23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Dear XXXX ID # XXXXThis is another QWR being filed. SLS has not taken care of sending documents to the county for recording and sending us the relocation assistance. 
In response to your letter dated XX/XX/2015, you made a statement that the paperwork has been internally approved and will be executed and forwarded to the county for recording as soon as possible. SLS is unable to advise as to the time it will take for recording once the document has been forwarded to the county for recording. The funds for the relocation assistance will be provided once we have confirmation of the recording at the county. 
XXXX, the issues are as follows : ( 1 ) For months I 've been told it has to go to recording. Each time I 've asked your agents and XXXX XXXX, who is the person to talk to, your agents and/or XXXX XXXX would tell me that 's not their department and have a supervisor call me, and a supervisor never calls. 
( 2 ) Since SLS has not sent the documents to county for filing, you have not sent the relocation assistance. 
XXXX, I need for you to tell me the person who 's responsible in having the deed/title processed to go to recording and why is it taking so long for your company to send to the county for recording and send the relocation assistance? 
For months, I 've been getting bureaucratic answers and no one has sent or processed the documents to go to recording. As you mentioned in your letter, there is no liens on the Deed/Title, so the next step is to go to recording. 
Now, I know you SLS do not process the recording documents, but I 've talked to the supervisors in county recording, and they told me that it would take XXXX hours to process, once they receive the documents from SLS. 
Again, I 'm asking you to provide me the name, phone number of the person, who is processing the documents to go to county for recording. 
SLS has not been truthful with me and sending me through your bureaucratic process, which I should not have to go through. 
Per your letter dated XX/XX/2015, we have met all of the requirements and the DIL was approved by SLS. 
Again, I asking for SLS to send the documents immediately to the county for recording and send us the relocation assistance, that we 're entitled too. 
Awaiting your response. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Equifax and XXXX Credit Reporting Agency have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my credit report and noticed that I have some hard inquiries that I did not Authorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

There are XXXX erroronus, dismissed XXXX XXXX bankruptcies being reported on my Equifax, XXXX and XXXX credit files. The bankruptcies were filed on XX/XX/21 ( filing # XXXX ) and XX/XX/21 ( filing # XXXX ). I have disputed these bankruptcies with Equifax, XXXX and XXXX multiple times and they have responded " verifying '' the bankruptcies through the bankruptcy court and also through the third-party vendor, XXXX. Since, I have reached out directly to the bankruptcy court and they responded with a letter stating that the BANKRUPTCY COURT DOES NOT REPORT ANY INFORMATION TO THE CREDIT BUREAUS. Please review the attached letter from the court. Then how could they have verified the bankruptcy through the court? The letter sent by the credit bureaus also states that they receive public records information through the third-party vendor, XXXX. So I disputed the bankruptcies with XXXX and they responded by removing both bankruptcies from my XXXX file. Please see the attached XXXX from XXXX and also a copy of my new XXXX Report. These bankruptcy have severely damaged my credit with my credit score dropping over 200 points and also having ALL of my credit cards terminated. This has been a nightmare!! The reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUinon continue to violate the FCRA with XXXX account XXXX. This account has been illegally Re-Aged from XXXX to XXXX. Re-Aging account is a serious violation of the FCRA. This account has multiple Violations of the FCRA. I had provided proof documentation directly from the credit report circled and highlighted for the CFPB review. 

( 1 ) Violation of the FCRA illegal Re-Aging account from XXXX to XXXX. 

( 2 ) Violation of the FCRA not putting the required notice of dispute in the comments after I have disputed this account multiple times. 

( 3 ) Violation of the FCRA inconsistent reporting by TransUinon with this account.
Product: Debt collection

CAS STORE ALOTTED ME A LOAN IN XXXX, I THOUGHT I PAIA IN FULL THE BALANCE! 

CASH STORE SOLD THE DEBT TO XXXX XXXX XXXX IN XX/XX/XXXX AFTER SOL EXPIRED IN ILLINOIS. 
ALSO WENT ON MY CREDIT REPORT W/O VALIDATION AND CALLED MY DAD 11 TIMES OVER 45 DAYS.. 

THE COLLECTOR VIOLATED FCRA, FDCPA AND TCPA ALONG WTH COLLECTING ON A ZOMBIE DEBT.
Product: Checking or savings account

We use Umpquah bank and recently my debit card was used by someone who went on a shopping spree to the tune of {XXXX. I filed a dispute with the bank in XXXX Wa XXXX claim XXXX ) and they sent me a letter saying the claim is closed and they are denying giving my money back because their investigation showed that i provided authorization for these transactions. This is completely ludicrous. I last saw the debit card in the XXXX on XXXX when i used it at a XXXX in XXXX. I then walked across the street to my car in my work parking lot. I dont remember seeing the debit card again after that but i didnt know it was missing until the following saturday when i got a call from visa asking if i made some charges and i indicated that i had not and immediately called the bank to cancel my card. In the meantime i had switched to a new debit card that they had mailed by my request so i didnt even notice the other was missing. the day i last saw it i had to leave work in a hurry due to emergency and by the next day i was using the new one since the other one had a broken chip. Then a few days after using the new card i noticed odd charges under the new card ( 5.00 in online book purchases? ) so i cancelled that card too and i refuse to use an umpquah debit card anymore. Dont think their chips are secure! and i dont shop online or anything crazy. Help please! These people took {XXXX} of food from my babies mouths! I absolutely have no idea who took my card or numbers and i for sure did not give anyone else permission to have it nor would anyone i know use it! My husband is very upset about this also and the bank wont relook at the claim. I think i must have dropped the card sometime that Thursday but i dont know. I didnt know it was missing until the fraud dept called. 

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

Discover credit card account ( ending # XXXX ) was actively used and had a {$0.00} balance. Despite such status, the account was closed. Upon information and belief, the account was closed in violation of the Equal Credit Opportunity Act for discriminatory purposes. A class action lawsuit is being considered.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX 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: Checking or savings account

I deposited a XXXX cashier check that I received from trust attorney that is distributing inheritance money that my mother left for me and my siblings. The bank has put a 10 day hold on the funds. Another sibling had no problem accessing the funds but several siblings have had their funds put on hold as well. I called XXXX XXXXXXXX because thats where the funds are in. They advised that I have my bank which is Bank of America call XXXXXXXX XXXX to verify the check. The manager at the Bank of America did nothing to resolve this matter she was rude and was not willing to assist. There should be no reason why funds arent available. I want my funds to be available today. 10 days is to long I have bills to pay. The manager at the bank by my house is XXXX XXXX. She was very rude and did not help me resolve this. Bank of America was able to withdrawal money from those funds that I deposited but wont release the funds to me the owner. I will be closing my account and will have nothing to do with Bank of America. They control your money and do nothing to resolve simple problems. They will not verify with XXXX XXXX but will hold funds for a long period of time. They are rude and have total control of my finances without my consent. I am unable to close my account.
Product: Mortgage

I have never missed or been late on the mortgage payment of any type in my 30 years of paying mortgages to various mortgage companies I recently refinanced my home through XXXX XXXX in XXXX Florida and he used Penny Mac and that's when the trouble begins they're climbing they're not receiving my checks they're charging me late fees they're sending me nasty letters and it just goes on and on I need help This began probably in XX/XX/2020 and is still continuing today I have two sets of nasty letters one dated XX/XX/XXXX XXXX dated XX/XX/XXXX and they're the exact same letter they don't even know what they're sending out it's a big joke
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive l, 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: Credit reporting, credit repair services, or other personal consumer reports

THE INQUIRIES DISPUTED ARE DUE FOR REMOVAL OFF MY CREDIT REPORT. THOSE INQUIRIES WERE NOT AUTHORIZED BY ME.
Product: Debt collection

Due to misrepresentation of services and fraudulent practices, we are stuck paying {$4900.00} lump sum in future monthl payments for a product we do n't use Due to misrepresentation, we were stuck in a 48 month contract that did not perform like promised. Now, we are expected to pay {$4900.00} up front. We started working with XXXX in XXXX 2015. XXXX XXXX promised in writing a 1 % rate on all CC transactions and 0 % debit card transactions. It was never disclosed that we would be working with another company ( First Data ) We were also promised a XXXX machine that would be compatible with quickbooks for accounting purposes. We were sent a different model of key pad, but I did not complain since we were going to be saving at least 2.5 % ( 1.5 % more than promised in writing ) on all transactions. For the first few months, I noticed we were getting charged anywhere from 5 % to 9 %. After trying to get a hold of XXXX XXXX, I finally got a hold of XXXX XXXX of XXXX ( XXXX )? We had to settle for 2.5 % and 3.5 % that she refunded for a few months. Then it became difficult to get a hold of her, and we were not receiving any refunds for being charged 9 times more the percentage than promised in writing. I finally faxed a termination/cancellation letter to XXXX asking that we cancel with XXXX, First Data ( I had just learned that they were involved in the actual contract ), and any other companies involved. I stopped payment being taken out from any companies that I did not recognize through my bank because we were n't using their services. I get a letter from First Data about an amount owed. I called back and told them that it was cancelled due to non-performance and misrepresentation. They said that it was impossible to cancel. I was reported to the credit bureaus for non payment on personal and business and chased down by collection company XXXX XXXX. Now my business and personal credit is ruined for years and I am being forced to pay over {$4800.00} for a service that I have already cancelled and was n't performing like promised in writing.
Product: Debt collection

I recently pulled my credit report and this company has reported that I owe them a debt. I have never received any letter from this company informing me that I owe them a debt.
Product: Debt collection

As I wrote in my certified letter to Experian : I am writing to formally dispute a collection account that appears on my credit report, listed under XXXX XXXX XXXX, for a debt allegedly incurred in XX/XX/2024. This debt was fully resolved with the original creditor, XXXX XXXX XXXX, and no outstanding amounts remained unpaid. Furthermore, I was never contacted by any party claiming an unpaid amount prior to this collection being reported. This misrepresentation constitutes a violation of federal law.

Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681s-2 ), furnishers of credit information are required to report accurate and complete information. Reporting a collection for a debt that has been paid in full is inaccurate and misleading. Additionally, failure to notify me of an unpaid debt and placing it into collection violates the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692g ), which mandates that collectors must notify debtors of the alleged debt and provide a validation notice within five days of initial communication.

The collection agencys failure to contact me about this alleged unpaid debt before reporting it violates the law and caused me harm. I request that Experian investigate this matter immediately and remove the erroneous collection account from my credit report.

To assist your investigation, I have enclosed the following : Documentation showing the debt was settled in full as of XX/XX/2024. 
A copy of my credit report with the inaccurate collection highlighted. 

Please note that under the FCRA, Experian is required to complete its investigation within 30 days of receiving this dispute. If the information can not be verified or is found to be inaccurate, it must be removed promptly from my report. 

Thank you for your immediate attention to this matter. I expect written confirmation once this issue has been resolved.
Product: Vehicle loan or lease

Several things happened after that point. XXXX insisted that they didn't want my trade and I had to bring the XXXX back. Then they said they couldn't finance me and I had to bring the XXXX back and take My XXXX XXXX XXXX plug in. I stated to the XXXX  XXXX that I never received any credit denial letters for the XXXX that was to be financed and that it would be fine that I would pull the money out of my retirement and pay the cash difference. The representative then said that I had to finance the remainder that I couldn't pay the cash difference. 

In XXXX, I received a denial of credit letter from Mountain America Federal Credit Union dated XX/XX/XXXX in the amount of XXXX. 

As of today, XX/XX/XXXX I am driving a XXXX XXXX that the transaction wasn't closed and the vehicle is not titled in my name. I've asked XXXX and XXXX XXXX why my credit was ran for XXXX without my consent and over a month after the date I purchased and closed on a vehicle. I have asked to close the transaction and to be able to pay the cash difference with no response or opportunity to rectify, I don't know what sort of fraud this is but it isn't right. 

Thanks for your help, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report and found grave errors that your company is reporting to my consumer report as late or missed payments, and because of this I am being discriminated against to extent my credit. Your inaccurate consumer reporting is causing great harm to my reputation and injury to my character. This is a violation of FCRA 15 U.S.C 1681 ( 4 ) ( b ) Here the accounts youre reporting with a late payment or missed payment XXXX  : Open date XX/XX/XXXX Allegedly late payment XXXX XXXX XXXX XXXX : Open date XX/XX/XXXX Allegedly late payment XXXX XXXX Department of education XXXX XXXX Open date XX/XX/XXXX Allegedly late payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX These accounts where never late or missed a payment. I demand these accounts be Updated to its proper payment status of Pays / Paid as agreed. 
Pursuant of 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Furthermore I never gave you ( Insert consumer reporting agency ) or ( Insert Creditor ) any written instructions or consent to furnish any information on my consumer report, this is a violation of 15U.S.C 1681b.

Your company will be civilly liable for negligent non compliance pursuant 15 U.S.C 1681o ( 1 ) any actual damages sustained by the consumer as a result of the failure : Again, I demand these accounts be Updated to its proper payment status of Pays / Paid as agreed within 30 days of the receipt of this letter.
Product: Credit reporting or other personal consumer reports

I am submitting a complaint againsi Equifar for their failure to remove inaccurate accounts from my credit report, which is a direct violation of the Fair Credit Reporting Act ( FCRA ). Despite providing the necessary documentation to prove the inaccuracies, Equifax has not fulfilled its legal obligations under the FCRA, including ensuring maximum possible accuracy of my credit report ( 15 U.S.C. 1681e ( b ) ) and conducting a proper reinvestigation to remove the errors within the required 30-day period ( 15 U.S.C. 1681i ( a ) ).
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX. I am having issues with inaccurate addresses on my credit file. I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . Report and other furnished XXXX XXXX, XXXX XXXX, and XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Credit Act, you are required to comply. The following addresses are not mine please remove/delete them : XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX  XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX XXXX   XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX PA XXXX Please delete remove these incorrect numbers below. 
The following numbers are not mine XXXX, XXXX,XXXX,XXXX,XXXX,XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( XXXX ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX : {$65000.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX Balance : {$28000.00}.