23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On XXXX, XXXX, 2024 cashapp decided to closed my account due to suspicious activity this is the 3rd time they close my account between periods of months of opening a account with them. Theirs alot of people that complain about this issue because their so delicate and sensitive with their terms also is easier for them to just close your account instead of dealing with their customers issues they complain about since I cant provide my account number because has been closed but heres my information and the transaction that I made and done myself legitimate theirs no fraud report it or done in the account but their reason on why they close my account is because suspicious activity going on even though I verify that their legitimate transactions and didnt provide any other reason why besides that issue, cashapp didnt even send me a email or phone call to let me know that my account was gon na be closed
Product: Credit reporting or other personal consumer reports

When I checked my credit report, I found that some of the information was inaccurate. Thecredit bureaus are obligated to confirm these accountsunder Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting accountsas unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated into and corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Checking or savings account

Hello, So I received a letter in the mail from my banking institution ( Chase ) stating they are closing my checking and saving accounts and canceling all 3 of my credit cards. I have been with chase for almost 23 years, and I am completely baffled by this. this is a major inconvenience and could affect my credit scores because they are closing my credit cards. I am in the financial industry for almost decade now and I pride myself on having excellent credit. my job could be negatively impacted by this decision chase has made. the only reason I can think of why they would close my accounts is the amount of money that was being spent from my accounts in the past year. otherwise, I have been an excellent member of Chase for 23 years and I have excellent credit and make excellent money. this decision is just absolutely absurd, and I really wish they would reverse this decision. I don't know what else to do here but this is just not right.
Product: Checking or savings account

Approximately between XX/XX/2019 and XX/XX/2019, I noticed suntrust has been manipulating transaction to occur over drafts fees, they will re arrange transaction in different orders and sometimes not posting old transactions in the order of purchases that they occurred, Sun-trust will occasionally not debit my account when i make a purchase, so when i log in to my account it will appear i have plenty of funds to use. 

I also noticed when i made several direct electronic payments to cover my balance, Suntrust would not post those direct deposits as if i never made them, i believe they did this to have my account overdraw and then after it has overdrawn they will allow my electronic payment to go through days later, i did call Suntrust about this issue, then i was told it will be corrected. but this continued to happen. On XX/XX/2019 i was hit with 5 over draft charges in 1 day each of those charges are {$36.00} totaling {$180.00} in 1 day of overdraft fees. Which is due to their fraudulent tactics. 

Suntrust is committing fraud, by manipulating transactions to occur overdraft fees and i'm a victim along with others.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried continuously to resolve the following errors and misinformation on my report with these agencies, but they have ignored my requests and have caused me a great deal of XXXX I have missed out on employment, housing, and loan opportunities due to their neglect. 
I submitted all the necessary information for them to block the fraudulent XXXX  XXXX account that is showing. I have sent in the FTC report, Affidavit, cover letter and everything else they needed and they still wont block this fraudulent account even after it clearly shows that an account was opened in my name, but my XXXX  misspelled my name.
Product: Credit reporting or other personal consumer reports

There are accounts opened and reporting due to identity theft.
Product: Credit reporting or other personal consumer reports

To my knowledge, I have not signed any documents authorizing your organization to view my credit history. Therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( a ) : Permissible Purposes of Consumer Reports as well as Section 1681b ( c ) : Transactions Not Initiated by Consumer.

If you are in possession of any documentation bearing my signature that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy be sent to my address listed above.

For the sake of clarity, I will not accept any documentation that does not bear my signature authorizing you to make an inquiry into my credit file. Otherwise, anyone having stolen my identity could be behind this unauthorized inquiry. And YOU would be in violation of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I

have hard inquiry on my credit report from salley m ae XX/XX/XXXX and i was XXXX  from XX/XX/XXXX until XX/XX/XXXX. I cluldnt of possibly authorized this. Im noticing many inaccuracies.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  :
Product: Credit reporting, credit repair services, or other personal consumer reports

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY IN ONE CREDIT, CONDUCT AN  INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX XXXXXXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$170.00} XXXX XXXX Balance : {$100.00} XXXX XXXXXXXX Balance : {$67.00} XXXX XXXX Balance : {$5600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX Balance : {$170.00} XXXX XXXX Balance : {$100.00} XXXX XXXXXXXX Balance : {$67.00} XXXX XXXX Balance : {$5600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did an investigation on my credit report and found unverifiable, invalidated, inaccurate and questionable items that Transunion did not make sure it was reporting 100 % correct. 

The Fair Credit Reporting Act states that everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

I sent a letter to Transunion in XX/XX/2022 requesting them to remove this inaccurate information. They replied that these accounts were investigated and came back as verified, without stating who conducted the investigation, their process or how they were able to find that these accounts were valid when there's obvious inaccuracies showing on my report. 

As a consumer, I now request to know all the steps Transunion took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. 

I also would like to be sent a copy of the following documentation that would need to be had to prove that these accounts are valid : The original contracts that were provided to verify debt. 
Payoff and Interest Disclosures Balance and Payment History for all debt Credit Insurance Who verified these accounts? ( Provide the department and Supervisor contact information ) How were these items verified? 
The original contracts that were provided to verify debt. 
Payoff and Interest Disclosures Balance and Payment History for all debt XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccuracies in Credit Report for XXXX XXXX  Account ( # XXXX ) Dear CFPB Representatives, I am writing to formally file a complaint regarding inaccuracies in my credit report for the following account : Creditor Name : XXXX XXXX  Account Number : XXXX Upon reviewing my credit report, I noticed multiple inaccuracies related to late payments reported for this account. These inaccuracies not only fail to reflect my payment history accurately but have also negatively impacted my credit score. 

Details of the Complaint 1. The late payments reported on this account do not match my personal records and appear to be inconsistent. 
2. I have previously attempted to resolve this matter directly with XXXX XXXX, but no corrections have been made to date. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that all information in my credit report is accurate and verifiable. If XXXX XXXX  is unable to provide clear, documented evidence to validate the reported late payments, I am requesting that this account be entirely removed from my credit report. 

Requested Actions 1. I respectfully ask the CFPB to investigate this matter promptly. 
2. I request that XXXX XXXX  be required to verify and correct any inaccurate information. 
3. If they can not provide sufficient documentation supporting the late payments, I demand the complete removal of this account from my credit report. 

I have attached the following documents to support my complaint : Copies of my credit reports with the disputed account highlighted. 


Thank you for your attention to this matter.
Product: Mortgage

This is a second Mortgage that was signed in XXXX 2006. Can someone explain why 100 % is still going toward interest and 0 % is going toward principal. I have called the company weeks ago about this issue and no one in the entire company could explain why. They said they would get back to me. As usual when dealing with GTS, I have not heard a work about this or had anyone call me back./
Product: Mortgage

I had to put a new roof on my house last month do to wind and hail damage. I have paid out of pocket for the repairs. I have XXXX statefarm checks for settlement less than what I have paid out. Bank of America 's XXXX web page did not lead me to property claim processing. So I called them. They said go to XXXX which I have for the last 3 days the last XXXX web page unavailable. Before the web page went down there were XXXX more PDF documents to be printed and sent to XXXX XXXX, California for check endorsement. The customer service reviews were horrid. With the web page down I want a local officer in a branch to endorse the checks.
Product: Debt collection

I made the very last payment on time, however, payment was made during my time, pacific standard time on the due date. Unbeknownst to me the company cut off for the due date was based on eastern standard time. The charges showing on my account is a late fee on that last payment which paid my account in full. The late fee has accrued interest and penalties. I have closed the account and never used it again. I always paid it on the due date!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Method of verification Highly Requested Under 15 U.S.C. 1681i ( 7 ) Method of verification As a consumer I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 usc ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. 
Please send the following information used to validate the validity of the invalidated items below Items Highly Requested 1. The name of the original creditor 2. The creditors address and telephone number 3. The persons name they verified the dispute with 4. The Valid documentation used to validate the dispute.

5. Also, the procedures your company have in place to ensure each account is 100 % correct which i doubt.

6. IF YOU CANT PROVE IT YOU MUST REMOVE IT OR PAY {$1000.00} per VIOLATION YOU ARE COMMITING.

In accordance with FCRA,15 U.S. Code 1681e ( b ) Compliance procedures I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. if you fail to comply with this request and send all documentations that prove you seen and were sent valid documentation to say these items are 100 % accurate you will be held liable under 15 U.S. Code 1681n and 15 U.S. Code 1681o Civil liability for negligent noncompliance I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right under FRCA and pursue legal action.
Product: Mortgage

I have reached out to the company for over a year now in reference to this issue and have been told on numerous occasions and by different individuals that either the error would be corrected or someone would give me a call back .. neither of which has happened. 

There is an Amount of {$510.00} that has shown on my Monthly Mortgage Statement under Total Fees and Charges for over a year now. It reduces my Monthly Amount Owed by that said amount, but I have been told that it is not a Credit. If it is in fact a Fee, what is the explanation of the fee and why does it " decrease '' my Monthly Payment vs. " Increasing '' my Monthly Payment. 

Please have this item corrected, so that my Monthly Statement can reflect a correct Amount Due.
Product: Mortgage

Re ocwen loan XXXX I made my payments with Ocwen. Payments were missapplied. I called several times and was told there was no error. I finally reached a supervisor that said the matter was corrected. My bill was not correct for over four years. It was not corrected and an amount was demanded I did not owe and my house was placed in foreclosure. I tried several times but to no avail. I asked for a correct amount to pay and the amounts of money asked for the representatives could'nt justify.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am filing this FTC Identity Theft Affidavit to report 4 fraudulent account ( s ) appearing on my consumer XXXX Experian credit report which I do not recognize as reported and which result from identity theft and fraud. These fraudulent accounts consist of a Credit Card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts, collections, late payments, or charge-offs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Debt collection

On XX/XX/XXXX, I signed/submitted a document for 12 months lease contract with an apartment community : XXXX XXXX ( XXXX ). Once I signed, submitted the lease online, and while it was pending to be signed by the other party for execution ; the same day I called inquiring about not seeing anything on lease for cancellation or delays. I was advised over call ( records attached ) that they will get back to me after talking to their Manager. I receive a text message ( attached, with time ) from XXXX XXXX couple minutes later that they would let me delay the lease or transfer the lease by paying a certain amount but since the lease is executed it can not be cancelled. I called them after receiving that text message and mentioned lease has not been executed I haven't received any copy of the lease and if those are your conditions I am demanding to not execute the lease as I am not interested in renting anymore. I was mentioned they will see and get back to me. About XXXX minutes later I receive a signed/executed copy of lease in email ( attached ) from XXXX XXXX 's Manager. The time of sign can be seen in the lease document at every instance the Manager has signed the lease. I have their message lying about lease execution as well with date and time attached. On XX/XX/XXXX, I called and talked to the Manager to resolve this in a civil manner but received absolutely no agreement on the lease being executed by Fraudulent ways which is against Delaware code Title XXXX, Chapter XXXX, XXXX XXXX, XXXX. After seeing no cooperation I mentioned that I will dispute this as my right. After that incident I never received any calls about settlement or move in from the company. I received email about my move in but I already mentioned the company earlier in XXXX that I am not moving in. On XX/XX/XXXX I receive a notification about collections on my credit reports for {$16000.00} from XXXX XXXX XXXX reported by XXXX XXXX XXXX XXXX. This is completely unethical business practice and the company should not have adopted such fraudulent ways to secure their leases. I have their message, lease ( with both parties signed date & times ) and call records.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made a total of 7 calls to Equifax on XXXX and XX/XX/XXXX. A lender is trying to pull my report but are unable to I had an extended fraud alert on my report that I had removed on the XXXX. I was told the lender should now be able to pull my report but they are still unable to. The lender reached out to me and stated there is a different name associated with my ssn Equifax stated that isn't the case and my address, name and ssn is all associated with my current address. Also XXXX XXXX isn't able to pull my report either and I can never retrieve my credit report from XXXX. This has really been a frustrating process and it seems as if no one is able to help resolve this issue. I am hoping that with this complaint I am able to get this issue resolved asap. Thanks!
Product: Credit reporting or other personal consumer reports

I am writing to express my frustration with the dispute process regarding an items on my credit report and I want to dispute these fraudulent information. Despite my diligent efforts to provide valid documentation such as the required FTC report, supporting my position, it seems that my message is not being properly received by your bureau. Let me be clear : I am the one initiating these disputes under my name. 

The items in question is unfamiliar to me and the documents I have submitted are authentic and registered with the appropriate agencies, corroborating my stance. I insist that the record be rectified. 
It is important to note that as a credit bureau, you are legally obligated to ensure the accuracy and timeliness of your records. By failing to remove these fraudulent accounts, you are not fulfilling these obligation and are exposing me to further harm. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX 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. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX 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 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.

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.