23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I work in the XXXX XXXX, and I received a deceptive mailer from Arcus Lending ( now doing business as XXXX, NMLS # XXXX ). The mailer is obviously intended to trick the receiver into thinking it's a past-due bill. It has the name of my existing VA mortgage lender ( XXXX ), and it contains language like : FINAL NOTICE, IMMEDIATE RESPONSE REQUESTED, and TO THE ORDER OF : XXXX XXXX. When you open the mailer, the ( extra small ) fine print indicates it's from Arcus Lending, but there's a big bold 1-800 number along with a " Notice Number. '' This is obviously intentional ... They are trying to trick the receiver into not reading the fine print, but just calling the number. So, I did call the number and played XXXX, and asked the guy if this is a bill from XXXX. He reads what sounds like a pre-scripted response to tell me it's not a bill, and he's not with XXXX, and I've qualified for their XXXX  program. I ask him who he's with if not XXXX, and his exact words are, " Im with the Texas VA Mortgage Program. '' I ask again, and he again tells me he's with the " Texas VA Mortgage Program. '' At no time did he identify that he was with Arcus Lending or XXXX. I believe these are intentional deceptive business practices that are likely created to trick elderly veterans into contacting the company, so they can be given a high-pressure sales pitch to refinance their homes. Even the language on the phone seemed design to confuse the person into not knowing this was just a solicitation call to refinance a home with a different mortgage lender. I have shown the mailer to multiple colleagues in finance ( including at XXXX ), and they all agree that these appear to be blatantly deceptive business practices.
Product: Checking or savings account

Hello, I had a business bank account under my company 's name, XXXX XXXX XXXX, with a financial technology company named Relay Financial, they were providing banking services by their partner bank at that time " XXXX XXXX XXXX XXXX '', things were working good for about 3 months, then I wake up one day, precisely XX/XX/2022, I receive a message that they closed my account for an unknown reason as per them and they said they can't provide details, I asked them if there are any legal contracts or invoices needed, they ignored me, then they said they will send me a disbursement for my funds the full remaining amount of {$37000.00} within 10 days, then they changed their word and said 60 days, then I called them and they said that they are trying to get the money from their partner bank but they still can't, I called XXXX XXXX XXXX XXXXXXXX and they said that the money is being held with Relay Financial and I believe XXXX XXXX XXXX XXXXXXXX, cause I saw many cases for many Financial technology services companies sending disbursements for people while their partner bank was XXXXXXXX XXXX XXXX XXXXXXXX, 120 days passed, I keep calling Relay Financial and they never reply, they never reply emails, calls or anything, a lot of people on trusted websites like XXXX are suffering from the same problem and they never reply anybody, kindly help me to get my money back cause this is called nothing but FRAUD & SCAM! 

I have all proofs on emails documented if any screenshots needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a mortgage company pull my credit report. XXXX reports I owe XXXX dollars for my next payment. the balance is reported as being XXXX dollars. The statement reflects that I have a XXXX dollar credit limit, and XXXX dollars available.
Product: Credit reporting or other personal consumer reports

I have requested on several occasions for proof of original contract to provide me documentation of proof of ownership which has never been provided this is a clear violation of my consumer rights under usc 1681 & 1666 I never received via ceritfied mail notice of the debt before it was ever placed on my consumer report the account from XXXX XXXX account # XXXX balance showing XXXX and closed on XXXX I demand that this information be immediately removed from all of my consumer reports this company has previous recorded violations for breaking the fcra consumer laws about proper notice
Product: Credit reporting or other personal consumer reports

I want to file a FTC report my information was exposed in the data breach
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score Creditor Name ( World Finance Corparation ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I have an inquiry on my credit XX/XX/2023 that I did not authorize. I've submitted a letter to all credit bureaus and the company requesting proof of this inquiry so I could file a formal police report and still have not received anything.
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 actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

( 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 redress for these violations.
Product: Debt collection

On  XXXX   XXXX   XXXX  was notified that i was closing my accou nt of 10 yr s. and switching over to  XXXX  for a much lower price. On  XXXX   XXXX  I called  XXXX  to get the balance owed on my account.My bill was always due on the  XXXX  of the month so I called a few days early. The agent gave me a final bill of  XXXX  with a confirmation number of  XXXX  and I paid it over the phone.It was deducted from my checking account. About a month later I received a bill saying I owed  XXXX . I immediately called  XXXX  and told the agent I already paid t he balance.She sai d because I kept my same phone number, I owed the money, I told her she made no sense, everyone is allowed to keep there same number., A month later i received another bill for the same amount. I called again and got a different reason why I owed the money, that because I paid the bill on the  XXXX  of  XXXX  I still owed the last few wee ks of  XXXX .I t old them they made no sense.I wrote to their main office in Ohio explaining what was happening, and that I didn '' t owe  the money.Yesterday I  received a bill from a collection agency ca lled Convergent.I do not want my credit marred by this. I have worked hard to keep my credit good. I would appreciate whatever you can do to resolve this matter.
Product: Credit reporting or other personal consumer reports

I have sent numerous disputes and request for the reporting of these accounts to be proven and removed from my XXXX, XXXX, and Experian credit reporting bureaus. I have yet to receive any updates or letters validating these accounts or balances. It has been more than a year that I have requested this information be removed from all XXXX of the above mentioned credit bureaus. I need help getting the debt collection agencies listed below to comply with the consumer reporting laws and hope that you can help me. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have disputed the account of LVNV FOUNDING MANY TIME on XXXX and XXXX to provide me the original contract signed as requested no answer please remove this account from my credit report immediately thank you
Product: Consumer Loan

I was contacted on XXXX XXXX 2015 from a rep for bank of the west about my father being late on his car loan..my father is in XXXX vet and his vehicle is a XXXX for his needs. He had auto pay with this bank and someone stopped the auto pay so his payments have n't been made I have power of ATTRONEY on my fathers behalf and they refuse to knowledge it. XXXX XXXX and I had a verbal agreement on that I will make a payment on the XXXX of the month. As of XXXX XXXX 2015 at XXXX the van was repo. I did do the calculation onpayments and they are saying XXXX is behind when its behind XXXX for XXXX months and they refuse to show me a bank statement report on my account. They refused payment which I know is against the law and breaking a breach of contract correct.? I did file a complaint with local police and ATTRONEY did file a cease and dismiss claim XXXX weeks ago for hardship for of finances and they were served with the it. Since they violated the law I 'm I able to get my vehicle back and payment for this. MY fathers health due to all this harrsement has put a toll on him FOR the worst the bank took his independence away and wo n't take blame on their wrong doing and not working with us but against us. They put a hold on my fathers account holding funds so my father will lose everything.
Product: Mortgage

I filed a complaint in XX/XX/XXXX and it was marked complete. The company did not provide information from XXXX of the notification. Mr Cooper failed to pay my insurance in XXXX. Paid the wrong insurance company despite the notification of change in XXXX and failed to notify me of the rejection of renewal ( there wasn't one ) and return of the payment and it caused a lapse in coverage. They don't want to take responsibility for the mistake at all. I'm paying the price now. 

Mr Cooper was given the new insurance in XX/XX/XXXX. Where are the letters from XXXX? They haven't provided any to date and I have requested them. Mr Cooper never informed me that they didn't pay my insurance in XXXX of XXXX. In fact they paid the wrong company and never informed me after the payment was sent back in XXXX. Yes XXXX letters were sent out AFTER I contacted Mr Cooper for again sending the payment to a company that i had in XXXX. I contacted Mr Cooper for non-renewal. Mr Cooper caused the lapse in coverage and the insurance premium increase. I am requesting to see the XXXX notices of coverage rejection and renewal notices from XXXX not XXXX. This could have and should have been avoided had they informed me that the insurance wasn't acceptable and wasn't paid or had they given me proper notification after i sent the new insurance company to them. The old insurance notified them in XXXX XXXXXXXXand they notified Mr Cooper via a letter yet the disbursement went out anyway. Mr Cooper claimed they never got the letter so i had the company resend it. Mr Cooper got the returned payment and didn't ask any questions, they hust applied it to escrow or cut a check to me. I made extra payments and because there was no explanation on insurance i thought it was the overpayment they were returning. Mr Cooper isn't taking responsibility there either. 

Another letter was sent to Mr Cooper ( XXXX ) notifying them that they were no longer the insurance company. Mr Cooper did nothing in XXXX and they have the option to do nothing about the lapse. It's their mistake too. XXXX is gone why am I paying for their mistakes? XXXX is alot for ne to pay for someone else 's mistake and failure. The same company i have now isvthe sane company they were given in XXXX and failed to process it or notify me of any problems. Can I please see letters from XXXX of the non-renewal and returned funds from XXXX and notification to me in XXXX of no coverage. The call log would be nice too because I called them several times in XXXX and they never said anything about the new company being a problem and they still sent a payment to the old company after I notified them of the new company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously dispute these fraudulent account on my credit report with out my knowledege and the credit bureaus only removed 1 account and update the rest. None of these accounts on my credit report transaction are done by myself. I am asking that these accounts to be remove immediately. I do not understand how TransUnion, XXXX  and XXXX  reporting fraudulent accounts. I have never done business with such companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a complaint due to a request submitted to Transunion to verify late payments on the following account : XXXX XXXX. Due to not receiving a response, I submitted a complaint. To date, I have not received any verification documents to prove that this account was ever late! Transunion instead closed the case stating that I would receive documents in the mail verifying the account was late ( which I never received ) and they also put in the case about verification of personal information which had nothing to do with the case submitted. I submitted my photo ID + proof of address as always. 


Late payments in question : XX/XX/XXXX, XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

1 ) Funds debited to my account without my authorization, and against my specific request ( revoked authorization in XXXX, XXXX ) 2 ) Filed formal complaint with CFPB on XX/XX/XXXX 3 ) Liberty Loans response to complaint is : " that it does not belong to them ''. Reference CFPB complaint number XXXX. 

XXXX ) attached documents here in indisputedly shows that Liberty Loans is the party in question and is the responsible entity. 

XXXX ) Liberty Loans is a predatory lender and work for deceptive practices, even as indicated here in denying responsibility or knowledge of any loan.
Product: Credit card

I was notified on XX/XX/XXXX of an account requesting address change, which I did not make. Account was with BB & T/Truist Bank XXXX I previously banked with this bank but closed my only account with them in XX/XX/2023 and no longer was a customer so I knew this was not my account. I went to the local branch and noticed them. The employee notified me that someone opened an account in Pennsylvania, where I have never lived. They also were approved for a credit card from that bank at the same time. I thought this would have prevented the imposter from being able to use the card but I recently, two days ago, saw on my XXXX XXXX that there was a new card from Truist bank and it was already at 100 % usage and this person has already essentially maxed out the credit card. I went back to the local branch today and another employee called the fraud dept of the bank and we talked with that person for over an hour. I had to leave to get my children from school and couldn't stay but she was placed on hold for 45 minutes so I need to be sure that this person does not attempt to impersonate me anymore. Their bank account needs to be closed, as well as this credit card and I need to be sure they no are not permitted to open any other accounts or use my identity for any other nefarious activities. I'm concerned they have my social security number and I need to be protected.
Product: Credit card

Someone hacked into my XXXX account and made several purchases against a credit card I had on file with XXXX. The card was with First Natonal Bank of Omaha. I called the credit card company and reported the charges that was showing on my statement that I or my wife did not purchase with XXXX. The card company denied my claim because they said there was no proof that we did not make the purchases. I called XXXX and they had no record of me making these purchases. Ther was quite a few in XX/XX/2024. The only recent purchase that we made with XXXX was for 2 water filter for my refrigerator. I have several other credit cards and this has happened in the past and they just went ahead and credited me with very few questions. I did received a confirmation that a package was delivered with a picture from XXXX, but it was not my house and it was delivered to Georgia. I live in Virginia. I closed out both of our XXXX accounts and the credit card company issued me new credit cards. Now I am stuck with these charges and I can not prove to my credit card company I did not order these items. What can I do at this point?
Product: Mortgage

During the National Disaster of the Coronavirus outbreak, I suffered great financial hardship. I immediately contacted Chase and they assured me I would be put on a deferment program. 
When it was time to begin my payments, i was informed that it was a forbearance, my underwriter ( USDA ) changed their minds and i was to come up with {$17000.00}. 
I have tried applying for funding through XXXX for the coronavirus grants for help, uet the XXXX of Michigan hasn't released the funding. I have been on a waiting lists for about 5 months now. I have contacted my XXXX XXXX and XXXX with no avail. 
I have been pleading for help, even got scammed by a person pretending to be Chase. 

I have tried everything and the USDA will not help with the deferred payments. 
I was not responsible for the Pandemic. This was a national disaster for which no one saw coming, and the federal government has allotted monies to help the people of the state of Michigan. 

I will lose my home. 
I beg for help I dont feel the banks and underwriters are using the funding available to the people correctly nor trying to help XXXX XXXX XXXX
Product: Credit reporting

Transunion, XXXX and XXXX reporting for Acct Number : XXXX : On XXXX, Acct # XXXX is being reported with missing Date of Last Activity, missing High Credit and Date of Payment shows XX/XX/2012 ; However on Transunion it is reporting Date of Last Payment as XX/XX/2012, and on XXXX, Date of Last Payment is missing, High Credit and several account terms are missing. 
On a few separate occasions I have disputed with all XXXX credit bureaus XXXX, Transunion, and XXXX pertaining to Acct # XXXX and each time it has been 'verified ' by XXXX XXXX XXXX . I have included the excerpts of my credit reports showing how these accounts are reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The credit bureaus reported back to after my initial complaint back in XX/XX/2023 that my account was properly investigated and reported accurate, which is impossible because as of my most recent credit report XXXX XXXX account # XXXX The Amount that I owe is report inaccurately The Date opened are all reported inaccurately by TransUnion XXXX XXXX XXXX & XXXX XXXX 
The No. of months ( terms ) are reported inaccurately by TransUnion, XXXX, & XXXX. 
The High Credit is reported inaccurately by TransUnion, XXXX, & XXXX. 
The Last reported is reported inaccurately by TransUnion, XXXX, & XXXX. 
The Date last active is reported inaccurately by TransUnion, XXXX, & XXXX. 
The Date of last payment is reported inaccurately by TransUnion, XXXX, & XXXX. 
XXXX reported OK on time payments from XXXX XXXX XXXX but XXXX reported XXXX XXXX XXXX for Charge-off from XXXX XXXX XXXX. 

I reported this to TransUnion, XXXX, and XXXX in XXXX XXXX XXXX  about the violation of 15 U.S.C 1681 section 602 ( A ), 15 U.S.C 1681 Section 604 ( A ) Section 2.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies : ( E ) if an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified after any reinvestigation under paragraph ( 1 ), for purposes of reporting to a consumer reporting agency only, as appropriate, based on the results of the reinvestigation promptly ( ii ) delete that item of information. 

Ive already contacted XXXX XXXX  multiple times and they told me to contact the credit bureau as it is the credit bureau that has violated my rights as a consumer, these inaccurate reports did nothing but hurt me financially with my credit score and the business I have going on, I tried to rectify the issue over 90 days ago to have the information corrected and nothing was corrected but my address and a few other miscellaneous things on the report but nothing from this XXXX  issue and over 90 days is unacceptable this is grounds for a lawsuit against the credit bureau Im making last effort to request the credit bureau now remove the account associated with my name as I have contacted to XXXX XXXX and they said if the account is going to be removed it has to be done by the credit bureau because my credit report accuracy issue is with the credit bureau.
Product: Credit reporting or other personal consumer reports

PERSONAL STATEMENT CFPB I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : ACCOUNTS : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXI XX/XX/XXXX XXXX XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Experian has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you