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

XXXX auto account on credit report past XXXX years. Last payment was XX/XX/year> per credit report attached. When disputed they fraudulently report payments that were not made to extend the reporting therefore damaging my credit worthiness. 
The Fair Credit Reporting Act ( FCRA ), which is part of Title 15 of the United States Code ( USC ), protects consumers by regulating how credit information is collected and used by credit reporting agencies. Under the FCRA, negative information, such as late payments, collections, or bankruptcies, generally stays on a consumers credit report for up to seven years from the date of the negative event.

After this period, the information is supposed to be removed from the consumer 's credit report, which can help improve credit scores and financial standing.

Procollect account is fraud. I have filed police report and FTC identity theft report and submitted to transition. They deleted original creditor tradeline however the original creditor sold the tradeline and the collection agency is trying to collect. Please delete this account is not mine. Attached you will show the deleted result from XXXX XXXX of original account
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : XX/XX/XXXX Late Payment I am requesting to please remove the delinquent payment that was applied to my credit score for the month of XX/XX/XXXX. The delinquent payment was due to a bank error and not delinquency. The following is the history and background of what transpired. 

XX/XX/XXXX - I made my XX/XX/XXXX online XXXX mortgage payment. On that same day, I made {$4500.00} deposit into my bank account to cover the mortgage payment and any miscellaneous first of the month transactions ( bank account should have been credited {$4500.00} instantly ). 

XX/XX/XXXX - XXXX attempts to pull funds from bank account and is denied due to insufficient funds. 

XX/XX/XXXX - Bank deposits money into account 48 hours late. The bank does not know why this mistake happened as the funds were supposed to be instantly available. 

XX/XX/XXXX - I realize the mistake the bank made in not posting the funds immediately while looking at my bank account online. I promptly correct the issue and make the XXXX payment. 

XX/XX/XXXX - XXXX mortgage payment is made. 

XX/XX/XXXX - Receive credit score alert that my credit score now has a delinquent payment due to our mortgage payment not going through. I quickly called my bank and was furious. They couldnt explain why the check was not automatically deposited into my account as was done several times before. They apologized and promptly refunded the NSF / Overdraft Fees that occurred during that time period ( making my account overdrawn and unable to process the mortgage payment ). They also apologized and said there was nothing they could do about the missed mortgage payment but said to contact XXXX, explain the situation, and show the refunded NSF/Overdraft fees as validation of the mistake.

My wife and I are both self employed. I am a consultant and my wife owns a restaurant. This is the first time a late payment has hit our credit report. The reason why we had to push our payment till the end of the month was my clients were late paying their invoices and the restaurant is always slow in XXXX. XXXX has very much impacted our finances but we pay our bills and have no desire to apply for forbearance. This payment should have gone through without any issues and its incredibly frustrating! We will be switching banks because of this mess, I understand mistakes happen but this could have major implications on my score for years to come if its not corrected. 

We respectfully and humbly ask for you to remove the late payment on our credit report due to the honest attempt to pay on time ( XX/XX/XXXX ), extenuating circumstances/mistake with our bank, and our flawless payment history. 

Thank you for your consideration. 

XXXX XXXX
Product: Mortgage

In XX/XX/2020 I requested a forbearance to my mortgage due to Covid-19 issues, I was granted 90 days ( XXXX-XXXX ). I satisfied my forbearance payments along with current mortgage payments in XXXX and XXXX. On XX/XX/2020 I received notice that my forbearance period had ended, that I was current on all payments and had satisfied terms of forbearance. 

I'm in the middle of refinancing my property which Shellpoint Mortgage holds today. I requested the payoff amount and their showing a debit in the amount of {$6100.00} which should not be there as I'm current. I had a scheduled phone call with XXXX  XXXX on Monday XX/XX/XXXX at XXXX PST where he was to call me. I never heard from him so started to call him unsuccessfully. After many attempts, I did get his voice mail and left a message but have yet to hear back. 

I need this Pay-off corrected so that I can close on my new escrow and per the various people at Shellpoint, XXXX XXXX is the only person that can do this as he's assigned to my mortgage.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX : Account Number : XXXX Account Name : XX/XX/XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number:XXXX Account Name : XXXX : Account Number:XX/XX/XXXXAccount Name : XXXX : Account Number : XXXX Account Name : XX/XX/XXXX : Account Number : XXXX Account Name : XXXX : Account NumberXXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XX/XX/XXXX : Account Number : XXXX Account Name : XX/XX/XXXX : Account Number : XXXX Account Name :XX/XX/XXXX : Account Number : XXXX Account Name : XX/XX/XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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

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 XXXX u.s.c. XXXX 
Account Name .... XXXX XXXX XXXX Account # XXXX ... Account Name .... Capital XXXX .... Account # XXXX .... Account Name... Credit XXXX bank ... Account # XXXX .... Account Name .... Credit XXXX bank .... Account # XXXX .... Account Name... XXXX premier ... syncb/old na .... XXXX XXXX na ... XXXX XXXX .... 15 u.s.c 1681 section 602 A. state 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 an account without my written instructions.

15 u.s.c 1681 c. ( A ) ( 5 ) section states : no consumer reporting agency may make any 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 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate...
Product: Vehicle loan or lease

On XX/XX/2022 ally financial sent me a congratulatory letter for paying off my vehicle and the blank title for the vehicle. 

On XX/XX/2022 I mailed a letter and the original blank title to the Maryland XXXX XXXX. 

On XX/XX/2022 I received a letter from XXXX XXXX dening my title and alleging it was not the original and requesting monies and stating it must accompany a XXXX XXXX XXXX and alleging that the title was a duplicate in which she returned.
Product: Mortgage

I have been paying my mortgage without missing any payments and my mortgage company send me a letter on XXXX saying that I own them money and I send them proof of payments made and cashed by them since then and I have no answer from them. they keep sending asking about all that money and they hired a lawyer to star foreclosure I send the lawyer all the proof of payments no answer from them neither and the mortgage company is not accepting my monthly payments I keep sending them my normal monthly payment and they send it back to me because they said I have to pay total amount I own. since 3 months ago they are sending me back my payments.
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 Proctection Act ( CFPB ). 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 actions 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

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belongs to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which iare found to be opened due to identity theft. The dispute items do not belongs to me. Im attaching the required FTC Report for you and the bank 's records. The following items needs to be remove : XXXX XXXX XXXX, XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX CAR XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$6800.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$2200.00} ; XXXX XXXX XXXX XXXX Unpaid Balance {$830.00} ; XXXXXXXX XXXX XXXX  XXXX Unpaid Balance {$93.00} ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX, XXXX, TX, XXXX ; XXXX XXXX XXXX, XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX XXXX Balance : {$2200.00} ; XXXX XXXX XXXX XXXX Unpaid Balance {$830.00} ; XXXX XXXX XXXX Unpaid Balance {$0.00} ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$6800.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$2200.00} ; XXXX XXXX XXXX Unpaid Balance {$830.00} ; XXXX XXXX  XXXX Unpaid Balance {$0.00} ; XXXX XXXX XX/XX/XXXX. 

If you feel there is a possibility these items belongs to me I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that each accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly.
Product: Bank account or service

I had deposited a check into my Wells Fargo business account on XXXX/XXXX/16 from a check from a XXXX account. Wells Fargo had placed a 5 day hold on that check pending verification. On the next day, XXXX/XXXX/16, the check had cleared the XXXX account and was no longer there. Funds had been transferred to Wells Fargo. But they still did n't release the hold. I had fought with them for a week, in the process having my account go into a overdraft situation therefor incurring fees while the account was technically not negative. I repeatedly called the customer service number and nobody could explain where my money was, just that it would be available on XXXX XXXX ... .well over a week away. I had told them I have verification the check cleared, why do n't they. And again no answer. 

I know they have done this numerous customer via website chat rooms about Wells Fargo. It looks like they are using are money to play with to cover the fines they accrued in this latest round of corporate misdoings. This is not fair and they should be fined for this.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date XXXX XXXX XXXX XXXX Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX XXXX
Product: Checking or savings account

I am writing to file a complaint against navy federal credit union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged and credit. This issue align with the recent CFPB finding against navy federal for similar practices, where transactions settled with insufficient balance despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Checking or savings account

I am a Chase retail bank customer who has used the XXXX online payment feature for several years. This feature was arbitrarily removed from my account on XX/XX/2021. 

Explanation provided : We deleted the following contact options from your XXXX profile because you haven't received money using them in the past 12 months, and we didn't get the requested reverification from you within 30 days. 

Yes, I have never RECEIVED money via XXXX. I used it to SEND money. Chase has, apparently, decided to offer a service with the word pay in it, yet has restricted/removed/conditioned it because I do not receive funds via this method. This limitation is a non-sensical one-way street, leaving customers like myself with the distinct impression that Chase uses their dictatorial powers to mislead and inconvenience good customers without any justification whatsoever. This is exactly the type of unchecked abusive action by a major bank that needs to be the focus of regulatory change.
Product: Mortgage

Greetings, Recently I decided to refinance my VA Loan. The agreed upon terms were a 20 yr fixed VA mortgage@3.125 %. Provided necessary documents to get the process started to XXXX XXXX ( Senior Loan Consultant ). 

Received application/documents from XXXX XXXX requesting signature. My response to her was, " Before documents can be signed, please make all correction to all handwritten changes. '' Of the requested changes, Check the box to lock interest rate was XXXX of many discrepancies ( see attached ). XXXX XXXX refused to check the box to lock interest rate. 

And as we are nearing closing, approximately $ XXXX is being requested to extend the rate lock to process the loan. Only XXXX Loan Estimate dated XX/XX/XXXX was provide with the box checked indicating the rate was locked reflecting an increase in the interest rate from 3.125 % to 3.250 % and total loan amount of {$360000.00}, XXXX of XXXX scenarios to cover the cost of a rate lock extension as stated by XXXX XXXX. ScenarioXXXX : On the loan estimate, Increased total loan amount to {$370.00}, XXXX with interest rateXXXXXXXX. 

The Loan Estimate I signed on XX/XX/XXXX was with total loan amount of $ XXXXXXXX3.125 % with a request to correct the total loan amount. As you can see, total loan amount was corrected {$360000.00} but rate was changed to 3.250 %. Documents and Loan Estimate was provided by Home Point Financial, XXXX XXXX XXXX, XXXX XXXX, XXXX, NJ XXXX. Rate lock extension is not needed being that rate was lock on XX/XX/2016 as indicated on Loan Estimate dated XX/XX/2016. I 'm requesting to have the loan to reflect the correct total loan amount ( {$360000.00} ) and correct terms of ( 3.125 % XXXX ). Time is very important. Loan Estimate indicates rate lock is until XX/XX/2016. I 've attached various copies of e-mails, Loan Estimates and application forms. 
Thank you, XXXX
Product: Credit card

UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, XXXX, I XXXX PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT EXISTS
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  is a Debt collector having a place of business at XXXX XXXX XXXX # XXXX, XXXX, IL XXXX. They are collecting a debt real or alleged found on my XXXX and Trans Union credit, therefore they fall under the rules and regulations as set forth in the FCRA and FDCPA. I am making you aware of a indecent of a violation of these laws. On XX/XX/2023 a single payment towards the debt in question was remitted for the amount of {$1.00}. The balance due prior to this date was {$730.00}. Once that real payment was processed they did in fact update showing that they took the money as shown on the XXXX XXXX XXXXXXXX XXXX to XXXX with the new balance as of XXXX being {$730.00} with a report as shown generate XXXX XX/XX/2023. On that very day or just prior to we initiated a validation of debt complaint Via XXXX  it is my/our right per the FCRA and FDCPA. On the XXXX of XX/XX/2023, the XXXX dispute was updated by the XXXX with a change a increase of XXXX XXXX to the balance. 

I submit : 1 ) This a clear violation of the FCRA section 609 in regards timely and [ accurate reporting. ] 2 ) A violation of the FDCPA in regards harassing the consumer as this move of willfully negating any and all payment s then reporting a balance increase was malicious in intent and in the context usher forth, a form of punishment for opening a lawful validation of debt complaint though the XXXX XXXX XXXX 
Each one of these a {$1000.00} per violation under the FTC and would be enforceable adjudicated in a Civil court.
Product: Debt collection

I have no knowledge of this company. 

They reported to the XXXX credit that I had a delinquent account. I have not received anything in the mail from this company known as Medical Data Service. They claimed that they sent me information via mail but could not provide me with any tracking information. They then claimed they sent me a text which I did not get. When I asked them to provide me proof that any of this information had been sent they refused to provide me with proof. I spoke to the supervisor XXXX XXXX that stated all of this information. XXXX also said that they " are a XXXX known as Medical Review Services '' This company is trying to scam me to get them to pay them when they are not even the orginal company that owned this dept. First is was XXXX XXXX XXXX, then it was Sent to XXXX and now it has been sent to Medical Data Service DBA Medical Review Services. They are the third dept collector to try and get this dept settle from 2023. They have not provided me with proof of this dept they claimed they did but they do not have a tracking number or anything. They have reported this to my credit without giving me the opportunity to validate this dept.
Product: Checking or savings account

I am a victim of identity theft and have been struggling for the past two years to remove fraudulent information from my credit reports. While I was outside the U.S., several unauthorized accounts were opened in my name. One of these is a credit account with Bank of America, which Ive been trying to remove from my credit reports for the last two years. However, my claims have been repeatedly rejected.

Today, I received a call from Bank of America explaining that the reason for the rejection is that payments have been made from a Bank of America checking account into the fraudulent credit account. I was unaware that a fraudulent checking account was also opened in my name at Bank of America. 

In order to resolve the issue with the fraudulent credit account, it appears the fraudulent checking account must be addressed first. Unfortunately, I have no information about this checking accountno account number, no opening date, or any other details. 

I have attached a police report, an identity theft report, and my XXXX as proof that I was out of the country from XXXX until XXXX.
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the inquiries in my file that resulted from alleged identity theft but I have some inquiries left that need to be removed. Per FCRA XXXX XXXX you are required to remove any inquiries listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

USAA credit card banking lied to me about the card benefits when I opened the credit card. When I closed the credit card they will not give me the rewards I earned on the card. I am being punished for closing a credit card that was sold to me based on a lie. I called in asking what credit card offers were available to me because I was looking for a 0 % on purchases cards. I had a conversation were I explained multiple times why I wanted a 0 % on purchases, not balance transfers. The USAA representative told me the card was 0 % for both transfers and balance transfers. I used the card for travel and when I returned called to find the first due date only to find out I was lied to that the credit card was 0 % on purchases. I paid the full amount during that phone call and closed the account. Now I am being told I can not redeem the {$45.00} in rewards due to me for using the credit card.
Product: Credit card or prepaid card

Made a payment on my account XX/XX/. The company said the payment did not go through and closed my account. I had never been late on this account.
Product: Checking or savings account

On Saturday at approximatelyXXXX, we went to the Huntington Bank located in XXXX XXXX and tried depositing {$6300.00} into an ATM machine. The ATM machine immediately took the money and began showing signs of error and took the entire amount without providing a receipt. The machine went into malfunction and showed a sign that said " currently unavailable deposit ''. I immediately called the after hour customer service number and filed a dispute. I also called and left two voicemails to the local branch. On Monday I visited the local branch without recieving any assistance or reassurance that i would get my money back. I reached the dispute team and spoke with a dispute manager on duty and they escalated the process. However I still have not receive an update from the local branch nor the dispute team.
Product: Credit reporting or other personal consumer reports

I the personal representative for the Principal have sent numerous correspondence to XXXX, XXXX, AND EXPERIAN telling them who the Principal is and why they shouldn't be displaying information to anybody about a Fictitious Entity. It all started in XXXX I even sent a authenticated Birth Certificate which displays a full faith and credit for this Entity. No reply and the Credit Reporting Agencies still want to display erroneous, false, incorrect, theft by deception information that the Credit Reporting agencies have on file and they know it is not the real living man or woman.