23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We required a repayment plan last year due to Irma Hurricane. My last payment for this plan was in XX/XX/2018, I called on XXXX and ask if everything was good with my Loan but the service agent told me " I do not what happened but we have to put your account on a new repayment plan for 3 months, XXXX, XXXX and XX/XX/2018 ''. Then, in XXXX, my account will be current. I made my payments and called again on XXXX to verify it, but one more time another agent told me, " I see something unusual on your account, let me double check '', I agree with her ... On XX/XX/XXXX, I spoke with tow different employees over there, both of them told me " yes off course, WE ( Loan Care ) made a mistake, allow us 3 or 4 days to resolve it. Loan Care should move my payments because my money was sent I do not know where ... On XX/XX/XXXX one agent told me " Your account will be current, next payment will be on XXXX '' I ask her for a confirmation letter with this information and she said " yes, I am going to send it to you on XX/XX/XXXX ''. Since Monday XX/XX/XXXX, I have been calling her but she never answered my calls. Now, after 2 hours on the line with another agent, she informed that I have money available as Escrow for {$1400.00} but first, I have to pay {$550.00} to put my account current. I need that Loan Care move my money from escrow to cover the {$550.00} and put my account current. Loan Care never informed my about any situations, they have a different answer each time that I call them, nobody knows what happened and the solution is the same : you are late with payments. I did not ask send my money to escrow so why I have to resolve the situation paying more money without guarantees that my account will be ok. My credit is being affected for this situation. At this time I lost all the confidence I had in that company and I do not want to make another payment without make sure that my over payments will be returned to me.
Product: Mortgage

My mortgage was sold to Amerihome from XXXX. I was never notified of the transfer. Amerihome made harrassing calls to me asking for banking information, ss # and payment although I was not sent any documentation supporting their calls. Every call I verified the mailing address but they never sent me anything. I had made 2 more payment to the originator, which they did not send on. They told me they would rip up checks, but I should have received notification. Amerihome has put a negative mark on my credit, although they are in direct conflict with the law of notifying me 15 days prior. I did not receive any written documentation for 90 days.. After 10 months ( XX/XX/2022, they sent me a letter that was dated XX/XX/2022 ) stating that they had been sending me the letter to the wrong address. Again, the correct address was given to them as well as them having the correct address for the mortgaged property. 
This has had a tremendous negative affect on my credit. I have contacted them numerous times and they have refused to admit fault and remedy the damage they are causing me
Product: Debt collection

XX/XX/2033 XXXX charged for services not received, phone number I never had, line I never requested, and phone that was returned. Had to file fraud charges with XXXX and get new account number. They sent me to XXXX credit agencies that refused the claim because it was fraudulent. Then they sent me credence resource management. This company is not even in the country or even continent. Can not contact themunable to accept your call at this time. Same story with email unable to send.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these account and inquiries deleted or updated. These are the items I demanding to be deleted immediately Listed below are the Accounts that are being challenged XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

In late XXXX, I matched with a woman named XXXX XXXX on the dating platform called XXXX. We continued our chat through XXXX. She introduced me to a concept called liquidity mining pool in which one pledges tether ( XXXX ) in order for that cryptocurrency to be used for the pledgor to receive ethereum coins as rewards. I entered into this process by first wiring and sending funds up to {$75000.00} to Coinbase in order to be a part of this mining pool. I purchased tether on Coinbase and sent the tether to my Coinbase wallet. From my Coinbase wallet, I accessed through the Coinbase web browser this website : XXXX. From there, my wallet became attached to a node from the XXXX website. On the XXXX of this week, I tried to withdraw my funds back into my Coinbase wallet. The website is forbidding me from doing so unless I pay {$42000.00} in taxes to the mining pool. If I dont pay by XX/XX/XXXX, my funds will forever be frozen. I need immediate assistance. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to dispute a late payment that appears on my credit report. The late payment in question is related to my account with XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX and XXXX XXXXXXXX Upon reviewing my credit report, I noticed that there are inaccuracies regarding this late payment. I would like to request that you investigate the matter and remove the late payment from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate information on my credit report. I am exercising that right with this letter. 

I request that you remove the late payment from my credit report within 30 days, as required by law. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

Receive weekly calls from, as per caller ID : XXXX. A recorded identical message is heard each time, " this is your final notice, etc ''. call XXXX ( Atlantic Recovery Solutions ). Failure to do so shall result in legal action ... ... .... The activity has been going on for several months. My wife, son and I, all with the same last name have been contacted.
Product: Debt collection

I didnt receive any notice of a debt owed, never received any mail or even a chance to verify the debt.I only noticed it because I checked my XXXX credit report. I dont even know who or where to contact to verify the debt
Product: Credit reporting, credit repair services, or other personal consumer reports

I have three hard Inquiries relating to JPMCB Card. Two of those inquiries were placed in the same month XX/XX/2021, and XX/XX/XXXX, XXXX do not request any credit from JPMCB at these times.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to a dealership to apply for a car they advised they would only run my credit for XXXX XXXX but they ran my credit through numerous companies. these are the inquries 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
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DELET THE BELOW ACCOUNTS FRAUD BY LAW COMEDITY BANK 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 I never had an account with this company Reasons for the Deletion 15 USC 6802 ( I was not informed in writing that they were going to share my personal information without my permission ) 15 USC 1681B ( The Credit Agencies, XXXX, XXXX, XXXX ) did not receive any documentation from me in writing or any other legal instrument nor did I provide a borrower 's authorization & certification to release any information. I ask them to produce the letter they could not. 

18 USC 1028 A ( It is Fraud to pass my information with our my consent and open up accounts in my name is illegal ) I received a copy of my credit report and am disputing some items that need to be deleted. I have highlighted and numbered these disputed items on the attached copy. 
The reasons why these items should be deleted are indicated below. 
According to the provisions of the Fair Credit Reporting Act 611 ( a ) 15 USC 1681 ( a ), these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. Please notify me that the above items had been deleted pursuant to 611 ( a ) ( 6 ) 15 USC 1681J ( a ) ( 6 ). I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 15 USA 168 ( j ), there should be no charge for this report. 

I am asking that this information be removed from my credit profile. 

If you have any questions or need additional information, please contact me at address noted below. 

Thank you. 
Sincerely, XXXX 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 process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Transfer Funds Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I see appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

spoke with the president of the company and she insisted that this was my name ... address and everything that belonged to me ... .I informed the lady that I was or did not apply for no credit or whatever this was she was trying to say ... .she was very argumentive and did not want to hear anything that I wanted or needed to say ... ... All she kept saying was she understand but it's nothing that she could do because all the information that I had given to her was me ... ..I told her Yes it's me that I am giving because it's my name you are asking who am I ... ... ..but I did not apply for nothing ... ... ..she is very very rude ... .All I am needing them to do is take these hard inquiries off of my credit because I did not ... Imean I did not apply for Nothing ... ... I am not understanding how someone who is saying that they did not apply for this and it can count against them ... ..
Product: Credit card or prepaid card

A debit appeared on my account in the amount of {$100.00} by " XXXX XXXX '' on XX/XX/2021 that I immediately disputed on XX/XX/2021 via a phone call with Bank of America. I then immediately followed up with a letter written to Bank of America Dispute Resolution Service on XXXX/XXXX/201 outlining my phone conversation as well as indicating I am disputing the charge on my California EDD benefits debit card. 

Bank of America issued a letter stating they reviewed my base and concluded the decision was correct. 

Bank of America did not outline how this decision was made and did not provide any back up documents or corroborating evidence the transaction was mine. 

Please be aware. I reside in California and did not make, authorize, approve or request someone else to complete a transaction at a vendor in XXXX, Arizona.
Product: Credit reporting or other personal consumer reports

Upon attempting to obtain housing I was denied the ability to move into a new home due to this account reporting on my consumers report. I have tried to resolve this matter with each credit bureau and was disregarded. I have never knowledge of this account nor did give this company permission or my written consent to furnish anything on my credit report. Without my written consent and my permission and my knowledge would be considered identity theft. 
In accordance with the Fair Credit Reporting Act 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 ) section2 : It also states a consumer reporting agency can not furnish a account without my written instructions Thave NOT given my consent nor have I given or received written instructions to furnish this account. I am being taken advantage of From XXXX XXXX and Equifax and they are violating my consumer rights.
Product: Credit card or prepaid card

I had an apple credit card opened that had a big interest rate and I paid off the debt and canceled it as I thought it was too much. I then found out about the SCRA after I canceled it and was wanting to get reimbursed for all of the interest I have paid on this card during my time in the military.
Product: Credit reporting, credit repair services, or other personal consumer reports

611. Procedure in case of disputed accuracy 15 U.S.C. 1681i In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the 611 - 15 U.S.C. 1681i 59 disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. ( B ) Extension of period to reinvestigate. Except as provided in subparagraph ( c ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation. ( C ) Limitations on extension of period to reinvestigate. Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified. ( 2 ) Prompt Notice of Dispute to Furnisher of Information ( A ) In general. Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

According to the law stated above, the account with XXXX XXXX XXXXXXXX should be deleted due to the account not being mine. I have requested on multiple occasions, most recently of XX/XX/ that a copy of the original contract please be submitted to me within the guidelines listed above. XXXX has failed to do this.
Product: Checking or savings account

as i said in my last XXXX fraud complaint on CFPB website... i am claiming XXXX fraud/Unauthorized checking acct transaction of {$1000.00} which occurred at a local citibank atm XXXX XXXX or XXXX location?? ) which occurred on XX/XX/2024 ( i was given a new Case Appeal ID to dispute i did not use my citibank debit card to withdraw {$1000.00} dollars out of my checking account ; i rarely draw more than {$500.00} dollars at a citi atm ... the new Case Appeal ID i got today XX/XX/2024 is : XXXX... ) ... still no citibank atm surveillance tapes request unanswered as of yet... 

Please give me some resolution to this XXXX fraud! 

XXXX
Product: Checking or savings account

On XX/XX/XXXX I used the MoneyLion app to transfer {$270.00} from my MoneyLion Investment account to my MoneyLion Checking account. At all other banks that I use, this transfer would be instant. However after waiting 8 business days, I called MoneyLion on XX/XX/XXXX and they said it was a " known issue '' and that it would be soon rectified. 

Today is XX/XX/2012 business days since the transfer was initiated, and the {$270.00} is still not in my checking account or my investment account.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX Balance : {$20000.00} XXXX  XXXX XXXX Balance : {$21000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been writing to XXXX XXXX and the credit reporting agencies for months disputing the incorrect reporting that XXXX has put on my credit reports. XXXX is reporting late payments for months after my account with them was paid in full and closed. I received letters from XXXX stating that they are not willing to change their reporting on my credit report. This letter was sent certified mail with tracking # XXXX. I tracked the letter sent to XXXX to be sure that they received it. I have written to XXXX XXXX dispute dept, XXXX XXXX XXXX ( CEO ), XXXX XXXX ( President & COO ), and XXXX XXXX ( CFO ). XXXX absolutely refused to correct their reporting of this account. I have all the letters that i sent to them and all of the letters that they sent back stating that they would not correct their listing on my credit report. Under the Fair Credit Act this is illegal reporting and bad business practice. 

I have disputed this with XXXX, XXXX, and XXXX. I only get letters from all the agencies stating that the listing has been investigated and it is an accurate reporting. I know that this has not been investigated because it is clearly reporting inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I claimed XXXX  XXXX bankruptcy in XX/XX/XXXX. I excluded my mortgage and continued to pay on my mortgage which XXXX current with through todays date XX/XX/XXXX. The mortgage company is failing to report my current payments to the credit bureaus and have not reported any payments since XX/XX/XXXX. They claim that my bankruptcy attorney never filed a reinstatement agreement and therefore its the lawyers fault. Regardless I have been making timely payments for the last two years and its not fair that my family is being harmed when current payments are being made. They should be reported to the credit bureaus so my credit reflects my mortgage. They send me mortgage statements every month and I pay on time. Theres no reason its going unreported. My fico score can not go up because my mortgage is not reflected even though Im current on all payments. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

Im writing because I recently filed a CFPB complaints about my late payments on my student loans and both Transunion and XXXX came back and said the information was verified but XXXX  deleted all my student because the information was not verified if this is the same account why are the bureau reporting different things I was asking that the late payments be deleted but now Im asking that the whole account be deleted for reporting inaccurate information
Product: Debt collection

Checking my credit report I found a derogatory mark saying that it was a collection debt with another address on there, it 's not my address nor have I ever lived there, the dates listed are from XXXX - XXXX XXXX I do not owe a Medical debt
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter off on XX/XX/XXXX. Here is my tracking # XXXX. To remove personal information that I don't want on my credit report. According to the Fair Credit Reporting Act 15 USC 1681, I have the right to privacy. Also, according to 15 USC 6802. A financial institution is not supposed to share my information to third-party people. These are clear violations of my federally protected consumer rights.

I have attached : A copy of my license with my current address A copy of the utility bill A copy of the bank statement a copy of ssn A copy of the letter that was sent off on XX/XX/XXXX A copy of an FTC report with a few of the addresses A copy of the previous CFPB complaint
Product: Credit reporting or other personal consumer reports

I discovered unauthorized inquiries on my credit report this morning and have no idea why they're there. I routinely check my report, but this time I noticed unexpected discrepancies. Even after refreshing my browser, hoping it was a glitch, the inquiries remained. Im extremely frustrated and demand a thorough review of the documents Ive provided to ensure this issue is resolved immediately and permanently.