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

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section XXXX ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I already reached out to EQUIFAX and to XXXX XXXXXX/XX/XXXXand notify them of their error posting of information on my report. I was never late on this account. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I requested to generate me personally with a detailed description of the procedure designed to verify the account is " accurate '' but as of the moment no information received. I had also requested the actual proof, physical firsthand documentation of the payment history but I did not receive what I asked and these violations persist on my credit report.
Product: Credit reporting or other personal consumer reports

These accounts currently in a litigation, and it must be removed. Plus, my info got hit in the Equifax data breach, so this should be taken off my credit report.
Product: Checking or savings account

On XX/XX/XXXX I submitted a complaint about Mechanics Bank wrongfully withholding my funds that were fraudulently taken from my account in XX/XX/XXXX. Mechanics Bank had informed me it would not credit back my funds for 6-8 months in spite of my demand for return of my funds. Once I hired an attorney for {$500.00}, and submitted my complaint to CFPB, complaint # XXXX, Mechanics Bank did return my funds, responding only to CFPB, never mailing me a copy. I have since obtained a copy and in that response dated XX/XX/XXXX, and the bank flat out lied by misinforming the CFPB. Specifically, in the statement that " a credit in the amount of {$4400.00}, which represents the total of the three altered checks, was credited to your new account ending in XXXX on XX/XX/XXXX. An Honor Letter confirming the results of the investigation was sent to you via the United States Postal Service on or around XX/XX/XXXX. Additionally, on XX/XX/XXXX and XX/XX/XXXX, two employees of the XXXX XXXX branch spoke to you and communicated the credit to your account. '' Firstly, if in fact Mechanics Bank had saw fit to do the right thing and return my {$4000.00} I never would have had to hire an attorney and incur the {$500.00} expense. Secondly, Mechanics Bank employees have never saw fit to ever contact me in writing or otherwise. Therefore I NEVER received any type of letter, " Honor, '' or investigative report result or telephonic contact to advise of any type of result or return of my funds. Had Mechanics Bank personnel saw fit to return my funds and advise of doing so I NEVER would have had to contact the CFPB. For Mechanics Bank to send the CFPB it's fabricated response is purely self serving and false and was done simply because it knew it had failed to protect its own consumer from its own employees failures. Mechanics Bank DID NOT credit my account {$4400.00} as it stated it did so. It was only {$4000.00}. I am still owed {$500.00} for the attorney 's fees I incurred as a result of its failure to provide me with my funds I was rightfully entitled to under the law.
Product: Credit reporting or other personal consumer reports

Request for Certification of Accuracy of Information Identity Theft Victim 75-60. Title. This Article shall be known and may be cited as the Identity Theft Protection Act. ( 2005-414, s. 1. ) Reporting erroneous information without verification constitutes a violation of my rights under : 15 USC 1681i ( 5 ) ( b ) ( Reinsertion of Deleted Item ) 15 U.S.C. 1681b ( Permissible Purposes of Consumer Reports ) 15 USC 1681 a ( 2Xi ) ; 15 USC 1681 ( Late Payments ) 15 U.S.C. 1681i ( Procedure in Case of Disputed Accuracy ) 15 U.S.C. 1681s-2 ( Responsibilities of Furnishers of Information to Consumer Reporting Agencies ) 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) ( Accuracy ) 15 USC 1681i ( 7 ) ( Verification ) These accounts were opened illegally by an unknown individual in my name without my knowledge and continue to damage my financial well-being. Under the FCRA, credit reporting agencies are obligated to block fraudulent information within four business days of receiving proper documentation. You have failed to fulfill this legal responsibility. 
XXXX. XXXX  : # XXXX : | Date XXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXX  XXXX : # XXXX : | Date XXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  : # XXXX : | Date Fraud Begun : XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXXXXXX : # XXXX : | Date XXXX XXXX : XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXXXXXX : # XXXX : | Date XXXX XXXX : XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXXXXXX : # XXXX : | Date XXXX XXXX : XX/XX/XXXX XXXX
Product: Bank account or service

Opened a new checking account under a promotion offering {$300.00} after setting up payroll direct deposit. I fulfilled my obligations for the bonus but the bonus was denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent charges were made account that I did not do. I tried disputing multiple times and now it will let me dispute anymore and says it's accurate and put a demogotory mark on my credit preventing me from getting any other account. The bank is not even in business any more
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written numerous letters including, an identity theft report over the past two years and still XXXX is reporting incorrect information on my consumer report. I have attached my consumer reports for SANTANDER CONSUMER USA for XXXX, XXXX, XXXX, and XXXX. On each report the year XXXX reports different things each year and each year the terms change. Each year XXXX continues to report inaccurate information and its defamation of my character. The information is entirely inaccurate and incomplete, and as such represents a very serious error in reporting. 
The generated report for XXXX XXXX no repossession and XXXX to XXXX of XXXX says data unavailable, terms 58 months, and balance {$21000.00}. 
The generated report for XXXX XXXX charge off from XXXX to XXXX of XXXX, terms 58 months, and balance {$22000.00}. 
The generated report for XXXX XXXX no data available for XX/XX/XXXX, terms 56 months, and balance {$13000.00}. 
The generated report for XXXX XXXX no data available for XXXX and XXXX of XXXX, terms 56 months, and balance {$13000.00}. 
As of now there are XXXX negative charge off on this XXXX account and a repossession in XXXX which none of is true.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report only shows my XXXX ( old ) driver license as cancelled. I am now a resident of XXXX and have a XXXX drivers license. I believe this is the reason why my XXXX drivers license shows up as cancelled. My issue is that the company I work for ran a background check on XX/XX/XXXX ( checkr ) and do to the fact that ( XXXX ) my jobs primary responsibility is driving they have fired me on XX/XX/XXXX I contacted the credit report company ( checkr ) and submitted my XXXX  drivers license but I havent hear from them. I also contacted the company I worked for ( XXXX ) and explained the issue along with my XXXX Drivers license. I checked DMV records and everything seems to be in order. The background check company just havent update their records and I dont know what else to do. Any help would be greatly appreciated.
Product: Mortgage

I XXXX XXXX Have Received a Loan from XXXX on XX/XX/2021 they have not even received the first payment yet and they automatically sold the loan to another company and my original rep will not even pick up the phone. After everyone set me up the loan was approved no one wanted to help. I was stuck and my service rep new I was stuck without a house. I had a pre approval for 3.99 % and Last Minute a week before closing escrow they told me I was not approved and charged an extra {$30000.00} and raised the interest to 4.89, They Knew I could not back out because I has already had paid a {$30000.00} contingency which is non refundable. I really wish they never gave me a preapproval. I could not sleep at night because of the way they set me up. I would talk to the Loan officer everyday so he knew me very well. The payment they showed doesnt match what they told me and emailed me on paper. I was also told that I would receive a check for all of the over payment I made and still havent. The house I purchased was for {>= $1,000,000} in reality with closing coast they charged me almost {$100000.00} For closing that is straight getting robbed I understand people need to make money but there was no honesty. I am a little bit old fashion and I trusted what the loan person told me but now im the one getting handed to from all ends. The money in escrow shows XXXX, but XXXX has can canceled and put a stop payment for XXXX and when I asked the Rushmore rep could not tell me, the question is where my money went and why is my loan much higher. I have paid for the whole year of full coverage insurance and still getting charge. In This loan Amount I has been charge twice for things that have already been paid I believe it is Rushmores fault for taking new loan they have no idea about. Rushmore rep told me to call XXXX  and resolve it. In the loan the three months taxes were paid up front so the first three payments are supposed to the lower than XXXX in reality if everything was really paid up front which XXXX didnt, the first 3 months payment is XXXX. XXXX has to Put the XXXX back into escrow why are they stopping payments on what was paid and in the loan. Also XXXX which XXXX could not closes on time my reps XXXX XXXX and XXXX XXXX that they would reimburse seems like also the put on the loan. I want to see the trace of where all the money went. This Loan amount is the wrong amount they still charge me for the things I already paid for like appraisal, insurance, tax and other fees I want you guys to go over it and fix their mistakes. If Rushmore wants to take responsibility for the loan I need answers as soon as possible so I know if I need to take legal action this in not my first loan but first time dealing with two mickey mouse companies. I have already reported to the Consumer Finance Protection Bureau and ready to take a lot more steps.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. Please remove/block the accounts as they are fraudulent & were opened without my consent or knowledge. 

XXXX XXXX XXXXDate Opened : XX/XX/XXXX Balance : {$10000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$21000.00}
Product: Mortgage

In XXXX of XXXX I made a payment to XXXX XXXXXXXX XXXX for my annual hazard insurance payment. I didnt realize that my lender also made a payment from my escrow account until XXXX of XXXX when I was preparing my tax returns. XXXX returned my overpayment to United Wholesale Mortgage in XXXX of XXXX, however they are not my current lender as they transferred my mortgage to XXXXXXXX XXXX XXXX. XXXX confirmed their check was cashed by United Wholesale Mortgage on XX/XX/XXXX. Ive been speaking with United Wholesale Mortgage about this issue since XXXX with promises that my overpayment of {$2500.00} is going to be returned either to me or new lender but have yet to send the money to me or the new lender. Their Executive Resolutions Team has not resolved this and its been almost a year since this issue occurred. They keep stating that a XXXX party is processing the payment, but have not provided an update on the status since I last spoke with them in XXXX.
Product: Credit reporting or other personal consumer reports

Please delete XXXX XXXX XXXX inquiry. No knowledge
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block Inc ) due to the inadequate customer services and unfair practices which violate the Customer Financial Protection Act ( CFPA ) Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Transfer Fund Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I am seeking appropriate redress for these violations.
Product: Checking or savings account

Bank of america acknowledged my first complaint emailed me once to call then ignored all my attempts to communicate with them about the issue. They denied my claim again without proof and without ever speaking to me after about a dozen attempts. I called and emailed without any repsonse and they ignored me. They continue to refuse my fraud claim fore baseless reasons
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made me the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Mortgage

Received a ReFi from DiTech XXXX for a small mortgage loan. Ever since they misapply funds and harass me about payments already made. We make our payments more than XXXX days in advance. XXXX treatment from support staff until they find out it was their failure and not mine. Now they claim I need to pay an extra {$500.00} dollars for escrow though annual payments only increased {$53.00} dollars on insurance. They claim they made a payment but ca n't tell me to whom. We pay more than the required payment so I do n't understand why my monthly payment should go from {$590.00} per month to {$640.00} over a XXXX time annual fee increase of {$53.00} dollars. They keep giving me different and incomplete information and when I ask for mailing of their analysis they tell me different months it was supposedly sent out yet was never received in mail. Most recently they misapplied another payment and yet claim I now owe double the normal monthly payment.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The existence of this account has caused me significant XXXX, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX an unauthorized transaction was made on my US Bank account XXXX at XXXX am. At XXXX am I reported the fraud to XXXX number. At XXXX pm I went toXX/XX/XXXXl branch with my ledger. I was helped by XXXX XXXX. We went over my authorized transactions, I completed an affidavit, we faxed it to XXXX XXXX at XXXX pm. XXXX XXXX. faxed back copy of transaction and Payee listed was XXXX XXXX XXXX. They did not tell me where the funds were transferred to until XX/XX/XXXX letter. I asked for all documents then. They sent me XXXX pdf files. XXXX had all transactions from XX/XX/XXXX to XX/XX/XXXX. XXXX was the XXXX unauthorized transaction details. I asked for verification documents too. They said they didn't exist anymore. I appealed thier decision several times. They send letters back saying " payee was XXXX XXXX XXXX and transaction processed as requested. '' EXCEPT, I didn't authorize the transfer of all my money to another bank. I was given bank name on XX/XX/XXXX. I contacted XXXX XX/XX/XXXX on that day concerning bank account XXXX. XXXX determined that it was not my account and will not release details on account. I told US Bank that XXXX says its not my account. They won't budge on position and said I got my money. EXCEPT, I didn't get my {$1400.00} back. I still don't have it back. I didn't authorize or work with whomever set up that account and used my personal identifiers to set up the transaction and steal my money. CFPB rules state I'm only responsible for the first {$50.00} but US Bank still won't refund my money. I contacted XXXX who owns XXXX since XX/XX/XXXX. They told me it was not my account and to contact my bank for details. I keep contacting US Bank but now they said they will not answer my complaints because they insist I authorized the transaction. I DID NOT. In XX/XX/XXXX letter US Bank included the Verification Documents they said did not exist. They called them emails. XXXX of the emails have a copyright of XXXX but this happened in XXXX so XXXX of the documents were fraudulently created in XXXX. I am awaiting a response from US Bank. I don't know if they will respond due to XX/XX/XXXX letter. In XX/XX/XXXX I found out I was part of an AT & XXXX XXXX breach which included full names, social security numbers, email, addresses, dates of birth, etc. Everything needed to set up an account with XXXX Finance. In the past I was also an owner of a XXXXXX/XX/XXXX issued by XXXX. That also had my information on it. Someone working with this data XXXX also be working with US Bank to defraud customers. I just want my {$1400.00} returned to me. I'm a senior on a fixed income and that is alot of money to lose. I have not got my money back. I didn't authorize this transaction. I didn't get those verification emails sent in XX/XX/XXXX until XX/XX/XXXX. I just want my money back. Reports are filed with XXXX XXXX XXXX, XXXX XXXXXX/XX/XXXX, CFPB, Consumer Affairs, FTC, all XXXX credit agencies, and anyone else I could send my report too.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account with XXXX originated with a date from 2010. The original 2010 date should be aged off if nothing else. I filed and forwarded a fraud report from The FTC. The account was removed from all three CRA. It has since repopulated on my Experian report via a collection agency and the new date shown. 
Experian has been reporting my account with an incorrect birthdate and SSN. I have filed electronic disputes, with supporting documentation, that I have again attached.
Product: Money transfer, virtual currency, or money service

Transaction dates= $ 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 These are all labeled and and sometime between XXXX XXXX I paid XXXX XXXX XXXX {$750.00} for deposit plus security and application fee again after i tried to pay by XXXX and said she cant ' accept that in her system. 
I never moved in that location and have waited for a month to try and move in but it was a process that kept requiring another payment because of their system couldn't accept a payment or kicked back payments and i ended up having to repay and the process got stretched out for too long. It could have been misleading and now there charging me a termination fee of $ XXXXThis process is very risky due to the pandemic with me going in between places and not having a solid location for protection. 
This is a very serious manner for me to relocate as this was a rental lease that was terminated.
Product: Credit reporting, credit repair services, or other personal consumer reports

SYNCB/ OLDNAVY - XXXX is reporting an inaccurate late on my credit. I was never late and have never been late on this account. I made this payment on time and they messed up and marked it as late. This is not my mistake and it needs to fixed.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, and so on.
Product: Credit reporting or other personal consumer reports

When reviewing my credit report this morning, I was surprised to see incorrect accounts that I did not expect. I check my report regularly, but these errors appeared out of nowhere. I even attempted to refresh my browser, thinking it was a minor glitch, but the inaccuracies persisted. Therefore, I request a careful examination of the documents I have sent to ensure this problem is fully resolved.