23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On or about XX/XX/XXXX, my deceased husband XXXX XXXX executed a promissory note as the sole obligor that was given to XXXX XXXX XXXX XXXX as the lender, and to secure said promise to repay, my late husband and I both executed a deed of trust dated the same. 

With the first payment made towards the foregoing transaction in the year XXXX up until or around the year XXXX, my credit profile never reflected said transaction for which only my late husband was an obligor. Proof that I was never an obligor for said transaction is demonstrated within a correspondence dated XX/XX/XXXX from XXXX XXXX XXXX  ( " XXXX '' ) as the mortgage servicer, addressed to both myself and US Senator XXXX XXXX that is attached hereto as Exhibit 1, wherein XXXX clearly stated that a " ... review of this loan has found that you are not a co-signer on the Note for XXXX XXXX 's ' loan. Since you are not financially responsible for this loan, we are unable to consider you for a loan modification .... ''. 

Upon Select Portfolio Servicing ( " SPS '' ) becoming the servicer for said transaction in or around the year XXXX, SPS begin reporting said transaction to the credit bureaus as if I was an obligor when I never executed the original note as an obligor as demonstrated within XXXX 's XXXX correspondence ( See Exhibit 1 ). Furthermore, in the year XXXX I discovered that either Chase or SPS caused my name and signature to be authored and forged upon a note instrument filed with the U.S. Bankruptcy Court for the XXXX  District of Virginia in Case No. XXXX ( See Exhibit 2 ), followed by the forging of both my name and late husband 's name upon a modification dated in the year XXXX ( See Exhibit 3 ), which neither one of us requested or needed at the time. 

Lastly, to avoid the foreclosure of my home, I was pressured into executing a predatory - unconscionable modification created by SPS that is void of a break down of my payments towards principal and interest, and consisting of a balloon payment. Furthermore, SPS created an escrow account for both hazard insurance premiums and real property taxes when the latter was exempted by XXXX County since XXXX as seen within Exhibit 4.
Product: Debt collection

I have contacted Capital One and they no longer have record of the debt. They even sent a letter asking me to give them information on my account. 

Spoke with XXXX at ( XXXX ) XXXXand she says that the company no longer has my accounts and can't give me any more information or proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

Deletion letter ATTN : Notice to Principal is Notice to Agent, Notice to Agent is Notice Principal I recently received a copy of my credit report, and I noticed some late payments posted on my credit report : .List Name of the accounts with late payments along with their account numbers. ). 
.Account numberXXXX Open/closedOpen Date openedXXXX XXXX XXXXXXXX .Account numberXXXX Open/closedClosed Date openedXXXX XXXX XXXXXXXX .Account numberXXXX Open/closedClosed Date openedXXXX XXXX XXXXXXXX .Account numberXXXX Open/closedClosed Date openedXXXX XXXX XXXXXXXX .Account numberXXXX Open/closedClosed Date openedXXXX XXXX XXXXXXXX. 

. 
Your company is in clear violation of the law. Under 15 USC $ 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this account on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC {$1600.00} ( 2 ) ( a ) ( j ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( A ) Subject to section 16815-3 of this title, any.

( ; ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC {$1600.00}.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report 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

Ive disputed these items numerous of times, I have asked for proof of debt such a contract bearing my signature but no one can seem to furnish me with the document requested. Every time I dispute these items it comes back verified when I request debt validation everything is at a stand still. My personal information was looked up in the Florida Unemployment System back in XXXX by a State of Florida employee and I was offered XXXX XXXX by the State of Florida to protect my identity for one year which ended in XXXX. After my XXXX XXXX  ended, unknown accounts were open in my name. I now have alerts on my credit report.
Product: Credit card or prepaid card

On XX/XX/XXXX, I applied for a Discover credit card. I received the card on XX/XX/XXXX and activated it the same day. The timeline for this account is that it is 8 days old. For some reason Discover sent me a bill due date and stating that my billing cycle ended on the XXXX of XX/XX/XXXX. I have talked to numerous employees and none of them could help me. I simply asked for an account less than 30 days ( 13 days active at the time of this message ) why do I already have a billing statement due? Please see attached, the most odd thing about the conversation is that they state that the 'system automatically generates a due date ' which makes no sense for an account this new. To be clear, I am not disputing the transaction on the account, I am fine with paying it, the billing statement is what I have issues with. If my account was opened on XX/XX/XXXX or the activation of my card was on XXXX as the start of the billing cycle and ends 30+ days later then I would be fine, because I would expect a bill due date to be either late XXXX or early XXXX. They also claimed that my billing cycle was stated on a welcome kit letter, which there is none ( please see attached ). All I was asking for is let my account actually be active for 30 days and send me a correct billing statement and they could not be bothered to do that. Their practice is predatory and not clear in what the sell.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is my multiple attempt to get this matter fixed but then again my request is still being disregarded. I would like you to review the docket number and type of public record because I have a feeling it is violating the Fair Credit Reporting Act. Additionally, this bankruptcy was dismissed. This is inaccurate, incomplete, and NOT VERIFIED! Delete this immediately! 

XXXX XXXX Bankruptcy Filing Date XX/XX/2016 Docket XXXXDischarged
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 Casue a significant inconvenience and financial loss, and I seek appropriate redress for theses violations.
Product: Debt collection

I sent back all equipment and the account was settled at XXXX  in 2017. I did not amd do not owe any money or early closing costs.This debt is not owed.
Product: Credit reporting or other personal consumer reports

Date reported XX/XX/2024, {$970.00}, reached out to them requesting documentation that this account belonged to me and verification that I signed for services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the initial affidavit and cease and deist demanding deletion of these alleged accounts on my consumer reports after learning these reporting agencies did not have written consent to furnish these accounts onto my report on XX/XX/2021 as well as a cease and desist demanding the consumer reporting agencies to stop all illigal communication via any medium. My consumer report is a medium through which they are communicating negatively to the detriment of my consumer report and reputation. The following alleged accounts are non-compliant, inaccurate, and unverifiable accounts that have not been certified under the testimony of facts. Experian is still reporting this alleged accounts on my private consumer report without my written consent per 15 USC 1681b ( a ) ( 2 )
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 Credit Bureaus was XX/XX/2022 but no response was ever received from them to date.Thus, their action has violated the FCRA section 605b, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX : XXXX XXXX Balance Owed : {$400.00} XXXX  XXXX XXXX Balance Owed : {$140.00} Equifax : XXXX XXXX Balance Owed : {$400.00} XXXX  XXXX XXXX Balance Owed : {$140.00} XXXX : XXXX XXXX Balance Owed : {$400.00} XXXX  XXXX XXXX Balance Owed : {$140.00}
Product: Mortgage

I initially took a loan in XXXX and Cardinal Financial registered the mortgage with my county clerks office in XXXX. I'm in the process of selling my home and the title company informed me that Cardinal Financial registered two mortgages with my county clerk office. One in XXXX and another in XXXX. When I received copies of the filings, I realized that Cardinal Financial filed duplicate mortgages using the initial VA mortgage from XXXX and filed it again in XXXX. My home was set to close in 4 days and this erroneous duplicate lien on my property is causing extreme hardship on my family and increased closing costs. My closing has been indefinitely postponed. I reached out to Cardinal Financial and sent them copies of the duplicate registrations to try and get one discharged. I was told it would take 30 business days for them to correct an error they made. I feel it is very unfair of an institution to make an error causing severe consequences to a consumer and not be liable for the damages caused. Most Financial institutions can resolve a lien immediately when its correctly filed. There should be some urgency when institutions file them incorrectly. Cardinal Financial has not been cooperative in finding a resolution correcting an error they made. There should be some safeguards preventing an institution from filing erroneous liens on consumers.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get this account updated for almost a yeaer now and it is very stressfull and unfortunate that these companies can report false information and hurt peopples credit with out any compassion or anything. The credit bureas Equifax and XXXX are supposed to do their job and they have failed horrible at that. They " verfied '' false information, how? They either lied about it or they are just ok with breaking the fair credit reporting act laws. Or maybe they actually did investigate it and XXXX is the debt collection company that's lying on my crdit? I wouldn't know because they also haven't sent me any debt validation paperwork for almost a year. They make it so difficult to function. Like i know the information is not accurate yet they still report it and tell me yes it is accurate. They have proof that it isn't right and they don't care. I even told the bureaus that they are reporting a dupication account and they don't care at all. My next steps has to be a FTC complaint and then consumer finace litigation i don't know what else to do.
Product: Checking or savings account

On XX/XX/2022 I visited a Chase Bank branch to submit a Power of Attorney document on behalf of my Grandmother who has XXXX and is a permanent resident of a XXXX home. I am trying to close a safety deposit box as Chase Bank is going to start charging for this service and she can not afford to pay. Further as her POA I have a fiduciary responsibility to make sure her money is being spent wisely. This is not a good use of her funds as she no longer needs a passport which is likely the primary object in this box. 

Today I received a letter ( attach ) that states : The Power of Attorney is being declined because The Power of Attorney does not grant the Agent authority to perform the requested transaction : Grant the Agent authority to perform the fiduciary transactions However the Power of Attorney submitted ( attached ) states the following : By way of illustration only and not attending any limitation I specifically grant to my attorney in fact General authority with respect to tangible personal property transactions, General authority with respect to banking transactions, General authority with respect to fiduciary transactions. 

Chase bank is denying my request on the grounds for an item that the POA specifically mentions. Further, the POA specifically states that this doesnt limit to powers granted. 

When my grandmother needed a XXXX XXXX account opened the XXXX folks told me to avoid Chase Bank as their legal department makes customers jump through hoops. I believe this denial, plus the difficulty with opening trust accounts, is a effort by Chase to discriminate against older and poorer folks who would have POAs and XXXX accounts.
Product: Credit card or prepaid card

This involves a prior issue, complaint # XXXX. This item was inexplicably closed, with no resolution and no answers from the company. I was NOT asking for my account to be reopened, just a reasonable explanation of WHY it was closed in the first place. NO ONE has to date answered that question, only saying " it can't be reopened ''. I don't want it reopened. Just tell us WHY it was closed. Who? When? Why? Answers are owed on this matter, as it seems Capital One made a significant mistake and won't acknowledge it, or explain how this is being reported to credit bureaus. I need to know HOW this closing is impacting my credit score. Capital One has already demonstrated a poor record of customer privacy protection. I need answers.
Product: Checking or savings account

I have a chime account and on XX/XX/22 someone in a different state logged into my account and sent my money to a XXXX XXXX XXXX. I logged into my account XX/XX/22 and when I saw that my money was gone I instantly filled a dispute. The representative on the phone asked if I had any proof and I say on the phone with her and found email showing that my account was logged into 3 time on XX/XX/22 and only once by myself. The other 2 time were in two different states. I sent here screenshots of the emails and she let me know that it could take up to 3 days for me to receive my money. I received and email 2 hours stating that my request was denied due to no error occurring. The amount that was taken from me was {$650.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : 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 XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ;
Product: Credit card or prepaid card

Amazon wants a payment of {$110.00} based on fees with out purchase. They own me {$100.00}.
Product: Debt collection

Received letter on XX/XX/2018 by XXXX XXXX XXXX in response to a letter that I sent them asking them to validate the debt. The company refused to validate the debt stating that my dispute was prepared by someone other than my behalf. It was a notarized letter I had sent to them. They are in violation of the Fair Debt Collections Act for refusing to validate the debt. 

Please also be aware " XXXX XXXX XXXX '' aka " XXXX XXXX XXXX XXXX '' is not authorized to collect the debt within the state of Utah. They are not registered in the state of Utah.
Product: Checking or savings account

Citi bank has my account on restricted. Its been since XX/XX/2021. I CANT access my money. They keep saying under review.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite three written requests, the unverified items listed below remains on my credit report in violation of Federal Law. Transunion is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of their investigations, Transunion stated in writing that the account verified that the items are being reported correctly? I received no written verification of who verified these accounts? Transunion did NOT provide me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Transunion also have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). As such under Section 611 ( 5 ) ( A ) of the FCRA Transunion is required to promptly DELETE all information which can not be verified. yet they have not.
Product: Credit reporting or other personal consumer reports

I wrote tge bankruotcy ciurt and they responded i sent this to exoerian and they investigated so they say with their third oarty source their third party source stares tgat they have not conducted with them so they say and exoerian claimed it did a reinvestigation but did not according to the third party they informed me verbally so I contacted the lexis nexus and they informed me that expwrian did not and have not contacted them and I sent cfpb already the courts information just as I did with the bureaus so experian refuse to remove it and the courts did not report this to experian at all
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 Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX  Account Number : XXXX has violated my rights. Or 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

Your company is reporting the incorrect balance on my credit report, I have been paying this account as agreed every month. You're reporting a false balance and not reporting the correct amount. I have attached reciepts showing I have been paying. Update my credit report. It should be showing paid as agreed with the correct balance. This is a violation