23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Ditech is claiming that I have a escrow shortage and need to pay {$160.00} more per month than the anticipated disbursements THEY calculated for the year. Where is this extra money going? Will I get a refund at the end of the year? Will my payments go down months later? How much of these additional funds of mine do they have now? Additionally, my payment is due on the first of the month, and they call daily, morning, afternoon, and night, in the same month before it is even 30 days past due. I believe they are breaking laws re their handling of escrow funds and collection practices.
Product: Credit card

not letting me use my cards as i have for the past 6 years
Product: Credit reporting, credit repair services, or other personal consumer reports

In early XX/XX/XXXX I was contacted by a man who gave the name XXXX XXXX under the phone number XXXX, claiming to be part of the loan company XXXX offering me a low interest rate loan that I qualified for under the new XXXX - XXXX XXXX. Then using my identity he was able to access my Wells Fargo bank account and had unauthorized refunds issued by the bank by making fraudulent claims on multiple creditor accounts. Of note, Wells Fargo has admitted that after hearing the recordings it was definitely not me, nor my phone number. They never asked for a passcode or other security information to verify that it was in fact me. Also of note, the identity theft and fraud through Wells Fargo had been over multiple days and involved more than ten separate transactions ; totaling loss of {$7500.00}. As soon as I became aware of what was going on I immediately notified Wells Fargo, the branch as well as the dispute office. I have written Wells Fargo on this issue over five times and called well over 30 times ending up with the last report being filed in XXXX of XXXX with claim representative XXXX XXXX report number XXXX, contact number XXXX. I was promised a resolution within 10 days and never received any further contact. Beyond the {$7500.00} in losses my credit score dropped over 250 points. Wells Fargo never notified my creditors of my fraud and I have been denied on over 8 separate occasions from opening a checking account. Lastly, Wells Fargo has admitted that they never returned the fraudulent withdrawals from my creditors even though I immediately notified them of the fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXXXXXX 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

This is the 3rd complaint I have a police report a XXXX XXXX report by Ally Financial XXXX Police Report case number # XXXX. I had to XXXX XXXX XXXX Police XXXX on XXXX so he could do a report and open a case again XXXX that has allows Ally Financial to fraudulently once again reopened a closed charge off account from XX/XX/XXXX from a dispute completed on XX/XX/XXXX which ruined my XXXX XXXX XXXX from a XXXX to a XXXX I received notice that the account once again reopened on XXXX XXXX per XXXX from Ally Financial and they have updated fraudulent information again on XX/XX/XXXX and closed this Ally Financial account once again and updated with a fraudulent closed date of XXXX this account you will see with tut documents uploaded from a XXXX XXXX report on XXXX that this account had a closed charge off date of XXXX I am going to upload a voice recording dated XXXX from XXXX XXXX department XXXX that all the information they was given came from Ally Financial telling them it is verified.on what do to with opening and closing this aged account that not aged not because they fraudulently added a new closed date of XXXX. This is a FCRA violation and this is a FRAUDULENT reporting incorrectly closed dates on purpose by the creditor ALLY FINANCIAL time XXXX stated they cant do anything its ALLY FINANCIAL that is reporting all the information to us. I am SICK and TiRED and SOMETHING need to be DONE and this complex needs to be PROSECUTED for this..I have also filed a FTC Identity fraud complaint as of today XXXX against Ally Financial IDENTITY FRAUD ACCOUNT and IDENTITY FRAUD credit reporting..
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 the timely and effectively measure 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 the appropriate redress for this violation.
Product: Checking or savings account

I disputed a charge from XXXX for a defective air mattress. The air mattress had a hole in it and deflated within 5 days of purchase. Bluebird rep disputed the whole charge which was incorrect. The charge disputed should have been only XXXX plus tax. Blue bird by American Express denied charge stating no money was due. No other explanation was given By blue bird American Express. I faxed a copy of the receipt and told rep I only wanted to dispute XXXX dollars which is price of defective air mattress and tax. 

The product was defective. I contacted XXXX, XXXX refused to give me my money back. 

I submitted a complaint with help me with my bank .gov they stated to contact CFPb. I just want my money back, I shouldnt have to pay for a defective product.
Product: Credit reporting or other personal consumer reports

You are in violation o

f 15 USC 1681s- ( 2 ) ( B ) and 15 USC 1681s- ( 2 ) ( E ) Responsibilities of furnishers of information to consumer reporting agencies. A furnisher has a " ( 2 ) Duty to correct and update information '' " A person who ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate '' You have failed to conduct a reasonable investigation within a timely matter and notify me of the results according to 15 USC 1681s ( 2 ) ( E ) Duty of person after receiving notice of dispute. " After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate.

Please see the attached disputes sent over the last few months.
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor : XXXX XXXX XXXX ( Original Creditor : XXXX  ), Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX XXXX XXXX, Account : XXXX Reason : Delete this unverified and inaccurate account
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap.

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed.

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, XXXX, Experian. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, XXXX, and Experian stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, 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

Experian and XXXX have not removed inaccurate data/inquiries from my account due to fraud. FTC Complaints made also. 

Can you please remove the following inquires below from Experian, XXXX reports I have hired a professional company however the credit agencies are not compliant. 

Experian : XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still another account that needs to be UPDATED. The 3 credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account gets corrected. 
XXXX XXXX XXXX Balance : {$12000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell credit bureaus 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, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX, XXXX ; XXXXXXXX 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: Mortgage

i got involved in the corona relief plan offered by Wells Fargo on XX/XX/XXXX. It was to be 90 days, no negative reporting and it ended XXXX XX/XX/XXXX. I made my 3 payments and was offered a one a month defferal. I made 4 more payments and realized they never did the defferal and filed an executive office complaint. I had 5 representatives over a 6 month period with excuses and explanations and when pressed the they deffer 5 months which put my account way ahead and will cost a lot of extra interest in future so i requested it be repaired. They stopped reporting my credit in XX/XX/XXXX to cover their errors while they created dozens of adjustments and made a mockery of my payment history. I finally got a representative in XXXX that got account put back together and have made 6 more payments since. The main issue now is they are not reporting to credit bureaus, improper crediting of payments to principle from their adjustments and they even deleted the tradelines on all bureaus making my credit score drop 100 points. I have asked, complained and threatened legal action and they say its not the law. They want me to agree to a statement that they can report everything? The only thing that should be reported is forebearance XXXX and the 12 payments and deferal done since XX/XX/XXXX. The dozens of adjustments made and mistakes made by Wells Fargo is not my doing. I was offered defferal, did not ask for it. I did not ask for a year of issues when i signed up XX/XX/XXXX they are trying to cover their errors with my credit reporting and also making it impossible to refinance or obtain other loans. I have been injured by this greedy and corrupt bank and want compensation, redemption and my XXXX score back. They should at a minimum be reporting payments made, balance and current status since XX/XX/XXXX when they finally put this together on all 3 major credit bureaus. I have dozens of documents and bank statements from my other bank if you need documentation. My account at Wells Fargo changed daily between XXXX and XX/XX/XXXX from 4 months ahead to 1 month behind, payments held in holding account and all types of adjustments they made to cover themselves and they want to report that? Factual information is that Wells Fargo is corrupt, incompetent and devious.
Product: Debt collection

I am writing to file a complaint against CREDENCE RESOURCE MANAGE for multiple violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I have encountered several issues with their conduct that have adversely affected my consumer rights. 

Failure to Provide Validation Information : Under 12 CFR 1006.34 ( b ) ( 5 ), the collection agency is obligated to provide validation information upon request. Despite my request, they have failed to furnish any validation information, yet they proceeded to report the debt to consumer reporting agencies. 

Denial of Dispute Opportunity : As per 12 CFR 1006.34 ( c ) ( 4 ) ( i ), consumers have the right to dispute the accuracy of a debt. Unfortunately, CREDENCE RESOURCE MANAGE has denied me the opportunity to dispute the account, violating my rights under the aforementioned regulation.

Use of False, Misleading, and Deceptive Means : The collection agency has engaged in false, misleading, and deceptive practices. Such conduct is in direct violation of consumer rights, and I request a thorough investigation into these practices to prevent further harm to consumers. 

Furnishing Information Without Disclosures : The collection agency has furnished the debt to consumer reporting agencies without providing the necessary disclosures required by law. This is a clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 [ 7 ) ( A ).

I kindly request that the Consumer Financial Protection Bureau conducts a thorough investigation into these matters and takes appropriate actions to rectify the violations committed by CREDENCE RESOURCE MANAGE. I am seeking redress and a resolution that upholds my rights as a consumer. 

Enclosed with this letter, please find documentation supporting my claims, including proof of my request for validation information and any communication with [ Collection Agency Name ]. I believe a prompt investigation will reveal the extent of their non-compliance with federal regulations. 

Thank you for your attention to this matter. I look forward to a swift resolution and appreciate your efforts in protecting consumer rights.
Product: Checking or savings account

My debit card was in my ourse that was stolen from in side my car and I was not aware of the card being in my purse right away. I found out that my card had been used for many days by the time I relized it was missing. 
The bank denied my disputes for no reason and I have been treated with prejudice. 
demand that my account be credited for the disputed transactions that I did not authorize when my card was stolen. I disputed within the 60 day timeline, and even filed a police report. 
During the XXXX period that unauthorized transactions were being made to my account I was banking in person by transferring money from another account and coming in to withdraw cash which I used my Drivers lisence to complete the withdrawal with, since I could not find my card. Therefore I remained unaware of the activity that was taking place with money already in my account unrelated to the transfers that I completed specifically for the reason to withdraw the cash. When I withdrew cash I just took it and left and nobody ever discussed anything related to the money already in the account prior to transfer. So I never took any actions until later. I am still unsure if all transactions were disputed properly since only 9 at a time could be submitted and it became confusing to me when going through allof the transactions. My card was stoled along with my purse on XX/XX/2022 so any transactions that were made from that time forward till I was able to get a new card. They also skipped transactions when they were including each on because there is not the same amount credited back to my account Thank You
Product: Debt collection

On XX/XX/XXXX, I got a letter from XXXX XXXX XXXX XXXX , XXXX. saying that a judgement against me was in place by their client LVNV Funding LLC. and the original creditor was XXXX XXXX XXXX   XXXX. 
As of the date of the letter the amount owe is XXXX ... 
________________________________________________________ OnXX/XX/XXXX, I sent my dispute to XXXX XXXX XXXX XXXX , XXXX . 
The verification sent to me on XX/XX/XXXX didn't prove I owe this debt. a copy of a credit card account with XXXX  XXXX card services that didn't have my information. A copy of a default judgement dated on XX/XX/XXXX with State of New Mexico County of XXXX XXXX XXXXirst Judicial District Court .the balance was XXXX. court costs {$160.00} and Attorney 's fees of {$200.00}.
Product: Credit reporting or other personal consumer reports

REMOVE UNAUTHORIZED FRAUDULENT INQUIRES TRANSUNION UNAUTHORIZED FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

transaction was reported on my credit report that violated my consumer rights. 

15 U.S.C 1681b ( 604 ) - ( A ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) .In accordance with the written consent of the consumer to whom it relates. 
I never gave XXXX written consent to furnish any inquries on my credit report they are in violation of the FCRA.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.
Product: Credit reporting, credit repair services, 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 confidentially under 15 USC 1681. 

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 XXXXXXXX, has violated my rights. 

15 USC 1681 section 602 A, States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 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 reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Weltman, Weinberg, & Reis has continued to pursue legal action against me in a state that I do not live in, despite notification of the move. Due to my inability to travel to represent myself, they were awarded a default judgement and continue to take action against me.
Product: Checking or savings account

My XXXX  job submitted my payroll to be in my account for today. My bank is denying it and hiding it from me. I get all of my other deposits, and they are denying me my payroll deposit. Fraudulent bank activity and organized crime.
Product: Debt collection

I.C. System INC. put a collection of {$610.00} on my credit report from XXXX XXXX XXXX XXXX. I dispute this debt to the fullest.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( block, inc. ) due to inadequate customer service nd unfair practices which violate the customer financial protection act ( Cfpa ). Specifically, cash app failed to take timely nd effective measures to prevent nd address fraud on their platform leaving my account vulnerable nd unprotected furthermore their dispute resolution process was unfair nd deceptive as they did not comply with error resolution requirements
Product: Student loan

From XX/XX/XXXX-XX/XX/XXXXI was on and off of work mainly due to illness and XXXX or just difficulty finding a job. I discussed these issues with Navient and they suggested forbearance or deferment. Every 3-6 months I would get an email that simply stated type y to extend your forbearance/deferment. I had absolutely no idea that interest would pile up and I would end up owing more - they made it sound like it was easy and no big deal. I have 2 loans. One started at XXXX and it is now at XXXX, the other is lower but I still owe over 160k and I went to school for XXXX XXXX! I am only paying about {$60.00} off the principal every month - I have no idea what to do - Im going to die with this loan. I discussed this with Navient and basically I was told I should have known better.