23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XX/XX/XXXX, I paid off my mortgage, and Mr. Cooper failed to file for the Satisfaction of Mortgage under the time frame required by XXXX. 

New York Real Property Actions and Proceedings Law ( RPAPL ) Section XXXX and New York Real Property Law ( RPL ) Section 275, both require banks and mortgage holders to issue and record mortgage satisfactions within 30 days of being paid in full. 

It took Mr. Cooper almost ( 2 ) two years to complete their responsibility. The Satisfaction of Mortgage was filed on XX/XX/XXXX. Clearly, violation of RPAPL Section 1921 and RPL Section 275.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive never been late on my account I was to to dispute it on my end and they Best Buy would update the credit bureaus with the correct information and for me to wait till the next billing cycles but they never fixed the problem and the late payment caused me to get denied on my refi
Product: Money transfer, virtual currency, or money service

I've been trying to get in touch with ANYONE from Cash App ( Square ) regarding them closing my account without any noticed with {$2100.00} in it and have been giving me the run around for WEEKS. This whole thing started XX/XX/19 It is now after the XXXX and my rent money is stuck in this cash app account! I have attempted to contact them over 20 times all together via the app support, email, and twitter support page over the last few weeks & have been given a generic response or someone from XXXX saying they will handle is as soon as possible and then never responding again. I gave all the information they requested and now they are completely ghosting me. I reached out to their support on XXXX, explained everything and the response was " We're sorry that you're experiencing confusing regarding the decision to deactivate your account. Once your Cash App account has been deactivated, we aren't able to reinstate it. Any future attempts to create an account may result in deactivation as well. We know this can be quite frustrating! Unfortunately we can't share account specific information on XXXX. To gain some clarification, please review our TOS : squareup.comXXXX  '' I responded back letting them know I was not attempting to open the account back up but I AT LEAST need to get my {$2100.00} out of my account! Radio silence ever since! I don't know what to do anymore. I am not going to be able to pay my rent this month without my money and I have no other way or getting in touch with anyone! SOMEONE PLEASE HELP ME I'M BEGGING YOU!
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance {$270.00} XXXX XXXX XXXX XXXX  Balance : {$200.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Balance {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I sent {$250.00} from my Chime checking account to " XXXX XXXX '' using the " pay anyone '' feature which I had used several times in the past. I had also used this feature to send XXXX money in the past with no issues ever until this time. XXXX received a notification to claim the money since he was not a Chime account holder at the time and you dont have to be. When he clicked confirm via the text message he received, it typically takes him to a window to enter his debit card info in to accept the funds. In this case, it did not take him to that screen and the link automatically disappeared. We both called Chime several times since then and I even filed a dispute on XX/XX/year> which Chime rejected within 5 hours. On XX/XX/year> we had called Chime together after the issue and XXXX opened a Chime account with the hopes it would be easier for Chime to trace the {$250.00} and credit his Chime account. The Chime rep on the phone looked into the issue and gave us reassurance several times that the money would be in XXXX account within 1 hour. I have asked Chime for a recording of that phone call and they have ignored it. Now I am out of {$250.00} from my account and the recipient never received it on his end. I would imagine the XXXX have a way to track any money transfer from its origin to final destination. Right now the {$250.00} is sitting in limbo and I need it back in my account or have the recipients account credited.
Product: Credit reporting or other personal consumer reports

I called transunion, and they gave me a scam number to contact regarding a credit dispute. The scammers took my info, I don't know what, I hope it was not my social. 

Transunion was negligent in this action. This caused me to compromise my identity. Now I can not apply for apartments. 

I would also like to report the scam. The number is XXXX. They were posing as XXXX XXXX when I had a question about my credit report. But TRANSUNION GAVE ME THE NUMBER IN A LIVE AGENT CHAT. 

The scammer called me back from XXXX several times. 

I want transunion to be held responsible as well.
Product: Credit reporting or other personal consumer reports

I am filing this complaint because Experian has failed to properly investigate and verify accounts that i have disputed as inaccurate on my credit report. Despite providing detailed information and evidence to support my disputes, Experian continues to report inaccurate information without demonstrating that the information has been thoroughly reviewed or verified as required under the Fair Credit Reporting - Act ( FCRA ), 15 U.S.C. 1681i.

Experian 's failure to comply with the FCRA is causing me significant harm, as these inaccuracies are negatively impacting my credit profile and financial well-being. Specifically : Experian has failed to notify me of the methods used to verify the disputed accounts. com Experian has not provided any proof from the furnishers of the disputed information to confirm its accuracy. 
My disputes have been dismissed without proper reinvestigation, as required by law.
Product: Student loan

Citibank sent the cosigner, my mother, a letter demanding full payment of my private Citiassist loan which startled her almost to a state of shock. They claimed after repeated requests I 've failed to make required payment on the loans. Citibank claims the loan charges off after 120 days. I have a past due balance of less than XXXX and paid them a monthly payment less than thirty days prior. When I called and asked why only my cosigner received this letter, the flustered correspondent sent me to an escalation specialist ( # XXXX ) who refused to explain anything and literally only asked when I would like to make a payment for the full due balance and never answered for their dishonest attempt to shake down my mother behind my back.
Product: Credit reporting or other personal consumer reports

I have tried to dispute this with XXXX but they keep saying the information is reported as accurate. They are the only ones reporting my closed accounts as open. Its showing US department of education XXXX loans XXXX for {$2000.00} and something and XXXX for {$3000.00} something. They were consolidated in 2024 and closed but now theyre listed as XXXX XXXX They are affecting me getting a mortgage loan. I need them removed
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XX/XX/2023 XXXX AU XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 SENSIBLE AUTO LENDING LL XX/XX/2023 XXXX XXXX XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act XXXX account 1234 has violated my rights.

15 U.S.C. 1681 section 602 A States I have rights 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 instruction. 


XXXX  XXXX Original creditor : Balance details 0 % of this account is paid off Balance on XX/XX/XXXX {$140.00} Original balance {$140.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/XXXX Comments No Comments Statements No Statements Contact info Name XXXX XXXXL Address XXXX XXXX XXXX XXXX, GA XXXX Phone number ( XXXX ) XXXX Is everything correct?
Product: Checking or savings account

I received a email from Chime bank saying that my account was suspended for suspicious activity. They never stated what activity. In the email they requested copies of my state issued Id and another form of proof of address and a explanation of the funds in the account. I supplied all information the same day I got the email. I never heard back from them for a week. I called and emailed every day. I finally got a email back from them saying they were closing my account and I was not due a refund. And they could not give me any more information. I tried calling several time and can not get through to a live person. Meanwhile my income tax both federal and state are in the account and Im they telling me I cant get my money with not explaining how is this even possible. I submitted everything they have asked of me more than once and I have yet to hear back from the bank.
Product: Student loan

I called Mohela on XXXX to request options for a lower monthly payment. They informed me that there was nothing they could do for me, but gave me a phone number to call ( XXXX ) to apply for loan consolidation and lower my payment. 

I called the above number and spoke to XXXX XXXX XXXX. They told me that there was a way to consolidate my loans and have {$70000.00} of my debt " forgiven ''. They also said I was able to lower my monthly payment from {$1300.00} to just over {$300.00}. 

They had me sign some forms electronically while I was on the phone with them and also asked for my XXXX password so they could log in on my behalf. 

Afterwards, I found out this was a scam, and that Mohela gets a kickback for all the referrals they send to them ( it's all over the internet ). When having my solicitor read over the paperwork, XXXX XXXX XXXX slipped in that they charge {$3700.00} for this " consolidation '' service, which can be completed for free on the XXXX website. This fee was also never discussed during the phone call. 

In short, Mohela should never have referred me to XXXX. XXXX should be held responsible for not disclosing all of the terms of the contract, including the fee. Both of these companies are doing an incredible disservice to the millions of student loan borrowers who are desperate to pay back their loans in an affordable manner.
Product: Checking or savings account

Company U.S. Bank XXXX XXXX I'm writing to express my disappointment and frustration regarding the promotion bonus for the XXXX Checking Account ( promo code XXXX ). Despite meeting requirements, including direct deposits exceeding {$10000.00} within XXXX  days, my {$500.00} bonus wasn't posted. 

*Timeline* - XX/XX/scrub>XXXX XXXX XXXX  : Applied and approved for XXXX  Checking Account - XXXX XXXX XXXX : Confirmed eligibility with representative XXXX - XX/XX/scrub>XXXX XXXX XXXX XXXX  Representative XXXX verified requirements and promised follow-up - XX/XX/scrub>XXXX XXXX XXXX  : Representative XXXX repeated promises - XXXX ( fourth call ) : Representative Candy investigated and uncovered issue *Issue* Previous non-Smartly account was mistakenly considered, voiding eligibility. No notification was received. 

*Resolution* Spoke with XXXX XXXX, who apologized for inconvenience. 

XXXX - XXXX of transparency - Miscommunication - Unacceptable business practices- Discriminating I request justice and resolution for this frustrating experience. 

I have all of relevant documents and recordings to support my case.
Product: Credit reporting or other personal consumer reports

Two unauthorized hard inquires is on my credit report that I didn't authorize and need to be removed under the US Consumer law.
Product: Debt collection

I Called To Get More Information On A Debt Through Portfolio Recovery. I Was Wanting To Pay Off An Account And Get The Information Deleted Off My Report. I Spoke With A Lady Agreeing That This Could Happen. So On XX/XX/XXXX I Paid The Account Off But Now XX/XX/XXXX The Account Is Still Listed On My Report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have hard inquiries on my credit report The names of these hard inquiries are XXXX XXXX & XXXX the dates of the these fraudulent inquiries as of today. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX On my XXXX i currently getting it disputed Im trying to get a police report, I was told to file a police report. Also on my XXXX I have only three hard inquiries they are XXXX XXXX ( bank ),, XXXX XXXX XXXX XXXX and XXXX
Product: Debt collection

I receive 3-4 calls a day from XXXX. Every time I answer, the phone immediately hangs up. 

When I call the number back, a representative says the call is being monitored & asks for name. Representative then pretends that they ca n't hear me when I ask what the call is about. After the rep. says " Hello '' 3 times, they hang up.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Hard Inquiry Removal Request There are a couple of inquiries made by XXXX XXXX that should be counted once, Therefore one of the two of the same inquiries should be removed from my credit report. The Law clearly states that : *_Multiple inquiries of the same type and made within a short period of time may only be counted once. ( Please see above ) If Companies can place ONLINE anything they want in Peoples Credit File without verification, subsequently and fairly the owner of such Credit File should be able to do the same and use ONLINE services to dispute these Companies ' claims. 

_ Experian DENIED me the right to dispute a Hard inquiry by XXXX XXXX from Online services ( Please see above )
Product: Debt collection

THIS BANK IS PURPOSELY AND FALSE REPORTING INFORMATION THAT IS NOT TRUE TO THE 3 CREDIT BUREAUS.THIS ACCOUNT WAS NOT OPENED ON XX/XX/2017. THEY ARE PURPOSELY REPORTING USING FALSE DATES. THIS ACCOUNT IS OVER SEVEN YEARS OLD. AND SHOULD BE REMOVED.
Product: Credit reporting

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida Upon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen I have included a copy of the police report attached to this letter I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; DIVERSIFIED XXXX # XXXX XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX XXXX ACC # XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Debt collection

RE : Request Investigation of Credit Inquiry on My Behalf Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that your agency showed credit inquiries that I find to be problematic. The first inquiry in question was apparently made by Nemo 's Collection on XX/XX/2021 and I have no recollection of doing any business with Nemo 's Collection. I am in the process of contacting Nemo 's Collection but no phone number is on the credit inquiry. I would like a detail report of who this company is and why the company chose to file on my credit report before calling me or sending me some type of notification regarding this negative reporting. Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. Thanks for your prompt attention to this matter
Product: Checking or savings account

I initiated a claim for {$16000.00} dollars on my business account on XX/XX/XXXX, a few days later I cancelled the claim as we realized that the charges were valid. TD bank said they could not cancel the claim and to deal with the merchant. The funds were taken out of the merchant 's account and I then paid the merchant {$16000.00} dollars in the form of a wire transfer. TD Bank was supposed to credit my account back by XX/XX/XXXX as they have the funds from the merchant. We cant get an answer from the claims department and customer service or the branch are unable to help. We need our money credited to our account ASAP as we have now essentially paid the merchant twice. 

I have provided TD bank with proof of payment to the Merchant and proof that the merchant also has the funds taken from there account and that TD has the funds. I was told that if the merchant didnt challenge the claim by XX/XX/XXXX the funds would be credited To my account this has not happened yet and no one has answers. 


The lack of communication is unacceptable and needs to be fixed. 
They are holding {$16000.00} of my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the credit bureaus about the closed account reporting as being open when the original contract for the loan was misrepresented. The vehicle was financed through XXXX XXXX XXXX and repossessed four years. The sales man of the vehicle XXXX XXXX stole my {$5000.00} down payment and never factored into the direct loan. He has since been incarcerated for doing this, also I never received any notice of defiency or redemption. Ive been arguing to have this removed from my credit score for years without the agencies properly investigating this even when I sent in proof.
Product: Money transfer, virtual currency, or money service

Cash App to add XXXX to my account and never received the funds was told I had several accounts but it was my first time opening in XXXX 2020. I do have several email where I attempt to contact support service for cash app was not help to me. The only things was told to me that they don't send mobile message about funds being added to my account they send emails.
Product: Credit reporting or other personal consumer reports

This letter serves as a formal demand for immediate action to address your blatant violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in handling my dispute regarding fraudulent information resulting from identity theft. Your failure to act is both unlawful and intolerable.

Violations of Federal Law 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Despite receiving my comprehensive dispute, including the FTC Identity Theft Report and supporting documentation, your agency has flagrantly failed to conduct a reasonable investigation into the fraudulent accounts. Ignoring evidence is not an investigation.

2.Failure to Provide Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) Under the FCRA, you are required to notify me of the results of your investigation within 30 days. To date, I have received no such communication. This complete disregard for transparency further underscores your negligence and lack of compliance with federal law.

3.Failure to Block Fraudulent Information ( 15 U.S.C. 1681c-2 ) You are legally obligated to block fraudulent information upon receipt of an identity theft report. By failing to do so, you continue to willfully allow the publication of inaccurate, damaging information in violation of my rights. 

Legal Precedents Highlighting Your Liability Your actionsor lack thereofare not without consequence. Courts have repeatedly held credit reporting agencies accountable for similar misconduct : XXXX XXXX TransUnion XXXX ( XXXX ) : Reinforced your obligation to conduct meaningful investigations beyond relying on furnishers data. 
XXXX XXXX XXXX, XXXX ( XXXX ) : Confirmed that credit bureaus may not shirk their duties by delegating investigations to furnishers. 
XXXXXXXX XXXX TransUnion LLC ( XXXXXXXX XXXX : Demonstrated the severe consequences of failing to comply with FCRA obligations, including class-action liability and significant damages. 

Demand for Immediate Action I demand the following actions, without delay : 1.Conduct a thorough and reasonable investigation into the disputed accounts and fraudulent transactions.

2.Provide a comprehensive written explanation detailing your investigation process and results.

3.Permanently remove or block all inaccurate information associated with my identity theft.

Failure to address this matter within the FCRAs legally mandated timeline will leave me no choice but to escalate this issue. I will : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Seek damages through legal action, including but not limited to statutory damages, punitive damages, and recovery of attorneys fees, as permitted under 15 U.S.C. 1681n and 1681o.

This letter is your final notice to rectify your violations. Your failure to comply will be viewed as willful non-compliance with federal law, and I will ensure that the consequences of your negligence are pursued to the fullest extent. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 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 XXXXXX/XX/XXXX