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

An apartment company, XXXX XXXX falsely reported that I owed them over {$15000.00} for a couple of months of rent after they were NOT granted an eviction against me and my XXXX children. They refused rental assistance and claimed they did NOT receive the payment when I paid them in person. I have copies of the money orders that I paid them, equalling a little over {$5000.00}. After the eviction was NOT granted, I agreed to move out for my children 's and my mental health, as it was clear we were NOT wanted at this apartment community any longer. They did NOT serve a set-out. When the deputy came as I was finishing moving our things, he told me to stop cleaning, I wouldn't be charged for anything remaining in the unit, and they would NOT charge me any extra cleaning fees. During this period, they towed my car and put it into impound, without providing any information on how to find my only vehicle, which resulted in my baby being unable to attend his neurosurgery appointments for almost a year - and then put over {$15000.00} on my credit claiming excessive cleaning fees and supposed fecal matter on the walls and quoted cleaning for a biohazard. I'm assuming this was done in direct response to the company being aware of my children being XXXX ... .but it is a nXXXX XXXX XXXX for my XXXX XXXX XXXX child, at the time and not anything that would result in any type of behavior they claimed. This seemed as if they were discriminating based on preconceived notions of those who are disabled. And, to follow up, I took photos and videos of the apartment conditions upon move out and everything claimed was NOT present in the photos and videos that I took at the moment of moving out. If anything, there was a mark of *watercolor paint* my older XXXX children ( both under the age of XXXX ) left on the wall, which I was advised NOT to clean by the deputy. This {$15000.00} was reported directly on my credit report AND reported on my tenant screening report, resulting in my now, XXXX XXXX children, XXXX XXXX XXXX, and I being homeless for the past XXXX years. This complex was also aware of us being XXXX XXXX XXXX as we used the XXXX XXXX to relocate to this unit after we escaped being held XXXX, in which a XXXX protection order was granted against this individual who was our abuser. I was only XXXX at the time and am now XXXX, without any family support and housing. The Debt Collector now in control of this account is called National Credit Systems and they refuse to accept any information, including court orders from this account to remove it from my consumer tenant report and my public record, despite no money being awarded, no proof of me owing this and talked over me on the phone claiming they can't tell me that I owe it.
Product: Debt collection

After a thorough analysis of my current credit report, I discovered numerous accounts that I feel are incorrect and were added without my knowledge.
Product: Debt collection

This collection company used illegal tactics to call 3 times a day everyday for the last month to collect the bill for which it was 20 years old and it was in dispute back then.

They altered the past due date and reported to the credit bureau to damage my credit score and told me to pay them. Such a low class business practice. Stop them!
Product: Money transfer, virtual currency, or money service

Coinbase transfer to a FRAUD SCAM Brokers : XXXX I would like to bring your attention to a serious issue I have with Coinbase wires that first took place on the XXXX of XX/XX/2019. 
I have been victimized by a multilayered scam operation orchestrated by XXXX - the Company. 
The funds were transferred utilizing Coinbase 's services in the total amount of XXXX GBP! 
I would also like to point out that on XXXX of XX/XX/2019 - I filed a dispute with Coinbase.
Product: Money transfer, virtual currency, or money service

i am writing to formally express my concerns regarding zelles handling of disputes, particularly in light of the recent cfpb lawsuit highlighting significant issues with the platform.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One Auto finance - XXXX - is reporting a 30 day late on my credit report for XX/XX/2018 and I was not late. I have been late in the past, but XXXX I was not late. I paid what I was advised to pay previously by the rep on the phone and paid it. The representative made the mistake, not me. This is an error.
Product: Checking or savings account

Well I opened a cash app account which I wanted I tried getting one as soon as I turned XXXX but had to wait until I got a id I got one and I opened my cash app account verified myself and everything then out of nowhere they wanted me to do more verification I tried linking my bank account but it wasn't working so I uploaded what they asked for then all of a sudden they are closing my account saying gambling goes against there service terms but they couldn't prove anything to me because I don't gamble at all I think it is a XXXX thing to waste ur money to hope u win more makes no sense to me now I had a business account and a personal account linked together because I walk some of my neighbors dogs they said I should separate the money I get from walking dogs and money I get from my family anyways I had my virtual XXXX XXXX linked to my personal account and my physical card linked to my business account see the virtual cards are no longer available when u make a new card the old one is gone completely period and cash app refuses to let me link a new card to my personal account they say I can only link one I had linked before but the cards literally don't exist any more and I asked them to put my money on my business account so I could withdraw my money they won't do that they won't let me link another card and they are refusing to give me my money now I'm XXXX XXXX XXXX I'm going to be all alone for XXXX because I don't have my money and don't have has to get to my family all because they refuse to give me my money all they keep saying is link a card or bank I have successfully linked it won't let me link a bank period and the cards that were on my personal account are gone and literally impossible to link a card that doesn't exist anymore and I think it's absurd that my personal and business account are linked same number and email on them but I can't put my money on my card that is one my account already the business account but they are linked together
Product: Checking or savings account

I am writing to file a complaint against Navy Federal regarding multiple overdraft fees that I incurred despite having insufficient funds when transactions were authorized I was charged fees due to the lag of posting of charges and credits this issue aligns with the recent CFPB findings against Navy Federal for similar practices where transactions settled with insufficient balances despite initially available funds I believe these practices are unfair and request and investigation into my account transactions
Product: Payday loan, title loan, personal loan, or advance loan

Different payday loan company contacted me saying I need to make a payment over the phone. To pay back the loan I borrowed. I told them I didn't borrow no money. This messed my credit up badly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under my name. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more th an 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be a claim that constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute IsFrivolous or irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under 617 Civil liability for negligent noncompliance [ 15U.S.C. 1681o ] a person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

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

This letter is a formal complaint that you are reporting inaccurate credit information. 
I need you to verify, through the physical verification of the original signed consumer contract, this account that you posted on my credit report.I demand to see verifiable proof an original consumer contract with my signature on it, that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : 1. Validate Account XXXX XXXX Account XXXX : XXXX Please supply information on how you have verified this item. 

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.

Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up.

2. The date you contacted the individual funishers of information.3. The method of communication you used to verify the information I would also like to know if the furnisher provided you with my SSN, address or DOB.Please forward an updated credit report to me after you have completed your investigation and corrections
Product: Student loan

I have been paying my student loans since Before I graduated and also because of covid, all accounts were put on forbearance yet theres a demarcation on my credit report which is affecting my ability increase my credit and Ive been making payments as well since.
Product: Checking or savings account

Received email that my information was used to open a Bank of America account. ( XX/XX/XXXX ). Contacted BOA and notified them of fraudulent activity. Investigation occured. Received notice XX/XX/XXXX that investigation was concluded and that issue was resolved. Recommended i freeze credit and banking via credit unions and XXXX. ( completed ). 

However, i still receive bank statements from BOA even after i requested ( XXXX ) them to close the account because it was fraudulent. While Bank of America continues to give me verbal assurance- i still receive bank statements.
Product: Debt collection

This individual has called me almost every single day in regards to credit card debt that I have been unable to pay due to unemployment. He leaves numerous messages. He has called my parents, my brother, and most likely other individuals that share my last name. I called him today and he threatened me by saying that if I did not pay a certain amount that legal action would be taken. He hassled me to ask family members for money. I told him NOT to call my parents as I have not lived with them for 15 years and they would not be paying this debt on my behalf.
Product: Mortgage

Wells Fargo is our home mortgage lender. For six years, I have never been late with our monthly payment, and I have always paid the mortgage online through the Wells Fargo Mortgage Bill Pay. The payment has always been debited from our XXXX XXXX checking account ; I have not added any additional accounts from which I could draw for the mortgage payment. I made our XX/XX/XXXX payment on the XXXX of the month, assuming that it would be debited from the XXXX XXXX account. The payment never posted on the XXXX XXXX account. I then received a " Notice of Non-Sufficient Funds '' from my XXXX XXXX account ( a Wells Fargo account ) and discovered that an attempt was made to debit this account for the XX/XX/XXXX mortgage, even though I did not data-input this account information with Wells Fargo Bill Pay and did not approve of its use. I have tried to resolve this issue with Wells Fargo Mortgage, was told that I must have approved use of this second account ( I did not! ) and then was told that the debit process with the XXXX account would have to go through two more times before it could go through my XXXX XXXX account, resulting in a {$29.00} NSF fee for each time a posting is attempted. All I want is a ) to have the {$29.00} NSF removed ; b ) debit my XXXX XXXX account for the XX/XX/XXXX payment without incurring a late fee. It seems an easy " fix '' but Wells Fargo insists on passing this mortgage payment through XXXX two more times! I went through XXXX different representatives and XXXX managers until I hit a dead-end with an executive 's voicemail. We have had run-ins with Wells Fargo before and I am afraid that this will lead to some premature foreclosure attempt which would be completely unwarranted! Help!
Product: Checking or savings account

I discovered someone opened a fraudulent account in my name with Chime Bank, and tried to redirect my paychecks to this unauthorized account. 

This is the XXXX Time I've been made aware that someone opened an unauthorized account using my information with Chime. I have asked Chime to close the account, provide me with all the information that was used to open this account, and transaction histories on both accounts, which they have yet to provide. 

After the first account was closed Chike advised me that no one would be able to open an account with my info, but it has happened again. 

THESE " 2ND CHANCE '' banks do not use XXXX and there is no way for anyone to know if fraudulent accounts are being opened. These banks can not be allowed to continue if they are rampantly used to commit fraud. 

The checking account # s in question are : XXXX. XXXX XXXX. XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX  XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notice from credit acceptance that if I paid {$4300.00} within 90 days of the letter datedXX/XX/XXXX they would close my account and if the account was still reporting to the credit bureaus it would be updated to XXXX balance and paid in full for less than full balance. I paid the account in full on XX/XX/XXXX. I then called onXX/XX/XXXX  the rep stated the account was closed so I requesed a letter stating that it was paid in full and they would be updating my credit report. I was faxed that letter as well as mailed the same letter. I have had way too many issues with this company in the past so I disputed the info because I knew they would not update it accordingly and of course they responded to the dispute that everything was accurate on the account which is a lie.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 'm XX/XX/XXXX I filed a dispute with Equifax, XXXX, XXXX on the behalf of XXXX, and XXXX XXXX XXXX I got a response back saying checked by creditors.None of the creditors followed the law by actually checking the accounts correctly because they say closed do to non payment and the accounts were paid in full in XX/XX/XXXX the creditors never corrected the payment information as I ask them to neither. All three creditors are damaging my credit.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation

of TILA US Code 1666B since I was never late. Please see attached file for these items I am complaining.. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) a
nd the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

"
Product: Credit reporting or other personal consumer reports

I have two unknown inquiries on my XXXX report that says Synchory financiaXXXX XXXX And XXXX XXXX in XXXX. I was a victim of identity theft for years. I am just realizing that these items were on there after I just applied for something.
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ABSOLUTE RESOLUTIONS Account number XXXX, XXXX Re : Cease and Desist Demand for DEBT BY COLLECTION AGENCY Dear, ABSOLUTE RESOLUTIONS I am writing to formally demand that you immediately cease and desist from threatening letters and calls that you have been engaging in. This conduct is harmful, unlawful, and has caused a XXXX veteran with XXXX with XXXX and XXXX. Specifically, you are infringing on intellectual property rights, making false claims. You are hereby put on notice that your actions violate USC 15 1692G did not provide debt validation claim, my intellectual property rights and must stop immediately. If you do not cease and desist from these activities within, 14 days from the date of this letter, I will have no choice but to pursue all available legal remedies, including but not limited to filing a lawsuit and seeking monetary damages, injunctive relief, and any other appropriate legal actions.

To avoid further legal action, please confirm in writing within 14 days that you have ceased and desisted from the aforementioned conduct and that you will not engage in any such conduct in the future. 

If you have any questions or wish to resolve this matter amicably, please contact me at XXXX or XXXXXXXX XXXX XXXX 

This letter is written without prejudice to any other legal remedies or actions that may be available to me. 

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

I applied for FAFSA and was awarded federal pell grant at the time which was valued just about XXXX usd taking 2 to 3 classes at the time. There was even excess amount which the school credited to me. When I XXXX, I got reports on my credit couple of years later about owing loans. There was another student who carried the same initials and name as me but only thing that was different was our middle names. There is no way I owe the reported loans because I did not use any loans for school. Wrong identification .Last federal loan paid off was through XXXX XXXX and i have a letter from the US DEPARTMENT OF EDUCATION with payment complete.
Product: Mortgage

I purchased an FHA home 2 years and I was told that my loan is assumable. When I contacted Rushmore loans they told me that they don't do assumable loans and that FHA doesn't do assumable loans. They called XXXX and told me that i could call XXXX and they would tell me that FHA doesn't do assumable loans. When i contacted them they said they don't know why they would say that then they gave me me FHAs phone number. I'm looking to have someone assume my loan because I'm moving out of state and I'm told they don't do that.
Product: Debt collection

I sent a replay email from this company Recovery Solutions Group LLC stating that I have to pay this alleged debt and I had sent multiple mail and emails letter asking for a contract stating that I signed this contract and I'm obligated to pay this debt and now they are enforcing a UCC lien of my personal property assets to obtain the amount of the alleged debt owed and the original creditor already file with the IRS form 1099c and acquire a 3rd party from XXXX XXXX XXXX to enforce alleged debt with the UCC Lien file
Product: Mortgage

Penny Mac has failed to send me my Monthly Statements or Escrow Analysis via email or to my physical address. I called to resolve this and was told it is being sent and its probably the postal service losing my letters. I have USPS mail scanning service, I have record from USPS of every letter I receive at my house. I have every email I have received. I do not have record of any emails from Penny Mac with my Statements or Escrow analysis. I have not received any of the documents Penny Mac claims to have sent me via email or mail. I spoke to unlicensed supervisor " XXXX '' at extension XXXX. 

Since XX/XX/XXXX, here are the ONLY items I have received via Email or Mail from Penny Mac : XX/XX/XXXX Letter notifying of changes to Homeowners Insurance, XXXX Email stated Year End Statement available, XX/XX/XXXX Email 2FA confirmation email, XX/XX/XXXX Email confirming changes to Paperless Preferences.