23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

**This is a formal complaint about inaccurate information being reported on my credit report. Under law, a credit reporting agency must take action to verify information submitted as inaccurate. And verification must be submitted to me and I have NOT received any verification.   I believe the following information to be inaccurate.    1.CREDITOR N AME - Bridgecrest. - Account type- automobile.   **i am disputing this account for inaccurate information. The last report date of the account was  XXXX   XXXX  so there 's no excuse as to why this accounts displaying inaccurate information.     I am attaching proof that this account has received some form of payment after the date reported for last payment received. They are aware of my financial problems and how I lost my job and agreed to work with me.The monthly payment is also reported  WRONGLY. My payments are (  twice a month ) for {$220.00} totaling {$440.00} NOT {$480.00} as   Bridgecrest falsifies.
The above listed creditor reported different dates for each Bureau, which all are INACCURATE. So this creditor has reported incorrect information to   all  XXXX  bureaus, which is damaging my score with each. I can provide ANY proof that all  XXXX  reports have different information on the areas that I have pointed out. When seeing such inaccuracies, I am to believe the creditor does n't care how this affects my credit and my future success. I am in the process of fixing all and any mistakes. PLEASE I 'm requesting REMOVAL of this account, as it is actually in fact in violation of the Fair Credit Reporting Act. I want a full removal/deletion as it is harming my credit.   Thank you kindly, **  XXXX    XXXX   XXXX   XXXX  Creditor :   XXXX   XXXX   XXXX   XXXX   XXXX . Balance : {$1600.00}. The original Creditor was supposed to disregard all charges including the transfer to collections. Military proof was provided before my departure but apparently the account was still turned to collections. I have provided documentation of military proof. FEDERAL LAW allows Termination of any lease. Federal law,  50 U.S.C. App. section 535,  known as  Servicemember Civil Relief Act ( SCRA ).  I 'm requesting FULL DELETION OF THIS ACCOUNT. The original creditor also went against federal law because I am military personnel so I should n't be held accountable if I was o n orders.  XXXX  I trust that you will resolve this issue. Again no verification has been sent to me about the status. I just do n't understand why they would try to be so sneaky, as a member of the  XXXX  I did n't expect this at all.   Please help me as I am trying to redeem myself and work on my credit. And fix anything that should be fixed. I want to see myself as a home owner in the future and also   XXXX   military Thank you and I look forward to any information reguarding my issues as I 've disputed and have gotten no where.     I can provide any further info if need be. And also if you need the following payment and dates for  Bridgecrest I  can provide that as well
Product: Mortgage

On XX/XX/2016 I refinanced my SunTrust Mortgage and replaced it with The XXXX XXXX XXXX XXXX. Once XX/XX/2016 hit, the refinance was settled and SunTrust received all of the necessary funds and more to close out my mortgage with SunTrust. I actually received a written note from SunTrust attached here that proves that THEY received the payment to close out their loan and then send me back the additional overpayments ( of course that still has not been received but that is not the key issue at hand ). BUT THE ISSUE is that they still have a lien on my house and wo n't remove that from the county. This is highly offensive because I can not get a home equity line of credit until that lien is removed. What legally can we do to force SunTrust to remove the lien because they claim that they can hold me hostage for 90 days when you will clearly see that they already confirmed that my entire loan was paid off from their email sent almost two weeks ago. Looking forward to learning what pressure you can put on SunTrust so that my new HELOC application with another lender can be processed since I am being held hostage while SunTrust refuses to remove their lien. THIS IS THEIR CONFIRMATION THAT THE ORIGINAL MORTGAGE WAS PAID OFF IN FULL ... ... ... Payoff Processed Dear XXXX XXXX : Your payoff has been processed. 
Payment Details : Process Date Description Amount XX/XX/2016 Loan Paid-in-Full {$560000.00} Loan Number : XXXX Property Address : XXXX XXXX XXXX XXXX XXXX , CO XXXX Please contact our Client Services if you have questions regarding the above transaction. 
Contact us at XXXX. Our hours of operation are XXXX to XXXX. Monday through Friday, and XXXX to XXXX., ET, on Saturday. 
For our XXXX clients, please contact us using the Relay System at XXXX. The Relay System is not available on federal holidays. 
Thank you for choosing SunTrust Mortgage. 

SunTrustMortgage.com This message is for information purposes only. Please do not respond to this email address. 
The information contained in this message is proprietary and/or confidential. If you are not the intended recipient, please : ( i ) delete the message and all copies ; ( ii ) do not disclose, distribute or use the message in any manner ; and ( iii ) notify the sender immediately. In addition, please be aware that any message addressed to our domain is subject to archiving and review by persons other than the intended recipient. Thank you.
Product: Checking or savings account

I need my card to be activated today! I have been extremely inconvenienced! I have been hung up on multiple times by XXXX. I have been put on EXORBITANTLY LONG WAIT TIMES just to be HUNG UP ON by the NAVY FEDERAL REPRESENTATIVES! The supervisor, XXXX, DID NOT listen to me as a valued customer! I was told that my card would be temporarily activated by a specialist named, XXXX. Then I was transferred to XXXX, who put the restriction on my card! XXXX, then said I will have to wait 24-48hours for it to my email to be reviewed!! How am I suppose to eat without having access to my debit card!! I am extremely upset and dissatisfied with Navy Federal Credit Unions customer service!! I will submit the letter! However, I need my card today!! This is ridiculously unforeseen circumstances!! I have been banking with Navy federal for years and this is my first experience be so neglected by this company that is suppose to be for service members and their families!! How can this issue be resolved? I am requesting XXXX, the Supervisor, be put under investigation!! I spoke to XXXX, XXXX, XXXX, and XXXX! Who all neglected me as Navy Federal Customer!!
Product: Debt collection

Thank you for your recent contact dated : XX/XX/XXXX. 

I wrote to you on XX/XX/XXXX, requesting the following documentation, so that I may settle any financial obligation I might lawfully owe : 1. Validation of the alleged debt ( the actual accounting ) ; 2. Verification of your claim against me ( either a sworn affidavit or a hand-signed invoice in accordance with The Bills of Exchange Act 1908, Section 23 ) ; 3. A copy of the contract signed by both parties and therefore binding both parties. 
4. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Anti-Money Laundering and Countering Financing of Terrorism Act 2009 and what actions s/he has taken in relation to this account.
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.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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX has violated my rights.

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: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Money transfer, virtual currency, or money service

XXXX money or cryptocurrency in my Coinbase account for a transaction already reversed by bank. 
On XX/XX/21 a {$3700.00} deposit which was meant to be a withdraw. 
XX/XX/21 a {$790.00} deposit which was meant to be a withdraw. 

Both were stopped by bank. But Coinbase is saying i owe them this money. 
Account is disabled as well.
Product: Debt collection

A demand for PORTFOLIO RECOVERY ASSOCIATES to remove all of its reports on my credit file or show cause to pursue Conclusive presumption of worthless debt and to deny my access to 1099-C Form. 1099-C Form is required reporting by individuals to the IRS once a debt has been declared a write-off or charge-off. PORTFOLIO RECOVERY ASSOCIATES has denied my access to 1099-C Form for the previous tax year reporting of XXXX XXXX XXXX XXXX. A violation of the Taxpayer Bill of Rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account/company name is XXXX/XXXX which is being reported on my Equifax credit report with a {$0.00} balance. 

Creditor Information : XXXX/XXXX XXXX XXXX XXXX XXXX. XXXX, MN XXXX ( XXXX )  XXXX I have contacted Equifax to question the accuracy of this account and verification as I've informed them the account is not my account. The account previously reported with a remaining balance. Upon my contacts, the information has been changed and it is now reporting a XXXX  ( {$0.00} ) balance with the following statement : " You've paid off 100 % of the original amount. '' However, underneath the Payment History it is being reported as a " charge-off '' account for the current payment status and the worst payment status. 

I've contacted Equifax both via phone and writing. I've contacted Equifax on numerous occasions regarding various incorrect information that was being reported on my credit report. I've spoken with a representative at Equifax on XX/XX/XXXX in which I've received the confirmation # XXXX. I also spoke with a Rep at Equifax on XX/XX/XXXX and I received the following confirmation numbers XXXX and XXXX. 

I have also contacted the creditor in which I have received no form of correspondence in return. In addition, Equifax, has not sent any correspondence to me via mail or in writing ( or by no method ) in response to my complaints. 

I have reached out to both the credit bureau as well as the creditor with no help from either. This account does not show on any other credit reports. This issue has been very stressful for me. I am only seeking help and assistance in solving this issue. I would greatly appreciate any assistance you are able to help me in getting this negative account that is not my account " removed '' from my credit report please. 

Thank you!
Product: Student loan

I applied for a Student Loan refinance from SoFi at the end of XXXX. While going through their application process they seemed to have issues getting me the correct forms needed for my HR department to release my income. My HR department verified the employment, but not the income. Once I got the correct release forms from SoFi, on the XXXX of XXXX, I filled out the required information and sent it to SoFi with my HR departments fax number. SoFi faxed the form to my HR department who then filled out the required information and faxed it to SoFi on the XXXX. I did not hear anything from them until today, the XXXX, when I was informed that my application was declined. When I called them to find out why, I was told it was because they could not verify my employment. I was told I could re-apply and they would use the same " Hard Credit Pull ''. Instead of contacting me again like they had been, they went ahead and did a hard credit pull and then declined my application based on paperwork that was confirmed to be sent to them by my HR department, and not because of my credit score which according to the rejection letter I received was XXXX. This is unacceptable, I would like to report their fraudulent practices.
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 proce 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 155 financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for falling to propery investigate miy 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. 1681i, 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 ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. these are the inaccurate accounts ; XXXX, XXXX, XXXX XXXX
Product: Mortgage

When I applied for my mortgageXX/XX/XXXX, I spoke to several mortgage lenders and made many comparisons. The reason I chose Movement Mortgage, over another lender, was the fact that my mortgage officer, XXXX XXXX, assured me several times that I could make biweekly payments on my mortgage. Even at closing, onXX/XX/XXXX, XXXX assured me that when I receive my statement, I can call to set up biweekly payments with his assistant or by calling customer service. Again, this was mentioned several times during the mortgage process. However, I received the statement and was told that I could not set up biweekly payments when I called customer service today, XX/XX/XXXX. I am very upset that I was mislead with this information by XXXX XXXX dishonesty because he knew setting up biweekly payments was a deal breaker to choose Movement Mortgage. Attached is a picture of text messages between XXXX  and myself where he guaranteed this could happen.
Product: Credit reporting or other personal consumer reports

Ive reached out to XXXX, XXXX, and Equifax in writing requesting the process by which they verify public information that they are reporting on my name. I still have not received any response. The request I have made to them is below : PLEASE SHOW ME VERIFICATION THAT FOR ALL THE INFORMATION REPORTED ON MY CREDIT IS BEING TAKEN FROM THE ORIGINAL SOURCE. ANY THIRD PARTY INSTITUTE OR SOFTWARE IS NOT SUFFICIENT TO PROVE VERIFICATION. THE COURT ALSO DOES NOT RECEIVE ANY DATA FROM YOUR COMPANY SO I NEED PROOF OF VERIFICATION THAT YOU ARE USING THE CORRECT SOURCE. 


XXXX XXXX XXXX : Bankruptcy Original filing date : XXXX XXXX XXXXXX/XX/year> Reference Number : XXXX Record Type : Voluntary XXXX Court : US BKPT CT CA L A XXXX XXXX XXXX Bankruptcy : Bankruptcy Reference Number : XXXX Date Filed : XXXX XXXX XXXX  Classification : Bankruptcy Type : XXXX  XXXX Bankruptcy Responsibility : Individual Asset Amount : XXXX Equifax XXXX XXXX : Bankruptcy Reference Number : XXXX Date Filed : XXXX XXXX XXXX Classification : Bankruptcy Type : XXXX  XXXX Bankruptcy Responsibility : Individual Asset Amount : XXXX
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Experian 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, so I require you to send me all the documentation to prove that this information is accurate. 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

MONTEREY COLLECTION Is not my debt and is a result of identity theft collection must be removed from all three credit reports.
Product: Student loan

I am on a rate reduction program with Navient to pay back my private student loan. In order to be on this program you have to re-certified every 6 months, but the problem is the rate reduction program is not an income based program and even though the interest rate has decreased, my loan balance is not going down its continuing to increase along with my payments. I asked the customer service rep ( CSR ) if there are any other programs that I can apply for because the payments are getting to high for me to afford. The representative said no this is the only program for private student loans. The interesting thing is I asked the CSR what my remaining balance was on my student loans and she gave me a balance that was higher than my balance when I declared bankruptcy in XX/XX/2010 because they are adding so much interest to my loan. Navient is unconcern with customers who are actually trying to pay their loans back, they are continuing to increase rate as well as my payment which I can no longer afford. I do have to live and I have other obligations.
Product: Credit reporting or other personal consumer reports

Recently I looked at my credit report and noticed there are still XXXX inconsistencies on my account. I disagree with the account listed below even after your investigation. The inaccuracies are highly injurious to my credit score XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Account number XXXX XXXX In accordance to the Fair Credit Reporting Act, Public law 91-506, Title VI Section 611, Subsection A-D. XXXX & Experian has failed to investigate this account properly after repeated attempts to have the account updating accurate information which have once again violated my consumer rights. The account shows a charge off listed on XXXX 2023, however there was a payment on XX/XX/2023 and the account was paid in full before charge off period on XXXX  2023. The charge off listed on XXXX 2023 is inaccurate along with multiple other inaccuracies. The accounts have NOT been updated. We can not say these accounts are 100 % accurate so it is deemed INACCURATE. I am demanding a deletion of the following account : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. Account number XXXX XXXX
Product: Mortgage

We recently worked with Flagstar to sell our home through an assumable loan. Our loan # was XXXX. On XX/XX/XXXX, {$1400.00} was withdrawn from our Escrow account in Flagstar towards " Insurance '' ( Homeowner 's insurance ). When our home, located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX closed on XX/XX/XXXX, we contacted our Homeowner 's Insurance Company, XXXX, to let them know of the sale, cancel our policy, and request a refund. Our refund amount seemed small ( {$270.00} ), so I asked about the {$1400.00} payment, and XXXX confirmed they never received that payment. They also confirmed our insurance would have renewed in XXXX, not XXXX. 

Upon investigation, we found out Flagstar misappropriated our funds in our Escrow Account and withdrew {$1400.00} from our funds to pay for the Buyer 's Homeowner 's Insurance. This is not a contractual obligation we agreed to and solely a mistake of Flagstar as we are not responsible for the Buyer 's Homeowner 's Insurance. This was done without our permission or knowledge as Flagstar paid someone else using our money without our permission. 

Escrow had been told that the premium had been paid outside of escrow. '' The insurance company sent the copy of the policy to Flagstar in anticipation of closing ( which they are required to do ), but Flagstar took it upon themselves to pay the premium BEFORE we closed escrow. Flagstar took the funds from our impound/escrow account in XXXX to pay the Buyer 's premium one month before we even closed. This is why escrow was told it was paid outside of escrow. '' The {$1400.00} was paid to a policy held by XXXX XXXX ( the Buyer ) at XXXX XXXX. The policy number is XXXX and the check number for the payment is XXXX. As you can see, this is not towards our ( the XXXX 's ) homeowner 's insurance as our insurance was held under XXXX and XXXX XXXX, at XXXX, with a policy number of XXXX. 

I contacted Flagstar on XX/XX/XXXX about this, but Flagstar has refused to give me any additional information on the loan since we no longer own our home anymore. I was asking about payments made when the loan was in OUR name, so they are withholding information. Flagstar misused our funds to pay for someone else 's insurance, without our knowledge or permission. We expect Flagstar to make this right, and reimburse us our {$1400.00} that they misappropriated and used for someone else.