23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I closed on my house in XX/XX/year> my service provider was SERVICEMAC, i have made XXXX payments with amount of XXXX $ and XXXX $ principle Only which totals of XXXX $ and my next DUE date was on XX/XX/year> and i do have statement From SERVICEMAC which describes exactly what i have paid and when is my next due date! 
i recieved a letter from Servicemac stating that my New mortgage company will be XXXX  mortgage starting XX/XX/year>, and they will not accept any payments made after XX/XX/XXXX. ( my last payment was on XX/XX/XXXX to servicemac ) so upon recieving my statement from my new mortgage servicer which is XXXX  the statement shows i still owe them full amount of the mortgage and there was no payments transferred to them and My new Due date is XXXX first and i am already late on my payment BTW ( IM RECIEVING THIS INFORMATION ON XX/XX/XXXX ) in Mail. I Have called 5 times to my former service provider explaining the issue that my payments are missing with the new service provider and they have transfer the fund to them so they can apply to my loan and they are keep saying they have already transferred the fund to shellpoint, and i have called over 6 times XXXX mortgage company and spoke to XXXX Different supervisor and they all saying there is NO PAYMENTS TRANSFERRED TO THEM AND I AM ALREADY PAST DUE ON MY PAYMENT! 

at the end of the day i have been on phone calls for the last XXXX days going back and forth, And my XXXX $ IS missing in between the transfered which has nothing to do with me and NOBODY IS TAKING RESPONSIBILITY THEY KEEP BLAMING THE OTHER COMPANY
Product: Checking or savings account

Navy Federal Credit Union has been taking lots of overdraft fees and return check fees.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

this account is XXXX XXXX year old and i think the statue of limitation has expire
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is the medical company stating I owe them but they closed during the pandemic. There was no phone number, email, social media account or way to contact them. I was on a payment plan and could not get an updated bill. I have reported them with the XXXX ( if you look you can see so have many other people ) and event at the state level in Texas where it was located. XX/XX/XXXX XXXX XXXX XXXX XXXX sent me a collection bill. Within days I sent a dispute letter certified mail. I then saw on my credit report had a collection listed for XXXX from XX/XX/XXXX. So they had reported me to the credit bureau before validating the debt within but it is under a different company called Elevate Recovery XXXX LLC which I have not received communication from before. XXXX did not respond within 30 days to my letter. XXXX just now ( XX/XX/XXXX ) sent me the first correspondence not addressing my letter but a bill statement amount different than the credit reporting amount.
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 ( CFPA ). Specifically, Cash app failed to make 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 electricity fraud transfer act ( EFTA ) and regulation E. These actions have cause significant inconvenience and financial loss and i seek appropriate redress for these violations.
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have about 20 student loans that are reporting on my credit report. These loans definitely belong to someone else. I am not currently in school and I do not have any unpaid student loans. Therefore these accounts should not be reporting to my credit bureau. I sent an original dispute which removed these errors from 2 of my credit bureaus, but it still is visible in one of them. These should be removed from credit report ; they do not belong to me.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXXXXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX : {$1100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$730.00} XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

PlusFour, Inc.   XXXX   XXXX   XXXX   XXXX  , #  XXXX ,  XXXX , NV   XXXX   sent me a notice on   XXXX   XXXX   XXXX   stating that I can dispute their charge of {$72.00} within 30 days of receiving their notice. I disputed this charge in my letter of   XXXX   XXXX   XXXX  . See my attached letter of   XXXX   XXXX   XXXX  . I had not heard from them but found that they reported non payment of this account to the   XXXX   credit agencies ( e.g.  XXXX  ), thereby affecting my credit rating. So I sent them a letter on   XXXX   XXXX   XXXX   ( attached ) asking that they reverse the nonpayment to the credit agencies and that I would remedy this charge. I never heard from them and it is now   XXXX   XXXX   XXXX   and their notice to the credit agencies still persist. Account #  XXXX
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : " Incorrect Address - XXXX XXXX XXXX XXXX XXXX, NC, XXXX Incorrect Address - XXXX XXXX XXXX XXXX, XXXX, WI, XXXX EMPLOYER - XXXX XXXX XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is an account that was removed from my credit report years ago due to fraud. On XX/XX/2019, the company rereported it to the credit bureaus. This is an illegal practice in accordance with the Fair Credit Reporting Act 611 Paragraph B. This outlines the requirements for reinsertion of deleted material. In order to reinsert the following must have taken place : ( i ) Certification of accuracy of information. - The information was proven to be inaccurate years ago through the appropriate steps per the credit reporting agency, therefore it was deleted. Once deleted, the consumer reporting agency had the legal obligation to inform me in writing that not later than 5 business days after the reinsertion. In addition to notification, I should have received a statement, the business name, address, and telephone number of the furnisher of the information that contacted the credit reporting agency to provide the information. 
The Fair Credit Reporting Act also outlines that the credit agency should have procedures in place to prevent the reappearance of deleted accounts. Specifically the Act reads : A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumers file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph.

As this account was legitimately deleted years ago, and the credit reporting agency in in direct violation of my rights per Section 611 of the FCRA, please delete this account from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint is against my current mortgage holder Mr. Cooper, a division of Nationstar Mortgage. On XXXX XX/XX/2023 I purchased a vehicle and financed a portion of vehicle price with a local credit union. Two days later I received multiple texts and emails from Mr. Cooper stating they saw another financial institution inquiry on my credit and want to know if Im working to refinance my house using another financial institution. The next day I received a few more text/emails offering to match whatever rates I get from the other institution. I communicated with Mr. Cooper customer rep via chat and explained that we are not on the market to refinance or do any other mortgage changes. My concern is I discovered Mr. Cooper is monitoring my credit without my consent, maybe allowed under FCRA but not sure? Second, they are using this information to gain unfair advantage over their competitors. Third, I was clear about my desire for these daily email/texts, and now calls, to stop but Im still receiving them non-stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a dispute to Experian on XX/XX/XXXX requesting an investigation and removal of a charged-off Capital One Account ending in XXXX, I have yet the results. Experian has failed to comply with the FRCA 30 day requirements and as such I request the account be removed immediately from my tradeline.
Product: Credit reporting or other personal consumer reports

Since XX/XX/XXXX, I have trying to get all three credit reporting bureaus, Equifax, XXXX, and XXXX to add my XXXX XXXX account from XXXX account # ending in XXXX to my credit. Ive had this account for 7 years it still active and it has not been added to ANY of the accounts. XX/XX/XXXX called XXXX gave them my social again to report to all three Bureaus and they sent it over several times and Equifax nor XXXX nor XXXX added my account. XX/XX/XXXX called spoke with XXXX credit bureau XXXX unit at XXXX they will send credit report and gets on credit report 5 business days after but it was never added XX/XX/XXXX called Equifax added a consumer statement to add XXXX stated it is my account confirmation # XXXX I added a consumer statement on Equifax confirmation # XXXX XX/XX/XXXX again For same reason with XXXX account ending XXXX XX/XX/XXXX credit Bureau XXXX XXXX XXXX with XXXX They reported it on the XX/XX/XXXX. She re-reported today XX/XX/XXXX as an XXXX  Update sending over what data is today as of XXXX XXXX XXXXXX/XX/XXXX It should take 3-5 business days Friday/Monday of Next week to be added to Reporting Agencies XXXX Equifax and XXXX It was NEVER added Call all three Bureaus Again to make sure there is a consumer note XX/XX/XXXX called XXXX sent a consumer note called XXXX department priority escalations added Consumer Statement. Called Equifax updated consumer statement confirmation number # XXXX XXXX to follow up with statement to add these to my Credit it was never added to any of my cresit accounts. XXXX account ending # XXXX is my credit card account and it is active and it SHOULD be on my credit on XXXX, Equifax and XXXX and it is NOT
Product: Money transfer, virtual currency, or money service

I transferred over money from one of my banks to Citi bank. It didnt seem to go through, so I tried again. A couple days later Citi bank showed that I tried to transfer the same amount of money twice. They took the first money transfer out of my account and have been with holding it from me for about 3 weeks now. They say I have to wait for a code in the mail but I still havent received it after almost 3 weeks are and not willing to give me my money back or even talk to me about what we can do about this situation with out me giving them a code the supposedly sent me in the mail but I have never received. They did sent me my bank card and bank card pin to the same address and I received them but never the piece of mail with a code Citi banks fraud department keeps referring to when Im trying to get them to release my funds.
Product: Checking or savings account

I have two debit cards with Wells Fargo ; one of the cards is a XXXX XXXX XXXX account and the other is personal account. My personal card got declined while I was trying to make a purchase of {$600.00}. I called Wells Fargo and they said it got declined because it was over my daily limit of {$500.00}. I requested a raise in my daily spending limits, as I do frequently make purchases on my personal card for over {$500.00}. They said with my account that I couldn't get an increase, but that I could use my XXXX XXXX account because it had a {$3000.00} limit. I then asked them how I could go about getting my limits raised in the future, and they told me there is this department that periodically selects accounts that can be converted to an account where my limit can be increased upon my request. I asked them what the qualifications were to get converted to this other account, and they said there were no qualifications and that they randomly select accounts. Hearing this I was appalled and felt like I was being discriminated against, so I proceeded to file a discrimination dispute with Wells Fargo. The next week I get an email saying this Wells Fargo guy was looking into my case. Another week later I get a call from this XXXX, hotshot " Executive '' saying yes we are discriminating against you and other members of our bank, but there is nothing I can do about it and you are screwed. The guy was a real piece of work, and his name was XXXX XXXX.
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2023, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, '' all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of client losses to gains. 
Money was transferred from my account via debit card, and through an intermediary named XXXX in the total amount of XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I am writing to formally dispute the handling of my personal information in connection with the XXXX XXXX data breach, which affected approximately XXXX XXXX consumers. This breach, as acknowledged in the XX/XX/XXXX settlement between XXXX, the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and XXXX states, violated consumer protections under 15 U.S.C. 1681 and resulted in significant harm to affected individuals, including myself. 

The settlement explicitly found that XXXX engaged in unfair and deceptive practices, and I believe my personal data was compromised due to your failure to safeguard sensitive information. As a consumer, I am exercising my rights under the Fair Credit Reporting Act to request the following : Verification and Resolution : Investigate whether my information was impacted and provide immediate resolution for any inaccuracies or unauthorized activity in my credit file.

Mitigation Support : Outline the steps you are taking to address the breach 's ongoing consequences and confirm my eligibility for relief under the settlement terms. 
Detailed Report : Provide a detailed report of the breach 's impact on my personal data and actions taken to mitigate further risks. 
Please confirm receipt of this letter and provide a written response within the 30-day timeframe required by law. Failure to adequately address this dispute may result in further legal action to protect my rights.
Product: Checking or savings account

On Thursday XXXX of XXXX I attempted to use my Betterment Debit Card, associated with my checking account.

The transaction was denied, 'please contact your bank '. ( this is the 2nd time this summer they they have frozen my card, without even a polite phone call to make sure it did not put me in a bind, like trying to buy fuel ) When I contacted them the next morning, customer service line, they informed me that they were 'suspicious ' deposits from XXXX and would I please tell them what they were about. I explained that my father was sending me money for a home improvement project through XXXX from his bank. They indicated they would 'pass it along ' and please allow 3-5 business days to get resolution.

I explained to them that 3-5 days was a bit of a burden as this was my only checking account. That did not matter. On Monday the XXXX I called to get an update on my account being 'unfrozen ' and when customer service was unable to help me in any way I asked to 'escalate ' to a supervisor. I was told that wasn't the way it worked. They would 'email ' their supervisor and they would be in touch ( literally this is a quote ) 'when they have time ' or when they can. Something very close to that. 
The call was recorded for quality so they know exactly what was said. 
I called the next day requesting an update so I could access my account. Nothing. 
I called on Wednesday the XXXX asking why no one could simply call me and tell me what was going on and why my account was still frozen. 
Customer services is very limited to what they can do. I told the representative that I was going to call back every two hours until I heard from someone. On Wednesday, XX/XX/2021 at XXXX XXXX  I received an email stating that they were closing my account and not to bother customer service any more, to ONLY communicate through this email thread. So they closed my account pursuant to something and then with out asking me transferred the balance, of just over {$1000.00} to a closed checking account that I no longer had access to. ( It was the initial funding account when I opened my Betterment account, but had been closed XX/XX/XXXX -XXXX  was being purchased by XXXX and I had opted out of the transition and asked XXXX XXXX close my account ). 
That weekend XXXX of XXXX was when the XXXX merger was taking place so there was no one to answer my questions until the next Tuesday the XXXX when XXXX confirmed that I had not had a checking account migrated to them and there was no money waiting for me from Betterment.

I relayed this to Betterment, through the requested Email Thread that day. I have not received ANY communication from they since then. I have emailed them daily with a polite request for an update on when and how they will be getting me my $ XXXX back to me ( I honestly don't know exactly how much. When they closed the account it went to {$0.00} ) I am completely flummoxed by two things ; their lack of communication and any attempt at. Transparency. As of today at XXXX Pacific I have not heard Anything from Betterment. Attached is the email thread.
Product: Debt collection

Caine & Weiner has willfully violated me as a consumer. I did not receive a notice to dispute this alleged debt prior to them furnishing the amount on my consumer report. Our initial communication was deceptive as they did not give me the opportunity to validate or dispute this debt. They enforced payment on several occasions. They were instructed to cease communication before and have still attempted to coerce payment of this alleged amount of {$310.00}.
Product: Credit reporting or other personal consumer reports

Account XXXX : XXXX The business is reporting erroneous information to the major credit reporting repositories. From the attached, the business is reporting the following remark : " Affected by natural disaster ''. I have never reported to the business that I have been affected by a natural disaster. The only thing the business had to assist with was locating a missing check payment of {$2100.00} that was sent on XX/XX/scrub> 2024. 

Therefore, upon receipt of this complaint, please remove this erroneous information from all major credit reporting repositories.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on WF CRD SVC. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Checking or savings account

I bank with chime.my check was deposited this morning I called to stop payment and the company on the internet that I called is posing as chime and took the remaining of my funds out my account but this company shows that it is chime! So I feel this is chime issue for not knowing someone is doing this.