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

This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. The below is my sworn statement concerning these credit issues. 

It is my sworn statement that, 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 qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. 
The trade lines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these account without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 
In accordance with the Fair Credit Reporting act. The List of account bellow has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : 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 US.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. 1681 c. ( 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 crime which antedates the record by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person known or reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

My correct name is XXXX XXXX XXXX XXXX, not XXXX or XXXX. I never lived in Massachusetts just in XXXX XXXX and XXXXXXXX XXXX. My current correct address is XXXX XXXX XXXX, XXXX, XXXX. XXXX My current employer is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX. XXXX ( XXXX ) XXXX. My current correct Phone number is ( XXXX ) XXXX. Please make proper adjustments to all credit bureaus. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

XX/XX/year>, I have requested online from all three credit reporting agencies ( Equifax, XXXX, and XXXX ) to update my name and current address on my credit profile due to other addresses are not deliverable to me by the U.S. Post office, and they are not reportable as per the Fair Credit Reporting Act. After receiving my updated credit reports, nothing has changed. XX/XX/XXXX, I sent certified letters to each credit reporting agencies ( Equifax, XXXX, and XXXX ) along with my Driver 's License, SSN, and a current bill with my current address to indicate the correct address. Again, receiving another update, my credit reports had no changes. XX/XX/XXXX, I repeated my steps to each credit reporting agencies ( Equifax, XXXX, and XXXX ) along with a copy of my DL, SSN, and current bill that reflects my new address. Again, upon receiving my updated credit report, my old addresses are still appearing on my credit reports. XXXX, XXXX, XXXX, I spoke to a rep from each CRA Equifax, stated they could not update via phone. Despite the fact, I sent them what they requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter off on XXXX XXXX, 2022. Here is my tracking # XXXX, # XXXX, # XXXX. To remove personal information that I do not want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also, according to 15 USC 6802. No financial institution is not supposed to share my information to third party people. 

These are clear violations of my federally protected consumer rights.
Product: Credit reporting or other personal consumer reports

EXPERIAN HAS VIOLATED MY PRIVACY RIGHTS AND FCRA, 15 USC 1666B STATING : ( a ) 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. 

I NEVER RECEIVED A NOTICE FROM XXXX XXXX XXXX ACCOUNT NUMBER XXXX WITH 21 DAYS PER FEDERAL LAW, AND MY ACCOUNT WAS NEVER LATE. 

I HAVE 10 LATE PAYMENTS- ALL OF WHICH VIOLATE 15 USC 1666B I NEVER GAVE EXPERIAN PERMISSION WRITTEN OR VERBAL TO FURNISH INFORAMTION FROM XXXX XXXX XXXX I ASKED FRO A METHOD OF VERIFICATION SINCE THIS ACCOUNT HAS BEEN PREVIOUSLY DISPUTED AND EXPERIAN REFUSED TO PROVIDE ME A METHOF OF VERIFICATION OF LATE PAYMENTS
Product: Credit reporting or other personal consumer reports

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher peoples information to 3rd party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items arent removed immediately
Product: Mortgage

I have been trying to bring my account current since my Forebearance Suspension ended on XXXX. I contacted Wells Fargo numerous times to obtain a hardship letter to withdraw funds. I resumed my monthly payments while on Suspension in XX/XX/2020. They told me at one point to go to the branch to get the letter which end up being a wild goose chase. Two weeks ago I got a letter about a COVID Partial Claim. I told them numerous times I do not wish to pursue workout options and wish to pay my balance in full. Today I received a call from a title company scheduling for me to sign this partial claim. I declined yet again. I feel Wells Fargo is attempting to set me up for Foreclosure vs. sending me what I need. Every call disclaimer notes I do not need to pursue workout options if I was in a bankruptcy or recently discharged. I want to pay my balance in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone applied for an {$88000.00} small business loan through the US Small Business Administration. This is fraudulent as I have never applied for credit of this kind with any company. Someone has obtained my information and used it to apply for a loan.
Product: Money transfer, virtual currency, or money service

I am filling this complaint against Cash app ( block, inc.due to inadequate customer service and unfair practices which violate the customer financial protection act cfpa specifically cash app failed to take timely and effective measures to prevent and address fraud on the platform leaving my account vulnerable and unprotected. 
Furthermore there dispute resolution process is unfair and deceptive, as they did not comply with the error resolution requirements under the ( electronic fund transfer act ( EFTA ) and regulations E..these actions cause inconvenience and financial loss and i seek appropriate redress for there violation.
Product: Checking or savings account

Currently, I bank with U.S. Bank. Based on a review of my account, U.S. Bank is withholding deposits to force overdrafts. 

A deposit of {$170.00} from XXXX to my U.S. bank account on XX/XX/XXXX was with held. As well as a deposit of {$210.00} was also withheld on XX/XX/XXXX. The withholding by of these deposits forced my account to overdraft. 

I can add more examples of where this has occurred. I have reached out to U.S. Bank ( XX/XX/XXXX ) and they have refused to help me. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I lived in XXXX XXXX XXXX between XXXX and XXXXXXXX XXXX My one bedroom apartment rent was {$340.00} which totaled {$4000.00} per year, making the entire 30 months occupancy totaled to {$10000.00}. There was no single month that I did not pay my monthly rent of {$340.00} and my continued occupancy was a clear testament to this, because I wouldnt be allowed to stay if I fail to pay a single month since the rent was month to month. I wouldve been evicted right away. And that being the case, the amount of {$4000.00} plus that is reflected on my credit report from this company was so inaccurate that it almost amount to the entire one year of tenure in this said apartment managed by the company named above. I have never abandoned the apartment at any given time, nor did I ever fail to pay a single month. All the tenants vacated the said property at the same time, because we were all issued an official notice letter that the property is being sold to a new developer who intends to do renovation and therefore by XXXX of XXXX the entire property needs to be vacated and there are still tenants in town that can attest to this fact since there was up to 7 apartment in one house and all were ninth to month payment. And we all left at the same period ( XXXX of XXXX ). 
I was checking my credit account the other day and I have found out that there is an outstanding account from XXXX XXXX, I decided to contact XXXX XXXX to see how is it possible that I have almost one year unpaid rent on my credit report when I was paying everything until we all left in XXXX, the lady that picked up the phone kept saying Yes, you didnt pay, yes you owed it, repeatedly and before the conversation goes ugly, I decided to tell her okay I will go ahead and file complaint and dispute this, since she was not ready to listen to me, instead of answering my question where did those numbers come from, which months are they, and how was I able to live in there continuously for one year without paying a single month and never was evicted since the amount reflected on the account is equaled to almost one year of rent. And she instead went defensive and aggressive on the phone, they should have the phone record of our conversation, and she was never able to provide me reasons why I have such inaccurate account. I told her then if you do not have answer to my question then I thank you for your time I will just go ahead and dispute this account because it is in accurate as far as I know.
Product: Checking or savings account

I have an account with Blockfi. I have money stored in a digital wallet. Per their terms and conditions, I am able to deposit and withdraw my money at any time. However, due to the recent events at XXXX, they are no longer letting account holders withdraw their money. I have tried to email, chat, and call Blockfi with no response. All that they say is that they've paused activity on their platform and clients are no longer able to withdraw money. What worries me is that an article from the XXXX XXXX XXXX came out today that they're filing for bankrupcy : https : XXXX. I just want to withdraw the money from my account. Please help!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Afternoon ; This is the 2nd complaint I've sent for my prior mortgage with Nationstar/ Mr. Cooper because of the complete inaccuracy. My home loan payoff with Mr. Cooper ( attached ) payoff date through XX/XX/2023 ; The home loan Closed & Funded XX/XX/2023, wire waas sent to Mr. Cooper ; I called & they acknowledged all was good and payoff had been received. 

Several days later ( after payoff had been received the prior week ) the title company we closed with received a call that there was an approximaely {$1000.00} balance, for an escrow disbursement Nationstart/ Mr. Cooper made, which I paid the same business day. 

Please see attached payoff statement from Mr. Cooper/ Nationstar, Closing Disclosure, confirming home loan closed & funded XX/XX/2023. 

Nationstar/ Mr. Cooper making a disbursement several days after the home loan closed & funded does not make me 30 days late, on a home loan which closed and funded XX/XX/2023, using a Nationstar/ Mr. Cooper payoff quote, dated through XX/XX/2023. 

Finally, as of today, XX/XX/2023 my Credit Report still shows an updaid balance of {$470000.00} & a 30 day delinquincy, almost 45 days after receiving payoff. Completely unacceptable.
Product: Checking or savings account

I sent a message through the Webster Bank XXXX asking what I needed to do to close an account. They said just to transfer the money until it is XXXX and then send a message like I had to close it. I sent a message on XX/XX/XXXX to close the account as the balance was XXXX and the bank didnt do it. There was a recurring charge from an account that XXXX cant close and the bank paid it on XX/XX/XXXX and charged me an overdraft fee. I called them because this shouldnt have happened and they said to pay it and then call back. I requested a transfer from their own website that same day that I called which was XX/XX/XXXX to cover the charges. Then there was ANOTHER overdraft fee on XX/XX/XXXX. Again I called them because this account shouldve been closed and the money was already transferred. They told me they didnt see it and therefore, cant close my account. I again sent another transfer for {$35.00} to cover that second overdraft fee and today I called, asked the representative if she saw that my account was at XXXX and she said yes. So I asked her to close my account and she said I had to go to the center. I told her I live in Virginia and there is no banking center near here, only in New York and previous reps told me I could message or call. Then she said that my balance wasnt XXXX and that I still owed the {$35.00}. I asked to speak to the XXXX by the name of XXXX, who I had already spoken to on the XXXX and she refused. I cant close this account and they keep telling me different things and keep charging me for things when this account shouldve been closed already.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in XXXX and XXXX in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

1. GOLDMAN SACHS BANK USA XXXX Balance {$3900.00}
Product: Mortgage

JP Morgan Chase Bank sent us a letter stating they had refused us small loan ( {$20000.00} ) with high interests requesting a collateral on my residence valued at {$750000.00} instead of an investment property worth {$500000.00} located also in California, instead of issuing the letter of withdrawal we requested as we ( not Chase ) chose not to proceed with their offer. 
By doing so, they attempted to damage my credit score of XXXX in retaliation for refusing their terms.
Product: Credit card or prepaid card

From XX/XX/2019 made payment by mail internet is not working it was mail I get call by the bank I told them I sent payment XXXX the person on the phone use nice words told me I had to come up with XXXX for what fees lates charges and pay XXXX this is not 30 day past do calls and time XXXX am XXXX XXXX payments will sent out by XXXX 2019 my complant I doing business with this bank for 14 years thratening phones will not work with me on fees and put on credit file if I did pay for 3 mouths 3
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 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 relating to any transaction by the consumer. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX  XXXX XXXX Balance : {$1100.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX INT ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX {$2900.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  - XXXX  ) XXXX Balance : {$900.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX.
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 XXXX XXXX XXXX. XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX  : # XXXX, XXXX XXXX XXXX  : # XXX, # 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 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. 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. 

Further more XXXX XXXX issued a public statement about child support, liens and fines will no longer be reported on credit report yet it is still be reported.
Product: Mortgage

We have applied for refinance our variable home loan to XXXX XXXX. We started the process XX/XX/XXXX. Shortly after we hit a roadblock to get the subordination letter. No one from was returning calls or e-mails. Our Loan Consultant with XXXX Homes send an e-mail to XXXX XXXX, who is the Team Lead XXXX from XXXX XXXX Unit Dovenmuehle Mortgage, Inc. XXXX XXXX XXXX the e-mail to Subordination Proxy with the following request ; Hello, Loan : XXXX Can someone please contact the 3rd party back in regards to the subordination? They are almost running out of time for the rate they are locked in. Please advice. 
Thank you, XXXX XXXX Team Lead I Needless to say, no one bothered to respond to the emails. 
Our Loan Consultant asked me to keep trying to get a hold of someone from Dovenmuehle. I called customer service several times, but they did not even know who to forward my call finally I was given a phone number and email for XXXX XXXX. I was told he can help me. Well, his voicemail was full and the message was outdated. 
Based on the information from the customer service of Dovenmuehle, subordination letter process can take up to 90 days. On XXXX XXXX, XXXX we have received a letter for asking additional 15 days. On XX/XX/XXXX we received this : From : " XXXX XXXX  ( Research ) '' XXXX Date : XX/XX/XXXX at XXXX XXXX XXXX  To : XXXX Subject : XXXX Subordinator Status Dear XXXX XXXX and XXXX XXXX, This is in response to your message regarding your subordination status. We apologize for the delay in our response. Due to the volume of correspondence received by our office, please note that we answer inquiries in the order in which they are received. If you require immediate assistance, please contact our Customer Service Department at the number provided below. 
Please note that because your message was received from an email address we do not have on file, we are sending it to the email address associated with your loan. If you would like to update your contact information, please call our Customer Service Department. 
Our Research Department is unable to provide information about the status of your loan at this time. Please continue to reach out to Subordinations at XXXX. We apologize for any inconvenience this may cause. 
If you have any further questions or concerns regarding your loan, please feel free to contact our Customer Service Department at XXXX, or you can reply to this message directly. 
Sincerely, Research Department. 

When we first started in XXXX, we were locked in 3.25, than 3.125 and we ended with 3.55 on XX/XX/XXXX almost 10 months later. We have missed better loans, lost fees for the process and miss the opportunity to pay something else from the mortgage savings. I also have to add that during such horrible year with the furloughs and extremely uncertain financial future, the frustration and the stress Dovenmuehle caused, I had to be prescribed to take XXXX 

I dont know what to expect from this, but the treatment we have gotten from this company was not acceptable and someone has to do something. Just check the XXXX reviews for Dovenmuehle and you will understand it is long overdue.
Product: Debt collection

I am getting 4 calls a day, including Sundays and early mornings, from an automated recording telling me I have debt to pay, then it says a number I need to call to clear the debt. I am behind XXXX payment of {$25.00}!!! I have closed this card due to previous unacceptable behaviors from this company. It is an Old Navy card.