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

Experian has a few accounts on my report that are incorrect that I have tried to have corrected because of several data breaches I have letters for and won't remove the information. 
XXXX 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 XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am asking for your help regarding an incorrect account being listed on my credit report, which has affected my reputation as a customer. These accounts should be removed, as they have been reported inaccurately and negatively.
Product: Checking or savings account

Venmo decided to close my account on me refuses to tell me what terms and conditions I violated then told me they would hold my money for $ 180 days before I could have my funds released to me. It has now been over 180 days I have had no contact from the company I have no access to my money still and they are not answering me they have refused to give me any kind of reasoning other than violation of terms and conditions and that it's in the terms and conditions they can hold my money for 180 days again it has been over 180 days I know this for a fact My account was closed in XXXX of XX/XX/2024
Product: Credit reporting or other personal consumer reports

I am requesting your help to resolve the incorrect account reported on my credit report. This issue has caused damage to my reputation, and I need your support. Due to your errors in managing my credit report, my reputation has been severely impacted. Please remove these inaccuracies so I can move forward with my life and my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed.. XXXX XXXX ( Original Creditor : 12 XXXX ) XXXX, XXXX  ( Original Creditor : 11 XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
1. XXXX XXXX XXXX with ACCT # XXXX XXXX opened on XX/XX/XXXX with a credit limit of {$0.00} -This is not my account.
Product: Credit card

American Express has reduced the number of days before payment is due in full. They went from essentially an end of the month ( last day of the month ) to a 25 day payment period from closing date. As an example, if your closing date was on XX/XX/XXXX, payment would be due in full on XX/XX/XXXX. This is a change that only benefits American express and not their customers and is a way to increase late fees and other charges. American Express knows that most people get paid on the last day of the month and that is how they budget their credit card payments. Now by moving it up, they know individuals will incur late fees as they will not be able to pay the balance until they are paid from their employer. This type of change is just a farce and unethical in my opinion.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report, and I'm writing under the Fair Credit Reporting Act because I want my credit report to be 100 % accurate and complete. I do not want any incorrect or misleading information in my report. Please update all personnel information. My name is : XXXX XXXX XXXX, My Social Security Number is : XXXX, The Only Correct Address is : XXXXXXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX, Please remove old numbers and address! 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: Checking or savings account

I'm a depositing customer with Bank Of America and they have treated me very unfairly with regard to a check that I received from my car accident and was deposited into my checking account XX/XX/19 and placed on hold until XX/XX/19 The total amount of the check was {$12000.00} and I was told that they would release {$4800.00} on XX/XX/19 and {$7800.00} on XX/XX/19 I went into the bank on XX/XX/19 and was told by the branch manager that the check was still in the verification process even though my bank slip said partial funds in the amount of {$4800.00} would be available. So I waited until XX/XX/19 to retrieve the entire amount that should be available XX/XX/19 and still they wouldn't let me get any of my money. 
I feel like I'm being discriminated against because I'm young and XXXX American I feel hopeless and nobody seems to care at the bank. 

The check was a Trust Fund check from a large legal firm and was verified by the Branch Manager via direct phone call and the attorney told the Branch Manager that it's Millions of Dollars in the account and they still wont release any of my money. 

Best Regards
Product: Checking or savings account

I filed dispute charges with sofi bank 130 days ago. I keep getting hung up on and getting no answers from them by email they told me this would take 90 days and noone seems to do their job here
Product: Credit card

Refer to the attached documents. I request the bureau to initiate an investigation into these accounts, as I am never late, but they are erroneously reporting me as such.
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 ( XXXX ). 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: Credit reporting or other personal consumer reports

As requested or not to fully update previous dispute with information on all the disputes listed : According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX, Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

I recently reviewed again my TransUnion credit report and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. This is a violation of 15 USC 1681n for reporting false information and without a permissible purposes.
Product: Credit card or prepaid card

Im XX/XX/XXXX I have a payment of XXXX I forget the exact amount I had auto pay on and it must of not came out my account it is showing as it being a late payment this was totally out of my control
Product: Credit reporting

XX/XX/XXXX i traded cars at parks XXXX of XXXX nc located XXXX XXXX XXXX.i tried again XX/XX/XXXX and told them to only run mycredit with XXXX XXXX and no one else.i late checked my credit reports andfound that they had ran my credit a numerous other places and brought myscore down approximately XXXX points.i called them and asked them to removethe unauthorized inquiries and was told they could n't do that and the creditbureaus would not.i would like them to remove ALL of their unauthorizedinquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

This dispute is in reference to inaccurate reporting of a late payment on a closed auto loan with XXXX XXXX  on my credit report. 

I purchased a vehicle with XXXX XXXX XXXX on XX/XX/XXXX and traded in a XXXX XXXX XXXX VIN : XXXX. There were several issues on the dealerships part with funding the new vehicle therefore, the final auto loan payoff to XXXX XXXX  was not submitted in a timely manner by the dealership. 

This in no way was my fault and prior to this incident I had never had a late payment on this loan. XXXX XXXX XXXX takes responsibility for paying off the XXXX XXXX XXXX late. ( See attached letter ) XXXX XXXX XXXX in a letter to XXXX XXXX sent on XX/XX/XXXX detailed this issue and asked for any derogatory credit to be removed in reference the paid off an auto loan with XXXX XXXX. 

If you have any further questions regarding this matter you may contact XXXX XXXX XXXX at XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

So I sent out a letter to the three major credit bureaus about 3 months ago and didnt hear back from them. I decided to submit a complaint with the CFPB and only one credit bureau decided to actually fix the incorrect reporting while it seems the other bureaus do not care about the law or they think they are above it. I dont understand how one bureau can delete everything, one bureau delete some and the other delete nothing at all. Im confused at how this can continue to distrubt my life.
Product: Mortgage

Nationstar dba/Mr. Cooper acquired our mortgage in XXXX from the originator. We have made timely payments in full and yet Cooper claims we are in arrears. We have spent hours on the phone with Cooper giving them proof of payment. Just today we got a letter saying we are in default. This is utterly unacceptable. We insist that Cooper find all of the payments we have made, credit them fully, refund all late fees, and cease any default actions. 

We closed on a house XX/XX/XXXX, using a local mortgage originator in XXXX XXXX, NC. The closing included payment for XXXX, XXXX. Using the voucher provided by the originator, we made the XXXX payment of by check. We have the cancelled check, and the originator has confirmed that the XXXX payment was transferred to Cooper with the rest of the loan documentation. 

We have since made two other payments by direct transfer from our bank. We have confirmations that those payments went through. They should be for XXXX and XXXX -- or at least XXXX and XXXX. In any case we are current. 

Cooper keeps making robo-calls and mailing notices that we are " in default '' and " delinquent. '' It is outrageous that this company treats diligent and responsible clients so badly. It is not our responsibility to find Cooper 's money when it buys a loan. Their sloppiness is their problem. 

Please order Cooper to cease and desist all default and delinquency proceedings, to find and credit all of our payments, to credit back all late fees and charges, and to confirm in writing we are -- and always have been -- current with payments.
Product: Checking or savings account

My bank account woth welfargo was closed they had charged me with well over XXXX in return check charges and overdraft fees when the transactions were already cleared out of pending they would put them back in pending and move the transactions around to delay the processing so if I was XXXX penny sort it shouldn't of allowed the debit to go there instead they allowed it and charged me thousands of dollars I even went and took photos once I realized when was going on and I complained with them but they said no im wrong.
Product: Credit reporting or other personal consumer reports

THIS IS NOT A REQUEST FOR DEBT VALIDATION!! 
In accordance to the FCRA this account XXXX XXXX Has violated my rights This account is being reported as a chargeoff. 

A Charge off is cancelled debt filed on the furnisher tax return and classified as ordinary income and income can not be reported on a consumer credit report as debt. Its inaccurate and violates 15 usc 1681eb max accuracy stating 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. 

It also violates 15 USC 1681s-2a1a reporting information with actual knowledge of errors It is also harm due to trespass against my rights, Interrupting the flow of commerce, and a Violation against my unalienable right to the pursuit of happiness since it has prevented me from improving my circumstances by being a homeowner Again this is NOT A DEBT VALIDATION OR VERIFICATION REQUEST!!!!
Product: Mortgage

Loan # XXXX XXXX XXXXProperty Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX.XXXXWells Fargo Home Mortgage in the past has sent me some Pick A Pay Loan Disclosures that change depending who at Wells Fargo Home Mortgage is working that day. Now I dont know which document is real and which one is fake or our both documents fake. Doing this to home owners is called robo signing.Wells Fargo Home Mortgage will not give me a update on the status of my Loan modification application. 
I feel not addressing my loan concerns is also a form of discrimintation why? 
Wells Fargo Home Mortgage has fabricated loan disclosures and now they are not sure which fabricated document to send in this complaint. 


I have made XXXX request to Wells Fargo Home Mortgage requesting copies of all original mortgage statements from the start of this loan because I do not have all copies of all my mortgage statements from the start of this loan. I need all copies of my original mortgage statements with the front and back copies disclosing all required disclosures in order to validate the debt and loan servings concerns. In a typed response Please do not skip this question. 


Are there in Corp Advance fees, Inspection fees, court fees legal fees, for this loan? If so on what dates? 

What is the status of my Loan Modification Application? 

Will you tell me what my loan option are? 

Who will be my single point of contact for my loan Modification? 

Please submit Name and address and phone of trustee/Investor for this loan for lending disclosures including fraud concerns. 

On what date did you receive my Loan Modification Application? 

Was my Loan Modification Application Approved or Rejected? 
Are their any Corp Advances fees on this account if yes please list amount and dates? 
I have not spoken to a Single Point of Contact will you assign me a new Single Point of Contact? 
Who is the trustee or investor for this loan? 
Please send me your Mortgage service agreement?
Product: Credit card or prepaid card

To. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I am writing this email to you regarding an investigation and dispute that was closed by Citi XXXX XXXX on XX/XX/XXXX I recently became aware of fraudulent charges that were being placed on my Citi Credit Card. I called the number on the back of the card and reported it. 

My card in question, was cancelled and Citi issued me a new card while the Citi investigation took place. 

On XX/XX/XXXX I received a reply from Citi XXXX XXXX that stated that the investigation was completed and the dispute closed. It also states that I had given my account information for a series of purchases from the merchant and that Citi didnt consider this fraudulent activity. 

I had clearly explained the fraud to XXXX XXXX, I also offered supporting documentation showing the fraud. On XX/XX/XXXX, I responded to an email that said I had won a smart watch, one comparable with an XXXX XXXX. All I had to do was pay shipping. 

The website it took me to to collect my free watch was XXXX, At this website I was introduced to all the wonderful features of this XXXX XXXX XXXX. Being that I was recovering from a XXXX XXXX I had while also having XXXX, I figured that I could use the many medical tools it claimed to provide. I decided to pay the shipping and accept the free watch. 

This took me to a check out page. XXXX. On this page you input you credit card data and shipping address. No where on this part of the screen does it state or make you aware that you are going to be billed again. ( Please type them in to your browser or I can send you screenshots ) Apparently, this company uses this rip off product to enroll people into some sort of service that does not exist. ( See trustpilot reports ) Its called XXXX XXXX XXXX XXXX. This rip off company sends you a defective, cheap product, does not advise you that they will be billing your credit card for eternity and at will. And to top it all off, you never receive anything or any coupons or service of any kind. 

This my friends is fraud. You must clearly show that you intend to rebill, this fraudulent outfit billed my Credit Card at will for over a year. I did not agree to any such billing and worse is to receive a letter from Citi telling me its not fraud! 

I have some serious misgivings over the so called Security offered by Citi and the treatment I received. To continue to allow what Citi calls a merchant to operate in this fashion is protecting criminal behavior. 

Citi let me down, to the tune of {$810.00}. I am asking for reimbursement, and I am also asking that this fraudulent merchant is shut down from their rampant crime spree. 

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

They reinserted this information and did provide in written notice accordance with 15 USC 1681i ( 5 ) ( B ) ( ii ) 15 U.S. Code 1681i- Procedure in case of disputed accuracy 15 U.S. Code 1681i ( 5 ) ( B ) ( ii ) Reinvestigate I am formally requesting a description of the procedure used to determine the accuracy and completeness of the information including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available pursuant to 15 USC 1681i ( 6 ) ( b ) ( iii )
Product: Debt collection

This company uses robo calls and they call at least once a day often 2 or 3  times, no one in my household knows what they want as none of us are behind on anything the number is my house number but they also have my cell number which I have blocked -
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a general complaint against Experian and their so called investigations. I have sent in numerous dispute letters pertaining my personal information being reported incorrectly. I have even filed a formal complaint with the Federal Trade Commission about these old addresses that put me at risk for identity theft because I have no access to these addresses. At this point, Im seriously thinking about consulting with a consumer lawyer because Experian does not hereby to anything. I simply called XXXX and XXXX, updated my personal identification information, and the changes was updated within 48 hours. The world knows the e-Oscar system is who reads our dispute letters, and we all know its not 100 % accurate so what will it take?! FCRA. states all credit reporting agencies should be reporting accurate and verifiable information but it appears as if Experian is exempt.
Product: Debt collection

Account Research is harassing me for a bill which is owed by my spouse. I have contacted the billing services and spoke to someone named XXXX I explained that this is not my bill and I was never treated by XXXX XXXX XXXX in XXXX, TN. XXXX advised me that since it is a medical bill I am responsible for my spouses charges. My spouse is XXXX years old and responsible for his charges. I asked them to stop sending the bill with my name on it they have now resorted to sending the past due bill to my place of employment. This is a cheap ploy to shame me into paying for a bill that is not mine.