23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I refinanced my mortgage that was being serviced by New Rez ( Shell Point Mortgage ). 
The wire for the payoff was sent on XX/XX/2020 from XXXX XXXX XXXX to New Rez. 

I have made numerous phone calls to New Rez, while waiting on hold upwards for an 1 1/2 hours. At that point I took the call back option, in which I never received a call back. 

I called again and spoke to customer service, in which I gave the Transaction Ref. No. and Federal Reference No. She stated, that the wire was never received and she would have a supervisor contact me within 48 hours, which never happened. I have called 5 times in total. I sent 2 emails with the wire information and never received a response. 

XXXX XXXX has also been calling New Rez and not making any progress. XXXX XXXX said the wire was never returned. 

New Rez has now charged me a late fee and continues to ignore any form of contact.
Product: Credit reporting or other personal consumer reports

I am disputing the reporting of a XXXX XXXX XXXX on my credit report. The details of the bankruptcy are as follows : Date Filed : XXXX Court Name : U.S. Bankruptcy Court Reference Number : XXXX Type : XXXX XXXX XXXX Status : XXXX I understand that a bankruptcy is part of my financial history, but I believe the reporting may be negatively impacting my credit score in an inaccurate manner. I am seeking clarification on how the bankruptcy is being reflected in my credit report and its impact on my credit score.

Additionally, I am requesting that the bankruptcy be accurately reflected as discharged, indicating that the debt was discharged, and I have completed the bankruptcy process.
Product: Credit reporting or other personal consumer reports

I have an unauthorized inquiry from XXXXXXXX XXXX on XXXX. Ive already sent in a dispute about this unauthorized inquiry and Transunion have not removed this unverified unauthorized inquiry from my consumer report. Under the FCRA specifically 15 U.S Code 1681 ( n ) I am entitled to protection against any unauthorized use of my personal information including inquiries into my credit report with out my explicit permission. XXXXXXXX XXXX have no permissible purpose by law to contact third parties with my private or personal information. This offense amounts to aggravated identity theft persuant to 18 U.S.C 1028A. I have not initiated any transaction with XXXXXXXX XXXX furthermore i do not have an account as defined under 15 U.S.C 1693a ( 2 ) with XXXX XXXX for review or collection. This needs to be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, XX/XX/XXXX, I XXXX XXXX XXXX, placed in the mail a dispute letter addressed to Equifax Information Services XXXX LLC. According to the XXXX XXXX XXXX XXXX because of the proximity of where the my address is and the addressee, the average delivery times was 5-7 business days, meaning the letter should've arrived between XXXX XXXX XXXX. Today is XX/XX/XXXX and I haven't received a status on this investigation.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution 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 seel appropriate redress for these violations.
Product: Debt collection

I do not have a contract nor did I authorize this company to obtain my information, my rights to privacy was violated under the FDCPA & FCRA. 


15 USC Code & 1692c Law States : If a consumer notifies a debt collector that the consumer refuses to pay a debt, the debt collector must cease all communication.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 's installment Account Number XXXX Amount Due {$1800.00} Due Date XX/XX/2015 I 've paid  and settled this account over a month ago. 
I was told that i would receive a letter stating that the account is paid and settled with a XXXX balance. 
I have not received the letter and my credit is still not updated. 
I am in the process of buying a home and this is the last condition in order for me to close on my loan. I have XXXX children and we are all living in a hotel room until XXXX 's update my credit report or send the letter so I can provide that to my lender for a XXXX XXXX. 
I 've also disputed this account, after the account was settled XXXX 's still reported that I owed $ 1,800+ on this account a few days ago. The dispute was closed and nothing was updated. I have called XXXX 's more than 4 times a week for the last 6 weeks with no resolution.
Product: Mortgage

XXXX XXXX and XXXX XXXX XXXX XXXX, can not just make an assertion of compliance, but also have provided mandated proof according to the law> Subject : Mandatory Dismissal of XXXX  XXXX for XXXX with XXXX XXXX Notice Requirements I, XXXX XXXX, demand the immediate dismissal of the XXXX XXXX against my property located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, due to the plaintiff 's failure to demonstrate strict compliance with the XXXXday notice requirement as mandated by XXXX XXXX. Legal precedent firmly establishes that " [ P ] XXXX XXXX of XXXX XXXX notice on the borrower or borrowers is a condition precedent to the commencement of a XXXX XXXX, and the plaintiff has the burden of establishing satisfaction of this condition '' ( XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX XXXX, XXXX [ XXXX ], quoting XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX [ XXXX ] ). 

The statutory requirement that such notice must be sent by registered or certified mail, and also by first-class mail, to the last known address of the borrower, provides a clear means for the plaintiff to demonstrate compliance. This can be achieved through proof of the actual mailings, such as domestic return receipts with attendant signatures, or evidence of a standard office mailing procedure designed to ensure proper addressing and mailing, sworn to by someone with personal knowledge of the procedure. 

The failure of XXXX XXXX and its legal representatives to provide such evidence in the XXXX XXXX against my property highlights a significant procedural deficiency that undermines the validity of the XXXX proceedings. The absence of documented proof of compliance with XXXX XXXX 's notice requirements is not a minor oversight but a substantive failure that necessitates the dismissal of the XXXX XXXX. 

Given the clear legal precedent and the statutory requirements outlined in XXXX XXXX, I expect the immediate cancellation of the XXXX XXXX  sale scheduled for XX/XX/XXXX, and a formal dismissal of the XXXX XXXX. This request is made in the interest of upholding the integrity of the legal process and protecting the rights afforded to me the Consumer homeowner under New York law. 

The seriousness of this matter can not be overstated, and I strongly request CFPB prompt attention to this matter. XXXX XXXX and their attorneys failure to comply not only disregards established legal standards but also perpetuates a grave injustice against my rights as a consumer homeowner. 

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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of accounts that do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX {$1600.00} XXXX XXXXXXXX XXXX Balance {$1700.00} XXXX XXXX XXXX XXXX XXXX Balance {$780.00} XXXXXXXX XXXX XXXX Balance {$3000.00} XXXX XXXX XXXX Balance - XXXX XXXX XXXX Balance {$4400.00} XXXX XXXXXXXX XXXX XXXX XXXX : {$4200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
U S DEPT OF ED/XXXX XXXX XXXX : {$6200.00} - tied up DEPTEDXXXX XXXX Balance : {$0.00} - tied up
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent INQUIRIES in my report and TRANSUNION has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, please help me immediately delete these INQUIRIES. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Money transfer, virtual currency, or money service

Background : Before setting up our PayPal account, we provided all required documentation. For an extended period, our account functioned without any issues, complaints, or refunds. 
In midXXXX 2024, we received a notification that our account had been restricted, requiring additional business licensing documents. While we believe this was already submitted, we promptly resubmitted all requested materials, understanding compliance reviews might be periodic. 
Issues : 1. Extended Review Period : PayPal assured us the review process would take five ( 5 ) business days. Over a month later, our funds remain frozen without resolution or meaningful updates. 
2. Unjust Fees : Despite holding our funds, PayPal continues to deduct fees from transactions. These fees are taken without providing access to the associated funds, which we consider unethical and potentially unlawful.

3. Lack of Communication : We have not received adequate or timely updates regarding the status of our account review or the release of our funds. This lack of transparency has left us in uncertainty and disrupted our business. 
Request : We respectfully request the Consumer Financial and Protection Bureau to intervene and urge PayPal to : Immediately release the funds held in our account. 
Cease deducting fees from transactions while funds are on hold. 
Provide a clear and timely resolution to this matter, along with an explanation of the delays and lack of communication.

PayPals actions are detrimental to our business and raise serious ethical concerns. Holding funds at their discretion without justification or recourse feels akin to a criminal enterprise. This behavior is unacceptable and must be addressed promptly. 
Thank you for your attention to this matter. We look forward to your assistance in ensuring a fair and expedient resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

Called Chase Auto on XXXX XX/XX/2022 in regards to them reporting a late payment on my credit report when in fact all of my payments have been on time. Customer service rep stated that there were two payments entered for XXXX, via 2 money orders and I was 36 days late on my XXXX payment. Customer service rep also stated that my XXXX payment was reversed. That is not true I have attached my XXXX  account information to show payment was sent on XX/XX/XXXX to Chase auto. And received. I also have added my statements to show there wasn't a reverse payment or money credited back to my account as there is never a reason why this would be happening. I have screenshotted all the evidence and payments. 

My credit has taken a hit due to this malfunction on chases side and it has affected my payment history. dropping my credit XXXX points on XXXX so far. 

I have recorded calls with customer service for todays call as well as last months call. I let them know that I was recording the call myself and will provide the evidence as needed
Product: Credit reporting, credit repair services, or other personal consumer reports

Please have accounts blocked and removed, These accounts are a results of identity theft.
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 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 XXXXXXXX, 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 which I have not furnished.
Product: Credit reporting or other personal consumer reports

RECENTLY RECIEVED A COPY OF MY CREDIT REPORT, AND I NOTICE THAT I HAVE XXXX ACCOUNTS ON MY REPORT. PLEASE REMOVE THESE ACCOUNTS FROM MY REPORT, THEY ARE HURTING MY ABILITY TO OBTAIN CREDIT.
Product: Credit reporting or other personal consumer reports

there are three companies on my credit report that completed hard inquiries which I did not authorize.
Product: Debt collection

I received a letter from XXXX XXXX in XXXX, Ohio saying I owed XXXX XXXX XXXX XXXX. 
I do have XXXX as my electric provider and am usually a little behind on my bill but it is always paid, never disconnected and I pay first energy directly. In addition, the amount of XXXX makes no sense.
Product: Credit reporting, credit repair services, or other personal consumer reports

Went online to unfreeze my report and filled out all the information correctly and it keeps saying I have missing information and does nothing. 

Experian https : //www.experian.com/ncaconline/removefreeze I have had this problem before and the other agencies have corrected this and I unfroze them easily today. 

There is something wrong with their site and they still have not corrected it. 

They purposely make it difficult so you purchase their products.
Product: Credit card or prepaid card

On XX/XX/19 I loaded $XXXX onto a Vanilla Visa prepaid card at a XXXX XXXX in XXXX XXXX in XXXX XXXX XXXX. I was given an Electronic Card Activation receipt and told the card was loaded with the $XXXX and was activated and ready for use. Shortly thereafter, I attempted to go to Vanilla Visa's website to check the card balance and received an "Invalid Card Number" error. I tried again a few times and kept receiving the error. I called the customer service # listed on the back of the card and a representative told me that the card was blocked and had already had a "case opened" on it. After arguing with the representative that I just purchased the card and didn't open a case, I hung up the phone and went back into XXXX XXXX. The manager handed me a print out verifying the transaction with the vendor (Vanilla) and that they had received the $XXXX.I called Vanilla's customer service again and after a long time on the phone, was told by the representative that I would need to email in documentation including my identification, the receipt for the card purchase, and the front and back of the actual card. I was given an email address to send it to and a case number of XXXX  to reference. I immediately sent in all of the requested documentation. After the documentation was reviewed, I received an email from Vanilla telling me they'd need to mail a new card to me but the address on my ID didn't pass their "address verification" even though that address is verifiable, is on my ID, and numerous other documents. They asked me to either call in to verify my address, or to send proof of address. I called in and was told that the only way I could verify my address was to send in a document verifying my address with my personal name on it. Given that most everything I have is in my personal XXXX name as far as utility-type bills (i.e., cell phone, bank statements, etc.), I sent in a copy of my insurance card which clearly displays my name and address.After 4 days (XX/XX/19), I emailed them again to follow up and asked what the status of mailing the new card was. I received no response. I waited another 2 days and asked, once again, for an update and have received no response. In my final email (XX/XX/19) to them I told them that I would file a complaint with the CFPB if I did not hear back from them and have a resolution to the matter by the end of the business day. I received no response.These people took $XXXX of my hard earned money on the night of XXXX XXXX and have since gone unresponsive and have refused to return my money to me. I would like my money back and to have a record of my complaint made public for others to see if this happens to them. There is some sort of fraud being committed here because the card was blocked after I loaded the cash, but before I could use it, and I verified my purchase and provided all requested documents, and they still have not returned my money to me, and its been 2 weeks.
Product: Vehicle loan or lease

This company sold my information to an unknown company that harassed me for money, also according to 15usc 1692c ( c ), 1692c ( b ) Ceasing communicationIf a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such deb, which, subject to certain narrow exceptions, prohibits debt collectors from communicating with third parties in connection with the collection of any debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name CHAPTERXXXX BANKRUPTCY DISCHARGED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding discrepancies in the credit reporting of my account, XXXX, with account number XXXX. The reporting of this account violates the Fair Credit Reporting Act ( FCRA ), as the information is inconsistent and inaccurate across multiple credit reports.

Under 15 U.S.C. 1681i ( a ) ( 1 ), credit reporting agencies are required to investigate and verify any disputed information within 30 days of receiving a consumers request. Despite my efforts to dispute the negative information related to this account, the account has not been properly verified or corrected, in violation of the FCRAs standards for accuracy.

Specifically, the balance discrepancies and late payment history reported are inaccurate & inconsistent across all 3 major credit reporting bureaus, XXXX, Equifax XXXX XXXX. Given that these discrepancies are substantial and the account has not been properly verified, I respectfully request that the entire account be deleted from my credit reports in accordance with 15 U.S.C. 1681e ( b ), which mandates that credit reporting agencies ensure maximum possible accuracy in the information they report.

Thank you for your attention to this matter. I look forward to your prompt resolution of my complaint.
Product: Credit reporting or other personal consumer reports

I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.
Product: Credit reporting or other personal consumer reports

I urge you to promptly remove this late payment from my account, as it does not accurately reflect my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Please update my account promptly.