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

XXXX account was opened 100 % fraudulently by somebody else that had stole my identification card! 
I had my taxes from the IRS stolen 2 years in a row, and I had put a personal protection pin for my tax return, and when I return to my XXXX XXXX to check my tax information, and my credit score I found inaccurate fraud accounts opened up in my name that I would like removed please! 

A suspect has used my good credit, and squandered it by opening up fraudulent accounts that I would like taken off please!
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX INQUIRIES : XXXX - XX/XX/XXXX : XXXX XXXX - XX/XX/XXXX2022 : XXXX XXXX XXXX - XX/XX/XXXX2022 XXXX
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX DEPT OF ED XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have repeatedly requested the incorrect information be corrected or deleted from my credit file for over a year with numerous letters being sent by mail. They are repeatedly placing negative information without properly verifying the true and correct information. They are in violation of the credit reporting act by reporting this negative information.
Product: Credit reporting or other personal consumer reports

Inquiry details 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 XXXX XXXX XXXX XXXXXX/XX/XXXX Under the FDCPA ,15 U.S.C.1692-1692p** And any other applicable consumer protection law my dam rights have been violated. I did not approve or make these inquiries. Under the law **15 U.S.C. 1692g ( b ) ** these inquiries need to be removed. Amen. XXXX XXXX
Product: Mortgage

I was through a some financial difficulties back in the beginning of the year ( layoff ). I was late on some of my monthly payments. I requested a payment plan to my mortgage company which they did and I started paying it off. By the time I sent out my last payment, I was told it was a mistake on the calculation and they needed to get another XXXX and with that I would be up to date including any late fees. I just got off the phone and they said I still owe over XXXX hundred dollars of late charges. Can they keep charging late fees on calculations they made?
Product: Checking or savings account

Starting back in XXXX of this year unauthorized money was taking from my account withdraws and atm use. Up to and now over XXXX dollars has been taking. PNC was contacted by phone and in person many times about this problem and nothing was done about it I also contacted the police department with this problem. I was told by PNC that they find no unauthorized transactions. Which is a lie.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I received an alert on my Experian that XXXX  reported unauthorized activity : - Product : XXXX - Dispute Amount : {$210.00} I do not recognize these transactions and have not made any purchases from the listed merchants. It is clear that my XXXX account information has been compromised. I demand the immediate removal of this inaccurate information from my credit report and require a full refund of any unauthorized charges to my bank account to my bank account.
Product: Credit reporting or other personal consumer reports

I am writing to you as the holder of credit card account number XXXX XXXX XXXX XXXX XXXXXXXX to report an issue negatively impacting my credit report that appears to be in violation of the provisions of 15 U.S. Code 1666b, as well as other relevant sections of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments.

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

I have identified that the statements for my credit card have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score.

I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX I would appreciate your prompt attention to this matter to rectify any errors in my credit report. I am willing to provide any additional documentation necessary for your investigation. 

I look forward to receiving written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

On a recent report TransUnion out old married name as new name which is incorrect and you also have XXXX XXXX on reports as a alias which is false iam XXXX XXXX not a male and also you have XXXX as zip which is false it has been XXXX alit if inaccurate info you are hurting my credit over and over
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 with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E.These acts have caused significant inconvenience and financial loss and I seek to redress for these violations.
Product: Credit card

Opened previous CFPB case # XXXX. This is a continuation of that case since I believe that BOA provided an inaccurate response. 

The BOA analyst claimed that I called to setup automatic payments for the minimal balance in 2023, however I called BOA to setup full balance payments at end of month. Bank of America misled me into believing that I had successfully signed up for auto pay for total balance when they instead signed me up for minimal balance. Due to fraudulent activity I was locked out of my account and was unable to access my account causing credit card interest fees to build up. Up until last month, I was unable to pay the bill using the BOA App and because I subscribed to paperless billing, I was unaware of the build up of interest fees. 

I am asking BOA to review the audio recorded when I verbally agreed to what I believe was for automatic full balance payments and not the minimal payment.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report. XXXX XXXX XXXX Balance Owed : {$520.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1400.00} ; XXXX  XXXX XXXX Balance Owed : {$1900.00} ; DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00}.
Product: Debt collection

XXXX XXXX calls my spouse 's phone repeatedly and continuously using various different phone numbers. In fact, my spouse has 20 different phone numbers now in her phone as a " contact '' for XXXX XXXX. Just today, they have called 3 times in 3 hours between XXXX - XXXX.
Product: Mortgage

Mutual of Omaha, through their own actions and inactions, has taken over 8 months to not provide me with a promised reverse mortgage on my home. I went through, and paid for, all the counselling, I paid for the first appraisal. Between the incompetence and failings of my first loan XXXX., his XXXX and their obviously neutered underwriters I was repeatedly asked for the same information already on file. Over the course of the entire ordeal, I amassed large amounts of credit card debt which have become unmanageable. Out of frustration in not being able to obtain a loan, though I met all the criteria, and 6 months after the first appraisal, which, in XX/XX/2020 was already too old to reuse, and having not heard a word about my loan after more than 2 months, I decided to abandon all hope and possibly file for a bankruptcy. I called the company, turned out they had fired my first loan XXXX and his XXXX, but never said a word to me about it until I called to quit the loan. I have no cash left, not much credit left, no income other than my SS Retirement, huge credit debt. I could not afford to try another loan. They convinced me to let them try again and not having any real choice, other than bankruptcy, I did. We are now about 3 months into a new reverse mortgage. They used some of my old data for the new loan but still had the nagging problem of poor internal communications between depts.. IN the first loan they agreed to remove the Loan Origination Fee of about {$3500.00}, but this 2nd time they will not do that. I was not reimbursed for the appraisal I paid for that expired because of Mutual of Omaha 's negligence. I rarely hear from my new loan XXXX and have taken a " It doesn't matter '' attitude because I am heading for a bankruptcy even after all this time and trouble and expense and still not getting the loan I thought was a shoe-in. I am totally disappointed with Mutual of Omaha and how they failed to produce a loan I am supposed to be guaranteed by being a homeowner over the age of XXXX.
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 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA these accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, XXXX, Experian XXXX 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 **We are requesting that these accounts listed below that the late payments are removed on these dates. These accounts are current but we would please ask these banks to remove these late payments on these dates** **late payments** XXXX XX/XX/XXXX XX/XX/XXXX **late payments** XXXX XXXX  XXXX ( XXXX XXXX ) XX/XX/XXXX **late payments** XXXX XXXX XX/XX/XXXX **late payments** XXXX  XXXX XX/XX/XXXX **late payments** ******THE XXXX CARD LISTED BELOW IS ILLEGAL AND UNAUTHORIZED AND NEEDS TO BE REMOVED FROM MY REPORT ASAP! ALSO IT IS PAST THE STATUE OF LIMITATIONS OF REPORTING FOR THIS FRAUDULENT ACCOUNT****** XXXX XXXX  Services Balance {$4100.00} Date Opened XX/XX/XXXX **Inquiries** XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX XX/XX/XXXX XXXX
Product: Credit card or prepaid card

I had a dispute with " bank of the Bank '' on one of their credit card transactions which they were not resolving. I always paid my card on time and took great care of my Credit card, in return as a revenge because I took them to the court they closed my Credit card. ( Please see attached letter I received from them ).

In this country if you will take a credit card to Court you will end up getting your credit card closed. This is such a cheap Credit card company and Bank, I never expected this out from them. I am really surprised, how can they do this with me?
Product: Mortgage

loan  XXXX , per  XXXX   XXXX , wanted a " down payment '' made. A {$100000.00} down payment was made when purchased the home as of  XXXX   XXXX ,  2017.    In  XXXX ,    2017 O cwen came up with a " Shared Appreciation Modification '' was nothing but a great big joke ; Ocwen took my  2 pa yments of over {$6000.00} and wo n't return it ; the loan mod is and was dead ; the modification was for Ocwen 's benefit.   Ocwen wanted to make the loan look current for themselves and investor.   The loan mod was not signed properly, notarized or recorded. It was held over my head while a foreclosure was pending.   Ocwen is trying to modify an interest only loan that 's been interest only from the first day I signed the note. T he Loan is DEAD ENDE D.   This loan needs to be truly looked at because the originator is out of business and so is the company.
Product: Credit card

American Express offers a " Pay Over Time '' function on my XXXXXXXX XXXX. It is advertised, on their website, that you only pay interest " on the amount you choose to pay over time. '' In reality, they are applying interest to the entire card balance, including new charges which have not required payment yet. 

Ex : I underpaid my statement balance last week by about {$2200.00}. Since the end of that statement period, I had another {$6500.00} of charges which were not yet due ; they are due to be paid by XX/XX/22. 

American Express is charging me interest not on the {$2200.00} I elected to pay over time, but on the entire {$8700.00} balance of the card. 

After multiple attempts to get this amended by AMEX, I don't have a choice but to submit the compaint here. I did look in my recent card member agreement, and it discloses that they charge interest in the way I described above. But, this is completely contrary to their marketing material and the way it was sold to me when I first enrolled. I have a screen shot of their website showing that interest will only be charged on amounts you choose not to pay on each statement. It also shows that my card is one of the card this arrangement applies to.
Product: Money transfer, virtual currency, or money service

I went to cash a check at Arvest Bank. The teller asked me to open an account. 
He had me go to an office to answer questions I had before opening the account. Of most importance if SSI deposits were available to customers as quick as XXXX or XXXX XXXX XXXX. He assured me they were, and said at latest Arvest may post one day later. On XX/XX/XXXX XXXX XXXX XXXX and XXXX made available to their accounts the money from SSI. When I did not receive mine by XX/XX/XXXX I called Arvest and asked why not yet, and I was informed Arvest wont post SSI until XX/XX/XXXX. I explained that is not what the guy at the bank told me when I opened my account. I explained my water would be shut off, I would hhave to go without water til the money post, and I am a full-time single dad, thats not easy to go without water. In addition I would also have to pay the disconnect and reconnect fees. When I spoke to members at the bank I was told by two tellers that informed me they are pushed to get as many people as possible to sign up for accounts. I feel the teller who signed me up for the account was pressured to get me to sign up and was going to say what I needed to hear to make it happen. When I spoke with the branch manager she assured me they don't have quota for tellers but wouldn't comment if they are pressured or asked to get everyone to sign up. I would of never been without water for 3 days if it wasn't for the pressure put on the teller or the deceitful tactics to get me to sign up. This cost me the disconnect fee and reconnect fee. Their should not be pressure for tellers to sign up accounts and tellers should not be deceitful.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is now the THIRD complaint I have lodged against Experian with the CFPB for not responding to my dispute within 30 days. I mailed them a dispute on XX/XX/2020. When I didn't get a response I mailed them a demand to comply letter on XX/XX/2020. It is now XX/XX/XXXX, and I have yet to receive a response to my dispute. I have also reached out to my attorney today because they are refusing to remove the incorrect information or even respond to my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an inaccurate late payment on my credit report as a result of fraud charges on my credit card, I have never been late on payments however it is reporting on the credit report. I contacted XXXX fraud dept and they said they are not reporting the late payments and to dispute it with the credit bureaus, I have done that for the past year and nothing has changed. 


XXXX XXXX XXXX Account number XXXX .... 
Recent balance Not reported Date opened XX/XX/XXXX Status Paid, Closed. 
In dispute XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX Address identification number XXXX Type Credit Card Terms NA Credit limit or original amount {$500.00} High balance {$6100.00} Monthly payment {$0.00} Recent payment amount Not reported Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Comment Completed investigation of FCRA dispute - consumer disagrees.

Comment Account closed at credit grantor 's request.

Reinvestigation information This item was updated from our processing of your dispute in XX/XX/XXXX.
Product: Payday loan, title loan, or personal loan

I got a loan for the amount of {$2000.00} XX/XX/XXXX. I was in need of cash because I had just XXXX XXXX XXXX. Covid hit my job pretty bad. Every time we got a case we were sent home without pay. This has caused me to call and discuss the issues with RISE CREDIT.COM  and see what options that I had. They informed me that the payment could be deferred but they would keep accruing intrest. I have been making payments of XXXX every two weeks now because the loan is now XXXX way more the orgainal amount of the loan. I was affected by covid really bad and this company would not assist. I now have a loan that is impossible to pay of because of the interest. I reached out to them to ask them if some of the intrest could be waived so that I am able to afford to pay it back. They would not work with me and only told me the payments would get higher. I am crying right now because Covid was out of my hands and I tried reaching out to them and nothing was working. I just want them to excuse some of the intrest because if that wasn't so high I would have paid this loan off. I have already paid the XXXX off plus some but the loan amount is not going down. I reach out to them and plead my case but they will not assist and state that covid is not their problem either. Even when I didn't have the cash I tried to make payments and whe my job closed I called them and they just added more on. I even tried to refinance the loan so that it can be made more affordable and they still would not help. Please assit with anything that you can do anything.
Product: Credit reporting or other personal consumer reports

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

EVERBANK IS REPORT A WRONGFUL 30 DAY LATE TO OUR CREDIT REPORT ... .That conversation will tell everyone that we made a payment over the phone and gave the rep our account number. The account number given can be crossed checked and determine that Everbank input our data incorrectly. We have paid Everbank before the due date and consistently, they have made a mistake and need to remove our late pay.