23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I worked with Loan originator XXXX XXXX, NMLS XXXX with VanDyk Mortgage in XX/XX/2018. 

My husband and I were in the market for a new home, but was contacted by XXXX to assist in a credit consultation offered by her mortgage company. She asked for our financial information so that she can pull our credit report to assist us with credit repair BEFORE we put in an application for a mortgage. However, NO loan application was consented or submitted at the time of our initial discussion and fact finding session. XXXX has not spoken with either my husband or myself since the initial conversation, which we had over the phone and a follow-up email in writing. 

A few weeks later in XXXX, I received a letter in the mail that stated that we were denied a mortgage loan. XXXX had submitted a loan application for a 30 year mortgage that WE did not consent, approve, or even know about. She UNETHICALLY submitted an application for my husband and I based on the information that we gave her unbeknownst to us. She should be barred from practice, as it is against the law to submit ANY loan application without the consent of the borrowers, which we did not give. 

My husband and I had NEVER intended to apply for a 30 year traditional mortgage. We were looking for a VA loan, and the term were never discussed. This is further proof that XXXX processed a loan application OUTSIDE of our approval.
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason and will not help me getting it back and going I am not sure if this is some mistake as I assume it has to be I am not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal guide frequently my email linked to my PayPal is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting that you promptly update and delete these unknown accounts This is a notice of dispute pursuant to the fair credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute. I am requesting the original contract to follow reasonable procedures to assure the maximum possible accuracy, of the information on my credit report. So, I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or handwritten verification directly from a person at that. This is the second time I have disputed this account under the FDCPA and FCRA 609 and 611, 605b please remove deleted the following account : XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX
Product: Checking or savings account

Citibank initiated funds transfer upon account closure ( acct # XXXX ) to XXXX saving account # XXXX on XX/XX/2018 ( Item # XXXX ). However, this account was closed on XX/XX/2018. Hence, per XXXX, the incoming funds were rejected and sent to XXXX XXXX XXXX who acts as a clearing bank for CitiBank 's bill pay service on XX/XX/2018 using tracing # XXXX Upon contacting XXXX XXXX XXXX, they have not been able to locate the funds and requests Citibank to issue a recall notice. 

Please do not close this complaint till I get my funds back.These funds are my only savings and is causing me lot of stress and agony. 

Attached is the letter of XXXX bank and the proof of transmittal
Product: Prepaid card

To : American Express Virtual Prepaid Card I don't remember the history of the card, but I tried to use this card multiple times over the course of 3 months. ( You can check the history of the card, the customer service agents were able to see it whenever I contacted them ) I've tried to use it at XXXX, XXXX, XXXX, and XXXX. Customer service can not help me. They just tell me to try different websites, but the card should be able to be used anywhere American Express is accepted. I have called customer service a total of 3 times already, and the last time I spoke to XXXX, who said I can try again at XXXX after XXXX. I keep trying for the full amount, but XXXX has done an authorization charge, before processing my order and keeps telling me that I need to change my payment method. This is unacceptable, as the virtual prepaid card should be equivalent to cash but I can't use it anywhere.
Product: Debt collection

Hello, XX/XX/, I requested a settlement for the amount due to prosper loan. I was told there is a settlement amount of XXXX that is due. The amount was not reflect correctly on prosper.com website. I communicated via email and now received letter via mail from 3rd party company. 

Tried to call received no answer I believe due to high call volume. Overall, I do not owe the amount displayed on bill and website. In addition prosper is reporting to credit bureau incorrectly with the incorrect amount. 


Letter, also says I paid XXXX towards balance in which is highly incorrect more that XXXX was paid during the duration of this loan. Unfortunately, I experienced unforeseen circumstances that prevented me from making payments ; in which, as expressed upon completion of settlement amount that was created XX/XX/XXXX
Product: Debt collection

I have written Arcadia Recovery several times, and disputed the current account multiple times with the credit bureaus and Arcadia. Arcadia has never sent me anything at all. This is a violation of the FDCPA, they have to validate the debt at my request. They used to have multiple accounts with the exact same account number reporting and have corrected that with the credit bureaus, but still have sent me nothing at all. This is ridiculous!
Product: Debt collection

I reported this company in XXXX XXXX XXXX XXXX by a different name. They changed the name of their company to Ability Recovery Service, but it's the same {$1300.00} medical bill they fraudulently charged me for then. I have never been to a hospital in Mississippi EVER. Please stop allowing them to send fraudulent charges to collections and affecting my credit score. This is ridiculous.
Product: Mortgage

XX/XX/XXXX Written Notice/Request for ( Copies And Originals Returned To -Me ) : Documents Filed/Recorded - for XXXX XXXX XXXX , XXXX ( Release ) bearing Date XX/XX/XXXX ( SECOND MORTGAGE ), AND - FIRST MORTGAGE ( RECORDED ) ( Release ) bearing SAME Date XXXX - ANY AND ALL DOCUMENTS, - PLUS- ORIGINALS -ALL-RETURNED TO ME, AS REQUIRED MY LAW WHEN " SATISFIED '' THE " NOTE '' WILL BE MARKED PAID/FULL/SATISFIED AND RETURNED TO " borrower ''. *As of today XX/XX/XXXX = 25 days has past- and still have No response or requested items Returned to me.
Product: Checking or savings account

There were several transactions to a site that took my money and then blocked me from using site. I then requested refund site refused. I disputed all transactions. XXXX XXXX aka current approved one transaction and declined the rest as they are all for the same reason with same proof provided. Does not make sense at all! I need help getting my disputes resolved
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted Transunion multiple times and submitted a complaint on consumerfinance.gov on XX/XX/2022 case id : XXXX Still no resolution on improper use of my credit report with hard inquiries The credit bureau trans union has violated my rights as a consumer by improperly using my credit report to furnish hard inquiries without my permission, neglected to resolve issue and has not done so in a timely manner even with a current complaint with Transunion.

15 U.S.C 1681 Section 602 A states I have a right to privacy 15 U.S.C 1681 Section 602 A section 2 it also states A consumer reporting agency can not furnish a account without my WRITTEN instructions
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits and ultimately due to the non sufficient funds my account was closed and now its in my credit. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Student loan

I have had navient and was never properly advised for my best recourse. I also payed and they would state it was late or not paid, which ruined my rating. My attempt to contact is never responded to. I am drowning in debt and navient keeps finding new ways to increase my interest so no matter how much I did pay, I was always owing more.
Product: Credit card or prepaid card

During the past week I had visited my local bank. Upon checking my credit report. I had come to realization that my ( Discover ) card had been closed, increasing my credit usage to a 980 %. I had not received an email or letter in regards to this, and I have not missed any payments on my card. Thus, I contacted ( Discover ) to find out why this had happened, and if I could have the issue resolved. I was told by costumer service that an email and mail was sent, both of which I had not received, as well as I was called once, and a voicemail was left, which I have never heard of a banking enterprise only calling a customer once. The personals stated that a verification was needed for my account without any reason. I was made aware that my card could not be reopened, and there is nothing that can be done. I found this to be very unprofessional and unjust as I now have to bear with the after effects in my day to day life, wile, remaining consistent in my payments. To this day I have not received a acceptable response.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc. ) due to inadequate Customer service and unfair practices, which 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 process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seven years ago, I had a single, protracted, but continuous delinquency event with a XXXX XXXX XXXXXXXX mortgage that was opened in XX/XX/XXXX. The delinquency began in XX/XX/XXXX and ended in XX/XX/XXXX. That account was subsequently closed and transferred to another lender in XXXX. 
Over the last 7 years, this delinquency has been reported as described above on all three credit reporting agency files, however, 4-5 months ago Trans Union chose to remove the account status reporting for this account only, for the period XXXX through XXXX of XXXX. This makes it appear that this delinquency commenced in XX/XX/XXXX, and thus eligible for removal in XX/XX/XXXX. XXXX has subsequently taken the same action 2 months ago. 
However, it is clear that this reporting is inaccurate, since their own records show the status of the account in XX/XX/XXXX, was already at the maximum 120 day late status. 
The FCRA rules require that this delinquency be treated as a single continuous event, and thus should be removed from my credit report, seven years after the commencement of the delinquency, which would be XXXX or latest XX/XX/XXXX. It should therefore have been removed from the report in XXXX or XX/XX/XXXX. 
I have repeatedly contacted both credit reporting agencies as well as XXXX XXXX XXXXXXXX on this error, but have been unsuccessful in getting them to correct it. 

XXXX XXXX XXXXXXXX claims that they are accurately reporting the account status, while Trans Union is stating that XX/XX/XXXX is the first notification of delinquency that they received on the account from the lender. Yet earlier versions of the credit report clearly show the delinquency being reported in XXXX through XXXX of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau date the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have repeatedly requested the address XXXX XXXX XXXX XXXX XXXX, NY XXXX , to be REMOVED and provided my 6-generation address of XXXX XXXX XXXX, NY XXXX, to be corrected and remain on the report. All three credit bureaus refuse to acknowledge it.
Product: Debt collection

Back onXX/XX/2017 i submitted a complaint with CFPB in regards to my the invalid debt of the account associated with Hunter Warfield. They corrected the debt owed reporting to the 3 credit bureaus. As of today, they are incorporating interest on a debt that has a firm amount owed in which it is XXXX. The other account with XXXX XXXX is currently at {$830.00}, which is still stating I owe {$1000.00}, which is being reported. I came to a monthly agreement on a 24 month payment plan in the amount of XXXX, until debt is satisfied.
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 NUMBER : 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 : NAME OF ACCOUNT 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 CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

I am submitting this request to remove the inaccurate address from my credit report. The address listed below does not belong to me and should be removed from my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or a list of Inquiries : 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 : 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 or 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: Checking or savings account

XX/XX/2023 the ATM gave an error message and timed out. It took {$100.00}. It proceeded to the next ATM and withdrew funds again. I went to guest services to explain what happened after I logged on and realized the funds went through. I've been on the phone with three different representatives and they never issues provisional funds. I also emailed 5 times and they said I had to wait until the investigation was conducted. They denied my case with little to no explanation. I asked to escalate the issue and they had closed the case. They have not sent me proof of denial or how they concluded the following. 

Date Submitted : XX/XX/2023 Disputed Amount : {$100.00} Dispute ID : XXXX Date Amount Transaction Description XX/XX/2023 {$100.00} XXXX, XXXX, FL XXXX, {$6.00} Surcharge We have completed our research regarding your dispute and have determined that no error occurred. 
Please be aware that you have the right to request copies of the documents that we relied on to make our determination. 
We apologize for any inconvenience that this situation may have caused. Please feel free to contact our Customer Service Department at XXXX or visit support.creditkarma.com if you have any further questions or need any additional information. 
Thank you for banking with Credit Karma.
Product: Debt collection

Portfolio Recovery Associates owns an account of mine purchased from XXXX XXXX, account # XXXX. They have listed this same account on my report twice once under Portfolio to XXXX and the other as XXXX XXXX to XXXX with variation of the same account number. I have disputed this several times and it has not been corrected. This has caused me to be denied for credit! Additionally, the instance reported to XXXX is factoring as an open account when it is a collection! This violates the FDCPA and because it does if it is not removed I will sue!
Product: Credit reporting or other personal consumer reports

I am filing this complaint against TransUnion for willful noncompliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), due to their refusal to remove the XXXX XXXX account from my credit report. Despite being provided with clear and indisputable proof that this account was inaccurately reported, TransUnion has failed to take corrective action. 

Key Issues 1. Failure to Correct Inaccurate Reporting I submitted evidence to TransUnion, XXXX, and XXXX, proving that all three credit bureaus were reporting conflicting and inaccurate information regarding the XXXX  XXXX account. 
XXXX and XXXX have since corrected the errors and removed the account from my credit report, acknowledging the inaccuracies. 
TransUnion has refused to take the same corrective action, despite being presented with the same proof. 
XXXX. Violations of the Fair Credit Reporting Act ( FCRA ) Failure to Remove Inaccurate Information ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ) TransUnion failed to conduct a proper reinvestigation after being provided with proof of inaccuracies.

Willfully Reporting Inaccurate Information ( 15 U.S.C. 1681e ( b ) ) TransUnion continues to report false information, despite XXXX and XXXX removing the account for being inaccurately reported. 
Failure to Ensure Maximum Possible Accuracy The conflicting data across credit bureaus proves TransUnion is knowingly misreporting this account, in direct violation of the FCRA. 

Harm Caused by TransUnions Actions Severe Credit Damage The inaccurate reporting of this account has negatively impacted my credit score, making it harder for me to obtain credit.

Emotional and Financial Stress I have been forced to dispute this account multiple times, causing unnecessary frustration and hardship.

Violation of My Consumer Rights TransUnions refusal to follow federal law has deprived me of my rights under the FCRA, while XXXX and XXXX have complied.
Product: Debt collection

I was asking the company to send me proof of my signed agreement with this debt and never received it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion and XXXX are not investigating my disputes. US DEPARTMENT OF EDUCATION accounts on TRANSUNION and 6 unauthorized INQUIRIES on XXXX are not being shown as being DISPUTED
Product: Credit reporting, credit repair services, or other personal consumer reports

- I submitted a request on XX/XX/14 for myself and for my wife. 
- My wife 's record was deleted that same week - During the week of XX/XX/14, the Creditor said they have deleted/ closed the account on their end and send weekly updates to the credit bureaus. 
- I have called TransUnion several times since XX/XX/14 to understand the specific state in-which my dispute is in ; so that I can better understand if it is in queue, being reviewed, etc. 
- TransUnion has repeatedly said only that is in-progress and shared the usual time it takes to resolve a case ( 30 days ).
Product: Credit reporting, credit repair services, or other personal consumer reports

MY IDENTITY WAS USED WITHOUT MY KNOWLEDGE AND CONSENT AND SOMONE OPEN SEVERAL FRAUDULENT ACCOUNTS WITH MY PERSONAL INFORMATION I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Mortgage

This is in reference of foreclosure action that have been taken against my property at XXXX XXXX XXXX, XXXX XXXX  XXXX, This action it is unlawful do to the fact that all the documents submitted to start that action they have been copies and the original promissory note and mortgage never was submitted presented to the court that constitute violation under the law, in fact, none of the parties have legal standing or legal right to bring any legal action against me my wife in reference of the property mention above, that been set I am requesting to CFPB to investigate in to refer my case to XXXX, FEDERAL TRADE COMISSION for violation of the Fair Credit Reporting Act Previous account number : XXXX Current account number : XXXX Mr. Cooper on XXXX has express true representative XXXX about XXXX XXXX XXXX XXXX XXXX that this company it is not in possession of the documents that I requested the RESPA, TILA, HUD1.