23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Invalidated/unauthorized inquiry Results of the Equifax data breach. Fraudulent Inquires on my credit report that must be removed within 4 days. According to the FCRA any FRAUDULENT information/inquires on your credit report must be removed immediately. I demand for all my inquires be removed from my credit report.
Product: Credit reporting or other personal consumer reports

I requested a copy of the original signature from the application be sent to my home address. I am requesting proof that XXXX XXXX allowed to practice debt collections in the State of Florida. This account has been be reported negatively for over seven years. I request on several occasions the reporting history from the opening of this account be sent since 2016. If XXXXXXXX XXXX had the complete file it would show the original Date of the application., Reassignment to collections does not restart the seven year window. Please send a complete file that shows each purchase each month to compute the amount claimed owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple inquires that I do not recognize with the equifax bureau company please delete this unauthorized information thanks.
Product: Credit reporting or other personal consumer reports

I have disputed online several times regarding multiple credit cards & collection agencies on my credit report for the same lines of credit. I called Experian & spoke with XXXX to escalate the disputes but she refused. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) are both on my credit report for the same closed line of credit/credit card. XXXX has the original creditor as XXXX XXXX & both are for the same amount of {$870.00}. 

Two collection Agencies XXXX XXXX XXXX XXXX XXXX XXXX have the same original creditor XXXXXXXX XXXX but two different amounts for the same closed line of credit on my report. XXXX has {$600.00} & XXXX has {$850.00}. 

XXXX XXXX & XXXX XXXX ( Collection Agency ) are both on my credit report for the same closed line of credit/credit card. XXXX has the original creditor as XXXX for the amount of {$1100.00} but the original creditor XXXX XXXX has the amount of {$1000.00}.
Product: Credit reporting

This is a written request that you investigate items that I believe to be reported in error. These items are not correct and are causing me financial and emotional distress because of their derogative nature. The following items must be investigated and then deleted : Incorrect Name : XXXX XXXX XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

Incorrect Social Security Number : XXXX This SSN is incorrect and is not an accurate SSN for me. Delete this SSN and any accounts associated with it for violating the FCRA. 

XXXX This SSN is incorrect and is not an accurate SSN for me. Delete this SSN and any accounts associated with it for violating the FCRA.
Product: Debt collection

Subject : Cease and Desist Collection Efforts Invalid Debt Due to Charge-Off Without 1099-C Filing Account Number : Client Name : American Express To Whom It May Concern, This letter serves as formal notice that I am disputing the validity of the debt your firm is attempting to collect on behalf of American Express. According to my records, this debt was previously marked as " charged off '' by American Express, and to date, I have not received a Form 1099-C ( Cancellation of Debt ), which is legally required under federal law when a creditor cancels a debt of {$600.00} or more. The absence of this form indicates that the creditor has not lawfully canceled the debt, yet your firm is now attempting to collect. Please be advised that under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I have rights that protect me from unfair, deceptive, and abusive collection practices, as well as inaccurate reporting of debts. Your attempt to collect on a debt that was charged off without a proper 1099-C filing violates both the FDCPA and the IRS requirements , as it creates confusion about the true status of the debt. Your firm may be facilitating deceptive practices, and I am prepared to pursue this matter in court if necessary. Further, this collection attempt violates IRS regulations under 26 U.S.C. 6050P, which requires creditors to file a 1099-C when they have discharged debt. The failure to file this form indicates that your client has either not followed through with the legal charge-off process or is attempting to maintain the collection rights despite not fulfilling their legal obligation to report the cancellation of debt to the IRS and to me. In light of these clear legal violations, I demand that you cease all collection efforts immediately. Additionally, any further attempts to collect on this debt without first correcting the reporting to both the IRS and my credit report will result in formal complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), my state attorney general, and any applicable bar association regarding your unethical collection tactics. I will also explore all available legal remedies, including a lawsuit for damages, legal fees, and other appropriate relief under both state and federal law. I expect written confirmation within 30 days that you have ceased all collection activities and that your client has either properly issued a 1099-C or will remove the charge-off from my credit report entirely. Failure to comply with these demands will be met with aggressive legal action on my part.
Product: Credit reporting or other personal consumer reports

I have reported to Experian in the past fraudulent personal information appearing on my credit report submitted all necessary documentation to them to update it to my correct address phone number email address yet it appears that it is not corrected and I can not access my online account. I have called them and spent over XXXX minutes on hold and was transferred to another department who would not transfer me to a person who could investigate this matter
Product: Debt collection

I just looked at a new updated copy of my credit report and noticed  Commonwealth Financial Services , Inc  XXXX  reporting a negative account. I contacted them today,  XX/XX/2017   , by phone and spoke to  XXXX   ID/Ext  #  XXXX , and asked why they were reporting on my account without me knowing any of this in writing or by phone before placing it on my credit report and also told him that I am disputing this alleged debt. I was just pre-approved on a loan and was told that this will harm my  credit score  and I will not be able to close until this matter is resolved. I demanded verification and can not wait by mail and want  Commonwealth Financial Services , Inc.  to upload any verification documents they might have here per the FDCPA and FCRA laws.  XXXX  also tried to have me pay just so this account goes away even though I told him several times that I did not owe this alleged debt and I am disputing it as it is not mine. I have no problem paying a debt that I really owe, especially in the current situation that I am in but I will not pay for something that is not mine. I demand this be verified with all the documents they claimed to allegedly have including my signature or remove this from my credit report immediately.
Product: Consumer Loan

I am a customer with Friendly Finance for almost 5 years now. I have gotten into a place where I have had to make arrangements with this company due to lost of job unexpected life event, I have always kept my agreement and have tried my best not let the company " GUESS '' my circumstance. I have made an arrangement with this company to pay {$400.00} a month {$33.00} more then my payment so that they will finally give me an extension on the account to cover the month I had gotten behind. So i have been making {$400.00} payments every month for the past 3 months and have 1 more month to go before they will give me the extension to bring me all the way current. But I have kept my agreement. On Monday he called me to verifie my arrangement to make payment on Saturday. HE TOLD ME WHAT MY ARRANGEMENT was ... ... I said yes and we hung up. 
He then procedes to call me 9-12 times a day leave multiple answering machine messages EVERY DAY and call my references EVERY DAY after we hung up. From bogus numbers as if they are in my town or a different state but when you try and call these numbers back their is no connection. I work during the daytime hours so no one has time to talk to someone every SINGLE DAY when i have already made arrangements and have a history of keeping my PROMISE. I called the company to request a Supervisor to complain they said they could n't let me speak to one at that moment but would have one return my call and no one has returned my call. This goes on month after month. When i am clearly making my payment each month as i have agreed. And to threaten Rep on my answering machine i just think is unfair and causes me a great deal of stress on something I feel I am doing and keeping my promise for. I just do n't understand why they are just aloud to do whatever. I fear my car will be gone every morning i wake up even though I am doing what they have asked me to do. I ca n't continue to go through this I wish I could just give the car back but you and I both no I can not do that when my livley hood depends on getting back and forth to work. Thank you so much for your time.
Product: Debt collection

I have made two attempts to have ATG Credit verify this debt which is a ( medical debt ) within a sixty day time frame. They have failed to do so with no compliance. This is a clear violation of Collection Practice. My first letter was sent to them on XX/XX/XXXX the second letter was sent on XX/XX/XXXX. It is now XX/XX/XXXX and I have not received verification of this debt not to mention, this collection is not HIPPA Compliant.
Product: Payday loan, title loan, personal loan, or advance loan

Opened this loan at {$1700.00}. Fees are up to {$2700.00}. This should not be added on and the credit bureau should only be reported once a month regardless of bureau updated. Integra randomly decided to update in less than a month at a time.
Product: Mortgage

Mr. Cooper loan # XXXX Property Address - XXXX XXXX XXXX, XXXX, Minnesota XXXX Mailed Payment in a check payment # XXXX in the amount of {$50000.00} on XX/XX/2023 - payment was for the balance of the mortgage at that time. 

Check was not documented received by Mr. Cooper until XX/XX/2023 - and then they lost the check Made over 50 attempts through phone calls, web site messaging and email attempting to have the check applied to the mortgage In late XXXX, spoke with employee XXXX - indicating and confirming check was in the possession of Mr. Cooper - yet the funds were not applied On XX/XX/2023 - we received the check returned to us - mailed XXXX XXXX - Mr. Cooper stating check not certified - after approximately 75 days while they had the check in their possession Issued a new check last week for 89 % of the value of the mortgage - Mr. Cooper has confirmed receipt of new check - yet they still refuse to apply the check balance to the loan Currently receiving collections calls from Mr. Cooper - in addition to being charged late fees and accruing interest Attempted many times to resolve the additional fees - only to be told responses will come with in 5 business days - additional responses indicate they still haven't made a decision on the mortgage and will require additional 5 days - Hold times are in excess of 1hr - supervisors fail to return calls, messages go unanswered Will be filing a suit in small claims if this is not resolved in the next 48 hours
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and you are to remove and block the information identified as identity theft in the attached document.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found errors on my credit report. I submitted a dispute on XX/XX/2020 it has been well over 60 days. I have not received anything from TransUnion regarding my dispute. They are required by law to address a dispute from a consumer in a timely manner.
Product: Checking or savings account

Dear CFPB official : I am writing to formally express my deep dissatisfaction and concern regarding significant issues with my Marcus account ( Marcus by Goldman Sachs ). 

Background : I deposited over {$20000.00} into my Marcus account. 
When attempting to transfer these funds back to my original savings account, I received an error message stating that such a transfer is not permitted. 
Despite multiple attempts, the transfer failed and subsequently my account was locked without prior notice. 
Issues Encountered : Verification Code Failure : When I contacted customer service, I was informed that a one-time verification code was required. However, after providing three different phone numbers ( all of which reliably receive other verification codes ), I was told that the code could not be sent to any of them. 
Account Closure & Refund Denial : Upon requesting the immediate closure of my account and a full refund of my deposit, I was informed that this was not possible. Instead, I was asked to fill out a paper form and mail it in for a lengthy review process. 
Discriminatory Concerns : I am extremely troubled by these practices and suspect that my limited English proficiencyand possibly racial factorsmay have influenced the treatment I received. I am unaware of any internal notes or justifications that have been placed on my account. 

Thank you for your immediate attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have loan with MB FIN SERVICES. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report. I have read enough to understand my rights. The 3 Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please fix the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 

MB FIN SVCS XXXXXXXX Date Opened : XXXX Balance : {$21000.00}
Product: Checking or savings account

On XX/XX/22 Chase bank allowed three unauthorized overseas wire transfers totaling {$1000.00}. They had to investigate that I did not steal my own money. They have determined that I in fact did not steal the money but they are not returning it to me. My son was also hit with wire fraud on the same day. His money was returned on XXXX/XXXX/22. I can get zero help from Chase when I call.
Product: Mortgage

I originally sought a modification of my mortgage due to a drastic reduction of income XX/XX/XXXX. I fell behind in my mortgage XX/XX/XXXX and immediately began the modification process. The process has been comlicated by repeated errors of IndyMac and repeated requests for documentation which has previously been submitted. Moreover, once the Federal Government required the assignment of a single point of contact. IndyMacXXXX/ repeatedly changed the contact person. I have submitted in excess of fifteen modification applications with all supporting documentation.  Each time the servicer of the loan makes a generic determination that a document is stale or incomplete without providing specific information on the alleged error or missing information.  Later I found that your agency, CFPB closed my complaint despite repeated requests that it remain open when the servicer provided another boilerplate and non-responsive reply.
Product: Checking or savings account

XXXX or XX/XX/2022, a check from my bank, XXXX XXXX XXXX was stolen from the post office in XXXX XXXX XXXX XXXX, forged, and then presented to a Bank of America branch for deposit or was cashed. This individual has an account with BofA as it was presented to them for funds. The forged/stolen check was then presented to XXXX XXXX clearing and the funds were removed from my checking account. I filed a fraudulent claim with XXXX XXXX XX/XX/2022. XXXX case # XXXX. It has already been determined that I was not in the chain of error and that XXXX is attempting to retrieve funds from Bank of America. The branch where the check was presented " is not available '' nor will not be identified to me or the sheriff who is working on this case. ( XXXX XXXX Sheriff # XXXX, Detective XXXX XXXX XXXX not contact the branch or review video as the BOFA branch will not identify. ) When I attempt to follow up with XXXX XXXX, they tell me that they are waiting to hear from Bank of America. they will not release a contact number to me for BofA and I can not get through on the customer service line as my account is not with BofA. BofA has my funds and I have been made to approximately 4 months for the return of my funds. I was not in the chain of error in this transaction, yet my family has been made do undergo hardship while the 2 banks " XXXX it out ''. XXXX XXXX tells me that they are waiting on BofA to return the money and BofA is not responding. This should not be my problem here. The check should have never cleared the account when it was presented to BofA and if should have not cleared my account. I understand the two institutions need do do their due diligence, yet I should not be made to suffer while they work it out. My family is out over {$4000.00} and we are being passed back an fourth like a hot potato. Please help me understand why my funds were not swiftly returned to me and XXXX XXXX as well as Bank of America made to bear the burden of their error.
Product: Mortgage

Dear CFPB, My fixed 30 year mortgage with VHDA when up from approximately {$2300.00} to approximately {$2400.00}. VHDA and XXXX XXXX reported to me that my mortgage was a 30yr fixed mortgage when I bought my new townhouse. Now I have been told by VHDA that my HUD insurance when up. VHDA told me to call HUD for further explanation. I called HUD FHA Resource Center and they referred me to CFPB to file a complaint to VHDA. I hope you can investigate my case ( FHA Case Number XXXX ) at your earliest convenience. I appreciate your assistance. 

Best, XXXX XXXX
Product: Credit reporting or other personal consumer reports

My ex husband had my drivers license. There's 3 cards on my account 5hat don't belong to me. Obviously the cards thst do you see we pay on time every single month. These 3 cards one is XXXX XXXX XXXX XXXX XXXX  And I'm not sure they other one it started with an f. I don't remember the name. Look. They have gotten a xar even a house in my name his girlfriend looked a lot like me I can't seem to do anything but suffer the credit or pay thier bill. I'm not paying thier bills anymore.
Product: Credit card

I applied for a CITI card that was advertising 0 % rate on purchases and transfers for XXXX  months to complete a purchase of approximately of {$5900.00}. After receiving the card and completing the purchase I set the account on autopay, expecting to rely on the 0 % promotion. The card was being paid automatically and I assumed all was well. When i noticed that my minimum payments were increasing, I went to look at my statements only to discover that I was being charged interest on all purchases from day of opening. In total this has led to a total interest charge of {$470.00} thus far. I called CITI customer services to ask about this issue and was told that there was no such offer on my account, there only was an offer for balance transfers. I know I specifically selected an account that had a purchase promo offer, but I somehow ended up with XXXX that doesn't. My goal is to pay the account off and recoup the interest charged. I am seeking any resolution or assistance you can provide.
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV. XXXX Re : Acct # XXXX To Whom It May Concern : This letter is regarding the above-mentioned account, which you claim {$93.00} charge-off. This is a formal notice that your claim is disputed. 
Please note that I am requesting validation ; that is competent evidence, showing that I have ( or ever had ) some contractual obligation to pay you. Please provide the record that reflects the process by which my signature was generated/executed. 
Any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA/FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 
My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last 4 : XXXX P.S. If needed, I will also provide a copy of this letter to the organizations below : Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

and your account.

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate cures
Product: Credit reporting or other personal consumer reports

I've been a victim of identity theft. My information was exposed to the public in the Equifax data breach and I noticed a lot of unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances of getting a mortgage and has caused a lot of financial harm to me. I need these fraudulent inquiry accounts removed ASAP.