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

XXXX has violated numerous laws. Ontop of its frivolous violations of regulation E and settling its lawsuit i brought against them and then breaching the agreement in fraud. They intentionally and punitively reported incorrect information to early warning systems and then XXXX XXXX, the high ranking Managing Director in the Legal Department who oversee litigation for Consumer Banking has accused early warning systems of violating the fcra and strictly blames them.
Product: Credit reporting or other personal consumer reports

My credit report as the wrong social security number on my account it as my ex husband social security number i not sure if his because off the data breach.my name an social security number was in XXXX XXXX data breach an XXXX data breach an XXXX an Experian data breach an XXXX bank an few other places even my health insurance care source but My credit card had my ex husband social security number I try call the credit report but I never get though
Product: Credit reporting, credit repair services, or other personal consumer reports

I have credit inquires listed on my credit report that I did not authorize. After seeing these I reached out to bot companies to have this resolved and removed. I sent both companies certified letters over sixty days ago, yet the inquires still remain.
Product: Debt collection

I opened up a XXXX account a month or so ago. I opened two lines which should have been under one account. One account was created with the second number listed as a sub-account. I paid both bills and got the accounts fixed with XXXX. I received a statement from the account that was no longer in service as it was switched that had an overpayment of {$88.00} for account XXXX which was switched over to the main account. I called XXXX back and asked if that overpayment could be transferred to my main account to pay my current bill. They allowed that to happen. A few days later a get a text message from MRS BPO collection agency stating that I owed debt of {$88.00} on the account XXXX which was refunded to me. I contacted XXXX who stated I had not been turned into collections and that everything on my account was current. I answered a call from MRS BPO on XX/XX/2020 and told them that the debt was not legitimate and requested only to be contacted in writing and requested proof of the debt. They were also asking personal information about my XXXX account. I am still receiving text messages in regards to the debt which is not legitimate after making it known I only want to be contacted in writing. I called XXXX again today ( XX/XX/2020 ) and told them what was going on. They stated again there is no outstanding collection and that all accounts are current.
Product: Credit card

Hello CFPB, On XX/XX/2023 I received notifications of charges on my Chase Credit Card ( ending in XXXX ). I contacted Chase and notified them of the unauthorized charges. I'll add the dates and charges below. They sent me letter stating that they have reviewed and deemed me responsible for all the transactions. Their reason was " You received benefit from this transaction. '' I am reaching out for assistance as these charges are fraudulent and I should not be responsible for these charges. I have added my bank letter regarding this as well as a former email notifiying me of another charge from XXXX that was declined. 

Thank you, Date : XX/XX/2023. 

Charges : XXXX XXXX XXXX - {$29.00} XXXX XXXX XXXX XXXX - {$130.00} XXXX XXXX  XXXX XXXX - {$50.00} XXXX XXXX # XXXX - {$100.00}
Product: Mortgage

In May of XXXX  we received notification from our County Property Tax administrator of a significant increase in our property taxes. I notified our loan care servicing company, XXXX XXXX XXXX LoanCare, of the increase and suggested an escrow analysis be performed. They agreed and stated we would be notified via email and USPS letter. We never received any communication from the company. 

In XXXX of XXXX, we received a letter from LoanCare, dated XXXX/XXXX/XXXX  indicating our escrow account was underfunded by {$6000.00}. The next business day, XX/XX/2022, I called and spoke with a customer service representative. We agreed to pay the shortage amount of {$6000.00} via digital check. I was instructed to write " escrow payment '' on the check. The payment was made online and cleared the bank on XX/XX/2022. 

I followed up on XX/XX/2022, contacting LoanCare Svcs to follow-up on the recent {$6000.00} escrow payment. I wanted to ensure the payment was made to correct the deficient escrow account and not prepaying our monthly mortgage amount or against principal. The LoanCare Svc person indicated a mistake was made and the {$6000.00} had been applied against principal. I clarified for her our intent to pay the escrow shortage. She indicated the issue would be addressed and a follow up letter would be sent. We never received a letter, or any follow-up. We continued to make our monthly mortgage payment as agreed to. I monitored our account via an online portal. I called periodically asking the staff at LoanCare Svcs why our information was inaccurate. They always assured me the information would be updated the next day or so... A letter explaining the error and apologizing for the mistake was always in the mail. 

This went on for months, even to the point of LoanCare Svcs issuing us a few certified letters initiating the foreclosure process. Unfortunately, my wife had received one of the letters when I was out of town. She was somewhat unaware of LoanCare Svcs mistake. She was very upset and spent the next few days trying to contact LoanCare Svcs with no success. I returned home and contacted LoanCare Svcs immediately. Once again I was assured it was just a bureaucratic mistake and I would be receiving a letter apologizing and detailing the issue. This never occurred. 

What we did receive was another certified letter continuing the foreclosure process. To add insult to injury, we also received an alert via our XXXX XXXX account that our credit score had been downgraded because of comments made by LoanCare Svcs to one or more credit reporting agencies.
Product: Debt collection

On XX/XX/2019 I contacted XXXX XXXX regarding an account they reported to my tradelines. I spoke with a representative who stated that they don't have an account and that I needed to contact The XXXX XXXX XXXX  who also stated they had no knowledge of the account. This account should not be reported on my tradelines if this company Does not have any knowledge of the account. By law this account should not be reported to my tradelines if the company is unable to locate my account or verify the account that is reported.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
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: Debt collection

Debt collector stated debts were owed from years XXXX and XXXX. 

These debts were paid by XXXX XXXX XXXX XXXX 

They also didn't like the fact I stated it's past 7 years to collect. So they fabricated a lie and said there was a judgement made in XXXX that lasted until year XXXX. 

I have no record of said judgment on any of my credit reports nor on my public state records.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written to XXXX XXXX with no response. I filed a complaint with this company with CFPB. Eventually, I found out the company operate XXXX through another name, XXXX XXXX, however I have not received any response to my request to validate this debt since I am not aware and have never been aware of the debt until recently.
Product: Mortgage

SPS Has been lying to me about several issues and Im having problems with my loan because of them
Product: Checking or savings account

I have not opted into Over Draft protection at US Bank. The allowed a transaction to come through and charged me a overdraft paid fee. 

Asked the bank to wave the fee, transferred to a manager Named Mr. XXXX when he got on the phone I heard a one word response of NO before we even started a conversation and they disconnected my call. 

In XXXX of XXXX XXXX of XXXX and XXXX of XXXX the bank did decline that transaction it's an auto pay but they had declined it at those times. 
This time they decided they were going to charge me a fee which they would not waive
Product: Vehicle loan or lease

I leased a XXXX  Toyota XXXX through Toyota Financial Services in XXXX of 2021. The vehicle was then garaged in Washington. We then transferred the car to our home in Montana ( XXXX XXXX XXXX XXXX, XXXX, MT XXXX ), where is has always been garaged. I am a Texas resident. I licensed the truck in Texas as an out-of-state vehicle, which Texas allows. Texas did not require inspection because the truck was always to remain outside of Texas. I was instructed by Toyota to fill out Lessee 's Affidavit for Motor Vehicle Use Other Than Production of Income. I did so, had it notarized, uploaded an electronic copy into Toyota 's account system, and mailed in a copy to Toyota. Toyota then responded by sending me another copy of the Affidavit to fill out and return. At the bottom of their attached letter, it told me to call them if this vehicle was garaged out of state. I've tried twice now to do this AGAIN and their call wait times are in the hours. I hate to submit this complaint for this reason, but even if I did wait hours to speak to somebody about something I've addressed numerous times with them, the person I reach would not be able to assist me ( as I learned on previous calls ) and would have no clue what I was talking about. I wish you could nudge TFS to provide better customer service. I have had many, many vehicles from them and their customer service has been on a continuous downhill slide. I'm pretty sure this will be my last Toyota for this reason alone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX 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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

The companies underwriters are trying to get me to pay a closing cost I dont have because my co-signer has only XXXX in savings. Additionally they ask for {$3500.00} for closing now they want {$14000.00} and they want bank info statements for XXXX XXXX isnt here yet also Im in the state of Georgia closing cost for FHA loan dont exceed {$2700.00}.
Product: Credit reporting or other personal consumer reports

Received notice from Mr. Cooper ( Nationstar ) that there was a security breach and that they are offering limited time identity theft protection through " XXXX ''. 

On their phone line you are asked " is this regard the recent " cyber incident '' '' before selecting what your call is about and where you want to be transferred. Then when I went to the website for another matter I noticed at the top of their menu page : System Update : We want to thank our customers for your patience as we have continued investigating the recent cyber incident. For the latest information, please click here. 

XXXX XXXX XXXX XXXX  ) Seems so made up/false flag to get their customers to sign up for protection, for god knows who : incident, XXXX. 

Credit bureaus have no place selling protection services anyhow -- it's THEIR job to monitor ; therefore protect the integrity of that credit... .not profit from it = conflict of interest ... and I'm sick of it being allowed. 

Thanks rf
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. 
TN DEPT OF HUMAN SVCS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the Fair Credit Report Act. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5, they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information.

( A ) In generalif, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that items of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are supposed to 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

I have asked for signed contracts for any account they say I owe on. They can not provide one. It has been 7 months and they will not send me a contract that I have signed. They are showing a creditor has written off a debt. When that company writes off said debt they were compensated. this company has 30 days to provide a contract with my signature or must be removed from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I spent about an hour on the phone with Equifax trying to clear a fraudulent issue. Though I gave them complete and accurate answers, they said they can not verifiy who I am. I asked to speak with a supervisor and was transferred to XXXX, Employee number XXXX. He would not transfer me to his supervisor, saying he doesnt have one. Additionally, I asked to speak to someone in their XXXX, GA office for two reasons. First, I have a hard time understanding their representatives that dont speak English as their first language. Second, I needed to speak to someone concerning the fraud issue. He would not give me a number in the United States, or transfer me to their corporate office.
Product: Credit reporting

I wrote to Experian informing them that a Tax lien that they are showing on my credit report in the amount of {$18000.00} was an error and that it should not be showing on my credit report. They ignored my request. I wrote them more than XXXX. I went to apply for employment with XXXX and received a letter stating that Experian recently issued, for employment purposes, a consumer credit report about me to XXXX/Employment. It states the credit report contained the following public record information : Court/Plaintiff : XXXX XXXX XXXX XXXX Tax Lien XX/XX/XXXX in the amount of {$18000.00}. Attached you will see the Release of the Federal Tax Lien dated XX/XX/XXXX showing I did n't owe the Tax Lien Received from the Department of the Treasury Internal Revenue Service showing that the amount owed is None. ( See attached documentation ). I wrote to Experian prior to applying for employment and informed them that this was an error and they flat out ignored my request and documentation. I 'm including the documentation via fax to the XXXX XXXX XXXX XXXX which is the number giving by your chat representative.
Product: Debt collection

XXXX   XXXX  I moved into a new house in a different city and transferred my services to that address. A few months later I received bills in the mail for a different addr ess on the same street with my name on it. It appears that duplicate accounts were made with my name and social security. The company would call me couple times per day to the point I had to block their number. I contacted them twice and spoke to the collections department both times they stated that two acco unts were registered and my social security number. I never received any calls or mail about being sent to collections. Most recently  XXXX   XXXX  I received notice via my credit report that I had an account in collections with an agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX XXXX XXXX XXXX ( Account Number XXXX, Balance : {$14.00}, Open Date XX/XX/XXXX ), XXXX XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Credit limit : {$300.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Checking or savings account

I was scammed by a XXXX seller. I had sent a XXXX payment through my bank Truist on XX/XX/2022 at XXXX. I realized I was scammed and the seller was never going to send me the tickets I purchased. I tried to stop the payment through my bank app and there was no option for this. I immediately called the bank the next day to stop the payment. I waited on hold for over an hour and was told I would need to be transferred to the fraud department. I waited on hold again for XXXX and was told I needed to be transferred to the XXXX department XXXX The person who then answered told me I was transferred to the wrong number and it would be faster to just go to the branch and speak with a bank associate in person. I went to the bank and waited and hour to speak to an associate and he was not able to help me he told me he would have to call the XXXX department too and it would take over an hour. He gave me a direct line and I called and waited on hold for XXXX and XXXX mins. The XXXX rep told me they could not do anything until the payment posted. They indicated there was no way to stop the transaction. They told me to call back once it was posted and report it as fraud. I called back once the payment posted and opened a claim. I received a letter within days from my bank indicating the claim was investigated and closed as it was not found to be fraud. 
I was scammed and had no ability to stop the transaction. This is not fair, consumers should have the ability to stop a bank transaction before it is posted if they feel they were defrauded or scammed.
Product: Credit reporting or other personal consumer reports

I have disputed this account sent letters and made phone calls and this company does not have a valid contract with me. I did not authorize my information or account to be sold to them and I did not authorize them to report anything specifically my personal identifying information to any other company or on my credit report. 

The representative was very nasty to me in my attempt to formally address and resolve the issue. please ask them to delete all reports and cease and desist from sharing or reporting any of my personal identifying information.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX presume that no proof of the alleged debt. No therefore, any such debt in fact, therefore exist. ( Please remove these accounts before I seek litigation for defamation of character ) XXXX  XXXX balance {$0.00}, XXXX XXXX XXXX balance {$560.00}, self financial balance {$0.00}, XXXX XXXX XXXX balance {$3300.00},
Product: Mortgage

I am a XXXX XXXX  XXXX XXXX XXXX XXXX veteran, I was suffering hardship from health issues then in XXXX COVID 19 hit. I was placed on a forbearance by Fay Servicing. On about XXXX they sent a letter saying I was on the forbearance and from what I understood it was still active. Then in XXXX I look at the paper and see my home with a foreclosure sale date of XX/XX/XXXX. I was shocked to see it since there is a federal moratorium on foreclosure until the end of XXXX. I also never received notification from Fay my forbearance was over.
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 proce 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 XXXX. XXXX financial loss, and I seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter via certified mail delivered on XX/XX/XXXX to XXXX regarding a collection being reported on my credit report asking for validation of purported debt. I did not receive a response. I sent a letter via certified mail on XX/XX/XXXX asking for Transunion to delete and/or investigate the collection being reported to my credit report ( acct starting with XXXX ). There was no response, and not note that it was disputed on my credit report as of XX/XX/XXXX when I sent another letter requesting the account be deleted. I got a letter sent XX/XX/XXXX stating that the account was verified as accurate. It has now been well over 120 days since I initiated contact with XXXX, and over 100 days since I initially contacted Transunion. I do not believe that an investigation was done at all.