23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I put a contract on a newly construction around XX/XX/2022 for a townhouse with XXXX home. I was assigned to a loan officer named XXXX XXXX who worked for NVR Mortgage. I wanted to apply for the USDA program in which XXXX XXXX didnt recommend. He stated that I would enter into a mortgage upside down which was confusing to me. During the whole 6 months process XXXX XXXX sent me on a wild goose chase, had me so confused to the point my realtor and I complained several times seeking to use a different lender but was told that I had to use XXXX XXXX. My main complaint is XXXX XXXX insisted that I had to purchase a car under XXXX from the money I used for the down payment to prove that I had transportation in order to get to and from work. XXXX transferred the money I gave them in The beginning back into my bank account. On XXXX XXXX at XXXX XXXX XXXX told me to start looking for a car. I was rushed and was given until the end of their business day to find a car get to my bank to get a cashiers check, and submit the the proof to XXXX. The day after I purchased the car I received a call from XXXX XXXX that he did a soft pull and saw that my credit score dropped XXXX points and I could not get the USDA loan. This whole process caused me to have XXXX and XXXX, which ended me in a XXXX XXXX XXXX. Thus whole situation put me in an extremely bad financial burden, I believe this was discriminatory. And because I was rushed to buy a car before the end of NVR business hours I ended up with a car that had lot of issues to which I had to put more money that I didnt have into. I had to start another loan process all over again with another lender with a FHA program, higher interest rate and higher mortgage payment. This was the worst experience that I ever had to endure in my entire life. NVR Mortgage showed no concern nor did I receive an apology or phone call from them. I worked long and hard hours hoping to get my dream home. I did everything I was told to do by NVR Mortgage I feel disappointed and felt this was a racist behavior and something needs to be done.
Product: Credit reporting or other personal consumer reports

15 usc 1692 design to eliminate abusive, deceptive, and unfair debt collection practices 15 usc 1681s-2 Responsibility of furnishers of information to consumer reporting agencies 15 usc 1681 ( n ) Civil liability for wilful non compliance 15 USC 1666 ( b ) timing of payments A creditor my not treat a payment on a credit card under an open end customer credit plan as late for any purpose 15 USC 1681 ( c ) 2 Blocking information resulting from XXXX XXXX
Product: Debt collection

Two issues : 1 ) Harrassment after being told to never call my number and add my number to their company do not call list. They've been calling daily or weekly for months. 

2 ) I recived a debt collection notice that included NO debt collection required information, purportedly from " XXXX '', but it appears likely that this is in fact from Portfolio Recovery and not actually related to XXXX at all. Especially since it includes " sale of this account to a third party '' and " do not send payments or correspondence to the above address ''. 

The problem when it happened : I ordered new SIMs for new cell phones online. The system would not allow me to order one for one of the devices, so I called in to add that device. The company could not find the order I had placed online and said it didn't exist. So they opened a new order and added all the devices ( including the one the online system couldn't handle '' ). 

When the order arrived, both sets of sims arrived. I called to activate and discussed the double order, they said to just keep them since they are free anyway and I could otherwise ignore them unless I some day needed extra sims. The SIMs I ordered on the phone worked fine, I used the account for over two years, no problems. But ... 

Then I got a collection notice several weeks later for the unused SIMs. No " invoice ''. No " overdue notice ''. Just straight to collections. I called in and XXXX cancelled the account ( this took OVER two hours! Recorded! ).  Unfortunately, the account rep on the phone didn't XXXX the balance before terminating the account due to a technicality related to a non-existent PIN number ( since there was no account ... no PIN ). I have a recording of this conversation from XX/XX/17, it lasted two hours and involved many bounces, people, and apologies. At the end of the two hour call, he said he'd fix the problem and call me back. But never did. It was never fixed. And I don't have another two hours to invest in NOT getting it fixed again. 

Now it's in collections and Portfolio Recovery refuses to stop calling me. They have called me dozens of times, often with fake caller IDs. They often hang up without talking on fake caller IDs and then call back from a new 800 # ( because I've blocked the previous one ) later and again ignore my " never call this number again, remove me from your calling lists, add me to your do not call list or I will sue you '' statement and just call back either later that day or in a few days from yet another fake number followed by another 800 #. 

Unfortunately I can not upload the audio recording since it's 258M.
Product: Credit reporting or other personal consumer reports

I am writing to formally inform you of my intent to take legal action against XXXX, XXXX, and Transunion due to the reporting of fraudulent accounts in my credit report, which has resulted in severe financial and reputational harm. I have previously submitted an identity theft affidavit to your organization as evidence of the fraudulent nature of these accounts. Despite my efforts to rectify this situation, the damaging information continues to negatively impact my life. 
The law is clear that credit bureaus are required to report all accounts accurately. The alleged accounts in question were not opened by me ; my identity was stolen, which is the sole reason these fraudulent accounts exist in my credit report. To resolve this matter and avoid legal action, I demand the following information and actions : 1. Provide a complete log of all dates and times you attempted to contact me regarding these alleged accounts. If these accounts were established by another party, you must specify your relationship with them, whether you are reporting this information as an " assignment '' or if you have purchased the alleged accounts outright. Additionally, provide all account details for at least a year leading up to this action, including any collection fees or interest incurred. If you are a third-party collector, please furnish proof of your license or bond to collect in my state, allowing me to confirm your identity. 
2. Present evidence of my wet signature on any relevant documents associated with these
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and dissatisfaction with the multiple unsuccessful attempts I have made to rectify late open account associated with my financial profile. The persistence of these inaccuracies is causing significant inconvenience and distress.

The late open account that has been inaccurately associated with my financial history are adversely affecting my creditworthiness and overall financial well-being. I first brought this matter to your institution 's attention, and since then, I have made several diligent attempts to have it resolved. Regrettably, my efforts have not led to any meaningful resolution.

I initially submitted a request to correct this late open account, providing all the required documentation and evidence to demonstrate their inaccuracy. However, my dispute was denied without a clear explanation or thorough investigation.

Undeterred, I submitted a second request, reiterating the evidence that these late open account is indeed erroneous. To my dismay, this request was also denied without any indication of progress or resolution.

I can not overstate the serious consequences these late open account has on my financial well-being. They have hindered my ability to secure loans, credit, and favorable interest rates, making it exceedingly difficult to meet my financial obligations and achieve my financial goals.

I urgently request that your institution takes immediate and effective action to correct this situation. I expect a comprehensive review of the late open account and, if found to be erroneous, their prompt removal from my financial records. Furthermore, I request written documentation confirming the correction of this inaccuracy and its impact on my credit score.

I also urge your organization to improve its dispute resolution process to better serve customers. The repeated failures to address this matter properly have eroded my trust in your ability to handle financial matters accurately and fairly.

Please maintain open and transparent communication with me throughout the resolution process and provide regular updates on the status of my dispute. With this, I am asking for your assistance to correct this account in my credit file : XXXX XXXX XXXX Balance : {$5600.00}.
Product: Checking or savings account

I was called by an individual who claimed to be a representative of bank of america. we were told that someone had stolen our account information and attempted a XXXX transfer. they stated they worked in the XXXX department and was walking us through steps to secure the account, ultimately they walked us through a trap that caused a erroneous XXXX transfer of {$380.00} to a XXXX XXXX. After questioning the individual I was hung up on. when I called BOA they stated scammers were using their numbers to scam people and that theyd open an investigation. then they told me I wouldnt get my funds back and that chase bank would be contacted to question said scammer regarding the funds they received which is outrageous because what person would admit to scamming and impersonating a bank? so I never received my money back
Product: Credit reporting or other personal consumer reports

Between the months of XXXX - XX/XX/year>, My credit has dropped XXXX points & received XXXX theft protection threat.
Product: Money transfer, virtual currency, or money service

My Cash App account was hacked, resulting in unauthorized transactions and a breach of my personal information. Upon discovering the fraudulent activity, I attempted to resolve the issue using the support icon in the app and disputing the transactions. However, the resolution process was frustrating and inadequate. Not only was there no accessible way to speak with a live representativeleaving me to rely solely on the in-app chatbut it also took over a month and a half of disputing the issue before I finally received my funds. This incident highlights the weak security measures within Cash Apps systems, which allowed fraudsters to gain access to my account and caused significant financial loss and inconvenience. It also underscores broader concerns raised by the CFPB about Cash Apps inadequate fraud protections and lack of effective customer support. I am seeking accountability for the disruption and financial harm this incident caused.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns about Zelles dispute resolution process, particularly in light of the recent CFPB lawsuit that has brought significant issues with the platform to light. Despite using Zelle multiple times and reporting discrepancies, both my financial institution and Zelle failed to adequately investigate my claims. I was informed that recovering lost funds was not possible and that tracking the transactions was unfeasible. The CFPBs findings suggest that Zelle has not only failed to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is deeply concerning and raises serious questions about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone opened an account in my name and I never knew about it. I never opened an account in XXXX XXXX. I never lived there nor did I know about this account. I want this account to be investigated. I have tried to reach out to XXXX XXXX in regards to this account. They contacted me in regards to the wrong account. Early Warning Signs reported an account with XXXX XXXX. i never opened an account with XXXX   XXXX. It is a fraudulent account that I never opened. They didn't do a proper application. It was any credit or application or any other account. The fraudulent account number is Account # : XXXX It was a checking account that was opened.
Product: Debt collection

This is being reported on my credit report. It is not mine. 

Agency Address : XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX Reported : XXXX Assigned : XXXX Classification : Medical/Health XXXX Name XXXX XXXX XXXX XXXX Number : XXXX Owner : Individual Account. 
Original Amount Owned : $ XXXX of XXXX XXXX Delinquency : XXXX Date : XXXX Owned : $ XXXX Payment Date : XXXX Date : XXXX : M - Wage EarnerComments : Bankruptcy chapter XXXX, Collection accoun
Product: Credit reporting or other personal consumer reports

Hey these is my third time disputing inaccurate information and these company have violated my rights. Accordingly to 15 us code 1681 and 15 us code 1681b and 15 us code 1681 c-2, 15 is code 1681 s-2, these laws are violated and I want this law put in place. Please remove these accounts. The data is wrong on these accountXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX personal credit card blocked due to identification verification failure. 
New card initiated. 
Written request received to complete the application process in my name of which I did not initiate. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ) Credit report had hard inquiries that I did not generate/ initiate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  report completed XX/XX/year> XXXX d pending approval to file report. 
I personally contacted each financial institutions dispute filed, fraud alerts placed. 
Made contact with experian and XXXX Pending contact with XXXX. 
Affidavit completed with XXXX XXXX and submitted XX/XX/year>.
Product: Mortgage

Coldwell Banker Mortgage /PHH Mortgage made an unauthorized withdrawl from my checking account and ca n't find the payment in their system.
Product: Debt collection

After sending a certified written letter asking for validation of a debt, the company started nuisance calling relatives. Repeated phone calls with no one responding when the phone was answered.
Product: Debt collection

I had to break my lease due to Covid 19, and I am now living with a family member. I had to break my lease because of medical complications, and was unable to afford my apartment. The charged me a fee, of which I told them I would do the best I could. I paid half of it, and cleaned the apartment and they rented it out right away. I told them I would make payments on the rest of it. But they turned it over to a collection agency that calls several times daily, and clearly refuses to work with me. And they have put negative marks on my credit report. I am not sure why they would need such a large amount anyway, since the apartment was clean and was rented out the next week.
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved to obtain goods, services, or cash. Kindly take out the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXX Balance XXXX {$7600.00} ; DEPT OF ED XX/XX/2023 ; XXXX XXXXXX/XX/2023 ; XXXX XXXX XXXXXX/XX/2023 ; XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXXXXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) ( B ), as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

On ( XXXX ) I sent an Identity theft letter to ( XXXX XXXX XXXX, XXXXXXXX XXXX RECEIVABLE MGMT SVCS ). I have not received a response nor has ( XXXX XXXX XXXX, XXXXXXXX XXXX RECEIVABLE MGMT SVCS ) complied with my request which has been more than 30 days and is in violation of 15 U.S.Code 1681i ( 6 ) ( A ) and 15 U.S.Code 1681i ( a ) ( 1 ). Attached are the letters that was mailed on ( XX/XX/ ) and an updated FTC identity theft report. To my understanding, according to FCRA, debt collectors have 30 days to respond to disputes and request made by the consumer. ( XXXX XXXX XXXX, XXXX XXXX, RECEIVABLE MGMT SVCS ) have not made XXXX call, or sent one letter in regards to disputes I've mailed to them. This is a direct violation of FCRA Section 611 ( A ) ( 1 ). Which is punishable by up to {$1000.00} in fines per violation. If any disputes per the consumer request are not met with proof or verification within the requested and lawful amount of time, this account is to be deleted from the the consumer 's report, as by lack of response and documentation requested it signifies that this account is unable to be validated or verified. This Lack of validation per the consumer request is in direct violation of FDCPA Section 809 ( b ). Attached are the letters I sent plus my updated identity theft FTC report.
Product: Credit card

Wells Fargo case number : XXXX, XXXX and XXXX Account number ending in : XXXX I bought a XXXX XXXX XXXX hoodie for a XXXX gift. I thought the company was an American company as they had an American address on the website. The item showed up weeks late, the item is clearly not a real XXXX or XXXX XXXX item. The tag on the hoodie does NOT say XXXX which ALL XXXX items have. The color is not what it should be, the type of material is not the correct one, and even the XXXX XXXX star is not the correct color. 

I took pics of the hoodie I received and I took pics of one that is real and sent them to Wells Fargo. This is a very simple and easy situation to handle. The seller should be back charged for this. It is illegal to sell knock off or counterfeit items in the U.S. Wells Fargo should help protect its customers from this type of fraud. That is what this is plain and simple. 

Someone from Wells Fargo did call me, refused to help me in anyway. Told me I was responsible for this and that I needed to go and have the item evaluated by a 3rd party to determine if the item was truly authentic. It is a simple hoodie, and by the evidence I showed to Wells Fargo, it is very clear that the item is a fake. 

I have contacted the seller and they are based out of XXXX, and refuse to return or refund. This behavior by the company goes to show that the item is a fake. I just want Wells to do the right thing and protect me from fraud. I do not want them to call me, talk over me and treat me the way I have been. I have been a good customer, never had a missed or late payment, never gone over my limited. I have a good credit score and have never had a issue prior to this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom  this may concern : I mailed a Multiple Inquiry Removal Letter o n  XXXX   XXXX ,  2017  by certified mail in order to dispute information in regards to  XXXX  hard inquiries that are being reported on my file. They received the letter on  XXXX   XXXX ,  2017  and they completed the request on  XXXX   XXXX ,  2017 . The request I submitted included  XXXX  Hard Inquiries that were not factual and I received the same response for ALL INQUIRIES, which was " Inquiries are a factual  record of file. If you believe this was unauthorized please contact the creditor. '' According to the FCRA Rules, FCRA 623  ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST BE INVESTIGATED, and if you do not investigate and respond, the CRA must delete the disputed information from the files. The fact that I received a response 4 days after the recipients received my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my Credit Reports displ ays a sign of financial trouble, when that is n't the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that do not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness for a consumer.
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 the 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

I do have a paypal account but I never applied for a credit card or anything else to do with paypal. 

I would like them both removed. So how do I get them removed?
Product: Credit card or prepaid card

XXXX BANK through its XXXX XXXX XXXX program allowed someone to fraudulently and falsely take out a {$17000.00} credit line at 26.9 % interest in my name and gave them a {$4100.00} advance without proper risk controls or account verification. XXXX never mailed anything to my home address of over 20 years or same for phone number. 
A month later they send letter saying I owe it. They have unknown phone and email for me and then put the responsibility to clear it on me, the victim of theft by XXXX Bank. They alone have knowledge and contact with thief but file no police report and refuse to provide credit monitoring for their inexcusable lapses.