23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

ISSUE : Seeking assistance in our complaint with Wells Fargo Home Mortgage in not releasing a Deed of Trust in a timely manner ( 15 plus Days ). Holding up Real-Estate closing with potential losing contract causing undo hardship to myself and our contracted buyer in not providing documents within the contracted widow. 

BACKGROUND : I am currently in the process of closing in the Real-estate sale of my property address of XXXX XXXX XXXX, XXXX, VA XXXX inherited from my brother. His initial mortgage from XX/XX/XXXX in the amount of {$64000.00} was with XXXX XXXX XXXX XXXX, which was acquired by Wells Fargo in XX/XX/XXXX. The loan was refinanced under XXXX XXXX XXXX XXXX in or around XX/XX/XXXX, which it appears a Deed of Trust was not filed with Deed, in acquisition Wells Fargo assumed responsibility for any errors conducted by XXXX in non-compliance with VA XXXX, Paragraph 9. In communication with our Closing Real-Estate Attorneys office Wells Fargo stated they have to research the unreleased deed of trust with a turnaround time for a response of 15 days and then they have to prepare the actual release. The initial closing date was XX/XX/XXXX, per the contract now closing must be completed by XX/XX/XXXX ( 10 days from base closing date of XX/XX/XXXX ). We feel this is an inordinate amount of time to process this action being all document/account history is in-house to Wells Fargo.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX i started a transaction to move XXXX LTC over from one exchange to XXXX/Coinbase the transaction was confirmed in the block chain and XXXX sent me an email saying Valued XXXX client, Your Litecoin deposit of XXXX LTC ( worth {$52.00} USD ) completed successfully but was not moved from your Coinbase account to XXXX. 
Please view your account to double check your deposit and manually move your funds to XXXX. 
- The XXXX Team I assumed no big deal, Ill just manually move it. Well the LTC was nowhere to be found. It just disappeared luckily i was only moving a fraction of my currency before i moved all of it, because i would have been much more upset losing more than the 50+ dollars at the time. 

Anyway, i started a support ticket and the only email response i received was on XX/XX/XXXX linking me to an FAQ page as to why my transaction could be pending. However, MY TRANSACTION WAS NOT PENDING. It was CONFIRMED. So they obviously did not even read my support ticket. I replied again to their support and havent heard a response since. I will not deal with this company any more aside from when i get my LTC back, and only to move it out of their exchange.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is an on-going issue I'm having with TRANSUNION. They are violation of the FCRA. Per 15 USC 1681 ( 2 ) ( A ) ( i ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; SO WHY ARE THEY STILL VIOLATING MY CONSUMER RIGHTS AND SHOWING LATE PAYMENTS AND UTILIZATION ON MY CONSUMER REPORT? THIS IS CLEAR VIOLATION OF THE ABOVED FCRA SECTION. It shows I have charge offs for : XXXX XXXX {$3600.00} XXXX {$3800.00} XXXX XXXX {$1100.00} XXXX XXXX  {$15000.00} XXXX XXXX {$0.00} XXXX XXXX {$130.00} XXXX  {$110.00} Collections : XXXX XXXX XXXX {$1400.00} None of my transactions or experiences should be shown. WHY ARE THEY VIOLATING MY RIGHTS AND THE CFPB DOES NOTHING. HELP!! ANY AND EVERYTHING RELATING to my Charge OFF Accounts, Late Payments of credit Utilization should be removed within 10 days of receipt of this statement. I JUST retained a consumer law lawyer to file for arbitration against XXXX and any of its affiliated for the violations that I'm incurring. How its causing me gravely consequences even though the violation is as clear as day. I'm looking only for deletions and failure to do so will result in me seeking monetary compensation for each violation granted to me under 15 USC 1681 n1. I will be seeking no less that {$1000.00} usd for each violation and we've counted over XXXX. PLEASE DELETE ALL RECORDS OF LATE PAYMENTS, UTILIZATION, CHARGEOFFS AND COLLECTIONS PER THE FCRA. THIS IS THE LAW, ITS NO REASON TO REACH OUT TO THE ALLEGED DEBTORS. THIS IS CLEAR VIOLATION AND FAILURE TO RESPOND WITH DELETIONS WITHIN 10 DAYS I WILL REACH OUT TO MY LAWYERS TO START THE ARBITRATION PROCESS SWIFTLY.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that remains on my credit report despite previous disputes filed with your agency. The failure to correct or remove this information after my attempts to resolve it is in violation of your obligations under the Fair Credit Reporting Act ( FCRA ), as recently highlighted in the Consumer Financial Protection Bureau 's ( CFPB ) lawsuit against XXXX ( Case No. 8:25-cv-24 ). 

The Consumer Financial Protection Bureau ( " Bureau '' ) brings this action against XXXX XXXX XXXX XXXX XXXX ( " XXXX '' or " the Company '' ) under the Fair Credit Reporting Act ( " FCRA '' ), 15 U.S.C. 1681 et seq., and the Consumer Financial Protection Act of 2010 ( " CFPA '' ), 12 U S C
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 proce 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 reporting, credit repair services, or other personal consumer reports

I had a letter sent out to me that said I could settle an account on my Credit Report for XXXX XXXX XXXX. It was in Collections, and by setttling it ; it would move out of collections and be closed within good standing. It updated ( good standing ) on 2 reports, was sold to another lender though, and. Im having an issue getting XXXX Credits Report updated, Its returned back on other reports, like Credit Karma, and now Im having it difficulties getting it removed from the collections section ; paid off, and showing in good standing. I had disputed it too soon at first, unaware of what it was in XXXX. Because of that XXXX wont allow me to ever dispute it again, and its impacting my score terribly on that particular Credit report, and now all of them as this new lender cross paths as I settled and paid it off, and is placing it back everywhere it seems
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX XX/XX/year> - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXXXXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXXXXXX The following inquiry was not authorized and should not be reporting. 
XXXX  XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX The following inquiry was not authorized and should not be reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several cards on my report that I have never received
Product: Credit reporting or other personal consumer reports

This account XXXX XXXX XXXXXXXX was reporting inaccurately and violating my FCRA rights as I am entitled to accounts on my report being accurate and verifiable, The other two credit bureaus removed this account because they were unable to properly verify it. I'm confused why you are still reporting this account and you have access to the same information the other credit bureaus do? Please send proof that this account has been properly verified or DELETE this account XXXX XXXX XXXXXXXX from my report immediately for failing to comply with FCRA. THANK YOU FOR YOU TIME
Product: Credit reporting, credit repair services, or other personal consumer reports

The letter you sent state you conducted a thorough investigation into this matter and concluded that someone did obtain a loan with your company using XXXX XXXX XXXX personal information first that fraud m name is XXXX XXXX Second you state i open a loan at your branch XXXX in XXXX Mo on XX/XX/XXXX but my report states the acct was open XX/XX/XXXX so you wrote a letter that falsely saying i had number XXXX then it says the acct-was transferred to Branch XXXX XX/XX/XXXX the letter makes no sense and its all over the place i will fight you in court and i will not stop this is fraud and miss use of my rights XXXX XXXX XXXXXXXX has stated in a documented letter of their inaccuracies also included my personal info and id to show im not XXXX XXXX this is on m acct inaccurate I also added Sectary of State XXXX XXXX i also included my info for awareness
Product: Credit reporting 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 accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts 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. 
XXXX XXXX Balance : {$1400.00} XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX  XXXX XXXX XXXX XXXX {$2800.00} XXXX XXXX XXXX  XXXX Balance : {$8400.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$930.00} XXXX XXXX XXXX XXXX Balance : {$710.00} XXXX XXXX  XXXX Balance : {$230.00} XXXX XXXX  XXXX Balance : {$4400.00} XXXX XXXX  XXXX Balance : {$840.00} 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 XXXXXX/XX/XXXX
Product: Credit card

when my renewal for my membership fee from american express was up, i called and cancelled my card. i have a letter from them acknowledging my cancellation .they continually charge my card that membership fee and charge me late fees.they know say i owe them about XXXX dollars all from a membership fee and late charges. i told them i dispute the charges and told them to send it to a collection agency so i can bring it to arbitration .they do nothing but continual to charge me late fees
Product: Credit reporting

I sent XXXX XXXX XXXX a creditors validation letter in which the are suppose to respond back to me accordingly to the FDCPA. In which, they failed to do in the allotted time frame of 30 days.
Product: Credit card

I paid this account off XX/XX/2022 and it was still in collections months after the payment was made
Product: Debt collection

I took out a payday loan in 2021 and paid it off. They are now asking for more money.
Product: Debt collection

transunion is continuing to report a medical bill and violate my rights! Not only does this violate someones XXXX rights so many other violations!
Product: Vehicle loan or lease

I made an online payment on XXXX. My payment was actually on XXXX, but because it was a weekend, Toyota did not count it until XXXX. I recieved an email conformation on XXXX from Toyota stating they received my payment on XXXX. My financial institution has withdrawn the money from my account. The website still says past due yet the website shows my payment made on XXXX and I am receiving approximately 14 phone calls in the past 7 days! That is harrassment!!
Product: Credit card or prepaid card

I am XXXX XXXX and Im submitting the complaint myself and there is no third party involved. I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan, was given a credit limit of {$300.00} by Genesis FS Card Services , Inc. XXXX Destiny Card. There should not be a credit limit, only an open-end credit plan for the card I received which means my balance at the end of each billing cycle should be zeroed out and there should not be a minimum balance due pursuant to 15 USC 1602j . Please rectify this account to an open-end credit plan and refund me the minimum payment that was paid as I am invoking my specified remedy as an original creditor and the consumer.
Product: Credit reporting or other personal consumer reports

My account with TransUnion was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they
are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments 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.

TransUnion Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Money transfer, virtual currency, or money service

PayPal wrong {$310.00} pay sent to you my money back Please please I hurt broke
Product: Credit reporting, credit repair services, or other personal consumer reports

I the consumer did not consent too nor authorize these inquiries that are reporting to my transunion file. I did not give my permissible consent to any of these corporations to obtain my consumer report from my transunion file. TransUnion did not have my written consent to obtain my consumer report per section 15 USC 1681n ( b ). Per federal law states that any corporation whom willfully fails to comply with the requirement of 15 USC 1681n is liable to the consumer in the amount of {$1000.00} per section 1681 ( n ) ( a ). Transunion sold my credit file to these corporations without my consent. I sent Transunion an identity theft report with a bill and a copy of my Driver License via certified mail. Is Transunion above the federal law? How are they able to share my consumer report without them contacting me for consent. Transunion humiliated me to the public and damaged my reputation.I never knew a third party agency whom is not government affiliated can be above FEDERAL LAW. Transunion decreased my credit score because of these unauthorized inquiries.I did not benefit from any of those inquiries Im requesting TransUnion to provide me with a copy of an application with both parties signature. I am requesting for a senior executive produce an affidavit of truth stating that I granted Transunion permission to furnish or share my consumer report, and have it notarized by the senior executive stating that I gave them permission to share my private information ill accept the inquiries. If not I demand all of the inquiries be blocked and removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I set up a payment plan with XXXX XXXX for a secured credit card account that was reported on my credit report as a closed account that was charged off in XX/XX/XXXX. My credit limit was {$200.00} and that was also my deposit. They took my deposit for the balance due and some interest charges and charged me {$160.00} for missed payments and interest from XX/XX/XXXX until XX/XX/XXXX when the account was closed. I made one payment of {$16.00} on XX/XX/XXXX and then changed my payment plan to pay a higher amount on XX/XX/XXXX so I could finish the agreement faster. On XX/XX/XXXX I disputed the account through Experian because I was getting notifications of missed payments on the account even though it was closed and reported as charged off. It was also lowering my score every month because it was considered another missed payment. Their results from the dispute were " Account charged off. {$160.00} written off. {$120.00} past due as of XX/XX/XXXX. '' I wasn't sure how the whole process worked with getting updated information on my report so I waited until my payment plan was done and I disputed the information again. I submitted the email from XXXX XXXX showing that as of XX/XX/XXXX my account was settled with this dispute. The results from this dispute said " Account charged off. {$160.00} written off. {$73.00} past due as of XX/XX/XXXX ''. When I look at my credit report it says failure to pay from XXXX to XXXX. The report looks like they charged off {$160.00} and I still owe {$73.00}. It also says that I am utilizing 37 % of my available credit even though this is the account they are using for that number. I technically have no revolving credit to utilize right now and I can't obtain credit from most places because of my credit report that is inaccurate. I have no open credit cards. When I spoke with Experian over the phone they said that the creditor reported that I still owe {$73.00} so that is what is shown on my account. They also said that the creditor is reporting late payments every month and that is what is making my credit score decrease. When I spoke with XXXX XXXX they said they have my account as paid in full but it may take up to 90 days for them to report that to the credit agency. I'm not sure who is correct here but I do not feel it is fair for Experian to mark a late payment every month on an account that is closed and actually paid off. All of my settlement payments were on time and that is not reflected in my credit report either. I also noticed that on my experian report they have me as having 8 charge offs for XXXX XXXX and 26 charge offs for XXXX XXXX XXXX. I have only had 1 account with each of these companies. How could they charge off the same account multiple times and why would Experian report it that way? Experian says it is how they report it and that even though the account is closed it will continue to bring my credit score down as  long as XXXX XXXX reports every month that I failed to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is like my 3rd or 4rh time filing the same complaint against the same credit agencies. Im still having to reset my passwords every day or Im getting locked out of my account this happens every day and yall say its going to be fixed and nothing has happened and Im getting tired of it. Im paying for stuff I cant access. Im also paying to update my credit report every day thats not working. These credit agencies are no good I bet if I had to log in to pay a bill it would log me in real easy. Of I continue to have his issue like I have been Im goi g to see what type of legal action I can take against transunion, XX/XX/XXXXand XX/XX/XXXX. This been going on 2 months now every since I did my identity theft report and disputed thing that was not mines. I e been on the phone all day everyday with these companies and nothing is getting resolved. XX/XX/XXXX says they do t have enough credit on me to provide me a score and respfuse to let my credit company report my payments. And there allowing it to go down and transunion just refuses to do anything. My profile cant. E locked because I have a dispute thats been open since XX/XX/XXXX and they wont tell me anything so while there not doing anything my information can be accessed all because I cant lock my profile. If its like hat hen I fathers all 3 agencies remove my freezes and credit locks off there site because its doing more hard then good and here not protecting anyone from identity theft so whats the point. Just remove my stuff you have my permission since no one is not doing anything.its tiring and XXXX me off. If my identity it stolen again or my reports are access by someone I didnt give permission too I will be filing a lawsuit against anyone involved. Thats mean XXXX 3 credit agencies and all the consumer websites thats Involved in making decisions on my personal reports. Thank you
Product: Mortgage

To Whom It May Concern : Unfortunately, in XXXX I submit my monthly payment on time. There was a ussue with my account some had acess my account and did some fraudulent charge I was refunded after the investigation I am asking to please removed that 30 late so that I may refinance the house so I can get a better rate It was an exceptionally busy time and my life as Recently, As you may know, XXXX scores are being used more and more in the selection of prospective job applicants. 
In light of my renewed focus and demonstrated commitment to rebuilding my trust with your company, I am requesting that you give me a second chance at a positive credit rating by revising the late payment ( s ) as reported on my XXXX major credit bureau files ( XXXX, XXXX, and XXXX ). I sincerely hope THE MONEY SOUR believes in their customers and I humbly request your consideration to allow me to pursue the career of my dreams. I appreciate your time and look forward to receiving a favorable decision from you department soon. 

XXXX SOC SEC # XXXX DOB XXXX XXXX, FL XXXX
Product: Checking or savings account

Wallet was stolen. My id, XXXX XXXX XXXX  which has my member id in it. You must scan in order to purchase from the store. 
My Bank of America credit card was in there along with other cards as well. 

My XXXX XXXX was used fraudulently as well as my BOA card. I submitted documents of the fraudulent charges on XXXX XXXX. Also had an email from XXXX  store in XXXX XXXXt from manager. 
Money was recouped from my checking account for charges not authorized. 
XXXX was able to confirm fraud.