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

On XX/XX/year>2025 I have received an hard inquiry from XXXX of Bank of America that I did not unauthorized, therefore I did not give permission for my credit to be ran. On XX/XX/year>2025 I filed a dispute with XXXX about the inquiry.
Product: Debt collection

PHH Mortgage Corporation d/b/a PHH Mortgage Services ( " PHH '' ) by and through XXXX XXXX XXXX ( " Attorneys DM '' ) and the latter 's employee XXXX XXXX ( " Attorney XXXX  '' ) caused a false response to be forwarded to the Consumer Financial Protection Bureau ( " CFPB '' ) by use of wires in violation of 18 U.S.C. section 1343 that is enclosed hereto as Exhibit A, by falsely stating that I defaulted upon the subject mortgage loan as of XX/XX/XXXX, contradicts the XX/XX/XXXX date of default declared under penalty of perjury by PHH 's predecessor Litton Loan Servicing LP  ( " XXXX '' ) to the Superior Court of New Jersey by foreclosure debt collection complaint filed JXX/XX/XXXX under Docket No. : XXXX, a true and correct copy of which is enclosed hereto as Exhibit B.

Within the XX/XX/XXXX response to the CFPB enclosed hereto as Exhibit A, PHH by and through Attorneys DM and Attorney XXXX are concealing approximately {$21000.00} in monthly payments that I made towards the subject account from XX/XX/XXXX through XX/XX/XXXX, of which approximately {$16000.00} was cashed by PHH 's predecessor and / or affiliate Litton Loan Servicing LP ( " XXXX '' ) and never credited towards the subject account. I hereby ( submit ) again to the CFPB as Exhibit C checks totaling {$15000.00} that I made, PHHs predecessor XXXX cashed and failed to credit my account for the monthly payments of principal, interest, taxes and insurance declared due towards the subject mortgage loan for XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ;XX/XX/XXXX ; XX/XX/XXXX ;XX/XX/XXXX ; and XX/XX/XXXX. I further submit ( again ) to the CFPB as Exhibit D checks totaling {$5100.00} that I made, PHHs predecessor XXXX received and rejected without good cause for the monthly payments of principal, interest, taxes and insurance declared due towards the subject mortgage loan for XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX.

I further object to and reject the false statement made within the response electronically submitted to the CFPB by PHH through Attorneys DM and Attorney XXXX, that PHH has provided me with all the information that I have been requesting since XX/XX/XXXX to present date by way of debt validation letters, qualified written request, and presentation of transferable record pursuant to applicable federal laws, for which they have responded with : ( 1 ) incomplete responses ; ( 2 ) no responses at all ; and / or ( 3 ) contradictory and / or forged evidence.

Essentially, PHH as the successor of XXXX has stolen at least {$15000.00} from upon taking and cashing the payments that I made to XXXX XXXX  for the months of XX/XX/XXXX through XX/XX/XXXX without crediting the subject account. Attorneys DM and Attorney XXXX are, essentially, aiding and abetting said theft of my monies and attempted theft of my property by PHH as the success of XXXX upon falsely stating to the CFPB onXX/XX/XXXX that I defaulted as of XX/XX/XXXX ( See Exhibit A ) when the evidence that I have enclosed hereto as Exhibit B ; Exhibit C ; and Exhibit D demonstrates otherwise.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, I applied for a loan from XXXX XXXX on XX/XX/2018 for {$12000.00} and they approved me for it with 36 months, interest rate 29.41 % and APR 35.36 %. They gave me about {$11000.00} and they started billing me couple weeks after receiving the money. I appreciated the fact that they offered me the loan and started paying them immediately {$510.00} in XXXX and {$500.00} in XXXX and in XXXX I mailed them the balance in full of {$11000.00} after I called them and confirmed the amount we should be sending, My local Credit Union mailed them the balance in full and they chose not to cash it till days later so they could charge me a late fee and now they put it on my credit after I called them more than once and fully disputed the charge with them. Now I am reaching to you to help me with this company to remove this erroneous reporting on my credit report. 
Thank you
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 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 redres : + for these violations.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions. As proof I have attached my navy federal profile screenshot.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX {$2100.00}. I did not authorize this transaction and Im not aware of this debt. According to the fair credit reporting act I should have been sent a statement regarding the debt that would allow me 30 daysto respond or dispute the debt. I would like to see proof of a contract or signature that I provided.
Product: Credit card or prepaid card

Company involved closed my account on XX/XX/2021. Had a {$9000.00} credit limit in good standing. No late or missed payments, always paid on time and was paid off early. Could not get an honest answer from anyone. Asked for supervisor and all he said was my account was closed because of past credit problems. Now my credit score dropped 27 points.I originally got this card to help with my credit and it had but now my score is lower than what it was before even having this card.Why was I approved in the first place if it was because of past credit issues and then close account and tell me it was because of past issues. Doesn't make any sense. Now as I stated my score dropped 27 points. My girlfriend is also on this account and her score only dropped 2-4 points. All the supervisor told me was that they can close an account at their discretion at any time and he hung up on me after having to call them back 3 times because of being on hold for over 16 mins. I realize my score will drop after a closed account but 27 points. They told me there were certain standards that they go by but when I asked them they couldn't or wouldn't tell me what they where.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already sent a CFPB report on deleting this account that was not authorized by me to furnish and this account was not opened by me. I have been a victim of identity theft and due to that my lively hood has been damaged I have suffered a lot due to my credit score remaining low. Account : XXXX XXXX  XXXX
Product: Debt collection

I have an issue concerning 2 collections being reported to the credit bureaus in my name. The information is inaccurately reported and listed. The collection agency has never once provided me with any information regarding this debt, its origin or other history. I received nothing via mail, nothing from an attorney or any other mailed document in regard to this item. 

I am disputing under the grounds of inaccurately reported information as outlined in the Fair Debt Collection Practices Act with specificity to information illegally listed without documentation. I have disputed the information on those grounds and am asking this agency to place this complaint on the record and to assist in overseeing the collection agency in fulfilling its compliance with my request. 

I am prepared to seek legal redress for this activity and respectfully request that this complaint be placed on the record.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experia

n has not fixed inaccuracies. Sent documentation from XXXX XXXX and Other 2 Bureaus are Correct on my XXXX XXXX acct. Why is Other bureaus accurate. Something is wrong with these clowns. My relevant document is attached fix now. once again will add document. Fix immediately or would take further legal actions per the FCRA.
Product: Checking or savings account

They ended up closing my account and sending me the rest of my money in the account never explained what happened and I was XXXX  to open another account with them in XXXX XXXX 2022
Product: Checking or savings account

Deposited a check on XX/XX/XXXX in the amount of {$3100.00}. Checking account opened in XX/XX/XXXX ( more than 30 days ago ). Check amount less than {$5000.00}. Account never overdrawn. Truist not abiding by Federal Reserve availability of funds policy/act. Truist not making any funds available until XX/XX/XXXX. Need to fine or hold them accountable.
Product: Vehicle loan or lease

I paid off a Hyundai over 15 months ago, and I have been unable to get Hyundai Finance to release an electronic lien since then, so I can not get the title. I have called Hyundai Finance 9 times, been to the XXXX 4 times ( who have been great, by the way ), and even went to a Hyundai dealership, but still no title. I have received two affadavits from Hyundai Finance showing the loan is paid off in full, but they have been unable to clear the electronic lean after numerous calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$34000.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$580.00} ; XXXX XXXX XXXX Balance : {$6500.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$8700.00} ; XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To recap the events from XX/XX/2023 to now, in XXXX a fraudulent check in the amount of XXXX was deposited into my checking account by perpetrators. The funds were then tried to be withdrawn by the perpetrators, which resulted in my account being frozen. I contacted customer service as I tried to log into my account via mobile app and saw my account no longer existed. I then was told a fraudulent check was deposited into my account. I couldnt believe or understand HOW this could have happened. My phone was indeed stolen before with my bank information present as well as my card which at the time I thought was misplaced. I was told my case was under investigation and would be resolved within 30 days repeatedly. I was told the fraud claim was closed and that I would receive MY funds in my account back. I called repeatedly & again on XXXX XXXX  and was told there was no update, that my funds were still frozen but the representative said a work order would be sent to the internal office to request my funds to be returned. 
On XXXX XXXX, I called and spoke with another representative, which then put in another request for my funds to be returned and she asked me to call back for an update. I called again on XX/XX/XXXX and was advised to call the check systems because of the early warning services report filed by XXXX. I was asked to dispute both the XXXX XXXX and XXXX  ( which was already done ) and to file a police report. I filed a police report then. 
I then was told to contact the fraud department in XXXX XXXX. I spoke with 2-3 people to resolve my issue. They ghosted me and continued to not help me when I complained repeatedly about my name being on XXXX and first warning systems which prevents me from opening ANY bank account OR credit card. One of them finally got back to me and removed my name from XXXX  but not first warning. So currently, im still unable to get ahold of any XXXX representative I have talked to for help, nor am I able to open any account. I am not responsible for the fraudulent actions and desperately need help to have my name removed. Please help me. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED ( ACCOUNT # XXXX ), THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT/ TRUTH AND LENDING ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF XXXX XXXX OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF XXXX XXXX OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. Elan Financial Service violated 15 usc 1602 ( l ), 15 usc 1692j ( a ), 15 usc 6801 ( a ) ( 1 ), and 18 U.S. Code 8
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXXBalance Owed : {$5.00} XXXX XXXX Balance Owed : {$5600.00} XXXX XXXX*Balance Owed : {$7500.00} XXXX XXXX XXXX XXXX Balance Owed : {$21000.00} XXXX XXXX Balance Owed : {$6200.00} XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX XXXX Balance Owed : {$540.00XXXX XXXX XXXX XXXX Balance Owed : {$760.00}
Product: Mortgage

SLS Loan Servicing received our second mortgage back in XXXX. It was sold many times and was originally with XXXX. It has not been paid since XXXX due to the housing crash. Due to medical financial hardship filed chapter XXXX and received a successful loan modification on the 1st mortgage. I am current with this. I sent an offer of settlement to SLS based on hardship. They said I did not need to send any hardship letter or financials. Just to write them and make an offer. I did make them an offer and I have not heard back. I would like to know if they have accepted our offer within a timely manner. I have to know if they will work with us or I will need to file chapter XXXX. All I want to know is id they accepted our offer or are they going to counter our offer. I have learned that this company is extremely difficult to work with. I have read hundreds of complaints regarding this issue with Consumer affairs. I am asking for a solution in a reasonable time.
Product: Debt collection

Received letter dated XX/XX/XXXX    from collection agency. In letter, it stated I had 30 days to dispute the validity of this debt or any portion thereof. I sent a letter to this company certified disputing the validity of this debt and requesting that this agency validate this debt belonging to me. This debt continues to be resold to various collection agencies and each time, each company continues to fail to validate debt and have had to remove it from my credit report. This debt does not belong to me.
Product: Debt collection

Beginning on XX/XX/XXXX, XXXX began contacting me regarding an alleged debt that I owed a former apartment complex, XXXX XXXX XXXX. They repeatedly stated that they sent a letter to my current address and in 15 months of staying here, I have yet to receive that letter. They were very rude, condescending, and belligerent on the phone with me, not allowing me to talk or help me resolve this alleged matter. I requested proof of the debt and I was denied, I asked for payment options and they weren't provided, I was flagged as " refusal to pay '' and that's not what I did. This company is deceptive and I don't believe I owe this debt and want it disputed successfully and removed from my credit report. The company also lied saying that they reviewed the proof that I submitted and they lied to me stating they had a copy of my lease, when that is not valid and they don't have access to it.
Product: Debt collection

XXXX XXXX XXXX XXXX has placed and erroneous amount on all three of my credit bureaus stating that i have charged in the amount of {$530.00} dollars i only charged {$58.00} dollars on this account, XXXX XXXX has inflated the original credit amount of XXXX and turned it into {$530.00} dollars they have charged me a 50 % percent increased i never ever charged that amount, i would like for XXXX XXXX to provide the original contract with my signature and the credit amount that was issued to me. 

I am requesting this company to validate this debt, provide the original signed contract and the fees which made the original amount increase by % 51 percent. 

They have falsified this information on all three credit reports and for there dishonesty this account should be deleted in its entirety.
Product: Mortgage

Sometime in XXXX our PMI should have automatically terminated in accordance with the law ( principal balance below 78 % ). I contacted Citizens and Citizens told me that I would have to make a request for the PMI to be terminated.
Product: Credit card

My inquiry is what the law allows in terms of fees charged e.g. a late payment 'fee ' that is XXXX % of the minimum payment due. Can a 'fee ' be almost equal to the principal and interest due on a revolving credit account? It seems excessive and designed to compound every month. This with Nordstrom Bank. Thank you
Product: Credit reporting or other personal consumer reports

I am extremely upset after discovering that your company has placed multiple inquiries on my credit report without my permission. These actions have damaged my credit score and caused me tremendous stress.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient reported me for being late 90 days. I was sent an email by XXXX XXXX not to pay my loan until XXXX.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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

Hi, I'm submitting this complaint because I have nowhere to turn too! Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that XXXX, TransUnion, & XXXX didn't make sure it was reporting XXXX  % correct. 
In accordance with the FCRA and XXXX XXXX compliance reporting standards. 
Everything has to be XXXX  % accurate on my credit report and Under 15 U.S. Code 1881e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting XXXX  % accurate. I'm disappointed that XXXX, TransUnion, & XXXX have not been able to provide me with any documented proof of compliance reporting standards and applicable consumer laws.