23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My mortgage used to be serviced by Seterus. It was transferred to Mr. Cooper. When I got the first statement it had a fee for over {$700.00}. I sent Mr. Cooper the prior statement from Seterus, which shows that only the mortgage payment was due, no other fees. They referred me t Seterus, who I have contacted multiple times with no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Alleged debt paid to XXXX XXXX XXXX with postal money order and mailed by XXXX   with proof of payment and mailing on XX/XX/XXXX. This debt is reported by XXXX  # XXXX ( XXXX ) XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX OHIO XXXX AS OWING SINCE XX/XX/XXXX. The claim for returned check is false since there was no returned check and XXXX XXXX XXXX attempted to withdraw funds from my checking account when I had cancelled my membership with them within 3 days of joining the club. 
I have tried numerous times to call XXXX using the number that TransUnion Credit Services provided with no success. I called and complained to TransUnion with no success. I finally wrote to XXXX on XX/XX/XXXX with proof of payment since XXXX and they have not responded to me by phone or by mail. TransUnion continues to report this false information as ADVERSE ACCOUNTS ON MY CREDIT REPORT.
Product: Mortgage

I sued the attorneys for Wells Fargo Bank over an account that was reopened and used by them that they wanted me to pay off as a LOC. The judge sided with Wells Fargo not because they proved I owed the loan but because she said it took me too long to sue them! The attorneys for Wells Fargo ( XXXX XXXX XXXX, XXXX in XXXX XXXX, MD ) sent me a letter stating my home would be " sold at public auction at the Courthouse Door, Judicial Center, XXXX XXXX entrance, XXXX XXXX XXXX, XXXX, MD under foreclosure proceeding instituted in the Circuit Court for XXXX County on Monday, XX/XX/XXXX at XXXX. The next day the renter in the property received a phone call from the " new owner '' stating they could not stay beyond their lease of XX/XX/XXXX. The tenants informed me they paid rent to the new owner for XX/XX/XXXX. I contacted Wells Fargo and they would not give me any information. They are aware of the 1st Mortgage in the amount of {$26000.00} due to XXXX XXXX. They have not paid XXXX and XXXX is now reporting like I still own the property even though I paid them their portion of the mortgage through XX/XX/XXXX.I am getting bills from the property after XX/XX/XXXX when I no longer owned but can not get any information in writing from the Wells Fargo attorneys . 

What can be done? Wells Fargo told me they would ruin my credit and not only foreclose but make I was not eligible to get a refinance or any other new loan. I am going to retire shortly and want to move. Wells Fargo is doing all they can to ruin because I refuse to pay a credit card that I did not have.
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 Finaricial 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.
Product: Money transfer, virtual currency, or money service

Google Pay sent two payments in the amount of {$2300.00} one day and {$900.00} another day to XXXX XXXX XXXX XXXX in XXXX XXXX. The service they were supposed to provide is the XXXX and XXXX XXXX XXXX XXXX for You where they set up a shopify and XXXX store and do all the social media set up, run marketing and advertising to bring in sales and after that do a lot of marketing that they just start selling the products all. This company did not provide services that were stated in the contract they made me sign, they kept on adding and removing products to the store they were setting up and were supposed to fully build out and transfer to me but nothing ever got set or fully completed or even remotely done. 
For the XXXX they said they do automated service they only added 6 products to this marketplace on my behalf but I paid for 100 products on XXXX and XXXX. After setting up 6 products, one of them was for a price of {$2700.00} that product now sold, mind you I paid them {$2300.00} for the package of fully automated XXXX and XXXX services. 
After that expensive massage chair sold on the store, they asked me for the money to ship the product as the cost of the chair was {$1400.00} and my profit will be {$1300.00}, I told them I had only {$600.00} and they asked me to send that which I did. They never shipped any product and XXXX never got a tracking number. 
After making this bogus sale they stopped doing anything on the store and I kept on messaging them before they stopped responding. 
I filed a claim with my bank who rejected it because the transaction was made through Google Pay that is a third party provider. Google pay refused to refund me that the charge is valid and has been picked up. I never got the service I paid for and I need my money back from Google Pay or my bank please help me. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please disregard previous complaint ( XXXX ) as I checked the wrong box [ Reporting company used your report improperly ( obtained or used for purposes that aren't allowed by law ) ] ; Whereas I shouldve checked the box-Credit inquiries on your report that you don't recognize, as I did with this complaint. See attached for additional information.
Product: Credit reporting or other personal consumer reports

Experian Went to a secondary credit reporting agency to obtain a consumer report about me without written instructions from me, which is a violation of, 15 U.S.C 1681B2, because they obtain this information under false pretenses, this is also a violation of, 15 U.S.C. 1681 Q obtaining information under false pretenses Because they did not have lawful authority to do so, nor did they have A court order to do so. For them to have done this, someone had to have a form of identification of me to know that I was linked to this information in any way.Therefore this is a violation of, 18 U.S.C. 1028 A AGGRAVATED IDENTITY THEFT. when I brought all of this to experians attention, they would not properly investigate my concerns or my dispute. I sent in a identity theft packet. I also sent in a police report from the XXXX. South Carolina police department, which both are legal and binding. Experian told me that the identity theft packet was not lawful. Know the police report, which I have found out to be a lie. 
They have failed to investigate my disputes. 
Which is a violation of 15 U.S.C 1681 I.

15 U.S. Code 1681c2 - Block of information resulting from identity theft U.S. Code Notes prev | next ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction because of this information, they failed to block the false information from my credit file. Which is a violation of, 15 U.S. Code 1681n - Civil liability for willful noncompliance U.S. Code ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or. The only thing experian wants to do. It's to keep people with bad credit. That way, they can always make money. It is only a banking game, but me, as a consumer.I am tired of it. Experience has also lied and say that.I did not send in a copy of my social security card.A bill or my identification, which we all know, is nothing but a stal tactic. They should be held responsible for the things that they are doing to consumers. It is very bad that they have already been sued just this month. 
And they need to be helable, because everything that they have done in that lawsuit they've done to me. Also, when I sent in my dispute, they want to modify it to suit their needs, which is not something that is lawful. Why modify my dispute?
Product: Credit reporting or other personal consumer reports

I am restating my request for the elimination of inaccurate information and inquiries from my credit file, in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ), with the specified removal timeframe not exceeding 4 business days. This matter has been previously communicated in my earlier correspondences dated XX/XX/2024and is reiterated here, accompanied by my re-attached FTC report # XXXX. I urge you to proceed with the removal of the following items resulting from the alleged identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

CAPITAL ONE {$800.00} Balance updated XX/XX/XXXX XXXX late payments Account Info Hover over labels for more details Account number XXXX Account status Open Date opened XXXX XXXX, XXXX Account type Revolving account Usage : 73 % Balance on XX/XX/XXXX Credit Limit {$800.00} {$1100.00} Payment Info Status Paid or paying as agreed Status date XX/XX/XXXX Past due amount {$0.00} Highest balance {$1200.00} Monthly payment {$25.00} Late payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - - - - - - - - XXXX - - FCRA violations never late prove with wrong address and accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USE MY SOCIAL SECURITY PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting

This account is reporting on my file and at no time have I received the documents that prove ownership neither from this company or from Experian, which I already submitted a complaint about. I have disputed this 3 times and they did not include the notice of dispute on my credit report which is in violation of section 807 ( 8 ) of the FDCPA as well as section 623 ( a ) ( 3 ) of the FCRA. I will either be suing them for up to {$1000.00} in small claims court or they must permanently remove this unverified item from my credit report.
Product: Debt collection

1. XXXX XXXX XXXX  XXXX the debt collector is XXXX, states it was opened XX/XX/XXXX in the amount of {$1900.00}. I never opened an account with them. I was not even living at the address they have listed. I have been living at my current address since XX/XX/XXXX. I've been trying to dispute for years using dispute tools online. I finally called XXXX and they told me how to use this online portal. 
2. XXXX XXXX XXXX  XXXX the debt collector is XXXX, states it was opened XX/XX/XXXX in the amount of {$1800.00}. I never opened an account with them. I was not living at the address they have listed. I have been living at my current address since XX/XX/XXXX. I've been trying to dispute for years using dispute tools online. I finally called XXXX and they told me how to use this online portal.
Product: Credit reporting or other personal consumer reports

My ex husband XXXX XXXX XXXX has added his address to my credit report XXXX XXXX XXXX XXXX is not my address I have never lived there and that address is in XXXX. I have frozen my credit but this poses a problem for me. Also I love in XXXX not XXXX. They have not removed the address nor the credit card he's trying to have added to my report. I will get a lawyer if necessary. 
He is trying to steal my credit and that is fraud.
Product: Money transfer, virtual currency, or money service

Commencing on or around XX/XX/2023, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my Crypto.com account to fraudulent investment firm ( XXXX ).
Product: Credit card or prepaid card

My name is XXXX XXXX and my bofa prepaid edd debit card has been locked again for bank referal for the second time in two months they want me to go into a bank and show two forms of id which the two bofa within XXXX miles of me are temporarily closed which i told them im not gon na go through this again and travel XXXX miles round trip when i verified every transaction with manager after the last time they locked my account and had to go to bank so how did it get locked again with no new transactions and i told them about temporarily closed banks and they said i have to travel the XXXX miles to have access to my benefits or i could contact XXXX update my info and have them send it to them so i did cuz i dont own a car live in country and cant drive XXXX miles but after i got email from bofa saying they recieved the update my account was still locked when i called they said i still had to go XXXX miles to show id and they have a federal injuction that prohibits them from freezing edd accounts on fraud filters and when i told them they are voilating federal injuction they did not care or try to help me one bit there is no possible reason for me to not have access to my benefits i passed all id verifications and they did this just two months ago thank god a manager understood the wrong and helped me after countless hours on phone but they are causing me so much suffering for no reason
Product: Payday loan

On XXXX/XXXX/2016, I called Greentrust to schedule a payment to be taken out on XXXX/XXXX/2016. This would have paid the loan off. On XXXX/XXXX/2016 Greentrust did not take the payment out. I called the company. 

I spoke with XXXX who apologized and offer to take a payment over the phone to pay the account off. She told me the account balance would be {$45.00} to pay off the account. She was giving me a credit for the poor service. 
I provided her my card information of which she ask for twice. I received two separate emails confirming that a {$50.00} dollar payment was processed with transaction id XXXX and another charge of XXXX was charged to my account the transaction id number for this payment is XXXX. In addition, my bank shows a pending payment of {$55.00} on the account. I talked with XXXX who said when the company processes payments they use an international system and this may result in charging me extra fees. XXXX seemed not bothered by the fact that the representative ( XXXX ) never disclosed that there are fees before taking the payment. XXXX did not seem bothered by the fact that I have XXXX receipts totaling {$90.00} that may be taken out of my account on XXXX/XXXX/2016. She gave no indication that she would cancel the payments and refuse to do so because she could not verify that bank debited my bank account for a reduced payment for poor service. The staff would rather argue semantics than dear with the fact that there is a payment of {$55.00} pending on my account and two scheduled payments of {$45.00} and {$50.00} to be debited to my account as well. I would like the correct payment taken out. The XXXX separate transactions cancelled as the debt is paid in full and the organization held accountable for not disclosing fees associated with making credit card payments to the account. I want these fees refunded as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH BEHAVIOR AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION AND WOULD BE ABLE TO OBTAIN THESE ACCOUNTS. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A DAMAGED STATE. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT IN A TIMELY MANNER. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DO NOT BELONG TO ME.
Product: Credit reporting or other personal consumer reports

THESE ARE FRAUDULENT ACCOUNTS MY INFORMATION WAS RELEASED BECAUSE OF THE XXXX DATABREACH AS WELL AS MILLIONS OF AMERICANS IDENTITY BEING STOLEN FRIM THE EXPERIAN DATA BREACH AS WELL AS THE DARK WEB THE ACCOUNTS ARE NOT MINES AND I SHOULD NOT BE LIABLE FOR SUCH THINGS XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I provided information to XXXX XXXX on XX/XX/21 that my car insurance paid for the rental car damage from ( XXXX XXXX XXXX XXXX XXXX  ) and I should not be billed for it on my XXXXXXXX XXXX XXXX. 

XXXX investigated the matter and removed all payments from the rental company ( XXXX XXXX XXXX XXXX XXXX  ) On XXXX, I saw the charges put back on my card. I called and asked why, and they said the rental co. claim for the damages that's why. I asked them for proof that the rental company charge was valid, and they said the spoke to the rental company.
Product: Debt collection

Dear CFPB, I am writing to provide additional details regarding my complaint filed against Rent Recovery Solutions LLC regarding the collection account associated with Account # : [ XXXX ]. 

Description of Events : Debt Validation Request : On [ XX/XX/XXXX ], I sent a debt validation letter to Rent Recovery Solutions LLC to seek clarification and validation of the debt. Despite the legally mandated 30-day response period, I have not received any communication from the company. 
Inaccuracies in Reporting : Discrepancies exist in the reported dates by the three major credit bureaus ( XXXX, XXXX, and XXXX ). Specifically : " Date Opened '' varies between XXXX ( XXXX  ) and XXXX XXXX XX/XX/XXXX ). 
" Last Reported '' dates differ among the bureaus ( XXXX : XX/XX/XXXX, XXXX : XX/XX/XXXX, XXXX : XX/XX/XXXX ). 
" Date Last Active '' shows inconsistencies ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 
Actions Taken : I diligently sent a debt validation letter to Rent Recovery Solutions LLC on [ Date of Debt Validation Letter ], seeking clarity on the debt in question. Despite this, there has been no response from the company within the legally required timeframe. 
Resolution Requested : I kindly request that the CFPB investigates this matter to ensure compliance with debt validation requirements and to address the inaccuracies in the reporting by Rent Recovery Solutions LLC. 
Please feel free to contact me if additional information is required to proceed with the investigation. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX account shows that I missed a payment on XX/XX/2021 which is not true. On Experian it shows that I payed on time, but on XXXX and XXXX show late payment.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information in my credit report was incorrect when I looked into it. In accordance with Sections XXXX ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ), XXXX, XXXX and TransUnion must authenticate these accounts. ( A ). Treating these reporting accounts as unverified information without presenting evidence within the allotted legal time frame is unacceptable. Both 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) are mentioned. ( A ), kindly look at the following unverified accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I 've asked for debt verification letters to be sent, and to this day I have NEVER received any letters of debt verification from the collector.
Product: Debt collection

I have requested Validation about the debt and I received no response. Theyre not following FCRA XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Credit reporting agency showing incorrect delinquency on my mortgage account with fifth third bank. 
My payments have been deferred forbearance till XX/XX/XXXX due to covid. Fifth third bank and I agreed mid XXXX that we accepted fifth third bank offer which is to open a balloon payment. 
Then fifth third bank deferred payments till XX/XX/XXXX. 

I reinstated auto pay account with fifth third bank on XX/XX/XXXX and continued to pay regular monthly payments from XX/XX/XXXX as agreed. 

I have all supporting letters from fifth third bank which I submitted to XXXX and they are not removing incorrect information. They reported that I was delinquent 180 days in XX/XX/XXXX. 

Supporting doc. 

Leter from fifth third bank that my payments have been deferred to XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payment status reported on the account XXXX XXXX XXXX, XXXX XXXX/XXXX with the credit bureau for several attempts, to no avail.. They did not give me evidence or verification as to why they will not remove the account. The error has greatly affected my credit score.