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

Please see the attached documentatioXXXX XXXX XXXX XXXX has systematically and unethically continued to attempt to extort money from me by violating my rights including : unfair and inaccurate reporting to credit bureaus, attempting to extort money by negative reporting incorrect information to agencies, attempting to add exorbitant additional fees after the fact of {$6400.00} ( house closing and payoff as of XX/XX/XXXX, court case dismissed as of XX/XX/XXXX ), charging exorbitant and unethical fees ( including a one month XXXX % fee of {$3000.00} ), etc.. The loan is paid in full and I have NO CONTRACT, NO STATEMENTS/DOCUMENTATION FROM XXXX XXXX XXXX XXXX 
PLEASE INVESTIGATE XXXX XXXX XXXX, FDIC CERT # XXXX, COLLECTION AND FEE PRACTICES.
Product: Credit card or prepaid card

Bought A Visa Gift Card for {$500.00} on XX/XX/XXXX and another for {$500.00} pm XX/XX/XXXX. I use them as budgeting tools. Registered them to myself and set a pin. Tried using it in retail stores or online and was unable to through neither credit nor debit. Contacted the Company on XX/XX/XXXX. Their call center is in some 3rd world country. I requested replacement gift cards. I was told they would arrive within 7-10 days. It has been over 2 weeks and I have not received the cards nor a tracking number indicating when my cards will get here. 

Case # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my personal credit report, which I acquired from your organization on Experian Report XX/XX/2023 and I noticed that this Inquiries had been made
Product: Debt collection

Today XX/XX/XXXX they called my son who doesnt even live with me and they harassed him to tell him where am I and they got his number online after stalking the internet and finding relatives of mine which is illegal to do. My son then contacted me and asked why I gave them his number which I never did and they admitted to getting everything online and contacting him to get to me.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the handling of my credit report dispute by XXXX XXXX, and Equifax. Despite my efforts to resolve inaccuracies on my credit report, I have encountered several issues that I believe warrant further investigation by the CFPB. 
Background : On XX/XX/year>, I submitted a dispute to XXXX XXXX, and Equifax regarding inaccurate information on my credit report. The items in question were not properly verified, yet the agency concluded that the information was accurate. I am concerned about the thoroughness and accuracy of their reinvestigation process. 
Details of the Complaint : XXXX. Inadequate Verification Process : Despite my detailed dispute, the credit reporting agency failed to verify the accuracy of the disputed information adequately. The verification process seems to lack transparency and thoroughness, which raises concerns about its compliance with the Fair Credit Reporting Act ( FCRA ).

2. Lack of Detailed Verification Methods : I requested a detailed description of the verification methods used by the credit reporting agency, including the specific procedures, sources consulted, documentation reviewed, and criteria for validation. However, this information has not been provided, despite multiple requests.

3. Timeline of Investigation : There is a lack of clarity on the timeline of the investigation, including key dates and actions taken during the process. This lack of transparency hinders my ability to understand how the investigation was conducted and whether it adhered to FCRA requirements.
Product: Credit card or prepaid card

They refuse to process my application I called them to tell them I have a fraud alert and they need to do verification they refused very nasty to me all for a credit card unbelievable they dont care for me the applicant the consumer told me to wait
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transaction were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, Where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was laid off XX/XX/2011 and my last contact was XX/XX/11. Listed twice on all 3 credit reports by them and they sold debt to another lender. Re-Aging is illegal per FL Statue 5 years remove item from my credit reports. Mailed letters to inform them of this and they have not removed off credit report. Asked them to validate this debt and I have not hear from company at all.
Product: Credit card or prepaid card

Re : Care Credit. I had gone to a medical spa for XXXX treatments  ; I was told that I would be given a discount - 4 treatments and during my 2nd visit the 5th treatment would be free. The 1st treatment was a  nightmare - painful. After 3 days ( the time limit in Oregon to cancel such services from a spa ) I emailed to ( 1 ) cancel 2nd appointment and ( 2 ) voice my concerns. No response ; no response for 3 days. I finally called and verbally cancelled. The next day I got many texts from the anesthetician demanding that I be seen and following treatment at their spa. I was concerned that it would be considered the '2nd treatment ' and I would be charged. I have since seen another medical spa -- treatments are not painful ; a full {$600.00} less than the first spa. 
Synchrony Bank has 'investigated ' and is backing up their merchant, saying there is nothing they can do but I AM BEING CHARGED FOR SERVICES THAT I LAWFULLY CANCELLED AND HAVE NOT RECEIVED. I feel that the merchant and the Bank has being unjustly enriched.
Product: Mortgage

I have had a mortgage with HSBC since XX/XX/XXXX. Although I received a loan modification in XX/XX/XXXX ( approximately ), my ARM has remained current now for several years. I have also been repaying an advance on taxes. Although my statements showed my interest rate of 3.44 % until XXXX XXXX, they increased the rate to 8.44 % XX/XX/XXXX ; which doubled my payments. This increase was immediately followed by the transfer of my loan to a company by the name of XXXX XXXX XXXX. Is there a connection between the unreasonable interest rate jump and the transfer of my loan? 
Now I have to work with the new company, XXXX XXXX, to modify. From what I read online, they have a terrible reputation when it comes to modifications and that the process can take years. I am completely stuck with a doubled mortgage payment while my husband is XXXX XXXX. The timing could n't be worse. Feel very betrayed by HSBC for putting me in this position.
Product: Credit card or prepaid card

On XX/XX/XXXX & XXXXXXXX XXXX XXXX, I was a victim of scam/fraud. The person pretended to be a hiring recruiter, interviewed me, told me I got hired, and made me sign a w4 and other paperwork. They told me I had to buy a laptop before my start date and sent me an invoice for the equipment and told me I would be reimbursed from the company after purchasing. I heard from an actual employee at the company a while later that the person who I was in contact with was a scam artist and was not affiliated with the company. The invoice was for a total of over {$7000.00}, but I had told them I wanted to pay in increments. Because of this, I luckily caught on before paying them the full {$7000.00}. The amounts I did end up paying them were 1 payment of {$2000.00} on XX/XX/2022 and {$2500.00} on XX/XX/2022. Money was sent to the scammer via XXXX, but XXXX said they couldnt do anything and to call Discover to dispute the charges. Discover opened a dispute but it got dismissed. I had them re-open the case, but they still dismissed the case in favor of the scammer. The credit that Discover gave me was refunded back to the bank and I never got my money back.
Product: Mortgage

XX/XX/XXXX we received a mortgage modification through the federal making homes affordable act. Later that year we had to file chapter XXXX. Because we were in bankruptcy our mortgage company stopped sending us statements. We continued to pay the amount specified in the modification and everything seemed fine. 

XX/XX/XXXX I logged into the banks website and the payment due had doubled. We had no idea why so we contacted them. Their help was minimal only saying there was an escrow shortage. We demanded an accounting of the account and a month later we received it. 

The document showed that XX/XX/XXXX some {$2400.00} had been pulled from our escrow account marked as 'POS escrow shortage '. When we contacted them to ask what that was for they could n't give us an explanation. 

It should be noted that XX/XX/XXXX we converted our chapter XXXX to a chapter XXXX. 

From XX/XX/XXXX until now we have continued to pay the modification payment while attempting to get an explanation for this missing money. They continued to demand double payments and continually put the payments we sent in into 'suspense ' all while demanding this extra money. 
XX/XX/XXXX their attorney filed a motion with the bankruptcy court to allow them to file for foreclosure due to us supposedly being late. When our bankruptcy lawyer sent a letter to their attorney demanding a accounting of the missing money they got nothing. Their attorney eventually tried to get the motion he had filed dismissed stating to my attorney that the bank had ignored his request for information about the missing money. 

My attorney brought this up with the judge today but the judge stated he would n't rule on it since the bankruptcy was going to be finalized within a week. He told my attorney he could bring this up in a state court ( during another foreclosure case ). 

So now we are stuck and within the next two weeks the mortgage company will be able to file for foreclosure even though they outright refuse to tell us where this money went. I have done an escrow sheet without the {$2400.00} removed and there is literally no shortage whatsoever. 
We have almost no means to fight this and especially since the mortgage company refuses any and all requests to account for the missing {$2400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi. I need some help. I was the victim of XXXX XXXX a while ago. The thief has used my information to obtain credit under my name. I have fought this several times over the years. Recently there is an account on my credit report that I have never done business with. It is called XXXX. 

Last month I sent letters to the credit bureaus to fight this account as not being mine. I don't know what happened, but I never heard back from them. Everyone I know tells me I'm supposed to hear back from them in 30 days or this account is supposed to fall off my report. Its been more than 30 days. I want this account to fall off my report because its not mine. Thank you.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act, the accounts on the list below have violated 15 U.S.C. 1681, which protects my right to privacy and confidentiality as a consumer. 
XXXX : XXXX XXXX OF XXXX : XXXX have violated my rights. 
602 15 U.S.C. 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 
604 15 U.S.C. 1681b ( a ) 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.

605 15 U.S.C. 1681c ( a ) No consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information other than records of convictions for crimes that antedate the report by more than XXXX years. 
623 15 U.S.C. 1681s-2 ( e ) Accuracy Guidelines and Regulations Required ( A ) Establish and maintain guidelines for use by each person that furnishes information to a consumer reporting agency regarding the accuracy and integrity of the information relating to consumers that such entities furnish to consumer reporting agencies, and update such guidelines as often as necessary.
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and Transunion data breach.
Product: Debt collection

I have sent two certified request to Portfolio Recovery for a claimed debt owed to XXXX XXXX, however, the only credit card I've had with XXXX XXXX  was settled in full, as it appears on my credit report. I mailed a debt validation letter to them on XX/XX/XXXX which was notarized and certified. Portfolio has neglected to provide validation of this said debt and I would like it removed as a collection from the credit bureaus expeditiously. The only information that have been able to provide is the last four of my social and that this account was opened on XX/XX/XXXX. I demand this debt be removed it has caused my once clean credit report to plummet from " good '' scores to " fair '' scores.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX I look at my credit report and see these charge off accounts and inquiries on my report that is NOT Mine. The accounts are XXXX XXXX for {$1000.00} and XXXX XXXX for {$21000.00} and XXXX XXXX XXXX for {$8900.00} and all the inquiries that are NOT Mine.
Product: Checking or savings account

USAA is a poor bank which puts ten day holds on checks then releases funds then returns the check without giving a real reason why!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Sec 604 Permissble purposes of consumer reports ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I did not authorize the following inquiries on my consumer reports : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They did not provide me with the original application or a wet-ink signature under the penalty of perjury of someone with knowledge of the matters attested to. 

Also under 15 USC 1681 Section 602 A I have a right to privacy.
Product: Credit reporting or other personal consumer reports

I am writing regarding the charge-off account reported to the credit bureaus under my name. Upon reviewing my credit report, I noticed that this charge-off has been recorded. However, I have not received a Form XXXX from the compant to reflect this debt as forgiven or canceled. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to dispute inaccurate or incomplete information reported to the credit bureaus. Additionally, according to IRS regulations, if a debt of {$600.00} or more has been canceled or forgiven, creditors are required to issue a Form XXXX to both the debtor and the IRS, as outlined in 26 U.S.C. 6050P. If the debt has indeed been forgiven, then your failure to issue a Form XXXX calls into question the validity of this charge-off and its continued reporting on my credit file. If the debt has not been forgiven, I request clear documentation of the charge-off, including : XXXX. The original signed contract or agreement. XXXX. A full accounting of the debt, including all payments made and how the charge off amount was calculated. XXXX. Evidence that the debt is still owed and not canceled or forgiven. Failure to comply may result in further action to protect my rights.
Product: Credit reporting or other personal consumer reports

XX/XX/2024 Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/2024 Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXXXXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment made within the XXXX grace period : My payment for XX/XX/2024 was made on time, which falls within XXXX XXXX XXXX grace period. Therefore, the account should not have been reported as XXXX XXXX late. 
Error caused by automatic payment system : I had set up an automatic payment for XX/XX/2024 through XXXX XXXX 's payment system. However, due to a system error, the payment was delayed and processed late. This was an error beyond my control, and I acted promptly to resolve the issue when notified. 
Evidence provided : I have attached my bank statements and the payment confirmation showing that the payment was made on time, confirming that I acted within the allowed time frame. Additionally, documentation from XXXX XXXX acknowledging the system error has been included. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

Unbeknownst to me, I had a judgement against me. I went to court and let the judge know I was never served, so it was vacated almost a year ago. However, last week while applying for a refinance of my home, I received a copy of my credit report that shows said judgement. I've contacted both the court and the county small claims advisor and they said they can not help me fix this error. Please remove this from ALL of my credit reports. The case number is XXXX. Thank you.
Product: Mortgage

I have been a customer with NFCU since XXXX. I have had mortgages and equity loans with NFCU since XXXX. So when I wanted to do a cash-out refinance, I applied to NFCU. I applied on XX/XX/XXXX. I then received a request to upload supporting documentation, and I did so on XX/XX/XXXX. The next step was a home appraisal, and I paid {$460.00} on XX/XX/XXXX for the appraisal. 

And then - nothing. I called and emailed my processor, XXXX XXXX, numerous times asking about the status of the application ( at least emailing her on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), and received no response. Finally, I called the main customer service line at NFCU on XX/XX/XXXX or XXXX. I was told, to my surprise, that my mortgage loan application had been WITHDRAWN. The reason given was that I hadn't provided paystubs with my paperwork -- but I am XXXX, and don't have paystubs. I had provided my XXXX to show proof of income. 

After several calls with NFCU, I received an email on XX/XX/XXXX from XXXX, stating that " [ t ] his is completely a mistake on our side, '' and she was working with her supervisor to fix it. But again, I heard nothing the next week. Finally, I called again on XXXX XXXX and was told that XXXX would call me by XXXX that day. She did not. I called XX/XX/XXXX to inform NFCU that it had lost my XXXX of 28 years, that I wanted a refund of the {$460.00} I had paid for the appraisal, and I would be going with another lender. 

Amazingly, the story does not end there. The evening of XX/XX/XXXX, a new processor left a voicemail for me stating he was working on my application, and would call me back early the next week. On XX/XX/XXXX, I received notification that NFCU had run a credit report - completely unauthorized - on another application for me. On XX/XX/XXXX, I received an email from NFCU about my " new '' loan application. And on XX/XX/XXXX, ANOTHER processor called me, asking for information about my application -- all after I had informed NFCU that I was absolutely done with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX ; XXXXXXXX XXXX XXXXXXXX Account Number : XXXX ; XXXXXXXX XXXX Account Number : XXXX ; XXXXXXXX XXXX  Account Number : XXXX ; XXXXXXXX XXXX XXXX Account XXXX : XXXX ; XXXX XXXXXXXX XXXX Account Number XXXX XXXX ; XXXX XXXX Account Number : XXXX
Product: Mortgage

I requested complete verification of my Mortgage the transfers the title information and I have not received any of the information. I dont receive Monthly statements, I have no idea as to how the current balance became what it is and none of my questions are ever answered. I sent in pre approved Modification papers to Seterus and XXXX and have received nothing back no funds were accepted.
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 consumers financial protection act ( CFPA ) specifically cash app failed to take timely and effective measures to prevent and address fraud on this platform l, 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 ( EFTA ) and regulations E. These actions have caused significant inconvenience and financial loses and I seek appropriate redress these violations.