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

In accordance with the fair credit Reporting actXXXX XXXX XXXX XXXX XXXXXXXX has violated my rights, 15 U.S.C 1681 section 602A. 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
Product: Mortgage

Select Portfolio Servicing, Inc RE : Account Number : XXXX The balance on this account should be reporting as XXXX. This account was foreclosed and sold. Correct or delete this account right away because this is a violation of the FCRA ( Fair Credit Reporting Act ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has stolen my identity & Experian will not delete this information. These accounts do not belong to me & I did not get anything from these people. Please delete this information from my credit report. I have attached a police report, identity theft report & a request to block & delete this information.
Product: Consumer Loan

Our loan was purchased by Santander we have paid XXXX monthly payments of {$360.00} on a XXXX month loan and Santander claims we still owe {$6200.00}. They told us we need to do a loan modification to pay this last {$6200.00} over XXXX months. How can we make all XXXX payments and still owe {$6200.00} this is fraud and extortion. They beat my credit up over this modification they tell my ex-wife do n't make a payment until the loan mod is complete and then report you as late my credit score dropped XXXX points in XXXX minute when they reported the payment as XXXX past due. Here is how they did it and the attached payment history will show this. On XXXX/XXXX/2008 they added {$2600.00} to the principal out of the blue then every month they charge numerous miscellaneous fees between {$10.00} and {$36.00} a couple of times a month for the life of the loan. We originally were with another company and the terms of the original loan were nothing like they are now. I would not be surprised if they changed the interest rate as well who can tell how they compute interest.
Product: Credit card or prepaid card

I recently sent a payment to XXXX XXXX in the amount of {$25000.00}. XXXX never received the payment and when I inquired to my bank ( XXXX ) on the status of the check, I was told it was cashed by XXXX XXXX. I then contacted XXXX XXXX and they have no record of the check being cashed although there is a copy of the cancelled check cashed by XXXX XXXX. Neither bank wishes to take responsibility for the payment/disbursement.
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 ( EFTA ) and Regulation 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

Upon my investigation, I discovered that the issue was not corrected but worsened. XXXX XXXX tradeline listed on has the following issues. Equifax has the following issues. 

Incorrect data has been furnished. In addition that Equifax has not been authorized to provide this information to my CRA. According to 15 USC 1681, section 604 states the CRA must provide correct information.

I also have the right to privacy.

15 USC 1681b permissible purpose section 604 A section 2 : It also states a consumer reporting agency must furnish an account with written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 5 hard inquiries on my TransUnion credit report that I don't recognize. These hard inquiries are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dating back to XX/XX/XXXX is when this matter was first disputed. Now being XX/XX/XXXX matter still not resolved. Transunion, XXXX and XXXX are all reporting a bankruptcy on my consumer credit report. They have all put in the data furnisher as being the XXXX XXXX XXXX XXXX XXXX which is FALSE. I have attached a letter from the XXXX XXXX XXXX XXXX XXXX verifying and stating that they do not furnish information over to the credit bureaus or any credit monitoring service nor do they verify, validate any information concerning bankruptcies or any court proceedings. Transunion, XXXX and XXXX are falsely stating this information on my consumer credit report and have yet to remove this item after several disputes.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of fraudulent activity. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous personal information and inquiries which were being posted to my report. Here is the list of items which were opened without my permission : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

National Credit Services is showing on my XXXX Report that I still owe {$440.00} to XXXX XXXX. There was a separate negative account showing on my Credit Report XXXX XXXX that controls XXXX XXXX that was satisfied and dismissed thru XXXX County Magistrate Office File number XXXX I contacted National Credit Services that this collection they are attempting to collect was dismissed and satisfied from XXXX County Court They have refused to verify and remove from my credit report they keep saying it is my responsibility to prove my case I believe I have done so with the report number being given to them and with XXXX credit bureau XXXX did nothing but remove XXXX XXXX Courts showing the account was satisfied that collection was showing XXXX XXXX and the National Credit Service shows XXXX XXXX -- - They are both the same company This collection is having negative effects on me I have proven my case but no one wants to remove this my credit report
Product: Credit card

I opened a XXXX XXXX XXXX account with Citibank. 
I transferred the security deposit electronically from my checking account ( also a Citibank account ). 
As I moved back to XXXX, I closed the account, and I wanted to get back the deposit to my checking account. 
Citi has sent the deposit back on paper check to an address which doesn't belong to me anymore ( I've let them know this ). 
After several, XXXX attempts and XXXX months I still didn't get my security deposit back, and Citi always come up with a new " requirement '', like fraud check for the account ( which could be normal, but the initial amount was sent from that account, and also the balance was constantly paid from the same account ). 

I stated several times that a paper check sent to a XXXX address doesn't help me. They were not able to send it to XXXX, etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

Not sure of the date, but several months ago, I tried to correct the balance shown on credit report for my mortgage. The explanation given made some sense and I let it go. Since then I explored an option to get a refi, however, now am selling. In the process I was told by Mortgage Broker that the balance I would need to pay would be the balance on my statement of {$290000.00} plus my missed payments from forbearance. Currently that brings it up to {$300000.00}, higher than the initial loan! By the time I close, there will be 3 more missed payments, adding approx {$4400.00}. Note : My initial mortgage was {$290000.00} on XX/XX/2019. This is contrary to the explanation given to me previously by Amerihome. In essence, that since all those months of payments were taken out of the 30 year mortgage pay off, they would need to be made up for, which could potentially be handled by extending the mortgage the length of the forbearance. When you do the math, it is an extension of time, not of the actual balance. That said, it appears that Amerihome has set itself up to get an extra $ XXXX from me when all is said and done, under the guise of a forbearance that was promised to be " no penalty ''. If not addressed, Amerihome ( and potentially other Mortgage Lenders following the same pattern ) will be bilking thousands of dollars, unsuspectedly from borrowers. Bottom line, my balance on my statement is my balance-period and when I close on the sale of my home there is no way they should have the authority to collect an additional $ XXXX. Further, my credit report should reflect my actual balance of {$290000.00}.
Product: Debt collection

There is a debt from XXXX XXXX  they claim that {$16000.00}. I have spoken to XXXX XXXX  and to the lawfirm currently in charge of collecting it. I have not been formally served, but have looked at the court docket and noticed that there is a lawsuit filed on XX/XX/XXXX. When I found this out I was a bit surprised because this debt is very old. In fact, I called XXXX XXXX  to confirm the date of last payment, which XXXX XXXX  told me it was XX/XX/XXXX. This makes this a time-barred debt since the lawsuit was filed four months too late. According to the CA Code of Civil Procedure 337, there is a XXXX year limit for filing a lawsuit to collect a debt based on a written agreement. This clock started on XX/XX/XXXX, which is the final payment that was made that preceded the delinquency that led to the charge off, or four years form the date the contract was broken. 

I have advised XXXX XXXX  about this, and also advised the lawfirm LEVY and Associates about this, but they seem to have a total disregard of the law and are seeking to force me to file an answer on a debt I have not even been served on. I have been keeping an eye on the court docket and they claim they served me somehow, but I have not been formally served.
Product: Debt collection

I have a contract with safe touch. My records confirm the 3year contract with the company. The bill was forwarded to the collection agency XXXX. I spoke with a rep regarding the balance and advised her of the disputing information. She advise me otherwards and outright told me to pay the debt. I advised her that I needed validation of this debt. she went on and finaly hung up in my face. I then called back and asked to speak with a manager. A woman named XXXX XXXX falsley represented her self as a manager and placed male on the line that failed to confirm that he was a member of management. The call was then transferred over to XXXX XXXX whom automatically came off unprofessional. XXXX XXXX hung up the phone in my face after saying lets take this to court when trying to speak to him about the issue. In 8 attempts in calling back for help in obtaining the validation of debt they continued to hang up in my face. A rep finally picked up the phone and then transferred me to XXXX XXXX again and XXXX XXXX continued to prevent me from speaking to resolve the problem. After two other times in call and him hanging up in my face, he then stayed on the line only silent enough to give him the dates of my contract. XXXX XXXX then placed me on hold to finally pull up the contract confirming the dates. He then went on to tell me the last date in XXXX of 2016 I was past due. I attempted to advise him that the account was always paid ahead prior to the last payment that took the account out to either XXXX or XXXX without needing another payment. However continued to accuse me and of other things in which was untrue to the point where I couldnt take anymore. This company as well as XXXX has shown no signs of resolving this dispute. If the account was showing accurately arrangements would have been made, since this has been erroneously reported out to the credit agencies for my other creditors to see in which it will impact my annual review.
Product: Bank account or service

REFERENCE TO CASES : CFPB Case # : XXXX, XXXX, and XXXX As of XXXX/XXXX/2016, I still have not received a total of {$2100.00} deposited at a Chase ATM on XXXX/XXXX/2016 in my Chase account. This was due to the fatal technical problems from a Chase ATM machine malfunctioned on XXXX/XXXX/2016 during my deposit, please see the letters attached from Chase Bank and the cases that I reported at CFPB previously in the months of XXXX and XXXX XXXX XXXX, XXXX, and XXXX ). Thus, I was not able to receive the XXXX rent from my tenant. The check sender, my tenant, informed me on XXXX/XXXX/2016 that her XXXX Bank account was hacked on XXXX/XXXX/2016 after Chase Bank deposited the {$2100.00} check on XXXX/XXXX/2016. As of XXXX/XXXX/2016, per my tenant, the funds in a total amount of {$2100.00} still has NOT recovered at my tenant 's XXXX Bank, and thus I have not received my XXXX rent in a total amount of {$2100.00} from my tenant. With a successful deposit at Chase on XXXX/XXXX/2016, I would NOT experience such painful problems for months. This could be proved easily from my Chase Plus Savings account ending in XXXX over the past three years as a tracking record/history that can be verified. This is the first time and hopefully the last time that I experience this painful ATM Technical issues. It raise red flags for me to ever use Chase ATM to deposit once again. All of the deposits ( both teller and ATM deposits ) went successfully except the XXXX check {$2100.00} deposited on XXXX/XXXX/2016 with a malfunctioned Chase ATM that cause horrible experience for me. 

Overall, I am dissatisfied with Chase Bank on handling this matter that indeed caused tremendous ripple-effect problems due to the root cause of Chase ATM malfunctioned occurred on XXXX/XXXX/2016. Chase Bank has not resolved the issue completely as I still have not received the fund on XXXX/XXXX/2016. Chase Bank closed the case and refused to continue to help. The Chase Branch where the ATM located was not helpful at all from the employees and Branch Manager since XXXX/XXXX/2016. I urge Chase Bank to reopen this case and be responsible for this incident until it is resolved 100 %. Otherwise, I consider Chase Bank is irresponsible and CFPB should make every efforts to work with Chase Bank to resolve this issue at a satisfactory level in a timely manner. As it currently stands, it is at unsatisfactory level from JP Morgan Chase. I am totally disappointed and the CEO of Chase should be informed immediately about my dissatisfaction on how the matter was handled by JP Morgan Chase Bank - it is incomplete and the case was closed and Chase refused to continue helping me as their customer to recover {$2100.00} fund due to the original issue was caused by the CHASE ATM. JP Morgan Chase Bank should be responsible for this loss and reopen the case!
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against Trans-Union for their failure to conduct a proper and thorough investigation into multiple disputes I have filed.

The disputed accounts contain erroneous information that is negatively impacting my credit score and hindering my ability to obtain credit. Despite my repeated attempts to rectify these inaccuracies through the proper channels, the response and action from Trans-Union have been unsatisfactory and non-compliant with the Fair Credit Reporting Act ( FCRA ) & The consumer Law 15 U.C.code 1681E ( B ) compliance procedures Accuracy of Report.

I trust that the CFPB will address this issue with the urgency it requires, ensuring that Trans-Union adheres to legal standards for credit reporting accuracy and dispute investigation. Thank you for your assistance in this matter.
Product: Money transfer, virtual currency, or money service

On XXXX 2024, I experienced an issue with Cash App, where I encountered unauthorized transactions on my account. Despite following the necessary procedures to report the fraud, Cash App failed to investigate these transactions properly, and I was not provided with a refund or provisional credit as required by law. Additionally, the customer service I received was inadequate, and I struggled to get timely and effective assistance. 

When I attempted to contact Cash App for support, I found that the provided phone number led to a prerecorded message, and the only alternative was to seek help through the app, which resulted in delayed responses. This lack of efficient customer service and the failure to investigate my case left me at a disadvantage, and I was burdened with the financial loss caused by the fraud. 

I am seeking a resolution to this issue, including a full investigation into my case, a refund for the unauthorized transactions, and improvements to Cash App 's customer service practices to ensure that future users are not subjected to similar experiences. Thank you for your attention to this matter.
Product: Mortgage

I have been contacting Shellpoint for assistance in processing a short sale for my late father 's property. Shellpoint has spent extensive amounts of time processing documents, including just basic letters of authorization. Despite their unresponsiveness, I have sent everything we could imagine sending to get this process started. They have FINALLY verified the written authorization form sent to them to work with the real estate agent. Unfortunately, it just seems to be some kind of sick joke, because upon the agents finally getting information from Shellpoint, the representative said that they did not believe I submitted a short sale request because on the Uniform Borrower Assistance Form page 3 states : " I'm requesting review of my current financial situation to determine whether I qualify for temporary or permanent mortgage loan relief options. '' This line WAS NOT WRITTEN IN BY ME. It is a standard part of the UBAF and is on every single copy of it ever. On page 1 of the Uniform Borrower Assistance Form I clearly checked the box for " Sell the Property ''. I also sent an Explanation Letter clearly stating, " Due to the passing of the homeowner, the mortgage default can not be cured at this time. Please allow a short sale. '' Shellpoint is being negligent with their timelines and responses to my request for assistance during a very delicate time.
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 objective measures to present 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 ( EFTA ) and regulation 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

On the date of XX/XX/22 I mailed a letter to Experian, disputing several accts that had erroneous information on them, & which are hurting my Credit Score & subsequently are in direct violation of the Fair Credit Reporting Act. Experian received this letter on XX/XX/22. There was no response so I sent an additional letter on XX/XX/22. Today is XX/XX/22 & the following accts are still showing inaccurate & erroneous information, which is in direct violation of the FCRA : XXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX. I have given Experian more than 30 days to conduct a proper investigation & correct the information I had previously pointed out to them as incorrect. They have REPEATEDLY refused to do so. They have not even responded. According to the FCRA, I have the right to % 100 accurate information on my credit report. This information is obviously inaccurate & I would like it removed immediately.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Experian for failing to properly investigate my disputes regarding inaccuracies on my credit report. Despite my submissions, Experian consistently responds stating that the accounts are accurate and verified, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act,15 U.S.C.1681i which mandates a reasonable investigation of disputes. Futhermore, Experian 's actions may also contravene the Consumer Financial Protection Act, 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Experian complieswith federal la and provides consumers with the necessary proff of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This KOHLS/CAPONE with account number XXXX is reporting late, yet it is closed and the balance is zero as reported in XXXX and XXXX XXXX Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Product: Debt collection

They will not tell me who the original creditor is have asked several times. They asked for proof of recieving XXXX XXXX months ago I provided it. Now XXXX months later there requesting it again. They have called me at my work in the past I asked them to not call me there within a month they called me there again putting my job in danger. Very rude on the phone.
Product: Credit reporting

I disputed an account with XXXX on an auto loan that was reporting as 30 days past due for XXXX 2016 with XXXX and Transunion. They investigated the results and notified me that the account was correct and verified with the creditor. I followed up with both reporting agencies with evident showing screenshots of the payment days for the month prior and month reported past due from the creditors website and asked them to provide information that the creditor provided them. Neither creditor has responded and they still continue to report 30 days past due for the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and I am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so I don't want no automatic computer response saying this is unauthorized. I am authorizing this complaint with proof of the disputes I sent out. Now please help me this because i will pursue litigation for false information. Now do your job now!!!! I have attached my ID and utility bill to show who I am.