23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My daughter and I was in a car accident I received text messages and letters about a bill its also impacting my credit score
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act.The list of account bellow has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

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 instruction. 15 U.S.C 1681c. ( a ) ( 5 ) Section 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. 

XXXX XXXX XXXX  Automobile Dealers, Used Inquiry date : XX/XX/XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX XXXXXXXX XXXX  XXXX All Banks - non specific Inquiry date : XX/XX/XXXXXXXX XXXX Personal Loan Companies Inquiry date : XX/XX/XXXX US SM BUS ADMIN ODA Federal Government Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXXt XXXX Inquiry date : XX/XX/XXXX XXXX BANK XXXX Bank XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX US SM BUS ADMIN ODA Federal Government Inquiry date : XX/XX/XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX 2020
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate reporting has caused stress an anxiety the last 2 years fighting the Credit Bureaus of violations that they choose to ignore. Late, missed payments, each bureau reporting different payment history information has caused damaged to my life along with XXXX. I've received mail stating these accounts been verified and still today I have yet received my wet ink signature on none of these accounts. I inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. This is Aggravated Identity Theft pursuant to 18 U.S.C 1028A. You have knowningly transferred, possessed, or used, without lawful authority, means identification of me which is a felony. 
It so sad that you send documents in to the Bureau and they don't their job.
Product: Mortgage

On XX/XX/2021, my mortgage with Flagstar was paid off as part of a refinance process. According to their records, Flagstar issued a refund of the escrow balance on XX/XX/XXXX. 

On XX/XX/2021, having still not received the check ( or receiving notice that it was actually mailed through USPS Informed Delivery ), I called Flagstar to follow up. The customer representative claimed that company policy was to wait 3 weeks after the initial check for a reissue. 

On XX/XX/2021, I called in again and a customer representative claimed that they could then put a stop notice on the previous check and issue a new one, and gave a reference number for the process. However, the timeline that they provided was that it would be another 3 weeks from that point for the check to be processed, and then additional time for mailing. 

I do not believe Flagstar has the processes in place to comply with 12 CFR 1024.34, which requires refund of escrow balance within 20 days of a borrower 's payment of a mortgage loan in full. I still have not even received the earlier check that Flagstar claimed to send in XXXX ( or seen it appear in USPS Informed Delivery ), so I doubt whether it was ever sent in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

SoFi loan number Loan # : XXXX Loan was paid in full {$14000.00} payment on the SoFi loan listed above. Confirmation number is XXXX on XX/XX/2021. 

As of XX/XX/2021 SoFi has not reported the correct loan balance of XXXX to any of the credit reporting agencies. XXXX with SoFi they responded that they have up to 30 days to report the loan completion. 

SoFi slow reporting violates the FCRA requirements for accurate data.
Product: Debt collection

XXXX XXXX contacted my mother on multiple occasions between XX/XX/2023 and XX/XX/2023. On XXXX XXXX my mother was informed by XXXX XXXX of exactly how much I owe. I called XXXXXXXX XXXX and attempted to inform her what she did was wrong and she hung up on me. Because of who my mom is and her actions, I choose not to deal with her as I have a history of XXXX, XXXX, and XXXX, well my mother turned around and informed 3 family members who then informed me of the issue. This caused me to go to the XXXX with difficulty breathing and right shoulder pain due to dealing with this issue.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, I was scammed on XXXX XXXX by someone who responded to an item I had posted for sale. The buyer claimed she was interested in purchasing my item, and asked if I would accept Zelle for payment. I had used Zelle via XXXX XXXX in the past and thought it was safe way to send and receive money. In my correspondence with this buyer, she claimed that she was unable to send me funds because my Zelle account was not considered a business account. She asked me to check my email, where I found a message from who I believed to be Zelle customer service stating that in order to receive my {$250.00} payment from the buyer, I first needed to " verify '' my account as a business account, and that I needed to send a {$500.00} transfer to the buyer, which was going to immediately and automatically be sent back to me along with the {$250.00} my item was listed for. My understanding was that this was to provide proof of adequate funds. Believing this email to indeed be from Zelle, I completed the transaction, not knowing I had been scammed and that I hadn't received the {$250.00} payment ( this was a fake confirmation email ), but that I had sent {$500.00} to the scammer. What clued me in to the fact that this was a scam was another email requesting a second transfer due to not being able to process my " verification '' as a Zelle business account. I immediately contacted XXXX XXXX to request an interception of this transaction ( case # XXXX ). I was told by the XXXX XXXX agent that she could not intercept the payment, but that she would file a claim to request that Zelle investigate it. I also attempted to contact Zelle directly, but was told to contact my bank. I saw that my payment to the scammer was pending for several days, and I thought that was because XXXX XXXX had held it because of my call, but was dismayed to see that it was processed XXXX days later. On XX/XX/2022 I contacted XXXX XXXX again because I had not received any follow up ( case # XXXX ), and was told that there was nothing they could do to help me and that it was not possible to receive my funds back. I am writing to request that CFPB intervene on my behalf to have my funds returned to me and investigate and prosecute as necessary the perpetrators behind this financial scam.
Product: Debt collection

They filed a credit report with Transunion. The medical provider never sent me a bill nor did I receive anything from CRME Financial. When I called CRME to get my " account '' information they did not even have anything in their system! How can they file against my credit and not even have my account?
Product: Credit card

XXXX did not correctly investigate the disputes, failed to remove fraud, and reinserted errors on my reports. I am asking whether any insurance claims have been filed on this debt. Claims according to 15 USC 1692G
Product: Credit reporting, credit repair services, or other personal consumer reports

the problem I am having withe these credit reporting bureaus they don't do a proper investigation to the disputed items I have on numerous occasion submitted disputes with XXXX/XXXX/and transunion that meet all the fcra guide lines and they come back verified and updated in 10 days or lees as then I ask them of there method of verification and I have also requested these things in writing and I Never have gotten them either all I want is a fair and accurate credit report that's afford to me by the fcra these company are breaking the law in a numerous ways by not being transparent and they will not comply to the rules of the fcraXXXX lies about how they verify accounts they verify my accounts as accurate and these accounts are not attached to an address or my name and they refuse to there jobs by removing them and transunion sends stall letter thing to buy more time or on most cases they just don't respond or when they they just refuse todo an through investigation so they ksut verify and says it updated and XXXX never responds within the 30 days allotted and they always come back updated and verified with no thourgh invetigationand most of all none of these bureaus do a thorough investigation on any of these disputes and the consumer has no chance at a fair and accurate report as supposedly afforded them by the FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified letter to Equifax on XX/XX/2021 notifying them about the violation they made with my account in accordance to the XXXX law XXXX XXXX XXXX XXXX Permissible purposes of consumer reports code which says that any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other ; ( XXXX ) In accordance with written instructions of the consumer to whom it relates. 

I, XXXX XXXX never gave Equifax any written consent to report anything on my consumer report pertaining to a bankruptcy, no consent is identity theft. 

For their convenience I also attached a copy of the law to the letter. They then forwarded a letter to me stating that regardless of what the XXXX law says, that the information will remain, further violating the law. Just to clarify things I am not a lawyer, and I am not a credit repair company. I am the actual real life consumer making this complaint. I am a well informed consumer that can read and comprehend law. This item XXXX BK CT EAST DIST MIC XXXX needs to be deleted immediately or I will pursue legal action against Equifax.
Product: Mortgage

In XX/XX/2023, I paid {$500.00} for a Home Appraisal through Rocket Mortgage. The appraisal report had a lot of errors such as actual square feet. The appraiser only took pictures of the home. He identified the dining room in the pictures submitted as a bedroom. The Sketch Addendum doesn't show the dining room or the extra bedroom. Picture of out building wasn't included in the report. I believed my house was low balled in value. I have found about 55 - 179 comparable sales of higher valuation. I brought this to Rocket Mortgage attention. On XXXX XXXX, I spoke with XXXX XXXX XXXX appeal representative ) for about 45 minutes. I was told that it was my responsibility to find comparable properties. That afternoon, I submitted 6 properties. On XX/XX/XXXX, I was told I could only submit 3 properties. I submitted 3 properties on XX/XX/XXXX. On XX/XX/XXXX, appeal was denied because the properties that I submitted were not located in the same County as my house. All of the comparable sales were in the same county. On XX/XX/XXXX, I submitted 3 properties that I thought were in the same county. The reply email was " appeal can only be submitted once ''. All email correspondence was with XXXX XXXX. She did not tell me the parameters to submit properties such as how many, they had to be in the same county and that the appeal process is a one time review. The second appeal report was on XX/XX/2023. The Comparable sale for # 2 and # 3 were changed. The value of my house did not.
Product: Credit reporting or other personal consumer reports

I did not authorize XXXXXXXX XXXX to run my credit. 
I did not authorize SYNCB/TJX CO DUAL To run my credit.
Product: Prepaid card

I have a cash app card and money was taken and I can never talk to a person and all they do is replace my card but can never get my money back
Product: Money transfer, virtual currency, or money service

Hello, My name is XXXX XXXX XXXX, and I am a creditor of the bankrupt XXXXXXXX XXXX. I opened my Coinbase account in XX/XX/year> and completed identity verification on the same day. However, my ID was not immediately approved, and I remained in pending status for months, only getting verified in XX/XX/year>. During this time, the price of Bitcoin dropped significantly, and I suffered a loss of approximately {$70.00} due to the delay. 

Had my account been verified in XXXX, I would have been able to withdraw my funds when the price of Bitcoin was around {$68000.00}. However, my account was approved in XXXX, at which point the price of Bitcoin had dropped to {$57000.00}. I would like to know the reason for this delay and inquire whether my financial losses can be compensated. 

Please review this situation and kindly provide a response. 

Thank you, XXXX XXXX XXXX
Product: Debt collection

I have spoken to the collection managers at myquickwallet.com. I told them I am not refusing to pay and I had made some payments but right now I can not. The manager XXXX said that she would make sure that my life was impacted negatively. She continues to call my job during the day and mow my job is making it a big issue and I 'm being reprimanded for it so to speak. The company is not even calling my phone anymore they just continue to call my job, and told the receptionist that I am telling them to contact me there.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a complaint XX/XX/2022 regarding this issue and the representative did not address my initial concern. My initial concern was as follows : In accordance with the Fair Credit Reporting act XXXX 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 15 U.S.C 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 The initial complaint number was ( XXXX ). The company response was not handling my issue with this violation stated above. I am resubmitting my complaint due to that error on the companies end. XXXX and XXXX have processed my request accurately. Please remove late payments as reporting this on my credit report is a violation of my rights.
Product: Money transfer, virtual currency, or money service

I made a wire transfer on the XXXX of XX/XX/2022 of {$17000.00} to JP MORGAN CHASE Bank account of XXXX XXXX XXXX XXXX XXXX. Chase bank has received the funds but the recipient has not received any funds yet. CHASE BANK is still holding the money without sending me a refund nor sending it to the intended recipient.
Product: Credit reporting or other personal consumer reports

Re : AMERICAS CAR To Whom It May Concern : ( AMERICAS CAR ), ( XXXX XXXX ) I am writing in regard to the above-referenced accounts and transactions. This vehicle was repossessed by ( ( AMERICAS CAR ), ( XXXX XXXX ) Please provide me with the pre and post sales letters, I never received them this account can not be reported to any credit agency without my written consent or the pre and post sales letters mailed to me. Under the laws of the State of ( State where the car was repossessed ) State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC Article 9 remedies.
Product: Checking or savings account

My email complaint to Wells Fargo summarizes my problem. 

I am trying to get my name off of XXXX of my children 's accounts. They are now all adults and no longer need / want a joint account. I live in XXXX, they live in Minnesota. 

1 ) XXXX to XXXX # I was told that we need to go to the bank together. 

2 ) XXXX the XXXX #, inform them I can not get us at the same bank at the same time. I was told they could accommodate me by going to a branch and getting paperwork started. 

3 ) XXXX-I go to the XXXX bank and was warmly greeted by a young man. I explained my need and he said they could accommodate me. They were busy and I was unable to stay because of another appointment. The young man suggested I come back Saturday. 

4 ) XXXX-I go to the XXXX branch. I was told by a young man they could not accommodate my request unless all parties were in a bank at the same time. This is not possible due to schedules. I said that differed from what I had been told, he said always call a branch, never the XXXX # and he could not help me. No empathy or care was shown. 


I need this accounts separated NOW!!!!!!
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX was the star of fraud claims against my Paypal account. i opened disputes telling Paypal that i am not a seller, do not have an internet store and to not accept these claims.The claims were for exact amounts $ XXXX, contained no description of item and often notices came in French language. 

I called the Paypal phone line in California, went through the auto-menu process, they do not have live persons handling the phones due to Covid and still charges/refunds were being made. 

after a week of not shutting down the account to stop the crime i sent a certified letter to the company which was recieved but i havent had a reply from them in over 3 weeks.

i am reaching out to the CFPB for help. there is an internet criminal that is taking advantage of PAYPAL, some innocent buyer and myself. Currently the loss of monies is over {$1000.00}. that is just my loss i imagine that the criminal is doing the same to others making millions of dollars off of cyber crime.
Product: Credit reporting

Listed on my credit report is a XXXX account which all XXXX credit companies claims was updated and verified on XX/XX/2017 I called XXXX and they stated that there is no account listed under my social security number. name and or date of birth which means they are fraudulently reporting incorrect information on my credit report, I am requesting a removal with in 15 days.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XX/XX/year> XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Re : Dispute of Collection Account # XXXX Dear Sir/Madam, I am writing to dispute the collection account referenced above. I believe that this collection account has been placed on my consumer report in violation of several federal regulations, and I request that you immediately remove it from my credit report. 

Violation of 12 CFR 1006.34 ( b ) ( 5 ) : Your agency has failed to provide the required validation information for this debt. According to 12 CFR 1006.34 ( b ) ( 5 ), you are required to furnish detailed validation information before reporting this debt to any consumer reporting agency.

Violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : I have not been given an opportunity to dispute this account. Under 12 CFR 1006.34 ( c ) ( 4 ) ( i ), consumers must be given a reasonable period to dispute the validity of a debt before it is reported to consumer reporting agencies. 

False and Misleading Representations : Your agency is in violation of consumer rights by using false, misleading, and deceptive means to collect this debt. This is a direct violation of the Fair Debt Collection Practices Act ( FDCPA ). 

Violation of 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ) : Your agency has no authority to furnish information about this account to any consumer reporting agency without providing all the required disclosures. By failing to do so, you are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ).

In light of these violations, I demand that you immediately : Remove this collection account from my consumer report. 
Cease all collection activities related to this account. 
Provide me with written confirmation that this account has been removed from my consumer report. 
Please treat this letter as a formal dispute of this debt under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Failure to comply with these requests will result in me filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and potentially seeking legal action. 

I appreciate your prompt attention to this matter and expect a response within 30 days. 

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

I have a Venmo account and a Venmo mastercard I use this as an easy way to get paid of jobs I do as a XXXX on XXXX and XXXX   XXXX. I also use it as a way to collect rent or deposits from current of new roomates whom rent to. I had just received XXXX from a new roomate for rent and deposit and was trying to Venmo the tenant moving out but could not complete Transfer. The next morning I finally get hold of customer service they ask me to take a picture of my id and email it to them. I do this and then get an email saying that I should link my bank account and and do the Transfer somewhere else. Ok weird, then I get an email saying that they have permanently froze my account and are taking my money for up to 6 months with no reason why and that they may after 6 months decide to keep my XXXX dollars. They have not responded to my emails and 5 days later I still do not have access to my money. 

Please Help me
Product: Mortgage

My name is XXXX XXXX. I am the sole successor trustee and successor-in-interest of the subject property of this complaint. The property is located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I filed an application with the MO Homeowner Assistance Fund to assist me with reinstatement and my application was denied. I have applied for mortgage assistance with Select Portfolio Servicing. I recently was informed that the servicer contacted an unauthorized third party and discussed the status of my mortgage account. Since I am the sole third party listed, this is a CFPB violation and also a HIPPA violation of my privacy rights. My sister, XXXX XXXX was contacted today, XX/XX/2022 between XXXX and XXXX PST and was advised that the property was in foreclosure and was going to trustee sale in XXXX. Select Portfolio Servicing had no right to share or disclose information on this account to XXXX who is not authorized on this account. 

Once I submit an application ( RMA ) for assistance, it was my understanding that the foreclosure sale date is to be placed on hold while the application is under review. I would like to know what my recourse is based up on this blatant violation of my privacy rights.
Product: Credit reporting or other personal consumer reports

I have attempted on multiple occasions to obtain proof of my late payment when I have never paid anything late as you can see on my credit report. I have XXXX XXXX homes and many auto loans in the XXXX XXXX XXXX and have never paid anything late. This is a reporting error on behalf of XXXX XXXX XXXX and the credit bureaus have failed to correct it. This account is now closed and paid off but the late payment for XX/XX/year>2024 is incorrect. Please help me in getting this issue resolved so they can reverse the late payment thank you.