23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/2023 we applied for affordable ownership. XXXX lending, denied to access for credit for affordable program, when our household were qualified for instance ; they offered an approval for buy someplace else, but not for those affordable homes in master community with XXXX homes value are. We were race discriminated, they violated the Fair Housing Act and True Lending Act. 

NFM Lending and XXXX XXXX don't following the XXXX  of health and safety code section XXXX Base in our household size an income, which is not over the XXXX XXXX media income for XXXX XXXX XXXX. The sale price they give to us was overpriced for the affordable homes price bracket base in above mentioned. 

The Purchase price for our household was {$580000.00} The public record another was affordable home sold was {$520000.00} The asked price for our household of fourth, area XXXX  income ( XXXX  ), first time home buyers XXXX citizen, good credit, income verification was {$580000.00} This unfair practice by lender told the high sale price ONLY for us, when should following the XXXX  of health and safety code section XXXX, like they did for others households.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT. I SENT COPIES OF MY OFFICIAL POLICE REPORT AND DISPUTE LETTERS OF THESE ACCOUNTS BY CERTIFIED MAIL SEVERAL TIMES TO THE CREDIT REPORTING AGENCIES, HOWEVER THE ACCOUNTS ARE STILL REPORTING WITH NO DELETION OF THESE FRAUDULENT ACCOUNTS. ACCORDING TO THE FAIR CREDIT REPORTING ACT I HAVE RIGHTS UNDER 15 USC 1681 THAT HAVE BEEN VIOLATED. THESE ACCOUNTS LISTED BELOW HAVE VIOLATED THE FOLLOWING LAWS LISTED BELOW 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 SECTION 602 A. States I have the right to privacy.

15 U.S.C 1681 SECTION 604 A Section 2 : states a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the. following items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 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 or has reasonable cause to believe the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX, The following Accounts, has violated my rights. 

XXXX XXXX XXXX XXXX Account NumbeXXXX XXXX XXXX XXXXXXXX Account Number:XXXX***** Account Number:XXXX* Account NumberXXXX*** According to the Fair Credit Reporting Act : 15 U.S.C 1681 section 602 ( a ) ( 4 ). States I have the right to privacy.

15 U.S.C 1681 Section 604 ( a ) Section 2 : Consumer reporting agency can not furnish a account without my written instructions.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX XXXX XXXX XXXX ) due to inadequate customer service and unfair practices violating the Consumer Financial Protection Act ( XXXX ). 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 ( XXXX ) and XXXX XXXX These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Debt collection

On or about XX/XX/2018- Consumer Reporting agencies sent most recent 'credit report ' and Professional Debt Mediation was/is fraudulently reporting that I owed them a debt. Accordingly, I sent a letter to dispute the legal authority of their alleged statement of debt ; and to request a contract between Professional Debt Mediation and myself, which will show that I was in breach and had a duty to pay them. 

On XX/XX/2018- Professional Debt Mediation sent a response, yet in these letter ( s ) failed to show their original contract to show I had a duty or was in breach thereof, nor any court order to authorize them as being a party of interest to whom a debt is owed. 

It appears that Professional Debt is in violation of Missouri State Law which has statute of limitations ( RsMO 516.120 ) on filing a suit for any alleged debt AND Missouri 15 CSR 60-8.110 ; and is committing unfair practices.
Product: Credit reporting

Equifax has refused to remove fradulent information from my credit report after supplying them with more proof then the creditors are willing to supply reguarding the accounts XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX. These banks have never sent me a contract to back up their claims and have reported false information as well as information from debts they can not legally collect on in my state, I will be attaching the law for debt in my state.
Product: Credit reporting or other personal consumer reports

I am writing to you again regarding a persistent error on my credit report, in which late payments are inaccurately listed. I have previously filed a dispute concerning this matter, but the response I received was neither satisfactory nor conclusive. Furthermore, I have not been provided with any evidence that these late payments actually belong to me. 
The item in question is a late payment reported by XXXX  XXXX for the account number XXXX ]. The late payment are reported as being dated XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>. 
I would like to remind you that under the Fair Credit Reporting Act ( FCRA, 15 U.S. Code 1681i ), Equifax are required to thoroughly investigate disputes and correct any inaccurate information. Additionally, under the Truth in Lending Act ( TILA, 15 U.S. Code 1637 ( b ) ), creditors must ensure that information about the terms of credit, including payments, is accurate and correctly reflected. 
Moreover, under 15 U.S. Code 1681s-2, furnishers of information are obligated to ensure that the data they report to credit agencies is accurate. The incorrect late payments should be removed from my credit report, as I have no evidence indicating that these payments actually correspond to my account. 
Therefore, in accordance with the laws mentioned, I demand the following : A new and thorough investigation of the late payments on my credit report, followed by correction of any inaccuracies. 
The immediate removal of any late payment entries that are incorrect or unjustified. 
The provision of verifiable evidence proving that these late payments belong to me, should they not be removed from my report.
Product: Credit card or prepaid card

American Express issued me a card that they charge an annual fee on. This card was advertised as a no-limit card, allowing me to make purchases and pay off monthly in full. A limit was out on shortly after it was issued because I was told I had a short history and based on the financial information available. 
I recently requested a limit increase and was told they needed additional information to review. I submitted by bank statements ( attached ) and never heard back. I called today and after hours of passing me around, I was told no one was working on my file although they had received the paperwork. 

I am requesting that this be acted on the limit removed accordingly, and if not, that my annual fee be returned as the limit does not give me enough purchases to justify the charge.
Product: Credit reporting or other personal consumer reports

I AM OUTRAGED AND DEEPLY DISAPPOINTED THAT YOU HAVE FAILED TO REPORT MY CLAIMS IN A MANNER THAT COMPLIES WITH THE REQUIRED STANDARDS, AND I AM DEMANDING IMMEDIATE CORRECTIVE ACTION. THIS LETTER SERVES AS MY FORMAL AND UNEQUIVOCAL DISPUTE REGARDING THE CLAIMS REPORTED IN THE NOTICE. 

YOU HAVE BLATANTLY FAILED TO FOLLOW THE MANDATORY XXXX XXXX DATA-FILLED FIELD FORMATTED REPORTING STANDARDS, AND I CHALLENGE YOU TO PROVIDE CLEAR, IRREFUTABLE EVIDENCE THAT EACH CLAIM WAS REPORTED PROPERLY. 

LET ME MAKE THIS ABUNDANTLY CLEAR : I DO NOT DISPUTE THE VALIDITY OF THE CLAIMS THEMSELVES, BUT I ABSOLUTELY CONTEST YOUR FAILURE TO REPORT THEM IN FULL COMPLIANCE WITH FEDERAL LAW. ACCORDING TO THE LAW, YOU ARE LEGALLY OBLIGATED TO ENSURE THAT EVERY SINGLE CLAIM IS REPORTED WITH THE HIGHEST DEGREE OF ACCURACY AND COMPLETENESS. THE WAY THESE CLAIMS HAVE BEEN REPORTED IS NOT ONLY XXXX IS ILLEGAL. 

UNDER XXXX XXXX, THE CLAIMS YOU HAVE REPORTED ARE QUESTIONABLE AT BEST AND LIKELY UNLAWFUL IN THEIR EXECUTION. IT IS UNACCEPTABLE FOR MY PERSONAL AND FINANCIAL REPUTATION TO BE HARMED BY YOUR NEGLIGENCE, AND I AM DEMANDING THAT YOU IMMEDIATELY CORRECT THE RECORD. 

XXXX. Under XXXX XXXX XXXX this is a billing error always paid as agreed on time this is an error this account is in violation. 
XXXX XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. Under XXXX XXXX XXXX this is a billing error always paid as agreed on time this is an error this account is in violation. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 


THESE ACCOUNTS WERE PAID. THIS CREDITOR VIOLATES MY RIGHTS UNDER XXXX XXXX. 

Code XXXX XXXX - PROMPT AND FAIR CREDITING OF PAYMENTS. 

( a ) PAYMENTS RECEIVED FROM AN OBLIGOR UNDER AN OPEN-END CONSUMER CREDIT PLAN BY THE CREDITOR SHALL BE POSTED PROMPTLY TO THE OBLIGORS ACCOUNT AS SPECIFIED IN REGULATIONS OF THE BUREAU. 

SUCH REGULATIONS SHALL PREVENT A FINANCE CHARGE FROM BEING IMPOSED ON ANY OBLIGOR IF THE CREDITOR HAS RECEIVED THE OBLIGORS PAYMENT IN READILY IDENTIFIABLE FORM, BY XXXXXXXX XXXX ON THE DATE ON WHICH SUCH PAYMENT IS DUE, IN THE AMOUNT, MANNER, AND LOCATION INDICATED BY THE CREDITOR TO AVOID THE IMPOSITION THEREOF. 

THIS IS CLEARLY A VIOLATION OF MY RIGHTS AND I WILL TAKE FURTHER ACTION TO MAKE SURE MY RIGHTS ARE BEING PROTECTED. Under XXXX XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) Treatment of inaccurate or unverifiable information. After any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

I WILL WAIT FOR YOUR RESPONSE IN WRITING.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a follow up complaint regarding the unresolved inaccuracies on my credit report despite multiple attempts to correct them. This is my multiple attempt to dispute the incorrect late open account and the late closed accounts that continue to appear on my report. On numerous occasions, I have provided all necessary documentation and followed all required procedures to have these inaccuracies corrected. Despite my persistent efforts, the errors remain uncorrected. This has caused significant damage to my credit score and has affected my ability to obtain credit. In accordance with the Fair Credit Reporting Act ( FCRA ), I request that these inaccuracies be investigated and corrected immediately. Please acknowledge receipt of this complaint and provide a detailed update on the actions being taken to resolve these disputes. I expect a resolution within the statutory 30-day period as mandated by the FCRA. Kindly help me correct the late open account and remove the late closed accounts as soon as possible : 1. US XXXX XXXX XXXX XXXXXXXX Balance : {$160000.00} - You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 
XXXX. XXXX XXXX XXXX XXXX Balance : {$0.00} - I see things may be inaccurate. Start looking at the account name, opening date, and account status. I believe this information may be inaccurate. I need this deleted now
Product: Credit reporting, credit repair services, or other personal consumer reports

There have been numerous amount of contact with Transunion regarding reporting the fraudulent accounts reporting on my Transunion credit report some accounts were deleted in my favor by submitting all necessary documents such as my FTC reports, Identity theft affidavit, previous CFPB reports, verifiable electric utility bills at the time any fraud account was opened to validate my ACCURATE address which is not the address the fraudulent accounts are reporting from a residence that was previously obtained and havent accurately be reported by me since the first month of XXXX  at the age of XXXX and current electric utility statement to verify my current address, screenshot of MISSOURI PUBLIC RECORDS FOR CASES that connects me to my previous address not the address attached to the fraud accounts which will also verifies my accurate address at the time the fraud accounts were opened, and SSN CARD/ STATE ID ( all documents will be attached to my CFPB report. Transunion has been delegating my file number ( XXXX ) fraud disputes between 2 main internal departments Consumer Relations and special handling department. My most recent reinvestigation included XXXX whom is notoriously known for having consumer lawsuits brung against them for inaccurate reporting, resulted in the fraudulent account being DELETED in my favor but its collection account still remains and within my efforts to gain clarity as to why the collection account remains after the original creditor account had been deleted due to fraud after the special handling department claimed that the XXXX  account still remained on my transunion report while Transunions consumer relations department confirmed otherwise that the XXXX  account was indeed deleted amongst other fraud accounts I also can confirm my transunion credit profile being obtained through XXXX XXXXXXXX XXXX XXXX, XXXX XXXX that also confirmed the fraud account was indeed DELETED!!! Transunion special handling department has given me a VERY HARD-TIME SEEKING CLARITY on why two separate internal departments are claiming conflicting information which also clearly proves the investigation process by Transunion is not properly being handled blocking these fraud accounts!!! Every phone call should have been notated by each department to validate my current claims and any communication with Transunion during this STRESSFUL PROCESS AS A FRAUD VICTIM. This will be my last attempt to resolve this without bringing these issues to a court of law with INTENT TO SUE violating my consumer rights.
Product: Credit reporting or other personal consumer reports

A little over a month ago Sloan servicing company apparently took over a loan that I had for student loan with Nelnet servicing company. I have been paying {$50.00} a month and it was set up on an automatic withdrawal every month with Nelnet. Without knowing that a new company had taken over the student loan that I had I found out from XXXX XXXX that I had a 90 day late on my credit report and they were reducing my credit limit on multiple credit cards. That was the first that I had heard of Sloan servicing company I reached out to their customer service to let them know that I was unaware that they were servicing my loan and I immediately made the payment to get caught up. I had a XXXX credit score and never missed a payment with any creditor over the last 20 years. This is had an adverse effect on me and my credit because of this 90 day late from Sloan servicing company on a {$50.00} a month student loan payment it has cost me thousands and thousands of dollars and my credit score is ruined now I had never missed a payment to XXXX XXXX an auto loan my mortgage my second mortgage or any other credit card, But they will not do anything about it and state that this is accurate because they had sent me documentation in the mail. I had no idea whos sloan servicing was. Therefore, I had no idea that they had replaced my student loan company Nelnet. This is absolutely unfair and it is completely ruined my credit and cost me all of my credit limits with multiple credit cards for my business. I need Nelnet to resolve this issue immediately and remove the 90 day late on my credit report as this was completely Egregious, and I was unaware about it at all. Thank you very much. I pray this gets resolved.
Product: Bank account or service

I use BBVA Compass Bank to send an International Transfer to XXXX. 

They take the money for my account, but never deliver that money. I contact them, and after an apologize, the say will send the money, and never happen. 

I call and call, with the same results. 1 ) Do n't send the money, 2 ) Do n't return the money to my account.
Product: Debt collection

1STPROGRESS/XXXX Credit Card with account XXXX XXXX opened on XX/XX/2021 and balance of {$150.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account
Product: Mortgage

I have an interest only loan held by XXXX, after many servicers the loan ended up with Ocwen servicing. For years there was no escrow set up so I paid the real estate taxes directly. Its a condo so there was no insurance escrow. In XXXX 2014, I made a partial payment of the taxes. Ocwen, then paid the remainder and then notified me that my payment now must include XXXX months of an escrow payment. The escrow payment they demanded each month would total {$10000.00} per year. However, the taxes were only {$600000.00} per year. Thereafter, I continued to make the tax payments. However, the bank continued to allege that I owed these prior escrow payments. I wrote numerous letters to try and resolve the matter. However, they continued to return my payments, and now put the loan in default and are filling foreclosure. Their reinstatement figure includes escrows which are not due. They call numerous times and each time the new caller has no information regarding the last explanation. My credit has not been irreparably harmed.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against Equifax and XXXX XXXX  for violating the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. I have previously filed a complaint, and am following up with an additional complaint because no remedy occurred. Equifax and XXXX XXXX violate 15 U.S Code 1602, 15 U.S Code 1602 ( g ), 15 U.S Code 1602 ( j ), and 15 U.S Code 1643 ( e ) because I, the consumer, a natural person, is the creditor and I, the consumer, have an open-ended consumer plan, as well as occurring an unauthorized use of the credit card which resulted in a loss. Furthermore, as stated above, my social security number ( credit card ) was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of Equifax and XXXX XXXX
Product: Credit card or prepaid card

I applied for this card XX/XX/XXXX. When I applied I screenshot the offer. It was for XXXX points after spending $ XXXX. In XX/XX/XXXX I received a {$200.00} credit and XXXX points. I didn't know what it was, but assumed it was part of my offer and the rest would come later as they tell you wait 6-8 weeks for processing. I waited until XX/XX/XXXX to contact Chase in an attempt to give the rewards time. I was 1st told the offer was NOT valid when I signed up. Then I was told that because I applied while l was booking, that I was offered the XXXX points and {$200.00} credit. I have NEVER seen this offer in my life!!! And today when I called they told me that since I waited 90 days after signing up that I can't get the points. They tell you to allow time for processing, so that's what I did. They being Chase.com. My 90 days would have been app. XX/XX/XXXX. I have reviewed multiple reviews online of Chase doing this!! I think their practices are very deceptive and they should have ONE offer at a time if they are going to do things like this! I would have never signed up for an offer of XXXX points when offers are posted with more points OFTEN!! I don't want {$200.00} in credit, nor XXXX miles. I want the XXXX miles I signed up for! My screenshot wasn't enough for them, of course. There are multiple websites that show the offer when I applied. If it has happened to other customers, this is a pattern. I have read where people have complained with the CFPB before to no avail. But I felt I still had to try, because this is unacceptable!! I can go to their website today and that's not the offer! Even though that means nothing. I have messages from them stating the offer was only valid XX/XX/XXXX and XX/XX/XXXX. All of the different reasons they gave have lead me to believe this happens often with them and they are used to deflecting. I have the dated screenshot of when I applied but not sure if that'll work. 

These are just a few sites that track these deals. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am a victim of identity theft. My Flagstar Bank accounts were accessed and used without my permission. My account ending in XXXX was resolved as fraud and the stolen funds were returned to me. Someone accessed my other account ending in XXXX, changed my email address, and then set up a fraudulent XXXX account. The fraudster then deposited a fraudulent/fake check in the amount of {$2500.00}, then withdraw 3 amounts against that check using the fraudulent XXXX account XXXX The stolen funds dates and amounts were : XXXX {$460.00}, XXXX {$1000.00}, XXXX {$1200.00}. The fraudulent check was deposited on Friday XX/XX/XXXX, then the fraud withdraws were made against that deposit on the same day and the following Monday XX/XX/XXXX. I contacted the bank as soon as I saw the deposit and withdraws, but it was too late. The signature on the check does not match my own and I do not know the perpetrators who are linked to the XXXX withdrawals. I went through the fraud dispute with my bank and they closed the claim as not fraud without giving any valid reason. I then contacted XXXX for help who submitted my police report and id theft affidavit along with a XXXX letter to Flagstar Bank. These documents were delivered on XX/XX/XXXX. Flagstar Bank has confirmed receipt of these documents, but has not taken any action to reopen the dispute, fulfill the XXXX Request for Records, nor have they responded to any messages left for the fraud team. XXXX and I have contacted Flagstar Bank on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Product: Debt collection

The car company calls me six times a day after I 've made arrangements. They say that I have to post date a check for the calls to stop.