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

According to the FCRA, when a consumer disputes information and provides evidence proving the inaccuracy, the furnisher has certain obligations. The furnisher must conduct a reasonable investigation into the disputed information [ 1 ]. This investigation involves reviewing all relevant information provided by the consumer with the dispute notice [ 1 ]. The furnisher is also required to complete its investigation and report the results to you before the expiration of the specified time period [ 1 ]. If the investigation finds that the reported information is inaccurate, the furnisher must promptly notify the consumer reporting agency and provide any necessary corrections [ 2 ].

In my case, I have taken the necessary steps to address the fraudulent bankruptcy on my credit file by opting out of LexisNexis, and placing a security freeze, disputing the bankruptcy, and obtaining written confirmation from the court that they do not provide information to credit agencies or third parties [ 6 ]. According to the FCRA, the furnisher should have conducted a reasonable investigation into this dispute and taken appropriate action based on the evidence provided [ 1 ] [ 2 ]. It appears that the furnisher may not have fulfilled their obligations in this regard.

I understand the importance of accurate credit information and its impact on my financial well-being. I was recommended filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) to escalate this matter.
Product: Mortgage

XX/XX/2021 payment history shows XXXX days late however the information reporting is incorrect. I have tried reaching out to the mortgage company " Shellpoint '' to get this corrected however no there has helped resolved this issue.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report 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: Money transfer, virtual currency, or money service

On XX/XX/XXXX, opened Ally Invest account. {$2000.00} deposited in one transaction. Transaction shows successful under both accounts. {$2000.00} properly reflected in Ally XXXX. 

On XX/XX/XXXX, Ally Invest account reflects {$0.00} cash funds. There was no activity in the account since the deposit. I wait 3 hours on phone and chat to talk to a rep. He can see the funds reflected clearly on his side, acknowledging I wouldn't be able to see or do anything on my side. He said he couldn't file a money transfer request through the system but put it through to have the money transfer done manually for XX/XX/XXXX. Confirmation email at XXXX. At XXXX, receive new emails saying, " We are unable to cancel previous day Real time Transfers. We ask that you withdraw the funds. '' On XX/XX/XXXX. Called twice. XXXX. XXXX min wait. Regular Ally Banking systems shut down, try calling back in an hour. XXXX, website/app back up, but all money transfer options were stopped in app and website. Second call, XXXX hour wait again to Ally XXXX. XXXX acknowledges same situation as yesterday, but is unable to fill any money transfer request. ( Apparently I could still have orders placed through a Live Broker. But the only way to get in contact is to be transferred through their main customer service line. ) By the end of the day money transfer services seemed to be restored, but Ally Invest account is still improperly showing cash fund as {$0.00}.
Product: Credit reporting or other personal consumer reports

I appreciate your time to REMOVED some of the fraudulent items in my file that resulted from an alleged fraudulent activity but I still have remaining items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an FTC REPORT # XXXX. Ive already included these remaining items in my previous letter & I am including it here again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
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 XXXXEQUIFAX 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 XXXXXX/XX/XXXX. Please note that you have 4 business days to remove the reporting of any items in my credit file that resulted from an alleged fraudulent activity. I do not consent to E-OSCAR or any means of automated verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2022 I was behind on a few payments through Santander. I paid any past due balance and the current month total and I continued as usual with my automatic payments. My car was not repossessed. I kept making payments on time and thought nothing of it. Several months later there was a charge off on my account and my credit tanked. It has ruined my life as well as my husband who is the co-borrower because we can not obtain a student loan for my child due to this being considered an adverse event. As you can see from the attached statements that Santander sends me every single month, the status is " CURRENT '' and my balance due continues to decrease. I know Santander is being sued for very similar deceptive practices in other states. How is it they're able to benefit by slapping me with a charge off and getting this as a tax write off AND simultaneously getting my payments monthly and telling me I'm current and on time and essentially nothing is wrong? I still own and pay for my car.
Product: Mortgage

In XX/XX/XXXX I purchased a home in XXXX XXXX with my VA loan financed through XXXX and serviced by Dovenmuehle Mortgage. I purchased Flood Insurance from XXXX with {$170000.00} Building & XXXX contents and a premium of {$1900.00} per year. On XX/XX/XXXX XXXX mailed a renewal notice to my lender. My lender, at its sole discretion, chose option B on the bill and purchased additional coverage without my consent. I did not catch this until XXXX when they tried to raise my mortgage payments. 
XXXX said they are required to provide XXXX options by XXXX. I think this is unethical. 
When I called XXXX the XXXX time they just told me the premium increased. They did not tell me they purchased additional coverage instead of renewing the policy I already had. They chose option B which is {$190000.00} building, {$26000.00} Contents with a {$2100.00} premium. I NEVER Authorized them to add coverage. When I questioned them more they told me it is their standard operating procedure to " pay the highest premium on the bill ''. Again, this is unethical. The way I see this is XXXX is mandating bill 's to be sent with an option to increase coverage, mortgage companies are " automatically '' purchasing the increased coverage, and the Insurance companies are getting rich off unsuspecting customers that trust their mortgage company is doing the right thing instead of padding their books and policies. This was not a force placed policy. It was only a renewal.
Product: Credit reporting or other personal consumer reports

See attached letter. 5 hard inquiries that were previously deleted from my Equifax report were REINSERTED on my credit report sometime between XX/XX/XXXX and XX/XX/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
Product: Payday loan

The company is ma associate is calling and saying that I am being sued. I have not had contact with this company before. I had advised them that I do not know of any paydays loans from XX/XX/2008 and I would like them to prove that this is me during this time I had my identity stolen and do not know what was open and what was not
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because I previously disputed this account and gotten a response telling me to contact the original creditor. The bureau only collects and reports information furnished by the creditor. On XX/XX/2021 I filed a complaint with the CFPB, Complaint # XXXX and Experian failed to initiate an investigation. I have received a response from Experian regarding my complaint saying that they were unable to identify me but that is not true. I also submitted the same complaint with the CFPB on XX/XX/2021 to XXXX  and XXXX  and they did not refuse to initiate an investigation. All bureaus were provided the same information. I am having an issue with this bureau investigating an account that is incomplete and inaccurate. The creditor has not validated the debt with competent evidence bearing my signature that I have or had an contractual agreement. The bureau still verified the debt. Since XX/XX/2021 when I filed my complaint Experian has updated the account with new information and re-aged the account. Also they have added more late payments after the account has been closed. But they shared with me and the CFPB per my previous complaint that they werent able to identify me and closed the complaint so therefore how did they initiate a investigation without my knowledge. They also updated the account after me filing my previous complaint. They have violated my consumer rights under the FCRA laws. There is different information being reported to all bureaus about the same account. I have brought the to all bureaus attention.
Product: Student loan

I contacted Navient to ask for all the records of my XXXX XXXX loan repayments from XX/XX/XXXX to XX/XX/XXXX. I need these to show Federal Student aid that I did indeed pay all the 120 payments for the Public Service Loan Forgiveness program. Navient said it could not find my payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently placed a security freeze on my credit. 

I signed up with TransUnion and was charged {$5.00}. 

The very next morning, I received a wholly misleading email from TransUnion that clearly made it look like I had signed up for monthly credit monitoring. ( An image is attached ) In big type, it said : TransUnion Credit Monitoring. Thank you for signing up! Yes, show me my credit ( This last part was on a large orange button ) Only below, in very small type does it make clear this is an offer to sign up for monthly, billed credit monitoring. 

I am a savvy consumer, and the presentation/wording of the email was so misleading, I actually wondered if I had accidentally signed up. I 'm certain others are fooled. 

TransUnion needs to stop this shady and misleading advertising. ( The fact that they are marketing this at people who froze their credit -- likely because they are the victims of some kind of credit fraud already -- is unconscionable. Please make them stop. 
I also do not believe that I opted in to receive marketing emails.
Product: Mortgage

Bank of America gave me a PREDATORY interest only loan of about {$59000.00} ( ten ) 10 years ago. During the past 10 years I paid approximately {$160.00} a month in interest only or a total of {$19000.00} in interest only as the loan was not amortizing. In other words I paid Bank of America an effective rate of 34 % interest and I still owe Bank of America the entire PrincipalDespite the draconian conditions that Bank of America imposed I am current on my loan ( number XXXX XXXX XXXX ) and I never defaulted over the past 10 years. During this ten year I applied 7 times to Bank of America for a modification and a lower payment of about {$68.00} a month and each time my application was callously denied.even though my income is very low. But I continued to cut back on my medications so that I can afford to pay Bank of America and to date I am current on my loanTo add injury to insult Instead of lowering the payment to {$68.00} a month as I was requesting Bank of America has suddenly increased my payment to {$500.00} a month. Bank of America did not have the common decency to notify me by ( 1. ) return receipt or ( 2. ) certified mail or ( 3. ) registered mail.that they were about to abuse me. How could a Bank just unilaterally change the loan terms on a client without notifying him? 

In fact Bank of America just increased my monthly payment by 300 % from {$160.00} to {$500.00} a month without even notifying me. When I went and complained at the Bank of America branch on XXXX XXXX in XXXX XXXX the officer told me I signed to it 10 years ago.. The officer just said that Bank of America is within its legal rights and there is nothing I can do about it. 

This is a predatory loan and I can not afford to pay {$500.00} a month.I need help to lower the payment to about a {$60.00} a month. I am current on my loan and I never defaulted and I intend to repay the loan in full and would be most grateful for your urgent help Bank Of America IS FORCING ME TO DEFAULT even though I faithfully met my financial obligations to Bank Of America over the past ten years.
Product: Money transfer, virtual currency, or money service

( 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 redres
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned because I am unable to pull my Equifax credit report from any of my credit monitoring services. When I spoke to Equifax they assured me that their was nothing preventing the creditors fro pulling my report. I am unable to even pull my annual credit report from Equifax. This is holding me up from getting the financing I need to continue with my goals. I am not sure if its a block or simply a system issue of Equifax side but I have been trying to resolve this for the past couple weeks. 

Thanks In Advance XXXX
Product: Credit card or prepaid card

I have a Bank of America credit card with my company that has rewards of XXXX Bank of America said i closed this account before redeeming rewards so nothing they can do.. I never closed that account and can still long into it after fighting with them for a few years. it still shows the rewards i have but will not let me redeem. i have called again after ruling from CFPB for this fraudulent activity and bank says there is nothing they can do and even if there is a ruling it doesn't mean they will pay me back.
Product: Mortgage

Subject : Complaint of Escrow Mismanagement and Non-Compliance by Wells Fargo Dear Consumer Financial Protection Bureau, I am filing this complaint against Wells Fargo Home Mortgage for mismanagement of my escrow account, which I believe violates the Real Estate Settlement Procedures Act ( RESPA ) and federal escrow servicing regulations. 

Complaint Details Failure to Provide a Required Escrow Analysis After Refinancing : After refinancing my mortgage in XX/XX/XXXX, Wells Fargo issued only a close-out escrow statement. However, they failed to conduct the required annual escrow analysis in XX/XX/XXXX to project and adjust my escrow account for the new loan. 
This failure caused underfunding of my escrow account, leading to an unexpected shortage disclosed in XX/XX/XXXX. 
Multiple Escrow Analyses in XXXX : Wells Fargo conducted XXXX analyses in XXXX and XX/XX/XXXX, creating confusion and revealing a shortage of {$1300.00}. The XXXX analysis attributed this shortage partially to underfunding caused by the lack of a XX/XX/XXXX analysis. 

Discriminatory Treatment : As an XXXX XXXX  homeowner in an economically disadvantaged area, I believe Wells Fargos handling of my escrow account reflects systemic neglect and substandard servicing practices that disproportionately affect minority borrowers. 
Impact : This mismanagement has caused financial strain and emotional distress, undermining my ability to plan for and meet my financial obligations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act I the consumer and natural person was denied credit by XXXXXXXX XXXX XXXX when I applied for a new car loan. 

Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1692K.

You are the subject to criminal liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by XXXX XXXX through Experian due to the response I received. 

XXXX XXXX XXXX  also EXPERIAN is in violation of 15 U.S.C 1642.

15 U.S.C 1681m and 12cfr 1002.13 because I, the consumer, made an application in good faith, but credit was not issued. 
Furthermore, because my social security number { credit card } was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of EXPERIAN. 

IF EXPERIAN also XXXX XXXXXXXX XXXX fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card I will indeed make these agencies criminally and civilly liable for all actual damages pursuant to 15 U.S.C. 1681n and 15 U.S.C 1681o. 

I will also follow up with an invoice for said violations ( {$1000.00} ) per violation ). 

Thank you!
Product: Debt collection

Wednesday, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear XXXX, I received a copy of my credit report and am writing to dispute the following information that appears on my XXXX report .

Please verify or remove immediately the following accounts : Capital One Bank Usa Na XXXX XXXX The account information is being reported inaccurately on my report. 
Please remove this inaccurate information from my credit report. 

XXXX XXXX XXXX I dont remember ever being late with a payment on this account. 
Please provide statements and records of all payments made and missed since I opened this account.

The following inquiries are unauthorized or inaccurate, and I ask that you delete them : Inquiry from Us Department Of Education on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report.

Inquiry from Capital One Bank Usa Na on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report.

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

BMW Financial Predatory Loans ( 2 ) Consumer Financial Protection Bureau : Regulation E of the Electronic Fund Transfer Act BMW Predatory Loans ( 2 ) Loan # 1- 2020 bought a car from a bmw dealership for {$21000.00} did not like the car brought it back after 2 months to trade on a car I would like. BMW charged me {$9000.00} interest, so after 2 months of ownership I was charged the entire interest on a 5 year loan!! Bringing the cost of ownership from {$21000.00} to {$30000.00} for 2 months ownership. Which was attached to the trade in value of the car.

Loan # 2- When I traded the car at another BMW dealership, the {$9000.00} interest from the first loan was added to the second loan, bringing the cost of the used car from {$35000.00} to {$45000.00}, the cost of the car when it was brand new. 

My payments for Loan # 2 ) $ XXXX which I payed for 3 years totaling {$26000.00}, I ask to lower the payments because my annual income changed from $ XXXX to $ XXXX ( social security ), they lowered the payment with another loan for the balance at $ XXXX of which Ive paid for the last 2 years totaling {$13000.00} which added {$4000.00} interest to the original loan! So far Ive paid in {$40000.00} for a car that sold for {$35000.00}. Ive never been late so far. But I can not afford to go on with these payments. 

BMW bill of sale attached states the total cost of car including interest is {$52000.00} but instead of subtracting my {$5000.00} deposit, they added it for a total of {$57000.00}! Basically BMW Financial is charging interest for 2 vehicles despite only own one, if that is not predatory nothing is, so blatant. 

The amount Ive paid to date is {$40000.00}, the balance of the loan is {$24000.00} bringing the total to {$64000.00} almost double the actual cost of the car, at the very least a predatory loan. This can not be legal. So as of today XX/XX/XXXX2025 I will stop payments and proceed to file a complaint with the Consumer Financial Protection Bureau, Regulation E of the Electronic Fund Transfer Act. 

My scenario, XXXX XXXX XXXX on Social Security, living month to month solely due to car payment and car insurance. Despite having no tickets, accidents or claims for my insurance for the car is $ XXXX, thank you Florida! To add insult to injury I haveXX/XX/XXXX XXXX. I cant deal with the stress no more, mind you a car payment by financial experts advise that your car payment should not be more than 10 % of your monthly income. My social security is $ XXXX meaning my car payment shouldnt be more than $ XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and found the following items to be errors. 
The following addresses are reporting incorrectly & must be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX By the provisions of the Fair Credit Reporting Act, please have these items be removed from my report. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for the updated report.
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 proce 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 14 financial loss, and I seek appropriate redress for these violations