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

In accordance with Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A . States I have 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: Mortgage

To Whom It May Concern, On XX/XX/XXXX, a closing disclosure was signed for the property located at XXXX XXXX XXXX, XXXX XXXX, FL XXXX. During that time, the Lender ( Originator XXXX XXXX XXXX ) collected {$4600.00} as the initial escrow payment at closing for Homeowners Insurance and Property Taxes. Please see the attached documents. The loan was sold to Mr. Cooper and servicing rights transferred to loan number XXXX. 

On XX/XX/XXXX, the aforementioned property was sold, and the mortgage was satisfied. However, the amount of refunded escrow was incorrect. Once I inquired about the issue with the Servicer ( Mr. Cooper ), it was discovered that XXXX XXXX XXXX never sent the initial escrow funding of {$4600.00} resulting in a negative escrow balance once taxes were paid. The representative I spoke with at Mr. Cooper is XXXX XXXX, Escalations Specialist, XXXX. She confirmed that XXXX XXXX XXXX did not send the money collected at closing. She also provided the two attached files. You will see the amounts were not deposited to my account from the Closing Disclosure where it was collected per the transaction summary. 

XXXX XXXX has made several attempts to contact XXXX XXXX XXXX and has spoken with XXXX XXXX and XXXX XXXX. However, she has stated that they have been uncooperative and unresponsive.
Product: Debt collection

SOUTHWEST CREDIT SYSTEMS Has reached a debt I originally had with XXXX  in XX/XX/XXXX by dropping it from my credit report and reopening in XX/XX/XXXX to make it look like it was just opened. This has had a drastic impact on my credit report. I have also asked for written documentation since I do not agree with amount. Even after a disputes, they continue to report it as new debt. 

I am more than willing to pay with proper documentation and with fixing the proper dates. Im imvestigating on-line, they are well know for reaging collection accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fruad accounts appearing on credit report. 

1. XXXX XXXX {$1000.00} 2. XXXX XXXX XXXX {$3400.00}
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 violates the Customer Financial Protection Act ( CFPA ). Specifically, cashapp failed to take timely and effective measures to prevent and address fraud on their platform. Leaving my account vulnerable and unprotected. Furthermore their resolutions process was unfair and deceptive. As they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulations E. These actions have caused significant financial losses and I seek appropriate redress for these valuations.
Product: Debt collection

This company have been sued by the Bureau of Consumer Financial Protection ( CFPB ), and the States of Minnesota, North Carolina and California for deceptive practices and taking unlawful advance fees. The Court has appointed a Receiver who has suspended the companies operations.XXXX XXXX XXXX, d/b/a XXXX XXXX XXXX XXXX, et al. The companies listed have been sued by the Bureau of Consumer Financial Protection, The State of Minnesota, The State of North Carolina, and The People of the State of California ( collectively, Plaintiffs ) for deceptive and unlawful practices related to their student loan debt relief operation. The Plaintiffs lawsuit was filed on XX/XX/2019, naming as Defendants all of the companies listed, along with their principals. The Court entered a Temporary Restraining Order ( TRO ) the same day, which prohibits any further unlawful conduct and appoints a Temporary Receiver to take possession and control of the business. The Temporary Receiver suspended operations and conducted a review of the business. A copy of the Receivers Preliminary Report can be found in the Documents section of this webpage. On XX/XX/2019, the Court entered the parties Stipulated Preliminary Injunction which extends the restrictions in the TRO until there is a trial of the case. The Receiver has concluded the Defendants business operations can not be operated lawfully and profitably. As such, the operations have been terminated. I applied for this student loan consolidation program as this company posed to be supported by the Department of Education. I have made 3 months payments to this unlawful company, totaling in a loss of {$750.00}.
Product: Credit reporting or other personal consumer reports

These debt collectors engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. more so they didn't follow the proper 5 steps validation procedure which makes his unfair practices. according to the FDCPA i'm entitled to XXXXXXXX XXXX  per violation and clearly they violated my rights.
Product: Checking or savings account

Chime is awful and abusive and they do not care. Here are just a FEW examples b/c your character limit won't let me share more! 
XXXX. ) They declined a transaction repeatedly after I confirmed it was me and NOT fraud. They are the first and only card company to only let you card work for one hour and then they break it again. This is stupid! See pdf screenshot of our text messages. 
XXXX. ) In addition declining my card transactions, they ALSO decline ATM withdrawals of my own money at THEIR ATM. I was forced to use another atm and pay double fees for it. They promised to reimburse for those fees and to this day I have not gotten my money back. See pdf of their own email admitting they declined my transactions IN ERROR - THEIR FAULT! 
XXXX. ) There is no customer service. Allow me to explain this one They got TONS of complaints about email support ( too many people emailed them b/c they had no choice b/c Chine BLOCKS access to a live reps. Email support was useless- they never resolved anything and just replied saying you need to call, we're not allowed to help by email. So TONS of people COMPLAINED to chime about their awful email support. And Chime said hey let 's fix that - I KNOW, LET 'S DISCONTINUE EMAIL SUPPORT and BAM! Look at that.. no more complaints about useless email support .. problem solved! ( yes, sarcasm bc their execs are evil bloodsuckers who give a rat 's XXXX ). 
XXXX. ) Phone support is useless. You have to battle the bot to reach a live rep and it is NOT easy so a lot of customers just give up, which is what they want.. except now you can't email them lol. 
XXXX. ) You are forced to verify your account in the automated system- just to battle a bot before you talk to a person WHO IMMEDIATELY INSISTS THAT YOU VERIFY AGAIN OR YOU CAN NOT BE HELPED. 
XXXX ). The after verifying ( TWICE ) and beating the bot, you are told they are not empowered and they trained to read policy to you again from a script- simply confirming that yes we did that and you're XXXX!
Product: Debt collection

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the account that is reporting on my Credit Reports : MERCHANTS CREDIT XXXXX Balance {$210.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items. 

XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit card

Citi calls me a minimum of three times a day, every single day. This includes weekends. I have told them that I will pay on a certain date, but they still call. They will call as early as XXXX to XXXX. I work a different schedule than most and it affects my sleep. I now have my ringtone on silent. I do not answer my phone anymore. I 've told those close to me to send me a text message and I will call them right back because I am now having XXXX. Often when I have talked to them, I will tell them my situation and say I ca n't pay anything right now and am often negative in my checking account, legitimately. Then will say they understand, but ask if I can make a certain payment amount that is still high. I then have to repeat, I can barely feed myself and am borrowing money from other people.
Product: Credit reporting, credit repair services, or other personal consumer reports

the Equifax credit reporting company continues to report late payment on my student loan accounts with navient, I have explained to them that the account was not in late payment status and that it is in forbearance status for the dates that are reporting as late. the company has sent this proof in written form and it is attached showing that those showing up as late were in fact covered by forbearance status. please update the record to reflect that this account is not in late payment status and that the account was never late IMMEDIATELY as this inaccurate reporting is damaging my name.
Product: Mortgage

Bought house in 2009. Needed to refinance a few years later, due to extreme decrease in income. Wells Fargo ( initially Wachovia ) stated not to pay mortgage for a few months as to prove I could not make current payments, and they would be more likely to be able to refi thru XXXX program. Started making 'trial ' payments while getting paperwork finalized. During process, paperwork procedures changed, and no payments were recorded, to which I switched gears and went thru XXXX to save my home. Wells Fargo HAD to approve program for me to be in it, which included WF receiving funds to bring mortgage current. Wells Fargo was receiving monthly payments from XXXX, and FORECLOSED ON MY HOME WHILE THEY WERE RECEIVING MONTHLY PAYMENTS FROM XXXX, unbeknownst to me. Immediately when payments were done, I contacted WF to finish remodification, to which I was told I would be able to save my home. I worked with the SAME preservation specialist for the next several months XXXX in getting all needed paperwork and signatures to them. The last conversation I had with specialist, was to call the next day after all paperwork was sent in ( for the 3rd time ) and they would be able to give my my new mortgage payment. When I called, as instructed the next day, the SAME specialist told me that WF foreclosed my home 8 months prior. When asked why this information was just being told to me, it was stated that she did n't know this whole time. I called XXXX more time after this to discuss, and was told EVERY time I called, that I would be able to remodify. I then told whichever specialists I spoke to that I was told that WF foreclosed my home, to which they would put me on hold for 20 minutes, then come back and say 'oh yes, sorry. nothing we can do. ' In addition, thruout this entire process, WF has been sending any correspondence to a lawyer, who 's services are no longer retained nor have they been for this whole process, to which WF has been notified several times. In addition, have not been able to make any updates on this home that I have worked so hard to get and to keep. I have done everything WF has instructed me to do, every step of the way, and lost money, a good credit history, faith and countless hours in this.
Product: Debt collection

I believe this debt is not valid and on 2major credit reports this already delete on TransUnion still reporting that this collection is min thus should be delete immediately on transunion Im deputing this debt couse Idont believe this is mine and have an open balance.
Product: Credit reporting or other personal consumer reports

Dear Equifax I have recently checked out a copy of my credit profile and unfortunately, it has come to my attention that some of my personal information is incorrect. If you would please so kind as to delete this inaccurate information from my credit profile within the next thirty days, I would greatly appreciate it. Its my understanding that you have up to thirty days to follow through on my request so if I dont receive any updates from you within that time frame, then I know that these inaccuracies must be removed automatically. Ive listed the details on my personal information in which you are inaccurately reporting and must remove right away. Please see below : My name is XXXX XXXX. I do NOT have any requisite OTHER NAMES or aliases and I do NOT desire any OTHER NAMES or aliases to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 


My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

XXXX XXXX XXXX : Account number : Name, Please remove it from my credit report. 


My SSN : XXXX You are not authorized to report my Social Security Number on my credit report or sell any information containing my Social Security Number to any company. Reporting my social security number on my credit report arises a safety issue and opens me up to potential identify theft. Immediately Delete any and all social security numbers that your company is reporting on my credit report. 

My date of birth is DOB : XX/XX/XXXX. I do NOT have any requisite OTHER Dates of Birth and I do NOT desire any OTHER Dates of Birth to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

I do NOT have any requisite telephone numbers and I do NOT desire any telephone numbers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 


I do NOT have any requisite employers and I do NOT desire any employers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 


I do NOT have any requisite spouses/ roommates/ co-applicants and I do NOT desire any spouses/ roommates/ co-applicants to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 


Thank you, in advance, for honoring my requests. I would like an updated version of my corrected profile as soon as you have deleted the inaccuracies Ive listed above. 


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

some one was using my information i pulled my credit reports and multiple items were identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

A credit card at Citi Bank CNBA was requested using my information as well as a credit report pulled without my authorization. I received a text message stating that my credit was approved.
Product: Mortgage

I am in bancrupcy and thought I was protected from foreclosure. I recently applied for a loan modiciation and/or any program that could help me with Ditech. They took over my nmortgage from Green Tree. I was also using XXXX to help me fill everything out. I got an e mail from XXXX that Ditech needed more info from me. It was unclear to me what exactly they needed and the next message I got was that it was too late and they are foreclosing. Can you please help me?? Im very worried for my self and my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a Debt Validation ( 609 Letters ) dated XX/XX/2022 for verification of accounts listed under my name. This inaccurate information is giving a negative impact on my credit report. I also sent another letter for the method of validation. I have the right, Under FCRA that unverifiable accounts must be removed and it's been more than 30 days, I haven't received any response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to dispute these online via the application using Experian, to no avail.I never authorized XXXX, Department of Education XXXX XXXX XXXX XXXXXXXX, or XXXX  to share my personal information with anyone. This was never a loan. I am aware this entry was merely a creation of numbers and decimals, obtained by my signature. As noted in UCC 1-201 ( 24 ) and UCC 3 ( 104 ). This was a consumer credit transaction. An extension of my own credit, as there has been no real money since XXXX therefore all debt is discharged and otherwise the responsibility of the United States. In accordance with 34 CFR Part 99 and the Privacy Act of 1974, I wish these entries to be removed from my credit report, simply because I did not authorize them. These entries are showing a " current '' report status even though some are 12 years of age. I did not nor do I now consent to my personal information being shared. It is fact that my signature secured this transaction. Please remove these immediately, as this is constructive fraud. 
Reference # XXXX. There are 5 total entries totaling {$24000.00}. XXXX, Experian, and XXXX are not even credit bureaus, they are private agencies playing with people 's lives. Straight fraud!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I was advised to reach out to you all about some accounts on my credit report that I dont know anything about. I went to the bank the other day to start the process to buy a home for my family and my banker was going on my credit and as she was naming things there are several accounts on there I know nothing about. Here are the items that needs to come off because they belong to someone else : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  There were also several inquiries that are not mine : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I really need help with this im doing this by myself and need some help.
Product: Credit reporting or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX Bankruptcy Date XXXX : XX/XX/XXXX XXXX # : XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

My personal information was stolen and compromise. I have file a police report. 
These account were open without my permission. This accounts are with the following collection agency : XXXX XXXX XXXX XXXX XXXX {$1400.00}, XXXX XXXX {$2100.00}, XXXX {$1200.00}, XXXX XXXX {$1300.00} ), XXXX, XXXX, & XXXX ( XXXX XXXX {$2200.00} ) XXXX XXXX XXXX {$960.00} ) XXXX ( XXXX XXXX {$770.00} XXXX XXXX ( {$590.00} ) XXXXXXXX XXXX  ( {$1900.00} ) XXXX  ( {$240.00} )
Product: Credit card or prepaid card

The message said Chase Fraud : Did you use your card **** at XXXX on XX/XX/24. Reply yes or no standard messaging rates may apply. 

This was a text message from a number XXXX. It was not a phone number. What was bothersome was they actually put the last XXXX of my credit card in the text, and they knew that those XXXX numbers belonged to my card at that bank. But thats what made me think it could have been legit. I almost clicked NO, I didnt use it there. But before I did that I asked my son, he suggested checking my bank acct to see if there was a charge to XXXX. But since there wasnt, I saw no reason to answer that text. Plus my first gut reaction was possible something fishy was going on. I would think my bank would contact me another way regarding fraud.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions Equifax consistently responds within 24 hours stating the account is accurate without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the consumer financial protection act ( CFPS ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in CFPBs recent administrative proceeding ( File No. 2025 CFPB 0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

Accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX