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

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to TransUnion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit score on XX/XX/XXXX was XXXX - Credit Score on XX/XX/XXXX was XXXX. 
No reason given on why XXXX XXXX dropped XXXX points. This has hurt my ability to apply for credit. 
Credit report pulled on XX/XX/XXXX showed only 7 accounts opened -- NOW Credit report pulled on XX/XX/XXXX shows XXXX accounts opened. Major error on Equifax. 
On XX/XX/XXXX - ( letter received by Equifax on XX/XX/XXXX - Cert # XXXX ) I requested 4 accounts to have " Derogatory '' removed as the accounts are either paid/transferred/payment in process. No Change on the disputed accounts per Confirmation report # XXXX received XX/XX/XXXX from Equifax.
Product: Mortgage

Mr. Cooper, Nationstar took two payments of {$1600.00}. from my bank account on XX/XX/21. 
I do not have auto pay set up but I do pay online so they have my bank account number. Mr. Cooper sent out an email saying they were aware of a problem. These two payments were not authorized and since I do not have auto pay I can not understand how they had the authority to withdraw money from my bank account. Mr. Cooper says they will reverse the withdrawals. They made a huge mistake when they took over {$3000.00}. from my bank account. Thank you. XXXX XXXX.
Product: Mortgage

The moment I was told I had to pay off my car, and did do us when things started to drift. Which they where trying to make it seem like I was criminally or illegally getting money from else where, when they specifically have all my assets and banks statements shows I do have the funds to pay it off, plus I received gifts from family members to help on my big accomplishment. It just felt like as a XXXX woman or individual I wasnt suppose to be able to payoff my car that easily or Im not suppose to be successful and XXXX. I felt so discriminated against and this needs to be brought to the light on how these lenders do XXXX American people. Its sad, because I have worked so hard to get where Im at to be push down and stomped on. This company KB Home Loans needs their racism and discrimination again XXXX brought to light. The individuals I have experience this horrible experience with are XXXX XXXX, XXXX XXXX, and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX my credit card account ending in XXXX became120 days past due. The months after from XXXX - XXXX of XXXX, the company has reported a missing history to XXXX and XXXX. From XX/XX/XXXX XXXX XXXX the company reported a Charge- off every month, for a total of 28 charge-offs. This fraudulent method of reporting damaged my credit- resulting in me being forced into a settlement agreement to improve my credit. The company has effectively limited my ability to apply for and receive credit by making it appear as a new charge-off was filed each month. Basically, re-aging the charge-off. 

According to IRS, Section166- Deduction for bad debts 26 CFR 1.  166-2 ; Evidence of Worthlessness, after 6 months or 180 days a debt must be charged off. 

The above referenced statue dies not mention the ability to legally, repeatedly charge off an account that many times. They have violated the FCRA, by reporting multiple inaccuracies on a routine basis. I personally believe this is a pattern of bad business conduct by JPMCB and perhaps thousands of customers being affected by this.
Product: Checking or savings account

Case XXXX Bank of America continues to harass me and ignore my complaints filed with the XXXX, Federal Reserve, Consumer Financial Protection Bureau. All these places have failed to do anything about the continued harassment from Bank of America, so I am now seeking legal aid to take you all to court.
Product: Credit reporting

While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX XXXX on or about XX/XX/XXXX on TRANSUNION credit file. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX has violated the Fair Credit Reporting Act Section XXXX ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately.
Product: Debt collection

I received a phone call this morning and spoke with the lady on the phone and then I spoke with a gentleman named XXXX. I was informed by the lady that I was going to be served by XXXX County Police Department and if I did n't pay it then legal action would be taken and the paperwork was to be served for to appear in court. I was also told that she would see my accounts that were attached to this loan. And I was also told that it would go after anyone who was a reference on my account and also that they would serve me either at my place at home or my place of business. To not give me information on what the paperwork was for until I spoke with XXXX it was just to let me know that they we 're just giving me information about what they were trying to do. She did not inform me at first of the conversation either that this was an attempt to collect a debt.
Product: Credit card or prepaid card

I just received a notice that my pay pal account email was changed ( Saturday ) and to contact them if I didn't do it. Turns out they have no weekend hours to contact them.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX 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 effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their disputes resolution process was unfair and deceptive, and did not comply with error resolution requirements under the Electric Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and seek appropriate redress for these violations
Product: Checking or savings account

I filed a dispute with Citigroup banking regarding several transactions made on my account through XXXX that I had not authorized. Citibank immediately closed out my account which then prohibited any refunds that would be made from XXXX. For several months I've gone back and forth between XXXX and Citibank about the XXXX transactions to retrieve funds illegally taken from my account. Citibank informed me that they have closed out my dispute and did not side with me in regard to the transactions. I asked Citigroup for evidence of the investigation. months later I received a letter in the mail of login screenshots that were not legible to read. after calling them to ask for a better explanation I was told the transaction was outside of their timeframe for a refund. I then asked if the case could be escalated and if I could appeal reasoning or if they could point me in the right direction of where the timeframe policy could be located online. The agent then informed me to call a bank and they could further assist me. After searching for several hours through consumer manuals, disclosures, and regulations I could not find this stated anywhere in the illegal transaction timeframe policy. I then called a branch location on XX/XX/23 and the representative to was unable to assist me with finding this policy. Banks are misinforming customers of knowledge that do not exist. I am filing a complaint in hopes of further assistance with my case.
Product: Bank account or service

I have been trying to Get Wells Fargo to stop a reoccurring charge on My checking account from a company in XXXX that I never authorized. The charge has been happing for 3 months in a row for {$50.00} and Wells Fargo is telling me there is nothing they can do and close the dispute ( twice ). I do not want this company sucking money from my account anymore!
Product: Debt collection

To whom it may concern : I dispute the negative items in my credit profile. I dispute these claims and demand that any information be removed from reports immediately if it is inaccurate or misleading, as this will only harm me further! Upon review of my report, I noticed that several deviations from mandatory standards were present which will most likely affect the validity and accuracy of data in this document. These claims that the information in my report is negative, untrue or incorrect are unsubstantiated. To date I have not received any physical proof to back up these statements and eagerly await a reply from you.Document that you have complied with the reporting requirements, and report without any deviations. Please note that if you have not complied with the requirements, I will need to remove them from my report.Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relatesAlso per 12 CFR Part 1022 ( Regulation V ) requires furnishers to : A - Furnish information about accounts or other relationships with a consumer that has integrity. B - Furnish information about accounts or other relationships with a consumer that is accurate. C - Conduct reasonable investigations of consumer disputesThe CRRG standards state that in order to make a report, you must follow their guidelines. Any deviation from these standards jeopardizes the integrity of data. This means any mistakes when reporting claims can have serious consequences for accuracy- which affects your federally regulated reports! With that said! I found some mistakes and inaccuracies in your report, which I would like to dispute/challenge.The following claims about me were not reported correctly and I am challenging these inaccurate statements. Please provide proof that the proper reporting standards were followed so this can be resolved immediately!
Product: Mortgage

MY WIFE AND I APPLIED THROUGH DHI FOR A MORTGAGE FOR A NEW HOME ALREADY BEING BUILT WITH AN ANTICIAPTION COMPLETION DATE OF THE XX/XX/XXXX. AFTER SEVERAL ISSUES WITH COMMUNICATION WITH DHI, WE HAD COME UP WITH AN AGGREEMENT IN ORDER TO GET QUALIFIED FOR THE LOAN. ALL DOCUMENTATION WAS SUBMITTED TO THE MORTGAGE OFFICER AND THE LOAN WAS SUBMITED ON XX/XX/XXXX @ XXXX XX/XX/XXXX. THE TERMS WERE DISCUSSEDWE WOULD ONLY NEED {$11000.00} ( AMOUNT ENDED UP BEING CLOSER TO XXXX ) ON CLOSING DATE. WE DID NOT HAVE THE MONEY AT THE TIME OF SUBMISSION AND IT WAS DISCUSSED THAT WE WOULD HAVE ASSISTANCE FROM MY GRANDMOTHER AND OVERTIME AT WORK. ON XX/XX/XXXX MY GRANDMOTHER INFORMED ME THAT SHE COULD NO LONGER ASSIST WITH THE ADDITIONAL MONEY DUE TO HEALTH PROBLEMS. OVERTIME WAS ALSO CUT. THE INCOME USED WAS ALOS FORM AN ANTICIAPTED START OF A NEW JOB THAT DID NOT FOLOOW THROUGH AND MY STATUS AT MY PRIOR FUUL TIME JOB HAD BEEN SUBMITTED TO BEGIN AS PART TIME AND WAS UNABLE TO RETRACT THAT STATUS. ATTEMPTS TO CONTACT THE MORTGAGE OFFICER WERE MADE WITH NO RESONSE BETWEEN THAT FRIDAY AND SATURDAY TO INFORM HIM OF THE CHANGES. ON MONDAY XX/XX/XXXX, MORE CONTACT WAS ATTEMPTED. AN EMAIL IS FINALLY RECEIVED THAT APPARENTLY MY LOAN OFFICER IS OUT OF THE OFFICE SINCE FRIDAY EVENING. CONTACT THE MANAGER AND THE LOAN OFFICER CONTACTED ME FROM HIS PERSONAL PHONE AND I NOTIFIED HIM OF THE SITUATION AND HE SAID HE WOULD HAVE A SOLUTION OR RESONSE WHEN HE RETURNED TO THE OFFICE ON THURSDAY XX/XX/XXXX. NO WORD FROM THE OFFICE UNTIL XX/XX/XXXX AND IT WAS PRESENTED AS I HAD NEVER INFORMED HIM OF THE SITUATION AND HE STATED THAT I HAVE TO MAKE THE DECISION TO NOT MOVE FORWARD WITH THE LOAN AS THE INFORMATION HE HAS SAYS I QUALIFY EVEN THOUGH DOCUMENTATION HAS BEEN SUBMITED OF THE CHANGES THAT NOW DISQUALIFY ME FROM THE LOAN. HE CONTINUALLY REFUSES TO ADVISE IF HE HAS SUBMITTED THE CHANGES. THE LOAN IS STILL IN PROCESSING AS OF XX/XX/XXXX AND NO COMMUNICATION FROM ANY PARTIES IS BEING GIVEN TO MYSELF OR MY WIFE ON THE STATUS. THEY ARE ATTEMPTING TO FORCE ME INTO A LOAN THAT I DO NOT QUALIFY FOR AND CAN NOT AFFORD TO GET IN TO DUE TO LESS MONEY AVAILABLE TO CLOSE.
Product: Credit reporting or other personal consumer reports

accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXXXXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 16815-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am sure yo u are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. 

It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions. 

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

My account with XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Checking or savings account

I tried to make a transfer into an account at Fifth Third Bank in order to cover a check I was writing. I initiated the transfer before writing the check, but the transfer, for some reason, did not go through. As a result, the bank charged me an Overdraft Fee when the check was paid. If the transfer had gone through, as I was led to believe it had, I would not have been charged the fee. The bank refused to reverse the fee, citing previous reversals within the last year. In fact, one of the two reversals had been miscategorized as a courtesy reversal, when it was in fact a reversal due to bank error, similar to the one that just happened. I believe Fifth Third bank is intentionally mislabeling fee reversals in order to extort more money out of me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX and TransUnion has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the account listed below. I believe it was reporting in error. 
XXXX XXXX Balance : {$7300.00}
Product: Checking or savings account

On Wednesday XX/XX/2021 at roughly XXXX XXXX I got a Robo call and did not pick it up, I got another one immediately answered it and was told it was so and so ( I can't remember his name ) from Chase XXXX I said no it's showing as a Robo call. He said that was strange but to go into my caller and click on the info, when I did it showed as Chase and the number that is on the back of my debit/credit card. This man told that a woman named XXXX in XXXX had stolen my account information and set up an auto draft with XXXX XXXX. In order to stop the auto drafts was there an email address not currently tied to my Chase online banking accounts? I gave him an email that I rarely use and I started getting emails from XXXX XXXX backing up everything he was telling me. He told me that we needed to close my checking and savings accounts so that this person could no longer auto draft the funds and I would need to first XXXX transfer all the money in both accounts to my other email address. Once I did that I would be getting a 6 digit access code from XXXX XXXX. When I got that code I needed to confirm that number to him so they could verify my identity and ensure that my original account was untied to the XXXX XXXX auto draft. 

The second I gave him the code, the money in my accounts was gone and so was he. We had been disconnected once in the call prior, but he called me back in less than 10 seconds. I EVEN said, I swore this was a scam, but when he called back was assured. I never gave him any of my financial information, XXXX, XXXX, or anything like that. I had no clue that Chase didn't call you, and even more so that they wouldn't call from their customer service number. 

I reported the issue to Chase as fraud, but found out today, because I XXXX  myself the money, they are not reimbursing the funds. I also called XXXX XXXX as I thought they would like to know someone is using their company name to scam people out of money. They wanted nothing to do with the situation and offered me no assistance what so ever.
Product: Credit reporting, credit repair services, or other personal consumer reports

DEAR EQUIFAX! 

I have received your invastigation and I disagreed with it. Some of these inaccurate accounts are only reported through you but not the other bureaus. like XXXX XXXX NOT IN XXXX. XXXX XXXX ALSO NOT REPORTING IN XXXX. YOU VIOLATED MY RIGHT BY LETTING THESE COLLECTION AGENCIES REPORTING INACCURATE INFORMATION INTO MY CONSUMER REPORT. AS I MENTION BEFORE THESE COLLECTION AGENCIES AND EQUIFAX ARE VIOLATING MY RIGHT AND CAUSING ME MY MENTAL AND SO MUCH STRESS DUE NOT ABLE TO QUALIFY FOR ANYTHING. I AM ABOUT TO BE LIVING IN THE CAR SOON BECAUSE I CANT OF YOU GUYS. I JUST GOT DENIED FOR A HOUSE WITH FIRST KEY BECAUSE OF THESE COLLECTION AGENCIES AND EQUIFAX. PLEASE I DEMAND THESE ACCOUNT TO BE REMOVED FROM MY CONSUMER REPORT.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following companies have violated my rights : XXXX XXXX Accounts ending in XXXX and XXXX XXXX Account ending in XXXX Chase/ JPMCB Card ending in XXXX 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666 B : States a creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for and purpose.
Product: Prepaid card

There was an unauthorized charge on my American Express gift card. 

purchase date : XX/XX/year>XXXX  Amount : {$500.00}
Product: Payday loan, title loan, or personal loan

I received postal notification from Cashnet stating that I owed {$1200.00} reference number XXXX which is a personal loan that was approved on XX/XX/XXXX. This was the work of a hacker who stole my information and used it to withdraw the above amount. I did not receive billing for this account until approximately XX/XX/XXXX. I spoke with a representative concerning this matter, and was told to file a police report then wait on an additional billing statement then contact customer service once the letter was received.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, I had {$280.00} in my CashApp account when I received {$450.00} repayment for an upcoming trip to XXXX ( XXXX XXXX XXXX US State Department ). On XX/XX/2023, I received another {$200.00} from the same person for a total of {$650.00}. After not being able to transfer my funds I contacted CashApp via the phone and was told that I couldnt receive any information and that I would be contacted via email. I received an email asking me to explain the activity in my account. I answered all the question. Since the initial interaction I have emailed with Cash App for 6 weeks answering every question and asking for an explanation of their process and timeline. I have not been provided an explanation of their process or given a timeline. I receive emails from their team asking me to provide the same information over and over again. The only way to communicate with the team is via email and they do not respond timely or answer questions.
Product: Mortgage

Without and prior notice my mortgage payment went from {$770.00} inXX/XX/2018 to {$780.00} in XX/XX/2018. I called Pen Fed Mortgage Company this morning and was told that the payment had been increased by a decision made by the company in XX/XX/2018. I was told that the escrow payments were increased and that the new amount was due to tax and insurance increases. I asked the lady whether the company bothered to send a notice of increase and she said that there was no notice sent on record. I am totally bothered by the fact that this company can just raise the amount collected from direct deposit without notifying me of any increases.