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

I am disputing this account under 15 USC 6802, which ensures my right to privacy and protection against unauthorized sharing of my personal information. This account contains inaccurate information, and I did not authorize the sharing or reporting of this data under the conditions set forth by this law. I request immediate removal of this account as it is in violation of my rights under the Gramm-Leach-Bliley Act and other relevant consumer protection statutes
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureau not complying with their own policies in a timely manner.
Product: Checking or savings account

A check was cashed by an unknown person erroneously by the financial institution I bank with. NOT the entity in which the check was written to. Check even had my account number written at the bottom left of the check. 
Check was also written to XXXX ( which is my payee ) After calling company ( XXXX ) to verify why check wasnt cashed and not getting any answer from them or from my bank I decided to open a claim with my financial institution. 
Because I am out of the time frame my financial institution states to be required to open/file a claim they are NOT considering the claim valid.
Product: Debt collection

This company had kept calling me multiple times a day regarding a credit card bill since XXXX when I was XXXX XXXX XXXX XXXXXXXX  to my understanding my mother had spoken to the representative explaining the situation and the next day they called again regarding the debit.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I looked at my report. I sent a letter to TransUnion on XX/XX/year> asking them to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX  XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXXXXXX # XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX  # XXXX XXXX XXXX XXXX, and this is my tracking number XXXX XXXX On XX/XX/year> they sent me their investigation and said these accounts were complete and accurate. 
I looked at my report and noticed everything was the same, then on XX/XX/year> I sent another letter with tracking number XXXX, requesting a description of the methods they used to verify the account, which they did not respond to,,, and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
and according to 15 USC 1681eb they are supposed to ensure this b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

And according to 15 USC 1681s-2 this os suppose to happen ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, inaccurate. 
Trans Union really did not reinvestigation they lied on an offical document saying they did something they did not do and I have evidence to prove my case
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block Inc. ) due to inadequate customer service and fair 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 funds transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience nd financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

XXXX, XXXX XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX ATTENTION XXXX DEPARTMENT TODAYS DATE : XX/XX/XXXX CREDIT COLLECTION SVCS XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person XXXX company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
XXXX XXXX ) Rule of construction Nothing in this subsection shall be construed to prohibit -- XXXX A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CREDIT XXXX XXXX  XXXX I have report your company to XXXX As a form of record and I am prepare to sue your company XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Product: Credit reporting

Equifax continues to report obvious erroneous information on my credit report after XXXX investigations on the issue and one CFPB complaint.So XXXX account XXXX reported yesterday at conclusion of investigation # XXXX a dofd of XXXX and on the same item, report a 120 day late on XXXX in the account history.Also reported on this monthly bill is a last payment of XXXX which would correspond to a dofd of XXXX. 
Equifax has repeatedly reported obvious errors '' on the face of the record '' with regard to this creditor who " re-ages the account '' which denotes strict liability for this illegal practice according to FCRA FOR BOTH EQUIFAX AND THE CREDITOR.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I looked at my account with Regions Bank on XX/XX/18 and saw that 3 charges not authorized by me were pending. I called the companies listed and they agreed since the charges were not initiated by me and were still in pre-authorization status to cancel the transactions. However, during this time regions charged me 3 NSF fees for transactions that cleared while the others were still pending. I understand once things are pending the money is on hold however once I notified Regions of the transaction and my working with the other companies to clear them out they refuse to do anything about the NSF fees never mind the transactions that appeared were not authorized to begin with. Also Regions has said that the a couple of transactions were pending with the fraudulent charges and that's why these 3 were charged since the others already accounted for money on hold. However when the authorized charges went through that were pending they charged me with NSF again. How can something already have a hold on money and make other things go over then turn around and go over themselves?? No help from Regions in this matter.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX XXXXXXXX Balance Owed : {$9900.00} XXXX XXXX XXXX Balance Owed : {$96.00}
Product: Mortgage

We have a mortgage on a condo in FL. We have been making regular on time electronic payments for close to 22 months. In XXXX 2016 the mortgage servicing company did not post our payment. Our bank statement showed that the payment had been sent, the amount deducted and received. The transaction was marked completed by the bank. I called the mortgage servicing company and asked them to check on it. XX/XX/XXXX came and I made the payment and the same thing happened. The money was deducted but the mortgage servicing company again did not acknowledge receipt. I have made a call per week to the mortgage servicing company with no satisfactory resolution. Yesterday I received a certified letter telling me that we are in default. Today I have again made calls to the mortgage servicing company and my bank to send proof of payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2020
Product: Debt collection

Hello I filed a complaint in  XXXX  to have  National Credit  systems to remove a collections they have on my credit report. They agreed to remove the account however they said they removed the account but it is still showing on my credit reports I called the credit bureaus and they have n't received any information from National credit systems to remove this account on my report. I called national credit systems back and they 're not being any help.   XXXX   and   XXXX   f  ax said that once they receive the update to remove the account electronically it is removed instantly. I 've been calling them to have them remove this account since  XXXX  and I 'm getting the run around.
Product: Credit card

Hello, I have been a credit card member of Discover since XX/XX/XXXX. I just noticed that as far as I can go back ( about XX/XX/XXXX ) they have been charging me for a Payment Protection Fee which I never signed up for adding up to about {$2000.00}. 

I researched this matter and see there have been many complaints from customer who were also signed up for these fees without their consent and that the FDIC found Discover 's practices deceptive and there was a class action suit filed against Discover for this. 

I called Discover today with this complaint to cancel future charges and to request a full refund for the amounts charged without my consent. I was told they could only refund me about {$320.00} for the last 6 billing cycles. After requesting a Manager, he kept on with the same rule and added that they have recording of me opting in for this service and that they have done their " due diligence '' in making sure their customers know about this fee by putting it in the statement and sending communications by mail/email. I NEVER signed up for this service and when I requested to hear the recording of me agreeing to opt in to the Payment Protection plan, I was told they could n't share those recordings with their customers for " legal '' reasons. 

I 'm very disappointed and upset that a reputable institution would go about these tactics to seamlessly add small charges to customer credits cards which add up to their hard earned money over time.
Product: Checking or savings account

Hello, I opened an account with Ally Bank on XX/XX/2022. I later funded this account with {$80.00} from XXXX XXXX, linked the Ally account to my XXXX account, and used it one time to purchase food online. 

I got an e-mail at XXXX AM stating " Your telephone banking PIN has been changed '', despite not having made any changes to the account. I called Ally support that afternoon, and after I answered my security questions I was told that the account had been temporarily frozen and was under review. The customer service representative mentioned that it could take their team up to two weeks to investigate. 

I do not trust Ally 's ability to resolve this issue quickly, and I figured I would submit this complaint now to help expedite the issue as necessary.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 someone charged on my Home Depot credit card without using my credit card or my authorization. I made a complaint with them and filed a police report. After Home Depot made their investigation they sent me a letter stating that I was responsible for the charge of {$900.00}. 

Police Report with XXXX XXXX XXXX XXXX XXXX, XX/XX/2023, Case # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX
Product: Mortgage

Dear Chase, XXXX - raised more questions it appears dual process took place between WAMU and XXXX during the XXXX transfer to Chase. My attorney has no record of Chase as servicer. 
I am providing documents of ERRORS as requested Continuous Errors and mistakes - until present discovery Chase you asked for documents to provide more clarity of errors, mistakes by XXXX - attached please explain the documents or errors and my rights to redeem due to errors and mistakes- which documents are considered VOIDABLE and or VOID
Product: Debt collection

Wells Fargo Bank purchased Wachovia Bank. Wachovia Bank, had been taking all my payments on a truck I had bought and financed with another company Wachovia had purchased. Wachovia Bank took all my payments, but I have no idea where my payments went to. Wells Fargo Bank purchased Wachovia, but Wells Fargo Bank never gave me any kind of " notice '' that they purchased the Bank that had my account, the " notice '' is required from the purchaser of a bank that has an account with a consumer that will be affected by the " Material Change of the new purchaser of the consumer 's account holder the purchased Bank, the notice required by 12 USC 45a and said law also requires " contact information '' from the purchaser of the bank must be included in the required notice also to the consumer, Where is that " notice ''???????????? ... ... ... ... ... ... ....
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report for XXXX and XXXX has the wrong address. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The following accounts were opened fraudulent in my name without my consent. 

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

I believe that I am a victim of identity theft and filed a dispute with the credit reporting agencies in regards to it, per section 605B of the Fair Credit Reporting Act. I never received any notifications in regards to the results of the alleged items. It has now been over the allotted time period for when the bureaus are legally obligated to respond to my request. The initial letter was sent certified mail on XX/XX/2020 and was received by the credit bureaus on XX/XX/2020 & XX/XX/2020. I have yet to receive any responses and it has been well over the designated legal time period.
Product: Student loan

On XX/XX/22 I consolidated all of my loans with student aid.gov in the amount of XXXX. However, on XX/XX/22 I received a notices that around XXXX was forgiving under the XXXX from Fed XXXX. Only partial of my loans weee forgiven leaving me an XXXX balance. I was told and it was writing in the new XXXX policy that student loans will take the highest count of payments. I had XXXX payments to qualify for student loan forgiveness which all of my loans should have been forgiven since I consolidated. My remaining balance was sent to Mohela  stating I owe XXXX which I knew was apart of the consolidation of the balance of XXXX. I should have a XXXX balance since I consolidated all of my loans.
Product: Credit reporting or other personal consumer reports

The late payment remark on my credit report is negatively impacting my FICO score, and I am requesting its removal to ensure my credit profile accurately reflects my financial responsibility. Payment history accounts for approximately 35 % of my FICO score, making it the most significant factor in credit scoring. A single late payment can cause a substantial drop in my score, especially if I previously had a strong payment record. 

This inaccurate late payment is unfairly lowering my creditworthiness and affecting my ability to secure financial opportunities, such as obtaining a loan or favorable interest rates. Additionally, lenders and financial institutions rely on FICO scores to assess risk, and this incorrect remark could result in higher borrowing costs or even denials of credit applications. 

I am formally disputing this error under the Fair Credit Reporting Act ( FCRA ), which grants me the right to challenge inaccurate or unverifiable information on my credit report. If the late payment can not be verified or is incorrect, it must be removed. Furthermore, I am requesting a goodwill adjustment from the creditor, as I have a history of responsible financial management, and this late payment does not accurately represent my reliability.
Product: Debt collection

I have received multiple mailings ( XXXX, XXXX, XXXX ) from the Mediation Recovery Center out of XXXX, XXXX regarding a " debt I owed to XXXX XXXX. '' They offered that I could pay my {$1600.00} debt with an immediate payment of {$420.00}. When I didn't respond to the letters, they started to call. Almost daily. I answered the phone at one point and the very abrasive man told me of this debt they were trying to recover. When I told him the debt was not mine ( I have NEVER had a loan through XXXX XXXX ), he replied, " So you are disputing it then? '' I told him yes. 

The harassment for a loan that never existed in my name is infuriating. It caused me to pull my credit, just to make sure nothing was out there -- and it's perfectly clear. No outstanding loans, aside from my current mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX and XXXX, I filed a dispute with this credit bureau about the unverified account XXXX XXXX  -- Account number XXXX. In those 2 months I have asked numerous times for a response into their investigation and I have not received anything in response from this bureau in over 2 months.. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about these four unverified accounts as of today. Thank you
Product: Credit card or prepaid card

An attempt to open a credit card in my name with Capital One with inquiries on XXXX on XX/XX/23 and XX/XX/23 fraudulently. I contacted capital one, they stated an account was not opened but they could not do anything about the inquiries that were placed or find out who was requesting them.
Product: Mortgage

XXXX XXXX NMLS ID # XXXX from Amerisave Mortgage Corporation told me and my wife to sign lots of documents online saying my application has been pre-Approved for refinancing my mortgage. He did not provide me any documents what we signed. He made me pay {$500.00} for appraisal fees saying I am not going to loose any money because I am already approved for the loan. After the appraisal he send me another documents to sign. I found this is an initial application for the loan. In short HE LIED me and took all of our confidential information over the phone and in his email saying I can not complete an online application and wasted my {$500.00}.