23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 : XXXX  XXXX XXXX reported account closed XX/XX/2021 : XXXX  XXXX XXXX reported account closed - again - this is a duplicate
Product: Debt collection

I only have one complaint and that is Portfolio is not reporting the correct amount on my file that is owed which is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon, I contact lexisnexis in order to correct my address because in their report continues to place me in different past addresses except for my current address. I upload all the documents they ask. and they sent me a letter saying they need more documents and the documents I sent can be read. I resend all documents and more of the information they ask. and receive a second letter asking for me to go into a website that they provide but nothing can be done in the website. Im see that they just try to give me the run around until I get tired and give up, I just need the correct address on my report I dont need a soup of address except for my current address. that is simple only my current address should be in my report. Please if possible I like them to fix the issue and send you the proof that the situation is resolve. Thanks in advance
Product: Mortgage

I took out a variable rate, interest only loan with a first and second mortgage with little verification in XXXX of 2007 with Chase Bank. The first mortgage has an interest rate of 7.65 % and the second mortgage has an interest rate of 12.375 %. This house has been underwater from the beginning and I have made several attempts with Chase to refi my home to a fixed rate. They refuse to help. I can not refi this house and I can not sell it due to the loss in value. Right now, my only option is to walk away. I have never missed a payment, and in 8 years I have n't reduced the loan amount at all.
Product: Mortgage

I would like to file a FTC claim of Fraud against Mortgsge Co, and the unknown Note Holder ( s ). According to an Independent Forensic Loan Audit, my mortgage violated several FTC and other Laws, Acts, and Regulations. Mortgage payments were made to several different Mortgage Cos. and Mortgage Service Cos. However, A different, recently Assigned Trust/Company has been granted a " Summary Judgment for Foreclosure & Sheriff Sale '' .of my home. I had requested a " Validation by contracts '' of the alleged debt several times. One request was by fax. The request was to provide proof of the debt or stop All contacts and All actions related to debt. OR voluntarily agree to certain fines. But, their response was more printouts of payments schedules & the Actions of Foreclosure, instead. The mortgage Violations are evidence of Fraud on the part of the Mortgage Co. and follows to any Assigned Trust or company. According to the Audit, the mortgage Violated many FTC and other laws, which makes it a Fraudulent.Debt. and Fraudelulent Foreclosure. 
I am attaching the following documents to support this claim : 1. Copy of the independent Forensic Loan Audit 2. Copy of partial list of Mulltiple Calls from Mortgage Company with some related letters. 
3. Copy of fax ( dated XXXX/XXXX/2014 ) Requesting a Validation of the Mortgage and Note to identify true " Holder ( s ) of the Note ''. 
4. Copy of the Mortgage Company 's Responses dated XXXX/XXXX/2014 ) to request for " Holders of the Note '', OR to agree to fines if unable to stop all contact & actions related to the debt.. 
5. Copy of some of the continued contacts & actions related to the debt, after failure to Valiidation of the Debt., by mortgage company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Law 15 U.S.C. 1681-1681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft. The Dodd-Frank Act transferred to the Consumer Financial Protection Bureau most of the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains all its enforcement authority. 

AS OF XX/XX/XXXX ..... 
THESE ARE INQUIRIES BELOW! 
Here are the inquiries u XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issued by XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Bureau Inquiries XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Mortgage

This is not true, no payments were missed and in fact payments were made early. 

This comes XXXX XXXX from Nationstar Mortgage dated XXXX XXXX XXXX XXXX, CO XXXX XXXX '' Nationstar has reviewed the above referenced account and found the account was correctly denied for the Home Affordable Modification. The borrower missed a payment during the trial period. Nationstar contacted the borrower several times, and management spoke to the borrower explaining why it had been denied. Unfortunately, the account is ineligible for the Home Affordable Modification, per the guidelines set for by the US Treasury. " 44. After XXXX learned of the Foreclosure sale, he again called Nationstar. On XX/XX/XXXX, XXXX spoke with XXXX Nationstar. XXXX asked XXXX XXXX to have Nationstar rescind the Foreclosure Sale because Nationstar had ( a ) failed to XXXX any notice that it was proceeding with the Foreclosure Sale and ( b ) had made multiple misrepresentations XXXX regarding the status of his HAMP modification and of his Note to Nationstar. 

XXXX. XXXX and XXXX went through Nationstar 's records of the communications between XXXX and Nationstar. 

XXXX. XXXX stated that Nationstar 's records of its communications with XXXX comported with XXXX ' own records of these communications, which are reflected in the preceding paragraphs of this Complaint. XXXX also confirmed that Nationstar had not notified XXXX of the Foreclosure Sale or of that XXXX ' HAMP application had been denied. 

XXXX. Despite his concurrence with the facts as XXXX presented them, XXXX and Nationstar refused to rescind the Foreclosure Sale. More specifically : a. XXXX asked XXXX, " What Happened? " b. XXXX responded, " Something transpired. " c. In response to further questions from XXXX, XXXX would not reveal what transpired, refused to rescind the Foreclosure Sale, stated that he was going to terminate the telephone call, and then hung up. 

XXXX. XXXX XXXX XXXX, XXXX held a conference call with XXXX XXXX XXXX Nationstar and XXXX XXXX XXXX XXXX XXXX XXXX a HUD-certified loan counselor ). 

XXXX. During this XXXX XXXX conference call, XXXX again affirmed that : a. Nationstar 's records of its communications comported with XXXX own records of these communications, which are reflected in the preceding paragraphs of this Complaint ; b. Nationstar did not notify XXXX that his HAMP loan-modification application had been denied. 

XXXX Nationstar did not notify XXXX of the Foreclosure Sale date or that Nationstar was proceeding with the Foreclosure Sale. 

XXXX. XX/XX/XXXX XXXX spoke via telephone with XXXX XXXX XXXX Nationstar Mortgage 's legal compliance department in XXXX, TX. He asked why Nationstar proceeded with the Foreclosure Sale despite having informed XXXX that " everything is OK. '' a. XXXX XXXX responded that there had been a " miscommunication between [ Nationstar 's ] Loss Mitigation and HAMP department XXXX s XXXX. " b. Thereafter, XXXX asked XXXX " Why am I being held accountable for miscommunication within Nationstar? " c. XXXX XXXX responded, " There is no explanation. ''
Product: Debt collection

Each charge off and collection account was paid balances are {$0.00}. In addition the collection agencies sent payment confirmation letters to the bureaus requesting the removal of the collection accounts. It has been over 45 days and the accounts have not been removed from my credit profile nor has the balances been updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, and Capital One have refused to remove these credit inquiries from my reports. I did not apply for credit with XXXX as reported on my credit reports. The requests are fraudulent and impacting my credit, making finding housing as aXXXX % XXXX veteran very difficult. 

Hard Inquiry XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX ( XXXX ) XXXX My Credit security was breached. On XX/XX/XXXX XXXX  reported a data breach impacting 145.5 million people. Get up-to-date info on XXXX XXXX Incident site. I was notified by XXXX XXXX : " Based on findings that go back as far as XXXX, weve found your info in an additional 1 breach. '' You've been in 2 breaches We checked our database of over 13 billion breached accounts and your email address, XXXX, showed up in 2 data  breaches. That means some online accounts and personal info may be compromised. Data breach details View the details for each breach here, and then follow the steps below to help protect your accounts and identity. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( also known as XXXX XXXX, XXXX XXXX, originally incorporated in the state of XXXX, is no longer in business. In XX/XX/XXXX, a massive trove of data from XXXX XXXX XXXX was found exposed online. The data was found to contain almost 1.4 billion records including email and IP addresses, names and physical addresses, all of  which was used as part of an enormous spam operation. Once, de-duplicated, there were 393 million unique email addresses within the exposed data. Not Disclosed The name of this breach hasn't been shared publicly yet. This usually means it's part of an ongoing investigation, or the site could be considered controversial ( and it's hidden to respect your privacy ). Either way, your info is still exposed and you should take steps to protect yourself.
Product: Credit card or prepaid card

I opened a Lowe 's credit card when making renovations on my kitchen. Although I quickly paid off a large ( $ XXXX ) balance and the parent bank ( Synchrony ) showed my payment as having cleared on XX/XX/2023, the bank is still reporting the balance as outstanding as of XX/XX/2023. The bank representative said this is because this is a new account and the bank will take up to 20 days for " processing. '' As a result, my credit score has fallen from XXXX to XXXX even though the lender has now had my funds for XXXX days. This is absurd.
Product: Credit card or prepaid card

I have a PayPal account which I have used without problem for several years.

I recently received an email saying I could like my PayPal credit account with my normal PayPal account. I never authorized PayPal to create a credit account, nor do I want a credit account.

I called PayPal to cancel the account ( they never gave me a number or information about the account ). I hung up after they advertised my wait time would be 1 hour 5 min.

I emailed them through their website. Over the course of 4 emails and replies, at first they acted like they did not know about it. I told them that was unacceptable, they were the ones telling me they created an account and wanted to link my normal account to their credit account. By the third email they admitted they had created an account in my name with a credit limit of {$13000.00}. They offered to close it. I emailed back to close it. They responded it was closed. So the " problem credit account '' is now presumably closed if I am to believe them. 

My concern is this is like XXXX XXXX. PayPal is creating accounts for their customers without their knowledge. They need to be stopped. This is wrong.
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 was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E.
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 XXXX XXXX XXXX. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries. 


XXXX XXXX XXXXXXXX XXXX XXXX XXXX. States I have the right to privacy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : 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 XXXX years. 

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

Greetings : I recently, as of XX/XX/XXXX, attempted to apply for a credit card to XXXX XXXX Store via Synchrony Bank and received a negative reply. I previously had problems with Synchrony Bank via PayPal Credit just after the election in XX/XX/XXXX when it was alleged that I was committing fraudulent charges via that credit account I submit that an inaccurate statement had been alleged at that time and continues to impact me in an negative way even via my credit information through XXXX which has incorrect credit information listed about me detailing little to no credit history at all which does not match up with the other two credit bureaus.
Product: Checking or savings account

I received an email by chime notifying me that an account was opened in my name. I did not open this account. I called and their company and their website along with their automated system appeared to be very shady. I did not want to disclose any further information to this company due to the lack of security they already show.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or unverifiable information accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic 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 Experian 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, Experian 's inaction violates federal law and my rights as a consumer.
Product: Mortgage

My complaint, which is attached as a document, shows that although state law provides homeowners with the right to reinstatement and the right of redemption, I was denied this right. Also. The confiscation of the refunded insurance to offset hardships by NewRec Shellpoint mortgage without applying the funds to cure the mortgage debt when the principal was less than {$21000.00} as evidenced by : ( XXXX ). Denying me the process catching up of catching up on payments by accepting a one-time payment of the full principal amount past due, plus any penalties and fees, to cure, reinstating the loan for resuming regular payments without employing the equity doctrine of unclean hands, resulting to working prejudice against me. 

( XXXX ). I was denied the Redemption, the process of paying off the full amount of the loan, including interest and fees. Court papers will show I was twice denied the sale right of redemption. 

Even if a particular state does not provide these rights by law, these and other rights may be contained within the mortgage or deed of trust documents. A homeowner facing foreclosure should also remember that they can initiate negotiation or mediation with the lender, the loan holder, or the servicer and may ask to redeem or reinstate their loan ( or pursue another alternative to foreclosure ) regardless of whether they have that right under the law or their contract. 

( XXXX ). NewRec Shellpoint Servicing and its shell companies grossly ignored the Federal Mortgage Servicing Laws Protecting Homeowners.

The Dodd-Frank Wall Street Reform and Consumer Protection Act of XXXX  amended the Real Estate Settlement Procedures Act of XXXX  to protect the rights of homeowners with mortgages further. Implementing the new laws, and even your good- the Consumer Financial Protection Bureau developed mortgage servicing rules in XXXX and XXXX. These rules not only govern several parts of the relationship between mortgage servicers and homeowners but also place a cursor on the information provided to homeowners about their mortgages. The time periods in which mortgage servicers must credit payments and respond to information requests were ignored and never respected, resulting in a booking mess, as you will see in evidence and the record. Title 231, Chapter 2320 231 Pa. Code.
Product: Bank account or service

On XXXX XXXX 2014 - I purchased a Sofa set online at XXXX XXXX XXXX XXXX .... I used my line of credit with Synchrony Bank to pay for the order. 

I received an email from XXXX that same day. The email read : '' The manufacturer has notified us that the item XXXX s ) in your order will not be available as soon as expected. They do estimate the product will ship out from their warehouse on or around XXXX. Please note that this is an approximate date of when the items will leave the warehouse. Your order will continue to process unless you notify us of your request to cancel before your order actually ships from the warehouse. " On XXXX XXXX, which was XXXX day 's later, I wrote an email to XXXX customer service department, advising that I would like to cancel my order with them ... Even though I was in the allotted time frame to still cancel my order, XXXX did not honor my request, and they still shipped the sofa set out to me anyway. I did not accept the shipment - and they took it upon themselves to bill my Synchrony Bank Account for the shipping charges. ( Which were {$1200.00} XXXX I tried disputing the charges with Synchrony Bank - and they ended up favoring XXXX due to XXXX fine print - which contradicted what they advised me in their email communications ... 

I have kept all the emails that were sent back and forth between XXXX and myself, as well as the documentation from Synchrony refusing the dispute I filed. 

I am just appalled that XXXX company 's are getting away with this - and I do n't know what to do ... Synchrony has already put a ding on my credit report because of my refusal to pay for something that I cancelled.
Product: Debt collection

I contacted XXXX  and and the company claiming I owed them but the bill was covered and paid in XXXX of 2017 and should have NEVER been placed in collections. I even submitted copies of th XXXX  showing XXXX already paid it
Product: Credit reporting or other personal consumer reports

Thank you for bringing this matter to my attention. I am writing in response to your recent communication regarding a request you received that included my information, which, as you noted, did not appear to have been sent by me or an authorized third party. 
I can confirm that I did not authorize any such request, nor did I instruct any third party to submit a request on my behalf. I, myself who submitted the request in your credit Bureau.
Product: Checking or savings account

I had a checking account from Wells Fargo for many years. I noticed today that the account was closed without my authorization. This account linked to two of my bi-monthly payroll direct deposits. I was supposed to receive one of my payroll checks today. First, I called the customer service, I was told that the joint member of this account requested to close the account. It was a lie. Then, I was transferred to another person. I was told my account has no activities even though I use it to pay my monthly mortgage and so on. Then, I asked if she was able to help me re-open it as it is their mistakes. She told me once the account is closed, it can not be open again. Since this account was linked to two of my payroll checks. I have to now expect payrolls to wait until Wells Fargo returns the money to them and physically write a check amid COVID-19. My mortgage payment could be also delayed and I still physically checks of this account that can no longer be used. because of Wells Fargo 's unethical business decision.
Product: Mortgage

We were pre-approved by Rocket mortgage for a mortgage to purchase a condo. 
Rocket received the MLS and all the information, including standard contracts by realtor about 45 days prior to closing : XX/XX/XXXX Property address is known to Rocket and the MLS listing information clearly states it is deed restricted through XXXX InDEED XX/XX/XXXX Appraisal states clearly there is a deed restriction and that this unit is part of the XXXX InDEED program XX/XX/XXXX Title commitment was sent to Rocket - this also states there is a deed restriction. 

We were then notified Tuesday last week, XX/XX/XXXX, that XXXX would not allow a mortgage on a deed restricted property. This notification was by phone from XXXX XXXX with XXXX. 

Furthermore, we noticed that the XXXX points loan was changed over the course of the last weeks to a points loan with a much higher cost, without any form of notification. 

One week before closing, we were notified, without forewarning that the loan was declined by XXXX underwriting. We were therefore going to loose {$75000.00} if we could not provide funding to proceed with the purchase of the property. One week notice. 

The financing options were more limited and we were at the mercy of a last minute very high interest loan, which we were able to arrange. 

Furthermore, we noticed that the XXXX points loan was changed over the course of the last weeks to a points loan with a much higher cost, without any form of notification.