23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

When COVID hit I lost my job. After learning of forbearance options ( XX/XX/XXXX ) we started the inquiry process with our lender, Great Lakes. However, once we were provided Great Lakes terms which require full payment of all skipped months on the first month concluding the forbearance ; we informed Great Lakes XXXX in writing ) that we would not be proceeding. Several months later XXXX XX/XX/XXXX ) we started refinancing applications and learned that Great Lakes had reported our loan as being in forbearance. Regardless of Great Lakes error, we were able to complete refinancing with another lender. ( The entire time I continued communications with Great Lakes to have the error corrected ). Today ( XX/XX/XXXX ) Great Lakes informed us that they would do nothing to change the reporting, as the loan is no longer with Great Lakes. They included some gibberish that the comment in the credit report should not be stored historically. 

This is truly the worst type of error during a national crisis. Theyve never stated appreciation for our business, refused to provide forbearance policies that would actually assist clients in a time of need and now refuse to correct their error - horrible!
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 process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Company XXXX has received disputes regarding 2 accounts reported to the consumer report. XXXX has provided the nature of the purchases and the amounts per each transaction. XXXX has indicated on prior Calls in the months of XXXXXXXX XXXX, that the accounts were both charged off. When advised for proof of the charge off documents the company has not corresponded in providing the information.XXXX  advised the accounts were sold to a third party collection agency named ; XXXX. After speaking with several representatives from XXXX the company provided on XXXX XXXX that the company received an email and submitted a cease and desist letter for the accounts to stop all collection and advised the information was forwarded over to XXXX. XXXX has inaccurately furnished the report for several months all without stating to mention the collection agency they allege has the accounts in fact do not report to the collection agencies. I have attached all information pursuant to the conversations with several representatives from XXXX. I will like to advise XXXX has never been reported as the collection agency reporting on my credit report. XXXX has furnished the report inaccurately verifying false information reporting to the consumer report acting as if their is still an account with them. All parties pursuant to this dispute are responsible for the inaccuracy. This is and is not going unnoticed. As indicated I have attached information pursuant to the dispute and request all parties to fix these errors.I have disputed the inaccuracy of the information with the reporting agency Experian on several occasions sending proof of the same information attached. I am requesting all errors be corrected.
Product: Credit card

I lost my wallet and someone ended up using my card and withdrawing {$200.00} from my credit card. I immediately called Bank of America and reported it. They denied the dispute saying because it was used at a local branch, they are claiming it was me. When I called the representative, they informed me they attempted to use the card several times at different ATMs that did not belong to Bank of America and was declined. The withdraw was finally approved when they went to a Bank of America ATM. Which is the only one in the area. I did not make this transaction at all. Bank of America has not helped me at all.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the charge-off and profit-and-loss write-off reported on my credit file in relation to account number 1.Creditor : XXXX XXXX Account number XXXX 2.Creditor : XXXX XXXX Account number : XXXX My rights under federal law have been violated, and I demand immediate action to correct this matter.

Violations of My Rights 1. Failure to Provide a 1099-C If a debt is canceled, forgiven, or discharged in an amount of {$600.00} or more, creditors are legally required under the Internal Revenue Code ( 26 U.S. Code 6050P ) to issue IRS Form 1099-C. I have not received such documentation, which is a violation of my rights and obligations under federal tax law.

2. Inaccurate Reporting & Unjust Damage to My Credit If you have claimed this debt as a loss for tax purposes, then legally, you should no longer be reporting it as an outstanding balance on my credit file. Reporting a balance that has been charged off and counted as a loss violates the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681s-2 ) and is considered inaccurate and misleading.

3. Lack of Validation & Due Process Under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ), I have the right to request validation of any debt being reported or collected. If these charge-offs are inaccurate, and do not comply with legal reporting Im asking that they be remove immediately.

I am writing to formally dispute inaccurate information on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). The account in question is : Creditor Name : XXXX XXXX Account Number : XXXX This account is being reported inaccurately and is a violation of my rights under the FCRA. It is currently listed as a closed account, but I believe this information is incorrect and negatively impacting my credit profile. I request an immediate investigation into this matter and demand that the inaccurate information be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I provided Experian, XXXX  and XXXX  with information asking them to verify all accounts on credit file, as I did have issue with incorrect information being reported, as I am a XXXX. I advised that the information was not current, shown to have been incorrect, and ask that they remove the incorrect information ASAP. They are also providing and showing out dated information advising that I am currently behind on my accounts, when I am current and have not been late. Advised that information would be updated, but that information did not show to have been updated still to this day. Showing the last information to be reported was dated for XX/XX/2017. I have asked all 3 companies to update, verify or remove the accounts and to no avail. At this time I am asking for all hard inquires, as well as all collections shown to be removed, and all outdated inaccurate information removed as well. I shouldn't have any inquires on my report as I have not apply for any updated or new credit. I have sent letters to all 3 credit companies advising if this information is not corrected, I will move on the legal actions. I should not have to pull and go back in fourth with a company that is paid to report accurate and true and correct information! Please assist me in getting this all resolved and having all this information verified, removed off my report. I didn't want to come to this point, but this is the only chance to have this matter resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a medical bill that is fraud on my credit! I reported it to police and submitted all reports to all credit bureaus. equifax has not removed it! XXXX and XXXX have already removed it. its XXXX XXXX XXXX XXXX
Product: Checking or savings account

I have a Health Savings Account ( HSA ) with XXXX XXXX  through XXXX/The Bank of New York Mellon for quite a few years. The account has not been particularly active, but during the second week of XX/XX/XXXX I transfered {$3500.00} online into my HSA account and it left my bank account on XX/XX/XXXX. Today, XX/XX/XXXX, I checked online into my HSA account and did not see the {$3500.00} credited. I then called XXXX XXXX and was told that the HSA account was closed by them on XX/XX/XXXX for inactivity. I received no notice from Benefit Wallet of the closing of the account, the representative told me today that there is no notice to me that the account closed, I was still able to go online and contribute to the HSA account that I just learned has been closed almost one year, and I have not been credited back the {$3500.00}.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified. the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : XXXX XXXX XXXX
Product: Credit card or prepaid card

On XXXX I submitted CFPB complaint : XXXX-XXXX for the following concerns : 1. ) American Express closed my account without notice. 2. ) All Reward Points were confiscated with no notice. 3. ) The account had active billing disputes. 4. ) 1666. Correction of billing errors prohibits creditors from 4a. ) attempting to collect a debt in dispute. 4b. ) prevents a creditor from restricting or closing an account with active billing disputes.

Now in response, 1. ) American Express states my account was closed due to A. ) FICO score despite being aware changed due to identity theft and fraudulent reporting. B. ) My revolving balances, which were not out of the ordinary as my accounts had never been delinquent and paid off in full every month. In fact, they had just increased my line of credit on my personal card. Additionally, a large majority of my revolving credit balance was in dispute. Which prevents American Express from restricting, closing, trying to collect or taking adverse action for enforcing my consumer rights. C. ) A Returned payment due to complications from the identity theft I was having to correct. This returned payment would never have occurred if the American Express Agent I spoke with had not told me to allow it to go through even though there wasn't money and just to pay the correct amount from the correct account. This advice was given to me as I contacted American Express right after initiating the payment and realizing it defaulted to the wrong account. I called to cancel the payment to prevent the returned payment but was advised not to. I made the correct payment from the correct account prior to the first payment being returned to keep the account from being late or delinquent in any way. 

Taking this all into account it appears my accounts which to that point been paid in full and never delinquent were closed by American Express because the majority of my billing statement was in dispute and I was the victim of identity theft followed the instructions they provided to me, I was the victim of identity theft and followed the instructions provided by American Express customer support agents. Still American Express has yet to reply to the reasoning they closed my accounts violation 1666. Correction of billing errors took adverse action due to fraudulent information resulting from proven identity theft, closed my accounts despite having paid my cards in full every month having a XXXX revolving balance every month which was not in dispute, or why they closed my account despite following their instructions when I notified them of the error in payment account prior to the payment being returned. 

Furthermore had American Express followed 1666. Correction of billing errors and provided me notice prior to closing my accounts and confiscating my reward points, I would have been able to cash in those reward points for a statement credit drastically eliminating the remaining balance, not in dispute on my platinum card.
Product: Credit reporting or other personal consumer reports

This issue of incorrect account reporting has been ongoing with XXXX XXXX XXXX as this is my second CFPB claim against them regarding the Account Number : XXXX that pertains to the Vehicle : XXXX XXXX XXXX XXXX XXXX. I've recently file my intial CFPB claim against them in XX/XX/XXXX because they repossessed the vehicle nearly a year ago, report the account to the credit bureaus as closed and repossessed ; but, was still reporting monthly late payments and blance updates that ended up totaling over {$8000.00}. Before filing the my first CFPB claim against XXXX XXXX XXXX, I wrote to them several times wanting verify information about the vehicle, the account, and the reporting of the account. Namely, why they were continuing to report late payments to the cresit bureaus on a nearly XXXX  year old closed repossessed account, and the details on the selling of the car that they hadn't disclosed to me as I found out they sold the vehicle at an auction in XX/XX/XXXX via a records search company but XXXX XXXX XXXX was reporting the aforementioned anyway which continued to damage my credit. Only after I filed my first CFPB claim against XXXX XXXX XXXX did they disclosed that they sold the car, then applied the proceeds they received to the over {$8000.00} balance they wrongfully increased to over the period they were reporting late payments on a nearly XXXX year old repossessed car and closed account, then changed the reporting of the account to a Charge Off for the amount of {$1500.00}. The issue continues now is XXXX XXXX XXXX is now reporting late payment updates of {$6.00} on XX/XX/XXXX and {$14.00} on XX/XX/XXXX on a written off Charged Off account. This reporting behavior by XXXX XXXX XXXX is frivolous, intentionally erroneous, and is intentionally damaging to my credit and quality of life. The vehicle was repossessed nearly a year ago, they reported the account as closed and as a repossession, sold the vehicle, reported the account now as a XXXX XXXX and XXXX XXXX ; and, they are still reporting late payments and balance updates as shown in the attached images to this report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted this complaint to update this suspicious information. Credit Bureau must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX Balance : {$10000.00} ; XXXX XXXX Balance : {$290.00} ; XXXX XXXX Balance : {$2200.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$520.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, i wrote Transunion, in part : " To Whom It May Concern : This letter is in response to your recent claim file # XXXX that the following furnishers have verified that the accounts reporting under my name is accurate. 
Accounts : 1. XXXX XXXX # XXXX 2. XXXX XXXX # XXXX 3. XXXX XXXX # XXXX 4. XXXX XXXX # XXXX 5. XXXX XXXX XXXX XXXX # XXXX 6. XXXX XXXX XXXX XXXX # XXXX Be advised that the description of the procedures used to determine the accuracy and completeness of the information is hereby requested, to be proved within fifteen days of the completion of your investigation. 
Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. '' I received a correspondence dated XXXX from Transunion stating that they completed an investigation for the accounts above and they verified them previously. On file number XXXX, the accounts they alleged were verified weren't updated as they would be if they were investigated correctly. 

1. XXXX XXXX # XXXX Updated on file number XXXX, XX/XX/XXXX 2. XXXX XXXX # XXXX Updated on file number XXXX, XXXX/XXXX/XXXX 3. XXXX XXXX XXXX XXXX # XXXX Updated on file number XXXX, XX/XX/XXXX 4. XXXX XXXX XXXX XXXX # XXXX Updated on file number XXXX, XX/XX/XXXX It is my belief that an investigation was not completed for the following acoounts.
Product: Credit reporting

I am writing to exercise my right to request verifiable proof of the negative events you have listed within my credit file. The 15 U.S. Code 1681g - Disclosures to consumers requires CRA 's to disclose the sources of information regarding the negative events that are being reported by your agency upon request by the consumer. THIS IS NOT A DISPUTE. 

1. XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX 7. XXXX XXXX XXXX XXXX XXXX 8. XXXX XXXX I expect that you will provide verifiable proof as required under the 15 U.S. Code 1681g - Disclosures to consumers within 30 days. If you are unable to provide such proof within that timeframe, I expect these negative events to be removed.! Please communicate your intentions in writing.!
Product: Mortgage

XXXX. We were approved for a mortgage and it was sold to Shellpoint/Newrez.

2. We continue to get confusing and conflicting letters from Newrez including asking us to change our address to one that does not exist in our building.

3. The insurance department will not use the instructions that we provide them to request our XXXX every year.

4. Last year and this year, they have force placed insurance on our unit. ( We filed a complaint last year and it was resolved by putting the money that they erroneously collected into our escrow account ( obviously, we would prefer to have that money in our account and it is THEIR error ).

5. After submitting the XXXX  this year for them ( again, they ignore the numerous emails, letters and phone calls asking them to please use the instructions the building 's insurance company provided us for them. They do it by email and not fax ), they have force placed wind insurance on our unit. 
6. We call and speak to agents that agree that we have sufficient coverage and then we start getting the letters again.

7. Our XXXX is the exact XXXX coverage that we had when we bought our condo. We maintain proper coverage and we do not have time to do this year after year. My mother is XXXX XXXX XXXX and I do not have the time or energy to fight my mortgage company. We pay our mortgage payment via the auto draft, and we maintain sufficient coverage. This has become harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wish to file complaint against Transunion XXXX I have sent 4 different dispute letters to correct inaccurate information on my transunion credit file. 
XX/XX/2018 was my 3rd letter asking for written verification of collections and I did not receive verification or any proof of an investigation. 
Again on XX/XX/2018 I sent a 4th and final letter to investigate and verify said accounts and still have yet to see any results.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report.XXXX  XXXX {$2600.00} DPT EDXXXX XXXX XXXX DPT EDXXXX XXXX {$2500.00} DPT EDXXXX {$4200.00} XXXX XXXX {$530.00} XXXX XXXX  XXXX {$520.00} US DEP ED XXXX {$6300.00} XXXX {$5400.00} XXXX  XXXX {$540.00} XXXX  XXXX {$530.00} XXXX XXXX {$700.00} XXXX {$1000.00}
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I Zelled {$610.00} from my XXXX XXXXXXXX checking account to my husband 's XXXX XXXX account, using his email address XXXX, he did not receive the money, my husband let me know he recently unenrolled his email XXXX and enrolled his phone number XXXX because he was having trouble receiving funds via Zelle with XXXX XXXX . After reviewing my transaction on my XXXX XXXX online bank with Zelle the transaction shows delivered for Friday XX/XX/year> so we waited after XXXX holiday. As of XX/XX/year> we phoned XXXX XXXX they do not see any transfer deposits made to my husband 's checking account for {$610.00} and XXXX XXXX shows my transfer for {$610.00} was delivered they cannotcancelthe transfer and its not pending with errors. I filed a claim dispute and XXXX XXXX stated it would take 45 days and they would temporarily deposit the {$610.00} dollars back into my account after 10 business days. On XX/XX/year> I had my husband unenroll his phone number using his XXXX XXXX Zelle and re-enroll his email to see of the money will go through and it did not. On XX/XX/year> I received a response on my complaint dispute. It was denied and advised that the transaction was completed. The transaction was not completed my spouse never received the {$610.00} to his XXXX XXXX bank account.