23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person Im a living human being I have rights under 15 USC 1681 Equifax is governed by 15 - USc 1681 and they have violated my rights numerous times I demand the accounts listed below be removed because according to 15 Dash USC 1681 I have the right to privacy and I did not give Equifax written permission to furnish these accounts this may be a case of identity theft which happened during the equifax data breach XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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
Product: Credit reporting

Transunion refused to block the fraudulent accounts that are on my credit report. 

Every account that was taken off of my credit report was reinserted back on to my credit file with Transunion. I wrote Transunion and sent them a copy of the police report and they still refused to remove the accounts that were fraudulent on my credit report.
Product: Credit reporting or other personal consumer reports

Subject : Statement of Inaccuracies on Credit Report I am writing to formally dispute inaccuracies on my credit report. My name is [ XXXX XXXX XXXX, and my Social Security number is [ XXXX ]. 

Upon reviewing my credit report, I found the following inaccuracies : 1. [ Account XXXX XXXX XXXX XXXX ] : This account shows [ describe the error, e.g., inaccuracies Are XXXX Account Type - SECURED LOAN Status - PAID, CLOSED Status Updated - XX/XX/XXXX Balance Update - Paid Off - Past due - EQUIFAX Account Type - INSTALLMENT Status - PAYS ACCOUNT AS AGREED Status Update - XX/XX/XXXX Balance Update - XXXX XXXX Paid off - 100 % Past Due - XXXX Account Type - INSTALLMENT ACCOUNT Status - PAID OR PAYING AS AGREED Balance Update - XX/XX/XXXX Past Due - {$0.00} Thank you for your attention to this matter. 

Sincerely, [ XXXX XXXX ]
Product: Credit reporting or other personal consumer reports

My information has been breached over 8 times in the last XXXX  years. I have debt reporting that I have no proof of holding myself liable. I have not obtained these items they were obtained from a unknown person/fraudster. I have disputed countless times and it has not yet been resolved. My disputes results come back verified however I am not provided proof of these verified debts which I know NOW is now a violation of the FCRA. I have been disputing these same accounts for years as they have not yet been verified with any legitimate proof. I have not been provided contracts bearing wet signatures and or proof of my debt owed.
Product: Mortgage

During the COVID pandemic, I have tried on several occasions to get in touch with Cornerstone home lending in New Jersey. They do not answer there phone. Hours upon hours of waiting to speak to a customer service representative. Note : Even before COVID, they were impossible to get a hold of. I have spoken to a live chat, they have no answers to this problem. It is now XX/XX/XXXX, I have spent the last week messaging them trying to get help with my mortgage loan and they have not been helpful. It is ridiculous that you can not get a person on an email, messaging system, phone, or live chat to try and resolve this issue. Come to find out, it is a third party handling the call center, and now I have been transferred to someone else. This should not be this hard to speak to someone about my mortgage loan. Extremely frustrated. I have been trying since XX/XX/XXXX to get in touch with someone.
Product: Checking or savings account

Two separate complaints with the same company. I opened an account with Albert Corp. Both a checking and savings account. They do not have a phone number to call and only have the availability to either text or email. I have contacted them by both methods and have received zero support. 

The first instance is that I have {$7000.00} in my savings. I recently had an unexpected expense where I was in need of {$1000.00}. Upon attempting to transfer the funds on XX/XX/XXXX from the savings to the checking account I was told that I exceeded the transfer limit of {$15000.00} over a 30-day period. Upon reviewing my transfer history, it shows that I have had no transfer since XXXX. I contacted customer service and was again told I exceeded the limit which I explained that I have not and sent them a screenshot of my transfer history they again stated I would just have to wait which is not acceptable. Again, I showed them proof of my transfers and I am not even close to the limit. Their customer service is now ignoring me by both text and email. I was able to pull two {$500.00} transfers as well as a {$200.00} transfer on XXXX but I want all of my money out so I can close the account. 

The second instance is that I am paid on the XXXX and the XXXX of the month from my employment and since the XXXX of XXXX falls on a Saturday payroll goes out on Friday the XXXX. I did not receive my check on the XXXX and assumed maybe it would be there later that night. On XXXX I checked once again, and no check was deposited. I verified with payroll and my online clock in system that the deposit was sent on XXXX to the correct account. I also verified that the last paycheck that was deposited into this account was XX/XX/XXXX ( XXXX payroll for XXXX ) I again contacted Albert 's support by both text and email and am now being ignored. I have requested a supervisor and I have also read their recent reviews that is also occurring to so many other members. I have bills to be paid and have no access to my savings nor my most recent paycheck of near {$800.00}. I have no idea where to go to retrieve my funds and no support. I am in desperate need of assistance.
Product: Mortgage

I have XXXX separate mortgages with Flagstar Bank. Those XXXX mortgages are for separate properties. I mail in my monthly mortgage payments to Flagstar via United States XX/XX/XXXX priority mail with tracking. The XXXX XXXX XXXX XXXX the date and time of delivery/pick up of my payments. Each month I pay extra principal payments with the regularly scheduled payment amounts which should result in the reduction of interest for each mortgage as of the day my payment is delivered. The effective payment date should be the date payment is delivered per the XXXX XXXX 's tracking and impacts the interest charges. [ CFPB Regulation XXXX states : " General Rule. A creditor shall credit a payment to the consumer 's account as of the date of receipt, except when a delay in crediting does not result in a finance or other charge or except as provided in paragraph ( b ) of this section. '' ] I have become aware Flagstar has been recording the effective date of my monthly payments after the date payment was delivered. I reported this problem to Flagstar and Flagstar has corrected some of the incorrect effective payment dates but is refusing to do so for payments I made for both mortgage accounts that were delivered by the XXXX XXXX on XX/XX/2022. Flagstar Agents tell me the effective payment date for these payments is XX/XX/2022 XX/XX/XXXX
Product: Mortgage

I was threatened by the CEO that they would cancel my loan XXXX hours before we were scheduled to close. 

As mentioned in a previous complaint, everything was in great shape for our closing up until about 24 hours prior. Unfortunately, things went south and I attempted to contact District Lending to no avail. I then sat down and wrote a negative XXXX review primary to get attention. Later that evening, I was finally contacted by someone at District Lending. That conversation went like this : District Lending Rep : Did you post a negative review on XXXX about us? 

Me : Yes, I did. I had no other way to get your attention. 

District Lending Rep : Our CEO told me that if you do not take the review down, we will cancel your loan.

The CEO threatened to CANCEL OUR LOAN because I wrote an accurate ( if not negative ) review about his company.
Product: Debt collection

elan financial put negative information on my credit report that i owe that money {$5000.00} dollars, the failed to verify any contract or prove how I owe them.. The failed to validate this debt that is not owed by me. I have written several letter to them. All XXXX bureau that i owe this debt to prove this debt with documents or contract according to federal law.
Product: Checking or savings account

On XX/XX/2019 I submitted a written request to US Bank asking them to investigate 6 separate fraudulent ACH withdrawals from my Property Management Trust Account. Someone was apparently using my trust account to pay their personal (? ) XXXX XXXX bills. I also contacted XXXX XXXX to see if by using the tracking numbers they could find out who did this but they said they could not do anything until US Bank 's fraud department contacted their fraud department and that between the two of them, they would figure it out. 

I had yet to hear from US Bank after hand-delivering my letter on XX/XX/XXXX so late last week I began leaving messages for them to call me back regarding a follow-up. Yesterday after my second call, I received a call back. I was told that no adjustment could be made because with ACH withdrawals I only have 24 hours to notify them of the charge regardless of it being fraud. This makes absolutely no sense whatsoever. 

There are reference numbers on my bank statements that SOMEONE from XXXX XXXX OR US Bank should be able to track to see who did this. MAYBE it was simply an error? But with no one willing to even check into the possibility, the only one that got hurt here is me since I have to put the money back into the trust account from my own pocket. 

Thank you for taking the time to read this - I hope to hear from someone soon. I will upload my letter to US Bank AND their response once I receive it.
Product: Payday loan, title loan, or personal loan

Im very upset with company onfalse advertising and false information to get you inloan. However im trying to pay off loan and has contact company several time for pay off amoutn and i get different and amounts every time my credit showing for th amoutn of XXXX still owed however wheni reach out to company it stay XXXX or XXXX which is more than I took and i been paying on loan since XX/XX/2018. Im filed several compliants on company with no resolution I just wont out of loan
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against the credit beauraus for failing to comply with the FCRA, specifically concerning the accuracy of credit reporting and the handling of identity theft disputes. Despite my repeated efforts to resolve inaccuracies resulting from identity theft, XXXX has not fulfilled its legal obligations under the FCRA. 

The following are the key issues I have encountered : Failure to Investigate Disputed Information ( 15 U.S.C. 1681i ) : I disputed inaccurate information related to identity theft on my credit report. However, they failed to conduct a reasonable investigation within the required XXXX period. 

Non-Compliance with Identity Theft Provisions ( 15 U.S.C. 1681c-2 ) : After providing XXXX with XXXX valid identity theft report, they failed to block the fraudulent information from my credit file as required under the FCRA. 

Failure to Ensure Maximum Possible Accuracy ( 15 U.S.C. 1681e ( b ) ) : There has not taken sufficient steps to ensure the accuracy of my credit report, despite being made aware of inaccuracies resulting from identity theft. 

Failure to Provide Required Notifications : XXXX did not provide timely and adequate notifications about the results of their investigation or clearly outline steps I could take to address the issue further. 

These failures have caused significant harm, including damage to my credit score, emotional distress, and financial difficulties. 

Thank you for your attention to this matter. I have attached supporting documentation, including copies of my identity theft report, dispute letters, and correspondence with XXXX, for your review.
Product: Credit card or prepaid card

Experian is claiming the following issue concerning an unknown account to me : Your credit limit {$1000.00} Your credit card balance {$1300.00}. I don't have a credit card limit of a {$1000.00} nor a balance of XXXX. I never applied for this card. Experian never provided the name of this credit card nor the bank it's from. I have theft protect with all the XXXX Credit Bureaus. So how could this happened.
Product: Credit card

The Goldman Sachs chat has been having technical issues in receiving regular images, which is what their agents request for dispute evidence. I received these messages from Goldman Sachs when I chatted in on XX/XX/2024 : " We can not complete your request at this time. Try again a little later. 
Sorry but an error occurred while sending the file. Please try again. 
We can not complete your request at this time. Try again a little later. 
Sorry but an error occurred while sending the file. Please try again. 
Sorry but an error occurred while sending the file. Please try again. 
We can not complete your request at this time. Try again a little later. ''
Product: Checking or savings account

Credit Karma Investigation Team, I would like to inform you about receiving our share of our tax refund in which my daughter and I have been used and claimed as dependents and sent to a Credit Karma account who belongs to XXXX XXXX using XXXX! This person has already fraud charges and has used us to get a larger refund amount! Keep advised it is being investigated by IRS.I have had an account with Credit Karma for over 2 years, with that XXXX should have our income tax information for previous years, this person who has entered our information, manually by taking our numbers down, used them, and in finding out, to avoid issues or myself reporting him, he allowed me full access to the account, handed me the debit card, then deactivated it without letting me know and ordered another to be delivered to his mother 's address, come to find out he emailed XXXX stating I had access and he didn't want me to have the access.Further action in filing charges is being taken. 

XXXX XXXX XXXX On Wed, XXXX XXXX XXXX XXXX XXXX Credit Karma XXXX wrote :
Product: Debt collection

Portfolio Recovery Associates has been attempting to collect an alleged debt for several years that is listed in my name. When they first began attempting to collect the debt, I sent them a debt validation letter ; however, I never received a response for validation. I am requesting that PRA quit its collection attempts and remove from all XXXX credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, All Accounts listed above have violated my rights according to law 15 USC 1681 section 602 ( A ) states I have the right to privacy.

15 USC 1681 section 604 ( A ) Section 2 also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Checking or savings account

On XX/XX/2022, I went to branch to withdraw XXXX. I was greeted and asked how my day was advised that I am going to buy a house and go on vacation. The rep stopped and asked if needed a cashier 's check. Saud no the purchase is being done privately and cash is needed for some down money but majority is for vacation. She asked if knew XXXX or XXXX but did not give last name. I heard XXXX XXXX and said no. Which triggered the rep to call Fraud dept. She never said XXXX XXXXXXXX XXXX  last name which would have solved issue. I was expecting funds from XXXX from tax return not XXXX. I even asked if XXXX was associated with the tax deposit and was told no. So let situation go. I was told the account is blocked for fraud in middle of floor. I stood up and said will be closing my account. XXXX stated they are closing account. I left branch when I got home received call lecturing me in fraud. Now really upset talked to XXXX stated he woul help anyway possible. So on XXXX, I call XXXX and spoke to XXXX. Told my situation and case not fraud. Owners of funds will provide information to prove funds meant for me. Told they would not speak to him. Said would provide ssnto verify or can make a code word. Said not a holder on account so can't do either. Said can he fax tax return to prove they put the account number of sending funds to me. Said can fax but not sure they will do anything with it. Said how can I prove not associated with fraud and avoid a closing of account and report to XXXX XXXX. Didnt know. Said could go to branch. I Said what can they do? Not much because business decision to close account not fraud. So funds will be returned to Irs which were for me to get medications vacation house hold payment and bills since haven't worked in XXXX years due to several health issues including XXXX XXXX and can't open another account because of XXXX XXXX reporting. Want funds returned to me in check form not returned to IRS or state unclaimed property. Need money to live.
Product: Mortgage

After realizing that my rescission rights were still effective due to the fact that my loan has not yet been consummated under the laws of California, I sent Ocwen Loan Servicing , LLC a letter rescinding my loan on XXXX XXXX, 2015. The letter was mailed to Ocwen Loan Servicing , LLC on XXXX XXXX, 2015 and received by them on XXXX XXXX, 2015. I have attached a copy of the letter as well as the follow up Notice of Non-Compliance. I was fully prepared for Ocwen Loan Servicing LLC to file a lawsuit against me to challenge the notice of rescission, but they did not within the XXXX day statutory period provided under the Federal Truth In Lending Act. Under the Act, the creditor 's interest in the property is " automatically negated regardless of its status and whether or not it was recorded or perfected ''. Under the Act, Ocwen Loan Servicing , LLC had XXXX days from XXXX XXXX, 2015 to challenge my Notice of Rescission by filing a lawsuit against me. They have failed to take any action regarding my Notice of Rescission in any way. Because of their failure to challenge the rescission, they have forever waived any and all defenses to my rescission. Under the Act, Ocwen is now in violation of the law, and they are blatantly disregarding my loan rescission rights. As previously mentioned and attached, I have sent them a letter of non-compliance and have requested they cancel the sale date that is scheduled on my home Wednesday, XXXX XXXX, 2015 and that they forward me a release and or a reconveyance as required under the statute. I am filing this complaint to inform the CFPB that Ocwen Loan Servicing , LLC continues to ignore the law and that they are in violation of a Federal Act. Their actions are in direct violation of federal and state laws. I request the Consumer Financial Protection Bureau take some kind of disciplinary action against Ocwen for their blatant disregard for the law and for attempting to pursue a foreclosure on a deed of trust that has been canceled by operation of law. I am hoping with your interaction, Ocwen will choose to abide by the Act and take the necessary steps that is required of them by law.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally dispute inaccurate information that has been reported on my consumer file. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am entitled to accurate and complete information in my consumer reports, and I believe the following item ( s ) to be erroneous : - Creditor/Company Name : XXXX - Account Number : XXXX - Inaccurate Information : - The XXXX report lists the account as having " 0 months ( terms ), '' which is inconsistent with XXXX and Experian, which correctly report " 120 months ( terms ). '' This inconsistency creates confusion and misrepresents the accounts terms. 
- Experian includes a " CONSUMER STATEMENT ITEM IN DISPUTE BY CONSUMER, '' which is not present in XXXX or XXXX reports, suggesting unresolved disputes. 
- The " Date Last Active '' is listed as " XX/XX/year> '' in XXXX, whereas XXXX and Experian correctly report " XX/XX/year>. '' - The " Date of Last Payment '' is reported as " XX/XX/year> '' by XXXX, while XXXX and Experian accurately list it as " XX/XX/year>. '' - Experian includes comments regarding a " CONSUMER STATEMENT, '' while this field is blank for both XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute unauthorized credit inquiries listed on my credit report. Upon reviewing my credit report, I noticed the following inquiries that I did not authorize or initiate : Inquiry XXXX : Creditor Name : XXXX  XXXX XXXX Date of Inquiry : XX/XX/year> Inquiry XXXX : Creditor Name : XXXX XXXX XXXX Date of Inquiry : XX/XX/year> Inquiry XXXX : Creditor Name : XXXX XXXX XXXX Date of Inquiry : XX/XX/year> Inquiry XXXX : Creditor Name : XXXX XXXX XXXX XXXX  Date of Inquiry : XX/XX/year> Inquiry XXXX : Creditor Name : XXXX XXXX Date of Inquiry : XX/XX/year> Inquiry XXXX : Creditor Name : XXXX XXXX XXXX Date of Inquiry : XX/XX/year> Inquiry XXXX : Creditor Name : XXXX XXXX XXXX Date of Inquiry : XX/XX/year> Inquiry XXXX : Creditor Name : XXXX XXXX XXXX Date of Inquiry : XX/XX/year> I believe that these inquiries are the result of either a clerical error, unauthorized actions, or potential fraud. I did not apply for credit or request services with these creditors, nor did I give them permission to access my credit report.As per the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate these inquiries and remove any that are found to be inaccurate, unauthorized, or otherwise inappropriate.