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

Despite the numerous attempts I made to inform the bureaus of the fraudulent accounts, unauthorized inquiries, and incorrect personal information I have in my credit report, they still keep reporting them. This is an act of neglecting my request for the removal of the items below without supporting documents submitted or a form of response. Their behavior has been pulling my scores down which is now my reason for sending this complaint directly to CFPB. Here are the items that I am concerned of : Incorrect Name : XXXX XXXX Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXL XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I set up auto pay on my account. The account was paid in full, but they still took out the auto pay payment, even though there was no payment due.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such accounts and other documents so I may review to see if this is actually a account that belongs to me.
Product: Mortgage

Ongoing collections calls for an XXXX XXXX who is NOT at our address. We have called Shell Point Mortgage XXXX. Resurgent XXXX numerous times, told them that they have the wrong party and wrong telephone number. They ignore our complaints and continue to call us with their collection calls. We are ages XXXX, have NO debt, and do not want these calls to continue.
Product: Checking or savings account

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Dear CFPB, On XX/XX/2024 I deposited a check ( # XXXX ) in the mail from my PNC Personal Checking Account. The check was made out to the United States Treasury in the amount of {$XXXX}. The check as cashed for that amount on XX/XX/2024, and I assumed that everything was fine. I was first notified by the IRS that I still owed them the money on XX/XX/2024 by mail. I immediately contacted PNC bank and requested an image of the cashed check and received that 48 hours later. Upon opening the image I saw that the check had been altered and cashed by a XXXX  XXXX XXXX for the same amount I had made the check out to the IRS for. The check was not endorsed by anyone, and no personal identifying information is on the back of the check. This represents non-compliant bank procedures and the bank made critical errors that led to my funds not being protected as they are legally obligated to do as a regulated entity. I immediately contacted PNC Bank and reported the fraud and theft. They mailed me an affidavit, which I completed and had notarized and reported to them on XX/XX/2024 ( Reference # XXXX XXXX XXXXXXXX ). They received it on XX/XX/2024. On XX/XX/2024 they contacted me and informed me that my case had been denied and that the case was considered closed on their end, due to that fact that it was not reported within 30 days of the theft occurring, which they are claiming is their policy. 

I am specifically documenting when the IRS notification was received, as this represents the first reasonable opportunity I had to discover the fraud. This is important because under UCC 4-406 ( f ), the one-year period begins when the fraud was reasonably discoverable, not necessarily when it occurred.

Under UCC 4-406 ( e ), a bank 's failure to exercise ordinary care in paying an item shifts liability away from the customer. In this case, multiple required security measures for a high-value item appear to have been bypassed : 1. The check was processed without a valid endorsement XXXX. The {$23000.00} amount should have triggered enhanced security review under XXXX requirements XXXX. Electronic deposit of an altered check of this size should have required manual review and verification XXXX. No verification of deposit authority appears to have been performed '' Furthermore, as this check was stolen from the mail, I had no reasonable opportunity to detect this fraud before it occurred. Under UCC Article 4, time limitations for fraud reporting do not apply when : - The customer could not reasonably have detected the fraud - The bank failed to exercise ordinary care - Required security protocols were not followed '' I will be filing formal complaints with the police, XXXXXXXX XXXX XXXX, and the XXXX XXXX XXXX  I appreciate any assistance you are able to provide here. 

Thanks, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit card

I was charge interest on a promotional balance that should have been paid in full. as of XXXX of XXXX  I had a remaining balance of {$540.00} on a 0 % interest for 2 years. Since then I have made the following payments. 

XXXX - {$50.00} XXXX - {$50.00} XXXX - {$29.00} XXXX - {$93.00} XXXX - {$88.00} XXXX - {$91.00} XXXX - {$190.00} XXXX - {$93.00} XXXX - {$93.00} XXXX - {$99.00} XXXX - {$93.00} XXXX - {$120.00} XXXX - {$230.00} This reflects {$1300.00} in payments. The promotional balance should have been paid off first but the company applied the payments to other charges. 

This is predatory and they do this to ensure that they can charge the back dated interest.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cashapp ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates 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: Mortgage

After my previous complaint I was contacted by Bank of America and assigned a single point of contact to help resolve my issue. This person told me she would be calling by XXXX XXXX, 2016. I made to attempts to reach her on XXXX/XXXX/16, leaving voicemails requesting a call back each time. I left an additional voicemail on XXXX/XXXX/16, but I have not heard anything back. I have made three consecutive months of trial modification payments of {$910.00} for a total amount of {$2700.00} covering XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. However, none of this money has been applied to my account. I 've made three attempts now to set up payment for XX/XX/XXXX and my calls have gone unanswered. Once again, I am doing everything in my power to bring my account up to date and Bank of America is refusing to allow this to happen while holding my {$2700.00} hostage. I was hopeful that I could enter a trial modification program to make my mortgage more affordable but at this point I 'm ready to deplete my savings account and pay off the balance of my account. I stated this in my last voicemail for the single point of contact that was assigned to me. I am unable to understand this person 's name, but she can be reached at XXXX extension XXXX.
Product: Mortgage

Ocwen loan servicing is the servicer of my loan. 
1. They refuse to talk to about anything. 
2. They refuse to send me any papers. 
3. They will not send me my statements4. They will not send payment statement. 
5. They will not return any letters or phone calls. 
6. They refuse to let me know what owed on loan. 
7. They refuse to let me know if they received my payments. 
8. They refuse to let me know what my payments are. 
9. They but forced insurance on this property when I have insurance on the property. They refused to take it off after 3 months of sending them proof and calling them over XXXX times. 
10. They double charged me for insurance. 
11. The only thing that they will say when I call, is that they were told not to talk or send anything to me due to I filed litigation against them. 
XXXX. I have over XXXX documented calls to Ocwen and copy 's of letters sent to prove this. 
I believe they are doing this because I filing a lawsuit and complaints against them in an unrelated mortgage that they are servicing for XXXX XXXX XXXX. ( Case, XXXX in XXXX County ). This has noting to do with this loan which is owned by you, XXXX. There is no reason for there conduct in the servicing of this loan. I have no complaints or lawsuits against you. I have not missed any mortgage payments. Its not in foreclosure. I want to make payments on time and have been making payments for the last 4 months not knowing what my payments are, and if they were even credited ect. 
I believe they are going to to try to foreclose on this loan even though I have proof of all of this, just like they illegally did on the loan with XXXX. This is the loan I filed the lawsuit on. This letter will be sent along with complaints to other agency 's including the press. 
The nation is in a foreclosure crisis and the courts are full of foreclosure cases. There is no excuse for this conduct by Ocwens loan servicing. They may cause this loan to go in foreclosure for no reason what so ever.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  account # ending XXXX is reporting to XXXX and Equifax. I disputed this account through XXXX on XX/XX/22. XXXX has failed to record the current status of the disputed information on my credit file. This is a violation under the FCRA under 15usc 1681i. Due to the violation of the FCRA I want the account to be deleted.
Product: Bank account or service

I went to the U.S. bank location on XXXX XXXX in XXXX XXXX, California on XXXX XXXX around XXXX XXXX. I went to the teller art the window and asked to have a payroll check cashed. She asked me for identification and then said she needed a second form if identification. I gave her both a state drivers license as well as a passport I.D . card. She refused to cash the check because she said she did not recognize me and she could not find me ever having cashed a check at that location before. She said she could not verify that the check was authorized to be written to me because the payroll company was closed. She said to me various times that penning an account would make the process smoother. I kindly told her various times that I did not want to poem an account with them. The check was written to my name and I had cashed a check in that location before. It seemed she was very adamant that she wanted me to open an account even though I refused. Ultimately she did not cash the check and said I needed to open an account. The check from the payroll company is issued from U.S. bank.
Product: Student loan

I have been paying a late fee to navient for almost 3 years. I recently emailed them about it because I didn't understand why I was getting a late fee when I wasn't late. I was told in XX/XX/2019 I was late and in XXXX of 2019 I was granted forbearance. They just never removed the late fee. The late fee is XXXX a Month and when I do the quick pay option it takes out the money for the late fee. Otherwise I have to allocate my payment per loan with navient.
Product: Vehicle loan or lease

I couldnt afford the vehicle anymore in XX/XX/XXXX so I volunteered to let them repossess the car. They picked up the car about 2 weeks later and I didnt hear back from the company until XXXX  when they said they never got the vehicle. They have been reporting the vehicle late on my credit report late for the past year. The company name is Credit acceptance and to my knowledge they received the car 5 years ago. If I actually had the car they should have repossessed it or taken me to court or filed charges and I could prove I submitted the car. I told all credit bureaus about how it was a repossession and they still report the vehicle as a late payment. Also the amount they say I owed is not correct. I only owed XXXX at the time of repossession. They are claiming XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent, authorize or benefit from any of the following accounts or inquires. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$2000.00}. CXXXX XXXX {$3000.00}. XXXX XXXX XXXX XXXX {$750.00}XXXX XXXX XXXX XXXX  {$7800.00}, XXXX XXXX  XXXX XXXX {$470.00}. XXXX XXXX XXXX {$39000.00}. XXXX XXXXXXXX {$1800.00}. XXXX XXXX {$2100.00}. XXXX XXXX ORIGINAL CREDITORXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$470.00}. XXXX XXXXXXXX {$200.00}. XXXX XXXX {$800.00}. XXXX XXXX {$330.00}.
Product: Debt collection

I requested a copy of my credit report with all 3 major bureaus, and found erroneous information being reported by Portfolio Recovery. I am unaware of how they've obtained my personal information without my authorization/knowledge. 
In attempts to resolve the issue I mailed a certified letter on XX/XX/XXXX asking the agency to VALIDATE the alleged debts owed on said accounts ( 2 ) under the Fair Debt Collection Protection Act. I requested the agreement that I signed, the original contract, a copy of their state license for Maryland and a full calculation of the balance and payment history. 
I was provided a one month billing statement from XX/XX/XXXX-XX/XX/XXXX. 
This is not sufficient and doesn't prove obligation to the alleged debt. I am disputing this debt. 
They are also reporting delinquent /negative information to all 3 credit bureaus and I am requesting they be immediately deleted.
Product: Mortgage

Contacted US Bank to view Mortgage Payment Statement received error in zip code to access login to account contacted Customer Service on several occasions - reason *XXXX XXXX XXXX spoke with the following at US Bank XXXX - Home Mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX - OnlIne Banking XXXX - solution send to Research Dept to investigate? Case # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sumbitted a request to validate collection accounts on my credit report. The letter stated for the credit to have the collection agency provide original documentation to prove that these accounts are mine. I was sent an email notification that my investigation was over but they have failed to tell me how they validated these debts.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX  Balance : $ XXXX Dates : XXXX and XXXX Late Closed
Product: Student loan

To the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, We are writing as a collective group of defrauded students and alumni who attended XXXX schools, urging immediate action to approve outstanding Borrower Defense applications and provide full relief for those impacted. 
Many of us attended the following institutions owned by or affiliated with XXXX, where misrepresentations and predatory practices have been well-documented : * XXXX University XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX The Department of Education has already found significant evidence of misconduct by these schools. Specifically, XXXX University misrepresented job placement rates to prospective students between XXXX and XXXX, falsely claiming that 90 % of graduates secured jobs in their field of study within XXXX months of graduation. This claim, widely advertised in national campaigns and direct mailings, was later revealed to be grossly inaccurate. XXXX included old jobs held by mid-career students before enrolling and excluded graduates who found employment outside their field of study. 
At its peak, XXXX enrolled nearly XXXX students across campuses in XXXX states and through an online program accessible nationwide. The scale of this deception has left countless students burdened with unmanageable debt and limited opportunities, as documented in the Department of Educations Borrower Defense Executive Summary and Statements of Facts.

We are asking you to take immediate steps to : 1. Approve all outstanding Borrower Defense applications for students who attended these institutions.

2. Discharge all loans associated with fraudulent practices, including consolidated loans.

3. Repair borrowers credit reports to reflect the removal of these fraudulent debts.

Delaying action only prolongs the harm caused by these predatory institutions, leaving borrowers unable to move forward with their lives. Many of us pursued higher education to achieve the XXXX XXXX, but this dream was stolen by the very institutions we trusted to help us achieve it. 
We implore you to act decisively to ensure justice for all borrowers who were misled and exploited. The stakes are simply too high to risk further delays. 
Thank you for your attention to this urgent matter. 
Sincerely, Students & Graduates of XXXX XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX which falls under XXXX according to XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted company information Experian. Please delete the following accounts. 

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

On XX/XX/2020, I reported this account, XXXX, CFPB claim # XXXX, as one of two accounts that I have now paid both accounts a twice to XXXX XXXX . This time I made certain the documentation showed the agreement to deposit my check for the removal of the account from the credit bureaus. After receiving the second payments on both accounts, two separate XXXX agents ( on two separate days ) told me they could see where the accounts were paid the first time, down to the date, time and penny. All bureaus have finally stopped reporting the accounts, except TransUnion. I have sent in multiple letters to TransUnion showing the confirmation letters from XXXX, yet somehow TransUnion just keeps " verifying '' the remaining account? I even sent a letter asking them just to actually call XXXX, pick up the phone and make an old fashioned phone call. Not only were all attempts to correct the error " verified '', the account was updated to a " charge-off '' and still reports as an " open '' account? This seems absolutely absurd that these bureaus have so much control over our financial conditions, yet they have no regard at the injuries they cause to the consumer, to be so reckless in their reporting that it can ( and did, significantly ) cause financial destruction for me, which directly impacts my provisions for my son. Now I am trying to repair all the damage done by TransUnion 's careless reporting and they are just bumping along, still reporting this account that has now been paid twice, reporting it in complete error to hurt my credit score more, completely ignoring all communication by me to resolve the issue, and is completely unreachable by phone? This hardly seems okay, again it seems a lot like fraud.