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

In XX/XX/2017 I contacted my mortgage company US Bank and informed them that I was unemployed and to get help so I wouldn't loose my home they put me on an forbearance and it took them over a month to contact me back and set me up with a caseworker, I got a job XX/XX/2017 working for the XXXX XXXX XXXX was put on repayment plan paid back every XXXX making double payments paid it off a month early. But they reported to all credit bureau 's that I was late every month I was on forbearance including while I was waiting to get a worker to get everything set up while I was working with then for help and now I need repairs and wanted to do upgrades on my home but no one will give me a loan because they have 7 late charges on my credit reports. Please help banks shouldn't be allowed to do this when a person on forbearance. My credit score is good but this hurting my chances with loans I have been turned down twice because of this I have XXXX of equity in my home and can't get an home equity loan or personal loan because of this please help. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I am a victim of identity theft, the credit account XXXX XXXX that is on my credit report for charge off amount of {$240.00} is not mine. Fraudulent information is being reported on my credit report and XXXX, XXXX and Equifax have all neglected and refused to remove fraudulent account.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding Experian 's persistent failure to remove inaccurate and unverifiable information from my credit report. Despite multiple attempts and the submission of substantial proof validating the inaccuracies, Experian has not taken appropriate action to rectify the situation. This ongoing negligence has negatively impacted my credit score and financial well-being. I request the CFPB 's intervention to ensure that Experian promptly investigates and corrects these discrepancies in accordance with the Fair Credit Reporting Act. Your assistance in resolving this matter is highly appreciated.I have attached comprehensive documentation and evidence supporting my disputes to this complaint. These records include but are not limited to correspondence with Experian, relevant receipts, and any other pertinent materials affirming the inaccuracies in my credit report. I believe that a thorough examination of these attachments will underscore the urgency and necessity for the Consumer Financial Protection Bureau 's intervention in resolving this matter. Your attention to the attached evidence is crucial for a fair assessment and swift resolution of the ongoing credit reporting discrepancies.
Product: Debt collection

I been advised to give EQUIFAX 1 last final chance to cure. We have been dealing with this since XXXX. I want to be clear. I do not want a statement stating we still working on it and I do not want this is a duplicate. I have not received the original wet signature contract between Me and XXXX stating I will pay alleged debt, or Me given consent. I have to continue asking for the same thing over and over. The federal laws are clear. I been patient while I been given the run around. I do not care about what payments XXXX stolen from someone I want the original wet signature contract and the items I put below. So I will resend the last complaint one last and final time. I will have the CFPB send this to the FTC. Below is the same complaint : My rights as a federal protected consumer has been VIOLATED! FCRA 609 AND 605 as well as FCRA sec 623. On top of that also 15 USC 1681a ( 2 ) ( I ) and 15 USC 6802 and 15 USC 1692g. It doesn't end there. I have requested EQUIFAX to provide original wet signature contract between Me and XXXX, also me given written instruction to furnish ANYTHING on my consumer report, which I never did and thats identity theft. Also EQUIFAX have late payments which VIOLATES my federal protected rights again 15 USC 1666b. I also requested proof of license to collect a debt in florida and that was not presented by EQUIFAX or XXXX XXXX XXXX, but yet EQUIFAX continues to furnish item on my consumer report. I DEMAND IMMEDIATE PERMANENT DELETION!!! IF NOT CFPB WILL HELP WITH LITIGATION AND REPORTING THIS TO THE FTC!!! XXXX XXXX XXXX # XXXX
Product: Debt collection

Resolved a debt with origianal creditor payment confirmation # XXXX and was told that the debt was closed and returned and the original creditor also used the words released constantly reassuring me that the collection agency should no longer be reporting anything as they have regained the responsibility through payment, pulled my reports today and the account is still there.
Product: Mortgage

While out of work and searching for a new job in XXXX, I proactively requested a mortgage loan modification from Roundpoint Mortgage ( XXXX XXXX because I was unsure how long my job search would last. 
I have never missed/been late on a mortgage payment in 30 years of home ownership and I did n't want to start then. 
RPM and I began a protracted, XXXX loan modification process characterized by having to resend the same paperwork multiple times and XXXX different points of contact that changed without prior notice. 
I made all reduced payments on-time as directed by the loan modification group. 
The net result of my loan modification was a $ 200+ decrease in my mortgage payment and I am totally current. 
During a review of my credit history in XXXX, I discovered that RPM had reported me to the credit reporting agencies as making late payments during the loan modification process even though I was compliant with all instructions from RPM. 
A month of calling and talking to many people at RPM ensued, and despite assurances that it would be taken care of, which yielded no results on XXXX XXXX, XXXX. RPM would not change their reporting me as making late payments. 
This is an unfair business practice. I followed all RPM instructions completely. 
I should not have to bear the brunt of what appears to be a communications gap between the regular mortgage and loan modification groups or a generally bad business practice. 
I request that Roundpoint Mortgage contact the credit reporting agencies ( XXXX, XXXX and XXXX ) and remove the late payment reports from my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT A DUPLICATE COMPLAINT!!!!!! This matter is in reference to something from XXXX that is now being listed on my credit. I UPLOADED THE DOCUMENT for complaint number, XXXX about CITIBANK. This is NOT a duplicate of XXXX, which deals with XXXX. XXXX is thirteen years after XXXX, and they are not the same matter at all. The XXXX matter was PAID IN FULL in XXXX. I have provided proof of this via uploads to the credit bureaus. I have old credit reports and old letters from Citibank. My issue is that Citibank is stating that I went 60 days late in the year XXXX and didn't list this information until XXXX. That isn't possible when it was paid, and I don't know how you can back-list something from twenty years prior. This complaint has absolutely nothing to do with Citibank fraudulently assigning accounts to XXXX, or XXXX engaging in Identity Theft. This complaint is about the fact that Citibank lists something as paid and then claims that I was sixty days late. There is no proof of this on their part, and there is no reason to have something listed from that long ago. We are in the year XXXX. Why isn't the CFPB appropriately managing these complaints? It's not as though there is any power to the CFPB as is ; I still have to go to court over such matters to get resolution, but claiming that people are filing duplicate complaints when they aren't smacks of more insider government pandering to corporations that are simply lying. I paid my bill, and it needs to be noted appropriately. It's that simple. Please don't make it more complex than that, CFPB and Citibank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

On XX/XX/XXXX my XXXX XXXX was stolen in XXXX, NJ. The perpetrators of the theft were able to access my Wells Fargo app and add my Wells Fargo Active Cash XXXX  card to the phones XXXX XXXX feature. The thieves then used the phone to make a purchase for approximately {$1000.00} at an " XXXX store ''. 

I proceeded to cancel my Wells Fargo Active Cash XXXX  card on XXXX upon discovery of this transaction and file a dispute with Wells Fargo. The provisional credit was issued, and was told by representatives of the company that this issue would be resolved. 

On XX/XX/XXXX I discovered the charge was added to my statement again. After calling Wells Fargo, the customer service agent claimed that this charge had been mistakenly applied to my statement, and that I would not be responsible for it. In accordance with their policy, they issued me a new card, which I received on XX/XX/XXXX On XX/XX/XXXX I received notification that my claim had been denied, based on the phone number associated with the payment also being associated with the account. I explained to the customer service agent that the phone had been stolen, and this was fraudulent. The customer service agent advised me to reopen the claim and send them the police report attached below.
Product: Mortgage

We received hail damage to our property on XXXX/XXXX/16. The mortgage holder on our property is Bank of America and we had to send all insurance checks to them for endorsement. The process of getting a check signed and returned so we could pay for repairs has been nothing short of ridiculous. All of the repairs on our home have been completed for almost three months. We have sent Bank of America all of the information ( contractor XXXX 's, receipts, etc ) they requested only to have them misplaced, forgotten, etc. We have made phone calls weekly, told our money was being sent ( weekly ) and are told something different every week. We had to take money set aside for other purposes and use to pay for repairs to our home and have still not received all of our funds from Bank of America. We have had late fees at our local lumber yard, etc. because we did n't receive our funds in a timely manner. Bank of America is still holding approximately {$1600.00} we received from insurance for depreciation. They have had this check for 6-8 weeks. I have done everything they have requested ( several times in some instances ) and do n't know what else to do. 
I have tried to resolve this issue over the phone and do not believe anything I am told at This point.
Product: Debt collection

I have disputed this account three times and they continue to verify but not validate according to the information requested in my initial letter, which to my understanding I have a right to request that all of these questions be answered. I am enclosing the last correspondence which shattered my faith in this company when I found another consumer 's credit information included in my mail and I believe in retaliation this company immediately added this account to my account again which caused my credit score to go down again. I think there aggressive behavior and the consistent letters stating they are concluding their investigation without providing the information I requested is intimidation. 

Please help. I am really stressed out over this company. 

XXXX XXXXAttachments : enclosed
Product: Money transfer, virtual currency, or money service

I was contacted by XXXX XXXX XXXX who offered attractive investments and claimed that my funds would be deposited into an investment account in my name, I did not receive a real investment account and I now understand that XXXX XXXX XXXX is not regulated in XXXX, where I reside, nor in the USA where the Merchant and its beneficiary pretended to be registered. I now understand that XXXX XXXX XXXX does not have the ability to provide segregated accounts for investment purposes. 
XXXX XXXX XXXX instructed transfer payments to a Beneficiary called XXXX XXXX XXXX  XXXX XXXX which bank account is at CITIBANK, New York. ( invoice attached ) 2 transfers were executed for a total amount of {$25000.00} to this account : USD {$18000.00} sent XXXX XXXX, XXXX ( receipt attached ) USD {$7100.00} sent XXXX XXXX, XXXX ( receipt attached ) When I found out that it was, a scam, a Lawyer sent a letter to the Beneficiary in XX/XX/XXXX. No reply was received. ( Letter attached ) XX/XX/XXXX, A lawyer sent a letter to CITIBANK. No reply was received. ( Letter attached )
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed The account.
Product: Mortgage

XXXX dealing with Selene Finance. For the last 3 months I have tried to resolve falling behind with house payments by calling regularly, I kept a record of phone calls, who I spoke with and what was discussed. I asked for XXXX XXXX to be sent to me and after a month of waiting for it and being lied to that it would be arriving within days I downloaded it myself and started faxing information they requested. Whenever I called to check status I was told I needed just one more document, went through that merry go round for another month. I was told my packet for modification was complete and would have an answer on the XXXX of XXXX, still no response. Called today and XXXX XXXX at Selene is unavailable. Its my understanding that once a modification packet is complete the sale date should be put on hold. I have never received any documentation from Selene regarding sale date. Im doing everything humanly possible to work with them and I cant get any clear response. I got behind on payments due to Covid a major XXXX  and a major XXXX, all documented and sent to them. I am doing well and have been employed since XXXX of 2022. This issue is destroying my life and I need help. Please, I know what theyre doing is wrong, I just want to get back to my normal life
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 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 Funds Transfer Act ( EFTA ) and Regulation E. These actions have cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX, the consumer and original creditor am requesting that said company provide to me as the consumer to which this report pertains to, the audit trail and any written PERMISSIBLE PURPOESES THAT I SENT TO VALIDATE THESE INQUIRES
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX  Please delete this account ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. The following account is not mine DEPT OF EDXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine US DEPARTMENT OF EDU Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine U S DEPT OF EDXXXXXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine U S DEPT OF EDXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine U S DEPT OF EDXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine U S DEPT OF EDXXXX Account Number : XXXX Please remove it from my credit report. 
11. The following account is not mine US DEPARTMENT OF EDU Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine DEPT OF EDXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine DEPT OF EDXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine DEPT OF XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine DEPT OF EDXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine DEPT OF EDXXXX Account Number : XXXX
Product: Credit card or prepaid card

I filed a written complaint on XX/XX/XXXX by telephone and by letter ( attached ). 
They sent acknowledgement letter on XX/XX/XXXX and responded to a my secure online message on XX/XX/XXXX. I've called to ask for a resolution because it is over 90 days and they keep charging me interest on my dispute which is described below. But they said they would contact when they have an answer. And now when I call I get a recording.. " WELCOME TO XXXX XXXX , your call can not be completed as the called party is temporarily unavailable .please try your call later '' I called today XX/XX/XXXX at XXXX XXXX  EST Tel # XXXX during their stated business hours. 

ISSUE : I called when I received my XXXX statement to dispute deferred interest charges they charged regardless that I made full payment on XXXX of {$940.00} before a {$930.00} deferred promotional balance expired on XX/XX/XXXX. My XXXX statement stated that an auto payment of {$130.00} would be deduced on the due date XX/XX/XXXX, but they didn't deduct the auto payment because they said I made the XX/XX/XXXX payment. No other bank does this. I called and filed a complaint and was given XXXX XXXX XXXX. I wrote a letter on XX/XX/XXXX, but there was no response, so I sent a secure message through Comenity Bank Website for XXXX XXXX XXXX, which was acknowledged Message ID : XXXX. I received a physical letter from them on XX/XX/XXXX. Besides not crediting my payment to the promotional plan that expired first, they are still applying any extra payment to promotional plans that expire last, It is so hard to even understand how they are calculating interest ( and I am a secretary who does taxes and calculate closing cost. According to the last statement they charged interest of {$770.00} in XXXX and {$16.00} so far in XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

I was solicited through XXXX XXXX for a personal loan for up to {$10000.00} with good approval odds. I proceeded with the application, and it wasn't until after the application was approved that they they notified me that it would be a secured loan, using my car. One of their loan officers, XXXX, called me minutes later to discuss the loan. I asked her to have the inquiry deleted, since they changed important details of the loan that I was seeking. One of the questions that they asked in the application was if I owned my car outright, which I do. I have a feeling that they use this for more people other than me to give themselves better positions in the loans that they offer. Either way, she said that all I had to do was call the credit bureaus and ask them to remove it, since I didn't want to go through with the loan. I advised her that it is not that simple and that what she is suggesting is not at all how the process works. I informed her that the credit bureaus need a release/statement from their company before they would remove anything. She restated her previous statement. I asked her if there was someone else available that I could speak with. She said that she could give me the number for customer service but that they would tell me the same thing that she did. I asked for someone there who had a better understanding of how all of this works, and her branch manager had conveniently already left for the day. I asked to be transferred to someone else again and stated that I needed to speak with someone that knows how to handle this better than she does and she hung up on me. I tried to call back and she ignored my call. 

Not only am I very unhappy with the invalid inquiry that has already shown up on my credit, but I am also very displeased with how rude XXXX was, the fact that she lied or didn't know the basics of her own field, and the fact that she stonewalled me from being able to correct the issue that they caused.