23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Our hardship started in XX/XX/XXXX when XXXX hit the XXXX. My wife and I both had a reduction in our regular work hours. 
We reached out to our then mortgage company ( SLS ) who offered us to be placed on a modification. The modification would require us to make XXXX consecutive on-time payments and at the end of XXXX days SLS would adjust our regular monthly payments. The timeline for our program was established as XX/XX/XXXX XX/XX/XXXX. We agreed to this and made all three payments on time as agreed, with our last payment in XX/XX/XXXX. 
On or around XX/XX/XXXX after not hearing from SLS on the update of our new regular monthly payment and knowing that our payments are due on the XXXX of each month, I initially went online to see our new payment ; unfortunately, that is when I saw that SLS on their website had indicated we were in default of our modification program because we failed to make our XXXX payment. Each payment was made through XXXX ( XXXX XXXX XXXX XXXX. I had the receipt that showed the date, amount, to whom it went ( SLS ) and the last XXXX of our account number. 
I tried on multiple times to call SLS but was rerouted to their website. I sent several messages via the website, but to no avail. I continued trying all their messaging center options and eventually got someone around the XXXX of XXXX. 
Then, things got very chaotic as we ( XXXX and I ) spoke to so many different people, who all said similar things but slightly different. I submitted the receipt of our XX/XX/XXXX payment to SLS on XXXX different occasions. Each time the rep could not see where it was applied to our account nor in our file. Finally, XXXX tried speaking with several different agents as well ; needless to say, he too got the same run around. We were told by all the SLS agents that they couldnt accept our regular monthly payment until this was resolved and they found where the money went to. This back and forth and speaking to different ( never spoke to the same person twice and every time we spoke to someone they had to go back and read all the notes ) went on for months. Finally, XXXX of the SLS rep suggested that we to go XXXX XXXX and ask for a refund as well as for a copy of their electronic journal roll. 
XXXX went and spoke with the XXXX XXXX at XXXX who had to call his corporate office. XXXX gave the XXXX XXXX XXXX the email for the SLS department where to send the journal roll and XXXX refunded our money. 
So, in XX/XX/XXXX we received a letter that said that our Forbearance would end in XXXX and that we would be contacted. This was unbelievable! SLS nor any of its agents had informed us of a new forbearance agreement. I called and spoke with a rep ( XXXX ) and she said that was sent in error as it was a miscommunication via technology. She said that we would need to reapply, and she would send us out the documents and that they were still awaiting the decision regarding the misplaced money for our XX/XX/XXXX payment.
Product: Credit card

I applied and receive XXXX XXXX XXXX from US Bank a couple of months ago and I just paid my annual fee. I just found out that the terms have changed and am disappointed that I am not getting all of the benefits that I paid for, such as the free night on your last award stay benefit. I wasted {$75.00} annual fee and a hard credit inquiry too because the main benefit listed was " BONUS AWARD NIGHT EXCLUSIVELY FOR CARD MEMBERS & ENJOY THE BENEFIT AFTER PAYING {$75.00} ANNUAL MEMBERSHIP FEE ''.
Product: Credit reporting or other personal consumer reports

I am currently reviewing my Experian Credit report and there is an address reporting on my credit report that is not mine. 
Below is the address that I would like to have permanently deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Reviewing my credit report, I found several accounts that appear to be inaccurate and were added without my consent. Please remove and block these fraudulent items promptly.
Product: Credit reporting or other personal consumer reports

I disputed information on my credit report over XXXX months ( XXXX days ) ago and I have not received a response. The credit reporting agencies continue to report and house inaccurate information on my report and in turn has hurt my ability to obtain fair lines of credit. I am extremely stressed due to their negligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been going back and forth with chase since the spring of 2019 regarding incorrect information on my credit card. I met with a financial counselor and was surprised to see that I had no credit despite having my chase credit card for a few years. We looked deeper into the situation and learned with chase that the social security number on file for my account was incorrect. I followed the protocol with chase and submitted all of the information required to correct this. On XX/XX/2019 I even received a letter from chase stating that everything was received I followed up with a phone call and they informed me the information would be updated in 10 days and its been over 10 weeks since.
Product: Debt collection

I have credit monitoring services and it gives me updates of suspicious activity.. 

Professional Debt Mediation , Inc Purposely added more debt when they agreed to reduce the debt to agreed settlement amount.. they did this in retaliation for me contacting the cfpb because I filed a complaint about the unprofessional conduct of the debt agency.. they are upset because I became insulted by there poor choice of words.. Im not married there was no reason for the person to utilize abuse to satisfy a debt by call me XXXX XXXX instead of Mr.Rogers There is a big difference in the two abbreviations.. the person understood clearly who they were speaking to.. The lgbt community gets respect when called for.. so I refuse to let someone insult me with spiteful confusion. 

The law states this is a violation : The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. 


So there was no reason to furnish the account after we have agreed in writing that the reduce debt amount is reduced to roughly 2000 however after they found out I filed a complaint because I was offended of the choice of words.. the company furnished the account in hopes to destroy the credit report even further. 

They were supposed to update the debt balance correctly with the adjusted balance. 

Instead they chose to inflict more frustration or emotional distress. 

I currently have a XXXX and I am limited to activities until I heal from my injuries.. I am trying to work with the company as there is proof of the company negotiating debt.. why are they using deception to force me to pay in full? 


What type of problems will this complaint create for me?
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, CashApp 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 have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion in reporting to my credit file to note my consumer statement and dispute against XXXX  Card Servicer to XXXX XXXX   XXXX, XXXX, accounts numbers XXXX and XXXX, for violating Federal Laws : 15 U.S.C. 1642, 15 U.S.C. 1637 ( a ), 15 U.S.C. 1637 ( b ) and Hide the Securitization Requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently got a copy of my credit report and have noticed some accounts that i have zero knowledge of. I have contacted the following companies about these accounts and have supplied them with the necessary documents to have them removed, yet the still are being furnished. see attachments
Product: Debt or credit management

Equifax lies about account verification. Their support individuals on the phone admitted they have no proof that an account should be on my credit report. All they do is get an electronic feed that has my name and social number from a company, but no documentation of proof - no signed documents, no photo validation, no correct phone or email address, and no legal agreements. So this account is due to fraud, I have proved that, and Equifax has no information that shows otherwise, yet they continue to leave this fraudulent account on my report, a direct violation of FCRA. 

Equifax needs to remove the XXXX account from my credit report. I have contact both the issuing bank Deserve, and the named website company XXXX. They admit that this account isn't mine with the incorrect name, email, address, and phone number. They said they are receiving no verification request from Equifax. This is a clear violation of FCRA.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. 
Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in Cushman v TransUnion, Stevenson v. TRW ( XXXX ), and Richardson v. Fleet, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries.

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 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 Any other adverse item 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 has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

Reference CFPB XXXX I and a friend owned a rental property in South Carolina. Because of various hardships ( I can provide the letter ) we short sold the property. Seterus delayed the acceptance of the original offer on XX/XX/2013 for 6 months. During that time they started the foreclosure process, so it shows up on our credit report. On XX/XX/2013 they closed escrow with the person who made the original offer. 
XX/XX/2013 Contract for Sale signed by sellers XX/XX/2013 1st Settlement agreement XX/XX/2013 Foreclosure documents submitted in SC Court of Common Pleas docket XXXX XX/XX/2013 2nd settlement agreement signed by sellers XX/XX/2013 Close of escrow
Product: Credit reporting or other personal consumer reports

I keep trying to get my credit report updated since XXXX from Citibank and XXXXCitibank keeps sending documents to XXXX saying that the inquiries are factual when they are not.Citibank keep sending me letters saying that the information will be updated. I have mad several attempts to communicate with both agencies but they keep jerking my chain. I have an Attorney working on file now since I am not getting no resolution. I was told both agencies mail and verbally on the phone it will take 45 days.It is now going on 120 days without any resolution and CFPB keeps closing out the file when the resolution is not done. I provided all the the necessary documents to XXXX showing that the credit inquiries from Citibank is not factual. This is a last attempt if not filing a Federal Lawsuit for discrimination, harassment, and fraud against both companies.
Product: Credit reporting or other personal consumer reports

THIS HAS BEEN AN ONGOING ISSUE FOR INREGARDS TO A FRAUDULENT ACCOUNT BEING FURNISHED TO MY PROFILE. I'VE CONTACTED THE CREDIT REPORTING AGENCIES IN REGARDS TO A XXXX  ACCOUNT THAT I HAVE NO AFFILIATION AND NO KNOWLEDGE OF STILL SHOWING ON MY CREDIT REPORT, IN TWO RECENT CORRESPONDENCES I REQUESTED THE ACCOUNT BE VERIFIED AND THE ACCOUNT IS UNVERIFIED.

THIS ACCOUNT NEEDS TO BE REMOVED. FURNISHING AN ACCOUNT IN DIRECT RESULT OF IDENTITY FRAUD IS IN VIOLATION OF 15 USC 1681 C-2
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX account number XXXX and any others, has violated my rights under FDCPA section 809 15USC 1681, XXXX XXXX XXXX was notified by USPS Certified mail on XXXX XXXX XXXX  twice to provide Validation of Debt, XXXX XXXX XXXX has failed to provide that Validation, Further more XXXX XXXX XXXX also violated my right under FDCPA 1692E ( 8 ) failure to report my dispute with Experian, XXXX, and XXXX. I have downloaded proof of this matter in the CFPB portal.
Product: Credit card

There was a problem with a service I received from a local doctor 's office. I disputed the charge with Bank of America at or around XX/XX/XXXX. My dispute has not been processed, now 5 months later. I am still waiting to be refunded the dispute amount which is {$260.00}. I have called Bank Of America several times over the past several months and spoken to several different people to try to see what is happening. All I get are excuses and explanations for mistakes they have made. The dispute is still not resolved. I'm very frustrated because I feel I've been more than patient with them but they are TAKING TOO LONG to give me the {$260.00} back. Can you please help me?
Product: Credit reporting or other personal consumer reports

I've contacted the credit reporting agencies several times in regards to inaccurately reporting late payments to my credit profile. I have never been late, and no correspondence has provided any verification of my payments being late. Per 15 USC 1681, I have the right to privacy and have not given any written permission for my transactions to be furnished to my consumer report. Further reporting late payments to my credit profile is also in violation of 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

1. This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and i did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights. I demand deletion of the items and information plus I demand monetary compensation if they are not removed.
Product: Debt collection

I had internet service from XXXX. It was supposed to be free for a certain time, and then I would be billed. I received the modem and set it up. It never worked. I reached out to the sales rep that came to my house and he was no help. In XXXX my sister got sick, I was staying at her house whenever I wasn't working. In XXXX, she was admitted to the hospital with XXXX  XXXX XXXX and was XXXX  from XXXX - XXXX. I forgot about the service until XXXX dropped off a box for me to return the modem, I still had my XXXX XXXX XXXX XXXXXXXX since I never got XXXX XXXX to work. I returned the modem in XXXX, they received it Friday XX/XX/XXXX at XXXX XXXX in XXXX XXXX, TX. They are still charging me for the modem. I sent them proof they received it. They keep saying they can't remove the charge only the collection agency can. I talk to the collection agency and they say XXXX has to tell them to remove it and haven't. I have tried to do a 3 way call and both companies refuse. XXXX even claims they can't access my account anymore. I went into the XXXX  store and they told me they could access my account and they were unsure why the telephone reps said they couldn't. The first collection company they sent the bill to disputed the charges after I sent them proof the modem was returned, and XXXX just sent it to a different company.
Product: Debt collection

Acct # XXXX Acct type : collections Date open : XX/XX/XXXX On record to XX/XX/XXXX today is XX/XX/XXXX Reinstate any points list. Dispute with all 3 credit collections in case there on any other. 
Reason why is it still on my report 1 year past recorded date XX/XX/XXXX XXXX
Product: Checking or savings account

I am filing a complaint regarding multiple overdraft fees applied to my account. Despite having sufficient funds at the time the transactions were authorized, I was charged overdraft fees

due to delays in the posting of charges and credits. This situation mirrors the recent findings by the CFPB regarding Navy Federal 's practices, where overdraft fees were assessed on transactions that settled with insufficient balances, even though funds were available when the transactions were initiated. I believe these practices are unfair and respectfully request an investigation into my account and the specific transactions in
question
Product: Debt collection

Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b-2 company also has NO permission to report ANYTHING using my info pursuant 15 USC 1681 4.

XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a payment arrangement with XXXX XXXX on XX/XX/2020 for my XXXX payment which was due on XX/XX/2020 and for my XXXX payment due XX/XX/2020, both to be paid on XX/XX/2020. I expressed during the XX/XX/XXXX arrangement that my payment tardiness was due to Covid-19 related issues. I gave them my checking account and routing information to secure payment arrangement. On XX/XX/XXXX and XXXX I received notices that my credit report had been updated and my credit score dropped 41 points because I'd been marked with a 30 day late on my credit reports. I called XXXX XXXX to discuss the matter and asked them to remove the late payment because I believe I'm protected under the cares act that states : If your lender does make an agreement or accommodation with you : How your lenders report your account to credit reporting agencies under the CARES Act depends on whether you are current or already delinquent when this agreement is made. These reporting requirements apply only if you are making any payments required by the agreement. 
If your account is already delinquent and you make an agreement, and you bring your account current, the creditor must report that you are current on your loan or account. 
This CARES Act requirement applies only to agreements made between XX/XX/2020 and the later of either : 120 days after XX/XX/2020 or 120 days after the national emergency concerning COVID19 ends. 

XXXX XXXX stated during the XX/XX/2020 phone conversation I initiated that it was up to their discretion as to how they report late to the credit reporting companies and that their specialists will not reverse the 30 late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and I'm sending this request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) credit bureau are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items 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  Balance : {$XXXX} ; XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I recently discovered that a fraudulent credit account was opened in my name without my authorization. The account is listed as XXXX, with a report date of XX/XX/year>. I have never applied for or opened an account with this company, and this was done without my knowledge or consent. 

This fraudulent account has been used extensively, leading to a high credit utilization rate, which has significantly impacted my credit score. High credit utilization is known to negatively affect credit scores, as it indicates a higher risk to lenders. 
XXXX Upon discovering this fraudulent account, I took the following actions : I filed disputes with the credit bureaus ( TransUnion LLC, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX ) to have this account removed from my report. 
I contacted XXXX to request details on how and why this account was opened.

This fraudulent account and its high utilization have negatively impacted my credit score and financial standing, and I should not be held responsible for it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, XXXXXXXX account, has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

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

15 USC 1666B : a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX and Transunion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXXXXXX 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