23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I reached out to Homeloanserv for the Covid Forbearance and then around XXXX of XXXX my account was reviewed and elgible for the FHA Partial Claim/Modification program XXXX Well Homeloanserv sent my paperwork after XXXX XXXX weeks to a stranger with all my personal information it and a higher amount that was incorrect. I asked them to hold off because i was approved for a grant that bought my mortgage current and then spoke with supervisor XXXX that gave me an option to modify my loan. It took over 4 months to receive the modification agreement. During this time my property taxes was paid early XX/XX/XXXX. Homeloanserv did not do an escrow analysis or anything for me. They waited until XX/XX/XXXX to process my modification and posted late on my account. A payment for XX/XX/XXXX of {$1800.00} was sent to Homeloan on XX/XX/XXXX and they have it posted on my account with the wrond date XX/XX/XXXX. I have enough money in my escrows over {$9000.00} to cover my property taxes for rest of year including property taxes over {$1600.00} that was included into XXXX & XXXX XXXX payments. They have not sent me a surplus refund or even asked if i wanted it. Homeloanserv did not pay my property taxes to XXXX XXXX. They wont even provide me with proof of their payment which i requested already. I am double paying property taxes and my loan should be updated and overall monthly payments reduced with the prepaid taxes in the escrows. They wont return my calls, they are lacking in professional principle ethics and not communicating with me or granting any type of help. Just taking me in circles with stress and frustration which would leave me with inaccurate mortgage finance numbers on my account and push me to be late or possible foreclosure. I dont understand their unprofessional behavior. I need a resolution immediately
Product: Debt collection

Hello, I have tried to resolve this issue with CREDIT BUREAU SERVICES in regards to an apartment that was obtained due to identity theft. I have disputed this account directly with this company. I have sent them my identity theft affidavit and police report but they continue to report and the last two dispute letters I sent them, they have failed to respond. The first letter certified letter was sent to them in XX/XX/2018 with a tracking number of ( XXXX ) and after they didn't respond so I sent them a follow up letter in XX/XX/2018 with the tracking number of ( XXXX ). They sent me a screen shot of a contract that had a signature but I never signed that. I has been well over 30 days and i just want monetary damages and the account to be deleted immediately. Being that the disputed was not responded to well over 30 days I would like this account to be deleted from all XXXX CRA 's.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX MY CONCERNS WERE IGNORED Date opened XX/XX/XXXX Balance Paid in full Status Transferred, closed. 
DELETE PAYMENTS SHOWN AS LATE XXXX XXXX XXXX XXXX  REPORTING INCORRECT DATES Date opened XX/XX/XXXX Balance o paid in full and written off by creditor multiple years in arrow then sold the debt to it self and other creditor Status Transferred, closed DELETE PAYMENTS SHOWN AS LATE XXXX XXXX XXXX XXXX  Reporting incorrect information Date opened XX/XX/XXXX Balance {$24000.00} is incorrect Status Open. Balloon payment of {$3100.00} due XX/XX/XXXX DELETE PAYMENTS SHOWN AS LATE XXXX No contract with creditor. Creditor has fail to provide signature contract with original debtor Date opened XX/XX/XXXX is incorrect Balance {$4500.00} incorrect Status Collection account. {$4500.00} past due as of XXXX XXXX. Incorrect. 
Verify account or delete from my record. 
Creditor has written debt off multiple years in a row since XXXX. XXXX opens closes account without written notifications. 

XXXX XXXX contract with creditor. Creditor has fail to provide signature contract with original debtor. 
Date opened XX/XX/XXXX is incorrect Balance {$3000.00} is incorrect Status is incorrect.

Collection account. {$3000.00} past due as of XXXX XXXX. This reporting is illegal and it is infringing on my consumer privacy laws. 
Verify account or delete from my record. 
Creditor has written debt off multiple years in a row since XXXX. XXXX opens closes account without written notifications.
Product: Credit reporting or other personal consumer reports

In my initial complaint with number assigned : XXXX, I requested removal of all derogatory remarks on the account, including late payments for the months XX/XX/XXXX and XX/XX/XXXX and {$1000.00} per FCRA violation. Equifax has responded with an update and annotated notes according to their reinvestigation that does not resolve or respond to any of my complaints. They have updated my report with This creditor has verified to our company that the prior paying history is being reported correctly. This creditor has verified to our company that the current status is being reported correctly. The following fields have been modified : *Additional Information *Activity Designator. I have attached the report to this complaint for the CFPBs review as this does not respond to the complaints made. The creditor verifying the accuracy does not respond to violations 15 USC 1681a ( 2 ) ( A ) ( i ).

The FCRA OR 15 USC 1681 section 602 states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX fails to exercise their responsibilities with fairness, impartiality and a respect for my privacy by not responding to the initial complaint and simply updating the account with no due diligence.

15 USC 1681a ( 2 ) ( A ) ( i ) states exclusions from consumer reporting which includes report containing information solely as to transactions or experiences between the consumer and the person making the report. Reporting transaction history is illegal and 15 USC 1681 ( 5 ) states Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years should be excluded from consumer reports. The account is in an adverse condition due to the reported late payments that is factored into a FICO score.

Furthermore, 15 USC 1681 ( e ) states that Every customer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title.

I demand the late payments be removed, and to be compensated {$1000.00} per FCRA violation.
Product: Debt collection

There is. A fraudulent debt for. XXXX in. The amount of XXXX. That. Was fraudulently put on. My. Locked credit profile as a. Collection. This debt was sold. 3-4. Times and removed previously by all. 3 credit bureaus.. I filed a police report online and in person several years. Ago.. 


This. Fraudulent. Debt was the original cause of my credit file being locked and. I have. To keep having. It removed every few. Years.. 


Credit Resource. Mana has no right to put any charges on my credit and this fraudulent. Charge. Was. Placed on my credit profile from a. XXXX debt that was removed as. XXXX and by several other entities that XXXX  sold the. Fraudulent debt to. Over the years..
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act " XXXXXXXX XXXX XXXX/ account # XXXX has violated my rights. 15 U.S.C. 1681 section 602A states that I have a right to privacy. 15 U.S.C. 1681 section 604A states that a consumer reporting agency can not furnish an account without my when instructions.
Product: Debt collection

The following is an email I received from Ace Cash Express Payday Loan from XXXX : I have not worked with Ace Cash Express or have an account with this company. 

Ace Cash Express Payday Loan This is Attorney XXXX XXXX calling from The XXXX XXXX XXXX, XXXX TX billing department. 

We are emailing you concerning an overdue bill. 

Case # XXXX Your Billing amount of {$740.00} Contact at : XXXX XXXX XXXX I have a bill here for your name the unpaid loaned amount of {$740.00} is your past due. I know its easy to forget about bills, but Id hate to see this go on your credit report with the legal charges below via courthouse. 

XXXX XXXX XXXX XXXX HAS STATED 4 SERIOUS ALLEGATIONS AGAINST YOU AND THEY ARE : ( 1 ) VIOLATION OF FEDERAL BANKING REGULATION ( 2 ) COLLATERAL CHECK FRAUD ( 3 ) THEFT BY DECEPTION ( 4 ) ELECTRONIC FUND TRANSFER Our policy is to send bills more than 180 days overdue to a collection agency, but if you can take care of this right now, we wont need to do that. I realize thats a large sum. But Id still like to work with you to avoid this being on your credit report. 

We can offer to split that into a one-time case settlement payment of {$540.00} and close this case today, or 3 Biweekly payments of {$250.00} each until the loan amount of {$740.00} is paid off. 

If you can make the first payment right now, I can set your account up so that its no longer delinquent. 

Kindly let us know are you willing to resolve this matter out of the courthouse or we should proceed further with the legal charges against you. Once this case will be downloaded against you then we wont be able to help you out. 

Note : This is your last and final chance to settle this case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report XX/XX/XXXX and seen this credit card account listed as a charge off. The account is showing the creditor as XXXX XXXX and a status of charge off. I have sent in letters to each credit bureau asking for proof or validation that account belongs to me. I have not received any of the documents I have asked for. I have pictures of my certified receipts as well as one of the many letters I have sent in asking for validity of the account. I have no knowledge of this account belonging to me.
Product: Mortgage

I received an email from Mr Cooper XXXX XXXX on or around the XXXX of XXXX regarding changes to how I can pay my mortgage which included changing my due date to meet my schedule. When I called on XXXX to inform Mr Cooper that XXXX wanted to change my due date I was told that I could not change. I referred to the email that I received and was told that they had not sent any emails to me and it was a scam. When I confirmed that the email did come from Mr Cooper I was then told that oh yeah I got it too but it was sent out by the marketing department. I was then told that the only way I can change my due date is to refinance my mortgage and that is why I received the email as part XXXX a marketing plan for the company. I feel the email was misleading and false or misleading. I
Product: Checking or savings account

Approximately a year ago, there was a fraudulent attempt on my account to use the integrated XXXX application to transfer money out of my account. I caught it in time and asked Regions Bank to disable my integrated XXXX app which they did. 

A little over two months ago, I was elected as XXXX of an organization and needed to use the XXXX app to receive funds from the members such as dues, contributions and other activities. Since I asked them to reactivate it, they have been unable to do so. The first couple of attempts resulted in my XXXX account having a block still on it. After several more attempts, they advised that it was fixed. Not so. I can send money with it but can not receive money which is exactly what I need to do. 

The bank has been rather cavalier in their approach to correcting my problem. I have even suggested they contact me one a week for an update on their progress. They have not done this. 

There must be a fix to this problem but they seem in no hurry to discover what that may be.
Product: Credit reporting or other personal consumer reports

FINAL NOTICE! 

I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES FEDERAL LAW.

Please block and remove all erroneous information from my credit report and send me an updated copy.

Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n - Civil Liability for Willful Noncompliance, 15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance, and 15 U.S. Code 1692k - Civil Liability : I am entitled to monetary compensation due to your multiple violations. Specifically, under FCRA 15 U.S.C. 1681i ( 6 ) ( Notice of Results of Reinvestigation ), a consumer reporting agency must provide written notice to a consumer of the results of a reinvestigation within 5 business days of completion. Failure to do so constitutes a violation of my rights.

Additionally, as per FCRA, a " consumer report '' excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Including late payments or derogatory statuses constitutes an infringement of 15 U.S.C. 1681a ( d ) ( 1 ). 

Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed.

( 4 ) The creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error in the creditors accounting on a statement.

This is a clear violation of the United States Code Law ( TILA, 15 U.S. Code 1666 ( b ) ). These accounts must be updated to reflect " paid on time. '' Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!.

Collection Accounts listed below in yellow color highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately!

Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report. 
Please update my credit report as per law abiding accuracy of data.
Product: Money transfer, virtual currency, or money service

lam 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 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 for these violations
Product: Debt collection

1. Plaintiff or Collection Agency Information : Name : Suttell Hammer Law Firms Amount Claimed : {$5000.00} Date of Claim Notice : XX/XX/year> Subject : Violation of the FDCPA by Suttell Hammer Law Firms 2. Complaint Details : On XX/XX/year>, I received a notice of lawsuit filed by Suttell Hammer Law Firms, related to an alleged debt of {$5000.00} However, I never received a debt validation letter prior to the lawsuit, as required by the Fair Debt Collection Practices Act ( FDCPA ).

Under the FDCPA, debt collectors must notify the consumer in writing within 5 days of first contact, providing details about : The amount of the debt.

The name of the original creditor.

The consumer 's rights to dispute the debt within 30 days.

In this case : There was never any prior communication or validation letter before the lawsuit.

During the legal process, the only document presented by Suttell Hammer Law Firms was an affidavit, without including the original contract, itemized invoices, or proof of assignment of the debt.

3. Impact : The lack of proper validation denied me the opportunity to dispute the debt or seek a resolution before facing a lawsuit. This has resulted in : Financial stress due to the judgment against me.

Damage to my credit history due to the reporting of this debt without proper validation.

4. Request : Based on the above facts, I request the following : An investigation into Suttell Hammer Law Firms ' practices related to this lawsuit and their compliance with the FDCPA.

The imposition of appropriate sanctions if it is confirmed that they violated the law by failing to notify me and validate the debt before proceeding with the lawsuit.

That the plaintiff be required to produce full validation of the debt, including the original contract and itemized invoices.

5. Attached Documentation : I am enclosing the following documents as evidence : Copy of the notice of claim received on XX/XX/year>. 
Declaration that I did not receive a prior validation letter from Suttell Hammer Law Firms.

6. Contact Information : I am available to provide additional information if needed. Please contact me at XXXX Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  which services Sterling Jewelers credit card is reporting a list of inaccurate information on my closed Sterling Jewelers credit card account. I had filed a complaint with the XXXX about XXXX XXXX  reporting unauthorized accounts on my report which they had to remove. Immediately after, my Sterling Jewelers account which had been closed since XXXX suddenly had a list of adverse information attached to it by XXXX and it was showing up as a 'recent bankruptcy. ' Ridiculous. The following adverse claims are currently showing up on XXXX, " potential late payment as of XX/XX/XXXX, account included in XXXX  XXXX bankruptcy, dispute resolved consumer disagrees. '' XXXX is reporting, " Consumer disagrees after resolution. '' And my entire positive payment history has been deleted. XXXX is reporting, " XXXX  XXXX bankruptcy, consumer disagrees after resolution. '' And the credit alert popped up and said, " New bankrtupcy '' on my credit, taking a huge amount of points off of my credit score. Until now I never had a reason to dispute that account, a dispute indicator was added when I had never disputed that account. And that the consumer disagrees with the resolution. Where did all this completely false information come from? It needs to be fixed immediately. This is preventing my family from applying for safer housing. It's completely unacceptable. I filed a XXXX  Complaint against XXXX  which they closed without my reply, and a XXXX  Complaint against Sterling Jewelers which they did not answer. I also now had to dispute the account with all three bureaus. This matter remains unresolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

The three bureaus are reporting an account that was under litigation and that was 100 % settled and a nonsuit with prejudice was filled with the court. Documents attached, still the credit bureaus are reporting as charge off with a balance of {$850.00}. We have contacted XXXX  and they requested me to complaint and dispute the accounts with the bureaus which we did but this did not work and I see the account reported. This is illegal and in case they don't take action and remove the account I will have to sue the three buraus. This is not Right!. 
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate 15 U.S.C, 1681section 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 an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports. XXXX XXXX Date Opened : XX/XX/ Balance : {$0.00}. Please remove.
Product: Prepaid card

My money was stolen, I filed for a dispute and they said I would get an update today it is XXXX in the afternoon I have yet to hear anything after calling and emailing several times. 

Account Number : XXXX Claim Date : XX/XX/2024 Claim Number : XXXX Claim Amount : {$1500.00} Just tired of getting the run around half of them can't even really communicate with me correctly it's just a big mess and now I'm out of my savings and rent.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX On XX/XX/2019 We had a dentist dental for a cleaning '' appointment for our XXXX year old son. They put 3 concreted braces on his top 3 teeth with out even consulting us. I was furious we already had plans for a different orthodontist I felt pressured and wronged and I signed the contract that day just giving in to what they already did. We went home and called them and told them we are never going back please cancel. They refused to cancel and slapped XXXX on my credit : ( The next week we went to our personal orthodontist and he took them all off fixed them and started braces with him. He is about ready to get them off and all paid off. XXXX XXXX did me wrong they refused to cancel and it ruined my credit and now I have a recurring debt that is getting higher with interest. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXXXXXX XXXX XXXX XXXX Balance : {$110000.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$17000.00}