23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX Creditor Wells Fargo obtained a Judgment in the amount of XXXX plus interest. The Judgment was obtained Through their law firm at the time XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Phone XXXX. On XX/XX/XXXX through my 3rd party XXXX XXXX I faxed them at XXXX the fax was an offer to settle this account to obtain a lien release on the property as I have sold my house located at XXXX XXXX XXXX XXXX XXXX NY XXXX and must close by XX/XX/XXXX. From XX/XX/XXXX to XX/XX/XXXX I made many attempts to settle. On XX/XX/XXXX I was told by XXXX XXXX that the debt was transferred to another Law firm and to Contact XXXX XXXX at the law firm of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX Phone XXXX. On XX/XX/XXXX I faxed them for the same request for settlement and followed up with phone calls to XXXX XXXX whom has not answered me yet. I was also able to speak to the receptionist and attorney or paralegal there by the name of XXXX XXXX Ext XXXX. They both confirmed that they could not find that file. 
On XX/XX/XXXX I called back XXXX XXXX at the previous law firm XXXX XXXX XXXX and she confirmed to me again that this matter needed to be cleared up with XXXX XXXX at XXXX & XXXX XX/XX/XXXX I called back again XXXX XXXX Left a message and spoke to the receptionist again that the file was not there. Now I am fearful that I will not be able to close on my house and I will have a foreclosure on my record instead of a sale. I am being harmed by the aforementioned herein as they refuse to settle with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am stating that TransUnion, XXXX, XXXX are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as TransUnion XXXX XXXX, XXXX may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, NEVER gave TransUnion, XXXX, XXXX any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my TransUnion, XXXX, XXXX credit report : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) : ACCOUNT # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) : ACCOUNT # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) : ACCOUNT # XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX ACCOUNT # XXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give TransUnion, XXXX, XXXX permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. ( TransUnion, XXXX, XXXX is violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF TransUnion, XXXX, XXXX wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from my TransUnion, XXXX, XXXX consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX  - Account Ending XXXX XXXX XXXX XXXX - Account Ending XXXX XXXX XXXX XXXXXXXX XXXX - Account Ending XXXXXXXX XXXX XXXX  - Account Ending XXXX XXXX XXXX - Account Ending XXXX Inaccurate Accounts listed on Transunion Report.
Product: Credit reporting

I had an account with XXXX/XXXX. File # XXXX/ XXXX/XXXX. XXXX offered a settlement agreement for {$230.00} which I accepted. XXXX reported same as paid as agreed, XXXX balance per attached. XXXX and XXXX removed the item in it 's entirety from my credit reports. Experian refuses to show a XXXX balance or remove line item, although I have provided proof of same.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of the following false disputed accounts : 1. XXXX XXXX XXXXXXXX XXXX  XXXX 2. XXXX XXXX XXXX  account XXXX 3. XXXX XXXXXXXX XXXX XXXX XXXX 4. XXXX XXXXXXXX XXXX account XXXX 5. XXXX XXXX XXXX account XXXX Please investigate and delete asap.
Product: Checking or savings account

i was supposed to receive a refund {$430.00} from XXXX on the account number ending XXXX and also another refund from the checking account ending XXXX {$23.00} from XXXX and the refunds are showing pending on both of this checking account and the funds are not yet available this funds are supposed to be available for immediate used and M & T Bank Has Not Release this Funds Back to my Account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX To legal Staff ; Discover Card You continue to send me new statements after 2 years of me making no payments because you closed my account in XXXX-I quit paying because of Covid and you charged this off. 
In XXXX of this year you sent me new statements and renewed my account-I did not sign anything to reopen this account. When you renewed my account in XX/XX/XXXX my credit score was XXXXyou now say Im 120 days late and continue to ruin my credit-down to XXXX now. I have disputed this wrongful reporting and seeking legal advice now. You have fraudulent added payments you are saying I paid from XX/XX/XXXX to XX/XX/XXXX ( My last payment to you was XX/XX/XXXX ) -but you show nothing before XX/XX/XXXX You have damaged me and either correct this report or I will seek damages against you. Im XXXX XXXX XXXX and my credit is ruined because of your fraud reporting. 
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 card or prepaid card

On XX/XX/XXXX I made the last payment on my XXXX XXXX account. I have used the company multiple times for furniture financing and have had this account since XX/XX/XXXX. In XX/XX/XXXX I had a financial hardship and as a result I had the only late payment I have ever had on this account. Because I paid the account off two months early, XX/XX/XXXX, and only had one late - I wrote a letter to this creditor ( received by Synchrony on XX/XX/XXXX ) asking for consideration of forgiveness for my single late as I am in the process of buying a home. I did not receive a response to that request but three days later ( XX/XX/XXXX ) I received an email stating they were closing my account due to my credit score, the credit report also cited a pull date of XX/XX/XXXX. Although the account has a Status of " Paid, Closed '' it also was updated with a Comment stating " Account closed at credit grantor 's request '' and is reflected as a potentially negative item on my credit report. Since I completely paid off the account without any new transactions more two months prior and the credit report referenced as being the backbone for a decision in XX/XX/XXXX, was pulled in XX/XX/XXXX, I have reason to believe the Comment placed on my credit report and the account closure was done out of spite.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX account # 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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
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 COMMISSION or https : //www.ftc.gov to file a report 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 blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Names : 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 GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX  XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$860.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$4800.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 alleged identity theft, not later than 4 business days after the date of receipt. 



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Product: Mortgage

I recently refinanced through XXXX XXXX in XX/XX/XXXX and my first payment is due in XXXX XXXX 2016 according to the note. However i received a letter dated XXXX XXXX 2016 that the loan was sold to CMC funding C/O XXXX XXXX XXXX. After numerous calls in XX/XX/XXXX to both XXXX XXXX XXXX and CMC funding i have not received loan account numbers from new Servicer. I was told from both bank agents that I would receive welcome packet within 15 days from the first payment is due. Today is XX/XX/XXXX and i have not a welcome packet. After calling CMC funding on XX/XX/2016, they could not even locate the file, using SSN or home address. The XXXX XXXX agent directs me to call XXXX XXXX XXXX, XXXX XXXX XXXX directs me to CMC funding and CMC funding is Directing me to XXXX XXXX. 
I have attached the letter and could CMC answer why I have not received a welcome packet within 15 days of due payment Thanks
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting Act NAVY FEDERAL CR UNION Account # XXXX, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) 860 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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.
Product: Vehicle loan or lease

When Ally Financial finally got caught as a subprime lending scam over a year ago and successfully sued for said action I contacted them and told them to remove the actions off of my credit and they did. Sort of. They listed it paid but never corrected the constant credit report abuse of misleading and incorrect data. 

I was a co-signer. Its my exhusbands loan to which he was repossessed twice and we paid thousands to fix repossessions to get back car. He paid off the loan right before class action. {$28000.00} when I told them to remove and correct due to class action they did so. However in a year Ive struggled to raise my credit XXXX points and then dropped it this month XXXX points for again incorrectly reporting payment history and to why they did so Im unsure of. Cant be legal. This was reported paid. Finished. After 8 years of trying so hard to fix my credit to purchase a home white in college full time and working as hard as I am to secure a affordable car loan with my tax refunds they did this. I was almost at XXXX and not Im in the XXXX again. +10 % interest on any loan if I can even afford it now. This is so unfair. XXXX paid it and theyre in a class action why are they still requiring credit of mine to which Im working so hard for. Im trying ti buy a home so I can finally have a roof over my head. This isnt okay and Im about ready to sue them myself. Ive had my credit go above and under every time I raised it for 8 years.
Product: Credit reporting or other personal consumer reports

Formal Dispute of Inaccurate Credit Reporting under FCRA and Consumer Law To Whom It May Concern, I am writing to dispute inaccurate information on my credit report formally. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires less I am writing to dispute inaccurate information on my credit report formally. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to reinvestigate disputed items reasonably. 



Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding XXXXXXXX XXXX  failure to conduct proper investigations. 

Specifically, in a lawsuit against XXXX, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. 



As per 15 U.S.C. 1681 ( a ) ( 1 ) ( A ), XXXX is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law. 



I hereby request that XXXX : Conduct a thorough reinvestigation of the following disputed accounts or items [ list the specific accounts or items you are disputing ]. 
Provide me with all documentation used to verify the accuracy of the disputed information. 
Correct or delete any information that can not be verified or is inaccurate, as law mandates. 


Given the recent CFPB findings, l expect XXXX to handle this dispute with the utmost seriousness and compliance with legal standards. 


Suppose XXXX fails to comply with its obligations under the FCRA. In that case, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 

Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file.
Product: Mortgage

I recently applied to my mortgage lender, Wells Fargo, to have PMI removed from my monthly mortgage payment. I paid Wells Fargo {$100.00} to have a Brokers Price Opinion performed with the understanding that since I had not made any structural improvements the LTV % would need to be XXXX % of the BPO or lower. When the BPO came back, I was at XXXX % and there was no letter attached stating my options. I called WF and asked about the options. They explained the options including that if I did nothing the PMI would be removed when the LTV hit XXXX % of the BPO which would be in XX/XX/2017. A few days later I received a letter from WF with my options and the above option was not listed. I called today to get clarification and they now say that the option explained to me was not correct. I want them to live up to the option they described on the phone!!!
Product: Vehicle loan or lease

I took a loan from Lendmark in XXXX of XXXX. The dealer who sold me the car finances through Lendmark accidentally mailed me, the consumer, the title. I turned the title back in to Lendmark. The title was then processed through the normal channels through the state of Alabama. However I made an attempt to refinance the vehicle at a lower interest rate through my credit union shortly after taking possession of the vehicle. Upon which I learned that the title forms submitted to the state of Alabama were incorrect, verified by the state of Alabama titling office, and that my credit union could not refinance the loan therefore sticking me with a 22 % interest rate. I have since then, XXXX of XXXX, until today XX/XX/XXXX, been fighting with lendmark to simply get the title in their possession corrected. There was an attempt made by me in XXXX to get the title corrected myself through the state of Alabama, to which the state of AL told me that I myself could not make the correction as I was not the one at fault. So for well over 2 years I have been paying for a vehicle I can not legally put a tag on and I have followed my end of the loan contract with insurance requirements and address changes as necessary. I am out of options. Since I have not legally been harmed over this yet, I am unable to sue, but I am forced to make payments on the vehicle. I simply want the title issue resolved so that I can avoid the headache of filing suit against Lendmark when my loan is paid off. I currently have the money to satisfy the loan in full, but if I do that then I will be left with a situation that is not resolvable by myself
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my consumers credit report from your bureau and hereby dispute the completeness and accuracy of the following information. This information is injuring my consumer report and I request that you correct this information immediately. I assume 30 days is a reasonable amount of time for your investigation. After your investigation, please provide me with an updated credit report as well as the names, addresses and telephone numbers of the individuals that have been contacted. The information I am disputing is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

One of the 2 accounts from USAA is showing correctly, however one was  not closed correctly with USAA, making it show negatively where they closed the account because it had been fraudulently compromised.
Product: Money transfer, virtual currency, or money service

I am formally submitting a complaint against Cash App ( Block , Inc. ) due to substandard customer service and practices that appear to contravene the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App has demonstrated a failure to implement timely and effective measures to prevent and address fraud on their platform, thereby leaving my account vulnerable and inadequately protected. Additionally, their dispute resolution process has proven to be both unfair and deceptive, as they have not adhered to the error resolution requirements stipulated under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have resulted in considerable inconvenience and financial loss, for which I seek appropriate redress for these violations.
Product: Money transfer, virtual currency, or money service

I opened an account with coinbase to buy crypto coins and kept putting money in from my XXXX XXXX  and after a year in XXXX of 2021 my account was locked and i finally got a hold of coinbase on the phone and they say they locked my account someone had transfer my coins to there accounts but that is all they told me then they told me i had to prove it was me to get access to my account i did that many times and they continue to tell me to prove i proved with my license and other ids I had over {$4000.00} dollars in it in coins they stole and still to this day it is locked and they avoid me i reported to bbb they tried to contact the coinbase company but no luck so they told me to contact your office
Product: Checking or savings account

I am a victim of bank fraud through my account with XXXX XXXX XXXX XXXX. Sometime in XXXX a person named XXXX XXXX began making withdrawals from XXXX Apple Card from my business account with XXXX XXXX XXXX. He made several transactions that were more than {$9300.00}. I was not made aware of this issue until my account was XXXX which included overdraft fees. This was on XX/XX/XXXX. I do not know this person who did it. My bank claims that I authorized the person to do it because they had my routing and bank account number. I haved received any bank statements for several months from my bank. I have contact XXXX and Apple Card twice and spent hours and each time I was told they would get in contact with me but they have not. I went to my local XXXX XXXX located at XXXX XXXX XXXX XXXX, NY XXXX, after learning what transpired with my account and closed the account on approximately on XX/XX/XXXX, and the account was not officially closed until XX/XX/XXXX. I also learned after several months of working on this issue that XXXX XXXX began stealing money from my XXXX Account since XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the XXXXEquifax after I purchased a credit report with XXXX on XX/XX/XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE items on my personal profile, I noticed that there was a account XXXX XXXXXXXX on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus XX/XX/XXXX. I believe they have failed to authenticate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last complaint and hoping that this XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} 30 days late will be removed.
Product: Credit reporting or other personal consumer reports

I have ask them to remove stuff that has been paid off. and I have disputed it. They have not removed. They have been no help at all. And XXXX of my accounts is showing late and it's been paid off!
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX XXXXt account ending in XXXX was on my credit report for years and the credit bureau 's ( Equifax , XXXX , XXXX ) never validated the debts but allow them to report it to them an they put it on my report this is a violation of Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. This has hurt my ability to obtain credit. This is not the only account that is not validated but they say they are working on them but should have been verified before it was put on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following creditors are falsely reporting information to my credit report. 
XXXX XXXX account opened on XX/XX/XXXX and was then passed to XXXX XXXX services. 

XXXX XXXX is falsely reporting an account that was also opened without my consent or permission. The account Is reporting that it was opened on XX/XX/XXXX. 

Capital One bank is reporting an account that as opened without my consent or permission and is a case of identity theft fraud. The account is reporting that it was opened on XX/XX/XXXX.