23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

These Hard Inquiries dont belong to me, hasnt being authorized by me and has to be removed. Also this as well. thanks 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 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 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 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 XXXX XXXX XXXX XXXX
Product: Debt collection

They have an account in collections along with another company with the same account so two separate collections for ONE account is now on my credit report. I have never used XXXX XXXX! I have also NEVER gotten any notice of this BEFORE collections. Two different amounts are showing.
Product: Mortgage

My husband and I are getting divorced. I refused to sign the documents as he wanted to refi. I contacted Rocket Mortgage and explained the situation. Then XXXX XXXX  contacted me after the title company called to set up a notary. I again stated that we were getting divorced and can not make any changes until it is settled. They said they understood. Somehow he refinanced and received received {$68000.00}. The loan closed XX/XX/2021. Now Rocket Mortgage is contacting me to back date and sign. I told them what they did was non compliant and I would not be signing anything. I want them investigated especially my loan. I never signed and he should have never received money.
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 Consumer Financial Protection 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 ( EETA ) and Regulation E.These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX I received a letter from XXXX XXXX XXXX XXXX XXXX, XXXX XXXX stating that my loans were forgiven by the XXXX and XXXX XXXX XXXX XX/XX/year> for XXXX. I contacted all three credit bureaus none of them have removed the balance from my credit report. Transunion, XXXX, or XXXX.
Product: Debt collection

Experian has failed to comply with the law and supply informationn requested. They did not respond to my letters and continue tor eport inaccuarrate information. 

Initial Official Dispute Sent : XX/XX/2020 Follow Up Dispute Sent : XX/XX/2020 Method of Verification Request Sent : XX/XX/2020 2020
Product: Credit reporting or other personal consumer reports

Reported a number of Hard inquires showing up after at & t data breach, even though there is a extended fraud alert on my file would not remove. I reported to the company and they stated that they do not share personal information with third parties. 

BALANCES PAID IN FULL PER AGREEMENT AS STATED ON 1099C, NOT DUE TO BANKRUPTCY. 

On XX/XX/XXXX mailed each company a written notice is regarding XXXX XXXX XXXXXXXX IRREVOCABLE TRUST to include all deviations of the same with the SSN list four of XXXXXXXX XXXX Birth Certificate number XXXX XXXX number XXXX, passport card XXXX XXXX and Trademark Registration # XXXX. 

As Executor and authorized Agent for XXXX XXXX XXXXXXXX IRREVOCABLE TRUST, I XXXX XXXXXXXX invokes my right in regards of the Disclosure of Non Personal Public Information and defined by XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX and per the FCRA. 

As a Federally Protected Consumer, I am now opting out of any and all authorization I the consumer may have given you. This includes written, unwritten, verbal, and nonverbal permission per 15 U.S. Code 6801 through 6805 effectively immediately and indefinitely. 

This includes any and all transaction history, any further reporting without a written agreement signed by the Executor or Trustee of this organization signed in Ink or Electronically with Email as verification and a UCC Financial Statement noting said agreement filed with Secretary of State. Further a copy of notice and said agreement must sent certified mail with PS Form 3811 return receipt address to Executor at address below.
Product: Mortgage

2018  We started to fall behind on our mortgage payments. We applied for a loan modification at least once, before trying to apply for it at least twice before and while foreclosure started on our home. We were denied modification or any kind of help to save our home. We were desperate with XXXX  kids and going through foreclosure. We ended up in foreclosure. We ended up having to rent a home for double what our mortgage was. We changed jobs, had to change our kids schools and it made us struggle even more financially. I would love to find out if we are entitled to any kind of settlement. We have wanted nothing more that being able to own our own home again.
Product: Credit reporting or other personal consumer reports

MY NAME IS XXXX XXXX XXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX last XXXX digit SS # XXXX todays date XXXX I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE /BALANCE/ACCOUNT STATUS AND PAYMENT HISTORY IS REPORTING TO EACH CREDIT BUREAU DIFFERENTLY AND INACCURATE.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IAM A FEDERALLY ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER IDENTIFIES AS IDENTITY THEFT SHALL BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT I attached a copy of my IDENTITY THEFT REPORT P.s This is holding me back from getting a new job, funding and a NEW HOME FOR MY FAMILY pls remove Thanks, XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

XX/XX/year> i used company Remitly to send {$9000.00} dollar to XXXX to my kusin.Money didnt go true and Remitly refuse to refund money. 
I call them every 3 day and they said, ,No problem,, WE will return you money but they still refuse to do. 
is already 5 mounth they dont return my money {$9.00} XXXX XXXX XXXX XXXX!!!!!
Product: Credit reporting or other personal consumer reports

I am formally demanding the IMMEDIATE REMOVAL of an unverified bankruptcy from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. The credit bureaus have failed to provide proper verification of this bankruptcy, and XXXX has not provided any documentation proving its accuracy, in direct violation of my rights under federal law. 

FCRA Violations & Legal Basis for Removal : 1. Failure to Verify ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ) The FCRA requires that any disputed information must be verified as accurate within 30 days, or it must be deleted immediately. Since XXXX has not verified this bankruptcy with supporting documentation, it must be removed immediately from my credit report. 
2. Furnishing Inaccurate Information ( 15 U.S.C. 1681s-2 ( a ) ) It is illegal for any entity to furnish information to credit bureaus that they can not verify as accurate. Since XXXX and the credit bureaus can not substantiate the bankruptcy, they are in direct violation of this law. 
XXXX. Failure to Provide Sources & Method of Verification ( 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ) Under the FCRA, I have the right to request the method of verification used to report this bankruptcy. Since XXXX and the credit bureaus have not provided proof, they are failing to comply with federal law. 
4. Negligent and Willful Noncompliance ( 15 U.S.C. 1681n & 1681o ) Knowingly reporting unverified or inaccurate information is a violation of my consumer rights, and I am prepared to take legal action for damages of up to {$1000.00} per violation, plus attorneys fees, if this issue is not resolved promptly.
Product: Mortgage

In XX/XX/XXXX VA made a contract with a veteran for a loan. The loan is made in VA 's and veteran 's names. According to the contract, Special Warranty Deed is to be issued upon full repayment of the loan in veteran 's name only. The loan was paid off in XX/XX/XXXX but the last servicer of the loan Carrington Mortgage Services has been unable to produce Special Warranty Deed because Property Transfer Tax is required by the county to record a deed. Property Transfer Tax was never filed when VA transfered the deed to XXXX XXXX XXXX ( XXXX XXXX XXXX ) in XX/XX/XXXX. XXXX XXXX XXXX was the servicer of the loan before Carrington.
Product: Checking or savings account

I received an e-mail stating a transaction was denied do to insufficient funds. The transaction is not posted on my account and I did not authorize the payment reference in the e-mail. Attached is a Pdf of the e-mail received. The e-mail may be a spam e-mail attempting to steal information regarding the account.
Product: Debt collection

On the XXXX of XXXX, I noticed I had a collection reporting on my XXXX and XXXX XXXX XXXX. Id never received a debit collection notice from I C Systems for this account, yet they were reporting on my credit reports. On the XXXX of XXXX, I sent I C SystemXXXX a debit validation letter that was received on XX/XX/XXXX at XXXX. As of this day Ive yet to receive a response from them. On XX/XX/XXXX, I sent a letter to XXXX and XXXX requesting the account get deleted because the company could not validate the debit after XXXX days ( as of the date I wrote the letter to them ). I havent heard a response from XXXX, but XXXX sent me an email ( which on multiple occasions Ive told them to cease and desist sending emails for disputes and only reply via mail ) and said that the information had been verified by the collection company.
Product: Student loan

I applied for a medical school student refinancing loan from SoFi in XXXX of 2017. I submitted all appropriate forms and paperwork related to my public and private student loans through their online portal. However, they had significant difficulty 'validating ' the private loan. Over FOUR MONTHS I was asked repeatedly to upload promissory notes, proof of loan educational status, and other correspondences with my private bank loan, each time finding a new form or reason to delay the process. Because of these delays, I had to upload work pay stubs, interest statements and proof of employment MULTIPLE TIMES because a prior example would 'expire '. Additionally I was subjected to MULTIPLE HARD CREDIT PULLS because of the delays. As over four months of acquiring sensitive, personal financial information has yielded continuous roadblocks, I can only assume their business practices are ultimately fraudulent and designed to acquire this information for financial gain.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX  M & T Bank is reporting that I paid {$2900.00} per month for an outstanding loan, and it 's keeping me from getting approved for loans or any consumer credit.
 XX/XX/XXXX   XXXX   XXXX   XXXX   {$2500.00} is showing revolving credit, this account was satisfied and closed out in  XX/XX/XXXX  it 's still being reflected on my credit report. I disputed in  XX/XX/XXXX  and was advised it was removed.
 XX/XX/XXXX    XXXX   XXXX   account was disputed, and satisfied still being reflected on my credit report.
 XX/XX/XXXX  M & T Bank {$1100.00} was satisfied in XX/XX/XXXX  still being reflected as a negative result on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone tried to obtain a vehicle using my information. Inquiries are on my credit that I never authorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX {$61.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in smartcredit and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX, Experian and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check the payment history, date open, last activity, and Status of the accounts listed below. I believe it was reported in error. 
XXXX XXXX XXXXXXXX Balance Owed : {$660.00} ; XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$350000.00}
Product: Debt collection

NP Group has been calling my phone and leaving threatening voicemails. I only know that they are a debt collector from my online searches. The message says that this is a location and tracing effort on the whereabouts 'my name ' with the last four digits of my SS #. They said that they are allowed under law to contact all references in my file including friends and family. It also indicates that it is imperative where I am this person or not to contact them immediately or action will be taken. I called them back twice and they will not give the nature of the call only that they are a third party interest and need my location. They said they would not cease calling me and would start calling my family members if I did not confirm my exact location and give them my social security number. I 've checked my credit report and there has been no action from this company. I have no oustanding debts and my loan ( car ) is current. They operate under ttwo numbers 1 ) XXXX or 2 ) XXXX. Their address : NP Group, XXXX NY XXXX. They are not registered wth the XXXX.
Product: Credit reporting or other personal consumer reports

MY ACOUNT HAS BEEN AND PAID OFF NOW I SEE ITS CLOSED WITH A CHARGE OFF PLEASE REMOVE THIS ACCOUNT OFF MY CREDIT THANK YOU. 


SOFI BANK, NATIONAL XXXX LATE PAYMENTS Balance details 29 % paid off Balance {$35000.00} Balance updated XX/XX/XXXX Original balance {$50000.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Installment Payment summary XXXX XXXX XXXX XXXX XXXX XXXX - - - - XXXX - - - - XXXX - - - - XXXX - - - - XX/XX/XXXX - - - - XXXX - - - - XXXX - - - - XXXX - - - - XXXX - - - - XX/XX/XXXX - - - XX/XX/XXXX - - - XX/XX/XXXX - - - PAYMENT HISTORY LEGEND Status At least 120 days or more than XXXX payments past due Status updated XX/XX/XXXX Past due amount {$14000.00} Original balance {$50000.00} Monthly payment {$2400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I informed Equifax, XXXX and XXXX XXXX of my address which is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I also informed them of my employment, which is XXXX XXXX XXXX XXXX XXXX. 
On numerous occasion I have tried to informed these companies that the information listed must be corrected. 
I have not been successful as of yet.
Product: Credit reporting or other personal consumer reports

A payment of XXXX was made on XX/XX/year> to settle the XXXX XXXX credit card account ending in XXXX. 

The settlement agreement states that after the payment was made, the creditor would be legally bound to report the account as " settled for a lesser amount '' and reflect a XXXX balance. 

According to the credit account being report on all three bureaus, the account is reflecting as closed with a balance of {$1000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have contacted all 3 credit bureaus in regards to incorrect information that is being reported on my credit report for the past several months and i've grown tired of this. i have written letters to all three credit bureaus to show me actual verifiable proof that this was indeed investigated and how it was verified and all 3 bureaus have failed to do so. and they continue to report incorrect inquires as well as accounts on my file. they are not following the FCRA guidelines and they should be legally bineded to do so!
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX have been trying to work with all three credit bureaus to correct inaccurate information on my credit report for the last 6 months. After consulting an attorney and reading parts of the fair credit reporting act I found out that all three bureaus have broken the law and are in violation of several inaccuracies that are being reported on my credit report. 

The first XXXX is that it has now been way past 6 months and they have not at all tried to correct any errors that I have disputed on my report at all! Also I read that they must temporarily delete any of the items disputed that I have disputed during the investigation and all three of the bureaus never did that in the last XXXX months! 

Also I read the permissible purpose section of the fair credit reporting act and it clearly states that a consumer like myself must first give them permission to furnish anything on my report. Well I never once gave them permission to report any of the disputed accounts. And those accounts have never been verified the proper way like it says it should be per federal law! By investigation my relatives and neighbors and mode of living! 

I believe that these violations are sufficient enough for everything disputed to be taken off of my report or civil action may be necessary. I ask that you please help me enforce my rights as a consumer as well as enforce the three bureaus to follow federal law along with their own policies. Thank you.
Product: Student loan

My student loans were transferred to Mohela in XXXX or XX/XX/XXXX. 

I have been pursuing public service loan forgiveness ( PSLF ) since XX/XX/XXXX and all of my interactions with Mohela have been related to my PSLF process. 

In XX/XX/XXXX I submitted my final employment certification form for PSLF, certifying that I had been working in public service for 120 months ( the requirement for PSLF forgiveness ). 

In XX/XX/XXXX, my employment certification form was processed and my Mohela account was updated to reflect 120 months of qualifying PSLF employment/payments. XXXX qualifying months is what is required to have the remainder of your qualifying student loans forgiven. 

I have inquired several times to Mohela ( via email and the online chat function ) over the last several weeks about the status of my account. Typically, once someone reaches XXXX qualifying paymens their information is forwarded to the Department of Education to verify and request forgiveness. However, each time I have inquired I have either received no response ( I emailed the Mohela military address XX/XX/XXXX and still have not received a reply ) or have been told there is no update to provide about my account status, that I just need to wait ( I have received this response several times via Mohela 's chat feature, most recently on XX/XX/XXXX ). To me, this is completely unacceptable. I have reached the requirements for forgiveness, there is no reason that Mohela should not be doing their part to allow me to achieve forgiveness.
Product: Debt collection

On XXXX/XXXX/2012, I completed a deed-in-lieu of foreclosure and was discharged of the mortgage debt of the property located at XXXX, IL. I am now being contacted by the company Seterus , Inc, a debt collection agency. Seterus claims that I am in default on my loan for this property and that I owe them money. I have sent them the warranty deed in lieu of foreclosure several times to prove that I do not own this property and that the debt was discharged, but they continue to send collection notices.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Acct # XXXX, has violated my rights. 

15 US C 1681 Section 602 A states I have a right to privacy.

15 US C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I did not authorize any fraud alerts on my file. I request their immediate removal.
Product: Debt collection

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Complaint Against Unlicensed Collection Agency Operating in Mississippi Dear Consumer Financial Protection Bureau , I am filing a complaint against Fair Collections and Outsourcing for attempting to collect a debt in the state of Mississippi without the proper licensing. My understanding is that Mississippi requires collection agencies to be licensed to operate within the state, and Fair Collections and Outsourcing has failed to meet this requirement. 

I have made attempts to verify the agencys license status, but they have not provided any proof of licensing, nor have they responded to my requests for verification. This lack of licensure and transparency has caused me significant stress and financial disruption. 

I kindly request the CFPBs assistance in investigating this matter to ensure that my rights are protected under both federal and state laws. I have attached copies of all communication related to this issue. 

Thank you for your attention to this serious concern.
Product: Checking or savings account

I opened a XXXX  checking account on XX/XX/2021 with a {$400.00} bonus promotion. The bonus was to be paid upon 10 debit card ( checkcard ) transactions within 30 days of opening the account. I made 10 purchases to XXXX within the 30 day period. It is now XXXX and I still have not received the bonus as stated in the terms and conditions.