23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I initiated the process of re-evaluating the value of our property so that the PMI payments could be removed. PHH sent a letter that requested I send a payment of {$150.00}, and I did. They cashed the check. Then they sent a message saying that actually the cost was now {$190.00}, so I would have to pay an additional {$40.00}. I don't think this is lawful, from a contract perspective, because they quoted a price, I paid, and they deposited my check. I also think it is exceptionally bad business practice and ethics for any company that isn't extortionary.
Product: Credit reporting

According to the FEDAL FAIR CREDIT REPORTING ACT consumer reporting agency may not report negative information that is more than seven years old from the fist date of that account being late.According to credit report file from XXXX/XXXX/XXXX and credit report file from XXXX/XXXX/XXXX show that the items is do for deletion
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts to verify an account in collections by XXXX XXXX XXXX directly and through the Credit bureaus. In XX/XX/XXXX and XX/XX/2018 I sent out a debt validation letter which a photo copy will be attached, and recieved basically responses on both occasions that the debt had been verified. But in reality all I got was a itemized list of charges and no proof of ORIGINAL contracts with my name or signatures which does not meet the FTC guidelines that constitutes proper debt validation. Also XXXX was not able to properly verify and were the only ones to delete the account. Also noticed that Equifax is reporting wrong information on said debt collector, which I will also attach proof of when I tried to request information. Letter sent was returned which I had sent out certified. I had also reached out to the ORIGINAL said creditor and they claim to have no information on such account, and if I'm not mistaken how could the credit bureaus or the collector validate such debt if under the FCRA a proper validation has to be done with the original creditor?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account reporting on my credit report with your credit bureau as of XX/XX/2018. This account from XXXX XXXX XXXX also as XXXX XXXX was reported incorrectly to the credit bureau, due to this account was paid in full on XX/XX/2018. I paid XXXX XXXX {$700.00} by debit card thru the web site XXXX regarding my account number : XXXX. When I received the alert that XXXX XXXX was reporting on my credit report as collection, I called XXXX immediately and spoke to collections district manager XXXX XXXX at XXXX to inform her of the incorrect reporting that is being report on my credit report fromXXXX XXXX XXXX also as XXXX XXXX. XXXX XXXX informed me no problem we can get this fixed and deleted off your report. XXXX informed me she would send a letter stating the account was paid in full on XX/XX/2018 and the account has been approved to be deleted off my credit report due to incorrect reporting. **PLEASE SEE LETTER FROM XXXX XXXX XXXX **
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, 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 ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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.
Product: Debt collection

I had a 13 month lease on an apartment in XXXX XXXX ( XXXX Squared # XXXX ) which is managed by XXXX Properties XXXX The complex closed key amenities in early XXXX, and I communicated the problems with the Resident Relations XXXX XXXX and XXXX. In XX/XX/XXXX, XXXX confirmed in writing that I could terminate my lease in XXXX and I would not owe the remaining two months on my lease agreement. 

Several months later, XXXX invoiced me for the remaining rent and final repairs, etc. I paid the repairs promptly, but sent them copies of the documentation from their building XXXX. Over 2 months, their internal collections team, led by XXXX XXXX XXXX, decided that they would not honor their representatives release of the remaining balance. Despite my good faith efforts to provide all my documentation, they turned my account over to collections, in the amount of {$4500.00}. 

I filed two complaints with the XXXX, and they finally gave up and said I should contact the CFPB for this issue now. I provided the collections agency all my documentation regarding the release of the last two months of my lease obligation. 

My response to the collection agency follows : Please use this email as notice that I am disputing the debt. The property XXXX at the XXXX XXXX apartment building released me from the last two months of my rent obligation because of a material change to the amenities that were included in my lease arrangement. Details follow : 1. The lease documented a list of property amenities for this building, including an outdoor pool, pool deck with grills and an air-conditioned business center/clubhouse. 
2. The XXXX closed the amenities above in early XXXX and could not provide a timeline when they would reopen the amenities. 
3. I spoke to the property XXXX XXXX XXXX XXXX, Resident Relations Coordinator ) who was employed by XXXX XXXX ( Landlord ) on XX/XX/XXXX to discuss the problems, after sending her an email. I requested that if the amenities were not reopened by XX/XX/XXXX, I would like to terminate my lease two months early and vacate the unit on or before XX/XX/XXXX. 
4. XXXX took my request to her supervisor ( XXXX ), and she emailed me with confirmation that this would be acceptable on XX/XX/XXXX ( attached ). 
5. I provided notice in writing and documented the reason for the termination notice.

6. I vacated the unit on XX/XX/XXXX, and spoke to the new property XXXX XXXX XXXX XXXX XXXX ) on-site before leaving, to confirm that my notice was received, and I would not be charged the remaining two months of rent. I provided copies of my documentation to the new property representatives for their records. 
7. I received notice of small repairs and cleanup needed on the unit in XX/XX/XXXX, and paid it in full. 
8. Following that, I received notice of the remaining unpaid rent. I escalated a complaint to XXXX and the Better Business Bureau, since I had written documentation of my release of this obligation from the building management. Despite multiple attempts to share this documentation with XXXX, they were largely uncommunicative. 
9. I have had not contact with the XXXX XXXX XXXXXXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> 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, XXXX XXXX XXXX XXXX XXXX, and Experian XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( 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 XXXX 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. My credit report is still reporting an accounts for XXXX XXXX XXXX XXXX XXXX XXXX  This has cause me great anxiety, stress, and financial hardship.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX GA XXXX Experian RE : Request for Investigation and Remove of Unauthorized Credit Inquiry I checked my personal credit report and I noticed an unauthorized credit inquiry had been made. 

I contacted Experian, who conducted the inquiry and asked them to remove their credit inquiry from my credit report. 

I request that you investigate the inquiries on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above. 

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
Product: Vehicle loan or lease

I spoke with a BMWF rep by name of XXXX several days ago, requested an extension for month of XXXX as a courtesy, due to fact the account has a little more than a year left on it, payoff quote is around {$15000.00} as of today, XX/XX/11. I was denied an extension, account is now over 30 days past due including month of XXXX I plan to make a payment in amount of {$1000.00} on or around XXXX, unfortunately, this will cause the account to become past due again for month of XXXX. I request BMWF grant extension as requested prior, due to length of loan remainder.
Product: Credit reporting or other personal consumer reports

I have proof that my personal information has been compromised/breach through XXXX, Transunion, and XXXX. 
I never gave any of those companies written or verbal consent to disclose my personal information.Now my credit is in shambles and Im being sued by debt collectors!
Product: Mortgage

Ocwen has problems with their website. I finally was able to get logged in to make a payment and it am being forced to electronically sign an admendment. Ocwen has noted that the ageeement is in lieu of documents but clearly mention charging XXXX per document. I can not make a paymet on line or by phone unless I agree. My loan is due to be paid in 2021, this is a clear attempt to punish me as my loan is due to be paid, my balance is just over {$13000.00}.
Product: Money transfer, virtual currency, or money service

My complaint has to do with cash apps lack of response to my instant cash out of {$1000.00}. on XX/XX/XXXX  I cashed out money out of cash app. I was trying to cash it out to my XXXX  account that I added moments prior to me cashing out of cash app. When I noticed it did not go to my XXXX  account I contacted cash app support tried to reverse the transaction that went to a wrong account. Due to their lack of response and their inability to adhere to a customer 's needs that money was spent by somebody other than myself. I contacted cash out for weeks trying to get that money returned to cash out cash app would not reverse the transaction. Due to their lack of response I am now out {$1000.00} I believe cash app should pay me back the {$1000.00} because I tried to reverse the transaction seconds minutes after I hit the cash out button.
Product: Mortgage

In late XX/XX/2020, I accidentally submitted two electronic payments from my bank, XXXX XXXX, to my mortgage servicer, Loan Care ( NMLS # XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, VA XXXX ) The first was the correct payment amount of {$2700.00} and the second added an extra " XXXX '', i.e. {$27000.00}. 

When I discovered this I immediately called my bank to see if they could halt or suspend the payment. They attemped to do so and were unable to. 

Both payments cleared by bank on XX/XX/2020 and were " GOOD FUNDS ''.

XXXX XXXX suggested I call Loan Care and ask them to refund the 2nd over payment. I did so, and they told me to email a request to " XXXX ''. I did that, and they replied stating that they needed a bank statement. At that time, I had not received the bank statement yet but sent them a 'screen shot '' of my bank portal showing the transaction clearing the bank. That apparently wasn't good enough. They replied with a closed " ticket XXXX ''. 

On XX/XX/XXXX, I contacted XXXX XXXX and an agent and I together called Loan Care in an attempt to solve the issue. We were unable to get the issue resolved with the agent, and we asked to be transferred to a supervisor. XXXX XXXX both faxed and emailed documentation that Loan Care requested. 

With each question the XXXX XXXX representative and I asked, more obstacles were presented by the agent, couldn't be refunded to the bank, had to be sent by check, takes a minumum of 10 days, fax might not be found, delay delay, etc., etc. To say the process was frustrating was an understatement. 

The Supervisor eventually found the information XXXX XXXX sent and started a new " ticket '' number XXXX. At the end of the call, however, we felt that the new ticket would be resolved. 

That was 2 and 1/2 weeks ago, and NO communication has come from Loan care. They have refused to return the overpayment. I notified them on the XXXX that if I did not have the refund by XX/XX/XXXX I would be contact the CFPB. That didn't phase them one little bit. 

I do hope you can help. 

Than you. 

XXXX XXXX XXXX
Product: Checking or savings account

I received a CashApp debit card in the mail not associated with my current CashApp account. I contacted the company and they asked me to send them a picture of the front and back of the card and they said they would disable the card. 

I never requested the card but it came in the mail addressed to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX continues to report a collection to Experian and XXXX  that was removed through dispute process by XXXX. This is causing a huge gap in my credit scores and they should be accurately reporting ( by removing said collection account ) to all 3 bureaus. This is a debt that I was not the guarantor for and any attempts to amend the inaccuracies have come short due to XXXX XXXX XXXX lack of decent customer service skills. The attached email from the original leasing company clearly states the guarantor name. Additionally it states the accurate date of first delinquency which is nearly a year prior to the reported collection. After 2 years of haunting my credit report, this collection must go.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted disputes on my credit report with XXXX, Equifax and XXXX on XX/XX/XXXX. I included all required information to prove my identity including my driver 's license and a current electric bill. All 3 companies sent me letters stating that they needed more proof of my identity before they could do anything. On XX/XX/XXXX I sent all 3 companies a copy of my driver 's license, a copy of my social security card and a copy of a letter from the post office showing my change of address along with my disputes. Once again they have sent me letters requesting the same information from me that I have already supplied them with such as, ID, Social Security Card and proof of address. My letters were very clear and I believe this to be a stall tactic on their part to allow the creditors that I am disputing to have more time and keep these items on my credit report.which is a clear violation of my rights as a consumer. This is keeping me from getting a mortgage because they are n't doing their job properly. Please look into this because this is hindering me from doing a lot.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDOT BUREAS HABE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE THAM 30 day they are in violation of the " FAIR CARES ACT '' DEPT OF EDUCATION/XXXX  Balance details XXXX % paid off Balance {$4600.00} Balance updated XXXX XXXX, XXXX Original balance {$5200.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Education Payment summary XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - PAYMENT HISTORY LEGEND Status Open/Never late. 
Status updated XXXX XXXX Original balance {$5200.00} Monthly payment {$0.00} Last payment date XXXX XXXX, XXXX Additional info XXXXesponsibility Individual Terms XXXX Months Company sold - Original creditor - Comments Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) Your statement **CONSUMER STATEMENT** Y ITEM DISPUTED BY CONSUMER Contact info Address XXXX XXXX XXXX XXXX XXXX, NE XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Money transfer, virtual currency, or money service

Someone else is using all my personal information and all my finances, benefits and bank account
Product: Credit card

I went in to an XXXX store in XXXX, XXXX on the weekend of XX/XX/2017. I was visiting from my home in XXXX. I purchased an item, a briefcase bag. There was no sign displayed detailing a return policy of any sort. I left with the bag. When I got the bag back to my hotel, I noticed a split in the leather at the point where the bag would bend. The next day, I took the bag bad to a second XXXX store because it was closer to my hotel and I was leaving on the plane that day. They told me that they had a special return policy where I could only exchange the bag. Being from XXXX, and afraid that my replacement bag would break in the same way as well, I declined. I next called American Express, my credit card. The agent told me that they could not do anything for me until the charge posted, but that I had purchase protection should the merchant not allow me to return the bag. I was then transferred to the American Express Insurance Company. I stood there at the store counter and filed my claim. The Amex representative told me that my defective bag was eligible for coverage up to 90 days and other plan and claim information. As I was doing this at the store counter, the store manager was listening to me file a claim. He said it was not their store policy but that he would give me a gift card instead. I ASKED the Amex Representative about this, because I did not want a gift card. I live in XXXX, there are no XXXX stores there, I can not use a gift card there. He said very little, just that I could accept a gift card in exchange for the bag. He said nothing about how this would impact my claim for insurance. He still said my claim After speaking to the representative, I left the store with the gift card instead of the defective bag upon the advise of the American Express Insurance representative. American Express Insurance subsequently denied my insurance claim on my credit card because I do n't have the bag. I feel cheated, tricked, and misled by my own credit card. The agent never once told me that I should hold on to the defective bag instead of taking the gift card. He instead told me I could take the gift card and failed to ever mention that it would invalidate my insurance claim that he was filing for me. I subsequently called back and another agent told me " I should have know that a gift card was an excluded item. '' The American Express agent actively led me into a circumstance where they would not have to cover my purchase to their benefit and my detriment.
Product: Debt collection

I saw an entry on my credit report from National Credit Systems. I wrote them a letter and they never responded to me, they only updated my credit report that I owe {$59.00}. I then researched the internet for the company and found them online. There is a section that allowed me to put in my social security number and the amount owed as listed on my credit report. It would not accept the information to allow me into their system. I have attached a screen shot of the information as listed on my credit report and the section in red the keeps asking me for valid information. As a result of this company not responding to my letter and I can not enter their system to verify this account how can they report on my credit repot that I owe this debt? And if I do owe this debt they are not communicating with me or allowing me into their system to verify this. It appears they just want to report negative information and can not verify to me I owe this debt. They are violating my rights and reporting false information on my credit report to damage my financial character and causing me XXXX.
Product: Money transfer, virtual currency, or money service

I have opened the account with Paxos on XXXX. Then I sending money XXXX XXXX from my XXXX account to the Paxos. Normally it will arrive within minutes but since XX/XX/XXXX the money is still being processed. I tried all the way to call to send email. Paxos only reply to me to wait and they are busy. No real one is working on my issue. 

2023 Paxos Trust Company , LLC All Rights Reserved. XXXX # XXXX