23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My original mortgage company Ditech sold/gave my mortgage to XXXX XXXX. At no point have I ever been late on my mortgage nor had any issues that have been presented to me, discussed, nor a bill sent to me from ditech I received a letter from XXXX XXXX stating I owe attorney fees to Ditech from XX/XX/2018. I have never received anything from ditech except my regular monthly mortgage bill. It wasnt until my mortgage was sold did I receive a bill from XXXX XXXX. We have asked XXXX XXXX, twice, to review and send me information concerning where this came from. Below is a copy of the letter/email they sent me after their supposed review. 

Dear Valued Customer, Thank you for contacting us. 

We have received your recent inquiry in regards to your mortgage account. Our records show that the corporate advance fees are attorney fees that were assessed in XX/XX/2018, by your previous servicer, Ditech. Unfortunately, we are unable to waive corporate advance fees or fees that have been assessed by your previous servicer. We apologize for the inconvenience. 

Please DO NOT REPLY to this email. Your request has been marked resolved and this ticket has been CLOSED. Replies to this resolved ticket will not be monitored. If you need further assistance or have additional questions, please submit a new request by visiting our website and logging into your account. 

Please feel free to contact us if you have any additional questions. 

Sincerely, Customer Support
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App Due to inadequate Customer service and unfair practices which violate consumer financial protection act
Product: Money transfer, virtual currency, or money service

I am filling 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 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 have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report and Violation of the Fair Credit Reporting Act Complaint Summary : I am writing to formally dispute inaccurate information reported on my credit report by EXPERIAN, which I believe violates the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/year>, I identified discrepancies in the following account ( s ) : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Disputed Information : High Balance, Date of Last Activity, Date Open. 
Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Disputed Information : High Balance, Date of Last Activity, Date Open, XXXX XXXX 
Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Disputed Information : High Balance, Date of Last Activity, Date Open, Closed Date. 

Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request a prompt investigation. I previously submitted a request for reinvestigation, referencing the following sections of the FCRA : 1. Section 609 ( a ) ( 1 ) ( A ) : Requires verification of accounts through original documentation.

2. Section 611 : Ensures the right to dispute inaccuracies and request an investigation.

3. Section 623 ( a ) ( 5 ) : Mandates the removal of unverifiable information not validated by the original creditor.

4. 15 U.S. Code 1681e ( b ) : Requires that procedures for including information in credit reports ensure maximum possible accuracy.

Despite my dispute request, [ EXPERIAN ] has failed to conduct a thorough investigation or resolve these discrepancies within the 30-day timeframe required by the FCRA. As a result, inaccurate information continues to negatively impact my creditworthiness.

I also emphasized that, as per 15 U.S. Code 1681i, any unverifiable information should be removed immediately from my credit report within the mandated 30-day period. Additionally, 15 U.S. Code 1681s-2 holds furnishers of information accountable for investigating and correcting any inaccuracies upon receiving notice of a dispute. 
Additional Information : Please find attached relevant documents, including my credit report and any supporting evidence for your review. 
I respectfully request that you investigate these discrepancies, correct any inaccuracies, and remove any unverifiable information from my credit report in compliance with the Fair Credit Reporting Act. Thank you for your immediate attention to this matter. 
Sincerely,
Product: Credit reporting or other personal consumer reports

Hi my identity was stolen i still live with my mom in my hometown and multiple apartments out of state and credit cards were opened in my name that I had no knowledge of. Recently, I mailed multiple letters requesting verification of inaccurate accounts reporting on my credit report. All the bureaus including XXXX, XXXX and Experian ensured that all accounts on my credit report was verified. When in all actuality i never consented anything to be reported on my credit report given im just starting to build credit for future reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is showing past due days in XXXX. Ive never been late. I contacted them and they said Id have to contact the credit bureaus because they arent showing me ever late. I contacted the bureaus and theyre still reporting me late. XXXX said they havent been contacted to verify that I have never been late!
Product: Debt collection

I sent a letter disputing the validation of the debt and this company 's failure to provide this within the 30 days provided by FCRA.
Product: Credit reporting or other personal consumer reports

I have a medical debt in collections on my credit reports. My understanding was that the new law was to go into effect on XXXX XXXX and that all medical debt would be removed from credit reports regardless of the amoun. I've been turned down for an auto loan because of that collection on top of the 30+ inquiries from car dealerships I had no idea were hard credit pulls I thought they were soft pulls. The medical debt From a hospital stay in XXXX for over {$1900.00} for x-rays from XXXX XXXX  and the collection agency is XXXX. I called XXXX XXXX in numerous occasions and gave them my insurance info and they never billed them I had dual coverage at the time so had they billed it would have been paid in full. Once they sent me to collections I disputed again and just recently I've disputed it 4 times with no luck. Shouldn't it just be removed regardless now with this new law taking effect on XXXX XXXX. Please help it's really effecting my ability to get auto financing and I'm in a wheelchair and so is my wife. We're both XXXX and now have no transportation. Please help.
Product: Checking or savings account

I had 4 authorized transactions done on my account XX/XX/XXXX. At one point I received a fraud alert via text message seeing if I was the one attempting such transactions. I immediately called into Chime and told them these 4 transactions of {$1000.00}, {$1500.00}, {$1400.00}, {$1000.00} totaling {$4900.00} were not of my doing. They worked with me to block the merchant XXXX XXXX, cancel my debit card, and issue me a new one. I was then told I could not file a dispute until the charges posted to my account. On XX/XX/XXXX, one charge for {$1000.00} posted to my account. I called in shared information of me reaching out to the merchant and having them investigate too. The dispute was opened and I received a temporary credit for {$1000.00} on the XXXX while the investigation was ongoing. 

The other 3 transactions totaling {$3900.00} posted on the XXXX. I immediately called in when I noticed this and got a second came opened up. I called 24 hours after opening the claim to check if I would be receiving temporary credit for the charges on this one as well being that both disputes were very similar and with the same merchant. I was told that the dispute was eligible for credit and I will most likely receive it very soon before the XX/XX/XXXX ( 10 business day deadline ). 3 hours after my call with Chime customer support I received an email stating my dispute was denied and that no error occurred. I called in multiple times trying to speak to a manager and have gotten nowhere.

{$3900.00} of my hard earned year end bonus gone and I couldnt stop it. I receive a fraud alert call in immediately and they deny my claim? I need help getting this money back. This is not right what Chime did to me!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous requests to XXXX XXXX, and Transunion regarding inaccurate addresses that do not belong to me on my credit reports. I sent letters to all 3 bureaus on XX/XX/XXXX. XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. each time I attached my social security card proof of address and my utility bill proof of address along with my identification and all 3 bureaus keep not processing my request for removal of the followin addresses : XXXX - XXXX XXXX XXXX XXXX, XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TN XXXX XXXX - XXXX XXXX XXXXXXXX CT XXXX XXXX, XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX
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. Futhemore, 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 have caused significant inconvenience and financial loss, and I seek appropriate redress for these Violations
Product: Credit card or prepaid card

On XXXX XXXX I called to make a payment on my card by Electronic Funds Transfer. The payment was for {$20000.00} and was made through the automated system. I received a confirmation number - XXXX. However, only {$18000.00} was credited to my account. 

When I called to ask why this happened I was transferred ( after a 10 minute hold ) to the fraud department in the XXXX, who didn't know why I had been transferred to them. Rather than dealing with a bunch of amateurs who don't know what they are doing, it is easier to get this resolved by complaining to the XXXX- which will force the company to give my issue the time and attention it deserves. It is sad that the XXXX has become the XXXX customer service department
Product: Checking or savings account

I have a Checking account with Chase. I've been receiving checks from XXXX XXXX of the XXXX due to an injury at work. On Friday XX/XX/XXXX, I deposited XXXX different checks with the same amount of {$1300.00} and cash in the amount of {$240.00}. On Monday XX/XX/XXXX. I noticed a hold on my entire account. I could not access any of my funds. I immediately gave Chase a call and they informed me that they couldn't verify the checks I had deposited. They insisted they need a registered phone number of the company to call and verify the checks even though the checks were cleared by Bank XXXX XXXX and the issuer. Chase put a restriction on my account, and I was not allowed to use any of my funds, not even the cash I had deposited nor my existing balance prior to the deposit made on XX/XX/XXXX. I explained I have bills to pay and asked if I could use my existing balance to pay my bills online. They denied my access and was told to wait for the checks to bounce back, so I could regain access. I have been trying to resolve this issue with them for the past XXXX weeks. I've called the XXXXnsurance Company to ask them about this and I was told this was the first time they heard about something like this. The Insurance company has given me several phone numbers for Chase to run in their system, Chase denied all of them, Chase refused to do any research on their own and continued telling me their system would not validate any number. Today XX/XX/XXXX, I noticed my checking account was zeroed out.
Product: Mortgage

So according to XXXX Mortgage contract the company stated it funded the loan that paid for the mortgage.. But under the Uniform Commercial Code { UCC } TITLE 31 USC { D } { 2 } 31 U S C A 463 and Public Law 97-258 { September 13 1982 } IN ACCORDANCE WITH #! USC 5103 and USC 8 such Promissory Note Instruments are NATIONAL BANK CURRENCY and thereby coin or currency of the UNITED STATES by RULE of LAW U S SUPREME COURT and PRIVATE BAR ASSOCIATION STATUTORY BY LAW Defintion.. The Little Promissory Note is THE EQUIVALLENT OF MONEY as per 12 USC 1813 { L } and must be accepted by all banks and financial institutions as PAYOFF SET OFF DISCHARGE AND DEPOSITS.. Which means that if the promissory note funded the LOAN then Fairway Mortgage committed FRAUD as they stated the loan was funded by them .. Also according to TITLE 12 USC 83 A banks can not lend their money and job is to BORROW money.. The law clearly states FEDERAL RESERVE NOTES AND CIRCULATING NOTES OF FEDERAL RESERVE BANKS AND NATIONAL BANKS { ARE LEGAL TENDER FOR ALL DEBTS PUBLIC CHARGES TAXES AND DUES... THIS EXPLAINS WHY THE COMPANY SENT OVER A PHOTO SHOPPED BANK STATEMENT BECAUSE THE LOAN WAS FUNDED BY THE PROMISSORY NOTE AND NOT FAIRWAY MORTGAGE .. Now under TITLE 15 USC 1692 J { IT IS UNLAWFUL TO DESIGN, COMPILE, AND FURNISH ANY FORM KNOWING THAT SUCH FORM WOULD BE USED TO CREATE THE FALSE BELIEF IN A CONSUMER THAT A PERSION OTHER THAN THE CREDITOR OF SUCH CONSUMER IS PARTICIPATING IN THE COLLECTION OF OR IN AN ATTEMPT TO COLLECT TO COLLECT A DEBT CONSUMER ALLEGEDLY OWES SUCH CREDITOR WHEN IN FACT SUCH PERSON IS NOT SO PARTICIPATING.. THIS IS MORTGAGE FRAUD NOW SINCE MY LOAN IS UNDER # YEARS OLD I HAVE THE RIGHTS TO RESCIND MY LOAN DUE TO FRAUD..
Product: Debt collection

This debt is reporting falsely to my credit reports. After several requests for validation, it continues to be reported without being validated.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I have been trying to resolve this on going issue with the XXXX XXXX XXXX XXXX, Experian, and XXXX since XX/XX/XXXX, to remove a student loan debt that dates back to XX/XX/XXXX from my account. Since they updated my account in XX/XX/XXXX for a very small balance this triggered an update to my 3 credit bureaus as a new activity. This update flagged my accounts in the 3 credit bureaus ( agencies ) as a bad debt that was paid, a derogatory account status, and a previous collection status that was paid. This unfair practice has hurt my credit, disallowed me to purchase a home, and is an ongoing burden. 
This malicious attack is unjust and has prevented me from obtaining a mortgage and getting other types of loans. 

I have been trying to work with them to have it be removed from my files, it nothing has been done. As I attempt to dispute this matter, my credit score goes down further and further as they tag my account as a dispute when the credit bureaus go into the account to update it. I would appreciate it if there is something you can do to help, this is an unfair practice placed on consumers like myself. 

I have attached a letter from the XXXX XXXX XXXX XXXX regarding this matter to help solidify my position. Thank you again for your immediate attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX account 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 has violated my rights XXXX 

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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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: Credit reporting or other personal consumer reports

Company has changed practices without informing me and closed my accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted several disputes for a bankruptcy that's reporting on my credit report i contacted the courts and submitted the letter that was provided to me by the courts the company keep saying the bankruptcy is verified i asked for documentation showing this and was not provided with any, two other credit bureaus deleted the bankruptcy with no problem once i sent them the letter i received from the courts saying that the court did not have this information on file. I have spoke to supervisors that claim it would be deleted in 15 days but this has not happened.
Product: Mortgage

Borrower was notified XX/XX/XXXX by XXXX County Courthouse that there were past due taxes on the home. Borrower notified Caliber Home Loans via fax and phone of the past due taxes as well as included the statements from the courthouse of taxes due for XX/XX/XXXX as well as XX/XX/XXXX. 
Contacted Caliber again XX/XX/XXXX and spoke with XXXX XXXX, manager of Customer Service regarding the unpaid taxes from XX/XX/XXXX as well as the now past due taxes for XX/XX/XXXX. Continued communication with XXXX XXXX throughout XX/XX/XXXX have yielded no results on taxes being paid. Now have been notified by XXXX County Courthouse that home is scheduled for auction if past due taxes are not paid by XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion insists that I am lying to them about my current problems with filing a dispute with them. They tell me that there is not two websites to file disputes ( one that DOES NOT support documents, and the other that DOES ). The one that does support documents has errors on it saying that I still have a outstanding item from XXXX that will not allow me to submit a dispute with documents. I was told that is impossible and that they do not see anything on their end. I have contacted 6 different people through 4 different numbers for TransUnion. All of which have either pointed fingers at other departments, or me. They also told me that I can submit a dispute on the website that DOES NOT support documents, and add them within an hour of filing said dispute. This was a lie and just lead to more headaches and the supervisor telling me that it is not the case. She then told me that there are buttons to add documents ( which there are not ) on the service.transunion.com website, that there was not a second website ( onlinedispute.transunion.com ), and that I only have 1 hour to submit documents while in the process of filing the dispute, not after. This still has not resolved the fact that they  could not see my current dispute, nor that the website I need to use to submit documents on to support my case still has N/A in certain fields and says that it was initiated on XXXX. They still say that it doesn't exist or there are no problems with my account or the site. I have not had a single issue with disputing any of the information I want to dispute with other credit bureaus.
Product: Money transfer, virtual currency, or money service

I engaged with an XXXX account that I believed could help me make money off of cryptocurrency. The XXXX account was @ XXXX. We engaged in a conversation and I set up an initial investment of {$1000.00} with her. I used zelle, through my XXXX  checking account to send the initial transaction of XX/XX/XXXX to the email of XXXX, name on the account XXXX XXXX. The {$1000.00} investment was then sent to a account called XXXX. I saw the money grow very quickly and then proceeded to make 2 more transactions, a {$1000.00} each to XXXX. 

I then got a message saying that I needed to send another {$2000.00} to retrieve the money that I had gained. I also got an email from the XXXX about this. So sent the money thru Zelle once again. I then realized this was a scam and wasn't going to get my money back. I filed a police report with the XXXX XXXX Sherrifs department and an investigation report with XXXX bank. XXXX bank did their investigation and didn't find it valid.
Product: Credit reporting or other personal consumer reports

I made several attempt to make my XX/XX/XXXX Mortgage payment, and the payment portal was down for maintenance from XXXX XX/XX/XXXX till XXXX XX/XX/XXXX, thereby making impossible to make my monthly payment before the end of my grace period. 
Payment was made on the XXXX of XX/XX/XXXX when the portal became active.
Product: Credit reporting or other personal consumer reports

I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. Attached you will also find my ID as proof of my identity and my Proof of Address.
Product: Credit reporting

I am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Product: Credit reporting or other personal consumer reports

Recently I looked at my credit file and found info that can't be verified and info that is not accurate these items are not being reported 100 % correct. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate.

The following accounts are a result of Identity theft and Trafficking! Please take action and remove them from my credit report asap! 


Account Name : 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 XXXXXX/XX/2023