23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX XXXX XXXX XXXX  Address XXXX XXXX  XXXX MO XXXX ACCOUNT # XXXX I am writing you this letter regarding payments that were marked late by your company for the following accounts on the following dates XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX It is my understanding that per 15 USC 1681 ( A ) ( 2 ) ( A ) ( I ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( YOU ) making report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me. 
Furthermore, I am requesting that you provide me with, in writing the reasonable procedures ( according XXXX15 USC 1666 ( B ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payments due date. Include also, all the information required by section 1637 ( b ) of title 15.

You have 30 days from the date that you receive this letter to provide me with the information that i am requesting. If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account and i would time fore request that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( EQUIFAX, TRANSUNION, OR all that apply ) and updated the accounts to positive.

Please forward any changes to my account to the address below. thank you for you time and consideration in this matter. I look forward to hearing back something positive. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

My complaint is regards to Medical- XXXX XXXX XXXX reporting inaccurate information on my consumer credit report with XXXX  . As of XX/XX/XXXX, this account with Medical- XXXX XXXX XXXX shows an open account I did not open. I have disputed this account multiple times, and I ask XXXX XXXX to validate this debt. As of XX/XX/XXXX, XXXX XXXX has not validated this debt. XX/XX/XXXX, I reached out to XXXX XXXX, I spoke with XXXX the representative at XXXX XXXX, XXXX confirms there is no balance in their system shows for me. XXXX than transfer me to a XXXX and he confirms there is no balance shows delinquency in their system for me. Also, reached out to Tek Collect Agency, I spoke with XXXX the representative ; I asked XXXX to validate this debt of {$290.00} that shows on my consumer credit report because I do not recognize this debt. XXXX ask me to follow up with her within two weeks, she needs to reach out to XXXX XXXX to get documentation for this debt. XXXX confirms she did not have any documentation in their system to validate this debt. XX/XX/XXXX, I called back to Tek Collect Agency and I spoke with XXXX XXXX she asks me to call back around XX/XX/XXXX here system has no documentation to validate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have an account with Capitol One that closed my account & now I dont know where my money is, I dont have access to it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 

2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, TX XXXX 3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, TX XXXX 4. there is some inaccurate information reporting. 
XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

5. there is some inaccurate information reporting. 
XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

6. there is some inaccurate information reporting. 
XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

7. there is some inaccurate information reporting. 
XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

8. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX 9. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX 10. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, TX XXXX 11. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, TX XXXX 12. The inquiry was not authorized AUTOMTV CRDT Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

13. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

14. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

15. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

16. The inquiry was not authorized XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Money transfer, virtual currency, or money service

and your account.

( 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, 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 card or prepaid card

I applied for the Capital One Quicksilver Card. There was a promotional offer, Spend {$500.00} in the first 3 months and get {$200.00} back. I spent {$500.00} and never got the {$200.00} back. I was never told that I was ineligible for the offer. After I called customer service on XX/XX/2021, I was told that the offer was not available when I applied through the website. This is false. The fact that it was clearly written on the website is the reason why I applied in the first place. The customer service rep then said that if I were eligible for the offer, it would have said so after I was approved and that I got the 0 % APR instead of the {$200.00} intro bonus. This is also false. Capital One never said that the {$200.00} cash bonus has to be listed anywhere other than the first page. Most banks do not say, " You will get the bonus '' after approval. They just give the bonus after the requirements are met. Further, nowhere does it say that I will get either the 0 % APR or the cash bonus, but not both. I am supposed to get both according to the website. Before applying it gave vague circumstances under which people might not be eligible, but I did not fall into that category. The bottom line is that Capital One mislead me into believing that I would get {$200.00} back after spending {$500.00} in the first 90 days, but they never properly notified me that I am not eligible for the bonus. Capital One has a very corrupt method of getting people to apply for their cards. They advertise the introductory cash bonus, but then they do not pay out the bonus. They also do not tell people who are not eligible that they are not eligible. When the customer contacts them, they lie and say that the bonus was not available at the time of application. Then when the lie does not work, they lie again and say that it is either the bonus or the APR. Then when none of that works, they say that the customer should have known since the bonus was not listed anywhere after the application was approved. This is not the case with XXXX or XXXX XXXX, or any other bank I know.
Product: Money transfer, virtual currency, or money service

on many ocacasions, i sent money to the wrong user due to small discrepancies and was unable to reverse the charge to send to the correct person
Product: Mortgage

In 2010, we combined a first and second loan ( home improvement ) through Wells Fargo Financial in Texas. We told the WF rep that we wanted to combine the first and second at a 30-year fixed rate. The representative assured us we had the 30-year fixed rate loan and to sign the papers, which we did. We later discovered he had given us a 40-year simple interest loan. The would not allow us to include escrow for taxes and insurance. Wells Fargo Financial dissolved and Wells Fargo Home Mortgage now has our loan but wo n't refinance the 40-year loan to a lower term. Our principal has increased and not decreased at all. The interest is more than the payment each month. We are current and feel we were taken advantage of as we would have never signed a 40-year loan had we been told about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has came back to me and said the XXXX XXXX account # XXXX has been verified but it is inaccurate there is no such account with XXXX or XXXX under XXXX XXXX which is the Fair Credit Reporting Act ( FCRA ) section 611 sub section 5a it states Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 


The above account with said credit agency is not valid i demand this account be removed from my credit report immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, has violated my rights. 



15 U.S.C 1681 Section 602A States I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2, It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

My Name is XXXX XXXX XXXX, and I am formally writing to dispute inaccurate information on my credit report as provided under my rights in the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ). I did not authorize the reporting or release of my personal information to the companies listed below. This is a violation of my consumer rights to privacy, as they have no legal basis to report anything under my name. 
This letter serves as a formal request to investigate and correct the following inaccurate items in compliance with the statutory requirements outlined in the FCRA. 
Furthermore, there are unauthorized inquiries on my credit report that i did not initiate, which constitutes a case of identity theft. Pursuant to 18 U.S. Code 8, i do not owe any debt to these entities, and i demand the immediate deletion of the items and inquiries in question to correct my credit report Please address this matter promptly and confirm the removal of the disputed entries.
Product: Checking or savings account

In XX/XX/year>, I funded a BMO Alto online savings account with {$240000.00}. A fee weeks later, I found another online savings account that paid a higher interest rate. I transferred {$150000.00} from the account back to the XXXX account. A few days later when I attempted to log in to BMO alto account, I was locked out due to fraud trigger. They requested documentation which I emailed right away. A week later, I am still locked out. I have called daily and they keep telling me the documents are under review. They refuse to provide me further information and are keeping me from accessing my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax reported incorrect information to XXXX when I applied for a personal credit I sent a letter to Equifax about the issues but nothing has been resolved
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$5300.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

XX/XX/2022, I had refused to sign the as the loan cashout was reduced from XXXX to XXXX from initial disclosure to final disclosure respectively. 

I had accepted to sign the loan only after the mortgage officer pleaded with me to sign the documents on phone while in closing event after the closing agent who had come to my home called the loan officer as I refused to sign. 

The loan officer said that I have until XX/XX/XXXX to rescind. I had accordingly signed and cancelled on XX/XX/XXXX. However, there is a clear trust violation that has happened here as XX/XX/2022 is the fourth day from closing. 

My previous compliant on the company was returned empty handed saying that I did not cancel on due time. You should be aware, I was misguided here and I had trusted the loan officer. 

In your response you had not commented anything on the loan officers deliberate lie to misguide me. 

In order to alleviate my distress and the feeling of being betrayed by the loan officer, I want to atleast convert my creditor checks in my name so that I can utilize them on a water damage repair to my home as I have claim, I had earlier used that money to my failing business to survive my situation. 

Pls. let me know if you can do that, that way, I can atleast find some benefit over an immediate expense I have that way, I can get rid of the anger, distress and feeling of being betrayed by your loan officer. 

The checks and check amounts pertain to the following creditors are 1. IRS Repayment plan ( {$4900.00} ) XXXX. XXXX XXXX ( {$3700.00} ) XXXX. XXXX XXXX XXXX ( {$1900.00} ) XXXX. XXXX XXXXXXXX ( {$1700.00} ) Pls. change it to my name and send.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several disputes online and over the phone with XXXX regarding a hard inquiry on my credit report. All cases have been closed advising it is correct and will remain on my report for 2 years. This hard inquiry was applied by Citi Bank/Best Buy on XX/XX/XXXX. I have not applied for a credit card for Best Buy. I contacted Best Buy on XX/XX/XXXX, first spoke to XXXX and was advised he could not locate an application to match my personal information including my SSN. I was then transferred to XXXX and was again advised there was no application or credit card opened under Citi Bank/Best Buy. I have asked Citi Bank/Best Buy to provide me something in writing to confirm I did not apply for this card since XXXX keeps confirming I am responsible for this inquiry. I would like this removed from my credit as it dropped my score significantly after this inquiry was reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account name and numbers : DEPT OF ED/XXXX  Account number XXXX, XXXX - XXXX XXXX  Account number XXXXXXXX XXXX XXXXAccount number XXXX,, XXXX XXXX, Account Number XXXX, has violated my rights. 15 U.S.C. 1681 section 602 A, states that I have the right to privacy. 15 U.S.C. 1681 section 604A section 2, also states that a consumer reporting agency can not furnish an account without my written instructions
Product: Debt collection

On or about XX/XX/XXXX I received a collection notice from XXXX XXXX XXXX   working as an agent for XXXX XXXX XXXX, Offering to settle an account with XXXX XXXX XXXX XXXX, XXXX This account was settled and Dismissed on XX/XX/XXXX thru local court. I received a Notice Of Dismissal from court signed my local judge and attorney for XXXX XXXX XXXX XXXX, XXXX I answered the letter and enclosed a copy of the notice I assumed this would resolve the issue. I heard nothing until today when I received another collection notice even though I had sent them a copy of the Dismissal They stated they were willing to settle for 35 % of original amount. Once again I sent them a copy of the notice. This is not right and I am not happy about what I consider an attempt at fraud
Product: Debt collection

I have these strange accounts in collections that dont belong to me. 

I fear I may be a victim of identity theft
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXXXXXX
Product: Mortgage

I am working on my second attempt at a mortgage modification with Ditech Financial LLC. My first attempt at a modification was denied due to the time it took for Ditech to process my application. During my first modification I talked to to several different representatives, I was told different things by different reps. I submitted the same documents over and over again, the documents would get lost or overlooked. The entire process took over 10 months. I have now completed the paper work for my second modification, all that they requested was in on  XXXX   XXXX   2017 . To this day they have not moved it along to decide if they need any more documents or if is complete. I had a representative tell me just yesterday that once the have all the documents it should only ta ke 3-4 busin ess days to look over it, its been 40 days. I want to stay in my home and I do n't understand why they are not working with me. You think with the effort that I am putting in calling 3 times a week that they would do their job, but it has n't done me any good, what so ever! My circumstances have changed and I have money saved. I am ready to get this resolved and move on with my life!
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using XXXX numerous times and reporting discrepancies, my financial institution and XXXX 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 XXXX 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: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I received notice that my PayPal accounts have been permanently limited. I have two PayPal accounts which are XXXX and XXXX. Ref ID XXXX was issues for XXXX on XX/XX/XXXX at XXXX and Ref ID XXXX was issues for XXXX on XX/XX/XXXX at XXXX. 

I have {$1400.00} in XXXX and {$2100.00} in XXXX which totals to {$3600.00}. This is a large amount of money being withheld from me. 

Week of XX/XX/XXXX, I called PayPal customer service about why my accounts were permanently limited and why my money is being with held from me. The representatives response was that they have no obligation to disclose why my accounts are being permanently limited and my why my money is being withheld from me. 

On XX/XX/XXXX, I sent PayPal a letter requesting why my accounts were permanently limited and why my money is being withheld from me. 

On XX/XX/XXXX, PayPal responded saying that my accounts were reported to be involved in possible fraudulent or high risk behavior. I must want 180 days from the limitation to withdraw my money. 

On XX/XX/XXXX, the {$1400.00} in XXXX transaction ID XXXX and {$2100.00} in XXXX transaction ID XXXX which totals to {$3600.00} was transferred to PayPal citing PayPal 's damages caused by acceptable use policy violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

For over 3 months I have been communicating with the Credit bureaus.I had two public record bankruptcies on my credit report. I contacted XXXX filled a dispute and they deleted from their data awe and my consumer file. For 60days now Ive been getting the run around with the credit bureaus on deleting this from my credit report. Under the fair Credit Reporting act 604 Im asking for these public records be removed. XXXX as informed that they will be filling a manual dispute as well as a unverified clarification dispute also. I spoke with XXXX at XXXX On XX/XX/22 in regulates of this matter she informed that these filling will take additional 40-60 days which is unfair especially when these are not on my consumer report