23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

to whom this may concern i want to inform your office that you are in violation of fcra and fdcpa .you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of collection that are reporting has not been opened by me i have no knowledge of them, be advise by law i have the right to PRIVACY and you the credit reporting agencies have violated it..the list of accused collections accounts and dates FOLLOW AS : XXXX XXXX XXXX opened XXXX XXXX FOR {$450.00}, XXXX XXXX XXXX XXXX XXXX FOR {$460.00}, XXXX XXXX ON XXXX XXXX FOR {$620.00}, XXXX XXXX XXXX XXXX XXXX ON XXXX XXXX FOR {$1900.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ..BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELTED UNTIL FURTHER INVESTIGATION ... THE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX, TRANSUNION AND XXXX  ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA. under 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt
Product: Mortgage

After leaving my job due to an illness, I had a verifiable loss of income, I started receiving continuous ongoing Social Security which was lower my income. After several months trying to get the lender to work with me, I was offered loan modification, I was contact and rushed by Wells Fargo to submit my documents within two weeks. I was denied due to not enough income. 
I have not been offered any other options. I know through the FHA loan modification program my payment could be as low as XXXX, which is 31 % of my monthly inome.
Product: Mortgage

This complaints is a continuation of the previous filed complaints on Ocwen for the same property address XXXX XXXX XXXX XXXX FL XXXX ( loan # XXXX ). The attached letter datedXX/XX/XXXX from Ocwen states the loan was charged off XX/XX/XXXX. If this is fact, why did n't we receive a satisfaction of mortgage. The other problem with Ocwen is that XXXX credit report showing # 4 ( see attached ) which indicates we were 120 days late on paying this mortgage ( not true ).
Product: Student loan

My student loans were transferred/sold through several different places and I could n't find the company that had bought them. My credit file shows missed payments from XX/XX/XXXX through XX/XX/XXXX ( 11 missed payments ). Nelnet had my student loans at this point but I did not know who had my student loans. I called multiple places to try to find where my student loans where, but know one could tell me anything. I also moved from my original residence after completing college. I make my student loan payments monthly since learning that Nelnet had them. The missed payments were not my fault because I did not know where the student loans where.
Product: Credit card or prepaid card

I called XXXX for a car to pick me up at a particular address. The driver showed up at a different address and refused to appear at the proper address and XXXX  charged me for the ride. I called American Express about the fraudulent charge and after going through many representatives ( including, but not limited to, XXXX ( last name refused to be given but purportedly in the XXXX XXXX office under ID # XXXX ) and XXXX ( purportedly her supervisor who only gave a 5-digit extension that is purportedly his ID number for employment and other purposes ) but they were unwilling to handle the fraudulent charge as it had not cleared their system. I have properly reported the charge under federal law - their refusal to take the dispute is, individually and as a company, perpetuating the fraud. I have also informed the individuals who refused to take a proper complaint that I will be traveling and do not have the time to continually chase American Express to handle a properly filed claim and it is up to them to implement their own procedures to handle a claim, which both XXXX and XXXX refused to do.
Product: Money transfer, virtual currency, or money service

Block employed weak security protocols for my Cash App account and put me at risk for unauthorized transactions and access to my account. Once I contacted support there was nothing done which left me in a financial bind. Block is required by law to investigate and resolve disputes about unauthorized transactions, the companys investigations were woefully incomplete. According to the CFPB report Block directed users who had suffered financial losses as a result of fraud to ask their bank to attempt to reverse transactions, which Block would subsequently deny. Block also deployed a range of tactics to suppress Cash App users from seeking help, reducing its own costs.
Product: Credit reporting or other personal consumer reports

Logged into Equifax system using my email and password to review my credit report and there is a social that does not appear to belong to me as well as addresses, date of birth, employer info etc
Product: Money transfer, virtual currency, or money service

1. Robinhood Took more than a month to verify my identity. They accepted my bank wire. I was able to buy XXXX on XXXX once I initiated transfer XXXX to my XXXX wallet they canceled my account. 
Robinhood sent me email due to recent suspicious activity they are closing my account on XXXX. 
I asked explanation, they didn't provide any explanation or proof of suspicious activity and said it is bank policy. 

Similar situation happened with XXXX and XXXX banks.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is a companion to CFPB Complaint # : XXXX-XXXX.

Transunion continues to fictitiously " investigate '' by comparing data with the source who provided it. In fact, according to my report, they CLOSED my CFPB complaint on XX/XX/2020 but did NOT investigate as they claimed they would. 
They continue to update my credit report with " Account information disputed by consumer ( meets requirements of the FCRA ) '' when, in fact, their investigation does NOT satisfy the requirements of FCRA. They have NOT contacted anyone at the respective companies. They have NOT viewed any documentation that proves account ownership. As CFPB may be aware, any company can furnish data to Transunion. Provided the company meets the requirements to report data, they only need to submit the data in Metro-2 compliant format irrespective of its accuracy. 
Just because the data furnisher and Transunion have matching information, it does NOT mean it belongs to me or is factually correct. The investigation process is NOT accurate in e-Oscar ; I have demanded and demanded physical verification of account ownership ; instead, Transunion closes out these CFPB disputes quickly to save face, yet does not do anything to remedy the situation. The letter I am attaching to this complaint will be sent to relevant government organizations. I respectfully ask that the CFPB conduct an independent investigation into the dispute process utilized by Transunion as continuing to reduce my complaint to an e-Oscar code, sending it to the data furnisher and receiving a 'verified ' label in return is NOT a fair or equitable means of verifying account ownership. To date, they have NOT provided points of contact or documentation they viewed to make the determination that their continued reporting of the items attached meets FCRA standards.
Product: Credit reporting, credit repair services, or other personal consumer reports

I lost my debit card and had to use my checks until I received my new card. On XX/XX/2019 I was told that my check was declined by Certegy Payment Solutions, L.L.C. I called and requested information as to why. One week later I received a letter with reason number 4 risk factor which read as ( This transaction received a decline recommendation from Certegy because it did not meet the acceptance guidelines, which can vary by store and transaction. Factors may include a combination of : the check number, dollar amount, check-writing history, or other transaction details. Generally, these guidelines do not include your account balance because banks typically do not provide it to us. ) Since I didn't fall under any of these categories I called Certegy for more information and was told that the only other reason they think my check was declined was because I've never written a check before at this place, so they assumed it was fraud even though I provide them with my license. And that I would still be considered as a RISK FACTOR. I do not for the life of think that this is fair, and as humiliating as this was I couldn't help but think I am labeled risk factor because I am XXXX American. How can I get Certegy to remove this negativity from my file so that if were my debit card again and try to write a check it will be accepted / not declined?
Product: Mortgage

Refinanced condo about 5 years ago and they have change banks XXXX times and now with Nationstar. They are trying to force me to go with direct payment by mailing their bill to me late so they can charge me a late fee. I have contacted them by phone about this on XXXX different occasions and received it in a timely manner this month ( XXXX XXXX ) but they failed to remove late fees as agreed. Please try calling them at customer service XXXX and you will understand why I am sick of dealing with Nationstar! My credit rating is over XXXX!
Product: Credit card or prepaid card

Macy 's is not reporting my payments made on my Macy 's charge account DSNB/ Macy 's # XXXX accurately. Acronym AID is listed. Card ending in XXXX. No payments shown that I made online. 
I never requested a credit increase from XXXX, XXXX dollars to XXXX, XXXX dollars and my last payment on XX/XX/2020 at XXXX Macy 's in store of XXXX is not listed. 

A scam artist or relative that found out I have a Macy 's Account could be commiting Fraud on my Account. My balance should not be XXXX. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with an Equifax representative with a reference ID of XXXX XXXX on XX/XX/XXXX, at XXXX EST. 
The conversation was regarding a debt that has been paid on my account which Equifax refuses to remove as a collection from my report. Here are the last 4 digits of my social security number - XXXX.The creditor claims they shared the information with Equifax on XX/XX/XXXX. Equifax claims the creditor updated them in XXXX that the bill was still unpaid. Both entities continue to swear to these statements. The creditor is XXXX XXXX XXXX XXXX. Here is their link. XXXX XXXX XXXX The amount owed was is {$150.00}. I spoke at length to the creditor and they acknowledge the debt has been paid and was reported to Equifax on XX/XX/XXXX of this year with the following credit report number XXXX. I also filed a dispute with Equifax. My dispute confirmation number is XXXX I am purchasing a home. This should have been removed. Please help. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX XXXX XXXX and I am a victim of Identity Theft. Someone stole my personal information and opened the following fraudulent accounts in my name. I reported it to the credit bureaus and I was waiting for a full police report.. Once I received the response the credit bureaus had already closed out my dispute. I provided them with an ID Theft report also that I would like them to include. I ask the the following fraudulent accts. be removed from my credit file : XXXX XXXX # XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  # XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX, DE. # XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX # XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX OPENED : XX/XX/XXXX XXXX XXXX XXXX # XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX OPENED : XX/XX/XXXX THE FOLLOWING INQUIRIES WERE ALSO FRAUDULENTLY OPENED IN MY NAME : XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry :XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXXXXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX   Inquiry : XX/XX/XXXX XXXX XXXX  XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX   Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX Also the inquiries on my Police Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid my credit card on the app for peoples united bank, they charged Me a late fee and nonpayment on my credit card
Product: Mortgage

I am going through a refinance loan and have had the most horrible incident involving a 3rd party that one of the loan companies hired. 

XXXX, I went to RocketMortgage for the loan and all was ok, they arranged for a local appraiser service to come to my home for appraisal and that seemed to go fine. 

But in my shopping loan terms found someone else that could give me a better rate ( XXXX XXXX  ). So, I had XXXX transfer the information to XXXX XXXX  ( all was fine until ) The appraisal provided, contained multiple errors that needed correcting. 
I attempted to contact the Appraiser from the licensing information on the appraisal submitted. 
The contact email : XXXX keeps returning as undeliverable The phone number provided, when called, goes to generic VM When texting the number, it resulted in some XXXX, XXXX, and just plain XXXX  returned texts In my disbelief of the transmissions, I involved my new loan company to try to obtain what was required from the Assessor. 
My loan officer called the number and when she asked was this the number for the Assessment service, they responded yes. Was this the number for XXXX XXXX XXXX, they responded yes then hung up. 
We called back and it again went to VM with no return call If it werent for the texts I received ( attached ), I wouldnt mind much for the lack of service, but the texts to/from a business whose personnel were in my house, its downright scary. 

I am attaching the text conversation ( please understand this is not my language ), but need to share my concerns and pursue legal action as this has caused me precious time ( loss of a real estate deal ) and now I have let these kind of people in my home? And now am forced to pay $ XXXX to get another appraisal. 

What legal recourse do I have?
Product: Debt collection

I disputed an account I was unfamiliar with on my credit report. Today at XXXX I received a phone call. The agent failed to identify himself fully on the call, did not state what the call was about, did not provide the call recording or Mini Miranda statements, did not tell me the balance or original debt owner. I stated to him several time I didnt know what it was about. He didnt care and continue to collect. I attempted several time to understand what he was calling about exactly and he refused. He stated if it was fraud I would have to handle myself and hung up. 

This is a highly abusive tactic where I had no ability to resolve the situation. I find this call harassing.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigaie my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXXXXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXXXXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. The accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a XXXX XXXX XXXX closed account that has always been paid as agreed and the history reflects a 1x30 day late which is totally inaccurate. I have disputed this and it is still not resolved. This is inaccurate information that I want removed ASAP.
Product: Credit card

XXXX partnered with Citi to issue a branded credit card. One of the benefits of the card is priority boarding. After reading the fine print, I applied, was approved, I received and used the card in accordance with their rules. I am now taking a trip, and I do not have the priority boarding. They tell me I had to purchase the ticket with the branded Citi credit card. However, there is nothing I can see in their fine print saying that.
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 XXXX XXXX XXXX. 

Account name : XXXX XXXX XXXX XXXX XXXX  XXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX account name : XXXX XXXX XXXX XXXX XXXX account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX account name XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : 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: Debt collection

I have made attempts to remedy situation even did what I was told only to be threatened every other day. My payment is due until the XXXX. My payment is XXXX I only owe XXXX which isn't late or past due until after the sixth. Why am I being threatened or even called. Telling me it's in my best interests. I'm no longer past due so what interests are you referring to. They are leaving voice-mail saying my car is up for repo how? It's current you can take a car that's not even 30 days past due. I don't want to be called anymore all communications should be sent via mail.
Product: Prepaid card

A technical error allowed a charge to overdraft my prepaid gift card. That charge has been reversed and refunded, but American Express restricted my card and refuses to give me access to the funds that were returned to it. I included an attachment which breaks down all of the dates, transactions and attempts that I have made to resolve the issue with American Express. They promised me a resolution several times, only to tell me that there is " nothing that can be done '', when I follow up.
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 name XXXX : # XXXX, Account name : XXXX XXXX XXXX  XXXX, Account name : XXXX XXXX XXXX, Account name XXXX XXXX XXXX XXXX XXXX XXXX, Account name XXXX : # XXXX XXXX Account name XXXX XXXX XXXX XXXX XXXX, Account name XXXXXXXX XXXX XXXX XXXX XXXX  XXXX have violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : 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: Credit reporting

I am trying to get my free annual credit report but when asked the questions I am asked questions that do not apply to me. Questions that are asking about mortgage loans and car loans I have not applied for, bank accounts I have no knowledge of. I am worried that my credit is being affected by someone other than myself. I wish to know how I can review my credit report. Thank You.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX My complaint is in regard to XXXX XXXX and Trans Union. Dating back to XX/XX/XXXX I appointed A credit repair company known as XXXX XXXX XXXX to repair my credit, XXXX   automatically sent dispute letters. to me My job was to sign my name and then sent these dispute letters to Transunion, XXXX and XXXX.after I have been corresponding these dispute letters to all 3 agencies, However all 3 agencies have not been abiding by the law. In XX/XX/XXXX all 3 agencies responded and exclaimed that they could not identify who I was. This was not true because I enclosed copies of my drivers license, social security number, and a credit card bill. I hope you can contact all 3 companies and make them abide by the rules. if they need more info they should contact me at XXXX XXXX or XXXX instead of disposing of my letters with a redundant excuse. Your sincerely XXXX XXXX
Product: Credit reporting or other personal consumer reports

In my review of the credit report, I found some erroneous information. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), the three credit bureaus must verify this account. Reporting unverified information without evidence within the legal timeframe is prohibited. Kindly investigate and correct the errors for the account listed on my credit report : XXXX XXXX XXXXXXXX Balance : {$0.00}