23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Good morning, I am the daughter of the owner of a property financed through Banco Popular of XXXX XXXX. A summary of this case is as follows. This mortgage was modified on XXXX and after XXXX years of on time payments as agreed we had a dispute on XXXX when modification end. We found that balance was incredibly raised and my dad did an offer to do a Short Payoff. This offer was counter offer by Banco Popular on a communication dated XX/XX/XXXX by a Bank agent. This counter offer amount was {$81000.00}. After this event, I spoke to the agent and request and additional offer submission and her answer was that an additional offer was totally acceptable. Our second offer was submitted and without any bank communication the pending bank counter offer of {$81000.00} was canceled and a month later without any final answer of our second offer the bank called to inform that our case has been closed and that all documents must be submitted again. Further explaining, without any answer from us and without any bank response, the bank closed the case and opened a new case a few months later. The surprise was that increased the cancellation balance from {$81000.00} to {$110000.00}, approximately {$30000.00} more!!! On XXXX months in a middle of a pandemic it can not be justified a sudden balance increase since property value and interests were almost the same amount. My dad taught me that on business the agreements are of great worth. On this bank the rules are its discretion. In addition, the bank explained me that we had 15 days to close. The bank communication sent explain that we had 15 days to communicate and not to close. I communicated with bank the same day and keep communication constantly. I explain further, the bank did not answer emails, no mortgage banks are operating face to face near the clients and no communication with a XXXX is possible neither. Therefore, I demand the return of {$30000.00} that were paid in excess on the process to avoid foreclosure. Please indicate if there exist any remedy for this. Any additional detail required contact me at XXXX. 
Thanks, XXXX XXXX XXXX
Product: Bank account or service

As with File no 2016 - CFPB XXXX Navy Federal Credit Union froze all my accounts and limited all access to accounts for any past due payments as late as 5 days. My question is what penalty is being paid to those who had accounts froze. I read those that were sent debt collection letters are eligible for up to {$1000.00} however, what about us that have accounts illegal froze. Are we at least able to individual sue them for violations?
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible.. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I want to dispute several inaccuracies present on my credit report. Upon thorough review, I have identified multiple errors that require immediate correction. 
XXXX. Incorrect Name Listings : XXXX XXXX XXXX XXXX Correct Name : XXXX XXXX XXXX XXXX XXXX Incorrect Date of Birth : Incorrect : XX/XX/1983 Correct : XX/XX/1983 XXXX. Erroneous Addresses : XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, PR XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX I have never resided at any of the above-listed addresses. 
Additionally, I request that my address be updated in your records to reflect the following : XXXX. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, PR, XXXX Enclosed are copies of documents supporting my correct name, date of birth, and current address. 

Per the Fair Credit Reporting Act, I kindly request that you investigate these discrepancies promptly and take the necessary steps to rectify them. Furthermore, I ask for written confirmation of the actions taken to address these errors, as well as an updated copy of my credit report reflecting the corrections made. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution.
Product: Credit card or prepaid card

In XX/XX/2021, I changed the my auto-payment bank account ( i.e. the account from which my balance was paid every month ) and lost my Bank of America Visa, thus getting a new account number. 

On two occasions in winter, I entered information concerning my new auto-payment bank account and spent more than 10 hours trying to pay automatically. Each time, I appeared to be successful, the automatic payment appeared and was then refused, adding late fees and returned check charges. I refuse to pay any late charges since late payment was caused by their software problems. 

I have sent them three letters and have opted out of further electronic communication with them. 

In addition, during my last conversation with their representative, I learned that their file contains erroneous accounts. It reports that I was called at work ( I have been retired for 15 years ) and that I claimed my wife handles the bills ( I am divorced ). I have notes on the actual conversation. I was told that this information was supplied by a vendor, but it was clearly fabricated. 

I have sent them a check for full payment of my original balance, and told them to close my account. I have not heard back.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against TransUnion regarding their failure to address the inaccuracies on my credit report and incorrect personal information, despite my efforts to rectify the situation. 

On XX/XX/year>, I mailed a dispute letter to TransUnion, requesting an investigation into inaccurate items on my credit report and disputing incorrect personal information. These inaccuracies and incorrect personal details have adversely affected my financial standing and credibility. 

I made sure to include a copy of my photo ID, social security card, and recent bill with my current address to help TransUnion verify my identity and address. 

I received a response back from TransUnion dated XX/XX/year>, stating the following : We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 

In addition, On XX/XX/year>, I mailed a dispute letter again to TransUnion, requesting an investigation into inaccurate items on my credit report and disputing incorrect personal information. But despite my efforts to comply with the Fair Credit Reporting Act ( FCRA ) guidelines and provide all necessary information, TransUnion has failed to acknowledge or act upon my dispute within the legally mandated timeframe. I did not receive a response back from TransUnion with the investigation results. 

I have taken significant care to ensure the accuracy of my credit report and to protect my financial reputation. However, TransUnion 's failure to respond appropriately has caused unwarranted stress and financial implications for me. 


It appears that TransUnion has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute, which they are required to do in accordance with the Fair Credit Reporting Act. 


I am seeking prompt intervention from the Consumer Financial Protection Bureau to compel TransUnion to conduct a thorough investigation into the disputed items and incorrect personal information on my credit report and to take necessary corrective action as per the FCRA guidelines. 

I am including a copy of my dispute letter sent to TransUnion, and proof of delivery, along with TransUnions response as proof.
Product: Student loan

In late XX/XX/XXXXI was laid off and that carried over into XXXX. Laid off for the first time in my 12yr+ working career. I was struggling to make ends meat and to pay my bills on time. However, I call Navient and they basically said there was NOTHING they could do to assist me and that I should just continue to pay my bills on time. This did NOT sit well w/me as I struggled around the holiday time. <P/>Well, now I would LOVE to have my interest rate lowered for my current student loans, forgiven, or refinanced. That is my end goal here. I owe approximately $ XXXX and my projected payoff year is XXXX. I have called about this and Navient does n't seem to care or even willing to help instead they respond to me by telling me my next due date. <P/>Thanks!
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed ITEMS, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must DELETE the following ITEMS from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Mortgage

I have been trying to sell the property. I learned today that the Mortgage company once again has sent in there preservation company to cut the locks on the property and leave it open. They did this in 2021. I called them and they referred me to XXXX XXXX XXXX I've called the company and it goes to voicemail.
Product: Credit card or prepaid card

Multiple charges from XXXXXXXX XXXX XXXX  in varying amounts- Direct Express did not believe the charges were fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account, XXXX XXXX # XXXX, XXXX XXXX XXXX, Dept of ED/XXXX  # XXXX, Dept of ED/XXXX  # XXXX, Dept of ED/XXXX  # XXXX, XXXX XXXX # XXXX has violated my rights XXXX 

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: Debt collection

1.- On XX/XX/XXXX & XX/XX/XXXX received at my address letters from XXXX XXXX XXXX XXXX XXXX . debt collectors for XXXX XXXX XXXX. indicating that judgments ( 2 ) had been entered in Superior Court of New Jersey : Law Division XXXX Special Civil Part ( Docket Numbers XXXX and XXXX.

2.- I am not XXXX XXXX XXXX , but XXXX XXXX XXXX  3.- Their letter indicates they are trying to collect amounts dated the year XX/XX/XXXX. They represent XXXX XXXX  purchaser of these debts from XXXX  and XXXX  ( South Dakota ).

4.- I have never had any dealings with either XXXX or XXXX.

5.- I have never received any notice of any debt from these companies or from any entity until the letters indicated in number 1 above.

6.- Further, during the year in question ( XX/XX/XXXX ) I was not resident of the state of New Jersey .

7.- I have requested from the debt collectors copies of all pertinent documents related to this matter i.e. credit applications, date of purchases, payment history and any and all correspondence to me, legal or otherwise.

8.- Seems that XXXX, XXXX  and XXXX  are trying to collect amounts based on incorrect information, but targeting my address and name even though they have a middle initial that does not correspond with mine.
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 fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I Seek appropriate redress for these violations.
Product: Credit card

I noticed a HARD INQUIRY on my credit report from Capital One on XXXX. I did NOT ask for nor approve any application with them. I have had XXXX cards before, but all were closed many years ago. 
I did nothing at the time, but paid close attention to my reports. 

On XXXX I received an APPROVED physical debit card from Chime.com in my mail that I never asked for. 
I called XXXX and reported this. They were helpful, closed the account, and suggested I file a report. 

I have submitted a fraud report to the XXXX bureaus on XXXX and they put an alert on my account. I signed up for premier plan from XXXX. 

I verbally had a few inconsistencies removed from my files. 

I am concerned it will happen again.
Product: Credit reporting or other personal consumer reports

I paid my debt in full XX/XX/2022, I have contacted this company ( Caine and Weiner ) several times and no one picked up, or they told me to leave a voice message, I left a voice message and no phone call back, I also emailed them and no response on the email.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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: Money transfer, virtual currency, or money service

I bought. XXXX bitcoin in XX/XX/XXXX and used coinbase as my wallet. InXX/XX/XXXX, I realized how much money that was and tried to log back in to sell part of my bitcoin. Unfortunately, the email that I used was one I had just lost access to earlier that month. I emailed coinbase support on XX/XX/XXXX after taking all of the steps necessary to regain access to my funds ( set up new account, verified identity, linked same bank account, etc ). On XX/XX/XXXX I got an generic automated email back that did not at all acknowledge that I had already specified it was a 'priority issue ' so I emailed them back all of my information again. On XX/XX/XXXX I received an email that they were working with a 'specialist ' to finalize the transfer and that they would follow up as soon as the transfer was complete or if they had any other questions. I emailed them on XX/XX/XXXX to check for an update because I still had no money. It is now XX/XX/XXXX and I have heard nothing and still have no access to my money. From the moment I contacted them 5 weeks ago, I have watched my money diminish. I feel like I'm being intentionally made to wait and wait until my bitcoin is worth a fraction of what it was when I first contacted them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX *** ** XXXX Equifax P.O. Box XXXX XXXX, GA XXXX XX/XX/XXXX XXXX : Request Investigation of Credit Inquiry on My Behalf Dear Credit Bureau Representative, I recently reviewed a copy of my credit report on XX/XX/XXXX and noticed twenty number of inquiries that were unauthorized, inaccurate, or made in error. 
The following inquiries are impermissible : XXXX. XXXX XXXXXXXX - XXXX XXXX. Date of inquiry, XX/XX/XXXX. 
XXXX. XXXX XXXX - XXXX XXXX. Date of inquiry, XX/XX/XXXX. 
XXXX. XXXX - XXXX XXXX. Date of inquiry, XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX XXXX. Date of inquiry, XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX XXXX. Date of inquiry, XXXX XXXX. 
XXXX. XXXX XXXX. Date of inquiry, XXXX XXXX. 
XXXX. XXXX  - XXXX XXXX. Date of inquiry, XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX XXXX. Date of inquiry, XX/XX/XXXX. 
XXXX. XXXXXXXX XXXX XXXX. XXXX XXXX XXXX Date of inquiry, XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Date of inquiry, XX/XX/XXXX XXXX. XXXX XXXXXXXX - XXXX XXXX. Date of inquiry, XX/XX/XXXX XXXX. XXXX XXXX - XXXX XXXX. Date of inquiry, XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX. Date of inquiry, XX/XX/XXXX XXXX. XXXX XXXX. Date of inquiry, XX/XX/XXXX XXXX. XXXX XXXX XXXX Date of inquiry, XX/XX/XXXX XXXX. The XXXX XXXX. Date of inquiry, XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX XXXX. Date of inquiry, XX/XX/XXXX XXXX. XXXX XXXX XXXX. Date of inquiry, XX/XX/XXXX XXXX. XXXX XXXX XXXX. Date of inquiry, XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  Date of inquiry, XX/XX/XXXX I Kindly ask that you please remove these inquiries from my credit report immediately. 
Should any of these companies claim to have pulled my credit report validly, then it is within my legal rights to ask for verification details : XXXX The name and job title of the individual who pulled my credit XXXX The date they claim to have received my permission to pull my credit XXXX The method they claim that I authorized them to pull my credit Please also attach documentation to support the verification of these claims. 
Thank you for your prompt assistance with this matter. 

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

In accordance with the fair credit reporting act XXXX XXXX Account # XXXX has violated my rights. 

In accordance with the fair credit reporting act, acct # XXXX OF Gm Financial, has violated my rights. 

15 USC 1681 Section 602 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 a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a account under a open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX and XXXX are taken advantage of me by furnishing items on my Consumer report without my Consent. This is Identity Theft define by 18 usc 1028 ( a ) I did not consent to anyone to furnish anything on my consumer report. The are also Violating several other FDCPA LAWS as well as FCRA. My right to Privacy, Permissible Purpose. And 15 usc1666 Billing Error. They are reporting Fraudulent late payments on my report as well. I Demand they remove all Fraudulent/ Inaccurate accounts from my report in Accordance to the FDCPA and FCRA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loans are currently reflecting incorrectly on all of the major credit bureaus. I have investigated and just now sent in for a complete investigation/audit to XXXX for refund issues with XXXX XXXX University and XXXX XXXX College. 
Since obtaining my loans I was never properly Advised that by not doing a small income driven payment I would be saving myself apparently now thousands of dollars. Each time I have contacted them I was placed only on a forbearance. 
As of now XXXX XXXX is reflecting the following to the bureaus which has my debt to income ratio WAY over the limits and is causing me to not be able to obtain loans and causing me negative harm and higher premiums on loans and insurance. 

I tried contacting the consumer to find out why the balance ( amount that I have borrowed is right @ XXXX more than the what I originally borrowed ) and I get no where but transferred around. It can not be possible that I have generated XXXX interest on my account and if I have it is their fault for not placing me on a program where I would have at least been paying the interest while I was in school. They false advertise and their customer service lies to students about the options they have. 
According to the FCRA if XXXX XXXX falsely reports information and the Bureaus do not fully investigate ( which I have asked to do on multiple occasions ) They are required to remove this account from my files.
Product: Credit reporting, credit repair services, or other personal consumer reports

After calling XXXX, Transunion, and XXXX on many different occasions to resolve my childsupport being reported as owed and it is not owed they are still violationing my rights per the FCRA by reporting the false information. They are also hurting my chances of obtaining any credit by falsely reporting incorrect information. I sent faxed Transunion and equifax the letter my case worker sent me stating that I do not owe anything and I also uploaded it to XXXX but once calling XXXX  they said they didnt receive it. Transunion and XXXX are saying they cant delete it with the letter which is proof that I do not owe anything in childsupport. I have paid on time for several months and I became current in XXXX of 2017. XXXX  told me to get in touch with my case worker again to see if she did her part. She insured me that she has done everything she needed to do and its the credit bureaus that havent done their part. By reporting this childsupport not only are they violating the FCRA rules and regulations but they are also hurting my character. I have tried calling and calling the credit bureaus to resolve this promblem on numerous of occasions and they have yet to comply with the FCRA rules. The credit bureaus can not continue to report inaccurate information on my credit file. The law is very clear as to the civil liability and the remedy available to me, FCRA 616 & 617.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account, Account Name : XXXX XXXX XXXX XXXX XXXX 
Account Number : XXXX, Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX  Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account Name : XXXX Account Number : XXXX XXXX, Account Name : XXXX XXXX  Account Number : XXXX XXXX, Account Name : XXXX Account Number : XXXX, Account Name : XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX Account Number : XXXX, Account Name : XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : 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