23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

Hello my name is XXXX XXXX I have been filling out loan applications due to a hurricane that has hit XXXX Texas I am new to filling out loans online an I had someone call me due to an application i put on line. They asked for my online banking information I did not know I was not suppose to give that to them they said they were going to send me insurance money then deposit the loan i was very skeptical so I hung up An changed my online banking an I am going in the bank to change all my accounts as well but they have a copy of my drivers license and I am very worried they will commit fraud in my name please is there any help you can give me I do not want any crimes being committed with fraud in my name. The company is Eloan finance their numbers are XXXX area codes.
Product: Debt collection

I contacted Wells Fargo to pay my debt and requested a letter showing that I paid my debt. I received the letter from Wells Fargo but the wording on the letter does NOT clarify that my debt is paid in full and that there is a XXXX balance on my account. The letter states that " Upon receipt of valid funds we would update our records to indicate the account is settle ''. I've call several times requesting a letter clarifying that my debt is settle in full but the representatives keep rejecting my request, I've ask to speak to a supervisor and the reps tell me he is at lunch and on another call I made they said the supervisor had to " leave early '' and that he would return my call at a later time. This is not to much to ask for a simple letter stating that my account is settle in full, I don't understand why they are giving me such a hard time. I'm in the process of buying a house and I need this documents asap this is time sensitive. Thank You!!!!
Product: Checking or savings account

I canceled the checking account created through US bank on XXXX by phone, but I still haven't received the remaining balance that was supposed to come in 10 business days. All the phone counselors only said they would call me to check again, and repeatedly said that the check was issued but not sent. No one called me back. When I visited the branch, I was informed that I could only consult by phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was alerted in XXXX or XXXX that a private student loan was taken out by an individual XXXX XXXX. XXXX used my information without my consent, and listed me as a co-signer for the private loan. As a XXXX XXXX XXXX we were told that re-payment of the loan will occur after graduation. I was notified of paying for a loan which was improper and I was then informed that I was the secondary holder for the loan. During this time, XXXX XXXX was the lender. I made the proper steps by filing a report and sending the information to the lender. 
On XX/XX/XXXX, I was notified that the loan payments were late. I spoke with the representative who opened another investigation. On XX/XX/XXXX, my credit score decreased by XXXX points. I was under the impression that XXXX will file a report or investigation, however, it was reported to all XXXX credit bureaus which drastically affected my credit. 
I have filed a complaint with the FTC, previously placed identity fraud of my social to avoid theft in the future.
Product: Debt collection

I am writing to formally request the removal of a debt from my credit report due to the failure of XXXX XXXX XXXXXXXX XXXX XXXX to comply with the provisions of Law 1006.34. This law protects consumers by establishing specific guidelines for debt collection practices and granting consumers certain rights and remedies. After thorough review of my credit report, I have discovered that an invalid debt is listed on my account. The debt in question is associated with XXXX XXXX XXXXXXXX XXXX. Pursuant to Law 1006.34, debt collectors are required to validate a debt upon request within a specified timeframe. Failure to provide proper validation or demonstrate that the debt is valid and enforceable renders the debt invalid and unenforceable, as well as necessitates its removal from the consumer 's credit report. This company has failed to respond within the specified timeframe or provide any evidence validating the debt. I kindly request that you remove the invalid debt from my credit report immediately. It is important to note that any negative reporting or reference to this invalid debt on my credit history is inaccurate and unjustifiable. I trust that you will handle this matter with utmost diligence and in accordance with the laws governing credit reporting. Thank you for your attention to this matter and for upholding the consumer rights. I look forward to a swift resolution. Sincerely, XXXX XXXX
Product: Credit card

Subject : Complaint Against Barclays Bank for Mishandling Dispute and Poor Customer Service Dear Sir/Madam, I am filing a formal complaint against Barclays Bank US ( Barclays Bank Delaware ) for its failure to properly handle a fraudulent transaction dispute and for the poor treatment I received from its investigation department. 

On XX/XX/year>, a charge of {$170.00} appeared on my Barclays credit card for a product that I never received. I attempted to contact the merchant using the phone number provided with the transaction, but no one ever answered my calls. This raises serious concerns that the charge may be linked to a scam or fraudulent business. 

I immediately contacted Barclays to dispute this charge. However, despite calling the bank more than XXXX times, I have not received any resolution. Each time, an agent assured me that my case was under review and that I would receive a follow-up call, yet no one ever contacted me as promised. When I finally spoke with the banks investigation department, I was met with disrespectful and dismissive behavior, rather than assistance. Instead of conducting a fair investigation, Barclays has refused to acknowledge my concerns and has failed to take any meaningful action to resolve my dispute. 

Due to Barclays ' negligence and failure to protect consumers, I am requesting that your agency investigate this matter and take action to ensure that : Barclays properly investigates my dispute and reverses the fraudulent charge in accordance with federal consumer protection laws. 

The banks representatives are held accountable for their unprofessional and disrespectful behavior toward customers. 

Barclays is required to improve its dispute resolution process to prevent similar incidents from happening to other consumers. 

I request a prompt review of my case and would appreciate any updates on how your agency plans to proceed. Please confirm receipt of this complaint and inform me of any additional steps I need to take. 

Thank you for your time and assistance. 

Sincerely,
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cashapp ( block, inc.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 effective measurement to prevent and address fraud on their platform leaving my account vulnerable and unprotected
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). 

Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case.

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX TransUnion XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXX v. TransUnion LLC ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 
XXXX XXXX XXXX, XXXX XXXX XXXX & XXXX OF XXXX XXXX
Product: Credit reporting or other personal consumer reports

I do not think it is fair credit reporting when an account is PAID IN FULL that the credit history of the long term loans such as housing loans, auto loans or personal loans disappear from the credit report which changes the average length of established credit. Consumers should be rewarded with a XXXX years of perfect payments rather than the loan disappearing and tanking the credit score due to the loan being PAID. Why should 20+ years of payments disappear and the average of established suddenly go down to less than 5 years. This is not correct and affects so many consumers that work hard to pay their bills on time. When the loan is paid the established credit length should stay and not disappear. I dont know who needs to fix this or how it can be addressed but it is harming consumers with well established loans and credit.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX XXXX I contact Revolut regarding my existing account, which has been active for almost 2 years. I contacted them to inquire about raising my transfer limit in order to send a substantial sum of money to my XXXX bank account to facilitate a home purchase. Revolut asked that I verify my identity, twice, by sending passport photos and a photo of my face through their verification portal. I did so, twice, as asked. Revolut said that they could not verify my identity despite no changes in my appearance between the passport photo and myself. Subsequently, Revolut froze my account, locking up the {$900.00} I already had deposited there indefinitely. Despite assurances that this would be resolved within an hour, it has not after many hours. Customer service has been completely unhelpful and can not explain why my account, despite being active previously without the new identification steps, has been frozen nor why they are unable to identify me. They refuse to escalate the issue to anybody and are simply refusing to return my funds.
Product: Mortgage

I presented a loan application for a Equity line of credit against an investment property, after I interviewed with XXXX XXXX, in Regions Bank I have been banking with then about 5 years or more, and he told me I should be able to qualify without problem after he reviewed all my documentation. I made {$110000.00} yearly, I have been in the same job for 3 years, in the same line of work since 2001, the house is free and clear and they will have XXXX lien position. 
I have a credit score of XXXX according to credit report they pulled from XXXX, they told me the score required for qualification was XXXX but they still denied me because they said their " custom credit score is only XXXX!!!!
Product: Debt collection

I the consumer did not consent to, benefit from, or authorize the Capital One Auto Finance Account. Capital One Auto Finance is in breach of my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Improper use of credit reporting; Credit ran without consent.

Creditors Name:

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

I sent certified mail, return receipt to XXXX, EQUIFAX and XXXX XXXX requesting investigation on several items and that they send me copies of all information related to each item to include documents with my signature on them.All I received was a notice on the website for each one saying they verified each one as accurate.I did not receive the requested documents as proof that I owed any item and therefore they failed to complete my request and send me they method of gathering information, the requested documents with my signature on them and any documents they had on file to include the name, address and phone number of each person they contacted to verify the information was correct as I requested.
Product: Credit card or prepaid card

A temporary vet took unauthorized X-rays of my dog, then never sent them to my 'usual ' vet or myself. They wouldn't let me leave with my dog until they were paid. I disputed the charge with Capital One, gave them all the info they requested, then they denied it and asked for completely ridiculous information : " A second opinion on company letterhead from another merchant in the same field that states how the service was defective or did not match the description of your sales invoice. '' My vet and another vet both said they would have to charge me to provide anything on a letterhead. If Capital One needed this information, then they should have gotten it themselves. 
Capital one ruled against me and closed the dispute and refused to reopen it. 
I refused to pay the disputed amount, closed my account of 10 years with Capital One, and now they email me daily with no way to make them stop.
Product: Mortgage

Issues over payment amount resulted in forclosre. I was not aware of amount to pay after it was changed by Servicer. Attemtps to clarify failed. My payments were rejected when OCWEN could have clarified my understanding of how much to pay since they rejected it. I did not know the payment amount until today.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022, I was notified by XXXX XXXX that beginning XX/XX/2022 my mortgage loan servicer would be Shell Point. Per the letter notification I began making remitting my payment to Shell Point. 

I recently pulled my credit report and Shell Point is report mortgage late payments for the months of XXXX, XXXX and XX/XX/2022. This is a RESPA Violation, as my payment was not late. 

I am refinancing my loan and have been denied due to Shell Points erroneous credit reporting. I have reach out to Shell Point requesting a letter that I was not late. I also requested then to correct the error with the three Credit Bureaus. I have not received any response for Shell Point. 

The situation is adversely affecting my ability to refinance my mortgage loan. 

Thank you, XXXX XXXX XXXX
Product: Mortgage

I refinanced my mortgage in XXXX 2022. After closing, the mortgage was purchased by United Wholesale Mortgage. I have no Escrow account on this mortgage, as all taxes and insurances are paid in-full by me separate from the mortgage. 
On XX/XX/2022 I received an email from UWM at XXXX. that they had made a payment to an insurance company on my behalf When I logged into my account I saw that they created an escrow account on my mortgage account, and sent {$1200.00} payment to an ( unknown ) insurance company I never heard of. 
They did this without my knowledge or consent. My insurance policy was paid-in full BEFORE UWM bought my mortgage in XXXX 2022. AT NO TIME did UWM ever ask me to provide evidence of insurance ; in fact that was provided to them when they purchased the loan from the previous lender, as it was including in the title closing package as PAID IN FULL. 
I immediately contacted UWM asking why this happened? It took 3 days for them to respond, at which point they asked me to provide proof of my hazard policy which I did. I have done so, and am now trying to get this escrow account and {$1200.00} refunded. 
I received no apology or explanation as to why they did this, which leads me to believe it was a deliberate attempt to de-fraud me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to the bank to look at getting a loan to purchase a box truck and was denied. The branch Manager went over my credit with me and saw several things on there that is not mine XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX. I also saw some student loans on there and Im not sure how that is possible being that I didnt even grauduate from high school. Some of them ran my credit without me knowing XXXXXXXX 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. I have reached out to the FTC and the police here. I am doing this on my own and really need someone help with this.
Product: Credit reporting or other personal consumer reports

Section 611b of the Fair Credit Reporting Act ( FCRA ) entitles me to add a statement ( 100 words or less ) to my file since information I disputed on my report was not removed. I sent a certified mail letter with return receipt to Equifax demanding that they add my 100 word statement to my file. This letter with USPS tracking # XXXX was received by Equifax on XX/XX/2024 and included the identification documents Equifax requested of me previously in order to add the 100 word statement. However, despite receiving the required identification documents, Equifax did not acknowledge my letter, NOR did they publish my statement on my file. Instead they mailed a letter to me dated XX/XX/2024 requesting the same information again.
Product: Mortgage

Good Afternoon I have several mortgage payments with wells Fargo bank and I have requested several times that the unapplied money be applied to the principal but they do not comply with my request. I was hoping that you would be able to provide assistance to enforce my request. 

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

Date : XX/XX/XXXX2023 Experian XXXX XXXX. XXXX XXXX XXXX, TX XXXX To Whom It May Concern I am writing to update /correct the personal information on my file with your company. 
Please update my address to XXXX XXXX XXXX XXXX XXXX, XXXX MD XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only employer is XXXX XXXXXXXX XXXX 
I do not wish to have any telephone numbers listed on my report. 
Please remove all the other addresses from my report, as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. 
Sincerely, XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX, PA XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX GA
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

XXXX and LVNV Funding, is in violation of 15 USC 6801 & 6802 by reporting this account ( non-public information ) on my consumer credit report without my prior consent and/or authorization. XXXX XXXX XXXX  XXXX ( original creditor ) provided no inconspicuous " Opt-out '' or " Right to Rescind '' forms during or after the opening of account XXXXXXXX  as required by law in accordance with 15 USC 1635. XXXX, XXXX XXXX XXXX  XXXX, and LVNV Funding are in violation of 15 USC 1611 by willfully providing false and/or inaccurate information on my consumer credit report. As a result, I am harmed due to being denied full access to credit, which has created financial hardships for my family and I.
Product: Credit reporting, credit repair services, or other personal consumer reports

The summary of my present and past credit status including open and closed accounts and balance information is fraudulent. All three credit bureaus are reporting erroneous information. None of the information reported is correct. 
Total Accounts Reported - XXXX  ( 16 ) Experian ( 14 ) XXXX  ( 12 ) Open Accounts Reported - XXXX  ( 14 ) Experian ( 2 ) XXXX  ( 4 ) Closed Accounts Reported - XXXX  ( 2 ) Experian ( 12 ) XXXX  ( 8 ) Delinquent Accounts Reported - XXXX  ( 1 ) Experian ( 1 ) XXXX  ( 1 ) Derogatory Accounts Reported - XXXX  ( 12 ) Experian ( 11 ) XXXX  ( 8 ) Collections Accounts Reported - XXXX  ( 11 ) Experian ( 10 ) XXXX  ( 6 ) Balances Reported - XXXX  ( {$27000.00} ) Experian ( {$26000.00} ) XXXX  ( {$22000.00} ) Payments Reported - XXXX  ( {$38.00} ) Experian ( {$13.00} ) XXXX  ( {$38.00} ) Inquiries Reported - XXXX  ( 4 ) Experian ( 3 ) XXXX  ( 7 )
Product: Checking or savings account

I opened a new checking account with Citi and wired all my cash to them. 14 days later my funds, which they state are available, are under review and I am unable to access any of the funds. They are preventing any transfers. I have called customer service and spoken to 32 reps, spent 14 hours on the phone and went in person. I keep being told account will be in review for 24-48 hours, but its gone on for 14 days. I am now late on all my bills and I have no cash for food. They have stolen all of my liquid money with no explanation and no willingness to help me.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXXXXXX 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've been a victim of identity theft and a victim of the XXXX Data Breach. I have noticed some unauthorized accounts on my credit report that I have not benefited from. Also, I have oldstudent loans still showing up, even those that I have made payment arrangements with, that are hurting my scores tremendously. I need these NEGATIVE AND FRAUDULENT accounts removed IMMEDIATELY!