23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

This incident happened on XX/XX/2020. It's about a fraudulent transaction on my debit card with XXXX  XXXX XXXX and a company where I remit to send money to the XXXX called " Remitly. '' On XX/XX/XXXX, I received a text alert from XXXX  XXXX XXXX that my debit card balance dropped to XXXX, so I immediately checked my online account which I always do once or more times everyday, and true enough there were 5 different transaction amounting to XXXX plus 2 more transactions amounting to {$640.00}. So, I immediately called XXXX  and told them to stop those transactions because I have not authorized them. I even requested to have my debit card changed which they did. They said they were not going to process the transactions which were still pending at that time. I also called the merchant who was able to stop only some of the payments, the last 2 transactions still undergoing when I called them amounting to {$640.00} each. At that time, they said they were going to refund me whatever amount got posted. Also informed them that I talked to my bank already. So, I just waited for some time since they said it was going to take about 5-7 business days to process my refund. However, because it was my debit card that had fraudulent transctions, my overdraft protection kicked in and paid my debit card totalling to {$6800.00}. I was hopeful that I would get refund from either my bank or the merchant, so just waited patiently. I didn't call again until around XX/XX/XXXX but they said just to wait for the investigation. I had a hard time calling for Remitly especially around the lock down period, had to wait hours on the phone and called them several days before I spoke to someone finally on XX/XX/XXXX. Remitly told me they were able to stop just the last 2 payments but they won't pay for the 5 transactions that already went through because they said my bank should have been able to stop it. So, I was frustrated with their answer and re-submitted additional documents to XXXX. XXXX took it as a new claim and re-processed it, followed it several times through phone, until after about 6 weeks, they determined they were not paying for it. So, I re-submitted a new claim on XX/XX/XXXX, re-adjusting the amount from {$6800.00} to {$4900.00}. Today, XX/XX/XXXX, I received a sad news that they are not paying for the claim again. That's why, I thought of writing to you again. This incident truly gave me a lot of stress. I have been with XXXX  for over 15 years but never had this experience. I am not sure how my account got hacked and money was sent to someone in the XXXX I don't know. I don't know who to keep pushing remitly vs my bank. Thought I did what a prudent person would do to stop the transaction, calling and alerting my bank right away but it still the transaction went through. So, I need your help please investigating this. It's a huge amount of money especially during this pandemic. Hope you can give me a light on this. Truly appreciate your help!
Product: Debt collection

An amount of {$500.00} went to collections on my credit file in XX/XX/2022. The collections showed it was from Columbia Debt Recovery LLC or Genesis Credit Management and a derogatory mark showed up on my credit report. After investigating this situation, I realized that someone stole my identity and applied for an apartment at a place called XXXX XXXX. The address for that apartment is XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. I have never applied for an apartment in Georgia.
Product: Credit reporting, credit repair services, or other personal consumer reports

This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.
Product: Mortgage

On XX/XX/2018 freedom mortgage asked me to remove verbiage on all three credits reporting agencies, after I was approved and in underwriting. The the result was my score dropping more than 50 points and they informed me that I would no longer be qualified at the locked in rate and I could not look elsewhere due to my score dropping. This seems predatory as I was locked in at the rate upon agreement. And they had me ruin my score as to get an unfavorable rate
Product: Mortgage

My servicer was recently changed from Dovenmuele to The XXXX XXXX. 

I have made every payment through bill pay at my bank. I received a payment returned for my XXXX payment. I was unaware at the time that bill pay was sending it to the old servicer. 
I got my new account set up at XXXX, and the balance due was showing two payments were due instead of just one ( XXXX ) I immediately caught up the mortgage payment, and started researching... 
Apparently XXXX payment was sent out through my bill pay and received by Dovenmuele, I had proof from my bank of this. Dovenmuele said they did not have my payment. After I sent them the proof they MAGICALLY found my payment! 
They told me they were going to wire this amount back to my Bank, this was on Friday XX/XX/XXXX. I have called my bank everyday to check on the payment... I still have not received it. It is now XX/XX/2022. My money is floating somewhere and its absolutely ridiculous the time spent and the work I have had to do just to prove that I sent them this payment! They would have kept my money if I had not put the effort into it...
Product: Debt collection

Repeated calls XXXX or 8 times a day to my home. XXXX or 3 times a day to my work { after I asked they not call me there }. Locked out of my Navy Federal Credit Union account and unable to see my balance and or statements.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$670.00} XXXX XXXX XXXX XXXXXXXX Balance : {$770.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1300.00} ; XXXX XXXX XXXXXXXX XXXX : {$1200.00} ; XXXX XXXX XXXX XXXX Balance : {$690.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

XX/XX/2019 at Citizen Bank Branch Philadelphia Opened an credit card due to a promotion they advertised that I would be receiving 15 months 0 % interest. 
The first page of their promotional campaign stated introductory rate 15 months 0 % it was refering to balance transfers. This was not communicated as such in that 1. This is my bank i was defaulted to trust, i have money in this bank. 
2. I told them i would be making a large purchase 3. Most credit card companies offer me 0 % interest on purchases at my home, i was thinking maybe i would give my bank the interest. 
4. The promotion was misleading, in that what is so fantastic about receiving a credit card for 17 % interest? 
5. I believe the promotion was intentionally misleading, and could be interpreted that this was for purchases the promotion. 
I would like for them to honor the intention of the promotion, as understood by me the client. 
I have contacted bank to no resolution just being pushed around various offices.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written Transunion again. And also I have called them. I have fraudulent inquiries on my credit report and they need to be removed ASAP. I filed an FTC report for them as well. Im also getting a police report filed.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

During the coronavirus pandemic and never being late on my credit card payments in seven years and never late with the history of Wells Fargo the first time I made a payment late although I submitted help with the pandemic they are telling me that I have not successfully submitted assistance. This is a complete lie and I was able to speak to someone over the phone and they told me that they would be enrolling me in deferred payments on my credit card due to the coronavirus pandemic. I was able to successfully submit my mortgage deferment and as soon as I was completed it online a few days later I called in in regards to my credit card via the customer service line they assured me and made sure that they would be ok with my credit card. I truly believe there was a lot of pressure and many people calling in for assistance and it may have slipped through the cracks but I called in and requested for deferment Wells Fargo has many fraudulent activities in the past and has been sued and issued many fines. Im requesting that The pandemic assistance program was requested for my credit card. Moreover, as soon as the late payment was reported I immediately paid off my credit card and set up auto pay and there has never a late payment since, and never have I ever had one prior. In addition, out of goodwill and a one time 30 day late in my history of XXXX payments, I am peacefully requesting that Wells Fargo remove the late payment reflected on my credit score.
Product: Mortgage

Upon receiving a response on XXXX XXXX through CFPB from HomeloanServ, my mortgage loan servicer, it has now been another full month that I have been awaiting to receive my partial claim/loan modification documents of which I was first informed it would only take a few weeks to receive via XXXX. Homeloanserv stated they would fully process my Covid Combination Partial Claim/Loan Modification within 60 days by XXXX XXXX, Homeloanserv is not fully cooperating with me and I believe they are intentionally delaying the process to force me into foreclosure. Homeloanserv is treating me unfairly and violating federal servicer laws that protect homeowners. My application is not being processed in a timely manner. I would also like an update on a correct escrow analysis. The balance on my escrow is incorrect which could affect my loan modification amount. The estimated taxes that was included in my custom partial claim/loan modification was misinformed. Homeloanserv has not provided to me an updated escrow analysis with the correct balance for my property taxes/insurance. My custom loan modification should be a lower amount than {$1800.00}. I am feeling overwhelmed with stress due to the poor communication and hurtful words i have heard when I called in to Homeloanserv to speak about the Covid FHA loan modification/Partial claim options and follow up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to notify Equifax that they have fail to delete the inaccuracy on my consumer report so Equifax is now in default. I am giving Equifax the opportunity to cure this default in 30 days. I the consumer would like to state that Equifax has violated 15 USC 1681 ( a ) ( 4 ) which states that Accuracy and fairness of credit reporting. The Congress makes the following findings there is a need to insure that the consumer reporting agencies exercise their grave responsibilities with the fairness, impartiality, and respect for the consumers right to privacy. I have included Display A, Display B, Display C, Display D, Display E, Display F, Display G, Display H, Display I, Display J, Display K, Display L, Display M, Display N, Display O, Display P, Display Q, Display R, Display S, Display T, Display U and Display V. These show proof of the violations that Equifax has violated. Pursuant to 15 USC 1681b ( a ) ( 2 ) Equifax is in violation. This federal law states that ( a ) In General Subject to subsection ( c ), anyconsumer reporting agencymay furnish aconsumer reportunder the following circumstances and no other : ( 2 ) In accordance with the written instructions of theconsumerto whom it relates. Equifax is also in violation of 15 USC 1681a ( e ) which states that The term investigative consumer report means aconsumer reportor portion thereof in which information on aconsumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of theconsumerreported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on aconsumerscreditrecord obtained directly from acreditorof theconsumeror from aconsumer reporting agencywhen such information was obtained directly from acreditorof theconsumeror from theconsumer. I have proof in the attachment label as Display A, Display B, Display C, Display D, Display E, Display F, Display G, Display H, Display I, Display J, Display K, Display L, Display M, Display N, Display O, Display P, Display Q, Display R, Display S, Display T, Display U and Display V.
Product: Credit card or prepaid card

I was alerted to the renewed fraudulent activity from a credit report I sent off for so that I could once again renew a freeze on my credit. This is the second time I have had to do a police report due to this woman 's continued use of my identity. I have been married for the last nine years and any and all documents, credit cards, loans or otherwise are under my married ( XXXX ) name not my maiden name ( XXXX ). I will be sending a copy of my social security card as as my current drivers license and the police report that clearly show that my name is XXXX XXXX XXXX, NOT XXXX XXXX. I sincerely hope this matter will be cleared up quickly, for this is the second time I have had to send my information due to this company 's reluctance to close this account. The reason for not closing this account is unacceptable. I sincerely hope I do not receive a second letter stating that because the company is sending a bill to a fraudulent address that my account will not be closed. If this happens again I will be seeking legal counsel because I believe that I have shown all the proof required for this account to be closed.
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. ( 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: Debt collection

On XX/XX/XXXX I took a payday loan for {$200.00} from the XXXX located at XXXX, XXXX, TX XXXX. Im a single mother and I could not pay back the loan. On XX/XX/XXXX I received a phone call from XXXX, who identify himself as the criminal investigator for financial Fraud from Commonwealth financial Systems. I was told that if I dont pay I was going to be prosecuted for Fraud against XXXX, and that " failure to comply '' will result in them showing up at my placed of employment. i got really scared and I set up month ; y payments of {$110.00}. I have made 3 payments but i canoot pay anymore. They call me several times a day, leave threatening voice mails. I have never been in jail and I am scared for me and my babies. Please help me
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau Federal Trade Commission Consumer Response Center XXXX XXXX XXXX, XXXXXXXX XXXX XXXX DC XXXX Subject : Formal Complaint Against Experian for Violation of 15 U.S.C. 1681 ( a ) Dear CFPB and FTC, I am writing to formally report a violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681 ( a ), by Experian. This violation concerns the deletion of an active credit card account from my credit report without proper investigation or justification. This deletion has negatively impacted my credit history and financial standing. 

Details of the Violation : Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Status Before Deletion : Paid, Closed/Never Late Date Deleted : XX/XX/XXXX This account was in good standing, with no late payments, and its removal has shortened my credit history, lowering my credit score and adversely affecting my creditworthiness. 

I contacted Experian to dispute this issue and provided sufficient documentation, including : XXXX. Screenshots of my credit report showing the account before its deletion. 


XXXX. Evidence of the accounts status and payment history. 



Experian has failed to reinstate the account, claiming they do not reinsert information, even though their actions contravene their obligation to ensure maximum possible accuracy under 15 U.S.C. 1681e ( b ). Additionally, their failure to properly investigate my dispute and rectify this error violates 15 U.S.C. 1681i ( a ). 

Requested Resolution : I request the following actions : XXXX. Immediate investigation into Experians handling of my credit report and dispute. 


XXXX. Reinstatement of the deleted account to accurately reflect my credit history. 


XXXX. Assurance that Experian complies with its obligations under the FCRA. 



Enclosed Documentation : Screenshots of my Experian credit report before and after the account deletion. 

Supporting evidence of the accounts good standing. 

Correspondence with Experian regarding this dispute. 


This issue has caused financial and emotional stress as I have worked diligently to maintain a positive credit history. Experians negligence has harmed my ability to secure favorable credit terms. 

I trust the CFPB and FTC will hold Experian accountable for its obligations under the FCRA and ensure proper compliance moving forward. 

Thank you for your time and assistance. Please contact me if you require further information or documentation. 

Sincerely,