23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I refinanced my home with a VA Refinance Loan through Veterans United Home Loans. I was told on multiple occasions through this refi process that the VA required XXXX XXXX to establish an escrow account to fund property taxes and insurance premiums. I was told that this is the law and there was nothing they could do about it. I am a 100 % XXXX Veteran with a degree in XXXX XXXX. I recited the law to these underwriters who refused to comply and continued to lie to me. As I had several XXXX dollars invested into this refinance at this point, I had no choice but to comply with their demands. Now this loan has been sold to XXXX. I have contacted them to remove the escrow account and again I am hearing the same flawed argument we are required by law, we are required by the VA to establish the escrow account. As of now, I have demanded a formal review and a written response from XXXX. I am waiting for their response. 
I have had mortgages and multiple mortgages at the same time for 50 years. I have never missed a mortgage or tax payment ever. I have never been late on any payment, my credit score is impeccable. 
I have been lied to, the VA Home Loan Program has been abused and misrepresented by these people and it must stop. At this very moment, the lies are being repeated to other XXXX Veterans. These Veterans are being harmed. Please send a message to these lenders and help me to stop this abuse. 
Thank you
Product: Checking or savings account

I detected fraudulent activity on my Credit Karma account & immediately notified the bank what was going on. I called the support team & they basically told me I needed to wait for the charges to finalize, & then I could dispute them. That is completely outrageous. The withdrawals are obviously from phony creditors. I was able to stop the first payment thankfully, but then it happens again. And these are for large amounts. I reluctantly waited for the provisional credit only for it to be hacked/withdrawn from my account again in less than XXXX hours. I am beyond frustrated with their support team. No one is giving my case any sense of urgency. Everyone is apologetic but I dont need empty apologies, I want answers & a resolution. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, XXXX XXXX reported a 56 point drop to my XXXX  credit report and a 57 point drop to my XXXX   credit report. When I looked into what changes had occurred since last month, I saw an account had been closed : SNYCB/PPC. As far as I can tell, this is an account that I had no knowledge of that originated with Paypal as " XXXX XXXX  XXXX  '' and was sold to Synchrony Bank. Synchorny Bank presumably closed the account due to inactivity. I never used or signed up for this account at any time. It is unconscionable, that Synchrony would close this account at random, without my knowledge of it ever existing, and deal such a devastating blow to my credit report. I filed a dispute to my XXXX  report with XXXX XXXX, directly with XXXX  and now with the Consumer Financial Protection Bureau. If this matter is not promptly resolved, I will take further legal action.
Product: Credit reporting or other personal consumer reports

I disputed all accounts with student loan servicer XXXX. All of these loans were paid in XX/XX/XXXX and are now being serviced by XXXX. The accounts were closed/removed from my report and then added back. I disputed all XXXX accounts on XX/XX/XXXX and again on XX/XX/XXXX. I called XXXX and was told that they could not send a letter but I could print a mortgage statement off line. Then was told maybe a supervisor has access to send the info but no letter was ever sent. I have checked for weeks and the online account will not allow me to open any documents. I have also complained about that issue. I saved the mortgage statement screen as a PDF and uploaded it to experian. It shows I have no loan balances with XXXX. Both servicers XXXX XXXX XXXX are now on my report with the exact same accounts and loan amounts making my debt to income much higher than it should be as well as causing my score to decrease which has caused a negative reflection on me when trying to make certain types of purchases. This is causing me stress, anxiety, wasted time and money when clearly XXXX has no proof of current existing loans. The updates dont go past XX/XX/XXXX as they no longer service my loans and have been paid in full. XXXX will not remove even with proof and numerous calls and disputes.
Product: Credit reporting or other personal consumer reports

I have provided all four pieces of information and expect these listed accounts to be deleted and blocked within four business days of your receipt of this notice ; otherwise, you are in violation of my rights under the FCRA once again! If you do not initiate an investigation regarding my dispute and delete this information within 4 business days of receiving this notice per 15 USC 1681c-2, as is my right under the FCRA, I will have to take legal action to protect my credit rating and myself. Each violation of the FCRA allows for damages of {$1000.00} should this matter be brought to court. 15 U.SXXXX Code 1681n ( a ) ( 1 ) ( A ) essentially states that if a person willfully violates any requirement of the FCRA with respect to a consumer, they are liable to that consumer for any actual damages suffered as a result. If actual damages can not be determined, the consumer can still receive statutory damages ranging from {$100.00} to {$1000.00}. This provision ensures that consumers are protected and have recourse if their rights under the FCRA are willfully violated.
Product: Credit reporting or other personal consumer reports

I do not recognize inquiry in my credit report from XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/year> i didn't applied or do any business with that bank
Product: Debt collection

Consumer portfolio charge off my debit and sent late payments reports that are not accurate to my credit report XXXX and XXXX and XXXX that is affecting my ability to get credit. This account with consumer portfolio is charged off and I no longer have a debit with this company. It was illegal sold to a third party XXXX XXXX XXXX which I never had any debit with. Now I am having problems getting credit because of the negative reports sent to my credit report XXXX and XXXX and XXXX. I have asked to have these negative reports be removed immediately from my credit report especially late payments reports that are inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has been reporting a late payment on my consumer file with XXXX. XXXX and XXXX XXXX XXXX is reporting a late payment every month since XXXX XXXX and. XX/XX/2022 on a closed account which is in violation of my consumer right 15 USC 1681 ( c ) no adverse action shall not be reported 15 USC. 1681 ( s ) 2 Responsibility of Furnishers has violated my right to accurate information 15 USC 1681 ( I ) a 2 how promptness in how notifications should be handled.
Product: Consumer Loan

I entered into a financing contract in XXXX for a Honda Civic XXXX at {$470.00} a month with a % XXXX interest rate. In XXXX I inquired with American Honda about refinancing my original contract because my monthly note and interest rate was too high. American Honda finance was unwilling to work with my request. XXXX XXXX after falling behind payments, my car was repossessed with an unregulated GPS tracking system used by American Honda finance. I contacted my local congressman 's office about subprime lending and predatory lending issues I experienced with American Honda finance and received no help from congressman 's office. Recently, my car was sold at {$10.00}, XXXX in a private sale because I was unable to acquire a secure loan for {$17000.00} to retrieve my car from American Honda repossession lot. After the sale of the car, I now have a car deficiency of {$6900.00}. I am a victim of predatory and discriminatory lending committed by American Honda finance.
Product: Debt collection

The company is Enhanced Recovery co. They say i owe XXXX but i contacted XXXX XXXX and they could find my name or the account. So i asked who their collection went to and it was this company. So i XXXX it and looked at the reviews. A lot of people are saying its a scam. They all say the same date and and money XX/XX/2018. I never had a XXXX XXXX bill. That year beacuse tv was included in rent.
Product: Credit card

While checking my personal credit report, which I acquired from XXXX, I noticed an inquiry made by your company " SYNCB '' on XX/XX/XXXX and XX/XX/XXXX. 

I did not authorize anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ). You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have over the last month found that someone has repeatedly use my information to apply for credit at numerous creditors creating a long list of Unauthorized Inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Pursuant to 15 usc 1692g ( a ) ( 1 ), I am requesting the amount of the alleged debt, and how the amount of this alleged debt was calculated. Please keep in mind this is only a request for validation of the AMOUNT of the alleged debt pursuant to 15 usc 1692g ( a ) ( 1 ).

Please be clear on where this debt originated, how it was calculated, and any supporting documentation that proves your claim is valid. Please keep in mind I am not requesting that you send me proof of location information ( my place of abode ) I am only requesting the alleged amount of this debt you claim I owe, and how it was calculated.
Product: Debt collection

On XXXX XXXX a garnishment in the amount of {$2500.00} was placed on my checking account by Zakheim & Lavrar XXXX XXXX, Florida for a debt owed to XXXX Bank. Zakheim & Lavrar claims to have sent XXXX documents to my residence warning me of an impending garnishment. We received neither of these letters. If we did we would have immediately paid off the debt. We were n't made aware of the garnishment until after we tried using our debit card and it was declined. After contacting the bank and learning where the garnishment was from we immediately drew a tellers check for the amount owed and mailed it. Zakheim and Lavrar received the check on XXXX XXXX. We asked when the hold would be released and they said between 7-10 business days. After 10 days we checked and the hold was still on our account. We contacted them and they informed us that they mailed out a Dissolved Writ of Garnishment to the court and our bank on the XXXX. We waited 5 days and the hold was still on. We contacted them again and they stated that they had mailed the Writ on the XXXX, and again that day, the XXXX. After contacting both our bank and the court today we learned that neither have received any documents regarding our case. The court informed us that the document needs to be sent via XXXX, the way the original documents to place the hold were sent, and to date, they have received nothing from Zakheim and Lavrar. We feel that we are being directly lied to by Zakheim and Lavrar and they are doing nothing to resolve our issue. From the beginning they have been giving us erroneous information.
Product: Credit card

The accounts listed here were open without my consent or knowledge. I am a victim of identity theft. I need these accounts removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent a letter via certified mail asking TransUnion to verify their method of verification for the XXXX XXXX Bankruptcy that they are reporting on my credit report. They responded with a letter dated XX/XX/XXXX stating that the data furnisher has previously verified the reported information. They did not disclose who the data furnisher was but provided a link in which to see who indeed did provide that information. Upon clicking the link, I saw where they showed that XXXX XXXX provided that information to them ( TransUnion ). However, on XX/XX/XXXX, I received an updated copy of my report from XXXX XXXX and a cover letter stating they had removed the Chapter XXXX Bankruptcy from my credit file. On XX/XX/XXXX, I wrote via certified mail explaining to them that they could not have verified such information to still be accurate because XXXX XXXX had removed that information therefore there was no way that they had it verified as accurate. I provided documentation to them from XXXX XXXX, the letter from the Bankruptcy court stating they do not provide that information to any credit reporting agencies yet they still did not acknowledge the additional documentation provided. On XX/XX/XXXX, TransUnion responded with the same letter stating they had received information from the data furnisher previously validating the inaccurate report of the Chapter XXXX Bankruptcy. After 2 previous attempts to have this information reinvestigated with no success, I filed a complaint being you ( Consumer Financial Protection Bureau ) on XX/XX/XXXX explaining my attempts. It was complaint number XXXX. You sent the complaint to TransUnion. TransUnion responded on XX/XX/XXXX stating they would investigate the matter and you closed the case. No follow-up was done to ensure a proper and thorough investigation. On XX/XX/XXXX, I sent another letter to TransUnion via certified mail informing them of my third request to have this situation completely investigated. On XX/XX/XXXX, I received another response from TransUnion stating for the third or more times that they had verified that information once again. I sent another response via certified mail on XX/XX/XXXX, providing the additional documentation showing that their verification was not nor could it be accurate due to the Chapter XXXX Bankruptcy being recently removed from my credit file with the data furnisher XXXX XXXX with whom they said verified the information from the beginning. 
On XX/XX/XXXX, I received another response from TransUnion with the exact same Information stating they had verified the information from the data furnisher. 
At this point, we have gone around and around about something they clearly are not investigating because there is no record of a Chapter XXXX Bankruptcy on my XXXX XXXX file. You all have not assisted with this matter in any way to gain a resolution. I am no longer doing this with either of you and my next plan of action is to file a complaint with the FTC. I have attached all documentation and hope to get a resolution soon.
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 proce 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 49 financial loss, and I seek appropriate redress For these violations
Product: Credit reporting or other personal consumer reports

I am not able to contact this institution. 


" XXXX was originally contracted to service federal loans through XXXX, but it ended its contract in XX/XX/XXXX due to financial loss. Its website no longer exist, and all loans were transferred to XXXX XXXX. '' - XXXX 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 


I am chosing to OPT OUT. But i am unable to contact this Loan Servicers 15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 

( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.
Product: Debt collection

Sometime during the week of XX/XX/XXXX, I received a phone call from Regional Finance, located in XXXX, Al, I explained my situation and asked that I not be contacted again, On XXXX, I received XXXX calls where a message was left both times. On XXXX, I mailed a cease and desist letter to the company. On that same day, XX/XX/XXXX, I received XXXX calls with a XXXX second message left all XXXX times. I feel like XXXX messages left in the same day is a bit extreme,
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I always mail out my credit card statements early and on time. Unfortunately, mail tampering and check theft have been reported in my community. I sent out my check to the XXXX XXXX credit card people. They said they never received it. They are charging me outrageous fees. I am elderly. If I am saying the check was lost or stolen, then that is what happened. I have closed out my credit card company since they make money off of this. They could be the XXXXs and say they didn't get the check, to charge extra fees. Why would they jump to the fact I am a XXXX and not sending it in? Not everyone is XXXX and XXXX  about this. They have lost me as a customer because of their predatory practices. There have been reports of unsavory post office people stealing things, people having the master key, and tampering with mail. Also, lots of mail lost in my area. We are hiring so many mail people now, and there have been a lot of reports of mail going missing, etc. This is in XXXX, where they barely care about anything until it becomes a serious problem. Or it affects the privileged people. I do not like companies that jump to the person lying. I am disgusted. XXXX dollar bill over something that is like XXXX over a check I sent in. I am tired of predatory companies and uncaring people.
Product: Debt collection

Account was charged after being closed. Reached out to XXXX XXXX XXXX to resolve the issue and got no resolve. Also the company is not licensed to collect in Alabama nor Missouri.
Product: Credit reporting or other personal consumer reports

There are some unauthorized inquiries on my credit report that I did not approve of from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX - Charge off Account - XX/XX/XXXX I sent a letter requesting information and an investigation over this account and kept getting the same response with no information on the account and how it was investigated in detail. I sent letters on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and demanding information over this account and the documents that verified this was my account and I don't get any information from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

CORPORATE ACCOUNT/ DO NO POST ON PERSONAL PROFILE. REMOVE IMMEDIATELY. NOT REPORTING ON OTHER BUREAUS billing discrepancy remove late mark. payments for a 6 dollar monthly fee were always on automatic and turned in. remove immediately 15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 Accion New Mexico Equifax XXXX XXXX Last Updated XXXX/2022 Payment Status Worst Delinquency None Reported Balance {$32000.00} Credit Limit MORE DETAILS Equifax XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dispute of Information in Credit Report Civil Liability for Negligence and Non-Compliance ( FCRA Section 1681 )
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to file a complaint against XXXX, XXXX, and TransUnion. I have sent 4 dispute letters ranging from XX/XX/XXXX to XX/XX/XXXX. I have mailed all letters by certified mail with confirmed received receipts but they have not provided what was requested. All 3 Bureaus were given more than enough time to validate these accounts. I am requesting all accounts below be removed from my credit report and all non-account holding inquiries over 30 days old. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts post on a credit report. Otherwise, anyone paying for reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ). The failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if they are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

The following accounts needs to be verified or removed immediately. 

Name of Account Account Number Provide Physical Verification XXXX XX/XX/XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXXL XXXX XX/XX/XXXX XXXX Unverified Account XXXX XXXX XX/XX/XXXX XXXX Unverified Account XXXX  XXXX XX/XX/XXXX XXXX Unverified Account XXXX XXXX XX/XX/XXXX XXXX Unverified Account