23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX A XXXX XXXX XXXX XXXX XXXX XXXX XXXX A 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 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  Balance : {$110.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I sent a letter and information via certified mail to Experian, XXXX, and XXXX. I disputed a collection from XXXX XXXX in the amount of XXXX that appeared on my credit reports. The dispute was based on the fact that Portfolio Recovery never proved debt validation and was in violation of the FDCPA, section 809 ( b ) So, I asked Experian, XXXX, and XXXX to investigate the matter and the results came back verified. Next, on XX/XX/2019 I exercised my rights under 611 ( a ( 6 ) B ( iii ) and requested Experian 's, XXXX XXXX, and XXXX XXXX  method of verification and it came back verified again. 

Experian, XXXX, and XXXX  failed to provide their method of verification for XXXX XXXX # XXXX as requested on XX/XX/2019, under FCRA guidelines. I believe this account should be deleted because Experian, XXXX, and XXXX  all failed to comply with the FCRA 611  ( a ) ( 6 ) B ( iii ) They did provide a single document bearing my signature, showing that I have a legally binding contractual agreement to pay XXXX XXXX the XXXX that was allegedly owed, neither did they provide specific names, addresses, or telephone numbers of persons contacted regarding this alleged account.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigaie my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against Tower Loan, XXXX, and XXXX due to improper and potentially illegal reporting practices related to my credit file. 

Background Information : Tower Loan sold my debt to a third party, yet they continue to report the account and late payments to my credit report. Under the Fair Credit Reporting Act ( FCRA ), it is my understanding that once a debt is sold, the original creditor no longer has the right to report activity related to that account. This practice is misleading, inaccurate, and detrimental to my creditworthiness. 

Additionally : XXXX has failed to ensure the accuracy of the information being reported, as required under the FCRA. Despite my disputes, XXXX continues to report outdated and erroneous account information without conducting a proper investigation. XXXX has similarly failed to investigate disputes and has reported inaccurate and outdated information about the same debt. 
Details of the Complaint : XXXX. Tower Loan : Sold my debt but continues to report late payments and account activity. Failed to notify me that my account information was being transferred or sold to another party. 
XXXX. XXXX : Failed to investigate disputes and verify the accuracy of Tower Loans reporting. Continued to report incorrect account details, including delinquent payments, after the debt was sold. 
XXXX. XXXX : Also failed to investigate disputes regarding this account. Reported inaccurate and outdated information after the debt was sold, in violation of FCRA requirements.
Product: Payday loan, title loan, personal loan, or advance loan

First, I was constantly harassed to buy products while obtaining the loan and then I asked what portion of the payments I make are actually going towards the loan. Because the interest rate seems outrageous and I have been paying for almost a year and feel as if the loan hardly decreased.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Recently checked my credit profile and i saw Multiple fraudulent accounts and fraudulent inquiries. Those fraudulent accounts are XXXX {$18000.00} XXXX XXXX {$780.00} XXXX XXXX {$59.00} XXXX XXXX XXXX XXXX {$570.00} XXXX XXXX {$5200.00} XXXX XXXX {$360.00} XXXX  XXXX {$1000.00} The following inquiries are fruaulent : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX 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 XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I Have reached out to the furnishers and they each told me to contact Experian, XXXX & XXXX. I have filed a FTC REPORT, AN IDENTITY THEFT REPORT AND A IDENTITY THEFT AFFIDAVIT!
Product: Debt collection

XXXX XXXX XXXX sent my debt to a collection attorney who filed for garnishment of the debts owed to the company. On XX/XX/2020 I received a letter stating the debts were satisfied ( paid ) in full but XXXX XXXX has not updated my credit reports nor removed the inaccuracies after multiple disputes.
Product: Credit reporting or other personal consumer reports

Following the XXXX data breach I signed up for an account with Equifax to freeze my credit. However, Equifax does not enable XXXX factor authentication to login to the Equifax account. That means that this company that " monitors '' my credit does not even have the basic XXXX factor authentication that almost every other financial institution employs. 

This is egregious. They have access to all manner of credit information but a simple username and password will log me into the site. Social media companies have more robust security and all they are protecting is memes and stupid videos.
Product: Money transfer, virtual currency, or money service

Im writing this because people will learn from my experience. I left my phone at a friend house. She sent herself money to send her bf & I contacted Zelle & they couldnt help
Product: Checking or savings account

A sibling of mine sent me XXXX $ for my rent from a VERIFIABLE bank. I was able to take out XXXX $ almost immediately and was unable to take out the remaining. After a couple days of not being to access my account, I went in the bank and was notified that my account is under review, but did not have any information back. 
The bank teller requested more information, 4 months later I hear nothing back. I go back to the branch and Im informed that my account has been closed and the money will not be returned to me. 

I still receive mail about my account balance. However have no access to it, even though it has Been closed
Product: Mortgage

We recently contacted Green light and Mortgage to refinance our current mortgage went through the options available to us we choice the option that best suited our needs. XXXX XXXX provided us with new loan document and contract and in the contract the follow disclosure was made and I quoteThe locked rate you were quoted, and our rate lock agreement is contingent upon you signing and returning required document within 5 BUSINESS DAYS of receipt. 

If we do not receive the required documents within 10 BUSINESS DAYS of receipt, we will be unable to proceed with your application and it will be cancelled. After this time, you will be required to re-apply and start over. 


We return the signed loan document and contract XXXX/XXXX/2015 through XXXX on XXXX day from the time we initially received them from XXXX XXXX and on the XXXX we sent declaration page and XXXX mortgage document 3 business days from the when we initially received them XXXX XXXX. I call XXXX XXXX and was informed our contract was cancel we did not meet the requirement s set forth ion XXXX page of the disclosure and were expected to pay more interest. 

We met the required obligation within the time frame specified in the disclosure page within the specified business days. In fact today would be the 10th business day of the agreement today. 

While I can understand policy and procedures we meet the requirements but then to be treated in condescending way from XXXX XXXX put me over the edge I am filing a complaint a against Greelight Mortgage with AZG, HUD, FTC. 

We meet the requirements set forth by Green Light Mortgage it is Green Light Mortgage that 's failed to honor their agreement with us
Product: Credit reporting or other personal consumer reports

I have addresses reported on my credit report that belong to another person with similar name and address as me : XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX Please remove this address as information attached and associated to another person with similar name and address as me is being reported on my credit report This address is the only address i need reported on my credit report : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX Account number XXXX the late payments reported as 30 days late on dates XXXX are from the result of fraud and unauthorized by me. This was already discussed and since XXXX is FDIC insured i am not responsible for the late payments. THESE LATE PAYMENTS BEING REPORTED ARE AN ADMINISTRATIVE ERROR ON THEIR PART AND AGREED TO REMOVE THEM. A COPY OF THAT XXXX FILE MAY BE PROVIDED IF LEGAL ACTION REQUIRES IT. CREDITOR HAS EVEN FAILED TO PROVE THAT THEY SENT OUT AN EARLY WARNING NOTICE AS REQUIRED BY THE FAIR CREDIT BILLING ACT. The FCBA requires creditors to send written notice to consumers at least 30 days before reporting a late payment to a credit bureau. ( THEY NEVER DID ) This creditor has provided no proof to the credit bureaus or myself or the CFPB that they have sent these notices and or even conducted a reasonable investigation. 


XXXX XXXX XXXX Account number XXXX ( unverified ) The creditor is stating i was late on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  days late. XX/XX/XXXX 30 days late, XX/XX/XXXX 30 days late, XX/XX/XXXX 60 days late, XX/XX/XXXX 60 days late, XX/XX/XXXX 30 days late. I was never late on this account he XXXX requires creditors to send written notice to consumers at least 30 days before reporting a late payment to a credit bureau. ( THEY NEVER DID ) This creditor has provided no proof to the credit bureaus or myself or the CFPB that they have sent these notices and or even conducted a reasonable investigation. THE CREDITOR ADMITTED OVER A RECORDED PHONE CALL THEY THIS POINT IS VALID AND THAT THESE LATE PAYMENTS BEING REPORTED ARE AN ADMINISTRATIVE ERROR ON THEIR PART AND AGREED TO REMOVE THEM. A COPY OF THAT XXXX FILE MAY BE PROVIDED IF LEGAL ACTION REQUIRES IT. CREDITOR HAS EVEN FAILED TO PROVE THAT THEY SENT OUT AN EARLY WARNING NOTICE AS REQUIRED BY THE FAIR CREDIT BILLING ACT. 



XXXX XXXX Account XXXX XXXX ( Unverified ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX unverified ) Account number XXXX
Product: Credit reporting or other personal consumer reports

1st I am stressed and displeased that I see there is a bankruptcy on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. My information was in a XXXXXXXX XXXX XXXXXXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and according to 15 U.S.C. 1681, you should be protecting my privacy and the accuracy of my report. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Please remove ASAP Upon speaking to the bankruptcy court, they do NOT furnisher people 's information to 3rd party so this is illegal, neglect and fraud. You all can get sued for these damages. This is negatively effecting my livelihood. I can't provide a good life for my children due to these falsified damages from the bankruptcies. I am upset!! You all are a secondary bureau that houses consumers information. I feel your database is inaccurate and I am filing ligation against this.
Product: Checking or savings account

Wells Fargo continues to be incredibly difficult to deal with at almost every turn. While there have been a few kind and helpful people along the way, too much time and energy and money has been required to do what seems like a few simple things. 

These things are -- getting online access, getting bank statements in order to do taxes, changing an address, and removing a deceased joint owner. 

No such trouble was encountered recently at another financial institution. Everything there went smoothly and quickly with no stress or burden. 

It's difficult enough losing a family member without this " insult on top of injury ''. 

This is our second complaint. 

Please help and make things right!
Product: Credit card

I am requesting the recordings Capital One holds of ALL conversations that took place between XX/XX/2016 to present. I 'm aware that all Capital One calls are recorded as stated by the Capital One employees, and I 'm requesting said calls due to the failed investigation and fraud that has taken place with Capital One. Please reference complaint submission, [ Case number : XXXX ]
Product: Vehicle loan or lease

XXXX XXXX  operating Manager XXXX XXXX and XXXX XXXX are receiving proceeds that are being disbursed by XXXX.THE FOLLOWING PARTICULARS APPLY COUNT I 1 XXXX XXXX XXXX XXXX (XX/XX/XXXX ) VEHICLE PROGRAM COVERAGE PRO RATED DUE TO TOTAL LOSS 2 XXXX XXXX XXXX XXXX ( NEW ) LIEN HOLDER FORD CREDIT.

I3. NFER TO BREACH OF CONTRACT TO BOTH COVERAGES BY XXXX XXXX.

WHRN RECIEVING SERVICES FOR TIRES THEY ONLY REPLACED ONE TIRE.HOWEVER BOTH TIRES EITHER FRONT OR BACK WERE REPLACED WITH ONE TIRE. XXXX XXXX  KEPT OTHER 3 TIRES.

COUNT II 4.TRANSMISSION WAS NEVER REPAIRED BY XXXX XXXX .

5.RECIEVE LETTER RELATING TO TRSNSMISSION MODULE BY FORD MOTOR .

6 FEDERAL COURT CASE PENDING FOR XXXX TO BE REFUND TO CUSTOMERS 7 XXXX PURCHASE CHRCK ONLY WERE TO BE ISSUED TO INDIVIDUALS OWNING XX/XX/XXXX XXXX XXXX HOWEVER BREACH OF CONTRACT INFERS TO upon performance incur failure to perform a discretionary function or duty to terms conditions of contract.

U.S.C. 1346 ( b ). Thus, both federal and State law may impose limitations on liability. The FTCA exempts, among other things, claims based upon the performance, or failure to perform a " discretionary function or duty. '' The FTCA also exempts a number of intentional torts.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous dispute regarding discrepancies and negative items on my credit report. Despite my previous efforts to rectify these inaccuracies, I am disappointed to see that they persist on my credit report. It is unacceptable that these erroneous items are tarnishing my creditworthiness and financial reputation.
Product: Debt collection

Mr. Cooper Mortgage, Loan Number XXXX We are in the process of a load modification and we were asked not to pay until we get a new bill with the refinanced amount as part of our agreement. The company has not been able to reflect this agreement in the system, and they called my husband 's place of employment 3 times the week of XX/XX/XXXX to collect on a balance that was not owed. I called Mr. Cooper on XXXX and XX/XX/11 and provided my phone number and advised not to call work. 
Mr Cooper called my hsuband 's place of employment again on XXXX and left a message on XXXX specifying the balance past due and sensitive information for my husband 's place of employment to hear on the main line on speaker. 
The recorded message where Mr. Cooper left a message clearly states that it was a business by the name of XXXX XXXX of XXXX that they were contacting and it was a general line. Mr Cooper proceeded to leave a message and at this point it is harassment and a very embarrassing position to be in. 
This is against FTC laws. Please help us with getting this terrible practice removed from this firms ways of working. 

Regards XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2021 at around XXXX, I went to Citibank online banking to check the balance of my personal checking account which I always monitor on a daily basis. Later in the afternoon at around XXXX, I went online again and saw that my personal checking account says, " BLOCKED ''. I immediately called Customer Service but did not give me any details. I drove to the nearest Citibank Branch to find out what's going on but no details appear on my account. I called Customer Service again and was transferred to the Fraud Department which in turn did not disclose the details why they blocked my account. I was merely told that the account was referred for closure and that a check will be sent to the address on file after 60 days. This is very disappointing that I can not withdraw my funds especially when it happens to be during the holidays. I have been calling numerous times to the Fraud Division but after verification of my identity, they do not disclose the details except telling me a check will be mailed after 60 days. I confirm and attest that this account do not have any fraudulent activity. This was a newly opened personal account on XX/XX/2021. I opened this new personal checking account after my joint checking account with my sister was compromised with unauthorized ACH transactions. They blocked it and we opened another joint account in XX/XX/2021 because they were going to close the old account which I've had for more than 20 years. A month later, the newly opened joint account was compromised with forged checks so it was blocked again for fraud investigation. About this time so I can proceed with issuing checks and paying my bills, and direct deposits, I opened a new personal checking account. In the course of signing an attestation re my other joint account, my joint account went back to active and Citibank released the block. However a month later, Citibank blocked my newly personal checking account for no reason. It's been 9 days, with daily follow-up and numerous calls. I am not given any reason. There has been no fraud reported in my personal account and I don't understand why. I am worried because I've been reading similar complaints without getting their funds back. It has been a very frustrating holiday. Please help me.
Product: Mortgage

Hello We have been in our home for over 25 years and our mortgage have been sold from Mr Cooper to Rushmore maybe twice approximately three years ago we were informed that one year our mortgage went out homeowners insurance without us being informed. Several years our mortgage was approximately $ XXXX {$900.00} + monthly, after this, we have been struggling to get out of this awful hole and our mortgage have climbed to {$1900.00} + I am currently on XXXX and my husband is on Social Security XXXX As of XXXX  we have been informed that our mortgage now will be {$3300.00} which is more than, both of our income combined. We have requested history of this incident where our mortgage with without insurance for an entire year, which is at no fault of hours. The mortgage company have a responsibility to make sure that there is insurance on the account and paid to the escrow and because they did not we are now being held XXXX  in our home, we have not missed a payment and we have not been late in the last 20 years on our mortgage. This is unacceptable and we have requested an audit for the last 10 years of our mortgage. We also have requested a history outline of statements and payments and we will like a repair and interest rate adjustment. We can not afford this amount. We refused to pay this amount we want justice. We want our mortgage back to the reasonable amount that can be paid. The mortgage company has responsibility and they have failed us as homeowners. 
Thank you for your assistance in this matter. 


Thank you grandma XXXX and XXXX XXXX Company Rushmore- $ XXXX {$3300.00} XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I earnestly request the removal of this entry from my credit report as it is not mine and appears to be fraudulent.
Product: Vehicle loan or lease

Bank funded more than the car loan was supposed to be : XX/XX/XXXX - purchased a car from a local dealer using a USAA loan - Dealer sent correct purchase information to USAA for the balance due of {$22000.00} XX/XX/XXXX - Loan shows up on my USAA account for {$5000.00} more : {$27000.00} - USAA admits the dealer sent over the correct amount and that the error was on USAA 's side - The only option USAA is giving me is to : a. Take out a new loan with USAA for the correct amount, which they will use to pay down the original incorrect loan ( yes, a new loan application and everything that goes with that, including reporting it to the credit companies ) b. USAA will then ask the dealer to refund the {$5000.00} sent in error c. Once the dealer refunds the money, USAA will pay off the remainder of the original loan USAA is insisting that I have no other option. They said they will let the credit agencies know what happened, but that doesn't chance the issue with a loan in my name that I did not authorize. 

Do I have any recourse to get them to correct the loan without leaving the extra {$5000.00} loan in my name pending the dealer 's refund?
Product: Prepaid card

I have an American Express digital gift card that was given to me through email and added to my digital XXXX XXXX. I have not been able to use it anywhere because I do not have an Expiration date or CVV code. Please help really need the money to pay bills. 
Thank you XXXX XXXX
Product: Debt collection

synchrony bank tried to collect on behalf of sam 's club on my account. we never received a bill because we found out later that they sent the bill to the wrong address somewhere XXXX miles away. 
they would not let me have the address corrected because they said i was not on the account. i have my sam 's club picture id. when i went to sam 's to pay the bill they would not let me for the same reason, i was not on the account. i have tried everything and had my wife call and the info is still wrong. enough is enough, i do not want to shop at sam 's club or walmart because they cant even get an address right. i have been a member since the late 80 's and now its all messed up. so much for my repeat business