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

I reviewed my consumer reports and noticed that I had two late payments on the below accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the accounts that are listed below. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to on time as they should be as I was NEVER LATE. Thanks... 

If, any reinvestigation under paragraph ( XXXX ) of any information distributed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall... 

( XXXX ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the investigation ; and 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
Product: Checking or savings account

I recently got scammed and I quickly reported it to the bank I used for the transaction. They told me there was nothing they could do to help me and said I should trust the people I sent the money to which is weird for a bank to say to their customers. My money was never returned and they did not try to help me. They told me they werent able to do anything.
Product: Credit reporting or other personal consumer reports

RE : XXXX Block Request To whom it may concern, I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. 

Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit card

On XX/XX/2023 I submitted a dispute against Wyndham XXXX XXXX for XXXX to my Barclays wyndham card. On XX/XX/2023 I received a letter saying the dispute was closed. Their reason : they never received documents from me. I never received any type of communication regarding them needing any further documents. Nor to date I still have no knowledge of what they were or are requesting. They have refused to reopen the case. They have refused to send me a letter letting me know what they need. I believe they have no intention on investigating my dispute with the company because they are both Wyndham.
Product: Debt collection

All this information is included in cfpb case # XXXX with the exception of the information about the flawed court summons. Supposedly my wife was served back in XXXX, however I was not, nor have I ever been married. I never received any of this paperwork let alone any phone calls or mail regarding this debt collection. The resolution according to XXXX XXXX on behalf of Midland funding was they were going to stop the garnishment as of last Monday. However days later I still had my wages unjustly garnished and this remains to this day.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute inaccurate information that appears on my credit report maintained by XXXX. Pursuant to 15 U.S.C. 1681o, which holds credit reporting agencies and furnishers liable for negligent noncompliance with the Fair Credit Reporting Act ( FCRA ), I am requesting immediate correction of the following erroneous data. 



Disputed Information : Account Name : CAPITAL ONE, XXXX XXXX Inaccuracy : Account does not belong to me Correct Information : Account does not belong to me I have attached copies of relevant documents that support my claim. 


Under 15 U.S.C. 1681i, credit reporting agencies must investigate disputes within 30 days and correct or delete any inaccurate, incomplete, or unverifiable information. Furthermore, failure to comply with the FCRA due to negligence makes the responsible party liable for damages under 15 U.S.C. 1681o, including any financial harm I have suffered as a result of this error. 



If the disputed information is not corrected within the legally mandated timeframe, I will pursue further legal remedies, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking damages in civil court. 



I request a written response confirming the resolution of this dispute. You may contact me at the address or phone number listed on my file or contact me for a better contact.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Pa XX/XX/XXXX XXXX Collection Agency Name : XXXX XXXX XXXX  Collection Agency Address : XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Account Number : XXXX XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX ), In accordance with 15 USC 1692g, I, XXXX XXXX, a consumer, am notifying you that I dispute this alleged debt. I ASK THAT YOU SEND ME VERIFICATION OF THIS ALLEGED DEBT. PROOF THAT THIS ALLEGED DEBT BELONGS TO ME, A FORMAL DECLARATION IN WHICH YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE, AND MUST BE NOTARIZED, ARE REQUIRED FOR VERIFICATION. The Fair Debt Collection Practices Act requires you to stop collecting on this purported debt since it is being disputed, and this includes reporting to XXXX, TransUnion, and XXXX about it. I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. You are in non-compliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act for sharing my nonpublic personal information to nonaffiliated third parties and not providing me a notice that complies with section 6803 and giving me the opportunity to opt out pursuant to 15 USC 6802. I request that you provide me the " Aggravated Value of Purchase '' document, which details the price you paid for this loan. ANY ATTEMPT BY YOU TO COLLECT MORE THAN WHAT YOU PAID FOR THIS DEBT IS A MATERIAL MISREPRESENTATION, FRAUD ON THE COURT, AND FALSE & MISLEADING. A WARNING IS BELOW! YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES DISTRICT COURT. Please be advised that if you fail to respond to this dispute within 30 days, I will be forced to escalate this matter and take appropriate legal action. I also reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) if you do not comply with my request. Sincerely, XXXX XXXX
Product: Mortgage

I need help with the Insurance issues that Wells Fargo keeps stating they have the policies and then they do not. I need my escrow adjusted according to my ins being correct and the policies cancelled that I was told was already done and now told it is not. I continue to have policies paid from my escrow and one day they have my XXXX XXXX XXXX and XXXX and next time they do not. I need someone to look at my escrow and adjust my pmt too. I can not keep paying premiums I do not need and my payment going up. I need someone to care and help me
Product: Debt collection

I had an Personal line of credit account with my stepdad ( XXXX XXXX ) through Wells Fargo Financial. Unfortunately, we fell behind and the account went to collections. ( We acknowledge it fell behind ). The account was then sold to the XXXX XXXX XXXX XXXX XXXX XXXX and in XXXX XXXX, XXXX through XXXX XXXX, XXXX paid a total of {$2200.00}. I spoke to collector named XXXX XXXX who set up a settlement with that office for {$.00}. I also spoke to a supervisor named XXXX after I discovered this same collector had authorized payments on my bank account ( with checks that I did NOT authorize ) and this supervisor XXXX assured me that the debt would be settled out WITH NO MORE PAYMENTS DUE. He said " At this point, we will just settle this out '' and returned the {$200.00} that was unauthorized from my account. If the account was not settled out, WHY would they authorize the return of my funds? I ask that you pull the conversation of phone calls that detail this. 

At this time, I have been notified by the Law Firm of XXXX XXXX ( phone number XXXX ) that they bought the debt and are requesting I settle pay a balance of {$2900.00}. I have spoken to a supervisor named XXXX ( on XXXX/XXXX/XXXX ) who even acknowledges in the conversation i had with her based on the review of notes " I do n't understand why they did n't just settle this out ''. 

I do n't understand how a debt i settled with the attorney 's office can be now owned by a different office when i clearly paid it in full PER that attorney 's office.There is clearly deceptive practices for predatory collection here.
Product: Credit reporting, credit repair services, or other personal consumer reports

The problem I'm having is 16 hard credit inquiries in just over a years time. I have very good reason to believe my identity was stolen although never noticed being my credit score has been on the low end for quite a while. But the hard inquiries are as follows : XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX Chase - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX This is absolutely ridiculous!
Product: Debt collection

Kohl 's department store calls twice a day 7 days a week from a debt that is over XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Date of fraud was XX/XX/XXXX. It is for a loan from XXXX XXXX for some type of security system. Address attached to this is XXXX XXXX XXXXXXXX XXXX XXXXXXXX IN, XXXX and I have never ever been there before nor lived there. The loan amount is {$3300.00} Balance Updated XX/XX/XXXX Recent Payment - Monthly Payment - Credit Limit {$3400.00} Highest Balance {$3500.00} Terms - On Record Until XX/XX/XXXXXXXX XXXX
Product: Checking or savings account

We deposited a certified bank check into our business checking account at Webster bank XXXX XXXX XXXX XXXX, XXXX on Friday, XX/XX/2024. The teller, XXXX, told us that the funds would be available on Tuesday, XX/XX/2024. We Called the bank on Wednesday, XX/XX/2024, and spoke to XXXX. XXXX told us that the funds would be held for XXXX days since it is a new account. This was a certified funds bank check. As of the current date, we still do not have access to our funds in our business account. When we opened the account, we were told that deposits would be available in XXXX business days. We would not have opened the account if we knew we would not be able to access the funds. We are running a business and can not pay our business expenses due to the bank not releasing funds on a certified check. The bank misled us when opening the account and when making the deposit, and it is now affecting our business operations. We have not been able to get anywhere with the bank, as they have not been of any help whatsoever.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block.Inc ) due to inadequate customer service and unfair practices, which violates 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.
Product: Bank account or service

Hi, My name is XXXX XXXX, I have an account with XXXX XXXX XXXX XXXX. I have been disputing with them because on NUMEROUS Fees which I was never made aware of nor are they written any where. About 2 months ago I went through some financial hardship and my account Overdrew. I became very busy looking for a new job and did n't when until I began getting statements and constants calls from Chexsystems about owing them more than {$1000.00}. Whem I looked at my statements I was being charged redicoulus fees. I was allowed to continue using my card and for example, I spent {$1.00} in parking and they charged me {$180.00} as an over Draft fee and like that many more. I never agreed to such Bullying. Now I cant open an account in any other bank ( I have the letter ), my credit is being affected. I have to do everything in cash, which is almost impossible in this era, They are ruining me and bulling me by reporting me to such an agency and paralyzing my life financially. I am trying to buy a car to take my kids to school and me to work and I cant. I have been on public transportation due to this mess. I need this removed from my consumer report and resolve this issue immediately. Please Help Me. XXXX XXXX
Product: Mortgage

Flagstar Bank has taken so long to fulfill each step of the process in my short sale, that I have been in short sale for more than 15 months, have lost XXXX buyers ( the last buyer in XXXX XXXX ) after Flagstar refused to respond to my Short Sale Team at XXXX XXXX XXXX. Arizona for mroe than FOUR months. I have now been sued by my HOAs attorneys and have received a letter of intent to wage garnish, while I struggle to keep the electricity on, deal with medical testing, and to keep up a house I can not sell because of Flagstar 's Negligence. Also, XX/XX/XXXX, before I put my house up for sale, Flagstar REFUSED through the loss of my paperwork three times, to allow me to obtain a Workout for my mortgage, so I applied for HUD assistance and obtained it. However, I failed to be able to regain my footing in the job market fast enough, had to work odd jobs etc. and finally took a job paying XXXX % of what I made when I bought my home in XX/XX/XXXX. I came out of the HUD program in XXXX XXXX when I put my house on the market and sold it XXXX times, each time losing the buyer because of Flagstar Bank, despite my having XXXX Real Estate advocates who have a phenomenal track record in processing short sales here in XXXX Arizona. I did not find out about CFPBs action against Flagstar XX/XX/XXXX until this week, but it seems I fall into this category of consumers, as well. I am now being threatened with wag garnishment because the XXXX Lien Holder 's ( my HOA ) attorney is no longer honoring the agreement they signed to receive their payment at the closing of my house. Of course, if Flagstar Bank continues to force me out of short sale, there is no way my HOA can get their money owed. I also lost my Hazard insurance DURING the short sale because Flagstar, who pays the insurance out of my mortgage illegally informed my insurance company ( XXXX Underwriters who are contracted by XXXX ) that my home was in short sale. XXXX INVENTED a problem with my paperwork, lost said paperwork for a claim filed more than 2 years previously with my roof damage, and claimed I never sent them paperwork and photos, even though they approved the claim and paid me ( and then they later RENEWED my insurance without a problem -- why would they renew my insurance again if there was a problem 2 years before? ) So the this required Flagstar Bank to buy insurance they claim cost them {$3000.00} per year to cover my house during the short sale, which is added onto the closing costs, thereby reducing the HOAs and HUDs cuts further. Add to this Flagstar Bank 's refusal to cooperate with my Real Estate Team and processors, and you have the consumer taking the brunt of the Bank 's negligence after 15 months of short sale. I have no money for a lawyer at this point and wage garnishment will mean not being able to keep my utilities on. I live in a rural area and am barely able to afford to keep my XXXX year old vehicle on the road. Please assist me and let me know what I can do to stop the actions against me resulting from Flagstar Bank 's refusal to work with my Real Estate Team during the last XXXX offers on my house. Thank you.
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. 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$340.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$470.00} XXXX XXXX XXXX XXXX Balance Owed : {$250.00} XXXX & XXXX XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXXXXXX XXXX XXXX Balance Owed : {$220.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$630.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

When I initially took out my loan with Wells Fargo Home Mortgage, I was told that PMI would be assessed to the loan until I reach an 80/20 ratio on the loan. XXXX refinanced {$130000.00}, by the time the assessed the absorbent closing fee the loan amount was {$140000.00}, to which they assessed PMI. I have reached out to Wells Fargo Home Mortgage many times over the life of the loan to get them to remove the PMI, to which they have denied me. I have never been late on a payment, and I am in good standing with my loan, in fact I am on task to pay the loan off early. My current balance on the loan is {$33000.00}. I have asked Wells Fargo Home Mortgage to provide documentation that expletively states that PMI would be assessed for the life of the loan.
Product: Credit reporting or other personal consumer reports

This communication is in reference to my LexisNexis XXXX Report dated XX/XX/2023, Consumer Number XXXX, Case Number XXXX. This communication shall serve as notice to LexisNexis that my LexisNexis XXXX Report contains numerous inaccuracies. Additionally, this communication shall serve as my formal written request for LexisNexis to remove the inaccuracies that I have identified in my LexisNexis XXXX Report. The items in dispute are the Incorrect Aliases that LexisNexis XXXX is reporting on my report LexisNexis XXXX Report. This is my third notice to LexisNexis regarding the incorrect aliases that they are reporting on my LexisNexis XXXX Report. This information is inaccurate because I have NEVER been known by these names and I have NEVER been associated with these names. I kindly request that LexisNexis promptly rectify the inaccuracies that I have identified in my LexisNexis XXXX Report.
Product: Money transfers

I bought something virtual over the internet and paid via paypal gift. The person said he sent it and disappeared.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've previously disputed inaccurate accounts with Equifax via USPS Certified Mail. While some items were corrected some items still remain inaccurate. I disputed my accounts in good standing because they aren't reported accurately as they should be on a monthly payment frequency. Equifax does not record any of my payments in the historical payment data pattern history on any of my revolving and installment accounts. Equifax records in the comments of my revolving accounts " amount in H/C column is credit limit '', Equifax also reports {$0.00} for H/C amount. This is inaccurate reporting and is damaging to my credit score and report .... Because the comment " amount in H/C column is credit limit '' is found on all my revolving accounts, I will say that this is done blatantly by Equifax credit reporting agency..this is unlawful reporting ... Upon investigation of my dispute directly to Equifax, Equifax credit reporting agency still reports the same inaccurate information for the following revolving accounts. XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX  ( Both XXXX  XXXX Accounts )
Product: Payday loan

This is the third complaint that I have submitted to Comsumer Dinancial protection Bureau for the last 2 weeks and I keep receiving responses that you are unable find this company. NetCredit I need to make managable payments I had an unexpectes emergency and they are taking all of my biweekly pay the company will not work with me.This company is NC Financial Solutions XXXX dba NetCredit regulated by Utah XXXX XXXX XXXX XXXX XXXX this loan isat 98.9 % interest
Product: Debt collection

I received a phone call in regards to this debt. This debt is a fraudulent activity that occur 23 years ago. I refuse to pay for something that I did do.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

I applied for a Bank of America Credit Card in 2004. I had a {$2500.00} limit. I was laid off and also was XXXX could n't work. I could not afford to make payments. Bank of America sold the debt to XXXX XXXX XXXX. I never knew I had a judgment on my credit report until they contacted my employer to garnish my wages 6+ years after the judgment was filed. XXXX, XXXX XXXX XXXX, XXXX is now handling the collection. The {$2500.00} now is over {$12000.00}. I have the judgment, garnishment paperwork, and a fact sheet to attach for a better understanding of what has taken place.