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

I, XXXX XXXX XXXX have noticed inaccuracies on my credit report such as XXXX  payments. I am writing this letter to have my credit report updated to be current and up to date. First, according to the F.C.R.A Section 604 ( A ) ( 3 ) 15 U.S Code 1681 ( b ) Permissible purpose states that I have the right to privacy and that my information can not be shared without my written consent! Second, Section 607 ( A ) 15 U.S Code 1681 ( e ) Compliance and Procedures states my report must be XXXX XXXX  accurate at all times and these late payments are not accurate! Nor did I authorize these late payments to show on my report. Third, according to the Truth and Lending Act Section 15 U.S Code 1666 ( b ) corrections of billing errors the CRA must correct any billing errors made on the consumer 's credit report with a written statement of what accounts need to be updated and corrected. I have already sent a letter XXXX XXXX XXXX  AND YOU ARE NOW IN VIOLATION OF MY CONSUMER RIGHTS! I am also placing a FTC reference number- XXXX XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. These accounts must be updated AS SOON AS POSSIBLE to avoid XXXX  XXXX  FEES.
Product: Student loan

Requested a refund on XX/XX/15 from ed financial for payment made during the pause/freeze on student loan debt. Can't get any info on process time for refund or how to expedite the process for loan forgiveness.
Product: Mortgage

I put 50 % down on this house. My loan was sold to this horrible company, NewRez/Shellpoint. I was called early Saturday morning by a person who told me my loan was 2 months delinquent and my account could be referred to a collection company. I have an 800 credit score, my bank pays my bills and I was not delinquent. I asked her why the payment was increased {$700.00} per month and she did not know. I figured it was because they added their outrageous insurance bill onto my monthly payment. Then she suddenly awakened and said it was probably the reason. I have insurance and it is paid in full. In my 35 years the lender is notified if the insurance is not renewed. But NO, this company justs adds their own insurance without notice. I have hunted for hours to find the insurance department email and/or phone number for their insurance department and can not find it anywhere. I can get on the NewRez site but that is no help. I remember when my primary home loan was sold to NewRez/Shellpoint. On the 1 year loan anniversary NewRez/Shellpoint increased my payment on that loan {$1000.00} per month. It took them 6 months to get their mistake straightened out. I was so glad when I refinanced that loan with XXXX XXXX. NO other lender, to my knowledge, does this to their customers. In my opinion, this is a SCAM on consumers. I don't know if this is even legal for them to do without any notice.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Experian regarding their failure to respond to a dispute letter I sent on XX/XX/XXXX. The letter, which I mailed via USPS certified mail ( tracking # XXXX XXXX XXXX XXXX XXXX XXXX ), specifically requested information on how Experian verified disputed items on my credit report. To date, I have not received any response from Experian.

In my dispute letter, I requested the following information, which I am entitled to under the Fair Credit Reporting Act ( FCRA ) : The date Experian contacted the creditor or furnisher of the disputed items.

Contact information for the creditor or furnisher.

The name of the person who verified the disputed item.

The method of communication used to verify the information ( e.g., phone, email, etc. ).

Whether the creditor or furnisher provided my Social Security number, address, and date of birth during the verification process.

I respectfully request the Consumer Financial Protection Bureau to investigate this matter and ensure Experian complies with their legal obligations. Additionally, I seek assistance in securing the deletion of the disputed items on my credit report due to their failure to properly verify and respond within the required timeframe.
Product: Debt collection

Company has furnish accounts with credit Bureaus for collection of un-verified debt
Product: Debt collection

Hello I have been contacting this company regarding removing the dispute I placed on that account and report that I am no longer disputing the account. They will not remove the dispute until I pay it in full. 
The representative said I had to pay today in full and that nobody was available from that department to help me. 
This dispute is hindering me from obtaining a mortgage. 
Please help.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Ca XXXXLVNV Funding LLCC/O Resurgent Capital Services XXXX XXXX XXXXXXXX, SC XXXXXX/XX/2019Re: Acct 01 XXXX XXXX XXXX XXXX		Dear: LVNV Funding LLC   	You are hereby notified under provisions of Public law 95-109 and 99-361, also known as the Fair Debt Collection Practice Act, that your services are no longer desired.Please remove me from you files and or computer systems.Cease & desist all attempts to collect the above debt. Failure to comply with this law will result in my immediately filing a complaint with the Federal Trade Commission and the State of California Attorney General’s Office. I will pursue all criminal and civil claims against you and your company.Let this letter also serve as your warning that I may utilize telephone recordings devices in order to document any telephone conversations that we may have in the future.Furthermore, if any negative information is placed on my credit bureau reports by your agency after receipt of this notice, this will cause me to file suit against you and your organization, both personally and corporately, to seek any and all legal remedies available to be by law.Best Regards.XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under a147.3K open end consumer credit plan as late for a purpose. 
Please remove before this is illegal and I feel my rights have been violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple times to Equifax to remove multiple accounts and unauthorized inquires that are not mine to my knowledge and a result of fraud. I've sent debt validation nothing was validate. When disputed with Equifax it was confirm valid but no proof was shown. Ive faxed and mailed out via certified mail a FTC report and also a police report and Equifax failed to follow suit as other credit reporting agency has done so. I need XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX and inquires XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX  XXXX XXXX, XXXX, XXXX XXXX removed from my credit report or send debt validation of these accounts with my signature.
Product: Debt collection

The only method this company has used to contact me has been by phone. They did not communicate by mail first which I know is law. 

The first phone call was last week on XX/XX/2019 from American coradius international they us a spoofer to hide there actual number they made it appear to be a local number ( XXXX ) XXXX When I informed. The women that was calling on behalf of XXXX that the debt was included in bankruptcy that had already been discharged, she told me they dont recognize bankruptcy and that I owed XXXX plus collection fees. I informed her to not call me again and hung up. 

My grandmother then called me on XX/XX/XXXX to inform me that american coradius international on behalf of XXXX they informed her of a debt how much was owed and told her it would be in her best interest to contact me and make me call. This is a XXXX year old women they threatened. 


american coradius international tried to call again on XX/XX/XXXX XX/XX/XXXX and this morning XX/XX/XXXX XXXX
Product: Money transfer, virtual currency, or money service

I posted a job listing on XXXX offering my services as a XXXX XXXX. Shortly after, I received a message from someone claiming to represent XXXX XXXX named " XXXX XXXX. '' Because there was this message on the XXXX XXXX, the message made me think it was a legit partner from them : XXXX ( XXXX XXXX ) is a XXXX Business client Business clients are great for offering ongoing work and big projects. Give fast, quality service to win their next project. 

XXXX offered me a remote position with a promising payment rate, and I eagerly agreed to a XXXX interview. During the interview, everything seemed professional and legitimate, and I provided my identification documents without hesitation. On the designated workday, XXXX informed me that the company was in the process of obtaining the necessary equipment, but they sent me a check and asked me to send money to a vendor for the equipment. 

This process was repeated multiple times with different checks, and I deposited the checks and sent the requested funds as instructed. However, I later discovered that it was a scam when my bank notified me of a returned check and I realized the real XXXX XXXX had warned against such scams on her XXXX profile. 

My primary grievance revolves around the lack of urgency and willingness to resolve the issue promptly by the two financial institutions involved. Firstly, I am deeply concerned about Wells Fargo 's decision to honor three counterfeit checks on separate occasions, totaling {$14000.00}. 

When I contacted Wells Fargo to report the fraudulent activity, I was met with a disengaged fraud department agent who remained unresponsive throughout my explanation of the situation. Despite the fact that a larger check of {$5800.00} had yet to be cashed and could have been prevented and returned, the agent simply stated that there was nothing he could do. 

Similarly, my experience with XXXX XXXX was disheartening. I reached out to the specific XXXX agency used by the scammer and spoke directly to a representative at their branch. However, she provided no assistance and claimed that the manager was too busy to speak with me. 

She took my information to have the manager call me back, but I never received a call. Additionally, the representative provided me with a 1-888 number to complain, but it was exclusively for XXXX account holders, and as a non-account holder, I was unable to utilize it. 

Both financial institutions allowed these fraudulent activities to occur without intervening or displaying any willingness to assist.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian, XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX Balance : {$13000.00}
Product: Checking or savings account

Chime recently just closed my account and with no reason I have funds on the account I cant access XXXX is on my account I cant access it i started banking with chime XX/XX/2020 and been receiving unemployment benefits XX/XX/2020 they closed my account and gave me no reason to why please help its XXXX I have XXXX small children which are under XXXX years old my children XXXX is ruined
Product: Debt collection

Im writing to dispute an account fraudently opened in my name. Im a victim of identity theft and did not open this account. Im also a victim of identity theft and did not open this account. Im also a victim of the XXXX and XXXX breach. State ID and social security have been compromised. Im not responsible for any charges made to this account. I would like to request copies of any documentation, such applications or any other record showing the activity on this fraudulent account that provide proof I opened this account. According to federal laws this company is required to provide undeniable proof that this debt is valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

The address, names, and date of births are incorrect on my credit report. They are either old addresses, or fraudulent accounts. Under 15 US code 1681 e ( b ) and 15 US code 1681i ( 5 ) this account is in violation not reporting 100 % accurate
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX whom I was contracted with wrote off my debt off and sold it to another company named XXXX ( XXXX ). My contract with XXXX XXXX was then cancelled. Experian Is reporting that I am in a delinquency status with XXXX ( XXXX ). Theres no valid contract between XXXX and I. I asked Experian to remove this from my report. I sent in proof that I do not and never ever had a contract with XXXX. Experian still refuses to remove this from my report which is damaging. Please have them remove this incorrect information.
Product: Money transfer, virtual currency, or money service

I invested in a crypto investment currency exchange, but it happened to be fraudulent. 

All of my transfers came from my XXXX wallet. It was over XXXX XXXX. It happened between XXXX XXXX - XXXX XXXX. 

I have traced all of my money to wallets maintained by XXXX, Coinbase.com, and XXXX I have sent the evidence, report, and letter of fraud to all entities. They would like my local law enforcement to work with them to do a criminal investigation, but my local law enforcement does not investigate financial crimes. Their resources go towards public safety. 

The entities are willing to work with government enforcement agencies regarding my case. 

Can you help me?? 

Thank you.
Product: Mortgage

Started receiving certified signature letters from mortgage lender that account is past due. Lender stated if account is brought current within a date set that the property would go into foreclosure and be sold. Contacted lender and verified account is current. Have received over 20 letters in less than 2 1/2 weeks from the lender stating the account is past due. I have contacted the lender twice and spoke to several representatives verifying the account is current. Was told the letters were a mistake. But still currently receiving letters every day.
Product: Money transfer, virtual currency, or money service

So, I used to have {$14000.00} in my account and when I had gone to check how much was in there... There was only {$4000.00}. Now I'm aware of who is taking my money because they are the only other person who has access to my account but- they are only the payee on the account. So when I took the remaining cash out to make sure that it stayed safe... Right after I have been getting harassed by Wesbanco to send my money back into the account and if I don't they'll have to call the police. Which I had put {$2500.00} back in on maybe XX/XX/23 and right after I had gotten violently ill so I had just handed the cash to my mother ( the one stealing the cash ) and went back home. I had told this to Wesbanco yet I am still being threatened with police and being harassed if I do not " pay up ''
Product: Mortgage

I am frusterated we are trying to work with the lender and are gettting no where. At some point I was offered a XXXX Trial Payment Plan for a modification, we made one payment and then I a hardship with repairing my car, we were unable to continue the remaining 2-3 trial payments, that became cancelled. 
We then contacted few non profit agencies, we law firms, paralegals and got some advise and free consultation however we re-submitted for a change in circumstance ( hardship request ) and have been told we don't qualify for a modification or home retention options until XX/XX/XXXX. 
We have been working with a 3rd party agency XXXX XXXX they tried to submit hardship documents and do an appeal and the results of the appeal are attached. 

Here is a timeline of whats been going on, on our account XXXX nos XX/XX/XXXX submitted XXXX bk filed XX/XX/XXXX in review XX/XX/XXXX denied and never got denial paperwork underwriter said send in appeal XXXX got appeal decision saying reapply in XX/XX/XXXX ( see attached ) We have been trying to work with Mr. Cooper since XXXX, we ended up filing chapter XXXX BK to save out home from going to foreclosure, however we got a new sale date coming up in XX/XX/XXXX. We don't have any liquid assets to bring the loan current, we just want to accept a capitalized mod, of flex mod programs specifically related to this investor so we can come current and make our trial payments continously. 
This is our home, our retirement for our children, I am terrified of loosing our home, I wish that the lender can review our updated income, assets, financials to determine we have a solid hardship and re-review this file again. We are seeking your help to determine what " home retention '' options will be availble for us, XX/XX/XXXX is many months away and we can not loose our home. Please help us escalate this matter
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX and XXXX, 2025, multiple transactions were processed through Cash App for court filing fees. However, despite these charges, the court has confirmed that they never received the funds, indicating that Cash App has either failed to process or has wrongfully withheld the payments. 

Under Regulation E ( Electronic Fund Transfer Act, 12 CFR 1005.11 ), financial institutions must investigate and resolve unauthorized or erroneous transactions within XXXX  business days. Cash Apps failure to properly process these transactions, return the funds, or provide a clear resolution violates federal consumer protection laws.

I have contacted Cash App XXXX multiple times, yet they continue to delay and provide vague responses rather than resolving the issue. This has caused financial hardship, as these transactions were for time-sensitive legal filings. 

I am requesting the CFPBs immediate intervention to ensure : XXXX. The immediate return of the withheld funds XXXX. A formal explanation from Cash App regarding the failed transactions XXXX. An investigation into XXXX  XXXX  compliance with federal regulations If Cash App does not resolve this matter promptly, I may consider further legal action for their failure to uphold consumer protection laws. I request the CFPB to take swift action to hold Cash App accountable for these unfair practices.
Product: Credit reporting or other personal consumer reports

This notice is to inform you that you have broken law. You are unlawfully reporting unauthorized accounts on my consumer report that has violated my federal protected rights to privacy and confidentiality under FCRA law 15 USC 1681. I have not given permission to furnish anything on my credit profile. You have violated me pursuant to 15 USC 1681 ( b ), the permissible purpose of my consumer reports. You have no permissible purpose by law to contact third parties with my private and personal information. Your offenses amount to Aggravated Identity Theft pursuant to Title 18 U.S.C felony punishable 102BA. You have knowingly transferred, a felony punishable with up to 2 years of imprisonment, in addition to civil liability up to {$1000.00} per violation. You are also in violation of 15 USC 1692g. My instructions are for you to delete these accounts immediately. 

XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Chargers of fee state insufficient funds, overdraft fees. On checking. 
Extra fee on credit card statements where they close account. 
Filling negative on my three credit bureau
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I filed a dispute with Transunion in reference to 2 derogatory items on my credit report with XXXX XXXX XXXX. There were 2 30 day late payments from XX/XX/XXXX that was a mixup. I had already written transunion letters XXXX XXXX XXXX  had given me to provide to transunion to have the info updated, but they refused to do so. That left me no choice but to file a formal dispute. I received a report on XX/XX/XXXX that the derogatory marks on my report have been updated and the items were removed. By XX/XX/XXXX, the derogetory items reappear on my credit report. I call transunion for an explanation and they don't have 1. They admit that the 30 day markers were removed and added again, but said it has nothing to do with them. They claim it is between me and my financial institution. I explained to them my financial institution agrees with me that the markers are an error. They told me my only option was to dispute the markers again. I asked why i would do the exact same thing that didn't work? I asked for a supervisor. His name was XXXX XXXX and he was no help at all. This company 's employees seem to have no other job than to get you off the phone. I now have no way to delete the derogatory marks that my bank has agreed to remove. Transunion claims no responsibility for the accuracy of their product. They blame everyone else.
Product: Debt collection

{$1400.00} on XX/XX/2018 I wrote the company a letter with no ask.
Product: Credit card or prepaid card

Capital One closed my credit account without notification. I recently updated my address and requested a new card. Never got the card. Was looking at my credit reporting on XX/XX/18 and saw that the account had been closed. Called Capital One to see what was going on, was advised a " business decision '' had been made an the line would not be reopened. Had I known that the account was to be closed I would have used the card to keep it active and open. Capital One should have notified me and didn't. I just want to line reopened without me have to reapply.
Product: Credit reporting or other personal consumer reports

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a XXXX  person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Product: Mortgage

On XXXX XXXX 2014 I asked for a GFE and they gave me Closing Costs Worksheet with Estimated Closing Costs of almost XXXX and an interest rate of XXXX for 180 months. After that, they sent me a letter dated XXXX XXXX 2014 with additional closing costs totaling XXXX. I then spoke to XXXX XXXX and XXXX XXXX and XXXX assured me of the XXXX if the appraisal comes in okay. XXXX also acknowledged that the property was a duplex. On XXXX XXXX 2014, the settlement statement ( HUD-1 ) showed XXXX due for closing costs that I rolled into my loan, which originally was XXXX less discounts ended up being XXXX. I ended up closing the loan due to the amount of time that had passed.