23daVinci/CFPB_Complaints huggingface dataset:
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  Account # : XXXX, Account Name : XXXX  Account # : XXXX, Account Name : XXXX Account # : XXXX, Account Name : XXXX OF XXXX Account # : XXXX, Account Name : XXXX XXXX Account # : XXXX, Account Name : XXXX Account # : XXXX, Account Name : XXXX XXXX Account # : XXXX, Account Name : XXXXXXXX XXXX Account # : XXXX, Account Name : XXXX XXXXXXXX Account # : XXXX, Account Name : XXXXXXXX XXXX Account # : XXXX, Account Name : XXXXXXXX XXXX  Account XXXX : XXXX, Account Name : XXXX XXXX Account # XXXX XXXX, Account Name : XXXX XXXX XXXX XXXX Account XXXX : XXXX, Account Name : XXXXXXXX XXXX Account # XXXX XXXX, Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  XXXX XXXX. ) Account # : XXXX, Account Name : XXXX XXXX Account # : XXXX, Account Name : XXXX Account # : XXXX, Account Name : XXXX Account # : XXXX, Account Name : XXXX Account # : 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 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 or other personal consumer reports

In accordance with the fair credit reporting act, this creditor ( Equifax, XXXX, XXXX et. al. ) has violated my rights under 15 USC 1681 section 602. Which states that I have the right to privacy. 15 USC 1681 section 604a section 2. States that a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666b states, a creditor may not treat a payment on a credit card account under an open end consumer plan as late for any purpose.
Product: Mortgage

My mortgage was sold and the payment increased and I was not notified of the changes. When I called the representative stated they did not have to tell me about the increase tha t I needed to go on the portal to view. I was not aware of the changes until I called to make your payment because I did not receive a billing statement. 

I advised several times that I did not use the portal and would like paper statements to no avail. In addition, I am a XXXX  and the payment change is causing a hardship as I can't afford the payment increase. No one has tried to assist or provide me with the available options.
Product: Mortgage

On XX/XX/XXXX, I applied for a refinance. I got approved. Got an appraiser to come and check on XX/XX/XXXX. This is the same appraiser that checked my home on XX/XX/XXXX that gave the same appraiser report. I wanted to refinance for a lower interest rate one year after purchase from Wells Fargo mortgage. They did have me approved for refinance. They hired the same appraiser. I found out XX/XX/XXXX that the appraiser refused to submit his report because there was no comparable homes. I live in a town of 170 people. Why did this appraiser submit report for my home purchase but not refinance. Then it took a while to look for another appraiser. Then they finally found one XX/XX/XXXX. The bank asked for another credit check again. I waited so long for refinance to come through. Wells Fargo did a horrible disservice to my application process. Because of covid 19 I allowed this appraiser into my home and now they want to use another appraiser to jeopardize my family health safety and pull another credit. I want to report Wells Fargo for not providing proper service.
Product: Credit card or prepaid card

I bought a vanillagift Visa Prepaid Debit Card from XXXX, XXXX XXXX on XXXX XXXX for {$100.00}. This was a gift for one of my friend. On XXXX XXXX, my friend told me that the card can't be used, as he couldn't locate any CVV number. He sent me pics of the card and he was right, the card didn't have any CVV number. 

I was able to locate th

e Card Authorization receipt that store gave me. I tried calling their number on c
ard, XXXX ( XXXX ) XXXX it was all automated voice and none of the options matched with my question - " how to use the card without CVV? '' I searched internet got another toll free number for vanillagift Visa Debit Card- it had different voice prompt, I waited for 10 mins to speak to a representative and then gave up
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX AND EQUIFAX ARE IN VIOLATION OF MY CONSUMER RIGHT BY REPORTING THIS FRAUDULENT ACCOUNT : XXXX XXXX XXXX  I XXXX ON MY CREDIT REPORT.
Product: Debt collection

Continually receive calls from Sequium declaring an attempt to collect debt. They wont say what the debt is for or give a name of the person they looking for.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXXXXXX XXXX Balance : {$16000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$4300.00} XXXX XXXX Balance : {$2700.00} XXXX XX/XX/XXXX
Product: Mortgage

Our complaint actually involves something slightly different than the categories available. We were advised to pick one and explain here what the actual complaint was.

We are in the process of adding a building to our property and had to have our property re surveyed. After doing so we were then required by our county to send the new plat to our mortgage company ( Shellpoint ) for their signature and then Shellpoint was to send it back to us to then be submitted to our county for finalization before we can build. 
We sent the plat to Shellpoint and required it be signed for upon receipt. A person named XXXX XXXX signed the receipt on XX/XX/2020. On XX/XX/2020we called and spoke to XXXX. She did not have any answer for us and said she would call back. Did not. We called back XX/XX/2020 spoke to XXXX about the same and she said would look into it and call back. Did not. On XX/XX/2020we called again spoke to XXXX XXXX she said she would look into it and call back. Did not. We explained our problem and asked for a supervisor and were told there were none. We were told that the place that might have our plat did not have any phones in that section so we could not call them directly. Many calls were made for the next two weeks leaving messages and no call backs. On XX/XX/2020 Reached XXXX XXXX, had a conversation with her which seems promising and she said she would call back. She did not. Called her direct number as given, we left a message at XXXX. Called her again at XXXX and left another message. No call back. On XX/XX/2020 we call XXXX XXXX again and left another message. No call back. 
We then called the main number on XX/XX/2020and spoke to XXXX and she said much the same that she would look into it and call back. On XX/XX/2020we actually got a call back from XXXX XXXX said she has the plat, she stated that she needed some forms filled out and sent back before she could proceed. We filled out forms and promptly sent them back that day. We called XX/XX/2020 and left a message. No return call. On XX/XX/2020we called XXXX XXXX and she stated that the plat was across the street and she would go over and get it and send it. She stated that she believed it was signed. She said it should be to us in a few days. It did not come. We called her on XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX and her voicemail box said each time it was full. So unable to reach her. Again on XX/XX/2020called main number and left our number for call back. Called again at XXXX and XXXX and spoke to XXXX. She said she would call back and never did. 
We tried everything that we can to communicate with this company to no avail. We even called and emailed the CEO XXXX XXXX and no response. We are exhausted and desperate at this point. This company is holding our legal document hostage and we are unable to move forward until we receive it back, signed by them. We have had to apply and pay for an extension on a building permit due to this delay. We implore you to help us with this issue we are having with Shellpoint.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : XXXX and Experian According to the fair credit reporting act, any data being report ed to my credit file must be fair, accurate, and complete. Also the accounts being collected must be validated. 

I have complained and filed disputes for these in the past for months and all the credit bureaus have lied and not conducted investigations or you will read the documentoon that this creditor sent to me that showed that did have any validation documentation prior to XX/XX/2022. They lied to you and you lied to me because you did no investigation XXXX you havent read the disputes and the supporting documents or you would have already taken action against these criminals. And the documentation they did provide from the XXXX letter is a HIPPA violation and is null and void and none of you are suppose to see a federal protected document like that even if it were legit but they made it up themselves almost 5 years too late! 

Secondly, the status is different on each other - look at the attachment from XXXX and Experian- the status if it is a collection thats all You can list - one word - you cant list collection twice in two separate entries you idiots! collections is a status, medical debt is the type of collection this is. 

You better fix it or deleted it because youre gon na be answering to it in a deposition soon so quit breaking the law and fix it!
Product: Mortgage

My name is XXXX XXXX. It has been more than a month since I talked to XXXX XXXX in a recorded line to process a loan modification.with Wells Fargo Bank. The last XXXX pieces of documents needed were a letter of employment in Georgia and a statement describing the status of the house in XX/XX/XXXX. Last week, I have submitted all the requested documents for the modification. On XXXX XXXX, I received a phone call from Wells Fargo Home Preservation Team requesting a new set of documents because XXXX XXXX, my contact person had moved to another department. XXXX XXXX, the person who initiated the call told me that I needed to send new documents to XXXX XXXX, my new contact person. The previous documents are no longer available. I could nod believe it. This is not the first time that I have submitted documents after documents with no modification. I was told that my house is not on sale, but XXXX confirmed that the house will be sold on XX/XX/XXXX. The fact that the documents are in the process, and there should not be a sale. My frustration with everything is there is nobody in charge. .I have been trying for so long to work with this bank with no result. This is a policy that big banks, like Wells Fargo have been implemented to deprive minorities of home ownership. They have succeeded because there is no oversight or check and balance..
Product: Credit reporting, credit repair services, or other personal consumer reports

Never sent me validation that I owe this debt. Only a copy of lease and keeps reporting it as negative on my credit reports.
Product: Debt collection

In response to complaint # XXXX Debt Collection Law Firm Hunt & Henriques I have enclosed copies of a judgement defendant XXXX that this law states it belongs to me. I have no contractual agreement with Hunt & Henriques nor XXXX. Hunt & Henriques must permanently cease and desist. I have also fied a complaint inquiry with the Attorney General office state of California. I have also filed a formal complaint with the Federal Trade Commission for violating the FDCPA. A formal investigation should be conducted by your agency against this Hunt & Hemriques. Thank you for your cooperation.
Product: Mortgage

We applied for a forbearance at time of covid. And in XX/XX/XXXX there was a loan modification made. But on XX/XX/XXXX due to unpaid maternity leave, we applied for forbearance. We asked XXXX  months. We were granted 1 month. When we asked why several times, no one at any time advised or informed us that we were allowed ONLY XXXX MONTHS OF FORBEARANCE FOR THE LIFE OF THE LOAN. 

We were even told last week after several times asking why was it only XXXX month and not XXXX months that they could only XXXX XXXX months at a time and we should reapply afterwards. Yet only XXXX month was approved. But never we were properly informed of such crucial information for a XXXX year loan. 

So today after speaking with XXXX, he said the reason why we got only XXXX month instead of the XXXX months requested is because we were up to the XXXX months. To our surprise we objected saying we were never informed of such important notice even when asking and making request for forbearance in the past, nor the last time till now. We are feeling defrauded by Quicken Loan, whose team have repeatedly mislead us to believe XXXX thing but came up with another since the time of having them XXXX  years ago. We have been several times mislead but this time was the too much to handle! 
We are making a formal complaint to have this revised, reviewed and revisited.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file.
Product: Credit card or prepaid card

Bank of America after reviewing my credit report I have came across some serious and unlawful issues with your bank on false credit reporting! I found that your company has been re-aging old debt for quite sometimes and this is ILLEGAL ON YOUR BEHALF!! I asked you to review experience credit report and look at the XXXX. Has been forge and re-aged it is showing XX/XX/XXXX of XXXX. We both know that is not correct! So I will need for your office to explain in great length as to how the XXXX got change from the year XXXX to XX/XX/XXXX? This is Illegal credit reporting you can not change a XXXX is when the account first came delinquent! This is a very serious allegation Bank of America and Ive noticed XXXX XXXX XXXX had already removed your account from my credit reports but you seem to want to hold on to keeping it on XXXX I guess for retaliation and payback but you can not do this this is illegal again false credit reporting in Bank of America I urge you to review the uploaded documents from your own company when you stated when the account closed and transferred. There is no way XX/XX/XXXX is when the account first came delinquent this is negligent and willful on your behalf I urge you to remove this trade line and its entirety from the XXXX credit report due to false credit reporting is FCRA violations and explain to me why did you thought that that was OK to re-age this account each year and I thank you and look forward to your response! 

XXXX  XXXX
Product: Credit card

On XX/XX/year>, I had a credit card charge of XXXXXXXX XXXX in XXXX on my Chase XXXX XXXX credit card. The credit card exchange rate was significantly overstated. They charged be an exchange rate of XXXX for XXXX  to USD. The most recent rates over the last month were XXXX to XXXX. I called to challenge the charge and spoke to a supervisor named XXXX. He provided no help other than say that was the rate used in their system. He did look up the current rate and agreed it was around the XXXX rate. 

My XXXX charge was XXXX, using Chase exchange rate it came to {$XXXX}, it should have been {$XXXX}, an over charge of {$XXXX}. Chase Bank will not take any further action.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this over45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes.

Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second dispute it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for an account with the following : 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

I XXXX XXXX wrote Experian on XX/XX/2022 informing them that they were in direct violation of 15 USC 1681b ( a ) ( 2 ). Which states that a consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer. I the consumer never gave Experian any written consent to report anything on my consumer report. No consent is identity theft. Below I will list 19 accounts that are listed on my Experian consumer report that I did not provide written consent for them to furnish on my consumer report. I demand for Experian to remove these accounts from my consumer report but yet they are still listed. I demand that Experian remove these inaccuracies from my consumer report. If they are not removed I will not extend my credit to anyone or allow Experian to furnish a report for me. I would like to state that pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is dependent upon fair and accurate consumer reports. By Experian allowing these inaccuracies to be furnished on my consumer report it has caused me to lose confidence in the banking system. If Experian wants to continue doing business with me. They should delete these inaccurate accounts from my consumer report. DEPT OF EDXXXX, DEPT OF EDXXXX, DEPT OF EDXXXX, DEPT OF EDXXXX, DEPT OF EDXXXX, DEPT OF EDXXXX, DEPT OF EDXXXX, DEPT OF EDXXXX, DEPT OF EDXXXX, DEPT OF EDXXXX, DEPT OF ED/XXXX, DEPT OF EDXXXX, DEPT OF ED/XXXX, DEPT OF EDXXXX, DEPT OF EDXXXX, DEPT OF EDXXXX, DEPT OF EDXXXX.
Product: Checking or savings account

I 've been waiting days for the bank to update me about a transaction for funds that were never despensed out of a ATM. All they can say is that they have no estimated time frame for the issue to be fixed. Nor do they have any updates. Sounds like they do n't know what they 're doing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having issues with my membership account which is necessary to have before I can purchase reports and scores and check to see if my minor has a credit report on file. However It appears no matter which phone number listed I call, there is never an option to speak with customer service, the entire service is automated and can not resolve the issue on hand. 

Number Called XXXX, XXXX, XXXX, XXXX, All these number when answered with the exact same automatic services, at no time there was any option to speak with a real customer services.
Product: Debt collection

Despite my prior report to your organization, the account remains unresolved and continues to impact my credit standing. This is a matter of great urgency, and I need your immediate attention to resolve this issue. I reported the fraudulent account to both the Federal Trade Commission ( FTC ) and the XXXX XXXX Police Department on XX/XX/XXXX, to address this case of identity theft. The account details are : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00}. Despite providing the reports to both agencies, the fraudulent account continues to affect my credit standing. Under the Fair Credit Reporting Act ( FCRA ), I insist on the immediate removal of this item from my credit report.
Product: Credit reporting or other personal consumer reports

Inaccurate reporting, the account attached is in litigation. Under the doctrine of Estoppel by silence, ENGELHARDT v. GRAVENS ( MO ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt in fact exists. Also, see attachments.
Product: Money transfer, virtual currency, or money service

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 A have caused significant inconvenience and financial loss, and I seek appropriate redress 3