23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Due to financial hardship contacted XXXX to obtain mortgage assistance in XXXX 2015 *before mortgage was late. Submitted workout package in XXXX 2015, received misleading information from Loss Mitigation Department advising that account must be XXXX months past due prior to approval. XXXX XXXX, 2015 received denial for forbearance, repayment plan or any other type of assistance. On XXXX/XXXX/2015, Submitted 1 month payment. Received no calls or correspondences. I checked account via online and noticed that it was not credited. Contacted XXXX and was informed that it was returned by XXXX via USPS mail on XXXX/XXXX/2015. I continuously called every day to check on the status and they repeatedly stated it was returned on XX/XX/XXXX via USPS mail. It was credited to my bank account on XXXX/XXXX/2015. Then, XXXX demanded XXXX months payment by XXXX/XXXX/2015 to stop acceleration process. Payment made on XXXX/XXXX/2015 ( {$3600.00} XXXX. XXXX sent certified letter stating that they are going to foreclosure on our home and demanded another {$4000.00} to avoid foreclosure. Documentation provides XXXX different toll free numbers for assistance. Called all XXXX numbers and each number is to a different company : Dovenmuhle or XXXX. Receiving phone calls up to XXXX XXXX a day. Answer each call and the representative tells us to disregard call. I would like resolution and an honest answer from XXXX and Dovenmuhle on what is the status of the account and if they plan on working with an active duty service member on a repayment plan. I 'd appreciate a cease to the threatening daily letters and phone calls considering that I have met all of their demands to date and unfortunately they have not honored their agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX # XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) # XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) # XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) # XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) # XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) # XXXX, XXXX # XXXX, XXXX XXXX XXXX # 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
Product: Checking or savings account

Hello, On XX/XX/XXXX, an ACH withdrawl that I initated in the amount of {$1400.00} posted to my account. The ACH was declined by the receiving party and the funds have not been returned. I spoke to a CSR at BOA on XX/XX/XXXX and she instructed me to fill out a ACH return form which I did and email to BOA. I followed up on XX/XX/XXXX to inquire if any action had been taken on my claim. After spending over 1 hour on the phone, being transfered from one dept to another and having to verify my identity everytime I spoke to someone new, no one mentioned anything more about a claim. I was put on hold the final time while the CSR researched it with the ACH dept. I was told to call XXXX and give them the tracing number. Though I feel that BOA should do this on behalf of their customer of 24 years, I did not want to spend any more time on hold and noted the information given to me. I called XXXX and after a recording, the phone hung up. So I spent over an hour wasted and no progress. I called the merchant again and they advised me that the transaction was declined and it should have been sent back. Why it shows posted in my account I do not know, but I feel that BOA is not taking this matter seriously and taken action on my behalf. I need BOA to resolve this ASAP. BOA is showing the transaction as posted and they need to trace as to where it went and have the funds returned. It is fine hearing the on hold recording on how valuable a customer I am but action on my behalf will actually show the value. Please advise on this situation. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the FCRA, any item that is proven to be inaccurate has to be removed from my credit reports. Please note that XXXX is reporting inaccurately and the account lists many inconsistencies. This item was in dispute with XXXX  on XX/XX/2020 and somehow it returned valid. I immediately sent over a MOV ( method of verification ) and it returned as remain on XX/XX/2020. The report number is XXXX. I havent received any paperwork on this account and the bureau ignored my request for the proper MOV. How were you able to verify so quickly and HOW? I feel like I am being treated unfair and this company is being allowed to destroy my credit reports and character. My reports are a reflection of ME. 
This item needs to be removed from all three of my credit reports as it is in fact reporting inaccurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX  are incorrectly reporting the coding on the XXXX  - account number XXXX. It is being reported as a code M5. There is a {$0.00} balance and {$0.00} past due on this account. This incorrect coding is harming my credit score and is a Fair Credit Reporting Act violation.
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 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for.6 purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit reporting act XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602A. States I have a right to privacy.

15 U.S.C 1681 section 604A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Act XXXX 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 A Section 2, it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Student loan

I have {$4400.00} or so on my Student Loan, But that total has not really went down Since XXXX When I checked back with XXXX XXXX Back in XXXX how long it would take to pay of the money at that time was {$5600.00} so I started to pay on the loan {$73.00} a month and have been paying every month it now XXXX and this amount it is now {$4400.00} how in the world does that work, so over the past from ( 9 ) years all that I paid in principal is {$1200.00}
Product: Credit reporting or other personal consumer reports

Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4. 
I have not supplied proof under the doctoring of the estoppel by silenceXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I presume that no proof of the alleged debt nor therefore any such debt in fact exists The XXXX XXXX bankruptcy needs to be deleted from my credit reports.
Product: Credit reporting or other personal consumer reports

I have contacted Trans Union in regards to having a social security number on my file that was not my number which has caused negative credit from credit cards When applying and lower credit due to this issue seem they have done this to others i contacted them said they will fix te issue in 5 days yet to call back to check if its fixed. Unacceptable that my credit score went down and credit lost due to this mistake. This should not happen if if so the matter should be fixed immediately and update credit report to great standing as this hindered my life.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and u fair practices. Cash App failed to provide a way for me make any complaints against all scammers. Whn Cash App did make a way for me to contact an agent my problem was never resolved and I feel as if my information have been compromised.
Product: Debt collection

XX/XX/XXXX received phone call from Portfolio recovery associates tel # XXXX spoke was asked to verify last 4 of SS #. I was told that they were calling to collect a balance on 2 separate accounts. the accounts were from the year XX/XX/XXXX. not only is the statute of limitation exceeded, these accounts were discharged in bankruptcy in XX/XX/XXXX ( 12 years ago ). I was passed around to 5 different people at this company who kept asking for verification of SS #. we do not owe any money to XXXX XXXX or XXXX XXXX as stated by the individuals at portfolio recover associates. they continually asked how we were going to make payment to resolve these accounts. I believe this company is in violation of the federal bankruptcy laws as well as NJ Law on collecting debts that are way beyond the statute of limitation. they are threatening to damage our credit rating by reporting these old debts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

XXXX XXXXXXXX Date OpenedXXXX XXXXXXXX  : {$1100.00}
Product: Credit reporting or other personal consumer reports

This is a complaint against XXXX XXXXEXPERIAN . My problem started when I purchased a house located at XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX. I never lived at this address, as soon as I bought it I put it up for rent starting in XX/XX/XXXX. I don't know at what point someone used my name to open accounts at different banking entities, they also opened accounts with XXXX XXXX without my consent. I contacted XXXX XXXX XXXX about this loan fraudulently and repeatedly called the XXXX XXXX fraud department/ but they did not give me any information about the account. They say they do not have any information because the account was closed and they gave me the phone number for the XXXX XXXX XXXX department. When I called that number l asked them if they had any type of document signed by me XXXX XXXX that confirmed my identity or if they could verify any information about my ID that I might have on my profile. I also asked what the name and address was on the ID. where the card was used or if they could confirm which bank the loan money was transferred to and the name of the bank account. They also stole my identity and underwent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please, these criminals took my identity and destroyed it in the banking institutions. My family and I worked very hard to get out. This horrible dream began when I bought an investment house. Please help me. 

XXXX XXXX is trying to link the credit account to my actual address. The address link to the fraudulent account is XXXX XXXX XXXX XXXX CA XXXX. I contacted XXXX XXXX in the past and they did not have any proof or document of a credit account opened with my real address XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX. 
I also contacted with XXXX XXXX and they also do not have any document or proof that it was me who opened a line of credit. They only had the record that l opened a bank account with them. They could not provide any proof of my identity to confirm that it was me who opened a credit card. 
I'm requesting these fraudulent accounts to be removed from my credit report. I'm attaching my apartment contract with my address since XXXX and my utility bill with the same address.
Product: Credit reporting or other personal consumer reports

Account Name : World Finance Corporation Account # XXXX To whom it may concern : I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged collection account is listed as having a PAST DUE BALANCE of $ {$5300.00}. The account is also listed as CO/ Charge Off but I have never received a 1099 cancellation of debt form, due to this the account is inaccurate and has to be removed. 
This is a violation of the FCRA and is in violation of requisite XXXX Compliant reporting standards. 
According to the Fair credit Reporting Act I have right to a completely accurate credit report, and you are required to remove any information that is not true, verifiable and accurate. 
Please IMMEDIATELY remove this account from my credit report and send me an updated report showing your compliance with all XXXX reporting standards and this account removed upon completion. 
I have also submitted court documentation that I as the petitioner Petitioner shall be held harmless on all of the debts set aside to Respondent in the original Judgment. This account is an ex spouses and should be permanently delete from my credit report. 
Sincerely, XXXX XXXX
Product: Mortgage

In XX/XX/2022 Carrington Mortgage took over my mortgage.

Never sent a certified or registered letter stating what was going on.

1. There were able to take payments over the phone. But unwilling to help me set up direct payments.

2. Instead sent me to a prerecorded message saying we're not able to help you right now. Due to overwhelming calls right now. Please call back later. No number to call back with.

I think 4 times I went through this. 
My son had stopped by just after I made XXXX payment an found there site for direct payments..I filled it out. An it said direct payments are now set up. 
3. They tried to say I never set up direct payments.

4. But though this site an the XXXX

They been unwilling to answer how I know the last question in the sign up site.

That being. Your payments will never go up. Unless your insurance or taxes go up.

How would I know this if I didn't sign up. 
5. They say they sent a home inspector to visit the house. 
But no one around me including me ever seen anyone here. 
Nor have they sent documents that show it happened.. 
I'm willing to pay all that I owe. 
But not willing to pay their interest fees or late fees or inspection fees. An I will not pay unless this is meant an no report to the

credit bureaus. 6. Even though they would take payments by phone they were unwilling to help me sign up for direct payments. 7 their no concern for elderly or the XXXX  veteran. I belie
ve they should be removed from handling any more va loans.

8 if this isn't settled by XXXX of XXXX. I will be asking courts to reimburse me for pain and suffering. Lost of sleep and XXXX XXXX. From worrying about this. 
An which I believe started my health problems. 
That being. Tested for XXXX the last 5 weeks now. 
9. 
On XX/XX/XXXX I will also refer this to the Minnesota attorney General office. 
Thank you XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexis Nexis shared information about me with XXXX  AFTER a security freeze was put on my file. I am an identity theft victim. Both Lexis Nexis and XXXX  report that I had a chapter XXXX bankruptcy discharged in XXXX. I deny that I had a bankruptcy discharge. Lexis Nexis agreed to stop reporting the alleged bankruptcy after I disputed it with them in XXXX of XXXX. I placed a security freeze on my Lexis Nexis report and Lexis Nexis confirmed placing the freeze on XX/XX/XXXX. I've attached a copy of the report to this complaint. I filed an XXXX  dispute to have the Bankruptcy removed. In correspondence dated XX/XX/XXXX from XXXX, XXXX  states that the Bankruptcy will remain on my credit report because Lexis Nexis confirmed that the Bankruptcy listing is accurate. Clearly, Lexis Nexis has released information about me to XXXX  AFTER it confirmed the security freeze had been put on my credit bureaus. 


I also attached a letter from US Bankruptcy Court which states that the court does not report information to the credit bureaus. Lexis Nexis could not have obtained info on the alleged bankruptcy from US Bankruptcy Court because the court does not report info to the credit bureaus.
Product: Credit card or prepaid card

I have 3 credit cards with Chase and in the past few months they have lowered my credit limit. I have been at the top of my limit but I have always paid on time and my household has been reduced to one income due to the pandemic and I have never missed a payment. By them lowering my income this effects my credit score. I think during unprecedented times like this big banks should not do this to families and I am curious about the demographic of people most effected by this policy they have in place. I tried to resolve by sending a complaint directly to Chase which they basically said they have a right to to do this because it's in the agreement. I could see if I were missing payments and not paying on time but I have paid on time and in some instances I paid more, they told me I actually penalized myself by doing that. If you are an agency interested in protecting consumers from these legalized loan sharks you should put measures in place to protect us. Because even with my high balances I'm sure if you add up what I have paid, not including interest, it probably exceeds what I actually owe them.

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello Dear CFPB Please assist me to block FRAUD IDENTITY THEFT XXXX XXXX XXXX XXXX I send to Experian special services Valid FTC identity theft report but they refused to block by telling me i had material benefits or other bogus reason. I spoke many supervisor and representatives and could not get this account blocked. I spoke with XXXX supervisor legion special service department. 

My Experian c Report Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with Fair Credit Reporting act XXXX XXXX XXXXXXXX Account # XXXX and 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 2 : It also states a consumer reporting Agency can not furnish an account without my written instructions. It also has another violation having late payments being reported on my account ... .15 USC 1681- ( 2 ) ( A ) ( I ). ( 2 ) EXLUSIONS ( A ) subject to section 1681s-3 of this title, Any ( I ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Which means it's a Violation of the FCRA to report " Late Payments '' as that is a transaction. In 15 U.S.C. 1681a definition ( a ) the term " Consumer '' means an individual and ( b ) term " person '' means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. I have been violated by the credit bureaus and this is hurt my credit and this causing me to be denied credit. And I want these accounts removed immediately!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

i ask can they please send me original contract with my signature to verify debt instead they are making up paperwork to send me to validate debt also i am a victim of Equifax data breach 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 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 1681c. ( a ) ( 5 ) Section States : 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 seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

They are in violation of 15 USC 1681 section 602A which states I have the right to privacy!! also in violation 15 U.S. Code 1681 i7 show steps how proof was obtain They are also in violation 15 USC 1681 section 604A section 2 also states that a consumer reporting agency can not furnish an account without any written authorization!!

15 U.S. Code 1611- Criminal liability for willful and knowing violation
Product: Credit card or prepaid card

I have been making payments on time to Synchrony bank for all three cards I hold through them, Care Credit, XXXX XXXX and Guitar Center. I make them every month with the only late instance due to their website not processing an automatic payment I set up on one occassion. My fiance and I have stayed gainfully employed through the pandemic, never missed a payment during it, never were struggling to make one and never asked for any sort of forbearance, forgiveness or other help to make the payments during this time. 

Once the pandemic hit and places were shutting down, they " initiated a periodic review '' of my credit report and cut my limits on my XXXX XXXX and Guitar Center credit cards due to " other accounts with other institutions showing over their limits. '' Those accounts were in no way related to Synchrony Bank and only were briefly over their limits due to interest fees and payments not being processed yet because their due dates had not come up yet. 

This reduction of available credit and change to my credit balance to limit ratios has negatively impacted my credit limit for no reason other than them trying to protect themselves due to the pandemic with blanket actions rather than independently reviewing situations.
Product: Debt collection

On XX/XX/XXXX Seturus responded to my Consumer Finance Protection Bureau # XXXX that they purchased they account in a XXXX XXXX XXXX status and did not produce any statements. However the information they have reported to XXXX  and XXXX is not reflective of this. Seturus has failed to remove this account from my credit reports as they have claimed to many errors in their record keeping and it is not 100 % accurate. According to the FCRA all information must be 100 % accurate, complete and verifiable yet Seturus continues to show there records are not complete. I have disputed this account multiple times and Seturus continues to verify false information on payments and account status concerning this account with XXXX and XXXX. 


I have reported this to Seturus over 6 times through this government agency which shows that their record keeping is not in good standing and not accurately kept. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX This is very unfair and should not be allowed.