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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX Balance Owed : {$7000.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$5900.00} XXXX XXXX XXXX Balance Owed : {$2200.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

I received a XXXX from Ocwen dated XX/XX/XXXX forgiving {$200000.00} which resulted in a unpaid principal balance of {$380000.00} ( see attached exhibit A ). I subsequently received a loan modification dated XX/XX/XXXX ( after a series of mishaps with Ocwen described in a letter from Ocwen dated XX/XX/XXXX ) ( attached Exhibit B ). This loan modification indicated that my principal balance was {$500000.00}. along with a balloon mortgage of {$210000.00}. My payment history indicates a current balance of @ {$370000.00}. ( attached as exhibit C ). I do not agree with the addition of this mystery balloon payment as there are no representations of it anywhere else in my records. 

I will file two separate complaints for other concerns that I have with Ocwen, but would like your assistance in getting a concrete explanation of the purported balloon mortgage and acknowledgement from Ocwen that this will not be added to my balance now or in the future
Product: Mortgage

I applied for a mortgage thru XXXX Thru New American Funing XXXX XXXXXXXX My credit score is in the XXXX or higher range but because I had seriously delinuency which does not belong to me under my name it is someone else SSNumber listed I tried to explain that to them and that I had sent in my information to all three credit bureaus trying to get it deleted. The credit bureaus have not responded back to me I even asked for an updated copy of my credit report and haven't received one from either credit bureau. So XXXX denied my loan because of the inaccuracies on my credit report even after the explanation. They have a clause stating that they do not check your credit well obviously they do and denied me because inaccurateness ' on my credit report. I don't understand because they simply stated that they work with bankruptcy, low scores and bad credit so if they do why was I denied. Thanks
Product: Credit reporting or other personal consumer reports

There are numerous inquiries on my reports that I did not make. These inquiries are violating my right to accurate credit reporting. They need to be deleted from my credit file ( s ). FTC advised me to report them to CFPB directly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax 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: Checking or savings account

In reference to # XXXX I received communication from the thoroughly dishonest Bank of America. XXXX not just to me but to officials of the US Government. I believe that is a crime. I object to the 60 day response period. I object to the bank saying they could not verify my identity. Really? Last I am in possession of an e-mail from Bank of America that proves they are lying. Either that or they can not do simple arithmetic. Not only do I want this resolved in my favor I want the CFPB to open a class-action as I am sure the bank has injured thousands and thousands more. E-mail available on request. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have sent a lot of previous letters to you, requesting that you remove inaccurate information from my file and you have failed to do so. Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters stated my reasons for an investigation and these reasons were not frivolous in any way. If this final request does not prompt you to conduct a proper investigation of these accounts in question, and send proof to me of said investigation, I will file a civil suit in my county for damages and you can travel to defend yourself. I take my credit very serious and your lack of professionalism and assistance disappoints me. I am well aware of my rights under the Fair Credit Reporting Act and I intend to pursue them to the maximum. I recently pulled my credit report and noticed that you were reporting against the FCRA standards. How can I possibly owe two balances to two different companies for one account? Please explain to me how I owe this same alleged debt to two companies? The account was paid in a settlement and therefore removed from my credit report. The account was sold to a collection agency without my knowledge. The account was settled with the collection agency. It seems to me as if you are unclear yourself otherwise you wouldnt be reporting these erroneous accounts. Please delete this account from my credit report immediately. I would like to resolve this and I will consult with an attorney to pursue legal action.
Product: Prepaid card

I signed up four days ago ( Saturday XX/XX/XXXX ) on a computer as I had received the card with my unemployment funds. 

I tried signing in on the same browser immediately minutes after establishing an account and confirming my card. The system said I signed in from an unknown computer and I was locked out of my account for XXXX hours. 

Two days later I attempt to sign back in. The website was malfunctioning. The app was malfunctioning. I couldn't access the login screen. 

I attempting to sign in through three separate computers, and three separate browsers. All failed. 

I tried signing in on an android app, and an apple/iPhone app. All failed. 

The login portal finally loaded after five hours but has been refusing my login credentials. It claims they are wrong. 

I have spent XXXX hours over four days resetting passwords, confirming username etc. Nobody is able to grant me access to my account. They file " internal tickets '', they file " supervisor callbacks '', which all mysteriously go missing in their system. 

I tried using the automated phone system to withdraw money. It will not allow me to do so. It claims errors. 

I tried withdrawing money through an approved atm, it refuses the amount and says it's too large even though it's under the described allowed limit ( {$600.00} ). Their customer services says their is no trace of me attempting withdraws. 

The whole system has me locked out. Nobody is able to help after spending four days trying to get it resolved. My money is being held hostage by money networks.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Transunion for failing to properly investigate my disputes regarding inaccurate information in my credit report. Despite my submissions Transunion consistently responds within 24 hours stating the accounts are accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act, 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Transunion actions may also contravene the CFPA,12 U.S.C . 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB recent administrative proceeding ( File No. 2025-CFPB-0002 ) against XXXX for similar violations XXXX I request that the CFPB take action to ensure Transunion complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I sent a verification request asking for surety bond, original creditor agreement and collection verification. Sent request on XX/XX/year>. I found that their bond filed with XXXX XXXX XXXX XXXX is not valid. I sent this debt collector a copy of the bond showing cancelled. In Texas its required under Texas Finance code under Sec. 392.101 that a debt collector must have a active surety bond filed and registered with the XXXX XXXX XXXX. I did received partial information from debt collector regarding the debt but did not get Surety Bond information as requested or a copy of the agreement between the debt collector and the original creditor. I had my acting agent contact the the debt collector and they refused to give him any bond information and was in fact not compliant in his request. They did verify hos POA when sent. Their was no reason to not communicate about the debt and bond request I have attached his sworn statement Affidavit that has been notarized. I do not feel I owe this debt and feel the collection agency is acting in bad faith.
Product: Credit reporting or other personal consumer reports

I called Transunion to get my credit score report on XXXX XXXX and

after receiving it, I noticed there were some hard inquiries that do not have permissible purpose according to 15 USC 1681b.

I attached my credit report and letter showing that Transunion is in violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate. XXXX XXXX XXXX will try and tag it as as a duplicate. 

The fair credit reporting act states that any information reported by a creditor, collection agency, furnisher, must have accurate, fair, and complete data and as you will see on the attachment there are days that arent even reported. This is in violation of law, and financial data has been warned of this violation before and it has been over 30 days with no correction.
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  Account # XXXX XXXX XXXX credit, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not my account. Plus why would a there a balance on this account if it's a Charge-Off? The alleged debt and balance on this account is being reported differently on all 3 credit agencies ... Therefore, this account is inaccurate and needs to be delete per the Fair Credit Act. The credit agencies will be held liable for the inaccurate information and sued. XXXX XXXXXXXX XXXX XXXXXXXX XXXX  # XXXX ; XXXX Please provide the original instrument of indebtedness, Validation of debt, Method of verification as this is not my accounts.
Product: Debt collection

Having filed initial complaint around collection activity pertaining to a debt not owed, I received communication that the collection account would subsequently be removed from my credit reports with all three bureaus. Several months later, that has still not happen, and debt is currently being reflected across all three credit reports.
Product: Mortgage

On XX/XX/XXXX I applied for a modification due to financial hardship. They never requested any documentation or mailed me a denial letter ( it was denied XX/XX/XXXX ) due to the fact that our mortgage payment would stay the same. I applied on XX/XX/XXXX and it was denied on on XX/XX/XXXX for the same reason. Again, they never requested any documentation or notified me by mail. I only became aware because I checked my online account with them. On XX/XX/XXXX they offered another opportunity to apply for a modification and while it was in step XXXX they denied stating that we had too many prior modifications. Once again they did not send any paperwork through the mail or request further documentation. I spoke with a representative in XX/XX/XXXX and requested documentation of why I had been denied. I requested information on how to file an appeal and they emailed and sent me the documents in the mail.
Product: Credit card or prepaid card

Statement balance from XX/XX/2022 statement showed XXXX. I downloaded XXXX file of statement and discovered that the previous payment of XXXX was recorded on the statement but was not deducted from the balance. My credit card company is now charging me XXXX in excess of purchases actually made ( purchases calculated to be XXXX ). I have spoken to multiple people who have not been able to seem to understand the problem which could easily be solved by them just doing a simple calculation, instead they just read the statement to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I went to Experian and received my credit report. On this credit report it is only showing XXXX account that's opened. 

On XX/XX/XXXX, I went to XXXX and received the XXXX XXXX report that list all accounts and shows what's being reported to each credit bureau. They only showed XXXX account being opened. 

On XX/XX/XXXX, I reached out to XXXX to inquire about why all of the Experian accounts weren't being opened. Example : my husband and I have a joint mortgage account and the mortgage information is seen under all three credit bureaus, but for me, it's only showing up on XXXX and XXXX. Another example : I have a credit card and I have my husband as an authorized user, his card is showing up under all three credit bureaus, but it only shows up on mine under XXXX and XXXX. 

On XX/XX/XXXX, I went to Experian and it's now showing XXXX open accounts and XXXX closed accounts. All of the opened accounts have been opened over 12 months and nothing new closed within the past XXXX months. 

I received a response from XXXX on XX/XX/XXXX and was told I had to contact Experian because they pull the information from Experian. I called XXXX and explained what I wrote above. I spoke to XXXX different people, and they all stated that yes, I have XXXX open accounts and XXXX accounts, but this doesn't fix the issue. 

On XX/XX/XXXX via XXXX, the XXXX  Score XXXX was a XXXX. On XX/XX/XXXX, when I went to the Experian website, the XXXX  Score XXXX shows me at a XXXX. That's a XXXX difference. 

As a consumer, I know the importance of having accurate information on my credit report. The less accounts reported, the lower the XXXX  Score, so for XXXX  to only show one open account for Experian, it made me a little upset. I'm not in the market to finance anything, but if it's happening to me, how many other people is it happening to? 

I don't know where the issue lies. Is it with XXXX  or Experian?
Product: Debt collection

Concern Related to Balance of Debt I am disputing the following charges : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As noted in the attached email correspondence with the management company, the state of XXXX  does not allow any blanket cleaning charges at the end of a lease agreement unless there is documented damage beyond wear and tear. The management company or landlord would need to demonstrate to the tenant that there were specific damages beyond wear and tear ( e.g. a burn in the carpet or a hole in the wall larger than the average nail hole ) and that the charges are to specifically address that damage. Blanket charges like cleaning fees and carpet cleaning as you see above are not permissible in XXXX. The law goes even further to say that these charges are not allowed EVEN IF the landlord has placed a clause in the lease. 

The following language is in my lease agreement ( attached for your reference ) : You must thoroughly clean the dwelling unit, including doors, windows, furniture, bathrooms, kitchen appliances, patios, balconies, garages, carports, and storage rooms. You must follow move-out cleaning instructions if they have been provided. If you dont clean adequately, youll be liable for reasonable cleaning charges. Upon vacating the unit, I cleaned thoroughly. No evidence has been given to suggest otherwise. When I asked about the generic cleaning fees, the manager said we just charge everyone a standard cleaning fee. You have to prove you hired professionals, otherwise you need to pay. Not only is this against the law in XXXX, it is also against their own lease agreement language. No clean out instructions were provided to me and no one alerted me to the expectation that I would need to have professionals clean the unit. 

In the state of XXXX, a property is only allowed to charge cleaning fees if they are explicitly named in the signed leasing agreement, and even then, they can not be to cover anything considered " normal wear and tear. '' This varies across states, as I am sure you are aware because in XXXX  it is allowed by state law, but in XXXX  you can only charge a renter cleaning fees if you have documented proof that the apartment was damaged beyond normal wear and tear ( i.e. rips in the carpet, large stains on the walls ). There was no such damage when I departed the unit. 
These laws are described in detail on the XXXX  state website ( XXXX XXXX  ) : XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX Account Name : XXXX XXXX XXXX XXXX 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 that 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 Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

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

RE : EXPERIAN CREDIT REPORTING I have noticed 14 unauthorized inquiries on my report. According to the FCRA, these unverified and unauthorized items must be removed as soon as possible. 

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 Despite requesting these to be removed- this has been unsuccessful.
Product: Mortgage

Loan servicing company did not contact me, send mail or correspondence about second mortgage for about 10 years or more. 
Now they want to foreclose on my house. 
By law, the loan servicing MUST have contact with me via phone calls, letters or other medium.. 
This is a loan for {$50.00} XXXX dollars.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX ( XXXX ) XXXX XX/XX/year> Re : Dispute of Charge-Off Account [ Creditors Name ], Account Number : [ Account Number ] I am writing to formally dispute the inaccurate reporting of a charged-off account listed on my credit report by XXXX This account, identified with the account number XXXX is being falsely reported with a balance of XXXX This charge-off is incorrect for the following reasons : 1. False Reporting : The balance reported on this account is erroneous and does not reflect the current status of the debt. I demand that you provide immediate proof of the accuracy of this balance.

2. Failure to Validate Debt : According to my records, no proper validation of this debt has ever been provided by [ Creditors Name ]. Under the Fair Credit Reporting Act ( FCRA ), you are required to verify the information within 30 days. Failing to do so means you are obligated to remove this account from my credit report immediately. 
3. Potential Legal Violations : I am fully aware of my rights under the FCRA, as well as my rights under the Fair Debt Collection Practices Act ( FDCPA ). If this inaccurate information is not corrected or removed promptly, I will not hesitate to seek legal action for damages caused by these false entries.

I demand that you investigate this matter immediately. If this account is not verified and corrected within the legally mandated timeframe, I expect its complete removal from my credit report.

Please be advised that I will be tracking this dispute closely. Should this issue not be resolved to my satisfaction, I will take all necessary steps, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. 

I expect a full written response and confirmation that this charge-off has been rectified or removed from my credit file. 

I've enclosed two forms of identification to prevent any further stall tactics Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cashapp ( 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 vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fraud transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress