23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am the seller. The buyer is a XXXX veteran, who contracted to buy our home. 
XXXX chose to use Chase Bank for the VA loan. XXXX has been getting pushed around by Chase repeatedly being asked for multiple documents a few days before closing. 


Here is the situation : Seller accepted a position in another state in XXXX. The condition of employment was to obtain full residency. House was contracted to buyer in early XXXX with a closing date of XXXX. 

New employer flew seller back Thursday, XXXX to complete the closing and to be present on site for the movers that were assigned to move XXXX 's family belongings. 

Seller 's realtor attempted to contact the loan XXXX, XXXX XXXX several times to get confirmation of the closing. XXXX finally received communication on Friday afternoon, XXXX. XXXX business days before scheduled closing. Chase loan XXXX provided no information as to why. 


Detrimental Repercussions : Documents were signed off with the movers ( XXXX XXXX XXXX ) with an estimated delivery date of XXXX to sellers new home in Arizona, which was scheduled to close XXXX Due to last minute of change : o The contract with new home is hanging by a thread and could potentially kill the deal. 
Sellers will not have a place to live, which will cost seller hotel fees until such time we are able to find a place to rent Moving company, XXXX XXXX XXXX is quoting us an estimated cost of {$3700.00} for storage which my employer will not pay Seller will lose our money paid out for inspections Seller loss of XXXX loan application fee and XXXX have to start from beginning Requested Chase to help and escalate. XXXX will not respond to any calls or emails. Loan XXXX will not speak to anyone. 

Resolution we are requesting : XXXX at the end of XXXX week or very early week of XXXX OR XXXX and reimburse us for fees due to XXXX not communicating and not completing on time
Product: Debt collection

To whom it may concern RE : KEYBRIDGE MEDICAL REVIEW MGT XXXX This is the 3rd time a 3rd party debt collection such as yourself ( XXXX XXXX XXXX XXXX ) has attempted to collect on this account that was never verified under OHIO LAW 1319.12 ORC Taking assignment of Debt. ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : ( 1 ) The assignment was voluntary, properly executed, and acknowledged by the person transferring title to the collection agency. ( 2 ) The collection agency did not require the assignment as a condition to listing the account, bill, or other evidence of indebtedness with the collection agency for collection. ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors.
Product: Credit card or prepaid card

On XXXX XXXX, XXXX an amount of {$3400.00} was refunded from a purchase back to my Barclays XXXX MasterCard. I called on XX/XX/XXXX and spoke to a rep at Barclays XXXX MasterCard, they said a paper check would be issued in the amount of XXXX to me by mail. Two weeks later i called Barclays XXXX MasterCard, i let them know i had not received any checks, they said the mail had delays or i probably threw it away. They would send another check. On or around XX/XX/XXXX i received a check from Barclays XXXX MasterCard for {$2800.00} less the original amount i was promised to be refunded ( this is my money ), this check was returned by my bank with a {$12.00} fee to me. It is XX/XX/XXXX, Barclays XXXX MasterCard keeps wanting to send a check with a different amount, now they want to send {$2700.00}? 

What is going on, Barclays XXXX MasterCard is a bank. Do they have any fidicuary responsibilty to their customers?
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Absolute Resolutions Investments , LLC for reporting inaccurate and unauthorized information on my credit report. This company has obtained my personal information from a debt collector who previously wrote off the alleged debt, and they are now attempting to collect or report it without legal basis. 

The original creditor XXXX XXXX XXXX XXXX previously charged off the debt, and according to the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), this debt should not have been resold or re-reported without my authorization. 

Additionally, under 15 U.S. Code 1681s-2, companies furnishing information to consumer reporting agencies must ensure that the data is accurate and up to date.

This third-party company is illegally furnishing and reporting false information that is negatively affecting my creditworthiness.
Product: Credit reporting or other personal consumer reports

Hello I have now been dealing with this going on 8 years when someone stole my idenity. And I have spoken with many representatives regarding this debt. As this account is now hitting its XXXX year mark and still being reported on my credit report. This account is not mines as I been stating the whole time I have never lived at this address nor do I have any knowledge of this account. Im asking for immediate removal as this has caused me alot of financial hardships. Im requesting immediate removal or I will find a consumer law in the next 30 days regarding this matter. As I have not been able to get a place. Also on each bureau they are reporting different last XXXX of socials, different open and closed dates im just frustrated with this as I will attach a copy when requested. It multiple accounts that have been listed as I will provide attachment.
Product: Credit reporting, credit repair services, or other personal consumer reports

!!! Hello, My name is ***XXXX XXXX* . I have been trying to reach out several times to get my problem fixed and receipted no responses so far. There are some of wrong adresses and employment information that exist in my credit account for years. In addition to that there are also some derogatory information appear in my credit report that not belong to me or our business. Here are the addresses and employment information that need to be removed : ****************************************** _EMPLOYMENT INFO! PRIORITY EXPEDITE! XXXX XXXX +++++++++++++++++++++++++ _ADDRESSES REPORTED! XXXX XXXX XXXX XXXX, AR XXXX! XXXX XXXX XXXX XXXX XXXX, AR XXXX
Product: Checking or savings account

My cashapp checking account info was changed and I have not been able to log in. I contacted my employer to see if they could stop the paycheck from being sent to the account I no longer have access to & they told me I would need to contact the bank. When I contacted the bank, the lady I spoke with stated that even though I do not have access to the check that they would not be able to reject the check, meaning whoever has access to the account, will have access to the check when it is deposited. They let me know they appreciate my efforts and will list it as a concern but that there wasnt a way to send the check back to my employer.
Product: Credit reporting or other personal consumer reports

To my surprise, I discovered this morning that inaccurate accounts have appeared on my credit report, and I have no idea why. I check my report regularly, and everything was fine until now. I even tried refreshing my browser, thinking it might be a technical error, but the incorrect accounts remained. Because of this, I'm asking for a thorough review of the documents I've sent so I can have peace of mind.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc . ) due to inadequate customer service and unfair practices, which violate the customer 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 fraud 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

To Whom it May Concern XX/XX/XXXXEquifax, XXXX. XXXX XXXX, XXXX, Georgia XXXX am requesting with this written notice that the following inaccurate items be removed from my credit report. The items are not correct and are causing me financial distress because of their derogatory information. The items are as follows : Name issue : XXXX XXXX ; XXXX XXXX XXXX THOSE NAME WAS NEVER MY NAME OR ANY FORMER NAME My correct name is XXXX XXXX DOB XX/XX/XXXX SS NUMBER XXXX
Product: Debt collection

I disputed a collection account that is still showing as an " open account '' ithis s account was discharged in my bankruptcy XX/XX/2015. I called the collection co. in question after viewing my XXXX credit report. i was told by the collection co. rep " XXXX '' that the account is being reported correctly. spoke to attorney XXXX and was told they have to update and report the account correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, NC XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX  XXXX XXXX : {$0.00}, XXXX XXXX Original Creditor : XXXX ) XXXX Balance : {$530.00}, XXXX XXXX  XXXX XXXX XXXX XXXX {$0.00}, XXXX ( Original Creditor : XXXX XXXX XXXX Balance : {$160.00}, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Debt collection

Halsted Financial is trying to not only collect a debt that I do not owe, they're contacting my family members about it as well. This is a clear violation of the CFPB 's policies as I am not a minor and a violation of my family 's privacy as well as mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has violated my Federally Protected rights under the FCRA. I have tried everything to rectify this issue and you failed have negligently and willfully failed to comply. So I am not disputing or no longer asking for substantial credible proof that you failed to provide, but I am now putting you on Notice to Cease and Desist Communication from me within 30 days including the removal of the accounts in the attachment. Failing to comply will result in Legal Matters in Federal Court. Not only has my livelihood been affected but my children as well. These injuries has caused me huge damages including mental anguish, and mental distress. My consumer report is suppose to be equitable and fair to me according to the FCRA and it has not been it has been used with Extortionate means for you to benefit from it. I never received disclosures from you according to the Gramm Leach Bliley Act, which is also a violation.
Product: Mortgage

I made a payment toward my principal and it was reversed and I was told it would be fixed in a couple days. I paid {$1000.00} toward my principal on XX/XX/year>. I was told the website thought it was my monthly payment so it reversed it and still hasn't put it back in. Their website has issues that needs to be fixed. If the {$1000.00} had gone in like it was supposed to, more of my payment this month would have gone toward my principal. So now, on XX/XX/year>, I'm told it will take another couple days to go in. The guy I spoke with said when he tried to put it back in that it wouldn't go back in. It has already been taken out of my bank account so where is this money??? How is it that a company worth so much money doesn't have IT personal that customers can talk with to fix ALL of these ISSUES that keep happening???? It also usually says I can't pay toward my principal from the first through the tenth, yet my payment is due on the first through a direct deposit through my bank.
Product: Credit reporting or other personal consumer reports

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX made an inquiry on my personal credit report that had an adverse effect on My credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX  # XXXX has violated my rights XXXXXXXX XXXX # XXXX has violated my rights XXXX  XXXX bankruptcy discharged has violated my rights XXXX XXXX  XXXX has violated my rights XXXX XXXX  # XXXX has violated my rights 15 USC 1681 Sections 602 A States I have the rights to privacy 15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without written consent.
Product: Credit reporting or other personal consumer reports

Both TransUnion and XXXX show my bankruptcy accounts with XXXX, XXXX, and XXXX  day delinquencies/past due accounts. This is false information. The credit companies are not reporting this, but they are reflecting in on my report as such. Status shows as never late but in my overall report it shows I have at least XXXX accounts that are currently delinquent/past due. This is inaccurate reporting and is causing me to not be able to get home owner 's insurance, a new mortgage loan, etc - even though my credit score is not poor.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report I have 5 XXXX XXXX accounts listed. I have tried to rectify this situation with the lender several times. Recently, I went to court at the XXXX XXXX County Court house where the Judge has dismissed Navient 's collection efforts. I have tried numerous times to have this removed from my credit report and have not received any feedback from Navient. These loans do not belong to me and I was able to prove this in court some months ago. Once again I am asking for this negative information to removed. I have never signed any documents for these loans with Navient or any other student loan company. Please review the attached documents and please provide any and all information that would substantiate any of this being reported on my credit report. Even if these loans were mine, judging by the information on the credit report the statute of limitations has been surpassed and ask that all this negative information be removed immediately. XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX
Product: Vehicle loan or lease

On XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX has stolen my vehicle from my address XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. After doing research for my vehicle XXXXXXXX XXXX XXXX has forfeited there license to do busy in the state of Maryland see Attached Exhibits. In accordance to 15 USC 1692f ( 6 ) XXXX XXXX XXXX has violated my rights by threatening me and repossessing my vehicle.

15 USC 1692 ( f ) UNFAIR PRACTICES Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; ( B ) there is no present intention to take possession of the property ; or ( C ) the property is exempt by law from such dispossession or disablement.
Product: Credit card

In 2023, I applied for a credit card to see how much I would be approved for a balance transfer. They asked me to link the debt account in order to see how much I would be approved for. I asked for {$50000.00} to get 0 % APR on a HELOC. I was approved for only {$2000.00} so I decided to just never use the card. Eventually I see that my bill is past due. I had no idea that the approval process, which was so quick and seemingly necessary, was the actual balance transfer agreement. I was also being charged a monthly amount that I don't remember ever agreeing to. Why is it {$40.00} per month when I have 0 % APR? Who chose {$40.00}? What timeline is that? I believe the act of approval and the actual transfer happening at the same time is wrong and misleading. I should be able to see the approval amount BEFORE agreeing to the transfer. What a scam. This is predatory. After contacting them they just said that I agreed to all of this and to call the credit companies. I will.
Product: Debt collection

I am filing this complaint against Systems & Services Technologies ( SST ) due to concerns about their communication practices and the security of their unsubscribe process. 

On XX/XX/year>, at XXXXXXXX XXXX, I received an email from SST regarding an overdue payment of {$960.00} for account number XXXX. The email included a link to unsubscribe from future reminders. However, when I clicked on the unsubscribe link, I was redirected to a webpage that displayed a security warning indicating that the connection was not private and that the website might be attempting to steal my information. 

This raises serious concerns about the security and legitimacy of SSTs communication methods. As a consumer, I should be able to trust that any links provided in official communications are secure and do not pose a risk to my personal information. SSTs failure to ensure a safe unsubscribe process could potentially expose consumers to identity theft or other malicious activities.
Product: Credit reporting or other personal consumer reports

During the Pandemic I had several lates on my XXXX XXXX XXXX XXXX. Although such lates were supposed to be overlooked by creditors XXXX XXXX failed to do so. This account has been paid in its entirety and at this point I am asking that all remaining lates be removed or either this account be removed in its entirety. I have been falsely told accounts can not be removed when in fact XXXX XXXX is not reporting this negative information to all Bureaus. 

I am asking that this account stop reporting to Experian as soon as possible. 
XXXX XXXX XXXX XXXX Closed Closed on XX/XX/year> Balance {$0.00} XXXX. {$40000.00} Experian Only Status Paid Experian Only
Product: Mortgage

I successfully completed a loss mitigation with XXXX XXXX  with an extra bonus of skipping XXXX and XXXX to presume my mortgage payment to Total Mortage XX/XX/XXXX for XXXX. I then was transfer to Carrington Mortgage which has me at XXXX, to which I was made aware of the error in XXXX and started paying the extra {$210.00} in an attempt to keep my home. Carrington Mortgage has now return my mortgage payment and has issue a foreclosure against me.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I recently discovered my personal information was sold and illegally bought because of Equifax data breach.

I would like these items listed below deleted from my credit report effective immediately. I am including proof that Equifax has admitted that I was in fact a victim of the data breach. Equifax has done nothing. I am asking for help to delete these illegal inquiries from my credit reports listed below 1. Inquiries XXXX XXXX XX/XX/XXXX was not authorized by me. Please Removed 2. Inquiries Equifax Mortgage SER XX/XX/XXXX was not authorized by me. Please Removed XXXX. Inquiries XXXX XX/XX/XXXX was not authorized by me. Please Removed 4. Inquiries XXXX XXXX XXXX XX/XX/XXXX was not authorized by me. Please Removed 5 Inquiries XXXX XXXX XXXX XX/XX/XXXX was not authorized by me. Please Removed 6 Inquiries XXXX XXXX XX/XX/XXXX was not authorize by me. Please Removed
Product: Mortgage

Last year in XXXX, my home insurance went up, which changed my payment. I called my insurance company and they did a discount. However, due to Covid, I was not able to get through to the bank. When I did ( in XX/XX/2020 ) I spoke to a lady named XXXX, who was the very very very rude. I paid my principle and interest every month until we could get the insurance problem resolved. I emailed and faxed letters and letters. FINALLY, we fixed the problem, however, my credit score still shows late payment. I kindly asked Fith-Third Bank to remove my escrow. They said after 5 months of on time payments they would. They never did and screwed up again on my escrow and now they are saying I am late again. This is ruining my credit. I am paying them my principle and interest. Now, they want to say I am late on PREPAID INSURANCE, that I requested to be taken off my account ... ... ... I have had a home for over 20 years and this is the first time I have ever been late or had a problem.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I sent {$500.00} through XXXX using my Wells Fargo checking account to someone that was supposed to send me TV speakers. I did some research on the number I was speaking with after I submitted the transfer and noticed a few web pages pop up saying they were scammed by the same phone number for different items. I immediately called Wells Fargo to report the scam and they said there was nothing they could do since I authorized the transfer. I also reached out to the scammer but of course they did not answer any of my calls or texts. I filed a police report the same day I submitted the claim to Wells Fargo just in case Wells Fargo needed it for their investigation but they never asked for any of that information. The bank said they would open an investigation and I was sent a letter a couple of weeks later saying that there is nothing they could do and that I should reach out to the scammer to ask for my money back ( great advice Wells Fargo ). I called Wells Fargo again today, XX/XX/XXXX to see if I had any other options or if they were able to use the information ( name and phone number ) provided to me for the XXXX transaction to possibly get in touch with their bank but Wells said they do not go that far and again recommended I reach out to the scammer for my money back.