23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/XXXX, I received over XXXX dollars into my capital one bank account and I filed a police report at the XXXX precinct in the XXXX on XX/XX/XXXX, for XXXX larceny report number XXXX my previous XXXX had been jailbroken, and my identity compromised. In XX/XX/XXXX I noticed fraud on my account on my Capital One 360 online bank statement and in XX/XX/XXXX I called to dispute some charges as I had not identified all of the charges that were fraudulent in XX/XX/XXXX. I called back on XX/XX/XXXX, spoke with the Customer protection department and notified them that I have fraud charges on my account. I spoke with a young man who took some of the charges and then a lady from the same department advised me that I needed to replace my cell phone because XXXX advised me that my phone had been compromised. So she stated that when I get a new phone to contact the bank because they were going to restrict online access and I would have to go to the closest branch to the bank. On XX/XX/XXXX I withdrew money from my account at the branch and was given a yellow sticky by the bank teller to call the number listed on the paper. I called Capital one 360 and they notified me that after reviewing the account that once the fraud charges are investigated my account would be closed because of suspicious activity and that the bank had the right to close my account for any reason. I have been a capital one customer for 6 years and when I called in XX/XX/XXXX the bank made no mention of closing my account until I called about fraud on my account. I am a XXXX veteran and I am XXXX I need my account to stay active until I receive my XXXX check on XX/XX/XXXX, because it will take Social Security time to change my direct deposit. I am still gathering as much proof as possible regarding the fraudulent charges because the Capital one Customer protection department ( XXXX ) XXXX gave me an email address to send additional documents and that she could not promise anything but they would review documents regarding them closing my account.
Product: Credit reporting or other personal consumer reports

I have encountered an issue with TransUnion regarding their failure to remove inaccurate account information from my credit report, despite clear evidence provided that supports my dispute. XXXX and XXXX have already acknowledged the inaccuracies and have accordingly removed the disputed accounts from their reports. However, TransUnion has not taken similar corrective action, which I believe violates my rights under the Fair Credit Reporting Act ( FCRA ).

Specifically, under 15 U.S.C. 1681i ( a ), credit bureaus are required to conduct a reasonable investigation of disputed information within 30 days and remove or correct any inaccuracies. Despite submitting proof of the inaccuracies, TransUnion has failed to remove these disputed accounts, which raises concerns of non-compliance with this provision of the FCRA.

Moreover, the continued reporting of incorrect information by TransUnion contravenes 15 U.S.C. 1681e ( b ), which mandates credit reporting agencies to ensure maximum possible accuracy in their reports. This persistent inaccuracy in my credit report is causing me undue financial harm and could unjustly affect my credit score and borrowing capabilities.

The lack of action from TransUnion seems to constitute a willful neglect of their obligations under the FCRA, potentially subjecting them to legal liabilities as outlined in 15 U.S.C. 1681n ( willful noncompliance ) and 15 U.S.C. 1681o ( negligent noncompliance ). Given the evidence I have provided and the corrective actions taken by XXXX and XXXX, I expected TransUnion to comply with these legal standards and correct my credit report. 

I am seeking the intervention of the CFPB to ensure that TransUnion adheres to the FCRA 's requirements by conducting a proper investigation into my dispute and by removing the inaccuracies from my credit report immediately. The failure to correct this information not only violates federal law but also continues to unjustly impact my financial well-being.
Product: Debt collection

Hello. I am reaching out to file a formal complaint about XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. XXXX and XXXX are inaccurately reporting XXXX collections accounts that have been disputed and removed from my XXXX credit report. I have reached out to XXXX and XXXX multiple times and they are refusing to remove these inaccurate collection accounts. They were previously removed during the dispute process and have since been added back again to my credit report. This has already impacted my ability to apply for a new place of residence, and furthermore, may now affect my ability to enlist in the United States military. I ask that these inaccurate accounts be removed from my credit report immediately and permanently, as they should have already been removed over a year ago. 
XXXX XXXX XXXX  is the original creditor and illegally sold my information to a third party debt collection agency, Resurgent Receivable. 
{$1200.00} Collections Account being reported {$2500.00} Collections Account being reported
Product: Debt collection

They have NOT responded with PROOF that the debt is mine. I mailed a validation letter to Edward Sloan and Associates on XXXX. To this day I have received NO Response. They are now in VIOLATION of the FDCPA. Due to their inability to validate the debt they MUST CEASE ALL collections AND stop reporting to ALL credit reporting agencies.
Product: Debt collection

the company, " XXXX XXXX '' first contacted me saying that my mortgage loan was transferred to them and that they were a 'loan servicing ' company. I even had occasion to speak to one of their supervisors (? ) early on and she never disclosed that they were a collection agency. They never would ( or could ) tell me why the loan was transferred. [ i had known from the outset that there never was a loan. ] several weeks later I get correspondence from XXXX XXXX, with the verbiage, XXXX XXXX is a debt collection agency. 
I have repeatedly requested they stop contacting and harassing me, but yet they continue with mailing and robotic calls nearly daily. 
I want the CFPB to point me to properly file not a complaint but a claim against XXXX XXXX the XXXX of the monster.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ) 15 U.S.C 1681i, which mandates a responsible a responsible investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ) 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ) as highlighted in the CFPBs recent administrative proceedings ( File No.2025 CFPB 0002 ) against them for similar violations. I request at the CFPB take action to ensure Equifax complies with the federal law and provides consumers with the necessary proof of investigation. XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I do have a loan with them. But when I log into the website it doesn't even show me any loan documents or anything. This loan should be considered illegal
Product: Credit reporting or other personal consumer reports

Under the fair credit report act section 611 ( 15 usc 1681 ) unverified inquires must be remove please investigate and remove any inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested my annual consumer report from trans union through the annual credit report agency. Trans union received my request but has refused to send me my report. All requested information was sent by certified mail which they received. They claim they cant honest my request because they think it wasnt me. I sent a copy of my drivers license and a utility bill. The information they responded is attached. Transunion is refusing to send my consumer report.
Product: Credit card or prepaid card

In XX/XX/2022, I dispute a transaction through Capital One on the ground of dissatisfactory service from the merchant. Capital one issued a temporary credit. However, on XX/XX/XXXX, Capital One withdrew the credit due to the merchants response no cancellation shown. This is different from the reason why I disputed the transaction. I am disputing the transaction because of dissatisfaction of the service from the merchant, not because a cancellation. 

Capital One Case Number : XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I received something in the mail from them for a preselected offer XX/XX/XXXX I called them on XX/XX/XXXX to get a loan and they told me that there was an auto decline the branch manager told me this.. I advised her what the law was and she stated that she gets trained on this and that I don't understand what the law states even though on your website says that denial of credit is considered discrimination you stated that she will not but does not have the ability to reverse the decision.. XXXX XXXX XXXX Branch manager also stated that they get trained on this every year which means she knows what the law is and decided not to rectify the situation after I pointed this fact out to her
Product: Credit reporting

I filed chapter XXXX and a judgment is still being reported on my file
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following items : - XXXX XXXX  XXXX - XXXX XXXXXXXX - XXXX XXXX XXXX - XXXX XXXX 15 U.S.C. 1681 Section 602 A.- States I have a right to privacy. 

15 U.S.C. 1681 Section 2 604 A.- States a Consumer Reporting Agency can not furnish an account without my written consent and/or instructions.

15 U.S.C. 1666 Section B.- A Creditor may NOT treat a payment on a credit card account under an open-ended consumer credit plan as late for any purpose.
Product: Debt collection

This is a violation of 15 us code 1681i ( 5 ), removal of inaccurate/invalidated credit information. Request you send me a debt validation and cancelation of debt from the original creditor. 15 usc 1692g remove immediately. Never receive anything
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 violates 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 deceitful, as they did not comply with error resolutions requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. 
These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted disputes to the 3 credit reporting businesses and they still have the inaccurate information associated with me. I've filed disputes in XXXX XXXX and XXXX of this year. They report inaccurate information with no solid way of confirming accurate information verses fraudulent info.
Product: Credit reporting, credit repair services, or other personal consumer reports

OLD INFO REAPPERED
Product: Mortgage

My mortgage provider Lakeview Loan Servicing LLC, has failed to pay the correct amount from my escrow for my XXXXXXXX XXXX. On XX/XX/2021 I called Lakeview Loan Servicing LLC and notified them that they had only paid {$0.00} in XXXXXXXX XXXX when the amount due was {$8700.00} if paid in XXXX. I was told that there was an error made and it would be resolved in XXXX  days XXXX XXXX XXXX ). I also emailed XXXX XXXX a scanned copy of my XXXX XXXXXXXX XXXX statement with the amount due. On XX/XX/XXXX I still did not see the payment posted so I called the provider again. This time I was told that they were going to start reviewing the error that day and not actually have it resolved that day. I was told by the company rep. on the phone that " these things take time '' and they would pay the amount for any delinquent fees. In XXXX the taxes had still not been paid but I received a Annual escrow account disclosure statement from XXXX XXXX stating surplus amount of {$6600.00} was being refunded to me largely since the projected amount for XXXX XXXX was {$6700.00} and actual amount paid was {$0.00}. I called XXXX again on XX/XX/XXXX in regards to why my XXXX XXXX had still not been paid and why I was receiving a refund. After speaking with a manager I was notified that my issue would be escalated and addressed within XXXX business days. On XX/XX/XXXX I contacted my XXXX XXXX office and verified that the amount had still not been paid. I contacted XXXX XXXX  on again on XX/XX/XXXX and spoke with a representative to get an update on my escalated issue. They stated that the escalated ticket had not been reviewed yet. However they also started an escalated ticket directly to their escrow team and should have the XXXX XXXX  paid in XXXX hours. At this point the payment would be multiple months delinquent.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts below were reported incorrectly and inaccurately TRANSUNION with no supporting documents of that this is valid and have no error. The payment history is incomplete and they failed to provide any proof which I already requested for so many times.. Moreover, the accounts have illegally re-aged which is totally not acceptable as per Federal Credit Reporting Act requires 100 % accuracy. The issues have been raised previously with no feedback received. XXXX XXXX XXXX, XXXX  XXXX  XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/23 LVNV FUNDING LLC wrote back to me by sending a final bill/previous billing statements, NEVER provided any electronic signatures, nor have they provided the original purchase agreement. This debt in fact is ingalid and needs to be immediately removed from all 3 of my credit reports.
Product: Mortgage

On XXXX XXXX, XXXX I met with XXXX XXXX at Bank of America to start the HARP refinance of my existing BOA loan. I was to be for 4.125 % which would save me over {$200.00} a month. I now have a loan for 5 %, payment {$1600.00}. I have been with BOA since XX/XX/XXXX. My record of payment speaks for itself, never late, never missed a payment. It is now going on 5 months since this process started. First BOA said I needed a survey for my garage, built in XX/XX/XXXX. I got a copy from XXXX County and hand delivered it to XXXX XXXX. They said it was not acceptable and wanted me to pay for another survey. I received a settlement letter on XXXX/XXXX/XXXX from BOA, ( see attached ) that my cash settlement fee would be {$8000.00} and my new payment oat closing would be {$1500.00}. Which was incorrect. Another settlement letter came on XXXX/XXXX/XXXX. This one said my fee would be {$2900.00} and my payment would be {$1500.00}. Still XXXX XXXX said to ignore it, that these were wrong and they would send me a new settlement agreement. Then I got a letter from BOA, XXXX/XXXX/XXXX, saying that my house did not have a acceptable Title. ( see attached ). Then a delay of several weeks, XXXX XXXX of BOA said to ignore their letter of XXXX/XXXX/XXXX. As of today, I still do n't have a settlement, or closing date. It is going on 5 months. During this whole time, XXXX is holding my Home Equity loan and we ask them to sign a Subordination agreement. Again, impeccable record with them. I sent a check for {$250.00} with the paperwork, still did n't hear anything. They then said they did n't receive the check and paperwork, I wrote another and hand delivered it to the bank. They then said they could n't do the Subordination because I had too many delinquent accounts. I do not have any credit outstanding! I pay cash for everything and pay off my credit card every month, my Score is XXXX. This again delayed everything. Then they sent the missing check back to me and yesterday I received a notice telling me that they are cancelling the Subordination because of non payment of the {$250.00}. They second check was cashed on XXXX/XXXX/XXXX. One thing I do have to say is that XXXX XXXX has gone above and beyond everything he could do for me. They Cluster starts when it gets above his level and then no one has a clue.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the record, there was no response and negative information is being erroneously included on my report, as I have advised you on two separate occasions, more than 45 days and again 5 days ago The investigation took longer than 50 days. This is a Direct Violation of Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( a ) As you are well aware, federal laws requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXX XXXX XXXX XXXX  ), you will be liable for your willful non-compliance. Please Remove All Fraudulent accounts as I have no knowledge of these accounts due to the XXXX XXXX XXXX Identity theft. All is being investigated by the FTC I am also keeping the companies listed below informed for your willful non-compliance : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office XXXX XXXX XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, Equifax and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Mortgage

I am a XXXX XXXX XXXXXXXX XXXX  citizen who is in danger of being foreclosed upon by TD Bank through an illegal high-cost second mortgage which contains an 18 % interest rate provision. I need immediate help to save my home. On XX/XX/XXXX, TD Bank gave me a second mortgage ( HELOC ) which contained a ceiling rate of 18 %. The rate I was given was an introductory rate of 3.25 %. It was not explained to me that my interest rate could rise to 18 % and promissory note did not state the date upon which it would reach 18 %. At the time that I signed it I was under the duress of a family emergency at the time that I signed the papers. On XX/XX/XXXX, I discovered that my payment had more than doubled in size from {$520.00} to {$1200.00} with the interest rate going from 3.25 % to 7.5 %. TD Bank informed me that my payment would be tripling in the months to come. I am a XXXXXXXX XXXX living on a fixed income! My budget can not withstand these illegal increases to 18 %. I need TD Bank to bring my loan back down to 3.25 % in a fixed rate loan. If I lose my house I will become homeless. Please help me.
Product: Mortgage

We got my reverse mortgage with XXXX XXXXXXXX XXXX, they did a very good job. Everything was fine until our home was destroyed with hurricane Ian. We got our insurance check and called PHH Mortgage ( same as XXXX XXXXXXXX XXXX ) for a payoff on XX/XX/2022 after getting the run around and several calls on XX/XX/2022 we get a payoff. They received the check on XX/XX/2022 to pay off the mortgage and put the money in escrow until XX/XX/2022 when they paid off our loan. After calling and getting disconnected several time because every time you call you get a person in the XXXX and they know nothing and when they try to connect to the US you get disconnected. I finally was told on XX/XX/2022, after several phone calls to them, that it would take up to 90 days to get the overage money back to me. They are holding the money for almost 5 months and making money on the money ( over XXXX  ) that belong to us. We can't start building a new home until I get my that money back. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, XXXX  XXXX XXXX account # XXXX Loan Amount {$6000.00} has violated my rights. 

In accordance with the fair credit reporting act, XXXX  XXXX XXXX account # XXXX Loan Amount {$2200.00} has violated my rights. 

In accordance with the fair credit reporting act, XXXX  XXXX XXXX account # XXXX Loan Amount {$500.00} has violated my rights. 

In accordance with the fair credit reporting act, XXXX XXXX XXXX account # XXXX Loan Amount {$4500.00} has violated my rights. 

In accordance with the fair credit reporting act, XXXX  XXXX XXXX account # XXXX Loan Amount {$3000.00} Date opened XX/XX/XXXX, has violated my rights. 

In accordance with the fair credit reporting act, XXXX  XXXX XXXX account # XXXX Loan Amount {$5000.00} has violated my rights. 

In accordance with the fair credit reporting act, XXXX  XXXX XXXX account # XXXX Loan Amount {$920.00} has violated my rights. 

In accordance with the fair credit reporting act, XXXX  XXXX XXXX account # XXXX Loan Amount {$1000.00} has violated my rights. 

In accordance with the fair credit reporting act, XXXX  XXXX XXXX account # XXXX Loan Amount {$3000.00} Date opened XX/XX/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 : Also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Mortgage

We fell behind on our mortgage and did a loan modification. There were issues and we were not allowed to make monthly payments-Wells Fargo would only accept the full amount dueso we got further and further behind. Foreclosure process was going to be started so we had to sell the house- no other option. WellsFargo would not work with us at all. I do not have the loan number as this was 2019.
Product: Credit card or prepaid card

I have been a with BANK OF AMERICA customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payment on the above referenced account ( XX/XX/XXXX ). Since that time I have been an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payment from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payment were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.