23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

American Pacific Mortgage Company frauded me and refuse to rectify the situation despite acknowledging they are at fault. As a first time homebuyer using an FHA-government program through this lender, my partner and I signed multiple closing documents for our home on XX/XX/2023 where the interest rate for our second mortgage ( covering down payment ) was 0.00 %, and were shown multiple instructional/cover sheet documents explaining the 0.00 % rate we were signing for. Shortly after we closed, American Pacific Mortgage Company and their subsidiary XXXX XXXX XXXX sold my mortgages to XXXX XXXX, in a deal that said our second mortgage has a 6.25 % interest rate. This will result in over {$11000.00} in charges and dinged credit score to us as we wait for this company to rectify their error with XXXX XXXX. Despite multiple pieces of evidence to prove American Pacific Mortgage Company/XXXX XXXX XXXX is in the wrong, they refuse to rectify the issue or even answer my calls or my government-assigned mortgage counselor 's calls. From their lack of communication, I can only assume American Pacific Mortgage Company/XXXX XXXX XXXX is attempting to profit off me and the government using predatory and fraudulent, illegal lending practices. I hope they do the right thing and fix this issue asap, considering my only home and well-being depend on it.
Product: Credit reporting or other personal consumer reports

Spoke with Barclays XX/XX/XXXX. I'm always on time with payments and this would be considered my XXXX late payment with a new card that I applied for XX/XX/XXXX with JetBlue. My original purchase was for {$2400.00} which I was understood that the {$99.00} annual fee was included. With this knowledge I paid off the balance in full for the {$2400.00} on XXXX. Apparently, Barclays sent out a statement then on XX/XX/XXXX with the separate charge of the {$99.00} annual fee and I never received the card in the mail nor the statement. I typically pay off balances as soon as I can and was under the impression my balance was paid in full. I learned on XX/XX/XXXX when I was applying ( and denied ) for a HELOC loan with XXXX  that I had a delinquency with Barclays. Being completely unaware, as I paid off my balance on XXXX and have not since used this card, I was in shock so I contacted Barclays immediately. They are helping me to resolve this and the issue has been escalated as well a written letter sent into to resolve. They were able to take off the late fees and interest charges and I paid the annual fee amount of the {$99.00} on XX/XX/XXXX as soon as they let me know this was not in my original purchase ( that I paid off ). I would like this to not impact my credit score as I've worked hard to get it where it is and this one mishap took it down over XXXX points. I hope someone is able to help me resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 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 whic
h 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I just obtained a copy of my Credit Report and noticed 3 accounts that do not belong to me. XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. I also see 3 hard inquiries that I did not give permission to run my credit. I have included all these accounts and the reported balances in my Identity Theft Report.
Product: Credit reporting or other personal consumer reports

XXXX : ACCT # XXXX 1. Inaccurate Payment History and Overall Amount Reporting 2. Status should reflect as PAID IN FULL!

3. Remove more than 180 Days
Product: Debt collection

A company called Portfolio Recovery is incorrectly reporting XXXX  accounts on my credit report. I have never had any dealings or communication with this company so there is no reason for them to be reporting any unpaid debts on my credit report.
I am including a section of a recent report which shows how they are being reported to my credit.
The XXXX account is being reported for {$360.00} with an account number of " XXXX '' and an open date of XXXX 2016. The XXXX account is being reported for {$370.00} with an account number of " XXXX '' and an open date of XXXX 2016. The XXXX account is being reported for {$470.00} with an account number of " XXXX '' and an open date of XXXX 2016.
I 've done some research online and I have only come across negative reviews and complaints by other consumers who have been harassed and scammed by this company. This company has a 92 % negative rating with the Better Business Bureau. I will not give my money to a company I do not recognize and who will not tell me why they want me to pay them.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a dispute through XXXX  about a Company Showing up on my Credit Report 4 times ( I.C. SYSTEM, INC ) for {$480.00} dollars, but the company states info accurate
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cashapp ( Block , inc ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( cfpa ) Specifically, cashapp 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 regulations E. These actions has called significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

GMAC had our mortgage our home was paid off in XXXX. We worked for XXXX transfered in XXXX our transfer monies was used for house we actually mortgaged XXXX GMAC did a piggyback for XXXX which they were to get when our transfer money was paid which was done in XX/XX/XXXX now we sold our home didn't realize no lein release closing is holding XXXX of our monies on the XXXX website it show 3 inactive. we have 1 release attempting to get other 2 no success contacted Bankruptcy court out of New York attorney General in Pennsylvania, Missouri, XXXX ( only autos ) we are hitting brickwalls everywhere we go.
Product: Credit reporting or other personal consumer reports

Account paid in full- creditor XXXX Bank states that can not advise as to when the credit bureaus will be updated as to payment in full, no time frame given and supervisor diamond states that her company advises them not to tell customers when credit bureaus will be updated.
Product: Consumer Loan

I was contacted by Westlake Financial Services in XXXX, XXXX for an Amendment To Retail Installment Contract agreement. The terms were accepted in XXXX XXXX, XXXX. I keep my part of the agreement and made all of the payments. But Westlake never issued an Cerificate of Title for my XXXX XXXX Focus XXXX XXXX Sedan XXXX. The last payment was made in XXXX of XXXX and the payment was accepted. I received a notice from Westlake Financial Services in XXXX stating that I owed them {$2300.00} for the balance of the loan. I spoke with a XXXX XXXX XXXX a manager of Westlake Financial Services asking him why did I owe this money when I honored the Amendment Installment Contract, and XXXX XXXX XXXX pretended like he did n't know what I was talking about regarding the installment contract. So I made several attempts to find out why Westlake Financial would not honor the hardship contract. I tried to explain to XXXX XXXX that I was a consumer and there must be a mistake with the balance of the loan. He pretended that he never knew anything about the hardship agreement and I must pay the balance of {$2300.00}. I mentioned to XXXX XXXX that Westlake Financial Services was not honoring the agreement and he would no loner speak with me about it and demanded that I pay the balance of the loan and I tried to explain to XXXX XXXX that Westlake Financial Services received the last payment of the Amendment Agreement and I should have received something in the mail before XXXX of XXXX stated why they will not send me a certificate of title. I never heard from Westlake Financial Services until XXXX of XXXX, but the last payment was make in XXXX of XXXX. I have suffered a great amount of financial hardship due to not having any transportation and I 'm still out of a car. My credit report has a repossession on it and I ca n't qualify for a car. I invested more that {$12000.00} in the XXXX XXXX and now I 'm out of a car and my credit is worse. Westlake Financial Services has many consumer complaints due to their unscrupulous company practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am looking to purchase a Home and once I looked on my credit I see 4 accounts that I never seen before
Product: Mortgage

Hello, I am currently trying to refinance my mortgage that is currently held by XXXX XXXX and being serviced by SHELLPOINT MORTGAGE SERVICING. 

My new lender ( XXXX ) requested collateral documentation from Shellpoint and XXXX XXXX to begin the refinancing over three months ago in late XXXX. XXXX XXXX and SHellpoint have refused to provide collateral and transfer documentation and has been unresponsive to XXXX 's requests. They continue to drag their feet and have made no effort to process the refinancing despite repeated requests.Please help! It should be illegal to refuse such information and I feel as if I have no ability to move this along.
Product: Payday loan, title loan, or personal loan

I have a personal loan with TD bank. I paid it online through my XXXX checking account. TD Bank ( as many other vendors ) can't get an electronic transfers from XXXX directly, so XXXX issues paper checks and sends them through a regular mail. I took this loan in the spring of XX/XX/XXXX and up until XX/XX/XXXX there were no problems - I made payment online, XXXX cuts and sends the check, TD deposits the check. Starting on XX/XX/XXXX of this year all my payments started  returning to back me. Every time I called, I got the different answer : it's XXXX 's fault, we didn't get anything, we don't know, the company that XXXX uses is at fault, maybe an account number is incorrect and I have to add XXXX XXXX before the account number ( didn't work ), the mailing address is incorrect ( I copied it from TD web site ). TD 's system is being updated, etc. TD bank also switched me on " no paper '' billing, even though I didn't ask for it and, even though, many times I asked to get back to paper bills, there are still no bills at all, not over the mail, nor by email. I get call, from tine to time though, when unidentified person asks me to confirm my address and DOB. when I ask why, I am told that they couldn't tell me unless they have a confirmation first. My explanation about potential identity theft falls into a deaf ears. Meanwhile, every once in a while TD bank fines me for not paying in time, which obviously could reflect negatively on my credit history. Once I was advised to pay through they web interface, which I tried. Twice I managed to do it, but every time it took two weeks of attempts to get through.
Product: Credit card

For years I was enrolled in some " debt protection '' program that was costing me close to $ XXXX. It shows up under my transactions as " XXXX ''. The Best Buy representatives told me this was apparently optional yet I was never given any option to sign up for it or cancel it. This is a scummy move on their part and a big reason why I can't ever get my balance any lower as even paying over the minimum due my balance never gets any lower due to that charge on top of their extremely high interest rates. So far today after calling them ( XX/XX/year> ) they've apparently " canceled '' any future charges for that charge and are supposed to be letting me know if they'll give me that money back ( I'll be shocked if they actually do ).
Product: Payday loan, title loan, or personal loan

I have since XX/XX/XXXX, asked for a balance sheet, what is our payoff, principle and interest. I am told they will request one after I've made the payment. It is XX/XX/XXXX and I till do not have anything that show how my payments are being applied and what my balance is. I think I have given them ample time to come up with this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit report information integrator XXXX XXXX, providing services to XXXX XXXX as my lender, has opened a complaint on this directly with Experian. Experian has not updated my account balance since XX/XX/2022. It shows currently a balance due on XXXX XXXX XXXX XXXX loan # XXXX that is {$6000.00} higher than the actual balance. This is impacting my loan status for a new mortgage with XXXX XXXX. I am going to open my own personal complaint as well. The XXXX XXXX mortgage loan officer I am dealing with is XXXX XXXX at XXXX if she is needed to confirm the problems this created due to Experians negligence. XXXX XXXX can confirm that the loan is in good standing
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to remove these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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: Checking or savings account

On Friday, XX/XX/XXXX, I discovered 2 unauthorized atm transactions on my account. 

Upon learning about these transactions, I contacted Chime customer service. I spent nearly an hour on the phone, between waiting and being transferred. When I spoke to an agent, I indicated that these transactions were not authorized and told them that this wasnt the first time this had happened with my Chime bank account. On XX/XX/XXXX, 2 similar transactions were posted to my account. One was {$300.00}, and the second was {$380.00}, for a total of {$680.00}. Chime investigated and determined that there was an error ; they credited my account for the balance of those transactions. 

On XX/XX/XXXX, the agent asked several questions regarding my account and transactions, which I answered honestly. The agent then advised me that Chime would be disabling my debit card to prevent further fraud. I told the agent that I believed that this was not an actual ATM transaction, and that I believed that this situation was similar to the XXXX transactions as I had not received an alert from Chime notifying me about either set of transactions. The Chime app alerts me to all transactions. I will often receive an alert before I leave the store where I made the purchase or processed an ATM transaction. 

Per the documentation I received today about these transactions, Chime has determined that this was not an error for the following reasons. 

Chime asserts that because I had possession of my card at the time of the transaction, and memorized the PIN, then I might have taken my own money out of the bank. 

Chime also argues the withdrawls are consistent with my banking behavior. They didn't acknowledge that large ATM transactions are rare on my account, or that I only visit free Chime ATMs, and specifically one in my neighborhood. Additionally, they argue that because there were no declined transactions on this debit card after these unauthorized transactions, then I must have already known what the balance was. 

This could be easily checked by confirming when and where I logged into the app to check my balance. I work remote, but I was working at my friends apartment so that I could feed his cats while he was out of town. I was sending emails at the time of the transactions, and the door man can attest that I was inside the apartment at the time. I was hungry, so I stepped out to eat. As I was not in my neighborhood, I checked the Chime app to locate free ATMs ( I only use Chime free ATMs ). That is when I discovered missing funds. 

Chime has indicated that the matter is closed unless I can provide new evidence. I can not afford to take a hit for {$620.00}. This is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. JUST NEED THIS REMOVED BEST WAY POSSIBLE XX/XX/XXXX ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX XXXX ]
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN as violated seven federally protected consumer rights under the FCRA Fair Credit Reporting Act 15 USC 1681 in reporting information that I have no value and unfair to me the consumer, natural person and original creditor. 15 USC 1602 ( g ) The term creditor refers only to a person who both ( 1 ) regularly extends, whether in connection with loans, sales of property or services, or otherwise, consumer credit which is payable by agreement in more than four installments or for which the payment of a finance charge is or may be required. EXPERIAN has violated federal law 15 USC 1681 ( a ), 15 USC 1681 ( a ) ( 2 ), 15 USC 1681a ( 4 ), 15 USC 1681a ( 2 ) ( i ), 15 USC 1681a ( 2 ) ( b ), 15 USC 1681a ( 3 ) ( e ), & 15 USC 1681b ( a ) ( 2 ). Pursuant 15 USC 1681n ( a ) ( 1 ) ( a ) EXPERIAN is civilly liable for violating federal law I have exhibit along with notarize sworn affidavit of truth stating the facts inside and citing violations line by line. I also explain clearly on how I was violated and how the consumer report has attempted to harm my reputation and by reporting base solely on information between credit grantor and credit bureau not the original creditor which is a violation. My consumer reports has been unfair and harmful practices by EXPERIAN and I never gave them written instructions for accounts presented in my exhibits. Consumer has a right to privacy and my privacy has been breach by EXPERIAN. This credit bureau report has caused me and my family much stress and anguish due to the unfair practices from this corporation. Pursuant 15 USC 1681n ( a ) ( 1 ) ( a ) EXPERIAN is civilly liable invoice is attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent inquiriesand public record listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 3. XXXXXXXX XXXX XXXX XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX XXXXXXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) THE UNVERIFIED AND INCORRECT PUBLIC RECORD ITEMS BELOW SHOULD BE DELETED : 1. Chapter XXXX Bankruptcy XXXX. THIS ITEM DOES NOT BELONG TO ME! 
XXXX # XXXX. 
Inaccurately posted on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX has violated my rights.

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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

To : Credit Reporting Agency Subject : Request for Deletion of Unverifiable Account Dear Credit Reporting Department, I am writing to formally request the removal of an unverifiable account from my credit report. I previously disputed a charge-off of {$1600.00} from XXXX XXXX XXXX XXXXXXXX on my XXXX secondary credit report. Following my dispute, an investigation was conducted, and as of XX/XX/year>, the account was deleted from my XXXX report. 
Since XXXX has completely deleted this account, this serves as verification that the account is unverifiable and should also be removed from my credit reports with Experian, Equifax, and TransUnion in accordance with the Fair Credit Reporting Act ( FCRA ) 1681i ( a ) ( 5 ) ( A ), which mandates that any information that can not be verified must be deleted. 
Additionally, under FCRA 1681i ( a ) ( 1 ) ( A ), you are required to complete the reinvestigation within 30 days. If the unverifiable account is not removed within the required timeframe, I will exercise my rights under FCRA 1681n and 1681o, which allow me to pursue legal action for non-compliance, including statutory and punitive damages.

Please confirm in writing that this account has been deleted. If you require additional information, I am happy to provide further documentation. 

Sincerely, XXXX XXXX