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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require XXXX and TransUnion to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX  Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXXXXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX ; XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I just checked my credit report, and Im so frustrated with Experian! Theres a late payment showing up on XX/XX/year> & XX/XX/year> XXXX XXXX XXXX Account # XXXX I demand you update all late payments to on time and never late. Please update XX/XX/year> & XX/XX/year> thats totally inaccurate. I already sent a letter to fix it, but nothing has been updated! 
On top of that, I also requested proof of how they even verified this late payment, and they completely ignored methats a violation of my federal rights! This whole situation has been so stressful. Can you please help me get this fixed ASAP? i have supporting docs to prove this!
Product: Money transfer, virtual currency, or money service

I have put XXXX $ in the savings account marcus by goldmann sach the XXXX of XXXX. I try to take back than money to my XXXX XXXX XXXX account 1 month later. But it was impossible to take it back. My account as been locked so i call back, they even made a telephone transfer of XXXX $ more to marcus without my permission. But i had the time to stop it with XXXX XXXX XXXX 
I tried to made 3 transfer bank of the money to XXXX XXXX XXXX but every transfer as been canceled buy the company. Some excuse was " its not going to the same account ''. I try my best to have this money back and today they said they closing my account and I will receive a check in 7-10business days. I dont know if they really gon na send me back my money and I dont understand why i can not receive it by bank transfer.
Product: Mortgage

1. XX/XX/2018, I chose not to renew my Hazard insurance carrier to be effective XX/XX/XXXX, on the date of the policy expiration, 2. I purchased a new carrier on XX/XX/2018, which notified the Mortgage company Quicken Loans on XX/XX/XXXX, so that there would be no lapse in coverage. 
3. On XX/XX/XXXX, the old carrier notified Quicken that my insurance had expired and that I was no longer covered 4. XX/XX/XXXX, I received a letter from Quicken datre, XX/XX/XXXX, stating that there was no coverage on the property and they would set up lender-forced insurance coverage ( single interest ) insurance. 
5. After several calls to my agent and my new Carrier, it was proven that Quicken was notified by the New Carrier on XX/XX/XXXX that coverage was in place and that Quicken was appropriately listed on the policy as the lender, 6. XX/XX/XXXX, I asked Quicken to remove the letter from my file. They refused. I sent an email making the same request, and again they refused to remove the negative letter to induce lender-forced insurance ( single interest insurance ) 7. I sent an email to Quicken and asked them to place all my email request along with the " negative letter ' ) document to show that indeed there was insurance and that they acted hastily and without review before sending the notice to induce single-interest insurance on my account. 
8. Quicken has agreed that it will send a " notice of correction '' to indicate that there is " Proof of Coverage '' as a follow-up to the Lender-forced Hazard Insurance letter, but will not remove either letters from my file. 

Resoultion : Because I consider the notice for Lender-forced Hazard insurance partially meets the requirements as " Letter of Error '' ( not as a violation of foreclosure act, but it was a early and unneeded initiation of a letter that should not be in my files, regardless of its limited impact ( such as future forced escrow accounts, or denial of coverage for failure to pay insurance, etc ) and should be removed from my files in its entirety, even though no purchased of the Lender-forced insurance policy was initiated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a credit reporting dispute to Experian, XXXX, and XXXX Credit Bureaus on XXXX XX/XX/2022, requesting that three accounts listed on my credit report as XXXX XXXXXXXX, XXXX, and XXXX XXXX be verified by requesting the companies provide a copy of the original signed contract between the debtor and myself, as well as pay disclosures, interest rate disclosures, balance histories, and payment histories of each of these said accounts. I requested these documents be provided via mail because I know they do NOT exist. I previously submitted a dispute asking each credit bureau to research these accounts for possible fraudulent activity and got the same response from each bureau that accounts have been verified. I believe that the bureaus are NOT thoroughly investigating my claims and requesting the proper documentation to validate debts but instead unlawfully not complying. I have attached the certified letter that was forwarded to all three major credit bureaus on XXXX XX/XX/2022 and am requesting that they request and obtain all proper documentation from debtors and accurately investigate my dispute which will determine that I have no signed contract with any of the debtors listed above.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted National Credit Systems on 3-4 occasions regarding incorrect reporting. I have a dispute through credit reporting the debt remains on my report. I did notify Rep the debt did not belong to me but my daughter and should not be on my credit. After speaking with an agent ( XXXX XXXX ) on each occasion, I was told there would be a packet sent to me regarding the dispute. I was not a co-signer. Have not recvd pocket. XXXX XXXX contacted me on XX/XX/2018 stating she had spoke with my daughter and my daughter would pay the debt. I again advised Rep the debt belonged only to my daughter and not me. I did mention to the Rep as my daughter did, I was considering filing Bankrupt and did not want the debt labelled as bankrupt showing on my daughter 's report. Rep stated again, my daughter had agreed to pay debt. The debt is in the amount of {$1800.00} placed in collections by XXXX XXXX XXXX.
Product: Checking or savings account

On XXXX XXXX at aprox XXXX i deposited {$800.00} into the atm at regions bank at XXXX XXXX XXXX XXXX XXXX XXXX XXXX La XXXX the deposit never went thru and the atm took {$400.00} & spit out the remaing {$400.00}. i called the XXXX number on the back of the card and filed a dispute as soon as it happened. they credit my account for the {$400.00} but after the investigation the bank claims the atm was in balance and decided to take the {$400.00} back. i called the bank and spoke to XXXX the branch XXXX and asked her to write a ticket for the surveillance camera from the atm to be reviewed so she can clearly see me trying to grab my money and if the canera has speakers u can hear the atm gargaling the rest of the money. also you can clearly seeanother car comes behind me like XXXX min later and do something fishy as if there was a credit card scimmer installed there. but she claimed nothing could be done.
Product: Checking or savings account

On XX/XX/19, I went into my local bank and cashed a XXXX XXXX dollar check. I received the funds from the teller and left, unfortunately, a few days later my account was negative by XXXX XXXX dollars this happened due to the teller incorrectly entering the check number when verifying it. I returned to deposit XXXX to clear the negative and then proceeded to deposit XXXX more to pay bills. fast forward to the XXXX of XXXX and wells fargo took another XXXX XXXX from my business checking account even though I had already paid the amount of the returned check. in effect, I am being charged twice for something I cleared a few days after I was notified of the returned check. i have been going back between calls to wells fargo and going into my local branch trying to get this resolve neither does anything since XX/XX/XXXX.
Product: Mortgage

JFQ Lending ( not my mortgage lender ) is sending vague documents that mimic XXXX  year tax return documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted letters to all three credit bureaus, Equifax, XXXX and XXXX asking that they update my name, address and place of employment that is reflected on my consumers report. I have submitted letters to all three credit bureaus multiple times. The first set of letters were submitted XX/XX/XXXX, the second set were submitted XX/XX/XXXX and the third set were submitted XX/XX/XXXX. The bureaus are continuing to report false inaccurate information.
Product: Credit reporting or other personal consumer reports

I submitted all required documents to Experian and even spoke to someone named XXXX at Experian on XX/XX/24 that all but assured me that she had the necessary documents that I had submitted to resolve my issue after XXXX attempts. It is still not resolved as of today when I received an email from them telling me that my dispute was closed again. My student loan balance was completely forgiven almost a year again and it is still showing that it is a active balance from XXXX on my credit file. This is not correct. Please help me.
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 ; said complaints both violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed on numerous occasions to take timely and effective steps toward preventing and minimizing fraudulent behavior on their platform. Cash App negligence left my account vulnerable and unprotected. Furthermore, their dispute resolution process was unsatisfactory and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transaction Act ( EFTA ) ; Regulation E. These actions have caused significant financial losses and inconvenience. I seek appropriate compensation and redress for these violations.
Product: Mortgage

HomePoint Financial - XXXX XXXX XXXX, XXXX, TX XXXX. Loan # XXXX I have been making monthly payments, with additional principal via web. In addition, the administrator of my investment account has been sending checks for {$10000.00}, clearly labeled " Principal Payment Only '' for several months. HomePoint continually applies that {$10000.00} to my monthly payment amount for the current month and the next month ( which then results in me being prohibited from using the online system to schedule a payment for those months ). HomePoint claims that they need a paper coupon to apply the payment to the principal, that the payments are automatically processed ( which makes NO SENSE because a computer is not reading handwritten coupons, that is for sure ) and without a coupon they can not manage the request. They refuse to supply additional coupons and cite a nonsensical policy that only one coupon per month will be issued. 

HomePoint admits that they changed their policy in XX/XX/2021 so that any additional payments are applied to the current and next months ' payments. They made this change with NO NOTICE to the borrowers. 

This is a clear attempt to prolong the duration of the loan, to collect interest on money that is sent to them for principal while ALSO allowing interest to accrue on the loan itself. They are underhanded, dishonest and are harming American consumers.
Product: Credit reporting or other personal consumer reports

15USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions to a consumer reporting agency. I need the transactions reporting as late, collection/ charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated '' let 's be clear that I am not asking you to validate or verify anything. So please don't respond by telling me that cause that would be a waste of my time. Some of the negative accounts have been placed in Collection/charge-offs, late payments/ other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns relating to the Cancelation of indebtedness by certain entities. If this derogatory account information is not deleted from my consumer reports within 30 days I will be forced to officially file IRS form 3949A : Information Referral and IRS form 211 : Application for award for original information overview with the IRS against ALL entities involved
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$4800.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX {$4800.00}
Product: Credit reporting or other personal consumer reports

I checked my email on XX/XX/ and I noticed an alert from " Experian '' letting me know that my credit report changed. I went online and checked my account and seen that an item was reinserted on my credit report both " XXXX '' and " Experian ''. I was not notified by mail and the same day I got the email alert was the same day the change occurred on my report. I did not receive any letters from anyone and I am highly distressed dud to this matter. The item was deleted months ago and was deemed fraudulent. I sent certified mails with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX to Experian asking them for the description on how they certify that the account was verified. According to 15USC 1681i 5B both bureaus have violated my rights and I will like the account removed immediately. 



( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.

( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.
Product: Credit reporting or other personal consumer reports

XXXX XXXX and XXXXXXXX XXXX have been unlawfully reporting my transaction history to unaffiliated businesses such as XXXX, Equifax, and XXXX. I have attached a picture of their Privacy policy which states they don't share information with anyone unaffiliated and I have also attached a letter sent to them describing the USC and CFR laws listed within the notice.
Product: Credit reporting or other personal consumer reports

The payments that are being reported on my credit profile violate my consumer rights under FCRAconsumer law 15 USC 166B. As a long-time customer that has had an exceptional payment history with LENDMARK, I am appalled that they will violate my consumer rights in such a manner that is detrimental to me achieving a good credit profile which affects my approval chances for other accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my 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 XX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

i started having problems after I bought a car at XXXX in XXXX XXXX XXXX, La. they took my deposit on my vehicle out 2-3 times ( i will know for sure when i get chase to show me my account ) they would do a REVERSAL on the deposit and other bills. I didnt catch on to the other bills until i got a letter saying my insurance had lapsed. I looked at my account and they were reversing bills repeatedly, XXXX would not do anything. I have had 3 personal loans taken out in my name, my credit cards ran up and my credit score dropped from a XXXX a XXXX. I was building a house and i lost it right before closing bc of my credit score. It was XXXX time. My kids were devastated and I feel like a failed mother and I dont know how to make him/her stop. Ive changed cards, banks, phones, and phone numbers A loan made with One main Financial for 8000, a loan for XXXXXXXX XXXX ( Ive never heard of them and dont know the amount. 

XXXX didnt help me when I asked them to put a freeze on account costing me approx 2500 and causing my insurance to lapse and go up 300a month. 

I have a XXXX XXXX  card where at least 1,000 isnt mine, XXXX  about 500, XXXX most of it and i cant get in the account t to make payments to stop the fees. My XXXX card Im unsure of because I cant get into it. 

Whomever this has a pic of me holding my license and ALL OF MY INFORMATION. 

PLEASE GIVE ME MY LIFE BACK I also just saw i have a ridiculous Amount of inquiries
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX Date of Birth : ( XX/XX/XXXX ), This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S. C. 1681c-2 ) that you, the EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX ' business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX or XXXX XXXX or whichever date because this account shows different dates conflicting on any truth to understand the exact date under the account number ( XXXX ), another personal credit card account opened at XXXX XXXX on XX/XX/XXXX or XXXX XXXX or whichever date because the data furnished for this fraud account has different information being publicly furnished under the account number ( XXXX ) and furthermore examined another CAR LOAN account opened at XXXX XXXX on XX/XX/XXXX or XXXX XX/XX/XXXX or whichever date as multiple dates are XXXX publicly furnished under multiple agencies under the account number ( XXXX ) These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've have not attached a list of the hand inquiries in questions a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. this has been Reported with the XXXX XXXX XXXX XXXX Police station in the United States Of America California XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

During Covid 19 Bank of America offered a Deferral program in which I took advantage of due to financially difficulty. I have to approval letters and dates the offer was valid. Our home was on the market to  be sold and we did sale in XX/XX/2020 and the program was through XX/XX/2020. The mortgage is paid in full and the amount paid was {$480000.00} with balance owed and all fees and interest due from the deferral period. We are in the process of closing on a new home and my credit rating
has dropped from XXXX to XXXX on XXXX  'XXXX  reporting system due to Bank of American reporting that I was 120 days late on my mortgage. I have tried calling the bank several times and end up transferred to different people, different divisions and being disconnected from calls.

I plan to go to a local branch tomorrow but once I pulled my report decided it may be best to also submit this information to the most accurate credit reporting agency out of the three. Thank you for your help in this matter. I'm concerned we will not be able to purchase in a timely manner and the closing will not happen for our family.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked credit reporting companies to remove Late Payment issues with my Credit Card companies. My bank account was compromised do to no fault on my own and my direct payments to credit card companies was rejected. 
My bank XXXX Bank was hacked and they did not notify me until my payments bounced. My bank should be held responsible not me. I had no control over there security issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act conversion has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 608 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 states a consumer report agency can not furnish a account without my written instructions.