23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Steel River Systems LLC made contact with me attempting to collect on a debt from 2005, without providing all information pertaining to the debt. I informed them I was disputing this information.
Product: Mortgage

I have contacted The Money Source repeatedly about the homeowner insurance policy I pay to an outside company for my home. They continue to deduct money from my payment to them to pay insurance. I have contacted them no less than ten times to address this problem ( dates, times and personnel names can be provided ). I also pay my own flood insurance and they deduct for that. There is now a $ XXXXrefund check in limbo somewhere as the mortgage company mailed it to a wrong address when they should not have been involved in the first place. I have asked for the contact info for legal and they disconnect the call. This is beyond absurd.
Product: Mortgage

Hello, I writing regarding an unlawful foreclosure by PHH Mortgage Services in violation of my SCRA rights. 
I am a XXXX XXXX XXXX Vet. I purchased the property in XXXX XXXX in XXXX using a VA home loan and made perfect payments for 5 years in XXXX I XXXX again and while I was away PHH started a foreclosure with no attempt to stay the proceedings until I returned. When I returned in XXXX of XXXX they did not attempt to hold off and allow me to re-modify the loan. This moment in my life made a huge negative impact. I felt I could n't function in " normal society '' I was broke, and signed my self up to go back again feeling I had to go to make a large enough savings account to get my life " back on track '' and since then I have been diagnosed with a VA XXXX rating of XXXX and struggle with XXXX every day. In XXXX I went XXXX my XXXX and be able to function and hold a job. Since then I got a job at XXXX XXXX and in my training I learned more about SCRA rights and realized I was a victim by a company who knew I was XXXX, and played off my lack of knowledge of my rights. 
Please assist me in what information do I need to provide to substantiate what took place and what I can do about it. 
XXXX XXXX, XXXX XXXX. 
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX {$12000.00} XX/XX/XXXX XXXX XXXX XXXX {$540.00} XX/XX/XXXX XXXX XXXX  XXXX {$620.00} XX/XX/XXXX XXXX XXXX  XXXX {$270.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$900.00} XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and is inaccurate or incomplete. I am requesting that the item be investigated to correct the information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I attempted several times over the last several years to have TD Bank, NA provide monthly statements online and by mail which neither happened. I called last week on XX/XX/XXXX to again request statements to obtain documentation for a scheduled upcoming closing that my attorney requested in preparation for closing. I again followed up later that week and was told for the FIRST time that their bankruptcy department needed documents supporting that my XXXX  XXXX final discharge was on file with the bank. I stated that they were listed as a creditor and the court notified the bank of my final discharge date of XX/XX/XXXX. At that time, I emailed and faxed copies to the bankruptcy department confirming the final court discharge date. As of today, XX/XX/XXXX, I still have not heard from ANYONE from TD Bank regarding updates to receiving monthly statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Equifax has me listed as N/A when lenders are trying to verify my identity. When I log into my account with both credit agencies I am unable to see any of my credit information. I have extensive credit history. XXXX admits the problem is on their end and that it would take a week to merge my files. My files are now merged and I am still unable to view any information to dispute. After numerous calls to resolve this issue, I am still left unable to access my credit file and lenders are currently not able to verify my credit history. I have sent Equifax my personal documents to verify my identity as they recommended. To date I am still unable to view my credit profile online and lenders are not able to verify my credit history. I dont know what else to do to regain my credit history. This is affecting my ability to secure housing.
Product: Money transfer, virtual currency, or money service

I am filing a complaint agaisnt Cash App ( 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 measure to prevent 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 for these violations.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following fraudulent accounts reported to Transunion under my name : XXXX XXXX - Account Number : XXXX XXXX  - Account Number : XXXX XXXX  - Account Number : XXXX XXXX  - Account XXXX : XXXX XXXX  - Account Number : XXXX I have requested an investigation and removal of these accounts, but no action has been taken. The entities associated with these accounts are in violation of 15 US Code laws, specifically 15 USC 1681s-2 and 15 USC 1691N .

I urge immediate intervention to address this issue and hold the responsible entities accountable for their non-compliance with the aforementioned US Code laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/2018 I contacted XXXX, Experian and XXXX Customer service and fraud department to inform them that they are reporting inaccurate information on my credit reports which is affecting my scores. There are multiple credit Inquires that I did NOT authorize. I contacted the companies that reported the inquires, asking them to remove them because they are NOT authorized by me. They informed me to contact the credit bureaus in regards to having them disputed and removed. I 've been getting ping ponged between XXXX, Experian, and XXXX as well as the companies reporting the inaccurate information to no avail. I 've included a copy of my official FICO credit report highlighting the inaccurate information. I was already a victim of the Experian Data Breach Fiasco previously and I should n't have to continue to deal with issues like this. I am asking for assistance in getting this inaccurate information removed from my credit report because It is causing detrimental harm to my credit. I am in the process of purchasing my first home and to have to go threw this is ridiculous.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had three late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy, this account has not been late on payments I've attached a copy of my report to this complaint on the following dates XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. I'm now requesting you investigate this account and update these payments to be paid on time immediately. Thank you for your understanding and prompt action.
Product: Money transfer, virtual currency, or money service

The company DailyPay services the company XXXX that pays those working with XXXX. They advertise that you get paid daily, but this is never the case. I work every day, but I'm only paid 2 or 3 times a week. I have called and emailed many times with complaints and questions ; receiving varying answers every time. I work the same hours approximately, but when I am paid the pay doesn't appear to reflect it. 
I even tried the autonow and autonext features to see if I would get my pay accordingly. The supervisors at my company and our HR says that the issues aren't due to anything on XXXX 's end. The agents at daily pay are rude and do not offer much information or clear explanations in regard to their services.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen. I believe it happened at a XXXX gas station at XXXX XXXX XXXX XXXX XXXX Fl. XXXX. I bought fuel XX/XX/2022. On XX/XX/2022 my address was changed and a XXXX card was open with my name. The address was not my address and I did not open a new XXXX card. I found out by not receiving mail and a water company emailing me that a bill was returned. When I went to pay the bill I received the letter from them with the fraudulent address attached to the letter. 
I filed a complaint with the post office, notified the credit card company and put a block on my ID. with Experian and they told me to file a complaint with you. 
The address they used was XXXX XXXX XXXX XXXX XXXX AZ. XXXX
Product: Credit card

Hey my name is XXXX XXXX am filing a complaint against American Express regarding the denial of my credit card application on XX/XX/year>. I believe my application was unfairly denied due to discriminatory practices, violating my rights under the Equal Credit Opportunity Act ( ECOA ) and the Consumer Bill of Rights. reference number is XXXX
Product: Debt collection

I recently pulled my credit reports and noticed a XXXX account in collections with Convergent collection agency. I have not had a XXXX account in over 10 years. The addresses that are linked to these accounts are addresses I have never resided. These accounts are causing constant denials for credit and are hindering my homebuying process.
Product: Mortgage

Name of the loan servicer : Mr Cooper According to Mr Cooper, all calls are recorded. No transcripts have been provided. 
XX/XX/XXXX Receive Loan Modification Acceptance documents XX/XX/XXXX contact Mr Cooper to discuss and ask questions XX/XX/XXXX Signed acceptance of loan modification XX/XX/XXXX returned the signed Loan Modification Acceptance documents XX/XX/XXXX New modified payment is available on Online account for payment XX/XX/XXXX Online Mr Cooper Account reflects no change to account status and reflects non-payment. New Modification Payment is made by phone. Credit score impact observed. 
XX/XX/XXXX Mr Cooper contacted to address issue, no resolution, requested escalation. No escalation initiated. 
XX/XX/XXXX Online Mr Cooper Account reflects no change to account status and reflects non-payment. New Modification Payment is made by phone. Credit score impact observed. 
XX/XX/XXXX4 Online Mr Cooper Account reflects no change to account status and reflects non-payment. New Modification Payment is made by phone. Credit score impact observed. 
XX/XX/XXXX Online Mr Cooper Account reflects no change to account status and reflects non-payment. New Modification Payment is made by phone. Credit score impact observed. 
XX/XX/XXXX Online Mr Cooper Account reflects no change to account status and reflects non-payment. New Modification Payment is made by phone. Credit score impact observed. 
XX/XX/XXXX Online Mr Cooper Account reflects no change to account status and reflects non-payment. New Modification Payment is made by phone. Credit score impact observed. 
XX/XX/XXXX Online Mr Cooper Account reflects no change to account status and reflects non-payment. New Modification Payment is made by phone. Credit score impact observed. 
XX/XX/XXXX Contacted Mr Cooper, discussed issue and no resolution provided. Requested escalation, escalation was to be initiated. 
XX/XX/XXXX Contacted Mr Cooper to return call. Mr Cooper rep indicated that case was not escalated until XX/XX/XXXX. I asked who regulates Mr Cooper, Rep does not know. Rep indicated that as of today the Underwriting dept has started to investigate. Credit score still under negative impact.
Product: Money transfer, virtual currency, or money service

Our printer fell out with money, was taken out of my account for a tattoo. They declined my refund and never returned the money at all.
Product: Credit card

My name is XXXX XXXX, and I am assisting my aunt, XXXX XXXX, who is XXXX XXXX XXXX and does not speak English. She recently received court documents regarding a complaint from American Express National Bank, stating that she owes {$4300.00}. These documents were sent to her previous address, where she has not lived for many years, and were subsequently forwarded to her. 

XXXX XXXX never opened this credit card account and never authorized anyone to open or use it on her behalf. This is a clear case of identity theft, and she urgently needs assistance in disputing this fraudulent debt and clearing her name. 

Please advise on the next steps she should take to resolve this matter. We would appreciate any guidance or documentation required to formally report this identity theft. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

See the attached documents. Also, I attached screenshots of the previous options from steps one and two of this complaint process, because Amex is guilty of everything listed and it only let me select one option.
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 trafficking. 

Account Name XXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX  Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX 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: Checking or savings account

AT XXXX CENTRAL TIME RECEIVED EMAIL FROM WELLFARGO STATING THAT APPLICATION WAS RECEIVED ON XX/XX/2021, NEXT EMAIL WITH ACCESS CODE XXXXXXXX XXXX TO VIEW APPLICATION, NEXT ONE TO COMPLETE ENROLLEMENT, THEN NEXT ONE TO ACCESS DOCUMENTS NOW, LAST ONE WAS ONE STATED WEVE UPDATED YOUR CONTACT INFORMATION TO THE FOLLOWING : EMAIL TO : XXXX ; PHONE NUMBER ( *** ) XXXX. I AT THIS POINT I CALLED WELLSFARGO CUSTOMER CARE TO REPORT TO THEM THAT I HAVE NO BANKING WITH THEM. RECEIVED CASE # XXXX. 
CALLED AND TALKED TO THEIR FRAUD DEPARTMENT-XXXX  AND HE IS SENDING A LETTER TO MY ADDRESS ON THIS MATTER. ON PHONE FOR XXXX SECONDS. THEY ARE ALSO SENDING A REPAIR KIT AND SUGGESTED TO FILE A COMPLAINT ON THE FEDERAL TRADE COMMISION
Product: Credit reporting or other personal consumer reports

( Demand for Financial Compensation. ) What happened : ( statement of pertinent facts ) : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 a hard inquiry on my credit report. 

This inquiry is fraudulent and is appearing on my consumer XXXX credit report. I've attached a photo of the account in question as well as a copy of the consumer XXXX  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 # ( private case number ) 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX {$350.00} and {$530.00} There are no contracts, no valid claims ... accounts were settled with original creditor ... XXXX XXXX XXXX XXXX XXXXI want these accounts removed immediately or litigation ... it is against the law to attempt to collect a debt twice Please validate this information and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. Please be advised this is against F.C.R.A. law  and is a violation of my rights..
Product: Checking or savings account

On on XX/XX/XXXX, Synchrony mailed a check for {$54000.00} from my IRA Money Mkt acct at Synchrony Bank to a requesting institution, i.e., XXXX, that I had authorized for transfer to a rollover IRA at that secondary institution. A day later, Synchrony closed my accnt. That check was made out incorrectly ( this was finally admitted in a taped conversation with a senior person at Synchrony 's back office escalation yesterday, I was on the call XX/XX/XXXX, as was a representative from XXXX on a recorded line. Therefore, I have lost the use of the funds, including investment opportunity loss, interest and have no confidence that the funds will not be lost again. since their excuse is " it's in the mail '' .. .Your review of the recorded conversations with Synchrony 's IRA back office, prove the extent of the incorrect and perhaps intentionally misleading information I received from them on numerous occasions during this period. During at least XXXX recorded conversations with their IRA back office, escalation and finally a senior person from Synchrony 's back office, they admitted their mistake yesterday, XX/XX/XXXX. This entire time, since XX/XX/XXXX, Synchrony had use of the funds for their own purposes. Since XX/XX/XXXX, my {$54000.00} has not appeared on a single statement or communication from Synchrony even though the check was eventually returned to them in early XXXX, I believe. In the interim, I believe that Synchrony has use of my funds, and based on back office practice, earned interest on my funds as well as overreported their reserves to the Fed. Yet they continuously gave me mis-information and even though they agreed to wire the funds when the returned check was finally located at Synchrony and even though they opened a new IRA money mkt account in my name on XX/XX/XXXX XXXX so they had an account to receive the funds into. Without my knowledge, some time last week, they stopped the original check, ignored very specific wire instructions and mailed a new check to XXXX and now it is lost somewhere between Synchrony and XXXX for the second time. During this entire time, Synchrony has not updated my records regarding the funds anywhere in any of my statements, so as far as I can ascertain, the funds are again in limbo, having been mailed and I have only the recorded conversations to prove Synchrony 's misinformation, mistakes and carelessness in handing my IRA funds. I believe in their mis-handling of my inquiries and complaints, as been to some degree intentional, and perhaps their own business practices, since they have ignored by requests, refused to expedite the transfer of my funds to my IRA acct XXXX XXXX even though their mistakes have delayed this transfer for more than a month. I also believe they intentionally refused to register the return of my funds at Synchrony so no audit trail was recorded to enable them to obscure their mistakes.