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

I just recently looked over my Chex systems account and I noticed that I have a fraudulent account listed there. I will be attaching an FTC report containing the said account XXXX XXXX XXXXXXXX to be blocked FCRA 605B in 4 days. 
Thank you very much XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Despite the convincing contract, the funds were sent to a fraudulent recipient. Upon discovering this, I requested a refund from XXXX and Zelle, but neither company has been able to recover my funds or help track the individual through the accounts. They cited confidentiality of the information, even in light of the illegal action.
Product: Debt collection

I received a letter from collections from Collections Bureau of America for XXXX XXXX. I was never sent a bill. When I called XXXX water the representative was very rude and did not provide the requested documentation. After I asked when they sent physical bills out she would redirect question and asked why I didnt check my email. I advised that I have searched my email and also can not find any emails from them : when I asked her when emails were sent she could not provide information and instead stated she would be transferring me to a different agent and transferred me to the collections bureau
Product: Credit reporting, credit repair services, 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 XXXX XXXX. I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Product: Credit reporting or other personal consumer reports

Trans union continues to report false, inaccurate, incorrect information on my consumer report and refuses to provide me with a free consumer report as allowed by federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello PLEASE READ the items before responding. I am not looking for a rehash of the debt allegedly owed. Please respond to each item. 

1. The Barclay 's agreement states that I have a right to arbitration with the company XXXX. Do you agree that I have the absolute right to arbitration? 

2. I have properly notified you that I chose arbitration with the company XXXX through your attorney XXXX, XXXX XXXX XXXX XXXX. I have a signed card that the attorney has received this demand. 

I have attached the demand form. 

Please note I also sent the notices to XXXX and Barcalys. 

I filed and paid the {$150.00} filing fee. However XXXX returned the money as you didn't pay your required fees. 

You are legally bound to the contract. I demanded arbitration. You continue to report to the credit reporting agency. 

This is breach of contract, violations of fdcp, fcra and Massachusetts 93a laws. 

Since you did not arbitrate as required, I demand that you delete all items from the three major credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXXXXXX 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 XXXXXXXX
Product: Mortgage

This regards a 30 year fixed primary mortgage currently being serviced by Wells Fargo. This morning while talking with a bank representative, it came to my attention that the default way excess payments on my account are processed is not as most consumers including myself would assume. Apparently, paying extra and not specifying what to do with the excess results in the excess being applied to the following month 's payment. Thus, you are paying interest, PMI, taxes and principal e.g. paying extra in XXXX pays the XXXX payment first before paying principal. 

The bank mitigates with the following : Monies in excess of the following month being paid are applied to principal as expected. 
One can call and change the application to principal only ( within 3 months of the transaction ). 

It is possible some consumers want to pay the next months bill. However, it does not make sense as it means paying interest that would be lowered by paying principal. Furthermore, looking at the First Mortgage / Deed of Trust contract, in section 2. Application of Payments or Proceeds we find the following : " Such payments will be applied each Periodic Payment in the order in which it became due. Any remaining amounts shall be applied first late charges, second to any other amounts due under this Security Instrument, and then to reduce the principal balance of the Note. '' Since my account was and is in good standing, payments should not go to anything other than principal.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Duplicate Bankruptcy flings Entry on Credit Report Dear Sir/Madam XXXX I am writing to dispute a duplicate bankruptcy entry that appears on my credit report. Upon reviewing my credit report, I noticed that there are two instances of the same bankruptcy filing listed, which is inaccurate and misleading. I respectfully request that you investigate this matter and remove the duplicate entry from my credit report. 

Below are the details of the duplicate bankruptcy entry : Creditor Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX and XXXX mli Date of Bankruptcy Filing : XXXX and XXXX Court Name : XXXX XXXX XXXX XXXX XXXX I believe this duplication is an error, as there should only be one bankruptcy filing associated with my credit history. I have attached supporting documentation, including a copy of the official bankruptcy discharge papers, to verify that the bankruptcy was filed only once and has been properly removed. 

I kindly request that you promptly investigate this matter and remove both duplicate entry from my credit report. Please provide me with written confirmation once the correction has been made. 

Thank you for your attention to this matter. If you require any further information or documentation, please do not hesitate to contact me at the above-listed contact information. 

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

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer. an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : US DEPT ED acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX DEPARTMENT OF EDU acct # XXXX US DEPARTMENT XXXX XXXX acct # XXXX XXXX DEPARTMENT OF EDU acct # XXXX XXXX XXXX XXXX acct # XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had 8 late payment and 3 charge offs on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been Wait on payments of an attached copy of my report to this complaint on the following dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, charge off XX/XX/XXXX, charge off XX/XX/XXXX, charge off XX/XX/XXXX Im requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified, I demand Those payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Product: Money transfer, virtual currency, or money service

I was doing some online shopping at XXXX last night XX/XX/2020 I received multiple emails about my purchases that they were declined so I went back to Cash App where my money is currently being held then as I Noticed the app said funds are not available but the current balance in my cash app is a little over {$4000.00} so I tried sending a dollar to my husband and it still said Funds is not available tried reaching out to cash app to no avail I am currently laid off from work and those funds are for my unemployment I can not pay my bills or rent if I can not access those funds
Product: Mortgage

This is my 3rd complaint against Wells Fargo. I am trying to refinance my loan in a condo building in XXXX XXXX, Florida. I currently have my mortgage with WF and have for the last 10 or so years. All I need is a rate reduction and have been trying to do so for the last 8 months only to get the run around. They are saying the collateral is insufficient per investor guidelines, interpretating this they are saying the density exceeds allowed local/state requirements. I received a letter from the city of XXXX XXXX, I am attaching the letter, it states " Should the damage or voluntary removal of a portion of the structure not meet the aforementioned thresholds the structure may be rebuilt subject to the originally approved site plan ''. Wells Fargo is misinterpreting the letter and denying the refi. This is not a new purchase but a refi through the HARP program. They are also using the investor '' XXXX XXXX '' as the bad guy and XXXX XXXX has only said it is the servicer to make that decision. The condo association has ample insurance for the exterior and common areas, as well as I have ample insurance for the interior if and fact such a disaster should happen. Wells Fargo 's position is so Ludacris that if such a disaster occurred and if the city used new guidelines not the originally approved plans only a select number would be able to rebuild and the rest would be out of luck, I DO NOT THINK SO. It makes ZERO sense and the city did extensive research and concluded it can be built to the original approved plan. My other complaint with WF and they are COMPLETELY evasive with answering this, they refinanced another unit in the building in XXXX. Florida has every record that is recorded online and is public knowledge. All you have to do is go to XXXX County Property Appraiser '' Copies of recorded deeds and mortgages related to XXXX properties are available online at the XXXX County Records Division website. You may search for deeds, mortgages, liens, release of liens, court judgments, condo declarations, and various other recorded documents on their website ''. This is public information, Wells Fargo when I asked the specialist last time said " it has nothing to do with me ''. It has everything to do with me. We have the same address, same HOA just live in different units. Again, I am being discriminated against, a refinance with resolve this issue. Why is this so difficult?? My current rate is 6.75 % and it seems obvious that WF is cashing in on the interest and has made no effort to help me. The HARP program is suppose to help people, not hurt them
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 and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations. ]
Product: Credit reporting or other personal consumer reports

This company is reporting fraudulent inaccurate information on my credit report.I never had a contract with this debt collector for any debt. I have requested that they provide the master purchase agreement and the forward flow agreement to show full ownership of such account and also so i XXXX review to see if this is actually an account that belongs to me! This company has not provided me with that information they instead they uploaded a XXXX letter and credit card statements THOSE ARE NOT THE PURCHASE AGREEMENT!! The purchase agreement has not been shown to me so Portfolio Recov Assoc can not prove they legally own and can collect on this debt. THIS NEEDS TO BE DELTED FROM MY CREDIT REPORT ASAP!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX loan was paid in full on XX/XX/XXXX by insurance company and title was released to insurance company. XXXX coverage was selected but was not processed by dealer properly on loan documents. After loan was processed and submitted to XXXX XXXX the contract was determined to be either incorrectly stated or omitted for XXXX XXXX contract by dealer. This was not my error and XXXX coverage was selected and should have covered the difference and therefore no remaining balance was due. XXXX and their collection agency continue to report this as unpaid debt to credit bureau. I have disputed this several times. I phoned XXXX XXXX  on XX/XX/XXXX and the gentleman could not locate my account and stated he was transferring me to an Account Specialist but instead transferred me to their collection agency XXXX XXXX XXXX XXXX. They demanded payment but I did not contact them but was transferred to them by false misinformation.
Product: Consumer Loan

Quick Click has my information for a loan. I did not request the loan and did not know about the loan until I saw it on my credit report and challenged it on my credit report. In response I got a notice from a 3rd party that a lawsuit has been filed. I checked court records and it has been filed although I have not yet been served by XXXX. I did not take the loan out nor have they responded to my request for validation after I found it on my credit report. I am formally filing a complaint to log all of the debt collection violations they have done. They have not validated my debt and filed a lawsuit against me without validation.
Product: Debt collection

To Whom It May Concern, I am writing to formally lodge a complaint regarding the inaccuracies in the reporting of my account by Experian. The inaccuracy constitute a violation of the Fair Credit Reporting Act ( FCRA ), as articulated in 15 U.S. Code 1681e, which mandates consumer reporting agencies to maintain the maximum possible accuracy of the information they disseminate.

The current reporting of my account is erroneous and necessitates immediate CORRECTION. Specifically, it must be UPDATED IN COMPLIANCE WITH 26 CFR 1.6050P-1, which governs information reporting for discharges of indebtedness by specified entities. I have fully settled the account in question, AS PER THE CREDITORS POLICIES. I have submitted Form 1099-C for YOUR REVIEW AS PHYSICAL PROOF, which clearly indicates THE PREVIOUS BALANCE AS DISCHARGED AND REFLECTS a NEW balance of {$0.00}. Therefore, I formally demand that all three consumer reporting agencies rectify my account to accurately reflect its status as paid in full with a XXXX balance. 

The misleading nature of the current reporting not only contravenes applicable IRS regulations but also jeopardizes my creditworthiness and financial standing. Should this matter not be resolved expeditiously, I will have no choice but to explore legal remedies available to me under the FCRA, including the possibility of pursuing a lawsuit for damages resulting from this inaccurate reporting. 

I urge you to prioritize the correction of the account to reflect its accurate status as paid in full. I expect a prompt response and resolution regarding this matter. 

Thank you for your immediate attention to this critical issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several attempt to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. XXXX XXXX XXXX Open Date XXXX XXXX, 2021 Balance : {$250.00} This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Mortgage

Wells Fargo made false promises that if I submitted paperwork for a loan modification It would save my home from being foreclosed on they waited tell the time was up to tell me they would not approve a modification and then forecloses on my home given me no time to seek help from no other means
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One Auto accessed my credit card information for a " pre-approved '' auto loan.
Product: Mortgage

My problem started in XX/XX/XXXX even though I did n't know that. At this time, I purchased a property through Wells Fargo Home Mortgage. I felt something at the time but I shrugged it off because I was so happy to get something under my name. But as time goes on I keep on digging for information and things could n't make sense to me. I got very depressed. I literally pulling my hair over my head to contain my frustration. I was crying, my body was falling apart. I finally opened up to a good friend of mine whom referred me to make an official complaint through CFPB because I would n't be able to pay the legal fees. That is why I started making complaints to CFPB since XX/XX/XXXX, years after my struggle. I have never got a deed of the property until years after I bought the property and while I have never defaulted on my loan. I thought my pain was finally over when the deed got recorded. Think again! The mortgage satisfaction was not registered and the seller 's bank which has never got their money scheduled a foreclosure. Investors kept calling me day and night. I was literally pulling my hair over my head, I was crying and my body was falling apart. I had to hire a lawyer because Wells Fargo did n't believe me and was very reluctant to help me. I recalled that one of the reps told me to have my lawyer send them information because they could n't reach the seller 's bank. I had several reps on the case and the treatment was very harsh at times. XXXX XXXX was very mean and insulting. XXXX was cold and dismissive. I finally got XXXX XXXX whom I have to acknowledge did her best in this process. Now I have an issue : the water bill. It was never paid because I have never got one and as you can see it is still on the seller 's name even when I went to DEP to change the name. There will be a lien on the property if not paid as soon as possible. I did mention that to Wells Fargo and as usual it takes an eternity for them to reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX  XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report. XXXX   XXXX {$120.00}
Product: Debt collection

My XXXX XXXX credit card was cancelled closed in XXXX  supposedly by XXXXXXXX XXXX which put me into debt situation I lost my employment in XX/XX/XXXX now on social security XXXX, between then and XX/XX/XXXX interest built up around {$400.00} to account when account was turned over to XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX VA XXXX in XX/XX/XXXX I was served a warrant of debt by firm working for XXXX Scott and associates, p.c. XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX court date is set foXXXX XXXX XXXX  Scott and associates requested awards letter from social security administration to create hardship account, social security documents were sent to both Portfolio and law firm both say they don't have papers ; faxed from staples to Scott and associates and mailed to Scott and associates, emailed to XXXX. These are social security award letters with my social.sec. # apperarantly getting into wrong hands today I received an scam email commenting on my hard ship which I have only discussed with both plaintiffs.It was from a XXXX XXXX, and has my address XXXX XXXX XXXX XXXXXXXX XXXX
Product: Bank account or service

On XXXX XXXX, 2016, I wired {$420000.00} in my Ally Bank account. The Federal Reserve Receipt for this wire, XXXX, clearly dates receipt of the funds by Ally Bank as occurring on XXXX XXXX. I contacted Ally Bank by telephone at XXXX EDT XXXX XXXX and again at XXXX EDT requesting that the funds be booked into my account on XX/XX/XXXX to prevent the loss of one day 's interest on the funds. On both calls, I was told the Bank could not locate the funds despite having been given the Fed Reference Number. The funds were subsequently booked into my account XXXX XXXX, resulting in the loss of interest in the amount of {$11.00}. To date, Ally Bank has refused to credit my account for the day 's loss of interest, despite evidence that the Bank received the funds on XXXX XXXX. 
I filed a similar complaint against Ally Bank, Complaint # XXXX, for delaying by two days an Automated Clearing House transfer of {$150000.00} which occurred on XXXX XXXX, but was not booked into my account until XXXX XXXX, resulting in the loss of interest in the amount of approximately {$8.00} It is clear that Ally Bank is engaged in a pervasive scheme to defraud its ' customers by intentionally delaying booking the transfer of funds into its ' customers accounts in order to avoid having to pay interest on those funds. The savings to Ally Bank, and the loss to customers, is considerable given the number of fund transfers that occur over a long period of time.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX