23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX. Please delete.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I initiated an investigation with this company to dispute unknown and inaccurate items on my credit report. Until this day, XXXX, which is over 60 days later, I still have not received a response. This company feels that they can get away with ignoring me since they think I have no recourse but I am writing to you ( CFPB ) to help me with this situation and ensure they are adhering to the law. Section 611 ( a ) of the FCRA, clearly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been MORE than 60 days these items should be deleted right away. I require these accounts be deleted immediately or I will file a lawsuit due to the damage this situation has caused. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Debt collection

On XXXX XXXX, 2015, someone identifying herself as XXXX from the Law Offices of M.L. Zager, P.C. contacted a third party about a medical bill. They contacted, by phone, a relative who lives in a different household and has nothing to do with my finances at all, asking about me and saying I owed them money. The phone number they called is not a phone number that has ever been associated with any of my accounts, so I do not know how they got it.
Product: Mortgage

I was placed on covid forbearance since XX/XX/2021 which really helped during difficult times. When the forbearance ended, I contacted my mortgage company XXXX Idaho Housing and Finance Association ) to see what my options were. They informed me that I could do loan modification or just resume payments. If I was to resume payments that all the months that I did not make payment due to the covid forbearance will be reported as unpaid and will greatly impact my credit. I spoke with a couple of representatives that informed me of the same thing. I was very upset to find that the help I thought I was receiving during this trying time will very much hurt me financially. I assumed that this was a great program to help all Americans struggling but was dreadfully very much wrong. Feeling that I had no other choice but to do a loan modification. I thought that federal government enacted measures to help. Renters received billions in ad and did not have to pay anything, but homeowners ultimately did not receive any help. Homeowners must pay either by refinancing payments or putting at the end of loan. Moreover, having credit being negatively impacted. I spoke with other homeowners under different mortgage companies, and this was not the same case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT. I SENT COPIES OF MY OFFICIAL POLICE REPORT AND DISPUTE LETTERS OF THESE ACCOUNTS BY CERTIFIED MAIL SEVERAL TIMES TO THE CREDIT REPORTING AGENCIES, HOWEVER THE ACCOUNTS ARE STILL REPORTING WITH NO DELETION OF THESE FRAUDULENT ACCOUNTS. ACCORDING TO THE FAIR CREDIT REPORTING ACT I HAVE RIGHTS UNDER 15 USC 1681 THAT HAVE BEEN VIOLATED. THESE ACCOUNTS LISTED BELOW HAVE VIOLATED THE FOLLOWING LAWS LISTED BELOW 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 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 : states a consumer reporting agency can not furnish an account without my written instruction.

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, 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 or has reasonable cause to believe the information is inaccurate.
Product: Debt collection

In or about XX/XX/2017 we went to XXXX outlet store to purchase a mover. We put money down and financed the balance with " Why not Lease it '' two weeks later we returned the item because it was not working properly. The sales person was preoccupied with another store worker and he took the item back and said he will contact the financing company to cancel lease. A week later the store closed permanently. We assumed it was all straighten out. Now the leasing company sold my account to Security Credit Services. They have put this on my credit report as a collection. I called them ans explained what have happened. They still want this ridiculous amount of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : 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 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 XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I called Wells Fargo every day to insure that they had received my covid forbearance package. Every day they said no, from XX/XX/XXXX to XX/XX/XXXX. They assured me over the phone with a different customer service representative each time that they are processing the forbearance and there is nothing to worry about. I called them for the last time on XX/XX/XXXX and they advised me to send in my monthly payment. I did that and 2 weeks later I received the check back along with a foreclosure notice to be active in 7 days. I had no option but to retain an attorney and file for chapter XXXX. I have owned my house for 24 years now and what they did was wrong, false information, denial for relief, etc.. Now a trustee has been taking {$2000.00} a month out of my paycheck and that is difficult giving the state of inflation. The struggle is real!
Product: Money transfer, virtual currency, or money service

I am filling a complaint againt Cash app ( Block inc. ) Due 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 thier platform.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for collections. I have tried numerous times to have this situation resolved with no resolutions. ACCOUNTS : 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
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXXXXXX XXXX XXXXXXXX # XXXX, Account name : XXXX XXXX XXXX  # XXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) 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 ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On this day XX/XX/2021 precisely at XXXX EST upon checking my credit report I noticed a billing error on my XXXX XXXX account ending in XXXX under XXXX XXXX Code XXXX ( b ) billing error- ( XXXX ) The creditors failure to reflect properly on a statement a payment made by the obligator or a credit issued to the obligator. 
( XXXX ) A computation error or similar error of an accounting nature of the creditor on a statement. 
As I know the creditor didn't notify me XXXX  days before with a statement so there should be no late payment on this account. I demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because this clearly is a billing error. 

This late should be updated to OK as agreed on my consumer report immediately. 
Under XXXX XXXX XXXX XXXX Permissible purposes of consumer reports ( A ) In general, subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other. 
( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 
Under XXXX XXXX XXXX XXXX Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer credit report.
Product: Credit card or prepaid card

Synchrony Bank Amazon store card. They rope you in with XXXX XXXX interest payments but then the bill is super confusing. Their webpage is confusing as well and no where on my billdid it explain purchases or terms. That was one problem. 

The other problem and the one that made me furious is this company takes a minimum payment from you even in a month where you pay your statement in full. I had to drain the account of funds connected to make payments and sure enough I see all these attempts to take money I am NOT authorizing and I contacted their customer service several times and even gave the benefit of the doubt and continued using them. Then once again I went to pay my bill and I could see in my statement the last payment I made was canceled and rejected then went though. None of that was my doing and if I look further down its showing another attempts they made. Of course when I confronted them on this they blamed me. But why would I do that? Why would I pay my statement in full and then make another minimum payment? Why would I set up an auto pay for a certain date then you try to take the funds and cancel it and XXXX around ( they were trying to take it sooner than I authorized! ) This company is corrupt and also once again I tried to take advantage of the XXXX XXXX financing and I was not able to because they do not specify what the total cost of the bill is and what amount is good for the promotion. So Im frustration and to not incur interest I paid it off in full. Then I get a screen that tells me that since the bank account on file has had a rejection I need to sue another account. And that was all because THEY were trying to take payments not authorized to take. I certainly wasnt going to give them access to any other account I maintain.

I know it is a federal felony to take money over a wire from an FDIC institution and I want this bank held accountable. 

See attached files. I did NOT authorize those rejected payments. And they got one {$29.00} payment before I realized what was going on. Also I would like to point out the larger payments I did authorize I paid my bill in full every month EARLY and they played games with me and my accounts.
Product: Credit reporting or other personal consumer reports

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

Account - XXXXXXXX XXXX Disputed late payments and report came back updated but there was NO change. Experian failed to properly investigate and remove inaccurate late payments reported on my credit profile.
Product: Payday loan

I received a payday loan from cash central. When the company tried to debit my checking account, I did n't have the funds deposited and it went back as NSF. I got an email from cash central asking me to schedule a day for the original amount ( {$230.00} ) plus a fee for the NSF bringing the total to {$270.00}. I arranged payment XXXX/XXXX/2016 for a payment on XXXX/XXXX/2016. Cash central instead pulled {$270.00} from my checking account on XXXX/XXXX/2016. The payment cleared because I had the funds to cover it. The company then again withdrew {$270.00} on XXXX/XXXX/16. When I sent screenshots of my bank account showing XXXX payment as cleared and XXXX as pending and a phone number to my bank ( XXXX bank who said that cash central could call to stop the pending transaction ), cash central refused and said I would have to send them proof once the second payment had cleared for {$270.00}. A customer service representative also told me on the phone that the company had no way of telling if the loan had been paid or not and I would need to prove both payments. All my correspondence happened with cash central on XXXX/XXXX/16. 
I am going to XXXX today to get a print out with their requirements to prove cash central took this payment twice but I do n't feel like I should have to prove that this company has stolen {$270.00} of my money. Their accounting is flawed or they simply want to steal people 's money b
Product: Credit reporting or other personal consumer reports

This credit bureau is publishing and reporting a public record on my consumer file or report without my written instructions. I also submitted a dispute with the original furnisher in which updates where made and requested this credit bureau as per 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ) to provide a description of the procedure used to determine the accuracy and completeness of the information disputed and they have not. The results that I received from the dispute is that the record was verified as accurate and no description of the procedure that was used to determine the accuracy and completeness of information was provided.

My dispute is not about the accuracy of the public record its about that fact as per FCRA law that they are not allowed to publish or report this on my consumer file or report without my written instructions.

I have reason to believe that this credit bureau is not actually accurately verifying the information as per FCRA rules but telling me that they did.

Also as per FCRA 15 US CODE 1681 ( a ) ( 2 ) ( b ) ( a ) In GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( b ) Conditions for furnishing and using consumer reports for employment purposes I have not provided written instruction for them to publish my public record on their report. I have the right to my privacy as per FCRA.
Product: Checking or savings account

XX/XX/XXXX Called customer service and was asked to verify my identity.

The agent verifies my identity and then I am being transferred to a " specialist ''.

The specialist line is offline, and I lose my queue.

I re-queue and call, and another agent verifies my identity.

However, this time, the tells me I need to call back at another time of the day because the the specialist line is now closed.

The back-and-forth calls lasted for over 20 minutes. 

XX/XX/XXXX Another series of calls with reaching customer service, getting my identity verified, and then being told that they need to transfer me over to another specialist for the call.

I am holding in queue once again,, and the agents tell me to give the line a call back another time.

This is another 20 minutes. 

XX/XX/XXXX Another series of calls and holds where this time, after getting my identity verified, I am transferred to a specialist who actually responds this time.

However, they specialist tells me they need to ask me another set of questions to verify my identity even though I have already done so with the first agent.

The extra part was, they required having to transfer to a 3rd agent as they have some " special '' questions to ask me in order to send my phone a OTP passcode.

However, the offices of the 3rd agent are not open.

I once again have lost my queue due to the constant back-and-forth with passing my calls from one agent to another to another. 
This is yet another 20 minutes of my time.
Product: Mortgage

I pay my mortgage payments to a servicing company on a monthly ACH. Beginning in XXXX through XXXX, my payment was being withdrawn from my account, but not being applied to my mortgage. They were being put into an account, " unapplied funds ''. I found out because when I noticed my XXXX payment had not been deducted from my bank account by the specified date, I called customer service. It was then that I found out that there was over {$5000.00}. in this " unapplied funds '' account. By now they were saying I was delinquent on my loan. I have all of the ID numbers on my bank statements to prove the funds had been removed. 
The amount of the unapplied funds was {$7000.00}. It has finally been updated, but even after it was properly applied, I received a statement dated XX/XX/2022 stating I was 133 days delinquent. 

Not only did they not apply my mortgage payments, but in XXXX, XXXX, I paid {$500.00}. towards escrow. It had been applied to the mortgage, and it took me a few months to get that sorted even though I wrote " escrow only '' on my check which was attached to a payment coupon from the company that said " escrow payment ''. I got that sorted in XXXX and it was not applied to my escrow until XXXX, and I see no acknowledgement on my statements or any other correspondence, just what the customer service rep told me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 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
Product: Debt or credit management

CURRENT LOAN SUMMARY CURRENT LOAN BALANCE : {$15000.00} INITIAL LOAN AMOUNT : {$36000.00} APR : 15.97 % PAYMENT SCHEDULE NEXT PAYMENT : {$790.00} Auto-Pay on XX/XX/2024 LAST PAYMENT : {$790.00} Auto-Pay on XX/XX/2024 This is from XXXX XXXX. We have tried for two years to talk to someone. We cant. Even emails go unanswered and now the phone is disconnected.
Product: Mortgage

Good morning, Since XXXX I have been in communication with my mortgage as well as with the XXXX XXXX XXXX XXXX XXXX  ) department about the status of my payments. Since XX/XX/XXXX I was approved for the XXXX XXXX XXXX for XXXX future payments. The months of XXXX to XXXX with a little delay but were applied to my account with no issues. Since XXXX no XXXX  payment has been applied and when I contact XXXX  they tell me that they send the checks every month. They also told me that they send checks in large amounts since several accounts are included to be paid. I have contacted almost every day since XXXX ( almost XXXX  months ) loss mitigation, and they tell me that XXXX is having issue with the process of applying the payments also that the only things they can do is an escalation to the department that deals with applying payments as well as send a email to the XXXX department for more details. But unfortunately to this day I have only received the same response. 

XXXX XXXX ( XXXX XXXX XXXX XXXX ) XX/XX/XXXX, XXXX PM XXXX RE : XXXX Please be advised I have forwarded the borrower 's payment concerns to the business unit for review. I will follow up shortly to provide a status update. 

Have a great day. 


XXXX XXXX Thank youXXXX XXXX XXXX This is always the same. How in XXXX  months no one can get a solution and resolve this matter.
Product: Credit reporting or other personal consumer reports

After XXXX years of paying off my bankruptcy, I finally finished. I pulled my credit report. I noticed there was a address on my Credit report that I never lived. The address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I called XXXX XXXX and told them that is a false address. The lady i Spoke too said she would look into it. I asked for a reference number of which she said, they don't do that and she said just call back after XXXX days. I disputed several times and it's still on my credit report. Upon my own research, XXXX was business building that was/ is torn down. It really bothers me because, I have been working really hard to clean up my Credit report and now I have some address that is Completely NOT CORRECT.