23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

1. I applied for a XXXX XXXX via Rocket Mortgage on XXXX XXXX 2017 2. I worked with XXXX XXXX to provide all details of my situation and was issued my pre-approval letter on XX/XX/XXXX. I disclosed that I was an US Citizen but living and working abroad at this time and that this was to be an investment / rental property. There were no concerns expressed and the pre-approval letter issued. 3. On XX/XX/XXXX XXXX XXXX asked me to call her back and I was informed that since I was not physically residing in the US that they were not able to proceed. I requested in writing the formal reason for such and was connected with XXXX XXXX. 4. Spoke with XXXX and requested a formal letter stating the reasons for the denial and advised that this was discriminatory lending as I met all financial terms and conditions. 5. On XX/XX/XXXX, XXXX emailed to state that he had reviewed and that due to my non US residency that " financing is not allowed ''. 6. I replied on XX/XX/XXXX stating that this is not a " law '' but a practice by Quicken Loans and is discriminatory. I again requested a formal letter stating the reasons for why I was being denied so that I could take appropriate legal action. 7. On XX/XX/XXXX XXXX emailed to state that " Quicken Loans will not be providing a letter and do not agree with the assertion that we are discriminating. We will respond accordingly to any lawsuits and vigorously defend ourselves ''. 8. On XX/XX/XXXX I re-emailed stating that I was entitled to an formal letter as to the reason for the denial and cited FTC website stating this must be provided in writing. <P/>Due to the aggressive response of XXXX and the refusal to provide the letter and continuing to hold to the discriminatory position I am filing this complaint.
Product: Credit reporting or other personal consumer reports

Recently, I checked my credit report and noticed multiple billing errors under XXXX XXXX XXXX XXXX ( b ) Billing Error : ( XXXX ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor. 
( XXXX ) A computation error or similar error of an accounting nature on a statement. 
15 U.S. Code 1666b - Timing of Payments ( a ) Time to Make Payments : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$4300.00} XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in a number of disputes to you guys for these particular accounts that are inaccurate first disputes were sent XX/XX/2022 and 6 more disputes after that my last one was sent XX/XX/2022. This account is still showing up and none of them show that I have disputed them on any of the bureaus as if I am being ignored so I have done research to go above the bureaus to here and tell my issues to receive some results finally. I haven't got any response. The XXXX XXXX  account is showing up incorrect and was not fixed the policy I thoughts was to have a 100 % accurate on all three bureaus saying inaccurate payment history and status and account number are reporting different this need to be corrected. As well as XXXX is show in a negative way and has been paid a agreed to be removed from creditor and has not been reported correctly either. Also XXXX is reporting multiple times. This account is showing up with a incorrect date of activity and open date and status as well. I have wrote letters about this numerous of times.
Product: Credit reporting or other personal consumer reports

My address is wrong and I want only one address reporting on my credit report. I have sent this request several times. ATTENTION DISPUTE DEPARTMENT I have reviewed my report recently. There were names and addresses on it that are incorrect - spelling errors or just plain wrong from my credit report, as allowed by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and the Metro 2 credit reporting guidelines. It has come to my attention that the following information on my credit report is incorrect : PLEASE FIX EVERYTHING IN MY PERSONAL INFORMATION THAT IS NOT THE FOLLOWING : 1. PLEASE UPDATE MY NAME TO : XXXX XXXX 2. PLEASE UPDATE MY ADDRESS TO : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX 3. MY ONLY SOCIAL SECURITY NUMBER : SS # : XXXX 4. MY ONLY AND CORRECT DATE OF BIRTH : Date of Birth : XX/XX/year> 5. MY ONLY EMPLOYER IS : I DO NOT WISH TO HAVE MY PHONE NUMBER LISTED ON MY REPORT. 
Moreover, I request the removal of any other personal information currently listed on my credit report that is inaccurate and does not pertain to me. Specifically, I demand the removal of all other addresses from my report, as they are not deliverable to me by the U.S. Post Office and are not reportable under the FCRA due to their inaccuracy. 
I have attached a copy of my identification card and a recent { bank statement/utility bill/ID } for verification purposes, as required by the FCRA. 
Under the FCRA Section 611 ( a ) ( 1 ) ( A ), I am entitled to a free copy of my credit report once you have completed the necessary updates. Kindly provide me with an updated credit report so that I may verify its accuracy.

As the FCRA stipulates, if you are unable to complete the investigation within the 30-day timeframe, you must remove the disputed information from my credit report. Additionally, I would like to remind you that under the FCRA, 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), you are required to notify me of the results of the investigation within five business days after it is completed. 
Thank you for your assistance in resolving this dispute. I look forward to receiving an updated credit report from your agency. 
Sincerely, XXXX XXXX
Product: Credit reporting

I would like the words " Account in Dispute '' removed from all accounts on my credit reports from the XXXX credit bureaus where it 's listed. I am not disputing any accounts listed on my credit reports as of this writing.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 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. 
I am fully aware of my protection and what these laws mean fully. The accounts are listed below as follows : XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXX XXXX. XXXX # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ) # XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX 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 : States that a consumer reporting agency can not furnish an account without my written instruction, which I have not given Equifax ANY written consent to furnish anything about myself on my consumer report. 

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 reports by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating 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

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Product: Money transfer, virtual currency, or money service

I am fling this complaint against Csh 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 [ ; atform, leaving my account venerable 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 address for these violation.
Product: Checking or savings account

I submitted a wire {$13000.00} electronic wire transfer request on XXXX XX/XX/2024 ( 20 days ago ) from my Navy Federal account to another account I have with a different financial institution. The funds have not been delivered to my other account but deducted from my Navy Federal account on XXXX XX/XX/2024. 

The Navy Fed representative who initiated the transaction failed to properly process the request.

Navy Federal has claimed the wire was sent a few different times, but still no funds were delivered. Navy Federal has given me at least 4 versions of what the " facts '' are but I have not received the funds. Navy Federal has lied to me multiple times, hang up the phone on my a few times.

I have called the receiving bank numerous times and called Navy Federal countless times to try and locate the wire. I have visited a branch of Navy Federal but still no recourse.

I have asked countless times when I will have my funds again ; I was told Navy Federal has no idea if it will be a day, a week or a month because they do not control the process. I was told if I dont want to wait indefinitely my only other recourse write a letter and mail it to cooperate, then wait for a response. They claimed there isnt an email nor phone number to complain to other than the customer service number.

I need my money to pay my mortgage and other financial obligations, I am now late on my obligations and fees assessed. 

They have not provided much assistance and it has been XXXX days since my money has been missing. 

Please help!!
Product: Credit reporting or other personal consumer reports

I would like to remove the follow inquiry from my credit report. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX OH ON THE DATE OF XX/XX/year> I did not authorize this company to run a credit report in accordance with fair Dept collection practices act 15 U.S. CODE 1692G XXXX XXXX XXXX XXXX XXXX XXXX TN, XXXX
Product: Bank account or service

This was drafted on XXXX : XXXX XXXX quadruple charged my account ( total of {$880.00} ) and they sent a hold release form to my branch on XXXX in XXXX, XXXX. The branch told me yesterday there was no way they can actually remove the hold for me and to call the XXXX number on the back of my card. I called the XXXX number on the back of my card and they seemed confused as to why the branch could n't have just done it. She then put me on hold for about 15 minutes and said they ca n't release the hold but the hold DOES expire at the end of day and promised I will have my funds released back to me by tomorrow. It is now tomorrow and my funds were never released back to me - in fact, now my account is overdrawn. And since BOTW likes to be different, none of their branches are open on a Saturday to even put money into my account. I called the XXXX number again today and was told " sorry ma'am, we do n't know why the lady on the phone yesterday would tell you that your hold expires at the end of night ... it actually wo n't be released until Tuesday ''. I then asked to speak to a supervisor and this supervisor lady was EXTREMELY rude and has zero compassion to my situation. She said the only way that they can release my hold is if the merchant ( XXXX ) faxes them over a hold release form. I said they DID fax this over yesterday to the branch and the branch told me to call the XXXX number. She said sorry but I ca n't do anything since the branch is closed today. ARE YOU KIDDING???? I told her that I even have a copy of the hold release form that came straight from the merchant. I told her I could email it to her and she said they do n't have the ability to receive email ( yeah right ). I hung up extremely frustrated and in tears. I was promised my funds would be back to me today and now I have to sit all XXXX XXXX weekend with my account being overdrawn??? I ca n't even wait to dispute my overdraft fees!! Shame on the XXXX branch for not just taking care of this themselves and shame on the customer service people for providing me incorrect information and no willingness to help. 

Update : I got a response from BOTW only after posting about my situation on XXXX. Their response was email their customer relations ... they claimed they have " escalated '' the situation, yet since it was the weekend, response time would be slow. It 's now Tuesday XX/XX/XXXX and my account is still overdrawn, my funds were never released back to me and I have yet to be contacted by anyone, despite that today is now a business day. 

To recap, I was promised the hold on my funds would expire on Friday XX/XX/XXXX and my money would be available on Saturday XX/XX/XXXX. It 's now XX/XX/XXXX - my funds have yet to be released back to me and my account is still overdrawn. This past weekend was XXXX XXXX weekend and I had to cancel my plans because I had no money in my account!
Product: Debt collection

On XXXX XXXX 2016 at XXXX am i received a phone call from debt collector call National credit systems inc. That lady call me ( XXXX ) she told that she called about a debt that I own XXXX apartment i told her that I do n't own XXXX apartment and i told her what is the debt about and she said that for carpet removed and painted the apartment i said i do n't think so cause i do n't own them and told that what argument I have to support my case, I did n't gave her my arguments because she talked like the XXXX XXXX office. After a week i received a letter from that debt collector, i call to dispute the case right away and i received that same lady name above she forced me to give her my arguments explain to her A thorough Z to support my the case. She put me on old and never came back i hang up the phone after a hour i call back and she changed everything everything about the debt i said ok send me the document that XXXX send to collect the debt and she says no she ca n't send to she says that she gon na send me another letter to send her document to support my statement and i told her XXXX did n't gave me that option to have those documents. ..
Product: Vehicle loan or lease

I purchased a truck on XX/XX/XXXX. I reviewed the loan application submitted and it clearly states that my mailing address is XXXX XXXX XXXX in XXXX NY XXXX. We received all written paperwork from GM at that address through XX/XX/XXXX. 
A repossession took place on XX/XX/XXXX, I contacted GM on that date to clear this matter. I asked why the repossession had occurred. I was told that payments were late and all mail concerning the late payments had been returned to GM. I told the representative that we did not receive any correspondence and asked what address had the notices been sent to. I was told XXXX XXXX XXXX. I asked why the address was changed from XXXX, she said someone must have changed it. I asked her to review her records and tell me who and when was this change authorized. She said she couldnt tell, maybe the post office changed it. At that point I decided not to pursue with customer service, my main concern was to just get the truck back. I would contact GM Financial later. 
I have also contacted their customer service department two more times, XX/XX/XXXX and XX/XX/XXXX notifying them that I have not received my monthly billing statement. The second time I was told the switch had been turned off, she would correct and I would start to receive again. I have not received this either. Prior to XX/XX/XXXX I received the billing statement each month. 
I did contact GM Financial on XX/XX/XXXX. To date I have received no response.
Product: Debt collection

I have no knowledge of this account, I have been in contact with the credit card customer service XXXX and provided them with a copy of the police report. This credit collection agency never tried contacting me they just added this to my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a certified pre-owned XXXX and financed it through XXXX XXXX, which is an affiliate of XXXX XXXX XXXX. The car was sold to be fraudulently and XXXX agreed to purchase the vehicle back in XXXX of 2021. Legal notarized agreements were signed between myself and XXXX. 

Despite this, XXXX XXXX and XXXX XXXX XXXX have submitted a delinquency report to the credit bureaus and refused to rectify the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

complaint regarding the ongoing inaccurate account reporting related to XXXX XXXX account # XXXXDespite previous attempts to address this issue, They continues to report incorrectly, which is a clear violation of the law. I have made every effort to rectify this matter but have been met with indifference and lack of compliance. This serves as my last and final attempt to seek justice and have the inaccurate information promptly removed from my credit report. Thank you for your prompt attention. I trust that the CFPB will impartially address this serious issue Remove Account, this is inaccurate information reporting.
Product: Debt collection

I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention
Product: Debt collection

I have sent validations letter about this debt to the company itself asking more information regarding the debt and no validation letter has come back at all. Since no validation letter came back I dispute it with the credit bureaus yet the credit bureaus are stating that the debt is valid. I sent back to the credit bureau a message asking how was their determination hat the debt was mine made and nothing came back validated either since neither the company nor credit bureaus can validate this debt I would like this debt to be remove from my credit bureaus and that my credit report be updated without it.
Product: Debt collection

There is an open collection account on my credit report from AFNI on behalf of XXXX. This debt was discharged in my bankruptcy. The note in the collection account listing even reflects chapter XXXX bankruptcy but the collection account is still showing open when it should have been removed 5 years ago.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/year> Midland Credit Management XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MI XXXX Phone number ( XXXX ) XXXX Account Number XXXX Heres a letter based on the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 : Subject : Dispute of Debt under 15 U.S.C. 1692g Dear Midland Credit Management I am writing to dispute the debt associated with account number [ Account Number ], as permitted under 15 U.S.C. 1692 of the Fair Debt Collection Practices Act ( FDCPA ). I request validation of this debt, including evidence that I owe the amount. If this debt can not be validated, I request that it be removed from my credit report.

Please respond to this request within 30 days, as required by law.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, A couple years ago, in Florida, my walletwhich had all of my personal informationwas lost. During that time I had a breakdown and feared that someone would use my identity to conduct crimes or carry out illegal activities. If you have dealt with this before, you are aware of the pressure it places on you. Since then, I've made sure to always carry something with me to store my stuff, so I can always know where my belongings are. The reason I'm writing today is because I discovered stuff on my credit report similar to then being that I am a victim of theft, that I've noticed now in regard to the Florida event. The following things on my report need to be removed from my file. Again, I am a victim of identity theft, so I'm asking that the things be removed so that my credit report can be corrected. I need this to be taken away since dealing with it has left me quite worn out.