23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I was pre-approved for the loan with " No Conditions '' by Banco Popular then after paying the Non-Refundable Deposit to the seller ; the Bank Loan Agent ( XXXX XXXX XXXX ) forced me against your will to make a payment to a third party ( not related to the loan ). They asked that I showed them I had been in dispute with them for over a year and to give all supporting documentations, I did so and sent them dozens of pages via email. 

The Bank ( XXXX ) then told me I was cleared to get the loan without having to pay this debt. However, only a few days after I paid the non-refundable deposit to the owner of the property, I was told if I didn't pay the debt in dispute I would lose the deposit, AND they would deny the Loan ( after being pre-approved with no conditions prior ). 

The underwriting team and XXXX told me that I was approved and would not have to pay this debt, I had no intention of paying a debt that had been in dispute, that was not mine, it was for a company I once owned and should have been agains the entity, but The Bank further stated if I did not pay the $ 18K+ debt immediately, the Bank would deny the loan and I would lose my $ XXXX deposit that already paid to the owner due to the time constraints in the purchase agreement of the home. I was very clear in emails and calls to the bank that I would not pay this $ XXXX deposit to the owner of the home unless I was sure I would be approved WITHOUT having to pay this non-related debt in dispute, they assured me several times that with my great credit score and income I would have no issue, they approved the loan with no conditions, then after paying the $ XXXX Deposit The Bank extorted me into paying a debt unrelated to the transaction. I would have NEVER paid a disputed debt unrelated to my personal finances if the Bank did not extort me to do so. It's apparent the loan officer was merely trying to close this deal, sold me on something untrue, and earned my trust to only put my back against the wall as she knew I had NO choice but to be forced to pay it or I would lose the home and the $ XXXX deposit to the owner. 
Furthermore, I have tried to fight this with my bank that is stateside, they have denied me many times, I am in Puerto Rico, I am working on filing a police report, and the police department also here made me feel like the harasser and would not allow me to file after a visit to my home and after I visited the police department they refused to allow me to file a police report so that I could at minimum receive temporary credit while I continue to dispute the transaction. XXXX XXXX by law is required to give a temporary credit and they have also refused to do so, I can not afford to get an attorney for this, I sincerely need some help please! 

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

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT 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 166B A CREDITOR MAY NOT TREAT A PAYMENT ON A CARDIT CARD ACCOUNT UNDER ASN OPEN END CONSUMER CREDIT PLAN AS LATE FOR ANY REASON
Product: Credit reporting or other personal consumer reports

To report several fraudulent inaccurate and incomplete information accounts on my consumer FICO credit report. I request, pursuant to FCRA 605B USC 1681 C-2 that Experian and XXXX XXXX reporting agencies block all accounts collections and hard inquiries identified in this this ftc and cfpb complaint from my credit within 4 business days.
Product: Debt collection

Company is reporting false information and balances on consumer reports, after accounts have been paid in full. My identity is being misrepresented by them and the consumer reporting agencies theyre paying to report their inaccurate data. Payments pursuant to the UCC XXXX, XXXX, XXXX, and legal documents have been sent in and received by Navy Federal Credit Union, and acknowledged that they are in receipt of them, yet they continue to commit securities fraud in my name. It has become very hard for me to obtain necessities that my inalienable rights give me privilege to, due to their actions and legal ramifications are being exercised pursuant to The FRA section XXXX. Irreparable damages have been done and I am suffering insurmountably, mentally, physically, emotionally and spiritually as I am being restricted from contracting and obtaining the things I desire.
Product: Debt collection

XXXX XXXX XXXX called me in XXXX 2016 regarding a supposed debt they purchased from Synchrony Back/ Care Credit. I requested that XXXX XXXX Validate the debt in this initial call. Agent stated that they do not have to validate anything and that I had an obligation to pay. I sited the federal and state statue to agent at which point he stated that they do not take validation requests and that I must submit in writing. Agent refused to give ma an address where I could submit so I located it on line and on XXXX XXXX, 2016 I sent a written request to MCM. 

On XXXX XXXX 2016 I was served a summons to either respond or appear in a complaint regarding this attempted collection. In XXXX I summons can not be served prior to an action being filed with the clerk. I called the clerk of the XXXX XXXX Court and was told that nom action had been started. 

Summons have XXXX date on it and does not have a court seal or case number. 

Called XXXX XXXX Court on XXXX : advised that there is not case filed with the court XXXX XXXX XXXX XXXX XXXX XXXX XXXX That if a case was filed, before a summons would have been stamped with a case number and a court seal. 

Called the number for the Attorney on the account and was rounter to a dump all number for XXXX. 

Was given a different number XXXX. Spoke to XXXX XXXX Advised about the information that I previously filed and that there was never a response. Advised that I would fax and mail again Advised that the tactics of serving someone with a summons on a case that has not been filed is an intimidation tactic and violates XXXX and FDCPA XXXX Gave me Fax XXXX XXXX advised that I should talk with a paralegal or attorney for XXXX and transferred my in to a bling que. 

Spoke to XXXX XXXX Ex : XXXX As I was discussing this action with him he attempted to say that XXXX is a serve first state. Advised that I spoke to the court clerk in XXXX XXXX and was assured that service is only legal after an action is filed. 

Advised on history and Midlands Failure to provide validation. Advised that filing an action in this case is illegal and that serving a summons is an act of intimidation and violates Federal and State Law. 

I advised that I would be happy to email the previously filed validation request and was either place on hold, muted or was disconnected. 

Called back : Spoke to a rep names XXXX and asked him to transfer me to XXXX XXXX 

XXXX provided me with his email address and stated that he was putting together a validation letter. 

I received the so-called validation but there is nothing in there that states my rights as is required.
Product: Debt collection

From Credit Service company. On my credit it is showing a XXXX  balance and I am asking to have it removed please because it is paid and is affecting my credit. Thank you
Product: Credit reporting or other personal consumer reports

The data furnisher failed to provide correct and accurate contact information on the consumer credit report.
Product: Credit reporting or other personal consumer reports

I sent in a dispute to all three credit bureaus on XX/XX/23 to have a collection account removed that did not belong to me. I also sent a validation letter to the collection company to provide me with proof that this is my debt and validation of ownership that they are legally able to collect on it. I have NOT received a response nor any more attempts to collect the debt from the collection agency which proved to me that it was a possible scam/illegally trying to collect funds from me. I provided this information to All three credit bureaus and the dispute results came back updated and verified. I then contacted Experian directly to go over my results and they assured me they will put in a dispute for investigation. Three days later, the dispute was completed. It was again updated and verified. I asked for a copy of the exact investigation process that was used to determine the outcome they provided and was told a copy of my report will be sent to me. I explained Im not asking for a copy of my report but for information of how they determined their reinvestigation to be accurate in three days when the normal dispute process is 30 days. It was NEVER provided to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

Under XXXX XXXX XXXX XXXX Permissible purpose of consumer reports ( a ) IN GENEREAL Subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relate. 

I, XXXX XXXX never gave Transunion any written consent to report anything on my consumer report, no consent is identity theft. A copy of the law is attached with this dispute letter. 

Concerning the account listed below as a consumer, I am demanding a deletion of these account listed below : XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account XXXX : XXXX
Product: Debt collection

Discover Bank Under U.S.C. 1681 B, the credit reporting agencies have no right to report anything on my credit report.

Under section 605 A 15 U.S.C. 1681 C-1 It states that with NO consent that = identity theft, and they must DELETE from my credit report.
Product: Debt collection

I 'm a victim of identity theft someone took my information and opened up lots of accounts in my name right now I have XXXX accounts in collection that does not belong to me XXXX and XXXX
Product: Credit card

I had this account and I paid it off, I had a unauthorized charge on my account when I noticed I called Avant credit card immediately per the representative she transferred me to the fraud department they cancelled the card and sent me another one, a week later the funds were place back into my account and a representative called and asked if I still had the original card in my possession which I did he then went on ask me if I had let anyone use my card to informed no, he then asked me if my belongings in place out my view I told him yes in my locker at work and that was the end of the call. After the call I received a bill for {$550.00} for the charges placed on the account I called back and asked why because I didn't have a police report and I left my purse in a community are I went and filed a report and provided them with the police report, and the following business day they told me a representative would call back. Apon that call they said I was responsible for the charge ( s ) and they closed the account and began charging me late fees which now is reporting {$930.00} as a charge off. I've have called to settle this debt and every time they say they say they will send me an itemized bill and I've yet to see.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer XXXX XXXX and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my XXXX, Equifax, and XXXX credit files, an old account from XXXX XXXX, XXXX is reporting incorrectly. I have disputed the account multiple times both with all 3 agencies and XXXX XXXX, XXXX. The 3 bureaus all claim that XXXX XXXX verified the accuracy of the information, yet XXXX XXXX has not been able to send any documentation to me, and their customer service representatives that I spoke with stated that the account had been purged from the system and they could not access any records, as well as not updating my current address on file despite multiple disputes. The most recent call to XXXX XXXX was XX/XX/2019. As they are unable to verify the accuracy of the information, yet informed the credit bureaus that they investigated the dispute, as well as being unable to provide documentation to the consumer, they are in violation of the FCRA, section 623.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus stated my was properly investigation but how is that possible if the open date is inaccurate t, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 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 stated a consumer reporting agency can not furnish a account without my written instructions Also the credit bureaus took more than 30 days to complete my investigation
Product: Money transfer, virtual currency, or money service

I am writing go formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letter to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XXXX, XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : Bankruptcy : Discharged XXXX Reference number : XXXX XXXX XXXX  XXXX XXXX {$480.00} XXXX  XXXX XXXX  XXXX Balance {$520.00} Original Creditor : XXXX XXXX XXXX Balance - Preferredl XXXX Balance {$3700.00} XXXX XXXX XXXX Balance {$510.00} XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX  XXXX Balance {$0.00} XXXX
Product: Credit reporting or other personal consumer reports

I got my credit report from XXXX XXXX I don't believe they had a permissible purpose for doing this because I never requested to do business with them/never did business with them. I am disputing these XXXX Hard Inquiries by feaude, I demand that they be removed immediately. 


XXXX ( XXXX ). XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX XXXX filed law suit against me XXXX XXXX XXXX XXXX over a Furniture Purchase from XXXX XXXX XXXX, XXXX XXXX   claimed I owed {$4900.00} on a {$6400.00}. Through research I was able to find out that the value of the furniture was only {$2000.00} Which was nearly paid off. I agreed to pay up to {$2000.00} At the time of purchasing the Furniture I was under seven different medications from three Doctors and XXXX, I told XXXX XXXX and XXXX XXXX I wanted to have some review the contrats but they said they could not hold my furnitiure.When I found out the value of the Furniture, I requested the cost be reduced based on over charge. 
On XX/XX/XXXX XXXX XXXX filed suit and I was prepared to prove to the courts overcharging. The XXXX County District Judge dismissed the case which XXXX XXXX did not prove I owe the funds requested in the suit. The Case Number is XXXX. The XXXX County MD Judge ID : 0AA, Case Dismissal Date listed as XX/XX/XXXX. ( See XXXX County Md Court Clerk Copy of Court Order ), I have challenge XXXXXXXX XXXX refusal to remove this item from my file .Experian Report # XXXX Dated XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and Experian are fraudulent on my accounts : XXXX/XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX  XXXX XXXX/XXXX  is fraudulent on my credit Account # XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request an immediate credit freeze on my accounts due to identity theft. My personal and financial information has been stolen and used to fraudulently open accounts in my name. I have been actively working to dispute these unauthorized accounts, but the process has been unnecessarily difficult. 

Despite my repeated attempts to place a freeze, I have encountered significant obstacles from all three major credit bureaus ( Experian, Equifax, and TransUnion ). Some have required excessive documentation, long wait times, and even fees for a service that should be free under identity theft protections. These delays are preventing me from protecting my credit and resolving fraudulent activity effectively.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as highlighted in the CFPB 's recent administrative proceeding XXXX XXXX XXXX XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts Ive marked as inaccurate XXXX XXXX XXXXXXXX XXXX XXXX XXXX.
Product: Money transfer, virtual currency, or money service

Dear Sir/Madam- I have self-directed my retirement money ( from my traditional IRA ) and on XX/XX/2022, I opened an account with BLOCKFI, a crypto currency company, which guarantees interest on the cash and cryptocurrencies invested. Over the course of several months, I have transferred roughly around {$800000.00} and as of XX/XX/2022, the total balance on theaccount is {$630000.00}. 

Two weeks ago, I received notification that withdrawal has been frozen, as aresult of its " exposure '' to the now bankrupt XXXX. I would like your assistance to see if I may be able to withdraw all of this sum of money. I trusted the company with all its backings ; however, now I feel I have been deceived. It is my IRA money and would like to know if there is a chance I could still have access to it. I appreciate your understanding and help on this matter. 
I have tried to contact BlockFi several times, at least 6 calls, but their " Client Success Team '' is unavailable. 

Should you need further information, please let me know and I will provide it immediately. Respectfully yours, XXXX XXXX ( XXXX ) XXXX
Product: Credit card or prepaid card

FACT #!. I was credited {$120.00} on XX/XX/XXXX on my account ending in # XXXX Bank of America XXXX AZ XXXX card from the XXXX XXXX Pandemic from XXXX XXXX XXXX XXXX XXXX, AZ. See attached consecutive stays dated from XX/XX/XXXX thru XX/XX/XXXX. 
FACT # XXXX. Bank of America is in possession of my {$120.00} and is wrongfully withholding my {$120.00} from vendor XXXX XXXX XXXX XXXX, AZ as a refund for transient taxes that are all " EXEMPTED '', see attached consecutive stays from XX/XX/XXXX thru XX/XX/XXXX. 
FACT # XXXX. Under Arizona Revised Statutes XXXX Consumer Fraud and theft by Bank of America XXXX 
FACT # XXXX. Today is XX/XX/XXXX, at no time has Bank of America sent me my {$120.00}. Bank of America has committed and is accountable for bank fraud and consumer fraud against me, the consumer. It has been 2 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained a copy of my credit report on XX/XX/2023 after I requested an investigation into a serious matter with the items being reported. XXXX XXXX XXXX XXXX and XXXX XXXX XXXX . These items where never verified nor have I ever entered into any contracts with these corporations. According to 15 USC 1681 ( a ) ( 4 ) My right to privacy has been violated and now I am seeking further action against these corporations. XXXX has taken action by removing XXXX XXXX XXXX XXXX which indicates that there is no legit reason for the account to still be reported with the other agencies. However the other account XXXX XXXX XXXX needs to be removed as well.
Product: Credit reporting or other personal consumer reports

I have filed several inquiries about the delinquent information on all three of the reporting agencies. I am a XXXX and don't have a XXXX account. That account is my mom and dads and he's been deceased since XXXX  yet they won't take it off my report. The mortgage servicer also has reported incorrect information and has had lawsuits filed against them for their unfair practices. Due to system issues and the need to try to generate late fee income is why these services do the things they do. I had a complaint about why my mortgagee went up {$400.00} and I'm going around in circles with eh servicer saying to check with the other.The previous is stating per your site that it doesn't look like should be that much and the new servicer saying the old miscalculated the escrow. There has to be a better way.