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

Credit agency failed to conduct a reasonable reinvestigation on the disputed information due 30 days from the date they received the dispute for the follow items : XXXX XXXX XXXX {$790.00} XXXX XXXX XXXX XXXX {$30000.00} XXXX  {$14000.00} XXXXXXXX XXXX {$3500.00} XXXX XXXX {$0.00} XXXX XXXX - XXXX {$4700.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX {$2700.00} XXXX {$1400.00} XXXX {$8800.00} XXXXXXXX XXXX  {$4000.00} XXXXXXXX XXXX {$5200.00} XXXX XXXX XXXX XXXX {$890.00} XXXX XXXX XXXX {$16000.00} XXXX {$3500.00} XXXX XXXX - XXXX {$4700.00} Unauthorized Inquires : XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/20XXXX 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  You have willfully failed to delete the disputed accounts and unauthorized inquires that are not tied to any accounts because you said it remains and that inquires are factual. However, your excuse or assumption is not a valid reason under the FCRA to not reinvestigate my disputes. Note, you have no reasonable determination that my dispute was frivolous or irrelevant nor have you sent me notice of such determination that complies with the FCRA.
Product: Credit card or prepaid card

i got a cedit card from capital one master card someone uesd my account to get some food i called and told them that someone ordered food so they sent me another card i did not get the card they sent another card they uped my credit limit from XXXX to XXXX i used the card once tryed to use it again and they had closed my account they put me in the credit bureau closed account owning XXXX they closed the account XX/XX/XXXX i was making all of my payments on time i had been paying capital one for XXXX XXXX on a closed account i stop paying them in XX/XX/XXXX i pay my bills on time i cant even get a credit card this has made my life bad i cant get any credit because of this i have call and called they cant tell me what happen at first they said i had a return payment i have bank records that i payed on time if it was fraud why would i have to pay i dont know whats going on i need my credit fixed and my money back for paying them for XXXX XXXX on a closed account and its still on my credit report as closed account they are sending letters that they are going to send me to collections its already on my credit as being closed they are trying to really do me bad the first how a second time
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided I wanted to try and purchase a house at the beginning of XXXX so I pulled my credit reports. I have a XXXX XXXX credit card that is open and in good standing today. What I found upon pulling my credit report around XX/XX/XXXX was that there was another XXXX XXXX XXXX opened in my name around XX/XX/XXXX that does not belong to me. I submitted a letter to XXXX XXXX to let them know that the card that was opened, was opened without my authorization and does not belong to me. I did not receive a response to my letter sent. I then called XXXX XXXX around the end of XX/XX/XXXX directly and they confirmed that I do have a current account in good standing and notified me that the account that did not belong to me would be removed immediately as it was issued without my consent or authorization to whatever unidentified party. XXXX XXXX has yet to remove this account from my credit report. It is hurting my credit profile and makes me look like someone who doesn't fulfill their obligations when it comes to extending credit. Please help me get this information removed from my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

DEPTEDXXXX {$0.00} Closed 2 late payments DEPTEDXXXX {$0.00} Closed 2 late payments DEPTEDXXXX {$0.00} Closed 2 late payments DEPTEDXXXX  {$0.00} Closed 2 late payments DEPTEDXXXX  {$0.00} Closed 2 late payments DEPTEDNELNET {$0.00} Closed 2 late payments DEPTEDXXXX {$0.00} Closed 2 late payments DEPTEDNELNET {$0.00} Closed 3 late payments DEPTEDXXXX {$0.00} Closed 3 late payments DEPTEDNELNET {$0.00} Closed 3 late payments DEPTEDXXXX {$0.00} Closed 3 late payments DEPTEDNELNET {$0.00} Closed 3 late payments DEPTEDXXXX {$0.00} Closed XXXX late payments all not mine and filed ftc dress XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX address not mine XXXX XXXX Account NumberXXXX Account TypeCollection ResponsibilityIndividual Date OpenedXX/XX/2020 StatusCollection account. {$210.00} past due as of XX/XX/2020. 
Status UpdatedXX/XX/2020
Product: Bank account or service

TD Bank has continued to manipulate accounts to insure added fees are accessed. I have been an account holder for 4 years and it has continued and I have called them on many occasions and they have refunded them however this year they have been active in refusing to refund the fraudulent charges
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
We've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not update the accounts because they feel they're above the law. When questioned why they're not accepting the Dispute Letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Dispute Letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 

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
Product: Debt collection

This debt had a judgement placed against it originally XX/XX/XXXX. I made several different payment arrangements with this creditor and was paying $ XXXX/month as well as other random amounts from the time of judgement until XX/XX/XXXX. This was an auto payment coming out of my account but apparently it lapsed in XX/XX/XXXX. In XX/XX/XXXX I contacted them and when discussing the last payment I asked for information regarding the original amount of the debt, the amount I had paid thus far and how much more remained in the balance. I was told I would be sent an email detailing this information. I have never received an email from them and it now almost XX/XX/XXXX. I have not received a call back despite leaving a voicemail for XXXX, with whom I've been working. They're website where you make a payment also do not show remaining balances or something showing you how much has been paid so far. I feel that after 8 years paying on something that was originally a less that {$2000.00} debt, I've more than paid this off. I want it off my credit and for the account to be closed and no longer have a negative impact.
Product: Mortgage

I reached out to my mortage company on XX/XX/2020. I requested a Forebarance. I was told by the rep I had already used my forebarance periods, except 1. I asked her to look up that I had not ever missed a paymet before XXXX, however, she didn't speak english and I couldn't understand her. I asked for a translator, via email but no one ever responded to me. I did request the 1 last forebarance period Homebridge said I had online, but was denied. Now they are showing a late payment. I have tried reaching out 6 times via chat and email but they always give me a canned answer or disconnect.
Product: Checking or savings account

I engaged with Credit Karma for early access to my tax refund. I have been unemployed for several months and am doing everything I can not to take government funding, or loans out. I am also a single parent with a son who has had XXXX surgeries since last XXXX. 

I know I was paying high fees for the advance and accepted this given that I needed the money. 

On XX/XX/year>, Credit Karma took {$2300.00} from my account claiming the IRS issued a " recall request ''. 

As of XX/XX/year>, the IRS has no knowledge of this request and has not received funds from Credit Karma. When calling CK, their customer service is very limited and does not speak fluent English, therefor does not understand the issue. They have also stated that they do not have an escalation path for phone callers. 

Despite XXXX phone calls and XXXX emails, Credit Karma is unable to provide documentation of returned funds and documentation of the IRS recall. 

This was either a fraudulent request, or that CK is not making records available. Either way, I need assistance pursuing this further. 

Thanks, XXXX.
Product: Credit reporting or other personal consumer reports

On multiple occasions Ive tried to accurately report the correct information as well has have the companies take responsibility to have themselves report and to update current and reliable information. This letter is to formally advise you that I believe your company has violated several of my consumer rights. Specifically, you failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus, another FCRA violation. My student loan are to be considered paid in full but not removed from my report as I would like to have a positive credit score. I do know and understand that by law we have the right to opt out of certain information as well as to be notified weekly and monthly on the terms and conditions of our credit reports. I would like to also like to get my actual credit file not just my credit report. 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 1681s-2 ( 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 168le 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? '' Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. ''
Product: Mortgage

I am filing this complaint against Cadence Bank regarding the mishandling of my VA Home Loan application, which has led to significant financial loss and undue stress.

Here are the details of my experience : Timeline of Events : XX/XX/2023 : I applied for a VA Home Loan with Cadence Bank. 
XXXX XX/XX/2023 : I closed on the VA Home Loan with Cadence Bank.

Throughout the Process : I repeatedly informed Cadence Bank about my pending VA XXXX status, emphasizing the importance of this information for the loan process. 
XXXX XX/XX/2023 : I completed and signed a VA Form XXXX ( XXXX XXXX XXXX ), as requested by Cadence Bank . However, this form was never submitted to the VA.

Issues Encountered : Failure to Submit Form XXXX : Despite my completion and submission of VA Form XXXX, Cadence Bank failed to forward this crucial document to the VA. As a result , I lost the opportunity to be refunded my {$7000.00} lending fee. 
Poor Communication and Service : The interaction with the VA underwriter from Cadence Bank was consistently frustrating and unhelpful. The VA underwriter repeatedly attempted to delay the closing process citing my pending XXXX status. This behavior, in hindsight, should have raised red flags regarding their competence and adherence to proper procedures. 
Lack of Compliance with Circulars : Cadence Bank neglected to adhere to Circular XXXX, which outlines the appropriate procedures for VA Home Loan applications. Had they followed these guidelines and submitted the necessary paperwork, I would not have been charged a lending fee in the first place.

Denied VA Funding Fee Reimbursement : Despite my efforts to rectify the situation, the request for reimbursement of the VA Funding fee was denied. This denial was a direct result of Cadence Bank 's failure to follow proper procedures, rendering the process retroactive and leaving me unable to correct the error and receive the refund from the VA.

Conclusion : Cadence Bank 's mishandling of my VA Home Loan application has caused significant financial hardship and emotional distress. Their failure to submit essential paperwork, communicate effectively, and comply with established circulars has resulted in the loss of a substantial amount of money that I am entitled to as a XXXX veteran. I urge the CFPB to investigate this matter thoroughly and ensure that appropriate actions are taken to rectify the situation and prevent similar incidents in the future.

Attached Documents : VA Form XXXX ( XXXX XXXX XXXX ) Circular XXXX Document showing the denial of VA Funding fee reimbursement
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$4700.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Debt collection

I received a 30-day notice of the debt by ProCom services about a year after this debt was supposedly to have occurred. As I was completely unaware of any debt to the company they were representing, I asked for debt verification, which was never provided. Instead, the account was reported to the 3 Credit Bureaus without any attempt to resolve the discrepancy.
Product: Money transfer, virtual currency, or money service

I am filing a compliant 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 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 Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

They should have been resolved 45 days ago! I dont understand why this issues hasnt been resolved yet. I have false information on my consumer report and they have been sent the documentation and it still hasnt been removed. I read on the FCRA website that they have 4 days to block fraudulent information according to 605B, and yet they have decided to break the law. This is abusive behavior and they are not in compliance. The following items should be remove immediately. 

XXXX XXXX # XXXX Direct Violation 605B, delete now XXXX XXXX XXXX direct violation Direct Violation 12 CFR 1026.10 ( F ), delete now XXXX direct violation Direct Violation 12 CFR 1026.10 ( F ), delete now
Product: Credit card or prepaid card

I noticed a purchase on my transactions that I did not make. I am in Louisiana and it says Arizona. I have tried to report this to the credit card company. I called the number on the back of the card ( the number can not be found online ) and it is and endless loop of a recorded message, a brief hold, and the phone ringing. I went online to get help. I clicked the link to consumer center and it logs me out. I have also tried to pay my bill online and it takes me to a screen that says I must use my banks bill pay feature.
Product: Mortgage

Ref- Case number : XXXX I just received a call from a representative at Wells Fargo 's Executive Resolution Department where she explained to me that Wells Fargo 's conclusion to my complaint is that I should 've " tried harder '' to get a hold of my processor if I truly wanted to lock in the rate the date that I emailed him. She also proceeded to explain that if I could n't get a hold of him over the phone that I should 've escalated the issue to a manager so I could get a prompt response. I explained that perhaps I would 've if I would 've gotten an out of office response from my processor, but he neglected to have one set up on his email and voicemail. I am very disappointed with Well 's response because this is a big company that should be held to higher standards. Where I work, when you are out of the office you set up an out of office response on your email so people know you are out, when to expect you back, and who to contact for immediate assistance. ( Same goes for voicemail ) Wells Fargo does not believe in this type of best practice. 
As for updating their website to explicitly state a purchase agreement is required to lock a rate, I was told that it is still under a review as to if it is getting updated or not. I 'm not sure how my complaint can be closed out without having a completed review of well 's website if I was directly impacted by the information that was provided on there. I was also told that it was the employees responsibility to inform me what was needed and not the website. That begs me to question why Wells Fargo even has a FAQ page then, if its not complete and accurate, because I 'm clearly being told I should 've only inquired by phone. I disagree with the responses I was provided by Wells because they are excuses and I 'm getting pinned as the customer because they claim I should 've done more to get a prompt response ( instead of 4 days ). I should n't have to suffer for someone who is out of office and I do n't know about it, a different employee should 've had access to his emails and/or my file. What happens when people go on vacation for a week? Do people 's files stay at a stand still? I would like further review from the CFPB and get CFPB 's input on my complaint because I am being treated unfairly.
Product: Credit reporting, credit repair services, or other personal consumer reports

the credit reporting agencies continue to violate my rights the fair credit reporting act says under 15 usc notice of results of reinvestigation ( A ) a consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later the 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency also 15 usc 1681 ( A ) accuracy and fairness of credit reporting ( 4 ) states there is a need to insure that the consumer reporting agencies exercise thier grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy also see 15 usc 1681 ( B ) 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 15 usc 1681s-2 responsibility of furnishers of information to consumer reporting agencies ( a ) duty of furnishers of information to provide accurate information ( 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 reason to believe that the information is inaccurate 611.procedure in case of disputed accuracy 15 usc 1681 i ( A ) reinvestigation of disputed information subject to subsection g if the completeness or accuracy of any item of information contained in the consumers file at a consumer reporting agency is disputed by consumer the agency shall free of charge conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate i am submiting documents with this complain proving that the credit agencies are violating my rights and ask that you please remove the following items from my consumer report ACCOUNT NAME ; XXXX XXXX XXXX XXXX XXXX ACCOUNT NAME ; XXXX XXXX XXXX XXXX XXXX ACCOUNT NAME ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT NAME ; XXXX XXXX ACCOUNT NUMBER ; XXXX ACCOUNT NAME ; XXXX XXXX XXXX ACCOUNT NUMBER ; XXXX as you will clearly see there is alot of in accurate information on all of these account i have hilighted all of the inconsistencies and inaccurate information XXXX my credit report XXXX also sending you the letters i sent to the reporting agencies. 
15 usc 1681 ( e ) section ( b ) compliance procedure section 1681 ( b ) accuracy of report 15 usc 1681 section 602 i have the right to privacy section 604 a consumer reporting agency can not furnish an account without my written instruction
Product: Credit card or prepaid card

On XXXX XXXX or around that day, I applied for Citi Card at our local Costco store. The first time I entered the application online at the Costco store, the staff from Costco said I need to call Citi Cards. I did at that moment and they said it was denied because my XXXX XXXX did n't match. Costco membership had my old XXXX XXXX " XXXX ''. The representative on the phone from Citi Cards advised to have Costco membership change my name and resubmit new application for the credit card within the next 5 minutes. Which I did! This all happened in the matter of 20-30 minutes. 

I filled out a second application after my name was updated in Costco system. The second application again said I need to call Citi Cards. Which I did! The second time i called Citi Cards, the representative did not say anything but just said I will get a response in the mail in 10 business days. They do n't tell you " you are denied over the phone '' I understand. but when I received the letter from them, stating " Unfortunately, we ca n't approve your application. We reviewed your application and cant approve it because we could n't verify the accuracy of some of the information you provided. REALLY!!! 

I have ID theft protection on my credit reports, I have recently applied for other credit ( $ XXXX for a new car ) and was approved with NO ISSUES. When I apply for new credit ( normally ), the creditor gets prompted security questions they need to ask me before they proceed. The CITI Cards people just plain denied my application for " could n't verify the accuracy of some of the information you provided '' WHAT ACCURACY! maybe be more transparent over the phone and tell consumers what is going on!!!! 

I do n't know if CITI was plain lazy in proceeding with my application or there are some flaws in their system, but I find it OUTRAGEOUS that they are denying me for a credit card that charge almost XXXX % interest rate, while just a few months ago, I have been approved for credit cards with interest rate at XXXX %, and car loan at the amount of $ XXXX This is rigged. And on top of it, they will report me to the credit bureaus as denied because they did n't do they due diligence and XXXX me over!