23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

By XX/XX/2019, we signed a contract for 3 month to rent an apartment in the apartment complex named as XXXX XXXX, located in XXXX XXXX, managed by XXXX XXXX XXXX, we was paying XXXX monthly for 2 month, we was working for XXXX, but we lost our jobs because with the covid 19 the company was really affected, we wasn't able to keep making payments and we left the apartment, we wasn't able to pay the last month that suppose to be XXXX. We received a debt collector notice for an amount of over XXXX, we make a payment plan that in the middle of the covid 19 crisis allow us to pay more than XXXX of that debt, but our economic was really affected and we wasn't able to keep making payments and basically that amount is over what we suppose to paid, that's why i considered this account was satisfied and the amount that was reported was wrong, if someone check my accounts this is the only debt collection account that i have, i don't have the best credit score but i am a responsible person.
Product: Credit reporting or other personal consumer reports

Had Experian look at some disputes for me and they still came out afterwards
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed an FTC report # XXXX and a dispute with Experian on XX/XX/2022, for the fraudulent account XXXX XXXX  XXXX due to fraud and provided a police report # XXXX. Experian deleted the account in XXXX of XXXX. They then added the XXXX XXXX XXXX account back on my consumer report recently when I checked the account XX/XX/2022. I then called the fraudulent department on XX/XX/2022 to get the account deleted again and explained to them that the account is fraudulent and I need it deleted. Experian said they could not dispute or delete the account going forward and it will remain on my consumer report.
Product: Debt collection

I sent a certified letter to LJ Ross on XX/XX/XXXX request validation of a debt they have listed on my credit report. LJ Ross received the letter on XX/XX/XXXX. To this day, I have not received any information validating the debt, and they continue debt collection practices by reporting it on my credit. According to what I read on the CFPB 's website, they should not be reporting anything that they have not validated. Also, it has been longer than 30 days since I requested proof of the debt. I have not received anything. 

This has been very damaging to my credibility and has limited my ability to obtain better financing a terms with other companies. Please investigate to have this information removed and collection actions stopped.
Product: Mortgage

To Whom it may Concern, This must be unfair, deceptive and fraudulent practices by Rushmoore Loan Management Services and XXXX XXXX XXXX XXXX XXXX XXXX XXXX  We Received a letter from the attorneys office XXXX, XXXX and XXXX XXXX. Notice of intent to for close dated XX/XX/XXXX and sell at auction XXXX XXXX. 
We are beside ourselves with fear. PLEASE HELP US SAVE OUR HOME of 16 Years! 
In XX/XX/XXXX XXXX incorrectly denied us a covid relief for our mortgage. 
In XX/XX/XXXX XXXX incorrectly denied us for a covid forbearance AGAIN In XX/XX/XXXX We appealed the decision with a resolution. We were STILL denied assistance. 
In XX/XX/XXXX XXXX pushed us off and sold our mortgage to Rushmoore Loan Management Services. 
XXXX informed us our payments would stay the same. 
Our First Loan Payment of {$1800.00} was due in XX/XX/XXXX ( no penalty 's or late fees for 60 days. Well that never happened, completely lied to and deceived. 
We sent our first payment XX/XX/XXXX for {$2000.00} dollars ( more than the minimum ) We sent the second payment on XX/XX/XXXX for {$2100.00} dollars ( more than the minimum again ) Neither checks were applied and the checks were returned with a letter stating they want {$56000.00} dollars. 
Neither Company offered us covid help. We were both out of work for long periods of time. 
My girlfriend had to quit her job to stay home with our then XXXX old daughter to home school for XXXX straight years as our schools were closed. 
COVID destroyed our Family. WE LOST SO MANY ... AS WELL AS LOSING OUR LIVELIHOOD. 
We absolutely should have been given the opportunity to pay when we could.They were both absolutely no help at all. They always rejected a payment. 
Our XXXX percent interest and all the penalties and late fees are just over the top. 
We struggled to keep food on the table and heat in the winter. The stress was unbearable at times. 
We have gone through Mortgage company after company. 
XXXX XXXX was our first Mortgage company- XXXX XXXX was our second ( oddly never mentioned in the letter from the attorneys, we paid mortgage payments to them for years ) All the other companies are mentioned. 
- XXXX XXXX XXXX XXXX ( XXXX ) was our third - Rushmoore Loan Management Services is our fourth. 
My Girlfriend is signed to communicate with both companies and has kept every letter, and application process from both companies. 
PLEASE HELP
Product: Vehicle loan or lease

I paid my car off in XXXX or XXXX of XXXX. The company then sent me a certificate of title in the state of Florida. I thought it was fine as this was my first car. I live in a different state and I took said document and went to present it to change my tag and etc. the lady told me it was sufficient as there is still a XXXX in the vehicle. Prior to making my last payment I confirmed by voice call that this would be my last payment and I have the date of that call in my other phone. And I soon received a title. But apparently it isnt enough for proof of ownership. 

I asked them to provide me the correct documentation by email as I need it immediately they did not provide such things
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX Balance {$180.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$18000.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$15000.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$15000.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$8800.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$2100.00} Open Date XXXX XXXX, XXXX XXXX XXXX Balance {$1400.00} Open Date XXXX XXXX, XXXX XXXX XXXX Balance {$140.00} Open Date XX/XX/XXXX Inquiries XXXX Date XX/XX/XXXX XXXX XXXX XXXXXXXX Date XX/XX/XXXX XXXX XXXX XXXXXXXX Date XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Date XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I submitted a request for validation and verification of dismissed bankruptcy reporting on my credit report from XXXX  XXXX. It came back as verified by the court and reporting that the court is the furnisher of the information. This investigation was completed on XX/XX/2018. On XX/XX/2018 I contacted XXXX  asking who or what entity verified this information, I was advised that the information was verified by a 2nd and or 3rd party. I notified them that with my original request I had included a letter from the court in question that states they do not verify, validate or report any information to CRAs or any other furnishers. When I asked for the source to whom performed this verification / validation, I was told they do not disclose that information and that they are not obligated to do so. This in its self is a clear violation of FCRA 611 ( 15 U.S.C. 1681I ) ( b ) ( iii ), ( v ). I further bring notice of the request for verification and or validation requested not only the verification and validation, but also the process and or systems used, any furnishers, persons and or entities used in collection of data and or information in regards to this dispute. This refusal to provide the requested information is a violation under the FCRA 611 ( 15 U.S.C. 1681i ) ( 6 ) ( b ) ( iii ) ( 7 ), FCRA 616 ( 15 U.S.C. 1681n ) and or FCRA 617 ( 15 U.S.C. 1681o ). Under FCRA 609 ( 15 U.S.C. 1681g ) ( 2 ) I will enact my rights to file a suit with the district court in my region
Product: Credit reporting, credit repair services, or other personal consumer reports

Misleading Information on my credit report
Product: Credit reporting or other personal consumer reports

Bank of America is knowingly reporting this inaccurate account after notifying them previously last year of this inaccurate reporting. They are damaging my credit score and causing my XXXX due to me being denied for housing because of this error.
Product: Checking or savings account

On XXXX XX/XX/XXXX, I applied to open a Citigold Interest Checking and a Citi Savings account via the Citigold Account Opening Bonus promotion page. The terms of the promotion stated that I would receive a {$1500.00} bonus upon maintaining a {$200000.00} balance in these accounts for ninety days beginning within one month of account opening. On XXXX XX/XX/XXXX, I called the Citigold Service Center, and the representative confirmed that this promotion has been applied to my account. Consequently, I deposited {$220000.00} on XXXX XX/XX/XXXX and have maintained this balance continuously for ninety days ( through XXXX XX/XX/XXXX ) and since then, thereby fulfilling the requirement to receive the bonus. However, I have not been credited the bonus as of XXXX XX/XX/XXXX. 

On XXXX XX/XX/XXXX, I telephoned the Citigold Wealth Relationship Manager assigned to my account, XXXX XXXX, who assured me that I have fulfilled the requirements for the bonus and that he would make a service request to have the bonus deposited into my account. Furthermore, on XXXX XX/XX/XXXX, I telephoned Mr XXXX again, and was informed that the request to deposit my bonus has been approved and would be deposited into my account imminently. However, by XXXX XX/XX/XXXX, I still have not been credited the {$1500.00} bonus that I am entitled to.
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 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 XXXX. 
financial loss, and I seek appropriate redress ( 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 these violations.
Product: Credit reporting or other personal consumer reports

Please see my attached Notice to file Suit, my break down of all transactions with XXXX  showing XXXX 30 days + late payments BUT INSTEAD a one time deferment plan set up then an immediate extra/over payment when it was due ( on time ). You now have 24 hours to fix this or you will be summoned to court and my attorney will be taken over in a class action suit. You guys are just taken their word not even seeing they close out compalints immediately with XXXX proof to back them..they don't care and neither do you but I do when it comes to my livley hood and 7-10 years of being stuck in life because you guys mishandled my accounts!
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT.

Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XX/XX/XXXXXXXX Account Name : XX/XX/XXXX Account Name : XX/XX/XXXXXXXX UNAUTHORIZED INQUIRIES : XXXXXX/XX/XXXXXX/XX/XXXX
Product: Debt collection

Need to provide 1099-C for discharged debt, therefore reporting inaccurate information to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, there is several incorrect information seen written in my Credit Report and is clearly a violation of the Fair Credit Reporting Act, 15 USC Sections 1681i, which state that reporting unverified information without any proof provided within the time allowed by law is not authorized. The inquiries listed are inaccurate and needs to get deleted immediately : XXXX XX/XX/2020
Product: Credit card

Months ago i was made aware that someone opened a credit card with discover in my name. i have never opened an account or gotten a physical card. there are charges in XXXX. i have never been to XXXX. money has also been sent through XXXX to other countries. i have called and called and called discover trying to get it resolved and they wont recognize it as ID theft. they are still sending me bills saying I owe them money and its ruining my credit score. Its even affecting my XXXX  and XXXX XXXX tremendously from dealing with all of this.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Dear Third Party Credit Bureaus XXXX, XXXX XXXX Transunion XXXX : Dispute Regarding Unauthorized Disclosure of Nonpublic Personal Information under 15 U.S.C. 6802 I am writing to formally dispute the unauthorized disclosure of my nonpublic personal information by XXXX XXXX XXXX XXXX. Under the provisions of 15 U.S.C. 6802, I am entitled to privacy protection regarding my personal financial information, and it has come to my attention that this right has been violated. 
On, XX/XX/year> became aware that my personal financial information was disclosed to XXXX XXXX XXXX without my consent and without providing me the opportunity to opt out, as required by federal law. This disclosure was done in violation of 15 U.S.C. 6802, which mandates that financial institutions provide a clear and conspicuous notice of their privacy policies and obtain explicit consent or provide an opportunity to opt out before sharing such information with nonaffiliated third parties. Notification of Negative Information ( 15 U.S.C. 1681c-1 ) : Financial institutions are required to notify consumers within 30 days if they furnish negative information to a consumer reporting agency.

I demand that you take the following actions immediately : 1. Cease and desist any further unauthorized disclosure of my nonpublic personal information.

2. Provide a detailed explanation of how my personal information was shared, including the specific information that was disclosed, the identity of the parties who received it, and the purpose for which it was disclosed.

3. Rectify any adverse effects caused by this unauthorized disclosure, including but not limited to, contacting the third parties involved and ensuring the removal of my information from their records.

4. Provide written confirmation of the steps you have taken to address this issue and ensure that such an unauthorized disclosure does not happen again in the future.

Please treat this matter with the utmost urgency. If I do not receive a satisfactory response within [ reasonable timeframe, such as 30 days ], I will have no choice but to escalate this issue to the appropriate regulatory authorities and consider taking further legal action to protect my rights.

I trust that you will address this matter promptly and seriously. I look forward to your timely response. 
Sincerely, XXXX XXXX
Product: Mortgage

My father who was XXXX XXXX veteran owned a home and passed away 2016 several years ago pre pandemic. I was able to maintain his property until the pandemic. I temporarily lost income due to the pandemic. I was able to resume payments after missing 12 payments. Ive been making my monthly payments ever since. I have been in contact with several representatives staying in contact ensuring Im doing everything in my power to retain my fathers home. Ive had rude representatives who talked over me when Im explaining my situation. They acted as if Ive done something personally to them. They stated I was eligible for a loan modification. For the last two years they have bending me over backwards asking for several documents in which I have provided them all. From death certificates to filling out several paperwork such as online applications. However, they required additional information and that we get the home in our names. Ive done everything they asked me to do and more. The most recent incident they stated they would bring the loan up to good standings if I was able to secured notarized signed documents from me and my siblings by a certain date. They stated we must all sign on the same date at the same time. I advised this was not feasible since we all live in different states. Flagstar advised this is the final document that is needed to bring the loan up to date and stated to just get the necessary documents back to them and they would take care of the loan. I told them I could do this because my siblings birthday was in XXXX and I planned on visiting which I can get everything done. They stated this is the last and final document that is needed before they bring the loan current. Flagstar records all conversations so Im telling the truth. I submitted the notarized documents they asked for in XXXX by the date they requested. I was told thats all I need to do. I called to check the status and was told my loan modification was denied due to having enough income. Tell me how does that make sense. Im XXXX at Flagstar for doing this to me. Ive written several letters and emails expressing my concerns. Im beyond fustrated to hear Flagstar is requesting I do something else. This has to stop at some point. They are literally lying to me. They keep asking for this and that and after two years I need someone to look into to see if this is practical. They are giving me fasle information making me jump through hoops because they can. I understand Im at the mercy of Flagstar and we all have been through a lot but when you have someone who is trying to get back on track it can be a bit daunting. Ive done my part and now someone need to hold Flagstar accountable and bring the loan up to date. Please help!
Product: Debt collection

I have a bill with XXXX. My insurance denied it due to not getting info from the doctors office. My doctor finally sent in what they wanted and it 's now in review for payment at the insurance. My insurance said that the review could take a while. It 's a XXXX that they have paid in full in the past. I keep getting phone calls several times a day even after letting them know it will get paid by insurance. Today XXXX/XXXX/16 during my wife 's XXXX they called repeatedly even after I told them what was going on and I could not talk to them at the moment.
Product: Debt collection

CRA VIOLATION NO KNOWLEDGE OF FRAUDULENT ACCOUNTS APPEARED ON MY TRANSUNION CREDIT REPORT. FTC ID THEFT REPORT # XXXX
Product: Credit card or prepaid card

American Express cancelled my accounts and took all Membership Rewards points that I had accrued without any notice or explanation.
Product: Credit reporting or other personal consumer reports

I was trying to buy a house and I was told that my credit was damaged but I dont know how. According to 15 U.S.C 1681 there should not be any damages to my credit report and it is defamation to my character.
Product: Payday loan, title loan, or personal loan

THESE ACCOUNTS DO NOT BELONG TO ME, PLEASE REMOVE THEM FROM MY CREDIT REPORT.
Product: Money transfers

My money transfer was put on hold, due to a " need '' for additional information. Tried to call them was put on hold for almost XXXX hours, so I disconnected the call and redialed their number. Then after refusing to let them transfer me again, I told the lady whom I was speaking to that she needed to help me out, and that even though it was unfair of me to wait, I told her that she could put me back on hold, instead she disconnected the call on me. So at XXXX I decided to call them back. I got through to someone almost immediately, only to be place back on hold and that was XXXX minutes ago. Money gram is refusing to let me cancel the money order also, placing it on " A hold ''. I feel like this is against my rights because they had no problem taking my money but now I ca n't seem to get it back. I do personally know the receiver of the money, so I have no worries about it being a scam. I am still on hold after XXXX minutes on this phone call. The representatives on the phone were also very hard to understand as they did not speak clearly and understandable. They were also asking very personal questions, I understand they are just trying to make sure nobody is getting scammed, but after I have personally confirmed that I knew the receiver and there was no way at all it was a scam, they should have had no problem sending the money through. I am very displeased with this company and will no longer be dealing with them, and the same goes for the receiver of the money.