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

TheBUREAUS ( XXXX ) Acct # XXXX XXXX Acct # XXXX In XXXX XXXX XXXX Fair Credit Reporting act my rights have been violated. 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 I recently reviewed my credit report and noticed some unauthorized accounts on my credit report. In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is grounds for removal they also violated my rights under 15 U.S.C 1681 section 602 A. Under 15 USC 1681A 3, this role was assumed without permission nor my consent. My right to privacy was neglected and not respected which is under 15 USC 1681A 4. You did not exercise your grave responsibility, you were unfair, you were partial. You were never given permissible purpose under 15 USC 1681B 2. I never instructed anyone to furnish or create this report
Product: Debt collection

XXXX XXXX from Portfolio recovery associates in XXXX, Virginia, United States contacted me from phone number XXXX on XX/XX/XXXX at XXXX <See Attached> After asking XXXX what my address was on file, she confirmed " XXXX XXXX '' ( XXXX ). I have already provided my updated address and asked the company to stop calling me at inconvenient hours on XX/XX/2020 <See Attached>. They agreed that it was a bad time to call me. I asked to speak to a manager and spoke to Mr. XXXX. Mr. XXXX agreed that my address reflected my time zone and that XXXX phone calls are unnecessary. I advised Mr. XXXX would like to move forward to submitting a formal complaint, but he did not offer me any assistance other than they would not call during this time in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a box of documents from a relative and found paperwork of 4 student loans in which I did NOT authorize by my official signature to proceed. They appear to be electronically signed with my name but without my authorization or my personal signature.

The original 4 loan amounts loan dates are as follows : Loan # 1 Sallie Mae XX/XX/XXXX for {$20000.00} Loan # 2 Sallie Mae XX/XX/XXXX for {$14000.00} ( the promissory note for this loan # 2 has my forged signature on the document ) Loan # 3 Sallie Mae XX/XX/XXXX for {$7800.00} Loan # 4 Sallie Mae XX/XX/XXXX for {$2500.00} Per my credit reports, these are now under Navient. Ive tried a few times over the past several years to dispute my claim that I am NOT the co-signer on these 4 loans and I have asked several times for documentation/promissory note copies from the services to provide proof otherwise and they do not seem able to cooperate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, FIRST TECH FCU add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, XXXX/XXXX XXXX add a hard inquiry on my credit report per XXXX. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting or other personal consumer reports

After multiple submissions of identity theft reports to both your bureau and other regulatory entities, I am disheartened to find fraudulent accounts still listed on my credit report. Despite my detailed communications, these entries persist, further exacerbating the harm caused by this theft. 

The following accounts are not legitimate and have been reported as fraudulent : XXXX XXXX  ( original creditor : XXXX BANK ), Achieve Personal Loans, XXXX XXXX, XXXX, and XXXX. 

Their continued presence undermines my efforts to restore financial stability. This issue has been repeatedly brought to attention, yet the resolution remains inadequate. I trust your bureau will take immediate action to address this matter effectively
Product: Credit card or prepaid card

To whom it may concern, This complaint is in regards to my Capital One credit card. On or about XXXX/XXXX I made a purchase using my credit card ; on or about XXXX/XXXX I reviewed my statement and noticed an Unauthrorized charge so I in formed my credit card company and initiated a dispute. 

Three or four days later my wife reminded me of the purchase I made that I filed a dispute for, I tried to contact my credit card company to redact or withdraw my initial dispute. The agent on the phone had informed me that once I file a chargeback I 'm no longer to retract my claim. 

Is this accurate? If I file a dispute on a transaction do I no longer have any rights to withdraw? Do I give away my rights to accept financial responsibility? Did my mistake cause a merchant to lose out on the original purchase amount and the service they provided? I 've tried to contact the merchant and they are no longer in business due to " chargebacks ''. I feel somewhat responsible because my chargeback claim contributed to the insolvency of the entity ; which offered a wonderful service. 

It leaves me to wonder how many other people 's mistakenly filed chargeback cost an honest business to be shut down. Is there any information on how to cancel the dispute you 've filed with your bank or credit card company? Am I wrong to believe that I can accept my mistake so as not to bear financial costs to others? Please help find information or resource links available that allows me to accept a dispute claim I 've filed or withdraw my dispute.
Product: Credit reporting or other personal consumer reports

Where do i even begin, so theres an account that Equifax is currently reporting on my credit. This account was removed and illegally reinserted. Eventhough, i have told Equifax, and their representatives its not my account. I have provided documents, which there company stated they never recieved. I tried to login online to provide documents such as police report and affidavit.However, your website is broken, and i cant login. So once again im asking for a block on this account currently on my credit. 

account XXXX XXXX {$25.00} XXXX # XXXX
Product: Bank account or service

USAA denied our fraud claim where transfers of XXXX or less was moved out of our accounts. Denied claim due to the transfers occurred with log-in of husband and did n't trigger any red-flags in their safety/security system. We were robbed and they are not giving us back any of our money and making us pay the over-draft that was taken when money withdrawn above the amount in the account originally.
Product: Debt collection

XX/XX/XXXX and XX/XX/XXXX XXXX I sent a verification letter requesting verification that this debt is mine. Both occasions, the collection agency, XXXX XXXX XXXX sent information that was not enough information to verify they were collecting on a debt that belongs to me. I sent a final letter requesting this information on XX/XX/XXXX and there has been no further communication or follow up from XXXX XXXX systems.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 submitted a dispute letter to Experian by way of priority mail. Acceptance Cutoff XX/XX/2022 XXXX XXXX  Acceptance Time No Data Expected Date XX/XX/2022 XXXX XXXX  Delivery Status Delivered, Left with Individual<br/> Details Account Number XXXX Return Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX Delivery Address EXPERIAN XXXX DISPUTES XXXX XXXX XXXX XXXX, TX XXXX XXXX Ship Date : XX/XX/2022 From : XXXX Service Type Priority Mail Flat Rate Envelope Experian has never acknowledged my dispute or investigated within the 30 days are required by law. It has been almost 2 months now with no response. I also sent an email and telephoned and a representative would not help me with unauthorized inquiries. My personal information is also wrong. It shows it was delivered to them Tracking Number : XXXX Copy Add to Informed Delivery Latest Update Your item was delivered to an individual at the address at XXXX XXXX  on XX/XX/2022 in XXXX, TX XXXX. 

Get More Out of USPS Tracking : USPS Tracking Plus Delivered Delivered, Left with Individual XXXX, TX XXXX XX/XX/2022, XXXX XXXX  I want the requested information removed immediately. This is stopping me from getting necessary credit needed. I got an email from XXXX XXXX on XX/XX/2022 but he said I needed to call again? Why should I have to keep calling to get resolution. I want this resolved immediately and the incorrect items removed according to my letter and those fraud inquires removed. Thank you
Product: Debt collection

I saw I had mail on the counter that I hadn't opened in a while so I opened it, and it is saying that I owe debt money for " XXXX XXXX '' that I owe {$43.00} for this procedure. I have no idea where this is from, but I do know I am not paying {$43.00} for something that isn't supposed to be charged to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and see unrecognized inquiries on my report. I have not applied for credit with these companies and contacted the bureau to address this issue. 
On XX/XX/2023 XXXX, XXXX, XXXX XXXX XXXX, XXXX TX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX UT, XXXX, XXXX, XXXX & XXXX all inquired about my report. I do not have any knowledge of these inquiries. Under title 15 USC 1681 ( i ) I would like these investigated for accuracy and authenticity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there are still a few accounts on my report that are false and the result of identity theft. I request your assistance in getting rid of the last few items on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any accounts that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my reportXXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00}
Product: Money transfer, virtual currency, or money service

bought a computer part and returned it back but I did not receive my money back as promised by buyer protection policy. Instead, they decided to permanently limit my account. I'm not sure of the reason behind this because I did not do anything wrong. I'm very confused about what happened so I decided to call someone at PayPal but they said the decision is final which is okay but I just want my money back for something that I returned.
Product: Debt collection

In XXXX of XXXX  I reached out to Navy Federal Credit Union and spoke to Ms XXXX at XXXX Ext XXXX regarding my credit card debt that was already many years old. I wanted to seek a settlement. Ms XXXX stated that I could settle the account for {$1700.00} and that the account will report to the credit bureaus with a XXXX   balance. Today after seeing my credit reports. NFCU is reporting settled with a balance. I called Ms XXXX to ask why. She states that she never said it would report a XXXX   balance. Just that the account is settled for less than the balance owed. I took my entire available funds to clear up an old debt believing that it would clear up a debt. The debt is still there. NFCU has employees that are stating misleading information to people to collect a debt. I obviously would not have entered into an agreement if it would have been explained properly. Ms XXXX purposely danced around the explaination to make me believe it would be cleared up.
Product: Credit card

I have been charged numerous times for an interest payment which should not have existed on my account at all as I paid off my promotion. They have tried to correct this promotional balance numerous times since XXXX of XXXX, and in doing so, have ended up charging me twice for this interest. I have XXXX charges of {$110.00} on my account which should not be there. I have contacted numerous individuals in regards to this error and have been told that it was a system error though they will not be able to correct this amount. As a result, they will be gaining {$110.00} x XXXX {$220.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the victim of what appears to be an illegal scheme by alleged creditors to " park '' inaccurate adverse credit history items on my personal credit reports, as maintained by XXXX, Experian XXXX XXXX, to extort payments not due and owing from me personally. 

The entities improperly reporting to the Credit Agencies, falsely claiming to be my personal creditors are : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX ( aka XXXX XXXX XXXX ) 3. XXXX XXXX I have records disputing these inaccurate disclosures ( letters to XXXX, XXXX XXXX Experian ) dating back to XX/XX/XXXX. 

Despite the CRA 's typically removing the inaccurate adverse information after my repeated complaints and disputes, the named creditors continue to find improper ways to report this misinformation again - most recently in XXXX and XXXX, now reporting accounts that were closed in XXXX and newly opened in XXXX & XXXX, and now reposted as delinquent collection, not charge-offs. 

I have demanded under FCRA Section 609 that these " creditors '' provide substantiation of their claimed debt, but they refucse or ignore such demands. 

The CRA 's continually close my dispute with a letter stating they have concluded their investigation, and that I may provide a written statement - BUT this does not correct their reporting error. In fact, I have provided the CRA 's with written letters I have received from these creditors stating their XXXX & XXXX claims are actually beyond the New York statute of limitations collectability dates, but refusing to remove their adverse information unless I pay what are mostly closed corporate debts ( incurred and previously paid by corporate entities ), that I am not personally liable for.
Product: Checking or savings account

Chime suspended my account with no valid reason and when I tried getting it resolved from the phone number provided they would tell me it could only be resolved by email. After sending everything they asked they just kept sending me an automated message requesting documents that agents I spoke with verified that they had. I emailed and advised that I would take legal action as they are holding my savings without trying to provide a resolution. They only responded for me to send them a W-9 which I then verified online to be a document you fill out when applying for a job. I told them that after a week and a half of emails and unproductive calls I no longer wanted to restore the account that I only wanted to close it and get my funds deposited into my savings. Mind you I have sent my proof of ID and address a total of 7 times at this point. No one will help me get this resolved. I am at my wits end with this issue as they are not providing me any avenue of resolution. Please help get this issue resolved so that I can move on.
Product: Mortgage

Hi ex employee and XXXX XXXX XXXX XXXX - how arre yall first? 

1 ) With Mr. Cooper, I filed a bankruptcy when i XXXX retired I did not include my house in the bankruptcy and in the bankruptcy agreement there was no mention of a {$250.00} fee to not include this in the bankruptcy. This is totally unfair and sneaking fees in is a no no. I disputed this them, they denied the dispute. You can call my attorney XXXX XXXX in XXXX, Florida. 

2 ) Mr. Cooper on thier website REQUIRED me to pay the {$250.00} disputed fee BEFORE paying additional principal to eb able to remove my PMI. ILLEGAL. We had to do a workaround with escalations to get the {$70.00} additional principle paid to remove the PMI which is no w removed from my FHA in the amount of {$110.00}. Letter on the way in 7 days for verification. 

3 ) Finally they charge a {$19.00} processing fee to pay over the phone which is non-disputable and excessive to make a payment. this needs ot be looked into in this day and age. 

Thanks you guys and good luck with Mr. Cooper. 

XXXX XXXX Retired CFPB XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I am in foreclosure status with wells fargo, I have asked to be rereviewed for a loan modifcation, but will not alllow me back in due to my history of broken payment plans. Although there were reasons why I broke the plan and was in constant contact with the back. 
Also they lost my original note, have sent letters to my job which breaks confidentiality, THey do not return calls in a timely fashion and are put on hold for over 45 minutes at a time. AFter speaking to HUD along with the XXXX XXXX XXXX, Wells FArgo still refuses to work with me to give me another chance.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told XXXX, XXXX, and XXXX to reinvestigate these accounts because there are several inaccuracies such as amounts, dates, and the other false information claims. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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. 

Respectfully, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im writing to formally request a form 1099 c cancellation of debt with account under my name that was charged off by XXXX XXXX  sold to XXXX in amount of XXXX dollars. IRS regulations section 6050p code creditors are required to issue form 1099c for debts ( XXXX ) dollars or more. Has been written off which constitutes a cancellation of debt. Please provide appropriate documentation it is essential for me to have form so I can report on my tax return.
Product: Credit reporting, credit repair services, or other personal consumer reports

the credit bureaus XXXX, Experian, XXXX are reporting incorrect information on my credit report such as names my social i have a social security number on my credit report that doesn't belong to me reporting fraud accounts I need accounts that do not belong to me remove and deleted EXPERIAN XXXX /ACCOUT # STARTING XXXX XXXX DOES NOT BE LONG THE SAME ACCOUNT IS REPORTING TWICE FROM THE SAME CREDITOR THIS NEEDS TO BE DELETED DATE OPEN XX/XX/XXXX XXXX. XXXX XXXX XXXX ACCOUNT NUMBER STARTING WITH XXXX IS NOT MY ACCOUNT NEEDS TO BE DELETED /DATE OPEN XXXX XXXX XXXX. XXXX XXXX ACCOUNT NUMBER STARTING WITH # XXXX THIS ACCOUNT DOES NOT BELONG TO ME NEEDS TO BE DELATED XXXX. XXXX XXXX XXXX XXXX XXXX XXXX THIS IS NOT MY ACCOUNT THIS NEEDS TO BE REMOVED AND DELETED XXXX.I HAVE A SOCIAL SECURITY NUMBER ENDING XXXX REPORTING ON MY REPORT WHICH IS NOT MY SOICAL CREDIT NUMBER THIS NEEDS TO BE REMOVED AND DELETED THIS IS FRAUD EVERYTHING ABOVE NEEDS TO BE DELETED ABOVE OR I WILL BE FILING A LAW SUITE XXXX XXXXMY NAME IS XXXX XXXX XXXX NOT XXXX  THIS NEEDS TO BE FIX XXXX XXXX  SHOWING A BALANCE OF XXXX THIS IS NOT MY ACCOUNT NEEDS TOI BE DELETED OFF MY REPORT XXXX XXXX OPEN XX/XX/XXXX THIS IS NOT MY ACOUNT I EXPLAIN THIS I DID NOT OPEN THIS ACCOUNT XXXX XXXX  XXXX DATE OPEN XX/XX/XXXX THIS NOT MY ACCOUNT NEEDS TO BE DELETED HAVE XXXX ACCOUTS HOW WHEN XXXX WAS NOT OPEN BY ME HARD INQUIRIES XXXX. XXXX WAS NOT INQURIE BT ME THIS IS FRAUD THIS NEEDS TO BE DELETED XXXX. XXXX XXXXXXXX XXXX NEEDS TO BE DELETED I DIDNT APPLY FOR THIS XXXX. XXXX XXXX XXXX XXXX WAS NOT ME THAT APPLY NEEDS TO BE DELETED XXXX XXXX XXXXXXXX XX/XX/XXXX NEEDS TO BE DELETED XXXX. XXXXXXXX XXXX  XX/XX/XXXX NEEDS TO BE DELETED XXXX XXXX  XXXX XXXX NEEDS TO BE DELETED XXXX XXXX XXXX XXXX NEEDS TO BE DELETED XXXX FROM XXXX UNDERSTANDING IT WAS A DATA BREACH MY PERSONAL INFORMATION WAS EXPOSED AND ACCOUNT NEEDS TO BE DELETED THAT DOES NOT BELONG TO ME XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX BE DELATED XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX ADRESS NEEDS TO BE DELETED NOT MY ADDRESS HARD INQUIRIES XXXX XXXXXXXX XXXX DATE XX/XX/XXXX NEEDS TO BE DELETED XXXXXXXX XXXX XXXXXX/XX/XXXX NEEDS TO BE DELETED XXXX XXXX XX/XX/XXXX NEEDS TO BE DELETED
Product: Debt collection

I recently moved to TX and got this phone number. I receiving phone calls for a XXXX XXXX XXXX between 4-5 times a day. I have notified the company numerous times that this is a new phone number belonging to the XXXX 's and they continue to call.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes particularly in light of the CFPB lawsuit highlighting significant issues with the platform. Despite zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system. leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Checking or savings account

i opened a chase account, deposited money on a check, tried to send the money out because i had just opened the account and did not have the debit card, i was told i would be able to access and use the funds when the check clears. it cleared, tried to send, now im banned from chase, closed account, can never use them again, they are mailing me a check with the deposited money, no information as to why they would make me wait 10+ business days to receive a check with my funds wasting my time and causing me to be late on bills, i havent had a bank in years, this is how they treat people?
Product: Credit card or prepaid card

I went to website to check balance and it started fraud/suspended can't login. So I called the XXXX # multiple times. After being on hold for over an hour each call, someone would answer and say they were transferring me to fraud department ( followed by another wait of an hour ) so I eventually would hang up each call. 
I also call unemployment office. They said it was because I tried to change payment option to direct deposit ( which didn't go through ) so I need to use my card. It's for unemployment in XXXX XXXX XXXX  AND HAVE NOT BEEN ABLE TO USE MY CARD FOR SEVERAL DAYS