23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Convergent sent a letter requesting that I pay a debt that is not mine. I asked for validation and they sent me a contract with a signature that is not mine. It looks like the signature my be XXXX, not sure what the last name is. Please look at the signature pages. I have asked them to remove this from my credit file but they refused. 
Please help. This is injurious to my credit as well as my character. I pay my bills on time and have no collection accounts.
Product: Credit reporting or other personal consumer reports

I have been trying for the past year to get XXXX to stop their negative and inacurate reports concerning my Federal student loans. XXXX has repeatedly refused to stop their negative reports which has caused me great harm as a XXXX XXXX XXXX XXXX XXXXXXXX veteran, currently XXXX  and trying to secure financing to by a house. 
for 7 years had been on an income based payment of {$0.00}. the last year of the loan prior to the loan being closed ( it should be discharged due to XXXX XXXX VA XXXX ) they required me to pay {$1.00} per month even though my income had not changed and my living situation had become much worse ( homelessness ). i disagreed with their request because i felt as though they were doing this in an attempt to trick me into paying this {$1.00} amount so as to reset the number of years at {$0.00} needed to discharge the debt. At the same time Covid happened and i felt i was not required to make a payment as my loans were Federal loans. 
XXXX began destroying my credit by reporting all 5 loans as delinquent. One month i was reported as current... the next 90 days late ( how is it possible to be 90 days late in the span of 30 days? ) They deliberately began reporting me to try and force me to make the {$1.00} payment ( it should have been {$0.00} ) thus resetting the consecutive number of years at {$0.00} so that they would be able to continue to collect on the loans and not discharge them. If this is not an illegal act... it should be. They created a situation so as to coherse me into doing something that was not in my best interest. they continue to report adversely even though the account is closed. i want them to stop causing me undo harm, please.
Product: Credit reporting or other personal consumer reports

I keep disputing the derogatory account XXXX that was paid off XX/XX/XXXX. And the Collection account with XXXX that is the same debt that shows opened recently. I have disputed multiple times with Experian and XXXX but they keep saying they verified the debt which is impossible because they would know that XXXX is paid off and XXXX has no right to be reporting a paid off account. They are also allowing double reporting for XXXX debt and allowing XXXX to report an account as opened in XXXX that is also the same XXXX account from XXXX that was paid.
Product: Checking or savings account

So on the early morning of Friday, XX/XX/XXXX my car was broken into and my wallet, book bag, cash and some other items were stolen. Once I woke up I noticed there was 4 charges on my card at the gas station down the road, so I instantly locked my card and filed a police report. I called my back to report my card stolen and unauthorized charges. It has been a week and they still have not credited my account back. They are telling me I have to wait 45-90 days and I feel like that is absurd. The money was fraudulently stolen and I need the money back. I have the police report number and everything. They say they are doing an investigation but I have the police report number so idk what investigation they are doing. My card wasnt lost, it was stolen!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a account XXXX XXXX which is 7 years old and experian XXXX  and XXXX will not remove
Product: Credit card or prepaid card

I signed up for an American Express gold card with a XXXX bonus point offer after spending {$4000.00} in four months. More than 16 weeks after meeting the spend requirement, the bonus points still have not posted. 

I first contacted American Express about this via chat on XX/XX/XXXX. I reached out again XX/XX/XXXX via chat and again via phone on XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service & unfair practices, which violate the consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely & effective measures to prevent & address fraud on their platform, leaving my account vulnerable & unprotected. Furthermore, their dispute resolution process was unfair & deceptive, as they did not with error resolution requirements under the electronic fund transfer act ( EFTA ) & regulation E. These actions have caused significant inconvenience & financial loss, & I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is regarding Experian and their methods/means to place, remove and confirm status of freeze on my credit report. 

For many years I have frozen my credit reports with XXXX XXXX, XXXX  and Experian. XXXX XXXX and XXXX provide on line methods or simple call in methods to confirm, place or lift freeze status on my credit report. 

Experian provides no such easy access on line for placing, removing or confirming freeze. There is a call in option, but, there is no method to confirm a freeze removal has been put into effect. Add to this, Experian provides no readily apparent phone number to call in and speak with a person if you are not a paying customer. 

My issue. 
Experian controls a major portion of my, yours and all others financial flexibility. Our credit report should be able to freeze and unfreeze, as well as find status of same, at a moments notice with no more effort than providing proof of identity. 

The other two services are not superior performers in this area either, but, their sites are able to allow alterations and confirm status of my credit report freeze.
Product: Credit reporting or other personal consumer reports

I am submitting a formal complaint against XXXX, XXXX, and Equifax for their failure to correct inaccurate information on my credit report, despite my repeated attempts to resolve the issue. Although these credit reporting agencies closed my previous complaint, the inaccuracies still persist on my credit file and continue to negatively impact my credit score. 

On XX/XX/year>, I filed a dispute requesting a re-investigation of the incorrect information appearing on my credit report. However, the dispute was closed without any meaningful resolution, and the incorrect data remains. I have made several efforts to work with the credit bureaus and the relevant creditors to rectify the situation, but these attempts have proven unsuccessful. 

The ongoing inaccuracy is a violation of the Fair Credit Reporting Act ( FCRA ), particularly : FCRA Section 1681i ( Reinvestigation of Disputed Information ) : The credit bureaus have failed to properly reinvestigate the disputed items, leaving erroneous information on my credit report. Under the FCRA, these agencies are required to ensure that reported information is accurate and complete, correcting any discrepancies once notified. Their failure to investigate and resolve these errors is a breach of this responsibility.

FCRA Section 1681e ( b ) ( Maximum Possible Accuracy ) : The credit bureaus are required to ensure the accuracy of the information reported. Despite my dispute, the incorrect data has not been corrected, suggesting that reasonable procedures to verify its accuracy were not followed.

FCRA Section 1681i ( a ) ( 1 ) ( A ) : The credit bureaus did not initiate a thorough re-investigation of the disputed information after I filed my complaint. This failure to take appropriate action is a direct violation of my rights under the FCRA.

I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and hold XXXX, XXXX, and Equifax accountable for their failure to comply with the FCRA. I ask that they be directed to correct the inaccuracies on my credit report as soon as possible.
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX 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 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: Debt collection

I was issued an unsecured credit card by CITIBANK SOUTH DAKOTA NA in XX/XX/XXXX, a credit limit of about {$5000.00} dollars.I made payments on the balances due until XX/XX/XXXX when I had a Baby, lost my job and could not continue payments.On XX/XX/XXXX, a Judgment was filled  against me without any notification or consent and they placed a LIEN on the Property my Husband owned prior to our marriage.Because Washington is a community property State, this LIEN has adversely affected my Husband 's Mortgage payments, our Credit and ability to refinance the Mortgage. 
I had no knowledge about this LIEN until XX/XX/XXXX when my Husband tried to refinance his house.I reached out to the Attorneys representing CITIBANK who filled the Judgment to have them REMOVE the LIEN on the property but they refused and insisted that it will not be removed until I pay the principal amount of {$6000.00}, filling fees, Attorney fees and interest fees, a total of {$17000.00} dollars. 
I explained my current financial situation to them but to no avail : My XXXX year old daughter passed away on XX/XX/XXXX at the XXXX XXXX 's Hospital after XXXX on XX/XX/XXXX in XXXX Washington in a swimming pool, my Mother passed away on XX/XX/XXXX and I am currently unemployed. 
CITIBANK SOUTH DAKOTA NA and their Attornys want me to pay {$7000.00} as settlement before removing the LIEN on the house but gave me only 5 days to pay it or pay the full amount, they also refused any payment plan that I proposed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a Correspondence that my personal information was compromised in the XXXX internal data breach. After being notified I reviewed my reports and learned that an account reporting as XXXX XXXX XXXX XXXX that I have no knowledge of is reporting on my credit report, On XXXX XXXX, I forwarded a certified letter to XXXX, and Equifax asking that they verify this account and send me their investigation results or Delete this account which I am requesting, the aforementioned credit agencies has failed to do so, they only comment on my credit file that the account was verified, without and supporting documentation or responded to my dispute. I am initiating this compliant against XXXX and Equifax and moving forward with letastl options if this account is not investigated immeditately and deleted.
Product: Mortgage

On XX/XX/XXXX I closed on a Mortgage with XXXX XXXX. 

After being transferred between 3 different lenders XXXX XXXX, XXXX XXXX and Midland Mortgage I put in a request to Midland Mortgage for my original loan documents. I realized that I didn't have full understanding nor was I given full disclosure, explanations, documentation and legal requirements by law on how this process actually works from said lenders via mail. After receiving the requested documents on XX/XX/XXXX I noticed alterations and discrepancies in the documents. 

Alterations and discrepancies : I noticed a gap in the chain of ownership that the 3rd current lender Midland Mortgage is shown on the note insinuating they were present during the original closing date. 
This Signing of the promissory note took place without all parties involved being present. 
My second Lender XXXX XXXX XXXX was never mentioned on the promissory note as the next 2nd owner. 

These alterations and discrepancies raised my concern on the validity of the Ownership and servicing responsibilities carried out by Midland Mortgage. On XX/XX/XXXX i sent a certified letter ( qualified written request with a debt validation ) requesting proof of ownership, from date of original closing up to current, servicing contracts and judgments validating the servicing responsibilities and legal standing of all companies involved, a Validation of the debt owed to Midfirst bank serviced by Midland Mortgage. 

My overall complaint is that Midland Mortgage has not replied to the QWR and Debt Validation letter that was sent on XX/XX/XXXX. Midland Mortgage failed to show proof of legal standing, proof of ownership, proof of claim, judgements, and any other documents to validate their right to collect. Thus Far Midland Mortgage is continuing to collect without proper documentation to support their claims.
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending multiple letters to the credit bureaus, I have not received any response from them nor seen any changes from my report. The negative items which I have been disputing still appears on my credit report. This is clearly a violation to the Federal Law. Per FCRA section 605b, the credit bureaus are required to remove/block any inquiries listed on an identity theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted on my report. 
XXXXXXXX XXXX  Date of inquiry XX/XX/XXXXXXXX XXXX Date of inquiry XX/XX/XXXX
Product: Checking or savings account

I have a bank account with Square which is through XXXX XXXX. 
XXXX XXXX paid for a XXXX XXXX for a specific project that had a due date oXXXX XXXX  XXXX not only was it not completed by XXXX XXXX but the project hasn't even started by that date. We went ahead and held them off and canceled the project completely since it hasn't even started.

the Company said they will refund us but never did. niether did they provide any service what so ever.

I contacted Square and filed a dispute on it and explained the situation.

MORE THAN THAT, I went ahead and provided the clear proof and communications of the developer admitting he failed to deliver and promising the refund and where I have advised them I no longer need the project.

I sent this all to Square. 

It is now over XXXX weeks later since submitted and still I do not have access to the funds and my business is stuck for a month now and held back from a project that we desprately emergency need completed. 

I understand that XXXX XXXX has typically 30 or 60 days to finalize and complete any investigation. however, this is not in place to take extra advantage of customers. this is in place so they have time in the case of deeper investigations. in this case I am very unsure of what is taking 4 weeks and why my business deserves to have funds for an important project stuck for 4 weeks by now on a charge that the merchant has already agreed that they did not complete or began the service/project ... .. it is really really stressful and overwhelming and I need a response as to why this is now being 4 weeks and my business hasn't yet been able to move forward Square Account Number : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX number XXXX has violated my rights. 

15 U.S.C 1681 s. 602A. States, A consumer ( myself ) has the right to privacy.

15 U.S.C 1681 s. 604A. States, A consumer reporting agency can not furnish an account without the written instructions or consent of the consumer ( myself ). 

XXXX and EXPERIAN has furnished my credit file with inaccurate information. Ive disputed it with both parties several times and each time it came back updated. I have provided proof of more inaccuracies committed by both parties. I have the right to an accurate credit file. Please remove and delete this inaccurate account immediately.
Product: Mortgage

I have been paying my mortgage and XXXX ( Balloon ) for 10 years without late payments. From almost the time of acquisition of the property it was under water ( purchased in XXXX XXXX ). the lender on both the XXXX and XXXX mortgage is the same, Wells Fargo. I tried to get a HARP about 7 years ago to refinance, but Wells Fargo declined me, since they said the LTV/CLTV was above XXXX percent. 
The XXXX on my home has a balloon payment that became due in XXXX XXXX. Prior to that I tried to refi and WellsFargo said I did not qualify, and then sent me to another XXXX of their programs and they said I did not qualify and it was not a hardship. So, I called to speak with a supervisor in the loan center since I did not understand why making a payment of $ XXXX plus all at once was not a hardship, and she said since I could take money from my retirement account to pay the loan. Is this the same bank that received a bailout from the Federal Government based on the taxes that I pay? 
For the last 10 years I have been paying on a loan where the XXXX was in excess of XXXX % ; I have made my payments diligently and on-time to Wells Fargo. Now, they are refusing to extend the terms of the loan, so I can continue to make payments and keep my home. This type of loan with a Balloon Payment has been outlawed by the Consumer Financial Protection Bureau ( CFPB ) since XX/XX/XXXX as documented in the Truth-in-Lending Act and Regulation Z relating to a Qualified Mortgage ( QM ) and the Ability to Repay ( ATR ) except for small creditors. Both the first and second mortgages were financed by Wells Fargo at the time of purchase and to-date, Wells Fargo is the creditor of these loans. 
I have been treated unfairly, and this is a game with the bank where they make you jump over many hoops to provide lots of paperwork and run the clock out so the consumer is left holding the bag, with a mortgage default and bad credit. So the bank can turn around and sell the property in a bidding war.
Product: Student loan

I began XXXX school in XXXX of 2016. I contact AES to tell them that I did not want my loans to be deferred. I wanted to pay them while I was in school so that they would count towards my public service loan forgiveness. The company removed the deferment. Since that moment, my account has been placed in deferment multiple times. I have contacted the company by phone several times. I have contacted the company by email, and the same thing continues to happen. Since dealing with this company, my public service loan forgiveness plan will be pushed back at least 6-7 months due to them not auto-drafting my set payment amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX. I received notification that an account was opened in my name on XX/XX/XXXX and now placed in collection from XXXX XXXX and was previously XXXX XXXX XXXX XXXX for {$350.00}. I have never heard of these companies and never have applied for services. I have a fraud alert that has been in place on my Transunion credit report. Not sure how Transunion let this happened. My credit score has dropped And I want this removed off my credit report immediately. I get alerts as soon as something happens to my account and my credit reports are up to date.
Product: Debt collection

I am writing to formally dispute and request the immediate and aggressive deletion of the charge-off accounts listed on my credit report. These accounts are negatively impacting my credit score and financial well-being, and I believe that their presence on my credit report is inaccurate and unjust. I was the victim & I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit. XXXX very confused why this one seems to ignore my requests. 
I understand that the Fair Credit Reporting Act ( FCRA ) grants me the right to dispute any inaccuracies on my credit report, and I am exercising that right in this correspondence. The following charge-off accounts are the subject of this dispute : XXXX XXXX XXXX XXXX request that you conduct a thorough investigation into the validity and accuracy of these accounts and take the necessary steps to remove them from my credit report immediately. I also request that you provide me with written documentation supporting the validity of these accounts, as required by the FCRA. 
If, after your investigation, you find that these accounts are indeed inaccurate or unverifiable, I insist that you promptly delete them from my credit report.
Product: Money transfer, virtual currency, or money service

I was totally approved and giving the ok to activate my Apple Card and XXXX XXXX XXXX but one still getting a message from my XXXX XXXX XXXX ( even after I got a full approval activation link to my Apple credit card ) that sending and recieving money in messages have been restricted and unavailable for my use. its been very difficult to get around this so Im gon na need a bit more help because Im suspose to be in process of getting cash back from my XXXX credit card from making my XXXX purchase. +example -if you successfully dispute a transaction for which you initially earned XXXX XXXX, which results in a permanent credit being applied to your Account ; or so Im pretty sure that means I am approved for perminate unlimited credit. in Conclusion There are just a few more things from my contract I wanted to point out starting with -PHYSICAL COMPANION CARD Upon your request, we will issue you a physical Card that you can use to make Transactions from your Account. 

& -Welcome to Apple Card! 
Your Apple Card Account is issued by Goldman Sachs Bank USA, XXXX XXXX XXXX XXXX ( " Bank '', " we '', " us '', or " our '' ) and this is a legal agreement between you and us. By using your Apple Card Account or adding your Card to XXXX XXXX, you are agreeing to be bound by this " Agreement '', which includes this Apple Card Customer Agreement, together with your rates information, which can be found in your XXXX XXXXt. Please read it carefully, and keep a copy for your records. 
You can view, print, save and email current versions of the Agreement at any time from your XXXX XXXX, or you can request this Agreement by contacting us. 
CONTACTING US XXXX instead of writing this email should I have called because I already spoke to XXXX and she help me as much as possible. Should the percent improve fix Be expected in the new phone?
Product: Mortgage

The mortgage company, OCWEN, held the mortgage on my home which I sold ( closed ) on XXXX XXXX, 2015. OCWEN acknowledged receipt of the funds to close the loan on XXXX XXXX, 2015. They informed me they would send a check for my escrow account ( {$2800.00} ) within 30 days. Despite the fact they had my new address, they claim to have sent the funds to the old address in XXXX. Since the beginning of XXXX, they claim to have cancelled that check and to have sent the check to my address on many occasions. The story is that it has been sent or will be sent and just wait XXXX weeks to receive it. It has now been 117 days since they received my close out and I still have nothing but promises. I have spoken with customer service and/or an escalation specialist more than XXXX times regarding this issue.