23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My escrow payment calculation ( per month ) went from {$330.00} to {$3900.00} per month. My total monthly payment increased from {$1200.00} to {$4800.00}. I called on 3 seperate occasions to have the issue resolved however nothing has been done. I would expect a mistake of this magnitude to be fixed promptly but it has basically been ignored.
Product: Checking or savings account

XX/XX/XXXX I am writing CFPB for the purpose of exercising financial recoveries of my investment with XXXX XXXX ( Account XXXX ). 

I have obtained the assistance of XXXX XXXX towards financial recovery in recompense amount of {$62000.00} ( XXXX ) or {$75000.00} ( XXXX ) from original investment of {$17000.00} ( as of XX/XX/XXXX ). The company guaranteed refund of {$6200.00} if I do not at least receive this return amount, certificate evidence is attached with this complaint and other historical documents to support this claim. A copy of the check from XXXX personal account is also included as an image attachment. The amounts are calculated based on balance of account + {$6900.00} using 20 % interest had the funds been invested appropriately, 9 years later with respective amounts in the aforementioned. {$62000.00} ( XXXX ) or {$75000.00} ( XXXX ), 20 % annual interest added to ending balance, over 9 years should this claim go beyond 9 years. 

We have made escalation attempts to reach XXXX XXXX XXXX and Ombudsman from SEC with little to no success. XXXX was unable to provide any assistance as to how or if we can contact XXXX. Our search proved only the disappearance or lack of any existence to XXXX. This proves they fraudulently scammed many others like me and disappeared. or created another company under another disguise and we have no recourse to recover our hard earned money. 

Respectfully, I simply request recovery of my investments and the amount I am entitled to receiving from such an investment.
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE ACCOUNTS ARE NOT MIND THERE ARE FRAUD ACCOUNTS AND I CONTACT THE CREDIT COMPANYS AND THERE STILL SHOW ON MY FILE IN NEED THESE ACCOUNT REMOVED ASAP. 1. XXXX XXXX ACCOUNT # XXXX 2. XXXX XXXX XXXX ACCOUNT # XXXX 3. XXXX XXXX # XXXX 4. XXXX XXXX # XXXX 5. XXXX XXXX ACCOUNT # XXXX 6. XXXX XXXX XXXX XXXX # XXXX
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specially, 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 the violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/18, I submitted a complaint to the Consumer Financial Protection Bureau ( CFPB ), the complaint number is XXXX. 

On XX/XX/18, I received an email from the CFPB advising Experian responded stating they were working on the issue. 

On XX/XX/18, I received confusing correspondence from Experian ( attachment # 6 ) ; the document does not address the issue raised in Complaint # XXXX. 

As XX/XX/18, my Experian generated report reflects the same issues noted in the original complaint submitted on XX/XX/18 ( attachment # 7 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) as well as 15 US Code 1666 the former was reporting inquiries without my permission and the latter was truth and lending act. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account is not being reported correctly on my credit report. The account type, account status, date opened, high credit, credit limit, payment status, date last reported, comments section, date of last activity, date of last payment, and payment history are different across all three credit bureaus. A charged off account can not be reported as late. How is this possible if the bureaus are getting their information from the same source, the XXXX XXXX XXXX I have written letters to the XXXX XXXX XXXX and the credit bureaus in XXXX, XXXX, XXXX, XXXX, and the beginning of XX/XX/2022 requesting the account be reported correctly on my credit report or deleted. I have not received a response from the credit bureaus.
Product: Checking or savings account

Case # XXXX We have presented an operating agreement to Wells Fargo XXXX and our lawyer wrote to Wells Fargo by mail on XX/XX/XXXX, per Wells Fargo 's instructions. Wells Fargo has not answered. We have been trying to gain control of this XXXX account for over a year. We had an open complaint with you and were waiting on Wells Fargo 's answer, but we have received none, so we would like to continue with our complaint. Our case # with you is stated above. 
Account # XXXX XXXX XXXX, XXXX I'm attaching Wells Fargo last communication The XXXX letters sent to Wells Fargo 's legal department from our legal team IRS XXXX XXXX XXXX XXXX tax return XXXX We have followed Wells Fargo 's instructions and they have failed to get back to us and resolve this issue. 

The account needs to be transferred to new administrators.
Product: Credit card or prepaid card

For the past couple weeks, I have been receiving letters from Synchrony Bank  (   XXXX .  XXXX   XXXX   XXXX , FL  XXXX  ) to verify transactions on a  XXXX  MasterCard  ( ac count ending  XXXX  ) I never opened. I do not know whether  one  was opened fraudulently in my name or if none was ever issued.     When I called the provided number (  XXXX  ) and talked to a "  Fraud Service Representative '' to clear up the issue and make sure no one ha d opened an account in my name, it became clear this was a fraud. As soon as I gave my name and explained the situation, I was asked for my full social security number. When I refused, I was then asked to give my full address and last  XXXX  digits of my SS #. At this point, I told the representative I would be reporting them and terminated the call.
Product: Credit card or prepaid card

I currently have XXXX XXXX XXXX XXXX account ( XXXX ) with Navy Federal with a limit of {$1000.00} I requested a credit limit increase and was denied. Stating Youve reached Navy Federals Maximum unsecured credit limit.

What is the definition of unsecured credit limit?

Federal Law does not define unsecured credit limit.

When I entered into this consumer credit transaction I extended credit to Navy Federal. When Navy federal pulled my consumer report that inquiry was a receipt showing that the consumer credit transaction in fact took place however I did not benefit from it.

With Navy Federal denying my credit limit increase this is a direct violation of 15 U.S. Code 1691 ( a ) ( 3 ) as It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction because the applicant has in good faith exercised ANY right under this chapter. 

I have in good faith extended credit by a consumer credit transaction using my social security number which is by law under 15 U.S. Code 1602 ( I ) is a credit card to Navy Federal who has denied me access to my open end consumer credit plan.

Pursuant to 15 U.S. Code 1635 ( a ) Navy Federal also failed to clearly and conspicuously disclose my right of recession. NAVY FEDERAL failed to provide the appropriate forms to exercise my right to rescind this consumer credit transaction.

NAVY FEDERAL is BOTH civilly liable and Criminally liable. Pursuant to 15 U.S. Code 1611 ( 1 ) Navy Federal failed to provide my right to rescind this transaction which is required shall be both fined {$5000.00} and imprisoned not more than one year.

Since Navy Federal is in direct violation of the Truth In Lending Act and the Equal Credit Opportunity Act they are civilly liable pursuant to 15 U.S. Code 1691e ( a ) for actual damages and pursuant to 15 U.S. Code 1691e ( b ) any creditor who fails to comply with any requirement imposed under the Equal Credit Opportunity Act shall be liable to the aggrieved applicant for punitive damages in an amount of {$10000.00}.
Product: Debt collection

I hope you are doing well as I write this. I'm writing to convey my ongoing dissatisfaction and worry about the unresolved dispute I filed about the fraudulent accounts that resulted from identity theft on my credit report. I regret to inform you that, in spite of my earlier contact and the supporting data I sent, the aforementioned accounts are still included on my credit report. 

XXXXXXXX XXXX XXXXXXXX. XXXX XXXX  have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

I appreciate the initial acknowledgment of my dispute and the assurance of an investigation. However, I must emphasize the importance of resolving this matter promptly, as it has had a significant impact on my financial well-being and overall peace of mind. 

I kindly urge you to prioritize the resolution of this dispute, as it directly impacts my financial security and well-being. I request that you take immediate action to remove the unauthorized accounts from my credit report and provide me with written confirmation of their removal. 

Please communicate with me promptly to keep me informed about the progress of your investigation. If there are any additional documents or information needed from my end, kindly inform me so that I may provide them promptly. 

I genuinely hope that this follow-up will expedite the resolution of this matter, as I remain deeply concerned about the continued presence of these unauthorized accounts on my credit report. Your prompt attention to this issue is greatly appreciated.
Product: Credit reporting or other personal consumer reports

According to one of your checks, in XXXX I got arrested with a XXXX in Texas and XXXX XXXX time. I can prove thanks to todays technology, that not only have I never been to Texas before XX/XX/XXXX but also where I was on the date in question exactly. I have never lived in Texas nor do I ever plan to. Further more on some of the record information it has me with the last name XXXX. While I was briefly XXXX  to a XXXX between XXXX I had never used or changed my last name to XXXX  because it is pronounced gross and I wanted no association with it just because I had chosen to XXXX. I am unsure if I should see if someone stole my identity or how to dispute properly as the pages and links provided seem to link me back to a help page rather than move me forward.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see the attached FTC Report and XXXX data breach claim and remove the account XXXX XXXX  XXXX from my credit report immediately.
Product: Credit card

My step father opened accounts fraudulently under my name. I was in the process of studying for XXXX to become an XXXX and not aware he was doing such things. Once it was brought to my attention he indicated that he did open it only to help establish credit under my name. Unfortunately with all the stress and studying for XXXX I did not address this sooner. Once I passed XXXX and was able to work on other things I was reminded that he opened the account and that he was n't going to make payments. I did not make any charges, nor did I authorize this account to be opened and when I tired to explain this to Discover but they stated it did not matter I was still responsible for the payments because the account was brought to my attention sooner. It was my step father who helped raise me from an infant that opened this account fraudulently and since I was consumed with studying I was not aware of the details. 
In the process of applying for my current position as an XXXX the company wanted a copy of my credit report and to know what accounts were outstanding so I had no choice but make a payment to Discover so that my job would not be in jeopardy due to a fraudulent account. 
Bottom line : This was not opened with my consent, I did not under any circumstance use the credit line in any shape or form and this needs to be closed and done with. I am sending a copy of the policy report because Discover did not want to see it. Please help me resolve this, I should not have to go through this because someone opened accounts under my name without my knowledge or consent.
Product: Credit reporting or other personal consumer reports

I am the author of this complaint. I checked my consumer credit report and noticed some inaccurate, incomplete, and fraudulent accounts. These accounts and the reporting of these accounts are in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I have been negatively impacted because of these errors. 

Furthermore, my social security estate was accessed by these creditors once I submitted my application. The Federal Reserve Act section 16 part 1 and 2 states that the applications are worth the notes applied for which should satisfy the debt balance and reflect as paid off in full on my credit report
Product: Student loan

Navient has circumvented contacting me directly by telling sensitive erroneous information to my friends by calling them unsolicited. Navient often calls and acts as a debt collector even when my loans are not in default and are not even 30 days past due. Navient also calls my cell phone during work hours at least XXXX times per day. Phone records should provide this.
Product: Credit reporting or other personal consumer reports

XXXX Experian and XXXX are reporting inaccurate information on my credit report. And continue to violate 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION. This erroneous information is ruining my credibility, and I would like it removed entirely from my credit report. List of inaccurate information : the reporting of XXXX XXXX and XXXX XXXX XXXXXXXX is inaccurate and must be deleted as INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes the reporting of these accounts Inaccurate. Once again, 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION PROHIBITION ( A ) Reporting Information with actual knowledge of errors 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 data is inaccurate. Duty : a moral or legal obligation ; a responsibility. Accurate : correct in all details ; exact. PROHIBITION : a law or regulation forbidding something As Defined by the IRS. Even if you didn't receive a Form XXXX, you must report the canceled debt as gross Income on your tax return. The IRS Clearly defines a charge-off as Gross or Ordinary Income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes your reporting of this account Inaccurate. Both XXXX XXXX and XXXXXXXX XXXX XXXXXXXX are inaccurate and must be removed.
Product: Credit reporting or other personal consumer reports

As a victim of identity theft, I have faced numerous challenges, both financial and emotional, due to unauthorized accounts and transactions appearing on my credit report. I reported these fraudulent activities to your bureau and submitted all the necessary documents and detailed explanations, to substantiate my claims and establish my innocence. What adds to my frustration and disappointment is the bureau 's apparent failure to recognize the seriousness of my situation. Despite providing substantial evidence of identity theft, it seems that my case has been either overlooked or deemed unimportant. This has left me feeling disregarded and powerless in a matter that has profoundly impacted my life. ACCOUNTS : XXXX XXXX and XXXX  XXXX XXXX ( Original Creditor XXXX ) XXXX. Please delete these fraudulent accounts ASAP.
Product: Credit reporting or other personal consumer reports

These unauthorized inquiries are reporting on my profile and are preventing me from opening new credit : XXXX XXXX XXXX XXXX XXXX They are also reporting my name misspelled as XXXX XXXX XXXX and XXXX XXXX XXXX My name is spelled XXXX XXXX XXXX. 

They are also reporting a wrong address on my report. That address is XXXX XXXX XXXX XXXX XXXX XXXX My correct address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Its me again, my name is XXXX XXXX XXXX, I have been reporting issue for half years already, and today I just confused about the privacy issue that should I opt in or opt out since the difference explanation about advice from different people, they told me I should sell my information because otherwise other people cant find me, today they told me I shouldnt because that protect my information that I dont get scam, so should I? Im very confused who should i trust. Also I saw on my credit report their are some problems but I also dont want make mistake that I dispute the right information, so Im afraid that I made mistakes again. Now I even afraid to touch any of my phone settings. Please help me and also I dont have any credit card or debit card to use, I dont know why the issue keep happening on me and then its been a recycling problem. Also I read all the post and make me more confused, please just give me a clear explanation and not a big paragraph that make me more confused and same problem the link take to me far and far away. In the end I dont know what Im doing. Please I dont know what to do
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Equifax 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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : DEPTEDXXXX XXXXXXXX Balance Owed : {$7800.00} DEPTEDXXXX XXXX Balance Owed : {$3900.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$2200.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$1300.00} DEPTEDXXXX XXXX Balance Owed : {$2300.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$1300.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$2000.00} DEPTEDXXXX XXXX Balance Owed : {$1000.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$600.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$1300.00} DEPTEDXXXX XXXX Balance Owed : {$6600.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX  Account Number - XXXX. I just got a copy of my credit report. I noticed that you are reporting this account incorrectly .This account is reporting not only as a CHARGE OFF ACCOUNT, but also shows a past due balance of {$590.00}. According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion
Product: Debt collection

I had this XXXX bill on my credit report for a long time. I disputed this account with the bureaus 4 different times in XXXX, XXXX, XXXX, and the end of XXXX. I've never had XXXX. Regardless, it's not even reporting right. It was removed by XXXX for being inaccurate but these other people wan na stay on my credit report. This is hurting my chance to grow my business and it's not even my debt. I disputed this account and they just won't remove it even though it's not reporting right or mine.
Product: Credit reporting or other personal consumer reports

In accordancewith the Fair Credit Reporting Act ; the list of accounts below has violated myfederally protected consumerrights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX XXXX Account name : XXXXXXXX XXXX  XXXX Account XXXX Account name : XXXX XXXX  Account XXXX Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX 15 U.S.C 1681 Section 602 ( a ) : There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

15 U.S.C 1681 Section 604 ( A ) ( 2 ) : States that a consumer reporting agency may furnish a consumer report under the following circumstances and no other. ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S.C 1681c. ( A ) ( 5 ) : States that consumer reporting agencies can not include adverse items of information ( other than records of convictions of crimes ) that are more than seven years old.

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

THE FOLLOWING ACCOUNTS ARE AN ERROR XXXX, XXXX MISSING INFORMATION. THIS ACCOUNT WAS NEVER VERIFIED ERROR FRCA 623 VIOLATION PLEASE DELETE UNRECOGNIZED ACCOUNT.S : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I have reviewed my account and found some fraudulent and inaccurate information. It seems that I am a victim of identity theft. I am a senior. I don't how these things got on my reports. I request the removal of the following fraudulent accounts : XXXX XXXX XXXX XXXXXXXX - XX/XX/year>. 

I already sent my FTC report but I was told that it was invalid even though I processed the documents through http : XXXX as they have suggested. I also called FTC to ask for their guidance and they said that there is no issue with the document. Equifax is also the only credit bureau that reports this late payment. It is not in XXXX and XXXX. 

Please help me resolve this issue. I am resending the FTC report from http : XXXX along with my driver 's license, social security card, and proof of address.
Product: Money transfer, virtual currency, or money service

square up app Credit Card Processing and banking. 

On XX/XX/2020 I opened a square up app credit card processing account for my business. i processed 3 test run payments and was successful. On the 5th day i made a customer transaction for my business of {$5400.00} and although everything processed successfully. Square co put a hold on the funds of {$5400.00} and hasnt let me withdraw. They stated they were missing information of me and my business. That itself is understandable but not 6 days later. I Used to be a XXXX XXXX, no one should be allowed to complete and open an account, much less process transactions on accounts pending identity verification. Furthermore, Funds on hold with no notice is also unacceptable. At the time someone notice anything missing on my account, this processing account should of not let me process any payments. 
my account can be located with them by email XXXX XXXX XXXX Phone number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx. XXXX