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

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

XXXX XXXX, XXXX. DID NOT PROVIDE DISCLOSURES, AGREEMENTS OR SIGNATURE CARD AT THE TIME I OPENED MY ACCOUNT ONLINE XX/XX/XXXX. AFTER CHASE CLOSED MY FEDERAL BENEFITS EXEMPT ACCOUNT ON XX/XX/XXXX I RECEIVED SEVERAL LETTERS FROM CHASE REFERENCING A DEPOSIT AGREEMENT THAT I NEVER RECEIVED. I DO UNDERSTAND THAT CHASE HAS AN OBLIGATION TO PROVIDE THIS INFORMATION WITHIN 30 DAYS OF OPENING THE ACCOUNT. IN THE FUTURE CHASE BANK MAY WANT TO SEND DEPOSIT AGREEMENTS, SIGNATURE CARDS AND DISCLOSURES IN SUCH A WAY AS TO ENSURE PROOF OF CONSUMER RECEIPT AND ACCEPTANCE. THIS WOULD BE ESPECIALLY RELEVANT TO A CONSUMER WHO HAD OPENED THEIR ACCOUNT ONLINE AS I DID. 

I RECEIVED A SIGNATURE CARD FROM CHASE ACCOMPANIED WITH A LETTER DATED XX/XX/XXXX. THIS SIGNATURE CARD IS MISSING MY SIGNATURE, WHICH WOULD BE REQUIRED ON THE DOCUMENT. THE SIGNATURE CARD IS USED AS A SECURITY MEASURE TO VERIFY SIGNATURE COMPARATIVES. THEREFORE THE SIGNATURE CARD WOULD REQUIRE A LIVE OR WET SIGNATURE. THE SIGNATURE CARD CHASE HAS SENT ME IS NOT RECOGNIZED BY ME AND IS NOT SIGNED BY ME. I MUST CONCLUDE THIS SIGNATURE CARD SENT TO ME WAS CREATED AS A FICTITIOUS DOCUMENT IN AN ATTEMPT TO DECEIVE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. In XX/XX/XXXX I owned a XXXX XXXX XXXX vehicle. That vehicle had broke down in XXXX, FL and I had it towed a dealership called XXXX XXXX XXXX. XXXX  XXXX XXXX would not work with me to setup a payment arrangement because at that time I had also lost my job due to Covid. So I had a monthly payment due as well as now the vehicle needed repair. I immediately sent an email back to the manager on XX/XX/XXXX advising them to pick up the car because I could no longer afford the payments. Please see first email attachment. The balance on the car at that time was a little over XXXX owed. I also spoke to the same manager over the phone and they also confirmed they will be sending someone to that dealership to pick up that vehicle. I then called the dealership and advised them to NOT work on the car since it will be picked up by XXXX  XXXX XXXX Well months go by and I never heard another word from anyone. I just assumed the car was picked up. I was just waiting on the final deficiency balance to arrive in the mail. Well toward the end of XXXX early XX/XX/XXXX I started getting calls from XXXX  XXXX XXXX looking for the car. I was soooo confused then followed by a letter in the mail stating XXXX of XXXX XXXX SOLD the car at an auction. How is that possible?! I then received a call from a tow driver asking when will be a good time to pick up the car? We are like 6 months into a new year and the car should have already been picked up but XXXX  never picked up the car. I then forwarded a copy of the auction letter over to the tow driver who then stated he will be reaching out to XXXX  XXXX XXXX since it showed he was looking for that car in my possession. Please see second screenshot of the letter. A few weeks later in mid XX/XX/XXXX I then received another call from someone in collection at XXXX  stating I will owe the balance of XXXX ... .How the balance jump from XXXX to XXXX? That is not right. According to the law I was under the impression the car would be sold and I would pay the difference which is called a deficiency balance which should be way lowered than the XXXX... So XXXX  XXXX XXXX has NO CAR to sell but yet displaying that full balance on my credit report. That balance is inaccurate and I need representation to get some help with clearing up this issue.
Product: Debt collection

identiy thef with  XXXX   XXXX  visa.purchase was made in newyork. and I  livein Puerto rico.file police report in Puerto rico.am ount of  XXXX  .need he lp.
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Account # XXXX To whom it may concern ; I am writing to request a goodwill adjustment to my payment history in regard to the payment that was made on XX/XX/XXXX. Said payment was reversed by Honda Financial because the account that was used marked Closed. 
On XX/XX/XXXX, I added a new payment account, XXXX XXXX XXXX XXXX Account # XXXX, Routing Number XXXX to my Honda Financial Profile. After adding the new payment account, I then went to payment option screen to make payment using the XXXX XXXX XXXX XXXX information. I entered {$500.00} and hit submit. 
On XX/XX/XXXX, I was notified by email that my payment was reversed because of the account that was used was Closed. I was quite puzzled because I would have never made a payment using a closed account. I called XXXX XXXX XXXX XXXX and asked if my account was in good standing. The representative told me my account was indeed and good standing. 
On Monday, XX/XX/XXXX and spoke with a gentleman with Honda Financial who informed me that the account that was used to make the XX/XX/XXXX was a XXXX account that was in my profile. I told him I would have never used that account because that account is never used. I told him that was a mistake and I asked if there could be anything done in regard to my payment history and not to be reported late the three credit bureaus.

I have leased two vehicles with Honda since XXXX and I have almost perfect payment history and I am loyal Honda customer. 
I am requesting a goodwill gesture from Honda Financial to grant me an adjustment to payment history to reflect no late payments or delinquency to the credit bureaus. 
Thank you in advance for your consideration. 
XXXX XXXX XXXX, XXXX XXXX # XXXX XXXX XXXX Email : XXXX XXXX
Product: Credit card or prepaid card

I was send a flyer by a company by the name of XXXX XXXX promising that for a fee, they can negotiate a cancellation of my Time Share that I can no longer used. I went to a meeting and was convince that they can, made all kind of promises. Since they were accepting payment on my credit card, believing in the ablility of Credit Card organization to help recover fund if the merchant prove to be unreliable I agreed to pay using my cards. However, since that time, except for two interactions, all contact stopped, and despite all attempts there were no response. 
AT that point I contacted my credit card company, XXXX under Elan Financial. Despite the fact that the service itself was to be provided at a later date, between 12 and 18 months, XXXX is refusing to take any action on my behalf hiding behind the FCBA regulations. They are claiming that the charge was older than 90 days and there is nothing they can do. 
In fact, today I, one more time, called the number given on the credit card charge, someone by the name of XXXX answered but immediately told me that my dispute is with XXXX XXXX and they have no affiliation with them. Based on this interaction, I believe that the whole transaction was fraudulent and should be looked into by a goverment agency. 
As far as I am concerned, XXXX acted as an agent of that merchant and should be responsible for their fraudulent action. In fact, if XXXX did not legitimize them, I would not have accepted to enter into a transaction by paying cash or check. I truly believe that in case of problem I could always depend on them for a fair and equitable resolution.
Product: Credit reporting

I have recently pulled my credit reports, due to interest in buying a house. I have noticed that there are XXXX bankruptcies reporting on my credit report, and this is inaccurate information. I have called the bureau to report this information as inaccurate and they told me that the information can not be removed or disputed. I have since wrote the Clerk of Courts, and they responded to me with a letter saying that they have never verified this information given, and they do not verify such information with the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB I am writing to dispute a number of inquiries that were made on my credit report without my authorization. I have recently received my credit report from XXXX, TransUnion, XXXX and I noticed that there were several inquiries made by companies that I did not approve or authorize. 


I have not applied for credit, nor have I given permission to any party to access my credit information for any reason. As a responsible consumer, I regularly check my credit report for signs of identity theft or any other issues that could negatively impact my credit score.

I understand that there are certain circumstances where inquiries may be made without express authorization, such as when applying for a mortgage or other types of loans. However, none of these circumstances apply to the inquiries in question. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Illinois XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am requesting that these inquiries be investigated and removed from my credit report as soon as possible. I would appreciate it if you could inform me of the outcome of your investigation regarding this matter.

Thank you in advance for your assistance in this matter. 

Sincerely,
Product: Checking or savings account

Used Atm for a withdrawal of {$400.00} ( 4 ) {$100.00} currency Bill 's but received ( 2 ) {$100.00} currency bills and ( 2 ) {$5.00} currency bills. Held up to camera and went straight into the bank to recover correct amount. They have me a temporary credit of {$190.00} but 2 weeks later took it back.
Product: Mortgage

I have been applying for a mortgage loan with Great Western and because the student loans are in a transition they are being unfair using that against me. I have been on a payment process pan doing what I am supposed to do prior to all this Covid holds and etc. So because my payment shows XXXX they are attempting to put in their own monthly mortgage payment not believing what is being shown. I have had a terrible time getting documentation from student loan servicing agencies to prove it. This has been an unnecessary stressful process that is out of my control and the mortgage industry needs to find another plan to hold people accountable in regards to their student loans. It feels like I am being targeted in a political war and this company has an issue with what the government is doing with student loans. Why Am I being punished for that? The loan officers are rude. If I was a white male I wouldnt be treated or talked to the way I have been.
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 reported for these violations.
Product: Checking or savings account

My name is XXXX XXXX and i'm writing this email to complain against citi bank for blocking and unsling my account for absolutely no reason. on my XXXX XXXX  i went to the branch on XXXX  NY XXXX due to my account being blocked for no apparent. i deposit a check on XX/XX/XXXX for the amount of {$50.00} from a company that i had sold my grandfathers vintage instruments to. the money was available on XX/XX/XXXX and i transferred the to my saving that day and my account was blocked automatically. i went to the branch in XXXX  and i was there for XXXX. they called costumer service and they unblocked my account. the next day XX/XX/XXXX they blocked my account again i went i called the fraud department a XXXX number and they told me they couldn't provide me with any information in regards to my account to go back to the branch which i did. 
the branch couldn't provide me any information in regards as to guy my account was force. i called costumer service again as i was still in the branch and they told me i would have to wait 24 hrs for my account to be available in order to have access to my account they issued me a new card which i got. i called costumer service to active because i couldn't log in the app and they told me they couldn't activate my account because my account is froze. ONCE AGAIN. 
i worked hard for everything i have and all the funds i had in my account and now im being robbed for all the money in my account i need answers and i need help getting the funds out of my account immediately. every time i called costumer service and the fraud department they told me something different they been playing with my account because of the amount of money i have in my account and it's extremely upsetting i've been a member with citi bank for XXXX XXXX  years and i have never experience anything like this please help!
Product: Mortgage

I am XXXX military and after transferring from Maryland I could not sell my house due to its decline in value. I also could not refinance because it was considered an investment home. I requested a modification to make the payments more affordable. I showed financial hardship and for a year was given the runaround by ocwen for them to ultimately deny me the modification. Die to flood damage costs by the tenants and the tenants financial hardship, they were unable to make full payments. I was unableTo repair the home, make the mortgage payment and continue to pay the rent in the home my family of XXXX children currently lives in. I wasLate on the ocwen mortgage for a few months, less than three, during summer of 2014 while I was XXXX to the XXXX XXXX. Ocwen finally granted me a modification once I became delinquent on the payments. I have been current on all payments since XXXXOf 2014 yet ocwen continues to show that I 'm making late payments as recent as XXXX of 2014. This is affecting my ability to even rent a home and keep shelter of my families head because landlords are seeing the in accurate reflection. Ocwen has not positively worked to rectify this problem and I need help.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX XXXX, This is the 3rd request reporting inaccurate accounts that were NOT authorized by me and incorrect names in my report. I am a victim of identity theft and need the accounts incorrect names deleted from my credit report as soon as possible. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 
Account XXXX XXXX XXXX, Date open XX/XX/XXXX reporting amount of {$500.00}. Account XXXX XXXX XXXX, Date open XX/XX/XXXX reporting amount of {$11000.00}. Account XXXX XXXX XXXX, Date open XXXX XXXX reporting amount {$2500.00}. XXXX XXXX LEASING ( XXXX ) Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not make any of theses charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit is perfect but yet my credit score keeps going down. I believe Experian is vindictive and harassing by driving down my credit score by not removing erroneous and fraudulent information and inquires. In addition, Experian has sent my file to their Special Handling services making it extremely difficult for me to expedite updates and disputes. All these things are further proof that when you complain to Experian, they will do things to drive down your FICO score via retaliation and vindictive acts. I believe class action civil action needs to be taken against Experian as a punitive measure to stop their material misrepresentation and vindictive acts.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I'm writing this complaint in reference to my recent interaction with Wells Fargo Dealer Services. I've reached out to WFDS on 3 occasions via USPS mail, with zero responses back from anyone at the company. 

My account was closed on XX/XX/2014 and it was originally reported that I owed {$610.00}. I then disputed this amount, with all three credit bureaus. Sometime in late XXXX / Early XXXX, this amount owed was removed from all three bureaus/reports. 

WellsFargo Dealer Services still continues to report this as a charge off. 71 charge offs to be exact, and each month a new charge off is added. This is destroying my credit score and is major red flag to future lenders. 

I find it unprofessional and unacceptable, WFDS hasn't responded, or attempted to rectify the complete error in their reporting to all three credit bureaus. 

I've included all three letters that I've sent to WFDS.
Product: Credit reporting or other personal consumer reports

I received notice on my XXXX report there was a hard inquiry from Citi Cards CBNA as of XX/XX/XXXX. I immediately called the number listed for creditor and they were unable to locate any hard inquiry related to my social security XXXX. Therefore, they were unable to confirm inquiry could be removed. My credit score has already been affected by this hard inquiry. 
I would also like to add on XX/XX/XXXX I also received notice when filing my taxes that I was a victim of identity fraud. However, I was not advised at that time to file any report. I will be contacting XXXX next. I am sharing this information to provide background.
Product: Credit reporting or other personal consumer reports

I am filing a compiaint against Equifax for failing to properiy investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 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 Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts Ive marked as inaccurate XXXX XXXX XXXX and XXXX XXXX.
Product: Mortgage

My daughter and son-in-law have applied for a rate reduction ( also called streamlined refinancing ) on a loan they hold with Freedom Mortgage. My wife and I are co-signers on the loan. The loan is FHA insured. As part of the process, Freedom Mortgage provided us a link to review and sign documents. One of the documents is an Occupancy Agreement. This document requires that we certify that " Borrower intends to occupy the property ... as Borrower 's primary residence. '' All four of us are listed as borrowers. As co-signers, my wife and I are not intending to occupy the property, but my daughter and son-in-law currently do occupy the property and intend to continue to so. For my wife and I to sign this document would be a false statement and would also leave my daughter and son-in-law vulnerable to the lender calling the loan or adjusting the interest rate. 


I brought this problem to the attention of the Loan Advisor on Thursday XXXX XX/XX/2020. Her response back to my son-in-law was " while your in laws are not required to occupy the property, we are not able to edit the document because the is how it is generated. That being said, in order to move forward we would need the documents signed as they are ... '' In other words, if you want us to continue processing this rate reduction, lie and sign the document. My son-in-law has communicate with the Loan Advisor on at least three more  occasions trying to resolve the issue with no success. An excerpt of one of the emails states again " Unfortunately, that is the way the documents are generated and would need to be signed as they are in order to move forward. '' Another email stated " I understand the concerns. However if you look at the documents they also state they are preliminary. They are auto generated, and I can not make any changes. This is how all the packages go out when there is a non-occupant co-borrower. Unfortunately I dont have another solution. '' To my knowledge, this has all been done by email ( other than my original notification to the XXXXoan Advisor which was verbal ). The Loan Advisor has made no attempt to engage myself or my son-in-law by phone to resolve. 


Today ( XXXX XXXX ), I've made three phone calls to Freedom Mortgage to engage someone more senior in the company. The first attempt, I was on hold for 30 minutes after being referred to a supervisor with no indication of someone helping. The second call dropped five minutes after being referred to a supervisor. On the third call, I was on hold for 20 minutes before the call dropped. The agent called me back and I was on hold for over an hour waiting for a supervisor before the call dropped again. The agent sent an email for someone to call me back. 


I consider the conduct of this company to be extremely unethical basically suborning perjury. The company has refused to modify the documents to be truthful. 


The documents must all be signed within the next 30 hours for the process to continue ( even though the rate lock doesn't expire until XXXX XXXX )