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

I am a victim of Fraud/ID theft my personal information was used to open a car loan/lease with XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX opened was XX/XX/2016. I have filed an Identity theft report with the XXXX  XXXX XXXX division Identity Theft report # XXXX. I have contacted XXXX in reference to this as well as disputed this with Experian Report # XXXX. The error was not fixed on my report instead the removed my existing car loan from my credit!. The bureaus employ people from XXXX that do not even know how to help me with this issue. I am including a written statement, Identity theft report and proof of my identity, and proof of the theft as stated in the FCRA XXXX ( b ). I have included applicable statutes in the desired resolution section. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I finally logged into my XXXX  yesterday XX/XX/XXXX and I noticed 8 inquiries that should not be there. I already sent in a few for XXXX   and XXXX  but there are a few more on my XXXX  that should not be there. This all happened around the same time, on XX/XX/XXXX or XXXX. There was one for XX/XX/XXXX as well. Please let me know what are the proper steps in taking these off.
Product: Checking or savings account

On XX/XX/XXXX, I made a mobile deposit for a check for {$900.00}, I didn't notice it was XXXX and beyond the cutoff. I called custo.er service to cancel, so I can cash the check the next day, as I need the money and Monday is memorial day. They said it will be available by Tuesday. They say they can not cancel it. Then, I notice, I haven't put mobile deposit at the back of the check, so I cash it the next day since they will not honor it. I cash it and got the cash. Tuesday came and I verify, there was no credit so I assumed they did not process. I was also expecting {$1000.00} from a friend that she will send through XXXX. Then I didn't know that by wednsday they credited it back, I thought that was the money I was expecting. In short, I overdrafted because they reverse it the following day. I will pay back the XXXX but they should not bill me with so much overdraft fee. They pulled out past transactions that were already booked but qualifies as an overdraft and charge me with the fees. Those are 3 days ago transaction and should be good. This practice of Wells Fargo is not right. You can not pull booked transactions and charge it overdraft fee, because that transaction was legit and has funds. Imagine the millions of customers being charged by this operandi of Wells Fargo. Please make a through investigation on this scam. This is not a proper accounting.
Product: Credit reporting or other personal consumer reports

I reached out to XXXX XXXX XXXX I spoke with XXXX XXXX I stated to her that one of my workers fraudulently took a loan with my social security number I asked her to provide me validation of this loan she said that she couldn't provide me with a promissory note I signed furthermore XXXX XXXX XXXX is not the company who provided the funds for this fraudulent loan of XXXX but is reporting for XXXX opened XX/XX/year> Account # XXXX this is a clear violation of FCRA codes I need this account removed from XXXX as soon as possible also my info my be part of a data breach by XXXX.
Product: Mortgage

I do Not Know who was the Foreclosing Entity, I can not and have not received the information on who is the Holder in Due Course of the Note, Loan. 
The Wrong Entity has Taken an Action it was not Legally entitled to take a Violation of 15 U.S. Code 1692e - False or misleading representations. 
CIT Bank shows Transferred on XXXX/XXXX/2012 but does not show to Who? 
How Much was Transferred? See Exhibit attatched
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX  - Account Number : XXXX Account Name : XXXX - Account Number : XXXX  Account Name : XXXX XXXX XXXX - Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX  NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$2300.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Mortgage violated federal laws regarding the CARES ACT Forbearance and VA Partial Claim in that they charged unlawful late fees and other erroneous fees to my federally backed VA mortgage before and after the VA Partial Claim - even though my mortgage was never late, and then XXXX XXXX XXXX Mortgage reported on my credit reports for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX that my mortgage was late, delinquent, and past due between 120-149 days as of XX/XX/XXXX ( which is fraud and lying as I was current on my mortgage when I received the CARES ACT Forbearance in XX/XX/XXXX and through XX/XX/XXXX ). XXXX XXXX XXXX Mortgage then issued a threatening letter in XX/XX/XXXX - after receiving the VA Partial Claim payment in XX/XX/XXXX that if I didn't pay late fees and other erroneous fees by XXXX XX/XX/XXXX then they would call the entire loan balance due and begin foreclosure proceedings. We disputed these late fee and erroneous fee amounts and stated this was in violation of federal law, but we paid the fees with the request that the fees be refunded. XXXX XXXX XXXX Mortgage continues to assess late fees and erroneous fees during the time in which the mortgage was protected by the CARES ACT Forbearance - thus continuing to violate federal laws with regards to the CARES ACT Forbearance, VA Partial Claim agreement, TILA, FCRA, RESPA, FDCPA, while engaging in Fraud, Lying, Extortion, Racketeering, and Conspiracy to Commit. XXXX XXXX XXXX Mortgage illegal actions and violations of the law caused me harm as my credit report suffered by losses at and over 100 points in XXXX, XXXX, and XX/XX/XXXX. My VA mortgage account number with XXXX XXXX XXXX Mortgage is XXXX. XXXX is the parent company of XXXX Mortgage and their contact number is XXXX. U.S. Government Official - VA Official XXXX XXXX has evidence to support and substantiate this claim and his contact information is ( XXXX ) and his telephone number is XXXX option XXXX, then option XXXX - extension XXXX. This information regarding violations of federal law and criminal activity by XXXX XXXX XXXX Mortgage was reported to the FBI as of XXXX XX/XX/XXXX, as they are engaged in a conspiracy with XXXX XXXX XXXX XXXX, XXXX ( the former mortgage company between XX/XX/XXXX - XX/XX/XXXX ). The victim, a 100 % XXXX Combat Veteran can be contacted by telephone at XXXX or by email at XXXX or by mail at XXXX XXXX XXXX, XXXX, SC XXXX. ///NOTHING FURTHER TO REPORT///
Product: Checking or savings account

When released from the hospital I noticed there were many unauthorized transactions equaling to the amount of XXXX. I filed a police report and called my bank to start a dispute. No less than XXXX hours it came back as the investigation denied! I provided them with the police report as well as hospital paper work, showing that the charges could not have been me! This is negligent and unacceptable! I work hard for my money and would like to be issued my funds back immediately as I provided the proper paper work asked and I never received the investigation Information before I take legal action.
Product: Checking or savings account

On XX/XX/23 I opened an account with US Bank ( account # XXXX. I was promised a {$500.00} bonus if I kept the money there for 60 days. I signed up for e-statements. They sent me a paper statement and charged me {$6.00}. That would make me ineligible for the {$500.00}. I called them, they reversed the charge and I was told it would not affect my bonus. After 60 days I called and they said I was not eligible for the {$500.00} because the balance went under the {$3000.00}. I have called them at least 10 times trying to fix this. I feel they purposely sent me a statement so they would not have to pay me and then they lied about it. I would like my {$500.00} as promised.
Product: Bank account or service

Synchrony Bank mails customers statements of certificates of deposits ( CD ) balances and interest credited once a month. Bank credits interest monthly by individual CD date, but provides only a single statement for all CD 's in the customer 's name once a month. For CD 's with interest credit dates after the current month statement date, customers have to wait for the next month 's statement to verify the interest earned in the prior month. 

This reporting method results in a disconnected process and burdens the customer with extra work to reconcile accounts. The current system is new. The prior system handled the different CD interest credit dates so that the monthly statement showed interest credited through the statement date for all CD 's. 

This problem has been confirmed with the bank. Their answer is that this is the way the system works. The purpose of submitting this complaint is to raise awareness for the bank to take corrective action.
Product: Credit reporting or other personal consumer reports

I have contacted Chexsystem and XXXX XXXX serval times disputing the information that is displayed on their report regarding me. I have sent them an FTC report regarding this XXXX XXXX XXXXXXXX account that is reporting on my credit report. 

Chex System or XXXX XXXX XXXX  have not acknowledged the Debt validation or verification letters that I have sent to them. 

I do not feel as if they have abided by the FCRA laws. 
15 U.S.C. 605B : Under this provision, I am requesting that you block the reporting of any information that I believe resulted from identity theft. Attached is a copy of my identity theft report ( police report or FTC Identity Theft Affidavit ), which provides the necessary documentation. The disputed information must be blocked within four business days.

15 U.S.C. 1681e ( b ) : This section requires credit reporting agencies to follow reasonable procedures to ensure the maximum possible accuracy of the information they report. The inaccurate late payment or other erroneous information on my report does not meet this standard. I am requesting that you reinvestigate the accuracy of this information and ensure that my credit report is corrected accordingly. 

15 U.S.C. 1681n : As this may represent a willful violation of the FCRA by allowing inaccurate information to remain on my report without proper verification or reasonable procedures, I am notifying you of potential legal consequences. If this matter is not resolved promptly, I reserve the right to pursue statutory damages of {$100.00} to {$1000.00} per violation, punitive damages, and recovery of attorneys fees and court costs.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violated 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

According to the FCRA, it is a violation to report inaccurate information on a credit report, Under the FCRA section 623, it is a violation for the bureaus to still report inaccurate information aften being provided proof of inaccurate reporting, and they can be sued for the extent of damaged incurred by the wrong party. Furthermore, under FCRA section 605 ( C ) Running of the reporting period, if a creditor, collection agency or CREDIT BUREAU try and RE-AGE your account by updating the date of last activity on your credit file in the hopes of keeping negative information on your account longer it is a violation punishable by {$1000.00} in fines I have enclosed copies of my credit report, and on all the " alleged collections, because they have not been validated by the collection company, ALL the dates of last activity has RE-AGED According to the FCRA, a collection account is suppose the reflect the last date a payment, XXXX, Experian and XXXX are in violation of my rights and is subjected to a law suit under these laws Furthermore, i have enclosed in my letter that there are unauthorized inquires that i do not recognize, and they are required ti provide proper verification under the FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one. 

Any one who pulls my credit without permissible use can be fined {$1000.00}
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally request assistance regarding a matter with the three major credit bureaus ( Experian, XXXX, and XXXX ) and the inaccurate reporting of an account on my credit report. 

The creditor associated with XXXX XXXX issued an IRS Form 1099-C for the account, which signifies that the debt has been canceled. Despite this, the credit bureaus have not updated my credit report to reflect the corrected account balance of {$0.00}. This account has been paid off, and the balance should reflect accordingly. 

To address this issue, I have taken the following steps : Contacted the Credit Bureaus : I filed disputes directly with the credit bureaus on, but the reports remain unchanged. 
Provided Documentation : I submitted proof to the credit bureaus, including a copy of the IRS Form 1099-C and any communication with the creditor. 
Despite my efforts, the account information remains inaccurate, negatively impacting my credit score and financial standing. 

I request the Consumer Financial Protection Bureaus assistance in ensuring the credit bureaus comply with the Fair Credit Reporting Act ( FCRA ) and accurately update my credit report to reflect the canceled debt and {$0.00} account balance. 

Enclosed, I have included copies of the following documents for your reference : I copy of my IRS transcript Thank you for your attention to this matter. I trust the CFPB will assist in resolving this issue promptly. 

Sincerely, XXXX XXXX
Product: Debt collection

I paid a collection with XXXX and now i have a collection on my credit report from a different company for the something that i already paid. I've tried to remove the item from my credit report but not had success.
Product: Credit reporting

I checked my TransUnion credit report in XXXX XX/XX/2016 and i had only XXXX hard inquiries. When i checked my credir report after 2weeks, there 's XXXX hard inquiries.. I tried to call TransUnion several times since XXXX XXXX, 2016 but the customer service are not helpful and keep on saying I need to call each creditor one-by-one to remove it.. Im affected with the transUnion glitch and transunion should be willing to resolve these.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act and XXXX Account # XXXX. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING Inquiries from Transunion... XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL has violated my rights. 15 U.S.C. 1681 section 602 A. states I have the right to privacy. 15 U.S.C. 1681 section 604 A. Section 2 also states a consumer reporting agency can not furnish a account without my written instructions. I DEMAND THAT ALL ITEMS BE REMOVED EFFECTIVE IMMEDIATELY! AS I HAVE PROVIDED ALL LEGAL DOCUMENTATION VALIDATING THE INACCURACIES OF MY CREDIT REPORT DAMAGING MY LIFE.
Product: Debt collection

National credit adjuster is contacting me email about a debt I know nothing about and threatening to sue me in court. They are violating FDCPA rules by not providing proof of the debt other than to say I owe it and also the mini Miranda isnt on any email they have sent out this far. I can provide other emails Id needed. I have three emails. This is possible scam because of the poorly written email.
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$2200.00} US DEPT ED XXXX Balance : {$980.00} US DEPT ED XXXX Balance : {$1000.00} US DEPT ED XXXX XXXX : {$680.00} XXXX XXXX XXXX XXXX Balance : {$1300.00} US DEPT ED XXXX Balance : {$1900.00} XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$3300.00XXXX XXXX XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to you to request the removal of inquiries on my credit report. I have reviewed my credit report recently and have noticed that there are several inquiries that I do not recognize and that were not authorized by me. Below, XXXX detail the information necessary for them to process my dispute request. 

The inquiries in question are the following : XXXX XXXX ( XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 ) I am not aware of these inquiries and do not believe they are legitimate. Therefore, I request that they be removed from my credit report as soon as possible. 

I am attaching to this letter a copy of my credit report showing the inquiries I am disputing. I have also highlighted the inquiries in question in the attached copy to facilitate their identification. 

I appreciate your attention to this matter and hope that I can resolve this dispute in my favor. Please let me know if you need more information or documentation from me.
Product: Money transfer, virtual currency, or money service

I am filing the nature of this complaint the 3rd time. the two cases have been closed as the Capital One bank promised they did not fulfill their promises as noted in the two letters to contact the POCs. My bank ( XXXX ) and I, we called the POCs listed many times and no calls to date. CID # XXXX POC : XXXX, letter dated XXXX XX/XX/XXXX and XXXX POC : XXXX, letter dated XXXX XX/XX/XXXX. 

Finally, I reached out to Capital One bank and logged a complain citing these two letters and the supervisor called me on XXXX XX/XX/XXXX after 45 days of my call and she provided me with the fax and email address where to send Hold Harmless Letter. My bank send a letter to Capital One bank on XXXX XX/XX/XXXX and the second one XXXX XX/XX/XXXX ( attached fax sheet ) has the email address and fax number where the letter was faxed and email per direction from XXXX - Employee ID # XXXX. 

Capital One please settle this account with all the problems you have given me for over a year to return my wire transfer. 

I can be reached at XXXX and my cell phone number : XXXX. 

Thanks, XXXX XXXX
Product: Mortgage

Our mortgage was transferred from XXXX XXXX to Shellpoint Mortgage Servicing effective XXXX XXXX, XXXX. Our property taxes and homeowner 's insurance are paid via escrow. Under the terms of our mortgage, Shellpoint is contractually obligated to timely pay both the homeowner 's insurance and property taxes. As part of the mortgage transfer, XXXX did not receive the property tax bill from the Town of XXXX, CT so I provided a copy of the tax bill immediately once the loan was activated in Shellpoint 's system ( on XXXX XXXX, XXXX ) and subsequently called multiple times to inquire regarding payment status and ensure that the first payment of our property taxes would be paid by XXXX XXXX, XXXX ( they were actually due on XXXX XXXX, XXXX and should have been paid in conjunction with the transfer of our mortgage ). I followed up with multiple phone calls on payment status and received repeated assurances from Shellpoint that the taxes would be paid by XXXX XXXX. I also continued to monitor our escrow balance at the end of XXXX and in early XXXX, noting that the escrow balance on our account never decreased, which indicated that no tax payment was ever made by Shellpoint. 

On XXXX XXXX, we received a late notice from the Town of XXXX, CT, indicating the the taxes still had not been paid and assessing late payment interest, despite Shellpoint 's repeated assurances to that effect. We immediately contacted Shellpoint to complain and make sure the taxes were remitted immediately. After several phone calls on XXXX XXXX, we were finally able to secure a commitment that the tax payment ( plus interest charges ) were going to be paid and sent out for overnight delivery to the Town of XXXX, CT XXXX Collector via XXXX. It is now XXXX XXXX and the tax payment still has not been received by the Town of XXXX, CT Tax Collector. I called Shellpoint again today and the response I received from the Customer Service Supervisor was that " they will contact the Shellpoint Tax Department to determine what happened. '' This is completely unacceptable and in violation of the terms of our mortgage agreement. Shellpoint is legally obligated to pay our property taxes on a timely basis and it has failed to do so. 

To make matters worse, during today 's call with the Customer Service Supervisor, I also had to instruct Shellpoint to fix the payment date for our second property tax payment. Shellpoint had the payment scheduled for XXXX XXXX, XXXX when, in fact, the real estate tax bill they have on file clearly indicates that the second payment is due on XXXX XXXX, XXXX. Given the issues with our property taxes thus far, we have no confidence whatsoever that our XXXX XXXX property tax payment or next year 's homeowner 's insurance payment will be made timely by Shellpoint.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX I opened a XXXX  account which I used for my business and savings. 
And it was closed on XX/XX/2023. 
And then XXXX sent a check over on XX/XX/2023 and usbank cashed out the check on XXXX XXXX. 
I then opened an account with usbank after receiving the check on XX/XX/2023 I had to wait till XX/XX/2023 before the money was available and then when I tried to do a wire from my money usbank closed the account and promised to send me a cashier check after 15 days and then its been 35days and usbank have refused to give me my money or send me a check and they keep saying the check from XXXX was fake. 
I had to contact XXXX and they sent me an official letter and instructed me to ask usbank to contact them for confirmation which I told usbank but they refuse to contact XXXX and kept saying my check is fake and they have seized my {$58000.00} They sent XXXX XXXX  statement and it clearly showed that my money is in the account but they refuse me access to it so please help me I want my money or a cashier check Down there is the check slip from usbank