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

To whom it may concern there was identity theft on my account with transunion. I have all these hard pulls. I never went to any of these places and applied for there products. XXXX/XXXX  Inquiry from XXXX XXXX XXXX XXXX, Bank XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX  XXXX Inquiry from XXXX XXXX, XXXX, Bank XXXX XXXX Inquiry from XXXX XXXX, XXXX, Bank XXXX  Inquiry from XX/XX/XXXX, XXXX  XXXX  Inquiry from XX/XX/XXXX, XXXX  XXXX  Inquiry from XX/XX/XXXX, XXXX  XXXX  XXXX Inquiry from XX/XX/XXXX, Bank XXXX/XXXX  Inquiry from XX/XX/XXXX, Bank XXXX Inquiry from XX/XX/XXXX, XXXX  XXXX  XXXX Inquiry from XX/XX/XXXX, XXXX  XXXX/XXXX  Inquiry from XX/XX/XXXX XXXX
Product: Checking or savings account

I deposited a check from CFPB XXXX XXXX XXXX XXXX in the amount of {$59.00} into my bank account. Ameris Bank, XXXX, Ga. Check number XXXX The check was returned by the bank due to refer to maker. 

When I contacted the bank, they investigated and told me the check said Void if not negotiated within 21 days of date of issue. 

I never knew of a check to be returned in this amount of time. 

I would like another check issued to me. 

Thank you. 

XXXX XXXX
Product: Credit card

Chase will not allow me to log into my account to view my statements or pay my bill. They keep claiming they need to verify my identity but never send the text or call when I pick those options. So far they refuse to help because they will not do anything to verify its me. They appear to be using their security to try and force me to miss payments ( or possibly to allow unauthorized charges ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Everything has to be 100 % accurate on my credit report. These actions 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 an account without my written instructions.

The Credit Reporting Agencies stated the account was properly investigated but these items in my attached credit report show different. 

Accounts - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Debt collection

Sometime ago I had car insurance with XXXX, I had this insurance for about 2 months and then I decided to cancel my policy by phone, which XXXX recently told me did not happen, when I know I spoke with a XXXX agent to cancel it. I recently spoke with a XXXX agent and this agent asked me why I cancelled, even when this person at first claimed that they did not have a recorded call of me cancelling my policy. 

I told this agent that the reason why I cancelled was my choosing and an explanation from me as to why I cancelled was my business. 

Just yesterday, XXXX/XXXX/2016 I see that
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2021 I changed bank accounts and forgot to update both accounts causing me to have a late payment on ( XXXX XXXX, XXXX XX/XX/Lead ). since then and before then I haven't missed one payment I would like the late payment be removed on both accounts. 

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/2020 Please remove it from my credit report. 
Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
Validate Account XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting

I am applying for employment at a major company in XXXX Michigan XXXX and as a require of pre-employment screen Accurate Background XXXX spoke to the employer before completing their report. After sending employment history, company sent a preliminary copy of report, and informed me of 5 days to dispute any errors ( XXXX/XXXX/2015 ). I responding on XXXX 2015 to Accurate Background company and now I have a second disputed claim for the same error in report with no results given for the previous disputed claim ( XXXX/XXXX/2015 ). I have informed this company of their investigative tactics using unofficial documents from local courthouse records and not recognizing the background records of XXXX Police records dept. I have provide all necessary document to correct this matter, but to no avail this company is focused on damaging my reputation with this erroneous given to a potential employer. I am asking that your agency protect my right to a fair investigation using reliable, and legitimate records of criminal history by state or federal agency.
Product: Consumer Loan

I am a XXXX on a fixed income. I have just enough income each month to pay my bills and to feed and provide shelter for me. If I have extra expenses in one month, it puts me behind financially and this is what happened in this situation..I have a loan with Honda Financial. 
I have paid {$380.00} a month, without interruption, to Honda since XXXX, until a month or so ago, when it changed to {$400.00}, using the extra {$17.00} to pay off late fees that had accrued and for which your agency helped me to finally stop accruing. All because Honda would not change my payment date. 
In early XXXX XXXX, I had some extraordinarily large bills to pay. Car registration, and other car repairs that had to be done i.e. replace an old battery, as well as one-time medical bills.I tried to borrow money but I was not able to do do that. In any event if I borrow money it makes things worse, because I go further into a financial hole and can not pay it back.So now I owe {$400.00} for XXXX XXXX which I just do not have the money to pay. I just made a {$400.00} payment to Honda, which is all I could send, and it was applied to XXXX XXXX. Now, I am getting calls twice a day about the XXXX payment. I also received a very disturbing, threatening letter from a XXXX XXXX, ( XXXX ) XXXX of Honda telling me that Honda Financial will use every resource under the law to get that payment, including re-possessing my car. I have tried to remonstrate with Honda Financial, to have them understand that I am a responsible consumer who wants to pay her bills on time every month as I have done 5 years. I 've had a run of high expenses that have to be paid, I have not used the money for unnecessary frivolities.And yes, I yearn to be able to save money each month to cover emergencies such as I have just had, but I just do n't have the income to be able to do that. Can you please contact Honda and see if there can be a solution to this impasse between Honda Financial and me? I believe they think I 'm not terribly intelligent, and perhaps might be doing this on purpose. I 've had a run of bad luck, but now I would like to continue paying my monthly payment every month for the approximately 15 months I have left to pay off the loan. 
Sincerely, XXXX XXXX.
Product: Money transfer, virtual currency, or money service

Cash App ( Block, Inc. ) failed to provide adequate customer service and safeguard my account from fraud, leaving it vulnerable and unprotected. Their dispute resolution process was unfair and deceptive, as it did not comply with the error resolution requirements outlined in the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These shortcomings have caused me financial loss and significant inconvenience, and I am seeking appropriate resolution and accountability for their failure to address these issues effectively
Product: Money transfer, virtual currency, or money service

Hi, I have a account with XXXX  ( XXXX ). I started using XXXX since XX/XX/XXXX, for good 3 months. There isn't any problem from their side. 

However, I received an email on XX/XX/XXXX saying that my account has be be closed. They give me 5 days of time to withdraw my Bitcoin, Ethereum and USD from the receipt of the email. I tried email and ask for reason and try to cooperate with them. 

Sadly, they replied saying that they will not elaborate on any specifics of the decision. I am a XXXX registered customer and I did not break any rules from their terms and conditions. I depend solely on XXXX to trade on virtual currencies, having my account closed has been a big deal to me. They might just lose a customer, but the loses I carry is much more. As of right now, I cant access to my account as it was closed. 

This is not fair. I hope CFPB can help me solve my problem and have my account activate back ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a medical procedure done around 2018 and had an outstanding debt to a hospital for over {$1000.00}. I still hadn't paid this outstanding amount after a few months went by. Then, XXXX day XXXX received a letter from the hospital saying that if I paid just {$140.00} then they would completely eliminate the amount I owed and consider the account paid in full. So, I paid the {$140.00} after relying on the hospital 's representation that this would completely eliminate my outstanding debt ( proof of this letter is attached ). But rather than consider my account paid in full after I sent them the {$140.00}, the hospital continues to say I owe them money. So I disputed this with Experian and showed all of the necessary proof to support my assertions ; but, rather than side with me the credit reporting company sided with the hospital/debt collector.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and other incoming deposits. Capital one has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

A fraudulent XXXX credit card had been opened XX/XX/XXXX in my former surname XXXX ( not used since XX/XX/XXXX ) and former XXXX address ( XXXX ) haven't lived since XX/XX/XXXX. I immediately cited it as a fraud and put it in dispute. The individual who opened the acct didn't activate the original card sent to XXXX address for over a year. Then in XX/XX/XXXX the  perpetrator requested a new card be sent to an XXXX XXXX address in XXXX, NY and racked up over $ XXXX in purchases in a few weeks. 
Although the identity theft, fraudulent credit card account has been expunged from my reports, the XXXX XXXX, XXXX address that enabled the fraud, ( which was never mine, nor anywhere I'd ever been in my life ) has remained on Equifax 's site, showing as my 'current address '. The Equifax site is so badly designed, that it immediately regurgitates incorrect entries. I not only attempted to dispute and have the address removed online, but called as well when that outcome showed my true, current address as fraudulent! The agent was unable to correct this circumstance, saying my account that she was seeing showed the fraudulent address in dispute and my true address not. 
Well, I checked today and it is showing my current address as the correct one, but the fraudulent address is now being shown as an old address ; which it is not!!!! I have never had or been to that address. It is not to be listed as associated with me. This entire fiasco resulted from the Equifax breach in XX/XX/XXXX and Equifax didn't have the decency to assist me in any way or even mention that the breach on their site was the reason. These reporting agencies are incompetent and don't even bother to alert creditors to old names and addresses not currently in use that still attach to individual profiles, allowing criminal activity that they are meant to be averting.
Product: Mortgage

COMPLAINT AGAINST MIDLAND MORTGAGE COMPANY REPORTED LATE PAYMENT FOR MONTH OF XX/XX/year>2024 Closed on home XX/XX/XXXX XXXX XXXX 2024, payoff statement sent to me XX/XX/year>2024 and was told specifically to NOT pay for the month of XXXX by Midland Mortgage due to closing date being XX/XX/year>2024. After waiting for credit report to update, Midland Mortgage reported a late payment for the month of XXXX. This is a inaccurate report on the loan and has affected my personal credit score and financial life.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that all accounts listed below be blocked and deleted from my credit report as I am a victim of a data breach. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that these unauthorized accounts and inquiries be immediately removed from my credit file to prevent further damage to my credit. 
Accounts to be blocked and deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Checking or savings account

On XX/XX/XXXX, I opened a bank account with Simple after seeing an advertisement for a {$250.00} bonus following a {$10000.00} deposit. Using the link provided by the advertisement, I opened the account and deposited {$10000.00} into that account by XXXX, which was a week before their deposit deadline of XX/XX/XXXX. I maintained that balance through XX/XX/XXXX, which was two weeks past their required date of XX/XX/XXXX. 

Simple specified that new accounts would receive their {$250.00} bonus by XXXX on XX/XX/XXXX. After not receiving the bonus, I called Simple at XXXX on XX/XX/XXXX. I was told that I would be receiving my bonus, however it would be paid out at XXXX pacific time ( not EST ). The next day, after checking my account and finding that the bonus was still not deposited, I called again. After 45 minutes on hold, I was finally told that I did not qualify for the bonus because the account that I opened was not eligible. 

They said that after opening my account, I needed to open another " protected goals account '' within my other account to earn the bonus. This was clearly an attempt to gain new customers without paying the bonus as the instructions given to earn the bonus were deceptively simplified and misleading.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, XXXX and TransUnion Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

My spouse and I closed on our house XX/XX/XXXX and the loan servicing was transferred to Specialized Loan Servicing ( SLS ) on XX/XX/XXXX. 

At closing ( XX/XX/XXXX ), we paid XXXX  months of property taxes, {$6600.00}. This should have been for our XX/XX/XXXX tax payment and to fund our escrow account. 

SLS was responsible for paying property taxes out of our escrow account in XX/XX/XXXX ( XXXX mths ) and XXXX of XXXX ( XXXX mths ), but did not pay the taxes on time, total missed payments for XXXX of {$11000.00}. 

As of XX/XX/XXXX, SLS was holding XXXX months of property taxes and still had not paid the XX/XX/XXXX & XX/XX/XXXX tax bills. This violates federal lending laws. 

In XX/XX/XXXX, SLS inexplicably issued a {$4100.00} refund to my spouse as if there was an overage in our escrow. This was only due to taxes not being paid at all in XXXX. 

On XX/XX/XXXX, SLS paid XXXX XXXX {$5500.00} for the XXXX XXXX half taxes and another {$5500.00} for the XXXX XXXX half taxes. 

Then, in XX/XX/XXXX and XX/XX/XXXX, SLS shows they paid {$4800.00} for our property tax payments, an amount that was short by {$750.00} each time. 

But, XXXX XXXX 's records indicate that {$5600.00} was received in both of those months, which indicates a cumulative {$1500.00} accounting discrepancy from SLS 's transaction history. 

In XX/XX/XXXX, SLS sent an escrow shortage letter showing a - {$5400.00} negative escrow balance with a {$2100.00} required minimum, and a {$7600.00} total escrow shortage. 

SLS then notified us of a $ XXXX escrow shortage to be added on to our regular mortgage payments for XXXX  months, to make up for their ongoing mishandling of our escrow account. 

SLS is responsible for the missed payments and massive discrepancies in our escrow balance resulting in the {$780.00} a month shortage. 

SLS at no point provided any communication regarding missed payments in XXXX or that the balance therefore was severely different than the escrow analysis provided. 

I called them to discuss the shortage in XX/XX/XXXX and they did not notify me of missed payments on their behalf. 

Last week, I returned their call and notified them that I intend to file a dispute. They logged the call in their system with a note that I understood and agreed to the shortage amount. 

After XXXX  months, our taxes have never been paid correctly nor has SLS accounted for our escrow funds correctly. 

They continually stonewall us and do not tell the truth. Attached please find the documentation from XXXX XXXX and SLS.
Product: Credit reporting or other personal consumer reports

This company is still reporting inaccurate information.
Product: Debt collection

Im unaware of this debt and I did not receive proper notification. If you believe that you provided proper notification then please provide certified Mail receipt with my signature on there.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX  XXXX XXXX {$25000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$16000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$14000.00} XX/XX/XXXX XXXX XXXXXXXX {$4000.00} XX/XX/XXXX XXXX & XXXX XXXX XXXX {$670.00} XX/XX/XXXX XXXX  XXXX ************ {$300.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$130.00} XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

To whom this may concern, On XX/XX/year> someone drained my checking account with XXXX XXXX XXXX XXXX via cash app, stealing {$960.00}. The following day ( XX/XX/year> ) I filed reports with cash app, XXXX XXXX XXXX XXXX, and the XXXX XXXX police department. 

Cash app case reference number :! XXXX.! XXXX : ref XXXX XXXX XXXX XXXX case reference number : XXXX XXXX city police report number : XXXX Cash app failed to pay me back the money that was stolen out of my account, claiming that it was not a fraudulent transaction. Which it is, by definition. 
( XX/XX/year> ) I called the XXXX XXXX XXXX XXXX after cash app failed to reimburse me, and someone told me they would reopen my case. They also told me to send any evidence to their email, which is where I sent the following email to XXXX ( pictures included in documents ) XX/XX/year> - after filing a complaint with the cfpb, XXXX XXXX XXXX XXXX XXXX department calls me to collect further evidence. I provide it to them via email. 
XX/XX/year> - XXXX XXXX XXXX XXXX investigation has led them to inform me that under federal regulation, it is cash app who is liable for reimbursement of my stolen funds. According to them, it is because my funds were withdrawn from my checking account, placed into a cash app balance, and then redirected. 
XX/XX/year> - after filing my complaint with cash-app, they emailed me back with a spreadsheet of the transactions in question. They stated that our investigation led us to determine that this transaction was authorized by you or someone you authorized to use your credentials and no error occurred. As a result, your dispute has been closed. 

This is an egregious misinterpretation of evidence in my opinion. My phone was stolen and hacked into. I had protected passwords on that phone. I did not authorize any of those transactions. I have no previous history on the platform with any of these individuals and had never received or sent money to their accounts before. These transactions in question should have been flagged.
Product: Debt collection

I have seen a debt collection on my credit report, so i contacted the company to first notify them that i am unaware of the debt and they needed to verify the debt or else remove it out of my credit report. they have verbally told me the original creditor without much details.I told them that i am no longer a customer of that company and that i have paid all my dues before my new company sent them a cancellation letter.Up until today, i have not received anything from them while the debt is still showing in one of the credit reporting agency and removed from the other two reporting agencies.
Product: Debt collection

The company provided credit cards information to unauthorized individuals. The fcc is also only corporate account
Product: Mortgage

I applied for a refinance of a rental property. We are well past the proposed timeline. I can not get in contact with anyone. My loan office has not responded to my calls or texts.