23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

This is a complaint against BWW Law Group which is a debt collector and as such is liable under the CFPB for it 's actions. 
I have submitted a complete application for a loan modification to the debt collector, BWW Law Group, on numerous occasions to the present. I have received letters dated XXXX XXXX, 2015, and XXXX XXXX, 2015, denying my application for a loan modification. I timely appealed the denial. To date, BWW Law Group has not responded to my appeal of the denial, and as such, no foreclosure sale date can be scheduled pursuant to the CFPB. 
Pursuant to 12 C.F.R. 1024.41 ( g ) ( 1 ), if a foreclosure action has already been filed and it is more than 37 days before a foreclosure sale, and the borrower submits a complete loss mitigation application, a servicer can not " move for a foreclosure judgment [ including a dispositive motion like a motion for default judgment, on the pleadings or summary judgment ] or order of sale or conduct a foreclosure sale until there has been a final outcome of the decision process for the loan modification. " The CFPB requires that the appeal must be reviewed by different personnel than those responsible for evaluating the borrower 's application. And, within 30 days of the borrower making an appeal, the servicer must provide a notice to the borrower stating the servicer 's determination of whether the servicer will offer the borrower a loss mitigation option based on the appeal. Id. at XXXX ( XXXX ). 
BWW Law Group, profoundly ignoring the CFPB, is dual-tracking me in order to foreclose on my home, going so far as to schedule a sale date of XXXX XXXX, 2015. 

Debt Collector Address : BWW Law Group, LLCXXXX XXXX XXXX. 
XXXX XXXX, Maryland XXXX ( XXXX ) XXXX ext. XXXX ( XXXX ) ( XXXX ) XXXX ( XXXX ) XXXXXXXXXXXX
Product: Credit reporting or other personal consumer reports

I called Equifax to inquire about the missing historical data on my consumer report. It seems that other agencies, like XXXX, are also facing the same issue. XXXX 's response states, " Sorry, we can't show you today 's 3-bureau report. This might indicate that Equifax either has no record of your credit history or holds different personal details for you in their files. Until this issue is resolved, you will be unable to access your report. '' It has been 30 days without a response, and this has negatively affected my finances for my business.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted to the major credit reporting agencies a dispute in regards to accounts and inquiries on my credit that I never knew about or authorized. It has been well over 30 business days since I have submitted my dispute via certified mail to the addresses they have listed on the websites, yet to no avail as the accounts continue to erroneously report on my credit file.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App To : 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 comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Report states that I received 12 years XXXX when I only received 1 year and it was successfully completed
Product: Credit reporting, credit repair services, or other personal consumer reports

I had tried to obtain my free annual credit report for 2022, as I do every year. I had no problem obtaining my report from XXXX and XXXX, but was refused report by Equifax, criminal organization that is spying on Americans and has already leaked their data, including mine, to hackers. When, at XXXX website, I moved onto the stage of getting Equifax report, a window popped up asking me only 2 questions, none of which pertain to my identity, email address and phone number. My phone number is not any of the business of Equifax, I'm already suffering from constant spam calls forcing me to change the number, neither Im required to own a phone number to receive my annual free credit report, as established by law! This demand is a gross violation of my privacy by Equifax. What's next, submit DNA to them to get my free credit report? I had been getting this report for years and was not asked for a phone number, this is illegal demand and is discriminatory against people who do not have a phone. Currently I do not have active phone! I provided my phone number and was refused service. I tried twice and while 1st time they demanded to call them, 2nd time they just gave me garbled message with all info blacked out clearly meant to be misinformation, I saved screenshots, for example the phrase " Our customer service is available between XXXX, XXXX '' was used, XXXX. I tried to call them and faced long hold, also was not helped and demanded personal data I'm not comfortable sharing with their faceless, nameless reps who can steal my info and identity! Equifax is required to provide free credit report to consumers, they are blatantly violating the rights of Americans, while stealing, illegally collecting and selling our data. I demand Equifax to cease and desist hiding my credit report from me ( they're doing it to force me to pay them and give them even more data on myself they're not entitled to ) and be charged with federal crimes they had committed and prohibited from further operations in the United States.
Product: Credit reporting

I am a victim of identity theft. The following account and inquiries are unauthorized and fraudulent : XXXX Bank, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX Bank XXXX XXXX/XXXX/XXXX, XXXX Bank XXXX XXXX/XXXX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries that I did not make which has caused me to have to answer questions that are not related to my credit, and inquiries that were not made by me. 

My my XXXX credit report has 2 different social security numbers listed ( see attached copy ). I have called and can NEVER get a live person to answer!! 

Inquires that need to be deleted : XXXX XXXX XXXX  XXXX Inquiry : XX/XX/XXXX XXXX  XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXX  XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for an apartment at XXXX XXXX  in XXXX, GA, and was advised that my app was denied due to Screenin Reports, Inc. 's information claiming I was evicted in XXXX of XXXX. This is not correct. I was not evicted in 2023 from XXXX XXXX XXXX XXXX nor were any legal proceedings brought against me at that time. I just had a court appearance this month in which I am voluntarily moving on the XXXX of XXXX thud no writ of possession has been ordered and any funds I still owe the landlord has been agreed to be paid monthly between the landlord and myself starting in XXXX. The landlord is not renewing my lease because due to unfortunate circumstances my son had to move in with me so he would not be homeless. Since this is a senior citizen development and I knly have a XXXX bedroom apartment the XXXX will not renew my lease whether I owed rent or not ; but I was not evicted in XXXX, and no proceedings were filed in XXXX, thus the information that Screening Reports Inc. is reporting is inaccurate and should be removed immediately so that I can be approved for another apartment asap. Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and I have found the following items listed below to be in error. 

Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I NEVER gave You, Experian any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. Credit Reporting Agency has caused severe stress and anxiety due tothe abusive and unfair practices.

You, Experian, should be ashamed of yourself for ASSUMING this role and position to constantly commitfraud and cause harm to consumers!

These accounts are listed with late or missed payments and that is incorrect. The following accounts were NEVER late and should be listed as PAYS orPAID AS AGREED.
Product: Credit reporting, credit repair services, or other personal consumer reports

2 Personal Loans from XXXX XXXX XXXX was recently paid off. The team @ XXXX indicated that they've provided updates to the ( 3 ) credit reporting agencies about the paid-off & closed account status ' however Experian for example, has informed me that the status of my XXXX accounts will remain unchanged showing both accounts open with a current balance as per the request from XXXX. 

Please see the attached email from the office of the CEO @ XXXX confirming the accounts were paid in full, closed, and the credit reporting agencies were notified. 

The delay in updating my credit report showing a {$0.00} balance and closed account status is delaying my ability to complete the refinance of my mortgages since my credit report has incorrect information about the total amount of debt I currently have from the opened accounts. 

Account # : Loan 1 # XXXX Loan 2 # XXXX
Product: Debt collection

On XX/XX/XXXX I received notice of CAPIO PARTNERS in debt collections on my credit report. I was previously trying to dispute the errors with the previous collectors who did not send any verification of debt and would not provide me with documentation. I sent a verification of debt request on XX/XX/2020 to CAPIO PARTNERS and have not gotten a response, when reaching out the company was hostile and i believe that payments were made previously before being thrown in debt. It is inaccurate and dropped my score immensely. I never received a 180 notice to even have a chance to reconcile the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting inaccurate information that the account is opened. this account was fraudulent and needs to be removed XXXX is reporting a second fraudulent account that needs to be removed indigo never sent a billing statement nor bill of a balance due. i am requesting all lates be removed. 

Self : i was never late this account is my own money and should never be showing as late XXXX federal is reporting lates over XXXX XXXX XXXX. lates need to be removed
Product: Credit card or prepaid card

XXXX XXXX XXXXXXXX and Citi are preventing lawful citizens from exercising their constitutionally protected rights in regards to purchasing firearms.
Product: Credit reporting or other personal consumer reports

After twice confirming that XXXXXXXX XXXX XXXX in COLLECTIONS had been removed on XX/XX/ it was reinserted And possibly ReAged to Open illegally violating accuracy and Privacy. Account was already beyond its 7 years of XXXX day of Delenquency and excluded from Consumer Files according to XXXX XXXX XXXXXXXX memo. Consumer Files shown sent XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom it May Concern : I am submitting this complaint regarding Experians, Transunions, and XXXX failure to properly investigate disputes I have filed concerning inaccurate information on my credit report. I am also a verified victim of the XXXX XXXX XXXX. Despite providing evidence to support my claims, XXXX, XXXX, and XXXX has not taken the necessary steps to conduct a proper investigation, which violates my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). 
The inaccurate accounts in question are as follows : 1.Discover Credit limit {$9700.00} inaccuracies and discrepancies across all credit bureaus of late payments are not consistent and accurate and amounts XXXXXXXX XXXX  XXXX XXXX credit limit {$6100.00} inaccuracies and discrepancies across all credit bureaus of late payments are not consistent and accurate and amounts XXXX. XXXX XXXX XXXX limit {$2500.00} inaccuracies and discrepancies across all credit bureaus of late payments are not consistent and accurate and amounts XXXX. XXXX XXXX XXXX limit {$3300.00} inaccuracies and discrepancies across all credit bureaus of late payments are not consistent and accurate and amounts I have submitted proof of mailing dispute that I sent directly to this creditor and uploaded that letter and credit bureau report discrepancies on their portals as proof that the information is either inaccurate or unverifiable. However, they have either failed to verify the information properly and has not given any response explaining their investigation process or have shown any correction to their errors. 
This failure to conduct a reasonable investigation has caused harm to my credit score and financial wellbeing, effecting my ability to ( get approved for credit, loans, housing, etc. ). 
I am requesting the following actions from XXXX, XXXX, and XXXX through the CFPB : 1. Conduct a proper and thorough investigation in the actions Ive disputed.

2. Provide me with a detailed explanation of the steps theyve taken to verify or correct the information.

3. Remove any inaccurate or unverifiable information from my credit report immediately.

I am attaching all relevant documents, including dispute letters, and supporting evidence, to this complaint for your review. I submitted my online disputes XX/XX/year>. 
Thank you for your assistance in addressing this matter and ensuring that all bureaus comply with federal laws to protect consumers like me. 
Sincerely
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX   and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX score has gone too far, including but not limited to XXXX   XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Credit card or prepaid card

I have contacted Apple Support multiple times including today ( XX/XX/2022 ), and have not received proper help. Support bounces me around for hours just to say theres nothing they can do. I would rather work with a collector than Apple. My account was closed in XXXX for being past due, but my account was not past due ( look at attachments ). I dont want this card as Apple is terrible service, but I would like to settle ( which they said they cant do ) as I dont agree with why the account was closed and I dont see an end to their practices. They said the account will stay like this until I repay it and reapply 30 days after. Please help me as Apple thinks they can push us little guys. Thank you!
Product: Credit card

Chase card fraudulent late fees : In XX/XX/XXXX chase charged my account {$150.00} and XX/XX/XXXX so far {$270.00} late fees All payments were made on the due date after XXXX pm. Chase phone payments ( automated payment system XXXX rolled the payments over to the next day then charged late fees. 
The bank was making more in late fees than interest which were respectively {$140.00} and so far XXXX for XX/XX/XXXX. 
When I call, they say it 's automatic they can not undo it although its wrong
Product: Credit reporting or other personal consumer reports

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

Someone got the hold of my credit card number and used it to fraudulently acquire items from several merchants. The total amount of the fraudulent purchases is {$7400.00} ( {$7100.00} with XXXX XXXX XXXX in XXXX on XXXX XXXX, 2015 and {$310.00} with XXXX XXXX on XXXX XXXX, 2015 ). Although I live in XXXX, my wife and I were out of town when those fraudulent charges were made.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received XXXX hard inquiries on my Equifax credit report from XXXX - XXXX in XXXX and XXXX from XXXX. The dates of these inquiries are XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have used XXXX XXXX XXXX and XXXX XXXX for my internet and cable since XX/XX/XXXX, and have no interest in XXXX nor do I live in XXXX or XXXX. To this date, I have not seen an withdraws from my accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following and attached is additional and further proof of fraud on XXXX XXXX XXXX XXXX XXXX # XXXX. XXXX XXXX XXXX XXXX continues to deny fraud but they can not deny they didnt have permissible permission to access my credit report for this loan. XXXX  XXXX XXXX XXXX continues to refuse sending copy of their permissible permission to access credit together with copy of the dated credit report. REGARDLESS, REVIEW THE FOLLOWING AND ATTACHED FURTHER PROOF OF FRAUD. On XX/XX/XXXX, I went in to the Sheriffs office to file the attached sheriffs report against XXXX XXXX XXXX. She uses many names including XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. In XX/XX/XXXX, a reward was offered for XXXX XXXX XXXX the same person in sheriffs report and listed as XXXX Top Ten Most Wanted for another related incident. In XX/XX/XXXX, XXXX was arrested for False Pretenses and Forgery in XXXX County Mississippi. See attached reports. When researching, I found much more including civil lawsuits and a picture of her in a magazine article XXXX XXXX XXXX XXXX. See attached. This XXXX XXXX XXXX is the same person referenced in my XX/XX/XXXX sheriffs report that stole from my desk in XXXX. She stole XXXX Card, 2 XXXX XXXX Cards ending XXXX & XXXX, XXXX XXXX, XXXX, my identification, and files including XXXX XXXX, XXXX XXXX XXXX Mobile Phone account, and file folder of login information with verification questions and passwords. I later became aware of two cars fraudulently purchased in my name. See attached XXXX XXXX XXXX XXXX credit applications for the two cars. See all inconsistences plus XXXX email address and phone number. XXXX XXXX XXXX added herself to many of my accounts falsely pretending to be my wife and impersonating. The fraudulent XXXX XXXX XXXX XXXX loan was and is not mine. It is obvious to anyone that XXXX XXXX XXXX is a con artist, forger, credit card abuser, and guilty of false pretenses as evident in her arrests.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed this account listed below. 
XXXX XXXX XXXX XXXX  XXXX # XXXX As a result it was verified and updated on XX/XX/20. I'm requesting your verification method used to do so. Also I'm requesting any authorized documents on this account for it is unknown to me. SEE ATTACHMENT OF MY ORIGINAL CREDIT REPORT THAT SHOWS ACCOUNT IN QUESTION.
Product: Mortgage

While working through the Loss Mitigation process, I was offered a sale opportunity of my property. During the process, I continued with the Loss Mitigation efforts in case the sale did n't close. At the time of closing, the payoff statement that I was given was deemed to be short and funds were held up. The short payoff was due to the loan proceeding to Foreclosure after it had been deemed complete by Quicken loans. This constitutes dual tracking. I submitted a request that all notes and a complete itemized list of all costs and fees incurred be mailed to me at my new address. This was submitted nearly 2 months ago and still has not been complied with. Please investigate this process and advise me of the outcome. My loan # with Quicken was XXXX for XXXX XXXX  The property address was XXXX XXXX XXXX XXXX XXXX IL XXXX
Product: Credit reporting or other personal consumer reports

Information reported from 3 credit bureaus is inaccurate which should result in removal