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

BY NATURE OF PREVIOUS CFPB REPORT XXXX, XXXX XXXX Fl AND OTHER VENDORS INQUIRED ON MY CREDIT WITHOUT AUTHORIZATION. YOU HAVE COMPLAINTS TO THIS EFFECT. YOU SENT MY COMPLAINT TO THE FTC. By nature of their own admission and statement not even with a lockout can this Credit Reporting agency stop these inquiries yet they continue to lower my score! I consider this intentional fraud since they inhibit my ability to secure funding due to lower credit scores. Also their third party they feed information to are also even more incorrect then they! PS I never use XXXX XXXX as a XXXX Creditor! Attempts to remove from on line and dispute incapable! They do not allow.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX has incorrectly reported on my all 3 bureaus that i was late XX/XX/XXXX, and XX/XX/XXXX both 30 days. I have tried to work with this company on getting this resolved and have tried disputing these multiple times with the bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

I was laid off during the pandemic. Late payments were Not suppose to be reported during this time companies were suppose to offer forms of relief l. However certain companies such as first access stated you needed to be 90 days late before the could offer relief and then went and reported those 90 days late. When I was a victim of unauthorized credit card usage and and fraudulent charges the companies still allow these charges even after I gave them the police report and statements from XXXX confirming that my account was being used in Colorado.. I live in California. The companies offered no form of relief and just continuously harassed for payments and balance due when it was proven the charges were not authorized and caused by online purchases through and XXXX hack. So for Experian, XXXX XXXX and XXXX to report this that would now deem this a case of defamation of character by color of law.. it is deceiving this needs to be corrected and I have gone over and beyond through their dispute process and tried calling but no one gets through the number listed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent several disputes regarding this accountXXXX XXXX XXXX XXXX XXXX, and they did not recognize or fix any of my disputes I've sent off. Congress gives laws to ensure fairness and accuracy of reports being made. Under 15 usc 1681, any person can not furnish information knowingly inaccurate to a report. Also, I must give written consent to do so. I never recieved any validating documentation of this account when requested and been well over 30 days of waiting, which is pursuant to 12 CFR 1006.34. They never sent how the constructed an investigation as I asked. My report must be contain 100 accuracy at all times, which they are clearly in violation of federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending information to verify myself with my disputes, including their internal file number, Experian has sent a refusal to investigate my credit file claiming a Suspicious Request. XXXX and XXXX have started investigations based on the exact same request. Additionally, Experians delays add up to more than 30 days which violates FCRA rules. Please investigate this pattern of gross violations of my rights. 
The items in question are as follows : ACCOUNTS ACCEPTANCE NOW XXXX never late XXXX XXXX XXXX XXXX XXXX never late DEPT OF ED/XXXX XXXX XXXX never late DEPT OF ED/XXXX XXXX XXXX never late XXXX XXXX XXXX XXXX never late US DEPT OF ED/XXXX XXXX not mine US DEPT OF ED/XXXX XXXX not mine XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!! These accounts should not be furnished on my consumer reports as they are in VIOLATION under, 15 U.S. Code 1681b -Permissible purposes of consumer reports ( a ) IN GENERAL. Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the WRITTEN INSTRUCTION consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTIY THEFT. As a consumer Im demanding the deletion of the accounts listed IMMEDIATELY! XXXX XXXX {$230.00} and NCA {$520.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Experian consistently responds within 24 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 Under the Fair Credit Reporting Act ( FCRA ), Section 16810 of Title 15 of the U.S. Code outlines the procedures and penalties related to willful noncompliance by credit reporting agencies.

In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate these discrepancies and provide a resolution within the required 30-day period. Please also provide me with a copy of any documents or evidence used to validate the information, if applicable.

Please note that under Section 16810 of the FCRA, failure to correct or delete inaccurate information after your investigation could result in penalties for willful noncompliance.

I request that the disputed information be corrected or removed from my credit report at your earliest convenience.

Kindly notify me of your findings in writing and provide an updated copy of my credit report upon completion of your investigation. 
Thank you for your prompt attention to this matter.
Product: Checking or savings account

On XX/XX/2023 I was the victim of an Internet Fraud Scam. I believed that the people I was dealing with were from Chase Bank and XXXX. They informed me that my financial information had been compromised and that people involved in XXXX XXXXXXXX and gambling had already taken thousands of dollars from my accounts. They told me that the only way to handle this was to get encrypted accounts and that they would help me complete that. The scammers told me that the people who had taken my money were from Chase and therefore I needed to follow their instructions. I then wired {$38000.00} to to a person named XXXXXXXX XXXX at XXXX XXXX XXXXXXXX in XXXX, CA. When I got home, I realized that I had been the victim of a scam and I called the police. XXXXwo police officers came to my home. The police report that was sent to me Indicates that I am the victim of " PL 155 Larceny ; Larceny Petit by False Promise and PL 155.3501 Grand Larceny 3rd Degree, 23H Felony. '' On XX/XX/2023, a detective from the XXXX precinct in XXXX, NY called me to tell me that he was able to contact law enforcement in XXXX, CA and that the recipient 's account was able to be frozen, except for {$10.00}. Thus, {$37000.00} was on hold and did not get sent. He told me to work with Chase to get my money back. Since that date I have been working with Chase to resolve this. I was told by the Wire Department at Chase that if I got a Hold Harmless Letter from Claims at Chase, the money could be sent back to me. Claims at Chase is refusing to do the Hold Harmless Letter because they say I initiated the wire transfer. I contacted Complaint Escalation at Chase but with no success in getting Claims to submit the Hold Harmless Letter. I have tried to explain to Complaint Escalation and Claims that I am the Victim of a Crime, that my money is waiting for me, and all that is needed is this letter allowing XXXX XXXX XXXXXXXX to release the funds.
Product: Vehicle loan or lease

I was approved for a loan and after reading my contact thoroughly the credit score is incorrect the score is XXXX and my credit score is well in the mid and hight XXXX I talked to the specialist on the loan and asked why the interest rate was so high we didn't consider looking at the score
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Transunion wont remove the fraudulent items off my report
Product: Credit reporting, credit repair services, or other personal consumer reports

The following hard inquiries listed below were not authorized by me and were observed on my credit report on XX/XX/2019. I am requesting for the hard inquiries to be deleted from my credit file. XXXX and XXXX was also informed and have deleted these unauthorized and fraudulent inquiries. My information was possibly used to try and obtain good. 1 ) XXXX XXXX XXXX XX/XX/2019, 2 ) XXXX XXXX XXXX XXXX XX/XX/XXXX9 and XXXX XXXX XXXX- XX/XX/2019.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is many fraudulent accounts on my credit reporting that I have never had or authorized.I believe to be a victim of identity theft and I am in the process of purchasing a home and this has caused me alot of trouble. Please help me. The accounts are showing as XXXX XXXX, XXXX XXXXXXXX  and XXXX  XXXX XXXX.
Product: Debt collection

To Whom It May Concern, I am writing to formally dispute an inaccurate and improperly reported collection account on my credit report. This collection account, reported by Eastern Account System on behalf of XXXX, is not valid and violates my rights under the Fair Credit Reporting Act ( FCRA ). 

Here are the facts : I closed my XXXX account in person and paid the final bill of {$43.00} on XX/XX/XXXX. 

The payment was processed via XXXX XXXX ( card ending in XXXX ), and my account was confirmed as settled. 

On XX/XX/XXXX, I received a notification from XXXX XXXX showing a collection entry for {$120.00}, which I was never notified of. 

I was on paperless billing and autopay. After closing the account, my XXXX online account was deactivated, and no bills or balances were made available. 

I never received any communication about this balance from Eastern Account System. A representative confirmed only XXXX letter was ever sent, which I never received. 

Furthermore, a XXXX representative named XXXX admitted on XX/XX/XXXX, that the charge was made in error and stated it was waived. However, she refused to remove the collection entry despite the fact that XXXX acknowledged the mistake and I was never notified. 

Please find enclosed : A copy of my final XXXX payment confirmation. 

A written explanation of the error. 

A copy of my formal dispute to XXXX and Eastern Account System. 

This collection entry is invalid and should be removed immediately under FCRA guidelines. 

Thank you for your prompt attention to this matter. I request written confirmation once this entry has been deleted. 

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

This is XXXX XXXX who is submitting this CFPB complaint myself.This item is reporting late, yet it is closed and the balance is zero. Lets correct this immediately. I sent letters to Equifax XXXX XXXX, the date of the last letter was on XX/XX/2021, and I have not received any response up to this date. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Equifax is required to verify for themselves, but they failed to neither verify nor update me about this complaint Please delete the account : ( XXXX XXXX XXXX )
Product: Debt collection

I have an account with XXXX XXXX during the time after I would make arrangements I would still get calls from someone else that had no idea what the arrangements were this continued or they would change the amount I would pay and my account would default. I assume that they had so many people handling a lot of accounts and really did not know who was in charge in one week I have 7 different representatives contact me with 7 different terms and one rep did not know what the other rep was doing which is really sad. So I finally got one person this I thought well I signed a contract where my debt was {$1500.00} less and we settled for {$4500.00} with payments of {$180.00} per month. I did not hear from them after this so I thought this was the end of that well. I did not sign something and had to redo the contract so hopefully the {$180.00} would come out. Well that did not happen and I ended up being contacted by I.C. Systems Inc saying I owe {$5900.00}
Product: Money transfer, virtual currency, or money service

This complaint is about Coinbase. 
At around 9k, I got locked out of my account with no real explanation as to why that is. When I contacted coinbase support They made me submit several documents and identification. To no avail, I contacted them again and this time I had no answer from a human being only get a answer from the operator. I still don't have access to my funds, they never really explained to me how it is the my account got randomly locked, and now I have no response from the support team.
Product: Checking or savings account

Dates between XXXX WellsFargo mishandled my personal information and over charged over draft fees! Im due a payout! Provide my birthday XX/XX/year> Last XXXX of social security number XXXX to look up my account
Product: Mortgage

On XX/XX/2022, XXXX XXXX  transferred servicing of my mortgage to Mr. Cooper. I was told I was going to receive a welcome package in XXXX  days. As of this writing, I did not receive a welcome package in the mail. I tried to register on XXXX, and they have no record of my loan being transferred from XXXX XXXX. Here is what they said : " Welcome! We didn't find that loan information in our system. If you received a letter or email about your loan being transferred to Mr. Cooper, this probably just means we're still working on entering all your loan data into our system. 

Typically, it takes up to XXXX days from your official transfer date for all your data to be entered. Please visit this page again soon to look up your loan and view its details. 

For more information, you can browse the FAQ at the bottom of this page for answers to common transfer questions. '' I tried to call ( using my SSN ) on XX/XX/2022, and they have no record of my loan. I can't seem to get in touch to make the payments. 

XXXX XXXX # XXXX
Product: Debt collection

Good Afternoon, You may understand my shock and confusion when I saw my FICO score drop from XXXX to XXXX in one day. 

I did some research with XXXX, and found that a serious delinquency was reported on my credit history. I did further research and discovered that Shellpoint Mortgage Servicing had placed the delinquency on my credit report due to a mortgage that was not being paid. 

I was then really confused because I have not been the owner of property in question for over a decade and the mortgage associated with the property was discharged through bankruptcy in XXXX. 

On XX/XX/XXXX, I took out a mortgage of {$190000.00} with XXXX XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, CA XXXX On XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX then assumed my mortgage. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX On XX/XX/XXXX, my wife and I were granted a Final Judgement For Divorce. I was left in financial ruin. 

I filed for XXXX XXXX bankruptcy on XX/XX/XXXX. At the time, the property at XXXX XXXX XXXX XXXX XXXX NJ was under water and had no financial value, i.e., the market value of the property was less than the value of the outstanding loans. 
During the course of the bankruptcy, I indicated that it was my intention to abandon the property at XXXX XXXX XXXX and did so. The XXXX  XXXX bankruptcy was granted on XX/XX/XXXX. The mortgage on XXXX XXXX XXXX was included in the bankruptcy filing. 

New Jersey Federal Court XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Case No. : XXXX Filed : XX/XX/XXXX Granted : XX/XX/XXXX It is against the federal Fair Credit Reporting Act to report accounts discharged through bankruptcy to credit reporting bureaus and companies that do so are libel for penalties. 
After the bankruptcy in XXXX, I had not heard in regard to the mortgage on XXXX XXXX XXXX until a few weeks ago when Shellpoint placed a serious delinquency on my credit report. After my divorce I signed XXXX XXXX XXXX over to my Ex-wife under the conditions that she kept up to date with all the mortgage payments. 

Her contact information is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX ( XXXX ) XXXX This is the only information that I have for her. We have not kept in contact since the divorce. 

I have no idea how Shellpoint came to acquire this mortgage and I have to question what sort of due diligence the company performed in choosing to acquire it. A simple XXXX search would show that I am not the owner of XXXX XXXX XXXX and a review of my credit report would show that my credit history is very good with no outstanding mortgage or delinquencies present. 

The actions of Shellpoint have caused me and my family great financial harm as well as the lost sleep and stress. 

I hereby request that this delinquency be removed from my credit reports as soon as possible before any more harm is done and ensure that it is not repeated. I will attached documents that I hope assist you. 

I look forward to collaborating with you and resolving this matter soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX  has a Chapter XXXX bankruptcy on my report which they both say was verified thru they 3 party vendor XXXX who they claimed they certified it was accurate. I would like to exercise my rights to see that certification because i contacted XXXX and the told me its no bankruptcy for me in there data base ... On XX/XX/XXXX experian send me a email stating that it was verified and the item remains unchanged fr4om there processing of XX/XX/2020 dispute I respectfully ask that you investigate they actions and have them to contact XXXX and show proof that they contacted XXXX instead of them doing there own internal investigation without contacting XXXX. I submitted a new reinvestigation on XX/XX/XXXX with experian. Its been over 30 days and i have yet to receive a responds from XXXX
Product: Credit reporting or other personal consumer reports

This letter is my formal written request for you to investigate the following " Unverified '' accounts listed below : According to the Fair Credit Reporting Act, 15 U.S.C. 1681 your company is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report to assure maximum accuracy. Without proper verification by your company, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 



I demand to see a copy of the Verifiable Proof ( an original Consumer Contract with my Signature on it ) that you used to verify that the account belonged to me the first time you reported the account on my credit report. Your failure to properly verify these accounts has hurt my ability to obtain credit. Under the FCRA 15 U.S.C. 1681, unverified accounts must be promptly deleted. If you are unable to provide me with a copy of the verifiable proof that you have on file within XXXX  days for each of the accounts listed below, then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these items removed. 



I demand the following accounts be verified or removed Immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, 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 Fraud Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

On XX/XX/2020, I spoke with a loan officer from Amerisave. I was seeking a cash out refinance on a rental property. ( technically this was a delayed finance as the property had been purchased for cash in XX/XX/2020 ). I was quoted a rate of 3.375 %, with discount points paid of {$2300.00}. Happy with the quote, I paid a {$500.00} application fee, and began submitting all of the documentation required. I coordinated with my tenants in order to allow Amerisave 's appraiser entry to the premises. Most importantly, I canceled other loan applications I had been working on with other lenders. 

After more than 7 weeks of working with Amerisave on this loan, I received a call from my loan officer. According to him, he had misclassified my loan as a refinance instead of a cash out refinance. He therefore could not honor the rate he had advertised to me ; instead he offered me a rate of 4.875 %, nearly 50 % higher than the rate that he had advertised. I refused this rate. 

Amerisave did immediately refund my application fee when I refused the higher rate. But that was not the only cost I incurred. I wasted an enormous amount of time waiting for a loan that never happened, and because of Amerisave 's original quoted offer, I canceled on lenders who had been offering rates in the 3.5 % range at the time.

I also consider it possible that Amerisave intentionally quoted a rate that it never intended to honor as a bait-and-switch tactic.
Product: Checking or savings account

On XX/XX/2023 my debit card was used in Ohio to purchase {$600.00} worth of carpet. I live in XXXX  XXXX, where I made a purchase earlier that day. Key Bank did NOTHING to protect this fraud from happening, and instead my account was over drafted by {$300.00} ( I had {$300.00} in the account ). 

I called Key Bank immediately to report the fraud, and they claim that they are investigating and it could take up to 90 days to get my money back. They also take 7-10 business days for a new debit card. 

This isn't the first time I've been a victim of fraud, this is the fifth time in 2 years that this has happened to me.