23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I am writing to file a formal complaint against FEB/Destiny XXXX, XXXX the mishandling of my account, resulting in unjustified late fees, interest charges, and damage to my credit score.

The events in question took place in early XXXX. In XX/XX/XXXX, I made a payment of {$740.00} through the online portal of my FEB/Destiny account. The payment made wasn't reflected and as such the payment was made several times without being reflected on my account. I called the company for support with the error on the website to prevent these payments from being processed multiple times. Despite my attempts to rectify the situation, the company informed me that they would not cancel the transactions. Consequently, my account was automatically closed without any prior warning because of the payments being returned by my bank. Notably, the company failed to inform me properly of the closure. My online payment portal did not reflect the closure, leading me to continue making payments as usual. 

It wasn't until late XXXX or early XXXX that I discovered my account was closed when my card was declined. At which point, I made several large payments towards the closed balance, with the intention of clearing the debt. Despite these efforts, the company continued to report my payments as late to the credit bureaus and imposed additional late fees and interest charges. 

Below are the details of the payments made towards the closed account : XX/XX/XXXX : {$150.00} XX/XX/XXXX : {$60.00} XX/XX/XXXX : {$140.00} XX/XX/XXXX : {$460.00} Despite not having access to the line of credit or its services, the company unjustly assessed late fees and interest charges, further compounding the financial burden. 

I attempted to address the issue by contacting the company to understand why my payments weren't reflected on my online portal. However, their response was inadequate and failed to resolve the matter. 

This situation has caused significant financial distress and has adversely affected my credit score, which has far-reaching consequences. I believe that FEB/Destiny has violated fair lending practices and has failed to adhere to proper consumer protection regulations. 

I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action to rectify the damages caused by FEB/Destiny 's actions. 

Thank you for your attention to this matter.
Product: Money transfer, virtual currency, or money service

My account was hacked robbed and than you guys closed it down I need answers now
Product: Mortgage

Wells fargo denied my loan modification based on inaccurate information .Theu claimed I have a transportation expense when indeed when the correction of that was relayed via overnight certified mail and verbally to their home retention unit and XXXX XXXX month ago.Without a transportation expense I most certainly do qualify to get this modified taking XXXX % of the rents ( {$1300.00} ) by wells fargos models ( with this trANSPORTATION expense backed out would certainly cover a hypothetical 30 year note payment at market intrest with aggragate balanced arrearage owed included.Enough is Enough.wELLS IS LOOKING IN EVERY WAY TO STOP THIS MODIFICATION FROM HAPPENING.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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
Product: Money transfer, virtual currency, or money service

Iam 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 timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution requirements 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 and inconvenience and financial loss, and I seek appropriate redress for the violations.
Product: Credit reporting or other personal consumer reports

Experian allows you to freeze and unfreeze your credit report thru ( 1 ) An automated phone number, ( 2 ) Their website, or ( 3 ) By mail. We could not get options 1 and 2 to work for us, so we carefully followed Experian 's instructions for requesting the unfreeze by mail. We provided all required documentation for both of us. We sent both our information in ONE ENVELOPE via overnight delivery. My husband 's credit file has since been unfrozen, but mine has not. I am unable to get through to anyone on the phone.
Product: Credit card or prepaid card

On XX/XX/2022 Wells Fargo made a {$11000.00} payment to XXXXXXXX XXXX  to transfer the balance. Wells Fargo then again on XX/XX/2022 mistakenly and without my authorization or request made a second payment of {$10000.00}. This caused an overage of payment and a credit balance with XXXX, but also created a situation where I am now {$10000.00} over my " credit limit ''. Wells Fargo is charging me two transfer fees and over-the-limit fees. This was 100 % their mistake. I called after my card was declined and Wells Fargo said I have to work out the refund with XXXX! I was told I had to call XXXX  and request a refund and then pay them back. The credit card company who made the payment should be able to work directly with the credit card company who received the over-payment. I as the consumer should not be harmed by this mistake either with fees, penalties or poor credit reporting. I have no control over what CC companies pays another and yet the solution had landed squarely in my lap to " fix '' this mess.
Product: Vehicle loan or lease

My husband and I paid off our auto loan with XXXX XXXX XXXX in entirety on XXXX XXXX, XXXX. It is now three months later and we still do not have the title. We have wasted countless hours on the phone trying to track it down. Our mail was being forwarded from our previous address, and we have had no issue receiving anything else. 



My husband spoke with XXXX XXXX who mailed us a form to fill out to get a duplicate of the title, which he had to go to the trouble of filling out, gather supporting documentation, and sending to the DMV in NJ - and waiting. We contacting the NJ DMV before the holidays and were told they were backed up and it could take weeks. This is now directly affecting the proper legal registration of the vehicle with the state of Florida. 



I would like to know exactly where the original title is at this moment? XXXX XXXX XXXX felt they could lecture me over a late payment and " not being a responsible person '' - yet my entire title is now missing? I have had to pay late fees when I drop the ball, so what consequence is the bank facing for losing my property? 


We paid off our loan, and should have had our title months ago. There is no excuse for this and an apology is simply unacceptable at this point. I would like the bank to obtain my title so I can properly register my vehicle immediately. I would also like every late fee I have ever paid to the bank to be redistributed to me as they should be held to exactly the same standard as their customers are. If the shoe was on the other foot the bank would be seizing my vehicle. This is not acceptable and I would like a proper explanation as to how this is okay for a financial institution to operate. We will be seeking legal action if this matter is not resolved in the coming weeks.
Product: Credit reporting or other personal consumer reports

I'm wanting these hard inquiries to be deleted because I did not authorize these companies to run my credit, which is fraudulent. 

XXXX XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX Date XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX on XX/XX/year>, I did not request a card through them. 
XXXX XXXX XXXX XXXX on XX/XX/year>, I did not request a card through them. 
Capital One Bank USA XX/XX/year>, I did not request a card through them. 
I have frozen my report since these inquiries and have gotten numerous notifications that someone out there is trying to use my information to obtain credit since I have frozen my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised by student aid that my identity was compromise, and use to access my account. As a result, they did suspend my account and currently I do not own a student aid account. I have disputed this information multiple times, and attached the verifying email that was sent to me. 

XXXX XXXX has not remove these accounts, which came from no transactions, made by me with my Social Security number I have been a victim of identity fraud multiple times.
Product: Debt collection

Creditor informed me that I had time to pay debt, however, debt was immediately sold to a collection agency which has reported this account to my credit report as a collection account.
Product: Credit reporting, credit repair services, or other personal consumer reports

three XXXX XXXX XXXX accounts and one XXXX accounts is being reported under my name with equifax credit reporting agencies. 
these are fraud account and not mine, its says it was attached to a bankruptcy, but i never even had a bankruptcy in my life, and these accounts are attached to a bankruptcy which i never had. 
i will be attaching the some documents that i provided equifax as well such as my police report and the FTC report please find attached thank you for your cooperation
Product: Bank account or service

I deposited a check made payable jointly to me and my wife into a joint checking account with my endorsement. I have done this before at my bank 's branch without any problems. Most recently I deposited this check without any problem. The teller accepted the check for deposit. 

Days later the funds were removed from our account. Our balance overdrew, and we were told my wife must endorse the check. Supposedly the check ( which has already been endorsed by one of us ) is in the mail back to us. It has been a week, but we do not have it. We were told, at first, there was a XXXX tracking number ; now there is no tracking number after all. 

Had the bank refused the check without endorsement from both parties, it would have been endorse by my wife in twenty minutes. Instead the bank took the check, then took the funds, and it has not given either the check or the funds back.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, hi XXXX I recently obtained a copy of my credit report and you are currently reporting debt to my credit report and as allowed under the Fair Debt Collection Practices Act, I am requesting that you allow me to validate the alleged debt. Please provide me with a breakdown of all charges, dates of service and procedures given including fees associated. 

Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission for XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX release my medical information to a third party I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows ; Validation of Debt and HIPPA Authorization - Please provide a breakdown of fees including any collection costs and medical charges - Provide a copy of my signature with the provider of service to release my medical information to you - Cease any credit bureau reporting until debt has been validated by me Please send this information to my mailing address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA. 
Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt.

Additionally, and reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from your collection agency. I will await your reply with the above requested proof. Per the standard, you have 30 days in which to respond to this request, or this debt will be considered invalid, and removal from the credit bureaus expected or damages will be sought after. 

All accounts in dispute listed below : Account number : XXXX Elevate recoveries llc
Product: Mortgage

Rocket Mortgage sent me a letter they are going to disburse {$1600.00} to pay for insurance that I already paid and they do not hold in escrow. This will artificially and fraudulently look as though I am low on my account, which I'm not. They do not have an escrow account for my homeowners insurance. They have all of the documenation from the insurance company that the homeowners insurance has been paid in full. They refuse to acknowledge this in writing only over the phone. I want it in writing as well to head off and potential problems with Rocket Mortgage since they have been unethical, if not illegal, in dealings with me in the past. I am trying to head off a problem. Rocket Mortgage advised that I should submit a complaint to XXXX if I don't like it. So here it is.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is Violating my Right as a consumer. Under 15 U.S. Code 1681c2 ( a ) ( 1-4 ) and 15 U.S. Code 1681b.

This is my third complaint for TransUnion!

These accounts below are a result of identity theft! One complaint was filed XX/XX/XXXX and the other XX/XX/XXXX. 

XXXX act # : XXXX XXXX Act # : XXXX Ive attached all the original documents from my first two complaints and one where XXXX has blocked and deleted the account. Therefore by law you should do and report the same.
Product: Credit reporting or other personal consumer reports

XX/XX/2024 Dear Consumer, Financial Protection Bureau, I am writing to formally dispute inaccurate information on my credit report maintained by XXXX, Equifax, and XXXX. I believe that these credit bureaus have violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681a ( 2 ) ( A ) ( i ), by improperly reporting information about my account. 
The disputed information is a late payment that was improperly reported on my credit report. These late payments is in direct violation of FCRA law and negatively impacted my credit score. 
I am requesting that the aforementioned credit bureaus immediately investigate this matter and correct the inaccurate information. I request that the late payment be removed from my credit report and replaced with a notation stating that the account is " paid as agreed '' or is in " good standing. '' I have attached copies of my credit reports for your reference. I am also enclosing supporting documentation that demonstrates the inaccuracy of the reported information. 
I understand that under the FCRA, I have the right to dispute inaccurate information on my credit report. I am requesting that the CFPB investigate this matter and take appropriate action to ensure that my credit report is accurate and complete. 
Furthermore, I would like to point out that according to 15 U.S.C. 1681a ( 2 ) ( A ) ( i ) of the FCRA, a consumer report does not include : Information solely as to transactions or experiences between the consumer and the person making the report ; Communication of that information among persons related by common ownership or affiliated by corporate control ; or Communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated to direct that such information not be communicated among such persons. The late payment reported on my credit report falls under the category of information solely as to transactions or experiences between the consumer and the person making the report. As such, it should not be considered a consumer report and should be removed from my credit file. 
I believe that this inaccurate information is in violation of the FCRA and is causing me significant harm. I request that the CFPB take immediate action to address this issue and ensure that my credit report is corrected. 
Thank you for your prompt attention to this matter. I look forward to your response.
Product: Debt collection

N accordance with the Fair Credit Reporting Act United Auto Credit account number # XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the rights 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
Product: Mortgage

I have many complaints with the company PennyMac. First, I did not choose to do business with this company. In fact when I applied for the loan I was told it would be sold to a different company and then it got sold to this company. This company has been extremely difficult to deal with as they refuse to send information in the mail as requested. ( I have requested that they send me in writing via XXXX XXXX mail their process and requirements for doing a recast. Their amount needed to recast is far higher than any other company I've ever dealt with. They also refuse to be exactly clear on what they constitute as good funds. Everytime I deal with them they constantly add new conditions or change what they said. They delete messages through their message system in too short of timeframe and never notify me that there is actually a response to my problem. Most recently they notified me that their was an escrow shortage and told me that they I could reduce the monthly payment by paying extra escrow. I did pay extra on the escrow and they have refused to reduce the escrow amount. They now claim that only a larger payment can reduce the monthly escrow and refuse to refund the amount paid. I only made extra escrow payments on the condition that it would reduce the monthly amount because they were unclear that I needed to make a very large payment to reduce the escrow amount. Every other company I have dealt with has reduced the escrow payment needed by adding even a little additional escrow. I have asked to opt-out of all sharing and marketing. They send deceptive marketing with envelopes saying important loan information when all it is is a deceptive marketing ploy to get a refinance at a much higher rate. Marketing is never important, to the consumer.
Product: Credit reporting or other personal consumer reports

Dear Transunion, I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Under the FCRA, if disputed items can not be
verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt colle
ction. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, a derogatory mark was added on my credit report per XXXX XXXX from Collection Consultants Of California for the original amount of {$320.00} which has increased to {$420.00} and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), upon further research, this account was transferred/sold, and I am no longer responsible for the account. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPPA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX to release my medical information to a third party. I am aware HIPPA does allow for limited information about me but anything more is to only be revealed with the patients authorization. My request, therefore, is twofold -validation of debt and HIPPA authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to dispute some accounts that is on my credit report that been impacting me very negatively. The accounts on the report was incorrect, inaccurate or inconsistent. I have ask them investigate those account multiple times they have yet responded to me on if the accounts was verified or accurate. They havent example where they verified or showed proof of any accuracy nor have they told how they are communicated with the creditors who are reporting these accounts. 

Below are the accounts : CAPITAL ONE {$0.00} XXXX XXXX I AUTHORIZED CFPB to receive information on my behalf