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

The credit reporting agency is disregarding FCRA & is out of compliance. I have submitted requests for investigation on several accounts where I have not been provided verification of a debt. The company investigates the claim & validates the debt without proof of the debt provided to myself or proof that I have been provided validation per FCRA. 

accounts include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX many of these accounts would be over the maximum reporting according to texas law even if they were valid.
Product: Credit reporting or other personal consumer reports

Discovering that Ive been a victim of identity theft has been an incredibly stressful and frustrating experience. My personal information was misused, leading to unauthorized accounts appearing on my credit reportaccounts I have no knowledge of or connection to. Following the proper steps, I immediately filed a report with the Federal Trade Commission, as advised by TransUnion, and submitted the necessary documentation to address these fraudulent entries. Despite my efforts, these items still remain on my report, negatively affecting my financial standing.
Product: Checking or savings account

on XX/XX/XXXX I received multiple calls from a number that was similar to my wells fargo number, I was at work and answered, was told XXXX was from Wells Fargo Fraud dept and my account had been compromised. sounded very legit he has all of my information I did not disclose any personal info to them they even put me on hold with wells fargo music and message in the background. I was at work during the call and put my phone on speaker and my coworkers even felt it was a legit call, he said he was going to close my current account and help me open a new one order checks etc. Once we were done, I called my bank just to double check and it was fraud, they had moved XXXX from my savings to my checking and made XXXX {$1000.00} charges, I spent hours on the phone on the XXXX on hold and finally spoke to someone in the fraud dept. Claim # XXXX was told they have 10 days on XX/XX/XXXX called to fu and was told it was denied bc they needed more info spoke with them gave them all same info the previous person apparently did not put in. Checked my account today the claim from XX/XX/XXXX is not there called spoke to XXXX in claims she said it was still denied only reason was they do not cover all fraud claims, asked her where is my letter of explanation and my appeal right and I want to speak to a supervisor, she offered me a Claims escalation specialist spoke with XXXX, she reopened it again, but could not provide me much info or explanation either. Now I have to wait another 10 days etc. In the meantime, the money in my savings was from my homeowner 's insurance for a recent sewer leak that I have to pay to the company for repairs, so I had to take out a personal loan to cover this and other bills while in limbo so this is another exspense I will have in the future, I have been with Wells Fargo since age XXXX I am XXXX and never had a fraud claim and when I do they hang me out to dry.
Product: Debt collection

I originally signed up for services with XXXX XXXX XXXX for which they indicated that I would be receiving internet with the bundled services. I was later informed that they could not provide the service and that they would be contracting that portion out. I told them if that was the case I did not want to move forward with the activation and they said okay. Now there is a collection with IC Systems for internet service for which XXXX XXXX XXXX never provided. I went with a different internet company.
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 Customer 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

I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under XXXX XXXX XXXX XXXX ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Product: Student loan

I want to sumbit a complaint against Navient. I have been paying on my loan for years at XXXX a month with no end in sight. They just raised my rate to 7 % and when I called for help they told me there is nothing they could do for me, would not tell me how high they can raise my rate or how often, they said the only way I can help myself is by paying off the XXXX loan I have with them. They are criminals. They are the worst company and I do n't know how they get away with doing this to people.
Product: Money transfer, virtual currency, or money service

I paid XXXX down for a car. it didn't exist. my bank gave me my payment from them back. pay pal will not give me my paypal wallet cash back. said I forfeit their portion of my cash because financial institution filed a claim for the partial payment paid by the bank. 

they did this to me in 2018 as well thru XXXX and the XXXX dollars was never given back to me. for services used via identity theft. 
even tho I went through all the bells and whistles trying to get the refund from paypal. even tho google repaid me. it never showed up in my PayPal balance. 

so this is twice paypal has taken.my money I'm a XXXX yr old female. i am also XXXX. i dont get much money anyway. I'm being taken advantage of. 
i need help please.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this complaint to XXXX XXXX. I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights has been violated numerous times. 15 U.S.C 1681 section 602 A. States that I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2.
Product: Checking or savings account

Here is my past complinat which tjey are ignoring. They still will not release XXXX to me this has been since XX/XX/2023. 
XXXX Print complaint CLOSED Submitted STATUS Submitted to the CFPB on XX/XX/2023 PRODUCT Checking or savings account ISSUE Problem caused by your funds being low We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT i sold my house the closing was XX/XX/2023. at the closing i got a truist check ( it was in a businsess name, and when i submitted it to my bank they put my account on lock and withheld my incoming pay. they made me wait 10 more days before they would tell me they they had denied the check, then closed my accounts so i took it to another bank and opened a business account and other accounts with advice from the bank teller on exactly how i should set everything up. i then got a call from Truist stating that everything had been explained to them and i could now take my check back to them and resubmit it. it was too late i had taken it somewhere else. Truist still put a hold on this money and will not release my funds to me, its been its been 41 days now and they will not tell the maker of the check anything or release my funds to me. At this point i need this fixed Now XXXX has put holds on all my accounts until this money is returned to them nad they may close all my accounts. Truist will NOT TELL ANYONE anything and they have ALL my money. Its not their money to keep. 

View full complaint
Product: Credit reporting or other personal consumer reports

I am writing to express my extreme dissatisfaction and frustration regarding the unresolved disputes I have filed with XXXX, XXXX, and Experian. Despite my repeated attempts to rectify inaccuracies on my credit report, it has been over 60 days, and I have not received any response from your agency. 

I have meticulously detailed the accounts in question in my dispute letters and explicitly outlined the violations these accounts represent in terms of the Fair Credit Reporting Act. The lack of acknowledgment and resolution from your end is not only alarming but also a blatant disregard for the rights granted to me as a consumer. 

In accordance with the Fair Credit Reporting Act, it is imperative that the information on my credit report is 100 % accurate. Under 15 U.S Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), the accounts in question are in direct violation of these provisions by failing to report accurate information within the stipulated timeframe. 

I am attaching copies of all the letters I have sent previously for your reference. It is disheartening to see the lack of urgency and commitment to resolving these issues, which are impacting my financial standing and overall well-being. 

I demand immediate attention to this matter and a thorough investigation into the violations outlined in my disputes. The persistence of these inaccuracies not only jeopardizes my financial health but also undermines the integrity of the credit reporting system. 

I expect a prompt response and resolution to these issues in compliance with the Fair Credit Reporting Act. Your cooperation in rectifying these violations is crucial to restoring my confidence in your agency. 

Thank you for your urgent attention to this matter.
Product: Credit card or prepaid card

I am writing today in regards to several accounts I have with Capital One the following accounts I'm referring to is XXXX, XXXX and XXXX which has late pays reporting in XX/XX/2021. I was impacted by Covid during that time and was unable to make the payments to those accounts. I know that Fema declared a disaster and that congress passed the CARES ACT to assist consumers that are having issues.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXX/XX/XXXX/2024 XX/XX/XXXX XX/XX/XXXX/2024XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 

I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX  Account Number XXXX XXXX Please update- All New Reporting Information to- paid as agreed and current 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

15 U.S Code 1692e 10_ False or Misleading Representations Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Delete this account.
Product: Credit reporting

There is a Hard Inquiry in my TransUnion record on XX/XX/2017. It was done by " XXXX ''. I did n't authorize anyone to check my credit reports. I do n't know who this company is. Can you investigate what happened and possible get it removed fro my history? 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX Date of Inquiry : XXXX ; XXXX XXXX Date of Inquiry : XXXX ; XXXX Date of Inquiry : XXXX ; XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX TX XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance {$550.00}.
Product: Debt collection

This is a continuation of the following complaint from XXXX on XX/XX/XXXX Date of Last Balance Reported Update Amount Amount Past Due Date of Last Payment Actual Payment Scheduled Payment Date of 1st Date of Last Date Maj Del. Charge Off Amount Amount Delinquency Activity 1st Rptd Amount Deferred Pay Balloon Pay Start Date Amount Balloon Pay Date Date Closed XX/XX/XXXX {$5400.00} {$5400.00} XX/XX/XXXX XX/XX/XXXX {$6100.00} XX/XX/XXXX Status Type of Account Type of Loan Whose Account Portfolio Indicator Portfolio Status Charge Off Revolving Credit Card Individual Account 1. The creditor is manipulating dates on the credit bureau so that it will stay on longer. 

2. I am requesting Historical Data ( Payments Date and Amount 3. I have not made any payments since XXXX because XXXX sent the account to XXXX XXXX XXXXThe terms and conditions were not Honor by XXXX XXXX XXXX XXXX XXXX 
XXXX advise that thee was nothing that could be done, XXXX XXXX was responsible
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S CODE 1681 ( b ) PERMISSIBLE PURPOSE OF CONSUMER CREDIT.

( 2 ) ( A ) ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person.

( B ) ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person.

-- I am entitled to Fair Credit Reporting.

-- I have given them authorized permission to report my address on my consumer credit report.

-- I Demand it to be reported and every violation of failure to report authorized information on my report is a {$1000.00} fine.

-- Letters have been sent with this address by certified mail and return receipts have been received by me. 

-- My permission has been given orally, in writing, and electronically to report my address on my consumer report and I demand it to be reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

All inquires are from XX/XX/2018 and are fraud XXXX XXXX XXXX Capital One Saks Fifth Ave XXXX XXXX   XXXX XXXX Capital One XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX HAS NOT RESPONDED TO A CREDIT DISPUTE SUBMITTED TO EQUIFAX ON XX/XX/XXXX,, 2021 AGAINST XXXX XXXX. I HAVE PREVIOUSLY CONTESTED THIS INCORRECT DELINQUENCY REPORT WITH XXXX XXXX  DIRECTLY IN XX/XX/2021. XXXX XXXX  REFUSED TO CHANGE THE INCORRECT DELINQUENCY CITATION. I AM REQUESTING THAT EQUIFAX INVESTIGATE THIS AND CORRECT THEIR FALSE DELINQUENCY REPORT ON THE XXXX, 2021 LEASE PAYMENT A/C # XXXX. 
XXXX XXXX, XX/XX/2021 2021
Product: Mortgage

We received a delinquency notice from XXXX XXXX on XX/XX/XXXX that our taxes that were due on XX/XX/XXXX were not paid by our mortgage servicer, Lakeview Loan Servicing , LLC ( aka. XXXX  ). The XX/XX/XXXX taxes were paid nearly a month late on XX/XX/XXXX according to XXXX  account within the Payment History section. 

After a month of phone calls, on XX/XX/XXXX, XXXX finally paid {$1400.00} of the {$1400.00} that were due XX/XX/XXXX, which left us with an outstanding balance of {$51.00}. We were told by a Lakeview manager that the {$30.00} in late fees were paid from a separate Lakeview account that we do not have access to. See attached ( Re : Tax Bill and Payment History ). 

All phone calls after XX/XX/XXXX have been unanswered and no messages have been returned by a Lakeview representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attended XXXX and multiple students unfortunately we're stuck with the scam of three advisors who implemented loans and sign for them that WE THE consumer were stuck with. 
They investigated and reported it wasn't mine although I had to report TO NELNET for 3 years, proved I am XXXX, not working, they kept selling it, transferring it, Finally issued paid off, but it keeps reappearing as open, transferred, Duplicated 3 times on my report and or paid by Nelnet XXXX Department of Education several times on my credit report. I disputed, they sent DELETED, but it's still there. I have sued them three times already, & Won, and it says it's removed from my credit report but there is duplicate copies and a third one on there which they refused to remove from about 7 years ago. 
I'm tired of begging for something that never mine from the start.
Product: Credit reporting or other personal consumer reports

Companies that did unauthorized credit check DATE COMPANY ADDRESS REQUEST ORIGINATOR XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CT XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IA XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX
Product: Bank account or service

I recently received a letter in the mail regarding a past due balance of {$100.00} from a collection agency, XXXX, as stated in the attached letter. On XX/XX/2016, I called Bank of the West and spoke with XXXX, a service banker located at XXXX XXXX, NV XXXX. Per XXXX, my account was closed in XX/XX/2016 and was re-opened on XX/XX/2016, by Bank of the West, due to an automatic bill pay service that attempted to withdraw funds. She stated this bill pay service was not paid by my account with Bank of the West but the re-opened account was charged an NSF fee. Bank of the West re-opened my account without my permission and/or notifying me and is charging me a monthly maintenance fee and NSF fee for an attempted payment. XXXX mentioned this is a common practice for a bank to re-open an account once it has been closed and will not drop the charges. I am still unaware as to how I can be held responsible for charges made on an account that should not exist.
Product: Credit reporting or other personal consumer reports

EXPERIAN XXXX XXXX XXXX XXXX ARE VIOLATING THE CONSUMER LAWS REMOVE IMMEDIATELY XXXX ACCT # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax violated my rights and I didnt give consent for my information to be shared and I didnt give consent for them to use that report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently have Five fraudulent accounts appearing on my credit report. 

XXXX. XXXX XXXX XXXX {$1000.00} XXXX. XXXX XXXX XXXX  {$7600.00} XXXX XXXX XXXX XXXX {$260.00} XXXX XXXX {$610.00}
Product: Mortgage

My home was in the pre-foreclosure phase and was sold as a regular sale - not a short sale on XX/XX/2023. Leading up to the listing, I requested a payoff so that I could set a good price for the home. When the home was under contract I requested another payoff for the anticipated closing date XX/XX/XXXX. The closing was postponed 5 days beyond the " Payoff Good Thru Date '' on payoff # 2 which was XX/XX/XXXX. Payoff # 3 had a Payoff Good Thru Date of XX/XX/XXXX which was 23 days after my closing. This is a multi-part mortgage payoff refund. Part 1 is the 23 extra days of interest on the mortgage. 

Part 2 is because the Escrow portion of the loan payoff was never pro-rated to just the 4 days I owned the home in the Quarter for the purpose of Real Estate taxes and other Escrow items. The quarter began on XX/XX/2023 and my closing was on XX/XX/2023. I paid for the entire quarter of Escrow but this was too much. 

This was obvious to me even before the closing was completed because the difference between the Escrow portion of payoff figures in # XXXX vs # XXXX were huge despite the home only being owned until XX/XX/2023. If you compare the payoff figures between # XXXX vs. # XXXX vs. # XXXX and take into consideration the amount of time that would impact the increase in payoff dollars, the amounts do not make sense. 

I called M & T bank before the closing and was told it would be reviewed about 2 weeks after the payoff was fully processed. They estimated the payoff would take 2 weeks so the overpayment should have been completed by early XX/XX/2023. 

While I realize there are waiting periods for M & T Bank to respond, I have already sent them a written formal complaint via certified mail on XX/XX/2023. M & T bank has acknowledged receiving that complaint but constantly gives me the runaround indicating that a different department is handling it and then promising to call me back in a few days but never does. 

This is ridiculous. The pro-rating of a payoff is not a difficult process and it is done by banks and title companies many times a day in the course of selling homes and accepting other types of final loan payoffs. 

I have received a small check with no explanation of how the funds were distributed or any accounting for the difference in interest OR escrow. 

I believe that because this home was in pre-foreclosure, the bank and the law firm that reportedly represented them XXXX XXXX XXXX feels they can charge whatever they want without explanation and the homeowner has no recourse. 


M & T Bank