23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Following 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, the accounts below have violated my rights. 15 U.S.C 1681 section 602A.

States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( a ) 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. Please delete the accounts listed below : Creditor name : XXXX date of inquiry : XX/XX/year>, Bureau : TransUnion
Product: Mortgage

My mortgage servicer, Select Portfolio Servicing , Inc. ( " SPS '' ) has since about XXXX claimed to be the authorized servicer of my mortgage, Security Deed and Promissory Note, on behalf of XXXX XXXX XXXX Bank, XXXX. the successor in interest to XXXX XXXX XXXX XXXX EXHIBIT A. 
In fact, on XXXX XXXX, XXXX, XXXX assigned all rights and powers under my mortgage, Security Deed, and Note to the Bank XXXX New York. EXHIBIT B. 
SPS never notified me that my mortgage, Security Deed, and Promissory Note had been assigned and transferred from XXXX XXXX XXXX Bank to Bank XXXX New York. 
SPS never told me that, after XXXX XXXX, XXXX, that only the designee of the Bank XXXX New York, AND NOT SPS, was authorized to act on behalf of Bank XXXX New York with respect to my mortgage, my Security Deed, and my Promissory Note. 
Instead, SPS falsely, fraudulently, illegally and wrongfully continued to act after XXXX XXXX, XXXX, through to the present day, as though SPS was authorized by the Bank XXXX New York with respect to my mortgage, Security Deed, and Promissory Note when SPS was not so authorized. 
On XXXX XXXX, XXXX, XXXX recorded a second " Corrected Assignment, '' which assigned all rights and powers under my mortgage, Security Deed, and Promissory Note to " XXXX XXXX XXXX XXXX XXXX XXXX. '' EXHIBIT C. 
In consclusion, since XXXX XXXX, XXXX, mortgage servicer SPS has fraudulently, falsely, wrogfully, and illegal represented itself as being authorized to act as mortgage servicer for my mortgage, Security Deed, and Promissory Note when SPS was not so authorized, and I have been greatly damaged thereby. 
In connection with SPS 's misrepresentations, I have repeatedly requested in writing, by means of valid QWR 's, documentation setting forth SPS 's conduct and for an accounting as mortgage servicer of my mortgage, Secuirty Deed, and Promissory Note. SPS has violated RESPA, XXXX XXXX. XXXX XXXX XXXX XXXX, by failing and refusing to provide an accurate report of and accounting for its actions as mortgage servicer of my mortgage, Security Deed, and Promissory Note. 
SPS ' failure and refusal to take corrective action with respect to an accounting for and the proper servicing of my mortgage, Security Deed, and Promissory Note also violates the Fair Debt Collection Practices Act, 152 U.S.C. XX/XX/XXXX, and I have been greatly damaged thereby. 
SPS has been wrongfully threateening me with foreclosure over an arrearage of mortgage payments, the amount of which SPS has greatly exaggerated by ignoring the fact that the Note is an interest-only note.
Product: Prepaid card

I sent money for my paypal debit card to PayPal credit because the information on the website said to do so. I was told they had to wait for money to clear and send back to me or they wiod send original money order back to me. The money order was for {$400.00} and was issued XXXX/XXXX/2015. It is XXXX/XXXX/2015 and I have called over 3 times and talked to 8 managers who all lie about the money being sent back to me with no tracking and I get XXXX fifferent story about the whereabouts of my money every time I call. They will not give me my money and keep telling me either they are researching it if reaching out about it. No one returns my calls. They wo n't send my money and I get a different lie every time I call. PayPal credit managers claims they have no supervisor and they are the end of the line and I have to be patient while they research .... What are they researching? Nothing! They we not overnight a check for my {$400.00} and claim they did with no tracking then they claim XXXX they resent it twice-all lies! How can these people just keep {$400.00} and not return my money? I need help!
Product: Mortgage

" Cornerstone First Mortgage '' claimed that they will secure a conventional loan on a property we were trying to purchase. 
After weeks of lengthy underwriting process, the underwrite approved our mortgage and we signed all the closing documents and wired the closing funds to escrow. 

After closing and wiring of closing funds, " Cornerstone First Mortgage '' did not fund the loan and came up with new loan conditions. 

The sellers cancelled the deal and we lost the contract due to lack of performance of " Cornerstone First Mortgage ''. 

We lost a very lucrative deal because " Cornerstone First Mortgage '' is a scam company.
Product: Credit reporting or other personal consumer reports

There is collection & derogatory also unauthorized inquiry in my credit report. I contacted Experian, XXXX, XXXX, about the matter I asked for any proof that I initiated any inquiries they have yet to give me anything. Ive had identity theft in pass so I mentioned it can be from that as well. The things are out dated starting from XXXX. These things are causing hardships in my life Im unable to obtain credit and having trouble with getting apartment. Please help
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue.

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made on Time : My payments were made on time, as evidenced by my bank statements and payment confirmations, which clearly show the payment was processed before the due date. These payments should not have been marked as late.

Bank Processing Error : There was an internal error at XXXX XXXX  that delayed the application of my timely payment. The error caused the payment to reflect as late in the system, even though I had sent the funds on time. I have attached communication records with XXXX XXXX  acknowledging this error and confirming that the payment was received. 
Misapplied Payments : The payments were incorrectly applied to the wrong account due to a clerical error. I contacted XXXX XXXX  immediately when I noticed the issue, and they confirmed the error. However, the late payment entries were not corrected in my credit report despite the banks acknowledgment of the mistake. I am attaching documentation of my communication with XXXX XXXX as further evidence. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act.

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

I am submitting my complain and this was my fourth attempts to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. The following items are fraudulent that needs to be removed : XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$900.00} ; XXXX XXXX  Balance Owed : {$0.00} ; XXXX XXXX  Balance Owed : {$12000.00} ; XXXX XXXX Bankruptcy Date XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$900.00} ; XXXX XXXX Balance Owed : {$12000.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Bankruptcy Date XXXX XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$900.00} ; XXXX XXXX  Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$12000.00} ; XXXX XXXX  Bankruptcy Date Filed/ReportedXXXX Reference XXXX XXXX XXXX XXXX XXXX XXXX CPS 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: Debt collection

On XX/XX/2021 I sent a letter to THE STARK COLLECTION AGENCY. requesting information on an alleged debt they say I owe them and I have not received any correspondence back in regards to that matter. Please help me resolve this issue.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XX/XX/year> XXXX XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Student loan

I have a loan with DPT ED/NAVI. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  and DPT ED/NAVI with no successful resolution. XXXX, XXXX   and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.
Product: Checking or savings account

On XXXX XXXX, 2023, I received an email from M1.com welcoming me to my new platform and asking me to verify my email address. I did not open this account or request any profile creation. On XX/XX/2023, I emailed help@m1.com alerting them to the fraud and unauthorized product enrollment and received a confirmation email with request ID # XXXX. I am still waiting to hear back from M1 Finance, LLC. I asked that any accounts in my name be closed, and they investigate the fraud. I continue to get automated emails from M1 Finance, LLC, asking to verify my email and other automated marketing communications.
Product: Credit card or prepaid card

Hello my name is XXXX My problem is with synchrony Bank they financed some living room furniture from XXXX XXXX XXXX, and those from the furniture store sent the broken dirty living room furniture used I have them since XXXX and until now they have not helped me I send to they prove that the living room furniture is in poor condition and they don't want to help me, I sent photos to synchrony Bank and they did not help me
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XX/XX/XXXX XXXX XXXX accessed my credit file with XXXX, XXXX, AND EQUIFAX without my permission. This was reported previously, as considered fraudulent inquiry, along with other simultaneous inquiries same day with other institutions, and which I did not authorize. On or before XX/XX/XXXX XXXX sent a letter describing the action, and stating that they were asking the CRA to remove the hard inquiries from my report, due to be considered fraudulent. An affidavit was sent tl them regarding this fraudulent activity, and in response to my kind request XXXX XXXX was deleting them after sending the affidavit and/or police report, without the need to go to small claims court. As up to date, XXXX  shows the 3 inquiries still, Equifax one, and XXXX  deleted both. Since this is a violation, to the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights I am making a goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with the 2 parties above. XXXX  and Equifax are neglecting to remove them after being way over the FCRA timeline without providing evidence, and method for verification. Should them continue in their non-compliance, I may end fighting AT COURT, for Some time with all the evidence and proof of delivery to the CRAS. As I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX. XXXX XXXX, XXXX ), they may be liable for their willful non-compliance. Failure to respond satisfactorily within 30 days from the original complaint, may result in a small claims action against the XXXX parties, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting. This has been reported repeatedly. CFPB please issue a fine for no compliance with the FCRA.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX Date XX/XX/2024 To whom It May Concern, On XX/XX/2024 I looked at my report. I sent a letter to XXXX, XXXX, transunion on XX/XX/2024 asking them to re-investigate these accounts : XXXX, and here is my tracking number : XXXX The day they sent me their research and said these accounts are complete and accurate. 
I looked at my report and noticed that everything is still the same. 
and in accordance with 15 USC 1681i 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any further investigation pursuant to paragraph ( 1 ) of any information disputed by a consumer, an item of information is determined to be inaccurate or incomplete or unverifiable, the consumer reporting agency shall : ( i ) immediately delete that item of information from the consumer 's file, or modify that information, as appropriate, based on the results of the new investigation; and ( il ) immediately notify the provider of that information that the information has been modified or deleted from the consumer 's file.

and according to 15 USC 1681eb they are supposed to ensure this b ) Accuracy of the report Whenever a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the greatest possible accuracy of information relating to the person to whom the report relates.

And according to 15 USC 1681s-2 this is supposed to happen ( A ) Report information with actual knowledge of the errors A person shall not provide any information relating to a consumer to any consumer reporting agency if he or she knows or has reasonable grounds to believe that the information is inaccurate.

( B ) Report information after error notification and confirmation A person shall not provide information relating to a consumer to any consumer reporting agency if : ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, inaccurate. 
XXXX didn't really investigate again, they lied in an official document saying they did something they didn't do and I have evidence to prove my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting ActXXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I purchased an American express card in XX/XX/XXXX and XXXX cards on XXXX XX/XX/XXXX they were XXXX each. None of them work and the company won't make them right. 
XXXX each that won't work. The numbers are XXXX XXXX XXXX XXXX I asked them to XXXX  me replacement cards and they refused
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to bring to your attention a matter concerning unauthorized hard inquiries on my credit report. After reviewing my credit report, I discovered that there are inquiries that I did not authorize or provide consent for. 

Below are the details of the unauthorized inquiries : XXXX XXXX Credit Bureaus/Mortgage Processing XX/XX/2023 TransUnion XXXX XXXX  Credit Cards XX/XX/2023 TransUnion XXXX XXXX XXXX XXXX Credit Cards XX/XX/2023 TransUnion XXXX XXXX Mortgage Companies - Credit Union XX/XX/2023 TransUnion XXXX XXXX Mortgage Companies - Credit Union 1XX/XX/2023 TransUnion I would like to emphasize that I did not apply for credit with the mentioned creditors on the specified dates. As such, I request that these unauthorized hard inquiries be promptly removed from my credit report to ensure the accuracy of the information. 

According to the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate or unauthorized information on their credit reports. I am exercising this right in the hope of maintaining the integrity and accuracy of my credit history. 

To assist you in your investigation, I have enclosed copies of my credit report with the unauthorized inquiries highlighted. I kindly request that you investigate this matter promptly and inform me of the results. 

Enclosed documents : Copy of Credit Report with Highlighted Inquiries Please provide a written response within 30 days, as stipulated by the FCRA, to inform me of the actions taken to rectify this matter. If the investigation reveals that the inquiries were indeed unauthorized, I request written confirmation of their removal from my credit report. 

Thank you for your prompt attention to this matter. I appreciate your cooperation in resolving this issue in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've noticed an unauthorized inquiry on my report on XX/XX/2023 from XXXX ( FInance ). According to the FCRA ( Fair Credit Reporting Act ), legally these unverified and unauthorized items must be removed.
Product: Debt collection

XXXX XXXX is stating i lived at an address or signed a document for an apartment and I have not lived there, it was my exhusband who may have fraudulently used me.
Product: Debt collection

A XXXX called my mom 's home number advising her that I need to contact him immediatley or they are going to garnish my wages and take monies out of my bank account. He left a phone # with an ext., so I called the number and a man answered the phone so I asked for ext.? and he said this is that ext. I advised him I was returning his call and gave him my name and he went on to state I owe {$1000.00} towards a Tribute credit card from XX/XX/XXXX and how do I want to pay it. I advised him I needed something in writing showing I owe this money to Tribute before I pay anything and he became exsremely billigerent towards me threatening to garnish my wages because he knows I owe it. I advised him that I dont have a Tribute credit card on my credit report in collections and he said there company hasnt released it yet and that 's why, so I told him at this point it 's been 7 years and they could n't go after me legally anyway, but I would be willing to pay the {$300.00} he first offered to settle with me if he emailed me the information I was asking for, but he started yelling at me and wouldnt let me explain anything. He said he didnt have time to email me that information, so because I couldnt speak I just hung up the phone. I was in a car accident in XX/XX/XXXX and had to have extensive XXXX in XX/XX/XXXX that put me out of work for 3 months, so I admit I wasnt able to pay the credit cards I had at that time but I did end up paying two of them off because they worked with me. I have never been spoken to like that by any other company represenatative in my life. He was a complete bully and I have been in tears all day because Im scared of the situation. Please help me with this.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, my coinbase wallet was hacked and drained of {$10000.00} worth of Saitama coin and {$60.00} worth of ETH. This hack happened 4 hours after I connected my wallet to coinbase.com. I had all security measures set up in the wallet, ( seed phrases copied manually, 2FA enabled, and a pin code on the wallet ) the hacker was able to bypass all these security features, and I was never alerted of the transfer, even though I had 2FA setup.

I believe the breach was done through coinbase.com after I connected the wallet, and none of the security worked. I trusted them to keep my money safe, and I used all security measures available to me, yet I was still hacked. My phone and my computer are clean and unmolested, which proves the hack came through the website. 
My case numbers with Coinbase are # XXXX and # XXXX. 

They have offered no resolution, and they're policy specifically states they will issue a refund if : " your account transaction is not authorized or allowed. '' Or " The account transaction is incorrect '' Both of these apply to my situation. This was my life savings, that I trusted them with to invest and protect. None of the security measures worked, yet they are taking no responsibility, and this exact situation has happened to many others in the past few months. Please help me.