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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX XXXX XXXX  Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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/year> Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Mortgage

I had a home loan with JP Morgan Chase Bank , N.A . and I am having a challenge getting correct account information. I am only asking for a simple answer : How many payments did i make between XX/XX/XXXX and XX/XX/XXXX What were the payment amounts and the payments dates. 
A statement would be great also
Product: Credit reporting or other personal consumer reports

Please be advised that this is my SECOND WRITTEN REQUEST asking you to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of your first re-investigation, you stated in writing that you verified that these items are being reported correctly. Where are the documents that you used to verify these accounts? What is the name of the person in your company who verified these accounts? What documents did they use to verify them? Please provide me with the name of that individual, their business address, and telephone number. 
XXXX XXXX XXXX XXXX XXXX XXXX, defines Verify as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) To confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. 
What this means is that your company must be willing and able to produce a document in your files that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ).

You have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I was making regular payments on my mortgage to the XXXX XXXX XXXX since XX/XX/XXXX. On XX/XX/XXXX the XXXX XXXX XXXX contacted me by written letter stating they were transferring me to Seterus, Inc. to service the mortgage. XXXX XXXX XXXX refused to accept my XX/XX/XXXX payment. I called Seterus six ( 6 ) times before they sent me a " Welcome Packet. '' received on XX/XX/XXXX. By this time I was two ( 2 ) payments behind because XXXX XXXX XXXX refused to accept payment and Seterus , Inc . had not sent me a coupon book or contact address or the new account number. Along with the Welcome packet came a letter in a separate envelope threatening foreclosure, and demanding payment for XX/XX/XXXX also. I was not late in any payment to XXXX XXXX XXXX but they refused to accept my checks! I could not pay Seterus, Inc because I did not have the new account number, or their physical address! I did pay the $ {$950.00} for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have received no statement or payment coupon. I intend to pay ; but this whole effort was to put me in default so that they could foreclose on my house
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602a, " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, Transunion, and XXXX are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604a section 2 states, " In general Subject to subsection ( c ), Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX, Transunion, and XXXX the financial institution and the Consumer reporting agencies XXXX, Transunion, and XXXX do not have my consent to furnish this information, and I never gave my written consent. Any and all consent to XXXX, Transunion, XXXX, and XXXX XXXX XXXX, whether verbal, non-verbal, written, implied, or otherwise, is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. " XXXX XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, Transunion, and XXXX are not maintaining reasonable procedures. Also, 12 CFR 1016.7 states " A consumer may exercise the right to opt-out at any time. '' I am opting out of your reporting services without my expressed permission.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 

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

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX. Account # XXXX, has violated my rights. 

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
Product: Mortgage

I sent QWR to Carrington mortage. I requested the owner of the note and all assingments. To answer the question why in XXXX/XXXX/16 besed on Carrington letter some one would of purchase the Mortage that was over five years knowing that the statute of limitation in florida is five years.THe QWR askes for backup of the escrows for insurance and taxes and provide no cancelled checks or reson for having escrow. The escrow are wrong. XXXX in partucular is for force place insurance of XXXX form the same insuarnce I had insurance with XXXX. My insurace was {$3400.00} and the price of the foce place insurance was XXXX. This is fraud. Why would a bank spend more money on insurance when thay have the old policies with ther renews to renew which are less expensive than force place insurance. The mortgage companies are in business to make a profit. thus spending less makes more money. It is aganst there charter to spend more on insurance and make less money.The amounts onwing are incorrect. No back up in provided. The Note holder has been escrowing {$120.00} a month for no reson for over 5 years. The interest which is variable and change each years is wrong. There is not XXXX consisting document. Please have the Note holder provide the documentaion of ownerership along with the copy the the check he purchese the mortage. Someone came by my house taking picture for potential buyers of my mortgage. Why was I not allowed to purchese my mortgage.
Product: Mortgage

Dear Investigator -- My home loan servicing company was changed from XXXX XXXX  to Select Portfolio Servicing , Inc. approximately 6-months ago. In setting up my new servicing account, XXXX XXXX  transferred a change for " XXXX XXXX '' in the amount of {$280.00}. I notified Select Portfolio Services ( SPS ) of this error immediately, and explained that for several years I had attempted to get XXXX to correct the error. XXXX had agreed to correct it many times, but never followed through. My attempts with XXXX, as with SPS were made all the more difficult because I was never allowed to speak to the same person twice. Every time I called, I had to start from the beginning. I did this for years -- approximately 6 or 7 years, to be exact! Now I find that SPS is no different. In the past 6-months I have made over a dozen attempts to get them to fix this error. I can never get the same person. There is supposed to be an account Rep Assigned to me XXXX XXXX XXXX XXXX, who has never returned an email or called me back. Even though a customer supervisor supervisor ( XXXX XXXX acknowledged today that I had made full payments, they refuse to remove the " Over-Charges '' that XXXX had added. 

Why should it take a consumer 6 or 7 or 8 years to get an accounting error corrected???? 

At this point, I'm ready to stop making payments to this company, all together who blatantly wants to steal from me, and presumably all their other customers. 

Please sanction Select Portfolio Servicing , Inc. to the greatest extent within your power. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

All credit agencies have absolutely XXXX reason to help or fix an individuals credit report. Why would they care? They are looking for fraud, scams, and Companies to help. They lower your score is as an individual the higher rate you pay a creditor. They are all the same. Working together to insure job security! They are all a XXXX  joke. I call it like I see it. Its ALL a SCAM!! The CFPB are the same. They do nothing but forward and send emails. Should you really think any agency cares if a date, amount, inquiry is wrong on our little insignificant report. XXXX No!
Product: Credit card

unfortunately no one has contacted me, I 'm angry and frustrated with this situation, you really need to do something with this BANK Wells Fargo, almost 3 months of this problem and not call, no one left not knowing me what has happened with my dispute case that I place from XXXX XXXX 2016 I 'm attaching you again the information. 
they just telling me is nothing, only that they waiting for responds!!. and me too I 'm waiting for answers and results!!! 


XXXX XXXX/XXXX/16 XXXX XXXX XXXX Dispute Initiated XXXX/XXXX/16 Upload Cancel XXXX XXXX/XXXX/16 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute Initiated XXXX/XXXX/16 Upload Cancel XXXX XXXX/XXXX/16 XXXX XXXX XXXX XXXX XXXX XXXX Dispute Initiated XXXX/XXXX/16 Upload Cancel
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX : XXXX, XXXX XXXXXXXX : XXXX, XXXX  XXXX : XXXX, XXXX : XXXX XXXX XXXX : XXXX XXXX, Experian XXXX and XXXX has failed to provide any proof of verification of disputed accounts. 

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. States a consumer reporting agency can not furnish an 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, and other adverse items 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

In early XXXX I requested copy of my credit report. CRA snail mailed me a link to open report online. Opened link, reviewed report found numerous errors. Contacted CRA and spoke with rep on fone, detailed errors. About one month later received correspondence from CRA that certain of the erroneous information had been deleted. Said correspondence included a link to review " corrected report '' Link did not work. Contacted CRA. CRA agreed link was faulty and promised to re-send a new link. Several weeks later received another snail mail letter containing yet another link. This link too was faulty. 
Contacted CRA again. CRA again agreed the link was indeed faulty. CRA agreed to overnight a hard copy of my report so that I could review my " corrected report '' Never received promised overnight letter containing report. CRA offered a case number for this request to-wit : XXXX. Re-contacted CRA on XX/XX/21. CRA now claims my file and report are " lost '' and can not be retrieved. Attempted to contact Lexis/Nexis corporate as the customer service people, while polite, are worthless. Unfortunately, Lexis/Nexis corporate is totally incognito and can not be reached. All the while, I am assuming that my file continues to be made available to their subscribers containing quite possibly incorrect and potentially libelous information. 
This company needs to account for their shortcomings. I'd recommend that a case be opened by CFPB and that civil money penalties be imposed for their flagrant abuse of the FCRA,
Product: Student loan

I have reached out to the department of education regarding the student loans for XXXX XXXX XXXX college with no help. I did inform them that the student loans were paid in full and was advised that they were not. i did reach out to XXXX XXXX Executive Director of Financial Assistance Services who also confirmed the loan were paid in full. 
I did receive the documentation that the loans and there are four of them are paid in full as well per Navient credit finance corp. these student loans for for the period of XX/XX/XXXX XXXX. I have tried to reach out to the umbootmans office however they advised they once they have an electronic signature they can put that signature on any document they want to and that proves i owe whether i do or not does not matter. I did ask for the call to be escalated and i never heard nothing back. I have also contacted the IRS since it was the XXXX taxes that was taken which should not have been. This issue is not resolved and i have attached proof the loan was paid off.
Product: Debt collection

I took out a loan with Rise credit for XXXX when and submitting the paperwork - it stated the estimated payment would be XXXX every two weeks. I have now been told that the payments are fluctuating because that first payment was only one day of fees. That was not disclosed and is completely unfair. I cant possibly afford fluctuating payments like this! 

I attempted to talk to there customer service department and there collection department, they only explained the payments fluctuate. What I want is to pay the XXXX every two weeks without compounding interest. 
From what rise is charging on a XXXX loan I would pay back close to XXXX - I need help and if I pay the XXXX every two weeks I will never get out of the hole the are putting me in. 
This company is robbing people!
Product: Checking or savings account

On XX/XX/18 I used my ATM card to deposit 2 checks totaling {$890.00} at Wells Fargo ATM at XXXX XXXX XXXX XXXX XXXX, CA XXXX. The ATM went XXXX XXXX. It would not return my ATM card or checks. I immediately reported the incident inside the branch. The ATM was not investigated or taken offline. The 2 checks I deposited totaling {$890.00} were not returned or credited to my account. I complained to the CFPB. 
In response, on XX/XX/18 Wells Fargo told the CFPB it had issued me Monetary relief of {$890.00} for the 2 checks I deposited that were lost by and in its ATM.

Then four days later, Wells Fargo issued me a XX/XX/18 letter saying it is going deduct the {$890.00} ( it told the CFPB it had issued me as Monetary relief ) because it has been unable to locate the 2 checks I deposited in its ATM. This letter says that I need to have stop payments put on the 2 checks I deposited in its ATM, at my or the issuers expense, and that I need to have the 2 checks reissued. 

Wells Fargo 's ATM ate my deposit. Wells Fargo lost the checks I deposited. Wells Fargo is at fault but burdens me with the remedy. Once a consumer inserts checks into a bank 's ATM isn't the bank responsible for them and obligated to deposit or return them? 

Is there no sanction when a Bank submits a false response to the CFPB?
Product: Student loan

I submitted a previous claim with this company due to the inability to assist me in lowring my payments. since my previous claim was closed I would like to start a new forrnefor misinformation given about my extended repayment payment. I was advised it would be XXXX @ 284 months 1 payment at XXXX 1 payment at XXXX XXXX payment at XXXX and my last payment would be XXXX for a total of 300 payments. I looked at my statement last week and its now upto XXXX dollars a month which I can not afford. can you please look into this thanks
Product: Money transfer, virtual currency, or money service

I, XXXX XXXX transferred funds to a fraudulent person through Cash App. I am seeking refunds for each amount, as I was deceived by the fraudulent person, I paid this person for a service that was not completed. My computer was hacked, and this person was repairing my computer. He did not do the job, and I had no way to contact him. As I was deceived by the fraudulent person. Following are the transactions and dates. 

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 was a victim of fraudulent transactions, which is a clear violation of trust and legality. The fraudulent person intentionally deceived me, leading to financial losses. 
On my first attempt to get this settled. I spoke to a support person who told me that someone would follow up with me concerning my issues. After trying to figure out how to reach support, I found that not everyone was manning all of the support stations listed on the app. When I finally reached someone, they asked me to complete some questions to get an idea of what they needed to look for. I had to answer the questions for each transaction only to come to the same conclusion, he couldn't help me so he gave me that pre-typed wording and he was gone. I went looking for another support person. Only to do it all over again, including answering the questions. Then he couldn't help me so he blew me off again. When I tried to ask via texting a question, he would post the disclaimer saying he couldn't help me and I needed to talk to someone else. Mind you, when I finally get in touch with another support person, I would have to do the questions again. I ANS WERED THOSE QUESTIONS AGAIN! Now it's too late and I have to wait until the next day. I located the contact number for so one in administration via. Block Inc. I still get no satisfactory answer. The following are the questions. This lack of support from the service provider exacerbates my situation. 
Cash App, as a financial service provider, has a legal obligation to protect its users from fraudulent activities and provide a means for dispute resolution. 
It is only fair and just that I be reimbursed for my losses. The principle of fairness demands that victims of fraud be compensated for their losses, especially when they have taken reasonable steps to seek resolution. 
There have been previous cases where financial institutions have been held accountable for failing to protect their customers from fraud. This case should follow similar precedents to ensure justice is served. 
I deserve to have my funds returned as a matter of fairness and justice. The fraudulent transactions were beyond my control, and I have made every effort to resolve the issue through the appropriate channels. It is imperative that Cash App takes responsibility and provides the necessary support to rectify this situation. 

Sincerely, XXXX XXXX XXXX XXXX