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

I am submitting a complaint against XXXX, XXXX, and Equifax due to their failure to correct inaccuracies on my credit report despite multiple dispute attempts. The information remains incorrect and continues to harm my credit profile. 

The credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) in the following ways : FCRA Section 1681c ( Exclusion of Information After Specific Periods ) The reporting of outdated information on my credit report violates the FCRA, as the account in question should have been excluded after the legally required period.

FCRA Section 1681i ( a ) ( 1 ) ( A ) ( Reinvestigation of Disputed Information ) The credit bureaus failed to conduct a reasonable re-investigation of the disputed information and did not provide adequate evidence to support the validity of the reported items.

FCRA Section 1681e ( b ) ( Accuracy of Information ) The credit bureaus have failed to ensure the accuracy of the information on my credit report, resulting in the continued reporting of inaccurate data despite my efforts to dispute it. 

I am requesting that the CFPB investigate the matter and take appropriate action to ensure that the credit bureaus comply with the FCRA by correcting the inaccuracies and addressing the violations outlined above.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX paid in settlement in full. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX through bankruptcy but the same account 15 US Code 1681e ( b ) maximum accuracy
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2022, I CONTACTED XXXX XXXX. CREDIT REPORTING TO DISPUTE THE CREDITORS LISTED ON THE FTC ID THEFT REPORT THAT IS ATTACHED TO THIS COMPLAINT. 
WHICH IS THE RESULT OF THE LISTING OF FRAUDULENT ACCOUNTS ON MY XXXX XXXX XXXX CREDIT REPORTS. 
FOR SOME REASON XXXX XXXX AND XXXX XXXX HAVE NOT REMOVED OR BLOCKED THESE FRAUDULENT ACCOUNTS. 
I AM A PERSON WITH A XXXX I CAN NOT NOT FILE THE NESSARRY LEGAL COURT DOCUMENTS RIGHT NOW, SO I NEED THE HELP OF THE CFPB DEPARTMENT. 
TO ENFORCE THE FCRA RULE OF LAW.
Product: Checking or savings account

On XX/XX/2023, my account with Goldman Sachs Marcus Bank, which held over {$300000.00} in savings and Certificate of Deposit ( CD ) accounts, was unexpectedly frozen. The bank cited an inability to verify my phone number, which I had recently updated in my online banking account, as the reason for the freeze. They informed me that the only way to unlock my account was to complete an affidavit form, which they promised to send to my address for notarization and return. 

Despite my repeated attempts to expedite the process due to the urgent need to transfer my funds to my XXXX XXXX  investment accounts, I have yet to receive the affidavit form. This situation has caused significant disruption to my financial planning and goals, and I am concerned about the bank 's handling of my account and funds. 

I had numerous attempts to contact them via their phone number provided in their email, the number always make me go through tedious call transfer processes for 30min-1 hour, and then transfer my call to their fraud department. The fraud department also repeat to claim that they sent the form and ask me to wait. There is no resolution and deadline. 

As of today, XX/XX/2023 I have not received an affidavit form that Goldman Sachs Marcus Bank claimed they sent on XX/XX/2023. 
I requested the proof of sending the affidavit, they refused. 
I requested any other method of proving my identify online or in person, they refused. 
It allows them to technically lock my account and freeze my saving and CD indefinitely by simply not sending an affidavit form or not admitting an receipt of affidavit form, or any other technicality on affidavit form, which I can not verify.
Product: Mortgage

We previously opened complaint # XXXX. 

The only message received was that SP Servicing would respond soon. 

CFPB seeing that there was a response, closed the complaint. 

It should not have been closed so we are re-opening it. 

SPS has resolved some of the issues. One issue that has not been addressed is that SP Servicing forced us to pay for additional {$4800.00} above and beyond the payoff statement for " Insurance '' purchased XX/XX/23 the day after the property was sold and mortgage paid off to SP Servicing. SP Servicing threatened to move forward with an illegal foreclosure if we did not pay.
Product: Credit reporting

I am writing to dispute erroneous information on my profile by Experian. Experian is refusing to delete erroneous information which has proven to be false per the Credit reporting Act. The Creditor XXXX XXXX XXXX. This account was never late. On XXXX/XXXX/2015, I sent a cashier 's check to the lien holder. In the memo line showed this was 12 months of car payments. The lien holder is now noting my account as being late. Which it has never been late. I have attempted for XXXX to delete this account as it has never been late, but yet they refuse. The Creditor failed to apply the funds as directed and inadvertently reported a late payment due to the negligence of the creditor. All parties are aware of this fact. i submitted proof/documentation of said events to Experian. The credit bureau has refused to do a proper investigation and allowed erroneous information to be reported to its agency. This has cause personal hardships.
Product: Credit reporting or other personal consumer reports

I have sent off letters to Equifax, XXXX and XXXX requesting that incorrect personal info be removed from my credit report such as nonmailable addresses, incorrect aliases and Un reachable phone numbers off my credit report.
Product: Checking or savings account

on XX/XX/XXXX my online bank with Chase was locked with unknown reason over the phone received information thats Chase decided to stop all relationship with me with unknown reason and my funds should be mailed to my home address within XXXX business days on XX/XX/XXXX by visiting local chase bank I received from branch XXXX XXXX XXXX thats my XXXX  from my bank account been transferred to chase Legal department and added on hold for the next 10 days, at the same day we opened claim with chase escalation department claim # XXXX and they promised to mail chack back to me with my funds on XX/XX/XXXX after this date Every XXXX days I am calling chase to find out more details how I can get my funds because I need to pay my bills, if them need to provide any info I can provide all documents and each phone call they telling - call back in 2-3 days - wait two more weeks - or simply " unknown reason unknown case we cant help you " on XX/XX/XXXX - received by mail letter from chase with information XXXX debit XXXX  check charge on full amount {$95000.00} last call today XX/XX/XXXX - first rep told me its will take years and years to get your money back second rep who been transferred call back in XXXX days attaching - letter from chase * debit DDA check charge on full amount {$95000.00} XXXX printed last statement with account number and full balance {$95000.00} - bank amount statement printed by chase {$95000.00} - business card with written case number by XXXX XXXX bank branch manager
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report and found many violations that you are illegally reporting inaccurately about me. The following alleged accounts listed as collections with PAST DUE balances. Please review the following : Account Name - XXXX XXXX Account # XXXX Showing past due balance of {$7400.00} as of XX/XX/2023 Account Name XXXX XXXXXXXX Account # XXXX Showing past due balance of {$1900.00} as of XX/XX/2023 Account Name XXXX XXXX  Account # XXXX Showing past due balance of {$1100.00} as of XX/XX/2023 Account Name XXXX XXXX  Account XXXX XXXX Showing past due balance of {$27000.00} as of XX/XX/2023 These accounts that are reported is a violation of the FCRA and is also in violation of requisite Metro 2 Compliance reporting standards.

In accordance with the Fair Credit Reporting Act. 15 U.S.C. 1681 Section 602 A. States I have 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: Debt collection

ACCOUNT NUMBER : XXXXXXXX XXXX XXXX XXXX i wrote to XXXX XXXX XXXX on XX/XX/XXXX to request a debt validation for debts being reported on my credit report. It has been over 60 days since i wrote to them and they have willfully decided not to respond which is a direct violation of my FCRA rights. their failure to respond therefore is an absolute waiver of any and all claims against me and therefore this debt should be deleted with immediate effect and the records of the deletion furnished to all consumer reporting agencies which it has previously furnished this information to. Please be advised that this is my 3rd written request to you and that i fully intend to pursue litigation AGAINST XXXX XXXX XXXX in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that i may be entitled to under section 616 and section 617 regarding your negligent and willful noncompliance. BELOW ARE EXAMPLES OF CASE LAW WHICH HAS BEEN DECIDED BY COURTS IN THE UNITED STATES WHICH GOVERN THE DISPUTEWHICH WE ARE FACED WITH. READ AND ADVISE YOURSELF ACCORDINGLY ON WHAT YOUR RIGHTS ARE AND WHAT CONSTITUTES REASONABLE PROCEDURES TO VALIDATE A DEBT. United States Court of Appeals, Ninth Circuit. Linda L. CLARK ; Jerry V. Clark, Plaintiffs-Appellants, v. CAPITAL CREDIT & COLLECTION SERVICES , INC., an Oregon corporation ; Janine Brumley ; Jeffrey I. Hasson, Defendants-Appellees. Linda L. Clark ; Jerry V. Clark, Plaintiffs-Appellees, v. Capital Credit & Collection Services , Inc., an Oregon corporation ; Janine Brumley, Defendants-Appellants, Jeffrey I. Hasson, Defendant. Linda L. Clark ; Jerry V. Clark, Plaintiffs-Appellees, v. Capital Credit & Collection Services , Inc., an Oregon corporation ; Janine Brumley, Defendants, Jeffrey I. Hasson, Defendant-Appellant. Nos.04-35563, 04-35795. Decided : August 24, 2006 745 N.E.2d 862 ( 2001 ) Greg A. SPEARS , Appellant-Plaintiff, v. Timothy L. BRENNAN , Appellee-Defendant. Court of Appeals of Indiana. XX/XX/XXXX. Attorney ( s ) appearing for the Case XXXX XXXX XXXX, Consumer Protection Law Offices, XXXX, IN, Attorney for Appellant. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, IN, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX day late on XX/XX/year> for XXXX XXXX Credit Card. The card has always been on auto pay. 

Formal Dispute of Inaccurate Credit Reporting under FCRA and Consumer Law, I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, 15 U.S.C 1666b
Product: Mortgage

I am a victim of the Wells Fargo modification review. On XXXX/XXXX/15 I was told by Wells Fargo the modification was received and they needed updated pay stubs. I sent that and the tax returns on XXXX/XXXX/15. On XX/XX/XXXX I was told the file was declined and a sale date was placed on XXXX/XXXX/15. Now WF is saying they have never received a modification for review? How do you decline something you never received? ( House of lies ) I realizes I DO NOT QUAILY FOR HAMP. I have stated this 10 times to WF. I wanted to be reviewed for an INVESTOR MODIFICATION. WF never sent the modification paper work to the investor for review. Instead they have lied about the entire review process. I have just battled XXXX, and now have to file for bankruptcy. This could if been avoided if WF was honest and at least sent the file to the investor for review.
Product: Debt collection

Unifin , Inc. is in violation of XX/XX/XXXX FDCPA, Privacy Act as well as other Federal and State violations. I demanded for them to cease and desist their misleading communications using false allegations without verification 15 U.S.C. 1692c ( c ). I request valid verification by sword affidavit or signed declaration. This company is trying to extort money from me as well as traffic my information. I have no business with them nor have I authorized any such actions against me. This is abusive business practices using my private information causing more exposure of my principal identity. This is a breach of my privacy and theft of identity. This company should be fined and I will do what ever it takes to open all necessary investigations with the regulatory agencies as well as claim against their bond.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have errors and inaccurate information on my Equifax Consumer Credit Report. I have disputed these accounts as being inaccurate, and Equifax had responded by stating they were able to verify these accounts. I requested information about these accounts specifically I requested physical proof to verify account information. Never received requested information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In retaliation againt me for filing a complaint with the CFPB, XXXX XXXX XXXX has refused to report my account status to the credit bureaus for more than 60 days. My account is current, it always has been current. Supporting documents are attached.
Product: Mortgage

I responded to the most recent denial letter I received. The denial letter states that I was denied due to a negative NPV test. Since they could not bring my payments down, i was denied for a loan modification. Well, in reviewing the inputs, I have realized that the calculations are inaccurate. I would understand why this would lead to a denial. The current interest rate is incorrect. I am currently at a 4 % interest rate and the rate that you have is 6.5 % which will not be occurring until next year. This would make sense why they couldnt bring my payment down. They are not using the correct interest rate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Within the report I saw that there were late installments noted in the record history.Since I am somehow very defective in the matter as to the How, WHEN, and WHY these late segments are notations within my credit report which is otherwise remarkable in creditworthiness! Puzzled, I am enacting my rights to COMPEL you, as REQUIRED, to MANDATE the alleged data providers of these following notated UNPROVEN derogatory suggestions of late payments to surrender to you and you to me an evaluated proclamation of my record throughout the previous 2 years demonstrating when the due date of the record was and when the installment was handled. Furthermore, please require the accusing data provider to present their most upgraded Terms of Service Agreement that that outlines payment reconciliation. As I am POSITIVE you are aware, as a injured consumer, UNJUSTLY MIND YOU, I am lawfully within my consumer and civil rights to ask for any and all of the above and below DEMANDS under the terms of the Fair Credit Billinge Fair Credit Billing Act of 1975 ( FCBA. I have tried to fix this problem but transunion ignored my request for proof Pursuant to 15 USC section 611 ( i ) ( 7 ) and section ( 6 ) ( 1 ) ( iii ). I want valid proof attached to this complaint that these account belong to me and proof i was late on these accounts under Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

World Finance XXXX XXXX 
I have disputed this account because it was opened fraudulently. XXXX is leaving this up to furnisher who is World Finance to decide. I have sent in police reports. And identity theft affidavit. Along with identification. They will not honor this action. 
World finance is saying that original amount was XXXX $ I was unaware of exact amount. The perpetrators obviously got the loan and made a few payments so I wouldnt see it on my credit reports. My identification was stolen. This account is fraudulent. World Finance has asked for a copy of my ID. This has been submitted to XXXX to submit to them several Times
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern i am unable to apply for bank accounts are any typeof financial service to to my credit score being lower dude to accounts unknown are not to my use i feel like its unfairly accounted and i did not do anything on my report i need help
Product: Mortgage

I was in forbearance for 12 months due to medical reasons ; I underwent a mastectomy for XXXX XXXX and treatment. My forbearance started on XX/XX/XXXX and ended on XX/XX/XXXX. Since then, I have been in contact with WELLS FARGO to apply for a repayment program for the balance of {$8000.00}. However, I have been facing a lot of back-and-forth communication, and they have denied my requests about 3 times. 

I informed them that my income has changed, and I am now able to make payments. I have already made my first payment for the month of XXXX. While I can not pay the entire {$8000.00} at once, I am asking for a structured repayment plan, but they continue to deny my application for assistance. 

This situation has been ongoing since XX/XX/XXXX, and I have been in contact with them for three months. In XXXX we spoke 5 times in XXXX we spoke 6 times in XXXX we spoke 3 times Recently, I received a letter from Wells Fargo today XX/XX/XXXX that I needed to sign, which seems to indicate a step towards foreclosure. However, they assured me that I am not in foreclosure yet. I am confused and frustrated because I am effectively begging for support to set up a repayment plan. I have the income to make payments now, yet the past balance has been overdue for 300 days, and they are not willing to work with me on a payment plan. Now that I am in recovery have the income to make my regular payments and I am begging for a payment plan. At the end of the forbearance period, thay say they will work with me again to explore available options but have not! 

I truly need help with this situation. 
Wells fargo XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX Loan Number : XXXX FHA Loan
Product: Credit card

On XX/XX/, my credit was used to purchase almost {$900.00} at three different stores ( XXXX, XXXX, and Macys ) despite the card remaining in my possession. I saw the charges on XX/XX/, and immediately contacted the credit card company to report the charges as fraudulent and they reversed the charges while they investigated. 

They also canceled my card and sent me a new one. 

On XX/XX/XXXX, I received a notice online after signing into my account to check to make sure that the replacement card they sent me had not also been fraudulently used. This is when I realized they notified me online ( instead of through the mail as requested, and how I receive my statements ) that they deemed I benefited from the fraudulent purchases, and therefore, the charges were legitimate and added back to my credit card bill. Apparently, they had the findings almost a week before I happened to check in! 

I immediately called them on XX/XX/, and told them that I wanted a detailed copy documenting their findings and supporting their determination because not only have I never been to 2 of the 3 stores the charges were made at, Ive never even used that credit card at that mall. Furthermore, any prudent person can look at my statements for the past XXXX XXXX  and see that I dont use the card at retail stores ever! I only really use it at med spas, and very rarely elsewhere. I was told that they were going to reopen my claim and that somebody would contact me. I am still waiting to be contacted and the charges still remain.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting and XXXX Account # XXXX placed by XXXX has violated my rights.

15 U.S.C. 1681 section 622 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 written instructions.
Product: Credit reporting or other personal consumer reports

IM IN DISAGREEMENT WITH THE ACCOUNT LISTED BELOW. 
PACIFIC CREDIT EXCHANGE STATED THEY SENT ME MULTIPLE LETTERS. 
IF IN FACT YOU BELIEVE YOU GAVE ME PROPER NOTIFICATION, THEN PLEASE SEND ME THE CERTIFIED RECEIPT WITH MY SIGNATURE ON IT. 
ALSO, THEY SENT A COPY OF A POLICY THAT DOESNT HAVE MY NAME OR SIGNATURE ON IT. SEND ME THE CONTRACT BETWEEN MYSELF AND PACIFIC CREDIT EXHCHANGE STATING I AM RESPONSIBLE FOR THIS DEBT.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block, inc. ) due to inaccurate 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 regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for violations.
Product: Payday loan, title loan, personal loan, or advance loan

My original loan was taken out in XX/XX/XXXX for {$10000.00}. I made monthly payments from {$900.00} that decreased to {$650.00} without issues for two years. In XXXX of 2022 after losing my job I received another XXXX XXXXXXXX. My paymentss went back up to {$860.00}. One month after receiving the additional amount, my payment was late 21 days and they repossessed my vehicle. Keep I mind my payments had been later than that, 30-45 days sometimes, and they never repossessed my car. But because the additional XXXX XXXX somehow made it a new loan, that also made me a new customer? And they did this without warning or explanation that I was somehow a new customer. So they repoed at 21 days. Every month since then, when my account reaches more than 21 days past due I start getting threats of repossession. Theyve put out repo orders at least 6 times in the last year. The emails are nonsensical from their less than incompetent employees, constantly claiming I broke my promise. And after all this, I still somehow owe over XXXX XXXXXXXX. To call this predatory is an understatement.
Product: Credit reporting or other personal consumer reports

please delete this items now I never received any response for the XXXX credit bureaus please delete XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX