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

XXXX, XXXX, Equifax I am writing to update/correct my personal information on file with your company. 
My ONLY Address is XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX GA, XXXX Please remove all the other addresses off my report XXXX XXXX XXXX XXXX XXXX GA, XXXX XXXX XXXX XXXX XXXX GA, XXXX as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. 
PLEASE STOP PUTTING THESE ADDRESSES BACK ON MY REPORT AS THEY ARE NOT MINE YOU ARE IN VIOLATION OF MY RIGHTS My name is XXXX XXXX Please remove any other aliases. 
Please remove all phone numbers. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
All Accounts : Has Violated my rights. 

XXXX XXXX XXXX ACCT XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX 15 U.S.C. 1681 Section 602 A. States I have the rights to privacy.

15 U.S.C. 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a without my written instructions.

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

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

I have not supplied proof under the doctrine of estopper by silence, Engelhardt v Gravens ( mo ) 281 SW 715,719,1 presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

15 U.S.C 1681b. Permissible purposes of consumer reports... 
( a ) In general Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
( 3 ) To a person which it has reason to believe- ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account XXXX XXXX ; 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 Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.SC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has resonable cause to believe that the information is inaccurate. 
Please investigate this account a d verify everything is 100 % accurate or remove.
Product: Vehicle loan or lease

This is my original case number with your agency : XXXX. The case number is also listed on the Santander Settlement Agreement dated XX/XX/XXXX. 
The settlement agreement required me to pay $ XXXX/monthly starting XX/XX/XXXX and my last payment would be XX/XX/XXXX. 
I paid it monthly as agreed. When I called in XX/XX/XXXX a female Santander employee reminded me that XX/XX/XXXX would be my last month, and I would get my Certificate of Title then. 
I called today to pay it over the phone and asked to speak with the same employee from XX/XX/XXXX. " XXXX '' said he would handle it. He placed me on hold several times, and said he didn't know I had an agreement. Then he said, " Santander doesn't have a copy of the agreement, my bad ''. 
I can't believe I honored the agreement and when time came for my final payment, Santander is now saying they don't have an agreement with me. 
Sometimes I made my my monthly payment directly over the phone with a Santander representative, and the representative would remind me how many months I have left on our agreement. 
" XXXX '' wouldn't even let me pay today and get released per the terms of my agreement. XXXX 's exact words when he couldn't find the agreement " my bad ''. He said, he didn't even know they had one with me. 
I don't understand how a large corporation could say it's " their bad '' that they lost the agreement when time comes for me to get my title. 
I called to make the final payment and couldn't today. I will hold off on making the payment because I see now this is beyond deceptive loan practice.
Product: Money transfer, virtual currency, or money service

I was scammed out of {$120000.00} from an outfit claiming to be XXXX, they fooled me into using XXXX-then proceeded to systematically rob me through XXXX, XXXX, XXXX gift cards and wire transfers .The wire transfers came from my account at Wells Fargo bank and went to XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This drubbing started on XX/XX/XXXX, and they took about 3 weeks to steal the money up through XX/XX/2023.
Product: Credit reporting or other personal consumer reports

This Bankruptcy accountis being reported on my credit report as if they are the furnisher,. this account is reporting inaccurately and needs to be deleted since you are violating 15 USC 1681e ( b ) by keeping my credit report from reporting 100 % accurately. This Account needs to be removed from my file. XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/2018 Reference # : XXXX
Product: Vehicle loan or lease

Due to the Covid Pandemic XXXX my employment status changed and was unable to keep up with payment on the vehicle and the car was picked up from my home XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX and auctioned on XX/XX/XXXX in the amount {$10000.00}. Per XXXX ( male ) XXXXXXXX XXXX XXXXXXXX XXXX XXXX whom I spoke with on XX/XX/XXXX @ XXXX. I asked why is this a Charge Off in the amount {$23000.00} and written off {$19000.00}, however XXXX is still charging me late fees and negative and incorrect information to the credit bureaus causing scores to drop. I also was told to email the specials team with this matter at XXXX for further questions and concerns.
Product: Mortgage

Due to COVID-19, Specialized Loan Servicing ( SLS ) authorized us three months forbearance with 100 % no negative reporting impact ( XXXX XXXX, XX/XX/2020 ). Payment resumed XXXX of 2020 for {$3500.00} which include {$2600.00} original payment plus extra interest of {$890.00} for 6 months to offset the forbearance missed interest. This was offered by SLS with 100 % no negative impact ( credit bureau or penalty ). 
SLS lied about the offer and as soon as we started the payment plan in XXXX of 2020, SLS reported me and my wife to the three credit bureau ( XXXX, XXXX and XXXX ). This costed us -75 points while we are trying to refinance to reduce mortgage payments. 
It appears that SLS is making a habit of this and the XXXX  reported more than 770 cases against SLS. The agreement payment plan has another third party witness
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.this lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit card or prepaid card

I called a few years ago and wanted to stop paper mailing on all promo The customer service rep talked me how to do it online. 

Everything was fine but now im getting paper mail again. 

The customer service reps now are 100 % NOT helpful
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 


15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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

My husband XXXX XXXX had a reverse mortgage on XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX with PHH XXXX XXXX  # XXXX He passed away. I have bee eligible for an XXXX to stay in the home as a non borrowing spouse. This mortgage has been in forclosure status for the duration of this year, although there is a default of XXXX The forclosure was for the death of only borrower. Now I sent a check in XXXX for {$5300.00} To cover the default to put the balance at XXXX, as My XXXX letter stated I needed to do to qualify. PHH returned my check of {$5300.00}, stating that ( Payment not accepted as there is no repayment plan on file ). So now As the forclosure moves to the end date. XXXX XXXX is held up, due to the default balance for Taxes and so on. And PHH will not accept my payment. I have the check and letter available. And PHH also has a copy of it, they dont deny returning the check, but it is an attempt to make me unable to qualify for the moe XXXX This is unfair practice, and i am in a catch XXXX that phh has put me in purposely. I only have till XX/XX/2022 to pay the balance to get my moe. What do i do, as I already sent the payment and its documented that they just didnt accept it. To make things even more complicated. The home had massive fire damage about the same time my husband died, so we recieved a XXXX insurance claim check, and had to send it into phh. this was a year ago, they do not want me to repair the home, as i chose to do, so i can sell it afterwards. I gave them all paperwork needed, yet they chose to forclose. Pleae help me, i know that what they are doing to me is not legal or atleast against some codes of ethics. Please call me at XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi Transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXX transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Product: Checking or savings account

Subject : Upcoming Deposit to Address Negative Balance in Account Ending in XXXX Dear Chase Bank Customer Claims Team and Executive Office, I am writing to inform you that the negative balance of {$120.00} in my account ending in XXXX will be addressed with an upcoming direct deposit. XXXX XXXX XXXX XXXX is scheduled to deposit {$20000.00} into my account sometime this upcoming week. This deposit will cover the negative balance. 

I kindly request that you take this upcoming deposit into consideration when reviewing the negative balance on my account. Additionally, if there are any delays, please be aware that XXXX XXXX will be making a reimbursement from a XXXX loan in the upcoming weeks to ensure the balance is rectified. 

Furthermore, I have already contacted the XXXX, XXXX, and other government entities about the lost and stolen funds from my XXXX loan. Please take this into full consideration as they are aware of the situation, and now Chase Bank is also aware. 

I want to emphasize that this is not fraud. These are legitimate companies, and I requested them to direct deposit because a paper check is unacceptable for me. Please ensure that you are ready for this to come through. I have also added a direct deposit authorization to them through first-class mail. 

For further confirmation and to facilitate the deposit, you may contact XXXX XXXX at XXXX ( XXXX ) XXXX. Please press 0 to speak with an operator and inform them that it is acceptable to proceed with the deposit as this is a business account under XXXX XXXX XXXX. 

Thank you in advance for your understanding and cooperation. 

Sincerely, [ Your Name ] XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report I was shocked to l have been a victim of identity theft. I found numerous accounts on my credit report they were not open by me.This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a late payment reflected in my account that is outdated. This should be corrected
Product: Debt collection

I never received any communication from the hospital or the collection agency. The only way I learned of the debt was through a credit report. The collection agency has failed to, upon request, send a bill and verification of debt.
Product: Mortgage

I requested PMI removal in writing and submitted the required form on XX/XX/year>. I was informed I needed to pay for an appraisal and paid {$150.00} on XX/XX/year>. 

I have called and emailed weekly to request an appraiser to come out and NewRez says they are pushing the request forward. As of XX/XX/year>, I still have not received an appraisal even though I have paid the money for XXXX. At this point they have stolen {$150.00} from me since they have not rendered services in a timely manner. I am also paying PMI each month they do not push this forward. It could have already been removed. Each week Im told someone will be contacting me within 7 business days and another week goes by without a call. I have done everything on my end to move the process along and they are stalling the process. This is an unethical and deceptive practice to collect money from me and require me to pay PMI longer than I should due to their unprofessionally slow process.
Product: Checking or savings account

Bank of America is changing me {$140.00} in overdraft fees on approximately {$20.00} in transactions. I spoke to customer service and spoke to XXXX ID # XXXX. She identified herself as a Manager of Small Business Customer Service. She refused to eliminate all or a portion of the fees even though she stated the policy had been updated to reduce the fees and go into effect in XXXX. 

I asked her several times and she refused. These fees are ridiculous. I have since put enough money to cover the transactions, but not the fees. I am now at a branch waiting to see if the manager will do anything here.
Product: Credit card or prepaid card

On XXXX XXXX, 2017 I charged {$510.00} onto my account.I made my first payment in the amount of {$150.00}, on XXXX XXXX, 2017. After being handed a late fee my remaining balance was {$540.00}, i was then charged a finance charge in the amount of {$12.00} and then credited {$12.00}, which left me with a remaining balance of {$390.00}. On XXXX XXXX2017 I made a payment in the amount of {$390.00}. I was assured by the customer service representative that my balance was completely paid off. To be clear, all payments were made over the phone with a live customer service representative. On XXXX XXXX, 2017 I came to the realization that I was being charged {$84.00} in late fees, an amount I i paid immediately to avoid any further fees, but by this point it was too late and I was red flagged on my credit report which spiked my credit score to an abysmal XXXX. Although i am not disputing the fees, I do feel cheated, since i was given false information by the company when I was told that my account was paid off. When i contacted the company after learning of the dramatic change in my credit score, the only help they offered was a {$30.00} credit on my account, which i refused since i have a balance of {$0.00} anyways and those {$30.00} would not improve my credit score. i am not looking for any financial compensation i am simply seeking for help restoring my credit score since their false information lead to its dramatic fall.
Product: Credit reporting or other personal consumer reports

We are in the 60-day mark and Equifax has not removed the attached accounts from the credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

DELETE ENTRY UNLESS ACCOUNT CAN BE VERIFIED THROUGH AN APPROPRIATE SOURCE ( COURT ). PER FCRA ENTRIES SUCH AS BANKRUPTCIES CAN NOT BE VERIFIED VIA THIRD PARTIES SUCH AS PACER. 

IN ADDITION THE 3 BUREAUS INFORMATION IN REGARDS TO THIS ONE ACCOUNT IN INCONSISTENT IN MANY WAYS.
Product: Money transfer, virtual currency, or money service

I received a paystub from Wells Fargo, for money owed to me. Paystub states check date of XX/XX/2018, for deposit to my checking account. It was not direct deposited. I called payroll, who told me to call another department. After 7 calls, an outside vendor confirmed that the money was disbursed to Wells Fargo for further payment to me and sent me back to payroll to find out why it was not deposited. Payroll sent me back through the same calls. I do not have my money. Previously, another complaint about Wells Fargo. They paid me, then sent a dunning letter, telling me they had overpaid me and demanded the funds back. I don't know if this is similar situation where they tell me it is my money and then take it back.
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 proce 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 39 financial loss, and I seek appropriate redress for these violations.
Product: Money transfer, virtual currency, or money service

After multiple attempts to access my own money I transferred to the platform from my bank and filing complaints about this all I have received from the company is excuses about how their looking into it and will get back with me. Since then {$4200.00} of my money has disappeared from that account and with multiple attempts to leaving messages directly on the company site and email to find out where my money went there is no response as to where my money disappeared to.this is straight criminal theft!
Product: Credit reporting or other personal consumer reports

Subject : Failure to Notify of Investigation Results and Inaccurate Reporting by XXXX and XXXX Dear CFPB Representative, I am filing this complaint regarding a violation of the Fair Credit Reporting Act ( FCRA ) by both XXXX and XXXX. I have repeatedly disputed an inaccurate late payment on my XXXX account that has been paid in full and closed. Despite submitting disputes, the investigation process has been mishandled and severely delayed. 

The inaccuracies include : Experian reporting a XXXX late payment without ever reporting a XXXX late, which is inconsistent with reporting guidelines. 
Inconsistent reporting of this late payment across different credit bureaus. 
What concerns me further is that I was not notified of the results of the investigation as required under FCRA. It has been well over 30 days since I initiated the dispute, and yet I have received no communication regarding the findings or resolutions of the investigation. This is a clear breach of the FCRA, which mandates that the results of any investigation be provided to the consumer within a XXXX period. 

I demand that this issue be escalated and investigated immediately. Experian and XXXX must provide me with the results of the investigation promptly, or the inaccurate information should be deleted from my credit report across all bureaus. I have followed all necessary steps to dispute the issue, and their failure to notify me within the legally required timeframe is completely unacceptable.