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

I am writing to bring to your attention the unresolved issues I am facing with TransUnion regarding inaccuracies in my credit report. On XX/XX/XXXX, I initially contacted TransUnion to dispute the following information, but to date, I have not received a response. 

XXXX XXXX Account ( Account Number : [ Account Number ], Date Opened : XX/XX/XXXX, Balance : {$520.00} ) : The reported balance of {$520.00} is incorrect. I remember the amount to be lower. 
Kindly delete the information regarding the Past Due amount, as the account is closed and charged-off. 
I request that this account be marked as disputed to prevent any adverse effects on my credit score. 

XXXX  Account ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$600.00}, Original Creditor : XXXX  ) : This account is not mine, and I request its removal from my credit report. 

XXXX  Account ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$650.00}, Original Creditor : XXXX  ) : This account is not mine, and I request its removal from my credit report. 

XXXX  Account ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$2600.00}, Original Creditor : XXXX  ) : This account is not mine, and I request its removal from my credit report. 

XXXX  Account ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$270.00}, Original Creditor : XXXX  ) : This account is not mine, and I request its removal from my credit report. 

XXXX  Account ( Account Number : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$560.00}, Original Creditor : XXXX  ) : This account is not mine, and I request its removal from my credit report. 

XXXX  Account ( Account Number : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$410.00}, Original Creditor : XXXX  ) : This account is not mine, and I request its removal from my credit report.
Product: Credit card or prepaid card

XX/XX/XXXX - placed order for 4 appliances with AXXXX XXXX XXXX logged in to check on delivery of order to discover that 3 of the 4 items were on backorder, called XXXX XXXX to determine their delivery date. XXXX XXXX  could not tell me when they would be available. I asked to cancel the entire order because I needed all 4 items. 
XXXX XXXX XXXX had still not cancelled the order. XXXX XXXX stated that 1 item had shipped and there would be a charge of XXXX. I provided documentation from XXXX showing them that the item had not shipped ( see pages 4-5 ). 
XX/XX/XXXX - I received a partial refund from XXXX XXXX 
XXXX XXXX field a dispute with XXXX XXXX for the remaining balance. ( pg 3 and page 7 ) XXXX XXXX XXXX  sent a letter saying dispute was under investigation. 
XXXX XXXX XXXX refunded a partial amount leaving a balance of XXXX which I was still in disagreement over. 
XXXX Commenity Bank sent a very vague letter. 
XXXX I called and spoke to Commenity and they stated my dispute had been closed due to the XX/XX/XXXX partial refund. I stated I disagreed with that outcome and am still disputing the XXXX that had been withheld. I was connected to a supervisor who reopened the dispute and asked me to send the XXXX documentation ( pages 4-5 ) as evidence that the item had not shipped and a full refund was due to me. 
XX/XX/XXXX - Received a letter from Comenity saying the dispute was under investigation XXXX Comenity sent another letter stating they could not fulfill my request. 
XXXX Called and spoke to Comenity and explained they reached the wrong conclusion and that because 1 ) XXXX XXXX had not been transparent up front about items being on backorder they caused the order to be cancelled and 2 ) that the item had never shipped in accordance with the XXXX XXXX. I stated I would not pay the bill and that I was totally dissatisfied with how Comenity handled these 2 disputes. I stated I would file a complaint with the CFFB. Comenity then asked if I would talk to another supervisor. I was then placed on a 10 minute hold and connected to a staff person at XXXX XXXX who refused to help me. Comenity Bank was deceitful and did not tell me they were connecting me to XXXX XXXX. Once I found out I explained to them that I thought I was speaking with Comenity and that they were supposed to be acting on my behalf. 

Comenity Bank has acted on behalf of XXXX XXXX in this entire matter and has not represented me in any way. Comenity wants to put money in the hands of XXXX XXXX at the expense of the consumer. XXXX XXXX never told me that my first dispute was not resolved, I only found this out when I phoned them to follow up on the issue. Comenity Bank is not in compliance with federal credit card laws.
Product: Mortgage

Select Portfolio Servicing, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX loan # XXXX Problem : SPS misapplied payments, did not apply payments. All mortgage payments were made timely and in full. Due to misapplied and not applying payments properly penalties, higher interest rates and collection fees were added to the loans. SPS has not been able to restore the loans to the correct amount owed. 

Hired XXXX XXXX in XXXX - XXXX Hired XXXX ( XXXX ) XXXX in XXXX to present We provided all paperwork, checks to show full payment and SPS still has not responded. 
I have spent close to {$30000.00} in attorney fees to get this resolved. 

I have fully paid SPS and have never missed a payment.
Product: Bank account or service

In XX/XX/XXXX, opened share savings account and given membership number XXXX, and in XX/XX/XXXX, opened limited checking account. Someone hacked into my XXXX account and attempted to make purchases with my registered accounts in the XXXX system. With very limited funds in the mentioned accounts, of course, PenFed rejected these debits from the account. However, after multiple attempts/returns to the account, this Credit Union has assessed at least {$700.00} in bank fees. On XX/XX/XXXX, sent an e-mail on the consumer website through " contact us '' advising them of the issue and to reverse the charges. As of this writing, they have ignored my e-mail and have been negligent in noticing/contacting the member about these suspicious transactions on a new account. They should be investigated for the numerous erroneous fees that most likely are charged to the members of this Credit Union.
Product: Mortgage

Lender AmeriHome Mortgage  Loan # XXXX - CLOSEDXX/XX/2019Customer Service XXXXI refinanced the property, cancelling the loan with AmeriHome on XX/XX/2019.  A month later AmeriHome refunded the balance remaining in my escrow account, but not the  funds which they claimed they paid XXXX XXXX  County property tax XXXX.  The County reported that the tax was not paid by Amerihome because it was paid by the title company managing the refi.  I have called AmeriHome twice and was disconnected both times when asking to speak with a supervisor.  I filed a complaint on their site and received an unsatisfactory response.  I tried chatting on their website and got routed to a page that does not exist.If the money were sent to the County, I could accept a delay.  In this case XXXX XXXX who handles payments for AmeriHome did not send the check.  How can I recover the XXXX?XXXX XXXX
Product: Checking or savings account

My bank account was hacked and {$17000.00} was stolen from my account in the form of 64 different ATM withdrawals and withdrawal fees. I filed a dispute for these transactions to my bank and they denied my claim. So I filed a rebuttals and they denied that too and refuse to refund me my stolen money as a result
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$50000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a tagged a collection letter from XXXX and this was Debt bought from XXXX bank. XXXX bank on my Experian report is still reporting a charged off balance which it should be zero since they sold the debt. I have tried to dispute this with Experian with no luck directly.
Product: Credit reporting, credit repair services, or other personal consumer reports

about 2 months ago i received a copy of my credit report and noticed several accounts that are listed on my report that i never apply for and never used and never received any benefit from. i disputed these accounts and refused to removed them all these accounts are the result of identify theft XXXX XXXXXXXX, {$9500.00}, ( XXXX ) XXXX, XXXX  XXXX XXXX, {$840.00}, ( XXXX ) XXXX, XXXX XXXX XXXX, {$1100.00}, ( XXXX XXXX XXXX, XXXX XXXX, {$5000.00}, ( XXXX ) XXXX, XXXX XXXX XXXXXXXX, {$1100.00}, ( XXXX ) XXXX, XXXX XXXX, {$51000.00}, ( XXXX ) XXXX, XXXX  XXXX, {$1500.00}, ( XXXX ) XXXX, XXXX  XXXX XXXX, {$910.00}, ( XXXX ) XXXX, XXXX XXXX XXXX, {$490.00}, ( XXXX ) XXXX, XXXX XXXX XXXX, {$420.00}, ( XXXX ) XXXX, XXXX
Product: Student loan

I logged onto the Navient site last week. They have the incorrect school listed online for where I attended XXXX. I went to XXXX of XXXX and they have XXXX  XXXX listed. Also, I feel very confused about where they have allocated my payments and where the payments are going. I get that I owe A LOT in loans, but I do not see where the payments are going.
Product: Mortgage

Since XXXX 2015 our mortgage company Seterus Inc. has not credited our payments correctly and because of this they have charged us late fees because the payments are going into supense. I have called and spoke with the customer service people who say they are fixing it and still it is not fixed. I then have called and spoken to the supervisor of the call center XXXX XXXX who assured me she would have it fixed and still not corrected and also XXXX XXXX. I have spent over 15 hours on the phone with these people and all of who say that it will be corrected and that I can make my payment and it still is not fixed. I was told that it was because i was making my payments too early for the monthly payment, so then I started waiting to make the payments one the XXXX and still not fixed. They have my money in suspense and have not corrected my account.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 or 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: Money transfer, virtual currency, or money service

I hope this message finds you well. I am writing to express my deep concern regarding the permanent limitation placed on my PayPal account with the email address XXXX. I believe that this limitation was placed on my account by mistake, and I would like to appeal this decision. 

First and foremost, I want to emphasize that I have always strived to comply with PayPal 's policies and guidelines. To the best of my knowledge and understanding, I have not engaged in any activities that would warrant such a severe action against my account. I have consistently used PayPal for various transactions, both personal and business-related, without any prior issues. 

I kindly request that PayPal re-investigate my case thoroughly and provide me with an opportunity to address any concerns or issues that XXXX have led to this limitation. If I have inadvertently violated any policies, I am eager to rectify the situation and ensure that my account is in full compliance with PayPal 's terms. 

Having used PayPal as a trusted payment platform for a considerable period, I rely on it for various financial transactions. The permanent limitation on my account has created significant inconvenience and disruption to my personal and business activities. 

I kindly request that PayPal 's review team carefully assess my account and consider reinstating it if no clear violations of PayPal 's policies are found. I understand the importance of security and compliance, and I am committed to working with PayPal to resolve any issues promptly. 

I appreciate your attention to this matter and kindly request that you respond to this appeal as soon as possible. Restoring my PayPal account would greatly alleviate the challenges I am currently facing. 

Thank you for your time and consideration.
Product: Credit reporting

I am buying a home with the closing scheduled for XX/XX/XXXX. When my loan officer recently tried to access my credit report info with Experian and XXXX, he found that I was classified as DECEASED on both agencies ' records. This apparently happened when XXXX XXXX reported my husband 's death in XX/XX/XXXX to the credit bureaus. ( He and I held a joint home equity account. ) It is imperative that the deceased designation for my name be removed at once so we can continue to prepare for the house closing. Both Experian and XXXX indicated that XXXX made this report but XXXX denies having submitted info that I was deceased. I just need to have this issue expedited and resolved ASAP. Both agencies indicate that the issue can be resolved but it will take up to 30 days. As of today it is only 22 days until my home purchase closing, so I am panicking.
Product: Payday loan, title loan, or personal loan

This company continues to call me at home, cell and work with threatening voice mails indicating they are going to arrest me at work or home unless I call them. I notified them months ago to only contact me via email or us mail per the fair debt collections practice act.
Product: Money transfer, virtual currency, or money service

I received an email stating that I will receive my frozen funds on XX/XX/year>. It has already passed the agreed time and I still have not received my funds. Please check.
Product: Mortgage

I was provided on XX/XX/XXXX and since then I have been asking XXXX XXXX provide all the fee and what is debit {$640.00} by supervisor XXXX XXXX. 
Since XX/XX/XXXX XXXX XXXX has refused to provide an additional {$640.00} debit fee is for and if is it within not to provide me the answer. 
I also email the same request to single point of contact since than he has XXXX XXXX who also refused to provide the answer. XXXX keeps telling us to send emails to different emails. 
The amount of {$640.00} is hidden cost service is illegally charging me. 
I have been paying my own homeowners insurance since XXXX now I am forced to buy insurance by servicer. 
I have been refused by supervisor XXXX he will not remove homeowners insurance. 
In XXXX homeowners insurance is not required by law but mortgage company can request homeowner to buy homeowner insurance.
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 EXXXX 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

I am writing to file a formal complaint against XXXX BANK XXXX regarding the illegal reporting of a charge-off, which is considered a certificate of indebtedness and income under IRS Publication XXXX. This erroneous reporting violates federal regulations, including the Fair Credit Reporting Act ( FCRA ) and the Privacy Act of 1974, causing significant financial and emotional distress. The charge-off, considered income per IRS Publication 4681, should not be included in consumer reports, as explicitly mandated by federal regulations. 

However, XXXX BANK XXXX has inaccurately reported this income, breaching the FCRA and IRS guidelines. This misleading reporting not only misrepresents my financial standing but also infringes upon federal regulations designed to ensure accurate and fair reporting to consumers. The erroneous reporting persists despite my attempts to rectify this issue directly with XXXX BANK XXXX by disputing the inaccurate information on my consumer report. This continued misreporting has substantially hindered my access to credit and financial opportunities. 

Furthermore, XXXX BANK XXXX XXXX actions violate several federal statutes, including : 1. Violation of FCRA Sections 1681 ( a ) and 1681 ( b ) : XXXX BANK XXXX 's illegal reporting of inaccurate information without my explicit consent contradicts the FCRA, impairing the efficiency of the banking system and undermining public confidence essential to its functioning. 2. Violation of FCRA Section 6802 : XXXX BANK XXXX reported information without my consent, breaching my opt-out rights and failing to disclose clearly and conspicuously that such information could be disclosed to third parties. 

This continuous inaccurate reporting has resulted in substantial financial damages and emotional stress. Moreover, it directly contravenes federal laws to protect consumer privacy and ensure fair and accurate credit reporting. I respectfully request the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action against XXXX BANK XXXX for their egregious violations of federal statutes. 

Additionally, I seek immediate rectification of the inaccurately reported information on my consumer report to mitigate the ongoing financial and emotional distress caused by their actions. Enclosed are supporting documents detailing the inaccurate reporting and relevant federal statutes for your review and consideration. Thank you for your attention to this matter. I eagerly await your prompt response and resolution.
Product: Credit reporting or other personal consumer reports

XXXX IS REPROTING INACCURATE INFORMATION ON MY CREDIT FILE AND REFUSE TO REMOVE THE VIOLATION OF THIS MATTER AS IT HAS BEEN ADDRESSED ON SEVERAL OCCASSIONS, THE ACCOUNT XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX ) IS REFLECTING A OPEN BALANCE ACCOUNT STATUS AND THE ACCOUNT HAS LONG BEEN SETTLED AND PAID OFF THIS INFORMATION SHOULD NOT BE REFLECTIN ON MY CREDIT REPORT AS A DEROGORTORY ACCOUNT AS IT IS NOT AN OPEN ACCOUNT. ALL OTHER CREDIT BUREUS HAS UPDATED THIS INFORMATION BY REMOVING THIS ITEM FROM MY REPORT BUT XXXX HAS REFUSED TO REMOVE AS I WILL NOT CONTACT AN ATTORNEY AFTER SEVERAL ATTEMPTS TO HAVE THIS ITEM REMOVED WITHOUT SATISFACTION. Also XXXX, and XXXX IS FALSLY REPORTING XXXX XXXX XXXX, FILE # XXXX, AS OPEN STAUTS ACCOUNTS WITH BALANCES. I HAVE NEVER AUTHORIZED XXXX FUNDING TO UTILZE MY PERSONAL INFORMATION FOR DEBT COLLECTION NOR DID I GIVE THEM AUTHORIZTION TO USE MY INFORMATION FOR THIS HARRASSING PURPOSE AS THEY REFUSE TO RELEASE THE AUTHORIZATION GIVEN THEM PERMISSION TO HARRASS AND UTILIZE MY INFORMATION FOR DEBT COLLECTION PURPOSES. WHICH I BELIEVE IS THE CAUSE OF MAJOR IDENTITY THEFT BECAUSE NO ONE GAVE ORIGIN THE RIGHT TO SELL PERSONAL INFORATION TO DEBT COLLECTION AGENICIES. ALSO XXXX IS REPORTING POTENTIALLY NEGATIVE INFORMATION ON MY CREDIT REPORT AS ALL ACCOUNT XXXX, XXXX XXXX ACCOUNTS ARE ALL IN GOOD STANDING AND REPORTING POTENTIALL NEGATIVE INFORMATION ON MY CREDIT REPORT WHICH IS INACCURATE INFORMATION VIOLATING MY CONSUMER PROTECTION RIGHTS.
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint regarding EXPERIAN 's violations of the Fair Credit Reporting Act ( FCRA ), specifically 605B and 611, due to their failure to address fraudulent accounts on my credit report despite proper notification and submission of required documentation. On XXXX XXXX, I disputed several fraudulent accounts and provided Experian with all necessary documents, including a valid identity theft affidavit, proof of address, government-issued ID, and evidence linking me to a data breach. However, Experian failed to block the disputed items within the XXXX business days required by 605B and instead " verified '' the accounts without disclosing the sources or evidence of verification, violating 611 's mandate for a reasonable reinvestigation and transparency. Their actions contravene established precedent, such as XXXX XXXX XXXX XXXX and XXXX XXXX Bank XXXX New York, which affirm the rights of consumers to accurate reporting and proper investigation of disputes. This pattern of non-compliance with statutory obligations and disregard for the CFPBs 2012 bulletin underscores Experian 's failure to uphold consumer protections under the FCRA.
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns with Zelle regarding handling its disputes. In light of the recent CFPB lawsuit with them highlighting significant issues with their platform. I have used Zelle numerous time on different accounts and I had to report discrepancies on multiple occasions, leading to to create multiple accounts, Zelle still failed to investigate my claims adequately. They informed me that covering lost funds was impossible, ( which is ridiculous considering it is connected to the bank ) and tracking transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect customers but has also allowed repeat offenders to exploit the system leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about customer safety.