23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to you to express my concern regarding the presence of certain hard inquiries on my credit report. Upon reviewing my credit history, I have identified several inquiries that I believe were not authorized or were conducted without my full understanding. These inquiries are negatively impacting my credit score, and I kindly request your assistance in having them removed from my report. 

Below, I have listed the inquiries in question along with their respective dates : XXXX XXXX XXXX ( XX/XX/2022 ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 ) I want to clarify that I have not initiated any credit applications or authorized these inquiries during the mentioned timeframes. Therefore, I believe these inquiries are inaccurate and unjustly affecting my creditworthiness. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate or unauthorized information on their credit reports. I am formally disputing these inquiries and request that they be promptly investigated and removed from my credit report. I have enclosed copies of my credit report highlighting the disputed inquiries for your reference. 

I would appreciate your prompt attention to this matter and a thorough investigation into the validity of these inquiries. Please inform me of the steps being taken to address this issue and provide me with updates regarding the progress of my dispute.
Product: Mortgage

FHA Loan Refinance initiated on XXXX/XXXX/15. It has been almost 3 months and no one can tell me a clear status of the loan. I am told that it has passed underwriting but is in review by FHA. I called FHA and they claim that FHA does not review loans. The credit scores and loan to debt ratio are supposedly ok. 

I have been given at least XXXX targeted closing dates that come and go with no clear explanation. The people I was working with initially all have disconnected numbers. All efforts to escalate have not been effective
Product: Credit card or prepaid card

Citibank seems to not care at all about complaints registered at CFPB. 

This is a request to careful, carefully, the previous complaint number XXXX. 
Your careless review lead you to reply about a previous XXXX XXXX, while the complaint was in regards to the most recent XXXX XXXX ( XXXX ). 

It is so unfortunate that now even when requesting help from a government agency, Citi also provides poor customer service. 

Maybe one day all these records lead to a big fine. Then maybe Citi will look into improving their services.
Product: Bank account or service

Erroneous Overdraft Fee : As per notice attached from TD Bank, at the end of XXXX, there is no overdraft since I transferred funds from my other account with TDBank. If the check had been returned, the Overdraft Fee would be valid, but the check/payment was cleared on the same day, and even their notice is showing no overdraft at the end of XX/XX/2017. 

XXXX never ever charge any Overdraft Fee for such scenerios.
Product: Debt collection

I received advertising letters in the mail from local law offices that I am being sued by Velocity Investments , LLC for a debt that I owe. I have never previously been contacted by this company and am not aware of what debt this is in regards to. I found out I am being sued via law office advertisements, no notice from the company or any type of communication. I tried contacting them by every phone number listed on their website and the closest option I came to being able to speak to someone was leaving a voicemail, which has not been returned.
Product: Money transfer, virtual currency, or money service

I am filing 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 proce 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 ( Block, IncXXXX ) 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 reporting, credit repair services, or other personal consumer reports

Equifax leaked my personal information
Product: Credit reporting, credit repair services, or other personal consumer reports

According to Section 602 of the Fair Credit Reporting Act, 15 USC 1681, " there is a need to ensure that consumer reporting organizations execute their grave duties with fairness, impartiality, and a regard for the customer 's right to privacy. '' I am the XXXX, and XXXX and XXXX are consumer reporting companies. 15 USC 6801 states that " it is the intention of the Congress that each financial institution has an affirmative and continuous commitment to respect the privacy of its customers and to maintain the security and confidentiality of those customers ' nonpublic personal information. '' Furnisher of information to credit agencies is, by definition, a financial institution. Section 604 a section 2 of 15 USC 1681 reads that " In general Subject to subsection ( c ), any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' The financial institution and the consumer reporting companies, XXXX and XXXX, do not have my consent to supply this information, and they certainly do not have my written authorization. Any and all verbal, nonverbal, written, implied, or other agreement to XXXX, XXXX, or all financial institutions are revoked. Also, 15 USC 6802 ( b ) ( c ), " a financial institution XXXX not disclose nonpublic personal information to a nonaffiliated third party unlessthe consumer is provided with an explanation of how the consumer might exercise that nondisclosure option. '' I was never informed of my right to exercise my nondisclosure option by any financial institution. Not only that, but 15 USC 1681C ( a ) ( 5 ) states, " Except as authorized under subsection ( b ), no consumer reporting agency XXXX make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of criminal convictions that predate the report by more than seven years. '' This account is an adverse item they are reporting without my permission which is illegal. " 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, according to 15 U.S. Code 1681s2 ( A ) ( 1 ) A.

" Every consumer reporting agency shall maintain reasonable processes designed to avoid breaches of part 1681c of this chapter and to confine the provision of consumer reports to the objectives indicated in section 1681b of this title, '' according to 15 U.S. Code 1681e. Reasonable procedures are not being maintained by XXXX and XXXX. Also, according to 12 CFR 1016.7, " a consumer XXXX exercise the right to opt out at any time. '' I am declining your reporting services.
Product: Debt collection

I have written several disputes to XXXXhe Bureaus Inc, and have received no response at all. The yare reporting to my credit. This is a violation of the FCRA, they are not allowed to report to the credit bureaus without first letting me know. They have also not responded to any letters I've sent them, another violation of the FDCPA. They have failed miserably in their duty and must remove this erroneous account immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

Not showing how they verified any standing deputes. Never receive a letter on whom they spoke with or how they conducted there investigation. Only stating it was verified but not how. Never received credit report with credit scores. And this from XXXX  and experian. For a bankruptcy. That should have been removed. It has been removed from my XXXX credit reporting. Because they have not done there job properly nor fairly I would like all items that I disputed be removed. Thank you.
Product: Credit reporting or other personal consumer reports

I am the victim of XXXX XXXX. I learned this fairly recently but it has been a few months now. I followed all of the procedures correctly and I filled out all of the reports just like I was supposed to and sent them off to the credit bureaus with my IDs attached. The problem is that they have not responded to me AT ALL and it has been well over the XXXX days they have by law to do so. I know that I have rights under Federal Law but these credit bureaus seem to think they are above the law! Please help me. This is really messing me up!
Product: Credit reporting or other personal consumer reports

Date of Birth : XX/XX/year> Last 4 SS # : XXXX XXXX XXXX XXXX : Equifax XXXX XXXX To Whom it May Concern, Account name : XXXX XXXX I received a copy of my credit report. To my surprise, the credit reporting agencies are reporting this account incorrectly. This account is not only being reported as in collections, but also shows a past due balance of {$1600.00} while reflecting XXXX ( XXXX ) late payment. Additionally the utilization percentage is also inaccurate : 48 % of {$1100.00} = 0.48 x {$1100.00} = {$520.00} So the increase amount is {$520.00} Adding the increase of {$520.00} to the original {$1100.00} gives us : {$1100.00} + {$520.00} = XXXX Therefore, {$1100.00} plus a 48 % increase is {$1600.00}, not {$1600.00}. 

According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account remove upon completion. 

Sincerely, XXXX XXXX
Product: Checking or savings account

Dear CFPB team, I am writing to express my complaint and dissatisfaction regarding Marcus by Goldman Sachs Savings Account Service. On XX/XX/XXXX, they locked my savings account and asked me provide an affidavit, I did go to an XXXX for the notary and sent back the affidavit to them, but they never let me know that they never receive my letter and didn't ask me to resend one. On XX/XX/XXXX, they forcibly closed my savings account. I called them for more information as I still have about {$25000.00} in that account, and I asked them send back the money to my original bank, XXXX XXXX  XXXX, account ending in XXXX, they initially claimed that they would transfer the balance within 1-3 business days. However, it has now been over 10 business days, and I have not received any refund. I have attempted to contact Goldman Sachs 's customer service multiple times, but unfortunately, I have not received any clear responses regarding my issue. No matter how many times I call, no one is willing to address or provide a detailed explanation, and some even threatened me that I already lost my money because my account is closed, if my XXXX XXXX XXXX account can not receive it, the money can't be returned to the closed Marcus account, and then I will just lose the money, which has left me feeling extremely disappointed and confused. 

As a customer of Goldman Sachs Bank, I have placed trust and reliance in their services, but this recent experience has left me highly dissatisfied. I hope that you can assist me in resolving this matter and ensure the safe return of my funds to my XXXX XXXX XXXXXXXX account. 

I can provide any other information if you need, such as my driver 's license, passport, etc. 

Once again, thank you and hope you can help me with this case! 

Thank you!. 
Sincerely. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : # XXXX XXXX  Account name ( XXXX XXXX  ) : # XXXX XXXX XXXX account ( XXXX XXXX ) Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) number XXXX Account name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX of a has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax, XXXX  and XXXX  verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through eOscar. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine. The accounts Im speaking of are XXXX XXXX, XXXX XXXX, and Chapter 7 Bankruptcy.
Product: Debt collection

Ditech continues to call my employer after they agreed to stop this practice and sent me a letter stating all phone calls to my home, my mobile and my work would stop. I have filed numerous complaints concerning this company and their collection practices. They were fined as part of a class action lawsuit concerning their collection practices. This is the third time they have called my place of work since I received the letter stating they will cease all phone calls. See attached.
Product: Mortgage

On XX/XX/20, my husband and I applied for an increase to an existing HELOC with Fifth Third Bank, from XXXX to XXXX. On XX/XX/20, we received an email that we needed to provide verification of reserves of {$7000.00}. On XX/XX/20, we faxed bank statements showing the reserves. Even though we showed adequate reserves, we were then told that a statement of other resources, like an IRA were needed. I provided my Thrift Savings Plan statement showing almost {$150000.00} in retirement savings and was told they would review to see if it was acceptable. On XX/XX/20, we followed up to see if any additional info was needed and was basicaly told no. On XX/XX/20, we received the appraisal of our home in the mail, so it seemed everything was in order. Why would the bank pay to have an appraisal done if something was wrong, right? On XX/XX/20, I get a call from my banker telling me that we must now show {$17000.00} in reserves and that my TSP nor my husband 's 401K could be considered because neither of us are XXXX XXXX XXXX ( our retirement accounts total over $ XXXX combined ). We were not told this at any point prior to XX/XX/20. Because we did not have {$17000.00} in our bank accounts, they denied the loan. We were misled to believe that we had what we needed and this loan was going to happen. It took them over 2 months before reversing their decision to honor our loan application. Either the employees involved lacked proper training or we were racially discriminated against, maybe both.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going over my credit report I noticed an account from XXXX XXXX XXXX, The XXXX XXXX XXXX I have never had an account or contract for service with You must provide historical data regarding all consumer materials reported to any credit reporting agencies for my name XXXX XXXX. Since serious problems may be present in those files, I am compelled to demand that your company send all validation materials promptly. Moreover please attest that any third-party collection agency, if engaged, is bonded to collect in my state of residence due to unfortunate financial events related to my having been a victim of fraud. This is not a request for a non detailed overview. Instead, I am calling for a full verification. If this documentation can not be provided within 30 days, any detail sent by your company to the credit bureaus should be regarded as unreliable and may evidence a disregard for the Fair Debt Collection Practices Act or other applicable statutes. In that case, annul such consumer information without delay. Thanks sincerely for XXXX XXXX XXXX, The XXXX XXXX XXXX diligent examination of this matter.
Product: Credit reporting or other personal consumer reports

The company has showed me proof the account is OPEN BUT continues to report the account closed on my XXXX XXXX and XXXX reports for the last 6 months or more. 
The XXXX credit report has been corrected to show the account as open. This complaint is to the credit agencies to update the account status as OPEN. I did not request for this account to be closed. that's why its still open. Proof attached. this effects my credit utilization and overall score.
Product: Mortgage

Ditech has not paid my town taxes from my escrow account, I have over {$3000.00} due and have had a open claim under investigation since XXXX. Have spoke. To XXXX seperate supervisors, XXXX and most recently XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting inaccurate, incomplete, and old information on my credit report. They refuse to validate the debit. They also refuse to really address any disputes in a reasonable legit fashion. They are not following the FCRA guidelines and are unwilling to work with me to resolve either one of the illegally reported accounts they claim to have on me to the credit reporting agencies. This company has violated my rights to protected access by leaving messages claiming false statements about debit on public answering machines. One rep spoke with someone other than myself and clearly gave them my personal identifying information including social security number.
Product: Credit reporting or other personal consumer reports

I want you to investigate this inappropriate information on my credit report and after investigating please delete it! 

Account Name XXXX  XXXX Account Number XXXX Date Opened XX/XX/XXXX Balance {$330.00} Account Name XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX Balance {$180.00} Account Name XXXX  XXXX Account Number XXXX Date Opened XX/XX/XXXX Balance {$82.00} Account Name XXXX  XXXX Account Number XXXX Date Opened XX/XX/XXXX Balance {$78.00} Account Name XXXX Account Number XXXX Date Opened XX/XX/XXXX Balance {$27000.00} Account Name XXXX XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX Balance {$650.00} Account Name XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX Balance {$1200.00} Account Name XXXX Account Number XXXX Date Opened XX/XX/XXXX Balance {$1900.00} Account Name XXXX Account Number XXXX Date Opened XX/XX/XXXX Balance {$73.00}
Product: Checking or savings account

Since mid XXXX, they had restricted my account about $ XXXX on deposit someone from their customer service was able to sell some of my stock shares and so I reported it to the company via their app. Since then, Ive been unable to get the restrictions lifted off my account so I can get my money back. They keep sending emails and asking for more information and delaying the restrictions further out in time
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE ASKED THAT THE BANKRUPTCY, XXXX XXXXXXXX/ XXXX XXXX AND XXXX XXXX, AND XXXX XXXX ACCOUNTS BE REMOVED
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXXXXXX XXXX details 0 % paid off Balance {$1100.00} Balance updated XX/XX/2023 Original balance {$1100.00} Account info Account number XXXX Date opened XX/XX/2023 Account type Open account Status - Status updated XX/XX/2023 Payment summary Contact info Name XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Phone number ( XXXX ) XXXX No payment history available to display. 
THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT
Product: Credit reporting, credit repair services, or other personal consumer reports

Tranunion XXXXXXXX XXXX ( XXXX 's XXXX ) requested your credit report on XX/XX/2023.
Product: Money transfer, virtual currency, or money service

Someone stole money from my account. I had no way to reach cash app for assistance.