23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Dear CFPB, I have been working on selling my home as a short sale since XXXX of XXXX. Roundpoint needed to get a lien released for {$5500.00} that we couldn't pay for so it was initially closed. My real estate agent then was able to resubmit the paperwork and we were able to get into a short sale again. The bank needed that lien released for {$5500.00} and we had to borrow money to get this lien released. We were told that the file was complete various times. And now the short sale is closed and we have a foreclosure sale date for XX/XX/XXXX. We are asking the consumer finance protection bureau to investigate the Roundpoint mortgage services Short sale review practices. We were ready to close on the week of XX/XX/XXXX and now they are denying the short sale. I am worse off now than I was before, I'm more in debt and would like to avoid at all costs having a foreclosure on my credit.
Product: Credit reporting or other personal consumer reports

I am formally disputing and requesting the prompt removal of this fraudulent account from my credit report. This dispute roots from a case of identity theft, for which I have filed a formal report in Federal Trade Commission. Additionally, I have reached out to the banks associated with the fraudulent account. 
The bank has accepted the identity theft report 's legitimacy and known a potential system glitch that has hindered access to the records. They have assured me of the prompt removal of the fraudulent account, which have been mistakenly existing on my report for over XXXX years. 

But somehow, this fraudulent account is still existing in my report under your bureau and I'm curious what kind of confirmation process have you done. XXXX and XXXX credit bureaus no longer reporting this fraudulent account since the submission of the required documents. What about you're bureau that keep reporting this account what action you are doing? I take a firm stand that you efficiently remove this fraudulent account from my credit report as the banks have already removed this from their record. Your swift attention to this matter is imperative. 
XXXX XXXX.
Product: Debt collection

This company contacts me and my family members and/or friends DAILY, and often multiple times per day for various telephone numbers, regarding a debt that is possibly 7+ years old. According to FDCPA, the company and its collectors have committed the following violations : - Call repeatedly or continuously, - Use obscene, profane, or abusive language ( at least two recent occurrences ), - Call at times the collector knew or should know are inconvenient ( e.g. " back to back '' ), - Threaten action they can not or will not take ( that they will " serve me '' at my place of employment - which I welcome since I work at a law firm that will gladly sue the collector ), - Illegally inform a third party about your alleged debt, - Repeatedly call a third party to get your location information, - Fail to send a written debt validation notice ( which I have requested on numerous occasions ), - Ignore your written request to verify the debt and continue to collect, and - Continue collection attempts after receiving a cease communication notice.

Please note, the statute of limitations on debt for residents of the State of Texas is four ( 4 ) years. In Texas, this refers to oral agreements, written contracts ( car loans, installment loans ), promissory notes and open accounts ( such as credit card credit lines ).
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding fraudulent activity on my credit report. After researching, I found that I need to file an identity theft report with the Federal Trade Commission ( FTC ) at XXXX : XXXX. According to FCRA XXXX XXXX, XXXX XXXX XXXX are required to remove any items listed on an identity theft report with reference number XXXX. Attached are the documents to assist in removing the erroneous personal information and inquiries posted to my report. The items opened without my permission are listed below : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : {$XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$XXXX} XXXX XXXX Date opened : XX/XX/XXXX Balance : {$XXXX XXXXXXXX BANK XXXX Date opened : XX/XX/XXXX Balance : {$XXXX XXXX XXXX XXXX Date opened XXXX XX/XX/XXXX Balance : - XXXX XXXX XXXX XXXXriginal creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX ==============XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NH XXXX XXXX XXXX Date XXXX : XXXX XXXX, XXXX Balance : {$XXXX} XXXX XXXX - XXXX BANK XXXX Date opened : XX/XX/XXXX Balance : {$XXXX XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$2400.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  NH XXXX XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : {$XXXX XXXX XXXX XXXXXXXX XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX Date opened : XX/XX/XXXX Balance : {$XXXX} XXXX XXXX Date opened : XX/XX/XXXX XXXX XXXX {$XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$XXXX} XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX. Under FCRA Section 605B ( a ), Credit Reporting Agencies must remove any items identified as resulting from identity theft within four business days of receiving the report.
Product: Credit reporting or other personal consumer reports

I just pulled my credit report and I recognize some unauthorized inquiries on their that inaccurate can you please remove them According to the fcra these unverified and unauthorized items must be removed its affected my score negatively. 15 USC 1681 ( n )
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2017 {$720.00} PLACED FOR COLLECTION XXXX XXXX COMPAN ORIGINAL CREDITOR XXXX XXXX XXXX FRAUDULENT ACCOUNT
Product: Credit reporting, credit repair services, or other personal consumer reports

Im seeing accounts on my credit report that is fraudulent during the time I was XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX my neice sent me 30 followers to my goggle pay acct and since then I've been trying to add a card to with draw the funds and I even tried send her the XXXX back but said my acct was suspended and when I sent in all the proof to them ontop of talking to Google and answering there questions the emailed me today to let me know that that closed my Google pay and can'teven refund my XXXX bucks or even send it back to the sender .and that they don't have to explain why.
Product: Credit reporting 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 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I have not supplied proof under the doctrine of estoppel by the silence Engelhardt. v Gravens ( mo ) 281 SW715.719 presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists Please block and delete these accounts. 

XXXX XXXX  XXXX BALANCE {$25000.00} XXXX XXXX XXXX BALANCE {$41000.00} XXXX XXXX  : BALANCE {$6200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, Equifax Information Services , LLC, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-XXXX ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency.

They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. XXXX, Equifax, and XXXX are also in violation of 18 USC 1028A for aggravated Identity Theft for furnishing these alleged public records/XXXX  XXXX Bankruptcy and accounts. 
My credit report is still reporting : XXXX XXXX XXXX Bankruptcy, XXXXXXXX XXXX XXXX XXXX, and XXXX XXXX. 
Please see attached FTC Identity Theft Report. 
On XX/XX/XXXX, I sent XXXX, Equifax, and XXXX a follow up letter to request they remove the above accounts and they did not. 
Last, a sent another correspondence on XX/XX/XXXX, with no response or changes. 
This has caused me tremendous XXXX, stress, and financial hardship.
Product: Credit reporting or other personal consumer reports

( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( 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 disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), 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. 

US DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Debt collection

After going through my recent credit report, I discovered some accounts that were fraudulently added without my knowledge.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These collection agencies have engaged in false and misleading practices violation fdcpa 807. Additionally they have provided forms violating fdcpa 812. They also failed to provide me with the required written notice in five days in advance.

Comment Pursuant to 18 USC 8, I owe no debt. These company 's are violating my consumer right to privacy pursue 15 USC 1681b 2. They also have no permission to report ANYTHING using my info pursuant to 15 USC 1681 4. 
If you verified these accounts as accurate, I need to see your method of verification on how you are reporting a collection with a past due balance. If you can not provide this, please delete immediately.
Product: Debt collection

I want to formally write a complaint against this company about the alleged debt as I believe they have violated the FDCPA. I never made a transaction with this company and I don't know about this debt that they are tryng to collect from me. I have previously requested for a debt validation documents but I have yet to recieve a proper response from them so I want to take this to your attention and please investigate because I honestly unaware of such debts. This company has an account number listed on my report as : ONLINE IN SV - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously filed several complaints about XXXX XXXX. XXXX XXXX complaint # XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. ALL OF MY COMPLAINTS have been CLOSED and nothing has been resolved! 

I never made any late payments, XXXX XXXX has not provided me proof that the payments they show as late ever happened, and yet continues reporting a late payment history on my account. I need your assistance correcting this error. NO LATE PAYMENTS WERE MADE! XXXX MUST fix this error immediately as they are causing my score to be low and my extensions of credits are being offered at high rates.
Product: Debt collection

I did not try to fix it because I do n't know this company and they want me to verify my personal information to people that call me. I have NO contract with this company nor have I ever heard of them.
Product: Credit reporting or other personal consumer reports

This is purely identity theft. I do not recognize these accounts. These accounts are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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 REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate. 

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card

For the past XXXX months ( XXXX, XXXX and XXXX of 2024 ) I have attempted in good faith to update my banking information for autopay with Avant. Each time I am told I have to wait another billing cycle before I can update any information -- regardless of whether or not a payment is due. It's a straight forward scam. Customer makes a couple of attempts - fails, gets busy, auto pay bounces on old bank account and late fees pile up. The XXXX 's simply stall and come up with all sorts of excuses when I call to update my banking information. The website has a hard stop for autopay updates and repeats the same message ( see attached ). This is regardless of whether or not a payment is due. 

I can no longer service this debt. The late fees have made it impossible now. I understand this is my decision, and they will report me late to the major repositories. It has always been a struggle with Avant, but now it has become untenable - financially. They refuse to allow me to make timely payments -- bottom line.
Product: Credit reporting or other personal consumer reports

There are fraudulent inquiries on my report that should be deleted : 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Claim : XXXX. No statements received between XX/XX/2021 and XX/XX/2021 XXXX. Believed was paying pursuant to my card agreement XXXX. No access to online statements because card was canceled XXXX. XXXX XXXX sent charge card account to XXXX XXXX XXXX XXXX, an outside collection agency, at an alleged forty- two ( 42 ) days past-due on or around XXXX XX/XX/2021 a ) acknowledged by XXXX XXXX in XXXX XXXX Letter in response to CFPB XXXX XXXX XXXX. Spoke with XXXX representative on XXXX XX/XX/2021 regarding not having received bill a ) acknowledged by XXXX XXXX in XXXX XXXX XXXX in response to CFPB XXXX XXXX XXXX. XXXX filed a billing error notice with XXXX XXXX ( in writing ) on my behalf on XXXX XX/XX/2021 a ) XXXX XXXX acknowledges receipt of notice in XXXX XXXX Letter in response to CFPB XXXX XXXX. XXXX XXXX did not cease efforts to collect on disputed amount a ) acknowledged by XXXX XXXX in XXXX XXXX XXXX in response to CFPB XXXX XXXX XXXX. Billing Error notice should have also triggered a direct dispute under XXXX XXXX XXXX XXXX. XXXX XXXX did not notify me of their findings a ) XXXX XXXX circumvented an investigation by having XXXX verify the current address Harm : XXXX. No effectuation of notice via periodic billing statements between dates identifeid in claim XXXX. 

XXXX. XXXX XXXX did not investigate reasons for non-receipt of bills a ) acknowledged by XXXX XXXX in XXXX XXXX XXXX in response to CFPB XXXX XXXX XXXX. XXXX XXXX continued to bill and report negative credit history to CRAs without an investigation into reasons for billing errors ( non-receipt ) a ) acknowledged by XXXX XXXX in XXXX XXXX XXXX in response to CFPB XXXX XXXX
Product: Mortgage

In later XXXX early XXXX Did you, ALAMEDA MORTGAGE, agree to rescind or not.
Product: Credit card or prepaid card

Comenity bank ( which handles XXXX 's credit cards ) went into my credit report and saw two new cards. The algorithm kicked back that it should DRASTICALLY decrease my credit limit, even though I have been paying on time for more than a year. This has decreased my FICO score and is, simply, unfair. I need a resolution that is just, immediately. HOW CAN YOU BE PENALIZED FOR PAYING ON TIME???? These rules and algorithms need to change immediately. It's predatory.
Product: Debt collection

I get calls for anyone with the last name XXXX. The most recent call was for XXXX XXXX. This person does not live here. I want the calls to stop.
Product: Credit card

I purchased an item for {$700.00}, which arrived completely broken. The seller refused to provide a refund or facilitate a return, despite multiple attempts on my part to resolve the matter. I initially attempted to dispute the charge through XXXX, but was unable to do so due to system limitations, forcing me to file a dispute with Discover, my financial institution. 

Discover initially credited my account but later reversed the credit, claiming that I needed proof that the seller agreed to issue a refund. This is an unreasonable standard, as the seller was clearly uncooperative, refused to acknowledge the damage, and did not follow standard refund procedures. I provided photographs, receipts, and email exchanges with the seller, yet Discover denied my dispute. 

Upon Discovers decision to close the case, I attempted to escalate the matter back to XXXX, but they informed me that since I had initially disputed the charge with my bank, they would not allow me to reopen a claim. I was also told that a XXXX hold had been placed on the disputed amount, preventing an immediate resolution. 

I am now left with no recourse, despite having followed all proper procedures. Both XXXX and Discover have provided contradictory information, failed to support me as a consumer, and allowed a fraudulent seller to keep my funds. 

I am requesting that XXXX and Discover be held accountable for their mishandling of this dispute and that I be refunded {$700.00} for the defective product I received.
Product: Checking or savings account

Chase Bank Closed all my checking accounts and credit card accounts without any reason
Product: Checking or savings account

I went into the bank to cash a check I receive monthly for a house I rent to someone. The person that wrote the check accidentally wrote the dollar amount on the " Payer '' line. I asked the branch manager if I should have them rewrite another check or if I should continue with the deposit. Manager advised me that I could deposit it but it might get flagged and rejected and they might send the check back to me. I said I wanted to deposit the check. I also asked if it would affect my account. He told me " No, it would just get rejected worst case scenario ''. He proceeded to deposit the check then said " Actually, don't tell anyone I said this, but you should deposit into the atm right here because it might not get flagged ''. He cancelled the endorsement and advised me to use atm. Now All my accounts are being closed because the bank relinquished their right to do business with me. NEVER DID THEY EVEN TRY TO CONTACT THE OWNER OF THE CHECK TO VERIFY IF IT WAS LEGIT. I contacted the writer and he said that he was shocked and no one tried to call him. Again, I've been receiving checks from him since XXXX and depositing them here. In addition, the bank has refused to give me my money. Now it is the end of the month and I'm going to be late and acquire late fees on all my properties and bills and I can't even pay my employees. The bank is stating it will take 10 business days to close the account and after that they mail a check. This is so unfair and I did nothing wrong. I don't understand why they did not verify the check and why their branch manager gave me bad advices.
Product: Credit reporting, credit repair services, or other personal consumer reports

A error in Wells Fargo 's bookkeeping is negatively impacting my credit reports. While I have maintained a revolving line of credit with this financial firm since XX/XX/XXXX, I was recently advised that Wells Fargo reported to various credit reporting agencies that my account was past due in XXXX of XXXX. I have been a reliable customer with Wells Fargo and recall no time when I did not honor my contractual obligations to remit payments timely. In addition, I received no notification indicating that my account was past due or required any intervention. The aforementioned error, negatively impacting my credit score, is posing financial hardship.
Product: Credit card or prepaid card

USBank Focus Card visa debit recieved my SS each month. On XXXX at XXXX multiple transaction went thru and I was notified via text alerts while I was at home. Contacted bank immediately and stopped my card and filed a dispute. Waited until The following Saturday 7 days later and I called the bank to inquire why I had not recieved the documents the stated were being mailed. Then I was provided a fax # which I then had them send documents via fax which I filled out and Faxed back. 13 days later I contacted bank again for status of my claim and was informed the case was closed as dispute team determined NO fraudulent charged occurred. USBank XXXX informed me she has no info WHY? And can not help us at all and apologized. I requested phone # to dispute dept and that could not be given to me. Currently XXXX was taken from my XXXX card that left me {$30.00} to my name. My hands are tied and told sorry. Please help me.
Product: Debt collection

I have a debt collector for XXXX $ i don't have any information about what o why is that amount
Product: Debt collection

Spoke with this company last week about setting up a payment arrangement online and asked them to stop calling! I received another call 4 days later and I told them to stop calling I verified everything and stated that I will set up a payment arrangement and they placed this debt on my credit report! Sent letter XX/XX/XXXX saying I had to respond mu XX/XX/XXXX which I did any they placed it on my credit report anyway!
Product: Student loan

I am currently on payment plan where {$70.00} is automatically deducted out of my bank account on the XXXX of each month by Navient. In the month of XX/XX/XXXX, Navient did not deduct {$70.00} from my account as they had been doing for the past year and a half. As of XX/XX/XXXX I received a letter from Navient stating my account has defaulted and I currently owe them the full remaining balance of my loan. I have attempted to call them multiple times and have been unsuccessful with reaching a person to speak with. This is not the first time I am having an issue with Navient. Over the past few years I have received wrong information, been denied repayment options, and have been threatened by them regarding re-payment.