23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

These hard inquiries were fraudulently made on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 5times ), XXXX ( 2 times ), XXXX XXXX ( 3 times ), and XXXX XXXX XXXX XXXX ( 2 times ) . As well as several closed accounts that I do not recognize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  As well as several closed accounts that fraudulently opened : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Many years ago, I received the letter from Malin and associates. They were trying to collect a debt from me I had no idea who they were and basically I ignore them. They did start calling me and I told him I had no idea what the debt was about. At the time that they were calling me I was going through a divorce. My social security number was stolen at the time, I could not make any valid accusations but I kind of knew who did it. My ex-husband was living with someone at the time and he had all of our paperwork in his apartment and I think the person he was living with got hold of my social security number. Anyway, sometime last year, a bank account that belongs to my son was garnished because of this loan that I never applied for. I went to the police, I filed a report, I had the money returned and I saw this loan was on my credit report. But on my credit report, it says it was written off and it was no longer affecting my credit. I called this company and I told him everything that was going on I told him I went to the police. The whole thing was done as far as I knew. And now today I just received a letter from them again saying that my fraud case was invalid and I owe them the money and now they're adding interest. I don't want to go through these issues with this company again. I did not take a loan out, I was in the middle of a divorce, I did not take any loans from anywhere. And also the name that is on the letter that I received is not even my legal name. My legal name, which I have always used is what I am giving you today. Even when I was married, I did not change my name legally. My name on my driver 's license, social security card, and my tax returns etc everything else has always been the name that you see here that I am giving you. This company keeps harassing me And I really don't want to go through any more problems with them anymore. I think they said that this loan was from 2014? I can't even get a straight answer from them, I've asked them multiple times to show me proof that they have that I took a loan out. They have yet to do that. They just are very rude on the phone whenever I call, and they never give me any answers. I really don't want to call them anymore because it just causes more problems. I have never taken a personal loan out in my life. The only loans I have ever taken out were for my cars which were through actual car dealerships and I took a small student loan out for my son. I really need some help with this because I am a single mother and I'm trying to put my kids through college and I really don't need the stress from this company because they already messed around with one of my bank accounts once. Please help me and need to get these people to just leave me alone
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 Regulations E. These acts have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. 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 XXXXXXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/2023.
Product: Prepaid card

Hi and Im fed up with Netspend prepaid for the pass 4 years of the discrimination acts of fruad on my accounts from the staff of netpend prepaid cards It like everytime I give u m credentials you guys come back saying account is closed why dont I have any of this in writing this whole time netspend prepaid has slander my name and commented discrimination to the fullest. No ne from company had my permission to close no accounts especially if I wasnt authorized to have an account with netspend prepaid. I have prove Ive been receiving funds to some accounts this is why certain accounts are still open but netspend wont give me any information or detail of account to where I can close it get my funds but netspend miss leaded me with false information allowing accounts to be drained or funds or transferred into anonymous accounts I believe belonging to employees or friend or family member. I had it Im now with n the process of suing netspends prepaid with every ones names Ive spoke to over these 4 fours requesting and asking for transcript of account that lead me to be emotional distress and damage me financially. I wasnt given nt a warning or no type of red flag if I committed something worng Ive apologize for wht I dont know because NETSPEND PREPAID SERVICES STILL FROM 2019 to now will not give me any written statement or nothing indicating the reason Im banned. This is clearly worng disrespect and discrimination netspends has committed discrimination and fruad against my name and accounts and i will be seeking for over {$50000.00} when it could have been resolved by allowing me back my active account with funds due to my direct deposit from work I didnt have access to because of this fraudulent act that netspends has slandered my reputation and cus me shame. So not only am I suing for discrimination and damages to my fianc and caused me physically and emotionally break down because I couldnt get access to funds I already had set up with other institutions direct deposit transfers led me in debt. I couldnt get access to those main accounts but were send numerous prepaid cards I have prove of all actions.
Product: Mortgage

On XX/XX/XXXX I called Ocwen and asked why our credit history was not being reported to the credit bureaus, they said they did not have a reaffirmation letter on file from our bankruptcy in XX/XX/XXXX. I explained we had a copy of the reaffirmation letter from the lawyer who took care of our bankruptcy and that we would fax it to them on XX/XX/XXXX, which we did. We also contacted our lawyer who confirmed the bankruptcy including the reaffirmation letter was signed by both he and the judge and processed on XX/XX/XXXX. 
I called back on XX/XX/XXXX explained our situation again and the information that had been faxed and confirmation from our lawyer, I was told it would take XXXX business days for the information that was sent to be received and documented. I called again on XX/XX/XXXX and spoke with XXXX ID # XXXX, he could not confirm he had the documents that were sent or what the court documents said. He suggested waiting and additional XXXX business days or more for the information to be inputted into the system, they would have to investigate, contact court records from where we filed the bankruptcy in Massachusetts. On XX/XX/XXXX I called and spoke with XXXX ID # XXXX, still no information available, she said she was going to open " Escalation for Court Response '' and suggested I call back on XX/XX/XXXX If no response from the court has been received at that time she said she would hand the issue over to her supervisor. My husband and I are trying to re-finance our home, we have good credit and we qualify for the Harp loan but we can not re-finance without information from our mortgage company XXXX XXXX ) being released to the credit bureaus. I do n't want to be passed on to another and another and another any more. Ocwen holds a small XXXX mortgage attained in XX/XX/XXXX from GMAC when GMAC filed bankruptcy, I feel they are holding our information XXXX. XXXX XXXX XXXX is NOT what they do. Please help.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer. I request that the CFPB take action to ensure Experian and XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

LVNV funding purchased debt from XXXX XXXX from an account that was suppose to fall off my credit in XXXX. As it has been over they seven year mark of the debt. I have still been receiving calls after I've told them to not contact my number and now my father has been getting calls as well. And i believe that is against the law from my understanding.
Product: Credit reporting or other personal consumer reports

This is NOT A DISPUTE. I believe the information being reported to be inaccurate. 
XXXX XXXX Balance Owed : {$1900.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00}
Product: Checking or savings account

I opened an account an was told I would receive a {$400.00} bonus. I did not receive my card after a few weeks. I went in to a branch close to my residence and was told they had to open a new account. They walked me through the features I made a deposit and they help me login. They told me they would order me a card. XXXX weeks go by and did not receive the card I call the branch explained I did not receive the card yet. They told me they would order me a card I got it with in a week. I waited 30 days called about my sign up bonus and was told I did not qualify because of my direct deposit was made a day later then it should have to qualify.
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason. I never disobeyed any agreement or policy. I believe that this was because of me receiving {$1000.00} on my account, but I don't see anything wrong with the transfer especially because I personally know the sender. They asked me to submit a photo ID and explain those transactions, and as well a bank statement which was supposed to be confidential. I submitted all of these to comply in hopes of getting my account being restored but the next working day, I saw that my account has been permanently restricted and I can only withdraw my funds after 180 days. I have sent them an e-mail but to no avail, they have not replied. This is affecting me so much because I use PayPal frequently and this has been the third time that they requested for my documents. This is my only way to accept funds outside my country. My e-mail linked to my paypal is " XXXX ''. Attached herewith is the photo ID that I used to prove my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fail to investigate properly and Violated my due process right XX/XX/2022, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter back XX/XX/2022, stating They do not report any bankruptcies to anybody. So, if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate? They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times, and violated my DUE PROCESS RIGHTS ( Due process is the legal requirement that the state must respect all legal rights that are owed to a person. Due process balances the power of law of the land and protects the individual person from it. ) The credit bureaus violated my given rights under 15 USC 1681.

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

According to : 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 According to : 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, credit repair services, or other personal consumer reports

I received a copy of my credit file from Transunion # XXXX. This is the latest of numerous reports that I have requested over the last year to correct inaccuracies on my credit file. 
XXXX XXXX # XXXX has been inaccurately reported on my credit for over a year. Transunion as changed the open date which I disputed, the date reported open on XX/XX/XXXX now reports XX/XX/XXXX. The close date that I disputed originally reported XX/XX/XXXX now XX/XX/XXXX, and originally reported this account was closed in XX/XX/XXXX as result of a filed chapter XXXX bankruptcy and now reports it was discharged in chapter XXXX in XXXX. All this information is inaccurate as were the previous information. I also disputed the high balance on the account with no change occurring during the last year and it was not mentioned in any of the results. 
XXXX # XXXX has been inaccurately reported on my credit file as well for over the last year. I disputed the open date of XX/XX/XXXX asking for a record of payments which I never received, I disputed the closed date as well again referencing a payment history proof to verify this date without success, their printout of their report shows no payment history. I ask for verification of the balance without success and lastly again I ask for verification of the accuracy of the chapter XXXX bankruptcy associated with this account since it originally reported chapter XXXX with the same dates. 
I have requested a copy of the results of the investigation including the process and contact of the creditor representatives spoken with and address and phone of creditor as well that was used during the investigation process which I have never received in the year of trying to get my credit file corrected. 
These two account remain on my account with multiple changes to the records and still remain inaccurate. I question the investigation process which I requested copies of which I have not received. 
Mostly recently I was sent a letter requesting additional information to verify my identity which I sent originally and have every time I previous have done so by certified mail.
Product: Credit card or prepaid card

I applied for a credit card on XX/XX/XXXX. USAA pulled my credit report from XXXX on XX/XX/XXXX. 

USAA was instructed, by XXXX, to verify my identity via this statement that is on my report that was given to USAA : Personal statement ( s ) XX/XX/XXXX & XX/XX/XXXX XXXX ID SECURITY ALERT : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. THIS SECURITY ALERT WILL BE MAINTAINED FOR 1 YEAR BEGINNING XXXX. 

USAA never called to verify my identity. Nor did they send me an email, message through the portal, or mail. 

I called USAA to verify my identity, as they have already pulled my credit and negatively affected my credit score and my ability to get any further financing on XX/XX/XXXX at XXXX and the call was recorded via USAA XXXX 

The rep from USAA, XXXX, told me it that USAA could not reach me via my phone number, even though it was listed on the XXXX  report, my USAA portal ( which I authorized any branch of USAA to access via the my only preferences ), and was even listed on the credit app. My phone has been working fine. USAA did not leave a voicemail or even notify me they attempted to call in any other forms of communication. 

I asked to verify the information during the same call on XX/XX/XXXX at XXXX. XXXX told me I could not and the application would not move further and there was 'no other way around it '. She also refused to remove the credit inquiry. 

I then asked to be escalated to her manager, and she denied, and said I could only talk to another department. I talked to the XXXX employee XXXX and she also gave me the same information. 

USAA refuses to accept or deny my application as of now and refuses to remove the inquiry. 

I will seek legal damages as USAA is violating my rights, causing me tremendous stress, and negatively impacting my financial future. More so, it's representatives are argumentative and untrained/uneducated.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act XXXX  account XXXX XXXX XXXX XXXX section XXXX : states I have the right to privacy. 
15 USC1681 section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX { acct XXXX } XXXX XXXX XXXX ( acct XXXX ) XXXX casually ( acct XXXX ) XXXX XXXX ( acct XXXX ) XXXX  XXXX ( acct XXXX ) XXXX XXXX XXXX ( acct XXXX )
Product: Money transfer, virtual currency, or money service

XX/XX/2021 {$77.00} XX/XX/2021 {$27.00} paypal needs another class action lawsuit filed against them they knowingly and intentionally demanded money from my credit card compaines even after i informed them of the fraud sellers i have the usps involved in this becasue paypal supplied a fake tracking number my credit card compaines have agreed to back me up on this as well paypal chose to have arbitration take the case only to h ave their attorney manipulate the situation, i have all the emails which includes paypal makin a mockery of this apparently its funny to them because they continute to get by with doin what they do. after this i am filing a complaint with attorney general as well this needs to stop paypal needs to be held accountable for their actions as well as forcign people to open an account with them otherwise they sat you cant file dispute for their fraud sellers why would anyone wan na open an account with an unsafe website as that one they also offered to allow this to go to court but they dont wan na pay the fees for me to file a civil suit case for the amoutn of {$5000.00} i also believe they pay off arbitration or they have some kind of agreement with them so that paypal wins the case was closed per some rule 9 then it wen tpot fairshake again then backl to XXXX again and now its been nothing goin on in some time now,, please CFPB help in this matter id like to show the courts that ived done all i could but i am searching for more consumers to get a class action filed so any help there would be great and apprecaiated
Product: Mortgage

I would like to know why Shellpoint sold our account to XXXX XXXX XXXX. 

Our account went from XXXX, Shellpoint to XXXX XXXX  XXXX. There is no reason for this!
Product: Credit reporting, credit repair services, or other personal consumer reports

On my profile and info page on Experian they have me as unemployed and no job or occupation. I work full time as a XXXX XXXX XXXX  for XXXX XXXX. I want lenders to see that I'm working and always do. So all I need them to do is update my profile with true and accurate info regarding my employment. Thank you
Product: Prepaid card

Submitted proof to Direct Express ( Comerica Bank ) fraud service department request number XXXX and they determined Twice no error had occured. Requested they send me the documentation they offered to base their decision. And I sent even more proof the order was fraudulent and my XXXXXX/XX/XXXXwas compromised with all my financial info They have ignored 3 requests for their documentation they based their decision on.
Product: Mortgage

I am currently a Successor of interest on my FHA loan. I have been trying to make a payment or work out payment arrangements since XXXX. At first they refused to acknowledge my divorce documents. Then when COVID started and forcloser proceedings were stopped. I entered into COVID protection for XXXX  months. Two months prior to my forbearance being up I reached out to my servicer to work out a modification. I even filled out assumption paperwork per their request My servicer insisted that my x husband sign a quick claim deed ; he will not that is why the judge did it for him during the divorce.

A default judgement was entered against my x husband and myself - I couldn't obtain legal counsel to fight the forcloser. Once I did he just seemed to hold my hand through the process. 
Doing nothing to actually fight for me. The bank proceeded with the forcloser but did have me fill out yet another modification forum for the third time- they made an offer in just a few days and said they needed XXXX  days to do a title search, weeks later they took it off the table saying it never happened. My attorney did not get it in writing nor did I. We had no proof of the offer so they told me it didn't exist. I dreamt it up!!! 
I applied for XXXX  XXXX and my servicer REFUSES to talk to my state agency. I informed Midland Mortgage in XX/XX/XXXX and again on XX/XX/XXXX that I applied for XXXX but they refuse to acknowledge.. 
I received a letter from the state of ND dated XX/XX/XXXX and the Midland Mortgage has yet to contact them. Regarding my XXXX application. 

Please help me!!!!