23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Property sold on XXXX/XXXX/2015 ... new contact information promptly provided to Seterus within one week of sale as they owe an escrow refund of approximately {$1200.00}. It is now XXXX/XXXX/2015 and still no refund, can not get any clear information as to why ... I 've been told that it was sent to my old address, but despite forwarding it was not received, then was told it was sent on XXXX, not received, then told they had to cancel the check on XXXX but that I could not follow up for 14 days as that is how long it would take to reissue. It 's been greater than 14 days and now I am being told that their process has changed and it STILL has not been issued and that it will now be another 15-30 days to reissue ... but I 'm sure when I call back in 15-30 days I will hear the same thing I 've heard the previous 3 1/2 months. This is ridiculous, if I owed them money for nearly 120 days I would face significant consequences, yet the only recourse I have is to continually call, wait on hold, be told a different story every single time I call. I just want this to be resolved so I NEVER have to call them again ...
Product: Credit reporting or other personal consumer reports

I did not authorize these inquires on my credit report. I demand the following fraudulent inquires be removed from my credit report. Its a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights. 
XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Harris & Harris, on a debt I made a small payment XX/XX/year> was told I had to make a payment weekly, not monthly. I didnt make a payment plan as it didnt meet my budget minimum. If I didnt make weekly payments I WOULD be reported weekly to credit bureaus. Every 29 days maybe after nonpayment but this rule of theirs is aggressive. It is not easy to find a 2nd job to pay Harris.
Product: Credit reporting or other personal consumer reports

The presence of these unauthorized accounts and inquiries has caused considerable concern about my financial stability. It is crucial that my credit report accurately represents my financial history, as it plays a vital role in informing potential lenders about my financial management. Therefore, I am requesting an urgent investigation and swift correction of the following inaccuracies and unauthorized accounts. 

AXXXX 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  Previous Address ( es ) : XXXX XXXX XXXX XXXX, MA XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX MA XXXX XX/XX/XXXX Employers XXXX XXXX XXXX XXXX XXXXXXXX : XXXX XXXX
Product: Debt collection

I was seen at XXXX XXXX XXXX. I am a XXXX veteran and was reffered out and seen at XXXX XXXX XXXX  for a medical issue. The Veteran Affairs office has already paid XXXX XXXX XXXX, this is an attempt to double collect the payment that they have already received.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I submitted a dispute on my account that was in clear violation of the FCRA. 
It states as a collection but when I called the company they told me it was charged off. 
I contacted the company XX/XX/2023 at XXXX XXXX  and ran an account audit. It is stated as a collection but with the company it is reported as charged off and closed. 
This inconvenience has been preventing me from getting the emergency funded I needed to get a loan. I was in dire need of loan to prevent an eviction and my family has been evicted and we have been trying to find another home during this high inflation economy. 

In the Fair Credit Reporting Act ( FCRA ), the section that deals with inaccuracies in consumer credit reports and outlines the procedures for disputing and correcting such inaccuracies is primarily found in Section 611. 

**Section 611 : Procedure in case of disputed accuracy** **Subsection ( a ) : Free Annual Disclosure** - Consumers have the right to request and obtain one free credit report from each of the three major credit reporting agencies ( Equifax, XXXX, and XXXX XXXX once every 12 months through XXXX 

**Subsection ( b ) : Prompt Investigation of Disputes** - If a consumer believes that their credit report contains inaccurate or incomplete information, they can dispute it directly with the credit reporting agency ( CRA ). 
- Upon receiving a dispute, the CRA must conduct a reasonable investigation within 30 days to verify the accuracy of the disputed information. The 30-day period may be extended by 15 days in some cases. 

**Subsection ( c ) : Reinvestigation and Correcting Inaccuracies** - If the CRA 's investigation finds that the disputed information is inaccurate or incomplete, it must promptly correct or delete the information. 
- If the disputed information can not be verified, it must be removed from the consumer 's credit report. 
- The CRA must notify the consumer of the results of the investigation in writing and provide a free copy of the corrected credit report, if applicable.

**Subsection ( d ) : Notification of Dispute** - The CRA must also notify the furnisher ( the entity that provided the disputed information to the CRA ) of the consumer 's dispute. 
- The furnisher is then obligated to conduct its own investigation and report the results to the CRA.

**Subsection ( e ) : Procedures in Case of Reinsertion** - If the CRA reinserts previously deleted information based on the furnisher 's response, the consumer must be notified within five business days. 
- The consumer has the right to request information about the source of the reinserted information.

**Subsection ( f ) : Civil Liability for Willful Noncompliance** - This subsection provides for civil liability for willful noncompliance with the FCRA 's requirements, which can include damages and attorney 's fees.

**Subsection ( g ) : Administrative Enforcement** - The Federal Trade Commission ( FTC ) and other federal and state agencies are responsible for enforcing the FCRA.
Product: Checking or savings account

Seems like the CFPB is Not on the customer side but protects JPMorgan who kept my {$1500.00} Dollars. And CFPB have not even read the proposal thst the bank made which makes no sense. 

If I can't see my bank details online how shout I request the closing of my account and give my bank number if Chase blocks my bank details from being viewedl. 

I will get access to my money again. The company has to propose a fair solution that gives me access back to my account. This is discrimination and racism of foreign citizens who have ever opened a bank account in the USA. I want my money back.
Product: Money transfer, virtual currency, or money service

I have XXXX dollars in a Venmo account in the Venmo balance actually and they have froze my account 2 times within XXXX this last time haven't heard anything from them and it's going on 10 days I've called multiple times and submitted claims after claims and still is suspended gave them my info and still nothing.
Product: Debt collection

I am requesting assistance with issues with XXXX XXXX and Fair Collections & Outsourcing regarding a single family home I rented at XXXX XXXX XXXX XXXX., XXXX, California XXXX from XX/XX/XXXX to XX/XX/XXXX. Uploaded with this complaint are the following items for your review, and for which I am requesting assistance with : 1. XX/XX/XXXX letter from XXXX XXXX demanding payment of unlawful charges. 
2. XX/XX/XXXX letter from me to XXXX XXXX disputing the charges. 
3. XX/XX/XXXX letter from Fair Collections & Outsourcing, representing XXXX XXXX and demanding payment of the disputed charges. 
4. XX/XX/XXXX letter from me to Fair Collections & Outsourcing and XXXX XXXX demanding a response to my initial disputed letter of XX/XX/XXXX. 

All of the above items have been uploaded with this complaint. 

There are several bottom line issues here : ( 1 ) XXXX XXXX inspected the property without first providing notice to or the opportunity for me to be involved in the exiting walk through ; ( 2 ) there were no receipts or photos of the alleged claimed damages provided to me upon my request ; and ( 3 ) after the charges were disputed, XXXX XXXX disregarded my letter of dispute and sent the account directly to collections. 

I am requesting any assistance that you can provide. All of my contact information can be found on my letterhead in the attachments. My email address is XXXX. Thank you.
Product: Mortgage

Planet Home Lending disables the ability to make a payment online when your over 30 days late. I have tried to contact them to make payment arrangements but they refuse to accept my XX/XX/XXXX payment without setting up a payment for XX/XX/XXXX which I understand is due, however, it's not even past my grace period for a late fee. I've tried several times to talk to their Loan Counseling department without any success. I finally gave in & agreed to a payment plan ( TOLD THEM SEVERAL TIMES, I DID NOT WANT ANY TYPE OF MOD, PAYMENT PLAN OR ANYTHING SIMILAR ) which is spreading my XX/XX/XXXX payment over 3 months, thus giving me a monthly payment for the next 3 months in the amount of {$3300.00}, which is {$820.00} EXTRA per month for the next 3 months ( and will still be reporting to my credit as being 30-59 days delinquent ) when I'm already struggling to make my regular {$2400.00} payment, so we know how this is going to end. My $ XXXX monthly payment includes {$350.00} extra for escrow arrears which should have ended already but they're still charging me the same amount. I asked to speak to a manager, thinking maybe they'd be more knowledgeable and helpful but the representative ( XXXX, employee ID # XXXX in Connecticut ) stated her supervisor was at lunch & the supervisor in Florida was not available, she did offer to have someone call me back, which I'm still waiting for. 
I fell behind on my mortgage payment due to having emergency XXXX in XX/XX/XXXX and having to on temporary leave from my job. I've been trying to make my XX/XX/XXXX payment which is over 30 days past due, but, have not been able to make it due to Planet Home Lending refusing to take my XX/XX/XXXX payment unless I schedule my XX/XX/XXXX payment as well. I told them I have plans to make my XX/XX/XXXX payment XX/XX/XXXX but did not want to schedule because I want to make sure the funds are actually in my account on that day as I have fallen behind on other bills. 
Planet Home Lending does not make it easy for borrowers to make their payments. Their system is always down, my account is almost always locked & if you try to call them their representatives are always " assisting other customers ''. I need Planet Home Lending to complete an escrow analysis on my account so that the extra {$350.00} " arrears '' can be removed from my required monthly payment. 
I can not wait until I'm able to refinance to leave Planet Home Lending as it is the WORST mortgage company to have your mortgage serviced by.
Product: Credit reporting, credit repair services, or other personal consumer reports

A report was filed with the credit bureau that I owed over {$1800.00}, which I do not. 
I looked up and called Zions Debt holdings File number XXXX in XXXX Utah XXXX 

The lady on the phone asked if the last 4 of my SS number were .... and she was correct. I did not supply the information. She said she could see that i did not owe any money to XXXX. I demanded it be removed and the credit score reversed. I do not know if this will happen. 

If you read EVERY SINGLE review, including with the XXXX states  the same thing, the company appears to have old acount info from home security companies and reporting volumes of debt to the credit bureau that do not exist. 
How and WHY are you allowing a bogus company to negativey affect so many innocent people???? 
They should be BANNED from being able to report anything against consumers. please investigate and stop this government sanctioned fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian on numerous occasions in XX/XX/2022 to XX/XX/2022 to remove inaccurate and invalid addresses and names from my account for which they refuse. I explained that I was involved in the XXXX Data Breach where my name, address, phone number, email, and social security number was compromised and floating on the XXXX XXXX and that I can send verified proof of my ONLY name, address, birthday, and social security number. I was told to contact the creditor that placed my name wrong on the credit report which I didn't know who did in order for them to correct. That was not a healthy move for the agent assisting me from Experian because it just only frustrated me even more. I attempted one last final time on XX/XX/2022 upon me enrolling into the Experian XXXX XXXX to monitor any new activity to come onto my credit reports. I submitted a claim # XXXX into XXXX XXXX Data Breach Settlement on XXXXXX/XX/2022 also. The Fair Credit Reporting Act states that it promotes the accuracy, fairness, and the privacy of information in the files of consumer reporting agencies and that these agencies must correct or delete inaccurate, incomplete, or unverifiable information. I am requesting under the Fair Credit Reporting Act ( FCRA ) that the listed invalid name and invalid addresses be removed from my Experian report immediately. 

XXXX XXXX this is NOT my last name and I want this entry removed or corrected from my report Name ID # XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX is invalid, never lived here and needs removed immediately along with any association to other accounts Address ID # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX invalid, never lived here and needs removed immediately along with any association to any other accounts Address ID # XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX is more than 7 years old, invalid and needs removed immediately along with any association to other accounts Address ID # XXXX XXXX XXXX XXXX XXXX, CO XXXX is more than 7 years old, invalid and need removed immediately along with any association to other accounts Address ID # XXXX I have ONE address and ONE name given at birth that should be listed on my credit reports XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX
Product: Credit reporting or other personal consumer reports

It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me. 
Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Included also, all the information required by sections 1637 ( b ) of title 15. 
If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified in the bottom ( lacking reasonable procedures to ensure the accuracy of my account ) and i would timefore request that you remove the late payments from my accounts and consumer report with the following consumer reporting agencies and updated the accounts to positive. 

Accounts are : 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

I signed up with Lexington law about 6 or 7 yrs ago to try and fix my credit they had me pay them $ 150 monthly for about a year before I lost my job and had to cancel services during that time they had challenged most everything on my credit report and continued to do so so that it looked like things where being removed from my report which brought my score from XXXX to XXXX only once I canceled service did I figure this out because everything thay had appeared to have had removed came back as brand new debt and hammered my score down to XXXX that did nothing they claimed they could do and it has taken me years to get my score back up to XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
Account Type Condition Responsibility Term ( in months ) Remarks REVOLVING Closed INDIVIDUAL Account previously in dispute - nOw resolved - reported by subscriber XXXX XXXX XXXX Date of Account Status Payment Status Legally paid in full for less than the full balance XXXX XXXX Reported : XXXX XXXX, XXXX {$0.00} Closed Overview You're currently using 0 % of your account 's limit. 
Balance XXXX XXXX  Credit limit XXXX XXXX Monthly payment {$0.00} Opened XXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ) Payment History Last payment XXXX XXXX, XXXX In Collections/Charge- off Current Payment Status Amount nant din Today Credit Cards Loansit is not accurate closed paid in full
Product: Credit reporting

a yes I have filed a complaint with the FCC and transunion sent back saying they did not get enough info to solved my disputes -- could you let them know I am speaking about the collection of XXXX XXXX I was so sure all you had to do is what collection did you take off in XXXX XXXX and then put it back on in XXXX XXXX and yes I did filed a complaint in XXXX and the complaint was about the collection and why do you have to contact them when you were the one who removed it again do I have to wait another 7 years
Product: Mortgage

On XX/XX/XXXX, my husband DIED unexpectedly. Unfortunately my husband was having some difficulty with the mortgage and it was in the rears when he died all of a sudden. As an heir of the property, I recently contacted the mortgage company to request a 6-month Forebearance so that I can get things in order legally through probate court. 

I mailed a certified letter with a copy of my marriage certificate enclosed with letter requesting the forebearance on XX/XX/XXXX. It was brought to my attention the foreclosure process was IMMEDIATELY started in XXXX and my husband hadn't been deceased for 30 days! 

Now the mortgage company is seeking to put my home on auction on XX/XX/XXXX without allowing me sufficient time to make an attempt to resolve this situation. This home has been in our family since XXXX. 

My home is worth approximately {$450000.00} and there was loan of {$300000.00}. taken out in XXXX. If given the opportunity to sell my home, the loan of {$300000.00} can be repaid because the value of the home is greater than what is owed on the home. 

I have made several attempts to speak to the attorneys of the mortgage company however I have not received any response from them at this time. I believe my family is being taken advantage of as we grieve the loss of our husband and father! As his widow, I am requesting help with this matter. It would be out right criminal to take advantage of our family as we grieve his sudden death and then loose even more by the loss of our inheritance which has been in our family for 30 years or so. 

I would deeply appreciate any assistance with this unfortunate circumstance. His loss is devasting and I believe our family was not given adequate time to adjust to his unexpected death as I take the proper steps to resolve through probate court.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account showing on my credit report for XXXX XXXX. See below Account Info Hover over labels for more details Account number XXXX   Account status Open Date opened XX/XX/XXXX Account type Credit Card - Revolving Terms Usage : 100 % Balance on XX/XX/XXXX Credit Limit {$7100.00} {$7000.00}
Product: Debt collection

Upon reviewing my credit report I noticed accounts from PHOENIX FINANCIAL SERVICES placed. I have never received any information written nor call about this alleged debt. I mailed validation letters twice via certified mail on XXXX XXXX 2017 and then again XXXX XXXX 2017. I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my  privacy and medical records from third parties. I did NOT give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allow the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, I asked them to allow me to validate this alleged debt and to send me detailed breakdown of fees and any collection costs and medical charges. I asked a for a copy of my signature with the provider of service to release my medicalinformation to PHOENIX FINANCIAL. I requested FULL documentation of what was received from  the provider of service. Lastly. I asked that they cease any credit bureau reporting until the debt has been validated by me. I also stated that if they can NOT provide ALL of this information they MUST remove this collection from my social and from all XXXX major credit bureaus such as XXXX, XXXX and XXXX. XXXX has NOT complied with my requests. Reporting and therefore continuing to report this invalid information to the credit bureaus and not allowing me to validate is a violation of the FCRA.