23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Complaint 1 : Against XXXX XXXX for Irregularities Related to XXXX Origination of Interest Only Balloon 2nd Mortgage for Our Primary Residence Complaint 2 : Against XXXX XXXX XXXX - Foreclosure Agent for XXXX XXXX  Date : XXXX XXXX, XXXX We are writing to lodge a complaint against and ask for assistance with our negotiations with XXXX XXXX. In XXXX we were sold, unbeknownst to us, an Interest Only Balloon Payment 2nd Mortgage on our home. We never met or spoke with a Mortgage Broker from XXXX XXXX and we have received no origination documents from XXXX XXXX which was signed by a member of their staff. 
We paid our mortgage faithfully and on time each month for 10 years. Suddenly, in XXXX, XXXX XXXX demanded that we pay the mortgage in full. They gave no reason, refused to work with us on renewing the loan as a normal amortizing mortgage and subsequently began foreclosure proceedings on our home. We asked them to renew the mortgage multiple times and proved we could afford to make monthly payments on an amortizing loan, but they refused to even consider our requests. We made these requests in good faith despite the fact that our home was, and remains, under water. 

After years of fighting with XXXX XXXX and their loan servicer, SLS, we sought help from a housing counseling agency and an attorney. We have made a cash offer to XXXX XXXX for a Short Payoff and have provided evidence of Proof of Funds from a private lender. They are reviewing our documents, but have refused to postpone the Sheriffs Auction on our property. 

We are asking with this letter of complaint that the Consumer Financial Protection Board investigate this complaint and intercede with XXXX XXXX to postpone the Sheriffs Auction scheduled for XXXX XXXX, XXXX. 

We have attached details on the case, an analysis of comparable property values, the communications from our attorney to XXXX XXXX and its servicer, and the Qualified Written Request submitted to SLS under Section 6 of RESPA. 

Thank you for your consideration and assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have reached out to SYNCB and XXXX about this account a few times already they have dont nothing at all to fix the problem. They are saying i have a balance of {$1400.00} in which i contest to the fullest.
Product: Credit reporting or other personal consumer reports

My issue is with Experian. 
Since XX/XX/year> I have made multiple disputes regarding 2 accounts. 
First, XXXX. I sent Experian and XXXX identical information regarding the reason and provided actual court documents to support my claim as to why it should be removed. XXXX removed it immediately Experian claims its verified and remains and I have disputed that XXXX more times since XXXX with Experian. 
Secondly, XXXX XXXX XXXX. Again, sent to XXXX and Experian identical information regarding the reason and provided contact information to the Company and its Finance officer that is in charge of reporting it was an error and was NEVER late. And again, XXXX did their due diligence but Experian did not. I personally spoke with the XXXX department at XXXX and they confirmed that ONLY XXXX reached out to confirm their error and was removed immediately BUT not Experian which is claiming remains verified! I have continued to dispute with Experian XXXX more times! 
Just recently I lost my vehicle to a horrendous accident so I was in need of a new loan. Had Experian done their job I would have been granted better interest rates!! However, due to XXXX lack of due diligence it has cost me thousands of dollars that could have been avoided if they actually followed through.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. This items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this items, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit card

I went onto Chase.com and paid my bill but the website somehow did not process my payment. I put my bill away and went back onto Chase.com the following week and noticed that the payment was overdue. I called Chase to explain I was certain I made the payment, but they would not remove the late charge.
Product: Money transfer, virtual currency, or money service

I was scam thought XXXX. ( XXXX ) XXXX. I know I ca n't get my back but person need to be stop. Flip scam. I should know better but I was in XXXX after losing my father. I lose XXXX dollars. Using money Gram and XXXX XXXX. But I want him to be stop. I have account with both. I hope he do n't use my information. I attached some of the dumbest I have done.he said his name XXXX.
Product: Credit reporting

I recently had an investigation conducted for my account with XXXX XXXX XXXX XXXX. The account says that my XXXX 2015 payment was 30 days or more late ; however, this bill was paid. This bill was not 30 days late, and this is evident in the reversal of the late charge on XXXX/XXXX/15. This is included from my online account summary.
Product: Debt collection

I was billed for insurance through XXXX XXXX and the bill has been paid, but it still appears on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute in XX/XX/XXXX requesting that these account be validated because they are reporting inaccurately. The FCRA reports that all information must timely, verifiable and 100 % accurate! 

These accounts are not reporting accurate : *XXXX XXXX  does not show this account being ever late in XX/XX/XXXX ( XXXX  ) I was NOT notified of this account being added or resubmitted. 

XXXX XXXX does not show this account being ever late in XX/XX/XXXX XXXX XXXX XXXX ) I was NOT notified of this account being added or resubmitted. 

I Demand that these accounts be removed immediately or I will file litigation due to the stress you have caused me.
Product: Debt collection

I received a collection document from XXXX XXXX XXXX regarding a deliquent debt with XXXX XXXX XXXX. I currently hold good standing accounts with XXXX XXXX XXXX. XXXX XXXX XXXX has confirmed with their debt recovery unit that I have no delinquent debt. The account which is listed on the document has been confirmed with XXXX XXXX XXXX as not being any that I 've ever held with them. 

I 've requested proof of the original debt from the personnel at XXXX XXXX XXXX and was told it would take 30 - 45 days. I 've been threatened with action being taken in 2 weeks. The current owner of the debt is Pyramid Aquisitions. According to the information I 've received from XXXX, the account is as old as 2006. 

This sounds fraudulent or like a phishing scam. Please investigate and let me know what action I can take. 

Thank you!
Product: Credit card or prepaid card

RE : CLAIM # XXXX I do not feel that Chase Bank properly took the time to address my dispute with a merchant regarding a cancelled transaction that I was still billed for, especially with all the information and documentation that I provided. They did not take the time to properly look at my case, nor even as much as took the time to interview or question me about what exactly happened. If they did, they would clearly see that the merchant did not fulfill their end of the agreement. They now have my money and product, due to Chase Bank 's negligence, lack of communication and careless dispute process. 

I put a deposit of {$400.00} for a sofa and loveseat set from XXXX XXXX XXXX, in XXXX XXXX, Nevada on XX/XX/2020. The transaction was done in the store located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX. The contract clearly shows that the products were to be delivered on XX/XX/2020. On XX/XX/2020, I not only 1. called the merchant to cancel the order, 2. requested to cancel the order in writing via email, and 3. tried to cancel the order in person, all of which the merchant refused to do, which at that time I had no choice but to file the said dispute via Chase Bank. 

After doing their so-called " investigation '', Chase Bank found that I was liable for the charges, because " the merchant stated that you left the store with the merchandise. '' First of all, the contract ( that I also provided to Chase Bank ) shows that the product was to be delivered to my address on the contract on XX/XX/2020. Secondly, what furniture store has inventory on hand, and what kind of customer can just " walk out the door with the merchandise ''? Third, the contract shows that a {$400.00} deposit was paid, with a remaining balance due of {$1500.00}. What company allows a customer to walk out the door with the merchandise with a balance due? Fourthly, the section stating " received this merchandise in good condition by '' sign/date was never signed by me. All of this was shown on the contract, as well as clearly explained to the members of the dispute department at Chase Bank, who then claimed that the merchant stated I have the merchandise and thus I am liable for the charges. This is not only a fraudulent statement placed by the merchant, but is in no way a proper way to handle a dispute by Chase, who had all the evidence of the merchants wrong-doing in their hands, but yet still sided with them.
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 there 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 have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), XXXX U.S.C. 
XXXX ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Sls mortgage company claims that they used my escro funds to apply towards my payoff. XXXX XXXX asked for a payoff and SLS mortgage used {$890.00} of my escrow funds o apply towards the payoff. This doesnt make sense. I was owed {$1200.00} and they deducted the difference without any itemized break down. Important note : SLS mortgage also charged me a late fee of {$35.00} which was deducted from escrow. I have 16 grace period days to pay. I was not late. This is unethical and bad business practices on their part to steal {$35.00} from me. I was never late. They received there payoff on time before the XXXX day of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've received letters from XXXXXXXX XXXX, XXXX XXXX XXXXXXXX, and Discover financial service stating I was denied a credit line, but I did not authorize this. Discover and XXXX XXXX XXXX were hard inquiries on my credit. I've filed an identity Theft Report. I also had a false phone number and address under my name. I had to put a freeze, and fraud alert on my credit.
Product: Credit reporting

According to Equifax they confirmed that I have the debts from a XXXX XXXX in XXXX, Texas and that is not true at all. I do not know where and what it is. I am XXXX and have been treated by either VA hospital in XXXX or VA clinic in XXXX. Who ever made claim is incorrect. 
The time frame that the charges at XXXX were done I was NOT in area!
Product: Mortgage

2nd complaint - the first response was addressed to someone other than myself - I don't live at or have any knowledge of the address listed on response ( XXXX XXXX, XXXX XXXX, CA ). I did not apply for a refinance, our loan did not process in 2020, nor did I apply with a 3rd person. This response does not belong to me. 

My rate was locked 8 days after updated credit report was generated and discount points increased the day after rate lock with no new information or valid change known at least 3 business days prior. Per the CFPB TILA-REPSA disclosure rule, the lender " may not issue revisions to Loan Estimates because they later discover technical errors, miscalculations, or underestimations of charges. ''
Product: Credit reporting or other personal consumer reports

recently i review my credit report with XXXX,, XXXX Equifax this is in violations of accuracy of report At present, under 15 U.S.C. 1681e ( b ), and and 1681i. 
please remove the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  sincerely
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 Name : XXXX Account Name : XXXX XXXXXXXX XXXX Account Name : 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: Mortgage

Please see the attached documentation, including the most recent letter that was sent to U.S. Bank on my behalf. U.S. Bank misrepresented to the CFPB that U.S. Bank was unable to locate a call or record of a payment being received pursuant to the XXXX XXXX XXXX XXXX. But U.S. Bank has received multiple copies of the affidavit of its own employee who witnessed me make my mortgage payment and also witnessed the mortgage dept represent to me that payment had been successfully made. I've also been informed by various U.S. Bank agents that U.S. Bank phone calls are recorded and therefore there should be a voice file as well as a call record for that particular date. U.S. Bank has repeatedly misaddressed correspondence to both myself and my representative and acted with deceit by stating to the CFPB that it could not reach myself or my attorney. U.S. Bank 's response to my first CFPB complaint is full of false statements. I am entitled to receive the same rate and terms for my mortgage that was in the XXXX offer sent to me in XX/XX/2021 and which I accepted. That XXXX  should have never been revoked and I should not be disadvantaged because of U.S. Bank 's error in failing to process the payment when they expressly represented to me that this payment was made/processed successfully.
Product: Credit reporting, credit repair services, or other personal consumer reports

It occurs that my credit report has been compromised. Again, I was going through my files & noticed these accounts that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to block any information or accounts which were found to be opened due to identity theft. The disputed accounts do not belong to my file. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these accounts. XXXX XXXX XXXX Balance : {$670.00} ; XXXX XXXX Balance : {$400.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$720.00} If you feel there is a possibility these accounts belong to me I will require all documentation which bear my signature ( another research accounts I found that requires you to verify with 100 % accuracy that these accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled immediately.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of a collection account with XXXX XXXX XXXX opened on XX/XX/XXXX, and a collection account with True Accord opened on XX/XX/XXXX. 

I have attached a copy of the consumer XXXX  credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize these accounts as reported. These items appearing on my consumer credit report were not opened, made, or initiated by me and are all the result of identity theft and fraud. Additionally, I have attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

back at the end of XX/XX/XXXX I had signed up on their website for auto pay. in XX/XX/XXXX I  received notice from them that I was 30 days past due. I had called them and explained to them I had signed up for auto pay and showed them where on their website I signed up for that. The manager explained that their website was incorrect and I had to go into a different area on the website to set up auto pay. The manager went on to the website and saw where I had signed up for auto pay so he waived the late fees and promised to not report me 30days late since it was not explained that I had to sign up for auto pay in two different areas on their website.

Just recently I pulled my credit and saw the late payment on my credit report. I went ahead and disputed it with transunion and they said that matrix refused that correct the report. 

I then sent a letter to matrix asking them to fix the credit report and reverse the late payment that was reported by them for XX/XX/XXXX. They never responded to me nor have tried to reach out to me. 

This is not my fault and their website is completely to blame. How does a consumer know that they have to sign up in two different areas if not dosent say that. 

Ive been a loyal customer to them since XX/XX/XXXX and pay ontime everytime in addition to their monthly billing fees they charge me just to have their card.
Product: Credit reporting or other personal consumer reports

Account Name : XXXX XXXX XXXX Account Number : XXXX XX/XX/XXXX Reason : I don't recognize this account XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  Account Number : XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations remove it not mine : XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX This request can not be processed online. Experian maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd complaint that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me and I have doubts in their accuracy and the reported payment history on some accounts is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report the following inquires does not belong to me or wasn't authorized by me. 
XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX