23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

To Whom It XXXX Concern : I am writing to formally complain about my mortgage lender 's failure to pay my property tax bills for the XXXX tax year. In XX/XX/XXXX, I received a notice of lien from my taxing authority for unpaid taxes on my property. 

Upon reviewing my payment history, my lender 's records show payments being made to my taxing authority ; however, my taxing authority has no record of these funds. 

Since then, I have contacted my lender multiple times to resolve this issue on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. During each call, I was informed that my case was being escalated and that the tax department was working to communicate with my taxing authority. I requested updates and call-backs, but no one ever contacted me. 

Before my call to the lender on XX/XX/XXXX, I confirmed with my taxing authority that the lender had never attempted to contact them. During my call on XX/XX/XXXX, I included my taxing authority on the call to facilitate communication. My taxing authority requested a history of payments made in an email following this call, but they never received a response. 

As of XX/XX/XXXX, a lien has been officially placed on my home due to unpaid taxes. The lender has yet to review the appropriate documents, take steps to rectify their tax error, or submit payment. The lender is unable or unwilling to provide payment details regarding the multiple tax payments that were withdrawn from my escrow account but not paid to my taxing authority. I am still awaiting resolution. 

This situation is causing significant distress and potential financial harm. I request immediate action to resolve this matter. Please provide a detailed explanation of the steps being taken to correct this error and ensure that my tax payments are properly processed. 

Thank you for your prompt attention to this matter.
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 F
und 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, credit repair services, or other personal consumer reports

I am writing to dispute an accounts fraudulently opened in my name. I am a victim of identity theft and did not open this account .I also am a victim of the equifax and XXXX  data breach. State issued ID have been compromised and my social security has been compromised. 
I am not responsible for any charges made to these mentioned account.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the FCRA the following companies XXXX XXXX XXXX account XXXX NCB Management Services account XXXX XXXX XXXX XXXX account XXXX, & account XXXX have violated rights 15 U.S.C 1681 section ( A ) ( 4 ) I have the right to privacy 15 U.S.C 1681 section ( B ) ( a ) ( 2 ) nothing can be furnished to my consumer report without my written consent 15 U.S.C 1681 section ( A ) ( 3 ) ( a ) ( b ) ( c ) any medical bills or information should not be on my consumer report.
Product: Credit card or prepaid card

I made a payment late due to confusion with the due date as well as personal circumstances. When I made the payment, I asked for the fees ( late fee, interest charge ) to be removed as a courtesy and this request was approved. However, when I checked my statement, I only saw the late fee refunded and {$1.00} of the full interest charge refunded. When I called again, the representative said there was nothing else that could be done for me, even though this prior understanding was reached.
Product: Credit reporting or other personal consumer reports

EXPERIAN IS ILLEGALLY REPORTING DEBT WITH NO PROOF OF DEBT VERIFICATION WITH ORIGINAL CONTRACT WITH MY WET INK SIGNATURE EXPERIAN XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2023 ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please provide verification of the debt, including the original creditor 's name and address, the amount owed, wet ink signature, My fingerprints, Original contract. 
Please furnish evidence and proof not statements on how you verified the debt. Statements are hearsay in the court of law. Please do not send any statements. I will question the authenticity of any statements sent. I demand removal for failure to produce the original contract. 
IF YOUR COMPANY ATTEMPTS TO CONTINUE REPORTING THE ALLEGED DEBT, A FORMAL COMPLAINT WILL BE FILED WITH THE FEDERAL TRADE COMMISSION. 
Please move forward with the above request. Failure to complete request I will sue for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose ( 15 usc 1681 ) In closing, please acknowledge receipt of this letter and confirm that you have ceased all collection and reporting activities on this debt. Failure to comply with this request will result in further legal action. 


Sincerely, XXXX XXXX
Product: Credit card or prepaid card

USAA who I have been with since 2016 reduced my limit from XXXX to XXXX. After I paid off the remaining balance. After an extensive conversation they said it was due to late payments which is impossible since payments were direct drafted. Essentially after further discussion it was because I had paid the card off. Thus reducing my available credit by XXXX. This will drastically affect my purchasing power thus lowering my credit limit harshly.
Product: Credit reporting, credit repair services, or other personal consumer reports

SYNCB/SAMS CLUB XXXX*****XXXX  Date Opened XX/XX/18 Balance {$220.00} I am just concerned about the legality and reliability of your present analysis together with the delayed payments pertaining to this account and exactly how it is reporting on my credit report. Around 45 days ago I called for an examination since I felt the item seriously isn't being stated most recently. To my surprise, I have been given a notice stating that your evaluation was completed and that the item had been " established as legitimate. Below Section 1681 ( g ) I highly recommend you produce me with a detailed description of the method used to examine that this particular account is " reliable '' and forward me the name and addresses of persons phoned per laws perfectly located at the FCRA.
Product: Credit reporting

Transunion reports a hard credit inquiry from XXXX on XXXX/XXXX/2015 I have never - ever - never- ever applied for credit from XXXX in my lifetime I am a XXXX customer and have been for 20 years, and I want this supposed inquiry deleted from my credit reporting. It is fraudulent, it never happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to a recent phone call with the collections department of XXXX XXXX XXXX XXXX, my last payment made to them for my previous revolving credit account ending in XXXX was in XXXX of XXXX. XXXX claims that my balance on said account at that time was {$26000.00}. They locked that account for identity fraud in XXXX as someone I don't know called on my behalf. The balance then was less than the limit which was {$23000.00}. They did not allow me to make payments, which were made faithfully since the account was opened, via my online account as it was frozen also. Their claim was I needed to come to the nearest branch in person with two forms of ID to make cash deposits for the payments from that point forward. The nearest branch to me was in XXXX, OH over 3 hours away. They would also no longer provide me with account statements as they were paperless and I could no longer access my account online. I feel that was against the law and I reached out to them about this and was met with no solution or even acknowledgement. I wrote to them as they would no longer communicate with me by phone at that time. I continued to make payments into XXXX but stopped as they refused to give me any kind of account statement or balance. 

My complaint ( s ) are as follows : The refusal to give me an account statement as well as why is the account being continually charged off from XXXX of XXXX until XXXX of XXXX. According to my Experian credit report ( attached ) XXXX has reported the account as 120 days late in XXXX of XXXX and charged off in XXXX of XXXX which conflicts with what they told me on the phone.
Product: Credit reporting, credit repair services, 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 investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance : {$180.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$8800.00} XXXX XXXX XXXX XXXX : {$4900.00} XXXX XXXX XXXX Balance XXXX {$4300.00} XXXX XXXX XXXX Balance : {$6500.00} XXXX XXXX XXXX Balance : {$6800.00} XXXX XXXX XXXX Balance : {$6200.00} XXXX XXXX XXXX Balance : {$8500.00} XXXX XXXX XXXX Balance : {$6200.00} XXXX XXXX XXXX : {$150.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$200.00} XXXX XXXXXXXX XXXX XXXX : {$380.00} XXXX XXXX Balance XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint number : XXXX, submitted letter on XX/XX/2017 regarding XXXX for the amount of {$1000.00}. The alleged bill is past the Statue of Limitations Civil Code : 337
Product: Checking or savings account

Individuals began following my bills and payments in XXXX mail. 
They opened online banking. 
Individuals continue to call checks to be held by company and then cashed. This practice started XXXX. It has not stopped. 

I have alerted the Bank. 
I have had XXXX bills stolen and packages from my front door. I have alerted the local Police department. I have alerted the Sheriff 's department. 

I have complained to XXXX. 
I have opened 2 XXXX XXXX in area. 

Individuals continue to steal and XXXX. 

It has prevented me from gainful employment. 

I believe I am a victim of slander. 

I accuse employee at Wells Fargo XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX. I am a senior citizen. I do n't recall ever applying for any credit accounts. I recently pulled my credit and noticed several errors on my credit profile. I have not authorized anyone to apply for any new credit for more than 20 years. I 've contacted the following three bureau ( XXXX, Experian, XXXX ) to inform them that I have several errors on my credit report. I 've contacted all three bureau 90 days ago to resolve this matter but it seem that this matter is n't important. I 've mailed off certified letters, police report and more. My lawyer will be sending you a letter concerning a civil lawsuit. 1. XXXX 2. Experian 3. XXXX 4. XXXX 5. XXXX XXXX 6. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDIT REPORT INQUIRY REMOVAL I have written this letter to dispute a Credit Inquiry that is falsely listed on my credit reports. 

Company Inquiry Reported To : XXXXXXXX XXXX XXXX Date of Inquiry : XX/XX/2023 I am disputing this claim due to : I have no knowledge of this account. It is fraudulent and I am requesting that it be removed. I have already submitted a request for removal to the company directly more than 30 days ago, and the Inquiry is still being reported on all three of my current Bureau Credit Reports. 

This is my official request to have the aforementioned item to be deleted off my consumer report.
Product: Checking or savings account

This week, I tried to access funds in my account as a result of stock sales. The app advised that I needed to refer to my physical debit card and that the action had been blocked. I never received a physical debit card. Since I couldn't access the account, I tried to add the account information to a digital wallet, but the app blocked that action, too. I've just finished chatting with someone from Robinhood 's customer service and was advised that account actions have been shut down. According to the chat, the " system detected a newly logged-in device in your account, which triggered a proactive risk check that temporarily blocks access to some of the Spending account features, including the virtual card information. '' Furthermore, " these features are not immediately available to you, as we take your account security very seriously. They will become available to you after your account security features recognize this new device and integrate it for permissible use. '' Let me give a disclaimer here and say that I appreciate Robinhood having " the security of my account '' in the forefront of their technological advancements. What I don't appreciate is having to jump through security hoops to log into my new device in the first place only to be told that the system still locked down my account. According to the specialist, there is no way to bypass this block and she has no timeframe on when the app will recognize the new device. I also want to point out that I've had the phone for about a week now, and the Robinhood app has been telling me " Try Again Tomorrow '' for certain actions since Monday. I can't use my debit card because I can't access the information. I can't transfer the money out because it tells me to Try Again Tomorrow. I can't update external account information because of the same error. I'm essentially blocked from using my account, and all Robinhood had to offer was an " I'm sorry, I know this is frustrating, but we value your security. '' There's a strong difference between security and just plain locking the account down from any and everyone, owner included. I've completed verification to prove it's me logging in. The app even let me sell stock! But now that I NEED to access the funds, it won't let me. 
Please help me get the funds out of Robinhood and into my external account. I'd also like to close my account as a result of this ordeal.
Product: Mortgage

Notice of Sale Postponement was received date XXXX from foreclosure attorney XXXX XXXX XXXX XXXX XXXX, XXXX PHH mortgage sent the Trial 3 payment modification plan with our 1st payment starting XXXX. We have made the trial payments and recently received property foreclosure letter. We have done what PHH required of us to keep our home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously filed a CFPB regarding XXXX XXXX and it was resolved to my satisfaction. However, Equifax ; XXXX and XXXX are not removing this negative item and it is harming my credit score. ( Please see pages 17 and 18 of the attached credit report. ) Therefore, I am filing a new complaint against Equifax ; XXXX and XXXX because I have tried to fix this issue with them, but they are still reporting the late payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting a bankruptcy on my credit report an they have put in the data furnisher as being the us bankruptcy court of Georgia, which is false I have attach a letter from the us bankruptcy court of Georgia verifying and stating that they do not furnisher information over to the credit bureau or any credit monitoring service nor do they verify or validate any information concerning bankruptcy. Transunion is falsely stating this information and refusing to remove this false information from my credit report.
Product: Debt collection

They continuously call even on the days they are not supposed to.. They call before and after they are supposed to.
Product: Debt collection

After thinking this issue was solved because Synchrony Bank sent me a letter stating that after their investigation they will remove the account off of all three consumer reports on XXXX XXXX. The account came off TransUnion but another one popped up on all three bureau with a different account number. After talking to the credit bureaus I was told that say that Synchrony Bank stated that they had been reporting wrong information such as account number, date opened and past due payments and now they are sure that is my account. I have asked for supporting documents to validate this change because I am certain this is false information also and neither Credit Bureau has answered me or produce any supporting documents. I would like to know how all of a sudden all the information about account was able to change just be accepted after disputing this multiply time and it keep coming back validated. This account started reporting back in XXXX and I have not received anything in the mail from the credit Bureau or Synchrony stated that this would even be placed on my consumer report.
Product: Student loan

My loans was with XXXX XXXX now there with navient and from what it look like they are over charging me for these loans they keep adding way to much money on my account I really do n't owe that much
Product: Checking or savings account

During when I used Wells Fargo, for my business and personal, they have charged me extra processing fee and have made withdrawals from my accounts with different amounts without my prior intimation or any documentation. I have lost 100 's of thousands of dollars.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer SSN : XXXX, Consumer DOB : XXXX, Contents of Complaint : This CFPB complaint has been filled to request pursuant to FCRA sec 605B ( 15 U.S.C. sec 1681c-2 ) that you, the TRANSUNION credit reporting agency , block information appearing on my consumer credit credit report which is the result of identity theft and fraud within 4 business days of you receiving this complaint. The fraudulent reporting of non public information consist of two loans : XXXX  acct # : XXXX and XXXX acct # : XXXX where these fraudulent account reporting is in violation of my rights under FCRA 15 USC 6802 . Consumer never gave consent for non-affiliated third party ( TRANSUNION ) to report consumer 's non public information. Thus, for this non public information to be appearing on consumer credit report must be the result of Identity Theft which is why consumer filed FTC Identity Theft Criminal Complaint # XXXX ( FTC ID Report attached ) as proof from US Federal Trade Commission that all of the aforementioned consumer credit accounts.
Product: Debt collection

Making threats to have my license suspended and refused to verify the debt was paid. I was contacted by a XXXX XXXX from national commercial services phone number XXXX ext XXXX XXXX insulted me several times told me I heard voices in my head called my a liar several times.
Product: Mortgage

The title company tried to charge me {$150.00} for a quit claim deed that was not needed. I called them and they send me a new closing disclosure with the quit claim deed removed and the corrected amount I was supposed to receive after closing. The amount of the check I did receive after my refi was the amount originally on my closing disclosure that was incorrect XXXX {$1500.00} ), not the amount after the quit claim deed was removed ( XXXX ).
Product: Credit reporting or other personal consumer reports

I received a letter from Equifax on XX/XX/year> dated XX/XX/year> informing me that Equifax had received my request for my free annual credit report. The letter states " We were unable to locate a credit file in our database with the identification information you provided. '' My CFPB complaint XXXX states that I requested the report over the phone multiple times and at the annual credit report website with all of my proper identifying information. XXXX and XXXX compiled with my online requests and disclosed by free annual credit report for 2024. Equifax continues to refuse to provide me with my free annual credit report unless I provide Equifax with the following : " DOCUMENTATION. PLEASE SUBMIT A COPY OF YOUR SOCIAL SECURITY CARD, PAY STUB. W2 FORM OR 1099 FORM AS PROOF OF SOCIAL SECURITY NUMBER. ALSO, PLEASE SUBMIT A COPY OF YOUR DRIVER 'S LICENSE, STATE-ISSUED IDENTIFICATION CARD, UTILITY BILL, CELL PHONE BILL, PAY STUB, W2 FORM, 1099 FORM, RENTAL OR LEASE AGREEMENT/HOUSE DEED, MORTGAGE STATEMENT OR BANK STATE ENT WITH THE CORRECT ADDRESS AS PROOF OF YOUR CURRENT ADDRESS. '' It is clear to me that Equifax is refusing to comply with Federal Law related to my free annual credit report request in 2024. Equifax has done this to me before. Equifax has a history of information breach and refusals to provide me with my free annual credit reports. I have followed all of the requirements for submissions of my free annual credit reports and Equifax continues to refuse my requests.
Product: Credit card or prepaid card

This is a copy of a complaint entered at the Alabama AG site consumer protection site online XX/XX/XXXX, regarding thismatter : My wife and I recently received correspondence from Money Network Financial that included a VISA card embossed with our names. The accompanying literature stated in enlarged letters : " Here is your Economic Impact Payment Card enabled by Money Network. '' It takes reading the fine print and looking past the misinformation to understand that this mailing is actually an offer to open a credit account with Money Network. The enclosed printed literature even says, " This prepaid debit card is being sent to you on behalf of the U.S. Department of the Treasury in place of a paper check. This Card contains the money you are receiving as a result of the Coronavirus Aid, Relief and Economic Security Act ( CARES Act ). Copies of mail literature forwarded by email to the Alabama AG ConsumerInterest email address. 


XXXX and XXXX XXXX XXXX, AL XXXX XXXX XXXX
Product: Checking or savings account

Upon opening a personal and business checking. Huntington froze my personal checking account. I am a traveling XXXX and travel all over the US in the fight against COVID so am rarely home or near the branch. 
I found out my personal account was " frozen '' when my direct deposit was returned. It has now been almost 4 months since I was told repeatedly that the account would be closed and I would receive a refund check for my funds in the account. However I still can not get them to send a check, and they are instead placing low account balance service fees on the account. 

I told them I want the business checking closed as well - even though there is no issue with it - due to this incompetence and instead I get a sorry we can not close it via the phone or any other method than the branch. I find this unacceptable also since I am on the west coast on a travel assignment for a XXXX 

I want the fee 's refunded on the personal checking, and {$1000.00} approximately returned in that account. 
I also want my personal consulting business checking under my name closed as well ( it has a 0 balance ). 

I am ready to contact legal counsel.