23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am a XXXX Veteran XXXX XXXXXXXX XXXX XXXX XXXX. I submitted paperwork to my county tax appraiser to have my property taxes reduced from $ XXXX  year to {$330.00} a year. I was provided a letter from the county stating my new reduced property tax amount of {XXXXXXXX} On XXXX XXXX I submitted this letter to my lender and the escrow department, requesting a review of my reduced property tax. On XXXX XXXX my lender [ Mr. Cooper ] sent me a reply saying they would take 7-10 days to research my request and if there was an issue they would contact me. I had made two follow up calls one around XXXX XXXX and the other on XXXX XXXX. On both occasions I had asked for a status on my property taxes and why havent they changed the amount to what the county is now charging me. On both occasions I was put on hold for lengthy periods of time with no resolution and only to be told they have 7-10 days respond. They have had over 30 days to respond. The latest correspondence we received was on XXXX XXXX that was dated XXXX XX/XX/2022 telling me they have called the county and confirmed my taxes have not changed and therefore they will not reduce my mortgage amount. I have a letter from the county tax appraiser that contradicts what there telling me. There seems to be a strong reluctance from this company that they dont want to process my request and lower my mortgage payment. I have the documents to prove my case. I find it hard to believe the county in which I live told them my taxes didnt change. 

Here is the companys information : Mr. Cooper XXXX XXXX XXXX XXXX Texas, XXXX Phone:XXXX  XXXX
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 all these violations.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, there was a hard inquiry conducted by XXXX XXXX which I do not recognize or authorize. 

I contacted both Equifax and XXXX XXXX regarding this matter multiple times. Equifax told me I would have to contact XXXX XXXX. I sent a letter to XXXX XXXX but the company only sent me a very generic response that did not address my concerns or provide any clarity on the matter. As this inquiry was not initiated or authorized by me, I am requesting that Equifax investigate this matter promptly and remove the unauthorized inquiry from my credit report. Please find attached the letter from XXXX XXXX and my Identity theft report attached.
Product: Debt collection

Franklin Credit Management is reporting a foreclosed XXXX mortgage to my credit report with inaccurate dates. They are intentionally leaving this as an open debt to protect me from me from being able to purchase another home. I am unaware of who this company is and lost the property they are referring to in XXXX when I went through a divorce. This is now an unsecured debt. They are erroneously reporting the date of last activity in XXXX. This company has not received any payments from me since XXXX. The account should be in " collections '' instead of an activity account.
Product: Mortgage

-In XXXX of XXXX I requested a forebearence from my loan servicer First Centennial Mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX IL My loan is backed by XXXX XXXX  XXXX My business had been shut by city ordinance due to covid. 
XXXX of XXXX I was prepared to begin repayment. The lender indicated I could get a modification but firsts had to go through a trial period for three months.

-I received no paperwork XXXX XXXX XXXX the trial period begins with the first of what I was told would be 3 payments of {$1400.00}. 
XXXX XXXX I made 3 calls, XX/XX/XXXX I made one call, and XX/XX/XXXX I made one call to the loss mitigation department of First Centennial all for request documents explaining the terms of modification. and was told paperwork was " on it's way '' -These payments were made from XX/XX/XXXX and are currently still being made with the most recent XX/XX/XXXX. 
- I never received paper work confirming or explaining the terms of modification which began on XX/XX/XXXX -Have made a total of 17 phone calls to this company since XXXX of XXXX requesting documents for loan modification. 
-I called and requested an escalation of my account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
XXXXI have receved no call back and no answers where my modification paper work is form the trial that began on XX/XX/XXXX -I have received a letter from First Centennial mortgage date XX/XX/XXXX Indicating I am now in default. 
XXXX XXXX XXXX I made another phone call to the loss mitigation department to inquire about an update.

-First Centennial is requiring I pay a lump sum of {$21000.00} although my forebearance due to covid began before XX/XX/XXXX. 
-My Forebearance due to covid began XX/XX/XXXX -This lender has given me until XX/XX/XXXX to pay this lump sum and cure this default. 
-This lender has indicated in a letter " The nature of your default is the failure to make the monthly payment from XX/XX/XXXX to XX/XX/XXXX. '' -My Bank Account indicates money has been paid to this company. Over {$14000.00} has been been paid. 
-I have also indicated to the lender the modifyed payment amount is in excess of my original loan payments and received no answer.
Product: Payday loan, title loan, or personal loan

I was denied a personal loan from Citi bank though I have been a customer since 2018 have a credit card and bank account with them. I requested a loan for XXXX to pay off my credit card debt, for a total of 24 months at a payment of XXXX a month, which would lower the amount of money I pay each month to service this debt. I was denied the loan even though I have a pervious history with this bank and they can clearly see that I have enough in deposits per month to pay the loan requested, they also know who much money I spend on servicing my cc debts as I use that bank account to make payment on the other cards. I also would like to make mention that the bank used my personal XXXX  account in assessing my credit risk ; I know this because the bank was revealed as one of my searchers with someone from the list of searchers working in risk management. I do not understand how XXXX  is a credible source to evaluate my credit worthiness, or how looking at my profile helps them without unduly biasing the person who is doing the risk assessment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am demanding that XXXX XXXX XXXX acct # XXXX be immediately deleted from my consumer report. I have documentation ( attached ) that XXXX XXXX XXXX requested a removal of this account from my consumer report with the consumer reporting agencies they report to. This request was made on XX/XX/2021 and it is a month later and this account is still showing up on my report. This account updates the first day of the month so there should have been plenty of time to handle the request and delete this account from my consumer report. This is totally unacceptable and will not be tolerated. I am requesting immediate deletion of this account from my report upon receiving this complaint and documentation.
Product: Debt collection

I am writing to express my extreme dissatisfaction and frustration regarding the lack of response and cooperation from the creditors in validating the debt associated with the accounts listed below. This matter is of utmost urgency, and your blatant disregard for providing the necessary documentation is unacceptable. Despite my repeated attempts to seek validation of this debt, your organization has failed to provide any satisfactory response. What is particularly distressing is that, upon reviewing my credit report, I discovered that this account is erroneously marked as a charged-off account with an outstanding balance. This misinformation is damaging to my financial standing and creditworthiness. BANK OF AMERICA , N.A . XXXX. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( XXXX ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.
Product: Checking or savings account

Navy fedral has allow payment to come thru my account when the money was not there.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence XXXX. XXXX XXXX ( mo ) XXXX XXXX presume that no proof of the alleged debt. nor therefore any such debt in fact, therefore exist. ( please remove these account accounts before I seek litigation for defamation of character. ) XXXX formerly XXXX balance {$1200.00}, XXXX XXXX XXXX XXXXXXXX Balance {$4700.00}, XXXX XXXXXXXX XXXX XXXXXXXX XXXX {$130.00}, XXXXXXXX XXXX XXXXXXXX Balance {$880.00}, XXXX XXXX XXXXXXXX XXXX {$800.00}, XXXX XXXX {$1300.00}, XXXX XXXX XXXXXXXX balance {$62.00}, XXXX XXXX XXXX {$430.00}, XXXX XXXX balance {$2200.00}, XXXX XXXX XXXX balance {$2300.00}, XXXX XXXX XXXX balance {$690.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Credentials Was Compromised & Used To Obtain Goods & Services I Requested Several Fraud Alerts & Security Freezes On My Report That Some How Was Taking Off or not added properly I Contacted The Creditors & they all say call credit Bureaus & Now Im Taking These Steps Of Filing Reports With Copies Of all documents I receive before getting attorneys involved I submitted not once but twice letters to the XXXX, equifax, XXXX address i have on file from XXXX & no reply This time i will be sending letters with tracking information to the same address Looking foward to your response
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX Account # XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

Complaint Against XXXX XXXX for Attempting to Collect on a Fraudulent Account and Violating the FCRA/FDCPA Details of the Issue : I am filing this complaint against XXXXXXXX XXXX regarding their collection efforts and reporting of a fraudulent debt on my credit file. The account in question originated with Nordstrom and was sold to XXXX XXXX despite being flagged as fraudulent. 

I am a victim of identity theft and have provided substantial evidence to Nordstrom, including : 1. A police report documenting the identity theft. 
2. An IC3 report filed with the FBI.

3. Copies of my identification verifying my identity. 

Despite this, Nordstrom sold the fraudulent account to XXXX XXXX, which is now attempting to collect the debt. This violates the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) for the following reasons : 1. XXXX XXXX is reporting a fraudulent debt on my credit file without verifying its accuracy, violating 15 U.S.C. 1681s-2.

2. They are attempting to collect a debt that is not mine, despite being informed of the fraud. 
XXXX. This account is causing ongoing damage to my credit report and financial well-being, as it falsely implies that I owe a debt I did not incur. 

Steps Taken to Resolve the Issue : I have contacted Nordstrom and provided them with the necessary documentation of fraud. I have also disputed this account with the credit bureaus, requesting its removal. Despite these efforts, XXXX XXXX has continued to report and attempt to collect on this fraudulent debt. 

Relief Requested : I request that the CFPB investigate this matter and take the following actions : 1. Require XXXX XXXX to cease all collection activities on the fraudulent account. 
2. Ensure that the fraudulent account is removed from my credit reports immediately. 
3. Hold XXXX XXXX accountable for any violations of the FCRA and FDCPA. 
4. Provide me with written confirmation that this account will no longer be pursued or reported. 

This situation has caused me unnecessary stress, financial harm, and damage to my credit score. I appreciate the CFPBs assistance in resolving this issue.

Attachments : Police Report IC3 Report Acct number XXXX
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( XXXX ) has recently filed a lawsuit against XXXX alleging systematic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian, To whom it may concern, This account is reporting payment history each month when it should not since the account has been charged off. This is falsely manipulating the statute of limitations which is a FCRA violation. Because of this neglect in assuring everything in my report is accurate, consistent and up to date please DELETE this item immediately. 
Account : XXXX XXXX ( XXXX ) Please delete this account immediately and please mail the updated changes when deletions are made.
Product: Debt collection

I was illegally moved out of my lease after putting a notice to vacate and was precise that I would finish lease but wanted to put in advance of 60 day window to be able to keep deposit. They moved me out of apartment while I was still paying rent ( on time ) was never notified of situation. The sent remaining money that would have been on the lease straight to collections and didnt work or talk anything out. Lease ended this month this collections where sent in XXXX so lease was almost up. They sent me a bill saying XXXX on XX/XX/25 but sent to collections a bill of XXXX. The apartments are XXXX XXXX XXXX in XXXX XXXX and debt collection agency is XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX ; XXXX XXXX XXXX XXXX  XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX , FL XXXX ; XXXX XXXX XXXX Balance : {$300.00} ; XXXX XXXX Balance : {$4200.00} ; XXXX XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX Balance : {$4300.00} ; XXXX XXXX  XXXX XXXX Balance : {$1800.00} ; XXXX XXXX XXXX XXXX Balance : {$7900.00} ; XXXX XXXX Balance : {$3900.00} ; XXXX XXXX Balance : {$1200.00} ; XXXX XXXX Balance : {$470.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$20.00} ; XXXX  XXXX XXXX Balance : {$130.00} ; XXXX XXXX XXXX Balance : {$130.00} ; XXXX XXXX XXXX Balance : {$150.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$680.00} ; XXXX  XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3400.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX  ) XXXX Balance : {$680.00} ; XXXX XXXXXXXX XXXX ( XXXX XXXX XXXX XXXX ) XXXX Balance : {$3400.00} ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX  Inquired on XX/XX/XXXX XXXX
Product: Money transfer, virtual currency, or money service

In XX/XX/2023, I opened a new PayPal account under the XXXX XXXX for the express purposes of transferring USD to Kenyan Shillings while I was vacationing in XXXX. Almost immediately, PayPal suspended my ability to transfer funds. They then indicated that they would be holding my remaining funds ( {$50.00} USD ) for 180 days at which point they would provide instructions on how I could withdraw my funds. These instructions never came. Additionally, when I log into the above referenced PayPal account now, I see a message indicating the account has been permanently disabled and that I can not do any further business with PayPal on this account.

I do not have the ability to contact PayPals customer support team because there is no option to do so from within the account. Additionally, I do not have the option to add a bank account, debit or credit card to withdraw the remaining funds to. PayPal has essentially stolen my money and prevented me from contacting them to resolve, which is what led to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am missing the following payments regarding my VA mortgage loan as well attaching screenshot regarding Equifax once again has inaccurate information that my property has recently been in a natural disaster within the past week. I have again contacted FEMA and my homeowner 's insurance company in which they stated should not have been submitted because this is false information. They are now as well both involved since this continues showing up by the person behind the computer screen at your company intentionally adding this after each CFPB complaint that I file. 
The following months are missing on my credit report in which I have the signed and cash checks by your company : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX. 
I was told via tape conversations you may want to pull through your company that after forbearance. All payments would be submitted that are missing for the year XX/XX/XXXX. You now tell me that if you submit the payments you will mark them as late however I was not told they will be marked as late since XXXX XXXX misguided me at the beginning of this entire process. How am I to do as XXXX XXXX stated refinance my home when my personal bank XXXX XXXX needs to show that my credit report matches the payment history you submitted to me via email late last week there are missing payments 13 as of today with the credit bureaus. 
On one bureau report there are payments that were being reported during the forbearance. Yet on another Bureau report there are not. Regardless natural disaster is a false report an allegation that needs to be removed immediately off of Equifax and any other Bureau at the person behind the computer screen submitted the report. I also need missing payments reported and I'm not talkin late payments because I have been miss guided through this entire process while your representative XXXX XXXX almost 18 months ago. It was your company that was an admittance that XXXX XXXX misguided me and remove me from forbearance I'm making my last payment and removing forbearance from the loan.
Product: Debt collection

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois, XXXX Dear XXXX XXXX, This letter is being sent to you in response to a recent charge of {$12000.00} that was made on my credit report that I do not recognize. 
Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character.

If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Product: Debt collection

This delay is not only a violation of the FCRA but also an egregious oversight that has a direct and adverse impact on my creditworthiness. The inaccurate reporting of a late payment is damaging not only to my credit score but also to my ability to secure favorable terms on future credit. I was the victim and Im not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. Despite my efforts to rectify this situation and the clear guidelines set forth by the Fair Credit Reporting Act ( FCRA ), I find myself facing an unresponsive and inefficient process. The FCRA stipulates that a credit bureau must investigate and respond to disputes within 30 days. However, to my considerable irritation, the stipulated timeframe has elapsed without any response from your bureau. 
XXXX XXXX XXXX XXXXXXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I insist on immediate action to rectify this situation. I demand that your bureau promptly investigates and corrects the inaccurate reporting of the late payment on the account. The failure to adhere to the FCRA 's mandated response timeframe is unacceptable, and I expect your bureau to take corrective action without further delay.