23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Original loan were sold to now current Newrez Mortgage and now XXXX XXXX XXXX. Insurance were place in escrow on XX/XX/XXXX because they sold the loan. Auto payment is active on my setting, additional fees were added etc. While home insurance is still covered. I called many times to request escrow to remove and have not completed this process. I provided insurance many times with emails and still having to pay for my XX/XX/XXXX mortgage payment with {$300.00} escrow. Lender are withholding escrow fund and have not refunded yet. I called again today XX/XX/XXXX, lender needed up to 30 days to reevaluate loan. I reported this to the lender many months and giving the runaround. Please help
Product: Money transfer, virtual currency, or money service

I had a recent transaction that I did not authorize through my account. I received a notification asking if I am making the transaction, and I replied no. Since I responded no, PayPal had opened a case for me. I also had my bank block the transaction from going through, and now there is a negative balance on my account. Why was the transaction not stopped immediately I said it was not me sending the money? 

I received a case update saying that based on PayPal 's review, they found the transaction is consistent with my PayPal history. I have never sent thousands of dollars before. I do not know who the person was in my PayPal and managed to send themselves under friends and family transaction. I would like the negative balance of {$5000.00} to be removed from my account as I did not make this transaction. I requested to see the open fraud case that was opened XX/XX/year>, and did not receive it.
Product: Credit card

Goldman Sachs employees continue to perpetrate serious federal felonies by perjuring themselves before the Bureau, saying I ever made an untimely payment on my credit card. This casual and dismissive and false response is XXXX and unacceptable. Goldman Sachs employees need to be criminally investigated under the federal obstruction of justice laws for lying to bank regulators.
Product: Credit reporting or other personal consumer reports

XX/XX/year> I have frozen my Experian file. These two credit inquiries were made without my authorization. This is the reason I am going to keep my report frozen because I often dont apply for credit I like to space them out. But these two inquiries on my Experian report is illegal and needs to be removed asap. I will keep my account frozen until further notice. Please remove these illegal inquires off my credit report.

Under USC Sec 15 1681b,1682,1683,1684, 1028 FCRA and credit reporiting requirements these ILLEGAL inquiries needs to be removed asap as these ILLEGAL inquiries are hindering my process in securing a home as well. I am sitting at XXXX Experian fico score XXXX and I worked to hard to get here to let someone illegally try to obtain fraudualent accounts that were never authorized by me. 

Sincerely, XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have always paid my account on time every month thru the website and portal that the company provides and i always received notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX  XXXX Balance : {$580.00} ; XXXX  XXXX XXXX Balance : {$660.00} ; XXXX XXXX : {$910.00} ; XXXX XXXX Balance : {$710.00} ; XXXX XXXX ; XXXX XXXX XX/XX/2021 ; XXXX XXXX XXXX XXXX XX/XX/2021 ; XXXX  XXXX XXXX XX/XX/2021.
Product: Payday loan, title loan, or personal loan

OneMain Financial said I was approved for a personal loan of up to {$6800.00}. Not " pre-approved '' nor " tentatively approved '', but " approved ''! Then they did not honor their promise. This kind of deceptive business practice must stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 This is the 3rd time I have complained about this issue, I have filed my complaint in XX/XX/2020 I never received any response back or any of the requested legal documentation. Please be advised that I and filing a complaint with both CFPB AND FTC. THIS WHOLE ISSUE IS STOPPING ME FROM CLOSING ON MY NEW HOME! 
The account listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. IT IS WELL BEYONG THE 30-60 DAYS! After further investigation, the account was paid in full and the charge off listing is reporting inaccurately.

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A  ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately.

The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand  the following accounts be verified or deleted immediately : XXXX XXXX XXXX XXXX # XXXX XXXX/XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX All other addresses are not accurate. 
Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX I have SS numbers showing on my file that do not belong to me XXXX, XXXX PLEASE DELETE NOW! 
My employer is Self Employed My name is XXXX XXXX XXXX XXXX please delete any and all other variations of my name they are not accurate!! 

This is my only number XXXX All other telephone numbers are not accurate.
Product: Checking or savings account

The below complaint was marked as duplicate to avoid addressing it.. Complaint was filed as per advice from my attorney..Please see below.. As explained in numerous prior CFPB complaints, a close out check was intercepted by a third party while I was away on vacation, the amount of check, {$4200.00}, is remaining balance in account ending in XXXX, now closed by Capital One security intake team. A prior check for same amount had a stop payment placed on it prematurely by a rep with Capital One, sent on XX/XX/2018, received and deposited on XX/XX/XXXX. I left for vacation the morning of XX/XX/2018 at XXXX XXXX, second check which was intercepted was sent via XXXX 2nd day, an email was received from XXXX showing a package sent from Capital One while I was away. I was in XXXX XXXX from XX/XX/2018 to XX/XX/2018. When I arrived home, the package was nowhere to be found, I later learned check was intercepted by third party, a XXXX XXXX whom does not live here currently. She is an ex-wife of a cousin whom lived here prior to me moving in, she did not have consent to sign my name and cash check. She was in the area visiting a neighbor in another apartment and intercepted package. I have not received funds. As per advice from my attorney representing me in legal matter pertaining to Capital One data breach, I was told to advise CFPB and OCC she did not have consent to sign my name to check. Furthermore, according to my attorney, I am still owed the funds as again, consent was not given to sign my name to check. I learned of her signing my name by a manager by the name of XXXX with Capital One leadership team, he informed me check was signed and cashed by this person at a XXXX XXXX XXXX  which I do not have an account. Capital One rep by the name of XXXX XXXX has attempted and failed implying the person, XXXX XXXX, is my mother and lives here. She is not my mother and does not live here. Further, it appears she also attempted to imply I somehow received funds, which I have not. This account, ending in XXXX, was opened as a result of data breach as well as two credit accounts. There is disagreement with a Capital One rep by the name of XXXX as to this fact. However, my attorney agrees as well as several others investigating data breach. I have attached copies of checks issued by Capital One, three in total. Signature is different on one which was intercepted, the other two are signed by myself, Capital One seems to ignore this fact, will not examine signatures. I request Capital One reissue check for funds owed, as per advice from my attorney. Complaints marked as duplicate when they are not will be resubmitted to CFPB
Product: Credit reporting, credit repair services, or other personal consumer reports

Chrysler Capital is in violation of my credit reporting. I have two leases with Chrysler Capital, one for a XXXX XXXX Account # XXXX and the second is for a XXXX XXXX Pick Up Account # XXXX. 
I have been in contact with Chrysler Capital many times over the past few months relating to my accounts. I have paid my accounts though XXXX XXXX and online. In particular my XXXX and XXXX payments including other payments not registering leaving my accounts to appear incorrect. In a recorded conversation in XXXX I was informed that my payments had been returned to the bank therefor I was two months behind. I called my bank and it was shown in a bank statement that both XXXX and XXXX payments went through. In a recorded conversation I phoned Chrysler Capital back and informed them of such and after further research I was told that both payments had been transferred from the XXXX to the XXXX without my consent. To rectify in the most simplest manner I explained to Chrysler Capital to only move the XXXX payment back to the XXXX. I was told to check back in five business days to confirm all was done. In the meantime within the five days I received a notice to repossess my vehicle for non payment. In a recorded conversation on XX/XX/2019 I was told that there never was a transfer and to disregard the notice to repossess a they were going to audit both accounts to see what the final payment is on the XXXX and where I am at with the XXXX because there was imminence confusion verbally and in the account. 
On XX/XX/2019 the very next day I received a notification that my credit score had gone down 67 points!!! When I inquired with XXXX XXXX it was the reporting of the XXXX account by Chrysler Capital. It would have been paid in full had the correct amount been posted however I could not get a verified answer in any of my phone calls. 

After logging in today I see that the accounts STILL HAVE NOT been corrected and I have no choice but to file with CFPB including my local State Senator to take action. The result of Chrysler Capitals incompatibility has place m at jeopardy fr loosing my job, not able to take out a college loan for my son reflecting the tremendous amount of points that my score has gone down ( 67 ). 

We are a family of XXXX with XXXX young boys and need our jobs for health benefits as well as surviving basic needs. The vehicle has since been returned to the dealer and Chrysler 's rush to damage my credit report before offering me the ability in a timely manner to bring this account current was a poor business decision and in violation of my rights. I have been contacting Chrysler to make every attempt to clear matters up and still have not received an appropriate outcome.
Product: Debt collection

An outstanding bill from XXXX XXXX was sent to me in early XXXX - I was under the impression that XXXX had paid it. My employer intervened with XXXX to pay the bill, on my behalf to the XXXX clinic. The collections company is still trying to collect, although the bill was paid. In addition the collections agency hung up on my call, and was not reasonable during the call. 

ACEI is the debt collections agency
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I informed Experian that they were in violation of the FCRA by not reporting my address properly on my credit report. According to the FCRA a consumer credit report means any written or oral report issued by a credit reporting agency. I called Experian to notify them of their mistake and the representative told me that I have to spend my money to mail them my ID & information instead me giving them my info orally if I wanted my address corrected case # XXXX. Experian deleted my address without my permission and accused me of doing so. Experian also told me that I would not generate a credit score without a primary address prohibiting me from purchasing a home according to my realtor.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Subject : Urgent Removal of Inaccurate Debt from Credit Report Pursuant to Applicable Laws Dear Sir/Madam, I am writing to dispute an erroneous debt that has been reported on my credit file, which I believe is in violation of relevant laws and regulations. After a careful review of my credit report, I have identified a debt that does not belong to me, and I kindly request your immediate action to rectify this inaccurate information by removing it from my credit report. 

I would like to bring your attention to the following details regarding the incorrect debt : Creditor : XXXX XXXX XXXX XXXX Account Number : XXXX Amount : {$5500.00} Date of Inclusion : XX/XX/2022 Please also remove all unrelated Address 's and Phone # 's other than the heading. 

As per my understanding of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is inaccurate, outdated, or does not belong to me. Furthermore, the FCRA requires credit reporting agencies to conduct a reasonable investigation within 30 days of receiving a dispute notice and remove any inaccuracies promptly.

Therefore, I request the following actions from your end : Conduct a thorough investigation into the disputed debt and verify its accuracy. 
Provide proof of validation for the debt in question, including documentation that demonstrates its legitimacy and ownership. 
Notify me promptly of the results of your investigation within the legally mandated 30-day timeframe. 
If it is determined that the debt is invalid or inaccurately reported, remove it immediately from my credit report. 
Furnish me with an updated and corrected copy of my credit report reflecting the removal of the incorrect debt. 
Please note that the presence of this inaccurate debt on my credit report has adversely affected my creditworthiness, causing undue harm and potential financial repercussions. It is crucial that you take prompt action to address this matter and restore the accuracy of my credit report, in full compliance with applicable laws. 

Thank you for your immediate attention to this urgent matter. I expect a timely resolution and the removal of the inaccurate debt from my credit report, as mandated by the FDCPA and FCRA. Failure to comply with these legal obligations may result in legal action to protect my rights under these laws. 

I anticipate your cooperation and appreciate your swift action in resolving this dispute. 

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

I have submitted multiple complaints and examples of incorrect information for account XXXX XXXX, and it keeps coming back verified and updating improperly which is in violation of the FCRA the account shows charged off every month starting XX/XX/XXXX and continued through XX/XX/XXXX which is a violation of continuously updating a charged off account also its reporting multiple 60-day late payments in consecutive months XX/XX/XXXX and XX/XX/XXXX with no data following for the next 3 months. this inaccurate information falsely manipulates my credit worthiness and is hurting my ability to obtain credit Equifax has failed to investigate this account properly after I have repeatedly asked to be corrected this neglect once again violates my consumer rights, I am demanding a deletion of this account XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: 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. XXXX, XXXX and TransUnion are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 accounts below : XXXX XXXX Balance : {$29000.00} XXXX XXXX XXXXXXXX Balance : {$3000.00}
Product: Vehicle loan or lease

I was told the vehicle that I had technical problems that cause me an accident and which the vehicle should have been totaled. I was charged exorbitant an extremely high interest rates and taken advantage of as a XXXX XXXX  veteran who has had multiple XXXX XXXX  Chrysler Capital Santander I took total advantage of my situation and my lack of knowledge based on the multi-state class action lawsuit to which they repossessed my vehicle these things will pointed out in the class action lawsuit of lightning happen and my situation and they will not remove it from my credit report after contacting them disputing this with the Credit Agencies
Product: Credit reporting or other personal consumer reports

Did not give XXXX XXXX  XXXX  in XXXX XXXX  permission to do a hard inquiry on my credit because I declined the loan offer So there shouldnt have been an inquiry done
Product: Credit reporting or other personal consumer reports

I recently discovered that I have been a victim of identity theft. Unauthorized accounts have been opened in my name, and fraudulent transactions have been made without my knowledge or consent. Specifically : Date of Incident ( XXXX ) XXXX Details of Fraudulent Activity : credit card accounts for a total of {$2900.00} Company Involved : XXXX XXXX Taken : I have already [ filed a police report, contacted the companies involved, placed a fraud alert on my credit report ]. 
Impact : This has negatively affected my credit score and caused significant stress and inconvenience. 
I am requesting the CFPB to ensure that the companies involved address this matter appropriately, including closing fraudulent accounts, correcting any credit reporting errors, and improving their security measures to prevent future identity theft.
Product: Debt collection

Received a call from a woman named   XXXX   at D. Scott Carruthers Law claiming that I owe a debt. Could not verify any information. Stated that I owed a debt that I 've never had with   XXXX   XXXX  . I have never had any such debt.
Product: Mortgage

On XX/XX/XXXX I received a note ( dated XX/XX/XXXX ) from Ditech saying that my payment for XX/XX/XXXX which was due on on XX/XX/XXXX had not been received. On XX/XX/XXXX I received 2 voicemails from a collection agency as well ( however not sure if the 2 are related ). The issue here is that the payment for XX/XX/XXXX was made and debited from my account on XX/XX/XXXX. My regular payment is {$1900.00} and I always add an additional {$1000.00} to the payment just because Ditech is known for their unethical practices, hoping that the {$1000.00} would cover any additional fees that they keep adding from time to time. Ditech appears to have applied this payment of {$2900.00} made on XX/XX/XXXX to additional principal thus making it look like I had defaulted on my payment and giving Ditech a chance to apply a late fee to my account. My credit score is around XXXX, have made all my payments on time and have consistently paid more than what I owe to avoid this very situation.Request you to please help correct this error and more importantly investigate Ditech 's reporting and credit collection practices. Unlike most other businesses it is impossible for consumers to walk away from such shady businesses since these things are forced on us. Given a choice I'm sure none of us would want to do business with Ditech, nor did my mortgage originate with Ditech, this was just forced on me. Attached is a copy of my payment history and all the payments that I have made so far ( this includes that XX/XX/XXXX payment which was accounted incorrectly )
Product: Bank account or service

Bank of America, : I had a mortgage account of {$56000.00} established in XXXX. In the year XXXX I refinanced my mortgage with another bank in order to obtain some of my equity for medical reasons. During those XXXX years, I was late on paying my mortgage in XXXX instances : that was on XXXX XXXX. I paid a late fee to the bank the next time I paid my mortgage. I do not believe that XXXX episode need be labeled as a negative connotation. There service to me contained many withdraws negligently and without reason taken out of my account then " corrected '' and put back after my correcting the bank in their error.
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 process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. The CFPB will take steps to remove my personal information from this description, but someone may still be able to identify me. I consent to publishing this description after the CFPB has taken these steps.