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

Experian makes it very difficult for people to place a credit freeze on their account. Rather than providing it as an option when you login to your Experian account ( as the other two credit bureaus do ), you have to go to an external site ( with no authentication ) and provide your information and PIN. When I tried this, it did not work. I instead received the message pasted at the end of this post. Experian obviously wants you to pay for a credit " lock '', which is easy to place and remove when you login to your Experian account. Requiring people to fill out and mail a form via certified or regular mail is not free, as required by federal law. 

MESSAGE : " To request a security freeze, send all of the requested information via certified or regular mail to Experian Security Freeze, XXXX. XXXX XXXX, XXXX, TX XXXX. Include your full name, with middle initial and generation, such as JR, SR, II, III, etc. ; Social Security number ; date of birth ( month, day and year ) ; current address, and previous addresses for the past two years. In addition, enclose one copy of a government issued identification card, such as a drivers license, state ID card, etc., and one copy of a utility bill, bank or insurance statement, etc. Make sure that each copy is legible, displays your name and current mailing address, and the date of issue ( statement dates must be recent ). ''
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 redress for these violations.
Product: Debt collection

Received paper letter from Fiserv saying it paid a utility bill on my behalf from a bank account I closed and that I owe them the money. The bank account # they referenced was not mine, but I did have an account at the bank they mentioned that I did close. They had my full name and address correct. They said to call Fiserve at XXXX but I'm not doing that. The mailing address for Fiserv on the letter is XXXX XXXX XXXX XXXX, OH XXXX.
Product: Credit reporting or other personal consumer reports

15 U.S.C 1692c. Communication in connection with debt collection a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX local time at the consumer 's location ; ( XXXX ) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorney 's name and address, unless the attorney fails to respond within a reasonable period of time to a communication from the debt collector or unless the attorney consents to direct communication with the consumer; or ( XXXX ) at the consumer 's place of employment if the debt collector knows or has reason to know that the consumer 's employer prohibits the consumer from receiving such communication.
Product: Credit reporting, credit repair services, or other personal consumer reports

Both XXXX  and XXXX  have found this data does not match my name or social and has removed it. These are not mine and transunion refuses to remove these items and refuses to provide documents showing these are mine. 
Transunion is in violation of FCRA section 609 and others. 

My social ends in XXXX not XXXX and they refuse to remove this fraud and other persons data. 

This will be my last attempt before taking them to court for damages.
Product: Mortgage

XX/XX/2023- received a letter from XXXX XXXX but was away XX/XX/2023 - Read letter from XXXX XXXX and determined that Dovenmuehle Mortgage had not payed my taxes for the second half of the year. Checked all the materials on the online portal and understood that they had not been paid and the due date was XX/XX/2023 before they would assess late fines. 
XX/XX/2023 - Sent an email to the tax department of Dovenmuehle notifying them of the missing payment that was to be paid out of escrow and included a picture of the bill received from the city of XXXX XX/XX/2023 - Called Dovenmuehle as soon as they opened and discussed the issue with 'XXXX  ' from the tax division. XXXX stated that they already knew about the bill and would pay it by the XXXX. When I asked if there was anyone I could speak with to ensure it got paid by the due date, I was told that I could only send an email like I had done but they knew the due date and it would get paid. 
XX/XX/2023 - the property taxes were not paid out of my escrow account and I am now delinquent on my taxes with the city of XXXX due to Dovenmuehle 's negligence with my money.
Product: Mortgage

XXXX   XXXX  sent a request for information and notice of error ( QWR ) to Nationstar on  XX/XX/XXXX . Nationstar received this QWR on  XX/XX/XXXX , as evidenced by a signed return-receipt. Per RESPA, Reg. X 1024.35-36, Nationstar should have responded to  XXXX   XXXX  's QWR by  XXXX   XXXX ,  XXXX   (   XXXX  business days from receipt ). It is now,  XXXX   XXXX ,  XXXX  and  XXXX   XXXX  has not received a response to his QWR. Time is of the essence in this case, as there is a law/sale date scheduled for  XXXX   XXXX ,  XXXX .  XXXX   XXXX  requested the following documents from Nationstar :  1. A  complete account history for the life of the loan showing how each payment was applied to interest, principal, escrow fees or charges, and the suspense/unapplied account ;  2. A  copy of each escrow analysis conducted on my account since  XXXX   XXXX  ;  3.  An itemized statement showing all costs and fees that may have been assessed to the loan account for the life of the loan including but not limited to late fees, inspection fees, broker price opinions, foreclosure fees, bankruptcy fees, and attorney fees ;  4.  Copies of any loan modification trial plans, permanent modifications, and/or forbearance plans  ; 5.   Documentation showing my approval for a loan modification, trial payment plan, forbearance, special forbearance, and/or any other loss mitigation program, spanning  XXXX   XXXX  to the present ; and  6.   Documentation showing my denial for a loan modification, trial payment plan, forbearance, special forbearance, and/or any other loss mitigation program, spanning  XXXX   XXXX  to the present.      XXXX   XXXX  also asked Nationstar to investigate why his payment suddenly increased from {$1800.00} to $ 2,500+, following a permanent modification in  XXXX   XXXX .      XXXX   XXXX  complied with all of Nationstar 's request during the modification process, and the sudden increase is more than likely due to a Nationstar escrow miscalculation. Nationstar has failed to explain to  XXXX   XXXX  why his payment increased by $ 700+ making his newly modified payment unaffordable.
Product: Debt collection

Repeated calls with the caller ID Portfolio Recovery, a known predatory debt collector. This company calls from several different numbers, I have blocked them all but they don't stop. I do not owe any debts to these people. The latest number they called from just a few minutes ago was XXXX
Product: Credit reporting or other personal consumer reports

I requested the charged off date on XXXX XXXX to be corrected on the credit report but they havent corrected it since XXXX dispute my multiple request. All dated since XX/XX/XXXX are incorrect including the charged off date and date closed. They reported that I made payment in XXXX when I did not and refuses to correct the information.
Product: Checking or savings account

My paycheck was supposed to be direct deposited on XX/XX/2025. It is now XX/XX/2025 and I still don't have a straight answer on when I will be receiving my money. The bank is Capital One.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there are still a few accounts on my report that are false and the result of identity theft. I request your assistance in getting rid of the last few items on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any accounts that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX XXXX Balance Owed : {$60.00} XXXX XXXX Balance Owed : {$60.00} XXXX XXXX XXXX Balance Owed : {$4800.00} XXXX  XXXX Balance Owed : {$11000.00} XXXX XXXX XXXX Balance Owed : {$530.00} XXXX XXXX  XXXX XXXX Balance Owed : {$310.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$2900.00} XXXX  XXXX XXXX Balance Owed : {$3900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This company refuses to update my credit report in a timely manner. The account with them was paid off in full, early. Yet they still report a revolving balance and open account. I have submitted disputes and they verify that their information is accurate. I have no open account with XXXX, nor do I owe them any money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian XXXX and XXXX is furnishing inaccurate and incorrect information to the consumer reporting agencies. 
The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. 
You and your inaccurate reporting have damaged my livelihood. 



As Defined by The IRS Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. 

The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate!

By Definition The IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is in accurate.

15 USC 1681 s-2 Says Experian XXXX and XXXX is a furnisher of information to a consumer reporting agency. 
Experian XXXX and XXXX IS PROHIBITED BY LAW to furnish inaccurate information. I demand Experian XXXX and XXXX to Cease and Desist the reporting of incorrect/ in accurate information immediately.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1. Prohibition ( A ) Reporting information with actual knowledge of errors 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. 
Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. 
Prohibition : a law or regulation forbidding something XXXX XXXX {$300.00}
Product: Mortgage

I currently have a fixed rate 30 year mortgage at 5.75 % that originated XX/XX/XXXX. Ditech XXXX serviced this mortgage loan beginning in XXXX until XX/XX/XXXX. It went into bankruptcy and the loan was purchased by XXXX XXXX and they began servicing the loan in XXXX, XXXX. In XXXX my total annual interest paid to DiTech was {$8200.00} or {$680.00} average per month. In XXXX my total annual interest paid to DiTech was {$7200.00} or {$600.00} average per month. For the 3 months in XXXX that DiTech serviced the loan, interest paid was {$1900.00} or {$640.00} average per month. This represents a {$36.00} average increase per month over XXXX 's average of {$600.00} on a fixed rate mortgage. 

DiTech failed to provide a closing statement when the loan was sold to XXXX XXXX in XXXX. They have declared bankruptcy and there are no records on their website regarding my loan. The loan balance also does not reflect the additional payments made towards principal during the first 3 years of the loan from XXXX to XXXX.
Product: Credit reporting or other personal consumer reports

My regular payment history doesnt include these late payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX and under the penalty of perjury I attest that all facts to be stated are true. Predatory credit reporting agency XXXX refuses to follow my written instruction for the permissible purpose of the credit report and FILE that this company is furnishing on me which violates 15 USC 1681b ( 2 ) which states " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. '' I have submitted written instructions to XXXX on a number of occasions over the last year and this company refuses to abide by federal law and remove the fraudulent and inaccurate personal information, accounts and inquiries which stemmed from identity theft. I have reported this identity theft and misuse of my information by all the major credit reporting agencies including XXXX, XXXX, transunion, and XXXX as well as all the issuers of the fraudulent reported accounts. XXXX has also failed on a number of occasions to share with me how they have been able to validate these alleged debts that they are reporting on my credit file. What personal interviews did they conduct? What system did they use to validate the debt? Did they submit a form or use electronic means? What was the name and contact information of the people they spoke with to validate the debt? This is fraud and totally violates the fair credit reporting act. The fraudulent inquiries that appear on my account are a clear display of how XXXX is violating my consumer rights by selling and sharing my personal information and credit file with third parties that I did not initiate or authorize. Can XXXX explain why these companies were able to access my credit file without my prior consent? This is a blatant act of identity theft which is punishable by law both civilly and criminally. Furthermore the FCRA was created for the purpose of enforcing credit reporting agencies to report accurate and fair information and XXXX is doing the complete opposite. I have attached a 3 credit bureau report which clearly shows that XXXX, XXXX, and transuion are all reporting different, inaccurate, and fraudulent information on all 3 credit files pertaining to the same consumer, accounts, and inquiries. This is illegal! This is theft! This is punishable by law and will be pursued in a court of law if these accounts, incorrect personal information, and inquiries are not removed upon the receipt of this complaint. Please see all attached documents to support my complaint. I have faxed this information to XXXX but have yet to receive a response. Please find attached : 1. Letter sent to XXXX 2. proof of identification 3. US Dept of Justice complaint 4. Federal Trade Commission Identity theft complaint 5. copy of 3 bureau credit report displaying inaccurate reporting of information by all 3 major credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

Kohls stated my XX/XX/2021 billing that I did not my pay credit card balance statements for twXXXX months ( XXXX 2021 ), then put a ding on my credit reporting for non-payment. I received an email notice in XX/XX/2021 from Kohls regarding my lack if payment. 

I immediately XXXX XX/XX/2021 XXXX contacted Kohl 's Customer Service Dept. to investigate this issue. Upon my discussions with Kohl 's I discovered that Kohl 's sent my billing statements to the wrong address for the last two months and not to my old address, but an address I never heard of. I relayed that info to Kohl 's C/S without my success. I immediately paid off the remaining balance of the bill and have been escalating this issue through Kohl 's C/S Dept. with without much success. 

I have NEVER missed or was late with a payment to Kohl 's in my history with them. I have a had various issues with Kohl 's the last four years since I moved with packages being sent to the wrong addresses, However for the most part my billing has been sent to my current address, except for this incident.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit card account opened at XXXX  XXXX XXXX on XX/XX/XXXX under the account number ( private ), an auto loan account opened at XXXX XXXX on XXXX, XXXX under the account number ( private ), an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number ( private ), a loan account opened at XXXX XXXX  on XX/XX/XXXX under the account number ( private ) that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account.
Product: Mortgage

I applied for a cash out refi on XX/XX/XXXX. I received a call and completed the mortgage application with the loan officer. I uploaded the required documents and e-signed my disclosures. My credit card was charged for the appraisal and credit report in the amounts of {$490.00} and {$21.00}, total {$510.00}. I specifically told the mortgage company that I live in a townhome/PUD which is considered a SFR and not a condo. ( Prior to this application I had another application and they had my property as a condo and it received a PIW as a condo. Once it was changed to a PUD, the PIW dropped off, so I was very specific, this is a PUD, an appraisal is needed. ) I was told I would hear from them within the next 5-10 days. An appraisal was scheduled and completed on XX/XX/XXXX. The appraiser told me he would have it to the mortgage company on Monday, XX/XX/XXXX. On XX/XX/XXXX, I asked XXXX XXXX if they have received and if there was any update. I was told the same day they had not received it and the appraisal would send me a copy once completed. This is also the first day I hear froo+m the loan processor, saying the same, they will contact once received. On XX/XX/XXXX, I saw in my loan application, a condo questionnaire was ordered through my management company. I emailed the processor asking why as this is NOT a condo. Questionnaires are not needed on a PUD. ( I'm a 20 year, current, mortgage underwriter with all designations including conventional, FHA, VA, Non-conforming/Non QM, etc ). I did not hear back. On XX/XX/XXXX, after 2 additional emails asking these questions, I still did not hear back. ON XX/XX/XXXX, I reached out to their customer care team and let them know I was going to file this complaint. 3 team members called within 30 minutes. I was told they would check into my status. ON the same day, I received the appraisal, only for it to come in as a CONDO. I emailed them immediately. The processor called me. He said he would look into it. On XX/XX/XXXX, still no word, emailed again, reply was still looking into it. Then the processor manager emailed and said they had it set up as a low-rise condo. I told them this was incorrect and needed to be changed ASAP. As of today, XX/XX/XXXX, I still have not heard back. I sent an email today and no reply. I want the fees refunded and for this complaint to be published for others to see regarding the customer service issues and not acknowledging my emails as all of this would have been a non-issue if they would have confirmed they had my home as a PUD.
Product: Credit reporting or other personal consumer reports

I have reviewed my consumer credit report and the company XXXX XXXX has inaccurate information reporting on my consumer report. XXXX Account number XXXX stated that there is currently reporting that there is an amount due. I have contacted experience on several occasions to perform a thorough investigation and re-investigation providing accurate information. It was stated in a report that the credit bureau completed both a procedural investigation and a reinvestigation deeming the information as accurate. I have asked for proof of how this re- investigation was done and how this information was verified and was not provided with a response. This account was reported as charged off on the following date XX/XX/2024. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should not include an active payment history. This is inaccurate information falsely manipulates the statute of limitations. The account failed to be investigated properly and the neglect has violated my rights. XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX Under the Fair Credit Reporting act this account may not appear on my credit report if it can not be supported with proper evidence. I have asked and submitted substantial documentation to have this account removed from my credit report and that the fair credit reporting act is followed.
Product: Checking or savings account

I opened a savings account with PNC Bank. The bank gave me the option to fund the new account with a credit card and so I did. {$1900.00} was charged to my card and made it to the account on XX/XX/2018. A " cyberfraud '' security freeze was put on the account soon after. Now I can not move or withdraw the {$1900.00}. I call PNC to resolve the issue and they say that the only way I can have the account unfrozen is by going to a PNC branch for ID verification. PNC Bank does not operate in my state, California. I am not going to book a round-trip flight to a PNC location to get my identity verified. 
PNC should not have allowed me, a citizen of California, to open the account to begin with, if it requires flying to the east coast to verify ID.