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

Company stated they corrected information but never did. Never sent a updated copy of my report. The would take off something and reinsert immediately afterwards with a totally different address that's not valid
Product: Debt collection

IM UNAWARE OF THIS ALLEGED DEBT I DIDBT RECEIVE CERTIFIED NOTICE
Product: Mortgage

In late XX/XX/2022 I contacted US Bank to remove PMI from my primary residence. Having a conventional loan I knew that this would require me to pay for an appraisal and require adequate XXXX. After initiating the process the bank sent paperwork to be signed and mailed back which was completed in XXXXXXXX XXXX. Not hearing anything for weeks I contact the bank and asked where we were at in the process. The agent confirmed the packet was received and someone from the PMI department would reach out. I asked for a direct phone number as to not delay the process and the rep stated they do not take incoming calls. We waited another several weeks and still heard nothing so I decided to contact the mortgage customer service once again. I immediately asked for a manager ( XXXX ) to ensure I was getting correct information. This truly was the worst interaction I have had with a financial institution. XXXX was abrasive, talked over me, and had no knowledge of the process as he stated he could not locate the complete PMI removal packet which was confirmed several weeks earlier to be received. Not being able to locate the paperwork XXXX initiated the PMI removal packet to be sent again. I filed a formal complaint with XXXX and the correspondence received via snail mail was that they did not receive the payment needed for the appraisal which is not clearly outlined in the packet. In the packet it stated that you will be contacted by the vendor to schedule the appraisal and to collect the payment. ( screenshot attached ) on Friday XX/XX/XXXX XXXX Bank was contacted the PMI fee has been paid.
Product: Credit reporting 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. 

Account Name : XXXX XXXX  Bankruptcy Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 

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, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since XXXX a stickler for research, I found that under section XXXX of the FCRA you are required by law to remove & block any items or information which is found to be opened due to identity theft. The dispute items do not belong to me. XXXX attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these items. [ accounts/items ] XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$10000.00} XXXX XXXX XXXX XXXX XXXX {$7400.00} XXXX XXXX XXXX XXXX XXXX {$1700.00} Chapter XXXX XXXX XXXX XXXX XXXXXXXX Date XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$25000.00} CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In reviewing my recent credit report, XXXX XXXX XXXX is reporting {$5900.00} balance owed with XXXX XXXX  that is not my account. Reached out to XXXX XXXX  and the company is no longer in business. Notified the credit bureaus and creditor to notify them that the account not my account and need to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX i submitted XXXX complaints to CFPB in response to numerous attempts of disputing unauthorized inquiries on my credit reports from XXXX XXXX and Global Lending dated XX/XX/XXXX. Both companies have failed to provide me with proofs showing that I authorized this inquiry. I had requested from the credit bureaus as well as the creditors documents showing that my signature, ssn and identification is verified on these unauthorized inquiries and either has failed to provide. In response to the complaint that was submitted in XXXX, Global lending responded that the inquiry will be removed from all credit bureaus within 15days well it has been months and the inquiry still remains on my credit report.
Product: Credit card or prepaid card

I have a CHIME account..I put XXXX on the card..they will not let me access account..I have called..I sent documentation requested and now feel my information has been compromised.. 

Since I have lost my money due to..According to them..I am not who I said I am..I have been me for several decades..
Product: Debt collection

XX/XX/2016 I have been receiving several call a day from a debt collection agency by the name of Midland Credit Management. The first call was answered by my step-father. This company claimed to be working with XXXX XXXX and that I had an account in collections in excess of XXXX USD. According to my step-father, the representative attempted to solicit the amount from him. My step-father, not trusting this caller stated, " I do n't have any money to give to you. '' which was then met with a reply that for an amount of XXXX USD they would pull the account out of collections. After a second refusal the call was ended. Several calls later, I personally answered and the same information was repeated that they work with XXXX XXXX and that I had a debt to pay. I notified them several times that this is false information and that I would be contacting XXXX XXXX. After calling XXXX XXXX 's fraud department I was told by their representative that midland is not associated with them. This did not seem to dissuade Midland as several more calls followed. The final call being today, XXXX XXXX, 2016. Again After several attempts to notify this company that this account does not belong to me and that if these phone calls continue, legal recourse would be taken, I was told that I would be taken off of their call list. If a company can not keep accurate records of their debts and attempts several times to collect debts from persons unrelated to these accounts, There should be some sort recourse.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I looked at my XXXX, Equifax XXXX XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 card

I have consistently made on-time payments for these accounts, and I kindly request that you update my records accordingly. It's frustrating because I've always paid on time, which makes this situation seem unreasonable.
Product: Credit reporting 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. 

Account Name : XXXX XXXX XXXX : Account Number:XXXX Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX : Account NumberXXXXXXXX  Account Name XXXX XXXX XXXX XXXXXXXX : Account XXXX Account Name XXXX XXXX XXXX Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX : Account NumberXXXX Account Name : XXXX  : Account Number:XXXX Account Name : XXXXXXXX XXXX XXXX XXXX : Account XXXX 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: Vehicle loan or lease

OK on XX/XX/XXXX, I did an E sign I did not get vehicle until XX/XX/XXXX XXXX from XXXX XXXX XXXX XXXX in XXXX in funded from the credit acceptance corp its a nightmare situation. They have taken advantage of me and knowingly I feel extortion is the correct word I was told I have gap then service contract its still on contract then last thing I sign is paper stating my funding was capped I dont get those ok fine well they wont make my payment reflect the correct amount of XXXX instead of XXXX they took off service contract verbally but contract and amount are same at 24 % interest also snuck paper saying I owe XXXX more in 30 days after XXXX down payment they wont let me out of nightmare it states if contract is changed or edited then its void I would like to save my future from this get my money back and lets move on there a terrible company I found out
Product: Debt collection

Unknown, and no verification provided, I am also XXXX not XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I sent a certified letter to Equifax disputing inaccurate reporting of three accounts ( XXXX Bank XXXX and XXXX XXXX ). The numbers reported are only partial account numbers and there is no legal way to verify or prove these accounts belong to me. They have failed to provide a resolution within the 30 days as stated in the FCRA. I demand that the negative, erroneous items be removed from my credit report immediately. This hurt me from getting a car loan. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested the credit bureaus ( Experian, XXXX and XXXX ) to do a verification of everything on my credit report. They did so and stated that all information was accurate. I then did a thorough research myself and discovered quite a few improper inaccuracies on my credit report, even after the credit bureau 's completed their investigation. 

I have been disputing with XXXX, XXXX, and Experian about the negative accounts on my report. Some are not mine, some are reporting wrong or without creditor information, and some are refreshing to try to stay on my report. There are also incorrect addresses listed that I have tried to get fixed, unsuccessfully. I mailed my first letter in XXXX letting the bureaus know that I have done my research and that I know the law. Even with Covid-19 the bureaus still have 30 days to respond to my free disputes. I know there might be a delay and I even tried to give them the benefit of the doubt for that. The following accounts are still reporting incorrectly on my report : XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX even sent my letters certified because I needed to know if they were getting my letters in the first place. These are the most recent tracking numbers from XXXX ( XXXX : XXXX, Experian : XXXX, XXXX : XXXX ). I also sent each credit bureaua police report and a copy of both my drivers licence and social securitycard, each with my signature. It has been months without receiving a response. This is unacceptable. This is my life that Experian, XXXX, and XXXX are disregarding. Each credit bureau has also been involved in a data breach which I have also been impacted by. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX, Account # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX, Account # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX Bank, Account # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting 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 604 A Section 2 : It also states a consumer reporting company can not furnish an account my without my instructions or consent.
Product: Debt collection

The company called me threatened to have me put in jail and I would have to attend classes if I did not pay full amount. Told me I committed fraud and had to pay full amount or they will send me to my county court. Contacted friends and relatives and revealed personal information to them regarding my debt. Threatened to take my references to jail as well
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I went to the XXXX dealership to apply for a car loan, the sales associate informed me that my credit would only be pulled by XXXXXXXX XXXX XXXX XXXX Largo automotive group, XXXX XXXX XXXX XXXX XXXX XXXX are the institutions that pulled my credit without my verbal or written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, Navy Federal Credit Union pulled my Credit without my knowledge of it going against my credit as an affect against my score. I didnt know opening a account would affect my credit
Product: Payday loan, title loan, personal loan, or advance loan

I signed up for work to be done through a company called XXXX. They are based out of XXXX, Indiana. The work was crawl space repair. They then set us up with an unsecured loan through GreenSky. A down payment of roughly XXXX was taken from the loan to pay XXXX for work to be done. The problem with this is, the loan has now been open for a month and a half and no work has been done. No communication from XXXX has been received. So now I have a deferred interest loan building for work that is not being done.
Product: Checking or savings account

Navy federal closed my account after someone at their company reversed payments and then it was taken out of my account
Product: Debt collection

I originally contacted XXXX XXXX XXXX XXXX for services ( XXXX Tx ) for legal services ( protection order/divorce ) XX/XX/2021. 

Upon agreement of services I was put on a payment plan to be considered eligible for services to begin on my behalf. After second payment, I contacted them letting them know i was no longer interested in services. Due to new transitions and move to new state ( new mexico ) in order to remain protected from my abuser currently residing in XXXX XXXX XXXX, Tx. ) XXXX XXXX XXXX XXXX continued to charge my card for services, causing me to end up in overdraft status and eventually bank account closure with Frost Bank. 

Frost Bank has been trying to contact XXXX XXXX XXXX in reverence to my dispute claims against continuation of unlawful charges against my request. 

Pending dispute is still pending ( over 90 days ) due to non response of XXXX XXXX, XXXX XXXX. I am now required to put my account in a payment plan status so that it wont end up in collections, and affect my credit. 

XXXX XXXX XXXX XXXX Frost Bank XXXX My number XXXX
Product: Mortgage

SPS is  claiming they have responded on   XX/XX/17  to the CFPB c omplaint we file d on  XX/XX/17 . (  yes they are claiming they responded the same day. i have never seen a lender respond to a CFPB complaint the same day it was filed. ) Neither we, nor the seller, nor the CFPB has received a response from SPS. We spo ke to SPS prior  to today they state they must receive a complete short sale package within 30 days of the foreclosure date. And now all of the sudden, today, we have been told they have new guidelines stating they must receive the complete short sale package at least 60 days prior to the foreclosure date. They are claiming this is an investor guideline and it has always been this way. ( I find it funny that SPS can not even keep track of the LIES they tell fro m one ph one call to the next. ) We have just spoken with  XXXX , the investor, and they have stated this is not true. In addition, we have closed more th an 2400 short sale SEVERAL HUNDRED of th em with  XXXX , and the guidelines have never been 60 days. Wh y is SPS makin g up guidelines? Is this because the seller is  XXXX ?
Product: Debt collection

On Friday XX/XX/year>, there was a summons, lying on the ground at my front door. I wasn't properly serverd, according to the California code of Civil procedures XXXX the law states that the server should leave it with someone at least 18 years of age. This summons was not personally handed to me. Its was left in the ground.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never gave legal consent to Credit Plus to run my credit and their for causing an inquiry and a negative impact on my credit report and my fico score.
Product: Money transfer, virtual currency, or money service

I am filling 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 seek appropriate redress for these violations.
Product: Debt collection

The debt of {$100.00} was paid in full to the dentist that issued the collection. Once I saw that it was a {$0.00} balance reporting on my credit report, the collection agency said if I would 've paid it with them, I could 've had it deleted from my credit report, but since I paid it in full with the medical company, I could n't remove it. I contacted the dentist and they said that their policy is once paid, it will be deleted. The debt was paid and has a {$0.00} balance and I would like it removed from my credit report. Once I contacted the dentist they confirmed that it should be removed and they would be calling the collection agency as well.
Product: Debt collection

In my last communication with TRANSUNION, they responded that they verified that the accounts that I disputed were accurate. I would like to know what method of investigation was used to verify these accounts and inquiries. 

According to 15 USC 1681b any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Was a court order issued or was my written permission given? This is defamation of character and aggravated identity theft. I have attached dispute letters with the accounts, inquiries and late payments that I want removed and updated along with an ID Theft Report and an affidavit of truth. My next step will be a civil suit.
Product: Checking or savings account

I am filing a formal complaint against Navy Federal Credit Union regarding multiple overdraft fees that were unfairly charged to my account. Despite having sufficient funds at the time my transactions were authorized, I was penalized due to delayed posting of charges and credits. This practice mirrors recent findings by the Consumer Financial Protection Bureau ( CFPB ), which exposed similar instances where transactions were settled with insufficient balances despite initially available funds. 

I believe these practices are deceptive and place an undue financial burden on account holders. I respectfully request a thorough investigation into my account transactions and a review of these unjust fees.
Product: Money transfer, virtual currency, or money service

Dear Sir, I had place a online bank to bank transfer for {$10000.00} from my Huntington bank account to XXXXXXXX XXXX account. I received an email from Huntington bank stating the online transfer was cancelled and the funds would be returned back to my account. 

Its been more than one and a half month and I have not received {$10000.00}. 

Thanks XXXX XXXX
Product: Checking or savings account

I opened an account with the bank on XX/XX/XXXX while a promotion was running to start up a checking account with them to receive {$220.00}. The promotion ended XX/XX/XXXX but I met all of the qualifying activities ( direct deposit needed to be set up to waive fees, promo code was submitted to bank, I created the account with them in person ) prior to that date and the terms stated that the promotion would be distributed within XXXX days of meeting the qualifying actions, not the end of the promotion. It has been nearly XXXX days. I have called the bank numerous times. I have had many email exchanges and nothing has resulted from it. I just continue to be told they are working on it. I have no proof that they are. This is false advertising and they breached their own contract by not acknowledging it. Customer service is terrible.