23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

They sent you a letter ( 50 pages ) and it appears they are asking for the XXXX XXXX XXXX ( now provided ) In this letter a number of false statements were made to the CFPB 1 ) typo, wrong loan transfer - it was XXXX, not XXXX XXXX ) They say they provide a communication method, but they do not answer the phone, text, email, or registered letters, 3 ) They say there was a letter on XX/XX/year> - never recieved, 4 ) They never asked for the master HOA policy, Until the leter sent to CFPB they provided NO insurance contact. It is very obvious that Newrez wants to systematically take {$170.00} / month from me. In reading the consumer complaints, they are taking this from many many people. They have a poor record and would like the CFPB to believe they have communication and a reasonable service. The truth is they provide NO SERVICE because doing so would allow people to avoid problems they make money creating.
Product: Checking or savings account

Case No:XXXX-XXXX,on XX/XX/XXXX and XX/XX/XXXX,I XXXX XXXX XXXX received my XXXX from Social Security Administration my Deposit of:$XXXX Deposit from JP Morgan Chase XXXX XXXX XXXX said it was an Invalid account number but Social Security Administration don't make mistakes like this ofXXXX:XXXX:XXXX:XXXX.Account Ending in:XXXX
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. 

These accounts in question are reporting inaccurate information on my reports : XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 15 USC 1681 section 602 A. States : I have the right to privacy.

15 USC 1681 section 6O4 A. Section 2, it also states : The consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 C A5 section states : No consumer reporting agency may take any consumer report containing any of the following items of information any other adverse item of information other than records of conviction of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person should not furnish any information relating to the consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive contacted equifax numerous times over the past few months about inquiries that does not belong to me and they have denied me of deleting them even after they told me I was a victim of their breath. Also Ive had a collection removed from my other reports however equifax is refusing to remove it
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. XXXX and remove it. 
XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX  Date of inquiry XX/XX/XXXX, XXXX XXXXe of inquiry XX/XX/XXXX, IN XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date XXXX Inquiry XX/XX/XXXXXXXX XXXXF Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX & XXXX XXXX XXXX of inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I have an account with RIA Money Transfer while ago to send money to XXXX for my family members and friends who are in the hard financial situation. 
They use this money to buy groceries and pay tuition for their kids.Two weeks ago I tried to send to send money for one of my brother and the account is closed, I called them to have an explanation they said there is no explanation to provide me. 
I feel there is an abuse of power and my right as customer is violated and my family members are suffering. 
I dont mind they close the account if I violate their rules but Im not aware of doing anything wrong.
Product: Mortgage

I have attempted to pay my new ( " transferred '' ) loan depot mortgage online several times. By the way, I have not received any statements since the initial statement in XXXX ( loan transferred since then. ) I was told you do not receive a statement, until the payment is made. That's also wrong : you should receive a statement consistently each month in order to pay in a timely manner. But this is the real problem : their website keeps sending me back and forth between the same screens. I've called several times and no one has been able to get me through to the correct place to set up my online payment : most recently, this past Monday. I spoke to XXXX ( wrote this one down ) who assured me my old loan info. would be removed ; and I'd be able to access the transferred loan. My previous transferred loan was # XXXX ; I am trying to set up online payments for the new Loan Depot refinance mortgage ( # XXXX. ) I gave the website plenty of time to ( " may take up to 48 hours : '' ridiculous ) and this morning, still could not access my account! When I did finally get through, it stated it would be another 48 hours before I could access, and pay, my loan. They will be conveniently servicing the website Sunday, XX/XX/XXXX setting up customers to be late on their payments. 

XXXX XXXX XXXX created their payment website in XXXX. It is truly the worst. Please help. I shouldn't have to keep calling in and paying by phone ( more fees. ) I have a credit score of XXXX and have always automatically paid my mortgages on the XXXX of the month.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
If you choose to not block the account listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. 

Please remove/block the account as they are fraudulent & were opened without my consent or knowledge XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened XX/XX/2021 Balance : {$190.00}
Product: Checking or savings account

I was a victim of fraud to my XXXX account linked to my XXXX checking account by Well Fargo. The other party made a false claim that I had not sent them an item but I do not sell anything though XXXX. The other party made a money transfer of {$900.00} to my XXXX account that was not solicited by me or requested at all though the app. I then sent back the money ( this occurred XXXX XXXX of XXXX  ) the next day and XXXX even charged me a fee of {$26.00} to do so. I have reached out to the other party with no response. I reached out to XXXX and they said because I didnt use the refund button that they couldnt help me recover my funds in any way. I then called Wells Fargo and they did not give me any info or even allow me to elaborate on the situation since I dont hold an account with them. I explained the situation that the other party that is a member of Well Fargo, had lied and commuted fraud about yet situation and they refused to help me, saying I shoutd contact my bank. I contacted XXXX XXXX  and started a dispute after relentlessly explaining what had happened. My claim was denied and not only did Wells Fargo charge my XXXX {$900.00} ( which has caused XXXX to lock and close me out if my account ) but I also got charged the {$900.00} from my checking account through XXXX. I am out {$1800.00} due to this fraudulent issue. Please help get my money back and clear my XXXX account of any charged fraudulently processed by both Wellf Fargo and XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

My second time having to dispute this account : XXXX XXXXXXXX XXXX XXXX XXXX XXXX that is currently reporting to my credit report is is holding up the process of me buying a new home. The account is FRAUDULENT and UNAUTHORIZED. XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX filed a civil case against me for a debt collections that I did not authorize. They are in violation of FDCPA 805/806/809. demand to see the application for credit or request for business. I demand see the purpose, and written contract, and proof that I applied for these accounts?? I am a victim of Fraud and I am protecting my credit file as much as I can.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. 

I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. 

The accounts I have marked as inaccurate, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

In 2018, I opened an account with M & T bank responding to its marketing promotion. Then, M & T bank refused to honor its promotion. Having failed to persuade M & T bank, I filed complaint with Consumer Protection Bureau. Then, M & T bank paid the promotion to me and closed the account per my request. ( around XXXX or XX/XX/ 2018 ) Last week, I was surprised to receive a debt collection notice which M & T alleged that I own it {$74.00}. This is really M & T Bank 's malicious act. I never owed any money to M & T bank.
Product: Mortgage

As a homeowner whose XXXX  was forced to close due to NY State executive order regarding COVID-19, I have made numerous attempts over the past 7 days to contact my mortgage servicer - Mr. Cooper. I have e-mailed them, sent them messages using their online secure message center, and attempted to reach them by telephone. On three separate occasions, spent over 5 hours on hold, to no avail. Online review website XXXX  is filled with similar complaints. At a time when most people need to reach their mortgage service provider, Mr. Cooper has been completely absent in providing any type of customer service whatsoever. This is simply unacceptable, to ignore a paying customer for over 7 days. I understand these are unusual circumstances, but a company should have its act together and anticipate an increase in call/e-mail volume. I'd like the CFPB to kindly investigate their business practices.
Product: Credit reporting or other personal consumer reports

RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Mortgage

In the process of selling my home my mortgage was sold without my knowledge. The mortgage was sold from XXXX XXXX to Selene Mortgage company on the day the property was sold. The check was sent to XXXX servicing on XXXX XXXX and they sent the check to Selene. Selene cashed the check on XXXX XXXX in the amount of {$90000.00}, this was the total pay off amount. Selene has yet to apply the total to the outstanding balance. I have received SEVERAL collection phone calls over the past 90 days. And have spent countless hours on the phone with them trying to resolve the issue. I have requested 5 times to speak to a manager and it is not allowed. They always tell me that someone will get back to me within 24-48 hours and they never do. They owe me {$220.00} of {$11.00} a day in prepaid interest ( 20 days ). There has been activity of payments made to the account and then retracted. I need help finding my {$90000.00} PLEASE HELP!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my name is XXXX XXXX I need help with this problem its really effecting me right now. This notice is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by the law on my consumer report. 15 USC 1681b ( c ) furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( XXXX ) information regarding inquiries. Except as provided in section 1681g ( a ) ( 5 ) of this title a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer The following account listed below are a result of identity theft and was not initiated by me I demand that they are deleted immediately My identity has been stolen you are hearby put on notice Whoever during and in relation to any felony violation enumerated in subsection ( c ) Knowingly transfers, possession or uses without lawful authority a means of identification of another person shall in addition to the punishment provided for such felony be sentenced to a term of impressment of 2 years An identification of me has been used without my permission to open serval accounts that have damaged my reputation and damaged my mode of living because you furnished a consumer report without my written permission as stated by federal law 15 USC 1681b permissible purpose of consumer reports In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) IN Accordance with the written instructions of the consumer to whom it relates You have aided this fraud by not verfiying these accounts Congress States 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy Account names XXXX XXXXXXXX - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX - XX/XX/2021 Pursuant 15 U.S code 1681c-2 Block of information resulting from identity theft 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 not later than XXXX business days after the date of receipt by such agency 1 proof of identity of consumer 2 a copy of identity theft report 3 the identification of such information by the consumer and 4 a statement by the consumer that the information is not information relating to any transaction by the consumer have attached all the relevant documents pursuant the above section of the law I demand all the above fraudulent accounts DELETED immediately
Product: Credit reporting

XXXX offered me a pay and delete offer in 2013, in which I accepted and paid {$93.00} in XXXX 2013. XXXX cashed the check on XXXX/XXXX/2013 and as agreed in the settlement offer, they should have updated my account information with all XXXX credit agencies. Therefore, it was illegal and unlawful for XXXX to sale the debt. I do NOT owe XXXX the full amount of the debt because this debt was paid and settled with the original debtor.
Product: Debt collection

Mariner Finance LLC was provided with Notice to Cease and Desist from contacting me via phone on two separate occasions. They were also instructed to correspond with me regarding all account information via regular mail at my current home address. They never did. On XX/XX/2019, Mr. XXXX XXXX XXXX provided my financial institution, XXXX XXXX with legal garnishment papers. It appears through illegal channels, documentation was filed with Superior Court of New Jersey, XXXX County, Special Civil Part without providing proper notice to me regarding the debt and providing opportunity to dispute same.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX Account Number : XXXX -- -INQUIRIES -- - XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX  XXXX XX/XX/XXXX : XXXX XXXX XXXX  XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX :
Product: Debt collection

There is not an option to choose for what it is that I am filing this complaint about. I disputed this account twice and and when I called to remove the dispute verbiage on the account telling them I no longer dispueted the information, XXXX and XXXX removed the comments within 3 days, XXXX however, stated that because the company had placed the verbiage on this account that it could take up to 30 days to have this done and they recommended that I call the collection agency and request for them to remove the verbiage from my report. When I called them on XXXX at XXXX Central Standard time, I spoke with a lady named XXXX. I asked her what the procedure was to remove these comments, and she stated that unless I paid the debt, that the comments would remain on my credit until it was paid in full. i know that this is illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted identity theft affidavits to all 3 credit bureaus due to fraud activity on some accounts that landed on my credit reports. the FCRA & 605B ( 15 U.S.C. & 1681c-2 )  specifies and I quote " ( a ) Block. Except 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, not later than 4 business days after the date of receipt of such agency of- 1. appropriate proof of the identity of the consumer ( which I provided ) 2. a copy of an identity theft report ( which I provided ) 3. the identification of such information by the consumer ; and 4. a statement by the consumer that the information is not information relating to any transaction by the consumer. ( which I also provided ) YET the following account : XXXX XXXX XXXX  XXXX IN THE AMOUNT OF {$5000.00} remains on my credit file and was never blocked and or removed ... ..this account is ruining my financial life as I attempt to put it back together.
Product: Credit reporting or other personal consumer reports

Transunion has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a 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 XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience with Transunion, where Transunion 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 disputed accounts, as Transunion 's inaction violates federal law and my rights as a consumer.