23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

XX/XX/2022 Our company sent a check to our vendor to cover an invoice. They never received it and we issued a new check and found on our bank statement that our original check had been cashed by a person not the vendor and the reissued check was cashed by our vendor with their information on the back. 
Told by our bank to obtain affidavit from vendor received XX/XX/2022 and turned into bank on XX/XX/2022 along with police report. Vendor also reported to USPS the theft of the mail. Have been in contact biweekly with banker with no satisfaction and no response. They say they ae calling, but never tell us what has transpired The banks fraud department says they need more info, but they have everything. 
Had to open new checking account which has added to a customer not updating the new banking information on there end and we have a Payment Advice going to the old account and now we have money in limbo, the bank says it should seamless go to our new checking account and they say they notified there people to make sure it transfer. We need these funds to pay our bills. And I feel that the bank is just dragging their feet., The bank is BMO Harris XXXX XXXX XXXX XXXX XXXX XXXX IL
Product: Credit reporting or other personal consumer reports

Upon receiving a paid copy of my consumer report I noticed several inquiries that was not authorized by me. These accounts are a result of identity theft. Attach to this complaint is an ftc report. I request that these inquiries be removed immediately.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute of Inaccurate Late Payment Reporting Violation of 15 U.S.C. 1681i To Whom It May Concern, I am writing to formally dispute the inaccurate reporting of late payments on my credit report by XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, consumer reporting agencies are required to investigate and correct any inaccurate or incomplete information that is disputed by the consumer. 

The details of the inaccurate account are as follows : XXXX XXXX : XXXX XXXX I have reviewed my records, and the reported late payments are inaccurate and unverifiable. Under 15 U.S.C. 1681e ( b ), credit reporting agencies must ensure the maximum possible accuracy of consumer information. Reporting incorrect payment history violates this obligation and negatively impacts my creditworthiness. 

Furthermore, if XXXX XXXX can not provide verifiable proof that these late payments are accurate, the information must be deleted immediately under 15 U.S.C. 1681i ( a ) ( XXXX ). I request that you conduct a full reinvestigation of this matter and provide me with the following : Evidence that XXXX XXXX properly reported these late payments, including payment history records. 

A written response confirming whether the disputed late payments will be corrected or removed. 

If the disputed information can not be verified within 30 days, per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I demand its immediate deletion from my credit file as required by law. Failure to comply with the FCRA XXXX result in legal action being taken against your agency. 
Please provide me with the results of your investigation in writing. I expect this matter to be resolved promptly to prevent further damage to my credit profile. 

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

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

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

I am not liable for this debt with XXXX XXXX XXXX XXXX XX/XX/2023. I do not have a contract with the XXXXXXXX XXXX XXXX account, they did not provide me with the original contract as requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following company below XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX The account above is showing on my credit report as a current debt when it shows on my credit profile as a charge off in the amount of XXXX I have pulled my credit profile off of their website and from life lock. I have been a victim of identity theft since XX/XX/2011 due to a crash i have had my attorneys to get me new identifications. On my XXXX  report some individuals compromised my identity by which life lock assisted me in the deletions of XXXX being removed from my reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an item on my credit report from XXXX, Equifax, & XXXX  that states I have {$290.00} charge for a delinquent account that should be fraud and removed. Also my account with XXXX XXXX should be closed.
Product: Mortgage

I was the seller side of the transaction. The contract I signed with the buyer indicated I would contribute up to {$6000.00} towards closing costs. When I received settlement statement the lender applied part of the {$6000.00} towards prepaids such as taxes and insurance. These are not closing costs. 

We contacted the lender, Hamilton Funding Group, and spoke with XXXX XXXX. XXXX indicated I was incorrect and proceeded to get the buyer worked up thinking I was incorrect. 

XXXX injected herself in the middle of this by providing incorrect advice which caused me to pay an additional {$2600.00} in fees that I was not contractually obligated. Bethanys action as a representive of Hamilton funding caused me financial harm by her negligence and misinterpretation of the contact as prepaids are never considered a closing cost, they are prepaids of items that are not closing related ( taxes and insurance
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to the inadequate customer services 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 and 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. Theese actions have caused significant inconvenience and financial loss, and I seek appropriate redress for theese violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Public Records on my credit report and I sent dispute letter on XX/XX/XXXX. Asking for a letter from the court to prove this is my bankruptcy and I wasn't given proof. Public Record XXXX XXXX from XX/XX/XXXX and XXXX  XXXX from XX/XX/XXXX. And they verified but didn't send me proof from the court.
Product: Credit card

I am filing a complaint against XXXX XXXX regarding a deceptive and unfair credit limit reduction that negatively impacted my XXXX XXXX  card account. 

Summary of the Issue : On XX/XX/year>, I made a purchase of {$38.00} using my XXXX XXXX  card. At the time of the transaction, my available credit was {$120.00}, with a total credit limit of {$350.00}. 
My statement for that billing cycle reflected the following : Previous balance : {$210.00} Payments made : - {$37.00} New balance : {$180.00} Available credit : {$120.00} No fees or penalties listed On XX/XX/year>, XXXX XXXX  lowered my credit limit without notice, reducing it below the amount of the purchase I made the day before. As a result, my account now reflects that I exceeded my credit limit retroactively, despite the fact that my purchase was made while I still had available credit. 

Why This Is Unfair & Deceptive : The credit limit reduction occurred after my purchase, making it appear as though I exceeded my limit when I had not. 
When I contacted customer service, I received dismissive responses and no legitimate explanation for why my credit limit was reduced after my purchase. 
While no over-limit fees were charged, this practice unfairly impacts my credit utilization and account history.
Product: Credit reporting or other personal consumer reports

According to FCRA 605B, I believe we need to eliminate any erroneous accounts from my credit report. Can you review the documents? Several accounts are inaccurately reported, with wrong amounts and dates.
Product: Credit reporting or other personal consumer reports

Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries are reporting as inaccurate and I dont own any accounts with these merchants and I request to have these unauthorized inquiries blocked and removed from my credit report immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello : I am requesting assistance with three credit reporting agencies as well as XXXX XXXX Credit Card. 

While requesting my free annual credit report, I observed there to be asking/verifying questions in which is not applicable to me. 

1. I was asked about a car loan, car loan payment amount, pet insurance and student loan information. I do not have these information on my credit report. why is it showing up there. I dont have any of these about mentioned accounts. 

On an ongoing basis, I have noticed my account balances to be incorrect as well as the account limits. 

XXXX XXXX also reported me late in XX/XX/XXXX and XX/XX/XXXX, when I paid from a bank account on time. 

My XXXX card balance is incorrect. They are reporting me late, when I pay my accounts on time every month. 

I requested to receive SCRA benefits from XXXX  XXXX, in which I was denied SCRA benefits on my XXXX  XXXX account. I was advised this is a law. They also reported late, when I explained to them I was in training and the bills went to the incorrect address. 

The account was also on reoccurring monthly payments. which they took out payment but still reported as late. I am asking assistance with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several accounts that is reporting inaccurate late reportings on my credit file. The following accounts are reporting inaccurate lates : I was never 30, 60 or 90 days late on the following accounts : XXXX XXXX XXXX XXXX - Open date XX/XX/XXXX XXXX XXXX - Open date XX/XX/XXXX The following accounts is not mine : XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX
Product: Mortgage

The home is my mothers home. It is listed in the estates name, I provided Shellpoint with her death certificate which has me listed as the information. Many representatives have told me that all I needed to do was pay the amount and that would take the home out of foreclosure. I called to make the payment that is listed on the statement as the reinstatement amount, the agent was about to process the payment but came back and stated that was not the amount but she could not provide the amount. I spoke with a very rude supervisor who then notated my mothers account that nobody is to take a payment. I have made plenty of payments without my name being on the account and Shellpoint has taken those payments, but now that I am trying to stop the foreclosure they are refusing. Im not asking for any account information, all I am asking to do is make a payment of the past due amount which is higher than the reinstatement amount, but Shellpoint is wanting to force a sell.
Product: Debt collection

LOOKING OVER MY CREDIT REPORT I SEE THAT THERE ARE ITEMS THAT DO NOT BELONG TO ME. 
SECURITY FINANCE {$390.00}, NO ACCOUNT NUMBER GIVEN OPENED XX/XX/year> Please note that this is not a refusal to pay off the account, but a notice sent as per the Fair Debt Collection Practices Act, XXXX XXXX XXXX XXXX. XXXX ( b ). The notice states that your claim is disputed, and validation of the account is required. This notice is not a request for verification of the account or proof of my mailing address, but a request for validation made pursuant to the FDCPA laws. I humbly request that your agency/office sends me valid proof that I am legally obligated to pay you. 
Please provide me with the below mentioned things : * The amount you claim I owe you *Explain and show me how you have computed the amount *Send me the copies of any documents that prove I agreed to pay the alleged amount *Identify the original creditor *Confirm that the account has not crossed the XXXX period *Prove that XXXX a licensed debt collector *Show me your license numbers and registered agent.
Product: Mortgage

My name is XXXX XXXX, and I am in foreclosure with The Bank Of New York Mellon. 
My loan number is XXXX and the law firm representing the banks file number is XXXX. The law firm is XXXX and their address is XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX XXXX I submitted a XXXX page QWR to the law firm that represents the bank, and I have not received any response. Please look into this for me.. 
Thank you for your consideration.. XXXX XXXX
Product: Checking or savings account

I was scammed out of concert tickets on XXXX with Chase Bank and they told me I would be able to get my money back 100 % then after I tried to buy the tickets i was scammed and told chase and they said it was a 0.00001 % chance of getting my money back. I Checked on my case with them and they closed it and said there was nohing they could do. It was XXXX $
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX : Account XXXX Account Name : XXXX : Account Number XXXX XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX  : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

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 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 a 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 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: Credit reporting, credit repair services, or other personal consumer reports

I'm Very upset that someone is trying to destroy my image all of these account is fraud I did not allow anyone to use my personals information to open any accounts
Product: Mortgage

Today ( XX/XX/XXXX ) I awoke to having a negative XXXX  Checking Balance. This was because SunTrust now Truist took my full monthly mortgage payment from my account, {$3500.00}. 

I was under the impression, which it said in their online poortal, that I would not owe anything until XXXX. 

Last month, XXXX XXXX, I accidentally double-paid my mortgage, two full monthly mortgage payments of {$3500.00}. I tried to recoup one of these two payments via countless phone calls, emails ( XXXX ), and tweets with SunTrust but was unsuccessful.

Now, they drew a mortgage payment that did not need to be made until XXXX.
Product: Mortgage

XXXX XXXX through their Research Services Department sent a letter to me documenting that after I closed a Mortgage with them in XX/XX/2014, I was owed {$900.00}. I have responded to CitiMortgage to get my money, now they are unable to account for the status of the refund they notified me I was owed.

Their uninformed call center in the XXXX  has no clue what is going on. It has been impossible to speak with someone who is able and willing to resolve the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went through a hard time in my life, I had my auntie pass away unexpectedly from XXXX so naturally, I was spending the bulk ok my money on my family. I left the payments lapse on this account with XXXX XXXX but, when I was able I paid the card off in full. I have repeatedly called them and sent numerous goodwill letters to try to get to update the late payment history on this card because it affects my chances of getting jobs or even a home. And honestly if it's easier why not just delete it, the account is paid. They consistently tell me that it's not up to them, Equifax has to do this on there own. They don't have much empathy either, just take the money and not willing to help. The XXXX XXXX XXXX has been paid, I would like Equifax to update the payment history or just remove the card please so my score can increase and I can move forward with helping my family properly. The card is paid!
Product: Credit reporting, credit repair services, or other personal consumer reports

Know that this inquiry is unauthorized. I have not reached out to this company nor inquired about anything. There must be something wrong with XXXXXXXX XXXX  investigation which they should eventually correct. Please see the inquiry that is unfamiliar to me. 

XXXX XXXX Inquiry Date XX/XX/ 2020 2020
Product: Mortgage

Ocwen Loan Servicing was my mortgage servicing company. The mortgage was transferred to PHH Loan Servicing Company ( who merged with Ocwen ). Ocwen and PHH Mortgage are being sued by 33 Attorney Generals for allegedly charging unlawful servicing fees to their borrowers. I have approximately {$5000.00} in fees and other charges assessed on my mortgage. I have been late in the past due to a medical issue and a divorce, however, my home was never in foreclosure stage, nor my payments over 90 days late. 

In XXXX, my mortgage was transferred to PHH at the rate of 5.06 % and an original amount of {$150000.00}. PHH notified the credit bureau that my loan was modified and my credit rating dropped 70 %. This loan was modified in XXXX, 2008, for {$150000.00}. Somewhere between PHH and Ocwen, the loan went from a 30-year mortgage to a 45-year mortgage, unbeknownst to me ( with no balloon payment per customer service ). PHH has sent me a copy of the Modification Agreement. Now, after 13 years of paying this mortgage of approximately {$1000.00} monthly, PHH states that I still owe {$140000.00}. I am a victim of Predatory Lending by Ocwen and now PHH from XXXX-present.
Product: Credit reporting or other personal consumer reports

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

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 has violated my rights 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 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: Money transfer, virtual currency, or money service

Dear CFPB, I always come to you for my issues and you've never failed to disappoint me. Actually issue is that I sent money via XXXX to a business for some goods that I placed order for. However later on that business stopped responding to my texts and then blocked me. I tried to do the dispute with the bank ( Truist ) but there was no assistance provided since it was a XXXX transaction. I want your help in launching this dispute with the bank. I am happy to provide any evidence they will be needing. 

Thanks and looking forward to your assistance here. 

Regards, XXXX
Product: Credit card

On XX/XX/year>, a third party contacted XXXX XXXX XXXXXXXX XXXX at XXXX XXXX XXXX XXXX XXXX ( XXXX ) and requested financial information pertaining to my personal credit card. The third party also requested that all related information be sent to a new email address and a new phone number, all without my consent or knowledge. 

Subsequently, XXXX XXXX XXXXXXXX XXXX at XXXX XXXX XXXX XXXX XXXX ( XXXX ) complied with the third partys request. They changed the contact information associated with my credit card on file and disclosed personal financial information to the third party. 

I possess the email chain and inquiry number, along with detailed notes, which substantiate these events. 

This incident constitutes a breach of my personal information. It highlights a significant security vulnerability in their procedures and indicates a severe lack of training among their employees.
Product: Credit reporting, credit repair services, or other personal consumer reports

Those collection accounts where not mine this is unauthorised transactions i keep asking from them this information. why they haven't sent it to me yet? i've search the name of this collection agency and there not even registered to XXXX. and just incase as well you will be looking for a copy of my SS card i lost it so i attached my passport for additional proof
Product: Checking or savings account

While I was XXXX  in a XXXX facility my sister used my banking information which contained my retirement savings and instead of taking care of my medical expenses she instead use it for her own personal expenses like cruises, home improvements etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have numerous credit inquiries that i did not authorize and are showing up. I have disputed by phone and nothing done. I disputed online and they closed the dispute same day saying they will remain for 2 years. This is not correct to do and fraudulent. I want these removed. It seems to me that a credit bureau reporting false info needs to be held accountable and should fix the areas of concern. Pages 3, 4, and 5 of the uploaded report shows the inquiries that are not authorized by me.