23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Loan Depot appears to have no bounds to its advertising. I noticed a picture and article written by one of their sales managers on XXXX and there is no proper disclosures, including the XXXX symbol or XXXX ID.
Product: Credit reporting or other personal consumer reports

This afternoon, I discovered unauthorized inquiries on my credit report, and I have no idea why theyre there. While reviewing my report as I usually do, I was shocked to see discrepancies appear out of nowhere. I even refreshed my browser, hoping it might just be a glitch, but the unauthorized inquiries remained. I am extremely frustrated and urgently request that the documents Ive provided be reviewed thoroughly so I can finally stop worrying about this.
Product: Mortgage

I have mortgage with Wells Fargo for a rental property that I own with XXXX other partners ( we are an LLC, but the mortgage is " personal '', in that it is not in the name of the LLC. One of my partners in the business is the primary " money '' person, so he is the one that mails the check to Wells Fargo. He made an honest mistake. In ordering new checks, he mistakenly changed one of the digits on the account number of the checks that he reordered. He send out all his bills, and then started getting notices back from his creditors that the checks were invalid. Recognizing his mistake, he reached out to every one of the creditors that he knew got a bad check and let them know what happened. He was told by Wells Fargo that everything was fine and there would not be a problem. I personally can monitor this account from my online account, so I happened to notice that " all the sudden '' the mortgage account was over 30 days in arrears and in the same amount of time, my credit took a XXXX + dive. They dishonored the check ... which put the account XXXX days over due ... prompting them to ding my credit score by well over XXXX points. There was a letter sent out to the primary account holder ( my partner ) which he did not receive until well passed the due date and grace period of the mortgage. As soon as I saw the error, I paid the overage out of my own pocket. I contacted Wells Fargo, as did my partner and explained the issue. They told us that they would be working on a resolution to the issue and get back to me after 15 days. I have not heard anything from them, and I want to resolve this.
Product: Credit reporting, credit repair services, or other personal consumer reports

ftc violation XXXX XXXX XXXX, Capital One Bank,
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint against XXXX XXXX XXXX. The reason why I am writing this complaint is because on my XXXX, XXXX, and Equifax credit report on XX/XX/2019. This inquiry was not authorized by me, this was done under fraud. I will be brief, I did not authorize this and I do not recognize this inquiry. I am bringing this to the attention of the CFPB because when I tried to requested directly with the credit agencies and their response was that I had to do it directly with the companies that I asked them from. The most alarming thing is that hopefully no fraudulent accounts were open.
Product: Debt collection

There is a collection agency in my credit report name Midland with the Amount of {$1300.00} thats is not mine. They have a date of 2016 being opened, I was XXXX  on those years. I have sent proof to XXXX but the problem has not been resolved. I need that to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/X/2017, I attempted to order XXXX XXXX credit monitoring service, offered by XXXX XXXXXXXX XXXX ( XXXX ) / XXXX on their Web site ( https : //usa.experian.com/ # /registrationXXXX XXXX XXXX XXXX ). The order failed, due to an XXXX XXXX XXXX ( XXXX ) / XXXX internal server error ( see attached screen print ). The error continued to occur as I tried placing the order additional times, and I was unable to access the service. After calling the customer service number provided ( XXXX ) and waiting on hold for 25 minutes, I reached an agent, who acknowledged the error, but was not able to manually process my order. I was told to try placing the order the next day. To sum up, the company is offering a service they apparently do not have the technological capacity to provide. This is a concern, given the high sensitivity of the consumer data they administer. Further, they dont provide the normal means of electronic contact ( email, chat, etc. ) that would be expected of a technology-intensive information services company and that would enable consumers to document and report issues they encounter with the services in a convenient, timely, and written manner. If they provided these means, this CFPB complaint would not be necessary.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a credit report attributed to me ( my credit report ) from Transunion and XXXX. The gross errors are alarming together with the facts that I am falsely accused of an address I never had ; a bank account at a bank I never had an account ; a spouse listed which I never had ; a middle initial I never had ; a similar name to mine which belongs to someone else and has the same middle initial but a different middle name ; and the list goes on. It keeps listing a student loan outstanding. I never, ever even had a student loan or used one. And the list goes on.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been a victim of identity theft and I'm suffering punitive damages. I've mailed you multiple letters to the bureaus and companies and this hasn't been resolved. These accounts are all fraudulent and need to be removed. XXXX Card- {$25000.00} XXXX XXXX XXXX XXXX {$10000.00}, XXXX XXXX XXXX XXXX {$26000.00}, XXXXXXXX XXXX XXXXXXXX {$13000.00}. 

Fact, The truth and Lending Act is intended to inform consumers about the cost of credit. The companies above violated my rights by informing consumers that I allegedly owe an account with amount on it to XXXX, XXXX & Transunion. Each violation is a {$1000.00} fine. Exhibit A Credit Report showing all XXXX violations. 

Fact, The truth in Lending Act is intended to protect consumers against abuse and deceit by collectors, and I have been abused and deceived. So be it. The companies listed above is falsely publicizing an account addressed to me on XXXX, XXXX & Transunion with no Original Contact which includes My Wet Signature. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations.

Fact, 15 U.S.C. 1681 section A, States I have the right to privacy. The companies above has published my information publicly on XXXX, XXXX & Transunion including an allegation account on each. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations.

Fact, 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. The companies above has published an account they have of mine on XXXX, XXXX XXXX Transunion. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations.

Fact, Affiant is aware and has proof in attachment labeled as exhibit A and the companies above. So their violation. Like some of the laws that are already common law is in violation of 15 USC 1692. ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer should not stay set that such consumer owes any debt. The companies above has published an account they have of mine on the companies above. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all XXXX violations.
Product: Debt collection

WE HAVE BEEN ON THE DO NOT CALL LIST SINCE XX/XX/2003. PLEASE ALL THE SPAM CALLS STOP.
Product: Payday loan, title loan, personal loan, or advance loan

I've been speaking with Brigit since XX/XX/year> about not able to update my banking information to the new bank. the problem is not my credentials ; already confirmed this with XX/XX/XXXXXX/XX/XXXX ; I've spoken with them a few times about this and they just push back my repayment date. I need to be able to CHANGE my banking information. 

Earlier today when I went to payback EARLY there was a " one-time payment option '' was able to make the payment. However, that was a temporary fix. XXXX XXXX XXXX reviews that I'm not the only one with this/similar problem. I'm exhausted in trying to get it to connect to XXXX ; some customers say it's the app, others say XXXX ; I just want someone to create/add a feature to update/change banking information.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is 2 accounts showing delinquent for XXXX XXXX. XXXX XXXX has submitted 4 request to have the accounts removed from my credit report. Equifax REFUSES to remove the accounts as per the documentation attached. XXXX with XXXX responded to XXXX XXXX stating Equifax will not remove the errors due to the info not being of public record. Myself & XXXX XXXX  has supplied the legal documents as proof of our claim Yet their response to my complaint states it has been rectified when in fact, as of this complaint the accounts are still showing delinquent. These errors has resulted in my family being denied credit. We have been attempting to get these errors corrected for more than 2 years. 

In XX/XX/XXXX, Equifax responded to my complaint with the following statement. 

" Thank you for submitting your complaint on XX/XX/XXXX, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We have reviewed and considered the information you have supplied through the CFPB portal and directly to XXXX. In your complaint, you indicate that there are two debts being incorrectly reported by a data furnisher. You indicated that the accounts were discharged in a Chapter XXXX bankruptcy because you, as a non-filing spouse, are protected At your request to begin an investigation, we contacted the data furnisher on XX/XX/XXXX, to verify the accuracy of the information with which you disagree. The data furnisher responded and they updated the account status, removing the charge off notation. The result summary, confirming the removal of the charge off status, was provided to you on XX/XX/XXXXred in a Chapter XXXX Bankruptcy ''
Product: Credit reporting or other personal consumer reports

According to 15 USC 1681e- Compliant procedures, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure MAXIMUM POSSIBLE ACCURACY of the information concerning the individual about whom the report relates.

15 USC 1681i- A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( iii ) by not later than 15 days after receiving a request from the consumer description. These items have failed to be verified. I would like to have them removed from my credit report. 

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

I forwarded a letter to the 3 Credit Bureaus dated XX/XX/2022 to erase this suspicious information. I think you have not validated this account in agreement with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX ; XXXX ; XXXX, and I'm including it again. XXXX XXXX Balance : {$12000.00} ; XXXX XXXX Balance : {$8900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX fied XX/XX/XXXX. CApital one still has not addressed. The credit bureaus are still reporting information wrong on my report for multiple accounts from cApital one. I asked for a full detailed method of verification report. Capital one has done nothing prior. I filed the complaint with your bureau XX/XX/19 and still Capital one has done nothing. If they are going to report negatively they NEED to send the method of verification required by law. They are refusing to do so or even answer you. This is unacceptable and a violation of my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit report reflects Balance owed on home Mortgage loan which was paid Off cash in full.
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 violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to 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

I never received replacement card from American Express Serve. In order to close the account one needs a current activated card as that information is required to utilize their voice response system or website. The XXXX support number supplied hangs up if I can not supply the 4 digit CVV number which I do not have since I never received the replacement card. There is no way to get an agent on the phone. When I request a replacement card the system responds with " sorry technical difficulties ''. My ultimate goal is to close the account and get the slightly less than {$1000.00} returned to me. All avenues to do this will not work, phone or online app.
Product: Debt collection

On XX/XX/XXXX around XXXX pm. I went to consumer collections after finding a report of collections on my credit report. I called someone answer and gave me the run down of the collection. I presumed to tell them the document is fraud because I paid to break my lease and all due balances were paid to the original property. Specifically to XXXX XXXX who no longer works for them because of said fraud and new management. ( Information given by the desk workers at XXXX XXXX ) How ironic, anywho I went to XXXX XXXX who would be the original debt collector. XXXX XXXX Informed me they could not find me in the system showing anything about me owing. That brings me back to Consumer Collection. I tried providing proof showing I didnt live there during the time the fake charges were placed. Customer service rep informed me she didnt know how I could show the proof very uneducated in her department but its okay! I was NEVER sent notice to my home address which was given to XXXX XXXX upon move out so if I owed why wasnt I sent any information to my current address stating that. I was given a stack of papers that not XXXX had my signature on, just initials! Also a pic of my ID from the time I did live there because you have to submit you ID on a rental application which the XXXX is from. I went to XXXX XXXX who said they didn't have any record that l owed so it was nothing they could do! So I called the number listed on my paper CONSUMER COLLECTION gave and it's disconnected! I've asked for proof that I owe with my signature written and not my initials that anyone could've written bc i always sign my name. So please give me the number you all are using to call them saying I owe because I went down there and I don't owe. AND i need VALID PROOF I OWE. I tried to give the person proof and they said they didn't know what to do with it ( Giving the run around ). 
NEVER ONCE RECIEVED a notice or anything to my home which XXXX XXXX was given the address upon move out so you all should have it CORRECT? NEVER ONCE RECEIVED a notice or anything to my home which XXXX XXXX was given the address upon move out so you all should have it CORRECT? No notice and Upon arriving at bella vista yesterday they said they have no record of me living there and I don't owe under their new management so valid proof needed! 
And the correct contact for the original debt collector is needed AS WELL! XXXX be happy to get this resolved with proper business hours listed and phones numbers because its hard to even catch CONSUMER COLLECTIONS.
Product: Vehicle loan or lease

I had to go out of work due to personal illness. The vehicle was sold at the auction and I told the finance company I could not afford to make payments and on a vehicle I no longer possess.During the time I had the vehicle it kept needing major repairs and the finance company would disable my vehicle and still expect payments. They have put the loan up for legal review and it was just sold at the auction in  XXXX .I tried to do a settlement for the truck last year and they refused to accept it.
Product: Debt collection

XXXX XXXX has been difficult to work with from the beginning. My girlfriend was the primary person on the application and she tried returning the product less than 5 days of having it. She called the salesmen and the company in XXXX and they told her too bad she had to keep the product even though the loan was " secured ''. My girl friend left her job because they were calling multiple times per day and her manager was mad that she was receiving personal calls at work. They threatened to garnish her wages and told her that they would make her pay either way. They have not updated any information on my XXXX report since XX/XX/XXXX. I pulled a report from XXXX on XX/XX/XXXX it showed a balance of XXXX in XX/XX/XXXX. However, on the XXXX report pulled XX/XX/XXXX they show a balance of XXXX. XX/XX/XXXX I had a XXXX  report pulled and it shows the reporting XXXX dollars from XX/XX/XXXX. On XX/XX/XXXX XXXX XXXX XXXX had court case was finalized against my girl friend for this account in the amount of XXXX but on my report XXXX dollars. We have received no more letters or correspondence since then. My XXXX XXXX report is showing this account currently listed as Castle credit and has not been unpdated since XX/XX/XXXX. My XXXX XXXX  report is listed as XXXX XXXX. I have disputed this information because this account because no similar accounts even show up on my XXXX account. My girl friend is showing the Castle Credit on her XXXX and XXXX XXXX on XXXX but not on XXXX.. Per my bank it is illegal for both accounts to 1. choose which report they are going to report to and 2 have 2 companies reporting for the same account with different amounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX DOB : XX/XX/XXXX. My Address is XXXX XXXX XXXX XXXX tx XXXX. I submitted letters to TransUnion XX/XX/XXXX about accounts that weren't mine. They have failed to provide physical proof that the accounts are mine. this has been over month roughly 120 days trying to sort this out.I 've sent 4 609 letters and they haven't deleted the accounts that i'm concerned about. Im beyond exhausted and have decided to file a formal complaint.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA XXXX, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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: Credit reporting or other personal consumer reports

Dear Equifax Dispute Department, I am writing to formally dispute the following accounts, which have been incorrectly attributed to me and are not mine : XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts were opened or reported without my authorization and do not belong to me. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information and request an investigation. 

I kindly request that Equifax investigate these accounts and remove them from my credit report. Thank you for addressing this matter promptly. If you require additional documentation or information, please contact me directly.
Product: Credit reporting or other personal consumer reports

I asked to verify the debt with a contract signed between the original creditor and the consumer. Wet signatures only.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX Ky XXXX XXXX XXXX XX/XX/XXXX I am writing to formally request the removal of entries related to XXXX closed accounts from my XXXX report. These accounts, listed under WesBanco Bank with the address of XXXX XXXX  XXXX, XXXX, WV XXXX, were paid in full and closed in XX/XX/XXXX. 
Despite these accounts being resolved, WesBanco Bank has refused my repeated requests to remove the entries from my XXXX report. As a former employee of WesBanco, I find this continued reporting to be unjust, as my past financial mishap has been rectified and continued reporting is perceived as punishment for no longer being employed. 
I kindly urge XXXX to remove these entries from my report, considering my previous attempts and the resolution of the accounts. It is unfair that I continue to face undue punishment that prevents me from opening new accounts without unwarranted hindrance. 
Should this matter not be resolved promptly, I will be compelled to pursue legal action against the bank for any damages incurred due to this ongoing reporting. 
Please address this matter at your earliest convenience. 
Sincerely, XXXX XXXX XXXX : XXXX XXXX XXXX ky
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I mailed a letter to the credit bureaus via certified mail requesting the method of verification used to verify the bankruptcy listed on my credit report. The bureaus reported the bankruptcy as being verified with XXXX. 

On XX/XX/2021, I mailed a letter to the bankruptcy court requesting information on when and who from the credit bureau verified a bankruptcy with them. Their response dated XX/XX/XXXX was that he bankruptcy court does not validate bankruptcies with the bureaus or any third parties. 

According to the FCRA, it is illegal for bankruptcy courts to report bankruptcy to the credit bureaus. Therefore, we know that the information did not come from the bankruptcy court. Also according to the FCRA, all accounts must be verified with the original furnisher of information. Even if this information was given or verified by a third party source, the third party source can not verify that their information is accurate, since according to the attached paperwork, the bankruptcy court does not verify bankruptcies with third party sources. 

On XX/XX/XXXX, I mailed a letter to XXXX, enclosing a copy of the bankruptcy courts letter, stating that XXXX could not have properly validated the information reported to the bureaus, and thus must remove the erroneous reporting from my credit report. As of today, XXXX has not responded. 

On XX/XX/XXXX, I mailed a letter to the bureaus, enclosing a copy of the bankruptcy courts letter and a copy of the letter to XXXX, stating that XXXX could not have properly validated the information reported to the bureaus, and thus must remove the erroneous reporting from my credit report. As of today, the bureaus have not responded.