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

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and delete them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX 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 checked my Transunion credit report and noticed unfamiliar accounts on my file. I filed an FTC Identity Theft report foe my safety. ( Please see attached )
Product: Debt collection

I started receiving a voice message for something I am not related at all.
First voice message : Monday XXXX XXXX, 2017 at XXXX ( PST ) This is XXXX XXXX with the offices of Brandon and Clark my -- -- -concerning your other time senseitive legal matter that I am assuming you 'd prefer to address the -- -- - escalates but in order for you to accomplish at this point it 's imprerative that you contact me immeediately my phone # XXXX extension is XXXX.
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Second voice message : Wednesday XXXX XXXX, 2017 at XXXX ( PST )
Product: Credit reporting or other personal consumer reports

RE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX Two bankruptcies have been reported on all 3 credit bureaus for XXXX XXXX XXXX. THE Bankruptcies are not verified. 

US BANKRUPTCY COURT OF NEVADA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX CASE : XXXX XXXXXXXX -FILED XX/XX/XXXX CASE : XXXX DISMISSED XX/XX/XXXX XXXX BANKRUPTCY COURT OF NEVADA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXXXXXX XXXX XXXX -FILED XX/XX/XXXX CASE XXXX XXXX XX/XX/XXXX Per FCRA consumer laws, items MUST be verified from the original source, which in this case, is the BANKRUPTCY COURT OF NEVADA. THE BANKRUPTCY COURT CONFIRMED WITH ME PER PHONE ON XX/XX/XXXX THAT THEY DO NOT VERIFY PUBLIC RECORDS WITH CREDIT BUREAUS. 

I own and operate a legal services agency and have worked with the bankruptcy clerks at the Bankruptcy Court of Nevada for over 15 years and I myself am aware of their protocol and procedures in that they do not verify public records to credit bureaus.

FCRA consumer laws state that if information can not be verified that it must be removed.

In conjunction with my dispute, I have sent correspondence as follows : 1. A DISPUTE LETTER HAS BEEN SENT TO ALL 3 BUREAUS.

2. A REQUEST FOR CONFIRMATION OF THE BANKRUPTCY COURT 'S VERIFICATION PROTOCOL AND PROCEDURES HAS BEEN SENT.

3. A VERIFICATION LETTER HAS BEEN SENT TO ALL 3 BUREAUS PROVIDING WHEN, WHO AND HOW ITEMS WERE VERIFIED IF THEY INTEND TO CONCLUDE THAT THEY WERE VERIFIED.

4. A METRO 2 COMPLIANCE LETTER HAS BEEN SENT TO XXXX XXXX. A XXXX COMPLAINT HAS BEEN FILED.
Product: Credit reporting or other personal consumer reports

I disputed a late payment ( s ) that was reported by 3 collections agencies that was sold to the following companies without my written permission. According to FCRA 605b section 1681 these companies do not have the right to do this. This is on my credit report by XXXX these collections are LVNV Funding LLC stating the account was paid off with a XXXX balance, by XXXX XXXX XXXX  but written to LVNV Funding LLC that I owe {$740.00}, XXXX XXXX XXXX, my information was sold by XXXX XXXX in the amount of {$470.00}, and XXXX XXXX XXXX sold to them by XXXX in the amount {$570.00}. This account is also in error. 

I would also like to request my bankruptcy removed, due to XXXX not furnish this information.
Product: Debt collection

On XX/XX/21 I sent a letter to commonwealth financial about a medical collection I truly have no knowledge of. ( The letter I submitted is attached ) so commonwealth responded by mail on XX/XX/21 that honored one portion of my letter which was a itemized break down of the bill. However, with regards to hippa authorization nothing was provided. Im requesting deletion of account
Product: Credit reporting or other personal consumer reports

I recieved a bill from TH Prof Medical Collection- I contacted them to let them know the amount was already paid to XXXX XXXX XXXX XXXX. This was in XX/XX/2023 On XX/XX/2023 they reported to Credit agency I owe this amount. I do not owe them anything and account should never have been reported on my credit file PROOF OF PAYMENT IS ATTACHED
Product: Checking or savings account

On XX/XX/XXXX I noticed fraudulent transaction on my US Bank account. I immediately called US Bank and had the account frozen and a new account created. I spoke to fraud liaison at US Bank and submitted claim forms. I visited the local US Bank and obtained bank statements from XXXX onwards. I noticed that the fraudulent transactions/withdrawals from my account first started on XX/XX/XXXX up until XX/XX/XXXX. I noticed that on the bank statements all the fraudulent transactions were labeled " XXXX card online ''. The total of the fraudulent transactions amounted to {$230000.00}. On XX/XX/XXXX US Bank responded with a letter agreeing with the unauthorized transactions, but stating that since I did not alert them when the fraudulent transaction started, they were not responsible for any of the unauthorized withdrawal, including the ones within 60 days of my calling them and alerting them to the fraudulent transactions. I have created a police report ( XXXX, Wisconsin, XXXX XXXX ) on XX/XX/XXXX. 
I also wish to confirm that all of these withdrawals were unauthorized by me or my spouse and not the result of us falling for any phone scams or phishing. I also had my personal computers, scanned for malware and did not find any. 
Fraudulent transactions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account name XXXX XXXX Account # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX You are in Direct Violation of The Fair Credit Reporting Act ( XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX & XXXX, XXXX XXXX XXXX & XXXX, XXXX XXXX XXXX XXXX XXXX XXXX has violated several of my rights.

15 U.S.C 1681 section 602 A. Clearly states that 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 instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-and consumer credit plan as late for any purpose. 

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Debt collection

Account Name : WF CRD SVC Account Number : XXXX Date Opened : XX/XX/2015 Balance : {$610.00} Reason : Identity theft Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the last XXXX months, I have attempted to resolve the innaccurate information that's showing on my credit report profile with this bureau. I have not received any relevant information regarding why these items are still on my credit report. 

I have sent letters, called and there's been absolutely no response and these items are still not removed off of my credit report.
Product: Mortgage

mortgage company ( Seterus ) will not stop calling me even though have given them a date when I will pay They use robo calls and called me 7 times yesterdayI
Product: Checking or savings account

Good day, I am a former XXXX by XXXX XXXX under the XXXX  XXXX As a result of XXXX selling all their XXXX stores earlier in the year, many XXXXXXXX were terminatedXXXX Due to these circumstances, the company gave me a severance package. This allowed me to be comfortable for the foreseeable future. They also approved my unemployment which I decided to put all my funds into my XXXX  money account and saved it since I didn't need to use those funds and I was trying to keep that for a rainy day. Earlier in the year I lost my phone ( somebody took it ) I reported it to my insurance company. Unfortunately I had all my cards on XXXX XXXX with all my sensitive information under then notes app. A couple of days ago I noticed this and reported it to the bank but they have yet to return my funds. Its not right that theres no fraud department that can see these transactions happening and flag them before leaving somebody without any savings. They are one of the worst companies when it comes to these situations according to myself and the general review of the company. These are federal funds from my unemployment and theyre not making themselves responsible for this. Somebody please help?
Product: Checking or savings account

I use Bill Pay through my bank to pay my mortgage, generally my account is debited the first of each month. On XX/XX/XXXX, my mortgage company called to say they never received my XXXX mortgage payment. 

I sent a copy of the electronic check, front and back to my mortgage co., they sent me a letter stating they did not endorse this check. 

I contacted my bank SEVERAL times, via emails, and phone calls, they stated the money had been withdrawn and processed and there was nothing they could do.
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 volunerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under 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 reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX : Account Number:XXXX  Account Name : XXXX 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  Account Name : XXXX  : Account Number:XXXX Account Name : XXXX XXXX XXXX XXXX  : Account Number:XXXX  Account Name : XXXX  : Account Number:XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several requests online and in writing- some even certified mail to all three major bureaus to please stop reporting erroneous items on my credit report. These errors include : - reports displaying incorrect versions of my name- please stop reporting addresses where I have never resided. I have provided copies of my government issued I.D . in attachment to the request with no success. 
- XX/XX/2022 I requested debt collectors reporting a balance to provide evidence in writing. ( by law they have to remove the account if they can not provide proof- and it has not been provided yet the account ( s ) still report negatively. ) XXXX I requested validation from another debt collector, and it is now XX/XX/2022 and it has not been validated. However, the account remains and reports negatively against - aiding me in getting declined for housing. 
XXXX I requested a credit card company to validate a debt. They have not and are also still reporting said debt. 

All of these items are having substantial derogatory impact on my credit score yet no one will act according to the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$5100.00} XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX 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 4 business days after the date of receipt.
Product: Mortgage

Like many individuals and families in the country, I have been struggling to make on time mortgage payments. This has been even more challenging during the COVID-19 pandemic.

My mortgage lender, mr. cooper, is offering a Pandemic Forbearance Plan with a key benefit being no late fees or penalties will be applied. 
I have requested of mr. cooper that I be allowed to enter the Plan retroactively for prior months in 2020 to have late fees and penalties removed for the months that I struggled to make the mortgage payments on time but made them nonetheless. 
I was advised by mr. cooper representatives that this is not allowed and they offered no other assistance. 
I am not aware that my request, albeit outside of the standard applicant request, is not allowed as mr. cooper has advised.

Is this denial of my request and their refusal to provide relief of any sort in compliance with the CARES Act?

The mr. cooper representative, in a final statement of insult, suggested that I should have known about the plan sooner.
Product: Credit card

Hello, I was charged for checked bags despite using my XXXX credit card, which should have waived the fee. I contacted customer service, who instructed me to request a refund. However, my refund request has now been denied. As this contradicts the advertised benefits of the card. I paid over {$2000.00} for the original purchase of my tickets with their credit card.
Product: Credit card or prepaid card

Capital One is showing as my account as past due in previous months and that needs to be updated to no late payments. I wasn't aware of the balance during an issue with my card and XXXX  reporting it as fraud. It took months to get that rectified. I never got a bill, nor could I login into my account online to look at it.
Product: Credit card or prepaid card

Good morning, I applied different cc disputes against the same merchant for the same reason. All the disputes i have applied were closed by citi in my favor with 100 % refund except one. The one testi d still pending, Citi claimed at first that I have been refunded by the merchant which was not the case. Then citi stated that I did not submit the documentation which is also not the case. Now they are claiming that the date is past to make the claim. When I call I am passed from person to person and each one has a different reason for why the dispute has not been settle. Citi seems unwilling to resolve the final dispute and keeps putting me off after repeatedly attempts to have this resolved. It has been since XX/XX/2020 that I have been trying to explain and provide detailed information and proves about this dispute to citi
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 - ZIONS is harassing me and using abusive and profane language when contacting my phone. I told them to put me on the do not call list and they asked for my social security number. When I told them I won't be giving that they told me they couldn't help me. When contacting them back to stop contacting and put me on do not call list, I was told they do not make phone calls which is a lie and very unacceptable practices. I am sure this is a violation of the FDCPA. 

It is the CFPB 's job to protect the consumer and ENFORCE the LAW. Please forward to general counsel. 

XXXX XXXX XXXX XXXX
Product: Mortgage

At the end of XXXX 2015 I applied for a mortgage with Bank of America ( BofA ) to buy a house in XXXX, VA. I provided the Loan Officer with any information requested and I told him that I live and work XXXX ( XXXX ) because I 'm a XXXX. On XXXX XXXX BofA charged me {$450.00} for the property appraisal which was done on XXXX XXXX. On XXXX XXXX the Loan Officer informed me that my application was rejected " because you are XXXX and buying a property here ''. Considering that the basis for denying my application ( XXXX ) was known to BofA since the beginning of my mortgage application, BofA should have denied my application right away and for sure they should n't have ordered ( and charged me ) the appraisal cost.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit file show a credit card for first premier that I am Aware of or have
Product: Mortgage

My Mortgage loan with U.S. Bank currently has an escrow account with a XXXX cushion on it. I am aware that " [ T ] he RESPA statute and regulations do not require the lender to maintain a cushion. However, since XX/XX/XXXX the RESPA statute has allowed lenders to maintain a cushion equal to one-sixth of the total amount of items paid out of the account, or approximately two months of escrow payments. If state law or mortgage documents allow for a lesser amount, the lesser amount prevails. '' From what I have found through research, Oklahoma does not have any State RESPA laws in place in regards to having a mandatory 2 month cushion on escrow accounts. However, when I spoke with U.S. Bank in regards to removing my 2 month cushion, I was told by XXXX different representatives, on XX/XX/XXXX, that they are unable to remove my XXXX cushion due to the fact that I live in the state of Oklahoma. XXXX representative stated that it was due to the state law, and the next representative ( her supervisor ) stated that it was U.S. Bank 's internal policy that for mortgages in which properties reside in the state of Oklahoma require a 2 month ( XXXX ) cushion, and they will not remove this. She stated that it was not for all states, but they will not remove this on my account due to the fact that I live in the state of Oklahoma. I asked multiple times to speak to U.S. Bank 's Escrow Department, so that I could speak directly to someone that specializes with escrow, because I knew that there was not a state law requiring a 2 month cushion to be maintained on my escrow account, and I was told that I could not speak directly to their Escrow Department. I was also offered, that if I was unsatisfied with having to maintain a XXXX cushion, that I could always just cancel my escrow account and pay for my insurance and taxes on my own. I let the lady that I spoke know that she could not offer this to me, that I have a VA loan, and that she should not be offering me to cancel my escrow account, due to the fact that I have a government backed loan.
Product: Mortgage

Nationstar has been out of compliance and committing unlawful acts on my mortgage loan. Nationstar is not the original company and is flawed in reporting accurately and they are over charging me. I have asked for copies of my original loan and they are not able to produce my documents nor signature documents. I am XXXX years old and on a fix income and this is a violation of my consumer rights. I have documents and proof of the flawed acts of Nationstar. I notice there is a lawsuit against this company. Can you please consider my complaint and assist me in relieving me from this predatory debt and unlawful act.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you of inaccurate and incomplete bankruptcy information reported on my credit file, which I have previously disputed without satisfactory resolution. This communication serves as a formal request to immediately correct or remove the erroneous entry from my records, failing which I will be compelled to initiate legal proceedings.

Upon reviewing my credit report, I noticed that Lexis Nexis is still reporting a bankruptcy to XXXX and XXXX against my previous written instruction to remove due to the reporting of such information violates my privacy.

Please be advised that your actions are in violation of the Fair Credit Reporting Act, specifically under the following provisions : 15 USC 1681b ( a ) ( 2 ) concerning permissible purposes of consumer reports.

15 USC 1681e ( b ) which mandates that consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 USC 1681s-2, which outlines the responsibilities of furnishers of information to consumer reporting agencies, including correcting and updating inaccurate information.

The continued presence of this inaccurate and incomplete reporting is not only misleading but also infringes on my right to privacy and fairness as guaranteed by the FCRA. Such reporting has caused, and continues to cause, significant harm to my creditworthiness and ability to seek credit. 

Lexis Nexis has passed the buck stating XXXX  supplied the information. However, Lexis nexis is the direct reporter of the information and they have no right. I do not have any more energy to spend on disputing and am equipped to move forward with suing them to invoke my rights as a consumer,.

I hereby demand that the aforementioned entry be reviewed and corrected or removed within 15 days from the receipt of this letter. Should you fail to comply with this request and thus further demonstrate negligence in adhering to the FCRA standards, I will have no option but to seek legal recourse for damages as per the provisions of the FCRA.

Please treat this matter with the urgency it requires. I anticipate your prompt compliance and look forward to settling this matter amicably. If I do not receive a satisfactory response by [ date 15 days from sending the letter ], I will initiate legal proceedings without further notice.