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

Experian has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvesting of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer provided evidence to furnished, accepting unreliable responses, and failing to adequately notify consumers of dispute outcome. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts as Experians inaction violates federal law and my rights as a consumer
Product: Debt collection

ARS ACCOUNT RESOLUTION, has attemtped to collect a eronous debt from XXXX XXXX XXXX XXXX for {$350.00} since XX/XX/XXXX. This amount in question was paid directly to the Doctor 's office in question in late XX/XX/XXXX prior to ARS ever taking the account. I have tried mulitple times to dispute the amount in question directly with the ARS as well as disputed the charges via XXXX  and XXXX XXXX. ARS continues to show this debt/collection on my credit report negatively. They are showing and attempting to collect in error and refuse to remove this from my account. I have also advised ARS of a Cease and Desist back in XX/XX/XXXX.
Product: Mortgage

We have a very serious problem. We were just told that the above file was closed out rather than an extension being issued as requested on XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX from my firm was told on the phone, on a recorded line that we were okay to close on the XX/XX/XXXX - a day after the approval letter expired. Friday the XX/XX/XXXX was a holiday and therefore did not count for the XXXX disclosure guidelines so we needed to close on the XX/XX/XXXX. 

We closed on the XX/XX/XXXX and the wire was then sent out and the attached documents were sent in to Ocwen. The deed was recorded, the buyer 's loan finalized - no rescission period in Maryland - so the loan has already been sold off to a new owner and then Ocwen returned the wire and asked that we change the XXXX to XX/XX/2016. This is a TRID violation so the title company would not back-date the XXXX after closing on the XX/XX/XXXX. 

I am filing this as a CFPB complaint. We are going to tell the title company to send back the wire as it should have been accepted the first time. Ocwen can not give us approval to close the day after on the XX/XX/XXXX and then a week later tell us that we could not close on the XX/XX/XXXX. This will be a title insurance issue and the buyers and the sellers will sue. 

This needs to be rectified XXXX. We can not re-submit the short sale package - Ocwen needs to do what they said they would do and honor the closing from the XX/XX/XXXX. I am sure that the recorded conversation from XX/XX/2016 can be subpoenaed if necessary.
Product: Mortgage

I requested a covid 19 forbearance over phone on XX/XX/XXXX. On XX/XX/XXXX I called after recieving my approval I paid that month and called to update my situation as requested by my loan servicer, stating that I didn't need my forbearance for the month of XXXX. 

Early XXXX I received a letter stating that my forbearance was closed due to resuming payments and/or at my request. XX/XX/XXXX I called to dispute this information and was told that I didn't have a forbearance but the denial was a mistake on their part, that they would reinstate and backdate my forbearance. They read me an extensive forbearance agreement to which I agreed. 

XX/XX/XXXX I called again to update my financial situation, at this point, again, they denied having any record of a forbearance and hung up on me. I called again and they acted like everything I was saying was new information and I quote " you don't have an account with loss mitigation so I don't know why you're calling '' After doing some probing they admitted to having notes from my previous conversations. They read me the same covid forbearance agreement which I approved, again. They backdated the forbearance to XXXX to makeup for their mistake. 

In XXXX I received a late notice with fees added and a foreclosure warning via mail. I panicked, rightfully and called on XX/XX/XXXX. The same exact thing happened. No recorded of ever having a forbearance or being in loss mitigation. At this point they said I was 100 % responsible for missed payments and fees in XXXX and XXXX. Damage was done, my credit took a huge hit and I suddenly became even more behind. 
Worried about foreclosure I called again, same day and spoke with a very apologetic representative that said every code entered had been incorrect so the information was being fast tracked to the correct parties and her supervisor.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$25000.00} ; XXXXXXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX Medical XXXX Balance : {$35.00} ; Medical XXXX Balance : {$33.00} ; Medical XXXX Balance : {$35.00} ; XXXX XXXX XXXX ; XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Money transfers

XXXX XXXX sent me money via PayPal. We both have accounts. She sent it using my cell phone which is listed on my PayPal account. I got a text message from PayPal saying click here to redeem your money. When I click I am prompted to log in. But when I log in, the money is nowhere to be seen. I have tried several times over several days to no avail. I have contacted PayPal twice via email and they do not respond, forcing me to file this complaint as my only remedy.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX XXXX XXXX, has violated my rights. 

n accordance with the Fair Credit Reporting act XXXX  # XXXX, has violated my rights. 

n accordance with the Fair Credit Reporting act XXXX XXXX  XXXX # XXXX, has violated my rights. 

n accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX, has violated my rights. 


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: Student loan

I received a call from XXXX, NV at XXXX on XX/XX/19 regarding my student loans. I had recently been in my account trying to set up a new payment plan, so I didnt think it would be a scam. They left a message with a reference number and I called back and spoke to a woman XXXX who was telling me about a predator loan and I could qualify for less of a payment. She asked me to verify my social security number and reset my password on the FSA website. She had said they were the FSA. I was telling my mom about it while I was on the phone with XXXX and my mom said it sounded like a scam. I looked up the number in XXXX and found that it was. Now Im stuck.
Product: Credit reporting or other personal consumer reports

Hello and good day, Im reaching out with deep concern about the inaccurate information showing on my credit report. This situation has become increasingly troubling, as its directly affecting my financial stability and limiting my ability to move forward with important financial goals. Due to these errors, Ive faced multiple credit application rejections, which has been not only frustrating but also incredibly stressful. These inaccuracies are unfairly holding me back and impacting my life in ways that shouldnt happen to anyone who strives to maintain financial responsibility.
Product: Checking or savings account

I have power of attorney for my XXXX who has XXXX and I have spent countless hours over the last 4 months trying to get US Back to acknowledge my Power of Attorney so I can manage my XXXX XXXX  finances. I first brought the POA documentation in to a branch in XXXX ( I live in a state without a US Bank branch ), I later mailed a copy of the documents and emailed copies to a branch employee who uploaded the documents. Despite having the documents, US Bank has strung me along for 4 months without adding me to my XXXX XXXX account. He has a very large balance that is stuck there with them earning interest on his money while I am unable to invest for him or even pay his bills. They have occasionally asked me to sign additional documents and mail them back to them ( always by snail mail ), but when I call to check on the status they transfer me back and forth with no one able to answer any of my questions are explain what the status is. One branch employee has been helpful and finally provided online access to one account, but then they disabled that and when I called them they transferred me to three different people and then just told me to call the customer care line, where I started out, and then hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

honda financial removed my current lease account XXXX honda XXXX XXXX that is current and in good standing a week before my mortgage closing now i cant close on house till this comes back on i need this overnighted back on my credit report all 3 credit bureau honda told me it would take 45 days when im closing in 7 this is banks mistake not mine please put back on all 3 credit bureau asap now
Product: Credit card or prepaid card

XXXX XXXX - Citi Bank has not applied the payment sent on XXXX. The check has cleared the bank but the account has not been credited for the payment.
Product: Checking or savings account

My paycheck was deposited on the XXXX of XXXX, CHIME BANK bost about not holding or leaving deposits in a pending state however nobody can explain where my deposit is as i informed CHIME BANK that due to what they claim " not holding deposits and so forth '' puts them directly in the cross hairs of FALSE ADVERTISEMENTS and possibly NEGLIGENCE AND MISAPPROPRIATION OF FUNDS AS WELL. And i was never helped rather told ro just wait which ia where the problem is, you cant tell me you don't hold deposits then tell me i have to wait on my deposit if its already been issued that's a bold face lie, so the issue is that CHIME BANK makes the information murky so they can swindle money or make adjustments as opposed to simply honoring their word
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had a few inaccuracies on an account. Consumer Reporting Agencies have assumed a vital role and have a responsibility by law, to report Consumer information to the best of their ability with Maximum Accuracy. I have inaccuracies reporting on the following accounts : Account Name : XXXX XXXX Account Number : XXXX Please investigate and provide valid Proof with statements showing that these payments were late. If Valid and substantial proof can't be provided I demand these inaccuracies be removed from my reports. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Social : XXXX DOB : XXXX To whom it may concern, Please remove the fraud alert that you have on my credit file, this fraud alert should not be a part of my credit file. Please send me an updated copy of my credit file to the address listed above, thank you in advance. 

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

During the Equifax Security breach on XXXX XXXX, 2017, I was one of millions of Americans who had their information leaked to a hacker ( s ), including my social security number, credit card number, address, DoB, etc. This is extremely nerve-wracking, as I 've seen identity theft ruin both friends, and family members lives. 

While nothing has been taking from me yet XXXX and hoping that this does n't change XXXX, I ca n't help but live right now with the constant thought that somebody out there can make an attempt to get a loan, credit card, etc. under my name, causing my future financial status to be at stake. 

While the company has n't done anything yet, investigations are being done to help those with issues.
Product: Credit reporting or other personal consumer reports

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 

1. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE 13 INQUIRIES HAVE BEEN A ISSUE TO LONG AS OF TODAY, TransUnion HAS DONE A TERRIBLE JOB IN PROTECTING MY CREDIT REPORT PLEASE HELP REMOVE THESE TODAY
Product: Mortgage

PNC has two mortgages filed with XXXX XXXX, which both mortgages have XXXX balances. We were scheduled to close on this property, as sellers, XXXX XXXX, XXXX, however, have been unable to close due to PNC not providing payoff documents to the title company for these two mortgages. The title company has requested payoff balances to prepare their documents, and I have spoken with the following PNC individuals regarding these mortgages ; XXXX/XXXX/XXXX - Left message for XXXX XXXX, XXXX XXXX/XXXX/XXXX - Left message for XXXX XXXX, XXXX XXXX/XXXX/XXXX - Met with Branch Mgr - XXXX XXXX, XXXX XXXX/XXXX/XXXX - Followed up with XXXX XXXX, XXXX XXXX/XXXX/XXXX - Spoke with XXXX XXXX, XXXX XXXX/XXXX/XXXX - Spoke with XXXX XXXX, XXXX XXXX/XXXX/XXXX - Spoke with XXXX XXXX, XXXX XXXX/XXXX/XXXX - Spoke with XXXX XXXX, XXXX XXXX/XXXX/XXXX - Spoke with XXXX XXXX, XXXX XXXX/XXXX/XXXX - Received email from XXXX XXXX, XXXXXXXXXXXX XXXX/XXXX/XXXX - Met with Branch Mgr - XXXX XXXX, XXXX XXXX/XXXX/XXXX - Stopped in at branch in a.m. for follow up with XXXX XXXX. He was unavailable.
Product: Money transfer, virtual currency, or money service

My Coinbase account was blocked for no reason, I need to recover my dollars. 
My account had XXXX Dollars, in terms of amounts in various crypto currencies. Among which are XXXX, XXXX, XXXX, and XXXX XXXX
Product: Vehicle loan or lease

Ally bank financed a 2022 XXXX XXXX I am paying XXXX a month for XXXX years I just think they are getting over on me.
Product: Credit reporting or other personal consumer reports

Base on a recently obtained copy of my credit report I do not recognize nor requested credit from these entities. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

XXXX XXXX, CA - XXXX XXXX/XXXX/2016 Wells Fargo Bank, Customer Correspondence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, NC XXXX Dear Wells Fargo Bank, RE : Bank Associate Given my Accounts details and New ATM card to another Customer Account # XXXX Today XXXX/XXXX/2016 around XXXX I got a Wells Fargo phone alert Debit card ending # XXXX try to ATM Cash withdrawn at XXXX XXXX ATM and due to incorrect PIN transaction has been denied .I got so many alert ( screenshot attached ) and after that I called your call center and stop that above ATM card. 
Even I did n't order any extra ATM card at all past few years. 
After few mutinies later I got four emails from your bank and says I have been changed mailing address / Phone number / Customize Summery Details and Cancelled Wells Fargo Surepay Mobile ( screenshot attached ) .As soon as I log in to my online banking, I seen they have {$200.00} XXXX ATM Cash withdrawn and another {$82.00} ATM Cash withdrawn. I am so shocked and I live in XXXX XXXX and how possible ATM withdrawn while I am in XXXX XXXX. I Called again your call center and informed that my account some fraud activity. 
Agent says Wells Fargo XXXX XXXX Branch issued new ATM card today. How is possible? Without any verification how your banking associate did issued ATM card and that 's the reason another person withdrawn money from my account. And Banking associate update new mailing address and personal contact information to. ( screenshot attached ). 
Good thing is I called your call center and cancelled ATM Card last for number ending # XXXX. 
I am still disappointed and this is serious issues. I should ask legal help this serious matter I need my new ATM Card as soon as possible and Delete my profile XXXX XXXX mailing address. 
Your Bank looking in to my complain serious issues and take an action as soon possible. 

It 's wo n't be happened for future customers .and You should reverse that Amount {$200.00} and {$82.00} as soon as possible. 

If you need any more details contact me ( XXXX ) XXXX Thanks XXXX XXXX XXXX XXXX
Product: Debt collection

Insert Table Chart a Untitled - Edited Text Shape Media Comment I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC
Product: Debt collection

XXXX XXXX XXXX XXXXXXXX is a phone number from Synchrony Bank that has been calling me relentlessly over debt collections. Over the last 7 days XXXX XXXX  ) they have called me at least 9 times and left several voicemails. 

They called me twice on Thursday, twice on Friday, twice on Sunday, twice on Monday, twice yesterday, and twice today. The earliest of these calls occurred at XXXX and as late as XXXX standard time.
Product: Mortgage

I really wish someone would review Fifth Third yelp reviews. There is something seriously wrong with this bank and it should be investigated! They have a 1 star review in yelp definitely the lowest I have every seen!

I have had repeated problems with Fifth Third Bank. They purchased my mortgage after I refinanced and have made the whole process incredibly difficult. The first demonstration of this was they sent me information to log in to their website to setup automatic payments but when I followed the instructions the site told me I was not in their system and could not set up an account. This caused me multiple problems because I had to setup auto payments through my bank on a static amount. Subsequently they adjusted my impound account two times. The first was without notice or at least I never received the notice or analysis. They then reported to the credit bureau that I had missed a payment when in fact they received the payment but it was minus the new adjustment. I tried to contact them and ran into multiple issues of getting disconnected. I tried to fight this but later gave up. This then happened a second time but they sent the analysis and a bill for the shortage in the impound account which I paid in full. Then started harassing me saying I was late on my payment and short by {$6.00} on a {$3000.00} mortgage. I tried to call multiple times and their system says it is transferring you but then hangs up. Then I tried online through their chat. After a week I got one of their managers to call me. She kept insisting this was my fault. I tried to explain the background context but this is absolutely the worst bank I have ever dealt with! Please look into them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regarding compliant #  XXXX .  XXXX   XXXX  is being reported as a medical debt owed. However, no such debt is owed due to my insurance paid the original creditor. Also, I was not given notice that I owed a medical debt. I seen this on my credit report for the first time. Equifax removed  two  debts from this company and left the other two. I dont know why all was not removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts reporting on my Transunion credit report.
Product: Checking or savings account

To whom it XXXX concern ; I filed for unemployment benefits in XXXX/XXXX/2020. My identity was stolen and so Bank of America had two accounts under my social security number. So when I realized in XXXX of 2020 I filed a fraud claim. I still have not received any response or reimbursement. I also can not received any of my recent claims because I froze my social security number with the FTC. Therefore I can not verify my identity. Please help me in this matter ASAP.
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. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

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 or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.