23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

MORTGAGE FRAUD, CONSUMER FRAUD, INTENTIONALLY MISLEADING FEDERAL INVESTIGATORS ... XXXX XXXX, Nationstar Mortgage, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX intentionally misled the CFPB and the consumer. We have attached a signed statement from XXXX through their attorney, and he confirms they brokered a fraudulent loan that Nationstar collected on even after they were fully aware of the fraud. Their Attorney has also confirmed the Senior Citizen victim was mislead over {$36000.00} over the course of this loan when you multiply the loan disclosure fraud by the number of payments being made. XXXX XXXX used this bogus claim in their last several fraudulent responses ... " This complaint lists someone the company does not recognize as their customer or their customers authorized representative. '' and the conspiracy to defraud and mislead continues. No one is denying loan fraud, escrow, fraud or theft ... now they just claim to be immune to prosecution, claiming a bogus statute of limitations. " Obama signs law cracking down on mortgage fraud ... Department had received 62,000 reports of mortgage fraud last year ... In the past, the statute of limitations on all kinds of fraud cases was five years. However, President Obama has established a new law in 2009, which increased the statute of limitations to 10 years. Additionally, Florida can toll the statute if the defendant is out of state. '' ALL DEFENDANTS ARE OUT OF STATE ...
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, Cash 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 and this isnt the first time it has happened
Product: Credit reporting, credit repair services, or other personal consumer reports

I called your department after I purchased a credit report with Experian.com on XXXX. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that this was negative charge off on my credit report. This is disappointing because I has been paying Experian.com 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. I have never with this account listed below, so please help me remove this charge off account, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in these written request. Please help me resolve this issue as soon as possible. 

PLEASE DELETE THIS FRAUDULENT ITEM : XXXX XXXXXXXX XXXX XXXX. 
Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau XXXX and the XXXX XXXX XXXX XXXX Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my driver 's license, SSN, and current Utility Bill as verification of my ONLY address.
Product: Debt collection

XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX. Tx XXXX XXXX XXXX XXXX/XXXX/2025 Credit Collections Services XXXX XXXX XXXX XXXX, MA XXXX Subject : Request for Compliance with 15 U.S.C. 6802 Regarding Disclosure of Nonpublic Personal Information Dear Credit Collection Services, I am writing to address a concern regarding the handling of my nonpublic personal information ( NPI ) under 15 U.S.C. 6802 of the Gramm-Leach-Bliley Act ( GLBA ). 

As a customer of Credit Collections Services, I understand that you are required to provide clear disclosures regarding your policies and practices for sharing NPI. Additionally, you must offer me the opportunity to opt out of certain types of information sharing with nonaffiliated third parties. 

My concerns are as follows : XXXX. I have not received any of your privacy notice and disclosures. 
XXXX. I have received no information on this matter only a bill saying I owe {$380.00}. 

To resolve this matter, I kindly request the following : XXXX. Confirmation of whether my nonpublic personal information has been disclosed to third parties. 
XXXX. A copy of your current privacy policy, as required under 15 U.S.C. 6802. 
XXXX. Immediate cessation of any information sharing that is not explicitly authorized by me. 
XXXX. Instructions on how I can exercise my opt-out rights regarding the sharing of my NPI.
Product: Debt collection

I was never contacted about this debt, mailed any notification or anything. Also, unaware of who this is as it is not the original creditor. Now it has been added to my consumer report negatively affecting me and my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date : XX/XX/XXXX Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, FL, XXXX Dear : Experian, I XXXX XXXX, have written this letter to dispute a claim that is false. It is listed on my credit report. I am requesting it be removed immediately. 

Party Owed : XXXX XXXX : account # XXXX Date Opened : XX/XX/XXXX Amount : {$670.00} XXXX XXXX XXXXXXXX : Account # XXXX Date Opened : XX/XX/XXXX Amount : XXXX I am disputing this claim due to it being fraudulent. These are fraudulent accounts, This is my official request to have the accounts mentioned to be deleted off my credit report. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Accounts XXXX XXXX XXXX XXXX $ XXXX DISPUTED XXXX XXXX XXXX XXXX XXXX $ XXXX DISPUTED XXXX XXXX XXXX  XXXX XXXX $ XXXX DISPUTED XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX $ XXXX DISPUTED XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX $ XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXX $ XXXX DISPUTED XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX {$720.00} / DISPUTED XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX $ XXXX DISPUTED XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XXXX DISPUTED XXXX XXXX XX/XX/XXXX, XXXX $ XXXX DISPUTED XXXX XXXX XXXX XXXX $ XXXX DISPUTED XXXX XXXX XXXX XXXX PAID 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 an account without my written instructions.
Product: Checking or savings account

XXXX and ACH payments are not directly accessible while wire is. XXXX requires you to set up a direct deposit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have s few credit cards for emergency use. I am a responsible credit card user. But, when ever I use my credit card, XXXX & Experian reduce my credit score by a few points. My question is : We get credit cards to be able to use them and if we get penalized by using credit cards, then what is the purpose of using the cards? Also, why is it not disclosed by the credit card companies that we will be penalized if we use their credit cards?
Product: Student loan

Towards the end of 2022 I got a notification that my loan servicer, launch servicing LLC would be acquired by ascent. I had no mind of it until I saw my credit report and the account that I originally had taken out with launch had doubled into now 2 separate accounts. Now I have a {$17000.00} debt that is falsely under my name. I've contacted launch servicing, now Ascent, to change remove this and they told me that the credit bureaus will need to remove it, the credit bureau told me they need a letter from ascent. I've contacted ascent twice on this matter and they refuse to write me a letter stating their own incorrect information on my personal account and finances that is now effecting my life. Launch/Ascent has refused to provide any documentation, but has admitted to this falsehood on my account and credit. This has caused my credit score to lower, my debt being ~50 % higher then it should be, and refinancing and purchasing opportunities have become extremely difficult. Please help, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I told experain several time that negitive accounts with XXXXXXXX XXXX are not mine. Experian supposed to block these three accounts from showing on my account due to fraud. I summited police report to them my name is XXXX XXXX my social security number is XXXX
Product: Mortgage

On XX/XX/XXXX notification was sent to me via XXXX party of a NOD that was listed on my property, which is my primary residence from Franklin Credit Management Corporation. I was not notified of such NOD via registered letter as required by law. 
I have made request for modification in accordance with XXXX, Ca. Franklin Credit Management Corporation has not responded to a letter I requested several documents in a letter dated XX/XX/XXXX as well as letters dated XX/XX/XXXX. These were all RESPA, QUALIFIED WRITTEN REQUESTS which have not been responded to within the 20 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 my 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 creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report 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 reporting, credit repair services, or other personal consumer reports

I recently won a court order to have this account with XXXX fed bank to have all information removed from my credit file in regards to this account. I have made several attempts to have this situation handle without involving consumer financial protection bureau. I have attached a copy of the final judgement dated XX/XX/2020.
Product: Credit reporting

I am disputing information recently sent to me by Experian on report frompreviously disputing inaccuracies on my credit report. This information detail personal information such as name, co-spouse, and telephone numbers. The accuracy of this information is important to the respect of XXXX parties.
Product: Credit card or prepaid card

On XX/XX/XXXX I purchased 150 bulk firewood bags online at the XXXX website. I had inquired about the product and price earlier as well as shipping charges. The quote I received quoted the price for my original request of 100 bags, but the representative offered a quantity of 150 for the same shipping charge which I ultimately accepted. My request and the quote was for shipping to my address as would be customary for any online order. The language used by the representative was " to your door '' for a price of {$2100.00}. I paid by Capital One XXXX a total charge of {$2100.00}, which included the XXXX for the product & shipping, plus XXXX which is the credit card fee on the site. I was promised the material would be shipped in 15 days, then since it was coming from XXXX shipping could be 2-4 weeks. 

I waited, and after nearly 2 months began inquiring as I had not received the material or heard any feedback from the company. I was eventually told the material had shipped and was enroute to the port of XXXX. Soon after I began receiving bills from another company " XXXX XXXX '' for {$190.00} in Customs and paperwork preparation charges. This is apparently a subcontractor for XXXX who handles the freight here in the USA. I also began getting emails and phone calls from XXXX XXXX terminal asking when I would be picking up my material. I advised XXXX XXXX I would not be picking up, it should be shipped to my home address. I attempted to correspond w/ XXXX regarding the issue and did not receive a sufficient answer. At this point I began to realize the material was not going to be delivered to me, so I initiated a dispute with Capital One. 

I filed a dispute requesting a charge back with Capital One, which they initially granted, crediting my account and apparently pulling the funds back from XXXX. I also requested a refund through the XXXX site, but that was put on hold due to the charge back. Over a month went by, and I considered the matter resolved. Then in XXXX Capital One re-applied the charge to my statement and advised they received " confirmation '' from the seller that the goods had been delivered. I immediately contacted Capital One, provided the correspondence from XXXX XXXX and XXXX XXXX and reiterated that I have not received the material. While it does appear that XXXX shipped the material to XXXX, this does me no good as I have not yet received it, and had not plans to drive to XXXX to pick it up. Further, now XXXX XXXX has continued sending bills advising the " storage fees '' have accumulated to over {$2600.00} which exceeds the original order. Thus far Capital One has been unwilling to assist any further. I will attach documents of the original price quote which was provided in the email function of the XXXX website, a screen shot showing payment originally on XX/XX/XXXX, the refund request for XXXX that was denied due to the original charge back, the invoice for {$190.00} from XXXX XXXX, and one of the many emails from XXXX XXXX advising of the storage fees and inquiring when I would be picking up the material.
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. 

U S DEPT OF EDXXXX XXXX XXXX, 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 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 : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 


These are clear violations of my federally protected rights under the FCRA.
Product: Credit reporting or other personal consumer reports

In accordance with The Fair Credit Reporting Act- The list of accounts below have and do continue to violate The Consumer 's federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account Name : XXXX XXXX Collections Number : XXXX Account Name : XXXX XXXX XXXX XXXX Number : XXXX 15 USC 1681 section 602A states that ( a ) Accuracy and fairness of credit reporting. 
( XXXX ) 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. 

15 USC 1681 section 604A states that a consumer reporting agency can not furnish an account without the consumer 's permission- ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 15 USC 1681c. ( a ) ( 5 ) states that : ( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( XXXX ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 USC 1681s-2 ( a ) ( 1 ) ( A ) states : ( a ) Duty of furnishers of information to provide accurate information ( XXXX ) Prohibition ( A ) Reporting information with actual knowledge of errors 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: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, Texas, XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Formal Dispute of LVNV Funding LLC Collection on My Credit Report Dear Consumer Financial Protection Bureau XXXX XXXX am writing to formally dispute an item on my credit report related to LVNV Funding LLC XXXX According to my credit report, this company has reported a collection account with an open balance of {$780.00} and {$1900.00}. I believe this entry is inaccurate and unfairly damaging my credit profile. 

I request that the CFPB investigate this matter under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Specifically, I ask that you : 1. Verify the Debt LVNV Funding LLC must provide written proof that this debt is valid and that they have the legal right to collect it. 
2. Investigate the Accuracy Ensure that all reported information is correct, including dates, amounts, and ownership of the debt.

3. Remove the Account If the creditor can not verify the debt, I request that this collection account be removed from my credit report. 

Thank you for your time and assistance. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

I know I am not the first but I hope I will be the last to have to deal with this and put an end to it. US Auto Sales of Georgia closed its doors earlier this year and sold off my auto loan to Westlake Portfolio Management. My car was total lossed on XX/XX/XXXX and Westlake has not done any paperwork associated with, or made any attempt, to complete the GAP waiver process which was connected with my original agreement. I was further informed today, XX/XX/XXXX that I am required to submit the GAP claim myself because it was done through a " third party. '' I spoke with the GAP provider who proceeded to inform me this is indeed their full responsibility to submit on my behalf. All the paperwork they would require from me is already in my possession but I am getting absolutely NO traction on this whatsoever. I am making an official claim against Westlake for incompetence and failed business processes that unclear/differing information from multiple customer service agents I have spoken with in regards to this process. 

I am going in a circle with Westlake Portfolio Management and absolutely would not recommend that anyone do business with this company if they can avoid it.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$15000.00}, {$9400.00}, {$8100.00}, {$0.00}, {$0.00}, {$24000.00}, {$12000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9400.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8100.00} -This is not my account. 


-- PERSONAL ACCOUNTS 4. XXXX XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

6. XXXX XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$24000.00} -This is not my account. 


-- COLLECTION ACCOUNT 7. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account.
Product: Student loan

I applied for the SAVE plan on XX/XX/24 and it was approved. I made my first payment on XX/XX/24 after my XXXX grace period ended. On XX/XX/24 the federal court injunction blocked SAVE and Mohela put me into administrative forbearance. In XXXX I logged into Mohela and saw it said I had a payment past due despite this, and it had placed my loans on a standard repayment plan. I had to call several times to get a hold of someone who told me my SAVE plan was processed in XXXX, but only applied to 12 of my 14 federal loans, and that the other 2 needed to be put on SAVE. She submitted an administrative forbearance application for me and advised me to reapply to SAVE just in case, which I did on XX/XX/24. Now I log into Mohela today and see that all 13 of my loans are listed as payment due, on a standard repayment plan, and that my forbearance is expiring in 2 days. I submitted 2 forbearance applications within the last month and Mohela has not done anything to fix the issue, I call and wait on hold for estimated 2 hours so I request a call back and they never called back. The administrative forbearance for SAVE is also supposed to be interest free due to the court case, but I believe my loans have been accruing interest. Mohela has no interest in helping borrowers or fulfilling their duty as a loan servicer.