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

XXXX XXXXXXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Inquiry Type : Individual Permissible Purpose : CREDIT TRANSACTION Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX UPSTART XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX Permissible Purpose : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CE XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, IL XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX Permissible Purpose : IXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX I contacted the credit bureaus, and they refused to help me dispute these items over the phone. Their customer service would not help and take care of the negative inquiries reporting to my credit report. They told me they ca n't do anything about it.
Product: Mortgage

My husband lost his job in XX/XX/2021 so we missed the XXXX payment. We contacted XXXX and they advised to call them when he received his paycheck from his new job so they can evaluate us for a repayment plan. We contacted them in XXXX to start a payment plan. The gal we spoke with agreed that we would be paying XXXX a month on the XXXX of every month except for XX/XX/2021 as the XXXX was on a weekend. This would be for 6 months. Then we started getting notifications in the mail stating our house was going to start the pre foreclosure due to us not making our payments and for not contacting them to set something up. I get 5 letters months stating the same thing when my payments are automatically taken out of my bank account. It is frustrating that when we call we are told not to pay attention to the letters as we are current but then to get those letter in the mail which do not show the correct information. I was told today that per HUD those letters have to go out but you would think that if we are abiding by our payment plan we would not get those letters. All I am asking is that those letters reflect the correct information. I have asked them to fix them but they said they can not.
Product: Credit reporting or other personal consumer reports

Wells Fargo never had a legal binding contract with me. They failed to disclose certain information in the TRUTH IN LENDING DISCLOSURE. They failed to tell me i was giving power of attorney over my financial assets and i have all the proof and evidence. I have made this final complaint to PUT WELLSFARGO ON NOTICE THAT I WOULD LIKE TO TAKE THIS MATTER TO ARBITRATION OR CIVIL COURT. If more information is needed please call.
Product: Credit reporting, credit repair services, or other personal consumer reports

The status is incorrect for the following account.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. This Account is in violation of 15 U.S. code 1681A ( 4 ) for consumer right to privacy.This bankruptcy shouldnt be on my credit/consumer report. 
XXXX  XXXX BANKRUPTCY Case Number : XXXX Delete this account. 


2. there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 


5. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX Account Number : XXXX Delete this account. 


6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Checking or savings account

Bank of America closed my account without notice and told me it was a company decision. They have put myself and my family in a bind as they will not release my funds to Me until the latest XXXX. I even took steps to ensure no more payments would be debited from my account so I could get my money released. I have had Bank of America since 2006. How they have treated me has been very unprofessional and making me feel like Im scum. This has been over 3 weeks and now and would like our money.
Product: Mortgage

I applied for a loan at https : //districtlending.com/. 

I give out my personal info and a credit report inquiry, and submit an application. 

Then a loan officer reaches out, to tell me they don't write loans in my target state of Alabama.

I counter by saying, then why does their application push forward to the last step once I selected Alabama. No direct answer was provided.

I also notififed them that a colleague of their is NMLS-licensed in Alabama. I would think they would pass me to them to continue doing business. But, I get no response.

If they truly don't write loans in Alabama, then this is a violation of NMLS and CFPB rules and regulations.

All they have to have done is prevent applications from continuing in the process and taking my personal info and subsequent hard inquiry. 

This complaint is to show the companies really don't care about their customers, and that competitiveness is the focus instead of ethics and rules.
Product: Mortgage

I started having difficulty paying my mortgage in XXXX to Nationstar Mortgage XXXX, TX, as a result of The XXXX Slowdown, but managed to keep up my end until XXXX XXXX, XXXX. At that time I HAD to make my XXXX, XXXX payment or I would be in ( forclosure ) trouble. When I tried to make my payment a sign came up : " For The Selected Loan - Online Payments Are Not Allowed ''. I called and was told I had not made my XXXX, XXXX payment and therefore in order to pay XXXX, XXXX I had to also pay XXXX XXXX again. I did the XXXX payments XXXX XXXX, XXXX knowing they will think XXXX, XXXX is still due even though I knew the XXXX payment had been made in XXXX, XXXX. But I did n't have enough money in the bank to make the XXXX payment, because of the double XXXX XXXX payment and knew than and there I would be in default. Of course, I sent correspondance on XXXX XXXX, XXXX telling them all this and providing my bank records showing I had paid XXXX, XXXX. I heard nothing from them until XXXX, XXXX. 

I received correspondance from Nationstar Mortgage dated XXXX XXXX, XXXX, saying they were responding to my request received XXXX XXXX regarding the application of the monthly payments. THERE IT SHOWS IN BLACK AND WHITE THAT I DID INDEED PAY THE XXXX, XXXX PAYMENT ALTHOUGH ONE MONTH LATE! AND THAT MY DOUBLE PAYMENT PAID XXXX AND XXXX, XXXX. 

But I was than shifted to HARP and the very last piece of information they asked for was a Profit and Loss Statement from the accounting department that I get quarterly funds from, and I could not geat it in a " timely manner ''! 
My foreclosure date is XXXX XXXX, XXXX and is also the sale date! 

Thanks for listening.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep disappointment and frustration with the ongoing dispute regarding a negative account that is inaccurately listed on my credit report. Despite my repeated efforts and communication with your company via mail this erroneous entry continues to affect my credit score adversely. 

XXXX XXXX
Product: Debt collection

My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and don't care who's credit or lives they impact.
Product: Bank account or service

I was charged {$200.00} in overdraft fees illegally. I have attached copies of the banks check cashing policy where the first {$250.00} of each check is available the same business day as long as it is deposited before XXXX. I deposited this in the time outlined in the policy and am being charged for XXXX completed transactions based on this incorrect use of overdraft fees.
Product: Credit reporting or other personal consumer reports

I received a notice of collection from a debt collector. I responded via their terms that i did not recognize the debt as mine and requested validation of this debt. They gave no proof that the debt belongs to me and continued to attempt to collect the debt and report it to the credit bureaus. This is bad practice, collections should have been ceased until i was provided proof of debt.
Product: Debt collection

This is my second attempt to rectify this matter. Hunter  Warfield is in violation and they have defaulted by not responding to my affidavit. I have attached my affidavit again. This is their opportunity to cure this. I have also attached my invoice again. I am attempting to settle these Federal consumer rights violations outside of court. Keep in mind I am a federally protected consumer. I am invoking my specified remedy. Remove this debt and remit payment to me for these violations.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block, XXXX. ) ( 1 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 XXXXwas untair are deceptive, as they dishot '' 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: Credit reporting or other personal consumer reports

I have Opt-Out from XXXX XXXX XXXX XXXX and set a letter on XX/XX/2024 which is attached to this complaint. See previous CFPB complaint # XXXX regarding this.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, XXXX XXXX XXXX, Card number XXXX XXXX XXXX XXXX, wrongfully marked a payment as 30 days late. When I dispute the for the record to be corrected, they continuously switch the month disputed between XX/XX/XXXX and XX/XX/XXXX. This makes the claim new over and over again and has been going on for over 7 months.
Product: Money transfer, virtual currency, or money service

Im filling 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.
Product: Credit card or prepaid card

XX/XX/XXXX RE : Collection Account Account Number : Unknown- Barclays Bank Delawa ( opened on XX/XX/XXXX ) Dear Sir or Madam : I have recently obtained a copy of my credit report, and it shows that you have reported Barclay Card as " placed for collection ''. I have NEVER had an account with Barclay but I do believe my Ex-boyfriend XXXX XXXX used my information and opened a XXXX account for his childs mother and him committing fraud. Barclay told me because payments were made to the accounts I was liable for it, but there was no recognition from Barclay how it was approved, who signed for it, where payments were made, etc. I sent in paperwork several times to Barclay card showing them the police report. I have called time and time again trying to find a resolution but I never get responses from Barclay and they are always very rude to me saying they have recorded conversations where I said I wanted to pay only because I was scared about them ruining my credit score when I found it on my credit report. I was very young and scared and their tactics werent nice at all. This reporting placed by you is very disturbing and it is doing serious damage to my credit rating. For the past two years, I have been working diligently at improving my credit so that I can buy a house for my family and this keeps showing up and holding me back. As you know, you are required by law to make sure that bills are accurate and sent to the correct address. I have never received any bills or I would have contacted you immediately to notify you that I do not have an account with XXXX nor have I ever until now. 

I hereby request that you take the following steps to remedy this situation : - Send me a notarized statement attesting to your compliance with all provisions of the Fair Credit Billing Act with respect to this account. 
- Provide any and all documentary evidence of my indebtedness for all charges you claim including billing statements to me. 

Please attend to my requests promptly as time is of the essence. 

If I do not receive the above requests within the period prescribed by law, I will expect to receive written notification that you have, in fact, made the required deletions from your reports and that you have removed from my file any reference to the disputed account. If you can not provide the statements and documentary evidence required, then I insist you delete all negative references from your reports to XXXX, XXXX, and XXXX. I also require that you communicate with me only in writing. Please do not contact me by phone at any time for any reason. 

**To verify my ID and my address, I am enclosing copies of my ID as well. 

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

Name : XXXX XXXX XXXX : XX/XX/XXXX Last 4 of SSN : XXXX Hello. I am contacting the CFPB today to detail my recent experience with identity theft. 

XXXX XXXX, who lived with me for 3 years, stole my identity during his stay. He made unauthorized copies of my Social Security card, drivers license, and birth certificate, then used them to open numerous accounts in my name without my permission. I am doing everything I can to resolve the financial mess he created, but his actions have left me with significant debt affecting my credit report. Ive filed a police report, but there is little else I can do as he is currently untraceable. 

After extensive research on the best steps to take, I am filing this CFPB complaint to request that TransUnion, in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ), block the fraudulent information on my credit report resulting from identity theft. This action must be completed within 4 business days of receiving this complaint, as required by the law. I have once again provided the relevant information about the affected account below : INQUIRIES XXXX XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX XXXX XXXXXXXX XXXX  Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX 
Date of Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX  Date of Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX C Date of Inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX I do not recognize these inquiries and did not authorize them. Due to the malicious actions of a former roommate, I am now left dealing with the impact of his fraudulent activities. These inquiries were not made or initiated by me and are the result of identity theft. I have included a copy of the FTC Identity Theft Criminal Complaint # XXXX, along with several FTC Affidavits previously submitted to TransUnion, as evidence from the U.S. Federal Trade Commission confirming that these inquiries are a result of identity theft and fraud.
Product: Checking or savings account

I opened a checking account with Chase that qualified for a {$300.00} bonus when certain criteria were met. I signed up through a bonus webpage provided by Chase. I completed the required criteria, i.e direct deposit to the account over {$500.00} and the offer should've been automatically triggered. When I called they let me know that I did not enter my promo code, a code which is not referenced when applying for this bonus. They also stated that this code needed to be applied within XXXX  days of the account opening which is also not in the fine print of the card.
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. XXXX. The inquiry was not authorized XXXX Date of Account : XX/XX/year>2022 Please remove it from my credit report. XXXX XXXX XXXX Account Number : XXXX .Validate the late payments. I have never been late on this account. XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. XXXX XXXXAccount Number XXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX XXXX XXXX XXXX [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!! 
RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. XXXX. The inquiry was not authorized XXXX Date of Account : XX/XX/year>2022 Please remove it from my credit report. XXXX XXXX XXXX Account Number : XXXX .Validate the late payments. I have never been late on this account. XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. XXXX XXXXAccount Number XXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX XXXX XXXX XXXX [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!