23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

To whom it may concern : I am writing to formally dispute inaccurate information on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C 1681. Upon reviewing my credit report, I found the following inaccurate items, which I did not authorize or provide consent for reporting : 1. Incorrect Address : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX MN XXXX This address is incorrect and should be removed from my credit file as I have no connection to it XXXX. Unauthorized Accounts : 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 XXXXXXXX ) I did not provide written consent to these creditors to furnish or obtain my personal information, as required by law under 15 U.S.C 1681b. Therefore, I request that these accounts be removed from my credit report immediately.

Please investigate this matter and remove the inaccurate information within 30-day period as required by law. I expect to receive written confirmation once the requested corrections have been made.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) 1 ) e to equa d ) ustomer 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. XXXX Furthermore, their dispute resolution process a was unfair and veceptive, as they ild 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, credit repair services, or other personal consumer reports

After submitting a dispute challenge letter to Experian, about reporting account that has been deemed unverifiable, reporting inaccurately, and is in violation of FCRA rules and regulations and multiple violations Under the FDCPA. 

Account # XXXX ( XXXX/XXXX XXXX ) Currently still remains on my Experian credit report even though I asked identified the following violations and inaccuracies to Experian. 

( Please see attachment for further details ) : Unverifiable account balance, violation account must be deleted. 
: Unverifiable last date of activity on a closed charged-off collection account. Violation account must be deleted immediately. 
: Not reporting last date of payment. Violation account must be deleted immediately. 
: Not reporting last date account was updated or last status update. Violation account must be deleted immediately.
Product: Credit reporting or other personal consumer reports

The account for XXXX XXXX XXXX # XXXX, has been disputed several times with XXXX, equifax and XXXX  and is old information and still remains on my credit report with all three credit bureaus. this account has been closed for over 7 years and needs to be removed from my credit report.
Product: Payday loan, title loan, or personal loan

On XX/XX/2021, I received unwanted " junk '' mail inviting me to take advantage of a " Personal Loan Summary Prepared For : XXXX XXXX XXXX XXXX '' The company that sent this was " Upstart '' from XXXX XXXX  XXXX, XXXX XXXX, CA XXXX. I do not wish to receive credit solicitations. 

When I opened up the mail to see how to opt-out, on the first page there was a clearly written note that said the following : You can choose to stop receiving " prescreened '' offers of credit from this and other companies by calling XXXX. See PRE-SCREEN & OPT-OUT NOTICE on other side for more information about prescreened offers. 

On XX/XX/2021, I called the published opt-out number. I was greeted instead with yet another " offer '' which said I could press a button to receive a {$100.00} credit to spend at major retailors, such as XXXX or XXXX. Or, I could hang-up! It was a bait-and-switch and there was, in fact, no information to opt-out.
Product: Mortgage

My Heloc was at XXXX loan services. On my statements it NEVER showed any late payments or past due. Furthermore, when my loan was sold to Specialized Loan Servicing first loan statement showed absolutley nothing past due. On the next statement, all of a sudden, I show XXXX. XXXX outstanding late fees. 

I dispute this debt and SLS did not help me anything when I called them. They told me to call the previous servicer. HAHA. SLS is the ONLY lender that placed these fees. I had no problems with previous lender.
Product: Mortgage

I spoke with XXXX on XX/XX/year> asking for a payment modification to help relieve some struggles in our budget. I told them I didn't want a payment modification if it would affect my credit. I was told multiple times that if I made the XXXX payment after the end of the modification ( XX/XX/XXXX ) that there would be no negative impact to my score since they were using the XXXX modification. I logged in to my account online multiple times to make sure everything was good, and every time I did it showed I had no payment due until XX/XX/XXXX. Over the past few weeks I have been receiving notifications from the company claiming that I am delinquent on my account and at risk of foreclosure if I don't bring it current. I called in and spoke with a lower level associate who couldn't answer any questions so I was transferred to a superior who said they would review everything. After the review I was called on XX/XX/year> to be informed that the review was complete ( including listening to the conversation from XX/XX/XXXX ) and they determined that they had clearly stated this would affect my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to blatantly ignore my account disputes, they will not even do a proper investigation, I submitted a cfpb complaint a few days before, stating my problems they responded with an answer that didn't have nothing related to my request. They claim to do a reinvestigation. Their " reinvestigation '' took less than 4 hours before they verified these account again without providing me proof of their accuracy. I have proof attached photos of their 4 hour investigation. They are reporting inaccurately on MY credit report, and I have no say whatsoever, This is COMPLETELY unfair and unconstitutional, I asked them on multiple occasion to please do a proper investigation they investigation they did took less than 4 hours, How fail to see how in any situation is that adequate enough time to do a thorough investigation. They claim they can not remove these account because I they say they belong to me, I asked them to provide me validation of debt for proof, they have not. Also, they accuse me of working with a credit repair company, I have never in my life hired a credit repair agency. I have proof to backup every word in the complaint attached with this complaint, Experian continues to report invalidated account on MY credit report without proof, and I don't have a say. Experian is in proper violation of the FCRA. This is unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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
Product: Checking or savings account

In reference to fraud to account corresponding to CFPB Case XXXX. 

I have presented TD Bank with disclosure of concerns pertaining the fraudulent use of my account and identity theft. TD Bank has noted that the fraud claims presented under REG E claim XXXX and REG E XXXX have been resolved statinng appropriate action has been taken to resolve the matter and mitigate the losses of monies. To this date the remaining REG E claim has not been address appropriately corresponding to the same recurrence of fraud and identity thief for a debit card that was issue to a third party without my authorization. Further, I have requested the account to be close and will not be making business with TD Bank in demonstration of my disagreement with the poor practices of XXXX XXXX, Assistant Vice President, NMLS ID # XXXX who handed me a check with the balance corresponding to the credits to the account as resolution of fraud without even an acknowledgement of the consequences that this has had on me and my business. 

I have visited TD Bank located in XXXX XXXX and the teller XXXX XXXX has said that she would reach the corresponding department for appropriate action. I was hoping to meet with a customer relationship specialist, but XXXX XXXX thought that she would resolve my concerns from the teller window, which she failed to do. I certainly expect that regard be employed towards what this process has been and how I have been prevented from a proper resolution. In relation to the response to the previous CFPB complaint, I am not in understanding that the final REG E claim has not been handled with propriety to this date and expect appropriate action.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that XXXX, XXXX, AND EQUIFAX will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX XXXX .. XXXX
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 3 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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$0.00}, XXXX  XXXX XXXX Balance : {$2100.00}
Product: Mortgage

I have defaulted on my mortgage payments because I am in a serious financial crisis. I have explained in detail to my mortgage company by email so that they have every detail of my situation and how I plan to pay. They call and they email and they call and they email repeatedly like bullies as if I am holding onto my money and refusing to pay. I have {$160.00} in my account at this moment. They email me and tell me to call because they wont put a hold on the account by email. What does it matter if I call versus email! Its the same reason Ill give them over the phone! In the past when Ive contacted them by phone theyve tried to get me to pay. I dont like talking to them over the phone because they can be very ugly and rude. Its totally unnecessary. They know I live in TEXAS and we went through a horrific WINTER STORM! We went days without electricityand water and I missed an entire week of pay! My bf works for XXXX and his store was closed for a week so no one was there to do payroll. My paycheck for that week was only {$90.00}!! You tell me how Im going to pay a {$1000.00} mortgage with {$90.00}. Please someone tell me how Im going to squeeze that out of {$90.00}. It took 2 weeks for payroll at XXXX to get back on track because of the winter storm. I had to cash out my XXXX from my last job to get caught up. I have not gotten a stimulus package, otherwise I would have paid already! Being bullies and trying to squeeze money out of someone that doesnt have it does not help the profound situation. I have never been able, in the past to get a hold of my XXXX XXXX from XXXX. Its always someone else, then I have to re-explain the situation and then they get a supervisor on the phone and theyve always, always been nasty to me. Being ugly does not help the situation, especially when theyre a complete stranger. They do not know what is going on in someones personal life. There is absolutely no compassion when said person has been through multiple catastrophic events. I have been struggling since Ive moved in this home. Ive had through XXXX major XXXX XXXX, I was XXXX, i was on short term XXXX, which limits your income, then XXXX hit, then I wrecked my car, then the winter storm hit Texas. I have been doing the best I can given every single thing I have endured since 2015. I have tried to get a home loan modification but they refused and only modified one payment after I had my XXXX  XXXX. It did not help. My mortgage should be modified to my current income so it is affordable. Im only make {$10.00} an hour. When I bought the home I was making {$15.00}. Thats a big difference. Even though every payment has been late, Ive still made my payments. Im doing the best I can. If 21st does respond to this I know theyll try to justify their reasons for being the way they are.
Product: Checking or savings account

I deposited a check for {$120.00} on XX/XX/2023 in the Bank of America mobile deposit tab of the Bank of America application for mobile. On XX/XX/2023, I logged on to the app and saw a message displayed on the top of the screen that read : some deposits may be temporarily delayed due to an issue impacting multiple financial institutions. 
It is now XX/XX/2023, and I have not received any funds from the check. 
I am distressed by this delay. I needed that money to keep my XXXX XXXX XXXXXXXX appointment for today, XX/XX/2023, and it is important that I obtain a new prescription today because I am only prescribed a months supply of my medication at a time. The ambiguity of any deposit date raises further concern and distress. I am currently unemployed, searching desperately for work, and have no resources currently to cover the cost.
Product: Mortgage

I have requested that Hudson City Savings Bank provide me a copy of the monies that were allegedly paid by XXXX XXXX in 2005 for my Hudson City Savings Bank mortgage so I can sell my house. It is by far and wide NOT acceptable practice to rely on pieces of paper filed by others claiming the mortgage was " Cancelled of Record '' without providing SATISFACTION of mortgage and RELEASE OF LIEN along with the required DISCHARGE OF MORTGAGE. I have been warned about being scammed and not getting what I am entitled. I am unable to sell my house because without the requested documentation. I can just take a mortgage stamped " CANCELLED OF RECORD '' and find a buyer to go by my house when there is not proof of title insurance and the sellers signed the Affidavit of title for XXXX XXXX XXXX XXXX, N.J. when the correct address is XXXX XXXX XXXX XXXX N.J. XXXX has no record of getting the money from XXXX XXXX who no record of paying the money. I need to sell the house but the problem is just like many other people on XXXX XXXX there is a major XXXX  SCAM going on right now go to the XXXX  XXXX site and plug in my address using XXXX XXXX XXXX XXXX, N.J. XXXX and with will retrieve MIN XXXX Now plug in the NON EXISTENT address of XXXX XXXX XXXX XXXX N.J. XXXX you will come up with the MIN XXXX The big problem is they did this for the ENTIRE BLOCK. Please just let me know that you don't have these records because the mortgage was never issued. This happen all over on my block. We all know that it is just about impossible to find a buyer to plunk down {$500000.00} and tell them that you have no proof of the MORTGAGE BE SATISFIED and that you have no proof of THE LEIN BEING RELEASED and there is no proof of the DISCHARGE OF MORTGAGE and on top of that NO TITLE insurance. I am being subject to severe financial harm and anyone would agree please either get me the requested documentation of explain or explain that there was no documentation to give because there was no mortgage. Racketeering draws in people from all walks of life and just plug in any address on XXXX XXXX and XXXX XXXX and you will now what is coming soon. Incidentally the closing attorney XXXX XXXX XXXX was requested to correct the many " mistakes '' he made at closing and has not even made an attempt. XXXX is a sitting XXXX JUDGE ... ..This is not easy but it will get done!!
Product: Mortgage

I have been with my mortgage company, XXXX XXXX XXXXDovenmuehle for over two years with NEVER missing or having a late payment. My interest rate is fixed at 2.875 % and will mature on XXXX The reason for this compliant is that is there is an error with my escrow account. As I informed you, I have never missed a payment or been late But my escrow account is a mess. I did change insurance companies briefly in XXXX but went back to my initial insurance company, sent XXXX the escrow payment of {$940.00} in XX/XX/XXXX which out my escrow account where is should be. XXXXXXXX XXXX has gone up from {$750.00} to {$870.00} because they claim there is a escrow shortage based on a forecast of my home insurance that has NOT gone up nor have my State taxes gone up. My Insurance company Rep called and received the same run-around. I have been on the phone all week, and none of the staff there can fix the issue or explain their process of forecasting. They increase my mortgage WITHOUT receiving the new home insurance policy that begins in XX/XX/XXXX???? I was told by multiple staff that my mortgage will go up every year??? I can understand that if State taxes or Home insurance goes up, yes a small increase will take place but not {$170.00}. I need help with this issue. I work 2 jobs, a XXXX XXXX  with a household of XXXX. 
Thank you XXXX XXXX
Product: Student loan

I am currently enrolled in Public Service Loan Forgiveness Program via FedLoans and I have been trying for over 2 years to get an accurate count of my payments that count toward forgiveness and have been unable to achieve this with the company. I have been unable to get consistent answers on what payments they are counting and why the payments that should count are not.
Product: Mortgage

These companies call 3-4 times a day I have told them I'm on the Do Not Call List. Under Maryland Law this is Telephone Harassment. I am retired XXXX  XXXX, and would like compensation for these numerous violations.
Product: Debt collection

Hello, I am filing a complaint against Flexible Finance Inc. They are falsely reporting that I owe a debt that has been paid in full. I have emails from them confirming same and they were uploaded to my complaint for XXXX and will be uploaded here. I have tried extensively to get this off of my credit report and either XXXX is failing to investigate or Flex is providing false information. Please help. 

XXXX XXXX
Product: Checking or savings account

I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to verify or red flag fraudulent activity. I'm currently a victim of both Identity and Business Theft & would appreciated the funds returned and criminals prosecuted. XXXX XXXX XXXX XXXX there are a number of withdrawal ( XXXX ) without confirmation numbers plus ATM withdrawals that were stolen tied to XXXX XXXX disbursements where my emails were also compromised - 100 % verified unusual activity & suspicious red flags. My XXXX XXXX disbursements and XXXX should not be withheld considering I'm a single mother with XXXX dependents facing such negligence by criminal ( XXXX ). My Bank of America Operating Expense is where the Business Theft is present with unauthorized XXXX  ACH to BOA Accounts plus XXXX and XXXX Account compromised, unusual logins, online banking shut off, some fraudulent XXXX XXXX  Address affiliated to my XXXX XXXX XXXX XXXX XXXXXXXX, many disputed charges that were fraudulent, plus most of the bill pay, counter credits, or transfers have " NO '' confirmations numbers tied to the theft. > {$20000.00} GONE! In the midst of my funds being stolen my car was targeted as well. Twice while parked and off I faced vandalism and accident to verify fraud on my XXXX XXXX XXXX. I also faced mail fraud where they stole a XXXX XXXX XXXX XXXX XXXX XXXXXXXX with blades put into my tires. Now I'm facing ongoing XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Apps that are 100 % UNAUTHORIZED when I'm an Author that owns a Copyright and Trademark. I've 100 % been targeted by Organized Fraud Criminal ( XXXX ) and the XXXX Government or recommended " Complaints '' have done absolutely " nothing '' to help my family or I especially considering my support and taxes continue to be undeservingly withheld or stolen, when I need them to protect my dependents and fix my credit that is 100 % damaged from the endangering Identity and Business Theft, not me! The banks need to stop concealing the fraudulent activity and give explanation & documentation of the fraud accuracy! As soon as I closed XXXX Real Estate Commissions- they stole thousands from my hard earned pay. The State , County, and Government continue to cause my family and I concealment inflicting additional endangerment instead of actually going after the negligence including ; fraudulent criminals, vandalism criminals, date XXXX criminals, banking concealment, auto insurance policy negligent discrepancies, mail fraud, trash fraud, app fraud, media fraud, harassment, endangering criminals. The fraud is also tied to FL unusual transactions where they recently compromised my step dads social security number as well.
Product: Credit card or prepaid card

I am the victim of fraud. someone hacked my accounts and made purchases and bogus payments to it. resulting in capitol one closing my accounts.
Product: Student loan

I contacted National credit services and made arrangements in XX/XX/XXXX. In XX/XX/XXXX I faxed XXXX my paperwork and emailed them the paperwork to XXXX Then I heard nothing from the company. Now the company NCS states that a payment from my account at XXXX XXXX was declined and that they emailed me and sent me letters and called me 23 times, however I have no emails, no letters from the NCS and no missed calls or at least one voicemail from this company. I contacted them and in XX/XX/XXXX and it took 2 tries to upload the documents on their website, 2 emails to the docs email address and 2 times that I faxed them and they finally got my paperwork. They are currently garnishing my pay, and they record every call and in those recorded calls they have admitted to my horror that they are not equipped to receive the avalanche of paperwork. Please investigate National Credit services XXXX XXXX XXXX XXXX, WA XXXX Physical Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, WA XXXX Office Hours : Monday-Friday, XXXX PST Department of Education : XXXX XXXX ( XXXX ) XXXX I am sure I am not the only one they have done this too thank you for your time
Product: Credit reporting or other personal consumer reports

Dear CFPB, This letter is in regards to the errors in my credit ATTENTION : EQUIFAX XXXX XXXX I received notice from my broker while applying for a home loan that my consumer report is showing that I am an Authorized signer for a XXXX XXXX  XXXX XXXX that has a debt amount for {$3.00}, XXXX. I have no recollection of being a signer for this Bank Card nor do I have any accounts with this company. In my attempt to rectify this issue, I found the phone number of the bank and asked to speak with a representative. I was told that I was not listed in their system as a signer nor do I have an account with them.