23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This complaint is concerning a false bond that was posted for my daughter my daughter was giving a XXXX term of XXXX XXXX but served a year in county XXXX when she was released there was a two week delay in processing her out I went to a bondsman for Assistance he stated that She had no bond and she was released but there was a hold up in her being released he stated that he could post a bond anyway and get her out me being ignorant to the bail system I gave him {$1000.00} to post bail she was released without bail he acted like he bonded her out but she was released because your time was done he also stated that when she was released she could put the remaining money owed to him in her name and she would be responsible to make the monthly payments my daughter was fully exonerated on an appeal and all charges were dropped he falsely posted a bail that was not needed and now it is appearing on my credit report this Was bad business and an injustice. She had Filed a Habeas corpus complaint that is the reason her release was held up but initially she was released and didnt need bail The debt was sold to AWA collections and its {$8900.00} this was from 2015 Interests applies daily.
Product: Credit reporting or other personal consumer reports

Extra card submitted a late payment to XXXX and Experian for late payment that never happened. XXXX took off XXXX points and Experian took off XXXX points. Extra card disconnected my bank account from my profile and my bank would not allow me to add it back. I was never late on a payment. XXXX did an unauthorized transaction from my extra card but XXXX sent the money back to me. Extra took the money from my bank account that XXXX took from them from using my Extra card along with membership fees that extra claimed I never paid which I have proof in my bank account that I did and claimed that I was late on a payment. Instead of extra helping my credit they have damaged it more when I dont ever use my extra card for transactions but still kept it for the membership fees to help build my credit. I will send proof of extra taking the amount that they are claiming I am behind on from my bank account. Now they are saying that they did an investigation and refunding it back to me but still reported a late payment on my credit reports when they took the {$130.00} from my bank account already. I would like the late payments off of my credit reports and the points that were taken off back added to my credit reports. I paid my memberships each month. The only XXXX didnt pay was XXXX due to extra disconnecting my bank account from my profile and my bank not allowing me to add it back. I been trying to get them to fix it with little to no help and to cancel my membership with no response.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the handling of my credit report and to demand immediate corrective action due to the exposure of my personal information as a result of the XXXX data breach, which occurred in 2017. As you are aware, XXXX reported that sensitive personal data, including Social Security numbers, birthdates, addresses, and more, was compromised during this breach. 

In accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), I am entitled to request that any credit reporting agency block any information on my credit report that has been the result of identity theft, including fraud that may have occurred due to this breach. The FCRA mandates that this information be promptly blocked from my credit report, and I demand that all affected accounts, fraudulent or otherwise, be immediately removed. 

To clarify my position : The data breach has exposed my personal information to unauthorized individuals, making it possible for fraudulent accounts and activities to appear on my credit report. 

Section 605B of the FCRA specifically gives me the right to request the removal of any information that is a result of identity theft, including any fraudulent accounts or inquiries. The law is clear : if the information in question is a result of the XXXX breach, it must be blocked and removed from my report without delay. 

I expect immediate action to ensure that my credit report is thoroughly reviewed, and all fraudulent entries related to this breach are removed and blocked per the FCRA guidelines. 

I trust you understand the gravity of this situation and the significant risk it poses to my financial well-being. Your prompt compliance with my request is not only a matter of protecting my rights but also fulfilling your obligations under federal law. 

Please provide me with written confirmation that all relevant fraudulent information has been blocked and removed from my credit report, along with a detailed explanation of the steps you have taken to resolve this issue. 

Failure to promptly and adequately address this matter will leave me with no choice but to seek legal remedies, including the Federal Trade Commission ( FTC ), and pursuing any other available legal action under the Fair Credit Reporting Act. 

Thank you for your immediate attention to this urgent matter.
Product: Checking or savings account

My XXXX XXXX account was hacked, along with a number of other accounts of mine in which that I have since deactivated. They charged {$800.00} and some odd dollars to my debit card, I received a text about this charge however at the top of the text it didnt include information about this, yet another charge that was me XXXX XXXX XXXX so of course I clicked yes. Immediately I recognized this as a mistake and called Wells Fargo to which they took XXXX days to actually give me any information on what to do next. They finally offered me a provisional credit of {$800.00} on my account. However, they have since removed this credit and denied my claim, which is absolutely unreal. I do not have this money and it was stolen from me. When on the phone with Wells Fargo again, they hung up on me without any help! I absolutely want this reversed and the right thing done. 

I also want to mention that when attempting to receive support by XXXX, they closed my ticket and suspended my account, and nothing else was done.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these funds were unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers by had also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concern about consumer safety.
Product: Credit reporting or other personal consumer reports

Republic Finance is in violation of 15 USC 6802- I have asked the creditor in a letter to Opt-Out of this information that is on my credit report and that it be removed from my credit file immediately. If this was not done, I will file a small claims legal action against this creditor, should this matter not be resolved by XX/XX/XXXX. 

They are in further violation of 15 USC 1681 & 15 USC 6802-6805.

I am exercising my right to opt OPT-OUT having this reported on my credit file and also dispute that it even exists, as the amount was charged off.

This creditor is now in violation of my consumer rights according to 15USC 6802 and is also in violation of the Privacy act of 1974. 

The amounts are incorrect on all 3 bureaus and was charged off.
Product: Bank account or service

I applied for a Citigold Checking Account XX/XX/XXXX with a promotion to receive XXXX AAdvantage Airlines Miles upon completion of the requirements ( {$1000.00} debit card spend, 2 monthly bill pays in sequential months ). I talked to Citi through Citi 's online messaging tool and the representative confirmed that I had met the requirements and that I would receive the points, and to call back if I had not received the points by XX/XX/XXXX. Since then I have called back for three consecutive weeks in XX/XX/XXXX and was told they are looking into it and there is nothing they can do in the mean time. They are delaying my requests which is costing me additional monthly fees ( I have now been charged {$60.00} worth of fees ) for the account. I am requesting that the XXXX miles be posted to my Aadvatage account and the {$60.00} in monthly fees be credited to my account.
Product: Debt collection

received call from ( XXXX ) XXXX stating he was a verification officer and that i better call phone number ( XXXX ) XXXX and talk to their legal department or else he would come to my home and serve me. called the XXXX number and spoke to XXXX XXXX who stated she was a legal mediator and that i better pay or they will come and serve me and have me arrested. I ask several times what this was for and she said it was ace cash express. The case number they gave is XXXX. They presented themselves as a law firm and not a debt collector. I stated that I do know the laws when it comes to collections and what they were doing was completely illegal in the state of texas and i was promptly hung up on. Not only did they contact me they also proceeded to contact 4 of my family members, and tell them that they will be out there to serve them with papers and arrest warrant.
Product: Mortgage

During the Coronavirus crisis many mortgage companies are waiving up to 90 days of payments Roundpoint Mortgage in South Carolina is operating in Arizona and had recently acquired my daughter 's mortgage When she called to today because she recently was laid off because of Coronavirus and was seeking help Roundpoint told that they would give her a 90 day grace period but on day 91 she would be required to repay the past 9p days as well as her current payment and failure to do so they would foreclose on her home How does this happen? Is this legal? We have friends and family who's mortgage companies have waived 90 days We need help immediately
Product: Money transfer, virtual currency, or money service

They have given me enough mental torture as of XX/XX/2022 one of Executives on recorded line said after submitting affidavits I will get my money back now they are not honoring their own words Im tired of their tricks and I swear under oath they were fraud unauthorized XXXX transactions as of XX/XX/2022 please help me.
Product: Mortgage

We have been trying for 7 months to get ARC Home LLC to correct an accounting error they made which led to our payments being suspended and reported as delinquent. We have not missed any payments nor been late with any payments. In XX/XX/2019, we received an escrow statement indicating a shortfall. We paid the shortfall in full to avoid an increase in the payment. We also paid the new mortgage amount for XXXX - in a separate check so it would be clear what each check was for. They misapplied the escrow payment as a principal only payment. They also suspended our mortgage payment because it was considered " short '' because they did not record the escrow payment correctly. We have called countless times over the past 7 months and have not been able to resolve the situation. We have filed written complaints with detailed descriptions of dates and times of our communications as well as copies of our payments. We were recently informed the issue was resolved and closed despite never providing us with a letter stating the delinquent report was their error, or notifying the credit reporting agencies of such. It has negatively impacted our credit, and is preventing us from refinancing the mortgage to rid ourselves of this company.
Product: Debt collection

I told XXXX, and now EOS CCA, that the XXXX dollars is not mine, and it should not be on my credit report none whatsoever. Debt was absolved through verizon, but now they are going to say I owe them, and those clearly are not the facts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX continues to report inaccurate data onto my credit report with XXXX and Experian. See attached screenshots of my credit report, XXXX XXXX has not validated this collection and they continue to not report the first delinquency data to XXXX and Experian and XXXX and Experian continues to not report the first delinquency date and ignores my disputes regarding this issue that is clearly causing my Credit score to drop. I am in fear this company XXXX XXXX systems and XXXX both by not investigating this has caused my credit score to suffer grave damages for years. This is for account XXXX <<<< This complaint was made regarding two separate accounts listed by account number. This is not. A duplicate or repeat complaint this is a new complaint.
Product: Credit reporting

This complaint is regarding claim ( # XXXX ) I 'd like to dispute all inquiries made by XXXX of XXXX, TN. These inquiries were done without my authorization. It was only requested of me to apply for pre-approval with their, XXXX XXXX XXXX. I complied, was pre-approved for XXXX times the amount needed ( DocXXXX ), so there was no further need to continue inquiries. Plus, upon pre-approval, I was contacted by a salesperson from the dealership and provided with his contact info and in that email he said he 'd further discuss details of the loan. ( DocXXXX ) Since he did n't bother to contact me and display a lack of interest in selling me the vehicle, I sent him an email ( DocXXXX ) clearly stating I was withdrawing my interest.Though making clear in the email, that I should n't receive a denial letter from XXXX XXXX, since I was already pre-approved, though I did n't receive a denial letter from XXXX XXXX, I received a total of XXXX denial letters ( Docs XXXX ) from other lenders. Lenders, that I did n't authorize ( never filled out a credit app ) only a pre-approval to XXXX lender of which I was pre-approved.I purchased a vehicle on XXXX XXXX and was financed through XXXX ( DocXXXX ), yet I continued getting denial letters up until the XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been contesting credit report fraud ITEMS. The items are neither in dispute nor removed from my report. The credit bureaus appear to be ignoring the pattern and allowing these false items to harm my credit score. I have demanded that an investigation be launched and that verifiable proof be supplied if the things claim to be mine. ENOUGH IS ENOUGH! HOW MUCH DOCUMENTATION IS REQUIRED TO GET SOMEONE TO DO SOMETHING? CHECK OUT THE ATTACHMENTS! THIS IS NOT ROCKET TECHNOLOGY! You requested documentation, and I provided it. AND AGAIN! AND AGAIN! This is my final choice before I consult with my attorneys and file a lawsuit for full compensation and damages. Please remove. 
XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX Balance : {$13000.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$100.00} ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I sent a letter XXXX XXXX XXXX to remove this items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than XXXX business days. Ive already included this in my previous Complaint # & I am including it again., XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX AM XXXX XXXX XXXX : {$0.00} XXXX XXXX : {$0.00} XXXX XXXX : {$7300.00} XXXX XXXX {$13000.00} XXXX XXXX : {$1200.00} XXXX XXXX XXXXXXXX : {$300.00} XXXX XXXX Balance Owed : {$5900.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX : {$2200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I spoke to a representative from Fedloan Servicing in reference to the accuracy of missed payments. XXXX  showed XX/XX/2017 and XXXX  showed XX/XX/2017. The representative advised me on the phone that they processed a deferment/forbearance XX/XX/2017. She sent me a direct dispute form and I submitted it. Now XXXX  shows a missed payment for XX/XX/2017 and XXXX  XX/XX/2017. If the payments were postponed XX/XX/2017 there should be no missed payment for XX/XX/2017.
Product: Credit reporting, credit repair services, or other personal consumer reports

Auto loan purchase in 2018. This loan appears on my credit report and I was made aware of this credit line from a potential lender. I contacted the creditor XXXX XXXX XXXX and they had no information that aligned with my identity for me to be held liable for the loan. I had no awareness of the vehicle in question.
Product: Mortgage

Addition to complaint XXXX On XX/XX/XXXX, I transferred {$99000.00} to my Truist Bank Mortgage from my Truist Bank Checking . Additionally, I transferred {$12000.00} from the same checking account to my mortgage. 

Per multiple chats, it appears that Truist Bank is sending me a check via UPS for the {$99000.00} rather than applying it to my mortgage. This violation of the mortgage contract is the absolute opposite of the normal borrower default of the contract. In this case, it is the lender that has defaulted on the contract. There is NO PREPAYMENT PENALTY on this loan and my payment should have been accepted. As it was not, Truist bank is in default of our mortgage agreement. 

Why did Truist accept a {$12000.00} payment and not a {$99000.00} payment? Both were valid transfers and from an approved source ( Truist Checking account ) ( Follow-up on the prior message : XXXX in the XXXX XXXX XXXX XXXX SC XXXX has not followed up as stated in our XX/XX/XXXX conversation. ) Again, Truist has violated the terms of the mortgage.
Product: Money transfer, virtual currency, or money service

A week ago I was messaged by a man on XXXX  asking if I needed financial assistance. I said yes. This man then said and showed that he had a ton of money from an account. He sent a photo and the. Emailed me checks and I deposited them and to prove I was loyal I had to send him some back. These checks then bounced and I was left with XXXX because I had already spent and sent money thinking the checks were real.
Product: Credit reporting, credit repair services, or other personal consumer reports

For some reason my mortgage company XXXX is not reporting my mortgage payments to the credit bureaus. I called to ask why they nonchalantly stated that they will fix it in approximately 30 to 60 days. I feel that this is unacceptable and there is no one that can help me resolve this issue at the company. I need them to report all 9 months that they have failed to report immediately. I realized that they only reported XX/XX/XXXX the next payment that was reported after that was XX/XX/XXXX.
Product: Debt collection

I suspect that my identity may possibly have been stolen and that a possible crime has been committed by your corporation. Please see attached documents and Identity Theft Report. I have requested validation and no documentation has been provided. My right to privacy has been invaded because of this unauthorized use and permissible purpose has been violated due to sharing of these alleged accounts.I have attached FTC Report, Affidavit of Truth to FCO and Attorney General of Texas complaint.
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 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 Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

This account isnt mine. I never use this card or lived in that address
Product: Vehicle loan or lease

XX/XX/XXXX through XX/XX/2019 XXXX XXXX XXXX has been calling my cell phone and home telephone numbers at least five times a day total. I am only a co-signer on the contract of a vehicle. The borrower said that arrangements has been made for a payment but they continue to call. The payment is due the XXXX of each month, the vehicle is not in collection or repo status it is only a few days past due and yet the collection dept. starts calling me the next day it is past due. Prior to the XXXX they send an email to my email address. Please I do not need to be called 5 to 6 times a day.
Product: Credit reporting, credit repair services, or other personal consumer reports

# XXXX Sunrise Credit Service XX/XX/XXXX open account hit my credit report XX/XX/XXXX Amount {$560.00} for a XXXX  account. 
When i reached out to Sunrise Credit Service they tried to sell me a service to restore my credit. XXXX couldn't give me any help because it was in collections with Sunrise. Owner of this account is from Texas. 

# XXXX XXXX {$2200.00} for a wire line account, hit Credit report XX/XX/XXXX XXXX fraud was notified XX/XX/XXXX and waiting on their reply. XXXX take XXXX business days. 
Owner of this account is from XXXX New Jersey. 

I have never lived in either state, never open any accounts with XXXX. We had in XXXX 's had a XXXX account I believe, it would have been a cell phone account for XXXX or XXXX  years.
Product: Credit reporting or other personal consumer reports

I previously submitted disputes to Experian, regarding inaccurate and unverified items on my credit report. Despite my formal request for proper verification, all three credit bureaus failed to provide supporting documentation proving the accuracy of the disputed accounts, yet they continue to report these items.

Under the Fair Credit Reporting Act ( FCRA ) Sections 611 ( a ) ( 7 ) and 623, credit reporting agencies are legally required to : 1. Conduct a reasonable investigation of disputed information.

2. Verify the accuracy of the information with proper documentation, such as signed contracts, billing statements, or other legally sufficient proof.

3. Remove unverifiable information from my credit report. 



However, Experian, XXXX, and XXXX have : Failed to provide any documentation proving the validity of the disputed accounts. 

Continued to report the items without proper verification. 

Violated my rights under the FCRA by not removing the disputed items after failing to verify them. 



Requested Resolution : I am requesting that the Consumer Financial Protection Bureau ( CFPB ) take action to enforce my rights under the FCRA by : 1. Holding Experian, XXXX, and XXXX accountable for failing to properly verify the disputed items. 

XXXX. Requiring the credit bureaus to provide documented proof of verification or immediately delete the unverifiable items from my credit report. 

XXXX. Investigating their compliance with the FCRA, as they are knowingly reporting inaccurate and unverified information. 



I am prepared to take further legal action if my rights under the FCRA continue to be ignored. I appreciate the CFPBs assistance in ensuring that Experian, XXXX, and XXXX follow the law and uphold fair credit reporting practices. 



I have attached a copy of the results that were sent to me XX/XX/year>.