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

I notified Experian that I dont reside at XXXX XXXX XXXX XXXX XXXX Or XXXX and the person my ex that resides there has used my information for things before fraudulently that resulted in our demise. They informed me that this cant be removed because there were accounts reporting it. So i looked into these accounts and they are no longer reporting but Experian has since sent my report to that address now devulging to her where I live and accounts that I have and I have even noticed new inquiries since that I didnt do and believe it was her since she knows I have somewhat decent credit now but has my information from our previous relationship. I did not want her know where i lived which she now knows and other information I didnt want her to have! I changed my address on my Experian file and locked it but they still sent the report to the XXXX XXXX XXXX XXXX XXXX her more ammo of all my information. So now I have alerts and locks on everything watching daily. But is there anyway you can assist in having Experian remove this address from my file causing any more damage to my file, giving information to someone XXXX dont want to have it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called your department after I purchased a credit report with XXXX on XX/XX/2023. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that there was CHARGE OFF account on my credit report. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud account on my credit report all this time just today I have a charge off that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX ). I have never with these accounts listed below, so please help me remove these charge off and collections, including this incorrect information from my personal profile. XXXX XXXX XXXXXXXX XXXX
Product: Debt collection

HSBC bank sent me to a collection agency 7 plus years ago. I was contacted by the collection agency and payment arrangements were made. They took out of my checking account the amount agreed upon for 3 years. After the 3 years was up another collection agency had taken over the first collection agency. I was told that my account was settled and paid in full. It was taken out every month from checking account. About 9 months later in XXXX I filed bankruptcy on my other credit cards. My attorney even said that my HSBC was paid for. So, today XXXX XXXX, XXXX 4 years after I had HSBC paid off I get a call saying that I have not paid HSBC off. I tried to explain to the woman on the phone that it was paid and she said that they were taking actions against me to get it paid because their office says it was never paid. I also told her I have had a bankruptcy since I paid it off and it was not owed at that time either. It was taken out of checking account. She wanted proof. That account was paid off over 4 years ago going through papers from that long ago is not feasible at this time for me. She got mad and hung up at me. I waited a few minutes to call back and they hung up on me again. This account was paid in full. It's not my fault they can't do the proper paper work on their end
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Im writing because Im really frustrated with how Experian handled my recent credit dispute. Ive recently learned about the CFPB lawsuit against Experian ( or XXXX ), and I think my situation is connected to the problems theyre being sued for. 
I disputed an account on my credit report, but you didnt seem to investigate it properly. The account Im disputing is with account number. The issue is that the information about this account is wrong.

On top of that, your response didnt explain much. I didnt get any proof or details about how you verified the account. And this is hurting my ability to get a home for my family!

Heres what Im asking for : 1. Do a proper investigation as REQUIRED by law.

2. Remove the incorrect account or information from my credit report if the company cant verify it.

3. Send me clear results showing exactly what you did to verify this account and share any proof you used.

4. Dont let this account come back on my report unless you can prove its accurate and give me written notice first.

Im asking you to resolve this within 15 days, as required by the Fair Credit Reporting Act. If this isnt fixed, Ill have no choice but to file a complaint with the CFPB and take further action to protect my rights. 
Thank you for handling this quickly. I look forward to hearing from you soon. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

These inquires were unauthorized and I am a victim of identity theft. ONEMAIN XXXX XXXX XXXX ONEMAIN XXXX XXXX ONEMAIN XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Please remove these from my credit report
Product: Money transfer, virtual currency, or money service

I am filing a formal complaint against Cash App ( Block , Inc. ) regarding inadequate customer service, failure to safeguard my account against fraudulent activities, and non-compliance with legal protections afforded under the Consumer Financial Protection Act ( CFPA ), the Electronic Fund Transfer Act ( EFTA ), and Regulation E.

Specifically, Cash App failed to take timely and effective measures to prevent and mitigate fraudulent activity on their platform, leaving my account exposed and unprotected. Additionally, the dispute resolution process employed by Cash App was both unfair and deceptive, falling short of the error resolution requirements mandated under EFTA and Regulation E. 

These failures have resulted in significant financial losses and inconvenience to me as a consumer. The lack of proactive fraud prevention, coupled with an ineffective and legally non-compliant resolution process, represents a clear violation of consumer protection laws. 

I respectfully request that Cash App provide appropriate redress for these violations, including compensation for my financial losses and steps to ensure compliance with applicable laws moving forward.
Product: Mortgage

I signed up for a load and this loan was transferred to Freedom Mortgage in XXXX 2015. 

Freedom MortgageXXXX.XXXX XXXX, IN XXXX have made over the course of the loan 12 additional principal-only payments of which only 2 had been applied correctly at the first time. All other payments were distributed as additional regular payments, splitting them intoRegular principalInterestEscrow for TaxEscrow for Insuranceonly the remaining amount was added as additional principal payment. After I noticed this the first time I was calling Freedom Mortgage to get this fixed and ask to ensure that this will not happen again. Now, 11 payments later, the issue became even worst as they now splitted the payment into 2 times a regular payment, and only applied the remainder as additional principal. 
Every single time I had to call and had to have the payments being adjusted. 
My complaint is regarding the practice used. It seems to me that they are collecting on the overpaid escrow amounts interest until the customer realizes the wrong distribution. Given my loan being not that large, extrapolated across XXXX ( if not XXXX ) customers, the money embezzled from either the customer or the banks ( how ever one looks at it ) amounts to a considerable amount. 
Based on my experience with Freedom Mortgage it seems to be done on purpose to extract as much money from each customer as possible. 
I for my part are not willing to provide loans to my mortgage company.
Product: Credit card or prepaid card

On XX/XX/23 I reported my card lost/stolen also made a police report and funds was stolen from my account so I contacted cashapp about my charges followed their instructions and I never received a copy of their investigation only a denial email after minutes reporting it with my police report number. So cashapp deactivated my account so making disputes. Not only that I never received my money back that was stolen no report from there so call investigation not they only want me to continue to send and receive money from account to account.. I want my money back that got stolen which they was supposed to protect once they seen 5 bitcoin 5 airlines 5-6 stores transactions back to back with odd amounts up to XXXX in my account at XXXX at night while I was one the phone reporting my account stolen..
Product: Credit reporting, credit repair services, or other personal consumer reports

Again Im having problems with my identity since XX/XX/XXXX. Your company has been awesome. I actually feel heard and you respond or get the company to respond. Thank you. I tried to get my XXXX after I found an error with XXXX. Id be overjoyed if they actually agreed I am ME but for years of identity theft caused by my ex husband my name is Mudd So since I couldnt get my report online they said I could get it by mail so I sent for it on XX/XX/XXXX from XXXX XXXX have not gotten a response have not gotten my credit report. According to what I read in the FTC they had 15 days from receipt to mail to me. It is now XX/XX/XXXX and NOTHING. Cant get it online or mail. I really am trying to undo all the damage my ex has done and these companies make it so hard I almost want to give up. 
I wanted my credit report from all three companies and Requested that Online through XXXX XXXX XXXX XXXX but all three rejected me. Its a lot of work being me. Thank you. XXXX
Product: Mortgage

XX/XX/XXXX I lost my job, I asked Seterus for a forbearance ( 4 ) times in writing. They would never response .I would call Seterus and the rep would tell me ( they needed to know when was I going to pay my debt ) no could give me information on the packages I was submitting to Seterus fro help. I called Seterus in XX/XX/XXXX, to inform them that, I found a job and would start XX/XX/XXXX.I rep. that I was speaking with indicated the reason I was turned down, because Seterus had my property listed as land. At, this point I still need help, my earning is {$XXXX} hr x 40 hours a week. I can not afford the offer. The forbearance was denied, at it clearly indicates my condition. I have been offered a XXXX Loan Modification which is {$100.00} less than the original mortgage, which I cant afford.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information 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 not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

CHASE Bank closed my Credit Card account, and the reason they did was due to non-payment. My bank said CHASE bank never attempted to withdraw a payment from my account. I asked CHASE bank to provide me a letter of the checking account they tried to withdraw from, and they keep giving me a run around. I need this to provide to my bank, and also it hurt my credit report, and I am in the process of purchasing a home. 

They will not have a Manager call me. They don't have supervisors to speak with. They let you speak to people that don't have any knowledge how to repair the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

Request For Debt Validation Pursuant to 15 USC 1692g Be Advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act ( FCRA ) [ 15USC 1692g ] stating your claim is disputed and validation is requested. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 

At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, Equifax, or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against and your client for the following : violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and Defamation of Character ( per se ). 

If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 calendar days to investigate this information, during which time all collection activity shall CEASE and DESIST. 

Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of information to a credit reporting repository that could be inaccurate or invalidated. 

If your office fails to respond to this validation request within 30 calendar days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit card reported a late. I am not sure if this is an accident or system glitch. 

It was reported by American Express, XXXX and XXXX  the Dept Store.
Product: Credit reporting or other personal consumer reports

Well you know they can't deny me credit for being a consumer is not it's not a credit transaction never do it was a consumers credit transaction but the thing is you're you're breaking the the codes that you were supposed to go by which is the the whole consumer unlimited credit thing for the for the karma thing so you can pay pay later but you know you still have to pay for installment payments and and so in a denied me my unlimited a portion of my unlimited credit so with that being said is you know you're supposed to follow through the codes of of the and that's why I have requested to speak to the underwriter and they told me to contact you and I just wanted to bring the codes up to y'all which is cold title XXXX subtitle XXXX XXXX faults and misleading in the XXXX of my own credit and so with that being said and then I just want to a list of all the factors that were involved in this consumer transaction not a credit transaction a consumers because all I wanted was access to a portion of my unlimited credit and and you're not in how you going to tell me that {$500.00} is my credit no unlimited credit is unlimited credit so my credit score doesn't got nothing to do with that so with that being said I need to be able to access this now I need the list of all the factors
Product: Bank account or service

I received a promotional email informing me I would receive bonus points if I used automatic debit/credits and online bill pay. The points owed for the bill pay were never applied. A visit to a branch was unable to resolve this and I had to get on the phone. The representative informed me I was ineligible on a technicality that was not outlined anywhere in the promotion. I submitted the email promotion and email with support on the topic both of which substantiate what steps I needed to take to be eligible. After 11 days I emailed back to request a status update. The next day I called again and was told it would be another XXXX3 business days before I receive a response. The points were due over a months ago.
Product: Credit card or prepaid card

On XX/XX/XXXX, I received an email offer from Regions Consumer Bankcard offering two balance transfer options. ( XXXX of original email attached. ) Offer one ( Region 's promo code XXXX ) was 0 % Annual Percentage Rate ( APR ) through your billing cycle that ends in XX/XX/XXXX. Offer two ( Region 's promo code XXXX ) was 1.99 % Annual Percentage Rate ( APR ) through your billing cycle that ends in XX/XX/XXXX. Transfers needed to be completed by XX/XX/XXXX, so I made three transfers in XX/XX/XXXX XXXX for {$560.00} to promo code XXXX, a second transfer for {$1000.00} to promo code XXXX and a third transfer for {$1800.00} to promo code XXXX. I also made an additional Transfer in XX/XX/XXXX for {$3400.00} to promo code XXXX. 
My concern was with the transfers to the 0 % APR promo code XXXX that ran through my billing cycle that ends in XX/XX/XXXX. I called numerous times to clarify how I could pay the balance off on offer one before it ended in XX/XX/XXXX without paying any interest and was told it was not possible because of the way they applied payments to the balances. On a call-in early XX/XX/XXXX, I was told to wait until the Promo rate ended in XX/XX/XXXX and pay it off in XX/XX/XXXX because then it would be my higher rate balance and my payment over the minimum due would be applied to that balance & I could call & get the few days of interest forgiven. So, I made two payments, the minimum, and an amount more than the balance in question. I get my XX/XX/XXXX statement and XXXX charged interest at 20.99 % APR on the balance I thought I had paid in full in XXXX. So, I called today XX/XX/XXXX, and their claim now is that promo I accepted ended in XX/XX/XXXX not XX/XX/XXXX as stated in email I received, and my payments posted in XX/XX/XXXX before the rate changed so they were applied to the balance with the higher interest rate not the balance I intended to payoff. They never wanted to see a copy of the offer I received and called me a Lier by inference.
Product: Credit card or prepaid card

Charging late fees when paid on time!!! Unable to pay my bill without being charged XXXX processing fee
Product: Mortgage

On XX/XX/2019 I mistakenly paid my mortgage to Freedom Mortgage who no longer holds the note. On XXXX XXXX I became aware of the mistake and contacted Freedom to ask them to reverse the payment which had been made through XXXX XXXX XXXX Bill Pay. Today is XXXX XXXX and the reversal has not yet happened. 
In this time period I have been in contact with seven people in the Freedom organization, three of whom have told me that the reversal will happen within 24 to 48 hours. On XXXX XXXX XXXX XXXX XXXX FAX'ed  Freedom with the proof that the payment had been made and that it had been cleared through the Freedom system. I am frustrated in that I have no leverage in this situation and fear that I may not be able to meet my XX/XX/2019 commitment to my current mortgage holder. Please note that the payment made in error has not been forwarded to my current lender.
Product: Credit card or prepaid card

XXXX XXXX XXXX did not communicate with all three credit bureaus within 30 days of receiving any of the two letters sent to you that the item in question was in dispute as per the Fair Credit Reporting Act. As proven by my most recent credit report from all three credit bureaus. 
I have disputed a debt and you have failed to report it as disputed with the credit bureaus. 
Protection under the Fair Credit Reporting Act. ( FCRA 623 ) If a consumer notifies a furnisher, at an address specified for the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. Section 623 ( a ) ( 1 ) ( B ).
If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. This identified by an informational line about the dispute added in the comment section of the item on the credit report. Section 623 ( a ) ( 3 ).
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under Fair Credit Reporting ACT FRCA to conduct reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau CFPB has recently filed a lawsuit against Experian, alleging systematic issues such as falling to forward consumer provided evidence to furnishers, accepting unreliable responses, and falling to adequately notify consumers of dispute outcomes. This failures align with my experience,, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputes accounts, as Experians inaction violates federal law and my rights as consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXXXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.