23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We have been awaiting short sale approval since  XXXX   XXXX  2017. the negotiator keeps promising the approval will be ready " in a couple of days '' but it never comes. Today I was told that the approval was not issued because they needed updated document. The documents which they requested  XXXX ,  XXXX   XXXX , an d Dodd fr ank were all updated and provided as of  XXXX   XXXX . Those documents have a 90 day self life and are not expired. This caused an unnecessary delay when the buyers are going to walk if the approval is not received by  XXXX   XXXX .
Product: Credit card

Legal Basis for Dispute : Right to Privacy and Confidentiality ( 15 U.S.C. 1681 Section 602 ( a ) ) : Under this section, I am entitled to privacy and confidentiality regarding my personal financial information. The actions of XXXX XXXX XXXX XXXX in reporting or handling my account may have violated these rights.

Unauthorized Disclosure ( 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) ) : This provision requires that a consumer reporting agency can not furnish a consumer report without my written instructions. If XXXX XXXX XXXX XXXX provided information about my account without my explicit consent, this would constitute a violation of my rights under the FCRA. 

Reporting of Obsolete Information ( 15 U.S.C. 1681c ( a ) ( 5 ) ) : The FCRA prohibits consumer reporting agencies from including adverse information that is more than seven years old ( except for criminal convictions ). If any outdated or obsolete information has been reported, it should be removed immediately.

Duty to Provide Accurate Information ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ) : XXXX XXXX XXXX XXXX is prohibited from furnishing information to consumer reporting agencies that they know or reasonably should know is inaccurate. Any inaccuracies in the reported information must be corrected promptly.

Requested Action : I request an immediate investigation into these matters and the following actions : Verification and Removal : Verify the accuracy and legality of the information reported by XXXX XXXX XXXX XXXX. If the information can not be verified or is found to be inaccurate or obsolete, please remove it from my credit report. 

Confirmation of Compliance : Provide written confirmation that XXXX XXXX XXXX XXXX has complied with all FCRA requirements, including my rights to privacy, the accurate reporting of information, and the appropriate handling of my account information.
Product: Debt collection

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trailXXXX XXXX XXXX XXXX XXXX of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with XXXX, XXXX, in accordance with XXXX XXXX accord and XXXX XXXX. Additionally, please provide proof of the original loan or credit application that I signed with your company.
Product: Checking or savings account

Wells Fargo claim # XXXX for disputed transactions totaling for a total of {$20000.00}. On XX/XX/XXXX I discovered fraudulent charges on my debit card by a company claiming to be XXXX over a period from XXXX to XX/XX/XXXX. These charged were not from XXXX and do not appear on any of my XXXX orders and many of the fraudulent transactions were for the same amounts. When I found the fraudulent charges, I immediately called Wells Fargo and audited all of my legitimate XXXX transactions and filed for fraud on the illegitimate fraudulent charges. Wells Fargo immediately gave me a credit for the fraudulent charges from XXXX to XX/XX/XXXX at the amount of {$1900.00}. They also gave a me a credit for another {$3600.00} while they investigated the other fraudulent charges and then took that back and sent me a letter claiming I waited too long to notify them and that " based on the information available to us " Wells Fargo '' we found the charges were made by you " XXXX XXXX '' or someone who had your permission. The charges were not by XXXX and were from a fraudulent entity and XXXX XXXX is claiming I am lying. Unacceptable. I am filing a police report and grievance and will also get legal counsel. They paid some and rejected the others and all were from the same fraudulent entity claiming to be XXXX but was not XXXX and no goods or services were ever shipped or ordered. This is debit card fraud. Amazing to me that Wells Fargo paid just a few of the fraudulent charges and rejected all the rest.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised that I can reached out to you all for help. I went to trade my car in and the man at the dealership said my credit would not allow it. I immediately signed up for one of those credit thingy and saw some things on my credit that is not mine. One thing that really stuck out was a bankruptcy. I called the Northern District of GA Bankruptcy and they lady at the clerk office told me that my social security number was not in their system and there is not bankruptcy for me. They told me to contact some company that has public records or something and the said the exact same thing so how is this possible smh. The other ones were XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX? XXXX and XXXX XXXX. I reached out to the FTC to let them know and the police here. I need help with this im doing this on my own and really need some help.
Product: Credit card or prepaid card

A charge from almost a month ago suddenly updated to a much higher amount due to " technical error " what I was told by cash app. Never notified no negative balance shown. Just as soon as I loaded the money it was taken immediately out of my account
Product: Debt collection

Im requested 1099c from world finance. I did not receive one yet they have it on my credit as a charge off/ write off as of XX/XX/scrub> 2021. It has affected my credit. This is fraud and I do plan on sueing if this is not corrected.
Product: Credit reporting

I 'm trying enroll I think victim of identity theft I need help of a fraud alert on my info
Product: Credit reporting, credit repair services, or other personal consumer reports

We had a series of deaths in our family. This caused some issues paying our bills. I enrolled with XXXX XXXX and let all of my credit card creditors know. They worked out settlments with XXXX  ( XXXX XXXX  ), XXXX XXXX, XXXX XXXX, Home Depot/CBNA, and XXXX XXXX. They are still in the process of working out a settlement with XXXX XXXX. All of theses accounts ( except XXXX XXXX   ) are paid in full according to the agreement ( some are with a legal firm ). In fact once we got caught up I paid the balance of the settlement off early with XXXX XXXX, Home Deport, and XXXX XXXX. Most of these creditors report the accounts incorrectly. For example, most of them are still reporting an " FP '' failed to pay currently even though there is no balance. Most of them are also reporting the status of the account as derogatory or a charge off. Also, they are reporting that I still owe them money and list that amount as past due. I have contested this with each credit bureau ( XXXX XXXX, XXXX, and XXXX  ). All have come back saying the information is correct so I can no longer contest online. I have uploaded the settlement agreements to each bureau also but they changed nothing. I have sent them letters in writing with no response. I have also sent letters to XXXX, XXXX, XXXX XXXX, and HomeDepot. Along with having a full time job we also own an electrical business and are in the process of going for a small business loan. With these inaccuracies it is putting that financing in jeopardy. Credit counseling should be a good thing and if the creditors were more willing you could work out a fair settlement on your own. But when they continue to add multiple fees and interest month it spirals out of control and make it impossible to ever pay back the debt. Attached are a few of the letters I have sent. I can find them all if necessary.
Product: Vehicle loan or lease

My loan with Foursight Capital phone number XXXX account number XXXX was paid in full on XX/XX/XXXX, the payoff balance was {$18000.00}. Foursight posted the payment on XX/XX/XXXX. On XX/XX/XXXX Foursight posted on my account Payment Service Contract Cancel ( Borrower ) {$1600.00}. On XX/XX/XXXX Foursight sent a refund for the amount of {$1600.00} to my old address, which was later forwarded to my new address, but at the time I received the check the 90 days had expired, so I couldnt cash that check. I contacted Foursight to let them know that I needed to have the check resent to me in XX/XX/XXXX ( over a year later ), they advised me that they would resend my check. They claimed to have put the request to accounting back in XX/XX/XXXX to have it reissued in which they claimed at that time it was sent, I have called 2-5 times a month since and have yet to receive my refund. They keep telling me and my husband that our check was resent again on XX/XX/XXXX, and today is the XXXX of XXXX and we still dont have our refund. This is my money.Not Foursights!
Product: Credit card or prepaid card

XXXX XXXX 19 Citi Credit Card has not .Relayed all payment to Credit Bureaus. 
Thru out entire Credit history period with CITI CARD ..It causes a bad Reflection on my Credit Score .Citi provides Card Members free credit scores Provided thru XXXX .The last 6 month score 740 '' s currently XXXX and Same period.. 
XXXX provides free credit scores via my long term CREDIT UNION as a member has shown a 50 point difference ..800 's Considering closing my Citi Card
Product: Credit card or prepaid card

I was mailed a " Pre-approved '' letter from Avant. It said I was approved for a credit card with a {$1000.00} credit line. It was sent to my correct and current address. When I " accepted '' the " offer '' on-line, it was switched to a {$500.00} line, and showed my OLD, no longer valid address. I corrected the address on the web form, and it showed as approved. 

Then, I received an email to " remind '' me to activate the card. Which I have NOT received, because Avant apparently mailed it to my previous address which no longer is able to receive mail ( due to excessive THEFT issues with the USPS which they refuse to acknowledge. ) I emailed Avant to advise them that the card was not ever delivered to me, and they replied that I have to call them ( yet they never answer the phone ). 

Now, I have received a BILL notice email that my statement is due soon. FOR A CARD I HAVE NEVER RECEIVED OR ACTIVATED. 

It is FRAUD to bill me for a card that I have NEVER EVEN RECEIVED, let alone activated. 

Avant needs to be investigated and fined for their ineptitude and willful FRAUD. First Bait & Switch on the credit line, then sending the card to an invalid address that was corrected on the acceptance form, then BILLING for services NEVER RENDERED. 

Thank you for any assistance you can provide.
Product: Credit reporting, credit repair services, or other personal consumer reports

all 3 wiped out ALL records of 2 car payments over several years and ALL mortgage payments back to XX/XX/2005 ... ..when we " disputed '' that we were paying and no payments were showing up ... .never missed a car payment ... missed one house payment before bankruptcy ... but it seems that in each case what we type is not read ... .and the system defaults to an automatically generated statement " dispute '' and then the file is expunged .... totally -- -- -- our credit is XXXX ... .we pay ~ {$2000.00} every month ... .Bankruptcy discharged 3 years ago ... ..but we don't understand why -- -- -if we pay -- -- -there is no record ... ... we could not get any confirmation of payments ... ... ..any payments ... ..so why should we pay????????????? we want to keep the house and cars ... .we think we should pay ... ..but there is no credit record we have for these payments ... ..why should these payments not be counted????
Product: Debt collection

They have called my work place HR Dept and tried to get my SS # and threaten to garnish my wage. If they garnish my wage I could lose my job.
Product: Credit reporting or other personal consumer reports

I am writing to demand the immediate deletion of the XXXXXXXX XXXX XXXXXXXX account from my credit report due to multiple discrepancies and inaccuracies that violate the Fair Credit Reporting Act ( FCRA ). Under the FCRA, credit reporting agencies are obligated to ensure that all information contained in consumer reports is accurate, complete, and verifiable. 

Upon reviewing my credit report, I have identified the following discrepancies that render the XXXX XXXX  XXXX account inaccurately reported : Credit Limit Discrepancy ( Equifax Report ) : The Equifax report lists a credit limit of {$0.00}, whereas the XXXX and XXXX reports correctly list the credit limit as {$1700.00}. This discrepancy indicates a failure to report accurate information. 

Date of Last Payment Discrepancy : XXXX reports the date of last payment as XX/XX/2021, while Equifax reports it as XX/XX/2021. The inconsistency in payment dates between the credit bureaus is unacceptable and misleading. 

Account Activity Discrepancy : The account 's last activity date is reported as XX/XX/2021, by XXXX, and as XX/XX/2021, by Equifax. Such conflicting information suggests that the account is not being reported accurately. 

Incomplete High Credit Information ( Equifax Report ) : The Equifax report fails to list the high credit amount, unlike XXXX and XXXX, which both report the high credit as {$2300.00}. This omission demonstrates a clear lack of completeness in reporting.
Product: Student loan

i attended XXXX XXXX, Pennsylvania for diesel and fabrication in XX/XX/XXXX-XX/XX/XXXX and they told me that they could get me a job after i got out the school but here it is XX/XX/XXXX almost three years later and still no job of any kind and it was n't from the lack of trying on my own, and recently the campus i had attended was sold off and closed similarly to the XXXX, Florida campus, and with this being how is it that you expect me to pay back my loans when the school could not follow through on thier promise, and further more earlier this year XXXX ( XXXX collages ) was sued and forced to pay back the loans for the students who still had loans out but it dont cover private loans so now again you me expect to pay you back the money i borrowed under the schools advice which they adivse all their students to get XXXX and perkins so they are your biggest asset and now you have lost that asset due to thier own negligence to the students the people who are the reason you get a paycheck and if you dont take of this matter ill personally make sure no student in the future will ever use XXXX again so as to put you out of business but use of the internet and put you of work cause you are too GREEDY to help those who have wronged and lied to by their respective schools. 
hope to hear back soon
Product: Debt collection

Never heard of sw credit systems and why they should add a collections derogatory mark to my credit profile for {$59.00}
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX  # XXXX Account Name : XXXX  # XXXX Account Name XXXX XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX
Product: Checking or savings account

I have banked with Bank of America for 51 years, starting in XX/XX/XXXX. On XX/XX/XXXX, I  received two letters saying they closed my accounts out. I have no idea why! I went to my local branch who called and was told they are not allowed access to the reason why. I now have checks bouncing, have two XXXX XXXX direct deposit checks coming to a closed out account, and no access to my money!!!!! This is outrageous! They told me my money was mailed on XX/XX/XXXX. As of XX/XX/XXXX, I have not received it and I have no access to my money! It does n't take this long to get mail and they should have expedited this amount of money! Why did n't they call me and tell me to go to my branch and get a certified check BEFORE they closed my accounts?!!! I called the number on the letter and they WO N'T tell me why either. They just repeat over and over that they have the right to terminate my accounts. On XX/XX/XXXX, I made several more calls to XXXX. I spoke to XXXX, XXXX, XXXX, XXXX, and XXXX. XXXX was the only one who was not smug or rude. She said my accounts were ruled " high risk ''! She even reviewed my accounts and said that she saw nothing out of order.I get a CA-PERS and social security direct deposit once a month. How is that high risk?! I 've done nothing fraudulent. I have never been arrested or even had a parking ticket!!!! I guarantee that this is a mistake. I did NOTHING wrong!!!!! I do n't have a clue as to why they did this. XXXX told me they sent my money to me 4 days ago on XX/XX/XXXX, but it may take 7-10 business days! Why are they allowed to do such a disgusting and harmful act without telling me?! Please contact them, find out why they did this and get my money back ASAP!!!!!! This is so outrageous egregious and an abuse of their authority. What if they did this to you? Why are they allowed to do this to people then say XXXX you, we do n't care? 
Thank you for your much appreciated help.
Product: Money transfer, virtual currency, or money service

due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ).

Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E.

These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX  Account Name : XXXX XXXX XXXX
Product: Credit card

I used my Bank Of America CC last XXXX for paying my tax bill. I did the check that gave me 0 % interest, I proceeded to go on line and setup and automatic bill paying. from there I do not know what went wrong, whether I put the wrong date in or the system did. So the bill is due on the XXXX of each month XXXX XXXX and my scheduled payment goes in on the XXXX. I have never seen a notice come to me either by email or by US mail that I was considered late. They continued to charge me a late fee of {$37.00}. ea month until today XXXX/XXXX/XXXX as I received my email indicating my bill is due the XXXX. So I went in and reviewed it, it looked like my auto pay was on, then I looked at the pdf of the monthly statement : late fee XXXX payment XXXX. So I called the number on my statement explained not sure why this was setup this way and please credit back the late fee 's that have totaled {$330.00}. I escolated it to a manager as the person could not assist, he only credited one month. I asked why is it that I have never been notified I was late on a payment, he pretty much said it was my responsibility to pay on time..I am not happy that Bof A has taken no steps to contact me since LAST year on this, ,I 'm not sure what to do now to get my late fee 's credited back. thank you
Product: Debt collection

I settled a debt through XXXX XXXX, a debt consolidation company, and was satisfied on XX/XX/2020 in the amount of {$410.00}. It is still showing on my credit and Im acting me negatively. I have requested pay off letters and disputed multiple times and they will not relive from my credit report. Lvnv Funding is the company. 
Acct # : XXXX
Product: Mortgage

I had a major financial crisis happen at the end of XXXX. This caused me to get behind on my mortgage. Ive made partial payments but I have not been able to make a full payment. My issue is that Vanderbilt Mortgage has 1 ) increased my payment amount to provide a cushion as they call it. And 2 ) they are not accepting my partial payment. 

My mortgage should be {$1900.00}. They are charging me over {$2000.00} ( I cant get the exact amount as they have also blocked my online account with them ). On today XX/XX/XXXX, I received a check from them in the amount of {$1000.00}. The checks where for partial payments in the amount of {$500.00} each on XX/XX/XXXX and XX/XX/XXXX. The letter attached with the check reads the amount represents less than half of the full amount due on the loan. 

What company returns payments?
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX
Product: Credit reporting or other personal consumer reports

The account with XXXX has been closed - paid in full since XX/XX/2023. For the last 10 months I have been trying to have this corrected with no success. I have made report disputes with all three credit bureaus ( XXXX, Transunion, XXXX ), disputes with XXXX, and U.S. Department of Education office of Federal Student Aid ( reference # XXXX ). All three credit bureaus reported they verified with XXXX and it was reported the report on the credit file is accurate. The account with XXXX has been paid in full since XX/XX/2023. There has been no action taken with any of the parties involved. The reports being disputed are the following : 1. {$47000.00} 2. {$82000.00} Totaling {$120000.00} - which has been paid in full. 

I am requesting assistance to have these two reports corrected to reflect paid in full with a {$0.00} balance.
Product: Mortgage

I have sent a couple of complaints and they appear to get closed as soon as 21ST Mort. answers. 

There are still issues with my account, although instead of me carrying this out forever on XXXX XXXX XXXX I sent an email to their attorney 's office requesting information on a hardship package and or information on what they offer since they state I am a payment behind and I feel that I am not and there is no way for me to make two payments in a month.
They also state the account is not on escrow at the moment, and I was credited for {$35.00} for when they did do the escrow. ( I do n't have escrow account ) but it was done more than 5 payments. 

I had n't heard any response on the XXXX XXXX email so I sent a follow up on XXXX XXXX XXXX and still have n't heard a response. 

Apparently in researching them on line I am not the only person with these issue.