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

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Checking or savings account

XX/XX/2022 MY CAR WAS BROKEN INTO AT XXXX XXXX XXXX, THE XXXX TEXAS. CALLED THE POLICE TO MAKE A REPORT. ( XXXX XXXX CASE # XXXX XXXX XXXX XXXX XXXX. CALLED THE BANK TO CANCEL MY DEBIT CARD AND CHECKING ACCT. WEEK LATER XX/XX/2022 A BRANCH MANAGER CALLED ME LET ME KNOW SOMEONE WAS AT THE BANK WITH MY DOCUS TRYING TO WITHDRWAL XXXX SHE DENIED THE TRANSACTION BC THE LADY DID NOT MATCH MY SIGNATURE NOR SHE LOOKED LIKE ME. MINS LATER ANOTHER WELLS FARGO MANAGER CALLED ME TO APOLOGY BECAUSE SHE DID NOT PAY ATTENTION TO THE ACCT, THAT WAS ON FRAUD ALERT. THIS PERSON WAS ABLE TO WITHDRAW XXXX. FROM THE NEW CHECKING ACCT. A FRAUD COMPLAINT WAS FILE 1ST REF # XXXX THEY TOLD IT WILL TAKE ABOT 7-10 BUSINESS DAYS TO RESOVLDED MY ACCT. TODAY I CALLED TO CHECK ON THE STATUS AND WELLS FARGO TELLS ME NO COMPLAINT WAS ISSUE ON THAT XXXX OF MONEY. THAT THEY HAD TO FILE A NEW COMPLAINT FOR THAT XXXX. NEW REF # XXXX. I HAVE BEEN WITH WELLS FARGO FOR YEARS AND THIS IS NOT RIGHT. WHO IS NOT GOING TO FILE A COMPLAINT WHEN SOMEONE ELSE TAKES THEIR MONEY. I DEPEND ON THAT BECAUSE BC IM CURRENTLY XXXX XXXX XXXX. THIS HAD BEEN EMOTIONAL STRESS AND PHYSICAL. I NEED SOMEONE TO PLEASE LOOK INTO THIS ACCT OR CASE. ALSO THEY TOLD MY THAT MY NEW ACCT WAS GOING TO BE ON FREZZED MODE THAT NO AUTOMATIC MONEY WAS GOING TO BE ABLE TO COME OUT. AND THEY HAVE NOT DONE SO. NOW MY ACCT IS ON NEGATIVE BECAUSE AL MY AUTOMATIC PAYMENTS ARE BEING PULL. THIS IS SO UNPROFESSIONAL.
Product: Mortgage

Company started misapplying trustee payments in 2018 I tried to get the 200 % annual escrow balance fixed as payments are split from whole payment to P & I and escrow. I wanted the overage applied to payments. 
They denied errors, while their own records show overages for 4 years. In fact because XXXX XXXX got the trustee payments and Cooper collected monthly payments Cooper lost all of my trustee payments. 
This caused 2-3 unneeded additional agreed arrears being added to my plan payments, then a dismissal. 
I was charged for BPO and recived a copy. They were going to foreclose on me even when I had a grant they would not even consider the possibility there was error. But there was. 
I deserve compensation for these actions attached more detail
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. Was paid and offered delete for payment the account has not been removed by the credit bureaus. XXXX XXXX XXXX XXXXXX/XX/XXXX. This belongs to an ex spouse. XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX this account belongs to an ex spouse. XXXX XXXX XXXX accounts never opened accounts with them. These need to be removed. All of these accounts need to be removed from my credit file.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( XXXX XXXX XXXX  XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA XXXX Code XXXX since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX Bank account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax fraudulently illegally and intentionally withholding anticipation refund, fresh start to conspired against employment subsidies plans permanent protection plans on XXXX XXXX XXXX And XXXX XXXX XXXX causing Homelessness on XX/XX/XXXX form Homeowners Parcel permanent paid in full address XXXX XXXX XXXX XXXX , louisiana XXXX stolen by fraud and forced scams taking Internal revenue services public transportation subsidies programs tax payers and first time Homeowners Deeds that holds certain pieces or portion of Ground together with all of the buildings and improvements and all the rights, ways, privleges servitudes and Advantages in XXXX XXXX state of louisiana XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX bounded by XXXX XXXX , XXXX XXXX , XXXX XXXX and XXXX as shown on survey by XXXX XXXX XXXX dated XX/XX/XXXX return Homeowners 100 % Deed property address XXXX XXXX XXXX XXXX , louisiana XXXX back to rightful owners XXXX XXXX XXXX & XXXX XXXX XXXX immediately ASAP stamped forever Free from salvay under signed notary by Attorney XXXX XXXX XXXX until death by signed on XX/XX/XXXX foward to XXXX XXXX Government Building and convenience office and resolution matter resolved and restore back To rightful Homeowners XXXX XXXX XXXX And C/o XXXX XXXX XXXX immediately removing off property XXXX XXXX XXXX XXXX , louisiana XXXX forever XXXX XXXX XXXX and XXXX XXXX XXXX eviction notice served now by XXXX XXXX Sheriff 's and XXXX XXXX Constables and fraudulently fake fase Default desion against XXXX XXXX XXXX And XXXX XXXX XXXX rightful Homeowners of property address parcel # XXXX permanent Homestead exemption records of receipts and closing costs paid in full notorized by Title Insurance underwriter XXXX XXXX XXXX XXXX producer license # XXXX notary public Bar XXXX state ID number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under and open end consumer credit card plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I have identified serious billing errors under XXXX XXXX XXXX XXXX ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least 21 days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed ' or removing them entirely from my credit report.
Product: Student loan

I've been offset again this year for loans. I'm not sure what the meaning of economic hardship means to the Dept of Education, but I'm a single parent, with five dependents. My income is below the poverty level, one of my children is XXXX and receives SSI due to the lack of income. I don't understand how I don't qualify to file for a hardship even if I had to apply two years ago and my income has decreased since then??? My family is homeless, and I have a vehicle that is in need of repairs. We live in a rural area where there's no public transportation to get around, and simply can't afford to have this money taken away. I got no letter, the XXXX XXXX XXXX XXXX did not provide the most up to date info in reference to offset info. I was under the impression that this was a legal requirement. I need help here please.
Product: Credit reporting or other personal consumer reports

The following unauthorized inquiries on my credit report that I would like removed. 

XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX According to the FCRA these unverified and unauthorized items must be removed.
Product: Consumer Loan

My account with Miss managed by reps causing me to be further behind affecting my credit report when I was told different by reps that claimed I could make arrangements to avoid going negative on my account when I was not able to afford to make a full month 's payment. When I unexpectedly went into collections for my loan I was surprised I was assured I would be in good standing then when I called in to address the situation I was yelled at, I was contradicted and I was asked " my version '' of the events when I confronted the ref who had made the mistake he said quote he works so many accounts I ca n't really recall what happened
Product: Credit reporting, credit repair services, or other personal consumer reports

1 Identity Theft US DEPT ED Account Number : XXXX**** This is not mine.

2. Identity Theft FEDLOAN Account Number : XXXX**** This is not mine.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under 15 USC 1681 Section 602 states I have the right to privacy ; 15 USC 1681 Section 604a Section 2 consumer reporting agency can not furnish an account without my written instruction ; 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Mortgage

JPMorgan Chase is a XXXX participating servicer. XXXX allows for full lien extinguishments I requested and was told that I qualified for full extinguishment of my second loan ( Loan # XXXX ) after I provided all requested documents to JPMorgan Chase including the XXXX Certification, XXXX XXXX and Occupancy Certification form. I have not received the full extinguishment as promised by JPMorgan Chase and have been waiting for two years. 
Under the Second Lien Modification Program ( XXXX ), when a borrower 's first lien is modified under the Home Affordable Modification Program XXXX XXXX XXXX, a participating XXXX servicer, in accordance with any applicable pooling and servicing agreement or other investor servicing agreement, the XXXX servicer may elect to partially or fully extinguish a second lien. 
My first lien XXXX XXXX # XXXX ) was modified under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
Effective XXXX 2013, Treasury expanded the XXXX program to include qualifying first liens that have been modified under the XXXX XXXX Modification requirements. When a borrower 's first lien is modified under the XXXX XXXX Modification requirements and the first lien satisfies the XXXX eligibility criteria. 
Moreover, I was further told by JPMorgan Chase that through the extinguishment program, they would report to the major credit bureaus that the my second lien mortgage would show " paid and closed '' and reflect a zero balance.
Product: Mortgage

Refinanced a property-XXXX XXXX XXXX XXXX XXXX NV XXXX, first payment due XXXX to Plaza Home Mortgage ( XXXX XXXX. XXXX Payment made, on time. Received a letter dated XX/XX/XXXX from XXXX XXXX XXXX stating they had purchased my loan effective XX/XX/XXXX, and all payments should be made to them as of that date. I called Plaza and was told that the transfer was not complete, but should be in effect XX/XX/XXXX. I paid XXXX XXXX. on XX/XX/XXXX. I received a delinquent notice from Plaza dated XX/XX/XXXX with late charges, as well as several calls from their collection dept. I called them and was told it was still in the process of being transferred, ( per XXXX, a supervisor - on XX/XX/XXXX ) but they would get it straightened out. I made another payment on XX/XX/XXXX to XXXX. On XX/XX/XXXX, I received a letter from Plaza-Notice of Servicing Transfer- stating that effective XX/XX/XXXX all payments should be sent to XXXX  ( which XXXX XXXX a part of ), but a different address from XXXX XXXX address. I called XXXX and spoke with XXXX who assured me they have my loan servicing. I called Plaza, spoke with XXXX, a supervisor, who was not helpful at all and basically told me to make the payments ( that I had already paid to XXXX ) again to Plaza. I just received yesterday, XX/XX/XXXX, a mortgage statement from Plaza showing I now owe them {$4200.00}, and no mention of any transfer. I have a payment due on XXXX XXXX, XXXX, and at this point I am really not sure who to pay. I can not pay two companies for the same mortgage, and neither seems to want to correct this problem.
Product: Mortgage

Ditech ( formerly known as Green Tree ) increased my escrow amount by {$58.00} on XXXX/XXXX/16 due to increasing property taxes and insurance. No problem here - except that I was not notified of this increase either my email, electronic statement, mail, nothing. 
The only way I found out about this increase was by logging in and discovering this increase a month later and discovering this increase. 

Also, as I write this on XXXX/XXXX/16, Ditech has received my payment in full according to their " Payment History '' section of their website - however - they still show my XXXX payment as outstanding. It 's almost as if there 's a bug in their website.
Product: Debt collection

I have a collection account listed on my credit reports by a debt collection agency, agency ARS ACCOUNT RESOLUTION I am not aware of this account, and I have always had medical insurance.
Product: Debt collection

creditor filed and issued a judgement/garnishment of wages on an account from XXXX it was charged off. judgement was issued XXXX. a copy is attached. 
this is a time-barred account that has exceeded the statue of limitations. which is 4years in the state of California. I was not notified of the case. they also have my wrong address. my physical address is XXXX XXXX XXXX XXXX XXXX ca XXXX for the last 5-6 years. but I have worked at the same place for 20years. the garnishment was issued to my company. that 's how I found out about it. I received no phone calls in many years about this account. Capital one. Capital one 's attorney is stated to be XXXX case # XXXX
Product: Credit card or prepaid card

On XX/X/17 I went to the XXXX XXXX XXXX ( XXXX IL ) to get eyelash extension. However, services were rendered but everything that was requested was n't done. XXXX install the lashes. I specifically asked for XXXX lashes. She put XXXX lashes on me. I immediately told them I was unhappy and I wanted them removed. They sent me to another Stylist to replace them with XXXX. The next stylist stated that if she was to remove the lashes, by them being newly installed it would remove my real lashes. At that point, I requested a full refund and I was told that they 'll have the district manager to call me. I left to go to my grandmother 's viewing for her XXXX. The district manager XXXX called me and stated that she 'll be willing to give me a full refund. As long as I come back for them to remove their product. Keep in mind stayed there for 4 hours to leave disappointed. The 2nd stylist stated that the new lashes are too new to remove it would pull my real lashes off is why I did n't go back. I felt like I was racially profiled and that was the reason I refused to step foot back in that place. 

Gave Navy Federal my credit card company all this information and they refused to give me my money back after my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This account in in violation of 15 U.S. Code 1681 5 2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) The creditor reporting this inaccurate account failed to notate this account was in dispute within 30 days. Delete this account from my credit report due to FCRA violations. I have requested the information from experian that they use to verify these accounts. Experian ignored my request and sent nothing. I have disputed these accounts 3 times and requested information since XX/XX/year>. Experian just ignore my request for information and notate my account verified as accurate. And never provided any information this used to verify.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, who is submitting this CFPB complaint. This complaint to Equifax was the result of their non-compliance with my request and their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$35000.00}
Product: Money transfer, virtual currency, or money service

Im filling a complaint against cash app ( block Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and seek appropriate redress for violations.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX, I sent a Revocation of Authority to Initiate Electronic Funds Transactions to Explore Credit and can confirm that they received the document ( attached to this complaint ). On XX/XX/XXXX, Explore Credit debited {$50.00} and on XX/XX/XXXX, Explore Credit debited {$500.00}. I never authorized this transaction or rescinded the Revocation of Authority to Initiate Electronic Funds Transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

First I was having problems with XXXX and XXXX. After reporting them so much now its Experian. To many false addresses I Dispute them and nothing happens. XXXX XXXX was removed from my credit report. Now its back on there they are falsely reporting my credit card with the wrong credit limit also. My credit limit is XXXX not XXXX.
Product: Checking or savings account

On XX/XX/XXXX in the early morning, my car was broken into and my wallet was stolen from my center console. Inside my wallet was my debit card with chime. I woke up to XXXX charges for {$120.00} & {$10.00}. I immediately cancelled my card and reached out to chime in order to file a dispute. They assured me that once the dispute was filed, I would receive a provisional credit for the fraudulent charges. I filed a police report with my local station, as well as provided my phone records showing that I was at home at the time the charges were made. I received an email today stating that the fraudulent charges were not eligible for a provisional credit, and I reached out to chime for clarification, but they refuse to give me an answer. They keep wanting me to file a new dispute when I already have an active dispute.
Product: Credit reporting or other personal consumer reports

Equifax is reporting XXXX inquiries that I have not given them permission to release any of my personal information or given permission to these companies to access my personal information. Its a direct violation of my consumer protection rights. 

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

Attention : Consumer Financial Protection Bureau I sent a letter to XXXX XXXX BANK XXXX XXXX disputing an account as erroneous on XX/XX/2021, and mailed XXXX XXXX BANK XXXX XXXX a certified letter, return receipt requested. It is now XX/XX/2021 and I have not received a response from XXXX XXXX BANK XXXX XXXX. 

Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), XXXX XXXX BANK XXXX XXXX has ( 30 ) days to investigate my dispute. XXXX XXXX BANK XXXX XXXX has not verified the information within the 30 day time period, XXXX XXXX BANK XXXX XXXX must delete all of the disputed accounts from my report. XXXX XXXX BANK XXXX XXXX must now delete the disputed and unverified account. Failure to do so may result in a {$1000.00} fine per undeleted item. 

Attached is a copy of the postal receipt of my credit dispute to XXXX XXXX BANK XXXX XXXX and a copy of my original letter showing the account I have disputed. 

Thanks in advance to your timely response to this request. 

Sincerely,
Product: Checking or savings account

On XX/XX/year> I requested Citibank over the phone to close my checking account. Instead of closing the account, she blocked my account. I followed up with Citibank twice, first over chat and later ( sometime early XXXX ) over the phone. In the phone called they mentioned that it can take up to XXXX days to close the account. But to this day the account hasn't been closed. It remains blocked.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX