23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Im being lied to by American Express Credit Card. I am a victim of identity theft and I am being told over and over not to worry. I have verified they are lying to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

After speaking with XXXX Bank, new information has come to light on their reflecting late payments to their company. Their claim is that I purchased an XXXX at XXXX in XXXX of 2021. As earlier reported, I gave my son permission to purchase the system via XXXX XXXX. I have found the receipts and the proof that he purchased the system months later using out XXXX XXXX card at XXXX XXXX. XXXX, we have a case of identity theft. We did not make this charge, it should be removed from my credit report. Further, I paid the invoice because I wanted to stop the negative information. I would like to be reimbursed for the amount I paid. 

Note also that the purchase was made and picked up in XXXX area. 

I have the receipts, serial numbers, etc of our purchase. 

Please help me resolve this with XXXX Bank.
Product: Money transfer, virtual currency, or money service

I put in XXXX dollars last year thinking I would use it, but did not and I went on Binance site to withdraw the money to my bank since I wired the money from the bank, on their site withdraw does not show anything and the XXXX That I put in so I asked them to send me a check well they do not send checks so the XXXX is just sitting there and I can not get it out because it does not show up, I'm going to go to Binance and tell them To do the web site over to show the withdraw but if they did not fix it by now they never will. that's how they have a lot of money they keep everyone money that they can't get it out. If I would have known I could not get the money out I would have never put it in
Product: Mortgage

Greentree Servicing harassed myself and my family via our home phone by calling multiple times per day every day between the hours of XXXX and XXXX. I was afraid to answer my phone and eventually disconnected my answering machine due to the harassment. Also, we applied for loan modification and restructure and for many months GreenTree kept insisting on more bank statements and would not make a decision. Also, when I would try to pay by phone, they made me pay a service charge for the payment not to be considered late.
Product: Credit reporting or other personal consumer reports

These accounts are reporting inaccurately and its unfair debt collection practices. These accounts have different amounts for each bureau and XXXX XXXX XXXX account is reporting twice on my report with different amounts owed which is misleading and unfair debt collection practices. These accounts are hindering me from obtaining a vehicle for my business that will allow me to make more income. These XXXX companies hasn't been verified by the company and they haven't provided me all proper documents saying the balance is accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 & 15 U.S. Code 1692 - Congressional findings and declaration of purpose U.S. Code Notes prev | next ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. 

( b ) Inadequacy of laws Existing laws and procedures for redressing these injuries are inadequate to protect consumers. 

( c ) Available non-abusive collection methods Means other than misrepresentation or other abusive debt collection practices are available for the effective collection of debts. 

( d ) Interstate commerce Abusive debt collection practices are carried on to a substantial extent in interstate commerce and through means and instrumentalities of such commerce. Even where abusive debt collection practices are purely intrastate in character, they nevertheless directly affect interstate commerce. 

( XXXX ) Purposes It is the purpose of this subchapter to eliminate abusive debt collection practices by debt collectors, to insure that those debt collectors who refrain from using abusive debt collection practices are not competitively disadvantaged, and to promote consistent State action to protect consumers against debt collection abuses. 

I demand that these accounts be deleted within XXXX  days before filing litigation. These accounts are hindering me in more ways than XXXX.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, sh app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card

I placed an online order on Home Depot.com for a washer and dryer using my Home Depot credit card ( issued by Citibank ). My account at the time had a {$0.00} balance with just under {$6900.00} limit. Once I placed the orders, i received emails advising that the charges were declined. When I contacted Citibank, they advised that the charges were approved. When I then contacted Home Depot, they advised that the charge was declined. Neither Home Depot or Citibank have been able to advise me why the charges were declined and as a consumer, I have a right to know why the decline
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to bring a particular issue to your attention that I have been facing with the Credit Bureaus. I am an XXXX individual and have been having a hard time getting a fraud alert removed from my account. 

The issue began on sometime last year. I noticed the fraud alert on my account. Since then, I have been attempting to get the fraud alert removed. 

In XXXX of this year, I contacted the customer service department of my financial institution and explained the situation. I was told that the alert would be removed within ASAP, however, the alert still remains. I have made several subsequent attempts to resolve this issue with the company, reaching out via phone and mail, but to no avail. 

I would like to mention that under the Fair Credit Reporting Act ( FCRA ), I am entitled to have complete and accurate information in my credit report. Moreover, the Fair and Accurate Credit Transactions Act ( FACTA ) allows me to place and remove fraud alerts, which I have found to be a difficult process with my current financial institution. 

The continued presence of this fraud alert has caused me significant inconvenience and has limited my ability to manage my finances effectively. It has also caused undue stress and anxiety, as I am unsure about the status and security of my account. 

I am hoping the CFPB can assist me in resolving this issue by working with the credit bureau to remove the fraud alert from my account. Your assistance in this matter would be greatly appreciated.
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to file a complaint against Experian and XXXX XXXX XXXX for failing to comply with the Fair Credit Reporting Act ( FCRA ) in handling my dispute regarding inaccurate and outdated information on my credit report. 
In XX/XX/scrub>XXXX XXXX I submitted a dispute to Experian regarding inaccurate and outdated information reported by XXXX XXXX XXXX on my credit report. Despite providing sufficient documentation to demonstrate the inaccuracies, Experian failed to : 1. Conduct a reasonable investigation into my dispute, as required under 15 USC 1681i ( 5 ). 
2. Ensure the accuracy of the reported information, violating 15 USC 1681e ( b ). 
3. Verify that XXXX XXXX XXXX properly fulfilled its obligation to investigate disputes, as outlined in 15 USC 1681s-2.

4. Remove outdated or obsolete information in accordance with 15 USC 1681c ( c ). 
This failure to act has significantly impacted my credit standing, limiting my access to credit and financial opportunities. 
Additionally, I have learned about the CFPBs recent lawsuit against Experian for engaging in sham investigations of credit report errors. My experience aligns with the allegations in this lawsuit, as Experian did not properly investigate or correct the inaccuracies in my report.
Product: Debt collection

Sallie Mae has repeatedly called me multiple times a day non stop for months. Additionally, they have begun contacting people I know ( who are not co-signers or references ), attempting to get them to contact me. These people are acquaintances from school, who are now aware of my debt.
Product: Credit reporting or other personal consumer reports

Formal Complaint Regarding Unauthorized Credit Inquiriss and FCRA Violations by Credit Reporting Agencies Complaint : Upon reviewing my credit report, I discovered the following unauthorized Inquiries : XXXX- XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX- XX/XX/XXXX I did not apply for credit or authorize these companies to check my credit report These inquiries were made without my consent, in violation of the Fair Credit Reporting Act ( FCRA ). I am requesting immediate removal of these fraudulent inquiries from my credit reports.

Request for Action : Immediate Removal of Unauthorized Inquiries : These inquiries were made without my authorization. I request that the credit reporting agencies immediately remove all unauthorized inquiries listed above from my credit report.

Compliance with the FCRA : Under the FCRA, the credit reporting agencies and creditors are required to ensure that the information on my credit report is accurate. The unauthortzed inquiries on my report violate this provision, and I demand compliance to maintain accurate and fait reporting.

Stop Collection Activities : I request that all collection aclivilies related to any fraudulent accounts lied lo thuse unauthorized inquiries be stopped immediately.

FCRA Violation - Permissible Purpose : According to FCRA Section 604, a company must have a permissible purpose to access a consumer 's credit report, such as my explicit authonzation or a credit application indiated by me. 
These inquiries were made without such permission, and I believe this is a clear violation of the FCRA. 
I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate these unauthorized inquiries and hold the credit reporting agencies and any related companies accountable for violating the FCRA. 
Requested Resolution : immediate removal of all unauthorized inquiriss from my credit report. 
A full investigation by the CFPB into this violation of the FCRA. 
-Ensure that the credit reporting agencies comply with the FORA 1o maintain accurate information. 
Thank you for your immediate attention to this matter. 1 look fonward la a prompt resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached a FTC requesting the removal of the following inquiries. 

( ( XXXX XXXX XX/XX/2022 ) ) ( ( XXXX XXXX XX/XX/2022 ) ) ( ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) )
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing today to exercise my right to question the validity of the debt your agency claims I owe, pursuant to the FCRA, Fair Credit Reporting Act. 

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXXXXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting

On XXXX XXXX I filed a direct dispute through XXXX XXXX with Transunion about a debt on my credit report. The debt was with XXXX XXXX XXXX XXXX collection agency. The original creditor was XXXX. I never received notification that this item was going on my credit report., which by my understanding is required under the Fair credit act. In addition, I have requested a bill from the original creditor itemizing the charges. Since when I terminated service in XXXX of XXXX I had a XXXX balance. XXXX reported this to the credit reporting agencies in XXXX of XXXX. I requested the bill from XXXX previously on XXXX XXXX, XXXX. Trans union completed their investigation on XXXX XXXX. I have requested the source of verification from Trans Union but was told that they can not provide me with that information. I asked them to reinvestigate the negative on XXXX XXXX. I am requesting that XXXX and/or Transunion remove this from my credit report if it can not be verified with a bill.
Product: Debt collection

I called XXXX after pulling my credit report XX/XX/XXXX. They apologized for sending my debt letter notifications to the wrong address and I asked for the original creditor information and they did not know all the details. They said id have to pay them directly. 

XXXX XXXX XXXX  Original Creditor Name SYNCHRONY BANK Date Assigned XX/XX/XXXX Original Amount Owed {$1100.00} Amount {$1100.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Creditor Classification BANKING Last Payment Date Date of First Delinquency XX/XX/XXXX Comments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ( XXXX ) XXXX Date Reported : XX/XX/XXXX,
Product: Credit reporting or other personal consumer reports

XXXX credit reporting that a Citibank underwriter has falsified my credit information. I have shown the XXXX document to the local Citibank office at XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX. I was told they can do nothing about this. 

It is imperative that an outside agency, such as the CFPB, begin an investigation into the matter.
Product: Debt collection

American Express reported different amounts and dates to XXXX XXXX and XXXX  the written off amounts and and date this item will stay on my credit record. My rights have been violated and according to the fair reporting act inaccurately reported information needs to be Deleted!
Product: Credit reporting or other personal consumer reports

Report # XXXX was on XX/XX/year> I requested Experian to file a dispute against my accounts with Department Ed and XXXX XXXX Regarding My personal and financial information was compromised without my authorization. The Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard information. 
Given the severity of this breach and resulting compromise of my personal and financial information, I requested that immediately cancel and discharge my XXXX  loans debt in full. The investigation took less than a month. And there were other XXXX  who had the same issue that has resolved cases. The investigation information was very short company disagrees thats it. For over 13 accounts. No investigation or explanation was done throughly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in contact with Equifax about these inquiries that arent mines they told me to get a police report which I did they have still failed to remove these inquiries
Product: Debt collection

I owned two XXXX XXXX? XXXX XXXX XXXX accounts with the original creditor. These accounts were established around XXXX and XXXX. XXXX sold these accounts to Portfolio Recovery Associates I believe in XXXX. The first account had a credit of {$1000.00} where the second was under {$3000.00}. After paying these accounts for years, $ XXXX $ XXXX monthly on each, I noticed that the balance was never decreasing. I contacted the creditor on numerous occasions requesting the terms of the credit, balance and payment history but would never receive the information. I contacted the creditor by phone frequently inquiring about the no-interest promotional offer and why the account was accruing interest and fees when I had a deferred interest promotion but could never get answers. I stopped paying the creditor, because at this point I had paid well over the original balance and the creditor was engaging in predatory practices. 

In XXXX I received a letter stating that the accounts were sold to Portfolio Recovery Associates. I have since informed Portfolio Recovery Associates that my accounts were paid to the original creditor ( XXXX  XXXX/ XXXX XXXX XXXX ) and that they have failed to provide me with the credit terms and payment history needed and what they were trying to collect on was inaccurate. Portfolio Recovery Associates has since reported me to the credit bureaus and have also filed a claim in court to collect on this invalid debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has been disputed at least four times with XXXX, XXXX, and XXXX. I, have never had an account with XXXX XXXX XXXX. The information is unable to be validated, or confirmed, and need to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian XX/XX/18 Report # XXXX Errors Page 15 of 16 Under Notices XXXX XXXX XXXX XXXX is not a Retail Trade Business as stated by Experian. XXXX XXXX XXXX is a Residential Address.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX XXXX  Account Number : 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 an 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 or 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

I recently reviewed a copy my credit report and noticed I had fraudulent accounts on my report. Please Remove these accounts from my report, they are hurting my ability to obtain credit. 

XXXX XXXX  XXXX - XX/XX/XXXX. 
XXXX XXXX XXXX - XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX.
Product: Mortgage

I'm having trouble getting Wells Fargo to accept the XXXX XXXX  XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX  ) money or give me an affordable modification. Id like the bank to accept an HAF payment on my behalf- and then have Wells Fargo factor that reduced principal balance into a modification. 

I've been trying to keep my home out of foreclosure since I came out of the COVID forbearance program in XXXX. My mortgage is currently 22 months past due. On XX/XX/22 Wells Fargo said they granted a modification for the XXXX XXXX mortgage on my property. 

1 ) They did not offer any principal/ arrears/ accrued tax forgiveness, even though the housing to income ratio remains well over 50 % and full documentation was submitted. 

Even if I accept the modification, I think the mortgage payments will remain unaffordable and I'll have to sell the property. 

2 ) I have not seen the offer in writing. Wells Fargo said they couldn't send it to me yet because I'm only a potential successor in interest ( non-borrowing spouse ). 
( I showed Wells Fargo my grant deed saying I co-own the house, but the bank said I can't become a confirmed successor until my divorce is finalized. That means I have limited access to information. As a non-borrowing spouse they wouldn't allow me to apply for a modification without my ex-husbands approval. 

The court has given me exclusive use of the house. I have to pay the mortgage in full. My ex-husband wont contribute to the mortgage and is willing to let the home go into foreclosure. 

I'm attaching a screenshot from an NCLC article that says I should not be required to go through my ex-husband for all of this. ) 3 ) On XX/XX/22 the XXXX said it was trying to work with Wells Fargo to see if the company will accept an arrears payment. They said Wells Fargo usually won't accept the arrears payment because my name is not on the mortgage. 

The XXXX said non-borrowing spouses should be eligible for the XXXX funds for conventional mortgages. I'll attach a screenshot of the XXXX 's website with the section about XXXX funds for non-borrower spouses highlighted. 

4 ) On XX/XX/22 Wells Fargo if I don't accept this modification and I wait for the XXXX  program and then re-apply for a modification, the interest rate on the modification will likely go up because mortgage rates are much higher now. However I locked in the modified interest rate pre-COVID. 

5 ) Wells Fargo also said homeowners can't accept the HAF payment and get a loan modification. Is that true? I read on the CFPB that the XXXX  is designed to work with other programs. I attached a highlighted screenshot of the CFPB 's website where it says I should still be eligible for other bank modification programs. 

6 ) Please provide me a reasonable road map for me to get the bank to accept money from the XXXX?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am tired of sending dispute letters to Equifax requesting that they correct this erroneous account being reported on my Credit File because they have been doing nothing! This complaint is to follow up my previous complaints and letters I submitted on XX/XX/XXXX and to inform them that I am halfway of taking legal action and sue them for their willful non-compliance of the FCRA statute. Only if Equifax chose to update and correct the account on my Credit report, then I may stop filing lawsuits against Credit reporting agencies. The account that should be corrected is : XXXX XXXXXXXX XXXX Date opened XXXX XXXX, XXXX Balance $ XXXXLate/Open Late Date XX/XX/XXXX