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

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I never recieved any notice of the debt and when I asked for verification it was never given they have also reported on my credit file that this account is verified by the Fair Debt collection Act which they have repeatedly violated and disregard by not giving me noticed to dispute and a copy of the original contract with my alledge signature.
Product: Mortgage

I have sent a payoff to my account in the amount of {$10000.00} to this company to payoff my loan. The payments came in two separate payments in which was taken out of the two different bank accounts overnight. SLS had it in their possession the next day. They would not apply the amount to my account. They placed it in unapplied funds for several days. I called on three separate occasions, on XX/XX/2021 I was told they will hold my funds for 30 days to make sure the funds will not be insufficient and it will be applied to the loan in 30 days because I did not send payoff in certified funds. I called again on XX/XX/2021, because the unapplied funds disappeared on my account, the rep I spoke to was named XXXX, he stated the funds are still there showing in unapplied funds, he said he will applied one of the payments in the amount of {$5800.00} to the account and apply to the principle and the other payment of {$4500.00} he will send back to the account it came out of because it needs to be sent in certified funds. He said this process will reflect on my account within 3 days. I waited and no change. I then called on XX/XX/2021 and spoke to XXXX, who advised me the unapplied funds are still sitting there and he will apply both payments on the account towards the principle, he advise it will take 5 business days for this to go through. None of the reps could provide a reference number nor documentation to what they are stating they were doing to my account. No changes have been made. I called again today XX/XX/2021, spoke to XXXX she now states the funds are being sent back to the accounts they were drafted from and it will now take 14 days for this process to be complete. She advise they are holding the funds. I am trying to pay this loan off and they will not apply my money that was sent to them. SLS have lied to me every time I have called to inquire on why my funds are sitting there in unapplied funds. I have advised them I will be contacting CFCB regarding this issue they were not concerned.
Product: Mortgage

I am writing this letter today, to inform you of an egregious error that appears on my credit report. Seterus INC is reporting that I have an active mortgage account with their company that is actively past due. The account number this account is listed under is XXXX. 

The Seterus INC ( XXXX ) account was included in a Chapter XXXX bankruptcy that was discharged on XXXX XXXX, XXXX. I am attaching a copy of my bankruptcy discharge letter, as well as section D of the filing documents, which lists the original name this account was under. 

The bankruptcy that resolved Seterus INC XXXX XXXX XXXX has already fallen off of my credit report due to time. This begs me to ask : If the bankruptcy that resolved the account has already been deleted, why is this account still reporting? The discharge of this bankruptcy would make the date of last activity in XXXX, which was eleven years ago ; so I am demanding that Seterus INC ( XXXX ) be removed from my credit file immediately. 

Worst case scenario, if the Seterus INC ( XXXX ) account does remain on my credit report, I would at least ask that accurate information be reported about this account. It should report at resolved through bankruptcy in XXXX, and should report absolutely no delinquent pay history after XXXX of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Caliber Home Loans numerous times about this issue. I Filed Chapter XXXX And it was converted to a Chapter XXXX. On my Credit Reports, Caliber Home loans refuses to show the account as included  in Bankruptcy. This is damaging my score as they are in clear Violation of the FCRA and the Bankruptcy Code. I received my Chapter XXXX discharge on XX/XX/2020. This is ridiculous that I can not move past this mortgage company.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

From XXXX until today XX/XX/XXXX and I've called and written by mail and requested all contracts with wet ink signatures between XXXX XXXX XXXX XXXX XXXX and all account statement for the alleged account that I have with XXXX XXXX. They've failed to produce and now have went so far as to harass me via a debt collection attorney who has my nonpublic information without my permission or consent. XXXXXXXX XXXX XXXX XXXX XXXX XXXX has opened up a court case in XXXX XXXX court that I do not live in and are tarnishing my name and character via the courts system. They had an address on file in XXXX XXXX XXXX and I never personally gave them this address stating that it was my own. XXXX XXXX sends me mail that says XXXX XXXX XXXX and I do not have any contracts with them either. This has caused mental and emotional pain to my life.
Product: Credit reporting or other personal consumer reports

After conducting an investigation on my credit report, I discovered several unverifiable, invalidated, inaccurate, and questionable items. Despite bringing these issues to your attention, your agency failed to rectify them, causing significant distress and anxiety. 

Under the Fair Credit Reporting Act, it is imperative that all information on my credit report is reported accurately and in accordance with the law. However, these accounts are in clear violation of Sections 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( XXXX ), as they continue to be reported incorrectly. 

I have attached copies of all correspondence sent regarding this matter for your reference. I urge your agency to take immediate action to ensure that my credit report reflects XXXX XXXX accurate information, as mandated by law.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX, Transunion, and XXXX has failed to fulfill there legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of disputes outcomes. These failures align with my experience, where XXXX, Transunion, and XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX, Transunion, and XXXX inaction violates federal law and my rights as a consumer.
Product: Checking or savings account

1. TCF Bank did not let me close my account, they instead requested me to go to the original branch in a different state in order to close it, which is unreasonable. I originally contacted them around 6 months ago. 

2. TCF continued charging my account a monthly fee for inactivity with the intent to deduct my entire balance. Inactivity charges were not present when I originally signed up to the account, the policy changed without my approval. 

3. When I tried to withdraw funds electronically by adding my account to XXXX, TCF put my account into dormant status, which made it impossible for me to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer reporting agencies reporting late payments when in fact I was never late on account, Ive never received a letter XXXX  days prior from due date saying I owe such on such date, Account XXXX  XXXX XXXX, XX/XX/XXXX XXXX XXXX Also Ive never authorized/ sent written consent for late payments to be reporting in my account which is an invasion on my privacy and defamation. How can consumer reporting agencies report something I never authorized and something that is inaccurate. This is defamation they are trying to ruin my reputation with other companies which can damage me emotionally and financially. If I decide to apply for something and companies see I have late payments this will be a major red flag for them to want to approve me for anything, I will be denied for something that is inaccurate and without my consent which is against the law.
Product: Credit reporting or other personal consumer reports

I did not consent, nor benefit from, nor authorize the following account ; XXXX {$23000.00}
Product: Mortgage

COMPLAINT : BANK OF AMERICA HAS FAILED TO APPLY PAY-OFF FUNDS TO MORTGAGE. On XXXX XXXX, we contacted Bank of America with an intention to pay off a mortgage on a home owned jointly by XXXX parties. XXXX parties were on the phone call to receive the specific instructions and we repeated the instructions for pay-off back to the Bank of America employee. We wired the pay-off amount of {$49000.00} on XXXX/XXXX/15. As of today, XXXX/XXXX/15, the funds have not been applied and Bank of America has provided the following explanations/evasions to our phone calls : B of A on XXXX/XXXX/15 : " I do n't see any payments applied. '' B of A on XXXX/XXXX/15 : " I have located wire transfer and will add a note to tell them to process it. Funds will take XXXX five business days to be applied. '' B of A on XXXX/XXXX/15 - first phone call : " You did not include loan number on wire so it was returned. '' ( We explained that the funds were not returned and no communication had been received that there was a problem with the wire transfer. ) B of A on XXXX/XXXX/15 - second phone call : " I located the funds and will reapply ''. B of A on XXXX/XXXX/15 - third phone call : " The funds were approved to be returned on the XXXX. I can not locate the funds. I will call Tuesday to see if you received the returned funds. I will continue looking for the funds today. '' We feel these specious excuses are unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2000.00} XXXX XXXX Balance : {$1500.00} XXXX XXXX Balance : {$1500.00} XXXX XXXX  XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was stolen unknow to my knowledge it was being used to take credit card debts and all other sorts of credits that went unpaid, and become collections that caused my credit rating to be driven down to the low and lower, not until i look check my credit to find why i was getting denied i realized the ongoing collection accounts. 
I am hoping doing this i can get some help to get my credit rating up.
Product: Credit card or prepaid card

On XX/XX/2020 I mailed 2 separate checks to USAA Savings Bank : a {$70.00} check for payment on one credit card and an {$80.00} check for payment on another credit card. These 2 checks total {$150.00}. The bank erroneously applied {$150.00} to one of the credit cards. The bank negligently did not apply the {$80.00} to the other credit card.
Product: Credit card

On XX/XX/24, I called to speak with Synchrony Bank about my PayPal Mastercard account regarding inaccuracies in their billing documentation. Specifically, I received several emails with statement amounts, minimum payment due, and due dates but those notices did not reflect the actual payment amount required. ( Emails are attached ) This caused late fees to be incurred as well as reporting to the credit bureaus that I was late in making payments which was actually not true. I paid in accordance with the information provided on the attached email documentation. 

I spoke with various individuals ( most notably someone named XXXX, and someone named XXXX ) both of whom indicated that they could not remove the late fees that were only a result of not having paid enough, not because the payment was late. 

I paid amounts that were well over what was listed on the emails that were sent. If the verbiage on the email notice had any indication that the amounts listed may be inaccurate or similar, that would be one thing, but I signed up for electronic billing. I thought this is what that was and paid accordingly. This appears to be very deceptive in terms of their business practices, first, by sending me misleading account information, and second by not having policies and protocols to address when their own systems have not done right by the customer.
Product: Debt collection

I am a consumer entitled to consumer protection. Capital One Bank USA has failed to validate their false claim of an alleged debt pursuant to 15 usc 1692g. I have no account with you, nor have I ever. Since you saw fit to place this item on my credit report, you obviously have all the information you need in order to investigate and correct your error. Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. Be advised that I am NOT requesting a " verification '' that you have my mailing address, I am requesting a " validation ; '' that is, competent evidence that I have some contractual obligation to pay you. Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all telephone collection. I require compliance with the terms and conditions of this letter within 30 days, or a complete withdrawal, in writing, of any claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with appropriate County, State & Federal authorities XXXX the XXXX and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on fraudulent extortion. I also hereby reserve my right to take private civil action against you to recover damages.
Product: Checking or savings account

I have had my XXXX account for a couple years now I mobile deposit my paycheck every other month give or take I try to deposit XX/XX/2023 ingo or fXXXX XXXX XXXX refused to cash and there reply was this account appears to be in active so we are going to leave it
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 
I looked at my transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( eXb ).

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be venfied, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modity that item of information, as appropriate, based on the results of the reinvestigation ; and prompty notry the furster of trat iorayor that the alomaton nas been moomed or deleted from the file of the consumer. 
and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the XXXX credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXXXX/XX/XXXX, under the account number ( XXXX ), a charge account opened at XXXX on XX/XX/XXXX, under the account number ( XXXX ), and a charge account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
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 effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress of ( 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 effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redres for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX account # 's XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX have all violated my rights. 

15 USC 1681 section 201 : States I have the right to privacy.

15 USC 1681 Section 604 A section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c ( a ) ( 5 ) States : no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate