23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I got divorced XX/XX/XXXX as part of the mediation I was awarded the house. I was to refinance the house and my ex-wife was to receive XXXX  dollars upon new mortgage. She signed a quick claim deed and waved all rights to the home. In the refinance I was to pay off the old loan which I did so her name is off and the new loan only in my name.

I closed on the new loan with 3rd federal on XX/XX/XXXX. The old loan was paid off within a couple of days and I was sent a escrow check with My name as well as my ex-wife name on it. I called up to complain since I have no idea were she is and no one that we new has heard from her.

They said they would re issue the check only in my name. Another month went by and I got another check made out in both our names. So I called back and asked to speak to a manger. They told me they would reissue the check only in my name. I didn't receive a check so I called again and they told me the check was sent out and was in both our names again. So I asked to speak to the manager. They told me the check wasn't sent out.

Now they connected me to another supervisor and they said if I sent in my mediation papers plus the signed order from the judge and the quick claim deed they would issue the check only in my name. So I did that that the week of the XX/XX/XXXX.

I called today XX/XX/XXXX to verify the status of my check and they gave me the same story that it could only be issued in my name.

I have no way to get in touch with my ex so they told me to reach out to her family. Well her family consist of her XXXX  year old mother in XXXX who does not speak English and I have no phone number. So basically they will just attempt to keep my escrow.

All the money in the escrow account was my money. My wife left in XX/XX/XXXX she did not pay one penny into the account in which the mortgage payment was paid out to loancare.

Also when they had XXXX of my money they did not pay my flood insurance on time and my homeowners insurance on time so both were canceled for non payment. They also dragged the heels on paying the taxes until I called up. All the time sitting on my money that I paid in.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not authorize the following charges or open the following accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's identity theft affidavit. I have been a victim of identity theft since 2014 the suspect ( s ) also tried to file a tax return in my name I have also attached the affidavit from the Internal Revenue.Please delete the items as soon as possible.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  **** Balance Owed : {$790.00} XXXX XXXX  XXXX XXXX Balance Owed : {$600.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$790.00} XXXX XXXX  XXXX XXXX Balance Owed : {$600.00}
Product: Credit reporting or other personal consumer reports

Experian is displaying inaccurate and fraudulent information on my credit report. I have disputed the items and asked to be provided with validation letters with my signature. I have also contacted the other parties requesting debt validation and nothing has happened. 

My only Name is and has been XXXX XXXX XXXX my ONLY address is XXXX XXXX XXXX XXXX XXXX in XXXX Experian is reporting XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX is reporting XXXX XXXX XXXX XXXX on my report. 

All of this companies have failed to validate produce any information signed by me with my only name that I already provided. it has been more than 90 days since I requested this information and they have yet to provide it. they claim that the information comes back as " VALIDATED '' but again I have yet to see a paper with my signature that I owe any of the creditors mentioned above.
Product: Credit reporting or other personal consumer reports

These are the companies and inquiries that I do not recognize : 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: 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$4700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously had an auto lease with JPMCB. The car was totaled due to an accident, therefore the lease ended in XXXX of XXXX. JPMCB is still reporting this account open. There is no longer a car being leased under this account, therefore the account is CLOSED. Also, the previous monthly payment is being reported incorrectly at {$1300.00}. The previous monthly payment was {$370.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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. 1681s-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've noticed that my credit report contains incorrect personal information, which has led to the appearance of several unknown and inaccurate accounts under my name. These errors are both frustrating and harmful, impacting my creditworthiness and financial stability.
Product: Debt collection

I never received my right to dispute under the FCRA. Please remove this from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Qualia Collection Services for egregious violations of my consumer rights, as protected by the Consumer Financial Protection Act. It has come to my attention that Qualia Collection Services placed a collection account on my consumer file without issuing the requisite notice and without notifying me of my right to dispute this alleged debt. The date opened on my credit report is XX/XX/2024. I have not have any dealing with this company nor have they sent me any notice.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding Equifax s failure to adequately investigate and correct inaccurate and unverifiable information on my credit report, as required under the Fair Credit Reporting Act ( FCRA ). Despite my previous attempts to dispute these inaccuracies, the issues remain unresolved, and I demand immediate corrective action to ensure my credit report reflects accurate and verifiable information.

The following inaccuracies have been improperly reported : 1. Addresses : My report includes addresses that I am not affiliated with, which are not linked to my current or previous residence history.

2. Telephone Numbers : There are phone numbers listed on my credit report that do not belong to me and have never been associated with my personal or financial accounts.

3. Hard Inquiries : My report shows hard inquiries that I did not authorize or initiate and for which I do not have any current or open accounts with the inquiring entities.

Under the FCRA, specifically 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit reporting agencies are required to conduct a reasonable reinvestigation when a consumer disputes the accuracy of any item in their file. Additionally : 15 U.S.C. 1681e ( b ) mandates that consumer reporting agencies maintain reasonable procedures to ensure maximum possible accuracy of the information reported.

15 U.S.C. 1681c outlines the permissible content in a consumers credit file, and unverified or inaccurate information must be promptly corrected or deleted.

15 U.S.C. 1681b ( f ) restricts the inclusion of hard inquiries to only those initiated by the consumer or with their express consent.

Equifax has failed to meet its obligations under these provisions by not thoroughly investigating or resolving my disputes. Furthermore, the continued reporting of inaccurate and unverifiable information has caused unwarranted harm to my creditworthiness and financial standing.

I demand that Equifax immediately : 1. Remove all inaccurate and unverifiable information from my credit report, including : All addresses and names that do not match my current government-issued identification ( e.g., drivers license ).

Any telephone numbers that I have not personally verified as my own.

All hard inquiries that were not authorized by me or associated with a current or open account.

2. Provide a detailed response outlining the actions taken to address these issues.

If Equifax fails to comply with this request within the timeline mandated by the FCRA, I reserve the right to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and state regulatory authorities. I am also prepared to pursue legal action to protect my rights under federal law.

Please consider this letter my formal notice and demand for compliance. I look forward to a prompt response within 30 days, as required under the FCRA. You may contact me at [ your phone number ] or [ your email address ] should you require further information or documentation to resolve this matter. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I made my utilities payment to XXXX  XXXX in XXXX payments using the app. Neither payment was received by XXXX  XXXX. The company returned XXXX payment but declined the second other payment stating that because I originated the payment of my own accord on my own device. 

The XXXX payments now addressed, but are not the only infraction, occurred on or about XX/XX/year>. 

This rationale is severely flawed and fraudulent as nearly all transactions on the app are made by customers of their own accord, using their own personal device. This fact does not absolve the company from unlawful disappearing of customer funds as here. This was and is NOT a first infraction. 

To add insult to injury, I nevertheless had to PHYSICALLY GO to XXXX XXXX payment center to REPAY the funds owed them even though I had made the payment transaction to them. 

Moreover, Cash App does not notify you when a payment failure has occurred whenever it just disappears so ones utility is always in danger of being cut off unbeknownst to self. Very stressful!
Product: Credit card

I have a credit card with XXXX for over a decade. I am a customer in good standing. I pay all my bills on time. In XX/XX/XXXX, I purchased a sweater using my XXXX card. 
I got my bill at a time I was extremely ill with a serious XXXX on my XXXX and awaiting doctor 's appointment. I had not been able to leave my apartment other than to buy for for over 2 weeks in XX/XX/XXXX to XX/XX/XXXX due to horrible weather. I can not risk getting XXXX or XXXX. I live alone. I had taken the bill out to pay some time around XX/XX/XXXX. I forgot to put it in the mail box. I found it in my briefcase 4 days later. I immediately called XXXX. They said not to worry that I am a good paying customer. I asked them not to impose a late fee. They said they would not do so. I just got my bill and there is a whopping {$27.00} late fee imposed by them. This is outrageous. They also claim that I owe {$93.00} and a minimum payment of {$32.00}, when I paid for their {$62.00} sweater in full. 
I am positive I had way less than 25 days from date I got their bill till due date. Please help me with this situation. I spent over 15 minutes on the phone with their customer service person, then told the person I had to leave for doctor 's appointment. I was unable to call back due to the fact that I work XXXX hours a week.
Product: Money transfer, virtual currency, or money service

Zelle is the Only App that does not have any accountablilty nor does it warn users that sending money to a stand alone zelle app is not protected..Zelle and XXXX  XXXX only notify consumers after the money has been given and it does not matter if the president of the United Stated says it is fraud..the defense is that you should only use zelle for family and trusted friends..
Product: Credit reporting or other personal consumer reports

I am writing to address a matter of utmost concern regarding my credit report, as documented. It has come to my attention that fraudulent accounts persist on my credit report, and regrettably, no corrective actions have been taken to rectify this erroneous information. 

Upon reviewing my most recent credit report, it has become apparent that inaccurate accounts continue to be reported, raising serious concerns about the integrity and accuracy of my credit profile. Despite my previous efforts to bring this matter to your attention, there seems to be a lack of resolution. 

In light of this ongoing issue, I have taken the initiative to file a report with the Federal Trade Commission ( FTC ), and I have attached the relevant documentation for your reference. The FTC report is filed under report number XXXX and serves as both a formal complaint and evidence of the fraudulent accounts impacting my credit history. 

I kindly request that Experian conduct a thorough investigation into this matter at your earliest convenience. It is crucial to address and rectify the inaccuracies promptly, ensuring the integrity of my credit report and preventing any further damage to my financial standing.
Product: Checking or savings account

they were supposed to send out settlements for their customers and ive been a customer since XXXX never received my settlement nor the response they gave
Product: Credit reporting or other personal consumer reports

In 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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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. 1681s-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: Checking or savings account

On XX/XX/XXXX I transferred {$1700.00} from my XXXX savings account to my NFCU checking account. I mistakenly chose my NFCU account that had been closed XX/XX/XXXX. I immediately contacted both NFCU and XXXX. NFCU verified that the account had been closed and the {$1700.00} would go right back to XXXX. XXXX assisted in a dispute for me. Unfortunately the {$1700.00} did not go back to my XXXX account. After several calls to XXXX and in person meetings at NFCU, it was discovered that the {$1700.00} was sent to my ex-husband 's NFCU account. I had no association to this account at all. NFCU says XXXX made the mistake and XXXX claims the mistake was made by NFCU. The mistake was definitely not mine. NFCU says they have proof that the {$1700.00} was returned to XXXX, and XXXX sent it to my ex-husband 's account. XXXX sent NFCU an XXXX  stating the {$1700.00} was sent in error. XXXX contacted me XX/XX/XXXX and stated that the XXXX  they sent was a courtesy to me, that NFCU made the mistake.
Product: Mortgage

This is In Reference to my previous complaints that I have asked you to investigate against Bayview / Community loan servicing under complaint # XXXX and XXXX. I am asking CFPB to investigate the details of the forclosure below. 

Community loan servicing is not responding to the their improper handling of this mortgage foreclosure. 

ALL CORRESONDENCE ( PLEASE SEE THE ATTACHMENTS ) WERE SENT TO THE ADDRESS OF THE PROPERTY WHERE NONE OF THE PARTIES RESPONSIBLE FOR THE MORTGAGE RESIDE. EVEN THOUGH I MADE AGREEMENT FOR THE LOAN MODIFICATION IN XX/XX/XXXX VIA EMAIL AND THE FIRST PAYMENT WAS CASHED IN XX/XX/XXXX, NO FURTHER CORRESPONENCE WAS SENT TO ME AT MY ADDRESS THAT WAS GIVEN TO COMMUNITY LOAN SERVICING. EVERY PIECE OF CORRESPONDENCE WAS SENT TO THE INCORRECT ADDRESS. 

The loan modification agreement that was issued by Bayview was never forwarded to me for the payment arrangements although Bayview had my home address, email and my cell phone number. There were no attempts to contact me only letters and arrangements sent to the property address that I did not receive. 

The transfer of service that is referenced to have been issued to me was also issued to the address of the property. This information as to the transfer of the mortgage was never sent to me to my address of record nor was I notified in any other way. 

Community had all of my contact information but chose not to contact me at my home address, my business email, nor to my cell phone. XXXX XXXX at Bayview had all of my contact information. ( see the attachments ) Community states they are unable to comment on the servicing of the loan as the loan was transferred to XXXX ; however they were responsible for giving the new assumed company my correct contact information which was NOT done. 

The transfer of service company, XXXX XXXX, was not given my correct contact information by Community as no attempt was made through this company regarding the previous modification or a new modification agreement and the property was sold on XX/XX/XXXX without any notification to me as guardian to XXXX XXXX XXXX. 

This is my third attempt to ask to have this reviewed as to the fairness and integrity of the transactions that occurred. I continued my contact with Bayview/Community into XX/XX/XXXX with no resolution and no cooperation. Community simply want to transfer the blame for the foreclosure sale to XXXX XXXX XXXX XXXX whom never received the proper contact information for this loan.
Product: Credit card or prepaid card

I received an unsolicited debit card from Netspend all-access on XX/XX/23. When I call the number listed on the card ( XXXX ) or the number listed on the terms and agreement ( XXXX ), it makes me try and activate my card. Due to the fact that I did not request the card, I do not want to proceed with the activation process. When I ask for an operator or hit zero ( " 0 '' ) I get disconnected. The terms and agreement list the CFPB as the next step if there are issues.
Product: Credit card or prepaid card

I sent a copy of a statement with remittance transfer and correct verbiage and tender of payment and it was destroyed and disregarded and thats a violation of both Public law 106-229 and 15 USC 1693o-3 . I have recorded call of them opening a dispute and crediting the account allegedly but no changes have been made and now I have a late payment and my utilization is impacted affecting my consumer report.
Product: Debt collection

XXXX XX/XX/XXXX, charged off amount for {$790.00}. Wrote the XXXX, emailed the President of the Company. Barclays Bank Delaware has violated the federal law under the Fair Credit Reporting Act section 608 and 611 by reporting after my husband went off XXXX XXXX in XXXX due to combat related injuries. Servicemembers Civil Relief Act was also violated. They have multiple accounts on my husband 's credit report that payments were stopped and balances were adjusted to reflect the Servicemember Civil Relief Act. I submitted documentation showing he was on XXXX XXXX because they had violated the law. This company saw my husband was on XXXX XXXX and documentation was submitted to them via fax. Never reported any late payments until he was released from XXXX XXXX and is completely XXXX. They are also violating the Fair Debt Collection Practice Act by reporting to the credit bureau after my husband went off XXXX XXXX. I have disputed this multiple times with the credit bureau and Barclays Bank is now put the debt as a charge off/collection when in fact they are breaking numerous laws. Barclays Bank needs to be penalized for not abiding by the federal laws that are in place for the consumers. This company continues to violate laws.This company is not veteran friendly. The federal government need to get involved and make sure they are not taking advantage of the consumer especially a veteran who has served his country. They are up on statue of limitations in the state of Virginia as well. The list just goes on and on. They never reported on his credit report when they approved my husband for the Servicemembers Civil Relief Act.
Product: Credit reporting or other personal consumer reports

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$350.00} & XXXX XXXX  of Inquiry XX/XX/2024
Product: Payday loan, title loan, or personal loan

On or about XX/2017 I borrowed XXXX $ from Check and Go, I experienced a unforeseen problem. The Company Check and Go continues to call my employer with automated massages. Is this unlawful? I plan to pay my dept, but this is causing problems at my job.