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

I am writing my CFPB Complaint today to notify you that I want to ask further assistance from you in removing the inaccurate or fraudulent items in my credit file. The three credit bureuas should remove that items in my credit file but I found out they are still appear in my account. With this issue, the three Credit Bureaus are lack of coordination and it was their obligation to remove such items and these are the following items needs to be remove quickly in my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I was recently notified ( XX/XX/XXXX) by an employee of HSBC Bank that my checking account has been incurring fees of {$50.00} per month beginning possibly no earlier than XX/XX/XXXX.

After complaining, the bank agreed to reverse 3 months of such fees. This leaves {$200.00} of my funds in the hands of the bank.

The account from which the fees were taken was a zero interest checking account. The bank states that I should have reviewed my bank statements, which I did, but I did not see the charges. The bank stated that they alerted me that the fees would start in an email which I never saw.

The bank also stated that I can open an account without any fees but that requires a lower balance to not incur fees, this I did at least until the fee issue is resolved.

I have had the checking account open since XX/XX/XXXX and was never previously charged a fee.
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 an address fraud on their platform, leaving my account, vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

New Information This communication is to inform Experian to PLEASE STOP FRAUDULENTLY LABELING MY PERMISSIBLE REQUEST AS " DISPUTES '' I understand Experian is NOT a bureau nor is it backed by any government agency. I am aware that Experian is in fact a consumer reporting agency that has assumed, not given, a vital role in assembling and evaluating consumer credit and other information on consumers. 

Under these circumstances, I am aware that pursuant to the FDCPA and 15 U.S. Code 1681b - Permissible purposes of consumer reports, As a third party, Experian MUST comply with my written instruction. I hereby DEMAND that all negative accounts, Late payments, Hard and Soft inquiries, Delinquencies, Charge offs, and additional information such credit limit/high balance, that were not verified or authorized by me XXXX XXXX XXXX in written format be DELETED IMMEDIATELY. 

Experian continues to update my report with no proof of proper verification or investigation. If this matter is not resolved immediately I will be contacting the NY Attorney General regarding this matter as well.
Product: Credit reporting or other personal consumer reports

According to FCRA 605B, it's imperative to delete any incorrect accounts from my credit report. Can you review the documents, please? I'm feeling uneasy due to inaccuracies in some listed accounts.
Product: Debt collection

This debt was paid in full by the pandemic bill during mandatory lockdown. All appropriate paperwork was filed with the main office but they are still allowing a collections team to ruin my credit score by trying to collect a debt I don't owe them. NO HOTEL ON EARTH would allow an individual to accumulate such a high bill and not evict said tenant well before it reaches the balance they say I owe. It's common sense.
Product: Checking or savings account

Td bank has held my check thinking it is a fraud check I offered proof to show how and why my check is real they say they dont need it I also try to ask for half of my deposit they say they cant honor my request yet make me wait till XX/XX/XXXX but yet they have a post on internet call keep a eye on your deposit in which it show you will be given half on second business day and they system didnt count the day of deposit as a business day which it want against it own on agreement I have medication to purchase and need my funds I have other life expenses to pay
Product: Checking or savings account

It was numerous times I had overdraft fees and other fees I can not give exact dates and amounts. I no longer have Wells Fargo
Product: Mortgage

I am a XXXX XXXX working with a client. I have beenb unable to resolve my issues with Loancare, despite numerous efforts. The client was approved for a trial loan modification with XXXX XXXX with instructions to make trial payments in XXXX XXXX. If the client maintained the trial payments, permanent modification documents would be sent out after the XXXX XXXX payment was received. The client made the XXXX XXXX payment but was informed in XXXX XXXX that the loan was sold to Loancare. The client began making payments to Loancare once he received updated payment instructions from Loancare. The client has been making payments on this trial payment ever since, but has yet to receive any permanent documents. At this time, the client made 2 payments to XXXX XXXX before the loan was sold and 4 payments to Loancare. I have tried reaching out to the single point of contact assigned by Loancare. He is never available and only returns voicemails if I escalate the case to a supervisor. When he does return the voicemail he tells me that he is escalating the case to underwriting and that I should check back in 24 hours and he will have the situation resolved. However, when I try to reach him 24 hours later, he is unavailable and does not respond. This " escalation process '' has occurred twice now. I have also tried speaking with a supervisor about this case but am repeatedly sent to voicemails. When I ask to speak to a supervisor who is available, I am told that the agents have no way of seeing who is available before they transfer the call. In the meantime, the loan is still listed as being in foreclosure status even though the client has fulfilled his obligations under the trial modification agreement. I also believe Loancare is continuing to charge late fees while they refuse to process the modification.
In addition to the specific mishandling of this loan modification, Loancare 's phone system is also incredibly difficult to navigate. I finally found the direct number for loss mitigation, as they are the only department with any authority to answer my questions ( per a customer service representative ) however, even when I call the loss mitigation department, my call is always rerouted to customer service or collections. The representative then tells me that since there is an overflow at loss mitigation they can not transfer my call back to loss mitigation but they also can not answer my questions.
Product: Debt collection

I would like to submit a complaint regarding inaccurate reporting on my credit report from Bridgecrest. This debt is a result of identity theft. This debt on my credit has been an extreme burden and has caused a lot of stress in my life and XXXX XXXX. I first noticed this debt on my credit in XXXX. Nature of Identity Theft : Opened an auto lease/ loan an in my name without my knowledge or consent. I have sent multiple letters explaining that I was a victim of identity theft and requesting evidence of any contractual agreement or documentation related to this alleged debt. Unfortunately, despite my earnest attempts, Bridgecrest has failed to provide any proof of such an agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I am highly disgusted with the practice of this company that continues to list a dismissed Bankruptcy on my credit report. The Bankruptcy was dismissed due to me changing my mind, and my mother helping me pay off some of my bills. I have disputed this issue with Transunion and XXXX multiple times now only for them to send back the same automated letter stating that their policy is to keep reporting Bankruptcies that are filed, adjudicated or dismissed for ten years. Not only have I received the same response from both companies but I also received a letter from a 'XXXX   XXXX ' from Transunion stating they never received a dispute letter from me which is a LIE ( and I have the responses in my possession ) and that I need to send in verifying documents AGAIN because I'm not reported in their database. How is that even possible when I've been disputing this for months? and a pretty similar response from XXXX XXXX from XXXX. The problem with this is not only is it severely hurting my credit and ultimately hindering my livelihood, the Fair Credit Reporting Act mentions absolutely nothing in Section 1681c regarding bankruptcy about dismissals and filings despite XXXX and XXXX mentioning that in the Fair Credit Reporting Act " allowing '' it to be reported for 7 years. However the law CLEARLY states from " Date of adjudication '' or date of " order of relief '' ANY case, civil or otherwise which is dismissed no longer exists in the eye of the law, and a case filed may never have actually been adjudicated. Therefore this company has no right to maintain any information that the government has deemed nonexistent. Therefore pursuant to section 1681 ( a ) ( 5 ) of the FCRA, they must delete this information from my credit report and send to me an updated copy of my  credit report when this action has been completed. Not only with this information from the law please also note that the dates listed as the dismissal is NOT correct, which I also have told Transunion and XXXX in a previous dispute leading to the fact and practice that ALL erroneous information reported calls for removal as well. It's quite ridiculous and a horrible practice from the company that with absolutely no remorse they have denied the dispute every time and not done the proper investigation nor resolution, it's unacceptable.
Product: Checking or savings account

XX/XX/2024, I asked for a fair resolution regarding my balance on the account, no action taken or explained, just that my account is suspicious of fraud.
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. 

XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # 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. 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: Debt collection

I never received a bill from the hospital or collection agency. This debt is for a hospital bill for my grandson. He lives with me. His mother has medicaid for his insurance. I brought the child to the hospital for emergency care. Upon checking my credit, I found this unpaid bill. I called the collection agency to give them his medicaid information and dispute the bill. I disputed this bill with XXXX and they have concluded that the bill is mine. Nobody is doing their job. This bill should be paid by medicaid or at least belong to his mother. They have also added his mother 's address to my credit report and I have never lived at this address.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Improper use of my report I am writing to formally dispute an inaccurate entry on my credit report, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

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, which I have not provided.

Specifically, I am disputing the following information that appears on my credit report : Account Name/Number : XXXX Account number XXXX Nature of Discrepancy : My account and information has been sold to a third party company and my information has been shared with them without my permission.

I request that you conduct a full investigation into the above-disputed item ( s ) and provide me with the results within the 30-day period as stipulated by the FCRA. According to Section 1681i of the FCRA, you are required to investigate the disputed item ( s ) and correct any inaccuracies, or delete the information if it can not be verified.

Please provide me with a written response outlining the results of your investigation and any updates made to my credit report. Additionally, if you find that the information is indeed inaccurate or unverifiable, I request that the entry be removed from my credit report, as required by law. 

Please acknowledge receipt of this dispute and inform me of the steps you will be taking to resolve this matter. 

Thank you for your prompt attention to this issue. I look forward to your response in the time frame set forth by the FCRA. 

Sincerely, XXXX XXXX XXXX XXXX. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed numerous disputes over the past several years. XXXX continues to report a bankruptcy XXXX US Bankruptcy court XXXX CA on my file. I have provided documentation from the court that appears on my file. I have contacted the supplier of this information given to me by XXXX. The bottom line is XXXX is the only credit bureau reporting this inaccurate unverifiable public record. I have complained to the so-called provider about this information and have been told they have not verified or supplied XXXX with this information. XXXX has reported this inaccurate data on my file for over 7 years without any facts. I have asked them to supply me with a copy of the public record but they refuse. This inaccurate information has affected me financially. I have not been able to get the best rates on financial loans or credits. I have been denied because of this inaccurate information. I am not able to achieve home ownership because of the effect it has on my credit score. The FCRA states that disputed items be verified. If lexis Nexis states they have not verified or provided any information. If the alleged court does not provide information directly to XXXX, how can it put this on my file but provide no factual proof? This is in violation of the FCRA. This is unethical and spiteful behavior by a company that is supposed to be a furnisher of truthful and accurate information.
Product: Debt collection

Letter received from TRANSWORLD SYSTEMS INC XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, WA XXXX XXXX. 
Stated it was a credit agency demanding payment of {$150.00} sum of balances from 5 accounts. Creditor not stated. 
I believe this to be a scam. I have checked with XXXX and XXXX  and there is no debt reported. 
Please advise
Product: Mortgage

I made a normal monthly payment to XXXX XXXXXXXX on XX/XX/2019. This payment was not processed as a normal monthly payment. Instead, this payment was applied towards my principal. My next payment is not due until XX/XX/2019. 

I was not informed that this amount would be applied entirely to my principal. Furthermore, the payment breakdown shown on the payment page showed the breakdown of principal, interest, and escrow. I have now been on the phone with Ocwen for over an hour trying to speak to a supervisor. My account is pre-paid and I do not have any outstanding late feed. 

I am pretty certain Ocwen 's payment processing vendor and website are just out-of-step with one another. However, I do not think Ocwen can apply my payment in a manner different than what was displayed during my payment processing. This is a terrible experience. I have had numerous problems with Ocwen. 

I have images which I will send to the person who evaluates this complaint.
Product: Vehicle loan or lease

My car was repossessed by Exeter Finance LLC on XX/XX/XXXX and after making contact with them several times, most recently on XX/XX/XXXX by phone, they have refused to give me my possessions that were inside of the vehicle without me paying off a portion or all of the debt first. I also informed them that I never received a notice of redemption or any other legally required notices about the repossession, intent to sell my vehicle, or instructions on how to get my belongings and over a week after informing them of this over the phone ( on XX/XX/XXXX ), over 3 weeks after my car was repossessed and my belongings were stolen, I have still received none of the previously mentioned notices or any physical mail from the company at all.
Product: Credit reporting or other personal consumer reports

I accordance with Fair Credit Reporting Act. This 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Has violated my rights. 15 U.S.C 1681 Section 602 A. States I have a right to privacy. 15 U.S.C 1681 Section 604 section 2 : It also states a consumer reporting agency can not furnish an account without my written permission.
Product: Mortgage

Fay Servicing , LLC, XXXX XXXX, Case Manager ( XXXX ) along his Supervisor, XXXX XXXX ( XXXX ) and their attorney, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Pre-Sale Manager, on XX/XX/XXXX @ XXXX EST ( 5mins 57 seconds ), refused to cancel the foreclosure date pursuant to : FOR HOMEOWNERS FACING FORECLOSURE The initiation of new foreclosures is prohibited until XX/XX/XXXX, pursuant to regulatory guidance issued by the Maryland Commissioner of Financial Regulation under the authority of Governor Hogans executive order XXXX ( which amended and restated previous orders issued on XX/XX/XXXX and XX/XX/XXXX XXXX. The order directs the Commissioner to temporarily suspend the Notice of Intent to Foreclose electronic system. This means that homeowners should not receive a document called a Notice of Intent to Foreclose from their mortgage lender or servicer between XX/XX/XXXX and XX/XX/XXXX. If you received a Notice of Intent to Foreclose during this time period, please notify us by email at XXXX or by phone at XXXX XXXX XXXX XXXX.
Product: Checking or savings account

This is in regard to the Wells Fargo XXXX fake accounts scandal. We ( Trust account ) had fraudulent accounts opened between XXXX and XXXX. My advanced aged father, in his XXXX 's, was greeted by name and assisted by a banker each time we went to the bank. We thought we were getting good service. However, managing the accounts became difficult due to the account numbers being changed and in so doing, ATM cards were issued and received by US mail. I spoke with a banker about this and had the account noted that no changes to the account and no ATM cards shall be issued without contacting me directly. The bank and I both have that documented agreement. My father never used ATM cards. They knew that. We did not require multiple checking and savings accounts. I have the fraudulent account numbers. 
I believe my father was targeted for this crime. All transactions at the bank require ID and all of the bank held documents establishing the accounts had his date of birth. 
Wells Fargo has communicated with me by form letters and I have communicated to Wells Fargo that I want the maximum penalty for the criminal offence of Elder Abuse. 
I don't believe Wells Fargo desires to pay the restitution. I want to be done with this nightmare. 
For reference : XXXX  XXXX XXXX case XXXX Thanks for your assistance.
Product: Debt collection

XXXX made a settlement deal with me to pay XXXX XXXX an early termination fee for {$280.00} that would settle a {$400.00} bill. It was paid in two payments of {$140.00} on XX/XX/XXXX and XX/XX/XXXX. After making the payment on XX/XX/XXXX I called back to just go ahead and pay it in full same day. The man on the phone said the payment for XX/XX/XXXX could not be changed because it was already in the system. After receiving the settlement amount they post I had an unpaid balance of {$120.00}. They have refused to correct this matter. Their reporting caused this false information caused my credit score to plunge 45 points. I want them to delete the false reporting from my records.
Product: Credit card

I opened a business credit card with PNC with number XXXX in XX/XX/year>. I was offered this card in a branch with a promotion offer of {$300.00} after spending {$4000.00}. I met all requirements as can be seen in my statements ( attached ), but never received anything. 

I called several times to PNC and I was told to wait for this promotion to be credited to my account. However, after 3 months, I did not received anything. I called again customer service and they opened an internal investigation for it. After several weeks, an agent phoned me and stated that charges made by certain merchants are not considered as regular spending and consequently, I had not met the requirements. I stated that these charges were related to insurance and are perfectly regular and normal. The investigation stopped there and I was never given this promotion.