23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

The Attorney for my mortgage company ( XXXX XXXX XXXX XXXX XXXX XXXX, as Trustee for XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mortgage Pass-Through Certificates, XXXX XXXX ) failed to send crucial and extremely important documents to my husband and myself. This despicable tactic took place both in XXXX and XXXX of this year. While in the middle of a judicial court battle, this attorney certified that on XX/XX/2019, a true and correct copy of the Memorandum of Opposition was served by U.S. Mail, first-class postage prepaid, to my husband and myself at our address. These documents NEVER arrived in the mail. When we inquired of this attorney, she claimed she was not required to send these documents as certified mail, which would have the ability to be tracked. She stated in an email, the following, " The package gets prepared and then sent to our clerk to mail out. It goes out via regular mail. It is not anything I can track. I do have the pkg I scanned in and sent for mailing, along with my signed certification that it was mailed out. There wouldnt be anything else I can provide youas it is not certified mail, nor is it required to be. '' This despicable tactic again took place on XX/XX/2019, as this attorney certified that a true and correct copy of the Motion for Summary Judgment was served by U.S. Mail, first-class postage prepaid to both my husband and myself. Once again, these documents NEVER arrived in the mail. When we again contacted this attorney as to why she never sent these documents to my husband and myself, she stated in an email, the following, " Here is a copy of the Motion for Summary Judgment we filed, mailing certificate on page 78. Certified mail is not required, only regular mail is. I dont have tracking I can provide you, all that is required is the certificate of mailing. '' Ironically, these documents arrived to our local court with no issue. It would be literally impossible for all 4 of these mailings to have been lost in the mail which were SUPPOSEDLY sent separately to my husband and myself. The XXXX mailings were 79 pages. The type of packaging these 79 pages would have required should have a bar code and should be very easy to track through the postal service if they had in fact been mailed.
Product: Credit reporting or other personal consumer reports

Transunion has failed to do a proper re-investigation according to FCRA. I received a copy of my credit report and noticed inaccurate Information reporting. Pursuant to, 15 USC 1681, Accuracy and fairness of a credit Report. According to the law, before any information is inserted to my consumer report, it must be accurate and fair Information reporting. XXXX XXXX account numbers ending in XXXX and XXXX are fraudulent accounts and are reporting with different information on all from Transunion, XXXX, and XXXX which proves there has been no proper investigation done. Transunion is currently reporting negative information as a violation to federal laws. ANY CREDITOR FURNISHING INFORMATION TO A CREDIT REPORTING AGENCY MUST PROVIDE A SIGNED DISCLOSURE FORM FROM ME THE CONSUMER STATING THAT I THE CONSUMER GAVE THE CREDITOR PERMISSION TO REPORT. ( 15 usc 6801 Protection of Non- Public Information ) PLEASE PROVIDE THE DISCLOSURE FORMS RECEIVED IN YOUR INVESTIGATION WHEN ACCOUNTS WERE FIRST PLACED ON MY CREDIT REPORT. 15USC 1681 B PERMISSIBLE PURPOSE OF CONSUMER REPORT. AS A CONSUMER REPORTING AGENCY YOU ARE SUPPOSE TO GET WRITTEN INSTRUCTIONS FROM ME STATING THAT IT IS OK FOR YOU TO REPORT ON MY CONSUMER FILE. YOU DID NOT GET PERMISSIBLE PURPOSE FROM ME THE CONSUMER TO REPORT ON MY CREDIT REPORT. THE INFORMATION REPORTED ON MY REPORT IS NOT FOLLOWING THE INDUSTRY STANDARD CODE. HOW WAS THE INVESTIGATION CONDUCTED? PURSUANT TO 15USC 1681A ( E ) INVESTIGATIVE CONSUMER REPORT YOU MUST PROVIDE ME PROOF OF THE INVESTIGATION. I'm aware of my rights and according to the Fair Credit Reporting Act, I have the right to challenge anything and everything that I'm unsure of. I am demanding that you reinvestigate this account immediately. If you can't provide proof of the reinvestigation, these accounts must be deleted according to 15 USC 1681 i, ( Treatment of Inaccurate or Unverifiable ). In general, if after any reinvestigation under paragraph 1, of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer. The law is very clear as to civil liability and remedy available to me. Furthermore, failure to honor this reinvestigation will lead to you being responsible for {$1000.00} per violation. Thank you for giving this your prompt attention.
Product: Checking or savings account

Money stolen out of my checking fraud charges by a scam XXXX dollar taken out of my checking account .Wells Fargo refuses to return my money 5 airline tickets purchased and credit agency all not in my name an they refuse to pay me..
Product: Credit reporting or other personal consumer reports

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently, I reviewed my credit report and noticed several inaccuracies on my account with U S DEPT OF ED/XXXX  This inaccurate information is negatively impacting my ability to obtain credit. 

I am requesting that you investigate and verify the accuracy of this account information. 

Here is the item I am asking you to verify as accurate : - Account : U S DEPT OF EDXXXX - Account Number : XXXX Thank you for your prompt attention to this matter. 

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

As per the Fair Credit Reporting Act, specifically 15 USC 1681 section 602 ( a ), it emphasizes the importance of consumer reporting agencies conducting their responsibilities fairly, impartially, and while respecting the consumer 's right to privacy. Equifax and XXXX are recognized as consumer reporting agencies, and as a consumer, you hold the right to ensure the protection of your private information, as supported by 15 USC 6801. Under 15 USC 1681 section 604 ( a ) ( 2 ), it is stated that a consumer reporting agency may only furnish a consumer report based on the written instructions of the relevant consumer. The financial institution, classified as the " Furnisher of information to credit agencies '' in this case, falls under the definition of a financial institution according to the relevant title. Therefore, both the financial institution and consumer reporting agencies such as Equifax and XXXX do not possess your consent to furnish your information, specifically without your written consent, as mentioned in the statute. Furthermore, 15 USC 6802 ( b ) ( c ) explains that a financial institution is prohibited from disclosing nonpublic personal information to nonaffiliated third parties unless the consumer is informed of their option to exercise nondisclosure. In this case, the " Furnisher of information to credit agencies '' failed to inform you of your right to exercise the nondisclosure option, which is a violation. Additionally, 15 USC 1681C ( a ) ( 5 ) states that a consumer reporting agency is not authorized to include certain items of information, including adverse items, in a consumer report without your permission, unless permitted under subsection ( b ). Therefore, their reporting of this adverse item without your permission is a violation of the law. Moreover, 15 U.S. Code 1681s2 ( A ) ( 1 ) stipulates that a person must not provide any information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. Equifax and XXXX are required to maintain reasonable procedures to avoid violations of section 1681c and to restrict the provision of consumer reports to the purposes listed under section 1681b, as outlined by 15 U.S. Code 1681e. Lastly, according to 12 CFR 1016.7, a consumer has the right to opt out of reporting services at any time. Therefore, I am exercising my right to opt out of their reporting services.
Product: Checking or savings account

when attempting to reset my forgot password I opt to get a code sent to my phone via txt msg. after receiving code via text for password reset of online banking login the online site at www.banking.barclaysus.com will not give men the option to enter this code anywhere only have option to send txt msg ( code ) again. will not let me reset password! 
same with email and phone request code opt.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX Balance : {$240.00} 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

Account was fraud, see police report. XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX show negative comments from victim of identity theft/Fraud, etc. Including each bureaus i.e. XXXX XXXX, XXXX, and Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please research my credit history. You can see that it was great until XXXX XXXX XXXX. My Mortgage company ( Caliber ) has ruined my credit. Ive argued with them for over 6 months. Caliber management is adamant they are right, and more importantly, I am wrong. I filed a XXXX  claim against them back in XXXX and my account has been flagged. I cant speak to customer service about my account without having to go straight to a manager. This is retaliatory and unfortunate because customer service seams competent and helpful. 

Caliber, in ERROR, added escrow to my account in XXXX. They later corrected it in XXXX. However, they credited escrow for most of my XXXX payment. I found out in XXXX that they sent me a check in XXXX for the amount that was sent to escrow. I never received it, nor was I expecting a payment. I never received, cashed, or was wired any money from Caliber. Every month we are on the phone trying to figure out why they are sending us delinquency notices and why they say our account doesnt balance. On our end, we show that the amounts we paid equal the amounts we owe as of XX/XX/XXXX '. Customer Service saw our issue and promised a returned call by a manager. Finally, in XXXX a customer service rep tells me in mid XXXX that a check was sent back in XXXX. Caliber puts a stop on the check and reissues. So, in XXXX I receive a check, I deposit and send back to Caliber. Now they show my balance as resolved. Meanwhile, to the rest of the world, Im late paying for XXXX, XXXX, XXXX, XXXX, XXXX and maybe XXXX. 

If Im delinquent, why are they sending me money. Why couldnt they just keep it and not ruin my credit? A Caliber manager that I was forwarded to insisted that as soon as they wrote me a check for the escrow reimbursement back in XXXX, I was delinquent. If I havent received the money, Caliber still has the money. I didnt get the money until XXXX. Caliber management is not going to research anything. If their screen reads late. It is late. PERIOD. 

This all began by a Caliber error. My account should have never been thrown into escrow. My payments should have always been {$1200.00}. If Im late, it is just for XXXX and XXXX. That is when my wife was on the phone with them trying to figure out why they applied escrow to our account in the first place. Im not doing this because of the $ XXXX late fees. Im doing this because my credit that I spent 30 years building has been trashed in 6 months by a payment misunderstanding. 


Please help,
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 violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they didnt comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have causes significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has refuse to send me verification of a debt collector name XXXX XXXX that has been reporting on my credit report that account does not belong to me and i have no knowledge of that account
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXXXXXX XXXX, FL XXXX ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1200.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX  are reporting incorrectly a collection in the amount of {$230.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I had XXXX XXXX XXXX and was in the XXXX. During this same period of time my wife also had to have XXXX Both my wife and I were treated with participating providers with XXXX XXXX XXXX. We met all of our deductibles on the health care insurance plan and therefore there should not be any outstanding balance due. I have attached a copy of my insurance card for reference. First, I never received any Explanation of Benefits showing there was an outstanding balance due ; Second, it is outside the statute of limitations for XXXX XXXX XXXX to process this claim ; and Third, it is outside the statute of limitations for payment. This billing error was not my fault. XXXX XXXX XXXXXXXX  insurance billing department should have properly remitted the paperwork. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted customer service at XXXX XXXX XXXX as well as the bureaus to remove this however, I have not been successful.
Product: Debt collection

Tried calling XXXX XXXX 's office to workout a payment arrangement and they were rude and demanded the full amount in judgement and refused to allow payments on it. XX/XX/XXXX they tried to garnish my entire check from a previous employment but we're not successful. On XX/XX/XXXX they had me summoned to court for more than the original amount owed by 3 times.
Product: Student loan

I enrolled at XXXX where I was not given exact cost information about the program I was enrolling. I was also told my loan payments would only be {$50.00} total a month. I can not afford to make my momthly payments. I was also promised quality education, in which I did not receive. I failed classes multiple times, and when I asked for help I was referred to XXXX. My finance advisor also told me I would n't be charged for repeating classes since the instructors refused to help me. 

I was also told the school has had accreditation for years and was in good standing. I was promised a high paying job after graduation. I dropped because I could n't receive help with my school work. I was also not told I could test out some of the classes I had taken.
Product: Credit card or prepaid card

I bought a flight from XXXX, XXXX to XXXX, Georgia on XXXX XXXX with my chase sapphire preferred credit card. On the date of my departure, XX/XX/XXXX, my flight was delayed over 13 hours due to a mechanical failure of the plane. This caused me to land in XXXX at XXXX on XX/XX/XXXX instead of landing at XXXX. I had planned to drive back to my hometown, but was forced to spend the night in XXXX due to the delay. 
The chase sapphire card says that it will cover up to {$500.00} per night for delayed trips over 13 hours due to a mechanical failure of the plane. 
Chase is refusing to cover my hotel because the hotel was used the night after the delay rather than the night before. I was forced to stay in XXXX for the safety of drivers on the interstate due to the delay of my flight. 

It was very difficult to pay for a hotel after XXXX ( most hotel 's booking systems would not allow us to pay for a room. ) After being turned away from three other hotels, I found a room at the XXXX XXXX  on XXXX XXXX XXXX XXXX for {$350.00} on XXXX at XXXX XXXX. Chase requested various documents for 8 months before telling me that they wouldn't pay for the hotel. I have been talking to chase bank and XXXX ( their third party claim fulfillment company ) since XX/XX/XXXX. Today is XX/XX/XXXX and they have officially told me that they will not pay for the hotel. My eclaimsline claim number was : XXXX
Product: Credit card

In XX/XX/year>, my TOMO credit card was unexpectedly blocked. The credit line for this card is {$1000.00}, and it currently shows a credit balance of - {$1400.00}. This negative balance indicates that there was a refund of {$400.00} from a merchant, which means TOMO Credit owes me this amount. Despite this, I am unable to access or use my card. 
I have made numerous attempts to contact customer service department to resolve this issue, but I have been met with automatic replies that do not address my concerns or provide any solutions. The lack of effective customer service and communication is unacceptable. 
I urgently request the following actions : Immediate unblocking of my TOMO credit card so that I can use it again. 
Confirmation and processing of the {$400.00} refund that is owed to me. 
A direct response from a customer service representative to resolve this issue as soon as possible.
Product: Student loan

This is my 2nd complaint to be filed by me for the Peaks Loan. My first was for the fact that I did n't know who the heck they were or what they were since I signed an agreement with XXXX XXXX to service my temporary school credit. After establishing that peaks was the new servicer and paying 3 years of {$220.00} payments my balance never went down. I have tried to secure a means of refinance but due to Peaks over zealous reporting habits, my credit score took a huge hit. I was no longer able to refinance the loan and could not get anyone to loan me the {$9000.00} dollars they said I still owed after 4 years. My famly has since fallen apart and have been going through a really tough divorce that has lasted a year now. During that time I was no longer able to pay on the loan due to high childsupport payments and attorney 's fees. The company was contacted and told the situation but was not willing to help. A few months later during their investigation period with the SEC, they contacted me and tried to inform me about refinance options which were even at a higher rate eventually than the existing rate. I declined and asked for forbearance and in the past that was usually handled over the phone, well this time I was told that I would receive an email with the form to apply for forbearance, that I would have to fill out on my own. That email never came and now I get a letter from them in XXXX XXXX that my Peaks Loan is now in Default. Outraged, I have chosen to not return the single call, from the company, to me since that letter. My credit report shows that the Peaks loan was started XX/XX/XXXX. I had never heard of Peaks until after graduation in XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fear Credit Reporting act XXXX Accounts # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX has violated my tights. 


15 U.S.C 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.
Product: Credit reporting or other personal consumer reports

According to 15 USC 1681 ( A ) : ( d ) Consumer Report. 
( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; I never gave Discover Bank or any known affiliates the right or authorization to report the balance of any credit card in my possession onto my credit report. I disputed through XXXX on their online portal and was denied. Discover Bank is in direct violation of 15 USC 1681A by reporting this information to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the years of 2015 all my students loans was placed on a forbearance program. Navient is reporting it was not. On my credit and the attached documents Navient continue to report that I was 90 days late on XX/XX/2015 but made a payment on XX/XX/2015. How can you be 90 one month but not late or make a payment the month before. This is clearly a violation of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are last payments being reported on my Credit Report XXXX XXXX XXXX XXXX ( XXXX  ) Acct # XXXX Late Payment : XX/XX/2XXXX XXXX