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

This was not sent an error ; I am a consumer by law and my information was misused and now I have some false information that is not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. I have sent dispute letters to the credit bureaus. However, they failed to follow proper cause.
Product: Credit reporting or other personal consumer reports

I am submitting this follow up complaint myself, and to inform you that I was a victim of an Identity Theft. The fact is, I am disputing again the fraudulent items on my credit file. For some reason, I realized that the three credit bureaus failed to fixed it and I do not believe that these items belongs to me. I have enclosed nor attached my documents in my letter. 
I understand that it is your responsibility, as per the Fair Credit Reporting Act, to conduct a thorough investigation within 30 days and to inform me of the results. I respectfully request your prompt attention to this matter and a timely resolution. I also request an updated copy of my credit report reflecting the corrected information. These items should be deleted as a confirm of derogatory nor negative in my credit file. Kindly help me delete these following items 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 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 XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2015 XXXX XXXX XXXX ( Account ) # XXXX appeared on my equifax credit report with a balance of {$870.00} ( I am disputing this item ) Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law.  You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? 
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in  this matter to enforce my rights under the FCRA
Product: Credit reporting or other personal consumer reports

This letter is to inform you that I received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate and/or not belonging to me. The accounts in question are attached on a separate page. 
Please send me a copy of the documents that you have in your file as of the date of this request, that you used to verify the accuracy of the accounts that are attached. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681, I have the right to demand that you disclose to me all the documents that you have on record and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Send me copies of the documents that you have and Please do not respond to my request by simply saying that the accounts have been verified or updated, but please send me the documentation that you used to verify that accounts in question. If you are unable to provide the requested documentation and/or do not have the documentation in your files as of the date on this letter then DELETE THEM IMMEDIATELY as required under Section 611 { a } { 5 } { A } { i }. By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and damaging my creditworthiness.

Under the FCRA are U.S.C 1681i, all unverified accounts MUST BE PROMPTLY DELETED. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of these inquiries from my credit report. Please provide me with an updated credit report showing items removed. 


Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account NameXXXX XXXX Date XXXX Account Number XXXX Reason for dispute__IDENTITY THEFT Account Amount XXXX Account Name XXXX Date XXXX Account Number XXXX Reason for dispute IDENTITY THEFT_________________ Account Amount XXXX Account Name XXXX XXXX Date XXXX Account XXXX Reason for dispute__IDENTITY XXXX Account Amount XXXX Account Name XXXX XXXX________ Date XXXX Account XXXX Reason for dispute__IDENTITY XXXX Account XXXX Account Name XXXX_________________ Date XXXX Account XXXX Reason for dispute__IDENTITY XXXX Account XXXX
Product: Money transfer, virtual currency, or money service

I was in a desperate situation and had someone lend me {$100.00} for me and my son who is XXXX XXXX XXXX now. Either Cash app or a scammer took my money out my account and I was upset. I went to XXXX to search for a customer service number because I needed to speak to someone, there where no chat agents at the time and they had someone with an accent answer the phone and he didn't sound like he was in nay kind of place of business but I asked him how could I get my money back and was he sure he was with cash app customer service and he assured me he was but he also said that in order for me to get my money back, I would have to send cash app or him the {$100.00} in order to get my {$100.00} which I didn't have in the first place bad had to borrow from my friend. This was a devastating time for me and my child and they literally would not give me my money back unless I paid them {$100.00}. I didn't have it, so I never got my money back and I just had to suck it up and take it as a loss. Which now I see other people have had the same issue and it's hard because this was very painful to bare, due to me and my child being XXXX and in need. We suffered for a while going to different churches and asking people for food which was embarrassing. But I had to feed me and my child. I wish we could just get back what we're owed as well. I know Time has passed by but it's worth the complaint. They shouldn't be able to do people like this. They literally even allow people to take money out your account even when your card is locked nowadays and takes forever to get approved on your grievance or complaint for refund.
Product: Debt collection

I have been calling them to provide my medical cards, but I don't know what's happening. Every time I contact them, I supply the information that they need.
Product: Mortgage

I owned XXXX % of a property with XXXX and XXXX XXXX, located at XXXX XXXX XXXX, XXXX, Texas. In XXXX 2015, I obtained financing and paid off the Ditech mortgage and became full owner of the property. Prior to closing Ditech informed XXXX XXXX that they did not collect enough money from the existing impound account to cover the property taxes which resulted in a {$2500.00} shortfall. Ditech demanded the {$2500.00} tax shortage be paid through escrow prior to closing the loan. I spoke with Ditech Customer Service Supervisors and I was told there was an existing impound account and if I paid the tax shortage through escrow ALL the taxes would be paid directly by Ditech to the State of Texas. Upon receiving this information from Ditech, I proceeded in good faith and paid the tax shortage and the Ditech loan was paid off. Currently, Ditech is refusing to pay the taxes they have already collected and instead, are sending the full tax payment to my partners as a tax refund! Clearly, this is a violation of my consumer rights. The taxes were collected through the impound account, I paid an additional {$2500.00} for property taxes. XXXX XXXX is holding an additional {$6400.00} in an escrow account because the Property taxes have not been paid! If Ditech does not pay the property taxes, Ditech has deliberately misinformed me and collected funds based on false statements made to me.
Product: Credit reporting or other personal consumer reports

My home loan was sold from XXXX XXXX to Flag Star financial in XX/XX/XXXX, I was not even notified. it was then reported that my loan was 30 days behind but it was not. I showed proof that I was not behind with XXXX XXXX but it seems as no company would listen. I kept contacting both companies and couldn't get any help. My credit profile kept saying that I was XXXX then XXXX, then XXXX etc ... days behind. Also my Federal VA loan fell under the protection of a moratorium even If i could not pay and should not have been reported on my credit profile as delinquent. Here 's the proof of that moratorium protection. 
XXXX XXXX XXXX XXXXhis moratorium was extended to XX/XX/XXXX I would like those late payments removed from my credit profile. staring from XX/XX/XXXX to XX/XX/XXXX.
Product: Debt collection

They are trying to collect a debt that is my mother not mine. 

I have called them since XXXX to supply me the details for the debt and every month they state that they did n't get a response from the person they are collecting. 

The debt is co-payment for my mother drugs from a XXXX XXXX that missed billed her and I told them that they missed billed. 

I have the invoices that they are trying to collect it is clearly for my mother and nothing to do with me. I think if they ca n't show how this debt is mine after 60 days then they should know they are in the wrong. 

The woman from the collector told me that they do n't care and it is my debt.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal credit Union Regarding multiple overdraft fees, I have incurred. Despite having insufficient funds When transactions were being authorized I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB Finding against Navy Federal for similar practices, where transactions Settle with insufficient balances Despite initially available funds. I believe these practices are unfair, and I request an investigation Into my account transactions.
Product: Money transfer, virtual currency, or money service

I called on XX/XX/XXXX saying that my work had sent a direct deposit with the wrong deposit numbers. After 45 mins and talking to an acxount supervisor ( XXXX? ) that said she " spoke to the ach department and was told that I had to wait until Tuesday XX/XX/XXXX for my money to be available. '' While on the phone with customer service got laughed at 2 times .... supervisor was fine tho ... 

Called on XX/XX/XXXX speaking to a guy who put me on hold for an hour saying he was waiting in que to " talk to an account supervisor '' never got to one and confirmed the money sent to an inactive account .... 

XX/XX/XXXX called and was talked over the entire time. Asked to be transfered to a supervisor. Got transfered to a " supervisor '' named XXXX. XXXX put me on hold for 3 mins saying " let me call the ach team '' she came back and said you will just have to wait till end of buisness today and it probably wont go to my account and will just reject. After saying this makes no sense and why did you wait to tell me 5 days later .... what they are saying. The admitted the ACH team isnt even taking calls yet are not open ... .. then who was everyone wasting my time " talking '' too? 

It seems as tho this is a case of no supervisors and just customer service reps who dont care who trasfer you around to other customer service reps that also know nothing? 

This is disgusting from a customer service stand point and from a banking standpoint. This check is only XXXX ... ..my sons birthday is in 3 days and now im struggling with presents. Banks just dont care at all.
Product: Mortgage

I sent letters via certified mail to New American Funding on XX/XX/XXXX, XX/XX/XXXX and on XX/XX/XXXX requesting the following information : advise who is the Promissory Note Holder in Due Course for Loan # XXXX 
please arrange an appropriate point of inspection for the Promissory note, in XXXX, XXXX XXXX, Georgia Please allow me to inspect the original promissory note ( A COPY, STATEMENT LEDGER, AN AFFIDAVIT OF LOSS OR ANY OTHER FORMS WILL NOT BE ACCEPTABLE ) with my original wet ink signature, as required by law, for Loan # XXXX  per USC Title 18, Part1, Chapter 101 Section 2071.

proof that New American Funding is an actual creditor according to Generally Accepted Accounting Principles along with the GAAP book entry debit evidence of the alleged loan transaction ( a creditor needs to show true double-entry accounting debits of the loss as a result of the issuance of a loan to a BORROWER ).

proof ( copy of the canceled check, bank receipt, or wire transfer transmission number ) for the loan that was allegedly paid to " BORROWER '' on XX/XX/XXXX advise where the funds for the loan originated AND to what account was this alleged loan transferred or deposited, to which BORROWER would have been given access to stated funds. 

I requested New American Funding to provide the requested information point-for-point within 21 days of receipt of each letter. They were advised that failure to respond to the letter with ALL the requested information, point-for-point will be taken as an administrative default as per the Administrative Procedures Act of XXXX. 

The response I received from XXXX was a copy of a promissory note, a copy of a security agreement, and a printout of the transaction history of the account but NOT the information I requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. I sent letters to Transunion Credit Bureau last XX/XX/XXXX, And now we are in the month of XX/XX/XXXX and have not received any response from them. That means Transunion 's failure to respond will result in the complete deletion of all items on the reports. Credit Bureau failed to comply with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  Balance {$13000.00} Opened Date XX/XX/XXXX XXXX XXXX Balance {$710.00} Opened Date XX/XX/XXXX XXXX XXXX  XXXX Balance {$10000.00} Opened Date XX/XX/XXXX XXXX Balance {$440.00} Opened Date XX/XX/XXXX, XXXX
Product: Credit reporting or other personal consumer reports

accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section
2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

There have been numerous attempt ( XXXX ) to initiate more debt upon my report ( XXXX ) and record ( XXXX ) when I have worked hard to fix my credit. 
Such action ( XXXX ) and practice ( XXXX ) against me are unlawful, illegal and unfair/deceptive trade tactics in the highest form of discrimination.
Product: Mortgage

Unfavorable response from my Mortgage Lender ; reported late payments on my credit report while on a temporary mortgage plan for three months due to layoff from a job. I was reported late five ( 5 ) times XXXX90 days late, XXXX60 days late and XXXX30 days late. 
Wells Fargo indicated that their assistance mainly was for me to avoid foreclosure on my house. But for me was seeking temporary assistance while I was on a job search.
Product: Mortgage

7 years ago I started re-fi with my mortgage company. 5 years later and XXXX refinances that they constantly squelched, they sold my loan to another bank when we were at the end of the XXXX modification and it was a paper away from being finalized. The new bank than attached an additional {$84000.00} to my loan. XXXX offered me 2 % for 30 years, XXXX bank 2 % for 5 years. Totally XXXX on this one. Of course during the 5 years XXXX XXXX would not let me make a payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chapter XXXX BankruptcyXX/XX/XXXXI never filed for bankruptcy I have disputed this information with : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX. XX/XX/XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX, PA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX has violated my rights. Or a list of Inquiries : XXXX XXXX XXXX XXXX 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 or 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.
Product: Credit reporting or other personal consumer reports

Full Name : XXXX XXXX Date Of Birth XXXX Social - XXXX This CFPB complaint has been filed to request, pursuant to FC

RA 605B ( 15 U.S.C. 1681c-2 ), that the Experian block information appearing on my consumer credit report that is the result of identity theft and fraud. Within 4 business days of your receiving this request, block the fraudulent, inaccurate, and false information, which c
onsists of a personal loan opened at XXXX XXXX on XX/XX/year>, under the account number XXXX. 

In addition, block information regarding a fraudulent personal loan account opened at XXXX XXXX on XXXX account number XXXX. 

The unauthorized accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that all 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 under the FCRA and FDCPA laws. 

For additional evidence of fraud, I can provide a copy of the FTC Identity Theft Report, a police report related to this case, and proof of my identity. All communications and responses regarding this CFPB complaint are to be sent to me via email at XXXX XXXX
Product: Debt collection

A few months ago I realized I was the victim of Identity Theft and some credit accounts were opened in my name unlawfully and charges were made unknowingly to me. I discovered the theft from viewing my credit reports from all XXXX bureaus. I froze all of my credit files, completed an ID Theft Affidavit with the FTC, obtained a police report from my city, sent Affidavits of denial and ID Theft to all creditors and collection agencirs that contacted me trying to obtain money from this clearly fraudulent account. These collection agencies continue to try and collect from me and not remove these items from my credit reports. The collection company is XXXX XXXX XXXX for Capital One Bank Card with a balance of {$400.00}. I have semt numerous notifications to these companies that this is identity theft yet they continue to show on my credit reports despite me being the victim of the crime.
Product: Debt collection

While in possession of the vehicle, I did hit an animal which totaled the vehicle out completely. The vehicle was then paid off by my insurance company with a {$500.00} balance left. ( My deductible fee ) I do not understand why the company is representing this as a repossession when it was not and never was even in repossession status.
Product: Credit reporting or other personal consumer reports

I recently pulled my credit report and found that I have inaccurate information on my report. XXXX is Reporting 5 late payments from my XXXX XXXX XXXX XXXX XXXX The late payments are as follow XX/XX/2023, XXXX is reporting as 60 days late while transunion and XXXX are reporting as 30 days late. XXXX XXXX 90 days late, 60 days late at transunion and XXXX. 120 days late, while transunion and XXXX is 90 days late. Etc I understand 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. XXXX is violating my rights and for this reason I would like all late payments removed from my report for this account
Product: Credit card or prepaid card

On XX/XX/XXXX of 2019 a transaction was made using an American Express serve card to make an online XXXX transaction I filed a cfpb complaint on XXXX and American Express serve customer care both 334 months later which was passed the deadline for American Express to dispute it they told me that I needed to contact XXXX XXXX responded to the cfpb complaint saying they are the an improper company and that they can not reimburse me for a transaction paid for through XXXX with an American Express card somebody's got to reimburse me I don't know who but somebody's got to reimburse me. Refer to cfpb case number XXXX complaint on XXXX and Amex serve. The serve statement for XX/XX/2019 shows a fraudulent charge of XXXX paid to a XXXX XXXX. Transaction Id number XXXX. I want require full reimbursement check mailed to me. At XXXX XXXX. XXXX XXXX in XXXX XXXX, Wisconsin XXXX