23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Wednesday XX/XX/2020 {$16000.00} was frozen in my account because of suspicious activity I was asked to provide proof of identity and the letter from unemployment regarding the $ XXXX deposited on XX/XX/2020 so I sent them my up to date ID my social security number a selfie and the statement from unemployment confirming the deposit into that exact account. I called many times and keep getting it is being reviewed its not there decision its there XXXX XXXX  XXXX XXXX decision but when I called them they had no knowledge and they only provide BETTERMENT w their debit cards. I called Betterment again when I woke up this morning to an email saying my ID was expired which I sent my new ID from just moving to XXXX  and my old expired XXXX  ID just so they knew why I was receiving benefits from XXXX  I've been back n forth from XXXX  because I work up there 6 out of the 12 months a year spring n summer and now I explained to them I didn't have to send that ID MAYBE I shouldn't have but I did but my current ID is valid and finally the accepted all my documents but still keep acting like they can't unlock my account its under review but won't let me talk to who is reviewing it or give me any of my money. I know they might not have been affected by the Pandemic but I have and I need my money please. OK I took a break for a minute just now to read an email from betterment and they are telling me they are communicating w XXXX  about my ID that XXXX  didn't initiate at all and does know about my temporary address in XXXX  but that's not the banks place to give confidential information like they are cops trying to investigate fraud. Now if XXXX  asked about it than maybe but normally it'd take a court order to divulge a customer 's personal info. But that's my opinion.
Product: Mortgage

On  XX/XX/XXXX  i received an email from "  XXXX  '' saying the were now going to be my mortgage payment provider. Which i was shocked to read, to be honest i thought it might be a scam.     Then it turned out to be real. I logged onto  CitiMortgage 's  website to make my next payment and low and behold i have a {$0.00} balance on my loan amount.     I was shocked since i had not received any notification from  CitiMortgage th at this was going to occur or was given any opportunity in advance to refuse the transfer of services.     I  called CitiMortgage  on  XX/XX/XXXX  in an effort to get this corrected and continue to use them as my provider. They said there was nothing that they could do since the loan was already transferred. I asked to speak to a  " manager  '' and so they transferred me, to which did nothing. This is awful, the sad thing is they provided great service since i have been doing business with them since  XXXX . All i want to do is continue to work with them and not some cut rate shoddy company as they have " sold '' my loan.     I told them that i would file a complaint, which is what is being done now.     I did not give any consent for them to transfer my account to a different provider, nor did i receive any notification that this would occur.     I was told by  CitiMortgage t hat a " letter '' was sent, but i never received it. I asked if they had a signature for the receipt of the letter, and of course they did not. Apparently it was sent " general '' mail, so who knows where it ended up. Something this important should be handled with at the very least certified mail, but even better would have been a service like    XXXX    or  XXXX  that requires signatures and proof of delivery.     This new provider does not have the same options and benefits that  CitiMortgage  provided in the past, which is why i would not like to switch or do business with the new provider.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has incorrectly listed that I have late payments on my credit report however, I have never had a late payment on any credit accounts. These accounts were also included in a bankruptcy that was discharged. 
I have filed a dispute with Experian multiple times ( in XX/XX/XXXX and prior ), and they said that they agreed and that I should not have any late payments on my account, yet when I am checking my report in XXXX of XXXX, the late payments still show on my Experian credit report as key factors influencing my score. This is causing me to be unfairly treated when applying for any credit lines that use Experian, receiving rates that are higher than I should receive, as well as being declined for lines of credit, and I have experienced significant financial damages because of this. XXXX, and XXXX do not show this discrepancy, however Experian continues to leave the issue unresolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to these companies numerous times about the inaccuracies on my report about an XXXX  credit card ACCOUNT # XXXXThey have continued to report my credit report as accurate when it is in fact inaccurate.They have yet to delete this false information. I would just like for this account to be deleted I didnt give permission to have these accounts furnished to my report. Below is inaccuracies circled that are reported from each credit bureau XXXX XXXX and Equifax
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXXXXXX XXXX, XXXX XXXX {$470.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$380.00} XX/XX/XXXX ( Original Creditor : XXXX XXXX ) XXXX {$2100.00} XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with LVNV FUNDING LLC, XXXX, and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, LVNV FUNDING LLC, XXXX, and XXXX with no successful resolution. There was definitely an error on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Barclays Bank Delaware XXXX XXXX All these were the dates that my credit was ran at these stores. I got in contact with all of them because I was a victim of identity theft and explained the situation to them and nothing was done
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX a vehicle that was financed through Honda Financial Services was in an accident that caused some damage and later considered " Totaled ' from the adjustors perspective. During this time I worked with Honda Financial numerous times to understand how to either pay for damages or value of vehicle to repair and use or attain funds to get another form of transportation. At this time I called Honda Financial Services to discuss delaying payment options until I could formulate an action with the insurance company to cover the remaining amount owed. From this Honda Financial Services refused to work with me and on XX/XX/2022 impacted my credit score by XXXX points. 

VIN # XXXX ACCOUNT # XXXX Attached is the vehicle and account to reference but I would like this credit impact to be removed and for the bank to work with me while I attain funds from the insurance company to cover the remaining amount owed. 

Honda Financial Services ( XXXX ) XXXX or ( XXXX ) XXXX is contact numbers. 

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

I tried sent letters starting XX/XX/21 regarding collection accounts that were put on my account. I have no record of such collection nor I was in the hospital or doc in the past year. 
XXXX XXXX  XXXX  XXXX XXXX  XXXX  XXXX XXXX I also have disputed several inquiries that I did not authorize and the bureau are still reporting.XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX
Product: Debt collection

TriVerity, has reached out to me unauthorized regarding a debt that is not mine.
Product: Money transfer, virtual currency, or money service

A XXXX lady called XXXX XXXX with phone number XXXX and a man called XXXX with phone number XXXX were teaching me how to trade on a cryptocurrency platform called XXXX with phone number XXXX. 
I traveled to XXXX on XX/XX/XXXX where I lost my phone which had the chase bank and XXXX app on it. 5 unauthorized transactions were done within a week from XX/XX/XXXX to XXXX from my chase checking account to my XXXX cryptocurrency account which turned out to be a scam account. 
I contacted XXXX  XXXX  XXXX  XXXX customer service and asked them to return my money, they said that they are just a cryptocurrency exchange platform and the money has been transferred to XXXX. XXXX customer service refused to release my money and said that I have to pay taxes with the amount of {$53000.00} in order to release my money and threatened me that they will expose my photo at my workplace and make me pay a fine of 5 % for every day that I dont pay my taxes to them. 
I have filed a police report with XXXX Police department with XXXX XXXX, report # XXXX dated XX/XX/2022. He said he will also reach out to the FBI as the amount of funds lost is more than {$50.00} XXXX. 
The total amount of funds sent from my chase checking account ( including {$38000.00} advanced cash payment from XXXX credit cards ) to XXXX through XXXX XXXX XXXX XXXX is {$66000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called M & T bank where I have my loan for my vehicle through they were to set payments back when covid-19 hit for some reason in XXXX of last year they are stating I was late on a payment or missed a payment which is not true I've been on the phone four or five times and still can not get this resolved if you look at my payment history it's excellent until covid-19 hit when I lost my job and that's when I had payments move to the back of the loan so I did not miss or was not late and was told I would have nothing like that on my record if I put these payments to the back of the loan but still can not get any where's with this company
Product: Credit reporting, credit repair services, or other personal consumer reports

I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT MY DISPUTES ON INQUIRIES I DID NOT AUTHORIZED, LATE PAYMENTS THAT ARE NOT TRUE AND ACCOUNTS THAT SAY CHARGE OFF THAT ARE NOT ACCURATE, AND ACCOUNTS THAT DONT THAT BELONG TO ME. ALSO WRONG EMPLOYERS TO BE DELETE, A LETTER OF EXPLANATION IS ENCLOSED.
Product: Mortgage

Both my spouse and I are having challenges with work during the COVID-19 stay at home order in Illinois. 
I reached out to the company that services my loan and was told that a deferred payment was not possible but they did allow not paying for three months but that it would effect our credit and would still be responsible for the missed payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax did not address my issue. 

Heres a timeline of events pertaining to my issue : XX/XX/XXXX - I filed a dispute pertaining to outdated information involving XXXX-XXXX  XXXX  being on my Equifax credit report due to my first delinquency date being on XX/XX/XXXX. The dispute confirmation was # XXXX. 

XX/XX/XXXX - Equifax issued their dispute results and stated We verified that this item belongs to you ... Additional information has been provided from the original source regarding this item. 

My issue is that Equifax did not conduct a reasonable investigation of fairness and accuracy in accordance with the Fair Credit Reporting Act ( FCRA ). Neither can Equifax produce to this CFPB complaint any documents from XXXX XXXX, the original source that my first delinquency date was not XX/XX/XXXX. 

To allow Equifax to continue with another investigation as a method of delay goes directly against FCRAs fairness and accuracy. 

I am now requesting for CFPB to do the following : 1. Request for Equifax to produce the additional information as stated in their dispute results on XX/XX/XXXX that was provided by the original source in a tangible form ( i.e. documents ). 

2. Fully investigate the facts in this complaint to see if Equifax has a pattern of violating FCRA in other CFPB complaints filed against them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Credit Bureau, has violated the The Fair Credit Reporting Act ( FCRA ). On multiple occasions. As well breached trust. I have reported multiple times and disputed errors. Starting XX/XX/2023, when they rereported an old account and deducted another XXXX points, than shortly after deducted another XXXX points for an account having a XXXX balance. On XX/XX/2023 and XX/XX/2023 they deducted an additional XXXX points than XXXX points on an account they reported closed. Which was not closed. Attached are bank statements to prove their inaccuracies and incompetence. Than on XXXX XXXX 2023 they deducted XXXX points with no explanation. There has been no activity, no new accounts, no delinquency since XXXX, 2023 when i began to realize credit score decline. Yet they continued to show inaccurate information. I disputed each error, they refused to correct. When I called they stated they had no supporting documents or reason as to why XXXX points where deducted in the recent two months. They refused to provide report, refused to provide credit inquiry and itemized deduction. I have no collections, no debt. They have failed to provide documents to explain. They admitted to not seeing anything to show why my credit was decreasing. I have reported them to the FTC as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with WELLS FARGO, XXXX, and XXXX XXXX XXXXXXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, WELLS FARGO, XXXX, and XXXX XXXX XXXX with no successful resolution. There was definitely an error on their part.
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 practice, 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 the appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I ordered a copy of my Experian credit report. After noticing many inaccuracies, I wrote the company via first class mail and provided a valid copy of my Nevada identification with my complete mailing address as well as a current utility bill that beared the same address disputing ALL the inaccurate reported addresses. 

My credit report was reporting 59 addresses! I could not verify where these addresses came from and disputed them as inaccurate, outdated, unknown, not mine etc. I received a so-called updated report some time later and my report was STILL showing inaccurate addresses. I sent a follow up letter via first class mail on XX/XX/XXXX again explaining that I was NOT associated with the addresses that were reporting. Again I provided a current copy of my NV identification as well as a current utility bill. I cant understand how a person can live at 59 places at once. I have provided the necessary paperwork to verify my identity and I received a report as of XX/XX/XXXX with the same inaccurate information. 

I am not associated with any of the addresses other than the one I provided proof for.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax 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, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C S {$5500.00} ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

I am submitting the following accounts that are marked as inaccurate : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Checking or savings account

My account has not balancing in lines with my bank Citibank. I can make a deposit of XXXX and the next morning the bank has my balance at XXXX. I called and tried to sort it out but I was not able to. Citibank is also changing the order of transaction to charge a nsf fund dee. Fir examples I cam have {$500.00} in my account and make a payment for {$130.00} to someone I am requesting an audit of my account. The money I have deposited does not add up to transaction processed.
Product: Mortgage

I filed for a loan modification XX/XX/XXXX and was denied. They gave me the runaround with my pay stubs asking if federal taxes was being taking out. They kept rejecting the stubs along with my XXXX taxes that I had gotten from the IRS. Then finally I was denied because they said they could not work out a plan because I owed to much. I applied for the Maryland Home Fund program and was preliminary approved for {$60000.00}. At the time XXXX would have brought my account current and my loan would have been reinstated. However, I was denied back in XX/XX/XXXX because they could not come up with a reasonable payment plan. Maryland Home Fund put {$60000.00} on the table for negotiations and they still denied me. In the denial letter Maryland Home Fund stated that the mortgage company said I am eligible to apply for a modification. They first denied me with no money on the table and then denied me with {$60000.00} on the table. I clearly have the income now since XXXX to stay current. Now the interest rates are about 7 %. They dragged it out and my current interest rate is 4 %. I'd like to know why they would not except the XXXX to modify me but tell me I'm eligible now. They have me gather all this information as if they are just going through the motions just to deny me. When my bankruptcy plan go into effect on XX/XX/XXXX I will have to pay XXXX a month plus the mortgage which is {$1700.00}. That will be very hard. If my pay stubs and taxes that were issued through IRS because I could not locate them that they kept rejecting are good enough for the trustee and Bankruptcy court and the Maryland home fund program, why are they not good enough for the mortgage company. They just want the house now that the property values are up.
Product: Checking or savings account

A little over {$28000.00} in approved XXXX funds were used without my consent or knowledge. After opening multiple claims providing police reports, proof of address, and multiple written statements my claims continue to be denied. Each denial gives a different excuse none that make sense or provide evidence of why my claims are denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is for XXXX written dispute sent XXXX/XXXX/XXXX requesting removal of XXXX credit services based on this company knowingly submits false and inaccurate information to keep my credit in a negative rating which allows lenders to then charge higher APR as well. Proof was submitted to show that XXXX XXXX was the first to open account for collection of {$1500.00} with first date of delinquency as XXXX. The results from XXXX  stated account belongs to me but the my dispute asked for removal of this company based on dates and inaccurate information on my credit. Verbiage also on results state " Once an account has been opened, the account may appear on the credit file for 7 years or 10 years from the date reported. '' Based on this and proof XXXX should have removed XXXX from report but instead they allowed them to update status on my file and report as an open account with First date of delinquency as XXXX. XXXX is allowing XXXX to violate XXXX laws put in place to protect consumers from misinformation on reports being used against us in a false or negative way in order to collect a debt. This debt is no longer owed.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to formally request the removal of outdated and incorrect personal information from my credit file. Specifically, I am concerned about the inclusion of old addresses that are no longer valid or where I can no longer receive mail. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to ensure that all information in my credit report is accurate, up-to-date, and relevant to my current circumstances. 

The addresses in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXX XXXX XXXX XXXX Ga XXXX I Have Never Lived or Been Associated With XXXX XXXX XXXX XXXX Ga XXXX As a consumer, I understand that under the FCRA, I have the right to dispute inaccurate or outdated information on my credit report. The FCRA ( 15 U.S.C. 1681i ) requires that credit reporting agencies maintain the accuracy and completeness of consumer information.
Product: Credit reporting or other personal consumer reports

Im attaching an FTC report with 5 fraudulent accounts! Please remove block delete under FCRA 605B
Product: Checking or savings account

I was contacted via XXXX by a person calling themselves XXXX XXXX. The person offered me a writing job. After we both signed the contract, I received a check for {$9300.00} ( from XXXX XXXX  XXXX  ), which I deposited into my business checking account ( Bank of America ). We corresponded via email several times ( email address : XXXX ). Then he told me the job was canceled and I could keep 10 % of the original amount we agreed to ( {$3100.00} ) for my trouble. He then asked me to transfer the rest of the money back as a refund and sent me transfer information. I transferred {$9000.00} to another Bank of America account under the name of XXXX XXXX XXXX. I later noticed that the check was returned. 

I contacted Bank of America on XX/XX/XXXX and they are doing an investigation. On XX/XX/XXXX, I filed a police report with my local precinct ( XXXX XXXX, NC ), filed a report with the Internet Crime Division of the FBI, and the FTC.