23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting 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. 

TransUnion 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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 general lf, 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.

15 U.S.C. 1681B ( 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: Mortgage

I was laid off for 2.5 months due to covid. My husband 's hours were reduced. When I first got laid off I heard there may be help from mortgage companies. I called my mortgage company ( Carrington ) & they seemed very sympathetic, helpful, & told me I could go into forbearance for 3 months. I was told during forbearance I could make payments or partial payments if I wanted/could. I also received a letter letting me know I would be in forbearance. The letter told me my payments were not being forgiven, which I didn't believe they were. I simply thought they were being added to the end of the loan or postponed for this time during the pandemic. I called yesterday to make a payment as it has been 3 months & I am back to work. I was told that loan forbearance had been automatically extended until XX/XX/2020. When I said we didn't need forbearance any longer as we were both back to work, I was told if I removed forebearance, all the missed payments would be due today & if I could not pay it all, then it would be reported to credit agencies & my loan would be considered delinquent. I was shocked. I asked how in the world forbearance was ever considered a helpful thing to do, if it meant a giant payment would be due in the end. There is no point to it. I was told, I was informed of everything in the letter I received. When I hung up the phone I looked at the forbearance letter & NO WHERE does it say at the end of forebearance all postponed payments are due. If I had understood this was what they were planning to do I would NEVER have agreed to a forbearance. I called again to let Carrington know that my letter does not say all payments are due in full at the end of forbearance. I again asked how forbearance was helpful. The 2nd person I talked to stated that " everyone '' thought payments were going to be added to the end of the loan. That I was not the only one. He told me to try to catch up between now & XXXX, but if I couldn't there would probably be some options available in XXXX to help people who are behind. I feel that Carrington misled me about the details of forebearance thus putting me in a situation where I am " behind '' on mortgage payments. I want to report them for false information & if they received any government bailout money to help people during this crisis, they are absolutely helping NO ONE! I already had a dislike for this company. My loan was with XXXX XXXX, but was sold to Carrington just a few months before the Covid crisis. Carrington 's website is difficult to navigate & they charge you fees to make online payments or phone payments.
Product: Credit card or prepaid card

Capital One Allowed a large purchase I did not make and allowed this purchase to go through with out informing me even though my credit limit was only {$9500.00} and will not allow the credits to be issued by XXXX XXXXXXXX to resolve this issue so I can use my credit card. 
Please see Attachment.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX  XXXX XXXX XX/XX/2022 XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX  XXXX XX/XX/2022 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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX I called the creditor to defer my payments on the account due to COVID and the negative impact it had on my income. I was advised that this would NOT negatively impact my credit. My next payment due date was XX/XX/XXXX in the amount of {$330.00}, but was advised that the account would be frozen until XX/XX/XXXX. 

I called again on XX/XX/XXXX to extend the deferment since I continued to still experience a decrease in income due to COVID and was then told that my payments would again reset to {$0.00}, with the next payment due XXXX. I called on XX/XX/XXXX to make a payment of {$330.00} ( the amount I was told was currently due on the account - confirmation # XXXX ). I was told the next payment amount due would be for {$350.00} and did request an additional extension with the next payment being due on XX/XX/XXXX. I again made sure nothing would negatively impact my credit. I was advised to pay {$350.00} in XXXX to avoid a 30 day late and had made that payment on XX/XX/XXXX ( again being advised by the agent that I had no incurred a 30 day late payment. 

It turns out that the creditor did in fact report me 30 days late in XX/XX/XXXX which devastated me since I had never had issues like this, AND have been a customer since XXXX with excellent payment history. 

The result of this has greatly reduced my credit score and has put a hinderance on me and my family purchasing our new home. I feel I was poorly communicated to and was very misled on the outcome of my deferment after being VERY well assured that this would not impact my credit.
Product: Credit reporting or other personal consumer reports

Account number XXXX or XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ...XX/XX/XXXXXXXX and XX/XX/XXXXXX/XX/XXXXXXXX and XXXX at set management account XXXX with these accounts I've been trying to get them off my credit report for the last couple ofXX/XX/XXXX years serious violation of my actual rights.. so I have sent certified letters to all the creditors and also I send picture documents to your place of to view that I have sent certified letters to all my creditors I would love for y'all to remove these accounts immediately
Product: Mortgage

My loan was transferred to Flagstar Bank. First they did not pay my tax bill. It took several calls for this to be resolved. My first payment I attempted to make online had two numbers from my account transposed. When the payment failed they contacted me and I made it immediately over the phone. I have received my   XXXX   statement and I am being charged {$25.00} Total fees ( including late fees ) The rep explained it was for an NSF. When I explained what had happened and that there was NEVER AN NSF she said she would send a request for review. The case number given is  XXXX . The reps name is  XXXX  and I talked to her on  XXXX . XXXX .17 at  XXXX .
Product: Credit reporting or other personal consumer reports

FCRA violations : not my names XXXX XXXX XXXX XXXX XXXX FCRA violations : accounts not mine XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Closed. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1100.00} Status Account charged off XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1700.00} Status Collection account FCRA violations : inquires not mine XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX
Product: Credit reporting 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 XXXX 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 correct. 
XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} DEPT OF EDUCATION/ XXXX XXXX Balance : {$17000.00}
Product: Checking or savings account

XX/XX/year> Amount taken away from my account was {$200.00} I took the action of sending a dispute form with Chime to have my money returned as this was not given away to someone. I was called by someone that I learned after the fact was a fake person pretending to be a Chime Representative. The money was stolen from my account but put under the tab of pay anyone. I contacted Chime about the issue and filled my complaint. The representative that I spoke with did not help me in the slightest, neither did the " task team '' for recovery. I was given an email that stated they did find any errors when infact there is an error, Chime concluded that I " paid a friend '' when I do not know this person. I received a fraudulent text that I spend {$290.00} at a XXXX in Florida when I live in XXXX XXXX XXXX XXXX. This is unacceptable and downright pitiful that they would deny my claim. I provided all the evidence of the fake number, text message and the reply the fake person gave to me afterwards. 

I would appreciate Chime getting there things together and providing me my {$200.00} back. 
My dispute claim numberXXXX
Product: Debt collection

CCi is a collection company reported on my credit report in XXXX i notice the account and disputed it with the three credit companies explaining in my dispute this is not my account it was open fraud i sent in my police report and driver license XXXX and XXXX told me the account was verified and continue to report this on my credit report the could have not verified because i never open this account and its a fraud account
Product: Credit reporting or other personal consumer reports

I disagree with the accounts listed below which still appear on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights. 

Account XXXX : XXXX Account XXXX : XXXX Remove off my report immediately! 

Account Name : XXXX  XXXX Account Number : XXXX Remove off my report immediately! 

Account Name : XXXX  XXXX Account Number : XXXX Remove off my report immediately! 

Account XXXX : XXXX Account XXXX : XXXX Remove off my report immediately! 

Account XXXX : XXXX Account XXXX : XXXX Remove off my report immediately! 

In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you VERIFIED the above, so that I may follow up.
Product: Payday loan, title loan, or personal loan

I took out a personal loan in 2018. I didn't pay it off due to not being able to work for my health issues. It is being reported on my credit that I owe twice as much as the original loan. I reached out to the creditor and was told that my defaulted loan would continue to accrue interest until paid in full. They wouldn't allow me to make a payment because they said I would need to pay more than I could afford. This loan was for XXXX and I'm being told I owe almost XXXX and it goes up by XXXX a month on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My ex-husbands current wife has used my personal information ( DOB and SSN ) to divert purchase rewards and coupons from the retailer XXXX to her own address, dating back to circa XXXX. I believe the issue is resolved with the retailer, but since that time, incorrect information has appeared on my report. Most recently, yesterday I tried to buy health insurance via the marketplace and was locked out due to answering background questions incorrectly. The brokerage agent who helped me suggested that since this other person has used my SSN in connection with her address, it has confused the credit reporting bureaus and messed up my information. Im not sure the extent to which she has done this, as she continues to have access to my information. Id like to know how to disentangle my credit info from theirs and avoid this happening in the future.
Product: Mortgage

I own the apartment at XXXX XXXX XXXX XXXX, XXXX, NV XXXX. There was a fire on XX/XX/20. XXXX XXXX issued a check for {$94000.00} to the lender Mr. Cooper ( Nationstar Mortgage. ) They released a check for {$40000.00} on XX/XX/20 and a check for {$27000.00} on XX/XX/20. The work was complete on XX/XX/20 and signed off by XXXX County. They will not release the final check for {$27000.00}. XXXX XXXX  showed up to inspect the property on XX/XX/20 They did not turn in the report to Mr Cooper until XX/XX/20. The reason they are giving me for not releasing the remainder of funds is that there is an exception on the account. The reason there is an exception on the account is because I called and asked for these three things in writing. 1 ) A copy of the legal document showing they have the authority to withhold the funds. 2 ) A letter of apology to the contractor for paying late. 3 ) A letter  explaining why they use XXXX XXXX. I also call the corporate office in XXXX three times. They said they would issue a check if I withdrew the three requests above, but it would still take another week. I guess that if I don't withdraw the requests they will not send the check XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently received and reviewed a copy of my updated credit report and I still have seen inaccurate and misleading information being reported. These mistakes that you are reporting are affecting my character and reputation as a consumer. 

The accounts that I am referring to are the following : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXXXXXX 4. XXXX XXXX XXXX XXXX 5. XXXX XXXX XXXX 6. XXXXXXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act, XXXX XXXX XX/XX/2022, XXXX XXXX XX/XX/2022, XXXX XXXX XX/XX/2022, XXXX XXXX XXXX XXXX, 2022 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX of 2021, my credit score has been going down, slowly, but consistently. I have not been late on XXXX payment, absolutely nothing has changed that might incur such a change in my credit score. I have been in touch with all of the XXXX credit bureaus, and none of them have any information, nor do they understand why this is happening. I am never late with any payment, nothing has changed in a way which that I pay all of my bills in full before being charged any such fee. 
The only change on my end, was putting a freeze on my XXXX credit reporting services, such as Experian, XXXX, and XXXX. I have no unbderstanding as to why my score had gone from XXXX, to XXXX, in 7 months, no new credit checks, or applications for credit, no late fees.
Product: Credit reporting or other personal consumer reports

I want to filling a complaint against Equifax, XXXX XXXX XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax, XXXX XXXX XXXX consistently responds within XXXX hours the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which is mandates a reasonable investigation of disputes. Furthermore, XXXX, Experians & TransUnions actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax, XXXX XXXX XXXX complies with the federal law and provides consumers with necessary proof of investigation.
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 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 this violations
Product: Mortgage

My husband and I received an Escrow Account Disclosure Statement from PennyMac dated XX/XX/XXXX with an estimated escrow shortage of {$340.00}. On XX/XX/XXXX, we paid the estimated escrow shortage of {$340.00} into the escrow account and then another {$200.00} on XX/XX/XXXX for a total of {$540.00}, so that the monthly payment would remain at {$1400.00}. Despite our covering the escrow shortage, PennyMac raised the monthly payment to {$1400.00} in XXXX, XXXX. I messaged PennyMac twice around XX/XX/XXXX but did not receive a response. 

On XX/XX/XXXX I spoke to a XXXX at PennyMac. She said that it is PennyMacs policy to require the Minimum Required Balance in the escrow account ( in this case {$400.00} ), which was her justification for the payment being raised. The {$400.00} Minimum Required Balance is still less than the {$540.00} that we paid into the escrow account, so we do not understand why PennyMac raised the monthly payment. 

A reasonable and fair resolution is for the monthly payment to remain at {$1400.00} since we have addressed the escrow shortage. We are unclear why this is an issue with PennyMac when it has not been an issue with any of our previous mortgages. We have requested that PennyMac respond by mail with a plan to resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Having a problem with a financial product or service? 
We have answers to frequently asked questions and can help you connect with companies if you have a complaint. Sadly you don't have the answers because in my opinion by numereous experiences and by design of the system it is corrupt from top to bottom. Yes and you the alleged protector propagate that XXXX XXXX I choose to define my opinion and evil will never change but stand in it's arrogance and pride. Wecand all who are XXXX XXXX XXXX so called credit organizations and their cohorts understand who and what you are by your own thoughts, words and deeds. So filing a complaint useless but merely to serve truth. Yes we are as responsible because we use your services, need finance and share in the creation of who you are abdcstabd as guilty via our indifference.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention several concerns regarding the inaccuracies of the information that you have been reporting. I have recently obtained my credit report from your agency and have discovered numerous mistakes and errors that require immediate attention. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXExperian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

We opened a credit card with Sam 's Club while activating our membership. According to the terms and conditions ( attached ) of the card, we would receive 5 % cash back on purchases with Sam 's club ( as XXXX members ), 3 % on XXXX Stations that accept XXXX, and 1 % on all other purchases. After XXXX weeks we received our first statement where we were ~ {$2.00} short based on the terms above. We called Synchrony bank to resolve the XX/XX/XXXX and the agent issued a {$10.00} statement for our trouble and assured us it would not happen again. We received our second statement today XX/XX/XXXX and were shorted once again. Upon calling synchrony bank ( We have the call recorded via XXXX file if needed ), we were informed that synchrony " does not handle rewards and how they are calculated using the sams club credit card ' by supervisor " XXXX ''. XXXX then transferred us to Sams Club member services as " they would ensure this was resolved ''. After being transferred to the Escalations department, " XXXX '' informed us that " Sams Club does not handle rewards calculations and it is handled entirely by Synchrony bank '' ( We have the call recorded via XXXX file if needed ). I asked XXXX to help us resolve the discrepancy to which she refused and stated we would need to contact Synchrony. Given the clear disparity between rewards to be given and rewards given, it is apparent that at a minimum for our individual account, we are not receiving the funds owed to us per the terms and conditions of the credit card, and are being blatantly misled in an effort to not pay out.
Product: Mortgage

I would like to have a securitization audit conducted for the note for my property. 

Also, I tried to submit payment coupons to my mortgage company and they refused to accept the payments.