23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

This is not a duplicate complaint, nor has it been addressed. This is a separate issue from the initial complaint and was discovered 20 months after the initial reporting. HUD requires All Findings of fraud and material misrepresentation to be reported using the Loan Review System immediately. They also allow them to choose the source category out of XXXX which requires different remedies for each. Underwriting loan reviews are categorized into XXXX defect areas that represent fundamental characteristics of a loans eligibility for FHA insurance : 1. Borrower Income 2. Borrower Credit 3. Loan to Value and Maximum Mortgage Amount 4. Borrower Assets 5. Property Eligibility 6. Property Appraisal 7. Borrower Eligibility 8. Mortgage Eligibility 9. Lender Operations Defect areas are organized following a consistent pattern of sources, causes, severity tier descriptions and potential remedies. Cardinal Financial chose the category of XXXX XXXX rather than XXXX XXXX despite the defect being an appraisal error and omission. This prompted an incorrect excusal from HUD which Cardinal continues to use to escape accountability and close complaints for the past 34 months. They refuse to submit the loan defect in the correct category because the correct category requires the following. FHA is unable to determine appraiser and/or underwriter compliance with applicable policies for the appraisal, collateral valuation, or property acceptability due to absence of valid documentation. FHA is able to conclude that the property was not appraised and/or underwritten in compliance with applicable policies and the appraised value is not supported or the property is not acceptable as a result. Documentation required for specific property types, programs/products, or by construction status was not obtained to support FHA max insurable loan amount. Mitigating Documentation OR Indemnification - Life-of-Loan Meaning not only does Cardinal Financial have no quality control to prevent appraisal underwriting errors, when discovered, they avoid accountability by choosing the incorrect defect category.

A complaint will be submitted, despite marking it as a duplicate to escape accountability, until the loan defect is submitted to HUD in the correct defect category as was required 34 months ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, I used cfpb to file a complaint to Equifax to resolve issues on my consumer report to non avail. XXXX XXXX continues to report on my consumer report. What method of verification was used to validate and/or update this account? Several violations have been committed. I never gave written or oral consent for any information to be reported either. There is also no permissible purpose in reporting pursuant to 15 USC 1681. I am also a victim of identity theft and am attaching a copy of my identity theft report from the federal website ( www.identitytheft.gov ), along with my Drivers license. This report was not made in error, nor did i benefit from the opening of this account. Pursuant to 15 USC 1681c-2 the account must be blocked no later than 4 business days of receipt and statement that this acct is a result of identity theft.
Product: Debt collection

I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with Transunion XXXX XXXX  XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. 


XXXX  XXXX XX/XX/2016
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCOUNT # XXXX Date Opened XX/XX/2020 I have contacted the XXXX XXXX XXXX myself, and they have failed to validate that this is indeed mydebt. I have copies of my requests to XXXX XXXXXXXX XXXX, asking them to validate the debt, as well as the receipts showing I sent them a letter by certified signature request. I was given no evidence of my obligation to pay this debt to these collection agencies. That is because this alleged debt does not belong to meXXXX XXXX XXXX  was unable to provide me with the original contract with my signature because no such exist. With no proof of this alleged debt belonging to me as a consumer EXPERIAN you must delete from my credit report immediately. 

Plus XXXX XXXX XXXX has provided you with a false and misleading medical account with my name attached to it. You are also not supposed to share anyones medical information without their authorization. So you have now shared someone elses medical information cost and locations on a strangers CREDIT REPORT..which is me. WOW! EXPERIAN You have really dropped the ball on this one. This account is not reporting 100 % accurate. You also failed to even note that I the consumer disputed this account. you are really not following the rules. You have the nerve to not even notate that is account was disputed by ME on my own credit report. So EXPERIAN you now get to pick and choose what YOU want to furnish on my credit report? I know that you choose to report negative information because you make twice as much as good information when selling consumers information to businesses and corporations such as yourself EXPERIAN.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair Credit Reporting Act, the creditor has violated my rights under 15 USC 1681. Section 602 states that I have the right to privacy.

15 USC 1681 Section 604 A Section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

This is my final demand to urgently address the inaccurate reporting of the following collection accounts that remain on my credit report, despite their settlement and resolution : Collection Agency : XXXX XXXX  ( Original Creditor : XXXX ) Account Number : XXXX Collection Agency : XXXX XXXXXXXX ( Original Creditor : XXXX XXXX  ) Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of fixing my credit but Equifax has totally blocked me from checking my report or reporting any errors on their site. XXXX XXXX is also blocking my free annual report as well as XXXX. I am unable to obtain my account numbers to properly dispute making it impossible to fix any errors on my report. I can not obtain my free annual report from all 3 of these sites.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Kikoff regarding incorrect billing, improper late payment reporting, and failure to issue a promised refund. 

Between [ XXXX ] and [ XXXX ], I made multiple payments toward my Kikoff account in small installments ( {$2.00}, {$5.00}, {$20.00}, and {$40.00} ), totaling {$460.00}. Despite making these payments, Kikoff misapplied or lost track of them, leading to double charges and an incorrect increase in my balance. This resulted in unfair late fees and an account balance that does not reflect my actual payments. 

Additionally, Kikoff has reported late payments that are factually and legally invalid, including : XXXX late payments recorded before my account was even opened. 
XXXX late payment recorded after my account was already closed. 
According to consumer protection laws, once an account is closed and inactive, it can not remain semi-open solely to apply late paymentssuch entries must be removed. Likewise, reporting late payments before an account is even established is an outright error and criminal. 

When I contacted Kikoffs support team, I was promised a {$160.00} refund for the overcharges, yet I have not received the refund. Instead, Kikoff improperly added the amount I paid back to my balance instead of issuing a refund, further compounding the issue.

Requested Resolution I am requesting the following corrective actions : A full refund of all excess payments taken from me, including the {$160.00} refund that was promised. 
A correction to my account reflecting XXXX late payments, as all my payments were made on time. 
A full and accurate transaction history showing how my payments were applied. 
Immediate removal of the incorrect late payments that were applied before my account was opened and after it was closed. 
They applied late payments incorrectly, including : XXXX late payments before my account was even opened XXXX XXXX 
XXXX late payment after my account was already closed XXXX. 
These actions violate consumer protection laws, as a closed account can not legally remain open just to report late payments. 
I was promised a {$160.00} refund, but Kikoff never issued it. Instead, they added my payments I made back to my balance instead of refunding them. 
Kikoffs response to my complaint was dishonest, providing false explanations and making no real attempt to fix their mistakes.

Escalation Request Kikoff has demonstrated bad faith in handling my case, so I am now requesting further action from your office. Specifically, I ask that you : Investigate Kikoff for fraudulent billing practices and inaccurate credit reporting. 
Require them to issue a full refund of all excess payments, including the XXXX plus any other payments made refund witin XXXX days of notice. 
Order them to correct my account, remove all incorrect late payments, and provide an accurate transaction history. 
Hold them accountable for their deceptive and unethical business practices.
Product: Checking or savings account

I opened a Wells Fargo checking account for the {$400.00} bonus the bank offered. I have spoken to many bank officials to make sure that I completed the offer, but now I've been told that they can't find my offer. I spent an hour with a Customer Service Representative last week who got on the phone with Corporate and was unable to find out any details, let alone, when I was to receive the {$400.00}. I feel like I've been lied to and and misled, it's worse because I can imagine the hundreds of thousands of customers duped across the nation. I can not let this stand.
Product: Vehicle loan or lease

Kia Finance America is reporting a charged-off lease account on my credit reports that I have been disputing for a while now. I have disputed this account directly with each credit bureau and Kia directly and have not reached a resolution. I sent a letter to Kia Finance requesting all documents and validation of this debt and have not heard back or received any type of communication back. Here is the tracking to prove they received my dispute XXXX XXXX XXXX XXXX XXXX. How is it that they are able to validate this inaccurate account on my reports but ignore my dispute request? It is illegal to ignore a dispute request as well as to verify inaccurate information on a consumers report. This account is in clear violation of my rights as a consumer and I am requesting that it be deleted from my credit reports now!
Product: Credit reporting, credit repair services, or other personal consumer reports

Experience has been charging me {$21.00} for services that I did not approve. I requested my annual FREE credit report in XX/XX/2019. I cancelled that account the following day. I didnt notice the charges due to a fire in my home that displaced me for 7 months. Once returning then Covid hit and thats another set of issues. 

I tried to request a refund in the amount of {$350.00} for poor marketing and fraud on their website. The rep didnt handle it. Requested supervisor and that was a 15 wait. 

They have terminated the account t but I need a full refund.
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 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 was unfair and deceptive, as they did not comply with error resolution requirements under the Electrical Fraud Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

Hi I've been receiving bill its already settled with the main company which is XXXX and I do have confirmation email with that debt the collector is Jefferson capital keep asking for the same amount XXXX I did already inform them that this issue being resolved with the main company which is XXXX long time ago and I did email them a confirmation email I got from XXXX for that payment they tell me that they can remove it from my credit report as a debit still I owe because this is still affect my credit score and my credit for any think I want to do even I can not even open a regular chicken bank account because they inquiries I have from small debit collector like those companies still showing my credit report so I did pay that money and they still asking me for it still affect my credit score they are aware that I bet already I refer the email back to them from XXXX but we're not getting nowhere
Product: Credit reporting or other personal consumer reports

Despite my repeated efforts to resolve the fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The presence of these items has had a severe impact on my life, causing considerable stress and XXXX. It is important to emphasize that I did not authorize or consent to the inclusion of this information, as I am a victim of identity theft.
Product: Money transfer, virtual currency, or money service

I have requested all of my data, information, and anything that connects me to the Zelle company to be released to me for further investigation.
Product: Credit reporting

I rec 'd a declination letter from XXXX re. my request for an increase in my credit limit per the card I have with them. In that my payment history with them was pristine and that XXXX suggested that, if I wanted, I could get, from the reporting agency itself, a copy of the credit report and score that they drew upon to make the determination in rejecting my request, I then called that agency, ( Transunion ) and was given the 'opportunity ' to leave a voicemail and decided instead to go to the online website for the reporting company that XXXX had also included in the contact info for such agency. 
When I did, I saw various 'offers ' that were apparent attempts to misdirect me from getting my report and score for free.. I did not fall for those 'offers ' and instead navigated successfully to eventually get the credit report, but when I did, I saw that it was to be presented in XXXX parts, part XXXX being the report and part XXXX, the score, ( as the XXXX parts were shown as buttons prominently placed near the top of the page. After reviewing the report, ( with lots of errors evident in it of course ), I then clicked on the '' SCORE '' button and instead of being directed to my score, I was sent to a page that was a cleverly designed but nonetheless, obviously misdirective page that gave a couple of choices to actually get my credit score, but ... neither choice included getting the score for free. I struggled to make the site function in a manner to accord with the Fair Credit Reporting Act dictate per the providing, in my circumstance, a free score, but could not accomplish such. It is pretty clear to me that the site was designed to thwart attempts to gain a free copy of the scoreand frankly it is also pretty clear that this is a violation of the aforeref 'd to act. 
BTW : Not to sound defensive here, if anyone were to presume that I simply do n't know how to use the transunion site, I not only know how to navigate websites effectively/I am 'computer ' literate, I am the former XXXX for a search engine and the former XXXX of a XXXX XXXX company. The Transunion site I visited today was intentionally engineered to rip people, to deny people that under current law should be able to gain a free copy of their credit score. I copied the report page and the iterations of the page that XXXX gets when they click on the score button. Know also that I left a detailed message along with my phone number with your agency 's " XXXX '' group. 
The 'Attach documents ' feature below does not work for me, ( I tried several times in several ways, it does not work ), so though I am ready and willing to provide documentation to support my representations herein, I am hampered from doing so via the method given below. Therefore if I could be given an alternate approach for sending such documentation I would appreciate it. Otherwise, to the extent that it might actually be looked at and responded to, this missive will end up being nothing more than XXXX in the wind.
Product: Money transfer, virtual currency, or money service

Dear PayPal Team, I am writing this letter to appeal the permanent limitation placed on my PayPal account with the email address XXXX. I believe that the decision to permanently limit my account was made in error and would like to request that you re-investigate my case and restore my account if possible. 

Firstly, I would like to clarify that I have not violated any PayPal policies. I have been a loyal PayPal user for many years and have always made sure to follow all terms and conditions. Therefore, I was extremely surprised to receive notification that my account had been permanently limited. 

I would like to bring your attention to the fact that I have been conducting legitimate transactions through my PayPal account, and there has been no suspicious activity that would warrant the limitation of my account. I have provided all necessary information to verify my identity and account ownership, yet my account remains limited. 

In light of the above, I respectfully request that PayPal re-investigate my case and restore my account if possible. I am confident that a thorough investigation will confirm that my account was limited in error and that I have not violated any PayPal policies. 

I appreciate your attention to this matter and your commitment to ensuring the safety and security of your platform. I look forward to hearing from you soon. 

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

Subject : Formal Complaint to the Consumer Financial Protection Bureau ( CFPB ) Regarding Violations of Consumer Rights by Midland Credit Management Dear [ CFPB Representative ], I am writing to file a formal complaint against Midland Credit Management for multiple violations of my consumer rights. Despite numerous attempts to resolve this matter directly with Midland Credit Management, I have not received any responses or assistance, prompting me to seek intervention from your esteemed agency. As a federally protected consumer under the Fair Credit Reporting Act ( FCRA ), I am aware of my rights and obligations regarding the handling of my personal information. Specifically, I refer to 15 USC 6082 and 15 USC 6805, which outline the protections afforded to consumers in matters concerning the accuracy and privacy of their credit information. In light of Midland Credit Management 's failure to address my concerns and provide adequate resolution, I hereby exercise my rights under 15 USC 6802 to opt out of any and all authorization, whether written, verbal, or non-verbal, that I may have previously granted to them. This opt-out request is effective immediately. Furthermore, I assert that as a consumer, I am protected by all laws stated in the Privacy Act of 1974, which safeguard my privacy rights and regulate the collection, maintenance, use, and dissemination of personal information by federal agencies. Despite my efforts to communicate with Midland Credit Management and seek a resolution to this matter, their lack of response and apparent disregard for my rights as a consumer compel me to escalate this issue to the attention of the CFPB. I kindly request that the CFPB investigate this matter thoroughly and take appropriate action to ensure that Midland Credit Management complies with all relevant consumer protection laws. Additionally, I seek guidance and assistance in resolving the issues I have encountered with Midland Credit Management. Thank you for your attention to this matter. I look forward to your prompt response and resolution of this complaint. Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

FTC IDENTITY THEFT REPORT # XXXX This is not proof that I owe this debt. This is result of identity theft. You can not provide proof or evidence that I in fact owe this debt. Providing statements and a contract without my signature is not proof that I owe this debt. I do not acknowledge this debt and I will not pay this debt. Attempting to collect on a debt that is expired is only proof of your company trying to hurt my consumer report intentionally with derogatory information. I have admitted this debt is not mine and that the burden of proof lies on your company. I have not acknowledged nor will I pay this debt. You will not receive monies from me for a debt I do not owe or obligated to pay per statute of limitations in NY. So any further collection attempts is only further proof of my previous claim. This is defamation of character. Where is the proof that I opened this account and owe this debt? DELETE THIS INFORMATION immediately MIDLAND CREDIT XXXX {$620.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) requirethe credit bureaus to confirm these items. 

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Product: Money transfer, virtual currency, or money service

Zelle is blocking me from using XXXX XXXX  Zelle claim that i cant use zelle for identify protection i was told by XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am reaching out for your assistance regarding an incorrect account reflected on my credit report. This issue has harmed my credibility as a customer, and I am requesting that these falsely reported accounts be removed.