23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Case Number XXXX Second Case Number that has been provided XXXX This is the second time I am writing to express my dissatisfaction with the inadequate response I received from Flagstar Bank regarding my recent complaint. I am hopeful that your department will take the necessary steps to thoroughly investigate and validate my concerns. As a person with a XXXX, I believe that my civil rights have been violated through discriminatory practices by Flagstar Bank Mortgage Loan. 

Please find the attached letter in which I have detailed my complaint. This should provide you with the necessary information to determine the wrongdoing committed by Flagstar Bank. 

My history with Flagstar Bank demonstrates a consistent and responsible payment record. I have never been late on any mortgage payment, whether it was for the FHA Mortgage Loan that I diligently paid for approximately 3-4 years, or the refinance loan approved in XX/XX/2021, which we obtained due to our excellent credit history. Furthermore, we have previously provided the same payment information for a home equity loan, which was used to our satisfaction. 

Unfortunately, during the recent application process for a mortgage loan, Flagstar Bank informed me that the income I receive from my Payee would not be considered valid. This decision, which I have contested in the attached letter, seems arbitrary and discriminatory. 

As a result of Flagstar Bank 's actions, we were forced to obtain a mortgage from XXXX two weeks later, with a higher interest rate. Consequently, I believe that I am entitled to both restitution and an adjustment in interest rate to reflect what should have been offered by Flagstar Bank. 

Please review the attached documents for further information and kindly assist in resolving this matter. I trust that your department will take the appropriate measures to ensure that justice is served, and that a fair and equitable solution is reached. 

Thank you for your attention to this matter, and I look forward to your prompt response. 

Sincerely, Consumer Financial Protection Bureau
Product: Debt collection

TransUnion LLC Consumer Dispute Center po box XXXX XXXX, PA XXXX XXXX Transunion is XXXX false collections on my report Im a victim of XXXX XXXX XXXX and XXXX breach also XXXX Breach XXXX and XXXX data. XXXX  breach and the list of others I have an extended fraud alert for XXXX  years due the incompetence bureaus XXXX 's XXXX address for dispute requests is : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX You can also file a dispute with XXXX by phone at XXXX ( XXXX ) or online.
Product: Credit reporting or other personal consumer reports

It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me. Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15. You have 30 days from the date that you receive this letter to provide me with the information that i am requesting. If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would time fore request that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( Equifax, XXXX XXXX XXXX or all that apply ) and update the accounts to positive. Please forward any changes to my account to the address below. Thank you for your time and consideration in this matter. I look forward to hearing back something positive. these accounts need to be removed from my file within 4days undert law section 605 B CFCU 8,041 CFCU 1,165 CFCU 9,793
Product: Checking or savings account

Please refer all my complaints about Keybank. I have a checking and savings bank account with Laurel road bank. It's Keybank. I have my salary direct deposit in this account. Since XXXX XX/XX/2023 I am not able to access this account. Whenever i tried to login I am getting this message : This is the message I am getting Your Online Banking account is restricted. To verify your identity and gain access, please call us at XXXX XXXX XXXX XXXXXXXX that i need to call the bank. As I have two bank account with Laurel Road XXXX Keybank. Checking ending in XXXX and saving ending in XXXX Today I received this letter from Keybank that they closed my account and sent me a check for {$10000.00}. I asked them to provide me all the statements as I am not able to access it online. Keybank hasnt provided me the statements till this point of time. I want to make sure that my direct deposits from employer happened on time and right amount. Plus I also want to see whether I got my {$300.00} cash back bonus or not plus whether Keybank applied interest correctly or not?
Product: Checking or savings account

Chime has fraudulently had an account opened in my name and the confirmation address was XXXX, FL. 

I did not open any such account. 

Now I am being sent a debit card.
Product: Credit reporting

On XXXX/XXXX/15, my credit report was pulled by a company called " XXXX XXXX '', this firm pulled my report both from XXXX and Experian. This company is listed under " Mortgage Reporters ''. I have not applied for any credit on or about this date and have not authorized any firm to retrieve my credit report on or around this date.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I received a call and email from my mortgage provider/service provider XXXX Mortgage ( XXXX XXXX ) to refinance. I said i am not interested. The next day XX/XX/2019 at around XXXX am I received another call from a different rep. I can not talk they should call me back, soon after that they ran a credit check. When I contacted the company they told me that i gave consent because when I told Him he should call me back he said I will call you back at XXXX I am going to pull up an updated mortgage statement and a credit check and I answered OK which literally meant OK you can call me back. 

Where was my signature? They want me to take a NEW loan, which mean it is a new business relationship and it has nothing with my old load they would need to have written consent. 

I believe it was a fraud, i told them I don't want to refinance, so they sent a more aggressive agent, when he called I said I can not talk, which I couldn't then he mentioned some words which you can guess i wasn't listening because I couldn't talk that time. Now they say I gave consent. I think it is ridiculous and my credit check should be removed from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was decline for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. 

XXXX/XXXX  XXXX {$0.00} XXXX XXXX XXXX {$2500.00} XXXX XXXX XXXX {$780.00} XXXX  XXXX XXXX {$430.00} XXXX   XXXX  XXXX {$150000.00} XXXX XXXX {$110.00} XXXX XXXX XXXX {$1000.00} XXXX  XXXX XXXX {$1600.00} BANKRUPTCY-DISCHARGED XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

Ive been disputing hard inquiries and collections on my credit report. All of them are already paid in full. I want all hard inquiries and collections removed from my credit report. Experian is the company.
Product: Debt collection

XXXX XXXX group leaving messages at my home and work stating that if I did not call them back to set up time for them to serve me papers that they would pursue a legal action against me. They even threatened to visit my place of employment. This is on a credit card debt from 2008. After paying {$380.00} to XXXX XXXX I received paperwork from another debt collection agency XXXX XXXX XXXX attempting to collect on the same debt. I believe I was scammed by XXXX.
Product: Credit reporting or other personal consumer reports

I trust this correspondence finds you in good health. I am writing to bring to your attention a troubling discrepancy within my credit report concerning late payments associated with my account. Upon meticulous review of my report, I have identified instances where late payments have been inaccurately recorded, adversely affecting my credit standing. Upon contacting the bank linked to this account, they acknowledged a fault on their part. They have committed to rectifying the error by updating and amending my account to accurately reflect my payment history. They attributed these inaccuracies to a system glitch that led to the erroneous reporting of late payments. It is perplexing to me that while other credit bureaus have already rectified the status of this account, your bureau continues to report this late payments. This disparity in reporting raises doubts regarding the verification protocols employed by your bureau to ensure the precision of reported information. 

XXXX XXXXXXXX
Product: Vehicle loan or lease

We been paying our monthly payments and even though I told them if they can put the rest at the back end as ares like most banks do but they wouldnt
Product: Credit card or prepaid card

This is a complaint against Bank of America ( BoA ) for negligence in the balance transfer transaction made in XX/XX/XXXX. Details are set out below : For several years now, I have had a credit card issued by BoA. In XX/XX/XXXX, BoA offered me a 0 % interest for higher interest balance transfers. At the time, I had a XXXX account balance and I decided to use BoAs offer to pay off some of the XXXX outstanding balance. I provided BoA with all the XXXX account details and BoA wrote a check ( No. XXXX ) dated XX/XX/XXXX for {$1800.00} and sent it to XXXX. 
After a reasonable amount of time, I checked my XXXX balance and noticed that {$1800.00} had not been credited. I called XXXX Customer Service, after many questions, the representative indicated that the above mentioned check had not been received. 
Next, I called BoA and they confirmed that XXXX had in fact received and cashed the check on XX/XX/XXXX and a photocopy of the check was provided. 
Since then, the long and tiresome phone calls and inconsistent responses from both sides began. Both entities kept sending me back and forth indicating that I should deal with the other one. 
Meanwhile, while the investigation was underway, XXXX credited {$1800.00}, indicating that the credit may be reversed if the payment can not be located, which it did. They did not find the payment and reversed {$1800.00} from my XXXX balance. 
Throughout the year XXXX and part of XXXX, I made many calls to both entities and the answer was always the same. I managed to get an appointment for XX/XX/XXXX with a BoA representative, XXXX XXXX XXXX at the Branch in XXXX, XXXX VA. The meeting lasted for about XXXX hours during which the representative made several phone calls and finally said that there was nothing BoA could do because they had proof that the check was received and cashed by XXXX and that, for them, the case was closed. I asked XXXX XXXX to provide me the outcome of the meeting in writing. XXXX XXXX indicated that he would send me a letter in that sense but a formal letter from BoA was such letter was never received. 
I waited for months to be contacted by either party, hoping that any of them will finally locate the funds. No one contacted as of today. 
In order to avoid any damage and maintain my excellent credit, I paid back the {$1800.00} to BoA, money I never received. This event has caused me a great stress and tremendous financial loss. 
I wrote to the Office of the Attorney General of Virginia requesting to evaluate and investigate this consumer complaint. The Attorney Generals office replied indicating that, based on the information provided to them, the Consumer Financial Protection Bureau ( CFPB ) has jurisdiction over my complaint. 
I did submit a complaint through CFPB against XXXX represented by XXXX XXXX. The result was that XXXX XXXX, on behalf of XXXX, indicated that this payment has not been received or cashed and recommended that I contact the bank that issued the check, which is Bank of America, and request that the payment be reversed.
Product: Consumer Loan

I financed a vehicle from XXXX who also goes by XXXX XXXX XXXX, and finances through United Auto Acceptance. I defaulted on the payments and the vehicle was repossessed in 2007. I was sued by XXXX/United Auto Acceptance and my wages were garnished for about 3 years. Now, 8 years later XXXX/United Auto Acceptance has filed another judgement against me for Continuation of Garnishment. Is n't this passed the Statute of Limitations in the state of Georgia?
Product: Credit reporting or other personal consumer reports

15 U.S. code 1681 c-2 a consumer reporting agency shall block the reporting of any information inthe file of a consumer that the consumer identifies as information that resulted from a alleged IDENTIFY THEFT. NO CONSENT IS IDENTIFY THEFT! As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Debt collection

Discover Credit Card company allowed someone to open a credit card account with my name and address without proper identification and verification. The account is listed as charged off on my credit report in which I never opened an account with Discover and my credit score never met the their credit card requirements.

I faxed and forwarded my signature and letter which was also notarized by a Certified Notary Public to provide proof that the charged off account is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am no longer associated with these addresses or have I ever been associated with these addresses. 

XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX
Product: Money transfer, virtual currency, or money service

I am writing formally to express my concerns Zelles handling disputes particularly in light the recent cfpd highlighting significant issues with the platform. Despite using Zelle multiple times. And recording discrepancies Zelle failed to Investigate my claims adequately. They informed me that recovering lost funds was impossible. And that tracking these funds was infeasible. The CFPD claim findings not only reflect that Zelle has not only neglected consumers but has also allowed repeat offenders to exploit the system leaving users vulnerable to scam. The lack of transparency and accountability is unacceptable and raises major concerns for consumer safety.
Product: Debt collection

I was alerted through a credit monitoring agency that a new collection was placed on my credit report. I immediately looked to see what it was because I have not made any changes to my credit and found the collection agency name is ERC and original creditor is XXXX XXXX. It claims the open date is XX/XX/2018. The status is open and the last reported date is showing XX/XX/2018. The amount of the balance shows to be {$700.00} and it is placed for collections. I have not opened any account with this creditor and do not use this company and never will. I don't know if the company has made a mistake or if my identity was stolen but I can assure you I did not open this account and I want it removed immediately. It's amazing to me that in a 4 month time span without ever sending me a notice in the mail, a creditor can just place an account on my credit report for a collection I don't owe. It should be a criminal offense and come with a large fine and jail time for the CEO. I'm sure XXXX XXXX XXXX make enough money that they need to stop attempting to steal from a working middle class family.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX I am writing to formally dispute an inaccurate entry on my credit report. The account with XXXX ( Original Creditor : XXXX XXXX XXXX ) and account number XXXX. This inaccurate reporting is negatively impacting my credit report. I am requesting that the Consumer Financial Protection Bureau investigate this issue and ensure that the account status is corrected. As per the Fair Credit Reporting Act, if the information is not corrected, the account must be removed from my credit report. I would appreciate your prompt attention to this matter and kindly request that I be informed of the steps taken to resolve this issue. Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

These accounts are being reported illegally against me and on my credit report XXXX XXXX reporting open date XX/XX/XXXX. 
XXXXXXXX XXXX  reporting an open date of XX/XX/XXXX. 
XXXX XXXX  reporting an open date of XX/XX/XXXX. 
XXXX XXXX reporting a charge off with an open date of XX/XX/XXXX and a balance of {$6000.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX reporting a balance of {$1600.00} with a date assigned XX/XX/XXXX. 
XXXX XXXX reporting a balance of {$490.00} with a date assigned XX/XX/XXXX XXXX XXXX XXXX reporting a balance of {$720.00} with a date assigned XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX reporting a balance of {$4100.00} with a date assigned XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reporting a balance of {$450.00} with a date assigned XX/XX/XXXX XXXX XXXX XXXX  reporting a balance of {$600.00} with a date assigned as XX/XX/XXXX XXXX XXXX reporting a balance of {$140.00} with a date assigned as XX/XX/XXXX According to 15 U.S. Code 1681a : consumer report does not include : " report containing information solely as to transactions or experiences between the consumer and the person making the report " Also According to 15 U.S. Code 1681b : it states " Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : '' ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I have never provided any written permission to any of the accounts listed above and this illegal reporting. Public Law 90-321 ( 82 Stat. 146 ) also states that any agency can only get your report in response to a State or local government official authorized by the head of such an agency or a local child support enforcement agency. None of the original creditors listed above are applicable to those which are allowed.
Product: Credit reporting or other personal consumer reports

I filed a complaint with you all and it was sent to Experian and instead of responding back the same way I sent in the complaint they sent me a letter stated what they can not do and what I need to do in order for them to investigate which it is clear evidence right in my report which states everything I am requesting them to do. Which they are in noncompliance of the law.
Product: Debt collection

No. 



XXXX. 



The matter is reported to the authorities. 


Get these perjurious panhandling frauds out of my inboxes. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All communications logged as harassment spam and forwarded to the appropriate agency, department, institution, et al to assist informing lawsuits regarding any and all fraud and predatory revenue creation practices.
Product: Credit reporting or other personal consumer reports

I requested an investigation and update to my credit reports, the Credit Bureaus claimed they did a full 100 % accurate investigation, verified the debt and update my reports.
Product: Credit reporting or other personal consumer reports

I submitted all documents to Experian showing satisfied accounts including sold off accounts to collection agencies from original creditors. There are original creditors reporting debt to my credit report after their companies have already sold or passed off the debt to a third party collection agency. You can see multiple accounts with same exact balances dollar for dollar and showing the debt collection agencies received payments and accounts were all settled and they removed and reported the information correctly versus original creditors after multiple calls, letters sent, and proof provided to their debts satisfied by their 3rd party collection agencies they have failed to still remove the incorrect reporting to my credit report. Also any account which is only my student loans, current bank accounts, and one credit card of {$300.00} limit have the correct current addresss. All my accounts were updated with correct addresses and those creditors reporting anything else but my current address at XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX are fraudulent reporting on their end by laws that protect me as the consumer therefore must immediately be removed and expunged from my credit report as has been done on other credit reporting bureaus minus yours EXPERIAN, who is not reporting or completing investigations accurately and not filling policies that protect the consumer. Rather now for months of continuous disputing on my end you have still failed to correct my report with actual Factual evidence and submitted documents and documented and recorded calls to your bureau ( which are not based in a USA call center, creating additional barriers for myself the USA Consumer to rectify any and all information and reporting pertaining to my credit report, not only holding companies at fault but your company as well for violations of consumer act, and protections for myself and credit under California and United States of America Consumer Reporting Laws and also violation of not providing all receipt of my transactions and correspondence with your company and not short of witnessing your own employees pretend they are unable to hear me on the telephone line as we are in mid conversation in attempt to resolve the matter. But me observe hearing laughing and employee stating exactly what they are doing thinking they are muted and I can not hear them making phone of me calling to fix errors on you and companies end. And me Confronting the agent letting them Know I heard them and they can hear me to be hung up on after they were aware they got caught lying. This is not the first time your company has done this and as I know its one of your go to scripted responses. Therefore if not corrected all companies including Experian will be in litigation once complaint is officially filed in public court taken actions against all who have seriously violated my rights for over a year now.
Product: Money transfer, virtual currency, or money service

cashapp has not resolved this issue and the police officers have done nothing to help me out