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

Please See Attached Documents 15 USC 1681 S-2 You are a furnisher of information to the reporting to the credit bureau agencies . A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. You are PROHIBITED BY LAW to furnish accurate information. I demand you to CEASE and DECEASE of this inaccurate information immediately. You are hereby put on notice you have been reporting inaccurate information. 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( B ) Reporting information after notice and confirmation of errors person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) The lender must file a 1099-c and you a copy of the debt if more than XXXX $ and the lender is a federal institution, credit union, and government agency . Please send me my form 1099 c that they should of sent you that they filed as cancelled debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

received a copy of my credit report and found some serious violations of the FCRA. 
It is illegal for the original creditor which is Wells Fargo Dealer Services to Re-age a negative account that has been closed for years!!! This Account has been re-aged from the original first last date of delinquency and closed date!!! This account was closed and reopened without any consent or notified to me. This a serious matter and violation of the Fair Credit Reporting Act. I'm not playing with this erroneous errors on my credit report and will not allow you to violate my rights as a consumer. I am also filing a complaint with the Federal Trade Commission. 

WFDS Account Number : XXXX Please delete and remove from my credit report immediately.
Product: Student loan

I have been hit with17 delinquent accounts from NELNET on my credit score. I have worked extremely hard to get my score above XXXX and over night it has dropped below XXXX pts. I had no idea my loans were transferred from Great Lakes to NELNET as they had all wrong contact information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy And confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. states I have the right to privacy 15 U.S.C 1681 section 604 A. section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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

I have attempted to have Equifax, twice in the past, remove a XXXX account ( # XXXX ) that belongs to my dead father in the case of a mixed file. The two most recent letters are attached. I just got off the phone once again and was told they were powerless to remove accounts even if the account did not belong to me even though Equifax only needs to pick up the phone and call XXXX to confirm it is my dead father 's account and that he died back in XXXX XXXX, 2021.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred.Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions. 
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Product: Credit card or prepaid card

A PayPal account was opened in 2020 under my name. I have never opened or used pay pal. I reported this to the company and was put in a fraudulent account. Recently I was sent a letter stating I will still be responsible for this account. I have never had a pay pal account. Synchrony bank XXXX XXXX XXXX XXXX, FL. XXXX. XXXX. I also had a XXXX XXXX opened under my name and a j c penny 's card that was not attorized by me to be used. I put all of these under dispute. Have made two police reports, and I am still being ask to pay for these and they are not mine.
Product: Mortgage

I entered an offer to purchase contract with a {$4000.00} due diligence fee. Confident that I would buy the home based on pre-approval through the mortgage broker I was working with. Well 4wks. into the process after I paid inspection fees for septic and the home, appraisal fee ( for an Appraisal that was never done ). I find out I can't secure a loan b/c I have not been employed at my current job for 6mo. I told the mortgage broker from the beginning I was unemployed during the Pandemic for 9 mo. and I was recently bought on at my current company in XXXX of this year. She said that wouldn't be a problem b/c of my long term employment history before the Pandemic. Well now I have found out through other Lenders that with FHA there's a minimum of 6mo. The mortgage broker should have known this before I invested over $ XXXX into this deal. I feel she was negligent in her basic duties as a mortgage broker.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several letters to BOTH credit bureaus- XXXX and XXXX disputing this Account with ( XXXX  ) - name as reported to my credit report. They keep sending me a letter that this account was verified AND claims the it legally meet FCRA requirements but have failed to explain WHY, WHO, & WHEN. ( DEBT VALIDATION ) They have failed to present me with proper documents that show their method of verification. They have also failed to show me original documents bearing my signature with this account. 

This account also shows a few incorrect information such as the ''date opened '', ''account status- ONE BUREAU IS REPORTING OPEN and THE OTHER IS REPORTING ACCOUNT CLOSED '', ''dispute status '' and ''date of last activity ''. NEITHER BUREAU IS SHOWING AN ACTUAL CLOSED DATE FOR THIS ACCOUNT. THIS ACCOUNT NUMBER IS ALSO INCOMPLETELY REPORTED FROM BOTH BUREAUS.

This account is also in VIOLATION of Metro 2 Compliance because THIS ACCOUNT IS ALSO REPORTING INCORRECTLY & ALOT OF FIELDS ARE BLANK & MISSING INFORMATION. 

In addition, I have been sending dispute letters to these bureaus and they have FAILED to update the ''dispute status '' of this account. 

BOTH bureaus are reporting DIFFERENT INFORMATION on this SAME account which is ALSO against my consumer rights. According to the FRCA consumer reporting, agencies must correct or delete inaccurate, incomplete, or unverifiable information. If this INCOMPLETE, UNVERIFIABLE, UNFAIR, and INACCURATE information is not deleted in 30 days I will be visiting my local small claims court to begin the process of a Lawsuit against BOTH bureaus and ( XXXX XXXX I expect to receive an updated credit report within the next 30 days showing that this account has been DELETED.
Product: Checking or savings account

On XX/XX/2023 chime bank got a SSI payment in the amount of {$910.00} to my account prior to this I almost lost my life to a drunk driver I was XXXX XXXX XXXX in the hospital for over two weeks and then after that I was in the hospital for eight days before being released when I was released I found out that my wallet was missing in my phone with missing from the hospital I got a new phone a new phone number I contacted Chime bank and told them about my situation because I have no money in my account I ordered a new card put a temporary freeze on my card and disputed the transaction because I didnt have the {$910.00} in there I contacted XXXX they said I am under a XXXX fraud liability I told this to them I told him that I almost lost my life and that I need my credit right away if not I would be homeless in less than 10 days they contacted me and said they would have a resolution by XXXX XXXX which is way outside that mark I told them that I qualify for XXXX for liability and then I need my provisional credit right away I almost lost my life and they are not doing that and now me and my child are gon na be homeless they can issue visa said that they can issue my provisional credit right away because this is a top of an emergency situation XXXX XXXX XXXXAnd having a kid become homeless because they want to put an extra nail in the coffin and make me wait because I was a victim put in a report with identity theft.gov I did everything I was supposed to do but theyre not giving me my {$910.00} and when I disputed it they only did it for {$500.00} and not the whole XXXX I ordered new cards I need my money right away I told himI told him if you guys hold his money you guys will be held liable if I become homeless for damages that I suffer in between the XXXX XXXX said that Im under a XXXX fraud liability and that theres no investigation that needs to take place in order for me to get my provisional credit but now I only get paid once a month and they want me to wait for over a month for my pay I will get another Social Security check before they give me my provisional credit this is unacceptable
Product: Money transfer, virtual currency, or money service

I withdrew {$500.00} from XXXX on XX/XX/2021 at XXXX from Coinbase XXXX The funds were never transferred into my bank account. I've called and sent two emails requesting assistance on this matter. I received two case numbers. The first case # XXXX was issued to me on XX/XX/2021. The second case # XXXX was issued to me on XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

Notified company of reopened XXXX XXXX bk case -- still reporting as delinquent
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB : I am desperately trying to get incorrect information off my credit reports with the three major credit reporting agencies. And while, I have made some gains, I have yet to get the information I requested from them to validate their claims. All I have requested from them are original documents with my signature and other proving information to validate these errors and NONE have complied with my request. 
Below, is a list of certified disputes requesting specific information to validate the information. What I received back was a boiler plate statement that reads ; this account has been certified as correct WITHOUT ANY supporting documentation which I am entitled to under the fair credit reporting act section 609. I am growing tired of submitting disputes only to be ignored with regards to my specific request. Attached are all the certified mail receipts to all of the credit bureaus. They have failed to respond to my request and in doing so, I am requesting now that every account be permanently deleted from my credit reports for XXXX, XXXX, and especially Equifax. 
I am in negotiations to finally purchase a home and this is DIRECTLY affecting my ability to provide for my family. Any help in this urgent matter is appreciated. 
Please see the account information and the certified letter dates of receipt of all request. These accounts have been addressed multiple times only for the bureaus to ignore my request for validation information. 
Attached documents : Equifax : 1. XXXX XXXX XXXX XX/XX/XXXX -No Information provided original letter attached and ignored response {$100.00} 2. XXXX  XXXX XXXX XXXX No information provided {$390.00} 3. XXXX XXXX - Not a collection. no requested information provided 4. Bankruptcy - Equifax claims to have verified this from XXXX XXXX but my XXXX XXXX  account was Frozen and validation from the court claims they do not send request to bureaus so How can they validate. the account name was wrong and should be removed. 


XXXX 1. XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX ( this is on my report twice ) this is a duplicate but they are acting like I went twice. I have no way to prove what I did not do. 
2. XXXX XXXX XXXX {$600.00} 3. Dept of Ed was closed in XX/XX/XXXX and assumed by XXXX yet they started reporting non payments. I DONT HAVE PAYMENTS TO THEM. sorry, not yelling, just frustrated.
Product: Debt collection

I disputed this debt as I do not know anything about this debt and I have never done business with this company. The dispute was denied. This is not my debt
Product: Money transfer, virtual currency, or money service

( 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 red for these violations
Product: Credit card or prepaid card

Once again I am starting a complaint to fix an ongoing problem. The original CFPB complaint was XXXX. Bank of America said they fixed the problem with my credit card. However, based on the latest statement they didn't do anything. I have a credit card that has a XXXX interest promotion. Yet each month I get interest charges where I have to call the card to have them removed. The spend 30 minutes to an hour each call trying to convince the individual that BoA is charging me when they shouldn't. Of course none of then believe me so they argue with me. Eventually after they do research they realize they are the real problem, not me. Every person I speak with has no clue how to get this to stop and obviously the last person for BoA that worked this same issue didn't either. Bank of America has a very bad reputation for a reason.
Product: Debt collection

I was contacted by Williams and Fudge Inc about a debt that I owed to XXXX University. I was told that I could settle the debt of XXXX for half XXXX. I made a payment of 2000.00 on XX/XX/XXXX and it was processed on the XX/XX/XXXX. I made the additional payment of XXXX on the XX/XX/XXXX and it was processed on the XX/XX/XXXX. I was told that I would receive a written statement that my account had been settled. Today on XX/XX/XXXX I was told that the second payment of XXXX was not received and it was returned and I would have to pay it again. I reached out to the bank the card was from and they provided me with documentation showing that they still had the payment and it was not returned. When I spoke with the company the person I spoke with did not give me any reliable information, she told me that she saw I spoke with a person and made the payment for the remaining balance but it was not there and she didn't tell me who to speak with or explain to me how or what happened. The only thing she told me was I would have to pay the additional amount for it to be settled. I have attached the account balance showing the XXXX I paid from there site, the XXXX payment from my bank when it was made and when it was posted, along with the original email when the settlement was established.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 Sectio
n 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Accounts : XXXX XXXX XXXX {$4100.00} Original creditor : XXXX XXXX XXXX XXXX XXXX {$340.00} Balance updated XX/XX/ 2022 XXXX XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX {$2500.00} Balance updated XX/XX/ 2022 XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  {$4800.00} Balance updated XX/XX/2022 XXXX XXXX Original creditor : XXXX XXXX XXXX {$100.00} Balance updated XX/XX/XXXX 2022 XXXX XXXX Original creditor : XXXX XXXX XXXX {$200.00} Balance updated XX/XX/XXXX 2022 XXXX XXXX Original creditor : XXXX XXXX XXXX {$80.00} Balance updatedXX/XX/XXXX, 2022 XXXX XXXX Original creditor : XXXX XXXX XXXX {$340.00} Balance updated XX/XX/XXXX 2022 XXXX XXXX Original creditor : XXXX XXXX XXXX {$52.00} Balance updated XXXX XXXX, 2022 XXXX XXXX Original creditor : XXXX XXXX XXXX {$820.00} Balance updated XX/XX/XXXX2022 XXXX XXXX Original creditor : XXXX XXXX XXXX {$100.00} Balance updated XXXX XXXX, 2022 XXXX XXXX Original creditor : XXXX XXXX XXXX {$100.00} Balance updated XXXX XXXX, 2022 XXXX XXXX Original creditor : XXXX XXXX XXXX {$100.00} Balance updated XXXX XXXX, 2022 XXXX XXXX XXXX creditor : XXXX XXXX XXXX {$100.00} Balance updated XXXX XXXX, 2022 XXXX XXXX Original creditor : XXXX XXXX XXXX {$100.00} Balance updated XXXX XXXX, 2022 XXXX XXXX Original creditor : XXXX XXXX XXXX {$350.00} Balance updated XXXX XXXX, 2022 XXXX XXXX Original creditor : XXXX XXXX XXXX {$120.00} Balance updated XXXX XXXX, 2022 XXXX XXXX Original creditor : XXXX XXXX XXXX {$56.00} Balance updated XXXX XXXX, 2022 XXXX XXXX Original creditor : XXXX XXXX XXXX {$160.00} Balance updated XXXX XXXX, 2022 XXXX XXXX Original creditor : XXXX XXXX XXXX {$75.00} Balance updated XXXX XXXX, 2022 XXXX XXXX Original creditor : XXXX XXXX XXXX {$200.00} Balance updated XXXX XXXX, 2022 XXXX XXXX Original creditor : XXXX XXXX XXXX {$75.00} Balance updated XXXX XXXX, 2022
Product: Credit reporting or other personal consumer reports

I've attached three of my last disputes. The investigations have not been done properly. I asked for proper investigations and made it clear that eOscar is not an appropriate method of completing the two. The errors remain, continuing to make my consumer reports have multiple errors and not be uniform across the board. I have a standing cease and desist with the creditor ; however, it has been acknowledged and ignored. Repeated Charge-Off Reports : This account is inaccurately reported with monthly charge-offs, re-aging the debt illegally. This constitutes a clear violation of 15 USC 1681c ( b ), necessitating its removal. Everytime the charge-off is updated, the " on record until '' date changes. One report shows on record until XX/XX/year>, since the most recent charge off update for XX/XX/year>, the on record date is now XX/XX/year>, thus proving the illegal reading of the debt. I've attached proof. Although falsely stated on numerous reports, this account does NOT meet the requirements of the Fair Credit Reporting Act. This constitutes fraud and warrants legal action. 
I'm not sure what to do next other than arbitration/litigation. 
What can be done by the Consumer Financial Protection Bureau to assist?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting errors and rumors on credit reports.
Product: Mortgage

In XXXX 2021, I made my regular mortgage payment plus {$50000.00} to be applied to principal. I have continued to make regular payments on time since that payment. New Rez/Shellpoint misapplied the payment and believes that I missed a payment. The monthly payment is {$440.00} and there is over {$1000.00} in a suspense account not applied to my mortgage. I made phone calls, spoke to a representative and hung up the phone thinking the issue was resolved on XX/XX/2021, XX/XX/2021, and XX/XX/2021. I received a forclosure notice dated XXXX/XXXX/2021. I received a phone call today ( XXXX/XXXX/2021 ) asking for payment to prevent foreclosure and when I explained the situation the female representative said that I was just on a list for her to call and then hung up the phone on me. I called back and spoke to a gentleman who put me on a lengthy hold and then came back saying that there was an issue with their phone system and could not help me but suggested that I call back tomorrow.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am worn-out of sending dispute letters to Equifax requesting that they correct this mistaken account being stated on my Credit File because they have been doing nothing! This complaint is to follow up my prior protests and letters I submitted on XX/XX/2022 and to notify them that I am halfway of taking lawful action and litigating XXXX for their headstrong nonfulfillment of the FCRA statute. Only if they took time to update and correct the account on my Credit report, then I may halt filing proceedings against Credit reporting agencies. The account that should be adjusted is : XXXX XXXX XXXX XXXX Date XXXX Balance : $ XXXX Late Date XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I just got out of prison XX/XX/XXXX and starting my own business in XX/XX/XXXX I discovered I was a victims to identity theft and been steady trying to recover... 

Lobel financial is a lender I discovered works exclusively on loans for cars... 
They have approved a loan for someone else other than me but with my name. They allowed a car to be leased to someone that I don't have... I've contact credit bureaus lobel financial and made police reports with the local department and filed with the FTC
Product: Mortgage

1 ) Repeated failures to mail the monthly loan statements to our home in time for us to mail payment and make the first of month due date. For example, today is Sunday XXXX XXXX and we have still not received the XX/XX/XXXX Statement. We pay by check because we always add varying levels of additional principal to our mortgage payment. 
2 ) We are also experiencing very long time periods from the date we mail our mortgage payment and the time our payment is shown aas being received by them. Note that because of the above stated problem of not receiving statement in a timely manner, we ALWAYS try to mail our payment on the same day we receive the statement. 
3 ) The additional Principal paid with the monthly mortgage payment is not credited to the Principal Balance until the month after the mortgage payment is credited. 
4 ) Note also that I have called and talked to them about these issues, They stated that the Company is in the process of consolidating their loan processing centers and this is the reason for all the delay issues,