23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number Last XXXX : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXXXXXX  ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Accounts : XXXX  Account # XXXX date opened XX/XX/XXXX Bal. {$1000.00}, XXXX, XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$860.00}, XXXXXXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XX/XX/XXXX XXXX {$700.00}XXXX XXXX XXXX XXXX Account XXXX date opened XX/XX/XXXX Bal. {$0.00}, XXXX XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$0.00} Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Student loan

I am enrolled in the XXXX XXXX being serviced by MOHELA. Per federal regulations, while we are in forbearance, interest is not to accumulate ( https : //studentaid.gov/announcements-events/save-court-actions ). I, however, have received an email from MOHELA stating my interest continues to accumulate while in forbearance. Furthermore, there is interest accumulated in my account prior to the initiation of the forbearance that needs to be rectified based on the workings of the XXXX XXXX prior to the plan being held.
Product: Credit reporting, credit repair services, or other personal consumer reports

Un Authorized inquiries XXXX 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

Ive called every credit inquiry I dont recognize. They all said to let Equifax know, but they won't even let me get a report because they must suspect something and would like to know its really me. I have 3 hard inquiries alone from XXXX XXXX but I only applied once. XXXX XXXX said it could have been a mistake on someone else 's part ... But I dont beleive that. The motorcycle lease hard pull wasnt mine, nor was XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX????? None of these are familiar and I haven't applied for any type of job like that. But I think it's those Thurs party people doing whatever they feel and it's affecting my score. Exhausted with all this XXXX. I just want XXXXXXXX XXXX  taken off as well as all the hard inquiries from the ones I didnt put there I would like them off XXXX  ... XXXX ... and Equifax. Thank you for your help in this matter.
Product: Credit card or prepaid card

I made a purchase for {$59.00} on XX/XX/XXXX. I paid the bill through on line banking on XX/XX/XXXX. The purchase was still on the statement that I received in XX/XX/XXXX along with a late fee and interest. On XX/XX/XXXX, I sent a letter to Capital One with documentation from XXXX XXXX  that the bill had been paid. On XX/XX/XXXX, I was advised that the matter was being investigated. I was asked for documentation from XXXX again and sent it to a fax number that had been given to me by a customer service representative. On XX/XX/XXXX, I received a letter telling me that the dispute was closed since Capital One had not received a response to its prior letter for more information. When I called, I was told that the customer service person had given me the wrong fax number. I faxed all documents to the new fax number that was given to me on XX/XX/XXXX. On XX/XX/XXXX, I called to ask for status. I was told that I had to get a transmission form from XXXX XXXX  and I was given a fax number for the form ; form sent on XX/XX/XXXX. When I called on XX/XX/XXXX, I was told that the form was not received because the fax number was incorrect. On XX/XX/XXXX, I was in a conference call with Capital One and a representative of XXXX. XXXX faxed proof of payment to Capital One. As of today, XX/XX/XXXX, Capital One states that the proof of payment from XXXX was not received and that my original payment did not have the complete account number on it so the money paid was not credited to my account. XXXX has advised that the complete account number was on the electronica payment made on XX/XX/XXXX. My {$59.00} purchase now has become {$250.00}.
Product: Credit card or prepaid card

Citicards has not reversed charge with airline, so I am unable to receive refund.
Product: Credit reporting

back in XX/XX/2013 i filed a bankrutcy and one of the creditor was XXXX county experian sent one of there worker down to public records without knowing the fact of the account being discharge and put it on my credit report themselves i call the the comapny to see if they added and was told no by one of there superviosor i call experian to see whybthey added to my report the manager XXXX said they have a right to send a worker to get public information on a consumer and can add it to there report themselves this is experian stating they can do this how it it they can add and take off what they want and mess a person report up i have also sent them a police report for identity thief because there was XXXX inquiry on my report that i did not do and they stated they do not have to delete also they sent someone to retrieve all my old bankructy information and they place it on my credit report that a mess they literally sent a representative from there company to get bankrupty information and place it on my report when i call the bankruptcy court to see if they place it on there they said no they are not allowed to pace any court information and plus how did experian know the bankrutcy belong to me from what the court said they do not share any information on people who file so my question is can a credit Bureaus do what they want mess people credit up because they have the right to add what they want
Product: Money transfer, virtual currency, or money service

Unauthorized transactions, ATM withdrawals, and I would pay my bills, cash app says it was sent. So why did i lose my car, home, and utilities was shut off
Product: Payday loan

I am currently being harassed by email from XXXX loan companies. CashCallXXXX. They are threatening to sue/ garnish my check. I only applied for a loan with CashCall, paid the loan. Then CashCall said I still owe them XXXX dollars. I filed a complaint, they said they wrote it off on my credit report. These orther XXXX I have never applied for a loan nor have I received anything from them. I tried emailing them letting them know these are fraudulent, but no reply. Next I tried calling them at these numbers ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX not reachable. PLEASE PLEASE PLEASE HELP ME. Thanks!
Product: Mortgage

I have been approved for financial assistance for my mortgage from the federal Homeowners Assistance Fund, more specifically, the Virginia Mortgage Relief Program, or VMRP, which provides assistance to homeowners experiencing delinquency due to a financial hardship as a result of COVID-19 to help address mortgage and/or other qualified home ownership-related delinquencies to avoid default, foreclosure, or displacement. 

The program has reached out multiple times to First Home Mortgage Corporation ( my leinholder ) to verify the debt and get the funds to pay my back mortgage sent to them. First Home is not responding and when I call they make note on my file but have not followed back up with them. The money is ready to be sent but First Home Mortgage is not cooperating with the federal program which will pay my delinquencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed two seperate request to remove an address from my credit report. To date, TransUnion has not removed the wrong address.
Product: Credit card

I was making 3 times the minimum payment amount and called 3 times last year in XX/XX/ and found out they had increased my interest rate with no notifications 4 times in 1 year causing the minimum payment to also be the amount for only interest each month
Product: Debt collection

Original company XXXX XXXX Alleged amount owed {$550.00} Third Party The CBE Group I have continuously been contacted by a third party debt collector The CBE Group and the calls have been non stop on a daily basis.I spoke to one of their representatives to make them aware of the laws and to cease communication with me. But unfortunately the calls have kept coming in. According to 15 U.S.Code 1692 sections ( a ) ( b ) ( c ) ( d ) and ( XXXX ). 

The company never announced who they were when they continued to call me from an automated telephone line. I received paper notice in the mail that a debt was owed to the original creditor which is XXXX XXXX. Which the company had been notified of my bankruptcy filing and still sent the " alleged account to The CBE Group, which I gave them no permission to do so. 

According to 15 U.S. Code 1692b ( 1 ) ( 2 ) ( 3 ) 15 U.S. Code 1692d ( 5 ) ( 6 ) Calls Received from The CBE Group On XX/XX/2022 at XXXX a.m. 
On XX/XX/2022 at XXXX a.m On XX/XX/2022 at XXXX a.m On XX/XX/2022 at XXXX a.m. 

15 U.S. Code 1692k ( a ) ( A ) I want the company to pay me for each call which is {$1000.00} per occurrence either that or I will pursue litigation against them for the mental and emotional damage they have caused.
Product: Mortgage

Starting XX/XX/XXXX I have received notices from Shellpoint Mortgage regarding hazard insurance placed upon our property. Immediately I called and submitted the relevant documentation of my existing hazard insurance, and requested to have the escrow balance cleared. I forwarded this hazard insurance to their support department, and tried repeatedly to clear up this misunderstanding. Each time while speaking on the phone, I have received confirmation from the agent that this was a mistake on Shellpoints part, and have at multiple times had the escrow balance cleared, only to have the escrow charges re-emerge. 
As of XX/XX/XXXX my wife and I have started seeing late payments reported to credit agencies, negatively affecting our credit score.

Shellpoint have completed an audit, and returned a response to us which does agree that the hazard insurance should not have been placed, but has not cleared up the balances incurred by those fees. 

At all times I have continued to pay the original mortgage amount, and so should be in good standing on this balance. 

Many thanks for your help.
Product: Mortgage

Please find attached a copy of a R.E.S.P.A. Qualified Written Request. 
Borrower has requested these items many times and was told by her local branch that TD Bank does not provide this information any more. This a violation of RESPA. 
Borrower has been sending in monthly checks in the total monthly payment amount or in excess of the monthly payment amount and has only watched her arrearages increase. In discussion with TD Bank 's Foreclosure representative, XXXX XXXX, he stated payments were being re-issued to the borrower but at the wrong address. The borrower was never aware of these TD Bank checks that were rejected for a suspense account and has always believed the payments were being applied to her mortgage, as confirmed by her local XXXX, MA TD Bank Teller. On XXXX XXXX, 2016, we also submitted a full financial package to be reviewed for a modification. We believe she would not be in this position as extensively as she is, if TD Bank had notified her of their reissuing checks.
Product: Credit reporting or other personal consumer reports

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THAT THERE ARE ACCOUNTS THAT ARE NOT MINE. PLEASE REFER TO THE ATTACHED IDENTITY THEFT REPORT AND DELETE THE ACCOUNTS AS SHOWN BELOW. I HAVE SENT DISPUTE LETTERS ON and filed a police report. 
XXXX TransUnion XXXX XXXX Account XXXX : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Charge account Charge account Charge account XXXX Code : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$2400.00} {$2400.00} {$2400.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$2400.00} {$0.00} {$2400.00} Credit Limit : {$2200.00} {$2200.00} {$0.00} Past Due : {$2400.00} {$2400.00} {$2400.00} Payment Status : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Profit and loss write-off Unpaid balance reported as a loss by the credit grantor. 
Charged off account Charge Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint to address violations of the Fair Credit Reporting Act ( FCRA ) by XXXX, Experian and XXXX. Specifically, all entities have failed to add a notice of dispute to my credit file, despite my submission of certified disputes in XXXX and XX/XX/XXXX. 



The FCRA, under Section 611 ( a ) ( 3 ), requires credit reporting agencies and furnishers to add a notice of dispute to a consumers credit file when a consumer disputes the accuracy of information. This obligation applies to both XXXX XXXX Experian, as a credit reporting agency, and XXXX, as the furnisher of information. 



Timeline of Events : XXXX. XX/XX/XXXX : I sent a certified dispute letter to XXXX and XXXX Credit Card disputing the accuracy of information on my credit file. XXXX XXXX. XX/XX/XXXX : I sent a follow-up certified dispute to ensure receipt and acknowledgment of my previous request. XXXX XXXX. XX/XX/XXXX : Upon reviewing my credit file, I found that neither XXXX, Experian, nor Discover Credit Card had added a notice of dispute to the information in question. 



Violations : XXXX & Experian : Failure to update my credit file with the required notice of dispute as mandated under the FCRA. 

XXXX : Failure to report the information as disputed to XXXX after being formally notified of the dispute. 



Impact : The lack of a notice of dispute misrepresents the status of my credit information and has caused harm to my financial reputation. Additionally, it undermines my ability to resolve inaccuracies within my credit report in a fair and timely manner.
Product: Prepaid card

Is Bank of America South Carolina unemployment card I had a roommate who filed and got it in my name and among trying to straighten it out they sent me a card in my name however she was my roommate and while I was out of town she checked my mailbox and she got the cards again she kept canceling the cards and ordering cards because she knew all my information so she could be me at any time no matter how many times I stopped the card I've made police reports on it she paid her phone bill with the card there's proof that she had all these guards make of america has denied half of my claims and then they approved the other claims they approved one card And then a deny one charge and then approve another charge on the same card and I have sent them reports I have sent them everything I've had trying to explain to them she was my roommate they told me That I gave her permission to use the card I never gave her permission they said I got it out my mailbox I did not get it out my mailbox she did I've been going back and forth with this 43 years now XXXX XXXX is my name
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told i was to pay a one time fee for {$1.00} to check my credit scores and now they have been trying to charge XXXX and change to my bank account and i never agreed to it. I was flagged by the bank about this being fraud and they are still trying to charge me. The pretenses where that I would get a loan if my score was good enough but I was only to be charged XXXX dollar not continuing charges and I tried deleting my account but theres nowhere to delete the account when I reached out to the company they said that the charges would be reversed, but they continue to try charging so clearly theres a scam going on here something illegal is happening and I am not reporting it to you.
Product: Credit card or prepaid card

I received my credit card billing statement dated XXXX/XXXX/XXXX on XXXX. I noticed I had been charged {$5.00} in interest on XXXX/XXXX/XXXX. This did not make sense since my billing statement dated XXXX/XXXX/XXXX had a balance of {$1600.00} that is not subject to any interest until XX/XX/XXXXdue to a promotional balance transfer that USAA was offering when I opened this card in early XX/XX/XXXX ; there were no recent purchases or charges on the XXXX statement that would be subject to an interest charge. <P/>I called USAA on XX/XX/XXXX and was able to explain the error based on my view of this issue and was able to get the USAA Customer Representative to finally see the issue and ultimately agreed with me. She put me on hold several times in order to work with a back office associate on resolving this, as we both thought the interest charge was in error and should be done until the current billing period ends. I was disconnected after talking and being on hold for about 25 minutes. An hour later I called USAA back and explained that I was hoping to get reconnected with the original representative that was helping me because she appeared to understand the concern and did appear to be working on my issue with other internal associates. <P/>For the next 30 minutes I was forwarded to several other customer service reps and was never able to speak with the original person that was assisting me. To make matters worse, there were no notes in my file so that the people I was speaking with understood the issue that I believe was already being worked. I asked if this issue was going to get resolved and communicated back to me. I was told I would receive a call back from a manager. As of XX/XX/XXXX I have not received any communication back from USAA in regards to my reported issue for the interest charged ( in error I believe ).
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 Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent 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 Funds Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconveniences and financial losses and I seek appropriate redress for these violations.
Product: Consumer Loan

The company I bought my car from is Drive Time. This company is constanely saying that i am further and further behind and this evening they called my landlady about my bills, thats it I 'm done with them. I know that from your alerts, that this company is already under a 5 year watch and only 3 years into it. My contract with them says I am to make bi-weekly payments, but ever since the 2nd month of on time payments, they have been requesting more and more payments. I have had to break my payments down to weekly payments, just to get them off my back & they still call!?! They sometimes call from a company called XXXX, this company according to the BBB does not exsist & has not had any sign of activity since XX/XX/2013, please do something about them.
Product: Credit reporting or other personal consumer reports

The card reported me to credit bureaus for late payment and everything was paid. 

XXXXFORTIVA MC 90 days past due as of XXXX XXXX  XXXX XXXX XXXX XXXX past due as of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I would like the late payment information to be taken from the credit bureaus. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Company has been sent ( 2 ) debt verification request, the company has failed to comply with the request and it has gone past the 30 day mark as per the FCRA, the company continues unverified and false information to the credit reporting agencies and destroying my credit and reputation, I have made several request for the info to be removed until verified however this has not been the case and company was rude and refused to listen to request instead they continued to hang up on me when I requested to speak with a manager regarding the matter.
Product: Credit reporting or other personal consumer reports

After checking my credit report again. There are multiple inaccuracies and incorrect information being published without consent and it is preventing me from gaining a suitable home or job. Rules and CFPB and FCRA means nothing it seems to these Credit Agencies not bureau. See attachments. XXXX XXXX stated they do not have to provided me with anything. Ive disputed these items numerous times. Take them Off and come back 2 years later. 
My information should be protected and correct.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash A

pp ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution 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 actions have caused significant inconvenience and financial loss, and I seek appropriate redress
Product: Mortgage

In XXXX I went through a divorce which caused some financial hardship. In early XXXX I entered the loan modification program with Bank of America. At that time I was only 30 days past due, but of course, they informed me that I 'd have to let my account go 90 days past due in order to qualify for a modification. It took them a staggering 3 full years to complete my mortgage modification. This destroyed my credit due to now having a severely past due payment history. Even after entering into a trial payment period agreement, which was supposed to take 3 months, they still took an additional 15 months to execute the modification. I applied in XXXX or XXXX of XXXX and my mortgage was ( finally ) officially modified in XXXX of XXXX. 

This destroyed my credit since mortgage payments carry so much weight. So recently I disputed their reporting of my payment history as inaccurate through the credit bureaus, but of course, Bank of America provided documentation and the credit bureaus refused to amend it. I then spoke with someone in escalations at Bank of America and they still refuse to correct it with the credit bureaus even though they acknowledge that it took them 3 years to execute a modification and even though we agreed that it could affect my credit for 3 months, not 18 months. Their incompetence is preventing me from even being able to get a vehicle loan and it has negatively impacted my credit score significantly.