23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Our mortgage was transferred from XXXX XXXX XXXX to Fay Servicing in XXXX of XXXX. I spoke with XXXX at Fay Servicing on XX/XX/XXXX and he told us he would send us a hardship application and to apply for assistance. We got behind on our loan due to covid and he said there was assistance for that. We filled out paperwork and emailed it over to XXXX. On XX/XX/XXXX, I called to follow up and spoke to XXXX. She stated that no documents had been received from us. She stated that she would put notes in the system for our account manager to call us. On XXXX XXXX, XXXX, XXXX XXXX called. She was very rude and nasty talking. She stated that no documents had been received and we might would need to reapply. She said that she would talk to her supervisor and let me know. I never heard back from XXXX XXXX. On XX/XX/XXXX, I called XXXX XXXX back as I had not heard from her to follow up on the information she was to receive from her supervisor. At this time, she told me to reapply for the hardship. She told me where to find the documents on line. On XX/XX/XXXX, I faxed the documents needed for the loan assistance. On XXXX XXXX i called to see if the documents had been received. A rep told me that they couldn't see any of the information that was sent in regards to the hardship loans. On XX/XX/XXXX we receivied a letter dated XX/XX/XXXX that based on information that we had submitted we were only eligible for a short sale of our property. and we must make a decision by XX/XX/XXXX. In the letter, it stated that we could appeal the decision by emailing XXXX. I called XXXX XXXX XXXX to ask why was this the decsion.? She informed me that the reason for the denial was there was no income listed. I know this was incorrect information. 
She told me there was nothing else she could do. I immediately formulated my email to the appeals department explaining why we disagreed with their decision. On XX/XX/XXXX, I called to see if the email had been received. This particular lady advised me that she was an account manager as well and they can't see any documents. She told me that they have 30 days to review the documents. 

On XX/XX/XXXX, we called and spoke with XXXX XXXX XXXX who informed us no documents had been received and to reapply. She also said she was going to flag the account and to put the reason as why we were reapplying. On XX/XX/XXXX, we received two ( 2 ) letters from Fay Servicing both dated XX/XX/XXXX. One letter stated we were conditionally eligible for a short sale and we must make a decision by XX/XX/XXXX. The other letter stated Acknowledgement of Complete Loss Mitigation Application was received on XX/XX/XXXX. This letter indicated a different account manager name to contact. On XX/XX/XXXX, we contacted XXXX XXXX XXXX to get information concerning the letter about a short sale and why we wasn't given other options. She stated that's all that we qualify for. 
I will be submitting another appeal as well. 
At this point, we need some assistance as this is devastating to us. We want to keep our home but we have not been given any opportunities to do that.
Product: Debt collection

I believe the account is invalid. SPRINGOAKCAP needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged accounts were transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the following accounts to be removed from my credit & their records. SPRINGOAKCAP XXXX and SPRINGOAKCAP XXXX
Product: Credit reporting or other personal consumer reports

My credit scores are falling, which I don't understand due to not owning anything, except for a car that is already paid for and my XXXX  loans that are being paid on. Nothing else should not affect my credit score, which should be going up, not down. I am never late on my payments. I signed up for an auto loan on XX/XX/year>, no other date. The XXXX of XXXX of last year and there are other companies that I never signed up for, like, XXXX, which is based on false pretenses due to being a victim of identity theft, because my information was breached on certain sites, like, XXXX and the XXXX XXXX. This needs to be corrected.
Product: Checking or savings account

I open this bank account online to manage my finances because I got a new job being XXXX I have Got a new job so I needed a checking account however Citi bank closed my checking account and savings as well but theres one big major issue I cant access my funds and I cant get reach of anyone : ( I have my social security XXXX  funds and my own savings all in that one checking account, I cant pay my bills Im geting notices of repossession from XXXX and Citi bank is still allowing deposits to come through a closed account instead of doing the right thing and sending it back they also opened back the savings but my checking is closed this is nonsence
Product: Debt collection

I moved from a home and left the property in better condition than received. Pictures from before the rental and after were provided. Receipts for cleaning were provided. However, they are still claiming over {$2000.00} is owed in cleaning and repairs. Their claim is completely without merit and they have told me that they would report to the credit bureau by the XXXX of this month if debt not paid.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX, XXXX, TX XXXX. You can use this address Equifax XXXX XXXX XXXX, XXXX, GA XXXX Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear Experian and Equifax, I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 
Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner
Product: Credit reporting or other personal consumer reports

After reviewing my updated credit report, I am appalled at Experians repeated failure to address fraudulent accounts and unauthorized hard inquiries that I have previously disputed. I am writing again to demand immediate action to block and delete these entries in full compliance with federal law. 
As a XXXX XXXX and father, I carry the heavy responsibility of providing for my family, but these fraudulent entries have severely hindered my ability to achieve financial stability. This is more than just a disputeit reflects the systemic barriers I continue to face while trying to secure a better future for my household. Under 15 U.S. Code 1681c2, Experian is legally required to block all fraudulent information within 4 business days of receiving my identity theft documentation. Your failure to comply has violated my rights under the Fair Credit Reporting Act ( FCRA ). 

Please remove unauthorized/fraudulent inquiries and accounts Fraudulent Accounts : 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 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 XXXXXX/XX/XXXX Please immediately delete and block the fraudulent accounts and unauthorized hard inquiries listed above XXXX XXXX must adhere to 15 U.S. Code 1681c-2 by blocking the entries within 4 business days of receiving this complaint. Experians continued inaction has already caused harm and is a direct violation of my rights under the FCRA. 

For violating my rights, I request you send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Debt collection

I Reserved from CAPITAL ACCOUNTS on XX/XX/2018 Bill from theme it says I was having medical treatment from atrium that was before XXXX start within a few months I remember I have my son he was treated at XXXXm but we also has XXXX CAPITAL ACCOUNTS XXXX XXXX {$970.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reporting on my personal credit file and were found in my reports with XXXX, Equifax and XXXX credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3300.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$450.00} ; XXXX XXXX Balance : {$3000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$75.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$17000.00} ; XXXX XXXX XXXX XXXX : {$17000.00} ; XXXX XXXX XXXX Balance : {$4300.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Checking or savings account

My name is XXXX XXXX I am XXXX yrs old. I am a XXXXXXXX XXXX XXXX  XXXX that served XXXX until I was injured on duty. 


I am a married father of XXXX. I am head of household and my income supports our family. 


I received a check from the Department of Treasury, which was a tax refund from 2021 for {$11000.00}. I personally deposited the check inside the Wells Fargo Bank at XXXX XXXX XXXX XXXX. XXXX, ID, XXXX on XXXX. 


The next day I realized they had only release {$5200.00} and were holding the balance ( {$6400.00} ) until XXXX XXXX. 


I called their customer service and coul not get an answer. I made an appointment with Wells Fargo. I did not get an answer They could not tell me why the check was being held. 


My wife XXXX went to the branch later the same day and the branch XXXX XXXX XXXX told her that when the teller ran the check through their system. The machine damaged XXXX of the numbers on the check. Therefore they could not verify the check. This was on XX/XX/XXXX. They told us someone would contact us. They have not as of XX/XX/XXXX. 


If I was holding on to {$6400.00} that did not belong to me, and would not return it. I would be in jail for theft. 


Please help us. We're not rich... it's our money. Is this what this county has become?
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report with all 3 bureaus and thoroughly looking over everything I noticed there is inaccurate information on my credit report including : wrong names not, wrong addresses, wrong employment listings that are not associated with me. in addition Unauthorized Inquires I do not recall attempting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Minnesota XXXX XXXX child support has an account that i cant access, became secondary and ive been making payments on my child support but its not reporting it correctly. ive been paying child support thru the XXXX child support log in account. ive tried calling and nobody has an answer on how i can pay for both child support cases thats under XXXX XXXX im paying the stepfather and mother but only the mothers dont get reported .... its hurting my credit score i had 100 % not long ago. now because of the wrongfull reporting i look really bad. i really have been paying my child support you can look it up. child support is not reporting correctly and they told me that they cant do nothing about. im paying my child support and the system says no data or ive missed XXXX payments? im trying to understand why? this is my first time ever complaining and im XXXX old please anybody
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is showing inaccuracies and inquiries i never authorized..

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 Unauthorized Inaccurate inquiries being reported listed below remove all inquiries immediately : 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
Product: Credit reporting or other personal consumer reports

It has come to my attention. My personal information has been exposed in the national data breach reviewing my credit reports I have noticed some accounts I am unfamiliar with. I have asked the CRA 's for validation of debt however, the information has not been provided to me due to my information being exposed. I have submitted a FTC complaint reporting the information. I am not familiar with.
Product: Checking or savings account

On XXXX XXXX, XXXX I sent a check by mail to pay for a service I received. On XXXX XXXX, XXXX the payee said he did not receive the check. By the next bank statement the check had been cleared by a bank and the check had been altered. It was signed on the back by an unknown person who also added his/her name to the front of the check. I then made a claim to Chase bank regarding the stolen check, and they promised to resolve the problem within 120 days at the most. It is now 7 months later and Chase has still not reimbursed by account. I have filed a police report number XXXX. I have reached out to Chase multiple times and I still have yet to hear a positive response.
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate removal of my previous address from my credit report. I have recently reviewed my credit report and discovered that an outdated names ; XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX ; Addresses ; XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX are still listed under my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unable to check or review my credit score on Equifax site. I am not being provided with stipulated account services as required.
Product: Money transfer, virtual currency, or money service

Im filling a complaint against cash App ( Block , inc . ) due to inadequate customer service and unfair practices, which violates the consumer financial protection act ( CFPA ). Specifically, cashapp failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account valuable 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 redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XX/XX/XXXX ATTN : Consumer Financial Protection Bureau XXXX : Complaint against XXXX, XXXX, and TransUnion for Continuously Erroneous Credit Reporting Dear Sir/Madam, I am writing to file a formal complaint against XXXX, XXXX, and TransUnion regarding their continuous and reckless erroneous reporting on my credit report. Despite numerous complaints submitted throughout this year, all of which have been ignored, their negligent actions have caused significant financial and emotional distress. 

My personal information is as follows : Name : XXXX XXXX XXXX Date of Birth : XX/XX/XXXX Gender : XXXX  Current Address : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX Employer : XXXX XXXX XXXX  I hereby demand that XXXX, XXXX, and TransUnion take immediate action to update and correct my credit report as follows : Removal of all addresses with which I am not associated : XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX FL XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX FL XXXX Removal of the following collection accounts, as the bureaus have failed to provide their method of verification for these accounts, and I confirm that they are not mine : XXXXXXXX XXXX  # XXXX ( No creditor listed ) Account # XXXX ) XXXX XXXX # XXXX I want to stress that these inaccuracies have seriously damaged my creditworthiness and caused considerable hardship in obtaining loans, credit cards, and other financial opportunities. The bureaus ' repeated refusal to address these issues shows a blatant disregard for my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

As per the FCRA, I am entitled to have accurate and up-to-date information on my credit report, which is essential for my financial well-being. Failure to comply with these rights is a direct violation, and I will be seeking monetary damages of XXXX  per violation. 

I trust that the CFPB will thoroughly investigate this matter and ensure that XXXX, XXXX, and TransUnion correct their reporting errors promptly. I expect a timely response from the CFPB regarding the steps taken to rectify this situation. 
Please find attached relevant documents supporting my claim, including previous complaint communications with the credit bureaus. 
Thank you for your attention to this matter, and I look forward to a swift resolution. 

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

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Experian, XXXX and XXXX XXXX XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian, XXXX and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XXXX XX/XX/2021 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/19 XXXX credit Report, XXXX XXXX   XXXX  ( XXXX ) status states DELETED from your credit report.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the continued presence of inaccurate addresses on my credit report. Despite prior disputes, this incorrect addresses remain listed : These addresses do not belong to me and are irrelevant to my credit history. I have previously submitted documentation confirming my correct addresses, but this errors persist, violating the Fair Credit Reporting Act ( FCRA ). Their continued presence could negatively impact my credit report. 
XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX & XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX
Product: Credit card or prepaid card

WELLS FARGO closed my credit card account which is a direct violation of 12 CFR 1026.11. WELLS FARGO did not release my funds held in escrow to offset the balance pursuant to 12 CFR 1026.11.
Product: Credit reporting, credit repair services, or other personal consumer reports

please check items on my consumer report immediately I have inaccuracies on my credit report that i did not give my written consent to have on my report please check and do a through investigation and have items that verify these negative marks on my report
Product: Student loan

My wife and I got all our information stolen. Someone opened a loan with this company called XXXX/UAS. I found out I was victim of a fraud months later where even my bank account was stolen. I filed a bunch of paperwork with this company including a police report and a fraud claim and they last almost a year without giving me a response. I sent a lot of emails in a frequent basis and call them at least three times a week. I explained them that I never head about either XXXX  or UAS before checking my credit report. The companies have done nothing and they keep telling me that they spoke with someone in the email address XXXX which is not an email on use by me. I asked them to send me the contract or some kind of promissory note and until this date nothing. I being fighting with this company for over a year. 

My address is XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX VA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never dealt with these creditors in the past. I contacted Transunion and address the issue but all they sent is a paper trail showing the accounts and that it has been verified. Insufficient information. I requested Method of Verification - evidence such as name, address and telephone number they contacted from the original creditor but they failed. That tells me that this is some kind of computer generated verification an XXXX. Please get rid of the accounts as soon as possible and notify me when you do this so I can go ahead and apply for the things I need to apply for.. XXXX XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX ) , XXXX XXXX ( ORIG CREDITOR : XXXX XXXX   XXXX )