23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Select Portfolio Servicing, Inc. ( SPSI ) took over my ( XXXX ) loans effective XXXX XXXX XXXX. Prior to SPSI, I was paying XXXX XXXX XXXX XXXX ( XXXX ). 
I sent a check to SPSI for a total of the XXXX payments which they deposited on XX/XX/XXXX. I also referenced the XXXX loan numbers that I was given from XXXX. SPSI applied all the funds to XXXX loan. I started receiving daily messages from SPSI wanting to know why I had not paid my loans. I called SPSI on XX/XX/XXXX and spoke to XXXX. He stated he understood the problem and said that he received approval from management to get the problem fixed. Nothing was mentioned about taking 10 business days to correct the issue. 

I sold one of my houses and closed on XX/XX/XXXX. The issue was not yet resolved so I had to have additional funds withheld at closing because the payoff was incorrect from the original issue not being resolved. 

I called SPSI today and requested to speak with a supervisor. XXXX got on the call and I explained what had happened and was told that cashiering was advised of the situation and that it would take up to 10 business days to correct and another 10 business days to disburse the funds. I told him that this was unacceptable, I needed my money and asked if SPSI is going to pay me late fees and interest for holding my money. He said, no, we did nothing wrong. I asked to speak with someone in cashiering and was denied. I told him that they misapplied my funds. His response was that you are not supposed to make multiple payments on 1 check. My response back was that I never received correspondence stating that this was not acceptable and that XXXX didn't have a problem receiving multiple payments on the same check. When I asked to speak with his supervisor I was told once again that he was on the management team and that he did not have a supervisor. I then asked if he was the CEO and he stated that I needed to respect him and stop belittling him. I stated it was a simple question, are you the CEO yes or no. He said no and I said then you have a supervisor. He would not let me speak to anyone else to get my money. I was basically told that it would take up to XXXX business days. Not acceptable when it was not my fault!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, The credit bureaus did not correct my accurate name, they did not update my current mailing address, list of accounts in violation : 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 HARD INQUIRIES LISTED WITHOUT MY AUTHORIZATION. 
Has Violated my Rights. 15 U.S.C. 1681 Section 602 A. that States I have the right to privacy. 15 U.S.C. 1681 section 604 A sec 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

There are numerous inquiries on my credit report for which I did not make and need to be removed from my report. These include : XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX and XX/XX/XXXX XXXX XXXX Section 605B of the FCRA states that information reporting must be accurate and verified. I have not inquired with these institutions.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
Inaccurate Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint to Equifax result of their non-compliance to my request and for their refusal of getting the unauthorized inquiries, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned unauthorized inquiries for they were found erroneous. 
XXXX/XXXX  Date of inquiry XX/XX/2020 XXXX/XXXX  Date of inquiry XX/XX/2020 XXXX/XXXX  Date of inquiry XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

Like 143 million other Americans, my credit report information was hacked on Equifax in XXXX 2017, and  the public was not made aware of the issue until XX/XX/XXXX. This hack displayed gross negligence on the part of Equifax, opening myself and millions of other people open to risk of identity theft due to the leak of social security numbers and personally identifiable information that could be used to open up fraudulent credit accounts. I do not believe that Equifax has responded appropriately to this leak, considering they failed to disclose that they were hacked for six weeks before offering a solution of free credit monitoring for one year. Credit monitoring will not prevent someone from opening my account, and even if it did, my social security number and other data will not change after one year. After the " Free '' year of credit monitoring expires, I would still be open to the same level of risk as I am today solely  because my personal information was not sufficiently protected.
Product: Payday loan, title loan, personal loan, or advance loan

I was looking at a loan through XXXX and they submitted my information for OppLoans by OppFi I have no idea who this company is but this is what they offered me it was the only offer over and over and over Overview Loan amount : {$2400.00} Monthly payment* : {$440.00} APR* : 159.99 % Term* : 10 months Interest and fees : {$2000.00} Total cost i : {$4400.00} XXXX thought no way its 159.99 % interest rate so I opening the offer and it stayed the same. This is insane and usurious.
Product: Money transfer, virtual currency, or money service

XX/XX/2020 at XXXX, I received a phone call from XXXX XXXX XXXX XXXX XXXX that was supposedly a Cash App representative that was trying to verify that I sent my mother {$100.00} on Cash App website. My mother was having trouble accessing the money sent to her via the Cash App. My mother got Cash app phone number from XXXX, and gave this so- called Cash app representative my phone number. The representative already had information about my mother and was trying to get my pin. Unfortunately I couldnt remember my pin, so he text links for me to access to reset my pin. I received a fraud alert from my my credit union that someone was trying to debit {$2000.00}, {$1000.00}, and {$500.00} dollars from my account. I try to contact Cash App but it was difficult. There is no way to get help from Cash App about these situations. I deleted my account with Cash App. My concern is the same number XXXX XXXX XXXX XXXX XXXX called me again and this person keep sending me texts from a phone number XXXX XXXX XXXX XXXX XXXX about a person sending {$1100.00} to me via my cash app with a link. The same person took {$200.00} from my mothers cash app account also today. I would like to submit a complaint and a alert of possible scam and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act convergent accounts are fraudulent and Where not made by me. I do not recognize these inquiries and demand that they be deleted from my account immediately : 1 ) XXXX  XXXX XXXX -- Inquiry Date : XX/XX/XXXX 2 ) XXXX XXXX XXXX XXXX  XXXX Inquiry Date : XXXX XXXX 3 ) XXXX XXXX -- Inquiry Date : XX/XX/XXXX 4 ) XXXX/XXXX  -- Inquiry Date : XX/XX/XXXX 5 ) XXXX  XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX 6 ) XXXX  XXXX XXXX  XXXX XXXX Inquiry Date : XX/XX/XXXX 7 ) XXXX XXXX -- Inquiry Date : XX/XX/XXXX 8 ) XXXX XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX 9 ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 10 ) XXXX XXXX XXXX XXXX XXXX -- Inquiry Date : XX/XX/XXXX 11 ) XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX 12 ) XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX The aforesaid creditors did not have my written consent to access or pull my credit report. Please provide proof of my written signature that granted these companies to access my credit report. If that can not be done please remove these inquiries promptly. Please do not reply with a generic response about your obligation to report the inquires as they are. I am well aware of my rights that are allotted to me by the FCRA. And the aforementioned accounts are in violation of several FCRA Laws that are allotted to me. I do not recognize them and they are fraudulent and need to be removed off my credit file immediately. They are harming my credit file and hindering me from getting reasonable financing terms. 

In accordance with the fair credit reporting act convergent account : 1 ) XXXX XXXX XXXX XXXX : XXXX ( Delinquent for the months of XX/XX/XXXX ) 2 ) XXXX  XXXX : XXXX ( Delinquent for the months of XX/XX/XXXX ) 3 ) XXXX XXXX XXXX : XXXX ( Delinquent for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) 4 ) XXXX XXXX : XXXX ( Delinquent for the months of XX/XX/XXXX ), has violated my rights. 

15 USC 1681 Section 602 States i have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

623 ( a ) ( 7 ) 15 USC 1681 and 621 15 USC 1681 : I did not receive a model B-1 or B-2 notice stating that the following accounts ( ) were going to report delinquent.

As a direct result of the violation of my rights that are allotted to me by the FCRA, i would like for the following late payments and inquiries to be removed from my account. I do not want any generic information the FRCA. Or any generic response, i am well aware of my rights under the FRCA. I would like to have the late payments and inquiries removed from my account because they are not verified and are violating my rights.
Product: Checking or savings account

On XX/XX/XXXX I over-drafted my account and was charged a XXXX  fee. I blocked the card, as I did not have sufficient funds and was unable to make it to the bank to deposit funds and funds transfers from my other bank werent working- they continued to accrue NSF fees for transactions still hitting the account despite me blocking them. I went to the local branch on XX/XX/XXXX and deposited {$100.00} cash to cover the overdrafted amount and the first fee and close the account, asked for the fees to be refunded, and was told theyd escalate to a manager to see if they could refund the remaining XXXX in bank fees and close the account. I logged into the account the next day to find out that the balance was at {$0.00}, so I assumed they waived the fees and closed the account as I had requested. It wasnt until XXXX of XXXX I received notification that the account had actually been charged off and charged an additional XXXX charge off fee for a total of {$130.00} being sent to collections. Called customer service to figure out how when I had closed the account, they told me to go to the branch. The branch then told me they couldnt do anything and would not give me statements until I demanded that was illegal. They then told me that I would never be able to open an account ever again at any other bank and would never be able to use checks because theyd automatically be blocked at any other bank ever again, having worked in fraud for another bank, I know this is untrue and is illegal debt collection practice. I was given misleading information, and the branch gave me false promises and failed to inform me that the account was going to be charged off on the next business day when I went in for the deposit. This bank is using illegal sales practices and is misleading customers and committing theft with unclear practices and fee structures and failed to communicate with me the status of my accounts when requested :
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of a charged-off account that appears on my credit report. The details of this account are as follows : Creditor : XXXX XXXX  Account Number : XXXX Account Type : Revolving account ( Credit Card ) Bureau Code : Individual account Account Status : Closed Monthly Payment : {$0.00} Date Opened : XX/XX/year> Balance : {$8400.00} Under Section 611 of the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that may be inaccurate, incomplete, or unverifiable. I am requesting that you conduct a thorough investigation of this account with XXXX XXXX  to verify its accuracy. If this account can not be fully verified with all required supporting documentation, please remove it from my credit report immediately.
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. I am tired of sending dispute letters to the Credit Bureaus requesting that they correct these erroenous account being reported on my File because the Credit Bureaus have been doing nothing! This complaint is to follow up my previous cmplaints and letters I submitted on XX/XX/2022 and to inform them that I am halfway of taking legal action and sue the Credit Bureaus for their willful non-compliance of the FCRA statute. Only if the Credit Bureaus chose to update and correct the following accounts on my Credit report, then I may stop filing lawsuits against Credit reporting agencies. The accountsthat should be corrected is : XXXX XXXXXXXX XXXX Late Dates : XXXX
Product: Prepaid card

Cash app wrongfully closed my account stated I went against company policy and that wasnt the case. I set my taxes to be sent to this account an now idk how Im going to get my refund its very stressful an upsetting
Product: Checking or savings account

Wells Fargo is denying my disputes. My card was stolen and used for over {$8000.00}. 

I tried to handle this with the bank with no help from their end.
Product: Credit reporting or other personal consumer reports

I declared bk in 2017 however I recently received copy of my fico report and was shocked to see XXXX transition and experience reporting thst I have 18 to 30 late payments derogatory accts or negative which none of my accts current or included in bk were ever late!! To the contrary I have an excellent payment history!! Further my XXXX. XXXX immediately lowered my score XXXX points when I disputed accts that were not charged off but included in bk!! I already took a hit back when I filed therefore I am being hit again after numerous disputes!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have three accounts on my Equifax report that are fraud ( XXXX, XXXX and XXXX ). I have sent my FTC indentity theft report, police report, a letter notifying them of the fraud from the FTC, a copy of section FCRA 605B, a copy of my license and social security card. 

Equifax still has not removed it. I sent this information on XX/XX/XXXX, XXXX and XX/XX/XXXX and have fax receipt. I have also mailed anther copy on XX/XX/XXXX. At this point Equifax is in direct violation of mt rights. Every other CRA has complied but Equifax has not. 

If you dont comply with the FCRA, you may be sued by the FTC, Consumer Financial Protection Bureau ( CFPB ), state governments, or in some cases, consumers. The FCRA provides for maximum penalties of {$3800.00} per violation in the case of lawsuits brought by the FTC. I would prefer the accounts XXXX XXXX, XXXX and XXXX be blocked. However my next step is legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I arrived into the XXXX in XXXX After I got my Visa ( see attached visa and entry stamp ) I married and filed for my permanent residency XXXX and got my SSN for the first time in XXXX XXXX.. ( also see attached copy of XXXX card ) I disputed this information several times but to no avail. The federal law prohibits any reporting agency to report any information that has not been duly verified. XXXX XXXX XXXXXXXX has been reporting a loan in the amount of {$11000.00} that was taken or opened XXXX to EQUIFAX.. That was before my arrival.. and had kept reporting this delinquency under my credit report which I have just fully established this year. My request is that this inaccurate report be deleted completely from my profile.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the following accounts on my most recent credit report due to significant violations of the Fair Credit Reporting Act ( FCRA ), Consumer Financial Protection Bureau ( CFPB ), & the Federal Trade Commission ( FTC ). These violations pertain to inaccuracies, incomplete reporting, and failures to comply wither federal laws requiring accuracy & proper handling of disputes. All of these accounts below have been completely paid in full for several years now. The accounts in dispute follow : XXXX. HAPPY MONEY INC/PAYOFF INC Account XXXX XXXX ) After reviewing my credit report, I have identified several discrepancies & violations that render these accounts invalid for reporting. Below are the specific violations of the FCRA, CFPB, & FTC : HAPPY MONEY INC/PAYOFF INC Account XXXX XXXX ) Inconsistencies Found : Different company names for same account Inconsistent charge-off reporting Different settlement status reporting Applicable Laws & Violations : 1. FCRA 623 ( a ) ( 5 ) [ 15 U.S.C. 1681s-2 ( a ) ( 5 ) ] : Requirements for furnishing information after settlement Violation : Misrepresentation of settlement/charge-off status Violation : Inconsistent reporting of settlement terms 2. Section 611 ( a ) ( 5 ) ( A ) of FCRA [ 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ] : " If the credit bureau can not verify the accuracy of the disputed information, it must delete the information on the credit report. '' Violation : The Credit Reporting Agencys failure of accurate reporting means the disputed items/accounts should have been removed.

3. Section 623 ( a ) ( 2 ) of FCRA [ 15 U.S.C. 1681s-2 ( a ) ( 2 ) ] : Violation : Failed to update account information consistently after company name change 4. Section 623 ( a ) ( 1 ) ( A ) of FCRA [ 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ] : Violation : Misrepresentation of settlement/charge-off status Violation : Inconsistent reporting of settlement terms 5. CFPB Bulletin 2014-01 : " Requirements for furnishing accurate information after debt settlement. '' Violation : Misrepresentation of settlement/charge-off status Violation : Inconsistent reporting of settlement terms 6. FTC Commentary 607 ( b ) -3 : Accuracy in reporting account transfers/acquisitions Violation : Misrepresentation of settlement/charge-off status Violation : Inconsistent reporting of settlement terms
Product: Mortgage

The bank did not pay the tax from the escrow account in a timely manner, although I have reported the tax notice to the bank in the way they guided. Then, the bank claims that I am responsible for the late payment.
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 have sufficient funds when transfer fees were authorized, I was charged due to lagged posting of charges and credits. This issue aligns with the recents 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 I request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple negative lines or marks on my.credit report that not only have " aged-out '' only to reappear on my report under a new account. I know about debt buyers reselling almost aging debt right before they do infact age out, but whoever had owned the debt before, did NOT sell it before it aged out, it was after! 

Not only that, but when I disputed the debt a couple years ago asking for them to verify the XXXX, and the XXXX, and location of medical treatment, they refused. Isn't refusal to verify the debt illegaal? 

I also have two line of debt that are the exact same date entered to collections and amount ; that is a double charge. I've never in my life went to two different hospitals in one day for the exact same treatment. That dispute was also wrongfully denied.

Also, A new act has passed called the No Surprises Act, which protects people from surprise billing when receiving services from am put of network provider while at a facility that is in network ( might be strictly for emergency services ). I have also had XXXX for the last 12 years, therefore that affords me another level of protection, because if I have medicaid, there is no services that are not covered. If you aren't covered for A specific procedure under medicaid, they dont do the procedure. Also, all of my uncovered medical bills are from an emergency room ( I believe all are for XXXX services ( rendered in an emergency setting and situation ). That is also covered under the act. 

I acknowledge that response time can be prolonged, but I want the person taking my email/case to know I appreciate any amount of time spent on corresponding with me regarding this. And ANY amount of help is more than I have now, and I need it. I can't wait to hear from you. Please email me with a subject line in ALL CAPS to stand out better.
Product: Checking or savings account

Someone opened a checking account. Someone info was compromised by XXXX XXXX XXXX XXXX will close the account.
Product: Credit card

On XX/XX/year> I received a notification via email from Bank of American that I was approved for a credit card that I had never applied for. I immediately called Bank of America to see if a new account had been created for me. They confirmed that the credit card had been applied to under my name. They helped me to close the account and begin the fraud service on their end. I am not sure who opened the credit card for me
Product: Money transfer, virtual currency, or money service

Paypal limited my account without no reason, and the big problem is all my work stopped now and i have any other money. 
This is my email XXXX XXXX
Product: Checking or savings account

Today XX/XX/2022 I received a text from an unsaved number telling me, exactly this : Free Msgs Citi : Your mobile banking has been locked due to an unusual login attempt. To certify please visit : XXXX. 

I do not have a Citi or Citibank account, so I should not be receiving these messages. The phone number sending this message is XXXX ( XXXX ) XXXX.
Product: Debt collection

I requested information about the XXXX  XXXX account and XXXX  i wanted to know when and how and what information that was used to get this account all they did was sent a bill to me with a different address on it