23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting that you delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Request : Please delete the 90 day late payment off Credit report with all three credit breaus Account Name : XXXX XXXX Social Security # XXXX Old property address : XXXX XXXX XXXX XXXX XXXX, LA XXXX Freedom Mortgage Account Number : XXXX ( 90 day late payment ) XX/XX/XXXX To Whom It May Concern : Thank you for taking the time to read this letter, and I hope your day is going well. Im writing because I noticed that my most recent credit report contains a 90 day late payment reported on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for my Freedom Mortgage Home Loan account. 

I want you to know that I understand my financial obligations, and if it werent for my property taxes increase to make our equity amount increase, which I was not aware of until I received my invoice with a {$400.00} a month increase. Id have an excellent repayment record. I made a mistake in falling behind, but since then I set up a payment arrangement, paid the payment arrangement off in full before the scheduled payment arrangement time, and also paid my mortgage off in full with a {$0.00} balance. Since then, Ive had a spotless record of on-time payments. 

Im planning to apply for a new mortgage loan with Freedom Mortgage, and its come to my attention that the 90 day missed payment on my record is hurting my ability to qualify. I have tried disputing this information directly wit Freedom Mortgage but was informed they denied my request due to the reporting information reporting was accurate. Well I do understand, but I have never been late on my Mortgage with Freedom Mortgage before the Invoice of my {$400.00} monthly increase due to a increase in property taxes that I was never aware of. 

I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the 90 day late payment on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
If you could please fix this ASAP, i am trying to re-apply for the new VA loan within the next two weeks, and this is effecting my approval with Freedom Mortgage. I am asking you to please, please help me with this situation. 

Thank you for your consideration, and I hope youll approve my request. I can be reached at XXXX. 

Best, XXXX XXXX
Product: Credit card or prepaid card

Hi my name is XXXX XXXX and my complaint is against bank of America my wallet was stolen so I called I yo the bank to cancel my card and order a new this is when and how I found out my card was frozen, so I explain my situation and and have edd send over a document verifying who am this is around XXXX ( XXXX ) XXXX I was informed that within 3 business days I should hear back from the bank because by law the have to respond to the identity verification within 24 hrs not until about XXXX second when I called into check and was told that they received t but never processed it???????? Well past 24 hrs I know so the boa rep verifies me over the phone in addition to the notice from Edd And signs me up for a XXXX XXXX of {$290.00} after sending me out a new card so I get my card around the XXXX and on the it's frozen again for my protection without cause I didn't spend a lot of money so I call edd to have them email another verification to boa because I did realize my account was gon na be frozen again without any notice from boa again and for the next weeks I had the edd integrity department verify me several times a day being verified by them each time. Then one night I got an email from boa around XXXX XXXX XXXX saying my funding party had updated my account because somehow boa now had an old address as my current not the one on file with edd and where they sent my card too smh so the edd rep fixed my address where they mailed the id form so I call bank of America to find out what's going on and the rep tells me still no I'd form and nothing has changed in my account so confused and upset I go off on the rep causing her of lying to me so she put my account into a referral state where I had to go into the bank and put some kind of fraud notes my account unknown to me. So I went to the bank with the secondary forms of id my rental lease my debit card and proof of benefits but they ever looked at them so in the bank in front of manager I call verify have edd send over another verification I wait a week to call Boa this time after explaining my situation he verified that the night I got the text about edd updating my account they actually sent a release funds to boa and that same night the agent I accused of lying to me froze my account and put the negative notes in it please pull the recorded calls this agent caused my benefits to get terminated behind her malicious actions and why so any different boa reps completely just lied about my account and never getting Edd 's id verification
Product: Mortgage

Our house insurance company has canceled our insurance policy due to nonpayment from our mortgage bank servicer. The renewal premium was due on XX/XX/2018. We submitted the renewal bill on XX/XX/2018, XX/XX/2018 and XX/XX/2018. We spoke with multiple people with both the bank and the escrow servicer multiple times as did our insurance agent. All criteria was met. Details are many and laid out on a spreadsheet to be uploaded with this complaint. This also occurred the previous year and now our insurance company won't do further business with us, we have to obtain a new insurance company, pay direct and more because of being canceled. Please see the spreadsheet and exhibits of proof for further detail.
Product: Credit reporting, credit repair services, or other personal consumer reports

On multiple occasions, I have asked that this info be verified as mine and the company refuses to respond. This accounts are not mine and can not be verified as mine so it should not be reported to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I have some concerns reguarding late payments appearing on my credit report. XXXX XXXX account no # XXXX and XXXX XXXX XXXX account XXXX These accounts have been verified. What method of verification do they use? 15 U.S. Code 1681i - Procedure in case of disputed accuracy.These late payments are reporting inaccurate. The last payment i made to nissian was in XX/XX/XXXX of {$500.00}. I was never late. They refused to help me keep it in XX/XX/XXXX. I had called them for assisstance, they refused. 15 U.S. Code 1602 - Definitions and rules of construction 15 U.S. Code 6802 ( a ) ( b ) ( c ) - Obligations with respect to disclosures of personal information. 15 U.S. Code 6803- ( a ) ( b ) ( c ) Disclosure of institution privacy policy. 15 U.S. Code 1681a - Definitions ; rules of construction 15 U.S. Code 1681a 2 ( A ) ( i ) .15 usc 1681a4 i have right to privacy. usc 1681 ba2 cant publish without my written instruction. usc 1681b- permissible purpose. usc 1681s-2- a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020, paypal transferred my the total amount of $ XXXXUSD of my paypal balance to PAYPAL . I was supposed to withdraw that amount. Paypal says, the funds will be on hold for 180days and then it will be released. afterwards, i can withdraw it to my own bank. However, they lied. they just stolen the money from me and I even didn't notice that until I checked my recent activities and found none balance at all. I tried to reach paypal for help, but no response at all. I want to get the money back. This is really important for me and my family. I heard CFPB can handle issue like this, that's why I am reporting this to you. Please help me to get the money back. The paypal email I use it XXXX XXXX
Product: Debt collection

I was being contacted regarding a debt I am unaware of and do not owe
Product: Mortgage

My mortgage company will not let me make additional principal-only payments on my mortgage. 

I am trying to make an additional principal-only payment on my mortgage. I prefer to do this weekly so the money is out of my checking account so I'm not tempted to use it on other things. I'm trying to get out of mortgage debt as soon as possible. 

I have autopay setup to pay my loan balance in full on the XXXX of each month. My payment isn't considered late until the XXXX. I am paid bi-weekly so sometimes I don't have money in my account for the first week or two of the month to pay my mortgage, which is why I have been faithfully paying on the XXXX. My payment history reflects this and I have never been late or otherwise delinquent in 4 years of paying mortgages. My credit report will reflect this. 

My new mortgage lender, Mr. Cooper, has a company policy that they will not take additional principal only payments until my account is current. I tried engaging with them in a chat about this, but they confirmed this is their company policy. 

This feels like an unfair lending practice because I just want to pay my mortgage off faster so I'm not accruing interest. I have {$190.00} this week to make an extra payment. When I get paid on Friday, I'll have the money in my checking account to cover the payment coming out as scheduled on the XXXX. I want to make extra principal payments, even when I don't have the full mortgage payment in my account because I want to pay my loan off early. 

Since this is a company policy and not a law they're bound to follow, I think they should get rid of it so I can pay my loan off early. It feels like they are trying to prevent me from paying off my mortgage early, even though there aren't supposed to be early payment penalties. Not letting me make a payment early feels like a penalty and therefore a breach of contract.
Product: Debt collection

There 's a collection on my report for {$4800.00} from midland collection agency which I believe was from a XXXX account. This was from WELL over seven years ago and I believe was settled a long time ago as well. Sadly I do not have records from then as I lost a lot of my older records in a fire. I 'd like this looked into and removed if possible.
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 proce 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 47 financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX we entered the Covid Forbearance program. I was given a letter on XX/XX/XXXX advising that I successfully came out of the Forbearance program and that ALL past-due amounts would be approved for a payment deferral where ALL those payments get put at the end of the mortgage. The letter explicitly states that XX/XX/XXXX will be the start of the monthly payments coming out of the Forbearance Program. 

However, XXXXXXXX XXXX  incorrectly reported the XX/XX/XXXX and XX/XX/XXXX as LATE to the credit bureaus even though XXXX XXXX never attempted to assess a late payment which is further evidence that they incorrectly reported this to the credit bureaus. 

I would like this to be immediately remedied by XXXX XXXX and an apology letter sent so that I have proof that this has been immediately resolved.
Product: Credit reporting or other personal consumer reports

Oop Financal Loan by XXXX XXXX is not considered to be payday loan weekly on credit report impact potential negative upon late payments after I did request them to be closed the account so that I could settle special program payments could arrangements unfortunately they refused to close the account before 30 days to put negative potential harm my credit report unacceptable however I did dispute all credit report bureau but not satisfied their results because its clearly not accurate report monthly payments instead of payday loan weekly report. Oops Financial Loan should be considered to be monthly payments upon credit report NOT PAYDAY WEEKLY!!! I did contact them twice but not resolved due to communication access I am XXXX to use video relay operator service to assist me communicating access by FCC federal regulators required I did dispute all of them again additionally information support PDF documents for weekly payments scheduled NOT MONTHLY!!! Also interest rates excessive more than weekly long periods I didnt appreciate them
Product: Credit reporting or other personal consumer reports

I recently applied for a credit card and was denied for reason that were inaccurate and they pulled my equifax file. After reviewing my file none of my credit card accounts show recent information. Also I have XXXX auto loans that are open accounts they are showing as closed with no payment history. I called them as was told my account was on hold with no explanation.
Product: Mortgage

I experienced water damage to my home in XXXX XXXX. On XXXX XXXX, XXXX, I submitted the insurance claim check of {$17000.00} to my mortgage lender. My mortgage lender refuses to disburse sufficient funds for me to meet my contractual requirements to my contractors. I need an initial funding of {$6900.00} to get the work started. Despite a good faith effort on my part to provide supporting evidence to explain the details of the required funds, my lender has only released {$5900.00}, forcing me to self-fund the remaining {$950.00}. 

I have strongly objected to this shortfall, including written email notices and phone calls to the lender 's customer service organization. My written notices to the individual handling my claim have been met with inflexibility, obfuscation, and a message of " not my job ''. I am dismissed with vague references to " go talk to Corporate '' without any assistance given of who I need to deal with. My phone call to my lender 's Customer Service organization was greeted with professionalism and courtesy - yet I have received no response from a management individual.
Product: Debt collection

I have a inquiry that is on my credit report that I have no idea what it is or how it got there so I'm immediately curious about the fact of it being on my credit report. So I'm reaching out to you because I know that it has to be some kind of fraud..
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain inaccuracies present in my Equifax credit report. On XX/XX/XXXX, I contacted Equifax regarding these discrepancies, but I have not received any response to date. I am providing the details of the incorrect information and the necessary corrections, seeking your assistance in rectifying this matter. 
Account Information : Account Identifier : XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$860.00} The account labeled as XXXX with Account # XXXX XXXX is not mine, and I kindly request its immediate removal from my credit report. 
Account Identifier : XXXX  Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00} The account labeled as XXXX  with Account # : XXXX is not associated with me, and I respectfully request its removal from my credit report. 
Account Identifier : XXXX XXXX  XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00} The account labeled as XXXX XXXX  XXXX with Account # : XXXX is not mine, and I kindly request its immediate removal from my credit report. 
Account Identifier : XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00} The account labeled as XXXX XXXX with Account # : XXXX has never been late, and I kindly request the correction of this inaccurate information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX
Product: Debt collection

On or around XX/XX/XXXX I received a written notice dated ( XXXX ) for a payment offer from Jefferson Capital Systems LLC. This would be the FIRST and ONLY notice I have received from them regarding a XXXX account in the amount of {$970.00} that is clearly passed the STATUTE OF LIMITATIONS in order for them to pursue. *Legally*. They even said it in their letter. This collection company demanded that I pay them & that the deadline was XX/XX/XXXX though I am not in debt to them. There was no right to dispute attached ( VIOLATION ). I am upset because I responded via USPS certified mail on XXXX. In that response, I requested that they cease all collection activity regarding the account because it is stale. Today is Tuesday XX/XX/XXXX and they slapped a collection on my credit report TODAY without acknowledging that I have replied to their letter. It hasnt even been 30 days. Thats shady business. The report on credit karma says XXXX XXXX, XXXX but I just checked my annual credit on Sunday XX/XX/XXXXXXXX  and this account was not there. 

Additional information XXXX XXXX XXXX XXXX, XXXX, MN XXXX Jefferson Capital Systems , LLC XXXX # XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX, XXXX and Transunion and the list of accounts provided in attachments, have violated my consumer rights to privacy and confidentiality under 15 USC 1681. I the consumer has not given authorization, to furnish any private information. 15 USC 1681 ( FCRA Section 602 ) states that I have a right to privacy. Furthermore, 15 USC 1681, section 604 A, subsection 2, explicitly states that a consumer reporting agency can not disclose an account without my explicit written instructions. Additionally, as per 15 USC 1681c. ( a ) ( 5 ), it is explicitly prohibited for any consumer reporting agency to include specific types of adverse information in a consumer report, particularly information predating the report by more than seven years, excluding records of crime convictions. In accordance with 15 USC 1681s-2 ( a ) ( 1 ), it is impermissible to provide any information to a consumer reporting agency if there is knowledge or reasonable cause to believe that the information is inaccurate. XXXX, XXXX and Transunion ( Credit Reporting Agencies ) Have allowed several inquiries sharing my private information. Submitted with this complaint are the communications to the Credit Reporting Agencies opting out of any authority that may have been given. I have also included the reports from all XXXX agencies with inaccuracies and unpermitted inquiries. I have called all XXXX agencies and disputed inaccuracies and to have private information removed. The result of these issues has made it difficult to provide happiness for my family due to denial of goods and services due to unfair consumer reporting.
Product: Debt collection

I have had this company call me numerous times. I have told them over and over that I can not pay right now. I have XXXX kids and I can not add another monthly payment to my bills. I have been doing credit counseling and have started paying my debts XXXX by XXXX. 

Today XXXX XXXX I received a call from EOS CCA for an old XXXX account. I have to make sure the amount is correct with XXXX XXXX XXXX since I have been reading about a lot of scamming from this company. 

The person on the phone said I needed to make payment arrangements. I told them I could not at this time. Supervisor gets on the phone and tells me that he knows I have kids and a job so I should be paying my bill. I told him I am saving up for something more important at this time and it would have to wait. He says what could be more important and I said marrying my wife. 
And he asked me numerous times how I am paying for my wedding and that my debt is more important. 
Examples being " How are you paying for that? '' I find that very offensive and harassing. 

I am highly upset. I do n't feel it is right for them to ask me how im paying for my bills and how im taking care of my family. 

I have been working on my credit. My whole tax return goes to debt every year. Im trying to raise my credit. 
I do not want to deal with these rude people. This is insane to me to be spoken to by a debt collector in such manner. This is not the only debt I have. I went from XXXX on my credit report to XXXX so I am working on it. I do n't appreciate this kind of harassment. This has made me extremely upset and angry.
Product: Credit reporting or other personal consumer reports

I reported an identity theft incident last XXXX and subsequently filed a report with the XXXX XXXX Police Department. The case number for this report is XXXX.
Product: Credit card or prepaid card

I have a Capital One Quicksilver card with a credit balance of {$220.00}, yet for the past week, Capital One claims I have {$0.00} in available credit. After several phone calls to their overseas call center, I was finally transferred to a call center in Arizona after I lost my temper. The Capital One representative claimed I had no available credit despite the {$220.00} credit surplus, which he acknowledged. I was told I could not access my credit for 26 more days because the overpayment I had made had not settled despite the fact that it was paid to Capital One via my local bank 's billpay service. I asked for interest to be paid on my {$220.00} credit or for it to be returned immediately to my local account where it would draw interest. I was told that it could only be returned via a paper check through the notoriously error-prone USPS, and then only after 15 more days had passed. I asked for the money to be transferred to my Capital One 360 Savings Account. That request was denied, too. This is the one time of the year when I need total use of my money and credit. I have waited and saved all year to be able to shop for XXXX  at this time of the year. Instead, Capital One refuses to make my money and credit available to me nor pay interest.