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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX RE : Last 4 SSN : XXXX To Whom It May Concern, This letter is a follow-up to my original letter dated ( XX/XX/XXXX ) regarding the accuracy of your credit reporting. Specifically, as it relates to credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXXXXXX XXXX  ( XX/XX/XXXX, XX/XX/XXXX ) I did not authorize anyone employed by these companies to inquire and view my credit report. This violates the Fair Credit Reporting Act Section 1681 b ( c ) and is a serious breach of my privacy rights. 
I am making this final goodwill gesture to allow you to correct your erroneous reporting. I am maintaining a careful record of my communications with you to file a complaint with the Attorney General 's office and CFPB, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX ; XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. 
Failure to respond satisfactorily within 30 days of receipt of this letter, may result in a small claims action against your company, seeking {$1000.00} per violation for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violations of the Fair Credit Reporting Act
Product: Consumer Loan

- Continuous harassment - Threats of repossession for a paid for vehicle - Ignored a certified letter requesting XXXX to cease communication - Sent false information to all credit bureaus ; Sent negative information to a credit bureau before sending a bill for that debt - Refuse to correct false information after it become aware of their mistake and have acknowledged their error. 
- Never able to clearly state what was being charged, and why ; never provided a written consistent bill - Refused to deliver a title for a vehicle that is paid for since XX/XX/2010 - Still reports an account as " charged off '' when it has been paid in full for years.
Product: Mortgage

My mortgage is in foreclosure and I have filed for a loan modification. I have filed all the paperwork involved. This package was completed and submitted by XXXX/XXXX/16. My understanding is that under CFPB rules the bank had 30 days to respond to my loan modification submission. This has not happened. We are in mediation within the state of New Jersey and I believe that the institution involved, Ditech, is dual tracking this foreclosure action and not negotiating in good faith. I have asked for all original documentation and wet ink signatures regarding this mortgage and they have been unwilling or unable to provide the documents.
Product: Debt collection

AWA Collections is reporting multiple collection accounts to my credit report, without notifying me with a notice in accordance with 15 United States Code section 1692g ( a ). 
I have contacted them with a letter to remove these accounts because of their failure to abide by the law and they have refused.
Product: Debt collection

XXXX XXXX XXXXXXXX XXXX XXXXXXXX and today {$2500.00} I can't to pay a total amount but I can to pay {$70.00} per month
Product: Credit reporting, credit repair services, or other personal consumer reports

Previously, I made an investigation about this account with incorrect information and after checking your responses, I recognized that the same account is still incorrect, with a confirmed status. Please correct the account listed below : XXXX XXXX XXXX XXXX XXXX Balance : {$790.00}
Product: Debt collection

I recorded some of the conversations with them, after the flood I hope i can find them. They gave me the run-a-round on this for over a year. They quoted prices and when I paid them they tried to come back and get more money. I 'm currently paying on a bill they said was at the lawyer, then back to them. back and forward. They 're liars. They bought up all my collections ( I lost my job ) with the threat that the lawyers would take over my case.
Product: Debt collection

I talked with a representative by the name XXXX to inform them they have the wrong number. I used the company answering menu which states that if they reached a wrong number to indicated so and I did. I have received XXXX calls and messages each day for over a week and it has not stopped even after informing the company that they have the wrong number. The company name is XXXX XXXX? XXXX is the number I called to have them stop calling me but I am still getting calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was fraud, I did not have a deals with this company and never signed any document. Some one used personal information and opened account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent an investigation request to Trans Union on XX/XX/XXXX. THey were supposed to respond within 30 days, but they have not.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against EQUIFAX, XXXX, & XXXX, regarding a violation of my rights and the inaccurate information being reported on my consumer file. This inaccurate reporting has not only caused financial distress but has also had a severe impact on my mental wellbeing, resulting in XXXX for both myself and my family. 
I BELIVE EQUIFAX, XXXX, AND XXXX, has violated the Fair Credit Reporting Act ( FCRA ), specifically Section 611, which mandates that consumer reporting agencies maintain accurate and up-to-date information on consumer files. In reviewing my credit report, I have identified the following inaccuracies : These inaccuracies have had a significant and detrimental impact on my financial profile and my ability to secure credit, loan approvals, and reasonable interest rates. Despite repeated attempts to rectify these errors, I have not received a satisfactory resolution from EQUIFAX, XXXX, AND XXXX I would like to bring to your attention the profound impact that this situation has had on my mental health and the overall well-being of my household. The constant stress, anxiety, and uncertainty caused by these inaccuracies have plunged my family into XXXX, affecting our quality of life and ability to function optimally. 

I kindly request the Consumer Financial Protection Bureau to immediately investigate this matter and take appropriate action against THEM. I believe that the inaccurate reporting and their failure to rectify the situation has not only violated my rights under the FCRA but has also caused significant harm to my household. 

Please find enclosed copies of supporting documents, including credit reports, correspondence with, and evidence of the impact on my family 's mental health. I trust that the CFPB will act promptly and diligently to rectify this situation Thank you for your attention to this matter. I look forward to a swift resolution and justice being served.
Product: Money transfers

On XXXX XXXX my daughter transferred money to my paypal account. On the XXXX I called paypal since I could n't get any response from my requests online. I was told that the money had gone to my bank and should be in my account. I contacted my bank XXXX, they informed me that the money had not been received in my account and they did n't know where it was. I contacted paypal and the issue a trace to locate the funds. On the XXXX of XXXX I was told by XXXX a paypal Customer Rep. She informed me that the money was put in an account number that was not mine, it was one number off. This was and is confusing to be as I did not verify this account number and in the mean time I had made a purchase and the fund had been taken from my correct account number. During this time I spoke to XXXX on XXXX, XXXX on XXXX, XXXX again on XXXX, XXXX on XXXX, on XXXX I spoke to XXXX XXXX, XXXX I spoke to XXXX, On XXXX I spoke to both XXXX and XXXX, I spoke to XXXX on XXXX, and on XXXX I received a message from paypal to let me know that the funds could not be returned to be me as the bank denied the reversal. I have been speaking to XXXX and XXXX at the local branch of the bank all along and when I called to check on the denial XXXX let me know that there are several reason that the transaction could be denied but she was unable to tell me anything about this because of privacy. I am at my wits end and do n't know what to do at this point. If I did n't verify the account that the money was sent to why do n't have I my money back. Please Help
Product: Mortgage

I am submitting this complaint for my Client XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, Id. I am her XXXX XXXX XXXX with XXXX XXXX XXXX in XXXX Id. I have sent you a complaint previously about Wells Fargo and their handleing of the short sale. There is a Foreclosure Sale date set for XXXX XXXX, 2015. They have had an offer for some time and keep asking for more documents. I was just told by Wells Fargo Customer Service another appraisal or BPO was ordered. If the appraiser is very far out there wo n't be enough time to work the offer. Wells Fargo approved on offer for {$180000.00} and I have a full approval letter to close but the buyer 's lost their financing. Then Wells Fargo ordered a BPO and it came back at {$200000.00} just a few months later. The property In XXXX, Id did not increase in value {$29000.00} in just a few months since the seller has not done anything to the property. I believe Wells Fargo is stalling so they can foreclose on my client. I believe Wells Fargo has caused her undue harm and stess in this situation. If they can accept {$180000.00} once I do n't understand why they are not accepting the offer they have for {$180000.00}. Please check into this file. The processers who is assigned to the file is XXXX XXXX XXXX XXXX or XXXXXXXXXXXX. Please for the customers sake check into this matter. I believe Wells Fargo is not keeping the customers best interest in mind and they are not trying to help their customers. Thanks XXXX XXXX XXXX
Product: Debt collection

THE ACCOUNT YOU HAVE IN MY NAME NEEDS TO BE PERMENTLY REMOVED OUT OF YOUR SYSTEM.AND REMOVED FROM MY CREDIT REPORTS. XXXX XXXX XXXX. THE ORIGINAL CREDITORS WAS OPENED WITHOUT MY KNOWLEDGE THE ACCOUNTS WERE UNAUTHORIZED WHICH ENTAILS IT SHOULD HAVE NEVER WENT TO YOUR COMPANY FOR COLLECTIONS. 
I HAVE DISPUTED THESE ACCOUNTS BEFORE WITH XXXX XXXX XXXX. XXXX XXXX XXXX AND SPRING OAKS CAPITAL YOU CLOSED AND " SOPPOSEDLY '' DELETED THIS ACCOUNT FROM YOUR " SYSTEM '' FOR THE REASONS IVE STATED HERE. FOR SOME ILLAGETAMATE REASON, ONLY XXXX KNOWS WHY YOU REOPENED THE ACCOUNTAND REPORTED IT BACK TO THE CREDIT BEAREAUS AGAIN. WHAT IS WRONG WITH YOU PEOPLE! NOTHING HAS CHANGED, NOR IS IT GOING TO, WITH ALL DO RESPECT HOW MANY DIFFERENT WAYS AND DOCUMENTS DO I HAVE TO SEND TO YOU FOR YOU TO REALIZE THE ACCOUNTS ARE NOT MINE.. 
ALSO YOU HAVE NO SIGNED DOCUMENTS, CONTRACTS WITH MY WET SIGNATURE ON IT YOU NEED TO PERMENTLY CLOSE AND DELETE THIS ACCOUNT FOR GOOD OUT OF YOUR SYSTEM AND REMOVE THE ACCOUNT FROM MY CREDIT REPORTS, ALL XXXXYOU ARE VIOLATING MY CONSUMER PROTECTION RIGHTS UNDER FCRA U.S.C.15 SECTION 604A , 602A AND 607 I HAVE ENCLOSED DOCUMENTS FOR YOUR CONVIENCE AGAIN IF NEED BE I WILL PROCEED WITH LEGAL ACTION THANK YOU FOR YOUR COOPERATION ACCOUNTS TO BE REMOVED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SPRING OAKS CAPITAL XXXX XXXX XXXX
Product: Mortgage

M & t Bank, a non-party to my mortgage loan, is inserting itself and interfering with my Notice of Grievance to the owner and note holder of my mortgage loan. I am concerned that M & T Bank may have used my nonpublic personal information to insert itself into communications between myself ( the borrower ) and the note holder. 

In paragraph 2 of their letter ( see attachment m & t_bank_letter.pdf ), M & T Bank made multiple false, deceptive, or misleading representations. Given the following : 1. There have been no previous requests for documentation. 
2. The original Deed of Trust was recorded on XX/XX/2000.by XXXX XXXX XXXX . 
3. On XX/XX/2000 an unauthorized altered Deed of Trust was recorded by XXXX XXXX XXXX, the same lender.. 
4. The alterations were not made by the County Recorder 's office as a function of the recording process
Product: Checking or savings account

My complaint is with Regions Bank in XXXX. My name is on the account with my mom. She passed away on XX/XX/2022. I took them a death certificate after she died and then i tried to close the account and they refused. They told me that i had to get the autopays to stop and then they would close it. I was having trouble getting that information on what was coming out and could not figure it out. I looked in boxes to try and find out where that information was to close them out. They have since told the XXXX XXXX XXXX and XXXX XXXX that I took the checks that the XXXX that I took that money out of that account and I have not used that account in months. I got that bill from that company stating XXXX of those checks equaling {$4100.00} for XXXX, XXXX, and XX/XX/2022 but not XX/XX/2022. My brother and I suspect fraud because something does not make sense to us. Thank you in advance.
Product: Credit reporting or other personal consumer reports

I have unauthorized inquiries, that i do not recognize on my reports dated XXXX Inquiry XXXX XXXXXXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX  TransUnion XXXX XXXX Inquiry : XXXX. XXXXXXXX XXXX XXXX XXXX  Inquiry : XXXX XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX  I contacted these Credit Breaus one by one saying these Inquirys were not authorized by me and i dont recognize them, their reply is call the place that made the inquiry which i did and they said call the credit breaus they are the one to remove them so i am being thrown around like a ball.
Product: Checking or savings account

On XXXX XXXX my bank account was hacked, I discovered on XXXX when I logged into my account and saw over {$3000.00} in transactions charged to my account from XXXX, XXXXXXXX XXXX , and XXXX. I called my bank and started a fraud claims. Today I discovered the claims were dropped and the bank is refusing to cover the fraud because my pin was used and they cant confirm it wasnt me who made the purchases. Even tho I cant be in 3 states at the same time. They said I approved the text message alerts. I never received alerts via my phone of such transactions and would never approve them anyway. That would have been a red flag that my account was even hacked and would have dealt with the issue on XXXX and not XXXX. So because of those 2 things Chase bank said its my fault and to start my own investigation into the businesses that accepted my debit card. Not sure how a multi million dollar company cant protect their customers to fraud and identity theft. But instead want me the customer to get to the bottom of this all while leaving over {$3000.00} of my money missing.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX TRANSUNION and XXXX continues to violate a host of my rights as a Consumer. 15 usc 1681b ( 2 ) and 15 usc 1692. They are breaking federal law. They are infringing upon my right to privacy as a Consumer and continue to damage my reputation. Whats the point of having FCRA and FDCPA Laws if they arent going to be enforced? How are they getting away with this? I want the accounts attached to this complaint removed immediately or I will seek litigation and get what Im entitled to under 15 usc 1681o and 15 usc 1692k. 

Hello, my name is XXXX XXXX, and Im submitting this complaint for myself and there is no third party involved.
Product: Credit card

A week ago I reported a series of XXXX purchases and credits that I dis not make. Chase stated that they had to close the account. I have reoccurring purchases that need to be covered tomorrow and need to know when I will receive the new cards which should have been issued and mailed immediately. They will not provide me any information on when I should receive the new cards and my XXXX XXXX payment was denied after requesting the card status.
Product: Credit reporting, credit repair services, or other personal consumer reports

today, XX/XX/XXXX, I spoke with XXXX/ Loancare about my forbearance and incorrect credit agency reporting. Asked them to correct the situation and was told they did not provide the information. 

During my forbearance my loan was reported as late for XXXX, XXXX and XX/XX/2020, when I made these payments in full. 

I have wrote to them today providing proof that my payments were reported as late for 3 months. 

I also cancelled my forbearance as I am unable to refinance my loan while on forbearance. 

Have requested my credit report so I can dispute this information but that will take 30 days. Unable to start credit union complaint online! unable to speak with anyone at XXXX XXXX or XXXX. XXXX   requested proof of identity and would not start complaint. The questions they use for screening would require me to have my credit report in order to answer them. I have a brain injury that has affected my memory.
Product: Debt collection

Credit Agency is trying to collect on three accounts from the same creditor that I have no knowledge of. I have sent two requests via Certified Mail Return Receipt Requested requesting that the debt be validated. The letters were received and signed for. To date, I have not received a response from the company nor have I received any application, contract, or any other document bearing my signature. Since the creditor can not provide any proof that these are my accounts I believe the accounts are fraudulent. 

The 3 accounts are as follows. 
XXXX XXXX {$580.00} XXXX XXXX {$71.00} XXXX XXXX {$250.00} I have never been insured with XXXX XXXX I have been insured with XXXX XXXX for the last 10 years.
Product: Credit card or prepaid card

My us banking ReliaCard is blocked and I can not use it. I have been calling the number on the back of the card and I cant get anyone on the phone. I do not have a bank account at the moment.I am trying to get in touch with someone so they can remove the block and Ill be able to use my card again.
Product: Debt collection

I have XXXX negative accounts on my XXXX Report from AR Resources Inc/XXXX. Those accounts are paid in full, because I have XXXX Insurance and when I got to the doctors or hospital XXXX pays my bill in full. 
Please assist me with this matter.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation to under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information 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.
Product: Debt collection

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report.

I am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on my credit report. I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF I PAID ON TIME OR NOT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE. PLEASE Im begging you to investigate what is happening on my credit report. Im listing down all of the information below that is clearly a 100 % inaccuracy on my credit. 

XXXX. XXXX XXXX XXXX XXXX  Account Number : XXXX Bal : {$1300.00} XXXX. XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Bal : {$1700.00} Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence I want this to be deleted from my credit report.
Product: Student loan

I went to XXXXXXXX XXXXXXXX  and was taken advantage of during covid.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account XXXX : XXXX Account XXXX : XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, Collection Consultants of CA reported that I owe a balance of {$750.00} to XXXX  XXXX XXXX. I would like to bring to your attention that this information is incorrect. The balance in question has already been paid off, and I have documentation to support this fact. 

Enclosed you will find the billing statement from XXXX XXXXXXXX Showing a XXXX XXXX. 


Thanks
Product: Payday loan, title loan, or personal loan

I applied for a personal loan with this bank for my husband and I under our name and our own socials. In middle of the day I had a complete stranger knock on my door claiming that I had stole his identity and was trying to get a loan. I asked him who gave him my home address and he stated that one main financial did along with my email address, my driver 's license number, MY HOME address and phone number so he can track me down. This man had the same name as my husband and same last 4 digits on his social as mine. So someone at one main financial badly screwed up 2 different people 's information. When we called the bank together, of course they denied everything. They gave my personal information to a complete stranger who showed up at my door, the situation could of went in so many different ways even really bad, luckily it did not and we came to realization that few people at this bank messed up bad.
Product: Money transfer, virtual currency, or money service

I created an account with Robinhood, I made a deposit that I intended to purchase XXXX currency with. The deposit was successfully processed on Monday XX/XX/year> and the crypto purchased the same day, when I tried to transfer the currency I received a message that my account is restricted. Granted this is a new account, all my information was accurate and the deposit was from an account in my name. I have been trying to receive a response since XX/XX/year> on how to access it withdraw my {$800.00}. I have called multiple times and emailed repeatedly and been given no information as to why this happened or how to get my money. They have closed my account and still will not allow me to add my bank or debit card to withdraw my money or given me any information on to how to receive it. At this point I would just like my money returned.