23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have filed previous complaints however the problem is that no one is grasping that I was FORCED into these loan modifications because of PHH accounting errors and to fix them I could not come up with the money for my taxes ( happened twice ) and they tried to put me into foreclosure twice plus one time I asked for a 2 week maximum extension to make my house payment and again FORCED into an 11 month forbearance. I just want to have the fees associated with these forced modifications waived as they were due to accounting errors on PHH 's behalf. 
This is what gets missed WHY were these things done? I am trying to pay off my house and in the past I was told to just sign these modifications and they would clarify and fix everything later. That never happened over and over. I received fraudulent documents from this company as well. Same name sending me foreclosure information and notarized different signatures. I had to contact and executive in the company to stop a fraudulent foreclosure of my home. That executive is no longer there and I can not find numbers on the internet anymore.

please just take these unlawful fees off my acct so I can pay off my acct and be done with PHH. 
Thank you
Product: Credit reporting or other personal consumer reports

Due to your violations, I will take legal action and submit a complaint for small claims for default judgment, which allows up to {$1000.00} per violation. I am requesting an ALLEGED DEBT to be VALIDATED, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) validation of debt section, 15 USC 1692g. I also demand a request for accounting of this alleged debt, pursuant to the Uniform Commercial Code, UCC Article 9-210. Therefore, I demand validation and verification of the alleged debt. Furthermore, it is imperative that you notify TransUnion and XXXX to delete this information from my credit report immediately. The account in question is detailed and Unauthorized Accounts include the following : XXXX XXXX XXXXXXXX XXXX In addition, I am requesting for a copy of the XXXX filed for the charged-off debt. XXXXXXXX XXXX  XXXX must provide this to me, as the consumer, or you will be neglecting to comply with XXXX law. This leaves me no choice but to assume that you have neglected to comply with XXXX law by not filing a XXXX as mandated. Consequently, I am compelled to inform you that I will report XXXX XXXX XXXXXXXX to the IRS for potential tax fraud using XXXX XXXXXXXX if prompt action is not taken. As per IRS regulations, a canceled debt of {$600.00} or more necessitates the filing of a XXXX form by federal or government agencies, or applicable financial entities. Failure to comply with this requirement constitutes tax fraud, a serious offense that I will not hesitate to report to the IRS. It is essential to understand that a canceled debt is considered ordinary income by the IRS. Consequently, any failure to file a XXXX form, or any attempt to conceal such actions, constitutes inaccurate reporting. Income is not to be included on a credit report, and any such inclusion violates consumer laws and regulations. Your company 's actions are in clear violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681s-2, which outlines the responsibilities of furnishers of information to consumer reporting agencies. Under this statute, it is prohibited to furnish inaccurate information knowingly or with reasonable cause to believe it is inaccurate. It is imperative that you take immediate steps to rectify this situation by deleting the inaccurate information from all consumer reporting agencies. Failure to comply will result in legal action being pursued, including holding XXXX XXXX XXXXXXXX accountable for willful noncompliance under 15 USC 1681n ( a ) ( 1 ) ( A ). This statute stipulates that any person who willfully fails to comply with FCRA requirements may be liable for damages sustained by the consumer. I urge you to act swiftly and cease reporting this item to avoid further complications. Kindly delete this off my report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello there are a lot of unauthorized inquiries on my XXXX and transunion credit report I tried contacting them and they decline my inquiry they didnt try to help me these unauthorized inquiries are affecting me for Im XXXX! I need them to be removed this is beyond me Thank you
Product: Credit card

On XX/XX/XXXX mine and my wife 's XXXX phones were hacked and our identities were stolen. My apple credit card information was compromised and a purchase for {$3100.00} + taxes {$280.00} was made. I live in Texas and said purchase was made in New York. Someone bought an apple product at their store in New York and used my credit card. I did not consent this purchase, nor do I know anyone that lives in New York. On XX/XX/XXXX, I contacted apple to try and solve this issue. I spoke with XXXX at apple card with Goldman Sachs and initiated a dispute immediately. They issued a new card number and I explained that I.have a police report. On XX/XX/XXXX I received communication that the dispute was declined because it was determined that it was an authorized purchase. To be clear, it was not. I was in Texas receiving XXXX while this purchase was made in New York. On XX/XX/XXXX I reopened the dispute and was told that it would be submitted for further review. On XX/XX/XXXX, the taxes ( {$280.00} ) of said transaction were removed and I received a credit. However, the main charge of {$3100.00} was not removed and they refuse to remove it, I received the final decision on XX/XX/XXXX. No-one at Goldman Sachs is able to explain how it was determined that I am not responsible for the taxes generated by this transaction, but I am responsible for the transaction itself. On XX/XX/XXXX, we spoke with a supervisor at Goldman Sachs, XXXX and she reopened the dispute. on XX/XX/XXXX I received a final communication making me responsible for the {$3100.00} of a purchase that I did not make and did not consent.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within XXXX hours stating 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 mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding XXXX XXXX XXXX XXXXXXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. These are the account that I have marked inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX ).
Product: Credit card

We use our Wells Fargo Credit Card for our family small business. It has a {$25000.00} credit line and recently we paid it off with a payment of {$22000.00} on XXXX. Our credit card began declining all new transactions as of around XX/XX/XXXX. We made several calls to understand why and were told that the payment was larger than the normal {$5000.00} to {$10000.00} payments we typically make. Each time we were instructed to respond within an hour to an email that was to be generated to us and after 4 times of the email never coming to us, Wells Fargo said the refused to lift the ban until XX/XX/XXXX. There are no credit, fraud or any reason to clip our business credit card like this and they have had our money which was delivered from our local XXXX XXXX XXXX XXXX for over a week. We are furious that they have created a situation where all of our vendors recurring payments are now bouncing and we can not use our company credit card when there is a minimal balance and we have never ever had a credit issue with them. Today ( XX/XX/XXXX ) they officially refused helping us any further and we are just instructed to wait until XX/XX/XXXX to reuse our card. We will obviously never bank with Wells Fargo again for any reason whatsoever but do not want anyone else to suffer what we did. It is not uncommon for us to pay thousands of dollars in a month. The XXXX statement shows we paid $ XXXX and the screenshot shows our recent $ XXXX payment. Unreal how much pain this has caused us!!
Product: Payday loan, title loan, or personal loan

In XXXX of 2022 I called prosper to inform them I had to have XXXX in XXXXan i tried to make some type of payment arrangement with them they refused and wanted their whole monthy amount. I told them not to call me anymore I'm about it. 
I still made a {$75.00} a month goodwill payment. They called me 3-4 times day. It got to the point where I had the block for number. They have easily called me over a 100 times. Here are just a few days of calls. I have documentation of them all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update the suspicious information. I think you have not validated the account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against the listed account. This was already included in my prior COMPLAINT, and I'm including it again. 

XXXX XXXXXXXX XXXX XXXX XXXX  Balance : {$6700.00}
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX  account ending in XXXX, amount of XXXX $ open XX/XX/XXXX please remove account is charged off and is in violation of 15 U.S.

Code 1601 XXXXXXXX XXXX  account ending in XXXX, amount of {$700.00} opened XX/XX/XXXX also in violation of 15 U.S.

Code 1601 please remove asap
Product: Payday loan, title loan, personal loan, or advance loan

XX/XX/year> I submitted a mortgage application with my bank Navy Federal Credit Union. The application was submitted with incorrect income that I did not report, subsequently causing the application to be denied. I reached out several times for the person to correct the error I reached out to several departments and the application was subsequently denied. ( I found out later that they do this often to XXXX American applicants. ) A few months later I submitted on XX/XX/year> a pledge loan application to help me move into the home that I had purchased with ANOTHER mortgage company. Unfortunately shortly thereafter after I fell ill with XXXX, I lost my job and subsequently lost my home. Throughout that process, Navy Federal locked me out of my account blocked access to my CD and savings account and I was unable to make any arrangements. 
The only reason I knew I still had an active account was due to the CD maturing this XXXX. I had already been offered a settlement from the third-party collection agency Navy sold my debt to and sent a money order for {$1500.00} on XX/XX/XXXX. Oddly enough I tried to also settle the checking account balance that I cant even see, and was told by the agent that they dont offer settlements. And now I was told today that the pledge loan has been returned to Navy Federal on the XXXX of this month asking for the full balance on the loan! This bank is a total rip-off with extremely immoral and what seems to be illegal debt collection practices.
Product: Debt collection

In 2015 I rented house in XXXX XXXX The rent was {$1600.00} a month and to get into a contract I was required to pay deposit of 3 months and extra fees of the amount of {$5300.00} I did pay some of this deposit was not refundable {$4800.00} was Securty deposit and the rest Im not sure, it was so many years back. 
I was living there for 1 year and they send a letter to ask me if I will sign up for other year I say no Im leaving. 
All this yea I pay on time, I have no balance! 
Few days before I move out they send someone to infect the house. 
The house was in perfect condition. 
It was just me and my son live there. 
I make sure the house its clean and paint some of the walls with the paint the company employees provide me. 
After I left the house I went to the rental office to request my money deposit back and they say no you owe as more money and start to make things up. 
It was completely scammed. 
Nothing of what they say it was true. 
It was a group of Family own, not professional! 
I try really hard to fight and get at least some of my money and they keep say we dont owe you anything please leave. 
It was so many years ago, but I definitely remember the feeling I had back there. 
I I couldnt do anything about it and I left by knowing they took my money for no reason! 
Then few years back I find out they actually sold me to Colection by saying I owe them more money. 
Completely scammed!
Product: Money transfers

I currently use Paypal to operate an eBay business. This business is an XXXX. Paypal has the businesses XXXX ID number, the bank account number, and access to my eBay account. Currently they are withholding over {$2800.00} in sales based on their {$3000.00} base limit for new accounts. However this account is n't new. It 's 3 months old, shows over XXXX transactions, generated over {$12000.00} in sales, and there is 100 % good feedback. The issue is Paypal refuses to release funds where the product has been paid for, shipped, and received. Instead there is a 21 day hold on all transaction after the initial {$3000.00}. This causes an enormous amount of stress for my business with its ability to purchase more inventory and to continue to build. I 've tried to talk to many representatives at Paypal and they pretty much say " Oh well ''. 

There is no reason for my business to be treated as a individual. Even a bank only has a 14 day hold on checks and that 's generally random and does n't happen too often. I would like my funds released so I can build my business, buy more inventory, and generally cover my operating costs.
Product: Credit card or prepaid card

I was charge 3 times for the same one item purchased. I returned the item at the store and received a credit. They returned one for another credit. However I still have an extra charge for that same one item. 

The amount is {$23.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX the accounts : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX  accordance with the Fair Credit Reporting act XXXX  Account # 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 customer reporting agency can not furnished a account without my written instructions
Product: Mortgage

We've repeatedly contacted the mortgage company that our home is 100 % exempt from property taxes as of XX/XX/XXXX due to XXXX XXXX veterans exemption and the escrow should be adjusted to remove that amount going in there for property taxes. 

I sent emails sent with supporting documentation to the company XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

Called the company XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX We received notice there would be an increase taken out rather than less.
Product: Credit reporting or other personal consumer reports

Hello The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX ACCOUNT XXXX XXXXXXXX Account name : XXXX XXXX ACCOUNT XXXX XXXXXXXX Account name : XXXX ACCOUNT XXXX XXXXXXXX Account name : XXXX XXXX ACCOUNT XXXX XXXXXXXX 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 ).

According to 15 USC 1681 ( 5 ), they are supposed to treat inaccurate or unverifiable information by promptly deleting or modifying it.

According to 15 USC 1681s-2, they are not supposed to furnish any information that is known or believed to be inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Id like to report a consistency of errors regarding my balance for my U.S. Bank credit card account. I first noticed the incorrect balances three months ago in XXXX when I reported my first dispute ( file number XXXX ) on XXXX XXXX for my XXXX. Then I realized that the balances for 3 consecutive months starting XXXX to XXXX have been wrongly reported and I been disputing them once a month and STILL have not received correct information reported on my credit score, even after submitting the disputes. 
The balance on my statement dated XX/XX/XXXX was at first very different from the balance reported from my U.S. Bank credit card account on XXXX. My statement balance is {$230.00} while XXXX XXXX reports a balance of {$380.00}. I submitted a dispute to XXXX for the inaccuracy of my balance on XX/XX/XXXX ( file number XXXX ). Later, on XX/XX/XXXX, a report balance of {$380.00} was reported on my XXXX and unfairly decreased my credit score on there too ( I have not checked XXXX, but you can imagine my worry and frustrations ). On XX/XX/XXXX, my dispute investigation was completed, however, it was still reported incorrectly. The new report balance is {$250.00} for XXXX assumed statement but I still have proof that my statement balance is {$230.00} as I stated on my dispute submission. 
Then on XX/XX/XXXX, my statement balance is a credit of {$190.00} because I overpaid and have received a credit for this amount on top of my credit limit. However, XXXX  reports a balance of {$370.00} reported on XX/XX/XXXX. I submit a dispute explaining that my statement balance shows $ XXXX because it is shown as a credit. After my dispute investigation was complete, nothing changed in my credit score or my balance for this account, though it was labeled completed. It is clear that this incorrect action comes from the U.S. Bank Credit Card Member ServicXXXX rather than XXXX XXXX/XXXX/XXXX/XXXX. 
On XX/XX/XXXX, a XXXX report for my U.S. Bank Credit card shows a balance of {$490.00} whereas my statement balance dated XX/XX/XXXX is {$140.00}. At this point, I am very tired of creating numerous disputes and want to take immediate action by reaching out to U.S. Bank Credit Card Member Service as well as submitting an investigation with XXXX. Card Member Service should consider incorrect credit reporting a very serious issue. I have tried to call U.S. Bank CB Disputes but I receive an answering machine that refers me to call XXXX, XXXX and XXXX   or file a dispute in writing to U.S. Banks Card Member Service. I am still waiting to hear from my latest dispute that I submitted on XX/XX/XXXX for XXXX statement balance. 
My biggest concern is that I recently noticed these wrong reportings for three months behind, but I am unsure how long someone has been wrongly reporting my balances. After disputing for three months, I am exhausted, and I would NOT like to dispute every monthly balance I receive on my credit score. And I would also like to include that this U.S. Bank credit card is a joint account and I hope to fix both, my husbands and my credit score reportings.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report from XXXX, XXXX and XXXX and to my amazement, saw that you recently have decided to report me 30 days late on this account. Not only was I never late on this account, but according to the FCRA, as amended by the FACTA act, you are required to notify me of the insertion of negative listings. I never received such a notice. Your company never notified me, and your company filed to send me my statements for that month and when I talked to your rep, I was told that this mistake would be deleted. I never received a billing statement from your company.

FCRA 623 ( a ) ( 7 ) Negative Information ( A ) Notice to Consumer Required ( i ) In general. If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 603 ( p ) furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer.

( ii ) Notice effective for subsequent submissions. After providing such notice, the financial institution may submit additional negative information to a consumer reporting agency described in section 603 ( p ) with respect to the same transaction, extension of credit, account, or customer without providing additional notice to the customer.

( B ) Time of Notice ( i ) In general. The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ).

( ii ) Coordination with new account disclosures. If the notice is provided to the customer prior to furnishing the negative information to a consumer-reporting agency, the notice may not be included in the initial disclosures provided under section 127 ( a ) of the Truth in Lending Act I contacted your company and talked to customer service, XXXX who admitted that it was Macys error because my billing statement was sent to and they were aware and assured me that this misunderstanding was going to be removed from my credit report and listed correctly. The representative promised to send me a payment statements so we wont have this maundering anymore of my account and stated that this mistake would be corrected. I never received such documentation. The results of my XXXX XXXX and XXXX and XXXX dispute have just come in, and say verified. How is this possible?. Reporting inaccurate information is also a violation of the FCRA. Enclosed is proof that payments was on time and never late Your company never sent me a billing statement and was advised that because of the mistake I would not have a late payment. I had to call your customer service and was told a statement was going to be sent to me and now I look at my credit report and you put 30 days late when it was your company and billing error.