23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting 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 XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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

Good morning, my name is XXXX XXXX. I am writing to address the issue of identity theft and fraudulent accounts still appearing on my credit report. Despite notifying EXPERIAN about these accounts, submitting copies of my police report, FTC identity theft report, proof of identification ( birth certificate, Social Security card, Ohio driver 's license, and a utility bill ), and even writing a letter about the identity theft, they have failed to block, delete, and remove the fraudulent accounts from my credit report. 

The following are the fraudulent accounts that are still being reported by XXXX, even after being notified to block, delete, and remove them due to identity theft : - Account Name : XXXX XXXX XXXXXXXX, Account # : XXXX, Amount : {$190.00} - Account Name : XXXX XXXX XXXX Account # : XXXX, Amount : {$6400.00} XXXX has already deleted these fraudulent accounts, and EXPERIAN needs to do the same immediately. I have attached a letter with all the necessary information to file a complaint with the XXXX XXXX XXXX. I urgently need these items to be removed and blocked from my credit report.

According to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft, a consumer reporting agency must block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later than 4 business days after receiving such information from the consumer.
Product: Credit reporting or other personal consumer reports

They have reported 27 overdue 60 day and greater, every month since last year. I have my credit report from last year which is completely different. The old report from last year shows XXXX reported monthly and payments were up to date consecutively for the year, XXXX. Since, I have had such issues with them accepted payoff etc, another complaint with XXXX, they have now changed my payment history from XXXX until now. They have " revised '' my payment history making my credit score drop over XXXX points. This is now making it very hard to apply for a new used car loan with the new credit score the have imposed. Also, they will not close my account. They are adding late fees to me to pay, all the while my car was reported to them as a Total Loss. They refused to give me the payoff, then waited since, XX/XX/XXXX ( date of loss ) to accept payment and complete payment information needed by XXXX XXXX. They are making me pay for the delay and their refusal to accept payments. Refuse to give me the reimbursement for XXXX insurance that I paid for at the beginning of my loan!
Product: Debt collection

I have received a threating letter from XXXX XXXX, Incorporated address XXXX XXXX XXXX XXXX XXXX, XXXX, SDXXXX. 
Phone number XXXX or XXXX file # XXXX Dated of letter received : XXXX XXXX, 2016 I believe this is an overt attempt to collect on credit card that was discharged off my credit report and should n't be sent to my attention at this point. As matter of fact this is an old debt from what the letter states. Its been resolved. I was a victim of identify theft and even though this is coming to me now its been discharged period. 

Current Creditor : Velocity Investments , LLC, Named person is XXXX XXXX, Operations Manager Original Creditor : XXXX XXXX, XXXX. 
Original account # XXXX This is nothing but extortion of an old debt which probably was sold to this organization. I want this issue resolved and closed out.
Product: Credit reporting

I was looking to move into a new apartment and I was denied. I discovered that I had an account in collections with Rent Recovery Solutions from XXXX XXXX apartments managed by XXXX. During the time I lived there my apartment was in deplorable conditions due to roof leaks and unfinished repairs from maintenance. After numerous request to maintenance and management about those issues I was completely ignored. I had no other alternative than to withhold rent payment and go to court. They filed suit because of this and I filed a countersuit due to the fact they refused and failed to repair the property. The results of trial were that I had to move by XXXX/XXXX/2015 and I did not have to pay any money to the property for rent, late fees, utilities, and court cost. I have provided this information to XXXX XXXX at Rent Recovery Solutions as well as copies of the court orders. After verification of receipt of papers, she stated that her client XXXX XXXX apartments refuses to remove the erroneous information and to will continue to report it to the credit bureau and advised that I file a dispute. This has caused a great damage while trying to secure a home for me and my family.
Product: Money transfer, virtual currency, or money service

A five day hard hold was placed on a {$65000.00} ACH transfer from another XXXX XXXX. The transfer was initiated on XX/XX/2023. CIT Bank received the funds on XX/XX/2023. The hold is in effect until XX/XX/2023. I contacted CIT Bank on XX/XX/2023 and informed them that Regulation CC states funds from ACH transfers must be available no later than two business days. They stated their policy says five days.
Product: Mortgage

In summary : On the morning of XX/XX/XXXX a foreclosed property located at XXXX XXXX XXXX, XXXX, N.Y. XXXX ( which is bank owned and represented by AltiSource Inc. a real estate management company located in XXXX, Georgia ), experienced a failure in water lines resulting in water damage to the basement of their property that also flowed into my property located at XXXX XXXX XXXX. My property is adjacent and connected to XXXX XXXX XXXX. As a result my property experienced damage to drywall, carpet and carpet pad and a health hazard was created. XXXX XXXX, Ombudsman with AltiSource Inc. has been provided with several time stamped videos and photos of evidence as well receipts for the new carpet and pad from XXXX 's to demonstrate the carpet was originally purchased XX/XX/XXXX. In addition AltiSource has been provided with estimates from establish corporations that specialize in remediation and re-construction which mentioned " Its very important we move on this project ASAP. Microbial Growth can begin within the first 72 hrs of a water loss. Negatively impacting the integrity of the structure and the indoor air quality of your residence ''. I have also encouraged XXXX XXXX with AltiSource Inc to speak directly to my independent witness who were present for the events that transpired XX/XX/XXXX and AltiSource Inc. has declined to do so thus far. Even though a known health hazard exists AltiSource has refused to provide me with the name of the Bank that owns the property or the Banks insurance carrier information and no resolution as of XX/XX/XXXX has been achieved thus far
Product: Credit reporting or other personal consumer reports

After inspecting my credit report, I noticed several mistakes. The three credit bureaus are required to validate these accounts per Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ).

Reporting unverified information without proof within the legal period is not allowed.

Please investigate and correct the following accounts listed on my credit report : XXXX XXXX XXXX  Balance : {$2900.00} XXXX XXXX XXXX Balance : {$3400.00}
Product: Debt collection

I am having two issues : 1 ) This company reported on my credit without sending me a written notification and allowing me a chance to dispute & validate the debt. This is highly illegal to report without notifying me in writing first. 

2 ) There is no debt owed to the original creditor, when I called them, they said I did not have any bill with them. 

This company refused to delete this when I called their office and they have violated numerous consumer protection laws.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent ACCOUNTS from my credit report. 
ACCOUNTS : 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 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 or other personal consumer reports

This is my second endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXX/XX/XXXX XXXX XXXX : {$1500.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXXXXXX Balance : {$920.00} XXXX XXXX XXXX XXXX Balance : {$860.00} XXXX XXXX XXXX XXXX Balance : {$690.00} XXXX & XXXX XXXX XXXX : {$270.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX Balance XXXX {$1500.00} XXXX XXXX XXXX Balance : {$0.00} XX/XX/XXXXXXXX Balance : {$3300.00} XXXX XX/XX/XXXXXXXX XXXX : {$920.00} XXXX XXXX XXXX XXXX Balance : {$860.00} XXXX XXXX XXXX XXXX Balance : {$690.00} XXXX & XXXX XXXX XXXX XXXX : {$270.00} XXXXXX/XX/XXXXXX/XX/XXXX XXXX, XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX : {$1500.00} XXXX XXXX XXXX Balance : {$0.00} XX/XX/XXXXXXXX Balance : {$3300.00} XXXXXX/XX/XXXXXXXX Balance : {$920.00} XXXX XXXX XXXX XXXX Balance : {$860.00} XXXXXX/XX/XXXX XXXX Balance : {$690.00} XXXX XXXX XXXX XXXX : {$270.00} XX/XX/XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX PER THE FAIR CREDIT REPORTING ACT Section 605A. [ 15 U.S.C. 1681c-1 ] to please place a security freeze on my information. I did not consent nor authorize XXXX XXXX XXXX - NCTUE or anyone employed by this company to the share my information to the public, specifically with data aggregators who are looking to collect information on my behalf. This is a major violation of my privacy rights and demand to have my entire credit file REMOVED from their data institution.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage company, XXXX XXXX XXXX, purchased XXXX XXXX. They transferred my mortgage to XXXX XXXX  which is now a subsidiary of XXXX. XXXX XXXX  is reporting my mortgage as being modified on the date the transfer was completed. My credit score dropped significantly as a result. My mortgage was NOT modified, it was transferred and I had zero control of that decision. 
I want XXXX XXXX  to remove the false report stating my loan was modified. 
Second, my XX/XX/2019 escrow payment was paid to XXXX and never transferred to XXXX XXXX.
Product: Checking or savings account

On XX/XX/XXXX, {$500.00} was withdrawn fraudulently from my account using XXXX to transfer to another bank. I called the bank within 15 or 20 minutes after that occurred and reported this issue. They shouldve done something immediately but told me they had to file a report and a complaint. They said this could take up to 45 days to resolve. I found that extremely unusual since it was stolen by a thief. I called several times between XX/XX/XXXX and yesterday and just got the same runaround from everyone that I spoke with. They stated that they were working on it and it could take up to 45 days. My last phone call was yesterday XX/XX/XXXX. I spoke to XXXX. He told me they needed more days because They could not get it resolved yet. I asked them why it was taking so long. He said they had to get permission from the receiving bank and the person who stole my money To give it back. I thought that was very odd since the person fraudulently withdrew it from my account. Ive been with Bank of America for 37+ years. Im very disappointed with how they handle customer satisfaction.
Product: Credit card or prepaid card

filed an dispute with XXXX XXXX XXXX on. XXXX XXXX XXXX XXXX to provide contract with my authentic signature. Moreover, should contract with my authentic signature not be available, delete tradeline from credit bureau. Advised, XXXX XXXX XXXX that they are allotted 30 days to provide disputed results to me. Never received correspondence from XXXX XXXX XXXX.
Product: Mortgage

There is a serious discrepancies and misleading practices by New American Funding concerning my mortgage. Most notable, they have reported a false document indicating that I was delinquent on mortgage payments. The alleged missed payment indicated as of XX/XX/XXXX ; was dated the same day as the closing of the mortgage of XX/XX/XXXX, which is entirely inaccurate. At the time of closing, I was clearly informed that my first mortgage payment would not be due until XX/XX/XXXX. Furthermore, New American Funding failed to provide full transparency regarding a second mortgage, which was not initially disclosed under the XXXX XXXX Program- a key element of the agreement. At no point throughout the process did they provide clear, accurate, or consistent information regarding the terms and conditions of the loan, particularly the down payment assistance structure. Prior to closing, two separate appraisals were conducted for the property- both after the house was already constructed on the lot. The first appraisal, completed in XX/XX/XXXX for XXXX XXXX XXXX, explicitly states that " no down payment assistance information was provided to the appraiser '' and that the appraisal was conducted for informational purposes only for the lender, not for loan closing documents. In contrasts, the second appraisal in XX/XX/XXXX includes details of down payment assistance through the Florida XXXX XXXX Program, which I believed offered grant-based down payment assistance, not a repayable second lien, and states that the appraisal was being conducted specifically for an FHA mortgage loan. Additionally, both the buyer and seller had entered a signed contract in XXXX, confirming an agreed purchase price of {$300000.00}. New American Funding failed to accurately complete the Tax information sheet and the Florida Insurance premium disclosure and settlement certification ( closing date not indicated where needed ) on the closing documents. This further substantiates the timeline and contradicts the reported claims. In conclusion, New American Funding failed to act in good faith by providing inaccurate, inconsistent, and misleading information throughout the mortgage process. Their lack of transparency, coupled with the false reporting of delinquent payments, has caused undue harm and confusion that must be rectified immediately. I have tried to resolve this matter directly with the lender, but they have not taken responsibility for the inaccurate reporting or lack of transparency. This experience has caused undue stress confusion and financial harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX, DISCOVERBANK, and XXXX/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, XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX ), DISCOVERBANK, and 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 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 ( 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 redres : for these violations. 
I
Product: Mortgage

On or around XX/XX/23, I attempted to pay my regularly scheduled mortgage payment at XXXX XXXX XXXX, only to discover that the website was down and was down for approximately 10 days with NO explanation from the company or its parent company. Online searching revealed that the parent company experienced a cyber-attack and ransomware was involved ( XXXX XXXX XXXX Hit By Cyberattack XXXX  ( XXXX ). However, NO communication was provided to me as a consumer. 

On or around XX/XX/23, the online account system ( www.myloancare.com ) was brought online. I made the first attempt to submit a payment and received an error message indicating that the payment was not successful. I tried again and received a payment successful notification. 

The payment was a successful XXXX debit on XX/XX/23. On today, XX/XX/23, another XXXX debit was made ty account and threw my account balance in the XXXX. I immediate called Loan Care at XXXX ( approximately XXXX AM XXXX ) and I spoke with XXXX. XXXX informed me that she could see the duplicate payment in their system and that their IT department is aware of the issues with the payments BUT : XXXX. They DO NOT do wire transfers ; XXXX. I would need to request payment research to be conducted which would take XXXX days to process and include proof the duplicate payment that she could already see ; XXXX. It would take XXXX days to receive a PAPER check. 


This is unacceptable!!! IF they can ACH debit to take my money, then they should be able to ACH credit my account to return my money. I am being seriously inconvenienced through NO FAULT OF MY OWN.
Product: Credit reporting or other personal consumer reports

Per the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax, XXXX and XXXX are consumer reporting agencies and I am the protected Consumer. I have the right to privacy and making sure that my private information isn't shared Pursuant 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX is a financial institution by definition under that title. Per 15 USC 1681 section 604 ( a ) section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX the financial institution and the Consumer reporting agencies Equifax, XXXX and XXXX do not have my consent to furnish this information and to date they have never received my written consent either!. Any and all consent to Equifax, XXXX, XXXX, and XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. Pursuant 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX has Never informed me of my right to exercise my nondisclosure option. Also Per, 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax, XXXX and XXXX are not maintaining reasonable procedures. Also Per 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.