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

The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to Equifax and XXXX dated XX/XX/22, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the account to be authenticated ( A ). I will take legal action against Equifax and XXXX if they do not validate the account. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX Balance : {$7300.00}
Product: Credit reporting or other personal consumer reports

Experian and XXXX continue to report this alleged bankruptcy with no validation or verification from the court. I called the clerk of court and they stated they release no such records to any outside party to the filing or legal counsel. I keep asking for verification of this alleged bankruptcy and no such proof exist.
Product: Checking or savings account

American Express will not let me add an external bank account to my online savings account for transfers online. I submitted the required paper documentation to add one, and never heard back. After calling I was told I didnt submit the required documentation, but I did. I was told to call their fraud department which didnt answer the phone. I left a voicemail two days ago and havent heard back. Called again yesterday and went to voicemail again.
Product: Consumer Loan

After experiencing XXXX I had XXXX XX/XX/2015. This XXXX along with the XXXX forced me to take an extended leave of absence from work. I contacted Flagship Credit Acceptance to make my XX/XX/XXXX payment on XXXX XXXX, 2015. When asked why I was 7 days late, I explained about the XXXX without divulging my PHI information- I was XXXX and admitted as an XXXX something rarely done today. The representative wanted to know what body part of mines was operated on. I know that this was definitely a violation of not only my human rights, but PHI ( personal health information ) and he was going to share this information which was a HIPPA violation. I have been also told on numerous occasions by the Flagship Credit Acceptance Staff that they do not offer better terms refinancing on their loans and was advised to contact the dealership XXXX of XXXX regarding refinancing. XXXX of XXXX then refers me back to Flagship Credit Acceptance who continues to do business locking consumers in their predatory lending making it nearly impossible to locate financing with other lenders because like myself I am underwater or upside down in a car loan that is only 14 months old.
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 XXXX Account # XXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX have 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: Checking or savings account

I was instructed to submit my credit card for a {$30.00} deposit charge for my rental car. The car accident happened XXXX/XXXX/XXXX. I was not notified until after XXXX that they were unable to Locate her insurance XXXX and I was subsequently charged {$3300.00} for the rental car while they conducted their investigation. XXXX XXXX refuses to refund my funds due to XXXX error during the investigation. I received a letter from XXXX XXXX advising me if I had documentation that XXXX was going to pay for the rental car, I will be refunded my money that was unauthorized and taken out of my account. I submitted this evidence to XXXX XXXX by fax.
Product: Money transfer, virtual currency, or money service

I hope this message finds you well. I am writing to express my deep concern regarding the permanent limitation placed on my PayPal account, which is registered under the email address XXXX. 

I strongly believe that this limitation has been imposed in error, as I have always made every effort to adhere to PayPal 's policies and guidelines. To the best of my knowledge, I have not engaged in any activities that would warrant such a severe action. 

I kindly request that you re-investigate my case thoroughly and, if possible, reconsider the permanent limitation placed on my account. I am committed to resolving any issues or concerns that may have led to this decision. My PayPal account is essential for various personal and financial transactions, and its continued accessibility is of utmost importance to me. 

I understand the need for PayPal to maintain a secure and trustworthy platform for all users. However, I firmly believe that there has been a misunderstanding or mistake in my case, and I am eager to cooperate fully to rectify any issues. 

I kindly request that you provide me with an opportunity to clarify any concerns or provide additional information that may assist in the review process. Please let me know the necessary steps or documentation required from my end to support this appeal. 

I appreciate your attention to this matter and look forward to a prompt response. Thank you for your understanding and consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX INQUIRIES WAS RECENTLY UNAUTHORIZED WITHOUT MY CONSENT OR KNOWLEDGE WHICH IS A RESULT OF IDENTITY THEFT. TRIED CALLING ALL 3 CREDIT BUREAUS ( EQUIFAX, XXXX AND XXXX ) WAS INSTRUCTED TO FILE A CFPB COMPLAINT AND UPLOAD REPORT ALONG WITH IDENTIFICATION. KNOWLEDGE WAS MADE WHEN MY LOAN OFFICER INFORMED ME DURING A CREDIT CHECK BEFORE MY TENTATIVE CLOSING DATE. 

XX/XX/2023 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2023 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 -EQUIFAX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX
Product: Mortgage

We have been attempting to progress our loan assumption as we sell our home and have repeatedly been lied to about timelines. Our closing has now been delayed twice. The first extension date was set specifically because Citizens told us that it would take 45 days to complete everything, but they were not able to even make it past the underwriter. On XX/XX/XXXX, we were told that the paperwork was with the underwriter and would be there for 7-10 business, but as of XX/XX/XXXX paperwork is still with the underwriter and we do not have an approval or rejection for our buyer. Over the last 45 days, both us as the sellers and the buyer have repeatedly called the customer service line, the representative that is in charge of the assumption and the XXXX of the XXXX Acquisitions department. They admitted that the process is taking " worst case scenario '' time at no fault to our buyer, but solely theirs, as " they are exploring every possible option to approve him, '' but will not share the purpose of they delay with our buyer. 

We began this process in XXXX, was told it would take three months, then six, then 45 days, none of which are true. The assumption paperwork has been with Citizens for over 80 days now, and the best time line we can get is 2-3 months. 

XX/XX/XXXX : Was informed that we did not actually start the loan assumption process in XXXX like we were originally told. Was promised an expedited process of 45 days. 
*Sellers called nearly 30 times between these two dates for updates. Buyer also repeatedly called and responded promptly to all their requests. * XX/XX/XXXX : 4 days before our new close date, was told that there was no way they would even have an answer from the underwriter by XX/XX/XXXX and that it would realistically take another 2-3 months. 
XX/XX/XXXX : 2 days before new close date, was told the underwriter was still needing more from the buyer and that they would attempt to send him the docs by email instead of relying on mail. Was told again it would probably be another XXXX months. 

Because of Citizens inability to process the loan assumption in a timely manner, we were not able to close on our current home or purchase a new home. We lost four potential new homes because Citizens refuses to work quickly and efficiently. If we are to put the home back on the market to find a new buyer, we would lose about {$35000.00}, as the market has dipped in our area. We currently have to pay our mortgage there and rent in a new area. We have been extremely transparent with Citizens about our new close date. The expectation was set from the beginning that we moved our closed date based off of what they said the timeline was going to be. They offered no form of compensation or even promised to move the process along more quickly, blaming everything on the underwriter.
Product: Debt collection

XXXX XXXX department didnt reach out to me about debt, acct was closed properly And fox collection is 15 U.S. Code 1692c - Communication in connection with debt collection
Product: Credit reporting or other personal consumer reports

please delete all the faudulent accounts and inquiries now 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 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 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 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 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 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
Product: Money transfer, virtual currency, or money service

I am filing a complaint against CashApp due to inadequate customer service and unfair practices, which violate the consumer financial protection act CFPA specifically, CashApp 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: Debt collection

I dispute the inaccurate reporting of a late account on my credit file. Since the bank can not provide records and has agreed over the phone to update my file, I insist the account reflects a positive review or closed/never late status. 
Account Details : XXXX XXXX XXXX / XXXX XXXX Date Opened : XX/XX/XXXX Inaccurate Information : XXXX
Product: Money transfer, virtual currency, or money service

Hello my name is XXXX XXXX XXXX XXXX my phone number is XXXX XXXX I want to report my Bank Bank of America and XXXX for allowing me to be scammed with money transferencia through XXXX XXXX app on XX/XX/XXXX XXXX I sow an advertisement XXXX XXXX for a supposed travel agency tha sold airplane ticket For XXXX Airlines for XXXX dolares XXXX XXXX XXXX XXXX and I proceeded to contac them and buy a ticket trusting tha they were real. 
They attended to me very Kindly. I PAY THEM XXXX THROUGH XXXXand they send me a ticket looking XXXX XXXX XXXXXXXX But I detect some red flag on the process after call The Airlines XXXX and confirm the ticket I receive from this person is a fake ticket and I decide dont send the rest of the money because look like scam to me at XXXX point.this person blocked me and doesn't not answer the phone or XXXX  calls. 
I reported it to Bank of America and XXXX as a fraude and I have present them with evidence and have made XXXX complaint and they have told me XXXX after the money is send, is nothing can be done these are XXXX policies and I never aprove this policies o sign nothing to XXXX in my live to aprove this process or acept it For mi this XXXX companies are being part of the fraud by not review the evidence and take measures with tha person Who receive the money throuht XXXX to XXXX  my money to my acount since they never issued a real plane ticket and it was a fraude totaly from the begin
Product: Payday loan, title loan, or personal loan

I took out a {$1000.00} loan with Golden Valley Lending and the total paid to them was {$3000.00} so far. They are trying to say that I owe them in excess of {$800.00}. I want the {$3000.00} I paid back to them to serve as a settlement for a paid in full amount of the loan I took out with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

From XXXX until now I have contacted TransUnion informing them in certified letters ( see several attachments ) of inaccurate and incomplete information that they have continued to list on my TransUnion credit report. Despite my letters and information from the original creditor that contradicts them, TransUnion has refused to correct their errors and has only responded with saying the incorrect information has been " verified ''. The incorrect information as of XX/XX/XXXX is : XXXX. This account is still reporting both the Balance and Amount Past Due of {$15000.00} even after it has been discharged by XXXX with the issue of a 1099C ( see attachment ), neither of these items should be on the report, XXXX. This account continues to not post my Notice of Dispute despite my multiple dispute letters challenging this account ( see letter attached ). This is a violation entitling me to at least {$1000.00}, XXXX. This account is missing all the positive Payment History from XX/XX/XXXX to XX/XX/XXXX, XXXX. This account is not reporting the Date of Last Activity and not reporting the Date Closed ( see letter attached ), XXXX. Without those dates, the Drop Off Date is incorrect.
Product: Mortgage

My grandmother passed away last year and I have been trying to purchase her home via a short sale as the heir of the estate for the entire past year. I have a mortgage broker in place who has been trying to negotiate with the reverse mortgage company with no success. The home is falling apart yet their appraisers only appraise it at almost exactly what is owed to them. After a year of negotiating and submitting all the paperwork they required multiple times because the file kept being " misplaced '', they tell my mortgage broker that they are no longer the bank and to submit everything again to the new lender, which we do with no response. All of a sudden at the beginning of the pandemic, the original lender begins contact again because they wanted to do a new appraisal. I refused because my wife and I have been XXXX  as mandated by the state and did not wish to have a stranger come into the house. They came and did an exterior only appraisal anyway and deemed the house to have gone up {$20000.00} since their appraisal one year prior. Both appraisal, one year apart, almost match what is owed on the home. The roof is falling apart, kitchen as well and the plumbing is bad. No repairs have been done. They wasted all of last year purposely and the foreclosure date was set for XX/XX/20. Due to the pandemic, the foreclosure was delayed but now they are the ones that are pressuring for appraisals and for us to purchase. In the middle of the pandemic. And very well knowing that the home has not gone up another {$20000.00}, especially now and will not have the same value when this is over. They are constantly sending harassing letters to their customers and are looking for any reason to foreclosure on the elderly. I know because I saw my XXXX year old grandmother go through it and my XXXX year old mom has a reverse mortgage with them too and is dealing with the harassment as well. They are one of the most unethical businesses I have ever seen and someone needs to step in and regulate them and hold them responsible for their actions. The home has been in my family for over 30 years. I will not just sit back and have it taken away when I have followed all proper procedures. I am including as much documentation as possible. Documents showing where this year they told me it was a new bank and where to submit my offer to, their two appraisals one year apart and the statements from those months showing how the appraisal to loan balance is almost identical, the harassing letters to obtain flood insurance, even during these trying times of the pandemic. 
Please try to help. Thank you for your time.
Product: Credit reporting or other personal consumer reports

I recently submitted a request to reassess the previously disputed information The response I received, which was generated by a computer system, is unsatisfactory, and my patience is wearing thin. If the information is not promptly reevaluated and deleted, I will have no choice but to engage legal representation to seek redress through the court system, and I will also lodge complaints with regulatory bodies such as the CFPB, FTC, and my state attorney general 's office. I insist that you expeditiously remove and update this erroneous information and provide me with an updated version of my credit report. 1. The status is incorrect for the following account. Please correct/update this inaccurate information on my credit report. these accounts were never late. 
XXXX. XXXX Account Number : XXXX Date reporting NOT Accurate XX/XX/year> - XX/XX/year> - XX/XX/year> : Moreover, in accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I am demanding actual proof that the information was verified, rather than a computer-generated confirmation. Please provide the following : 1. The names and business addresses of each individual with whom you verified the information above, so that I can follow up. 2.The date on which you contacted the individual information furnishers. 3.The method of communication used to verify the information.
Product: Credit reporting

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Equifax XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX. 


XXXX XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX v. XXXX ( XXXX ), and XXXX v. XXXX, Equifax et, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second dispute notice and as I was going over my credit report once again I noticed some accounts that do not belong to me. The accounts need to be deleted from my credit report immediately. Other accounts have been transferred to other offices and are now showing up twice on my credit report. This affecting my ability to buy a home. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The Following Account listed below : - XXXX XXXX XXXX XXXX # XXXX - XXXX XXXX XXXXXXXX XXXX # XXXX - XXXX XXXX XXXX # XXXX
Product: Checking or savings account

On XX/XX/2021 I opened a checking account online with Washington Federal Bank. In the opening process I was given a choice between three types of debit card designs ( Sounders, Kraken, or plain ), and I chose the Kraken card. I expected it to arrive in about a week as is the industry standard. 

Two weeks later, on XX/XX/2021 I called their customer service inquiring about the status of my card because I had not yet received it. I was told that because I had chosen a custom design my card could take up to three weeks to arrive and that is was in transit. I told the employee that they should really advertise that on their website so that consumers can make informed decisions because I needed that card to make purchases on my new account. I waited another week and the card did not arrive. 

I was in the hospital for 3 weeks after that, and when I got out I checked the mail, expecting to find my card in the large pile of mail that had been collected for me and it was not there. I called customer service again on XX/XX/2021, now 6 weeks after opening my account, to tell them that the card had not arrived. I was told by the employee that the person in charge of ordering my card had neglected to order it on XX/XX/2021 when I opened my account. She told me it would arrive that week and had no empathy for my situation. I asked for a follow up from management about the incident and to date have received no contact from WAFED Bank. 

On XX/XX/2021 I received a debit card in the mail, but it was the plain design and not the Kraken one that I had waited extra time to receive. The employee I spoke to on XX/XX/2021 must have lied to me since she said that it had been ordered at the time I called. I also can not believe that something so simple as ordering debit cards is managed by individual employees with no oversight to ensure the task is completed, and is not an automated process.
Product: Checking or savings account

I received an email from Chime stating they decided to close my account, the reason they gave was a violation of the direct deposit policy. I only had one deposit. 
When I attempted to call, their phone system recognized my number, told me my account was closed and I had to email them. 

They have been extremely evasive and dodgy. Not replying to email and not answering questions Meanwhile, My money is in limbo and I can not access this. Like lots of people I live paycheck to paycheck and I can not afford to have hundreds of dollars held from me on a whim