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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Acct # XXXX The CARES Act, which President Trump signed into law on XX/XX/2020, XXXX amends the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisis. I was current on my payments and called XXXX XXXX about being affected by the pandemic. 

I would like to dispute a late payment that has been reported to all XXXX credit bureaus for XX/XX/2020. XXXX XXXX reported my account late for the month of XX/XX/2020. 
I have learned that because Covid-19 affected my finances making it difficult to make my monthly obligations, and that Congress made Covid-19 a national emergency, the Cares Act called for creditors to adjust how they report accounts to the credit bureaus that have been modified. The law requires creditors to report any account that has a payment accommodation applied to it as current to all 3 credit bureaus - as long as the account was current when the accommodation was made, which my account had been current until Covid-19 hit. The CARES ACT states the creditor needs to report to the credit bureaus that you are current on your loan. XXXX XXXX did not report my account current XX/XX/2020 and because of this, has affected my credit reports and credit scores. 

I had never been late with a payment until XXXX hit in XX/XX/2020 and the lock down that was ordered by the Governor of Colorado XX/XX/2020 until XX/XX/2020 and I have been current since with my payments. 

I requested that XXXX XXXX apply a goodwill adjustment to remove the late payment from my file. I have continued to make on time payments to XXXX XXXX since XX/XX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached an FTC report with a collection and inquiries I did not authorize and they are fraudulent please delete
Product: Credit card

I have had this card for years and it was closed MANY years ago! During XXXX they raised my interest rate even though the account was closed. I had called them and was told they could change it whenever they chose. I have talked to an attorney friend who told me they should not be changing the interest rate after an account has been closed. I want the interest they have been accruing, and that I have paid, refunded and the interest rate put back to the ~ 3 % it was. The account is in my mother 's and my name. My mom is XXXX XXXX XXXX, she has no charges or payments on the account. It has always been all my responsibility. 
Account number ending in XXXX Billing Inquiries and Customer Service XXXX XXXXXXXX XXXX XXXX, SD XXXX XXXX, ( TTY : XXXX ) www.citicards.com
Product: Mortgage

The Fair Housing Act makes it illegal to deny or discriminate against people based on race, XXXX, national origin, religion, XXXX, familial status or XXXX when it comes to issuing mortgages or mortgage modifications. Master Servicer Bank of America and sub-servicer XXXX XXXX XXXX have discriminated retaliated against us by placing our home in foreclosure while in a active workout and while we have been making trial modification payments since XXXX 2016. Master Servicer Bank of America padded my inhouse modification with over {$100000.00} of unauthorized fees, misappropriated payments, failed to post escrow correctly, never corrected errors made from forced placed insurance, put themselves as the lender on our modification and they were never the lender. Bank of America the Master Servicer and XXXX XXXX XXXX the sub-servicer have retaliated against my husband and I through a variety of unfair and fraudulent tactics through targeting our XXXX to take advantage of and manipulate in-house modifications. Both Bank of America Master Servicer and XXXX XXXX XXXX sub-servicer have committed the following violations against us by targeting us : a ) Targeting XXXX borrowers with in-house modifications then do the bait and switch with dual tracking. ( See Exhibit A ) b ) Targeting XXXX borrowers holding fraudulent deeds and notes with denial of Hamp modifications. ( See Exhibit B ) c ) Targeting XXXX borrowers with in-house modifications that placed Bank of America as the Lender when Bank of America was never the lender. ( See Exhibit C ) d ) Targeting XXXX borrowers with in-house modifications that fail to provide the identity of a true current secured lender creditor. ( See Exhibit D ) e ) Targeting XXXX borrowers with in-house modifications that charged excessive interest. ( See Exhibit E ) f ) Targeting XXXX borrowers with in-house modifications that threatened to foreclose on borrower unless signed. ( See Exhibit F ) g ) Targeting XXXX with in-house modifications that inflated unauthorized and undocumented fees. ( See Exhibit G ) h ) Targeting XXXX with in-house modifications that padded mortgage with increased fees. ( See Exhibit H ) i  ) Targeting XXXX borrowers with in-house modifications stating they willfully and voluntarily give up their rights to a trial by jury. ( See Exhibit I )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the following issues with XXXX, XXXX, and Trans Union. I am unable to access and temporarily remove the credit freeze on my accounts so that the Social Security Administration can verify my identity. I have asked that each of the three credit bureaus provide me current passwords to unfreeze my account. Second, I have been told I need to identify myself and have provided the attachments to self-identify. Third, my ultimate purpose is to have the fraudulent XXXX accounts removed from my credit reports. XXXX has forgiven the debt, written off the account, and issued XXXX. I filed each with my tax returns. I have repeatedly indicated those accounts are not mine, were never mine, and that I never benefited from those accounts, I repeatedly indicated to XXXX that it was my belief my former spouse fraudulently opened the accounts in my name and if they were used, HE then used the accounts. I never used the accounts. During the course of our marriage, my former husband was extremely cruel and abusive, kept hidden accounts, and was plagued by gambling creditors inside and outside the United States. Those days are behind me and I want to move forward with my daughter, buy a home, and be left alone. The XXXX accounts are nearing their 7 year expiration period and I am asking that each of the three credit bureaus remove them from my account. Please provide me an updated credit report from each agency.
Product: Credit card

Credit account allows over payments to be allocated to the promotional balances to pay those accounts before others. The company disregarded those preferences and reallocated payments to a balance that has months of interest free time left. 

I've monitored the payments as I've made them. They were applied properly then subsequently reallocated to a balance that is not immediately due in an effort to collect on built up interest charges acquired during the promotional period. 

I feel they are misleading the functionality of the app and maliciously attempting to apply charges that should not apply.
Product: Payday loan, title loan, or personal loan

I had 2 accounts with Goldman Sacs when the pandemic happened. After non-payment for a few months, I was contacted by Goldman Sacs with a procedure to get the accounts current. After the first loan was updated, the Goldman Sacs representative stated that they could update the other account also. So, on XX/XX/2020 I made a payment of {$250.00} to both accounts. This was supposed to bring both accounts current. The following month I received a call from their collection department for payment on the 2nd account. I was informed that they could only update one account and the second account was still past due. Until the pandemic, all payments were made on both accounts in a timely manner. Now I was skeptical because of their questionable practices. They turned me over to a collection agency who wanted me to pay them {$4000.00} to set up a payment plan. I did not have that much money to do that at the time. They garnished my checking account and my college son 's account as I am a signer on his account because we opened it when he was underage. I have made an arrangement with the collection agency but I just want to report their questionable practices.
Product: Credit card

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX days past due as of XX/XX/2012 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Debt collection

Payalience has continued to try to charge me for a debt that was already taken care of in my XXXX report its closed and a different Collection agency is listed so makes me believe that XXXX disclose my information to XXXX different collection agency 's which its illegal the XXXX XXXX is XXXX and second payliance
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX  XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 

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

In late XXXX, I fell behind on my mortgage payments with M & T Bank due to being overextended. 

When I was able to resume payments, they would not take my payments because my account was in pre-foreclosure status and I had to submit documents to be considered for a loan modification. 

After months of faxing and e-mailing, I was told that I would have to start the process all over again because too much time had passed and they would still not accept any payments. 

I began the process again, and I this time I had to pre-pay for insurance on the home. I did this and after months of faxing and e-mailing again, I was approved to do a 3 month trial payment period, after which it was my understanding, that the loan modification would be in affect. 

I made XXXX trial payments for {$500.00} in XXXX, XXXX and XXXX of XXXX. After I made these payments I was told that there were liens on the home. I responded by telling the bank representatives that the liens were not mine. In fact, the names on the sheet they sent me were for a male family member with no connection to the home whatsoever. I am female. The bank has my Social Security number and this was obviously not my debt. I was using different mailing addresses from the property as not to have others in the home receiving my correspondence. 

I was under the impression that I would have time to work in the title issue since I had been in communication with the bank. As I was working XXXX jobs it took me some time to get the form for the title issues and figure out what the bank was asking me to do. When I called to find out about sending the letter in disputing the liens, I was told that I would once again have to begin the process of a loan modification. 

This process of faxing and e-mailing is extremely tiresome and time consuming. Especially, for a working person. I started it again and this time, I had even more income since someone living with me was giving money toward expenses. I thought this would help in the process. Unfortunately, it did not, because I did not have documentation of the additional income. I asked if the file could be reviewed without consideration of the additional income, since I still had the same amount of income as I did before when I was approved without it. I was told that it was a possibility. 

This was all happening very close to the sale date, so I requested that it be postponed, but I was denied. I asked about my file and I was told that the underwriter was waiting for documentation of the additional income. I explained that I was told my file could be reviewed without the income being considered. 

This never happened. My file was not reviewed and the bank put my home on the auction. The buyer ... M & T bank. The bank is now the owner of my home. I was never given the opportunity to make payments on the home during the process and it was a long process because I had to keep re-starting which makes it look like I was just not paying for this number of months when M & T Bank was actually refusing to accept my payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have listed on my credit report XXXXwo accounts from XXXX XXXX. One of them was stetted in full with their authorized collection agency XXXX who stated that they inform XXXX but the account is still being reported incorrectly. XXXX is unable to find the second account, i was told that by their collection department since XXXX and that account is still being reported on the credit report even tough they are unable to find it so that I can resolve this matter. I also have been calling them since XXXX and wrote to them without success
Product: Credit reporting or other personal consumer reports

This letter is regarding the difficulty and time spent submitting and contacting Equifax regularly regarding access to the online portal and filing electronic disputes.

As a consumer, I do not feel I have been provided with the due process as outlined in the Fair Credit Reporting Act. According to FCRA section 607 ( b ) provides that [ w ] henever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Mortgage

After the forbearance Mr.Cooper worked with me and started a loan modification. All the papers were signed and notarized. 3 weeks ago I was made aware that it was approved but I. Had to pay {$1300.00} for it to be approved which was never stated in the paperwork. Now I was told if I didnt pay the modification would be denied and as of today Im still paying the original amount and being charged late fees from the forbearance. They are harassing me and stated they will have to proceed with the foreclosure process. Forbearance ended on XX/XX/21. The bill I received was on XX/XX/21. I signed the loan modification a week before XXXX and they are telling me foreclosure is the only way to bring the loan current. I have the documents stating the loan mod was approved
Product: Checking or savings account

We deposited a check in the amount of {$220.00} on XX/XX/2023. The same day the bank made an adjustment and debited our account for {$61.00}. When questioned they told us that because the check was from XXXX, the adjustment was because of the difference between dollars and euros. The check was clearly made out in dollars. See case # XXXX.
Product: Credit reporting or other personal consumer reports

formally complain about the unauthorized accounts that appear on my credit report, which were initiated without my explicit consent. Despite my multiple attempts to resolve this matter over the past four months, starting in XXXX, I have yet to receive a response or resolution from your company. This inaction is a violation of my rights under both federal and state law. Legal Basis for the Complaint : XXXX XXXX XXXX XXXX XXXX : Under Pennsylvanias Unfair Trade Practices and Consumer Protection Law, any contract or financial agreement must be supported by clear evidence of debt and a copy of the contract. The accounts and inquiries listed on my credit report do not meet these requirements, as no proof of debt or contract has been provided. Federal Credit Reporting Act ( FCRA ) : According to the FCRA, I have the right to dispute inaccurate or unauthorized information on my credit report. I have done so, and no documentation supporting the legitimacy of these accounts and inquiries has been provided within the required time frame. Failure to provide such documentation within seven days from the submission of my dispute necessitates the immediate blocking and removal of these items from my credit report. Truth in Lending Act ( TILA ) : TILA mandates transparency in all credit-related transactions. The lack of response and failure to provide requested information on these unauthorized accounts and inquiries breaches this requirement. Police Report : As required by the aforementioned regulations, I have attached a copy of the police report I filed to substantiate the fraudulent nature of these accounts and inquiries. Request for Immediate Action : I urge you to take immediate action to investigate and remove all unauthorized accounts from my credit report. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Received a call from XXXX XXXX stating that they are collection from XXXX ( Delbert Services ) and I oweXXXX. They have called XXXX, home, cell and now work, which I work for the Federal Government. 
XXXX my cell, XXXX, brother-XXXX and now my work number XXXX. Request information about the company and she refused to provide any information she started yelling at me so I hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian XXXX XXXX is obligated by the FCRA to report accurate accounting, Consumer has advised that ALL inquiries reported was fraud. Said company has 4 days according to the Law to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting XXXX, Experian XXXX XXXX to provide the documentation used to determine inquiry was indeed authorized by the consumer, XXXX, Experian XXXX XXXX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. Consumer is NOT asking for an e-oscar report, if XXXX, Experian XXXX XXXX does not have documentation to show these were in fact authorized, it must be removed as soon as possible. SAID company is liable under the SEC to follow certain rules. XXXX XXXX file number XXXX :, Experian 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX firms to audit consumer account XXXX XXXX us securitizing consumers data yet refuse to provide consumer with a copy of their CONSUMER file but instead provide a Consumer Report/ Credit Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent letters over 60 days ago to this bureau Experian and they are disregarding a regular consumer dispute. I'm stressed and extremely upset at this company because I've been sending letters before this and still no response.
Product: Money transfer, virtual currency, or money service

A transaction hold was made on my account for {$170.00} for a purchase at a gas station that was not charged to my account because it was denied due to my zip code being wrong on the app. Cashapp has been holding my money for 5 days, there is no reason to.hold my cash seeing there was no charge. I have contacted the merchant and they stated Cashapp is the ones holding my money. Everytime I call the support team for Cashapp they have been giving me different information. One rep said they would release my money today the XXXX XXXX XXXXXXXX, the other rep said XXXX hours, now they are telling me 10 days. This is unacceptable seeing that it is my money. It is a huge inconvenience and all the reps are not on the same page. This happened on Wednesday the XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX  XXXX XXXX Goldman Sachs ) made an unauthorized notation ( late payment ) on my consumer report without my written consent.
Product: Money transfer, virtual currency, or money service

At XXXX today XX/XX/2023 i added XXXX $ from my gift cards onto my square business account and updated my debit card information from signal financial to XXXX XXXX the Square application. After completing this, i went to internal transfer and could not. Upon this i opened a ticket on Square and then my account says it will be reviewed in XXXX. by XXXX today I received an " No-reply '' email from XXXX talking XXXX my account has been deactivated, and i won't get my funds until 90 days or XX/XX/XXXX with no explanation, nothing provided. When i called via phone the representative XXXX said to reply to that " No-reply message '' of which i have not received a response. I notified that I would file a police report in my district, report to FTC and file with CFPB immediately. I don't know what business practice was attempted here but this is unacceptable and is what i consider theft. Also, the person XXXX said i should read section XXXX and XXXX from squares policy ( Of which wasn't provided ) in addition to that the sections don't even apply to my person or account. Please advise & assist immediately. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

This was my follow up regarding my previous complaint dated XX/XX/XXXX. It has been brought to my attention that you are NOT removing items when theyre sent with an FTC report. Since it is a requirement by law 605b of the FCRA, if you choose to not remove the following items listed below which are reporting inaccurately due to misrepresentation in my credit report, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove the following items as they are inaccurate & were opened without my consent or knowledge : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX  XXXX Balance Owed : {$4600.00} -- -- -- -- -- -- -- Equifax : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX  XXXX XXXX Balance Owed : {$4600.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -- -- -- -- -- -- -- XXXX : XXXX XXXX XXXX, AZ XXXX XXXX XXXX  XXXX Balance Owed : {$4600.00}. Please note that you have XXXX business days to remove the reporting of any items in my credit file that resulted from a faulty credit reporting. I do not consent to XXXX or any means of automated verification.
Product: Debt collection

This company is trying to collect a debt that is the result of identity theft. The originating company, XXXX XXXX, claim they have written off the account as there is no record of my ever having service with them in XXXX Arizona.