23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My mortgage is paid through my bank 's bill pay app. The payment is sent on the same date every month. The mortgage service company received the payment on the date it is sent. But, this month ( XX/XX/2017 ) the payment was sent back to my bank. After speaking with the mortgage companies customer service. I was told, " Because I was 89 days behind on a payment, they will not except the payment unless it was the full amount. To include the past due amount ''. Okay, I accepted that, and is willing to sent the money through my bank 's bill pay app, to the their company, same place I sent it to every month. But, I was told I would have to sent the money by a Money order, XXXX or XXXX electric transfer which is secured funds. The problem is, that either of the above mention methods has a cost associated with it, anywhere from $ XXXX- {$100.00}. And, if they keep sending my payments back, it will continue to put me further in the a hole. Another problem is that, my mortgage has changed servicing company three times. I do n't ever remember signing any documents stating this 89 day rule.
Product: Checking or savings account

On XX/XX/2020 {$1000.00} was given to someone using a stolen ID and they used a withdrawal slip at a branch on the opposite side of town. My wallet was reported lost in XXXX to Wells Fargo. I reported the transaction as fraudulent. In XXXX I had to reopen the case after Wells Fargo Closed it saying it was my hand writing on the withdrawal slip which It was not. It has now been another 3 months and no resolution. I manage a clothing store in XXXX XXXX and was at work when this happened. Thank you for any help you can give me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently have a federal tax lien filed in XX/XX/XXXX on my Equifax credit report. It does not comply with the new reporting standards, and the lien has already been removed from my XXXX report ( was never on my XXXX report ). Their dispute mechanism merely requests verification of the lien and does not include a mechanism for this particular dispute. Please note that in connection with this submission, the summary keeps reporting my birthday as XX/XX/XXXX. It is actually XX/XX/XXXX. It will not correct for some reason.
Product: Credit reporting or other personal consumer reports

Equifax is inaccurately reporting my credit information by omitting accounts in good standing and listing an incorrect address, both of which misrepresent my credit profile. Despite prior requests for corrections, Equifax has not updated my file, negatively impacting my creditworthiness. Under the Fair Credit Reporting Act ( FCRA ), Equifax is required to ensure accurate and complete reporting. I am seeking CFPBs assistance to compel Equifax to address these errors promptly and reflect accurate information in my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Prepaid card

Someone stole money off my account why I was in jail I informed them of this even provided them a copy of my latter of incarceration papers and a police report for my claim and they denied me of my claim
Product: Credit reporting or other personal consumer reports

I have been submitting multiple dispute letters to request to remove the erroneous information that you have been reporting on my Credit File. When I checked my credit record, I discovered multiple billing problems. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any negative statements on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the disputed accounts that should have be corrected : XXXX XXXX Balance : {$170000.00} ; XXXX XXXXXXXX Balance : {$35000.00} ; XXXXXXXX XXXX XXXX XXXX Balance : {$320.00} ; XXXX XXXX XXXXXXXX Balance : {$540.00} ; XXXX  XXXX Balance : {$610.00}.
Product: Credit reporting or other personal consumer reports

My credit is is inaccurate which is not fair to me. Please investigate it and fix it. I ', really tired and sick with these XXXX. Should be there be any updates on my inquires, I " gon na go to court. 

Creditor Name : XXXX Date of inquiry : XX/XX/XXXX Creditor Name : XXXX Date of inquiry : XX/XX/XXXX Creditor Name : XXXX Date of inquiry : XX/XX/XXXX Creditor Name : XXXX  Date of inquiry : XX/XX/XXXX Creditor Name : XXXX Date of inquiry : XX/XX/XXXX Creditor Name : XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has sent me 12 letters in regards quote : TO PROTECT ME THE CONSUMER THEY CANT GRANT ME DISPUTE REQUEST TIL NI SEND THEM PROPER IDENTIFICATION there idiots and responses are frivilous I sent them Passport State ID and Copy Of My Bank Statement as well attached again with this XXXX Complaint since I have XXXX open complaints against Equifax XXXX XXXX at CFPB lack of responsabilitys to enforce I am asking all XXXX open cases to be closed as I have exhausted myself with this waste of tax payers money agency CFPB and exerciscising my right with Attorney to represent me, attached is my last of many open complaints here AGAIN FOR THE RECORD PASSPORT STATE ID AND BANK STATEMENT ( XXXX JUST GOT ADDED TO THE LAWSUIT ) CFPB PLEASE BE ADVISED IAM GATHERING INFORMATION TO SEE IF I CAN ADD AS WELL you have closed and responded many and tagged it as duplicate THESE 3 CREDIT BUREUS AS WELL AS ME YOUR AGENCY IS A JOKE AND THESE 3 IN REGUARDS NO HOW TO MANIPULATE YOUR SYSTEM the attached is AGAIN proof that XXXX as well Equifax responses are not alone lyes but slapping you in the face stating they can do what ever there hart desires CFPB YOUR NOT AT ALL HERE TO PROTECT US YOUR JUST A MIDDLE PERSON PROVIDING PUBLIC INFORMATION were investigating if your even publishing this XXXX SEE ALL LIABLE IN COURT MARK MY WORD
Product: Credit card or prepaid card

On XX/XX/2019 synchrony bank deliberately committed fraud sending me l letter saying my credit score was XXXX and approved me for a card at 24.49 % I believe this is a predatory lending practice based on my race and not even acknowledging my real credit score of XXXX the lowest of all three credit reporting agencies
Product: Vehicle loan or lease

I applied for a loan for automobile and it was denied, but this item is still on my credit report
Product: Credit reporting or other personal consumer reports

I need assistance with addressing some concerns regarding identity theft. I have been dealing with this issue for the past few months and have been in communication with the bureaus. Despite sending my FTC and CFPB reports multiple times, they keep requesting new documents. I request the removal of fraudulent accounts and reports from my credit profiles. The fraudulent account is under XXXX XXXX - XXXX - opened on XX/XX/XXXX. This account was deleted across XXXX and Equifax due to identity theft and this is only in XXXX. Additionally, there are fraudulent inquiries from XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX  on XX/XX/XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX  on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, and XXXX XXXX on XX/XX/XXXX. Furthermore, there is an inaccuracy in the report for XXXX XXXX XXXX XXXX - XXXX - opened on XXXX XXXX, XXXX. I was mistakenly reported as late on payments. They had set up automatic payments, which got canceled. Despite contacting them, they assured me that it would not reflect as a late payment. I have attached my FTC reports and IDs for your reference.
Product: Mortgage

I was offered a trial modification by Caliber Home Loans and have made my trial payments within the month, as I am suppose to. However, my May payment was never posted, and I immediately contacted Caliber and requested my Payment to be processed. They agreed and my payment was processed. In XXXX I sent my Payment in, as instructed, and it has not been processed. I attempted to make the payment through the automated payment, but it would give me an error message and I was unable to successfully process my payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint on XX/XX/2018 to the CFPB regarding XXXX XXXX failing to validate a debt that they have been reporting to Transunion. This XXXX XXXX account was removed from other credit reports due to not being validated. I would like to know why Transunion is still reporting this debt even though XXXX XXXX has failed to supply any validation of debt to me within the allotted time after my written request? XXXX XXXX also failed to respond to the CFPB complaint and provide the requested validation within the allotted time period. I would like to know how then is Transunion verifying information that XXXX XXXX themselves, and no other Credit bureau has been able to validate? They have not provided me with any documents to suggest they have investigated or validated any information from XXXX XXXX. They just keep sending the same generic response letters to the CFPB complaint and putting the account in an endless rotation of false investigations. Only to reply with another generic response that the company XXXX XXXX has verified that the information is accurate. Transunion has also handled my debt validation requests with XXXX XXXX in the same manner. XXXX XXXX like XXXX XXXX has failed to provide me with any documentation that is signed by me or includes any of my personal information such as social or state DL number. I have also submitted a complaint on XXXX XXXX through CFPB. They have failed to respond to that complaint as well. So again the same scenario that instead of truly investigating the errors on my report Transunion is just replying with a generic standard reply and not validating the debt at all.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, a financial institution and furnisher of information, along with XXXX AND TRANSUNION, consumer reporting agencies, have willfully failed to comply with federal regulations by misusing my consumer report regarding account number : XXXX. 12 CFR 1016 ( Regulation P ) regulates and protects the privacy of consumer financial information. 12 CFR 1016.16 regulates and protects the Fair Credit Reporting Act 15 U.S. Code 1681 et seq. 12 CFR 1022 ( Regulation V ) Appendix M regulates and specifies obligations of furnishers of information to consumer reporting agencies under the Fair Credit Reporting Act 15 U.S. Code 1681 et seq. 

I, the consumer, have been adversely affected by XXXX XXXX, XXXX, AND TRANSUNION being willfully noncompliant with the proceeding federal regulations. 

12 CFR 1016.16 regulates 15 U.S. Code 1681 section 602 which states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' My privacy is being violated by the misuse of my consumer report. 15 U.S. Code 1681b section 604 states In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. XXXX XXXX, XXXX, AND TRANSUNION do not have my consent to furnish said information, and I have never given them written or verbal consent. Any implied consent is revoked. 

12 CFR 1022 Appendix M regulates 15 U.S. Code 1681a ( 2 ) ( A ) ( I ) which states " Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; IRS Publication 4681, Chapter 1 regarding canceled debts states that a canceled debt is considered ordinary income, which is taxable. This charge off is taxable income and not to be included on a consumer report. 15 U.S. Code 1681s-2 states 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. XXXX XXXX, XXXX, AND TRANSUNION are willfully misusing this information on my consumer report. 

12 CFR 1022 Appendix M regulates 15 U.S.C. 1681n ( a ) ( 1 ) ( A ) which states Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of : any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. XXXX XXXX, XXXX, AND TRANSUNION have been willfully noncompliant by continually misusing my consumer report after I filed a complaint. 

12 CFR 1016.7 states, A consumer may exercise the right to opt out at any time. I am opting out of any and all of your reporting services. 

My intent is to sue if said issues are not resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is after several complaints and being provide the same documentation is requesting in writing proof of current legal address and legal name. This is my final attempt at correcting obvious errors on my Equifax Credit Report. Please See Attached Prior Complaints. 

The is no " Formally Known As '' or Name Change.This the incorrect spelling of my legal name and needs to be remove immediately..
Product: Money transfer, virtual currency, or money service

identify you and your account. 
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair pra

ctices, 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 proce 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 23 financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

I received a letter from First Continental and XXXX XXXX on XXXX2018 in regards of Denial of VA Loan Modification in which I have sent to Department of Justice XXXX XXXX and Federal CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXXXXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX  # XXXX has violated my rights. IS 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 The following accounts are all fraud and need to be deleted from my credit report immediately.
Product: Debt collection

ENHANCED RECOVERY COMPANY # XXXXI had previously disputed this account. I have never done business withENHANCED RECOVERY COMPANY Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt ENHANCED RECOVERY COMPANY. I request that ENHANCED RECOVERY COMPANY Provide verification of the following : 1. ) The original Application or contract 2. ) Any and all statements allegedly related to this debt 3. ) Any and all signed receipts 4. ) Any and all canceled checks 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that ENHANCED RECOVERY COMPANY Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

I had lost my job and didnt have the money to pay the credit card bills and its bring my credit down really bad Im really needing a new vehicle but cant because of that.. i have a full time job now as a machine mechanic i make great money now so i can afford to pay for the payments i been paying them so Im tryna get these off so i can build my credit back up. Thanks
Product: Checking or savings account

Chase charged me overdraft fees before sending me an alert notification that I had negative funds in the account
Product: Debt collection

I had a XXXX XXXX account listed on my credit report however, XXXX XXXX sold this account to Portfolio Recovery in the amount of {$1400.00}. I disputed this account with XXXX XXXX for inaccuracies and XXXX XXXX deleted it off my credit report. I have the documents showing it was deleted. Portfolio Recovery has been contacted numerous times about this account and I even stated that XXXX XXXX deleted it. Also, I asked Portfolio Recovery to provide validtion that this is my account and they can not provide the information.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, TRANSUNION Last XXXX XXXX RE : XXXX XXXX Partial acct number. 
To whom it may concern, I am contacting you account. because I have found some information that is PRIVATE BY LAW on my credit repor You are reporting late payments on the account ( XXXX ) .and accordance with the fair credit act XXXX Has violated my rights. XXXX XXXX XXXX XXXX XXXX XXXX I have the right to privacy. XXXX XXXX XXXX Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
XXXX XXXX XXXX XXXX : A creditor may not treat a payment on a credit card account under an open end XXXX consumer credit plan as late for and purpose XXXX XXXX XXXX S- XXXX : ANY REPORT CONTAINING INFORMATION SOLELY AS TO TRANSACTIONS OR XXXX EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORTI This PRIVATE I request that you verify the information and update the payment history account as " PAID, NEVER LATE '' immediately. 
After doing so please provide me with an updated reflecting the changes. 

Best Regards, XXXX XXXX
Product: Debt collection

This complaint was not resolved XXXX. First Federal Control did not send ALL the requested documentation that I request for validation. Merely sending copies of a statement is not validation. Anyone can make copies! FCDPA laws are being violated and this complaint was sent to Attorney General Office. The documentation that was asked for was not provided nor did the documentation get sent to CFPB. In my prior complaint number XXXX you will see ALL the documentation I requested was not sent! This is my last attempt to rectify these erroneous accounts that first federal control has not validated and have put on my XXXX credit report. I take my credit serious and this is ruining my credit score and credit to the extreme. I am a victim of identity theft and no consumer should have to endure such foolishness! While in dispute this better be removed IMMEDIATELY! Send ALL the documentation that was requested!
Product: Checking or savings account

TD Bank erroneously reversed provisional credits of over {$1200.00} for charges I disputed against the merchant XXXX, resulting in my account becoming negative. TD Bank then rejected all of my attempted transactions, leaving me without basic necessities like toilet paper because TD Bank can not read, and reading is fundamental in order to resolve banking problems. 

TD Bank incorrectly asserted that I did not send them the requested information by the specified deadline in order to maintain my provisional credit, because I sent it via email to them by the deadline and see the attached proof. Before I emailed it, I went into their XXXX branch who could not fax the information to their claims dept because the fax was not working. I attempted to resolve this with TD Bank multiple times. I want TD Bank fined. I want my money back plus interest according to the usury rate. TD Bank has also locked my account and will not provide me with any information over the phone or over the internet because they insist that they must " send me a text message '' despite my informing them that I lost my phone weeks ago. They are complete XXXX. Following resolution of this matter, I want my account closed with TD Bank as I will never bank with them again because reading is fundamental folks.
Product: Student loan

I began the process of applying for the SAVE plan via studentaid.gov at least 2 months prior to the repayment begin date of XX/XX/23. As of XX/XX/23, they still have not completed the request. I submitted at least 2 applications via studentaid.gov and 1 through Edfinancial 's website. They kept denying my application incorrectly stating I needed updated proof of income ( I both gave the access to my tax return via the IRS process AND uploaded my '22 return on their website ) and they said I had to call and request to be removed from IBR and make a {$5.00} payment. This is an unnecessary burden b/c the studentaid.gov site allows you to request to be removed from IBR and pay a reduced pay forb payment of {$5.00}. It took a complaint to FSA to get them to process the app ( amazingly enough, they did have what they needed to process after all ) but, of course, they did it wrong. They used a household size of 2 instead of 4 as indicated on allll my applications and tax returns. So I told them to reprocess, which they have yet to do and the due date is a week away. These companies are not equipped to service these loans. I already caught them adding on {$43.00} in interest which took escalated complaints to FSA to get them to understand and resolve.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to contact Experian for months now! I have been calling constantly to cancel this membership! It is impossible to talk to someone! I have been on hold for hours and hours and sometimes it just disconnects the call! They have been charging me $ XXXX/month for a service that I CAN NOT cancel and DO NOT use. This is the biggest scam ever!
Product: Debt collection

XXXX XXXX has claimed that owe XXXX XXXX {$2700.00} for a payday loan ( which is not legal in Maryland XXXX I have told them on several occasions that this is not my debt, they have listed this on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I've written Transunion in regards to date of last activity on my account for XXXX and they have not responded back or sent any results.