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

In accordance with the Fair Credit Reporting act 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose XXXX found that XXXX XXXX XXXX XXXX XXXX was inaccurate and removed the accout. XXXX and Experian is still reporting the account which is in violation of my rights.
Product: Debt collection

See Federal Court Action, U.S. Dist. Court, Western District of Washington, Booren v, MB Law Group et. al. No.3:20-cv-06163 RJB ( complaint attached ). 

Fay Servicing LLC violated the Consent Order File No. XXXX. 

We demand you take immediate action to enforce the order. 

We also demand you take immediate action against the other defendants. 


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

I 've contacted XXXX and XXXX and transuion on the status on my student loans my student loans are were discharged the XXXX XXXX XXXX XXXX. the companies deleted my student loans completely. the are supposed to show payed and closed and a XXXX balance on my credit reports I would like for the them to reflect this matter! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX both of these accounts had payment history on them which is effecting my score to be able to obtain a housing loan. I would like for it to be fixed and resolved I called the company and they were not very helpful in this matter at all. I was told that it could not be corrected or added back to my credit reports. I do have some positive credit history on those accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I was going to apply for credit and pulled a current credit report and found that a fraudulent student loan was opened not by me. I tried contacting all credit bureaus and provided them the proper documents that they requested but it has been extremely hard to speak with anybody or get any answers. i dont know how all this works and i have mailed in disputes as they suggested and to this point nothing has been done and i have not received any responses from the credit bureaus. i did receive a response back from XXXX where they accused me of not being me. they said that i hired a company to dispute this on my behalf which is not true.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never, missed a payment with XXXXXXXX XXXX and it shows, I have missed a payment, and I disputed it, and nothing was changed. Also the 2 collection company 's on credit report, have wrong information, and I sent experian a copy of the letter from the XXXX XXXX sherrifs office, that the accounts where opened fraudulently. And they still refused to remove them, even after XXXX disputes. I am asking you to please help me get them to remove the items and adjust my score immediately thanks
Product: Mortgage

Significant discrepancy between two different versions of a note produced by the Plaintiff, Bank of America ( BANA ), in two separate court proceedings. The first version, submitted in XXXX, lacks any endorsement, while the second version, produced in XXXX, contains an undated, " in-blank '' robosigned endorsement by BANA. 

This discrepancy raises several concerns, including : 1. *Authenticity of the note* : The presence of an endorsement on the XXXX version, which was not present on the XXXX version, suggests that the note may have been altered or tampered with. 
2. *Chain of possession* : The lack of a clear endorsement on the XXXX version, and the presence of an undated endorsement on the XXXX version, raises questions about the chain of possession of the note. 
3. *Authority to enforce* : The undated endorsement, which occurred after the sale of the mortgage to XXXX XXXX , suggests that Bank of America may not have the legal authority to pursue foreclosure actions.

4. *Robosigning* : The use of a robosigned endorsement, which is a signature that is applied without the signer 's actual review or approval, is particularly problematic and may be considered a fraudulent practice.

The fact that the endorsement occurred after the sale of the mortgage to XXXX XXXX is significant, as it suggests that Bank of America may have transferred the mortgage to a new owner without properly endorsing the note. This could render the note unenforceable, as the endorsement is a critical component of the chain of title. 

To address these concerns, it may be necessary to : 1. *Request documentation* : Request documentation from Bank of America to explain the discrepancy between the two versions of the note.

2. *Challenge the endorsement* : Challenge the validity of the endorsement, particularly if it was robosigned or occurred after the sale of the mortgage to XXXX XXXX XXXX 
3. *Investigate the chain of title* : Investigate the chain of title to determine if Bank of America has the legal authority to pursue foreclosure actions.

4. *Seek sanctions* : Seek sanctions against Bank of America for potentially fraudulent practices, such as robosigning or altering the note. 

Overall, the discrepancy between the two versions of the note raises significant concerns about the authenticity and enforceability of the note, and highlights the need for careful scrutiny of the chain of title and the authority of Bank of America to pursue foreclosure actions.
Product: Credit reporting or other personal consumer reports

Dear Sir or Madam, I am writing to dispute the accuracy of information reported on my credit file regarding an account with XXXX XXXX. I believe that the information reported by [ XXXXExperian ] is inaccurate and does not reflect my payment history accurately. Under the Fair Credit Reporting Act ( FCRA ), I am requesting a thorough investigation into this matter to ensure that my credit report reflects only accurate and complete information. 

Account Information for Dispute : Creditor Name : XXXX XXXX ( Installment ) Account Number : XXXX ( Please adjust with the last XXXX digits as reported ) Reported by : XXXX and Experian Issues : Payment Status Inconsistencies : XXXX reports " Pays account as agreed, '' while Experian states " Paid account/was 30 days past due date. '' This discrepancy may unfairly affect my credit score. 
Delinquency Reports : Both XXXX and Experian list a 30 days late payment in XX/XX/2022. If this is incorrect or if there are extenuating circumstances that led to this mark, such as errors in reporting or miscommunication, it should be investigated and corrected. 
XXXX XXXX : The account closure date is only reported by XXXX, not Experian. Consistent reporting across all bureaus is essential for accuracy. 
Account Details : There is missing information across the bureaus, including the closed date by Experian and nearly all details by XXXX. This lack of consistency may present an incomplete picture of my credit history. 
I have attached documents that support my position and request that the following actions be taken : Verify all information regarding the XXXX XXXX account with the creditor. 
Correct any inaccuracies found, especially regarding payment history and account statuses. 
Update my credit report to reflect accurate and consistent information across all bureaus. 
Provide me with a written summary of your investigation and the outcome. 
Please complete this investigation within the XXXX period as mandated by the FCRA. I appreciate your attention to this matter and expect your prompt response. 

Sincerely,
Product: Debt collection

Resurgent Capital Services has consistently hit my credit monthly about a debt in the amount of {$4500.00}. They have not provided me with documentation from the original creditor to detail the debt. This account from the original creditor was closed and the amount was charged off.
Product: Credit reporting or other personal consumer reports

My account with TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

This company added a collection to my XXXX  on XX/XX/year> I have received NO communication from this company. all i know is it says XXXX XXXX  on my credit report and date assigned XX/XX/year>. 

I dont know what a XXXX  is, and there shouldn't be any account for them in my name, especially with my fraud alert. 


called the company just got the run around, they were just demanding payment, said they didn't need to send a verification letter. 

sounds super fraudulent
Product: Money transfer, virtual currency, or money service

XXXX  XXXX XXXX allows fraud and scams to thrive on zelle with no protections for its clients. I am a victim of this negligence which cost me {$2000.00} due to fraud with no help from XXXX  XXXX XXXX nor zelle.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, on XX/XX/XXXX I was notified by a potential company that I was obtaining a loan from that I had a collection on my credit report. I proceeded to check my credit and notice that XXXX XXXX the debt collection agency for XXXX XXXX placed a {$460.00} collection on my credit. The account was opened fraudulent on XX/XX/XXXX and closed on XX/XX/XXXX. I DID NOT OPEN A CELL PHONE WITH THIS COMPANY. I LIVE IN GEORGIA AND THIS COMPANY DOES NOT OPERATE IN MY STATE. I HAVE AND HAD PHONE SERVICE WITH ANOTHER PROVIDER FOR YEARS. THIS FRAUDULENT ACCOUNT IS HARMING MY FAMILY AND MYSELF. I HAVE REPORTED THIS FRAUD TO THE FTC ( report # XXXX ), the XXXX, AND THE ATTORNEY GENERAL. THIS IS PREVENTING ME FROM MOVING FORWARD WITH MY LOAN PROCESS.
Product: Debt collection

I am writing to file a formal complaint regarding a credit card collection account allegedly opened XX/XX/year> with a balance of {$480.00} that I believe is being managed in violation of several federal laws. The account in question is associated with Synchrony Bank ( Originator ) & XXXX XXXX XXXX XXXX, and I have encountered several issues that I believe warrant your attention. 
Nature of Complaint : o The Collection Agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) yet they placed a collection on my consumer report.

o I have not been given a chance to dispute my account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) o The Collection Agency is violating my consumer rights by using false misleading, misrepresentation and deceptive means.

o The Collection Agency has no authority to furnish any account to a consumer reporting agency without providing any and all disclosures required by law, and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) Laws in Dispute : 1. Fair Debt Collection Practices Act ( FDCPA ) o Violation : The collection agency has been contacting me at unreasonable hours and has made threats that are not legally permissible. 
o Reference : 15 U.S.C. 1692-1692p 2. Fair Credit Reporting Act ( FCRA ) o Violation : The collection account is inaccurately reported on my credit report despite my attempts to dispute the information.

o Reference : 15 U.S.C. 1681-1681x 3. Truth in Lending Act ( TILA ) o Violation : I was not provided with the required disclosures about the credit card terms and fees at the time of account opening.

o Reference : 15 U.S.C. 1601-1667f 4. Electronic Fund Transfer Act ( EFTA ) o Violation : Unauthorized electronic withdrawals from my account related to the debt have occurred.

o Reference : 15 U.S.C. 1693-1693r
Product: Mortgage

XXXX XXXX called Amerisave to inquire about refinancing our house. {$500.00} was paid for an application fee after being told the cost to refinance would be roughly {$6000.00}. When it came time to close, the loan processor sent us a closing disclosure and the loan amount increased and that the payoff amounts weren't correct and that there were a massive amount of additional fees. Upon calling the loan processor XXXX XXXX XXXX XXXX told me that she didn't get the latest payoff amounts so they were hoping we would overpay by roughly {$4000.00} and they would send us a check for the overpayment after approximately two weeks. She also wouldn't explain why the total cost of refinancing went from roughly {$6000.00} to {$16000.00}. She told me she corrected the payoff amounts and sent a closing agent from the title company to our house and we saw that the payoff amounts on the printed paperwork were still incorrect. They also ran my husband 's credit check without speaking with him or getting his permission. We didn't close with Amerisave but we strongly believe that Amerisave attempted to make us victims of a bait-and-switch scheme.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act ; XXXXXXXX XXXX  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 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am disputing the inclusion of incorrect personal information on my credit report. The details listed below are not related to me, and I have no connection to them. I request the prompt removal of this inaccurate information from 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. 

XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX {$800.00} XXXX XXXX XXXX {$120.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX, a federally protected consumer, and I am making this complaint against Capital One for reporting inaccurate personal information to my credit profile, thats damaging my financial reputation. The status of this account reporting as a Charge Off is an inaccurate account, which is a violation of 15 U.S. Code 1681e ( b ). The definition of a Charge Off states, pursuant to 7 CFR 1956.54, is The writing off of a debt and termination of collection activity without release of personal liability.

Ive contacted Capital One several times to resolve this matter and have not gotten any results. The continued reporting of this inaccurate information is a clear violation of15 U.S. Code 1681s-2of your responsibilities as a furnisher ofinformation & 15 U.S. Code 1681e ( b ). 

Ive called numerous times and it was updated after i paid in full. 

Thank you
Product: Credit reporting or other personal consumer reports

The following are credit inquiries that were not authorized by me. I will list the name and the dates of such unauthorized inquiries : 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: Credit reporting or other personal consumer reports

My account was used by someone else to commit fraud and now I owe almost 10 times my credit limit.
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 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 card or prepaid card

We received a " XXXX XXXX '' prepaid debit card as a gift last year. I always use prepaid gift cards on XXXX to get rid of them ASAP. This one would not work on XXXX, so I attempted to " register online '' as suggested on the back of the card to rectify. 

Long story short, before I knew it, I had inadvertently signed up for a more official prepaid credit card to replace the gift card. Upon realizing this, I figured I'd just use up the prepaid amount and cancel the card. Once I used the card, though, I quickly realized they charge a transaction fee, varying based on where it's used, and that the balance could fall below {$0.00}. 

Since I could not cancel the card with a negative balance, I was forced to " reload '' the card again to get to a positive balance and pursue canceling the card. It was then that I realized that Serve requires *exactly* a {$0.00} balance on the card to cancel it.

The problem with this requirement is : ( 1 ) it's almost impossible to calculate how to spend it to exactly {$0.00} given varying transaction fees, ( 2 ) they also deduct a maintenance fee every few months, and ( 3 ) their phone support people offered *no* other options and don't seem honest about what's going on or how they have " helped '' you.

At any rate, after calling them multiple times, I finally got them to offer refunding my card balance by check ( via mail ) so that I could cancel the card. I have never received this check, despite calling them at least 3 times and being promised it within 10 days each time.

On top this, if/when my balance is {$0.00}, they still require that I call back separately to actually cancel the card. I have zero confidence cancellation would happen before they had chance to charge me another maintenance fee, making my balance non- {$0.00} ( and now negative! ). If true, then the cycle continues - reload, spend to {$0.00}, attempt to cancel...

I laid all this out to them on the phone. They remained unwavering to the possibility of cancelling until my balance is {$0.00}, though. Nor did they send *any* promised email verifications of my requests and/or their processing of them. ( E.g. notification of the check they were to send for the balance. ) As such, this seems a scam.
Product: Credit reporting or other personal consumer reports

As per guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as information requested from the list of acceptable items which only 2 are required per Law. I have provided all needed documentation as well as victim determination letter according to 1022.143 ( b ) ( 6 ).
Product: Debt collection

I made arrangements with the original creditor to make monthly payments. A few months in, the creditor 's payment website was n't working, and I ended up mailing a check. As a result, the payment was a little late, and the account was sent to a third party collector. I made arrangements for payments to the third party collector. During that call, I was advised not to make any more payments to the original creditor, as they would not count towards this debt. I made no more payments to the original creditor, however, a couple weeks later the original creditor drafted an electronic payment from my checking account. When I contacted them to see what happened, the original creditor told me they could not give me any information about that payment, but that I owed the debt to the collector, and the unexpected payment would not count towards the debt. I sent a debt validation request letter to both the original creditor and the third party collector, and requested a written response. I have not received a written response, only a voice mail message from the original creditor.
Product: Debt collection

I have asked AFNI for validation of this debt with zero cooperation from the company. XXXX was NEVER installed service at my property. They refused to come and run a line from the pole without an additional {$70.00} charge and I refused the additional charge so the service never even started. The equipment was dropped off at the XXXX office at that time. I do not owe this debt. They are negatively affecting my credit rating and refuse to validate with a SIGNED contract or ANY proof whatsoever that I owe them anything. This has been going on for over a year and I want this immediately REMOVED from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I received an alert from XXXX that they has been a hard inquiry on my credit by Bank of America. I have not tried opening account or any loan products with Bank of America. I have tried contacting Bank of America and I was given XXXX different phone numbers because no one knows how to handle to a fraud situation. I have filed the dispute with XXXX as well, and I have frozen my credit.