23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have submitted over XXXX applications for loan modification through Chase bank who was the service provider for a XXXX mortgage on my home. To date, I have participated in XXXX trial modification programs, of which I preformed flawlessly, with the understanding that at the end of the trial there would be some attempt to negotiate the excessive late payment fees, attorney fees, compounded interest and other fees. 
One specific problem that I can not seem to resolve is the fraudulent inflated value Chase bank has placed on my home and mislead XXXX as to the strength of their position. I believe this has a bearing on whether XXXX chooses to negotiate with me equitably or to foreclose. I have provided, on numerous occasions, evidence to my assertion that the value Chase placed on my home is indeed inflated and fraudulent. In having XXXX separate appraisals preformed on my home, the value came in at almost XXXX the inflated value Chase bank has maintained. As an XXXX I am aware of best practices, of which the gold standard would be comparisons that would back up any appraisal. Chase has refused to provide me with the exact comparisons they maintain they are in possession of and that are the baseline for their inflated, fraudulent appraised value. I have asked for, and offered to pay for, Chase to commission an independent appraisal through their local pool of appraisers to establish my claim ; they refused. 
The very corner stone of the debacle that caused our financial meltdown in 2008 was this very issue - banks using contrived and manipulated values to support a questionable loan. 
I have filed bankruptcy. There is no recourse for XXXX or Chase to collect fees, charges, interest, or for even that matter, the principal, due them for their security. Therefore, I believe this constitutes a new loan under the guise of a loan modification and thus I believe this new loan falls under the consumer protection provisions found in Dodd-Frank.
Product: Checking or savings account

I've had the company try and charge me over dress fees when they were the one Who charged Incorrectly. I have had many problems with Wells Fargo and then trying to authenticate payment sources as well as deposits. This bank has been a nightmare.
Product: Checking or savings account

I initiated an " instant '' transfer via Betterment 's XXXX payment service from my savings account with Betterment last Wednesday XX/XX/2024. Since it was advertised as instant I expected this payment to either be instant or at the every least within XXXX hours. I saw nothing come into my account but it was immediately withdrawn from my Betterment account since which time I have had no access to my own money for over a week now. On Friday XXXX XXXX I received an email saying Betterment needed an additional verification via a different account to the one I used with their Plaid instant payment service. I then sat on the phone for nearly XXXX hour doing this with them in what felt like a very shady and weird verification system which involved me having to call another bank with them on the line. Their customer service representative XXXX then confirmed that the money would hit my account XX/XX/XXXX after I completed this " additional verification ''. XX/XX/XXXX rolls around, no money in my betterment account, no money in my other savings account. I call them again XX/XX/XXXX. The next customer service rep XXXX agrees that Betterment should not be holding my money and apologies but nevertheless says they are still holding my money. Today, XX/XX/XXXX, I receive an email saying that they are still holding my life savings and will transfer it in some more days. Betterment are acting in bad faith withholding money from their clients, that is customer money and unjustly enriching themselves with a hold that goes on more than a week where they withdraw Money from the client account and keep it for themselves. Betterment refuse to put the money back into my account with them, and the money is nowhere to be seen in the account I asked to 'instant " transfer it into over a week ago. Betterment is either unjustly enriching itself with their " partner banks '' holding onto client money or just plain stealing. It's not for Betterment to loan itself customer money and hold it XXXX for days on end.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and TransUnion have been reporting these fraudulent accounts under my name. 

XXXX is fraudulent on my credit Account # XXXX XXXX   XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX I didnt benefit, apply for, and authorize these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and Equifax credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX XXXX and Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and Equifax are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX  XXXX XXXX Date Opened : XX/XX/2018 Balance : {$5100.00}
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 Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, so I seek appropriate redress for these violations.
Product: Student loan

Company keeps closing my complaints. Have failed to provide substantiation of the debt; including but not limited to, verification of the debt, chain of command, payment history, and loan disclosures with my signature, full and proper accounting of the loans. Furthermore, I only received 13 of 17 documents provided by the company. I am a litigious consumer and will escalate this matter to the highest extent of the law if this matter is not fully investigated. I did not sign the document uploaded by the company on XX/XX/2020. Company is in violation of section 609 of the FCRA.
Product: Debt collection

XX/XX/2017 medial bill paid by my insurance and thru my health savings account to XXXX  Hospital XXXX balance yet collection agency states I owe XXXX dollars. XXXX XXXX  will not remove after numerous phone calls and repeated online filing. I've never heard of collection agency nor did I ever receive any information from them. Agency name is Capio Partners XXXX, TX according to credit report. XXXX  removed and verified XXXX balance. Keep getting info from XXXX XXXX to sign up for credit monitoring.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed an item on my credit report that is clearly a medical collection account. Account type is listed as a collection account rather than medical ( COL 48 vs Med 90 ). Experian unwilling to change account type to accurately reflect the account type. Also, Experian did not add a 180-day grace period to resolve the medical debt before it appears as a past due amount on my credit report per the new law passed on XX/XX/2017.
Product: Debt collection

This was a XXXX XXXXXXXX account that I paid with a check in full and they sold the debt to Midland funding collection agency. 


I recently got them to stop calling, threading and harassing me. I disputed this transaction many times and is still on my credit. I wrote a check to XXXX XXXX to stilt this account and they still sold it to Midland LLC. I even wrote on the check " Paid in full '' and they cashed it.
Product: Checking or savings account

I thought about cashing a check through my mobile app but decided against it. They are holding my money for 60 days and have caused me a lot of problems. My kids are not receiving things because of this.. My cell phone has been turned off, car note, insurance, credit cards, loans are all late and being charged with fees for what? So Usaa can feel better about themselves? My veterans XXXX check is the only income I have.
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these XXXX a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from XXXX  XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notice that my credit score dropped ten points. I checked my credit report and noticed a hard inquiry that I did not authorize or have any knowledge of. It was on XX/XX/2022 by XXXX XXXX  XXXX via Covious Mortgage Solutions. I would like this removed from my credit report.
Product: Credit reporting or other personal consumer reports

On the day of XX/XX/year> at around XXXX XXXX  I had been shopping in the XXXX XXXX XXXX XXXX in XXXX  Michigan when I left my wallet in the parking lot. I contacted XXXX XXXX Police Department and my wallet was retrieved with my personal belongings missing such as my drivers license and my social security card. Currently within the pass few months i have noticed some unauthorized inquiries hitting my credit reports consumer reports such as XXXX, XXXX and Equifax. My credit score has dropped traumatically. Please take in consideration that I am a victim of identity theft and help protect and secure my personal information. Thank you..
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal loans, credit cards, mortgage accounts from XXXX XXXX with a balance of {$930.00}, XXXX XXXX with a balance of {$1200.00}, XXXXXXXX XXXX with a balance of {$1600.00}, XXXX XXXX with a balance of {$7000.00}, XXXX with a balance of {$3200.00}, XXXX XXXX XXXX with a balance of {$440.00}, XXXX XXXX XXXX with a balance of {$1100.00}, XXXX XXXXXXXX XXXX with a balance of {$410000.00}. 
These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

On several occasions I have asked Diversified Consultants to end all telephone communication because it is harassing and during the course of the day when I at my place of work. I also instructed them to have all communication ( s ) pertaining to the matter sent to the address they have on-hand via USPS. To day I received yet another call at XXXX and advised the young lady once more to cease and desist all phone contact. I need to FTC to contact this collection agency and inform them that they are violating my rights and my request to cease all phone communication.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$2000.00}, {$8900.00}, {$12000.00}, {$4000.00}, {$4500.00}, {$6100.00}, {$10000.00}, {$15000.00}, {$9100.00}, {$52.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See also 12 C.F.R 226.12 ( b ).

-OPEN ACCOUNT- 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account. 


-CLOSED ACCOUNTS- 2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2000.00} -This is not my account.

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8900.00} -This is not my account.

4. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$12000.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4000.00} -This is not my account.

6. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4500.00} -This is not my account. 

-PERSONAL ACCOUNTS- 7. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$6100.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account.

9. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$15000.00} -This is not my account. 

10. XXXX XXXX XXXX  with ACCT # XXXX opened on XXXX   XXXX, XXXX with a credit limit of {$9100.00} -This is not my account. 

-COLLECTION ACCOUNT- 11. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$52.00} -This is not my account.
Product: Debt collection

I have repeatedly requested that Account Resolution Corporation provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX in XXXX mi pulled my credit 3 times without my consent. This is not the first time that they did that to me. The finance officer requested my information to get the loan processed. I asked specificity to use my information one time only with XXXX XXXX and not to use it again. I received instantly three massages from experian that my credit was ran three times. 
Never again I will give XXXX  XXXX the permission to pull my credit or do any types of business with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to advise of an ongoing discrepancy on my 3 credit bureau reports ( Experian, XXXX and XXXX ) caused by XXXX/ XXXX XXXXXXXX ( formerly known as XXXX XXXX ). They are currently reporting an account and associated loans as a profit and loss write-off, with the current balances due. This account/loans were for Private Student Loans, which are unsecured loans and not federally funded. Their website indicates that the first payment was due on XX/XX/XXXX and no payments were ever received. As you are aware, there was no grace period on these private student loan. I have made multiple requests, over the past several years, for copies of any promissory notes and/or contracts bearing my handwritten signature, but none have been provided to date. Given these facts, I assert that XXXX/XXXX XXXX ( formerly XXXX XXXX ) is currently in violation of the FCRA as described below : Per FCRA 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.

( c ) Running of Reporting Period ( 1 ) In general. The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.

The 7-year +180 day period which is allowed under FCRA began on XX/XX/XXXX and has since expired on XX/XX/XXXX. Regardless of XXXX 's choice to officially charge off the account/loans at a later date, my protection under this rule should not change. I therefore requested that the account and all associated loans be deleted from my credit report with all three credit bureaus ( Experian, XXXX and XXXX ) IMMEDIATELY, with written confirmation sent within 30 days. I also request that XXXX  ( formerly known as XXXX XXXX ) and its assignees refrain from any and all collection activities including credit reporting at a later date. Failure to remove these accounts constitutes a violation of the FCRA.
Product: Debt collection

To Whom This May Concern, I have recently pulled my credit report and noticed that there is a collection listing from your agency. I have never been notified of this collection action or that I owed the debt. This letter is to inform you that I have the right to request a validation of this debt and your ability to collect this money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together. XXXX WE CAN HELPI + Please attach copies of the following documents : Agreement that you have authority to collect on this XXXX alleged debt. Agreement that bears signature of the alleged debtor with promises to pay the original creditor. Complete payment history on this account, to prove that XXXX the amount you wish to collect is correct. I hope your legal staff will agree that noncompliance with this request will result in serious legal trouble for your company. XXXX
Product: Debt collection

I currently have my XXXX loan through JPMCB Auto Finance company. They have continued to ding my XXXXXXXX XXXX  Times last year for Late payments. These were False reports, because I can prove all 3 of these payments were paid ON time. This was a mistake on their end, because the reported I missed XXXX payments ( XX/XX/year>, XX/XX/year>, XX/XX/year> ) When I Paid and can prove I've paid because I Have the Checks that were sent in, under my account number and it shows all of these XXXX Checks were stamped and deposited by JPMCB Auto Finance Company. I did not miss any payments XXXX were any payments late. 
Their XXXX reports were inaccurate and XXXX as the CFPB did not check if these reports were accurate or true.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX payments contacted me because payments set up for XXXX were not processing on my card. As soon as I was notified of what was happening I paid in full. Ive been working with XXXX XXXX and had no idea this was happening. They said they tried calling me, but Id recently been getting bombarded with telemarketing calls about health insurance so I was ignoring out of state calls. I also just moved which I can also prove, so any mail came to me very late. Please help. This wasnt purposeful and it hurt my score XXXX points. XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being. I have rights 15 USC 1681 Equifax is govern by 15 USC 1681, and they violated my rights numerous times. I demand the accounts listed below be removed because According to 15 U.S.C. 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX
Product: Payday loan

I continue to get calls 2-3 times a week from : municipal services Bureau the number they call from is different from the number they request a call back. The names change on every call. I have called them back and they want my personal info to confirm payday loan ( that I did not apply or receive ) I spoken to one person months ago and advised them not my debt, as well as according to RI Banking Division the company, name changes all the time, is not licensed in RI and there fore illegal. they have threaten to take me to court, garnish my pay and use vulgar language then call 6-7 times the same day. I no longer return calls or speak with them. I have been a victim of identity theft and fraud and am still in the process of disputing credit report and contacting creditors.