23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have been a Wells Fargo customer with my 1st Mortgage and always pay on time with additional payments to principle each month. I owe {$180000.00} on a rental property in the XXXX market that i rent for {$2500.00} month. My credit was XXXX prior to my auto payment error. I wrote emails and letters to Wells Fargo board of directors explaining what happened with their website regarding my one late payment and they did not help me in any way. 
As a real estate investor and borrower with XXXX plus credit i am not satisfied with how they handled the situation. Clearly i make extra payments each month and always have $ XXXX-XXXX a month extra. My late payment was due to their website. They are not helping me and have impacted my credit score which impacts my business.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recieve a alert from my credite product that i pay for ever month that a new account was reporting on my credite report. I look into it and this account showed up XXXX XXXX XXXX XXXX Account # XXXX and stated open XXXX XX/XX/XXXX for a amount of XXXX. I called in to Experian and open a dispute on XX/XX/XXXX and came back verified on the XX/XX/XXXX so from what I see they didnt do anything to investergate now i want this account deleted from my account as soon as possible. I also have a problem with another account reporting wrong that account is XXXX XXXX XXXX account # XXXX this accont was not mines and reporting as charge off and XXXX payment late and this is incorrect please have them to delete, XXXX is reporting Inquirier that are do to Fraud and they are XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, And XX/XX/XXXX XXXX XXXX
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, CashApp failed to take timely and effectively 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 resolutions process requirements under the Electronic Find Transfer Act ( EFTA ) and Regulation E.these actions have caused significant inconvenience and financial loss, and seek appropriate redness for these violations.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I received an email from Capital One stating a credit card application had been declined. I also received emails from several credit monitoring services stating I had a new hard inquiry on my credit report. 

I have not applied for a new credit card. This is fraud. 

I attempted to open the decision letter from Capital One, but was given an error message stating my input information ( last XXXX ssn, name, zip code ) did not match what was previously provided -- perhaps the fraudster used an old zip code? 

Immediately, I went to my credit reports for XXXX, XXXX, and XXXX. The hard inquiry is listed on all three reports. 

I called XXXX first to dispute the hard inquiry. The representative was very helpful, and she recommended I file a report with ftc.gov as my next step -- that's what I'm doing here.
Product: Credit card or prepaid card

I am the complainant of identity theft in this grand larceny case. The newly issued Home Depot credit card that was addressed to me never arrived. My first statement arrived in XXXX indicating the unauthorized charges. There were three transactions on XX/XX/XXXX, amount of {$300.00}, {$380.00}, {$370.00} was made at ( store # XXXX ) XXXX Depot in XXXX XXXX XXXX, New York. I immediately contacted and reported the fraud charges to Home Depot Credit Card Services ( issued by citibank ) in the final weeks of XXXX. 

In XXXX I received a letter from Home Depot credit services dated XX/XX/XXXX, acknowledging my fraud claim on my account. They informed me I will not be making payment toward the disputed amount or any interest or fees. They mentioned they will contact me if any information is needed to complete the investigation. Home Depot Credit Card Service did not request anything from me at the time. 

I then received a their letter dated XX/XX/XXXX indicating I was being held responsible due to insufficient information/facts to claim fraud and because the card was read at a chip enabled card reader. It wasnt until I had to dispute their decision that they requested a police report, a dispute letter and picture ID to compare my signature. I also faxed them proof that I was out of the country at the time. 

Home Depot credit card services did not advise me in how to proceed when I first reported the fraudulent charges. They also stated in their statement of acknowledgement that if anything else is needed to complete the investigation that they will contact me. They did none of that! It wasnt until I called them after receiving the letter of their completed investigation, is when they wanted more information ; the ID, a letter of dispute and police report.

It is unjust that the investigator of the fraud department cant reach out to the Home Depot store and review the footage of the transactions in question. And the lost and prevention department at the local store can only collaborate with the police to investigate. The police detective assigned is also very occupied with priorities and has not looked into my case. No one is doing their due diligence in this investigation. Surveillance in the local store from the date of incidence can show I wasnt there.
Product: Credit card

I had a credit line of {$4000.00} with Care Credit. XXXX day they suddenly closed the account without any valid reason. I planed to use this card to pay for XXXX XXXX XXXXXXXXXXXX visits, and other medial related expenses. Closing this account resulted in my XXXX XXXX dropping and me not having access to medical credit any longer. I read online that a credit card company can legally decide to close your account if there is no activity on the account but the reasons they provided are to deny an application and not really to close an account that has already been approved. I started the account with a credit line of XXXX and grew it to XXXX.
Product: Debt collection

Had a contract with XXXX.wasnt happy with service.wanted to go back to XXXX.XXXX said they would pay termination fee, and they did! XXXX said we owed more which we did n't.
Product: Consumer Loan

Have asked them not to contact our families yet they continue to contact our families. Multiple calls a day, up to XXXX sometimes as many as XXXX calls a day.
Product: Credit reporting or other personal consumer reports

Complaint # XXXX Company responded XX/XX/year> XXXX card did not address the issue of removing the Account as stated to there reponse. 

I did not apply for this account It's Clear by them to the reply by XXXX 

XXXX never address the issue with information place on my credit file of removal. 

I never open applied or ask for a discover account nor applied or sign any contract for this car. 

This is no duplicate of what I said or respond to
Product: Debt collection

I have a debt collection on my report from from portfolio recovery from XXXX XXXX I never open up a credit card with them have no knowledge of this account I try to dispute nothing work I explain that Ive lost my important stuff with all my information like social security card Id anybody could of use my info I just found about this it wasnt on my credit report before now all of sudden it appears its not my debt to be paid I refuse to pay for something that I never had no knowledge about it should be remove from my credit report cause I already disputed it as not mines its not my responsibility if someone use my information and I have another card reported charge off from XXXX XXXX another card I have no knowledge of this is crazy
Product: Credit card or prepaid card

I have had fraud on my credit card XXXX at the beginning of XXXX and most recently my car was broken into and card stolen, I have received letters from a specialist name XXXX at extension XXXX who states that she was reaching out but not able to contact me. She sends letter saying she tried to call me, but this is not true. They have not called me, I even returned calls and always get voicemail, I leave messages and still not get return calls. I send emails and make several calls and attempts to her and she does not return telephone calls or emails. Now I am being help responsible. I can not get through to anyone and keep getting the run around. I need help. Ive had fraud and even made police reports but they dont do anything or take action.
Product: Credit reporting, credit repair services, or other personal consumer reports

Report # XXXX Since XX/XX/2022. I contacted the credit bureau to correct the wrong information on my credit report TILL date they have not fixed the inaccurate personal data. 
Wrong names XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX. 

Inaccurate addresses XXXXXXXX XXXX XXXXXXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please delete the following unrecognized credit inquiries. 
XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022. 
I also attached the copy of the letter i sent you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 4th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX  & Experian verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 3 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX & Experian back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. XXXX refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy & child support is mine.
Product: Debt collection

This company is trying to collect an amount that is owed to a military housing complex. The amount they are seeking is incorrect and more than the amount that the XXXX XXXX servicemen and his spouse ( myself ) were told. We were under the impression that this amount had been taken out of the paycheck per the agreement with military housing.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/19 paid XXXX to action recovery tols 30 to 90 days off credit bureau still not off On XX/XX/19 paid XXXX spoke to XXXX XXXX XXXX confirmation # XXXX and XXXX with XXXX XXXX told will be off credit 45 days still not off On XX/XX/19 paid to lake are collections XXXX XXXX XXXX XXXX XXXX XXXX XXXX la XXXX to XXXX XXXX for XXXX XXXX if la acct XXXX XXXX conf # XXXX still not off credit On XX/XX/19 of XXXX XXXX with XXXX XXXX  XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX pd XXXX conf # XXXX I have been calling these people because we pd these accounts to improve credit and I keep getting run around about it coming off credit report we are trying to improve credit to refinance our home this has been going on since XX/XX/XXXX and they just keep passing it on please help us XXXX XXXX XXXX or XXXX XXXX
Product: Student loan

In XX/XX/2010 I received a XXXX XXXX reward to pay for 60 % of my student loan debt in exchange for 2 years working w/ a XXXX XXXX XXXX. I completed my 2 years and applied for the 3rd year amendment which was an additional 25 % of the total debt for a total of 85 % to repay my student loans. XXXX rounded up to a starting balance of {$230000.00}. I received my reward money ( taxed income ) and paid SallieMae/Navient faithfully every month for 36 months to a tune of {$130000.00}. That should have erased my debt by that amount, but to date, the overall balance of both my federal and private loans is a little over {$220000.00} ... so after paying {$130000.00} in 3 years, my balance only reflects a {$9000.00} reduction in the overall debt. I've called to discuss this discrepancy and have not received a satisfactory answer. I feel that the government funds for which I was also taxed on, were misappropriated, thus leaving me w/ still higher payments. Please any help would be appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting proof of ownership. I did not sign off on this loan. This account was opened without my consent by my ex. I only found out it was in my name after legally separating. My ex missed a payments and later totaled the vehicle. I was left to settle and pay on the account off and legally go after my ex for the funds paid. I was forced to pay off this account because I was getting a mortgage. I have yet to recoup my funds and on top of that XXXX XXXX does not have the original documents signed in my name nor does it have records of the last payment I made to close the account on XX/XX/20. I have the receipt to prove I paid it yet they have no record on file when I call. Ive talked to various managers and always the same answer. They will not take this account off of my credit report even though I did not open it and they can not produce Proof of Ownership with my signature on it.
Product: Credit card

I made a payment on XX/XX/year> for {$XXXX} and It has cleared my bank accout. Their terms and conditions state if you make a payment online, see below MAKING PAYMENTS ON THE SITE. By entering your user ID and Password ( or other log-in information ) when accessing the XXXX, you authenticate yourself and confirm your agreement to the payment authorization contained in these Terms and Conditions. Your payment has to be scheduled by the due date on your Account in order for the payment to post on time, without a late fee ( if applicable ). If permitted, your payment may be scheduled in advance of your payment due date. Your Payment will be credited to your Account on the day when you make it, but may not be displayed on your Account for up to XXXX hours. Subject to our receipt of funds from your payment, your available credit ( if applicable to your Account ) will be updated within XXXX business days of the Payment Date. If permitted, you may use the Site to cancel any future scheduled payments. 

They told me that my available credit will not be released until XXXX XX/XX/year> even though they show that its posted to my account and its come out of my bank account which is a breach of contract. 

Every payment that Ive made thats over {$XXXX} they put a hold on for XXXX to XXXX  days which I find completely unacceptable due to their as permitted in their terms and conditions. Im a little confused how once the system is received a payment and they show that it has cleared their system on a certain date which was the XXXX that my available credit is not available and theyre saying that it will not be available until the XXXX, which is completely against what theyre saying and their contract and I feel its a breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has not provided a response to my credit dispute for over 30 days it has been almost 60 days since my dispute was sent for the XXXX XXXX XXXX and XXXX XXXX XXXXn credit card and XXXX  car loan accounts.
Product: Checking or savings account

A check was stolen from a US Post Office, edited and cashed for a sum of {$8100.00}. The funds have been missing from my account since XXXX of 2022. I filed a claim with Chase Bank and they claim they cant do anything and its up to XXXX  XXXX XXXX to investigate and pay me back. I am out a lot of money and have had no luck getting this resolved. There must be a solution.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX TransUnion LLC XXXX XXXX 2000 XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Inaccurate Credit XXXX Dear XXXX XXXX XXXX XXXX XXXX am writing to formally dispute the accuracy of information reported on my credit reports regarding an account with Driveway Financial, account number XXXXXXXXXX. According to my records, this account is currently being reported as 120 days late for the months of XXXX  and XXXX. I believe this information is inaccurate and violates several provisions of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Under the FCRA, Section 602 ( a ) ( 1 ), consumers have the right to obtain accurate and complete information in their credit reports. The reporting of a charge-off account as 120 days late when it should not be is a direct violation of this provision. Additionally, Section 623 ( a ) ( 1 ) states that furnishers of information must not provide inaccurate information to consumer reporting agencies. As such, I request that you investigate this matter and remove or correct the inaccurate reporting. 

Furthermore, under FCRA Section 609 ( e ), I am entitled to request additional documentation supporting the accuracy of this reporting. If the creditor can not provide sufficient evidence that the account is accurately reported, I demand that this misinformation be removed from my credit report.

In addition to the FCRA, the FDCPA prohibits the furnishing of misleading information. Section 807 ( 2 ) ( A ) explicitly states that a debt collector may not indicate that a consumer owes any debt unless such a debt is made known to be owed. The reporting of this account as 120 days late may mislead potential creditors about my creditworthiness. 

I have attached supporting documents, including my credit report with the disputed account highlighted, and any relevant correspondence with the creditor. I request that you complete your investigation within the XXXX time frame mandated by the FCRA and provide me with a written response detailing the results of your investigation. 

Thank you for your attention to this matter. I look forward to your prompt response. 

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

I have some issues on my credit file that need addressed I have requested documentation from the following collections agencies : SANTANDER CONSUMER USA # XXXX Please delete the above accounts they are not accurate and unverified 609,611,623 FCRA violation
Product: Mortgage

My first mortgage and HELOC were originated in XX/XX/XXXX with XXXX ; later bought by XXXX. XXXX sold the first lien to XXXX and the second to Greentree. XXXX modified my XXXX lien soon after the purchase ; however, I can make no progress with Greentree in understanding why I was not offered the opportunity to modify the XXXX under HAMP 2MP. Also, I am unable to get clear answers from Greentree as to whether the HELOC is still a lien on my home or is now a personal debt. XXXX Greentree rep told me it is a XXXX lien to be recovered on sale of my residence, but XXXX told me the HELOC was written off. 

It has been very difficult to speak with a Greentree rep who has responsibility for my loan. The XXXX rep with whom I spoke was outright rude and very uncooperative. A couple months ago I called the HOPE Hotline to arrange a 3-way conversation with Greentree and HOPE, in an effort to get clear, honest answers about the status of my loan. To almost every question from the HOPE rep, the Greentree rep stated he could not provide answers and directed me to contact a different Greentree representative. This is puzzling as I expect all information about my loan would be available to any Greentree rep once they verified me as the borrower and entitled to the information. 

Recently I received a letter from Greentree offering a " Tax Time Settlement Opportunity '' settlement offer of {$100000.00} versus the full balance of {$140000.00} ; payment is due XXXX. I am in no position to come up with this payment. Should I have had an opportunity to discuss my financial situation with Greentree to help determine an affordable payoff? I am not convinced that Greentree genuinely wants to work with me. 

Based on the recent reports of the CFPB investigation and the Greentree settlement, it is clear that my experience with Greentree is not unique. As a result I decided to communicate my experience in dealing with Greentree.
Product: Debt collection

XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX  ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$710.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2017 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Credit reporting or other personal consumer reports

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 

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, credit repair services, or other personal consumer reports

XXXX XXXX XXXX # XXXX is reporting a debt I do not owe. This debt is old and I have already paid it off, it should no longer be reporting to my credit.