23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I was turned down for a mortgage due to information in my XXXX credit report. I have disputed a XXXX account several times, and they refuse to correct the information. They have also locked me out of the website and will not allow me to file a dispute online, nor will they provide me with a free credit report. XXXX will not allow me to access my report online unless I pay for the report using one of their services. The XXXX account XXXX was charged off in XX/XX/XXXX. XXXX is now reporting the account as having been charged off in XX/XX/XXXX. They have illegally re-aged the account. The are also incorrectly reporting the first date of delinquency ( should be XX/XX/XXXX ). Due to this incorrect information, I was turned down for a mortgage. The account needs to be deleted because they have not been able to verify or correct the information and have since illegally re-aged the account which resulted in my inability to obtain a mortgage. I also need to have full access to my credit report. I have attached supporting documentation from a XXXX report and also from a XXXX statement dated XX/XX/XXXX. The dates and balance on the XXXX account as reported by XXXX are all incorrect. I either the entire account to be deleted since they have not been able to verify or report correct information. Their false reporting has damaged my ability to gain credit. XXXX has ignored previous requests and locked me out of the website. 

Thank you.
Product: Mortgage

1. rec Email dated XXXX requesting insurance coverage policy on mtg property. 
2. responded on requested phone to their XXXX number and get offshore clerk who is not authorized to give out name, place of business in usa XXXX offiers contact points and or phone and address. 
3. two calls saying I complited with the letter of XX/XX/XXXX with proof of payment and policy face page as evidence of ins XXXX offshore clerk then says not recived, sent information on line to XXXX XXXXXXXX their XX/XX/XXXX th letter instruction. 2nd call to XXXX number does not result in acknowledgement, request XXXX XXXX office and contact, the offshore clerk refuses information. ie. " not authorized '' 4. 2nd letter says received on XX/XX/XXXX email that to disregard their threat to buy insurance on the mfg property if they do not get information on ins, however, have complied with their instructions. 
5. XX/XX/XXXX use second means of notification to them and copies of paid ins policy as did the first time, this time use fax number in XX/XX/XXXX letter, premium on ins policy was paid on time XX/XX/XXXX for new ins policy. received receipt on both attempts to submit and have them in hand. yet offshore clerk says they did not receive. 

Each year this is the same problem, they are a virtual service company and fall off the HUD service levels for operation with many complaints, want regulators to investigate the level of service and bring it up to standards for a reverse mtg lender in this country, and make them responsive with USA based corporate staff that is under USA justice department jurisdiction. Level of service from this company with multiple complaints stems from allowing them to operate offshore with critical staff and block transparency of staff here from customers. There still after all these months is not an acknowledgement of receipt of the required information after using multiple ways to submit at their direction. In addition critical personal information is required to be sent with it to offshore 3rd party companies not identified as the company employees outside US jurisdiction to comply with their operational service requirements..
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and my identity was stolen. I submitted my police reports to Equifax and they only processed one and told me to resubmit my unprocessed report. It has already been past five days. All fraudulent accounts should have been removed already!
Product: Bank account or service

Regions Bank account ending in XXXX was opened in XXXX. Only XXXX overdraft/returned item fees were accrued in ten years. A cyber theft scare in XXXX XXXX forced me to change account numbers. Making it look as if it were a brand new account. From XXXX XXXX through XXXX XXXX {$1700.00} in fees alone were seized by Regions, or by other companies in direct connection to their actions. Deposits were not credited. Deposits could not be made due to repeated ATM failure. Debit cards disappearing in the mail. Debit cards sent with the wrong PIN number. Payments were returned resulting in late fees. My credit card account was closed when a payment was returned XXXX times in one month. My credit score dropped from XXXX in XXXX of XXXX to XXXX as of XXXX of XXXX due to account closures and having to use credit for many basic needs. 
Upon my thorough investigation I discovered several payments were not returned to the companies even though Regions said they were. Transactions were reprocessed, dropping the balance of the account so other charges did not clear and fees accumulated. Dropping the balance further and creating a snowball effect that I have yet to recover from. I have proof I made deposits that do not show up on the ledger in the form of processed checks from my clients. As well as proof of payments not being sent back. In XXXX XXXX I opted in to overdraft protection. I figured if I was being charged, I may as well not have the payments sent back to the companies. Nothing changed, however. Hoping it would stop charges from being processed, I opted out in XXXX of XXXX after {$1100.00} in fees were taken in seven weeks. Most being returned item fees. Even though I was opted in and depositing money every day. Several lengthy phone calls were made to Regions during this time to try to fix the situation. I was told to open a second account for personal charges or open a savings account. I did n't think another account was a reasonable option. No real solutions were presented. 
I am attaching a comprehensive folder of all transactions during the eight and a half months I held the account. The whole situation became completely overwhelming. I continued to pump money into the account daily hoping it would stop payments from being sent back. I was not able to pay my rent. I was forced to sell several of my personal possessions. As I am single and live alone I have no-one to help cover the necessities when I am not able to. This whole thing has nearly destroyed my life and I am still struggling to recover. Fighting to pay down the bills that accumulated while this was going on. I have yet to get back on my feet. The actual ramifications have yet to be completely revealed. New bills present themselves every day because I 'm struggling to pay off what occurred.
Product: Credit reporting or other personal consumer reports

Request for Security Freeze on Credit Report To Whom It May Concern : This letter is to formally request a security freeze on my credit report.

I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report.

My personal information is as follows : Full Name : XXXX XXXX XXXX Date of Birth : XX/XX/ Social Security Number : XXXX Current Address : Address : XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future.

Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

Ive reached out to Acima on numerous occasions to change my due date to correspond to my pay day and i was constantly on told my account numbers was wrong and they couldnt change it they was over drafting my account reporting negative to the credit bureaus
Product: Checking or savings account

The banking product has a feature that allows me / user to lock the debit card. If the card is locked, the card will decline any transaction attempt. Once the card is unlocked, the transaction will be processed if funds are available. When transactions are with merchants that could charge additional fees e.g., hotels, restaurants, etc., the bank will hold the charge in " pending '' status until the merchant settles the transaction On XX/XX/2023, at XXXX XXXX., I unlocked my card in advance of checking into the XXXX XXXX in XXXX XXXX XXXX, MN. I inserted my card into the hotel 's card reader, and the transaction for {$240.00} was declined despite the fact that I had sufficient funds. I used a credit card to check in. At XXXX, a hold for {$250.00} was processed on the debit card that was declined one minute before. 
The debit card at issue is a business CashApp card through XXXX XXXX routing # XXXX. 
After spending hours using CashApp 's customer service messaging, I was finally provided a phone number to their customer service. The agent I spoke with emailed me, with a reference number, and instructed me to reply with a XXXX balance receipt from the hotel. Notably, NEITHER THE HOTEL NOR CASHAPP could provide me with an authorization number for this hold because, at least on the hotel 's side, they never got an authorization number. On a phone call that I recorded, the CashApp representative stated that CashApp had NO AUTHORIZATION OR REFERENCE NUMBER for the transaction. Nevertheless, after sending CashApp a XXXX balance receipt and itemized receipt, via the email and per their instruction, the agent stated that they could not release the hold BECAUSE THE TRANSACTION WAS MADE WITH ANOTHER CREDIT CARD. 
I was in one of the most dangerous blizzards in the history of Minnesota, stuck at a hotel with no way to leave because CashApp had my funds tied up. I was there to begin with because I sat for the MN Bar Exam on XXXX XXXX. I did not check out until Saturday. 
Ultimately, without cause or effort to contact the merchant, CashApp will not release my funds until they get confirmation of an authorization release -- on an authorization that never existed and resulted from their own system error.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I XXXX XXXX received and email from Capital One that my capital one credit card bill for {$480.00} has posted to my account at the above date. Confirmation XXXX. On XX/XX/year> it was rejected for some reason and capital one will not tell me the reason. Per 15 USC 1693 0-1 and 106-229 were violated for capital one to reject it and will not tell me a reason why. 12 CFR 1026.13 states that all bills are prepaid. Also when Capital One rejected the payment they put the balance back on my credit report into collections.
Product: Credit reporting or other personal consumer reports

Experian Is reporting Inaccurate information on my consumer report Violation of the FCRA 15 USC 1681e ( b ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Checking or savings account

On XX/XX/XXXX agreed to PURCHASE, XXXX ACRES OF " TOTALLY, UNRESTRICTED LAND " from a company who is now a FRAUDELENT internet land sales company. Currently still on property, live in a XXXX XXXX tent The sales price is XXXX, a XXXX for paperwork. They only wanted a XXXX down making it, XXXX to even look at any contract I paid down, XXXX, XXXX + XXXX + XXXX. Debit card limit is XXXX daily. 

They sent contract electronically even though I told them, eyes bad can't read off phone I signed this doc, winter was here and had to hurry setting up camp site for snow coming I realized after signing and giving this company, XXXX, that there was something terribly wrong when I went to XXXX XXXX, XXXX and was immediately denied any account because the doc I had on phone did not give me ANY OWNERSHIP rights and in fact this XXXX XXXX person himself, is not the owner a bank was. 
XXXX XXXX is the person, " LOT OF FREEDOM " the land company. 
By the 3rd week of XXXX, XXXX another crashing blow, no permit capacity, no water or power! 
Contacted XXXX, told him I wanted money refunded including every penny I spent for clearing, camping equipment, fuel and more. 
His remark, ,your an angry man suffering BUYERS REMORSE!. 

FAST FORWARD. 

GOT ATTORNEY WITH THE ADVICE GIVEN BY XXXX XXXX, ASSESSOR, THEY DROPPED ME, THE WEST TN LEGAL AID, XXXX XXXX, ATTORNEY BECAUSE THIS ANTHONY GUY LIED TO HIM AND YET, TO THIS DAY CANT GET HIM ON PHONE TO EXPLAIN WHY MY CASE WAS DROPPED. 

WENT TO A TRUIST BANK AND FILED MY CLAIM FOR REDUND DUE TO FRAUD ON MY XXXX, NOT THE NEW XXXX SENT TO ME DUE TO, XXXXSUNTRUST , NOW, TRUIST, XXXX. 
I WANT MY XXXX OWED ME THROUGH LOT OF FREEDOMS FRAUD SELLING USING MY DEBIT CARD, NOW. 

Note, I had the bank manager read my reply to that info you requested, I did not take pic of completed doc sent where I wrote a note showed the ASSESSOR 'S REPORT WHERE land use # XXXX very clear and WORST OF ALL, NEVER COULD GET THEIR SECURITY TEAM TO CALL ME, TOTTALLY WRONG, I HAD ALL KINDS OF PROOF. ALSO, THE MERGER WAS TEERIBLE AND PROBABLY HAMPERED THEIR INVESTIGATIONS
Product: Vehicle loan or lease

I make my monthly payments to Hyundai Motor Finance and 3 of the 9 payments I have made has been returned stating that the payment did not go through. Each time I am required to pay a fee for the payment not going through. I pay all of my bills with the same account information and Hyundai Motor Finance is the only company that habitually returns my payments. I have repeatedly asked them to rectify the problem and they have refused. I do not want to continually make payments for them to be returned requiring me to pay additional fees that I should not have to pay.
Product: Credit card

I paid off my Citi Credit Card in XX/XX/year>. The account was in collections before I paid the card off and citi chose to end their relationship with me which I am completely in agreement with. They removed the account from my online banking the day after the account was settled. So I had no way of accessing the account any more. I considered this matter resolved since the full balance owed was paid. I found out by having my credit report pulled that there was back dated interest in the amount of {$42.00} due which I was happy to pay. Citi did not inform me of the interest due instead they charged me several months of late fees and interest on the late fees. When I called to resolve this matter and inform them of their error I was informed that they would not be waiving the late fees because I had already had fee waivers. I explained to them that this was not me asking them to waive a fee but me informing them that they have a process error. There is no communication that comes from them once the account is removed off online banking and that I was not informed of the interest owed but im happy to pay it minus the late charges. I informed them that this is unethical. They told me they couldn't help me which is a direct violation of Regulation Z.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my 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 ), XXXX U.S.C. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( XXXX ), XXXX U.S.C. 
XXXX ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), XXXX U.S.C. 
XXXX ( 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them a letter, for the said request, I still haven't received any response up to this date. Besides, the inaccurate information about my accounts are still on my report. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting on my account : XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}
Product: Mortgage

Dear CFPB, On XX/XX/XXXX I received an undocumented Foreclosure notice from Shellpoint Mortgage Service to extort XXXX in a Notice Of Intentions To Foreclose on my VA homXXXX loan if I didn't pay the alleged default amount. I want the CFPB to examine the Loan Estimate and Closing Disclosure for RESPA law violations.The loan amount can be found on my Uniform Residential Loan Application letter ( I ) Page 18 ( XXXX ) to include a VA Funding Fee 3.6 % ( XXXX ) with a total of XXXX as seen on the Loan Estimate. the Closing Disclosure that Shellpoingt Mortgage Service sent to me is not mine and I/we never signed it. This document was forged and with an unauthorized signature.Why would the loan originator have us sign the loan estimate and docusign the Closing Disclosure on the same closing date of XX/XX/XXXX. The closing disclosure cash to close XXXX is not mine, Deposit XXXX XXXX not mine and no fee for Deed and Mortgage not recorded. I have no idea where this document came from or who forged it, However it is not mine. There can be no mortgage without a final disclosure or promissory Note. If the closing disclosure amount of XXXX was finance the principle amount would be around XXXX monthly and this payment amount would be on the Note.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is regarding Equifax breaching my Privacy rights and never giving Equifax written consent to receive or furnish my personal and private information. 
I have been effected by this coding error. 
They have erroneous and inaccurate accounts on the report that is effecting my livelihood and my reputation. 
They are violating their on Sharing data policy! I never gave them or any origination consent to report my private information. This is not a dispute! 
please see attachments. 
They have violated the FCRA, FDCPA the Graham Leach Baily Act
Product: Credit reporting or other personal consumer reports

Fraud Accounts below XXXX XXXX XXXX XXXXXXXX {$0.00} - Only showing on XXXX XXXX XXXX  {$9700.00} -Only showing on XXXX XXXX XXXX $ XXXX Showing on TransUnion, XXXX, XXXX but XXXX showing differently amounts XXXX XXXX XXXXShowing on TransUnion, XXXX, XXXX but all showing differently amounts XXXX XXXX $ XXXXShowing on TransUnion XXXX XXXX and XXXX XXXX XXXX XXXX {$0.00} -Showing only on TransUnion XXXX XXXX XXXX XXXX $ XXXX Showing only on TransUnion The accounts above have been listed on my credit incorrect. The accounts have been reported to the Federal Trade Commission ( FTC ) as a result of identity theft, and I am formally notifying you that these accounts was opened fraudulently and is not my responsibility. I did not authorize or open the accounts and I have taken steps to resolve this matter, including filing an identity theft report with the FTC and law enforcement. Under 15 U.S.C 1681 c-2, the Fair Credit Reporting Act ( FRCA ) provides that if a consumer reports fraudulent activity, they are entitled to a prompt and fair investigation and any fraudulent information must be removed from their credit reports. As I have filed a formal identity theft report.
Product: Consumer Loan

With no notification, as is required by the FCRA and FDCPA, and 2 years after being filed as a charge off ( in full, without " sold to another lender '' status ), I had a collector contact me, AFTER reporting me to all XXXX credit beureaus. When I told them the request was illegal, that they had no proof of standing, and that I wanted the matter dismissed, I was threatened with a lawsuit. The company in question is Credit Solutions Corp. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX.
Product: Debt collection

This collection is damaging my. Credit its making it hard to buy my house
Product: Debt collection

Ace legal XXXXXXXXXXXX To Ace legal XXXX Today at XXXX LAST CHANCE TO SETTLE THE CASE CASE FILE # : XXXX LOAN INFORMATION PAST DUE AMOUNT - {$1200.00} CREDITOR - ACE CASH EXPRESS. 



SETTLEMENT AMOUNT - {$400.00} This email is in reference to notify you that you has been blacklisted ; your social security number and banking accounts are under investigation thru major credit bureau XXXX. You would be receiving the court papers at your mailing address as well as at employer place as you failed to make the payment as per the agreement. 



We are make an effort to several times to help you but you ca n't understand our concern so lastly here is you arrest warrant because your last chance is over is right now and we are not interested with you to resolve this matter so kindly do not waste our important and exigent time. 



We are sending your case file to our attorney as your outstanding balance has reached $ XXXX.We will also forward all your details to attorney regarding your negative approach towards your debt. In that a case you need to hire an attorney for yourself and we shall meet in the court house. 



Once its proved that you have taken loan than you have to pay the total outstanding balance as {$4500.00} inclusive all charges. 





One copy of your court papers will be forwarded to the correspondence references which were used by you when you committed the loan. 



Regards Ace Cash Services LAST CHANCE TO SETTLE THE CASE CASE FILE # : XXXX LOAN INFORMATION PAST DUE AMOUNT - {$1200.00} CREDITOR - ACE CASH EXPRESS. 



SETTLEMENT AMOUNT - {$400.00}