23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

While reviewing my credit report recently, I noticed discrepancies in the reporting of an account. Surprisingly, one payment was marked as late on an account that I diligently paid on time. It's imperative that consumer reporting agencies maintain accurate records. I can affirm that this account has consistently been punctual with payments. Enclosed is a copy of my report with the date in question : XXXX XXXX XXXX XXXX XXXX XX/XX/year> - Inaccurate late payment Date I respectfully request your immediate investigation into this matter and urge for the prompt correction of these inaccuracies. This payment was paid on time and should be updated to reflect as such - paid on time/never late. Your attention to this issue is greatly appreciated.
Product: Credit card or prepaid card

My wallet was stolen, and attempts were made to use my credit cards. I filed a police report, and they located the people who were using, and attempting to use, my credit cards. 

The detective handling the case needs information about the attempts to use the cards. One of the banks refuses to provide the information even though both me and the detective have been to the bank on three separate occasIons ; I filed a complaint with the bank 's complaint line, I called the fraud department three times, I wrote the XXXX. I've gotten no response. 

At first, the bank refused to provide the information, saying that only if me and the detective went into a branch together. When the police detective and I went to the bank together, a woman helping us showed us the attempted uses of my card on her computer screen but refused to download it or take a screen shot for the detective, saying she " couldn't ''. I read off the information and the detective wrote it down by hand. When he took the investigation to the DA 's office, the DA wanted him to get a bona fide transcript of the time, date and location of the times the thieves attempted to use my credit card. 

I went back to the bank, requesting a print-out of the attempts to use my stolen credit card. The woman was on vacation and nobody else could get the information. I called the fraud department again, and was told that this isn't the first time he's heard of this problem and that I should get a " warrant '' -- I think he meant subpoena. Why should the police have to issue a subpoena to get information to prosecute people committing credit card fraud? Why does the bank refuse to cooperate in prosecuting credit card fraud? There is something really wrong going on here because the last fraud department person I spoke to told me this isn't the first time people have called saying the bank won't cooperate. 

I can not view the bank 's actions in any other light than aiding and abetting credit card fraud, and apparently that policy is institutionalized within the bank. This needs to be investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I had 2 accounts placed in collections with Revsolve. These accounts were taken off my credit report sometime in XXXX. I believe it is these same accounts that showed back up on my credit report one for {$380.00} and one for {$180.00} with an opened date of XX/XX/XXXX. If this is not the same accounts this is fraudulent and do not belong to me. If these are the same collections from XXXX the opened date should not be XXXX XXXX.
Product: Debt collection

U S BANK {$1200.00} I have reported this company stating this debt is not mine. They keep verifying it with already-known information. However, I have an FTC, CFPB, and a police report stating I am an identity theft victim. It even shows on my credit reporting accounts. 

This said account is nothing more than another theft account that was opened fraudulently without my permission and knowledge.
Product: Mortgage

- XXXX had family hardship paying mortgage applied for a Modification received one which due to discrepancies the investor agreed defer 40 % + of principal to the end of loan 30 year term to allow for affordable mortgage payments of approximately {$1200.00} a month for 30 years. 
This worked until a few years later due to a loss in a family coupled with others loss of income caused another hardship in which I contacted ( servicer at the time ) Aurora & after informing the representative & the underwriter they agreed to modify the terms to allow the payments to be lower temporarily & the monthly payments will be lowered by approx {$100.00} a month. Few weeks later contacted Aurora representatives & expressed my concerns on the Modification being executed & was told that it's being processed. 
Until one day I followed up & was told the new servicer is now Nationtionstar. I contacted Nationstart & was told that I will have to reapply for a Modification. I apply & about 4-7 months later we receive a Modification offer that is twice or triple my Family 's total income. We call to inform them what Aurora states & told to reapply for Modification, we do & the cycle repeats itself. This has the same until my Housing Advocate submitted a escalation with the XXXX XXXX XXXX XXXX XXXX in XXXX alleging Nationstar/MR.COOPER failure to honor their agreement ( breach of an oral contract ) to provide an affordable Modification as agreed to in XXXX has caused financial loss from XXXX to date which os water fall option violation under the terms and agreement MR.COOPER/Nationstar has with the U.S. Treasury to date a.k.a . XXXX XXXX XXXX XXXX " XXXX '' agreement. 
My housing counselor has attempted to file an escalation request with Rscaltion Yeam but has been returned due to closure of that department. He was told that there may be an internal department that may process his request and has filed his request but as of to date has yet to receive a response. 
Meanwhile MR.COOPER has sent us a letter denying my request for them to honor what the investor 's agreed to back XXXX or just reoffer the XXXX Modification? 
In addition we are XXXX seniors with medical conditions that our doctors state put us at risk of XXXX & after receiving MR.COOPER last letter we are in Fear of bring foreclosed & knock-out in the streets during a Pandemic giving us not much opportunity for survival. Your assistance is urgently needed.
Product: Bank account or service

Dear Sir/Madam, After changing my address at USPS, Suntrust Bank sent a notice that my mail address has changed. I have never had an account with Suntrust! After calling them, they said I have a loan account with 0 balance. 
They created a fake account under my name for their purposes I am thinking like XXXX XXXX did. 

Please have an inquiry on this matter
Product: Vehicle loan or lease

After credit denial from application on XX/XX/2023, I emailed Westlake Financial to have them return my original application or release access to my credit with mention of the Equal Credit Opportunity. The email response was that they " Disagree with my interpretation of the statue ''. Next, I emailed them back ( Title VII Equal Credit Opportunity 502 findings and purpose, Title VII Equal Credit Opportunity 702 definitions ( d ), ( e ), and ( f ), also 15 USC 1602 definitions and rules of construction ( g ), and ( l ), also The Federal Reserve Act Section 16 Note issues- 1. and 2., also The Federal Reserve Act Section 1 short title and definitions- 1., 2., and 3., I emailed them a Notice of Claim to Interest as the Agent for the Principal. They responded only that my ticket had been closed. Then, on XX/XX/2023 I sent a Certified mailing ( return receipt ) to one XXXX XXXX, CFO Westlake Finacial with the same Notice as " Default Judgement for Nonperformance '' along with a copy of the original application and copies of all the emails mentioned. As of XX/XX/2023 @ XXXX XXXX I have yet to receive a response.
Product: Money transfer, virtual currency, or money service

I have has an account with Blockchain.com for several years and sold all my crypto in early XXXX. I want to now transfer the cash in the account to my bank account. I have used the on line chat 7 times and was told to pay in more money to create a link. My bank account appears on my dashboard in the app but wont work. 

Subsequent chats have tried various things but no help I then submitted a complaint but all I receive is an email saying I have not responded to their email so they are closing the ticket Now I can not log into my account and I am getting no response to the tickets. 

I just want my cash of XXXX pounds sterling into my XXXX or my US bank account. Happy to close the account when I have my money. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In despite of multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, Section 605b, within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. With this, I am asking for you immediate assistance to remove the items that result from alleged Identity Theft. These are the following fraudulent items : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and noticed that the bureaus have added unauthorized information to my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

DELETE THIS ACCOUNTS IN MY CREDIT RI want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. The CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps. 

EPORT IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I received an email from XXXX XXXX notifying me about a new hard inquiry. The inquiry was from XXXX XXXX and I did not authorized this. Someone is using my social security number and this person is trying to open credit cards. I called the bank but it was too late to speak with the right department ( I called after XXXX ). However, the bank representative provided me with the right department phone number. I am going to call them on Monday since they are close over the weekend. This situation has put me in high alert since someone had try to open a credit card account with another bank ( XXXX ). I have put an alert on my TransUnion account and I filled a report on XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus stated for the second time my account was properly investigated and up to date. Ive disputed everything that was not mine yet its still on my credit report. I was told i had a XXXX account on my credit file by XXXX and when i went to the bank they told me there was no such account. Ive been looking for cars and less than 3 month ago my down payment was {$200.00} but today XX/XX/XXXX i was told my down payment is XXXX  XXXX. So when i called and talked to someone i was told again that was accurate but that's not possible because i have different credit scores, different amounts owed, incorrect account numbers, incorrect dates of open accounts, incorrect dates of closed accounts, inaccurate addresses, inaccurate names, inaccurate accounts, inaccurate active dates and not to mention it took more than 30 days to respond. This is grounds for removal, they have also violated my rights as a consumer. 


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 : A consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX XXXX XXXX XXXX for failing to provide the legally required debt validation information in response to my request, in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

On XXXX XXXX, I sent XXXX XXXX XXXX XXXX a written request for validation of a debt they claim I owe. The letter was sent via certified mail with a return receipt requested, and it was delivered on XXXX XXXX. Despite allowing ample time for a response, XXXX XXXX XXXX XXXX has failed to provide any of the requested validation, which includes : 1. Proof that I owe the debt and that the amount is accurate.

2. The name and contact information of the original creditor.

3. Documentation showing their legal authority to collect the debt. 

Additionally, despite failing to validate the debt, XXXX XXXX XXXX XXXX has [ describe any actions, such as continuing collection efforts, threatening legal action, or reporting the debt to credit bureaus, if applicable ]. These actions violate my rights under Section 809 ( b ) of the FDCPA and have caused me unnecessary stress and harm.
Product: Debt collection

Called repeatedly using different tactics nd different phone numbers. Said they are legal dept. and then said they are mediators. Claimed they were going to serve me court documents and have last of my social security numbers, My attorney then called and they said I owed payday loan in amount of {$990.00} which I have never had. They have called my mom and my sister on separate occasions looking for me which is ironic since both myself and my attorney have spoken with them and told them t9 stop harassing me. 

Phone number : XXXX XXXX XXXX number that has called me repeatedly
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 timely and effect measures to prevent and address fraud on their Platform, leaving my account vulnerable and unprotected.furthermore, their dispute resolution process was unfair and deceptive l, as they did not comply either error resolution requirements under the electronic transfer act ( EFTA ) and regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for violations.
Product: Money transfer, virtual currency, or money service

I am formally expressing my concerns regarding Zelles handling of disputes, particularly in light of of the recent CFPB LAWSUIT highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. I need the following items to be deleted from my file right away. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I had a mortgage with Pentagon Federal Credit Union with a balance of approximately {$130000.00}. I applied in early XXXX for a re-finance in the amount of {$160000.00} on an adjustable XXXX rate mortgage and stipulated a Title Service company here in Alaska as my choice of service. After the loan was approved and scheduled for closing - I was notified at the last minute another Title company would service the loan. I objected ( by email ) because it would cost more - they said they would lower some fees to make up for it and they did ( but not for as much as promised initially - again by email ). 
Also questioned why we are paying {$1000.00} for an appraisal that cost {$700.00} ( which is why we wanted to choose our appraiser and Title company ) basically told verbally by " XXXX '' it was a service fee tacked on by XXXX (?? ) Signing was scheduled at our home for XXXX. Prior to that I requested copies of all documents we would be signing. I asked more than XXXX time by email. 
From XXXX XXXX we received XXXX different disclosures. 
We signed on XXXX and was told funds would be available on the XXXX - then the XXXX ... 
Was given an electronic deposit tracking # and told was made n the XXXX after XXXX. 
As of today the XXXX still no funds after repeatedly requesting by emails starting XXXX As of today no accounting received for our request for clarification of " changes '' we were told would result in funds received As of today we have not received ANY copies of any documents we signed. 
Emails attached along with copies of documents sent to us.
Product: Credit reporting, credit repair services, or other personal consumer reports

The CRA 's have continuously added fraud alerts, blocks, security freezes to my credit file. This is a violation of FCRA regulations. Please immediately remove these alerts Without my phone number these alerts are useless. Please sent me proof the I requested the alerts.My recent disputes specifically requested NO added fraud alerts, blocks, security freezes. The FCRA permits a penalty up to {$1000.00} for such violations of my consumer rights.
Product: Credit reporting or other personal consumer reports

I have identified accounts on my credit that are results of identity theft. These items are not related to any transactions caused by me. I have read that I have rights to have my information blocked and removed pursuant to 15 USC 1681c2. Pleas honor my request and remove these accounts immediately. I am a living person do not close this investigation until full proof is sent items are removed..
Product: Credit reporting, credit repair services, or other personal consumer reports

I DIDNT AUTHORIZE ANY OF THE BELOW INQUIRIES : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I noticed a few months ago there was an inquiry to my credit by XXXX XXXX. I never applied for any loan so I called the company asking them why are they pulling my credit file and remove from my credit file with TransUnion XXXX and XXXX. The phone number and last 4 of the social security number didnt match me. Also they claim that a {$600.00} check was cashed so they should have been able to trace it. Now today it is showing as a late payment and theyre calling me with harassing phone calls over a loan Ive never had. They have ruined my credit as I applied for a grant and was denied because of this. It is not my job to find out who they have a loan to. This is FRAUD. They should be able to pull the call and she who they spoke with to take out the loan. I will be pursuing legal action as they were forewarned months ago. Its not my fault if your incompetence staff didnt get persons full name ss # phone number place of employment etc to correctly identify who you were doing business with. This is completely ludicrous. They need to be put out of business. I cant imagine how many people they have done this to. Also it should be a signature on the check and a way to trace that payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX XXXX are not reporting actual true and accurate information the cause of not getting credit or loans