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

I send company records showing the incorrect information when they said both accounts was verified and accurate which wasnt I send copys thru cfpb showing this they deleted one of the two accounts they removed XXXX for {$1400.00} but they left the XXXX XXXX XXXX which was the same account needs to be removed ASAP ARE BE HELD LIABLE FOR DAMAGES {$1000.00} per violation EXPERIAN HAS BEEN DOING THIS FOR YEARS.ALSO LOOKED AT MY CONSUMER REPORT AS OF XXXX XXXX and company stated I missed a payment which I didnt score dropped by XXXX points which I didnt miss a payment company is violating my rights for false information and deformation of my creator.Your last warning
Product: Debt collection

I received messages from staff members that a XXXX XXXX from NCB Management called my job asking for me and about my employment. Hes also called me numerous times a day from several different phone numbers
Product: Debt collection

I have been contacted my comenity XXXX XXXX for my credit card being due over 10-15 Times this week since Monday. I told them to quit calling, and they still proceed to call and change phone number, they call me from 2-3 different numbers a day ... ..
Product: Mortgage

daily harassment from XXXX XXXX on monthly payments that are not even due yet - literally 10 calls a day asking about my payment when I have a grace period of the XXXX of every month. 

due date is the XXXX of the month - 15 day grace period puts the payment off until the XXXX of every month. Yet they call me 10 times a day and I have to explain this to the reps even though they have the information right in front of their screen and they confirm it every time - " ... yes sir, correct sir, you have until the XXXX to make the payment sir. '' I have lost my patience -- -- - this is 100 % HARRASSMENT!!! 

don't do business with HSBC ... ... its their policy to harass you ... ..even when you are making timely payments ... ... .ridiculous!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, Tx. XXXX Experian XXXXXXXX XXXX XXXX XXXXXXXX, TX. XXXX US Dept of Education/XXXX US Dept of EducationXXXX US Dept of Education/XXXX XXXX XXXX To Whom It May Concern , You received my request for the method of verification on XX/XX/2022. 
However, you failed to provide a method used to verify the information of the dispute and the source and the name of the person you contacted. Provide me with the method used to verify this negative item or delete the information. You are reporting false information on my report and you are in violation of the Fair Credit Reporting Act and the items under dispute must be deleted in 30 days or I will be filing a complaint with the Consumer Financial Protection Bureau and take legal action. 


Respectfully Yours, XXXX XXXX
Product: Debt collection

TO WHOM IT MAY CONCERN : 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 make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the XXXX XXXX XXXX and I also have enclosed copies of the XXXX XXXX XXXX XXXX XXXX XXXX. Please delete the items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Experian are reporting incorrectly that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind it would be impossible to be late on an account of a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Money transfer, virtual currency, or money service

Woke up XXXX morning to my cash apps were all closed. They told me I violated their standards I was asleep how can I violated it. My accounts were compromised obviously. They won't tell me what happened and they won't give me my account back
Product: Credit reporting, credit repair services, or other personal consumer reports

I've requested assistance with all three bureaus XXXX, Equifax, and XXXX XXXX XXXX XXXX XXXX ( CRA ) and their subsidiaries as well as XXXX. I reached out numerous times in XXXX and 3 times this year, each time my credit score continues to decrease. I sent letters and called, which is a daunting task to say the least. My credit score went from XXXX to XXXX in XXXX and continues to fluctuate substantially. The CRA continues to report late payments when student loans are deferred or in forbearance. The voluntary dismissed bankruptcy is in error as well. I never had a Self account, a few other accounts are also invalid. I have requested to dispute old and erroneous addresses and personal information. I don't use alias names and these items are also incorrect. 
Please advise
Product: Credit reporting or other personal consumer reports

Information on my credit report is not correct. I have not been late my account was paid. I did not have repossession at all. Please have this account remove completely. There are not reporting correctly on my credit report. By law i have the right to have compliant to remove it completely from my credit report. XXXX, XXXX and XXXX. each one is reporting different information.
Product: Mortgage

I WAS ON XXXX IN THE XXXX XXXX AND XXXX, NOW PNC BANK FOR CLOSED ON A HOME THAT I OWNED. I HAD GOTTEN BEHIND DUE TO MARRIAGE SEPERATION AND WHEN THE VA SUBMITTED A LOAN MODIFICATION THE BANK DISAPPROVED. I ALSO FILED A CHAPTER XXXX AND THE COURT ISSUED A REPAYMENT PLAN WHICH WAS REFUSED BY THE BANK. I BOUGHT THE HOUSE FOR XXXX IN 2002. WHEN THE HOUSE WAS SENT TO FORCLOSURE IT WAS WORTH MORE THAN XXXX. THE LAWYERS HANDLING THE PROCESS FOR THE BANK RECEIVED MOST OF THE PROFITS BUT AS FOR A XXXX MEMBER, I WAS AWAY IN TRAINING WHEN THIS WAS HAPPENING. XXXX TOTALLY BROKE THE LAW WHEN IT COMES TO THE SOLDIERS AND SAILORS RELIEF ACT. i JUST FOUND OUT THAT I HAD A RECOURSE BUT WAS TOLD BY THE BANK AND ATTORNEY THAT I DID N'T. BOTH WERE NOT TELLING THE TRUTH. ONCE THE HOUSE WAS PUT INTO FORCLOSURE AND MY LAWYER DID NOTHING TO STOP IT. ONCE I REALIZED I HAD NOTHING OR NO ONE TO HELP ME I ASKED FOR THE CHAPTER XXXX TO BE DISMISSED. THE LAWYER WENT BEFORE THE JUDGED AND PERJURED HERSELF BY SAYING I WAS N'T IN COMPLIANCE WITH THE CHAPTER XXXX AND HAD IT DISMISSED THAT WAY. SHE TOLD ME I DID N'T NEED TO BE THERE. I FOUND OUT LATER AFTER I WENT TO COURT TO GET THE DOCUMENTATION TO VERIFY IT WAS CLOSED!!
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Checking or savings account

Called chime numerous times about my {$2.00} funds that were in my checking account and I can't even log into my account it's saying account closed got into a heated argument then got hung up on Friday XX/XX/2022. My previous calls were XX/XX/XXXX and XXXX 2022 just to be told someone will be reaching out to me.
Product: Credit reporting

On XXXX/XXXX/2015 I responded via fax and through XXXX XXXX to Chex Systems regarding additional information that they needed to me to support my claim of clearing address 's that does not have any associations with me. On that day I sent a notarize personal statement about the address that did n't belong to me and I also sent them a Police Report as they have requested for me to do. I have attached a copy of the XXXX XXXX delivery confirmation, police report and notarized statement. With reading their rebuttal to me now stating the police report that I have sent them does not specify dates or date range to remove the information. And now I need to get an additional police report that specifies in further detail about ID Fraud. I will do so. But, I did send a notarized statement to you on XXXX/XXXX/15 and I had attached it to the cfpb dispute # XXXX, and I also sent the original to you via XXXX XXXX which you received on XXXX/XXXX/15, and I also faxed all the statements to you on XXXX/XXXX/15 as well. Also, on the police report it did state the XXXX banks XXXX Bank and XXXX Bank but you only mentioned that you deleted XXXX. Your consumer report dated XXXX/XXXX/15 is attached as proof. Now XXXX XXXX XXXX XXXX XXXX, CA XXXX is my parents address. My parent has owned that property for more than XXXX years. I stayed there up until I was XXXX years old. I do n't know what more to say regarding that but I have n't lived there since that time. Please divulge the name of the Bank and or credit union that has reported my name using that address recently so that I can speak to them directly to clear that information out. As stated before I will get a detailed police report first thing in the morning and re-submit it to you so that all the other disputed items can be removed. 

Thank you Also please look at the notarized statement that I sent you via this portal, fedex and fax
Product: Credit reporting, credit repair services, or other personal consumer reports

quit contacting me on the ftc violations please remove the contact information
Product: Debt collection

XX/XX/XXXX - I wrote XXXX  and asked them to validate the debt of {$620.00}. 
I disputed the debt through all three credit bureaus and requested that all details of the debt be verified as accurate, XXXX verified the details of the debt as accurate. 

On or about XX/XX/XXXX, I made a {$300.00} payment to XXXX  to pay down the debt. I requested a settlement amount and they stated I agreed to a schedule, which I never did. 

I reviewed my credit reports and the account is reporting inaccurately. XXXX is stating the original amount is {$320.00} and there is no record of any payments being made. 

XXXX has a responsibility to report the account accurately, per the correspondence they sent me, therefore, I am requesting the account to be deleted per 15 U.S.C. 1681i.
Product: Debt collection

THE COMPANY, ENHANCED RECOVERY COMPANY LLC PURCHASED A DEBT FROM ANOTHER COMPANY AND I HAD NO INVOLVEMENT WITH THE TRANSACTION. ACCORDING TO 15 USC 3002 I AM A NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS IS NOT ME. MY NAME IS XXXX XXXX. 15 USC 1692 ( A ) ( 1 ) The term " Bureau '' means the Bureau of consumer Financial Protection. XXXX, XXXX, XXXX and XXXX are assumed to be credit bureaus and there is only one Bureau and that is the Consumer Financial protection Bureau. On XX/XX/XXXX XXXX congress enacted HJR-192 to suspend the gold standard and to abrogate the gold clause. This resolution declared that " whereas '' the holding or dealing in gold affect the public interest, and are therefore subject to proper regulation and restriction ; and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency are inconsistent with the declared policy of congress in the payment of debts. This resolution declared that any obligation requiring " payment in gold or a particular kind of coin or currency, or in an amount in money policy ; and every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar in any coin or currency which at the time of payment is legal tender for public and private debts. 15 USC 1681 ( 3 ) ( e ). The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such information.
Product: Vehicle loan or lease

To answer your question, I was denied an extension of credit once I submitted the consumer credit application to obtain a vehicle. 
As you may know it is against federal law in accordance with Equal Credit opportunity Act to proclaim an adverse action against a consumer. Pursuant to the 15 usc 1691 ( c ) and you assume civil liability pursuant to 15 usc 1691 ( k ) XXXX XXXX has violated my federally protected rights.

If you had such permission and or permissible purpose who gave it to you? 
Your corporation is in violation of 18 usc 1028 ( 7 ) 15 usc 1691 ( c ) 15 usc 1691 ( k ) 15 usc 1681 ( m ) 12 cfr 1002 Since the letter you sent me dated ( XX/XX/2022 ) is both a proof and evidence that I have been discriminated against, you are also criminally liable. ( XXXX XXXXXXXX ) should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. 
Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations. 
BEST, XXXX : XXXX Without prejudice, all natural inalienable rights reserved.
Product: Mortgage

This is the third attempt to resolve the same and persistent issue I am having with Dovenmuehle regards a missing check for {$5500.00} they disbursed on XX/XX/XXXX. 

I am appealing to the CFPB to conduct an investigation into this. 
On XX/XX/XXXX I submitted to the CFPB a complaint to regards a missing check disbursed by Dovenmuehle. The compliant number was XXXX and I have attached a copy of that complaint ( Doc 1 ). The company responded on XX/XX/XXXX and the response is also attached to this complaint ( Doc 2 ). 

However missing from Dovenmuehles response were the important attachments cited in the letter and thus I deemed the response incomplete. These were also never received by mail either. I needed to see the copy of the check ( front and back ) to determine who and where it was deposited as I have never received nor cashed a check from Dovenmuehle and believe the burden of proof is on their side. 

On XX/XX/XXXX I submitted another complaint ( XXXX ) stating that this important document they supposedly attached, was, in fact missing. At this time I once again reiterated my request. On XX/XX/XXXX the company responded with a letter stating I would be mailed out both regular and certified mail ( Doc 3 ). 

As of XX/XX/XXXX I have still not received the information I have requested and feel as though this is a deliberate attempt to avoid providing the information. 
In addition to this lack of direct response Dovenmuehle consistently direct me to the new mortgage servicer ( XXXX XXXX XXXX ) for information. I have contacted XXXX XXXX XXXX and they themselves have not received any such escrow analysis from Dovenmuehle and their requests for this documentation have also been ignored. XXXX XXXX XXXX have suggested I file my case with the courts and that they would be willing to support my claims that Dovenmuehle have on multiple occasions failed to supply documentation on the handling of my mortgage while in their hands. 

I am requesting for a third time that Dovenmuehle provide to me a copy of the front and back of this check to confirm a ) if this check was indeed cashed, b ) who this was cashed by, and c ) the banking institution that cashed this check. 

Given uploading here and regular mail have failed I suggest that Dovenmuehle simply email all the documentation to me at XXXX XXXX XXXX to ensure that this is done in a timely manner. I would also like someone at Dovenmuehle to reach out to me directly by phone to help resolve this issue on XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I PULLED MY CREDIT REPORT AND NOTICED SEVERAL FRAUDULENT ACCOUNTS REPORTING ON MY EXPERIAN REPORT. PLEASE CHECK FTC REPORT. THESE ACCOUNTS DO NOT BELONG ON MY CREDIT. 
CFPB Write up In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act Convergent, the accounts listed on my attachments has violated my rights.

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit card or prepaid card

Someone applied for an unlimited cash rewards Visa card from Bank of America in my name. I have tried calling the bank to report. I don't know what to do next.
Product: Mortgage

Freedom Mortgage XXXX # XXXX took over loans from XXXX starting in XX/XX/XXXX. During the process Freedom Mortgage failed to properly notify customers of the change. They did not comply with contact preferences that were previously established with the last vendor despite Freedom Mortgage claiming they would on their website. When they did contact me I was called by phone and addressed by a different name ( XXXX XXXX and told to pay. I then received an email with a second, different name ( XXXX XXXX and loan number on XX/XX/XXXX. I received the correction email on XX/XX/XXXX. A letter was mailed to me with a date of XX/XX/XXXX saying I have failed to pay but not addressing the loan discrepancy issue. I have zero faith my PII has not been compromised by this failure to properly communicate sensitive financial data. I believe customers deserve reassurances or explanations before we provide additional financial information to Freedom Mortgage.
Product: Money transfer, virtual currency, or money service

Coinbase has placed a hold on my account, without any noteworthy activity on the account. CFPB previously assisted in an account issue a couple years ago for the same account, and now we're back at it. 

If my account is not restored within the specified timeframe, and access to my funds remains blocked, I will pursue legal action. Case ID # XXXX.
Product: Student loan

I have applied for forgiveness program and was approved. Nothing has been updated since the approval few years back. The company keeps selling to other companies who keeps reaching out even after letter of approval been given prior. What is the point of applying to XXXX forgiveness program just to keep having the same issue on your credit? I am also having issues with XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate accounts on my credit report. 

XXXX : XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX : XXXX XXXX  Date of inquiry : XX/XX/2024 XXXX XXXX  Date of inquiry : XX/XX/2024 XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX TransUnion : XXXX Account Number : XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX
Product: Debt collection

Please see my Dispute Attach Letter with exhibits as proper proof this debt collector is trying to collect an amount that I don't know where is coming from, Please see the CFPB Complaint # XXXX as reference. It looks XXXX XXXX is engaging in the business selling consumer Accounts to debt collectors. 
I would like to include XXXX XXXX I'm requesting the CFPB regulator to enforce monetary compensation for this ongoing Trend against XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am filing a complaint for incorrect late payments reported on my credit report during the COVID-19 national emergency period. These late payments were posted for the account XXXX  XXXX - XXXX on the dates XX/XX/year>. Under the protections provided by the CARES Act ( Coronavirus Aid, Relief, and Economic Security Act ), my account should not have been reported as delinquent.

The CARES Act was enacted to protect consumers facing financial hardship due to the pandemic by allowing forbearance and preventing negative credit reporting during this period. Despite this, the creditor XXXX XXXX reported my account as delinquent, which unfairly affected my credit score and contradicted the protections provided by the CARES Act. 
I previously contacted XXXX  XXXX and requested that my account status be corrected to reflect a status of PAID/ACCEPTED or OK for the specified dates, as required by the CARES Act. However, I have not received a satisfactory resolution and my report remains inaccurate. This situation is now negatively impacting my credit score and ability to access financial services.

I am requesting that the CFPB investigate this matter to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are respected and that my credit report is accurately updated.
Product: Money transfer, virtual currency, or money service

I am writing to formally raise my concerns about Zelles dispute resolution process, especially in light of the recent CFPB lawsuit that underscores critical issues with the platform. Despite being a frequent user of Zelle and reporting transaction discrepancies, my financial institution and Zelle did not conduct a thorough investigation of my claims. I was told that recovering lost funds was impossible and that tracking the disputed transactions could not be done. The CFPBs findings suggest that Zelle has failed to adequately protect consumers and has allowed repeat offenders to exploit the platform, leaving users exposed to fraud.
Product: Checking or savings account

On XX/XX/XXXX, i deposited a check of XXXX dolars on my personal account on Bank United. They told me that it will be available 72 hours after. One week after, the amount wasnt there and tbey were telling me that tbe branch was the one who had my money on hold. Ive been costumer for a year and my acc moves more than XXXX XXXX on a month... so i need help