23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I reached out to my current lender, Freedom Mortgage, back on XX/XX/2022, in regards to refinancing my loan. Since then, I've been in steadily contact, signed all the requested documents they've provided, and submitted all the necessary paperwork I needed to submit since then. 

I have emails and documentation of everything. And yet, as of today, XX/XX/2022 ( more than THREE MONTHS ), my refinancing has not been finalized. 

A loan refinancing with your current lender should NOT take this long to process!!
Product: Credit reporting or other personal consumer reports

This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required un

der 15 USC 1692g ( Section 809 ( b ) ). Continuing communication after a cer
tified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

I demand that the following items be deleted immediately from my credit report :
Product: Mortgage

I filed a prior complaint with you and for some reason you out the complaint in my husbands name. We are both on the loan. Bayview advises they made a mistake and said they sent notice to the credit bureaus and it would be corrected. However Bayview is still calling me. I have written down and logged 12 calls advising me that we are late on our payments and owe {$190.00} from XXXX XXXX. However when I call they tell me my payments are current. Clearly they have not credited my account the payments they have received. What is happening with the interest on this account? Why cant they just update their system of the Loan modification they approved. I can not get a car loan because their mistake damaged my credit until it is updated. As stated earlier I want them to update their records and stop calling and telling me Im late when Im not.
Product: Credit reporting or other personal consumer reports

I am writing to formally express my serious concern regarding the disputed accounts on my credit report. I have raised the issue of inaccuracies in these accounts multiple times and have consistently requested that they be thoroughly investigated. Despite my continued efforts, I have yet to receive any resolution or corrective action.

The presence of these erroneous accounts on my credit report is causing severe damage to my credit profile, negatively impacting my financial health, and significantly affecting my ability to lead a normal life. These inaccuracies have resulted in undue hardship, and I am left with no choice but to once again request your assistance in rectifying this matter as a priority.

I kindly request that you conduct a detailed investigation into each of the disputed accounts listed on my credit report and take the necessary steps to update and correct the information without further delay. Restoring the accuracy and integrity of my credit report is critical for my financial well-being, and I hope to resolve this issue promptly with your support.

I sincerely urge you to give this matter your immediate attention and take swift corrective action. Your cooperation in resolving this issue is greatly appreciated, and I look forward to your prompt response. 

Thank you for your understanding and assistance.
Product: Credit reporting or other personal consumer reports

I have been trying for 2 years to get TransUnion to update my information and provide my free annual report. They had an error with my social security # which created a ghost profile because it was the wrong ssn attached to my account. I called and they said they fixed the issue but froze my account. Since then I have requested my report online which always has issues and says I can not be verified. It wont sync with other credit monitoring platforms. TU just refers you back to their pay for website option. I know based off of TUs verification process that my address is incorrect. I can tell my scores are not being updated accurately because my fico score is affected.
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. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 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
Product: Vehicle loan or lease

Around XX/XX/2020 im notified at Santander Consumer wants me to pay them for my car payment. Remind you i was with Gateway One Lending and Finance. I wad never informed of the switched i was just told i need to submit payment to this new company. Only to find out they was in a lawsuit for adding unauthorized fees to peoples account. So now im looking at them sketchy and i dont trust Santander Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

i submitted dispute to all ( XXXX ) credit reporting agencies and XXXX. I was reported as being late on forebearance and they did a loan modification-but also a Death occurred related to XXXX to my spouse who was also a co-borrower on the Mortgage loan with XXXX. I filed a hardship request back in XX/XX/XXXX on the death of the Co-borrower and request time for hardship into XX/XX/XXXX, until i could get back on my feet. I was told by the representative XXXX, they never acknowledge my Hardship request even thought I submitted information on the Death of co-borrower. Instead they went and marked my XXXX mortgage late. I reached out to the Lost and mitigation dept at XXXXthey told me they were very backlogged, even though the death letter and death certificate was sitting in the loan soultion webiste for XXXX, nobody has yet reviewed my request at XXXX because they are so backlogged. 

XXXX- did successfully resolved their investigation - and restored my credit back to as it was In XXXX score of XXXX and no lates. filed CFPB XXXX XXXX - still not resolved the same investigation that i filed with CFPB XXXX -- still showing forebearance-Loan Modification & hardship as being late with XXXX. 

Experian - still not resolved the same investigation that I filed XXXX XXXX -- still showing forebearance-Loan Modification & hardship as being late with XXXX. 

I am still waiting for XXXX & Experian to fix my Credit Report scoring XXXX to what it was back In XXXX XXXX to scoring XXXX... .I was severly impacted by XXXX and XXXX death of the co-boworrer / my spouse 20 years - XXXX XXXX who died XXXX XXXX an XXXX at XXXX XXXX  and XXXX home. He worked in the Covid ICU ward from XXXX to XXXX ... ..XXXX  was not to show as being late on forebearance & hardship extenstion, on my Mortgage and to give me continue hardship releif unitl end of XX/XX/XXXX, is what i requested, until i could get back on my feet.
Product: Money transfer, virtual currency, or money service

Cash app will not allow my sister to refund me my money back in the amount of {$1000.00}. This occurred XX/XX/XXXX. I emailed them the same day. I also followed the steps that they ordered me to follow and nothing has changed. It has been 1 month. Ive contacted them via email and the problem did not get solved.
Product: Credit reporting or other personal consumer reports

Experian I am writing to express concerns regarding a XXXX XXXX and how my consumer rights are being violated. I still haven't received my full Inquiries report XXXX I requested back on XX/XX/XXXX, XXXX which should include details of all deleted items, Name ID Issues, and unknown accounts. Additionally, I request a detailed report on the XXXX process and findings and any corrections made to disputed accounts.because, I wasn't provided detail on final reports. I also noticed a unknown payment history legend account and it doesn't belong to me and I would like it removed along with any other Collections or error accounts that's not verifiable. Can I receive a separate updated copy of my credit file after the fixing of information. I also, upload my police report. Thank You for attention to this matter.
Product: Debt collection

I DO NOT OWE THIS DEBT. NO MONEY IS OWED TO XXXX XXXX. XXXX  HAS BEEN REPEATEDLY NON RESPONSIVE TO ME. APPARENTLY, IT ALSO FAILED TO BILL INSURANCE AND IS IMPROPERLY AND UNLAWFULLY BILLING ME FOR XXXX XXXX XXXX 

CREDIT COLLECTION SERVICES UNLAWFULLY PLACED THIS COLLECTION ACCOUNT ON MY CREDIT BUREAU AND IS TRYING TO COLLECT ON A DEBT THAT IS NON EXISTENT AND UNLAWFUL. 

ITS ACTIONS IN DOING SO ESSENTIALLY AMOUNTS TO EXTORTION. I HAVE CALLED, EMAILED, LEFT MESSAGES TO NO AVAIL. 

XXXX  IS ENGAGING IN DECEPTIVE BUSINESS PRACTICES. 

IN ADDITION, SECTION 1681C ( A ) ( 5 ) REGULATES HOW LONG INFORMATION CAN REMAIN ON A CREDIT REPORT, BUT NO 1681C PROVISION REGULATES WHEN INFORMATION CAN INITIALLY BE INCLUDED IN A CREDIT REPORT. 

PLEASE SEE TO IT THAT THIS ISSUE IS IMMEDIATELY RESOLVED AND PLEASE INVESTIGATE FOR WIDESPREAD ABUSE. 

THANK YOU.
Product: Debt or credit management

I am trying to get a mortgage & a debt is paid is still showing from national credit adjusters as owed, it was removed from XXXX XXXX XXXX
Product: Checking or savings account

This bank does a horrible job at processing disputes. I have a major dispute created XXXX against a company that has been scamming consumers out of money. I called in multiple times and emailed but no help so far. The dispute process is frustrating because I have to write in a complaint about the dispute to be taken seriously. I have proof that I tried contacting the merchant in several different ways - email, text, phone, and social media and never once got a reply. I have proof that I reported the business to the XXXX XXXX XXXX and to the federal trade commission over the fraud, but I haven't heard anything back from PNC. I sent over screenshots of other victims saying they got scammed too and their banks helped but mine is radio silent unless I report them to your establishment.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates the Customer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on there platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for theses violations.
Product: Vehicle loan or lease

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2024 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I hope this message finds you well. I am writing to express my concern regarding an unresolved issue with my credit report. 

Previously, I had filed a complaint about an unexpected and unjustified drop of XXXX points in my credit score. Despite my efforts to rectify this situation and the assurance from the concerned company that they were addressing the issue, the problem remains unresolved. 

The company 's response was to send me a copy of my TransUnion credit report to my current address. However, this action does not address the core issue at hand, which is the unexplained and significant drop in my credit score. I believe there must be an error or misunderstanding that has led to this situation. 

I am deeply concerned about the potential impact this could have on my future financial endeavors. I am confident and determined to rectify this situation, as I believe in the importance of maintaining a healthy and accurate credit report. 

I kindly request your assistance in investigating this matter further. I am hopeful that with your intervention, the concerned company will take the necessary steps to ensure the accuracy and integrity of my credit report. 

Thank you for your attention to this matter. I understand that the process of resolving such issues can be complex and time-consuming, but I am committed to seeing it through to ensure that my credit history accurately reflects my financial behavior. 

I am hopeful that your intervention will prompt a thorough investigation into the cause of this sudden drop in my credit score. I believe that everyone deserves a fair and accurate representation of their credit history, and I trust that the CFPB shares this belief. 

I look forward to your prompt response and assistance in this matter. I am confident that with your help, we can rectify this situation and restore the accuracy of my credit report. 

Thank you once again for your time and consideration. I appreciate your dedication to protecting consumers ' rights and ensuring the integrity of our financial system. 

Best Regards
Product: Prepaid card

I purchased a Vanilla gift card for {$400.00} from XXXX on XX/XX/XXXX. It was declined when I tried to use it. When I called, I was told the card had been compromised and placed on hold to protect me and they would ship another one. 

I received the replacement card about two weeks ago and wasnt able to activate it. I was told it had been compromised again and that they would mail another one and to call back if I hadnt received it by today, XX/XX/XXXX. 

When I called today to check on it because I havent received it yet, I was told by a XXXX ( spelling? ) that it hadnt been shipped yet and I needed to email a copy of my bank statement for proof of address. I later talked to a supervisor that said my card had been shipped on XX/XX/XXXX and to wait a few more days. 

I am very concerned that they would ask for a copy of my bank statement and am worried that they may have some insider fraud happening within the organization. I am also concerned at this point that my card is either not really on the way here or if it is it will not work again when I receive it. 

Please let me know how you can help me get my money back and ensure my information is protected.
Product: Debt collection

Moved out of XXXX XXXX, XXXX XX/XX/year> due to unemployment from XXXX pandemic. I provided a 30 day notice XX/XX/year> XX/XX/year> my debt was sent to Hunter Warfield INC.

I've made a few attempts to receive the purchase agreement from Hunter Warfield INC. and they have failed to provide any details on this debt and have been attempting to collect incorrect amounts from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX. XXXX Balance : {$700.00} XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Balance : {$700.00} XXXX Original Creditor : XXXX XXXX XXXX  XXXX XXXX Balance : {$200.00} XXXX  Balance Original Creditor : XXXX XXXX XXXX  XXXX XXXX Balance : {$180.00} XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXXXXXX Balance {$690.00} XXXX XXXX XXXX XXXX Balance : {$810.00} XXXX XXXXXXXX XXXX Date of Inquiry XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I have tried to resolve this matter with the following companies XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and all XXXX credit bureau. Some for a few years now and these accounts have not been removed. 

So as of XXXX XXXXXXXX XXXX this is my CEASE AND DESIST NOTICE TO ALL THE CREDITORS and XXXX, TRANSUNION, AND XXXX THAT I REFUSE TO PAY THIS DEBT, UNDER 15 USC 1692C.
Product: Bank account or service

I made a credit card purchase, point of sale. and the amount was debited from my account. two weeks later I was overdrafted by the amount of the sale and the date of the debit was almost two weeks after the sale. Subsequently the bank has charged me XXXX overdraft fees. I spoke to the retailer and they said that they put the charge through immediately so some manipulation was being done solely by the bank ( Bank Of America ). The bank is not supposed to allow any point of sale purchase through if the funds are not available and to be debited immediately.
Product: Credit reporting or other personal consumer reports

Ive sent letters and police reports to the respected credit bureaus to no avail regarding accounts related to identity theft. The response I recieved was a playful this is not a serious matter response. This is no playful matter.
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX and 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.
Product: Credit reporting or other personal consumer reports

I purchased a vehicle from XXXX XXXX XXXX prior to XXXX in XXXX  with a clean title and a credit report that stated such. Recently, a loan default was added to my credit report. Upon investigating these accusations of a derogatory account, I have not been able to find any proof on their behalf. I have tried disputing this {$150.00} $ fee, and the credit report dispute has both been denied. It would not benefit me or the loan holder to take this to court for the fees would be greater. I am at a loss and will most likely pay this amount although this should have never happened. I should have been informed of the decision as well by the credit bureau before further actions were made without proven records. I will also have this derogatory statement for 7 years as a car loan default.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Full First name is 'XXXX XXXX XXXX and my Last Name ' XXXX XXXX So my total Full name is " XXXX XXXX XXXX '' as per state government-issued ID. I have got my credit report from Experian when I first looked at it showed me my name as 15 names. The same name is shown on the Experian report in different ways wrongly. 


XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX Name ID # XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Out of no where- started receiving calls at work, and leaving messages. I did answer and told them not to call my work, that I do not receive personal calls, and the man was combative, yelling at me " DO YOU WANT TO GET SUED? '' over and over. I have received threatening voicemails, stating that I am being investigated for fraud. My family has been called and harassed. My brother did not give my address, and the man stated : what type of brother are you, that you do n't know where she lives? " I receive different v.m. with different people calling. On my work v.m. they left a case #. They sent a letter to my former address, and it was forwarded to my new address- and it stated they bought my debt and not they want to collect {$7200.00}!! I do not owe any money to this company. They said the loan was from CashCall.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America loan #  XXXX  was reported as closed which has negatively impac ted credit score. Th is needs to include an explanation of why it was closed such as the loan as been Paid in Full. By an explaination not being given it looks as though the account was just closed due to being sold which it was not. Please include a statement on my report that explains the account was Paid in Full by me.