23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

XX/XX/2023 two fraudulent checks in the amount of {$830.00} each were allegedly deposited into my account from written from XXXX building company. The funds were never in my account yet Wells Fargo debited my account for the amount putting my account negative {$1600.00}. I cant access any of my deposits and no one is fixing the problem. I received copies of the fraudulent checks in the mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts listed below : XXXX XXXX XXXXXXXX Balance : {$370.00} XXXX XXXXXXXX XXXX Balance : {$390.00} XXXX XXXXXXXX Balance : {$11000.00}
Product: Debt collection

Company called under name Jacob Law Group, wanted me to give them all of my information but would n't tell me what they were calling about. When i refused my informatiin, she proceeded to threaten me with legal letters, wage garnishment, and police contact. Then, she hung up on me. I still never got an explanation of what is was for.
Product: Debt collection

On this date company opened a collection. 
Account # XXXX {$2400.00} that I owe I have never signed a written document saying that I owe this debt to collector. 

They are violating my rights as a FCRA as a consumer. 

I dont not know who they are no written consent from my end. 

Also they have not verified that I owe this debt to this alleged company. 

Please have this removed from all three credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Beginning in XX/XX/XXXX, I submitted certified letters to XXXX XXXX XXXX in reference to a charged off balance of {$1000.00} and XXXX XXXX XXXX with a collection balance of {$1000.00} asking for validation of the alleged debt owed. ( eg. my signature showing that I had entered into a contract with them ) I was sent a copy of an invoice from the collection agencies, and a letter from the credit bureaus stating that the account had been verified. I then sent another dispute to the collection agencies asking them to provide me proof and not an invoice showing that the debt was indeed mine. I again received a copy of an invoice and a letter from the bureaus stating the account was verified. 
In XXXX, I sent dispute letters to XXXX and XXXX  requesting validation of the debts reported negatively on my credit reports. I once again received a letter from the bureaus stating the accounts had been validated, but I have received no proof. 
In XX/XX/XXXX, another dispute letter was sent to the bureaus with another response from then stating " validated '', but with no proof of the validity. 
I have been diligently working to have these items removed from my credit file as these items have been impacting me negatively in my pursuit to purchase a home. All I 'm asking is that I am provided with proof that these items belong to me- An invoice is NOT proof. 
Any help that you can give would be greatly appreciated. 
Thanking you in advance!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX  XXXX XXXX  Account Number # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX  Account # 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 a account without my written instructions.
Product: Credit reporting or other personal consumer reports

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

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of Identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I was denied credit because of TransUnion for using my information without giving them written permission XXXX XXXX Dear TransUnion I'm the consumer and natural person, I was denied credit by XXXX when applied for a loan Adverse action against a consumer is AGAINST THE LAW according to the Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k You are subject to criminally liability for violating 15 U.S.C 1691 as I have proof that was discriminated against by Upstart due to the response received.

TransUnion is in violation of 15 U.S. Code 1642.

U.S.C 1681m and 12 cfr 1002 because I, the consumer. made an application in good faith, but credit was not issued. 

Furthermore, because my social security number ( credit card ) was used and received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of TransUnion
Product: Mortgage

Loan estimate and promised cash to close and mortgage amount was suddenly changed two days before my closing date of XX/XX/year>. From the beginning, I grew concern about his integrity and even after expressing it to him, XXXX XXXX repeatedly lied to me to retain my business. On XX/XX/year>, I Attempted to contact XXXX regarding clarification and communication and was blocked from any contact. He had me provide personal information and He also had me open up a bank account and told me I would get {$1000.00} off at closing which was not true. I have no information on closing on my home and will be homeless with my family behind this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent factual disputes to the credit bureaus only for them to leave several items on my reports and claim they were " validated ''. They provided no information of how the investigation was completed, only that it was verified by the creditors. I pull copies of my report every month, and I have informed them that there are several blatant inaccuracies in my report that they continue to " verify '' as accurate with every round of disputes. They have inconsistent account opening dates, inconsistent Date of Last Activity dates, credit limit or high credit amount inaccuracies, and yet they continue to report these on my credit report. 

In addition to these inaccuracies, they are listing addresses that I do not reside at, and incorrectly formatted DOB, as well as having the wrong name on my credit report. Since I share the same name as my father and grandfather, how am I to know they aren't reporting stuff from them to my report if they wont list my name correctly on all 3 bureaus?
Product: Checking or savings account

Since XXXX  I have been locked out of my account so frequently that I don't have the exact dates. Last year it was all summer off and on for a three month period. This time I have been locked out of SSI Direct Express for more than one month. I have been evicted, unable to get my car out of impound, eat, and " daily living '' skills are not applied as my money is more than not frozenby direct express without explanation, notice, orfeaudelent activity. There has been no suspicious activity by myself. I am now rendered homeless. I have not received anything in writing, norhas any investigations taken place. I ask for that information and I am not give an answer. Often documentation I send Direct Express is denied when social security and the department of social services views my identification and tellsmeitisvalid. Social security says that they can no longer help me. I am borrowing money and doing without. Please help me. I amat a total loss as to what ro do andstronglyfeel myrights are being stepped on and that access to my account is not by me, Comerica the bank on emailed my debit card to another address in XXXX XXXX. Please help me regain my rights. They won't allow me to lose my account because they said I can not have my money that legally and rightfully belongs to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX and 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 a account without my written instructions
Product: Debt collection

I am writing to make a complaint against HK Recovery Group , Inc. who collected a money judgement for me that I previously petitioned the courts to approve. My case was initially won in city court against previous rental occupants who refused to pay their rent. A judge granted me an approval to seek a judgment against the defendants. I placed a judgement against the defendants at the judges request, but was unable to collect on the judgement. I contacted HK Recovery Group , Inc. to assist me with getting the monetary judgment. 

I received a letter and check from HK Recovery Group Inc., dated XXXX  in the amount of {$38.00}. The letter attached to the check was itemized for their services rendered. The total amount of the check was for {$410.00}. According to HK Recovery Group , Inc., their services are supposed to be 33 % of whatever amount is recovered. I was not informed of excessive expenses and commission fees. The amount sent to me does not add up fairly. And, I am very disappointed and confused with this deceptive act.

I am requesting assistance in this matter. I have provided supporting documents for your review.
Product: Debt collection

Individual account opened on XXXX XXXX and I requested a detailed letter of dept validation under 15 USC1692g. However more than 30 days have passed and I have not received a response to this request.
Product: Student loan

Duplicate Navient student loan reporting on my XXXX credit report. One is reporting open with a balance and the other is reporting with a XXXX balance with the same account number.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX 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 caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a factual dispute to SETF/ World Omni Financial and they responded with a letter saying one of my accounts was going to collections. The account should have NEVER even been able to be sold off because I first sent them FCRA violations they committed against me. I will attach supporting documentation.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I deposited $ XXXX on my Cash App card at XXXX XXXX, after work I paid my credit card bills with my Cash App card because it has a banking route and account number. At XXXX XXXX  I get a message that credit card payment failed. I looked at my cash app account and find XXXX pending cash withdrawals at XXXXXXXX XXXX XXXXXXXX XXXX minutes apart in the amount of {$210.00} and {$200.00} and contacted cash app in their " chat box '' that XXXX should have cameras at the ATM and to catch this person while transactions are pending, without any response. I emailed cash app and got a response that they do not monitor emails to use the chat in cash app. I declared my card stolen and attempted to call XXXX but no answer. I then called cash app and she gave me XXXX ID Case # 's and said nothing else to do but wait for email and will take up to 45 days to resolve. I had spoke to chat many times with no resolution except that my case has escalated to the email team and they could no longer assist me through chat just to wait for email. This went on for 2 months, emails with no address found returned to me. And with my new cash app card and pin number another attempt from XXXX XXXX, XXXX XXXXXXXX was made on XX/XX/2022. I live in XXXX and have never used any credit card at a XXXX XXXX and my card was not stolen, it has never left my billfold. The Advocate said to get a new card and I said what makes you think I want another card my other cases are not resolved yet and another attempt with my new card can not be disputed because no funds were taken this time. All chats are kept on the app, I have all emails returned to me on my computer. I even wrote a letter to cash app on XX/XX/2022 with no response. I then noted that my statements from cash app stopped at XX/XX/XXXX and asked through chat where is my XXXX to XXXX XXXX statements with no response.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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/XXXX
Product: Mortgage

On XX/XX/XXXX we began the process of refinancing our mortgage with out current lender, Chase. On XX/XX/XXXX we entered a formal agreement with Chase to refinance our mortgage loan. We were told our loan was approved on this date and provided all the documentation required on that date or in a timely manner soon after. On XX/XX/XXXX were notified that everything was approved and that a notary would be contacting us soon to do our final signing. After a period of time passed where we heard nothing we followed up and were notified that Chase now needed additional documentation from our HOA. The documentation they are requiring is not detailed anywhere in the disclosures or agreements we entered into. They are refusing to finalize our loan, providing us no remedy, and lying to us about requirements. They are acting in bad faith of the agreement we entered and are in breach of our contract. We have been following up with them regularly - every day or two.
Product: Mortgage

I previously reported this problem with the mortgage company to the XXXX XXXX XXXX to no avail. My issue is that our mortgage was sold to this company and ever since our mortgage has gone from {$700.00} to {$1000.00} with only {$180.00} or less going toward our principal. I dont see how this is legal and I dont understand how we get penalized for trying to keep a roof over our heads. We were not given a choice of lenders to choose from when our mortgage was sold so there was no other contract to sign but this one. And no one else will take the loan because of the amount owed compared to the value of the home. Im just looking for someone to do the right thing.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 

XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Mortgage

I have been in pursuit of a home modification to my Bank of America serviced mortgage which is also an FHA mortgage since XXXX XXXX. BOA has consistently disallowed my attempt to resolve the deserving modification. I have been vigilant with monthly payments that are inclusive of my escrow and 31 % of my gross income since XXXX XXXX. BOA has brought in a third party and they keep denying that issue. The third party is a collection agency that went under the name of XXXX. In the most recent trial payment that BOA offered the contract stated third party fees would be included in this long term mortgage thru XXXX. I am a XXXX person and my mortgage was taken in XXXX and BOA became my servicer. The XXXX program allows reduction of interest and reduction of principle in most cases also. The bank offered my payments to be reduced to XXXX per month for XXXX trial payments. I completed those then the bank sent a new loan, new loan numbers and in the writing it described the uncertain terms,,, no amount or enclosure details to the third party. I have been making my monthly payments as 31 % of my gross income. my gross income is generated from SS, SSI and food stamps. all of which is unearned income. My income is 33 % below the XXXX indigent level and is non taxable also. I have been attempting to contact BOA with the many telephone numbers that I have been given. All the lines are rerouted and designated to a party that listed as a relationship specialist. I can not even reach customer service for they do not even give numbers to call on the voice mail. I have left ten voice mails in the last week and half. The numbers of contact state BOA but I keep receiving the same voice mail contact. I received a letter dated XXXX/XXXX/XXXX stating XXXX XXXX would contact me. I have had no call from that party either. I received a letter threatening to foreclose because I refused to sign the document that included undisclosed fees to the third party. That is unlawful. I have been paying on my moetgage monthly and as I explained in previous complaints the BOA fails to document them to my credit agencies as partial payments or even as a FHA payment stipulates that escrow is paid then the principle. Please look into this matter as it is unlawful for a bank to not allow recourse or communication to dispute what they do, I have an FHA ticket number of escalation oped from last month and I do not have any info from that either.