23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I requested validation of debt pursuant 15 USC 1692g and sent them a letter on XX/XX/XXXX and XX/XX/XXXX last year. They only sent me an account summary and didn't provide each requirement that I'm asking to validate the debt. This is already affecting my scores and I want them removed as soon as possible
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to modify my loan in lat e 2015 thr ough  XXXX   XXXX , I was put on a payment trial plan, once I received all the paperwork I decided it was better not to modify the loan because of the dollar amount to invest.  XXXX   XXXX  then since late  2015 ha s reporte d 2 late paym ents both  XXXX  days late. I have never paid my mortgage more than   XXXX   days late, I did all trial payments on time, I have contacted  XXXX   XXXX  regarding their error and they do not correct the problem, I have also disputed the account with all  XXXX  CRA but  XXXX   XXXX  continues not fixing their error.
Product: Debt collection

I called and agreed to a repayment plan for my XX/XX/2019 payment on XX/XX/2019. My XXXX mortgage payment was to be spread over the next 3 months with the current month 's payment. I followed all the instructions given to me, including signing the repayment plan document and returning it to Shellpoint on XX/XX/2019. I also set up automated payments to ensure that I am never late to pay the current monthly and payment plan payments. I have been reported as 30 days late to all 3 major credit bureaus and I was told by the representative who set up the repayment plan, this would not occur due to the repayment plan activation. The required payment plan documents were signed and returned to Shellpoint on XX/XX/2019. The agreement stated to have the document signed and received by Shellpoint before XX/XX/2019, and according to the Shellpoint Customer Service team, the signed documents were received on XX/XX/2019. A Week later, I had to call to verify that the documents were received and ask that the payment plan be updated to reflect my new mortgage payment amount from the new escrow analysis I received. My mortgage payment was lowered beginning XX/XX/2019 due to the escrow analysis, therefore the payment amounts listed on the payment plan had to be adjusted to reflect lower amount. I spoke with a representative from Shellpoint regarding the update payment plan amounts and they also ensured me Id be in no danger of a 30 days late or negative remark being placed on my credit reports. I received a 30 days late remark on XX/XX/2019 on all 3 of my credit reports. I called and spoke with the Shellpoint Customer service team yet again, and they instructed me to email my concerns to XXXX, to have this issue corrected. I have emailed XXXX 2 times and I have not received a response.
Product: Money transfer, virtual currency, or money service

XXXX locked/frozen my account. I had to call them and they, in turn, told me I had an outstanding debt and had to resolve it with a collections agency called XXXX XXXX. XXXX XXXX  phone number doesn't work and I can not login to their website. 

XXXX XXXX  number is XXXX It says I can pay online but then requires a reference number which i do not have and never received. They say to go to acibillpay.com. I can not access this site either. 

The amount is XXXX ( i am not even sure what it is for ). 

Please help. I have never heard of XXXX XXXX. I just want my XXXX  account restored.
Product: Debt collection

After I spoke with the representative and told her that I disputed the debt, she called my consulting colleague. She spoke to me on my cell so there was no need to call anyone else. 
The previous week I told Financial Management Services Representative that I had never received a written demand for payment or description of which loan this debt addressed. I received a written bill and told her on this call that I was disputing the debt.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of my personal information was inaccurate especially the address. I also found an inquiry that I don't recall giving permission. The following needs to be investigated and be corrected for erroneous reporting in my file : XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/2022
Product: Bank account or service

XXXX unauthorized transactions in my BBT account XXXX Checking {$1500.00} to a XXXX XXXX Savings {$7000.00} to a XXXX
Product: Credit card or prepaid card

XX/XX/2019 credit card paid in full with a due date of XX/XX/2019 Comenity XXXX   XXXX stated promo offer needed to be paid by XX/XX/2019 Customer called into to service line In the prior months and asked when pay off was and rep stated to pay in full by XX/XX/2019, not once was a promo date disclosed - not even at purchase. 

This was a second purchase with a promo on the same XXXX XXXX   comenity card and never an issue before. 

Charged a XXXX $ Finance fee and late fee when account was paid in full before due date if XX/XX/2019 XX/XX/19Customer called and spoke with rep and 3 managers/supervisors to resolve issue and all stated nothing could be done Account was maintained meticulously and credit history is superb.
Product: Mortgage

In XX/XX/2020 Loan Depot " Pre Qualified '' me to purchase my first home using an FHA/VHDA loan for the down payment assistance grant program ( through the VHDA ) As the process started everything went fine and I provided each and every document to them as requested for the FHA/VHDA loan that they were working to obtain for me that I was " Pre Qualified '' for. I paid the {$500.00} earnest deposit to my real estate agent, paid {$450.00} for a home inspection and paid {$470.00} for an appraisal which Loan Depot insisted on and made me pay for in order to obtain the loan that I was " Pre Qualified '' for only to then be denied for the loan because my name was on the deed of a home with my father but I was NOT on the note for. This home was foreclosed on but again, I was only on the deed and was NOT on the note of the home so I was NOT financially obligated to the note on this home.

When I inquired with Loan Depot about this, all I was told that because I was on the deed I am still responsible for the foreclosure and that the Underwriter would deny the loan because the VHDA would not approve it. Then the more I asked about it I was told that the Underwriter denied it. So WOULD the Underwriter deny it or DID the Underwriter deny it? One said that they did but another said that they didn't even see it to deny it. Also, I contacted the VHDA and they never even received the request to deny on their end so all of this was very confusing and left unanswered questions. In addition to the fact that NO ONE at all could answer my question about how I can be responsible for a note that I was not financially obligated to. I never received credit for the on time payments of the loan so how can I be responsible for the foreclosure on a note of a home that I was not even on? None of this makes any sense at all.

Since this information was a " reason to deny the loan '' and was found on what I was told a " fraud check '' that lenders are required to run why was it not ran before the " Pre Qualification '' and how I WAS " Pre Qualified '' for the loan in the first place?

I am livid about this and can not let it go. I lost {$1100.00} that I spent toward the purchase of my first home and it does not sit well with me since I was NOT financially obligated to the loan that was the reason for the denial of my loan request with Loan Depot that I was " Pre Qualified '' for.

I would like to see this addressed and made public so perhaps it saves someone else from going through a similar situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX  Acct # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A-states I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Account was in forbearance while it was being restructured was never late and now everything is up to date please assit.
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 violates 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, I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Checking or savings account

I am writing to report a theft to my bank account and to help me recover the money. On XX/XX/XXXX, I realized that there was an unauthorized transaction on XX/XX/XXXX in my Wells Fargo checking account of XXXX dollars, a company called XXXX XXXX XXXX through a false check that I didn't even sign. Once I called the bank I realized that the bank has been authorizing payments from my account to three companies ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) on a cyclical basis since XX/XX/XXXX through False checks that I never signed nor are they mine, for a total of 41 checks and a sum of XXXX dollars. At that time, I request to close my checking account and made a Fraud Claim for the whole 41 fraudulent transaction, for a total of XXXX dollars, two days after Wells Fargo sent me a resolution for my Claim # XXXX and only reimbursed me XXXX dollars because a lot of time had passed between the fraudulent transactions ( which they authorized ) and the moment I contacted them to let them know that there were stealing my money from my Wells Fargo account.

When I called the claim department, a lady, in a very disrespectful manner, told me that it was my responsibility to find out quickly if my money was being stolen, when I let her know that my money in Wells Fargo has XXXX protection, for the first XXXX dollars, and to prevent their clients ' money from being stolen there is a Fraud Department at Wells Fargo, she, in a disrespectful manner and speaking over me, tells me once again that I was responsible and hangs up on me.

I am writing to you, since Wells Fargo plans to clear its hands, what is the next step for me to recover the money that Wells Fargo, as a banking institution, allowed me to be robbed. I need to obtain a police report, what need to be the next steps?
Product: Debt collection

Ulta mastercard which is thru comenity calls me no less than 5 times per day. Then send text after. They call from unknown number and leave a message and then numbers that rings up comenity. Also when I pick up they still call daily. They do not go by regulations. They have calked me 18 plus times in less than a week.they are not allowed to call more than 7 times in 7 days and they exceed triple that
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent disputes to this company in regards to inaccurate and fraudulent accounts they have failed to respond to me, it has been well over 30 days and I am demanding removal of these accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a LEGAL Notarized affidavit to Equifax, disputing under the FCRA requesting under Section 609 ( a ) ( 1 ) ( A ), For Equifax, to Provide physical verification of the original signed consumer contract. I demanded from Equifax, to see 100 % Verifiable Proof an original Consumer Contract with my Signature on it. They have failed to RESPOND or VERIFY 100 % verifiable proof even though I have been sent back the Certified Return receipt. UNDER the FCRA they are Now REQUIRED to REMOVE the accounts being disputed under applicable federal law. Additionally, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of 100 % verifiable proof which they have negligently failed to do. Now forcing me to seek relief through the CFPB portal.
Product: Credit reporting or other personal consumer reports

I am writing to demand the immediate removal of unauthorized inquiries from my. 
Upon reviewing my credit report, I noticed several inquiries that I did not authorize or that are not in compliance with the Fair Credit Reporting Act. These inquiries are negatively impacting my credit score and, consequently, my financial opportunities.

I expect you to take this matter seriously and remove these inquiries without delay. I am aware of my rights under the Fair Credit Reporting Act and will not hesitate to escalate this issue if necessary. 
Please confirm the removal of these inquiries in writing within 30 days of receiving this letter. 
Failure to address this issue will leave me with no choice but to pursue further action. 
Thank you for your immediate attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed several inquires on my credit report that was never authorized nor approved. XXXX XXXX Bank are on all 3 of my credit reports. I do not have any accounts nor ever applied for a credit card. XXXX XXXX Bank is on my XXXX report. I have never even applied for any bank or credit card accounts. The only legitimate inquiry is from XXXX XXXX, which is only on my Experian credit report. 

This is the result of identity theft that I had reported to the police. The police report number is # XXXX. Complaints and fraud reports are being processed with identitytheft.gov and with the Social Security Administration. A complaint is also being processed with XXXX XXXX Bank and XXXX XXXX Bank.
Product: Credit card

A charge for XXXX was debited on my XXXX XXXX card from CONSUMERINFO.COM for Experian. I disputed this charge last year, yet Experian/Consumerinfocom continues to draft my credit cardaccount. 

I contacted the above reference companies ( I have contact numbers for both Experian and Consumerinfo.com, yet both organizations are playing a bait and switch in disavowing that they generated the charge and requiring copious amounts of information to " research '' the issue even though they both acknowledge that the payment has been processed. 

Prior to filing this dispute, i briefly read where there was a judgment entered against Experian for unauthorized charges on client accounts. XXXX XXXX suggested that i reach out to consumerinfocom directly- which I have done. Neither Experian, consumerinfocom nor XXXX XXXX ( regretfully ) wants to provide an support in getting this issue resolved.
Product: Credit card

I received a letter from TD Bank XXXX XXXX stating that my credit card account had been closed due to Serious delinquency, proportion of balance to high credit on Bank rev or all rev accounts, length of time or unknown time since account delinquent, and too few accounts rated current. First of all none of this is true because up until recently I had a credit freeze and I believe that their systems are not looking past the credit freeze. I was also just approved recently for a home loan which is contingent upon sale of my current house so I don't understand how I could have qualified with this bad of a report. I know my debt to income ratio is high but in general I pay everything on time with very few things going past due. I work diligently to make sure that anything that I miss gets paid as soon as I'm aware. I'm just struggling to make it like everyone else. I know recently that XXXX XXXX has been in lawsuits regarding this action and I feel like it's more of the same. I received this letter as of XX/XX/year>. I'm a new father and trying to get a house and this couldn't come at a worse time. To make matters worse my account was current and had a XXXX balance with them and for them to close my account has negatively impacted my credit score. By all estimations I should have been a good standing.
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2019, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX ( the Company ), with the design, development, manufacture, promoting, marketing, distribution, labelling, and/or sale of illegal and outright fraudulent investment services, '' all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of client losses to gains. Money was transferred from my account via bank wire in the total amount of XXXX XXXX USD utilizing Wells Fargo services.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX I had made payment arrangements with the company credit acceptance for my car payment. 
The payment arrangements were considered as to breaking initial payment arrangement which was initial car payment regardless of the on time in full payments that were made due to the payment arrangements created the company has shown late or no payment for almost XXXX years and has resulted in damaging my credit and ruining any possibility of me moving ahead. 
The company overcharged me on the XXXX to begin with extremely high interest and one of the few companies that took no regard to the pandemic and in a time or parallel left people with no options.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding an inaccurate item on my credit report that continue to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency. It remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history.
Product: Checking or savings account

in XXXX of 2021 i went for a FREE consult at XXXX  gym. i signed up for monthly membership fee of XXXX a few days later i was notified that i was having emerg XXXX  XXXX. i notified the gym that i would be cancelling the membership until further notice. they continued to bill me. i emailed them and they refunded the monthly fees charged. then i noticed recently that on XX/XX/2021 i was charged for a personal training session that i never had or scheduled. I tried to contact the gym. no response this time. i disputed the charges with chase bank on XX/XX/XXXXand i was credited the amount of XXXX on XX/XX/2021 the funds were debited from my account once again. i am being charged for a service that i never received.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that Experian, XXXX and XXXX will investigate this account for me to ensure accuracy Here is the account I have asked you to asking you to verify as accurate : Account Name : XXXX Account Number : XXXX The Date Opened for this account on XXXX is  XX/XX/year>. The Date Opened for this account on Experian is XX/XX/year>. This is inaccurate history reporting. If this item is from the same creditor, the information should be the same from all three bureaus. This inaccurate information falsely manipulates the my credit worthiness and it's hurting my ability to obtain credit. 

XXXX, XXXX and Experian failed to investigate this account properly after I repeatedly asked via written request to have the account updated. Your negligence has once again violated my consumer rights. I am demanding a deletion of the following account : Account Name : XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX IS REPROTING INCORRECT ADDRESSES
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANS UNION said they could not find my credit file due to they need more identification proof in the form of social security id, paystub, utility bill, and XXXX to complete investigation. I will attach a copy of the identification proof in this complaint.
Product: Credit card or prepaid card

This is the second day in a row that I have received a prepaid unemployment benefit card causing fraud against me by using my name. Yesterday ( XX/XX/20 ) I notified the credit bureau of this fraud issue. This prepaid card is from Ohio, yesterdays was from Colorado. These are US Bank Reliacards Visa debit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX AND TRANSUNION Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681XXXX within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : ( XXXX XXXXXXXX XXXX Balance {$0.00} ; XXXX XXXX XXXXXXXX Balance {$0.00} ; XXXX XXXX XXXXXXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$5200.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$20000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$270.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$38000.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance {$3300.00} ; XXXX XXXXXXXX XXXX {$7500.00} ; XXXX XXXX XXXX XXXX Balance {$140.00} ; XXXX XXXX  XXXX Balance {$78.00} )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written a letter attempted to reach out to rocket loans back in XXXX of this year 2020, two items has been deleted on transunion and experian in regards to an item on equifax my report to be removed, has not been properly verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting Act the following companies HAS VIOLATED MY RIGHTS .... 

XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, 15 U.S.C 1681 section 602A. states that i have the right to privacy 15 U.S.C 1682 section 604A section 2 states that a consumer agency can not furnish a account without my written instructions.