23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have had a mortgage for a little over two years since XX/XX/2016. my loan servicer is US Bank and recently because of increased bills and credit cards out of control and my wife has no income. I have asked US bank to start Loan Mitigation to help me in payments on the loan. in this process I have been in contact with them and completed all paperwork. the problem is that even though I am in the process they continue to call me form there collections dept. sometimes 3-4 times a day and leave me messages about contacting them for payments. I have asked repeatedly for them to calling me as I know that I owe them payment but it continues. it is amounting to harassment and I have asked them to limit the calls, which they say all I can do is ask for Cease and desist contact which I don't think would be wise. I would just like them to process my application and stop harassing me for the payments as I am doing the best I can with my situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the 611 - 15 U.S.C. 1681i 59 disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. ( B ) Extension of period to reinvestigate. Except as provided in subparagraph ( c ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation. ( C ) Limitations on extension of period to reinvestigate. Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified. ( 2 ) Prompt Notice of Dispute to Furnisher of Information ( A ) In general. Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. ( B ) Provision of other information. The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ). 

I have disputed this account on multiple occasions, as recently as XX/XX/. The information on the account is not mine. I have requested a copy of the contract with the wet signature and proof of my identification that should have been provided. I have not received this information or any response. XXXX XXXX XXXX XXXX XXXX does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a dispute on XX/XX/XXXX and XX/XX/XXXX and I received a correspondence back from Transunion that my information was not acceptable. Well, I sent in a copy of my drivers license, social security card and my cable bill which is proof of residence. This is a stall tactic to buy more time and this is past the 45 days which was from my first dispute.
Product: Credit card or prepaid card

I have a line of credit/credit in the amount of {$1000.00} from Grain XXXX XXXX The only way to make payment to Grain is via their app. No website, phone or mail options. On XX/XX/XXXX I attempted to login and make payment. However the app required me to verify my identity by uploading a copy of my social security card. I uploaded a copy of my social security card on XX/XX/XXXX and the informed that it may take up to 5 business days to complete the verification process. After 5 business days with no response and still not being able to login to make payment, I emailed the Grain Support Team on XX/XX/XXXX after waiting patiently. An automated message replys that they apologize for the delay and will have someone get back with me. Still no resolution and assistance, I direct message Grain on XXXX. They respond immediately and again apologize and have XXXX email me on XX/XX/XXXX. XXXX suggest that I uninstall and reinstall the app. I did that several times and could not login. He asks for my operating system ( XXXX ) and says that XXXX get back with me. After not getting a responds within 3 days, I follow up via XXXX and email reply to XXXX. He replys with the same suggestion which I explained in detail to him with screenshots verifying I couldnt login. I then receive a credit monitoring alert that Grain reported me 30 days past due which is detrimental. I follow up on XX/XX/XXXX via XXXX with the same message sent to XXXX. They only respond with, we apologize, well have some follow up. I uninstall and reinstall the app on my own to try and resolve the issue and the XXXX XXXX XXXX says that the Grain XXXX app doesnt exist. I have emails and screenshots of all conversations and from the XXXX store if needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I pay my mortgage to Chase via XXXX. I accidently entered the wrong XXXX XXXX XXXX XXXX XXXX XXXX did not contact me, but my payment was returned to them due to the wrong address. Chase sent me a late payment and we ( XXXX ) uncovered what happened. I immediately paid my XXXX mortgage payment. Chase reported me to the credit bureau. I 've had my home for almost 20 years and have never been late. I 'm asking Chase to expunge this from my record based on my good-faith statement. They refuse. I think this is unfair, not consumer friendly, and a severe repercussions for a simply typing error. I have all the records on XXXX and can provide to you at any time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice To Intent Experian, Who gather, analyze and process data in ways others cant. We help individuals take financial control and access financial services, businesses make smarter decision and thrive, lenders lend more responsibly, and organizations prevent identity fraud and crime. Who empower consumers and clients to manage their data with confidence so they can maximize every opportunity. Experian who also collects personal information from XXXX XXXX XXXX XXXX XXXX XXXX ( " XXXX '' ) is a provider of bankruptcy information to Experian. In my case my Bankruptcy was obtained unethically because, I was an Uninformed Consumer during this Transaction and you have defamed my character and has affected my Livelihood. You stated that you obtained my bankruptcy from XXXX XXXX however, XXXX XXXX has removed the bankruptcy due to FCRA Laws not being followed. Please see Supporting Documents.
Product: Vehicle loan or lease

Heres the corrected version of your text, with improved grammar, clarity, and flow : The event occurred during the second week of XX/XX/year>. I remember the vehicle was initially towed due to judgment tickets. After recovering the vehicle from the impound for the judgment tickets, I was approximately 8991 days past due on the lease. Within a week of retrieving the vehicle, it was repossessed that evening. 

After the repossession, I contacted Infiniti Financial Services to explore my options for recovering the vehicle. Over the following weeks, I communicated with several customer service representatives, providing updates on my situation and discussing payment options. It wasnt until later in XX/XX/year> that I spoke to one representative and informed him I would be following up with a payment I was planning to send to Infiniti. 

After sending the payment, I reached out to them the following Monday. During that conversation, one representative informed me that I was still behind on the past-due amount. I explained to him that the payment I had sent the previous week covered the full amount required to recover the vehicle. However, after going back and forth with the representative, I requested to speak with a supervisor. 

I spoke with the supervisor for at least two hours as she reviewed the account notes. After thoroughly reviewing everything, she told me that I should have been able to recover the vehicle with the payment I had sent the prior week. I explained to her that the representative I spoke to earlier had not communicated this to me and had instead told me that I needed to send an additional payment. He also stated that the vehicle was scheduled to be auctioned off by a certain date. 

Hearing my frustration, the supervisor asked me to hold while she consulted her higher-ups to see if there was any way to release the vehicle. After waiting for 2030 minutes, she returned with unfortunate news. She explained that the vehicle had already been moved to the auction site, and although I was technically eligible to recover it, there was nothing further she or her superiors could do at that point. 

When I heard this news, it felt like being punched in the stomach and chest. I lost my sense of reality and was overwhelmed with emotions. This experience led me into a deep XXXX, affecting my employment, self-confidence, and overall sense of self for several months. Shortly afterward, the XXXX pandemic struck, pushing me further into a downward spiral.
Product: Bank account or service

My bank is small and only in Michigan. I was out of town for 3 weeks and needed to make a deposit via an app in order to avoid an overdraft fee. First Merit Bank does not allow overdrawn accounts to use any online/app features. So I was unable to make the deposit necessary to avoid the overdraft fees. They also would not close or suspend my account ( because it was overdrawn ) to avoid the overdraft fees. So XXXX {$35.00} overdraft fees were charged for being {$0.00} overdrawn with no means available to me to make a deposit while out of state, or stop further overdraft fees from being added. First Merit asserts that I must pay these fees or have them negatively affect my credit rating. This is the definition of criminal activity.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX  XXXX XX/XX/XXXX -- {$0.00} XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am writing to file a formal complaint against Transunion regarding their failure to delete a disputed debt from my credit report. The debt in question stems from identity theft, and despite my repeated attempts to dispute its validity, XXXX has failed to take appropriate action. 

According to the Fair Debt Collection Practices Act ( FDCPA ), it is illegal for a debt to be sold or transferred without the debtor 's consent. As this debt is a result of identity theft, it is imperative that TransUnion follows the necessary procedures outlined in the FDCPA to rectify this issue promptly. 

I have provided all necessary documentation and evidence to support my claim of identity theft, yet Transunion has neglected to uphold their obligations under the law. If the correct actions are not taken this time to rectify the situation and delete the disputed debt from my credit report, I will have no choice but to pursue litigation to ensure my rights are upheld and the matter is resolved appropriately. 

I urge the Consumer Financial Protection Bureau ( CFPB ) to investigate this matter thoroughly and take appropriate action against Transunion for their failure to comply with the FDCPA. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting

Transition has an address on my credit report in XXXX Missouri. I have never lived there. I do n't know if this will make a difference, but should be corrected. Thank you.
Product: Credit card or prepaid card

I've filed a dispute with Target/TD Bank credit card company where I have been XXXX  in the Oklahoma department of XXXX since XX/XX/2017 serving a XXXX XXXX XXXX  in the Oklahoma department of  XXXX XXXX Where I am XXXX at the XXXX XXXX XXXX XXXXr at XXXX XXXX XXXX XXXX, OK XXXX and my DOC number is XXXX. I looked on my credit report, I seen an account from Target credit card that I had not opened nor giving anyone permission to use my name to do so. I've sent this company a copy of my consolidated record card which shows my start date, how long I've been in XXXX, with a copy of my DOC XXXX Identification with my Social security card. Which could've all been verified by the Department of XXXX had this company did a proper investigation into this matter. Where they failed to respond to me in writing. And for these reasons if I have been XXXX for the past XXXX XXXX when this account was opened in my name I was in the Oklahoma department of XXXX at the same address of XXXX XXXX XXXX XXXX OK XXXX for the past XXXX XXXX where no credit card was ever Sent to me at my apddress at a XXXX XXXX this is facts that would've have shown that someone is using my personal information, was the whole reason I'm complaining about this account. Where I was a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several times 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. Items : 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 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: Mortgage

We've been struggling since covid. I'm XXXX XXXX and could not work due to non-essential business status. 
XXXX XXXX is our Mortgage Company. 
I've called our relationship manager [ XXXX XXXX ] many time during our inability to pay. Each time he's unavailable and does not call back until finally I asked for a supervisor. she was unavailable and took 4 days to call me back. then finally a day or 2 later XXXX XXXX called. 

On XX/XX/XXXX I was sent loan modification document to fill out. I was not provided a location or email to return to application so I sent it back to the email address it came from on XX/XX/XXXX. 

During a followup call on XX/XX/XXXX I was told that the document wasn't received. I resent it to the email the representative provided on XX/XX/year>. When I was sent the loan modification nobody said anything about the paperwork had to be in at least 37 days before the sale date or provided the email to send the completed document. 

Its my understanding the Mortgage company has 5 days to respond to the application. 
To date they have not responded to any of our loan modification requests. 

I feel that they are trying to force us out as they have not been any assistance at all.
Product: Debt collection

On XX/XX/23, I received an email from XXXX XXXX XXXX ( XXXX ) stating they are a debt collector and are trying to collect on my debt for my Victoria 's Secret credit card issued by Comenity Bank. On XX/XX/23 my account was sold to XXXX. On XX/XX/23, I called Victoria 's Secret 's Comenity Bank and was redirected to the fraud department and was told there was six charges from XXXX. I was told that the person made purchases at the XXXX XXXX XXXX in XXXX XXXX, CA and in XXXX, CA. The person requested a credit increase, added an authorized user, changed my phone numbers and changed my address. Comenity Bank would not give me the name of the authorized user, new phone numbers or address. I never received any statements, phone calls, or emails from Victoria 's Secret 's Comenity Bank. They did not contact me prior to this account being sold to XXXX  even though my email address was not changed and that is how XXXX contacted me. Prior to these charges, I had a XXXX balance on the credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian 's client, XXXX XXXX XXXX XXXX ( XXXX ) loan was fraudulent due to XXXX. From the beginning XXXX was unlawful because they accessed my credit report without valid permissible permissible. XXXX based their permissible permission upon attached incomplete and undated application that even states incomplete applications would not be processed. But XXXX went forward with the fraudulent loan. I filed attached sheriff 's report but XXXX would rather deny and try to extort some payment from me as seen in attached settlement letter. Experian doesn't regulate and protect my information but just passes the buck on XXXX. Shame on XXXX and Experian.
Product: Debt collection

My student loans where discharge due to XXXX and they are still appearing on my credit file
Product: Credit reporting, credit repair services, or other personal consumer reports

AppFolio XX/XX/2021 Credit score provided to Landlord is significantly different than the actual score reported by XXXX. AppFolio uses XXXX to provide landlords with report scores. This situation will hurt the needs of Americans trying to secure housing. Unfortunately, companies like AppFolio are charging fees to provide inaccurate information to landlord.
Product: Credit card

I remitted payment to this company a year ago by mail. I sent certified mail to the address listed. that mailing correspondence was returned but not to me or the return address on the envelope. those documents bear my restricted signature and legal tender for the credit of this account. if they do not accept for deposit my legal tender or return it back then they are in violation. they are reporting on my credit profile information that I have disputed with them overhear ago, to which they have not marked this account under dispute during that time period which still continues.
Product: Credit reporting or other personal consumer reports

XXXX is a creditor I have never taken a loan out with. I filed a complaint about a year ago and no resolution was solved. 
XXXX, XXXX, XXXX, XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX All three parties were not involved in the process and things with the loan. Principal Debtor, Implied Surety, and creditor. My next step is to submit a Notice of exoneration, Bill of equity.
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 violates the customer financial protection act ( cops ) specifically cash app failed to take timely and effective measures to prevent and address fraud on there platform.Leaving my account vulnerable and unprotected. Furthermore, there are dispute 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 acts have caused significant inconvenience and financial loss and I see appropriate redress for these violations
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had several late payments on an account that I have never been late on. Consumer Reporting Agencies have taken on a vital role and have a responsibility to report on consumers to the best of their ability with Maximum Accuracy. I have never been late on payments on the account : XXXX : NUMBER XXXX Date : Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided, I demand that these payments be brought up to date on time as they should be as I have NEVER been late. Thank you.
Product: Mortgage

To Whom It May Concern : Hello Dear CFPB Staff, I would like to follow up with you in regards to the SLS Mortgage Company adding a foreclosure fee to my monthly mortgage statement calling it a Corporate Advance Fee of {$110.00} applied to my mortgage statement on XXXX 2020, while my mortgage loan account was in forbearance due to COVID-19 and there was NOT suppose to be any type of fees during this time to be charged to my account as it was a temporary relief for a limited period of time. I was clearly told by SLS mortgage company staff while your account is in forbearance there will NOT be any kind of fees applied to your account. Please help me resolve this matter of removing the fee of {$110.00} from my SLS mortgage loan account asap. 

I attached/uploaded the recent mortgage statement as reference for your review. Please feel free to reach me, if you have any further questions at the contact number below. 

Sincerely, XXXX XXXX XXXX  : XXXX
Product: Mortgage

After my wife 's bankruptcy,  XXXX    XXXX   converted this to a consumer loan and then transferred it to  LCS Financi  al.  Under Florida bankruptcy law, the lien should have been removed.
Product: Checking or savings account

You closed my complaint # XXXX but it has not been corrected by Ally. In fact it has gotten even worse. 

Ally called yesterday with a request for yet another form. They say there paperwork is incorrect. I now believe this is intentional delay as retribution for my complaint.
Product: Credit card

They wont send me a working card. The one we got after last time I filled worked for a couple months then they stopped it. 
Ive never missed a payment They want to play games and keep me on the phone for hours at a time. On the account ( XXXX ) We agreed on 5 months of fees removed then 6 months. All other fees waved and a payment of XXXX to be made and the account would be closed. 

They wont hold up there end and keep messing with me. 

On my other account they also wont send me a working card ( XXXX )