23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

A credit card application has been submitted with my maiden name & ssn on or before XX/XX/2024. I requested the info off of the application to determine if I need to invest in higher level ID theft insurance & security, or if a specific individual should be monitored with possible police involvement. I was told an FTC affidavit was required. However, since no money was diverted as the application was appropriately flagged, the FTC ( both via their online portal & on a phone call ) declined to provide an affidavit. I contacted Chase again & was told that they would not make any exceptions. I feel that this is unfair, causing me to potentially buy several XXXX of dollars worth of protection that may not help if a specific local person is using my info. It feels like I needed to have that person actually open the card & steal money in order to best protect myself from someone opening a card & stealing my money.
Product: Mortgage

My loan was being serviced by Rushmore Loan Management # XXXX. I refinanced into an FHA streamlined with XXXX XXXX who they also service loans for. My loan closing was on XX/XX/XXXX with a right of recession for XX/XX/XXXX. XXXX XXXX wired the funds for my closing out to Rushmore on XX/XX/XXXX. When i looked at my account online it reflected a posting date as of XX/XX/2021, which was incorrect due to the wire being sent on XX/XX/XXXX. I do know that there is a Fed reference number that will reflect the wire transfer and that by law the company is to use this date for receipt of funds. I called and spoke with a manager on the XX/XX/XXXX who stated that the system coming into a new year and they coming back into the office on the XXXX had a glitch and they would be updating the date to reflect the XXXX. Today i spoke with XXXX ( manager in customer care ) who stated i needed to submit the fed reference # which he knew i would not have to get the date corrected. The payoff good thru XX/XX/XXXX that i ordered showed {$320000.00} ; however they were paid {$320000.00} which was the good thru to XX/XX/XXXX. I am due a refund of my difference which this company has not issued out.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correct some of the adverse information previously stated on my credit file is appreciated. However, as of the moment I feel there are still accounts on my file that need to be REPAIRED. For that reason, I request that all of the inaccurate information attached to the accounts listed in my credit file be fixed immediately : XXXX Date XXXX : XX/XX/XXXX XXXX Balance Owed : {$54.00} XXXX XXXX  Date Opened : XX/XX/XXXX XXXX Balance Owed : {$2500.00} XXXX  Date Opened : XX/XX/XXXX XXXX Balance Owed : {$690.00} XXXX  Date Opened : XX/XX/XXXX XXXX Balance Owed : {$940.00} XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$35000.00} XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$150.00}.
Product: Credit reporting or other personal consumer reports

Dear XXXX/Contfin : This letter serves as a formal complaint regarding acct # XXXX In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681section 604a section 2 it also states a consumer reporting agency can not furnish and account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card on an open and consumer credit plan as late for any purpose
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 for these violations. 
XXXX XXXXXXXX Is my cash app tag
Product: Credit reporting, credit repair services, or other personal consumer reports

I had residential mortgage loan with Ocwen Loan Servicing, LLC, Loan No. XXXX. The Loan has been paid off as of XXXX 2016. All payments on the loan were made by automatic electronic payment system through my bank. No payments were ever late. However, in XXXX 2016, for unknown reason, Ocwen returned one payment, even though it was the same as every prior payment on the loan. Ocwen then started charging late fees, and applying subsequent payments to that payment. Upon learning such and speaking to Ocwen representative, I made double payment. I also spoke to supervisor and upon sending in the bank record showing EVERY payment from my bank, the representative approved removing late charges. Ocwen, however, continues to list late payments on my credit report. It is adversely impacting my credit, and I am in process of applying for new loan. I spoke with Ocwen customer service 2 weeks ago and was told they would respond in 10 days. No response has been forthcoming. I sent urgent email last week. After years of similar payments by my bank, Ocwen acted capriciously in rejecting my timely payment. Ocwen once did acknowledge the error and removed the late charges. Ocwen, however, is not correcting the credit reporting on their error, and it is adversely impacting the credit of my reports ( XXXX XXXX XXXX ) and my wife 's reports ( XXXX XXXX XXXX ). Ocwen needs to remove adverse reporting on my credit on on my wife 's credit.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : account name : XXXX  XXXX XXXX account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Re : XXXXXXXX XXXX XXXX XXXXXXXX To Whom It May Concern : This letter is regarding US DIST CT XXXX, which is being reported to credit reporting agencies without verification. This is a formal notice that your reporting is disputed. If verified, please provide the Method of Verification. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) these items as reported. Please note that a report, a printout, or an employee looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt. 

It is unethical not to mention illegal for you to use my information to update erroneous information provided to you. Asking for additional information is a well-documented tactic of LexisNexis. The public record and my demographic info is what is needed as per other complaints to your company. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for this public record, is a violation of the Fair Debt Collection Practices Act ; therefore, if you can not validate the item/items, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this letter is a violation of the FCRA and will result in small claims legal action against your company at my local venue.

You will be required to appear in a court venue local to me, to formally defend yourself. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity and accuracy of the alleged bankruptcy and a dispute to the validity of your claims.

Please do not send me a letter with the contact information of the court they dont report to LexisNexis or any other agency. Since you are reporting this item it is your responsibility to validate all aspects of it. 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Mortgage

This is regarding complaint XXXX. The Lender still has not show proof of ownership. The lender is clearly stated as XXXX XXXX XXXX XXXXXXXX A New York Company . This company is not listed in the Division of banking or any New York Data base showing this company existed or has been registed as a lender. I am looking for the transfer papers from XXXX XXXX to another lender that many have purchased this loan. 
Proof not provided in response of complaint XXXX.
Product: Checking or savings account

Sofi money froze my account i have funds in the account and a XXXX XXXX XXXX with XXXX  XXXX i need my funds to buy her medication im about to all a lawyer and the news i just want the account closed and my money way too many problems
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ACCOUNTS TO BE REMOVED XXXX XXXX XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXX BALANCED {$1100.00} XXXX XXXX  BALANCED {$0.00} These accounts has resulted in several appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent accounts. I do not recognize the aforementioned accounts, as reported. The aforementioned accounts, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove the items which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove 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 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 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 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 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 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 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research items I found that requires you to remove with 100 % accuracy that each items are being removed. If you do not provide any records & claim the items are remove, please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Checking or savings account

On XX/XX/2019, I opened a checking account with Wells Fargo. As a condition of opening this account, I was eligible to receive a {$400.00} bonus if I received {$3000.00} in direct deposits for three consecutive months. On Friday, XX/XX/2019, I reached that objective, and called Wells Fargo on XX/XX/2019 to inquire about when I would receive the {$400.00} bonus. 

The customer service rep I spoke to said she did not know when I would receive the bonus. The following Tuesday, XX/XX/2019, I logged into my Wells Fargo checking account and learned the account had been closed by Wells Fargo. I called customer service and was told the account was " probably '' closed due to inactivity. This despite the fact that I paid bills with the account every week, including credit card payments, my mortgage, and utilities. Also, I had direct deposits going into the account weekly from my employers. 

I was told by the rep that Wells Fargo had processed those transactions as automatic transactions, even though they were not. I paid each creditor based on what I was able to pay that particular week. They were not automatic. I had to login online and pay. 

Wells Fargo has refused to pay the bonus. And the closing of this account has left me unable to access my direct deposit for a week. I now have to wait for a paper check to be mailed. I believe the account was closed simply because I achieved the goal to receive the {$400.00} bonus.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of XXXX XXXX XXXX XXXX Account Under FCRA To Whom It May Concern, I am writing to formally dispute the collection account reported on my Experian credit report by XXXX XXXX XXXX XXXX XXXXXXXX According to the XXXX XXXX XXXX XXXX ( XXXX ), this company is not licensed to collect debts in the state of California. As such, this accounts reporting is inaccurate and should be permanently removed from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ), Experian is required to follow reasonable procedures to ensure maximum possible accuracy in consumer reports. Reporting a collection account from an entity not authorized to operate in California constitutes a violation of this standard. Furthermore, under 15 USC 1681i ( a ) ( 1 ), I am entitled to dispute inaccurate information, and Experian is obligated to investigate and correct or delete unverifiable data. 

Actions Requested : Proof of Licensing : Provide verifiable proof that XXXX XXXX XXXX XXXX is licensed to collect debts in California. 

Remove the Inaccurate Entry : If such proof can not be provided, permanently delete this collection account from my credit report. 

Provide Written Confirmation : Send me written confirmation of the accounts removal and an updated copy of my credit report reflecting the correction. 

I request that you complete your investigation and provide a response within the 30-day timeframe required under the FCRA. Should you fail to address this matter appropriately, I will escalate my concerns by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the California Attorney Generals office. 

Thank you for your prompt attention to this matter. 

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

On XX/XX/2020, of this year, Experian was asked to remove delinquency off of my credit report because there is no back child support owed. I personally called Experian over the phone to file this dispute back in XXXX and upload the letterhead from child support from XXXX XXXX a child support worker to the Experian website and I thought this was all taken care of. But when I applied for a loan this derogatory language was still on my credit report stated the account was terminated for default meanwhile this child support account XXXX is still active with XXXX back child support. This is a violation of Fair credit reporting act because this delinquency was asked to be removed by the XXXX of New York child support enforcement agency. Experian did not follow the credit clear letterhead asking them to remove this delinquency back in XX/XX/2020. This is a negative item on my credit report that stops me from getting approved for a loan during a pandemic when having access to funds is desperately needed. Child support can garnish your taxes, wages, freeze your bank account, suspend your passport, license, and even have the power to put you in jail. I would hope to believe child support doesn't want a working father trying to pay their child support not to have a delinquency on their credit report for 7 years is the reason why they gave me hard evidence of a letterhead asking Experian to remove this from my credit report. Experian needs to follow the state of New York child support letterhead and remove delinquency for my credit report. If Experian does not remove this negative item this time I will file a lawsuit in the Supreme court for relief of my losses. My child support account should be XXXX balance with no delinquency. Using child support to destroy a person 's life for 7 years when they owe XXXX back support does not seem fair.
Product: Payday loan, title loan, or personal loan

I have provided Advance Financial the XXXX  XXXX Bankrupcy case filing notice showing that the loan account number XXXX is filed in XXXX XXXX Bankrupcy as of XXXX XXXX from the notice of XXXX  XXXX Bankruptcy notice attach with them listed on my XXXX  XXXX Bankruptcy draft petition inwhich i am providing to you all. 
And they have the account listed as and balance owe of {$330.00} dollars instand of it listed in XXXX  XXXX Bankruptcy case filing
Product: Credit reporting or other personal consumer reports

I got my credit report looking to establish credit to find I have a credit score of XXXX  loans grants mortgage auto loans credit cards and I've never had any of the above I've never had a bank account or did anything to establish credit
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, my name is XXXX XXXX. I am writing you guys because I seen some information of my credit report that is inaccurate, which is affecting my credit score. I sent in dispute letters to XXXX, XXXX & XXXX  about multipe inquiries that I have found on my credit report that I never authorized, which I believe was identity fraud & I have asked that if they are not able to verify and show proof that they must delete these items off my record as it affects my credit history. I have sent my letters Certified Mailed with USPS since XXXX XXXXst, 2021 to insure that I am able to track them and insure that the credit bureaus received them ( which they did ) & I will be providing proof of receipt with photo uploads. I would really appreciate it if you guys can reach out to them because I still have not seen any results as it has been more than 45 days. 

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

I HAVE DISPUTED THE ACCOUNT PAID ACCOUNT WITH PUBLIC SERVICE OF NORTH CAROLINA WITH EQUIFAX HOWEVER EQUIFAX HAS FAILED TO VALIDATE THE INFORMATION AFTER NUMEROUS ATTEMPTS OF REQUEST. 

XXXX IS REPORTING ON MY EQUIFAX CREDIT REPORT THAT THIS ACCOUNT WAS CHARGED OFF AS RESENT AS OF XX/XX/XXXX WHICH IS A COMPLETED LIE. THIS ACCOUNT WAS PAID IN FULL ON XX/XX/XXXX IN THE AMOUNT OF {$30.00}. THERE IS NO WAY THAT IT SHOULD BE REPORTING AS A CHARGE OFF IN XX/XX/XXXX OR ANYTIME BETWEEN XX/XX/XXXX TO XX/XX/XXXX. THIS IS UNFAIR TO ME AS A CONSUMER. I TOOK CARE OF THIS MINOR DEBT HOWEVER XXXX AND EQUIFAX ARE NOT FOLLOWING THE LAWS THAT GOVERN THEM BY REPORTING INACCURATE INFORMATION ON MY CREDIT REPORT. THIS IS NOT FAIR AND HAS CAUSED ADDITIONAL DAMAGE TO MY CREDIT MAKING MY CREDIT REPORT LOOK LESS THAN CREDITWORTHY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Equifax to get my credit score, and they transfered me to three different people to sell me credit score products. They want to sell me multiple credit scores from different models that may or may not be the score used by my potential lenders, and are purposefully vague to force me to buy as many of their products as possible. I hope my conversations were taped, because anyone listening would clearly see how Equifax is unfair to consumers who are trying to help themselves through difficult times, and are more interested in taking our money than helping. A potential lending told me my ability to get a loan is based on my credit score ( NOT MY CREDIT REPORT ), which I understand comes from the detail in my credit report. However, even though I have a copy of my credit report, I have zero understanding and ability to convert the report detail into a credit score ( s ) that can help me see the score ( s ) that potential lenders see. I am left unable to make good financial decisions. I am absolutely being held hostage. I am being forced to apply for a loan which negatively impacts my credit score, to then have the right to see my credit score that was used for my loan decision. THIS IS UNFAIR!!!!!
Product: Debt collection

Back in XX/XX/2021 I discovered this collection on my credit report, I never recevied any notification that National Credit Adjust was trying to collect on a debt. I sent National Credit adjust a debt validation letter. I asked that they provide me with certain items to show me why I owed National Credit Adjust and they only provided photo copies of credit card statements.