23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Last XX/XX/XXXX, I contacted US BANK by faxing them a letter, a copy of my FTC ID THEFT REPORT and temporary police report. I dis this to report to US BANK the fraud charges that was applied to my account. I would like to call the attention of the CFPB to report US BANK 'S VIOLATION and call their attention to take action and delete the account from my credit file. This is what I stated on my police report and FTC report : " I am a victim of IDENTITY THEFT. I have a US BANK SECURED CREDIT CARDaccount # XXXX. Opened XX/XX/XXXX with $ XXXX limit. I made some charges on this card for approx {$1800.00}. I've made payments on this account and US Bank accepted my payment. Aer accepting the payment, they pulled/withdrew another {$1800.00} odd from my account! 
I disputed the UNAUTHORIZED TRANSACTION and they returned the money the took from me, but US BANK still gave me double balance which is now showing on my credit report. The reported balance in invalid and UNAUTHORIZED and some used my account or personal information to put those unauthorized transactions /amount balance on my account. Everything amount I owed US bank Has been paid off! Whatever amount they are reporting is unauthorized and fraudulent! ''
Product: Credit reporting

I have only went by XXXX name my entire life. There are XXXX names that are not me, reported on my credit. One is associated with a misdemeanor. I have never been married. my birth name is the only name I have ever went by.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. 15 USC 1681 ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the accounts listed below. These accounts are not accurate or correct. I would also like for the bureaus to provide the procedure used to verify these inaccurate items. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : DEPT OF EDXXXX  Account Number : XXXX Account Name : DEPT OF ED/XXXX Account Number : XXXX Account Name : DEPT OF ED/XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXXccount Number : XXXX Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  ( XXXX XXXX ) Account Number : XXXX Inquiries : XXXX XXXX XXXX XX/XX/2021 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

I received a suspicious letter from Mandarich Law Group, LLC back in early XXXX. Stating that they are attorneys and taking me to court over debt/collections they are claiming I owe. I never heard of these people, never done business or entered in any contract with them. I have no clue who they are and why they are contacting me. 
I did not respond scared that it may be fake or a scheme. 
I had been a victim of Identity thief in XXXX and was not taking any chances. 
A couple of months later I was served though U.S. mail service with a huge intimating legal packet stating that we have a court date set for a date almost a year away. 
To say the least I was very scared and stressed out over it. 
They claimed This is a communication form a debt collector. And this is an attempt to collect a debt, and any information will be used for that purpose. 
See Reverse side for important information ( reverse was blank ) Then it goes on to say " Mandarich Law Group , LLP 's California Debt Collection License application is currently PENDING?? 
Im not a lawyer but I'm pretty sure they are engaging in illegal Debt Collection practices without a license to do so in the state of Californian under the : FINANCIAL CODE - FIN DIVISION 25. Debt Collection Licensing Act [ 100000 - 100025 ] ( Division 25 added by Stats. 2020, Ch. 163, Sec. 3 ) CHAPTER 1. General Provisions [ 100000 - 100002 ] ( Chapter 1 added by Stats. 2020, Ch. 163, Sec. 3. ) Using their title as Layers to intimidate by using abusive and threatening, language an tactics to collect monies from ordinary consumers whom theyve had no business with. They just came out of nowhere. I just obtained my credit report, and they are not even listed. 
This cant be right? Even if their collections lic was pending and they fall under any exception ruled in on XX/XX/XXXX, they were already practicing without a license in XXXX when they initially contacted me. 
Please help. 
Thank you
Product: Credit card or prepaid card

I learned, while viewing my credit information on XXXX, that Comenity Capital Bank/ XXXX XXXX opened an account in my name in the amount of {$12000.00} ; I have never asked Comenity Capital BankXXXX for credit in any amount, and have never received any credit or money from them, and if they are making that representation they are misinformed, or complicit.
Product: Credit card

- **Dispute Type : ** Credit - Unauthorized Transaction - **Date Error Reported : ** XXXX - **Claim Amount : ** {$560.00} On the date mentioned above, I reported unauthorized ATM withdrawals totaling {$560.00}. This amount reflects a significant breach of my account 's security. I am deeply concerned that a thorough investigation was not conducted following my initial dispute. 

I hereby demand that a reinvestigation of these unauthorized transactions be undertaken immediately. Furthermore, I request that the investigation process be audited for its efficacy to ensure all necessary measures are taken to protect my account and prevent future unauthorized activity. 

Please confirm receipt of this letter and provide a timeline for the reinvestigation. I expect a prompt resolution to this matter, including a full reimbursement of the disputed amount to my account. I will be Filing a CFPB Complaint for the improper or negligent investigation and subsequent denial of my disputes after expressing concerns about security and a breach in the past! 

Thank you for your immediate attention to this serious issue. 

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

First Reason For Dispute I am using this CFPB portal to dispute the following incorrect information appearing on my credit report. I just want to ensure that you receive my dispute in full detail and timely fix the errors on my report. 

Adverse JPMCB Account # XXXX Reason for Dispute : I settled my account balance with Chase in full, but my account is still being reported as a charge off. The reason I entered the settlement with Chase bank was because under the terms of my debt settlement with Chase, we each agreed to terms that prohibited Chase bank from reporting my debt as delinquent on my credit report for this account, but my credit report has not ceased reporting negative information on this account in error. 

It is still showing the account as a charge off in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX of XXXX and in XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX and it is showing the account as having been paid more than 30 days late in the month of XX/XX/XXXX. 

I would have never paid the huge amount in settlement for the account unless I obtained the express representations from Chase to convince me to settle the account. I am attaching the settlement letter from Chase as proof. 

Last Disputed Item : Adverse JPMCB Account # XXXX Reason for Dispute : I settled my account balance with Chase in full in XXXX, but my account is still being reported as a charge off. The reason I entered the settlement with Chase bank was because under the terms of my debt settlement with Chase, we each agreed to terms that prohibited Chase bank from reporting my debt as delinquent on my credit report for this account, but my credit report has not ceased reporting negative information on this account in error. 

It is still showing in error the account as a charge off in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX of XXXX and in XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX, and it is showing in error the account as having been paid more than 120 days late in XXXX XXXX and XXXX of XXXX, and it is showing in error the account as having been paid more than 60 days late in the month of XX/XX/XXXX. 

and it is showing in error the account as having been paid more than 30 days late in XX/XX/XXXX. 

I would have never paid the huge amount in settlement for the account unless I obtained the express representations from Chase to convince me to settle the account. I am attaching the settlement letter from Chase as proof.
Product: Mortgage

Husband died and I was not on the mortgage. I was not working but STRUGGLED to make payments. Bank XXXX XXXX was the mortgagor for 23 years before selling to Serterus. Serterus sold mortgage to Mr Cooper, Mr Cooper sold mortgage to RightPath Servicing in XX/XX/XXXX. I was told by a representative in XX/XX/XXXX that if i applied for forbearance i did not have to make payments for 6 months but could if I wanted. I asked the representative what happens at the end of 6 months ( XX/XX/XXXX ) and the representative said " you will resume your monthly payments. '' ) I had XXXX which has developed into long XXXX, after I had both vaccines and a booster. 
In XX/XX/XXXX I sent Mr Cooper a payment for {$1100.00} which they accepted. RightPath Servicing took over the account in XXXX XXXX, XXXX. I did not get any statements from RightPath until XX/XX/XXXX. Because my name was not on the mortgage RightPath employees REFUSED to talk to me although I sent an Affadivit of Descent and was told by XXXX XXXX and XXXX XXXX that that was sufficient and It would be approved by XXXX XXXX within 10 business days. I called back after 20 days and spoke with XXXX in Arizona who promised to speak with XXXX XXXX I was not called back by ANYONE at RightPath nor will anyone talk to me. I sent RightPath a check for {$2500.00} via certified mail and return receipt and it was returned to me on XX/XX/XXXX. On XX/XX/XXXX I sent a NEW check for XXXX which has not been credited to my account. 
Today XX/XX/XXXX I just recived a letter from Rightpath telling me the DOCUMENTS I need and the amount of payoff. 
The clerk and an ATTORNEY told me the AFFIDAVIT of DESCENT should have been enough because I am the ONLY HEIR. 
I feel this is and was an unfair practice because I feel they want to foreclose because of the balance is about {$7000.00}!!!! 
I am 72 years as of XX/XX/XXXX and have long XXXX. 
Please speak to them on my behalf. No mortgage company wanted the house when I had a HIGH BALANCE but now they do.
Product: Credit reporting, credit repair services, or other personal consumer reports

REPORTING THE DATE OF LAST PAYMENT AS XX/XX/XXXX IS THE DATE THEY SOLD THE DEBT SO THAT DATE IS INACCURATE BECAUSE IT IS NOT THE DATE OF MY LAST PAYMENT WHICH MUST BE UPDATED TO XX/XX/XXXX NOT THE DATE IT WAS SOLD. 
THE DATE OF LAST ACTIVITY IS MISSING WHICH THEY WAS JUST SUED FOR THE DATE OF LAST ACTIVITY WILL BE THE DATE OF MY LAST PAYMENT DATE CLOSED IS MISSING THEY WAS SUED FOR THIS YOU CAN NOT BE LATE AFTER AN ACCOUNT WAS CLOSED AND CHARGED OFF THERE ARE NO SCHEDULED PAYMENTS ON A ACCOUNT THAT WAS VOLUNTARY REPOSSESSION SO WHY THE 11- 90 DAY LATE
Product: Credit reporting or other personal consumer reports

My personal identification was use without my consent to take out a loan and be reported on my credit report monthly mind you I never took a loan out due to me being a full time student. My identity was stolen n I never got any clarification on the next steps to take to fix this issue.
Product: Credit reporting or other personal consumer reports

XX/XX/2023 I sent a letter to the XXXX house asking do they report bankruptcies to the credit bureaus and I got a letter stating. They do not report any bankruptcies to anybody : So if thats the case How did the credit bureau verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681 15 USC1681 section 603 ( 3x ) states investigative consumer report means a consumer report or portion therefore which information on a consumers character general reputation, personal characteristics, or made of living is obtained through personal interviews with neighbors, friends, or associates of the consumer report on or with others with he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor the consumer or from the consumer. They also violated my rights numerous times the credit bureaus violated my rights under 15 USC 1681. 
According to 15 U.S.C 1681 section 602 A States I have the rights to privacy. According to 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. According to : 15 USC 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 the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute 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
Product: Debt collection

Ca n't pay this account. Turned into Rose Agency. Phone number disconnected.
Product: Debt collection

I've contacted the property manager XXXX XXXX via email on XX/XX/XXXX about my concern for XXXX 's Rent. On XX/XX/XXXX I received a message from XXXX, their rent collector, saying theres a balance for {$1900.00} for the month of XXXX. I called the day before to see what the balance was about because from what is documented and signed on our lease agreement is that the last month of XXXX rent would be a prorated amount of {$1200.00} since the lease caps and ends on the XXXX of XXXX. Since we first moved in on XX/XX/XXXX, me and my roommate paid a prorated amount of {$600.00} via cashiers check so its documented that XXXX 's month would be the same instance since we did not stay for a full month technically. The lease documents state that XX/XX/XXXX is the official end of the lease so why are we being charged for a full months rent? it's not fair for us and its not fair to the XXXX XXXX XXXX XXXX  nor to the apartment management company ( XXXX XXXX  ). I then got followed up by XXXX XXXX who also confirmed that XXXX 's rent would be prorated to the amount of {$1200.00}. I have documents, emails, and screenshots of our conversations. After we had officially moved out we get an email saying that we owe {$3600.00} for the month of XXXX. I sent a email to XXXX XXXX asking if he ever looked into why we are being charged for the amount of {$3600.00}? When the amount was supposed to be prorated to {$1200.00} for the month of XXXX. I didn't understand why we were being charged double for a single month 's rent being that we did not even stay for a full month, we stayed til our last move out day on XX/XX/XXXX. It felt like I was being taken advantage of and they did everything in their power to get more money out of me and it set me back financially because It damaged my credit. They went from saying the rent will be prorated to {$1200.00} to then rent being {$3600.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXXXXXX : # XXXX, XXXX  XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX  : # XXXX, XXXX : # XXXX, XXXX XXXXXXXX : # XXXX, XXXX XXXX : # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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: Consumer Loan

They do not allow for early payments. For example, my payment is due on XXXX/XXXX/2016. I wanted to make my payment today, XXXX/XXXX/2016. They will not allow it. You can only delay payments, you can not advance them. While you are allowed to make additional payments or pay off early without penalties, you can not make advanced or early payments. This establishes a minimum interest charge that can not be reduced in order to pay off early. They advertise " no prepayment penalty '', however you are actually not allowed to advance your payments in order to prepay early. It seems unfair and deceptive.
Product: Mortgage

Investors bank has increased my monthly payment from {$1300.00} to {$1800.00}. Calls to the bank were not returned although representative promised they would call back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor XXXX XXXX XXXX ( XXXX ) still showing open when should state closed status with {$0.00} balance. It was included in Bankrupcty and now is DISCHARGED. Bankrupcty case # is XXXX. Creditor keeps removing and reappearing on report. Also keeps changing statuses and balances every month.
Product: Debt collection

This company tries every couple of years to ruin my credit in order to get me to pay doubly for a debt that was settled out of court in 2019. They called and I informed them of this and they hung up on me. I believe their actions are purposeful. They have no right to collect on this debt.
Product: Checking or savings account

In 2021 upon my return home I found that my Wells Fargo account suffered from theft and fraud to the sum of approximately XXXX. After hours on the phone I filed disputes. Wells Fargo issued me a letter confirming that I was the victim of fraud ( not at fault ) as well as an identity theft case number. They later after a few times escalating my case Wells Fargo denied my disputes. It did get forwarded to the XXXX XXXX XXXX where they determined that my Wells Fargo checking account was not insured when Wells Fargo accounts are supposed to be fdic insured to my knowledge. To top it off I have been illegally XXXX for bounced checks associated to this account and of course I have no resolutions
Product: Mortgage

We are writing this complaint because of the way Wells Fargo has treated our accounts during the covid cares act assistance. When we requested assistance because we were not getting rents from our tenants the representatives told us that one of the options we had would be to extend the loan the number of months that we needed. I was very specific in not wanting a balloon payment at the end or to be added to my balance. We have other mortgages and they added the payments to the end extending the life of the loan. Wells Fargo misrepresented how they would help. I feel very betrayed as this was the only assistance that landlords recieved to help with unpaid rents. I want that money back they should be more compassionate with people in these times of need.
Product: Money transfer, virtual currency, or money service

I've finally decided to file a complaint against Cash App/block Inc. due to inadequate costumer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App have failed to take timely and effective measures to prevent fraudulent acts on their platform. On numerous occasions Cash App continued to leave my account vulnerable and unprotected after complaints were filed. Their dispute resolutions process was not only unfair but deceptive, as they did not a comply with any error resolution requirements under the Electronical Fund Transaction Act ( EFTA ) as well as Regulation E. These actions have caused significant inconvenience and tremendous financial losses that have put my lively hood and well being in jeopardy, and I'm seeking appropriate redress towards these actions for the loss of my finances
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband is in the military and in and out of the field. When he bought my wedding ring in XX/XX/XXXX XXXX XXXX stated he had a year until he had to make a first payment, he put $ XXXX down and had $ XXXX left to pay. We never received notices, emails or calls about " late payments. '' I called end of XXXX because I noticed they had my name completely incorrect and his name backwards. It wasn't until we started working with the VA home loans that they told us about what XXXX had put on our credit. As stated before my husband is in and out of the field. It took me months to be able to call on his behalf then they said I could only make payments not talk to someone in detail. Once again working with the VA I called XXXX XXXX AGAIN each time a month apart. They are reporting you past due every month and that they are showing an amount past due I asked why is it showing late when they told us he had a year to pay and why they haven't notified us of any late payments. They had his phone number wrong! I paid {$300.00} that day and asked to set up monthly payments. Fast forward to XX/XX/XXXX, VA is still saying XXXX has it as " late payments ''. So I call, they say the account is now closed and if I don't pay {$290.00} today its going to collections. I was outraged and said how I set up monthly payments and just paid {$300.00} and she informed me that no monthly payments were set up. I paid the {$290.00} and once again set up monthly payments. Our tax return came XX/XX/XXXX and I paid off the rest of the card, yet still have derogatory remarks on our credit report. I also kept stating how it wouldn't let us create an online account for me to be able to see all of this and track it and they had no explanation.