23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

This is my second complaint in two years regarding my mortgage servicer 's failure to pay the property taxes on my escrow. I have attached their response to my previous CFPB complaint, dated XX/XX/XXXX, in which New Rez acknowledged that it was obligated to pay the property taxes on my condominium parking spot, and further acknowledged that the taxes " were not paid on time due to an error made by our tax vendor. '' New Rez has yet again failed to pay the XXXX second installment and XXXX first installment property taxes on my parking spot. On XX/XX/XXXX, I e-mailed their escalations department to notify them of the error. On XX/XX/XXXX, they wrote me that " On XX/XX/XXXX, we made payments of {$350.00} and {$290.00} to XXXX County. We also paid the tax penalties of {$48.00} and XXXX to XXXX County at no charge to you. '' On XX/XX/XXXX, I checked the XXXX County Treasurer website and saw that, despite NewRez 's representations, the property taxes still had not been paid. I once again e-mailed NewRez 's escalations department on XX/XX/XXXX asking for the status of my payment. My XX/XX/XXXX e-mail stated " This is a " qualified written request '' under Section 6 of the Real Estate Settlement Procedures Act ( RESPA ) '' and that " I understand that under Section 6 of RESPA you are required to acknowledge receipt of my request within 5 business days and take action to resolve my inquiry within 30 business days. '' As of today, XX/XX/XXXX, NewRez has not acknowledged my XX/XX/XXXX qualified written request or taken any action to resolve my inquiry. 

I have attached copies of all correspondence referenced herein, as well as the current payment page from the Cook XXXX Treasurer 's office showing the delinquent taxes.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' Equifax and XXXX are consumer reporting agencies and I am the XXXX. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which against the law. 15 U.S. Code 1681s-2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code $ 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. '' accounts # XXXX education accounts XXXX XXXX XXXX XXXX  and # XXXX Conserve are violated my right.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I sold my home last XXXX and sold at a profit. XXXX XXXX transferred this loan to Specialized Loan Servicing. When I sold my home XXXX XXXX reported as Paid XXXX Balance. Specialized Loan Servicing reported as a Paid Foreclosure. I am trying to purchase a new home and my lender can not get a DU approval due to the way they reported. XXXX XXXX has done a conference call with me and Specialized Loan Care and they changed the reporting on a Credit Supplement as Paid Loan. I let them know that needed a letter on their letterhead to be sent to me so that I could get this change made by the Bureau 's. They refused to send me a letter. They have told me that they will make this change but as of today I have not been able to obtain evidence of this. I have been working on this for over a month and have not really received much help. I feel as though they are stringing me along. I have the credit supplement that shows they agreed to the change but still have no guarantee that they will follow through to the Bureaus. 
I called XX/XX/XXXX, XXXX again XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX 2 x and Spoke with XXXX XXXX  and SLS together XX/XX/XXXX, XXXX & XX/XX/XXXX.
Product: Debt collection

I have send several letter to Grant & Weber Inc to verify the debt they claim I owe. Also wanted to know original amount and date of the debt. Please see attached letter send to them with attached copy of return received. They never send me any information that proof I owe the debt. So the last time I send a letter I decided to send it certified. My letter was received on XXXX and sign by XXXX.
Product: Student loan

I tried calling the lender 2 times and those representatives were rude. I tried to explain that my husband is sick and in the process of filling for XXXX with the help of his doctors. I am working XXXX jobs and am not able to make the current payments to the lender so I called to find out about forbearance or deferment or possibly reducing the payments until I can get more money to pay. The representatives refused to help and suggested other parties pay the loan, this is uncalled for because it is my loan to pay. The XXXX gentlemen I talked to was polite and able to help a little. If the company is unwilling to work with me to reduce payments or help with deferment or forbearance, I am going to need to look into loan forgiveness or possibly filling bankruptcy with my husband once his XXXX is approved. The company is in the practice of predatory lending and has been under investigation for such things, this is a perfect example of this conduct.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, Which violate the customer Financial Protection Act ( CFPA ). Specifically Cash App to tak timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with the error resolution requirements under the Electronic Fraud Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Payday loan, title loan, or personal loan

Greetings from LENDINGTREE Mentioned below are the entire details of the Loan Contract of XXXX XXXX If you are interested in this loan and are also comfortable with allthe terms and conditions including the 3- Step verification procedures mentioned in this document. 
NOTE : LOAN ID mentioned in this email is highly confidential ; there for you are suggested not to share it with anyone apart from our verification n officer available only on ( XXXX ) XXXX XXXX.
Product: Credit card or prepaid card

I was applying for a loan and I was told about these items listed on my credit report back in XXXX. I started getting threating letters XXXX and Six months later I was served papers from Portfolio Recovery Associates llc that I was being sued. I'm filling police report for these matters.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, XXXX and TransUnion accused me of using a third party credit repair company when it was actually me. I feel completely violated and heavily stressed. Please help solve this problem. It's been over two months.
Product: Credit reporting or other personal consumer reports

I applied for a bank account and they needed to pull my credit. They told me my account was locked with Experian, so I went to what I thought was Experian 's website to do a " thaw '' of my credit report. However, apparently Experian offers " freezes '' and " thaws '' as a separate service from their " locks, '' so my account was both frozen and locked, so undoing one had no effect on the other and I the bank was unable to pull the information. Furthermore, the automated system for Experian will not transfer callers to a live agent. I called every phone number I could find online, and eventually their system just hangs up on you. I emailed their support, and once again it had no useful information, and no one would contact me. I eventually was able to get someone with the third party provider that does their freezes. This is horrible service, and the credit bureaus have a duty to treat customers better. They need to have live agents that consumers can talk to when access to their credit report is cut off. I even called their fraud department and could not get a live agent. This is unacceptable, and they need to stop this two solution confusion when it come to credit freezes.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : PENTAGON FCU Inquiry : XXXX XXXX, 2021
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , inc, ) Due to inadequate customer service and unfair practices which violates the consumer Financial Consumer Act ( CFPA ) Specifically, Cash App Failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected furthermore, their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions has cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

I received a notice from NES OHIO on XXXX XX/XX/2022. This notice states NES of OHIO is a debt collector. The notice states it's a " debt I owe to XXXX XXXX XXXX XXXX  '' in the amount of {$14000.00}. 

I have never taken any loan in this amount with neither of the above agencies. This is more than likely a fraudulent account or someone sending a letter from a fake entity trying to get personal information from me. I contacted them twice in the week of 9 XX/XX/2022 trying to gain information regarding this. Once I spoke to an operator, they demanded that I provide my full social security number. I refused and that operator stated she will not help me further and abruptly disconnected the phone call while I was speaking. 
This very frustrating and taxing to deal with please assist immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

It is completely unacceptable that after continuous disputes sent on XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and opportunities I've given to XXXX  XXXX TransUnion and XXXX they continue to report inaccurate and unverifiable information to my credit reports. I feel completely violated of my rights and they aren't following proper procedures by deleting errors from my reports. 

The credit bureaus continue to report the following items below in total error and refuse to remove them as a result of their claimed investigation that they clearly didn't do.. I have sent multiple letters since middle of XX/XX/XXXX, each month and they continue to report false negative items on my report. There are inaccurate addresses and employer information listed on my reports. I provided them with full proof of address and proof of photo ID as they require Multiple inaccurate inquiries that I did not authorize EVER and were not applications I submitted for credit or loans. These errors of inquiries I did not make or authorize with XXXX XXXX XXXX  XX/XX/XXXX - I didn't authorize this and its inaccuarate old info that needs to be removed from my report XXXX XXXX XXXX XX/XX/XXXX - I didn't authorize this and its inaccurate old info that needs to be removed from my report XXXX XX/XX/XXXX - I didn't authorize this and this information is inaccurate The other accounts they continue to report in total error that need to be deleted from my credit reports are XXXX XXXX Acct XXXX, XXXX  XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXXY COMPAN # XXXX, FXXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX I have not received ANY verification of how these bureaus have verified that this information is accurate on these accounts with the original company that they claim furnished this info to them and clearly see errors in how they are being reported. There is no justification and this ridiculous. As a knowledgeable consumer, I think its terrible how they use all these stalling measures and act like I'm not who I say I am to avoid having to be held accountable to removing these errors ASAP from my reports. This is affecting my life unnecessarily.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair crediting reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Dept of Education XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A. States I have the rights to privacy.

15 USC 1681 Section 604 A section 2. Also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account # : XXXX XX/XX/year> {$130.00} XXXX discovered unauthorized account on my credit report during a recent review. Kindly remove this fraudulent entriy, as it is obstructing my ability to obtain credit. This account is unfamiliar to me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Acct # XXXX XXXX inaccurate data XXXX as XXXX no data '' but also has reported date of XX/XX/. How can the date be reported for this month yet be blank in the history? 

XXXX provides different company address than other reports. 

XXXX has inaccurate data for XXXX and different than other reports. 

TransUnion inaccurate data from XXXX present, no data and not reported at all. 

Company shows sold on XXXX butnot reflected by TransUnion or XXXX.? Different addresses for company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered an inherent problem with the credit reporting system that this agency needs to change as innocent consumers are regularly being punished for doing nothing wrong. Two things happened this year that uniformly lowered consumers credit scores when they did nothing wrong and in essence changed and did nothing. XXXX changed banks and XXXX went out of business. I had a XXXX balance on my credit cards when those things happened and a record of 100 % on time payments when I did charge. Yet in both instances my credit score went down 5 points. These need to be reported differently so consumers arent punished because a business goes under or changes banks. Its appalling and outrageous that a good citizen gets punished when doing absolutely nothing wrong! 
Thank you, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX XXXX XXXX - XXXX
Product: Credit reporting

I 'm trying to buy a house so the mortgage company ran a credit report. There is a medical bill that is over XXXX dollars. I called the collection company that is holding this account. Spoke with a representative and she also spoke with the manager. In XXXX this company sent multiple letters requesting this be removed from my credit report. It has been XXXX years since this company ( XXXX XXXX XXXX XXXX ) sent this request in writting. Equifax, XXXX, and XXXX are still reporting this negative account on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible.XXXX  XXXX {$250.00} XXXX XXXX {$0.00} XXXX XXXX {$1300.00} XXXX  XXXX {$1300.00} XXXX XXXX XXXX {$410.00} XXXX  XXXX {$450.00} XXXX XXXX {$1600.00} XXXX XXXX   XXXX {$100.00} XXXX XXXX XXXX {$18000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

AFTER REVIEWING MY ANNUAL CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT WERE PLACED ON MY CREDIT FILE. PLEASE BE AWARE THAT THOSE ACCOUNTS WERE PLACED WITHOUT MY KNOWLEDGE AND ARE REPORTING AS DEROGATORY ACCOUNTS. I URGE YOU TO PROMPTLY UPDATE YOUR CREDIT RECORDS AND CORRECT YOUR REPORTING INACCURACIES ON MY CREDIT FILE FOR I AM NO LONGER LIABLE TO THOSE DEBTS. 

I DISPUTE THOSE ACCOUNTS IN ITS ENTIRETY AND I KINDLY ASK THAT THE NEGATIVE ENTRIES YOU'RE REPORTING BE INVESTIGATED AND DELETED FROM MY REPORT AS SOON AS POSSIBLE TO PREVENT ANY FURTHER DAMAGE ON MY CREDIT FILE AND OTHER ENTRIES SUCH AS LATE PAYMENTS OR CHARGE OFF SHOULD BE PURGED FROM MY CREDIT FILES.
Product: Money transfer, virtual currency, or money service

LexisNexis is impersonating a false claim alleging it to be the truth and therefore their efforts are harming or prohibiting XXXX XXXX XXXX on be a responsible and productive member of society with inaccurate and/or outdated information.
Product: Debt collection

I received a phone call at XXXX on XX/XX/XXXX from XXXX XXXX regarding an outstanding balance of {$5300.00} under my last name, social security number, and date of birth. The debt was missed payments by XXXX XXXX, the tenant, for an apartment at XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX. I informed the representative that I did not co-sign for the apartment and have never resided at that location, or in the XXXX area. They asked me to file a police report for Identity Theft, which I did on XX/XX/XXXX at XXXX with the XXXX XXXX PD, Case # : XXXX, to start an investigation and sent a copy of the report to Hunter Warfield 's email along with a copy of two forms of identification and additional documentation. I also filed a report with the FTC on the Identitytheft.gov website. I had not heard back from Hunter Warfield through email or telephone, and never got an answer when I tried calling or left a message. On XX/XX/XXXX I received a Credit Report Update through XXXX that XXXX XXXX had flagged my account as UNPAID for {$5400.00} on XX/XX/XXXX.
Product: Credit card or prepaid card

On XX/XX/2022 I made a dispute claim with Navy Federal for an online order I made on XX/XX/2022 for goods not received. I have uploaded documents to Navy Federal portal from the merchant stating that an error has occurred and would be issued a refund for undelivered goods. I have not seen the refund credited back to me from the merchant therefore, I made a claim with Navy Federal to assist me with my account. I was asked if I wanted the items re-delivered to me or a refund and I requested the refund. The merchant has been paid twice once by me and the third party company that issued the refund for items they never delivered. The merchant has experience no lost due to the fact the items were paid in full by me and also refunded. 

Navy Federal is claiming no error occurred and refuse to credit my account. The goods purchased needs to be repurchased for my family and household purposes. Due to their claim of no error I have been charge for delivery fees and a tip for the driver for items never received. I should not be charged for any of these fees.

I have requested all information and documents from Navy Federal of their investigation in determining their claims that no error has occurred. Under the Fair Billing Act I should not be charge in the event of not having my items delivered to me. I am requesting that the error be corrected and if any finance or other charges related to my dispute to be credited back to my account.