23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I applied for a loan with FBC Mortgage , LLC as the preferred lender for XXXX XXXX. My contract with XXXX XXXX has a contingency clause regarding financing since they do not do contingency based on the sale of my current home. My loan is conditionally approved with a substantial down payment of almost 80K which is to come from the proceeds of selling my current home. I was never approved or qualified for the full purchase price of the new home. I have not found a buyer for my house and XXXX XXXX stated that per the conditions and terms of my contract, I have to close on this home this month. I requested a letter from XXXX XXXX with FBC Mortgage stating that I can not close due to financing and the lack of the down payment required as a condition of my loan. He has refused to give this to me and stated I needed to work it out with XXXX XXXX. Now I am being told that since I have a conditional approval, this voids the financing contingency. I have a {$5000.00} deposit that I want returned. XXXX XXXX did not put this money in an Escrow account and I was strongly discouraged from doing this because " they never keep anyone 's deposit ''. I feel like there is collusion between the builder and the FBC Mortgage and the lender is not acting in my best interest. They have encouraged me to rent my house, get someone to sign as co-borrower, etc. This is encouraging high risk financing & I feel like in light of the mortgage collapse back in 2008, this should not be done. I am being bullied by the mortgage company and the builder to continue this contract. I just want to invoke my cancellation due to financing ; however, FBC is partially owned by XXXX XXXX  so I am not able to get this documentation. I feel other consumers should be warned about the unfair practices of this mortgage company and builder. I would never have signed a contract with a company that would use a conditional approval as a means to keep my deposit.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C 1681 section 602 A and 602 B. States I have the right to privacy and accuracy within my credit report. 

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

On XX/XX/2022, I sent letters to XXXX, Equifax, and XXXX about inaccurate information that was in my credit report and as of today XX/XX/2022, inaccurate information is still in my credit report including my year of birth, spelling of my name, and former addresses, along with the information from this XXXXXXXX XXXX XXXX  company.
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 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 solution requirements under the 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 this creditor has violated my rights under 15 USC 1681 SECTION 602 STATES THAT I HAVE THE RIGHT TO PRIVACY!! 15 USC 1681 Section 604 a section 2 it also states that a consumer reporting agency can not furnish an account without my express written consent ; under 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 any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter last XX/XX/XXXX, to remove the following items listed below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous request & I am including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$22000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$410.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

In XXXX this account was reported to my credit in the amount of {$530.00}. It was charged off and placed back on my report in XXXX. They have now posted that the date placed for collection was XX/XX/XXXX which isn't true due to this information being falsely reported because no debt is owed, which is the reason it was charged off once before. They've updated my credit report XX/XX/XXXX without notifying me of any changes made what so ever. On my report it states that this debt is estimated to be removed XX/XX/XXXX which continue to update and change whenever the company feel the need to do so.
Product: Vehicle loan or lease

Paid off a loan for a travel trailer XX/XX/2022. US Bank has still failed to release the lien and I am unable to get a clear title.
Product: Debt collection

On XX/XX/2021, I received a billing statement from Frost-Arnett Company stating I owed a debt. On XX/XX/2021 I mailed a debt validation letter to Frost-Arnett asking for the original contract, creditor, alleged account number. On XX/XX/2021 I received a letter from Frost-Arnett stating they had received the debt validation letter, but instead of presenting the original contract, they instead sent medical bills. On XX/XX/2021 I mailed Frost-Arnett yet a second letter asking for the original contract, original creditor, and alleged original account number. At this time I have not heard from them. On XX/XX/2021 I mailed Frost-Arnett a Cease and Desist letter, along with a copy of the letter with the violations listed/highlighted, and an invoice for the violations.
Product: Student loan

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I borrowed money through Nelnet, and they expect me to repay {$3500.00} after I graduate. Last semester, I took a break, but I resumed classes this semester, which started on XX/XX/XXXX, for the fall 2023 semester. Nelnet began sending me bills for my loan. I tried calling them to explain that I haven't graduated yet, so I shouldn't have to start making payments. Unfortunately, no matter how many times I call or how long I wait on hold, I can't reach anyone. I've been trying to resolve this issue by calling them for several days now.
Product: Mortgage

On XXXX XXXX, XXXX I purchased a home at XXXX XXXX XXXX XXXX XXXX, XXXX, Texas XXXX. XXXX XXXX XXXX XXXX was the mortgage holder. 

In XXXX of XXXX XXXX XXXX XXXX XXXX transferred the mortgage to XXXX XXXX XXXX XXXX  XXXX, On XX/XX/XXXX XXXXXXXX XXXX transferred the mortgage to XXXX. 

On XX/XX/XXXX I received a letter from loanDepot.com, LLC informing me of a XXXX XXXX in which " sensitive personal information '' i.e. " name, address, financial account numbers, social security number, phone number and date of birth '' may have been impacted by the " data security incident '' experienced by loanDepot. 

At no time have I ever had any kind of business transaction with loanDepot and I would like to have someone explain to me how and why my personal mortgage information ended up in their files. Surely such data transference without my permission or knowledge is illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

When XXXX investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$24000.00}, XXXX  XXXX Balance : {$22000.00}
Product: Credit reporting or other personal consumer reports

Hello and good day, I am very frustrated and you have no idea how bad it is, Im an honest man working my way off honestly, then I look at my credit report all I see are false, incorrect and inaccurate information being reported under my name. As a consumer I know I have rights and protections but that seems to be a lie and I want to uphold that right under the law as long as I can even though it is already impacting my life and credit negatively and I need your help to set things right, sick and tired of living paycheck to paycheck with my credit applications being denied because of these errors.
Product: Debt collection

I received a letter on XX/XX/21 from American Coradius International LLC saying that I owe {$1300.00} on my XXXX account. It states that unless I notify them in writing within 30 days disputing the validity of the debt, they will assume the debt is valid. The letter states that they would accept {$990.00} as a partial payment by XX/XX/21. American Coradius International LLC is requesting that I make the payment directly to them ( instead of to XXXX ). 

I contacted XXXX and they confirmed that I have {$0.00} debit with them and have always had {$0.00} debt with them. They suggested I disregard the letter and not provide any information to American Coradius International LLC, as they believe it is fraud. 

I believe the letter I received from American Coradius International LLC to be fraud/scam or a case of identity theft and do not plan to contact them.
Product: Checking or savings account

After the account was frozen, the balance is XXXX the money also was stolen. 
The reason why the bank refused to pay compensation was that the equipment I transferred was the same as the usual equipment, but the money was not transferred by me, and the account was frozen, so I could not transfer it myself. 
I asked if the investigation was wrong. The staff said that it was necessary to prove that the mobile phone had a virus! 
There is also a savings account, where money is stolen back and forth
Product: Credit reporting, credit repair services, or other personal consumer reports

The dispute is against the 3 credit bureaus ( XXXX, XXXX, and Transunion ) for violating the FCRA several different times. I sent disputes about this inaccurate and unverified information via certified mail to all 3 bureaus as far back as XX/XX/XXXX and as recent as XX/XX/XXXX. According to the FCRA 623 ( 3 ) - they must notate that there has been a dispute when one has taken place ( they failed to do so several times ) and the items need to be deleted. According to FCRA 623 ( 9 ) ( b ) ( E ) - if information disputed by the consumer is inaccurate, incomplete, or can not be verified.. ( ii ) delete that item of information. According to FCRA 611 ( 6 ) ( iii ) - they must disclose the description of the procedure used to determine the accuracy of such investigation, they failed to do so several times after I requested. All of the closed accounts showing on my report have a past due amount, which is by sheer definition is inaccurate. Those same companies are also reporting negative information to my account each month in the form of late payments when these accounts are closed ( more inaccurate info ). They say the accounts are " updated and verified '' but I am not sure how because the information is not accurate. They show no type of proof they did an investigation at all. I am hoping I can depend on the CFPB to be the watchdog on the bureaus and get them to follow the law.
Product: Credit reporting or other personal consumer reports

I would like an investigation conducted to ensure everything is accurate. XXXX XXXX XXXX Account XXXX XXXX - This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, last active date, and last two year history is not accurate. Delete account immediately for violation of 15 USC 1681e ( b ). also 15 USC 1681i paragraph ( 5 ) 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. 15 USC 1681s2 responsibilities of furnishers of information to consumer reporting agencies ( a ) duty of furnishers to provide accurate information. This account violates my rights and the law.
Product: Credit reporting or other personal consumer reports

Please verify your claim under pains and penalties that this is a true debt and not a collection scheme per the F.D.C.P.A at 15 U.S.C. 1692 e.g. Please send me a certified copy of your license to collect in the XXXX XXXX XXXX. If you purchased this as a debt collections device to make money as a debt collector, thank for paying off the bill. You have 10 days to respond with a statement of account with a XXXX balance and remove any and all unlawful on my credit report. Failure to respond in 10 business days is acceptance and your failure to cure your dishonor will receive my NOTICE AND DEMAND for XXXX in damages for violations to include : Fraud, Extortion, Denial of Right to Happiness, Dishonor in Commerce, Collusion, Racketeering, Conspiracy, Intimidation, Defamation, TILA violations, FDCPA violation. 



In accordance with the UCC laws, all Commercial Transactions must be recorded with the Secretary Of State. 

Also According to the UCC XXXX search, I the Consumer do not have any Liens/Debt in my name.
Product: Credit reporting or other personal consumer reports

The other day I was looking at my credit report and was shocked to find a number of errors being incorrectly and verifiably reported on my credit. This lack of diligence by the bureaus is incredibly wrong and frustrating and is causing a lot of stress in my day to day life due to the bureaus reporting misinformation without verifying it and without getting my authorization to do so.
Product: Credit reporting

While on XXXX browsing my transunion credit report my account was temporarily suspended and I was unable to print or dispute any information. I called the number listed on the error page and was told Transunion does not give tech support to freeannualcreditreport.com and was told I would need to purchase my credit report. Transunion violated my legal right to a free report and is forcing me to pay for it, something the other credit reporting agencies did not do.
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor is attempting to collect on an alleged debt that has past the debt statute of libation for residents of NY which is three years. I have attempted to request validation as per USC 15 1692g and notice of expired debt was sent but this creditor refused to cooperate with any of my requests. This creditor continues to violate my rights as a consumer and needs to take responsibility for their actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX charged off my account when payment was made prior to 120 days charge off.
I submitted bank statements and proof of payments to sho accounts SHOULD NOT HAVE BEEN charged off.
Product: Debt collection

First and foremost, I am a victim of identity of theft. There have been a multitude of accounts with various companies opened in my name and none of them were opened by me. When I received a letter from a company called XXXX XXXX XXXX XXXX in XXXX of this year stating that I had an outstanding balance of {$1600.00} owed for a XXXX account, I immediately contacted them to inform them that I was a victim of identity theft and that this account was not opened by myself and I was completely unaware of this bill. I have had XXXX since XX/XX/XXXX personally but I 've always paid my bill and never gone to collections. When I spoke to them I was informed there was an account opened XX/XX/XXXX and there were XXXX IPhones purchased. There was also a person with the name of XXXX XXXX that was an authorized person on this bill. If I were going to purchase a phone for someone I would 've added them to my bill rather than open a new account. It makes no since. When I informed them of the identity theft, I was told that they were going to do an investigation and get back with me on the outcome. Instead, XXXX is reporting on my credit report as of XX/XX/XXXX with an outstanding balance as well as they have sold the debt to a 3rd party as of XX/XX/XXXX according to the correspondence I received in the mail this week. I am not responsible for this debt. I have fraud alerts on my credit and I 've filed police reports and signed and notarized affidavits. This is rediculous that XXXX has reported the account without warning as I am in the process of purchasing a house and not only have they reported it, but they 've also sold it now to a collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX account # XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Re : Disputing error [ s ] on credit report Dear [ XXXX ], I am writing to request a correction of the following information that appears on my [ XXXX, XXXX, XXXX ] consumer report : o Im the victim of identity theft and I dont recognize one or more of the accounts on my report. [ You may wish to include a copy of the FTC identity theft affidavit describing the identity theft.

Thank you for your assistance. 

Sincerely, XXXX XXXX
Product: Debt collection

Opened account XXXX XXXX XXXX XXXX # XXXX On XX/XX/XXXX with credit limit of {$300.00} On XX/XX/XXXX LVNV FUNDINGS acquired my debt by collection without my permission or knowledge for the amount of {$670.00} I am requesting in accordance with 15 usc 1681 challenge questionable information that you investigate the source of these accounts and ascertain the creditor, had a permissible purpose, and is able to verify my complete file information, including full name, address, date of birth and SSN #
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Checking or savings account

I was charged multiple different times today, XX/XX/XXXX for a company called XXXX XXXX  the transactions total of {$540.00}. No idea who these charges are or what this company is. This is the second time this has happened with Venmo
Product: Credit reporting, credit repair services, or other personal consumer reports

These items do not belong to me. 
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 PROCOLLECT INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 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 actiogs, have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

For months, i have been asking EXPERIAN & XXXX  to comply with my disputes. Both companies are reporting a bankruptcy on my credit report. Both Companies have said they verified their information from XXXX XXXX. However not only is it an FCRA violation to seek information from third parties companies, XXXX XXXX has already sent a letter to me saying this information was UNVERIABLE and is NO LONGER in their system. However BOTH companies are still saying they verified the information from XXXX XXXX. 

furthermore, its been months of the same thing, and i have had no choice but to hire an attorney to initiate a law suit against the non complying company.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 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 XXXXXXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.