23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

Dear XXXX, Account # : XXXX Thank you for your recent ACH Payment on loan XXXX. Your payment of {$100.00}, which is effective on Friday, XX/XX/2022, will be applied to the balance of your loan. While the ach payment has been initiated, it has not yet cleared. If your payment does not clear, the payment that was posted to your account will be removed and you will continue to owe the {$100.00}. 

If you have any questions or concerns, our Customer Support Team is available Monday Friday, XXXX XXXX CT and Saturday Sunday, XXXX XXXX CT at ( XXXX ) XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX have been reporting information on my credit report without my consent or contractual agreement. I have never entered into any formal arrangement with either entity, and the information they are reporting is inaccurate.
Product: Mortgage

Dear Consumer Financial Protection Bureau, Complaint ID XXXX, XXXX XXXX Theycan stop/cancel the foreclosure sale/foreclosure auctionanytime they want.and They can dismiss the case like XXXX XXXX. 

Pleasesee their UNLAWFUL loan documents and their UNLAWFUL Act. 
Primary Residence Property Address : XXXX XXXX XXXX, XXXX, MD XXXX 1.  The loan documents include the compound interest for 11  months and about {$100000.00} construction hold put that into the interest.Those violate the law.There are Rules and Regulations for those lending violations. 
2. Appraisal Unlawful Act : Not only intentionally alter the Appraisal Value in the Loan documents and knowit and refuse to provide the Original Appraisal Report for the loan documents.Also come up with another Appraisal which tries to stage the amount closer to the amount in the loan documents and the value is outrageously low. 
3. There is no more loan extension with XXXX or XXXX  after last XXXX.After that document, there is NO loan document modification or NO forbearanceor NO loan extension I signed .If there is such a document, and asking and sending the statements for the unsigned payment agreement, That document would be FOGERY and UNLAWFUL statements. 
4.When there was a mediation in XX/XX/2024, XXXX XXXX from Shellpoint/ Newrez came to the mediation. He said they will consider to provide for 30-40 years loan. That guy is nowhere to be found. They asked me to send the financial documents to their attorney like tax returns and many financial documents since XXXX until XXXX. 
They did that intentionallytrying to take advantage of the financial information and documents. 

5. Before I took the XXXXXXXX XXXX  loan, there was already so much Equity in the House. The Appraisal report value from Reputable XXXXXXXX XXXX  is $ XXXX.Those are my Labor.My Labor as a Homeowner Builder in all loan documents and Labor theft is Unlawful. 

6. When I emailed XXXX XXXX and Presidents, they find the mistakes and try to fix it and dismiss the case last year.

But when some companies intentionally, premeditated, commit UNLAWFUL acts, it has to be corrected.

7. Many Reputable Banks and Many Reputable Lenders and Many Reputable Companies in the U.S, when theyrecognize they find mistakes or Errors, they willingly correct it and take the responsibility.They have High Moral standards. 
They do Not try to stage or fabricate the documents or the scenes or do Not alter the error and deny. 
That is why Top of the Top Countries in the World and Everyone 's dream.

Please take actionagainst Unlawful Lending acts and Please Protect the Homeowners. 
Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Against Bureaus for Violations of the Fair Credit Reporting Act ( FCRA ) and Other Federal and State Laws Complainant : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  SSN : XXXX XXXX XXXXXXXX Dear CFPB, I am filing a formal complaint against Bureaus for multiple violations of federal and state laws regarding the handling of my credit report. Despite my repeated efforts to dispute fraudulent and inaccurate accounts on my credit file, Bureaus has failed to comply with legal requirements under the Fair Credit Reporting Act ( FCRA ) and other regulations. Below is a detailed account of the violations and demands for corrective action : Violations : Failure to Notify of Debt Validation ( 15 U.S.C. 1692g ) : Creditors and Bureaus failed to provide written validation of debts within five days of reporting accounts, violating debt collection laws.

Failure to Ensure Accuracy ( FCRA 607 ( b ) ) : Bureaus did not maintain maximum accuracy in reporting. Discrepancies in balances, dates, and account statuses persist.

Failure to Investigate ( FCRA 611 ( a ) ( 1 ) ( A ) ) : Bureaus failed to investigate disputes within 30 days, violating legal timelines.

Failure to Reinvestigate ( FCRA 611 ( a ) ( 6 ) ) : Despite multiple disputes, Bureaus did not conduct proper reinvestigations as required by law.

Failure to Protect Personal Information ( Gramm-Leach-Bliley Act, 15 U.S.C. 6801-6809 ) : Bureaus failed to safeguard my personal information, allowing identity theft.

Identity Theft Protections Ignored ( 18 U.S.C. 1028 ) : Bureaus failed to address fraudulent accounts despite identity theft protections under federal law.

Failure to Provide Resources for Identity Theft Victims ( 15 U.S.C. 1681g ( e ) ) : Bureaus did not implement fraud alerts or offer support for victims as mandated.

State Law Violations : Identity theft protections under Florida Statutes and Connecticut General Statutes 53a-129a to 53a-129d were ignored, violating state laws.

Fraudulent Accounts : XXXX : Account Number XXXX XXXX : Account Number XXXX Unauthorized Inquiries : XXXX Equifax XXXX Equifax XXXX XXXX XXXX XXXX Incorrect Addresses : Incorrect addresses such as XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, '' must be removed immediately .

Demands : Immediate removal and blocking these accounts Written confirmation of account removals and an updated credit report.

Implementation of fraud alerts and compliance with identity theft protections.

Detailed investigation findings in writing.

If these issues are not resolved within 15 days, I request CFPB intervention to enforce compliance. I reserve the right to pursue legal action under FCRA and related laws.
Product: Debt collection

Synchrony Bank sued us TWICE, using XXXX different debt collectors, XXXX in XXXX and XXXX in XXXX, to collect the same amount on the same alleged debt ( it had been paid several years before ). The first petition was filed in the XXXX Judicial District Court, XXXX XXXX, XXXX, via Suit # XXXX. They dropped that suit after we proved the debt had been paid. Six weeks later, another attorney filed suit on the SAME alleged debt in the same court under Suit # XXXX! Again, we fought and won. Still have n't received payment on court costs we paid. We also want to collect $ $ from them for wrongful suits.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$270.00} XXXX XXXX  XXXX Balance : {$420.00} XXXX XXXX XXXXXXXX Balance : {$310.00} XXXX XXXXXXXX Balance : {$24000.00} XXXX XXXXXXXX Balance : {$100.00} This will be my follow-up complaint in line with my previous complaint
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST Collection agency name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX FL XXXX Dear XXXX XXXX XXXX, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or purchase agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other XXXX I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter.
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 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 requirement under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

We purchased a home in XX/XX/XXXX. Shortly after, our original mortgage company sold our mortgage to Dovenmuhle. Our first payment to Dovenmuhle was in XX/XX/XXXX. We have an escrow account with Dovenmuhle. Our property tax bills for XX/XX/XXXX were sent out in XX/XX/XXXX. XXXX county taxes were due XX/XX/XXXX and were paid by Dovenmuhle from our escrow account on XX/XX/XXXX. Our City of XXXX taxes were due XX/XX/XXXX. However, these were not paid until XX/XX/XXXX. An interest penalty for late payment was applied and I reached out via phone to Dovenmuhle on XX/XX/XXXX to inquire and understand what occurred. They gave me instructions on how to request a reimbursement and I sent that correspondence on XX/XX/XXXX requesting a reimbursement to our escrow account for {$94.00} ( the total amount ended up being {$94.00} of interest accrued, this can be confirmed with the XXXX County ( Georgia ) Tax Commissioner office ). 

Dovenmuhle 's response to my email inquiry requesting reimbursement into our escrow account included the following : " Please not that you will not be reimbursed for the penalty tax amounts as we did not disburse these funds from your escrow account as they should have been paid prior to the service transfer of your loan. '' How could my original mortgage company have paid a bill which did not exist until XX/XX/XXXX? That is 3 months after Dovenmuhle bought our mortgage from our original mortgage company.
Product: Checking or savings account

XX/XX/2023 : I downloaded the XXXX app on my XXXX  phone to initiate the process of applying for an account. XXXX is a division of First National Bank of Omaha ( FNBO ) which operates as an app-only banking platform. 
At XXXX I completed the mobile application for an account through the XXXX  app, filling out my information including name, SSN, DOB , email address, telephone number, and home address. Upon entering the data, the XXXX app presented me with a determination that my application was denied, without any specified reason. 
At XXXX I contacted the consumer support chat feature within the XXXX XXXX, and was given an automatic response stating " We're unable to approve requests for accounts when they do not meet our bank 's requirements. These requirements include but are not limited to identity validation. We did not perform a credit check and your credit was not a factor in this decision. We appreciate you considering us for your banking needs '' After receiving this response, I prompted the chat to connect me to a real person, who then asked for my email address to transition the conversation to email. 

At XXXX I responded to an email from XXXX which repeated the above message asking if there was an appeal process. I was informed by an agent name XXXX " Unfortunately this decision is final. " I then inquired how the information was verified or what the application criteria was, and received a response stating " At XXXX, we consider a variety of factors to determine account eligibility. We understand that you might be curious what these factors are but, for security reasons, we can't share the complete list of criteria we use. Maintaining the security and confidentiality of our evaluation methods is very important to us and our aim is to ensure fairness and equality in the assessment process for all of our applicants. We do not check your credit. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$450.00} ; XXXX XXXX  XXXX Balance : {$450.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
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. 

And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX 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

I am a victim of fraud and identity theft and hard inquiries were made which made me financially suffered. I did freezes all my credit bureau accounts since all the bad things happened. 
Of all started from XX/XX/2023. When I received a call from XXXX  XXXX bank asking me if I have applied for any XXXX  XXXX XXXX credit card and I told them no. But a hard inquiry was left over on one of the XXXX report. 
We also filed a online police report because that's not the only thing that individual did. I received another call from XXXX XXXX that someone attempted to open XXXX new accounts and I have to come to bank to verify identity That individual withdrawn {$1700.00} and online shopping for almost {$400.00} which we got refunded. That's when I freezes my credit. The hard inquiries from XX/XX/XXXX to XX/XX/XXXX was from the same individual responsible for all hard inquiries on all three reports. 
showes XXXX items XXXX XXXX  XXXX XXXX XXXX and XXXX. 
For XXXX of showes few items On TransUnion if showes XXXX items Like XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was a letter received but I dont see on the report and few other items. I would need a report so I can submit to the bereus to her all removed thank you
Product: Checking or savings account

On Sunday, XX/XX/2023 at XXXX Eastern Time I received an email that Bank of America had my online application in progress for their Bank of America XXXX XXXX Banking Account XXXX 

I never submitted an application for this. 

At XXXX Eastern Time I received an email that Bank of America had opened a Bank of America XXXX XXXX Banking Account in my name. 

I reported the fraud to Bank of America 's fraud department via their XXXX email address at XXXX and XXXX the same day for each of the respect emails.
Product: Credit card

XXXX XXXX XX/XX/year> I am reporting a fraudulent account found in my credit report
Product: Credit card

There was a charge on XX/XX/XXXX of {$160.00} from XXXX, which I did not authorize. 
Bank of America said there was a similar charge in XX/XX/XXXX on another credit card ( closed ) associated with me, therefore, this is a automatic charge, so Bank of America find my other credit card associated with me to place the charge on my account. 

I told Bank of America that I did not authorize this charge of {$160.00} on XX/XX/XXXX, but Bank of America refused to call back the charge. 

I called the Merchant ( XXXX ), which could not provide me with proof the my authorization of this charges This is a fraud activity on the Credit Card Company Bank of America and on the Merchant ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX XXXX XXXX credit card issued by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. When I first used the card I was told at the shop that I had no payments for 6 months as a promotional offer. Thinking that I didn't have any payments for 6 months I did not worry about the payments until I checked my account and seen I was 90 days late. I was not getting monthly statements because they were being flagged as spam from XXXX. I contacted XXXX XXXX and explained the situation and they do not care. I have made every other payment after that on time and sometimes more than the minimum. I want the late marks on my credit to be removed as I was told I had no payment for 6 months when making the purchase.
Product: Credit reporting or other personal consumer reports

XX/XX/year> there is no late payment and should not be a XXXX  days late status. 
XX/XX/year> there is no late payment and should not be a XXXX  day late status.
Product: Credit reporting or other personal consumer reports

TransUnion rental screening Solutions Inc. Is reporting to a third-party company by the name of XXXX XXXX XXXX XXXX XXXX XXXX XXXX And is reporting inaccurate. Improper use of information on me and passing my personal information around to third-party companies without my written consent to report negative items on my reports this would be considered Identity theft.
Product: Vehicle loan or lease

I purchased a used car on XX/XX/XXXX which is financed through Capital One. Capital One sent me a letter dated XX/XX/XXXX with an incorrect account number on it. I did not discover the account number error made by Capital One until I started receiving collection calls from them. I've been attempting since the XX/XX/XXXX to have the money I sent assigned to the correct account. I am still receiving collection calls and late fees are accumulating on my account. I have been reported, inaccurately, to at least one credit bureau as being late with my payments. 

I've called Capital One back after seven to ten business days to check on the progress of the payments being applied correctly, but they have not. The amount in question is about XXXX in payments and approximately XXXX in late fees.
Product: Student loan

On XX/XX/XXXX I received a billing statement with an incorrect amount due of {$1100.00} that did not reflect a payment of {$5000.00} made on XX/XX/XXXX. 

I spoke with a Nelnet representative on XX/XX/XXXX who admitted a " system error '' and provided two different Nelnet email addresses for me to raise the issue and seek an official explanation. She also submitted an internal complaint. Seven days and four business days later and I have not received a reply. I called today, XX/XX/XXXX, and spoke with a Nelnet manager who verbally confirmed that the billing statement did not reflect my payment of $ XXXX, but he refused to send any written correction or clarification. He stated that he was simply " not able to do so at this moment '' without providing any justification. 

Because the inaccurate billing statement was sent a full three and a half months after payment, I fear that this payment and perhaps others are being misapplied and/or not being retroactively posted to reflect accurate principal and interest calculations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Because of the identity theft I ordered my XXXX report and found the following inquiries that were not authorized by me : Peoples United Bank XX/XX/2018
Product: Credit card or prepaid card

On XX/XX/2019 two cards one a capital one bank and other a XXXX card was tried to issue and was denied. I never applied for either of there credit cards. Some one has tried to use my identy theft and apply. Plus my credit score has dropped more than 40 points and not sure why. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters. 

Previous XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX Previous Address ( es ) XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ( XXXX XXXX )
Product: Mortgage

US Bank Lost all the Deeds and mortgage documents, Then miraculously they found them. From that moment on Witness came forward under oath clearly showing that the Notary signature and his seals were fake and forgery 's. Then The original witness came forward under oath stating the same thing. US Bank has no standing whatsoever and the Loan has been rescinded by us in a timely manner without being responded to within the 20 day rule. Because the contract was never consummated making it makes any past judgment Void. XXXX XXXX XXXX attorney for XXXX and US Bank Knows that they are committing a criminal act Plus they have consistently violated the OOC Cease and Desist Order. We believe XXXX XXXX has been the primary person involved in sending these falsified document across state lines and may have violated RICO laws in the process.