23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Nationstar Mortgage LLC continues its " wilfull misconduct '' as it proceeds with the illegal foreclosure of our home ... going at length to commit a breach of privacy with our CFPB files, the XXXX time around ( see CFPB case XXXX in XXXX 2015 for first incidence of breach of privacy. ). 

On XXXX XXXX, 2015, it goes into a CFPB case file XXXX involving XXXX , uploads its files, to make it appear that XXXX had completed the resolution of XXXX XXXX complaint. XXXX - Nationstar 's alleged " current owner of debt '' on the Notice of Default ( the basis of the upcoming Trustee Sale of our home ), who, on XXXX XXXX, 2015 had requested CFPB for an extension of resolution to XXXX XXXX, 2015. An indication that XXXX did not have " ready answers or records '' to support Nationstar 's alleged " current owner of debt '' on its Notice of Default recorded on XXXX XXXX, 2015 ... .lending support to our allegations of FORECLOSURE FRAUD ... that needs to be investigated and stopped by regulatory authorities. 

Of note, this response by " XXXX '' ( but in reality, Nationstar ), was not captured in CFPB 's auto-reply system, hence, XXXX did not receive the email from CFPB - just discovered it within CFPB Portal late afternoon, XXXX XXXX. 

Thank you, CFPB, for enforcing consumer protection laws that are within your jurisdiction to STOP deceitful practices that hurt people. 

Please see attached copy of XXXX dispute of " XXXX '' response (
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX add a hard inquiry on my credit report per XX/XX/XXXXOn XXXX XXXXXX/XX/XXXX ARIVO ACCEPTANCE LLC add a hard inquiry on my credit report per XX/XX/XXXX On XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XX/XX/XXXX 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Checking or savings account

I recently tried to open a checking account at XXXX XXXX ( XX/XX/XXXX and XX/XX/XXXX ) twice and at XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) once, but both banks denied my application. During my first time at XXXX XXXX on XX/XX/XXXX, the banker returned me a printed letter explaining that they couldn't approve my application due to negative records shown in my Early Warning Service consumer report. As a result, I ordered a free copy of my consumer report from Early Warning Services on XX/XX/XXXX. Basically, this negative record was about the " Closed for Cause/Purge '' status of my previous XXXX XXXX XXXXXXXX checking account because I didn't follow their bank policies. After sending all my supporting documents ( also attached below ) to dispute with both Early Warning Services and XXXX XXXX XXXXXXXX Fraud Department and proving that what actually happened to me was a check scam, I'm pretty sure this negative record has now been removed from my consumer report. Then, I tried to open a checking account at XXXXXXXX XXXX for the second time on XX/XX/XXXX, but the banker there denied my application again without clarifying the specific reason. I further tried to open a checking account at XXXXXXXX XXXX XXXX  online on XX/XX/XXXX, but I was rejected again. This time, they sent me an email clearly explaining why my online application was not approved, which is because of a higher-risk Early Warning deposit score ( XXXX ) with major impact factors included. However, given that my previous negative record should have been removed, this explanation still doesn't make any sense to me because all my present checking accounts are on a very good track without violating any bank policy. I hope XXXX XXXX can explain in more detail why they denied my second application. I also wish Early Warning Services could explain in more detail why my deposit score is so high, how to lower my deposit score, and when I can apply for a checking account in any of the seven banks that own Early Warning Services.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX, XXXX, and Equifax Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXXX Balance {$5700.00} XXXX XXXX XXXX Balance {$280.00} Individual : Bankruptcy XXXX XXXX Reference Number XXXX Date Filed XXXX XXXX, 2012 XXXX : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX
Product: Credit reporting or other personal consumer reports

This account is more than 7 years old. Im entitled to {$1000.00} per violation for reporting incorrect information.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, An individual stole my phone number ( XXXX ) and gained access to my Chase account. I did not have any access to ( XXXX ) after XX/XX/XXXX, as it was hacked and stolen, therefore I did not authorize any transactions made after this date nor did I authorize anyone else. They had created an XXXX XXXX account without my authorization and transferred my funds from my bank account without my authorization while making withdrawals. They also transferred back and forth around $ XXXX from my savings to checking without my authorization. They had stolen overall $ XXXX through withdrawals. I had immediately went to the XXXX Branch of Chase ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), and made a fraud claim by associate XXXX XXXX.
Product: Mortgage

The preconstruction and/or construction contract details the amount and costs of the mortgage that is to be financed. Placing the responsibility on XXXX  XXXX ultimately causes concern and question regarding why Wells Fargo financed a mortgage for {$12000.00} greater than the amount of the builder 's contract with no evidence that why when this mortgage was closed with Wells Fargo, the check being issued at closing was only {$1200.00} as opposed to {$12000.00} ; citing initial discriminatory misconduct by Wells Fargo and an alleged foreclosure after the structure was paid without documents of an auctioneer name or contract, title search, etc. to seek documents from causes further concern for reporting discriminatory misconduct by Wells Fargo Bank, N. A. ( WFHM ). All correspondence from Wells Fargo Bank, N.A. ( WFHM ) shall only address the name of  the owner of the property, XXXX XXXX XXXX because legal recourse in Federal shows action was taken against all other parties.
Product: Debt collection

I have sent several letters to the company listed. Letting them know that this account is the result in unauthorized access of my personal information. As a results this account was created without my authorization. The account has also, been sold to another company without my consent or prior knowledge. I have no knowledge of this company. They dont have anything with my signature and the address and name listed on the contract is incorrect. 

Account Information Address C/O RESURGENT CAPITAL SERVICES, XXXX XXXX XXXX XXXX, SC XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Open Account Loan Type FACTORING COMPANY ACCOUNT Balance {$550.00} Date Updated XX/XX/XXXX Payment Received XXXX High Balance {$550.00} Original Creditor XXXX XXXX XXXX XXXX XXXX Past Due {$550.00} Pay Status >Collection<
Product: Bank account or service

I signed up for a Citi XXXX account in XX/XX/XXXX. I was promised a {$400.00} bonus after completing certain requirements. The requirements were fulfilled and I waited to receive the bonus. After the necessary time, the bonus was not completed. I talked to representatives from Citi on XXXX different occasions and each time they assured me the requirements were fulfilled and an investigation was opened. It has been over a month and no response from them and no bonus. I would like Citi to inform me with certainty when the bonus will be posted.
Product: Credit reporting or other personal consumer reports

I provided the FTC Report directly to Transunion they confirmed they have got it XXXX XXXX!! The department confirmed they received my FTC report!! I have a police report on file as well!! I am unfortunately the victim of identity theft these are not my inquiries!! I did not authorize them please delete immediately!!! 
Transunion : file number # XXXX XXXX XXXX XXXX XXXXXX/XX/year> These are not my inquiries!!! 
They are fraudulent!! I did not authorize this please delete immediately according to the FCRA this is fraudulent inaccurate information Thank you!! 
XXXX XXXX
Product: Credit card or prepaid card

I received a letter today stating that I owed a minimum payment due of {$78.00} I have not used the card in months. 
I made a payment {$40.00} on XX/XX/XXXX, which was the balance due. 
Citibank is stating that the payment was late and has been charging me {$37.00} per month for late fee 's with no account balance. 
When I called they told me I owed {$110.00} in late fees but would deduct one month so I owed {$78.00}. 
I did pay it because I do n't want them XXXX with my credit. 
Most importantly I was unaware of all this until I received the letter today. 
I have never received a bill or an email that my account was in arrears. 
I am irate that they are charging me for a clean account balance.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling disputes, particularly in light of the recent CFPB lawsuit highlight significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that the recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about customers safety.
Product: Checking or savings account

Chase Bank charged me 9 times {$34.00} insufficient fund fees on my checking account even though l had funds in my account to cover my checks but due to them taking my money they made it appear the funds weren't there. They withdrew funds from my account to companies l don't have an account with.
Product: Debt collection

On XX/XX/XXXX I sent a debt validation letter to Tek Collections. I received no information pertaining to this debt listed on my credit report. I have tried to email them and got no response. They have no verified I own this debt and I would it removed from my credit.
Product: Credit card

I have XXXX capital one credit cards and I had fell to a hardship due to Covid 19. I setup arrangements last XXXX with capital one bank to get my accounts back on track with making my timely on time payments. I was assured that if I stuck to there payments arrangements with ea card for XXXX of on time payments that they would make sure all of my accounts become up to date with my payment credit history showing no late payments. And I have been doing that I finished my agreements to have my accounts say back in good standing. Capital one said XXXX I completed the program it will report any payment late from credit bureau to be on time never late. I called them after the cause I seen like XXXX late payments which they promised after completing the program they would report all payments late to never late on time. The representative over the phone I talked to told me she couldnt do anything and I told her that what capital one told me as part of the agreement I set up with them. And currently I still pay on time and they keep reporting my payments late.i want them to stop reporting my on time payments late and to report all ever payments I made with them on time never late as per the agreement I have with them.
Product: Mortgage

Sometime in XX/XX/XXXX our mortgage was sold to New Penn Financial. In XX/XX/XXXX New Penn changed their name to New Rez. We received a check in the mail from them for nearly {$4000.00} which we thought was in error. When we called them they said there was no error and that this was a return balance of our escrow account from over-payment of our property taxes. We asked if we could return the balance to our escrow account for use the following year or if this was determined to be an error later on and they refused. Then they reduced our mortgage payment from {$1900.00} a month to {$1600.00} a month for reasons we did not know. Suddenly in XX/XX/XXXX, our mortgage payment was increased to {$2400.00} per month. When we called New Rez to find out why they said it was because we had a negative balance in our escrow account because they should NOT have refunded us the escrow balance from XXXXXX/XX/XXXX which was in fact an error. We are now stuck trying to repay the balance we previously had in the account over the next 12-24 months. Our mortgage is being mismanaged by New Rez and everyone I have spoken to there is not knowledgeable about how to manage mortgage or escrow accounts. The uncertainty with our mortgage and our monthly payments which now change with every statement have made financial planning very difficult. I was told my only recourse was to report them to the federal government since we have no control over who our mortgage gets sold and transferred to even if it becomes mismanaged. Just as someone selects what bank handles their money, we should be able to select who services our mortgage to avoid situations like this.
Product: Credit reporting or other personal consumer reports

Dear Equifax, I am writing to formally request the removal of certain names and addresses from my credit report. I believe that these entries are inaccurate and do not reflect my current or past personal information. 
Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c, I have the right to dispute information that is inaccurate or incomplete. As such, I am requesting that you remove any names and addresses that do not pertain to me or that are incorrect from my credit report. 
I have attached a copy of my recent credit report with the entries in question, along with copies of my identification documents to verify my identity. As well as the letter Equifax sent me to help verify who I was. 

I request that you complete this investigation and removal process within the timeframe stipulated by the FCRA, which is generally 30 days from the date you receive this letter. Please send me written confirmation once the changes have been made. 

Thank you for your prompt attention to this matter.
Product: Debt collection

XX/XX/2016 was sold to a collection company from XXXX XXXX XXXX, it was with XXXX XXXX XXXX for 3-4 years prior to that, I ditched cellular service to XXXX and XXXX   was paid in full by XXXX to move my device, and they where repaid by me the full amount about 7 years ago ... disputed credit report with XXXX   and removed after investigation, XXXX refuses to remove the negetive mark from my report.
Product: Debt collection

my information was stolen and someone opened an unlawful account using my info.
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 process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and XXXX XXXX These actions have caused significant inconvenience and XX/XX/XXXX, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Here we are yet again! The laws are not being followed. Under the FCRA, if proof of a contract, a physical signature, a recording by video or phone of a person asking for a line of credit is not available, it can not be verified or validated that SAID PERSON has a line of credit with an individual or company. Furthermore, IF IT IS NOT 100 % TRUTH it can not be reported. In addition, under the FCRA, false reporting can be compensated at {$1000.00} or more per offense. Now lets review this once again! 

Attached you will find letters dated : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. In them are out right lies.

* Cards were not applied for by me * No contract to present * No physical signature to prove it was me who asked for the line of credit or used it * No email received : No in " IN BOX '', " SPAM '', or " JUNK '' * No phone call by me : I do everything my mail/certified mail in case I need to go to court * Card not applied for, as I always do, with my full name. If only middle initial is asked for I leave it blank and enter first and middle name on " FIRST NAME '' line * Copies of statements are not proof of an account in my name for verification or validation by court of law. 

My credit and name have been trashed my XXXX, XXXX, and the people who bought their debts XXXX XXXX. I have asked for 2 years now for proof and there has been none. I have not made payments on these accounts, used these accounts and I did not request lines of credit with these people. I'm willing to stand in front of a judge and state this as matter of fact. These companies can not stand in front of a judge and MATTER OF FACT prove any of the above.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. Bankruptcy XXXX XXXX-dismissed Reference # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The company above reported a late payment for XX/XX/2020. I have requested a history of payments for my review and have yet to receive it. I have disputed this inaccuracy with XXXX, XXXX, Equifax, and XXXX with no success. 

According to FCRA laws, I have the right to ask for a fair investigation and have not received one and that is why I am submitting an formal complaint. I want the late payment from XX/XX/2020 to be removed from all three credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. XXXX  XXXX XXXX
Product: Debt collection

XX/XX/2019 Commonwealth Financial was made aware that accounts that their company held under my social security numbers were a result of identity theft and did not belong to me. Commonwealth verified this account as mine and inserted back onto my credit file however they do not belong to me. Commonwealth did not send me a letter notifying me that this account was owed and was being reported to the credit agencies. Commonwealth is continuing to report inaccurate information onto my credit file. Not only that how can Commonwealth verify anything medical with a credit agency being that I have never signed HIPPA form authorizing XXXX XXXX to have access to my patient information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Emergency room visit year XX/XX/2012. I was uninsured I paid extensive amount back. The creditor said they saw I had paid so they dug up my records and saw this one from XX/XX/2012 so they added it to my report as new split into two of {$96.00} dollars listed twice. It has reappeared on my credit as a new debt. Asking for this to be deleted off my credit report. Very very old and creditors asked if I can pay more rather than settle. No financial assistance offered at the time for medical debt
Product: Credit card

Allow me to start with the fact that the financial institutions involved refuse to communicate in a legal way through email. They record all yet that is one sided. I tire of having to screen shot all, and stopped all phone conversations as they did not do as they said. From a legal standpoint, I will not communicate with them in any way other than email. 
This complaint relates to my XXXX XXXX credit card of thirty years, and is directed at : XXXX XXXX XXXX , the original account provider. 
XXXX XXXX , the purchaser of said account. 
-Midland Credit , who currently dispute my payment. 
In XXXX of 2022 I made two separate payments of {$5000.00} to my credit card from two separate banks. Those banks were ; XXXX XXXX and XXXX XXXX. The payment from the former was credited to my account but the XXXX XXXX payment vanished, never showing on my payments. I submitted not only bank statements from the two banks from which the electronic payments were made, I also included a letter from XXXX XXXX that specifically delineates all details of the missing payment. 
For over a year I have been contesting this and hitting a brick wall. Someone stole my {$5000.00} and now my credit rating and good name and neither the finanbcial institutions nor the CFPB have been of any use. 
This debt was paid on time in 2022 and I will NEVER pay it twice! After 30 years of no problems with the same credit card, I never imagined that something like this could happen.
Product: Credit reporting 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. 

Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX  XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 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 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.