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

I am writing to formally complain against EQUIFAX regarding inaccuracies in my personal information and addresses in your records. 
Personal Information : My legal Name is : XXXX XXXX XXXX XXXX My Address is : XXXX XXXX XXXX, XXXX XXXX, IL XXXX My Date of Birth : XX/XX/year> My last XXXX XXXX XXXX XXXX Social Security Number : XXXX My Employment : XXXX XXXX I have noticed that your records contain multiple names and addresses associated with my profile. This is not only confusing but can also adversely affect my ability to obtain credit and harms my credit reputation. I request that you correct and update my personal information to reflect only one name and one address, and remove any names or addresses tied to credit companies that are incorrect or should not be associated with me.

According to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I have the right to maintain the accuracy of information in my credit report and to request the correction of inaccuracies.

Additional Documentation : I have attached copies of documents that support my identity and residence. 
Thank you for your attention to this matter, and I look forward to your prompt response. 
Regards XXXX XXXX
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 Consumers 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: Mortgage

I sent a letter to LenderLive requesting cancellation of my private mortgage insurance under the terms of the Homeowners Protection Act. I have reached my XXXX % LTV. LenderLive 's service rep confirmed on XX/XX/XXXX that they receive the letter on XX/XX/XXXX. They said they had 30-60 days to respond. It is now XX/XX/XXXX, the 60-day window has passed, and LenderLive has not responded to my request. What is my recourse?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the following accounts have 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 an account

without my written instructionsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a third section 609 dispute letter to Transunion on XX/XX/2023 for XXXX accounts, " XXXX XXXX XXXX. ", " XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX & " XXXX XXXX ''. It's been over 30 days and the matter has not gotten resolved. In the results of their first investigation and subsequent reinvestigation, they stated in writing that they " verified '' that this item was being " reported correctly ''. But they did not provide me a response within 30 days nor did that respond have any documentation that verifies the information. Once again, it has been way over 30 days for this third letter with no response. Credit company is not complying with their own policy in a timely manner. I'm attaching the letter that was mailed out to them.
Product: Credit card

After almost 14 years of being a faithful credit card holder and user with Bank of America, I received a letter abruptly notifying me of my account closure ( see letter attached ). I made numerous attempts to find out the reasons for my account closure and XXXX XXXX XXXX refused to disclose that information to me. I wrote XXXX XXXX XXXX a certified and registered mail letter ( see attached ) as well as at least six emails ( see one attached ), without receiving any response back from XXXX XXXX XXXX. XXXX XXXX XXXX has not credited my account with credit received from XXXX and continues to report the INCORRECT balance on my account, despite emails received from XXXX informing me that they have credited my account ( see attached ).
Product: Credit reporting, credit repair services, or other personal consumer reports

This loan is with Security Fin I paid them on XX/XX/XXXX in full they gave me a receipt saying XXXX balance. They did not report to the credit bureau 's that the balance is paid in full I called Security fin twice to fix this the first time they told me to wait until the end of XXXX and it will update XXXX I call XXXX to report the incorrect information and the report came back that the information was correct and I sent the receipt from Security fin they still would not correct it. Here it is now XX/XX/XXXX and it is still showing balance XXXX and high balance XXXX on my credit report.
Product: Credit card or prepaid card

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX   or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
Product: Credit card or prepaid card

On XX/XX/XXXX I bought what I thought was a real XXXX XXXX phone case. Its fake I found out and its never been delivered so I want a credit but Barclays cs wont when I dont have the item and the item to be delivered is fraudulent and fake anyway
Product: Mortgage

Our home flooded XXXX XXXX, 2016. We submitted a claim with our Flood Insurance and was paid XXXX in damages. The check was written to us and Ocwen Loan Servicing, LLC ( our mortage co ). ( loan no. XXXX ) ( XXXX ) We contacted Ocwen and was put through to their Loss Draft Department. We were told what documents were needed to get draws from our account. We have repeatedly submitted ALL REQUIRED documents and Ocwen has paid out XXXX as of XXXX. We submitted 3 estimates to be paid on XXXX XXXX. We have called several times a week to check the status of the checks. We are told EVERY TIME something different, ie. XXXX documents now rejected, adjuster document rejected ... They have ALREADY paid out on these contractors bills, how are they now rejected? We are then told our " request for payment '' will be sent to be approved, then we are told are request was approved and check submitted only to NOT receive the check. We paid a fee to have ALL payments overnight mail to us. We call the next day and are once again told the exact same thing, from the rejected documents, to its going to board for approval, to it will be sent out with note to rush the process, etc etc. We CAN NOT have our home repaired and completed if Ocwen holds our insurance money and does not pay out to our contractors. We are homeless and just want to go home. This is OUR Insurance money, NOT Ocwens money. How can they NOT pay out when we have complied with their policy, rules and regulations.
Product: Credit card or prepaid card

My wife and I went to a XXXX  XXXX in XXXX XXXX, TX on XXXX XXXX   XX/XX/2018. We were interested in purchasing a couch and talked to a sales representative there about purchasing a couch. They told us that we could get the couch and if we were approved for a credit card, we could chose to have 0 % interest for one year or 10 % " cash back '' in XXXX XXXX dollars to spend on additional XXXX XXXX merchandise. We told her we would think about it over lunch and she gave us a piece of paper to apply for the credit card online while we were eating. We applied, were approved, and came back to the store afterward to purchase the couch. We opted for the " No interest for a year '' option with the sales representative. The couch had to be special ordered and so we waited until around XX/XX/XXXX to receive it. We got our first statement in XX/XX/XXXX with a purchase date of XX/XX/2018 ( this is not correct ) for {$2800.00} ( this is correct ). We calculated the amount we would need to pay monthly to pay off the card before twelve months and set up monthly payments of {$300.00}. We have been making monthly payments of {$300.00} since XX/XX/XXXX ( our first payment due date ). We JUST this month noticed that we were getting charged interest each month ( {$64.00}, {$62.00}, {$58.00}, {$51.00} over the past four months ). We also have NO XXXX XXXX rewards. Looking back over our paperwork, our first statement said " look for your {$270.00} in rewards coming later this month '' but those never came. So, we received neither the promotion we wanted or the other promotion. Our account currently says that we have spent {$140.00} this cycle and are {$100.00} away from our first reward dollars. We called our local XXXX XXXX where we purchased the couch and told them about our problem. They pulled up our paperwork and confirmed that we had selected the 0 % interest option. The manager there, XXXX, agreed that we should not have been charged interest but that it is up to the bank. She offered to send the paperwork to the bank that holds the credit card and try to get our interest refunded. Five days later, she called us back to let us know that the bank will not reverse the interest because too much time had passed. They said we would have had to have caught the mistake in XX/XX/XXXX in order to have the interest reversed. This is not our mistake but an admitted mistake by XXXX XXXX, yet we are being charged for it. We could have bought this couch on ANY other credit card and received significant points for our purchase. There was NO REASON for us to open an additional credit card without receiving any benefit. We have since paid the entire couch off ( XX/XX/2018 ) to stop us from being charged additional interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent out paperwork to Lexis Nexis asking them to validate how and where they received information on a bankruptcy that they are reporting on my credit report.They have not sent me anything In writing as to how they validated this information they are reporting on my credit report. And the federal law requires them to respond within a 30 day window, and they are sending out consumer reports and not what I am asking for. I reached out to you guys before on another matter and to know avail. I really hope we can reach a resolution on this matter. I am only coming here because I was told this is what you guys are here for. And if they received this information thru E-OSCAR it is not legit and they will not explain to me where they are receiving it from as a consumer I have a right to know how they retrieved it.
Product: Money transfer, virtual currency, or money service

Several times I have sent money to someone for personal and for purchase. I could be one digit off and the money is out of my account and it would be to the wrong person. I called Zelle to see what I can do because it shows " pending '' as in not accepted yet and I basically get nothing from customer service that there's nothing they can do. If it's pending why is there nothing you can do. It seems as if the incorrect account was not a real account and they're just keeping my money due to my mistake.
Product: Mortgage

XXXXr my mortgage company has been paying my taxes to the wrong parcel. Today I was notified by the XXXX county taxes that I am behind XXXX. XXXX county states in the letter that if this isnt paid they will be selling my home. When I called Mr Cooper they told me the XXXX tax department does not have any phones? And that so would need to send a email. So I emailed my closing papers, the XXXX county tax with the right parcel number. Please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I'm writing for you for URGENT assistance to correct some information on my credit file which is hindering me from gaining employment, getting financed for housing, and life necessities. 

PLEASE VERIFY THEY HAVE MY CORRECT CONTACT/ADDRESS INFORMATION. 

Trans Union is reporting unknown inquiry information from dates XX/XX/2018 - XX/XX/2018 that I didn't legally authorize. They're illegally allowing companies to run my credit without approval. 

This information is negatively affecting my credit score, and I would like it removed ASAP. 

Please assist me in getting these items removed from my report so I can no longer be prohibited by the negative information which is impacting my livelihood.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I want to stress how crucial correct credit reporting is for maintaining the integrity of the credit reporting system as well as for my own financial security. To maintain fair and transparent processes, credit reporting organizations such as yours must satisfy their requirements under the Fair Credit Reporting Act ( FCRA ). The FCRA was established to safeguard consumers like myself as well as other people 's privacy, and you will obey the law! Alternatively, you risk having to pay me {$1000.00} as a result of your noncompliance with 15 USC 1681n civil responsibility.

I have been trying to work my way through your maze-like dispute resolution procedure for months in the vain hope of finding a solution that never seems to come together. At every turn, I've run into obstacles, delays, and an overpowering sense of dissatisfaction rather than solutions. It's depressing to observe how little consideration your organization appears to have for the serious consequences these mistakes may have for people just like me. 

I have experienced financial damages as a result of multiple attempts to file a complaint, in accordance with 15 USC 1681n Civil Liability for Non-Complaint. As a result, your company owes me {$1000.00} plus my attorney fees, which will be related to my pursuing legal action. I hope you can see that this is my next course of action. I hope you realize that I have meticulously documented every response you have given me.
Product: Student loan

I am filing a complaint due to the refund I should have received concerning being misled by the XXXX XXXX XXXX XXXX and Navient, for who I received a loan when it was with XXXX XXXX XXXX. 
I filed a grievance through " Brower 's Defense '' in XXXX of XXXX and won my case in XXXX. The remainder of my loan was adjusted on XX/XX/XXXX. I wasn't aware that I could file a grievance. I had been under forbearance or some type of repayment plan from XXXX to XXXX. After I won my case, I asked Navient about a refund. They told me I needed to speak to Studentaid.gov. I reached out to Studentaid.gov and I was told that I needed to talk back to the issuer of the loan. I contacted Navient again and was then advised again to speak to Studentaid.gov. At that point, I felt like I was getting the runaround so I filed a complaint with Studentaid.gov. I received a confirmation email on XX/XX/XXXX that my case will be reviewed and I will get a response soon. The last time I heard from Studentaid.gov was on XX/XX/XXXX stating my " Borrower Defense application is under the XXXX XXXX XXXX settlement. '' They provided me with another case number and told me that their " team is working on reviewing your account and processing your refund. '' I have sent them 3 to 4 emails since then. The last email to Studentaid.gov was XX/XX/XXXX. Therefore, I do not know the status of my refund because Studentaid.gov stopped responding to me. I don't know if it has anything to do with the new lawsuit against Navient.
Product: Debt collection

When I called this business I requested a professional license number and some form of written validation of their legitimacy. I was told to search them on the internet. They even refused to give me their street address. They claim that due to privacy laws they can not disclose any information about their business unless I provided my address and date of birth. I do not feel comfortable with this. Also, when I refused to give out my personal information I was told these are time sensitive matters and I will only be delaying the issue at hand. This felt like a threat.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX  XXXX # XXXX Account Name : XXXX XXXX  # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/year>
Product: Credit card

ALLY credit card company said they did not receive my payment or it came back as insufficient funds and it dropped my credit score down XXXX points but my bank shows that it was taken out on XXXX XXXX when my bill was due on the XXXX so I paid it early and they say they did not receive it so it made my account late
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress.

( 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 redres for these violations.
Product: Credit reporting or other personal consumer reports

Greetings, I need you to eliminate this from my credit, it is affecting me and I am a father and the fact that it is damaging my credit does not allow me to believe. I hope you can help me. 

XXXX XXXX {$5300.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

XXXX Charge Off reporting incorrectly. 
I contacted XXXX and they were not able to provide information regarding this Charge off Account
Product: Checking or savings account

On the night of XX/XX/2021, I logged into my Moneylion bank account to find that my balance was at {$0.00}. Around {$9000.00} was missing from my acct. I immediately called customer service and the representative went over numerous multiple back to back charges at gas station/convenience stores located in or around XXXX, Ca. I have never been to that area of California and over the past XXXX I havent gone further than XXXX away from my home in XXXX XXXX XXXX Ca XXXX My debit card has also never left my possession nor does anyone have access to it. Due to Covid the number of people I see on a daily basis is extremely limited and my debit card has never left my possession. I still have my debit card that has since been deactivated. I asked the representative for detailed statements detailing all the unauthorized charges because I was only able to view very limited details through the app and only about the past 20 or so transactions. She stated I could get detailed statements through the fraud dept and she emailed me fraudulent charges paperwork to be filled out and returned, which I returned immediately. On XXXX XXXX 2021 I received an email stating that the paperwork I filled out and sent as an attachment in an email, could not be opened and that I needed to resubmit paperwork as a PDF file. On XXXX 2021 I resubmitted the paperwork as a PDF. I resubmitted paperwork on XXXX XXXX and I sent a separate email to the fraud dept. explaining that I had resubmitted the paperwork and I would like confirmation and that I would also need to see my detailed statements. On XXXX XXXX I received confirmation that my paperwork was received. At the time I filed police reports with the XXXX XXXX PD and also with Police dept in XXXX, Ca using the details I could remember from the initial phone call to report the unauthorized charges. I was told on the intial phone call that I would receive provisional funds within 10 business days. After 10 business days I began calling because I had not received my funds back into my account. Numerous days I sat on hold for over an hour and when it reached XXXX my time, I would be hung up on or transferred to general customer service because the fraud dept was now closed. I work XXXX and was having to miss work to make these phone calls. On XXXX XXXX at approx XXXX I got through to someone in the fraud dept. who verified my paperwork had been received but due to it being the end of the day he would have to return a call to me in the morning. I never received a call, at this point Im at a loss. XXXX was ruined as I had no money, that money was every dime I had been saving up and its gone and I have zero faith in getting it back at this point. A coworker suggested I try to get help through CFPB.