23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Applied to refinance my home XX/XX/XXXX, company collected documentation and approved the loan application, but has refused to move to closing as of XX/XX/XXXX. Actively solicited my business for the refinance, but failed on their end. They strung me along by promising to resolve the issues. Rates rose while they strung me along, denying me the opportunity to go through another company to take advantage of historically low interest rates.
Product: Credit reporting or other personal consumer reports

My XXXX credit bureaus Experian, XXXX, and XXXX have not been updating and are behind by several months. I keep paying for their products but not receiving what is promised. I've called several times only to be on hold for hours for agents that don't speak XXXX and do not under the problem thoroughly. I've submitted disputes that drag on for months and come back unsuccessful. XXXX and XXXX are not current as well. This is becoming frustrating and a nuisance. Something isn't right and I am unable to receive answers or get to the bottom of it. I am requesting intermediary assistance.
Product: Money transfer, virtual currency, or money service

Venmo has AGAIN allowed unauthorized access to my account. This burdensome company is either acting in gross negligence or is the perpetrator of these fraudulent transactions. I requested the Venmo representative to close my account after the last complaint and apparently they did not. I want to be reimbursed for my burden in addition to remuneration of whatever funds Venmo has participated in extorting me of. My rate is $ XXXX. Send it to my XXXX account, close it immediately after, and re-evaluate your place in the business world. This company is a load of XXXX.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




Closed Accounts : XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries that I didn't do... 
Late payments that wasn't late
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I disputed an account reported by XXXX XXXX XXXX in the file you maintain under my Social Security number for the. first time. I was informed on XX/XX/2022 that the item was deleted from my credit report. Now I have discovered that the item has been inserted on my credit report on XX/XX/2022 for the second time after it was removed yet again on XX/XX/2022. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020, {$590.00} were withdrawn from my XXXX checking account by means of Cash App and my XXXX debit card. When I realized that the unauthorized transaction was pending, I called XXXX to cancel the compromised debit card, and a new one was issued by my local branch. I had to wait until the transaction posted to initiate a formal dispute with XXXX ( XXXX ). 

My research indicates that someone with my XXXX debit card number opened a Cash App account in my name and withdrew the funds. The card number may have been obtained from any merchant that uses Square to process payments. 

Square ( XXXX ) refused to help when I called, and although there is a phone number for Cash App ( XXXX ), there is no support for non-members. My research indicates that XXXX XXXX ( XXXX ) may have issued a debit card in my name. A XXXX XXXX   representative confirmed that this is a popular scam, and provided a number for XXXX ( XXXX ), a company that will forward my complaint to Cash App. 

The way these companies operate is very concerning, leaning on each other to enable these transactions to take place while eschewing liability, essentially allowing the laundering of illegally obtained funds. These loopholes should be closed to protect consumers such as myself.
Product: Mortgage

- as I renewed my mortgage insurance for XXXX XXXX I was seeking the best $ rates ; my oversight was to let the contract be dated with only a 4 day lapse ; - about XX/XX/2023 Wells Fargo ignored my insurance coverage and added their assigned insurance due to the 4 day lapse ; their insurance rate was approx. {$160.00} more cost than mine. They added it to my escrow which increased my monthly mortgage pmt.. Meanwhile I had already prepaid my insurance for the entire year. Also note NO claims and no incidents occurred during those lapse dates. 

- with some communication... they agreed and acknowledged my insurance and removed their insurance from my escrow liability. 

- yet .... months later they added their insurance again ; in XXXX they ask me to cancel my insurance after 10 months of used coverage ; I explained to them : NO INSURANCE COMPANY WILL REFUND COVERAGE AFTER 10 MONTHS HAS PASSED ; Then they ask me to ask my company to 'BACKDATE " my policy 10 months to cover the XXXX lapsed days ; after I reported that their is a 30 day limit to backdate with my insurance for for " best practices '' and " ethics '' ; now they persist with not accepting my prepaid insurance coverage even though they once DID accept it and then they flex " on again and off again '' ... ..my argument is : both of these opposite behaviors can not be logical or legal or fair ethics????
Product: Credit reporting, credit repair services, or other personal consumer reports

Company violated their Covid-19 agreement to reset the XXXX and XX/XX/2020 to {$0.00} balance due. Every effort was made to resolve amicably prior to this point I was repeatedly past around from department to department msot of which more rude and unprofessional than the last They then tried to tell me I filed bankruptcy and when I said I would know that never happened I just want service with my account I was repeatedly hung up on. 

They repeatedly violated other customers personal information by sharing sensitive and personal information directly from their executive office to me when attempting to communicate using a shared XXXX. Then they also stated that never happened and proceeded to do it again so I kept all 3 emails. 

I was a customer for 8 years never late there are massive amounts of communications call logs and disputes since and the account was paid off so this was clearly an issue that was absolutely not my doing nor my fault it this is an absolute error not only credit wise but service wise. This needs to be immediately fixed on credit bureaus as not late or no data I have spent so much time energy and effort thus far it is disappointing
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair credit reporting act ( FCRA ) to conduct a reasonable re investigation of disputed information on my credit report. Leaving inaccurate or unverifiable accounts unresolved. The consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify customers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or armed the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer
Product: Debt collection

Last onto l, Navy Federal Credit Union seized funds out of my account in the amounts of XXXX from savings, and XXXX from checking. I had no idea I had the debt because in speaking with themselves day after day, I was told there was a cease and desist by an attorney XXXX XXXX. XXXX is my VA attorney. He has no other rights to do anything with my accounts. I was also informed that I called them and told them to cease. I never would have done that as I know there would have been no settlement letter sent. My attorney also changed my address to his about XX/XX/2016. I asked Navy Fed for the returned mail as he moved and thats when I found out about this cease and desist document that I never permitted. I want my money back because I never got any letters from them. I should have the right to a settlement that I can afford.
Product: Credit reporting or other personal consumer reports

DEBT VALIDATION LETTER Date XX/XX/year>XXXX  Dear To Whom Its Concerns This letter is being sent to you in response to : Check One ( 1 ) -Notice sent to me on 20 -Response to a listing on my Credit Report. 
Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT a request for " verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( Equifax, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 
If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting

Equifax mortgage solutions continues to report incorrect information on my credit report.They are reporting items as late that I have not had since XX/XX/XXXX.My report changed within a month to reflect items that are XXXX yrs old to be reported as late payments as of XX/XX/XXXX.They have also added items that were previously removed due to being reported in error.This incorrect reporting not only caused me not to be able to obtain a mortgage but caused me to be place on un paid job leave for 90 days which will ultimately result in permanent job termination if the items are not corrected.I have been working really hard for the past 4 yrs trying to repair my credit and made sure every payment to every debt, credit card or loan I have is paid on time or early but all of my hard work has went down the drain due to the incorrect reporting and now I can potentially loose my job.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I created a high-yield savings account with Marcus Goldman Sachs with an initial deposit of {$15000.00}. On XX/XX/XXXX, I initiated a transfer through XXXX to fund a personal brokerage account ( {$5500.00} ) and a XXXXXXXX XXXX ( {$4400.00} ), pulling funds from the Marcus savings account. Both XXXX accounts are in my name. On XX/XX/XXXX, the funds arrived in the XXXX accounts and I purchased various mutual funds using the deposits. On XX/XX/XXXX, I received a phone call from Marcus claiming that the transfers I initiated on XX/XX/XXXX were flagged as " quick money moves '' and would need to be reversed and returned to the savings account. This is concerning for many reasons : 1 ) {$4400.00} was deposited into an IRA. Thus, removing the funds creates tax implications and leaves me prone to additional fees/taxes on gains acquired since the initial deposit. 
2 ) The Marcus website claims that its high-yield savings allow for " unlimited '' withdrawals, at any time. It does not specify a waiting period in which the funds must be in the account. One specialist claimed that I received an email with documentation stating that the funds needed to be in the account for 90 days before I could withdraw them. This is patently false, as I did not receive an email with any related documentation and the claim directly opposes what the savings account advertises ( unlimited withdrawals ).

3 ) I could not get a clear answer regarding why my funds needed to be reversed. After speaking to three specialists, I was told that my funds were moved too quickly, that Marcus doesn't support retirement accounts, and that " the system does not tell me why they need to be reversed. '' After prodding for more information, I was told that I could not speak to someone who works in the transfer department ( i.e., someone who could provide me with more information ). This is unacceptable. 

Ultimately, the funds I deposited are mine. Consumers deserve the ability to access their funds and make transfers as they wish. I should not need to reverse the legal transfers that I have approved through the app and via phone call with a Marcus representative. I will be closing my account when I am able to access my funds.
Product: Credit reporting or other personal consumer reports

Your Company is in violation of the Fair Debt Collections Practices Act. ( FDCPA ) By obtaining a credit report without a permissible purpose by law. I have not initiated any transaction with your company, furthermore I do not have an account as defined under 15 U.S.C 1693a ( 2 ) an 1618b ( a ) 3 ( f ) ( 1 ) with your company for collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting erroneous information on my credit report. The collect account is from XXXX XXXX. The credit report is saying that the account opened on XX/XX/2015. The original debt is from XXXX University. I have the collection letter from XXXX University and the account did not go into collections on the date that XXXX XXXX is reporting. The amount of the debt is not the same as XXXX XXXX is reporting. I have had this account removed from the other two credit bureaus but experian is refusing to remove this erroneous information.
Product: Debt collection

When requested, XXXX XXXX XXXX ( XXXX ) claimed they acted on behalf of XXXX XXXX. However, when asked to provide documentation supporting the debt, XXXX did not respond in a timely manner. Instead, the company would just send letters saying, " this letter verifies that you owe $ XXXX " but without any supporting documentation. 

It took more than a year to get documentation from XXXX XXXX. XXXX never forwarded or provided any proof, even after multiple requests. 

HSBC did not provide notice to me that the account had been transferred and XXXX XXXX refused to provide documentation for a full year. 

XXXX never provided any verification documents even though it was requested on multiple occasions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is an account being reported by XXXX which has not been validated nor authorized by me has been proventing me from obtaining credit and/or Loans, as per FDCPA and FCRA acts, this is a violations of those terms and must be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Honda Financial is deliberately refusing to update my 3 credit reports I have called and spoken to three different people Car was purchased for XXXX Loan amount was XXXX Payments made total XXXX XXXX payments were paid for XXXX plus interest and other charges Honda financial assessed. We own the vehicle in full with a lien release. 

Yet Honda financial refuses to Update the payment information to reflect the months of. XXXX XXXX XXXX XXXX and XXXX of 2020. Honda also Failed to report that the car is Lien releases even though they sent us a lien release and I have repeatedly asked Honda financial to update the Information being sent to three credit bureaus
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed an inquiry that I did not authorize.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on this XXXX XXXX account for months. XXXX and XXXX  have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX. on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX. on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Product: Debt collection

In a review of my credit file, I see this collection agency, Portfolio Recovery Associates, and a creditor, XXXX XXXX for two accounts ( XXXX XXXX XXXX XXXX ). I have no contractual agreement with this company. I have not signed any documents of any kind. This is collecting agency is collecting for two accounts as I previously noted.
Product: Credit reporting or other personal consumer reports

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 I looked at my Experian credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of 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 that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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, credit repair services, or other personal consumer reports

I've been battling with this company for months sending letters after letters certified mail consuming my time and energy. My stress level is through the roof I've been sick to my stomach because they have been putting me though. My lively hood is my credit and that have been running over me fraudulently with no regards on how I'm effect getting though daily life. 

Dates Of letter XXXX ( three letters ), XXXX, ( four letters ) XXXX A total of 10 attempts to rectify the issues And it all boils down too My consumer rights being violated numerous of times and my letters have been disregard with no explanation or proof of being validated Violation of my consumer rights to privacy 15 USC 1681 ( a ) ( 4 ) accusing me of having debt 15 USC 1692B ( 2 ) acquisition of location saying I owe a debt without proof documenting transactions of my credit card ( ssn 15 US Code 15 1681a ( 2 ) ( b ) Adverse actions 15 US Code a ( k ) ( iii ) and most of all this have been happening without my written consent 15 US code 1681b ( a ) ( 2 ) Until I discovered who I was a natural person.

and 120 days later I'm ready to take charge I'm tired of being harassed and accused of these reports and nothing should be reported without my written consent nor being properly validated
Product: Money transfer, virtual currency, or money service

XXXX dollars got snatched out my account in XXXX and XXXX in XXXX I complained I tried to dispute the transactions then they closed my account XXXX XXXXXXXX was my XXXX tag
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

My brother XXXX XXXX XXXX stole my credit card and was unauthorized to charge my CareCredit credit card in my name. I got a letter with the statement and could not read it well because the letter was wet from the rain. Now, I am having a problem with my credit card from CareCredit.com.