23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

After receiving a collection letter from the Debt Collector XXXX XXXX XXXX XXXX XXXX ) I sent a letter requesting verification that they are in fact collecting on behalf of said creditor, and proof of the amount of the debt they are attempting to collect on. They responded by filing a lawsuit without providing verification of the debt, a violation of the Fair Debt Collection Practice Act. The amount of the debt is substantially different from the amount owed to said creditor. If they are acting on behalf of said creditor they should be able to provide proof that they have the legal authority to collect on the debt, i.e assignment of debt or purchase agreement.
Product: Credit reporting or other personal consumer reports

My personal information was used without my permission to open fraudulent accounts and inquires using unauthorized residential address I never lived at. I have contacted to credit bureaus, data furnishers consumer financial protection bureau, and police department to report this inaccurate information that needs to be blocked and removed from my credit report by federal law. Unauthorized inquires include : XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX  XXXX inquired on XX/XX/XXXX XXXX XXXX  XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX  inquired on XX/XX/XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX  inquired on XX/XX/XXXX XXXX  XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX inquire on XX/XX/XXXX Attached is police report and paperwork with all fraudulent inquires sent to all brureas
Product: Mortgage

This is my complaint which i have also filed with the XXXX, MD Office. I have also sent a copy of the below complaint to my Congressman. They are not helping Vets they are lying to them saying you do not qualify for a 3.5 percent loan for cash out. When every other home loan company rates are 3.5 with cash out. 

I 'm writing this in hopes of warning fellow veterans to look into alternative Mortgage Institutions other than NewDay USA mortgage loans. After submitting required loan documents, I was pleased with the progress of the loan process until I received a copy of the Loan Estimate. NewDay USA gave me an interest rate of 4.2 and 4.7 when the prevailing VA interest rate was at the 3.50 percent. After receiving this information, I contacted XXXX other reputable loan companies and also filed for a VA mortgage loan. Shortly after I received both Loan Estimates, they were surprisingly lower at 3.50 ... Same credit, same loan amount, same loan duration. I was also told that the reason my rate was at the 4.7 was that i had take the XXXX percent financing, however when she looked at my loan she discovered that i was not taking XXXX but XXXX percent. So, she quickly change to another topic. 

I called my loan representative back from NewDay USA and asked why was my loan interest rate so high. The rep stated that the VA rates we carry are at the 4.5 level and if I wanted a lower rate, I would have to take loan without the cash out option. When pressed on the various details of their loan estimate, my rep became evasive. My loan was cancelled. Now i 'm currently in the process with a new company to obtain a VA Loan with the cash out option. The Loan Estimate i received with this company is at the prevailing VA rate of 3.50 %. 

My Fellow Veterans - NewDay USA seemingly pride themselves of having Integrity and promotes giving back to service members and veterans. However, please be careful and shop before trusting any company, especially NewDay USA. Please review your " LOAN ESTIMATE '' very carefully before signing closing documents. If your rate is substantially higher then the prevailing VA rate, " Do n't Sign '' those documents. 

The President, CEO, COO, and Board of Advisors should be ashamed of themselves for misleading VETERAN. Veterans expect more from a company that represents themselves as being the brightest military minds of our generation. Members who know the needs of veterans but instead of helping veterans they take advantage of them by charging outrageous rates for VA Home Loans even when the prevailing VA interest rates are lower. 

I believe this matter needs to have a congressional leader involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Barclays Bank agreed to a settlement & to remove negative info off of credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has failed to submit updates to all three credit bureaus since XX/XX/2022. I have made on-time monthly payments since XXXX, even with the system outage, and those payments are not being reported. My credit limit was increased and that has not been reported either. I brought this to the attention of the company 's customer service in XXXX, but not only did it go ignored, but they also directed me to reach out to the bureaus myself. It is not the responsibility of the consumer to report their own accounts to the credit bureaus so clearly there is a disconnect somewhere.
Product: Credit reporting or other personal consumer reports

Yes I have incorrect information reporting on my credit due to identity theft and fraud this has ruined my life and I will like for it to be removed. I spoken with several reps from XXXX about unauthorized and fraudulent collections on my consumer report. Under 15 USC 1681 ( a ) ( 3 ) XXXX assumed this role without permission nor my consent, also XXXX did not respect my rights to privacy which is under 15 USC 1 [ ... ]
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections XXXX09 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 at XXXX XXXX I filed a dispute with Cash App/Block Inc. reporting a user that scammed me out of {$1100.00}. 

After researching the abysmal behavior of Cash App/Block Inc. in handling disputes, I initiated a dispute with my bank attached to the debit card used for the transaction on XX/XX/2023 ( XXXX  XXXX XXXX XXXX dispute ongoing ). Obviously, the required first step in initiating a claim with the bank is to try and resolve your issue with the original parties involved, which I did by contacting the cash app user as well as cash app. 

Cash app/Block Inc. informed me that they they had in fact denied my dispute directly with them on XX/XX/2023. 

According to the Electronic Funds Transfer Act Cash App/Block Inc. is required to provide my copies of the evidentiary documents utilized to adversely decide against my claim. Cash App/Block Inc. is refusing to do so, citing my bank dispute. In fact, my initial dispute directly with Cash App/Block Inc. are 2 distinct disputes & I am entitled to the evidence Cash App/Block Inc. used in their investigation ( if there actually was an investigation conducted ) to determine the adverse outcome against my claim. I want the supporting evidence relied upon by Cash App/Block Inc. to allow their user to steal {$1100.00} from me.

Cash App/Block Inc. supports bad actors because they themselves are bad actors.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Incorrect Late Payment Reporting and Request for Removal I am writing to dispute incorrect late payment entries reported on my credit report by XXXX XXXX XXXX. I have attached copies of a congratulatory letter from XXXX XXXX XXXX and the title of the vehicle, both confirming that my account has been paid in full. Despite these clear indications that my financial obligations have been met, these erroneous entries have been reported, causing significant harm to my credit score and my overall financial health.

This incorrect information is a direct violation of my rights under the Privacy Act of 1974 ( 5 U.S. Code 552a ), which safeguards against the unauthorized use of personal data. Furthermore, I am exercising my right to opt out of any further reporting by XXXX XXXX XXXX, as stipulated under 12 CFR 1016.1 ( a ) ( 1 ) ( 2 ) ( 3 ). It is also noteworthy to mention that I was never provided with an initial privacy notice by XXXX XXXX XXXX, required under 12 CFR 1016.4 ( 1 ) ( 2 ), which mandates explicit authorization before disclosing any nonpublic personal information to nonaffiliated third parties. 
Given these violations, I am requesting the immediate removal of the reported late payments from my credit profile. Additionally, I am asking for a fine of {$1000.00} to be imposed for each violation of my consumer rights, as these errors have unjustly damaged my credit and personal reputation. 
Please find attached the relevant documents, including the payoff letter and vehicle title, to substantiate my claims. I expect a response within 30 days confirming that these corrections have been made to my credit report.
Product: Bank account or service

I received a call from a company in California called XXXX XXXX XXXX who said that they had submitted paperwork to take me to court for litigation on an old bank account from US bank from like XXXX or XXXX, I did n't even know about this account til the company said something because I was never sent the information pertaining to it file # XXXX and then they said the consumer finance protection bureau had filed a complaint against me as well but I never received any notification from you guys or US Bank claiming fraud, I thought that once something was n't on credit report could n't use it again
Product: Mortgage

Loan XXXX This is email i sent planet home lending, they are taking out monthly mortgage payments from the XXXX i semt them, they put it in escrow and are using it to make my monthly pymts. I write on my checls to them apply extra to principle. I didnt say to leave it in escrow account, XXXX  are misusing my money My name is XXXX XXXX XXXX sent a check in for XXXX XXXX XXXX dollars The payout amount was XXXX something. 
And you got my payment XX/XX/XXXX and it cleared. I'm sorry. Why haven't you applied that to my loan principle on my checks? I write extra towards principle so that {$26000.00} should have been applied to my loan. And it has not when will this be done I have sent another {$1500.00}. To cover taxes and insurance if needed. I would appreciate it if you. 
Applied my funds to my loans so I could pay off my house. If you're confused about this, please call me or email me so that I can tell you to pay off my house. That's why I sent the {$26000.00} and the {$1500.00} that you will get doesn't. 
Seem right that you're holding my funds instead of paying off my loan as instructed on my checks. I don't want to have to complain outside about this. But I will call the XXXX XXXX XXXX. Also, you have my money. 
You know what I want to do with that money? Pay off my loan Why is it taking you so long to do this? Were you just holding it? Thinking that you will just pay off every month to the mortgage. Payment from that amount in escrow. That's not what I want. Pay off my lone otherwise you're stealing from me. {$26000.00}.

Consider this my letter of intent. The next time I have to contact you I will be calling Your legal department Please quit screwing around with my money and pay off my house. 
Thank you XXXX XXXX XXXX You will be getting the {$1500.00} in a few days. 
If there's any taxes or insurance that you have to deal with and need money.That 's what it's for pay off my house!!!!!
Product: Credit reporting or other personal consumer reports

Capital one bank and capital one Walmart have charged off both accounts back in XXXX and one was XXXX. Since then both accounts was sold to XXXX different collection companies ( XXXX XXXXXXXX XXXX ). As of XX/XX/XXXX capital one Walmart and capital one back have being the accounts charged off are still up dating this to my credit report violation of Fdcpa 604f of the FCRA 15 USC 1681. 15 usc 1666b,,, 15 usc 1681i 15 usc 1681s-2
Product: Debt collection

HELP ME TAKE THIS FRUADULENT ACCOUNTS OFF FROM MY REPORT
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax XXXX Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report.Despite my submissions, Equifax XXXX Experian consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( XXXX  ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's & Experians actions XXXX also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax XXXX Experian complies with federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

I am writing to formally dispute and request an investigation into the inaccurate information that is currently being reported on my credit report. After reviewing my credit report, I have identified discrepancies related to late payment accounts. The accounts in question are reporting late payment statuses, but I assure you that these accounts have been paid on time, and the information reported is inaccurate. 
Below, I have provided details of the disputed 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 I kindly request that you conduct a thorough investigation into the discrepancies mentioned above and update my credit report accordingly. The accurate information is that all payments on the mentioned accounts have been made on time, and there have been no instances of late payments. Therefore, the late payment statuses and incorrect dates negatively impact my credit score and financial reputation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to TransUnion regarding a public record appearing on my consumer credit report. TransUnion has violated the FCRA and is willfully noncompliant. XXXX supplies information on consumers to TransUnion without abiding by the laws as a data furnisher. XXXX has been the subject of legal action as a result of this illegal reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. The following companies have violated my rights by performing a hard inquiry on my credit report without my permission XXXX XXXX XXXX Inquiry : XXXX XXXX, 2022 XXXX XXXX  ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2022 + XXXX XXXX XXXXXXXX ) XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX XXXX 2022 XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX 2022 + XXXX XXXX XXXX  ) XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXXXXXX 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 an 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: Debt collection

I am writing to formally dispute the debt referenced above, which you claim I owe. After reviewing my records, I believe this debt is inaccurate, and I request that you cease all collection activities related to this matter until you can provide proof of the debt. 

The reasons I dispute this debt are as follows : This debt is not mine, The amount is incorrect. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I request that you provide me with validation of this debt, including : The original creditor 's name and address A statement of the amount owed Proof of my responsibility for this debt Please note that you are required by law to cease collection efforts until the debt is verified. 

Additionally, if you have reported this debt to any credit reporting agencies, I request that you inform them that the debt is in dispute and provide any relevant documentation as required. 

I look forward to your prompt response to resolve this issue and the matter being deleted from my report. 

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

I am a XXXX XXXX and a XXXXXXXX XXXX  and recently i discovered recently that my identity was stolen and was taken advantage of to create fraudulent accounts and fraud inquiries. My complete name is XXXX XXXX XXXX and ALL accounts with incorrect and inaccurate names must be removed from my credit reports especially the fraudulent ones. I need your help to please delete these accounts from my profile asap : The fraud accounts are : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I also need your help in correcting my address and name. It should only be XXXX XXXX and XXXX XXXX XXXX XXXX XXXX California XXXX, nothing else. Thanks! I have attached here my FTC reports, ID, and proof of address. I haven't received my requested SS card yet. As a foreign citizen in your country, I kindly request for your assistance as I don't know much people who can help me with this issue. Thank you! i have noticed that I don't have credit history showing in XXXX. Can you also please fix that for me?
Product: Mortgage

You closed a complaint without getting MY response! 

The complaint is compounding itself and there is no way any real human can contact you by phone without losing their sanity ( then again, being a government entity, that is not unreasonable as nothing government does is meant to " help '' the common man - sorry for the editorial ). 

The original complaint number is XXXX. Nationstar mortagage of XXXX was insisting I pay an additional $ XXXX to " facilitate the release of funds '' from a " frozen account ''. The frozen account being frozen by them and the funds being held were ones designated originally for my mortgage. Paying additional money to free my payment sounds to me more like " extortion '' ( now we have a term government officials may be more accustomed to ). Furthermore, I made my payment due XXXX XXXX on XXXX XXXX and have been told that they received that payment but applied it for XXXX. I have NEVER missed a payment! I have NEVER been LATE with a payment. So, how could my payment meant for XXXX be missing? Somehow, with all the XXXX of setting my funds in privately held " escrow accounts '' without crediting my original account, a payment has gone missing on the part of Nationstar Mort. I have all the cancelled checks and should be " up to date '' as of the XXXX payment. My next payment is due XXXX XXXX, 2016. 

Please pursue this course, the complaint is NOT CLOSED! 

XXXX XXXX PS I prefer not to use the computer as much as it may be easier than reading my handwriting. I pride myself on not having " physician handwriting '' and would appreciate having a proper phone contact ( as much as you may prefer to not hear from me ) -not a machine bent on improbable circles of input. I will follow up with Senator XXXX office, as they had been the origin of this complaint.
Product: Credit card

Capital One issued a {$100.00} rewards card for a local vendor. However, when I attempted to use it at the establishment, I was informed that the card was invalid. 

I contacted Capital One in late XXXX, and a representative advised that it would take two weeks to resolve the issue. The agent also contacted the vendor and confirmed that the rewards card had no expiration date. Based on their assessment, the issue appeared to be that the card was issued without being activated. 

When I followed up in XXXX, I was informed that additional time was needed to resolve the matter, with a new resolution date set for XX/XX/scrub>, 2025. 

As that date has now passed without a resolution, I would appreciate an update on the status of this issue and the next steps to ensure the matter is resolved promptly.
Product: Money transfer, virtual currency, or money service

Binance US locked me out of my account on XX/XX/21 at XXXX ET for an unknown reason. When I tried to login to their website, a pop-up said to contact customer support to unlock my account. I contacted Binance Customer Support immediately. I have now been waiting for over 3 days for my account to be unlocked. 

I had close to $ XXXX in cryptocurrency in the account at the time it was locked. That has now gone down to about $ XXXX and I have no way of controlling my losses given my account is locked.