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

I sent a letter asking XXXX, TransUnion, and XXXX to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation and blankly ignoring the laws that they are by law to follow. 

According to 15 USC 1681i - XXXX, TransUnion, and XXXX have 30 days to investigate and send me the results. 

And They also didnt even record the current status of the disputed information which is another violation. 

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 as well XXXX  - acct # XXXX XXXX- acct # XXXX XXXX - acct # XXXX XXXX XXXX - acct # XXXX XXXX XXXX XXXX - acct # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. ( clear violated ) 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 I did not give you all any 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. 

According to the FCRA if after any REINVESTIGATION of any information disputed by the consumer, a item of the investigation appear to be inaccurate, incomplete, or can not be properly verified the consumer agency 's must Delete and remove immediately. 

Please provide me with the following items for each account : *original contract with my original signed signature *Written permission to furnish account on my consumer report *PAY off disclosure *Interest Rate Disclosure *Balance History *Payment History *credit insurance This is the last time I contact you for accurate reporting before I hire a consumer lawyer to assist as well as seek any money for furnishing the account damaging me mentally and emotionally. 
I have all the evidence to do so.
Product: Mortgage

The outstanding balance on my mortgage has been below 78 % since XX/XX/2021. My mortgage service company in a previous phone call indicated that this would happen automatically. Now after not doing this, they are saying I have to fill out a form. My understanding is that they are obligated to remove PMI when my balance is below 78 % of the original purchase price of the home. 

My mortgage servicing company is RoundPoint Mortgage Servicing
Product: Mortgage

Based on past complaints this Freedom Mortgage has not been able to correct its predatory lending behaviors. 
1. ) XX/XX/XXXX Freedom Mortgage was notified in writing that out home was 100 % tax exempted and we asked the tax in escrow to stop being held. By Illinois state law from XXXX, XXXX XXXX ( S.B 1427 ). Freedom Mortgage did not comply with this law until XXXX of XXXX. * XX/XX/XXXX. 
A. ) The only corrected it from XX/XX/XXXX not XX/XX/XXXX, this issue is still outstanding. 
2. ) XX/XX/XXXX In speaking with Freedom Mortgage I was made aware of a unknown to the homeowners a Insurance policy from XXXX XXXX. *XX/XX/XXXX I called XXXX XXXX to find out about this additional above and beyond the insurance I already had. I was told by XXXX XXXX on XX/XX/XXXX that no such policy exists and has not existed. *XX/XX/XXXX I called back Freedom Mortgage and spoke to XXXX in the Insurance department where on their own recorded call. Confirmed that they had been collecting on this fraudulent policy, that they had in house paperwork showing that this policy had been cancelled from XX/XX/XXXX on a document she ( XX/XX/XXXX ) had received in XX/XX/XXXX. XXXX also went on to verbally confirm the company knowingly continued to take demand the monies to go into escrow for a non existing policy. XXXX also stated very clearly that they would continue to demand the funds irregardless of insurance policy or not. 
A. ) Freedom Mortgage force placed a {$1900.00} insurance policy to cover for the time that the did not actually have the fraudulent insurance they placed on the house. I was told by XXXX who is a special associate that this would not be the case that they would assume the cost since it was their mistake. I will be sending formal complaints to Illinois Division of Insurance Licensing with a request that this company be barred from working in the state. 
B. ) We are working with a lawyer provided by the VA to help us if this is not resolved within 30 days C. ) All Insurance and late fees because of this need to be removed since they are trying to collect on a fraudulent DEBT. 


This company has a history of not following Federal and State mandated laws in regards to fair housing and mortgages.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I have some major issues with my credit report fraudulent addresses, inaccurate name, and un-validated accounts showing on my report. My name is XXXX XXXX XXXX not XXXX XXXX please delete ANY and all variations of my name they are not accurate. I beg that your department might consider helping with a difficult situation. I have managed to get my XXXX XXXX Credit Report updated properly. However managed to acquire some unverified items that have effected my FICO. 
Eventually I look forward to applying for a home loan, and as a result I am worried this inaccurate information may spoil my credit rating. Please delete the following accounts this is a 609 FCRA dispute on the following : XXXX XXXX XXXX, XXXX I have never had accounts with theses companies.
Product: Credit card or prepaid card

Dear CFPB, I am writing to file a complaint against Wells Fargo Bank for their failure to address my dispute. 

This bank continues to shift the blame onto me, claiming that I did not provide specific information. It is clear that Wells Fargo completely disregards the oversight of the CFPB, which is an act of defamation towards the regulatory authority. 

I would like to reiterate that during the initial dispute submission, I provided them with all the necessary information regarding the issue. The bank pretended to address it by saying they would submit the complaint on my behalf, but the status remains in awaiting information. 

At this point, I not only suspect that Wells Fargo is the worst bank in the United States, showing complete disregard for customer complaints and third-party oversight, but I also believe that this bank may be on the verge of bankruptcy. They simply lack the capability and resources to handle disputes. Why do I say this? I have colleagues who are credit card users of XXXX and XXXX XXXX XXXX. When comparing their experience with Wells Fargo, it is evident that this bank is extremely inadequate. 

I urge the regulatory authorities to closely monitor this bank and protect the affected customers before they go bankrupt. Considering the banks performance, it is highly likely that they will face bankruptcy in the current challenging economic climate!
Product: Debt collection

I was severely harassed by Midland funding. 

I have set up several payment arrangements over 1 year ago and midland funding keeps voiding the payments. In 2018 midland funding accepted 1 payment each for 2 accounts. Midland funding then decided to void a valid payment arrangement without notifying me first. 

I was contacted unlawfully on my cell number by midland funding. My cell number which is private, meaning ( i never gave this number out to anyone ) and or if I did have to give a call back number I would of had instructions not save the number. 
Its unknown how midland funding obtained my cell number? 
Midland funding said their agency looked up my number through a government database? 
Midland funding hung up every time even though midland funding was cold calling contacting me. I told them to stop calling! Midland funding leaves strange voicemails to contact XXXX XXXX. 
I went online again and set up another payment arrangement on the 2 accounts in question. I was offered a payment arrangement online for 2 accounts. I set up again ( like I did in 2018 ) 2 payment arrangements with midland funding for 2 different accounts. After I set up the payment arrangements online I called the debt collector to inform this debt collector I had set up a arrangement with midland funding online for the 2 debts. I had also instructed Midland funding and or its collectors to stop contacting me! After I told the collector the monthly amount I had set up online, he ( the collector ) threatened me with legal action if I did not come up with XXXX to pay him. I told him I was not paying him XXXX. 
He preceded to threaten me and said I would be sued. He said the arrangement would not be valid unless I paid him XXXX. I had to talk to over 4 people that day. 
This incident above happened last week. 
Today I went online to view the account information and now it says I have I have no account information. 
They have now voided my payment arrangement again?
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed unauthorized inquiries on my credit report. I have contacted the companies and credit bureaus to have these removed.
Product: Credit reporting or other personal consumer reports

Hard inquiries past two years old still on my credit report -reported this to the Trans Union dispute process. Received information it was resolved. But the report does not reflect any changes.
Product: Debt collection

I keep getting letters from XXXX XXXX XXXX for debts that ARE NOT mine. How do I get them to stop harassing me?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX  ( Date Opened : XX/XX/XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ), XXXX  XXXX ( Date Opened : XX/XX/XXXX, Balance : {$610.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXX XXXX XXXX ), XXXX  XXXX ( Date Opened : XX/XX/XXXX, Balance : {$610.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
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 sufficient funds when transactions were authorized, I was charged fees due to a lagged posing of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal Credit Union for similar practices, where transactions were settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

Certified U.S. letters and supporting documentation were sent to XXXX, XXXX, and TransUnion credit agencies ( Dated XX/XX/2023 ), disputing several inaccuracies and incompleteness of information on my consumer report pertaining to a Factual Dispute ; listing all the inaccurate reporting done on XXXX XXXX Student Loan accounts. I explained in detail what those inaccuracies were, and how I wanted this matter resolved! I requested that this matter be thoroughly investigated, that the credit agencies follow the guidelines established by the Fair Credit Reporting Act ( 15 U.S. Code 1681 et seq. ) ; and that these inaccuracies be removed/deleted from my consumer report immediately. 

On XX/XX/2023, I received notice via email that my dispute results from XXXX were in ( Report XXXX XXXX ). When checking these results, the notification says " Updated '', but when I checked my consumer report online... NOTHING HAPPENED TO THE ACCOUNTS I REQUESTED TO BE REMOVED/DELETED.. Nothing was updated by removal/deletion...
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX directly, as well as, XXXX, XXXX, and Transunion since XX/XX/2019 disputing the error that is being reported in the amount of {$XXXX}. This is heavily affecting my quality of life. Neither the creditor or the credit bureaus have provided me with a contract or other legal proof supporting their claim. Both of them just send form letters that avoid the request to show proof. I need their ridiculous paper shuffle to stop. By law, I do know that they must provide the information as I requested or stop collection effects and delete the errors.
Product: Money transfer, virtual currency, or money service

-On XX/XX/22 {$900.00} was taken out of my bank account through a XXXX transaction XXXX {$920.00} was taken out of my account through another XXXX transaction XXXX {$1800.00} was taken out through another XXXX transaction I had initially called my bank on XX/XX/22 and they stated they are not responsive for XXXX. So I called XXXX and they stated to contact my bank which has its own XXXX department. I called chase bank again and after speaking to a representative the 3rd time crying, the representiative took the time to listen. I filed a fraud claim via Chase bank on XX/XX/22 and they finalized the claim on XX/XX/22. They basically stated that the payments above were authorized by me and they will not help me with the funds lost. They stated I must find the individuals to whom the money was sent and to obtain my money from them myself. They said that they have closed the claim as it appeared my phone IP address matches the device used to do the XXXX payments, and therefore it is not fraud based on their research. I am Just disappointed and confused because under regulation E banks are obligated to protect their consumers from fraud or scam. And Chase refused.
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 proce 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 36.

financial loss, and I seek appropriate redress ( 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: Debt collection

Account number XXXX ARS ACCOUNt RESOLUTION is reporting false information on my credit report this debt does not belong to this identity theft I did not do any business with XXXX XXXX XXXX XXXX please remove this account else I wouldve to take legal action
Product: Checking or savings account

My name is XXXX XXXX. I am a faithful regions customer and have nearly XXXX XXXX dollars in deposits with them ( was nearly XXXX XXXX until a few months ago ). Someone wrote a check that was fraudulent a few weeks ago and I met a region 's employee XXXX at the XXXX  XXXX branch to address this. I asked him if I needed to close this account and he said no, not just for one fraud check. I went to check my account last night and a XXXX check ( or maybe ach ) had taken place. This was also fraudulent. That is XXXX dollars taken from my account!!! I am beyond frustrated and am at wits end. I know that regions has made a ton of money over the years and want to stay with them, but this is unacceptable. I need this money back in my account or I'm going to close all of my accounts and move my money to a bank that cares about me. I have waited months for a refund on the first charge and regions is not going anything!!!! 

Account number XXXX. 

Fraud Charges : {$9700.00} {$4900.00} This is absurd how poor regions have handled this!!!!
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 XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXXXXXX XXXX  Account XXXX Account Name : XXXX XXXXXXXX Account XXXX Account Name : XXXX XXXX XXXX  Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXXXXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 or other personal consumer reports

I did not start these inquiries, and I have no affiliation with these creditors. Please take them off of my credit report right away.
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e 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.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 

XXXX  XXXX {$780.00}
Product: Student loan

AES services my student loans. I am most unsatisfied with this company. The representatives regularly provide you with wrong and misleading information. I am currently in the process of refinancing my loans with another company, XXXX. XXXX and I together called AES to get information from them regarding my loans. The first rep we spoke to refused to provide information as XXXX had a recorded line. He said his manager would be able to assist us as he did n't have the authority. The " manager '' refused to help us. She said they will not speak on recorded lines as it is " company policy. '' Because of this I had to call the company separately and request the information that the XXXX rep could have gotten verbally be sent to me in document form. Now I have to wait for this documentation which is holding up my refinancing process.
Product: Debt collection

In regards to my previous complaint with this company, I have disputed this account in the past because it was due to identity theft along with 4 other accounts from this company. Those accounts were closed and removed from my report as well as this one.In XX/XX/2024 this company decided to place this account back on my report. I had the item blocked again. I submitted a complaint here recently and received a response that this company was verified with particular information. That information was all the information that was submitted in the FTC report beforehand as fraud and identity theft. I have tried to call this company in regards to this decision or reinvestigation but they refuse to speak to me about it. This information that they are claiming to verify me by is fraudulent information due to identity theft. I have already submitted affidavits and ftc reports and a police report in regards to this but they keep trying to attach this information to me. I have never done any business with this company.
Product: Debt collection

On XX/XX/XXXX at XXXX, I called the Phoenix Financial Services collections agency to get further information about an account listed on my credit report.The original creditor is XXXX XXXX XXXX Hospital and I do not recall the encounter with them. The representative at the collections agency told me that the bill is from XX/XX/XXXX. She said that I had been seen as a patient at XXXX XXXX XXXX Hospital and was diagnosed with XXXX. I explained to her that I would need a copy of the original signed documents because I did not recall being seen at this hospital at this time, nor do I recall having ever been diagnosed with XXXX. She told me that she would send me what she needs to legally send me since I was making this request. I told, specifically, that I am specifically requesting a copy of the signed original agreement between myself and the hospital, so that I could indeed confirm that I signed as a patient on the date in question. The representative told me that her office had no such document. I concluded the call at that time. This call was recorded.