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

I am contesting any information on my credit report that I believe to be inaccurate. The data included in my credit report must be validated before it is included on my report. I can not recognize or accept the allegation of delinquency and derogatoriness without factual proof. I challenge the reportability of this allegation, which does not meet federal or state reporting requirements. For any account that is alleged to be delinquent or derogatory, I request evidence that shows why the account is considered to be in that state. This should include proof of a permissible purpose for any inquiry into the account. I am giving you 30 days to investigate the matter and confirm that it is being reported correctly or remove it from the report. If any of these claims are not true, please delete them immediately.
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 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 proces was unfair and deceptive, as they did not comply with error resolution requirements t under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions nave caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

In early XXXX sometime around XXXX XXXX, XXXX a representative from Quicken Loans contacted me about refinancing our existing FHA loan. I advised the loan officer I was working with another lender and told them unless they were able to beat that lenders rates we were n't interested. I had previously been turned down by Quicken Loans for not meeting their criteria ; however, was told they had new programs available which I was assured I qualified for. The lender checked my qualifications and advised me I had been pre-approved through underwriting for the refinancing option at a much better rate than the lender I was working with. I questioned the loan officer at Quicken Loans about the approval because I had been told by the other lender that the only way to qualify for the refinance with FHA would be with the other title holder. The loan officer assured me Quicken has additional options because they are the # 1 FHA lender in the country so they have programs others do n't have. Based on their assurance and approval from underwriting I agreed to forgo using the other lender and pursue the loan with Quicken, who collected {$400.00} as a good faith deposit to use them for the loan and lock my rate until XXXX/XXXX/XXXX. Over the next couple weeks I provided all requested documentation and awaited my closing date. I was contacted by a " Solution Consultant '' on XXXX/XXXX/XXXX who advised me there was issues with my loan and they were working on alternative solutions. Today, XXXX/XXXX/XXXX, I learned there are not any reasonable alternative solutions and they charged my credit card {$400.00} for good faith when they had no intention on ever doing the loan in the first place because they denied the loan with the same information they used to tell me it was approved. They continue to brag about their XXXX XXXX ratings and everyone over there is some sort of executive but nobody makes decisions or manages the process to ensure they are keeping the promises they make and acting in good faith. Ultimately, I am out my original loan with the other lender because Quicken had me cancel that to work with them, the finance charges associated with the {$400.00} deposit, additional charges I made on a credit card based on being assured the loan was approved and would close within 30 days of the original conversation once I had been assured that I was approved and the ability to pursue a refinance loan with any other lender without causing additional inquiries on my credit causing my score to lower due to being beyond the 45 day window of mortgage inquiries allowed as a one time hit. Quicken has ultimately put me in a bad situation where I have made decisions based on their bad business practices and if I pursue another mortgage my credit will be re-evaluated at the cost of my score lowering based on additional inquiries and taken on additional debt with the presumption that I had intended to have already paid off.
Product: Credit reporting or other personal consumer reports

Dear CFPB Team, I am writing to formally lodge a complaint against the credit reporting agencies, XXXX, XXXX, and TransUnion, for their ongoing violations of the Fair Credit Reporting Act ( FCRA ). It appears that these credit bureaus have decided to disregard the law due to their own greed, failing to provide accurate and complete information regarding my credit accounts, which constitutes a violation of Section 607 ( b ) of the FCRA.

Furthermore, I am requesting proof of any previous investigations conducted regarding my complaints. I would like to know the methods used in these investigations and request all records of communication with the lenders involved, including : 1.The contact information of the lenders ( name, address, and phone number ).

2.Documentation that substantiates any claims regarding late payments on my accounts.

Please provide this information within 10 days. If you are unable to furnish the requested documentation in this timeframe, I ask that my account be updated to reflect a status of PAID/LATE. 
Thank you for your attention to this matter. I look forward to your prompt response. 

XXXX is the only bureau that is reporting as paid on time. 

XXXX AND TRANSUNION A REPORTING IT WRONG
Product: Debt collection

I have never heard of this company nor have I received any documentation regarding oweing a debt. They have never tried to get in contact with me. I never opened this account and have asked twice now for proof that I owe this debt.
Product: Debt collection

According to the provisions under the FCRA and FDCPA, I demand that this item be deleted from all the XXXX CREDIT BUREAUS as soon as possible. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must DELETE any erroneous reports of this past debt as mine from the credit bureau.
Product: Mortgage

Got a home loan from caliber. After 3 months the note was sold to XXXX. Caliber sent notice of sale an to no longer send payments to them. The other bank never had it set up. Learnt after many attempts to make a payment that the paperwork was not submitted in time so they did n't except it. Caliber has closed the account an will not take a payment. It has been 4 months an worried of forclosure. Caliber will not discuss anything saying the account was sold. This dispute over someone not getting the paper work done is gon na cost us the house. We have made many attempts to resolve this with certified letters an having an attorney send both company 's letters with no luck. They should not be able to do this to people an get away with it. There should be a law to protect the home ower. Average people do n't have deep pockets to keep paying lawyers to fight for something that 's the mortgage company 's fault!
Product: Credit reporting, credit repair services, or other personal consumer reports

My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account : XXXX-Date of Inquiry XX/XX/XXXX XX/XX/XXXX
Product: Checking or savings account

On XXXX XXXX, XX/XX/2021, my PIN number and ATM card were stolen. That night at XXXX XXXX  I called M and T bank and put a block on my card and account after realizing my card was missing. 

On the next day, Tuesday, XXXX XXXX, XXXX, I walked into my branch of M and T Bank and found my bank account was emptied of its money, about {$490.00}. 

At this point, I reported my ATM card stolen. We started disputing individual charges. We did about 3 charges of about 9 charges that were not made by me. Unfortunately, one of the charges we disputed was a charge I actually made. 

I came back to the branch on XX/XX/XXXX, XXXX and we disputed the rest of the charges made by the thief. 

The bank gave me a provisional credit of {$570.00}. 

Then the bank made a decision that the disputed charges were charges made by me because the person used my PIN to make the purchases. ON XX/XX/2021 the bank took that amount, {$570.00} back. 

The other potential reason was that some of the disputed charges were charges I actually made. But this was caused by a miscommunication by the branch manager and me. 

So the thing is, I reported the card stolen the next day to the bank. I didn't know the PIN was stolen also. The bank should refund me the money for the charges that were made by the thief. I have spoken to the bank 5 times and they refuse to return the money saying I was the one to make those charges since the PIN was used. 

The charges were : XXXX XXXX XXXX {$120.00} XXXX XXXX XXXX {$55.00} XXXX XXXX and XXXX  {$30.00} XXXX XXXX XXXX {$24.00} XXXX XXXX XXXX  {$13.00} XXXX XXXX XXXX {$44.00} XXXX XXXX XXXX {$10.00} XXXX XXXX {$63.00} XXXX XXXX  {$3.00} XXXX XXXX XXXX {$120.00}
Product: Debt collection

I received an invoice for XX/XX/2020 for XXXX XXXX XXXX XXXX for an amount of {$1000.00} & I was in XXXX at the time they said was there. I called and the first thing they asked me was to verify my Social Security number, no greeting asking who I was, just read off the last 4 digits like they had it on file expecting the call. When I asked for the XXXX XXXX XXXX XXXX phone number the number they just said to check on XXXX. I thought that was suspicious because if you guys are partners you should have their number on file. When I called the number was no longer in service, so now Im even more suspicious.
Product: Credit card or prepaid card

My XXXX  XXXX XXXX Bank of America Debit Card account was charged fraudulently 32 times for XXXX cents each paid to XXXX on or around XX/XX/2021. 

The debit card has always been in my possession. All charges to XXXX were not made or authorized by me : upon noticing multiple XXXX cent debits to XXXX i called number on back of the card & told the BofA rep about all of these small XXXX cent debits to XXXX. The representative told me not to worry, as other customers had been calling about the same XXXX issue and that BofA was aware of the breach? 

The rep told me to contact XXXX and see what they say - 12, days later XXXX sent a boilerplate reply they had no record of the charges?? 

called BofA back after XXXX said no record found on their end. The rep told me Id hear back within 10 days. And not to worry BofA was aware of the problem and that based on other customers also defrauded with same small XXXX charges that I could expect a refund same as the others, just needed to wait out the process she said : : ..2, weeks later, I received a letter from Bank of America denying refund. 

They said they had investigated and determined my debit card was used by me? That is not true. And insulting to boot. 

Also, between my initial call to BofA and charged my account another 9 times for $ XXXX also to XXXX. 

On the last call with BofA the rep apologized, said she needed to cancel the card and send me a new card. 

She said the previous rep shouldve cancelled the card when I called first time and told to contact XXXX. 

XXXX apparently doesnt have any phone support number - so i sent them a message on their support page the finally replied weeks later they had no record of the charges?
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and I noticed several inaccurate and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account Number - XXXXTo Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.

Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up.

2. The date you contacted the individual funishers of information.

3. The method of communication you used to verify the information.

I would also like to know if the furnisher provided you with my SSN, address or DOB.

Please forward an updated credit report to me after you have completed your investigation and corrections.

Your cooperation and prompt attention are required by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent letters out to XXXX XXXX and Experian stating my identity had been compromised. I notated the accounts that needed to be addressed. 
XXXX/XXXX ( 5 ) - acct. XXXX XXXX XXXX- XXXX XXXX XXXX-XXXX/ XXXX XXXX deleted the XXXX/XXXX accounts and in return sent an updated credit report notifying me it was sold to another collection agency which it is still reporting inaccurately on my credit profile damaging my credit. XXXX and Experian stated information was updated and verified. 
XX/XX/XXXX I sent letters out again asking for verification but the credit bureaus failed to update unverified information or the method in which they verified information in which they fail to do so. 
I reached out to the companies but have failed to get a single response. I am requesting assistance in the verification of the removal of inaccurate information on my credit report. The Credit Bureaus have failed to do due diligence in according to sec 605b and sec 609 of the Fair Credit Reporting Act
Product: Vehicle loan or lease

Ally Financial has not provided original consumer transaction paperwork! I did not know that a contract could be assigned to a third party. From dealership to third party without consideration to me the original creditor.
Product: Checking or savings account

Regions Bank offered a special promotion of paying a {$400.00} for opening an acct, doing 10 ATM transactions in the first month, and opening online statements. The bank has refused the {$400.00} payment because I failed to open online statement. They offered no reminder to do so but charged me {$4.00} for each of three months for not opening an online account. They can't have it both ways. The Executive Office stands by the letter of the promotion ... not the substance. As far as I am concerned Regions Bank stole my money. While their conduct may not have been illegal, it was certainly unethical and beneath normal banking standards. Obviously don't care about their reputation once this tactic is exposed to the general public.
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 insufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. 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 recently submitted information for PSFL. In order to do so, I had to consolidate my loans. Recently, my payment counts were updated and did not reflect all of my years of service. I was informed to go to student aid.gov to ensure that all months of my loan status were reported, as that could impact my counts. Upon researching the information I discovered that several years of loan status is not reported and there are several that are reported wrong. Specifically, the years from XXXX and several month I XXXX and the entire year of XXXX are not listed. My resolution to this issue would be to have my status updated so that my payment counts can accurately updated. I would also like a printed copy of this history.
Product: Checking or savings account

Hello, good day. I want to open a complaint with PNC Bank. Im originally from XXXX and I had a XXXX Dollar account with XXXX XXXX. This account was opened through the XXXX XXXX branch, but the account itself was in the USA. In XXXX I got an email from XXXX informing that my US Dollar account would be migrated to PNC Bank. I was living in XXXX at that time and was asked to validate my personal information via online or through their app, but since I was living in XXXX, I couldnt access the app or the online bank, because it was required an American phone number to be able to proceed access their platforms. Since then, I have been trying to reach out to PNC Bank to sort this out and be able to access my bank account. I contacted my account manager several times and I gave him all the required information ( official ID documents, phone number, etc. ). But still, I was not able to access my bank account. I am now living in the XXXX, in XXXX XXXX XXXX, UT I moved to XXXX this month ( XX/XX/XXXX ) and reached out to my account manager once again, so I could finally get access to my bank account. Last week ( XX/XX/XXXX ) I was contacted by my account manager and explained that I am now living in the XXXX and my plan was to close my bank account with PNC and transfer my money to my current XXXX XXXX account with XXXX XXXX XXXX. He asked me to send him an email to request the information I need to be able to access my PNC bank account, which I did on XX/XX/XXXX. Since I was not receiving any support/update from my account manager, I decided to contact the Bank Retail Support from PNC and XXXX, XX/XX/XXXX, I got a phone call from them. They informed me that they were not able to validate my personal information and I was told that I must go to a PNC branch to be able to resolve my situation. As Ive mentioned, I live in XXXX XXXX XXXX, UT and there is no PNC branch in the state of Utah. The nearest branch is in XXXX, Colorado, XXXX miles distance from where I live.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1900.00}, {$1900.00}, {$2900.00}, {$0.00}, {$2000.00}, {$1400.00}, {$690.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1900.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1900.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2900.00} -This is not my account. 

4. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2000.00} -This is not my account. 

6. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$690.00} -This is not my account.
Product: Checking or savings account

On XX/XX/XXXX I deposited my Pandemic Unemployment check via mobile app to bank of america totalling XXXX. No more than 10 minutes later, my account was closed and the funds put on hold. I called them, they told me it would be released today XX/XX/XXXX pending they confirm the check is valid and cashable. They check is drawn on a Bank of America account, here in Arizona so there is no reason it should take that long. After waiting until the XXXX as instructed, I was informed it is still on hold with no date for release. I have not been able to access any of these funds to date.
Product: Credit reporting or other personal consumer reports

Formal dispute XXXX XXXX XXXX  I am writing to formally dispute inaccurate information on my credit report related to my XXXX XXXX account XXXXbelieve that several discrepancies in the reporting of this account violate my rights under the Fair Credit Reporting Act ( FCRA ), and I request an immediate investigation to correct these issues. 

The following inconsistencies appear on my report across XXXX, Experian, and XXXX : Date open on XXXX different from XXXX and Experian.last Reported, all 3 have different dates, date last active and date last payment for XXXX different. 

This inconsistency suggests that inaccurate information is being reported, which could harm my creditworthiness. 

Reinvestigate the completeness of every piece of information and if its not accurate, please delete account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a mortgage from XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX XXXX with no successful resolution. Experian, XXXX, and XXXX reporting me 30 days late in in XX/XX/. There was an error on their part. I was never 30 days late.