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

I am not convinced that you have suitably fulfilled the policies of the Fair Credit Reporting Act in doing your evaluation. I have to pursue my efforts to resolve this matter which required intent to my personal credit report. I am frustrated because the inaccurate item is still reported on my personal credit report which is not clearly stated the accuracy and verification of the information. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please correct the account and remove the late date XXXX XXXX XXXXXXXX
Product: Checking or savings account

I purchased a certificate of deposit from XXXX XXXX   XXXX XXXX  in XXXX in the amount of {$4000.00} at an interest rate of 3.4 % compounded daily with no time limits and it had automatic renewal. XXXX XXXX   was bought out by another bank, I believe the name was XXXX XXXX XXXX, a couple years later and all the benefits I had with XXXX were grandfathered with XXXX XXXX XXXX. About a year or so later ( approx. XXXX ) XXXX XXXX XXXX  was purchased by Wells Fargo Bank and again all my benefits were grandfathered to me. In fact, the member account number I had with XXXX XXXX  was the same number used by Wells Fargo. In late XXXX, XXXX I went to my local Wells Fargo branch at XXXX XXXX XXXX XXXX, XXXX, WA to cash out my certificate of deposit. As best as I can calculate, it is now worth over {$9000.00}. I spoke with XXXX XXXX, who made a copy of my CD and she called corporate, who advised that the money was likely turned over to the Washington State Found Property division. Let me make very clear that I have been an account holder with Wells Fargo ever since XXXX assumed ownership of my account. They have had my address, phone number and email address during the entire time. XXXX is refusing to honor my CD, claiming they can not find a record of the CD in spite of acknowledging that it is a genuine CD. Not only do I have the CD but I also have the withdrawal slip from XXXX, withdrawing {$4000.00} from my savings account on XX/XX/XXXX, XXXX and a savings deposit in the sum of {$4000.00} for the purchase of the CD, also on XX/XX/XXXX. I spoke with branch manager XXXX XXXX numerous times over a month 's time and he kept putting me off saying that they were still searching for records of my CD. In the meantime I contacted the Washington State Found Property division and there was no record of Wells Fargo or the previous two banks previously mentioned having deposited money in my name in found property. Besides, XXXX has had my contact information the entire time I have been an account holder. At no time have any of the three banks contacted me regarding the CD I hold. Finally, on XX/XX/XXXX I received a call from branch manager XXXX XXXX notifying me that Wells Fargo would not honor my certificate of deposit using the justification that they could not find a record of the CD. Wells Fargo has a fiduciary responsibility to honor the liabilities associated with the purchase of another bank. That they can not find a record of the CD does not waive their duty to honor their financial responsibilities. I am attaching a scanned copy of the CD and the two bank slips. Be aware that though in the scanned image at the top of the CD the name XXXX XXXX  and their logo look black, they are actually embossed in gold but my scanner was not able to capture the metallic gold embossing.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information is not information relating to any transaction. I am a victim of identity theft and did not make the charge. The item listed should be blocked, removed and suppressed for this is fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XXXX XXXX XX/XX/2015 {$7800.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several accounts that I did not consent to be on my consumer credit file. I've sent in several requests to remove unauthorized information on my consumer credit file to this company directly. Instead of removing the accounts, they've chosen to simply " parrot '' verification from untrustworthy sources. They have willfully chosen not to comply with my demands. I have attached a document detailing my dispute.
Product: Credit reporting

I was directed to annualcreditreport.gov which sent me to FTC consumer mationinformation wed site, free credit reports, which then directed me to thelink annualcredit-report.com, clicked on request your free credit report XXXX XXXX took me to XXXX clicked on request your free credit reports, which took me to XXXX filled in all my personal information as well as XXXX, & clickedon NEXT ; this is what I got instead of my credit report : There is no Action mapped for namespace [ XXXX ] and action name [ null ] associated with context path [ XXXX ]. 
XXXXSo now I 'm wondering if this website is a scam, and I 'm afraid someonehatched my information. Whose website is this that your agency is send-XXXX me to. Can you please explained to me what happenedhere. Many people are directed beside myself to this website! 
Thank you for your attention to this grievous situation.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns Regarding Zelle handling of disputes, particularly in light of recent CFPB lawsuits highlighting significant issues with the platform. Despite using Zelle numerous of times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack accountability and raises serious concerns about customer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 
SANTANDER XXXX Date opened XX/XX/2015 Balance {$0.00} XXXX  ( XXXX ) SANTANDER XXXX XXXX XXXX Date opened XX/XX/2015 Balance {$0.00} XXXX ( XXXX ) SANTANDER CONSUMER USA XXXX XXXX opened XX/XX/2015 Balance {$0.00} XXXX ( XXXX )
Product: Mortgage

I was given a misleading " loan modification '' by Nationstar Mortgage. What they gave me was a loan forebearance, disquised as a loan modification ( see the attached documentation ).   My payment for the initial two years has been {$1600.00}.   I received a notification " of the successful complettion '' of my loan modification, and informed that my new payment effective  XXXX   XXXX , will be {$6400.00 } ( an  increase of over 400 % ).    NationStar tol d me that I qualified for a new affordable payment, and that it would be extended if I made my payments on time. All payments have been made on time.   This is a consumer loan. A loan on my personal residence. I can understa nd a 25-50  % increase. A 400 % increase is criminal and must also be a violation o f Dodd Frank  laws.   The irony of this situation is that my original countrywide loan was an adjustable loan at 2.00 % over 12 month treasuries ( currently under 3 % ). Had the loan never been " modified '', My payment would be several  thousand  dollars less than they expect me to pay them in  XXXX . My loan balance also significanty less than it currently is. They also want me to pay back the entire loan, over the remaining 19 years.   I have written to th e Chairman and CEO, and have not been offered a solution. If their intention was to push me into a short sale, why did they trick me into making payments to them in good faith, over the past two y ears?   There is no equity in my proper ty ( it 's w orth {$100000.00} less than the current loan balance ).   Unfortunately refinancing with another lender is not an option.   I 'm sure that I 'm not the only  Nationstar  customer that in this situation.   I 've attached all supporting documents.
Product: Money transfer, virtual currency, or money service

I am filing this complaint against Cash App XXXX 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

Starting receiving letter about debt, credit cards, and transactions on my bank accounts of fraudulent activities. i called banks of American express, XXXXXXXX XXXX and XXXX XXXX Reported to them about my situation and yet nothing has happen. i have not received new cards, accounts did not close, and they never fixed my disputed problems. i notice most the problems on XX/XX/2024. only company able to help me and respond was XXXX. there are names i am unfamiliar with that show up on my accounts varies of time. i have no associate to those companies or names.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. BANK OF AMERICA XXXX Date Opened : XX/XX/XXXX Balance : {$8900.00}, BANK OF AMERICA XXXX Date Opened : XX/XX/XXXX Balance : {$3100.00} If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

My XXXX reports are inaccurate. These inaccuracies are causing XXXX to deny me XXXX. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am worn-out of sending dispute letters to Equifax requesting that they correct this mistaken account being stated on my Credit File because they have been doing nothing! This complaint is to follow up my prior protests and letters I submitted on XX/XX/XXXX and to notify them that I am halfway of taking lawful action and litigate Equifax for their headstrong nonfulfillment of the FCRA statute. Only if they took time to update and correct the account on my Credit report, then I may halt filing proceedings against Credit reporting agencies. The account that should be adjusted is : XXXX XXXX CT XXXX XXXX XXXX XX/XX/XXXX Balance $ XXXX Late Date XXXX
Product: Mortgage

We applied through owcen a modification 6 times to get our payment lowered and every time we sent in the paperwork they said it was incomplete even though we talked to them each time we sent the paperwork in to make sure it was all correct before we sent it in we have been doing this for over a year now and fell behind on the payments we tried to contact them and request documents so we could at least refinance to clear up the past due balance and they would not send us what our credit union needed to finalize this process So we then decided to sell the home and take our losses so we hired a Realestate company went through them got a offer and ca n't get owcen to give us a contact person to discuss a quick sale before the foreclosure auction even though we have a buyer willing to buy the home this is crazy and I tell everyone that I know that owcen is not a good company to work with so they can try to auction the home or at least talk with the realtor company and accept the offer on the home and recoup their losses I 'm so frustrated and tired of dealing with all of this then we received a letter from owcen that the loan was obtained by another company thennothing from them either and owcen is still the primary what does that mean? The letter they sent is invalid? What the heck a very frustrated home owner
Product: Credit reporting or other personal consumer reports

XXXX. Background and Issue I am a victim of identity theft as a result of the XXXX data breach, which exposed my personal information and led to unauthorized accounts appearing on my credit report with TransUnion. Despite my formal written request to TransUnion to block and delete these fraudulent accounts, as permitted by the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681c-2 ( a ), TransUnion has not complied. 

XXXX. Details of Unauthorized Accounts I specifically requested that TransUnion block and delete the following unauthorized accounts from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) Account Number : XXXX XXXX XXXX  XXXX Lender Account Number : XXXX These fraudulent accounts are damaging my credit report and exposing me to potential financial harm. As a victim of the XXXX data breach, I have taken every possible step to protect my identity, yet XXXX refusal to act is obstructing my efforts to mitigate the consequences of this breach. 

XXXX. TransUnions Failure to Act Under 15 U.S.C. 1681c-2 ( a ), TransUnion is legally obligated to block and delete fraudulent accounts from my credit report upon receiving notice and proof of identity theft. However, TransUnion has neglected to take the necessary steps to remove these unauthorized accounts, disregarding my rights as a consumer and compounding the harm resulting from the data breach. 

XXXX. Request for CFPB Assistance I am seeking CFPBs intervention to ensure that TransUnion fulfills its legal responsibilities under the FCRA by : Promptly blocking and deleting the unauthorized XXXX XXXX  and XXXX XXXX  XXXX XXXX accounts from my credit report. 
Providing written confirmation of these actions. 
Offering clear communication regarding the resolution of my request.
Product: Mortgage

We thought that we resolved this issue with DOVENMUEHLE MORTGAGE INC and have a letter from them, to both Consumer Financial Protection Bureau and us, stating that they would resolve the issue and that they had sent a check to rectify their mistake to our escrow account, however our new mortgage company has not received the check for {$6000.00} that they stated to have sent to our new mortgage company, XXXX XXXX, on XX/XX/2020. I have tried to get an answer as to why I have not received the funds that they stated were owed to us, only to get a different answer every time I call. I have tried to resolve this issue with them, again. After 3 months of waiting, we would like to know why we have yet to receive our escrow money in the amount of {$6000.00} sent to our new mortgage company. I have attached the letter that DOVENMUEHLE MORTGAGE INC sent us stating that they sent us our missing funds on XX/XX/2020. The letter is dated XX/XX/2020. We have still NOT received the check.
Product: Credit reporting or other personal consumer reports

There are some inaccurate late payments being reported on my consumer reports but I don't have any recollection of ever being late on any account nor have I received any written notices from the furnishers stating that they were going to furnish negative information on my consumer reports. Please modify the information on my report to paid as agreed never late pursuant to section XXXX of the FCRA.
Product: Credit reporting or other personal consumer reports

Complaint Against Wells Fargo Incorrect Credit Reporting Case Number : XXXX Wells Fargo has wrongfully reported a missed payment on my account due to a systemwide error, which their own representatives admitted to me and which has been widely reported online. This error resulted in an improper interest charge that Wells Fargo later refunded, but they have refused to correct the inaccurate credit report that has caused a drop in my credit score. Despite multiple escalations over several months, Wells Fargo continues to send generic responses stating my case has been reviewed and closed, without addressing the core issue or correcting their mistake.

Under the Fair Credit Reporting Act ( FCRA ), Wells Fargo is required to ensure accurate reporting. Their failure to correct an admitted error is harming my financial standing and is a clear violation of federal law. I request immediate intervention to compel Wells Fargo to fix their inaccurate reporting and notify all major credit bureaus of their mistake. If this is not resolved, I will be pursuing further legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX # XXXX. 

SLS has admitted their error. Why do they need an additional 60 days to correct my credit report when they have admitted their error, and after admitting the error, reported me late to the credit bureaus. 

SLS is refusing to comply with the Fair Credit Reporting Act. They do not need 60 days to contact the 3 credit reporting agencies. A fax or an email takes 2 minutes. They are stalling, have poor business practices, and are refusing to comply with the Fair Credit Reporting Act. 

What are you going to do about this company?
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Your recent business practices have been distasteful, reckless and irresponsible. The dereliction of your lawful duties to protect my consumer credit report from inaccurate information represents either the willingness to participate in fraudulent activity or malicious incompetence by your companys staffed employees. My disputes have not been taken seriously. 

This letter is a formal complaint addressing the reporting of inaccurate and incomplete credit information within my credit profile. I am deeply concerned that inaccurate information has been included in my credit report, and its distressing that theres been a failure to uphold reasonable procedures to ensure the maximum possible accuracy in the credit reports published.

According to the Fair Credit Reporting Act ( FCRA ), Section 609 ( a ) ( 1 ) ( A ), theres a federal obligation to verify the authenticity of any and all accounts posted on a credit report by physically verifying the original signed consumer contract. Failure to do so opens the possibility of fraudulent accounts being included through fax, mail, or email submissions. 

I demand verifiable proof, such as an original consumer contract bearing my signature, for the accounts listed below. Failure to provide this proof signifies a violation of the FCRA : The following accounts are not associated with me and indicate potential identity theft or fraudulent reporting : XXXX XXXX XXXX  XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hard Inquiry from : XXXX XX/XX/2022 I demand immediate removal of these accounts from my credit report. 

I am also invoking FCRA Section 605B, which specifically addresses identity theft and the obligation of credit reporting agencies to block fraudulent information resulting from identity theft. Given the inclusion of current and previous accounts that do not belong to me, I urge an immediate investigation into potential identity theft concerns and request that these fraudulent entries be blocked from my report. 

Moreover, I respectfully request proof of these alleged items, specifically the contract, note, or any instrument bearing my personal signature. Failing that, these items must be promptly deleted from the report. The inclusion of such entirely inaccurate and incomplete information represents a serious error in your reporting. 

Under federal law, you have thirty ( 30 ) days to complete your investigation. I also request that the description of the procedure used to determine the accuracy and completeness of the information be provided within fifteen ( 15 ) days of the investigations completion. 

Furthermore, I demand the names, addresses, and telephone numbers of each credit grantor or other subscriber to my credit report. 

Your immediate attention to this matter is imperative to rectify the potentially fraudulent entries affecting my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not open the account and would like to dispute as fraud. My identify seems to have been stolen and used without my knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  account XXXX, XXXX XXXX XXXX account XXXX, XXXX XXXX XXXX account XXXX, XXXX XXXX XXXX account XXXX, XXXX XXXX XXXX account XXXX, XXXX XXXX XXXX account XXXX, XXXX XXXX XXXX account XXXX, XXXX XXXX XXXX account XXXX, XXXX XXXX XXXX account XXXX, XXXX XXXX account XXXX, 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