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

FOR : XXXX XXXX XXXX ( Closed or open ) In conjuction with XXXX CFPB complaints Under the law/following : Reporting my transactions or experience ( utilization ) FCRA 15USC 1681a 2A *The need of your written consent to report Anything and your right to privacy 15 USC 1681b Permissible Purpose of Consumer Reports ( a ) ( 2 And Damages/Defamation of character/ Negligents 1.Civil liability damages violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ] My late payment ESPECIALLY since it was and is the one and only on my entire report legally should not be on report.nor should the details of our agreement. If you feel this is an error and the violations don't pertain to you please send me a letter in details explaining why or...
Product: Credit reporting, credit repair services, or other personal consumer reports

Madam or Sir, XXXX, XXXX, and Transunion are all reporting that my XXXX XXXX card is at 103 percent of my limit. The limit is {$1400.00}. My debt is {$1300.00}. This is 93 percent of the limit. 

All three organizations have lowered my credit rating based on this miscalculation. 

Please contact XXXX directly to verify that the information which I have provided you is correct. Their phone number is XXXX XXXX. 

I have attempted to correct this with XXXX, XXXX, XXXX and Transunion. The response I have gotten from the credit reporting agencies is an automated system that will not allow me speak with a person. XXXX told me that they won't manually update anything, their " system '' updates people 's credit ratings each 90 days. 

This is all unsatisfactory. 

Regards, XXXX XXXX XXXX, XXXX XXXX, XXXX ( Retired )
Product: Credit reporting, credit repair services, or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof.

I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 




XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.
Product: Debt collection

I received a certified letter from the Indiana IRS in XXXX ( XXXX I believe ) stating if I did not pay the remaining taxes I owed them they pursue other actions including seizing my tax return. The letter granted until XXXX from my understanding. 

On XX/XX/XXXX I received a letter dated XX/XX/XXXX stating I had placed a tax warrant against me but did not include a pay by date before next steps would be taken. 

From XXXX XXXX I secured the funds to pay the debt and proceeded to pay it off on XX/XX/XXXX. 

On XX/XX/XXXX the United Collection Bureau negligently proceeded with filing a bank levy against me even though the debt had been settled. They also seized {$2000.00}. I received a letter from my bank on XX/XX/XXXX dated XX/XX/XXXX telling me about the levy and assets being seized along with a {$100.00} dollar legal processing fee.

I have since taken a total od 4 hours off of work to try to get this straightened out. 

I finally got ahold of United Collection Bureau on XX/XX/XXXX and explained their negligence. They confirmed they did not validate my file was still valid and proceeded with the levy on XX/XX/XXXX then the file was pulled from them after the fact but they did not proceed with removing the levy nor returning my seized assets. They agreed to remove the levy which was process on XXXX by my bank but I do not have my seized funds back nor are they willing to return my fee and lost wages I incurred due to their negligence. At this point I have {$2000.00} Dollies gone out of my account, {$100.00} legal processing fee, and 4 hours lost wages and counting.
Product: Credit card or prepaid card

My cashapp was close due to terms violations I think someone use my information without my consent
Product: Debt collection

Received a credit alert on XX/XX/year> ( damaging my credit profile ) stating I owe them money in the amount of {$180.00}. Never even heard of this company nor have I requested funding, or signed any contract to do business with them.
Product: Checking or savings account

Earlier this month i had gotten my wallet and information taken.And my bank cards compromised The Banking Company Named ChimeOn the XXXX of XXXX and XX/XX/XXXX i received a message saying i spent {$730.00} and one for {$270.00} on XXXX A total of XXXX XXXX i had called and told them it wasnt me they said the transaction has to be settled before i can cancel or dispute. Days later i called them and filed a dispute and they keep denying it and based the out of the bot they use. now im stuck while losing money .Just not fair at all
Product: Mortgage

Initial mortgage was taken out XX/XX/XXXX in the amount of XXXX. We have been making timely payments since that date. Our servicer has changed from Conseco, to XXXX, XXXX XXXX, and finally to Shellpoint. During this process we did go through a deferment for 5 months from XX/XX/XXXX to XX/XX/XXXX. Once completed we paid ourselves current. 
I contacted Shellpoint for documents pertaining to our deferment, however ; Shellpoint insists they do not have any records of a deferment ( the deferment shows on the statement ) or the payment of brining the mortgage current. We still got nothing from Shellpoint, they keep telling us they will send but we have not received, and it has been > 6 months. 
I contacted Shellpoint regarding the amortization schedule, they said they did not have that either. According to a Mortgage professional, when we went to refinance the home, she didn't understand 2 things. 
XXXX why after XXXX of payment on $ XXXX we still owed $ XXXX and XXXX. Why the amount of interest being paid each month fluctuations greatly. Just last month the interest payment was XXXX. This is after paying for XXXX. 
My Mortgage analyst shows that we should be somewhere between $ XXXX $ XXXX. XXXX as of XX/XX/XXXX XXXX
Product: Debt collection

XX/XX/XXXX - I talked to XXXX XXXX from Commonwealth Financial System : PHONE # :XXXX about a debt collection ( {$980.00} ) on my credit report that is not mine. I asked Mr. XXXX what this debt was about and why it was in collections. He told me it was a debt from XXXX ( hospital bill ) so I tell him I have not been to a hospital what so ever that it was not my debt. Mr. XXXX proceeds to tell me " well if it was identity theft a credit card or loan is more common not medical bills, why would some one use your s.s for medical ''. Mr. XXXX than tells me " well if its not yours, you have to file a police report '' ; so I said okay! I'll do just that. Mr. XXXX continues and tells me " you know if you're lying to a police you can go to jail ''. I'm offended by this point because he's either trying to scare me or calling me a liar. I did not take that lightly what so ever. No one should be accused of lying by any means by " debt collectors '' ect ... ... I know my rights as well. We were in a recorded line so I'd like that to be taken into consideration from the company to review the phone call.
Product: Money transfer, virtual currency, or money service

i am to formally express my concerns regarding ZELLE handling of disputes, particularly in light of recent XXXX lawsuit hightlighting signficant issues with this platform. Despite using ZELLE numerous times and reporting discrepancies, my financial institution and ZELLE failed to investigate my claims adequately. THEY INFORMED ME ME THAT RECOVERING LOST FUNDS WAS IMPOSSIBLE AND THAT TRACKING THESE TRANSACATION WAS NO AVAILABLE. THE CFPB 'S FINDINGS INDICATE THAT ZELLE HAS NOT ONLY NEGLECTED TO PROTECT CONSUMERS BUT HAS ALSO ALLOWED REPEAT OFFENDERS TO EXPLIOT THE SYSTEM, LEAVING USERS VULNERABLE TO SCAM,
Product: Checking or savings account

Problem is keeping up with what 's going on in my account. I go into my account using mobile banking and some transactions are a certain way then, I go back in about 3 hours to a day later even and the transactions are in totaly different order. My payroll deposit went in on a Friday morning around XXXX XXXX I went in my account on Saturday around XXXX XXXX  and it was showing that my check had n't even got my account and all the transactions I had made had all been placed in a negative overdrawn status. I 'm completely breaking down at work when I saw this. I call my manager asking him why the company took back my payroll check. He looked in his account with XXXX XXXX and his was fully processed and deposited. Keeping in mind that just Friday at XXXX XXXX my check had been fully deposited not in processing status. My whole bank sheet was in a sea of t red colored disarray!!!! I wanted to order lunch from my favorite Chinese restaurant and could not. I screen shot a picture of my account on my phone and you could clearly see my payroll check was gone and all, ALL my transactions had been put in negative status!! This is n't the first time this has happened. I ca n't even keep a good record because Everytime I go in to check my account there are different transactions in places where they were not an hour or day before when I checked!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, i have numerous inquiries account that are unauthorized and need to be removed from my credit report from the major credit bureaus immediately. I tried to consult this with the original creditors with customer service, but nothing change. I tried to dispute inquires with all three major credit bureaus (XX/XX/XXXX XX/XX/XXXX and Equifax ) nothing has changed. I am now taking extra measures with FTC and CFPB. 

I recently check my credit report and all unauthorized inquires are still there. Please remove the following inquires : XX/XX/XXXX: ( XXXX XXXX OF : Inquired on XX/XX/XXXX XXXX, XXXX. 
XXXX XXXX, XXXX XXXX : Inquired on XXXX XXXX, XXXX. 
XX/XX/XXXX: Inquired on XX/XX/XXXX. 
XXXX XXXX : Inquired on XX/XX/XXXX. 
XX/XX/XXXX: Inquired on XX/XX/XXXX ). 



Equifax : ( XX/XX/XXXX: Inquired on XX/XX/XXXX. 
XX/XX/XXXX: Inquired on XX/XX/XXXX. 
XX/XX/XXXX: Inquired on XX/XX/XXXX. 
XXXX XXXX : Inquired on XXXX XXXX, XXXX ). 


XX/XX/XXXX XXXX XXXX : Inquired on XX/XX/XXXX. 
XX/XX/XXXX: Inquired on XX/XX/XXXX ).
Product: Credit reporting

I have a Internal Revenue Service Federal Tax Lien listed on my credit report. I requested and was granted a Withdrawal of this Tax Lien XXXX XXXX, 2013. This form Federal Tax Form XXXX A has been on file with XXXX XXXX Nevada since XXXX XXXX, 2013. I have now requested on XXXX separate occasions in writing to Equifax that they re-verify and remove this Tax Lien from my credit report as it has been withdrawn. Each time I have sent them both exact information on where to locate the online filing as well as a copy of the form itself and each time they have come back having clearly done no research and said " We have reviewed the lien information. '' and that the Tax Lien shows as released which has been the status they 've shown for the last XXXX years. A simple and quick check at the XXXX XXXX site shows that the Withdrawal is on file - XXXX. My husband also had the lien on his credit report and while it took XXXX letters to Equifax to get it removed they did properly remove it for him. Nothing I do seems to get their attention to do their job and actually look at the Withdrawal, then properly remove it from my credit report.
Product: Checking or savings account

I hold my FSA account with Optum Financial. I submitted a claim under my XXXX and XXXX XXXX account on XX/XX/XXXX for reimbursement. The customer support department continue to re route to different departments or try to ignore the requests than helping me resolve the reimbursement request. I held {$86.00} in my account which can be claimed if I submit the claim by XX/XX/XXXX which I did on time but still Optum Financial is not able to fix the issue and have displayed " Processing reimbursement, sent if future funds received '' although funds are present in my account. 

After my multiple requests to call them and wait for hours and speak to different representatives they're still not able to resolve this. Today is XX/XX/XXXX and they've forfeitured " - {$86.00} '' for no reason although I've a claim still to be processed.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( XXXX ) ( A ) & I will be seeking a legal remedy. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Request for Description of Investigation Process - Disputed Accounts on my Credit Report Dear CFPB, I am writing to formally dispute the reporting of late payments associated with the above-referenced account on my credit report. Upon reviewing my credit reports from TransUnion, XXXX, and XXXX, I identified discrepancies that are both inaccurate and harmful to my credit standing. The late payments reported are not reflective of my actual payment history. Specifically : TransUnion and XXXX reported three 30-day late payments for XXXX, XXXX, and XX/XX/XXXX, while XXXX shows no reported late payments for this account. 
XXXX removed one late payment upon a previous dispute, and XXXX has now updated the account to reflect " none reported. '' Reason for Dispute : The reported late payments for XXXX, XXXX, and XX/XX/XXXX do not align with my records. Based on my financial documentation and bank statements, all payments for this account were made on time and as agreed. 
Violation of the FCRA : Pursuant to the Fair Credit Reporting Act ( FCRA ) : 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) : Consumer reports must not contain inaccurate information about transactions or experiences.

15 USC 1681i ( a ) ( 7 ) : Upon request, you are required to provide a detailed description of the procedures used in your investigation of the disputed information. 
Action Requested : Investigate this account and update all late payments for XXXX, XXXX, and XX/XX/XXXX to reflect a status of Paid As Agreed, Never Late. 
Provide a description of the investigation process and evidence used to verify the accuracy of the reported information. 
Remove any negative notations associated with the late payments on this account. 
If you can not verify the late payments, please provide the procedures and evidence used for the verification. Failure to provide this information within the legally mandated timeframe will be considered a violation of the FCRA, the Consumer Protection Act, and the Truth in Lending Act. 
I expect a written response within 30 days from the receipt of this letter. Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I had moved to XXXX and lived there since XX/XX/2015 But I had noticed That someone had opened multiple creditcards and not paid after I had moved out. These accounts all are not mine.
Product: Mortgage

I received my escrow analysis statement dated XX/XX/2019 Immediately I noticed an error as my XXXX month activity was showing {$0.00} however I have never missed a payment or had a late payment for the 4+ years we've had this loan. 

XX/XX/2019 - I called the mortgage company ( RoundPoint ) and spoke to XXXX a customer service employee who saw the same issue as I and said he would request another analysis to be completed on the account I was total 3-5 business days to reanalyze 20 min call XX/XX/2019 - I called RoundPoint again because no one had gotten back to me and spoke to person who was extremely confrontational and was not listening to the issue. Ended call with me deciding I would call back and speak to someone else 22 min call XX/XX/2019 - I called RoundPoint and spoke to XXXX who also was pushing back on my request however at the end of the call said she would request another analysis to be completed on the account I was total 3-5 business days to reanalyze 37 min call XX/XX/2019 - XXXX called me and said that the escrow department refused to reanalyze the escrow account as I had " no basis '' to request one. I explained that 12 payments were requested and I made 12 payments so how are 11 payments only listed as actuals against my account. XXXX mentioned minimum balance in account to be $ XXXX. I then asked her for the calculation for the minimum required balance in the escrow and was told she would email it to me. She put me on hold and spoke to escrow department and they agreed a variance was noted and would reanalyze. 36 min call XX/XX/2019 - XXXX called me and said that the escrow department refused to reanalyze the escrow account. We again went through what was going on. XXXX mentioned minimum balance in account to be $ XXXX AGAIN. I then asked her for the calculation for the minimum required balance in the escrow and was told she would email it to me. At the end of the 1hr 15 min call we found out the beginning balance of the escrow analysis statement was incorrect. She requested that the escrow account be reanalyzed. I was told it would take 3-5 business days. 75 min call XX/XX/2019 - Called XXXX directly as no call received back about analysis. Left voicemail 0 min call XX/XX/2019 - XXXX called me and said escrow department refused to reanalyze the escrow account. 10 min call XX/XX/2019 - XXXX requested a time to call me. I had asked for the analysis and was told they are not reanalyzing. I then asked her for the calculation for the minimum required balance in the escrow and was told she is unable to give it to me but that she could call me to explain it. I said email me the calculation so I can see how it is completed and then I can setup a time to speak to her. 

All of these communications are taking up unnecessary time and the company is REFUSING to reanalyze the escrow account or provide details on what constitutes the minimum for the escrow account balance.
Product: Credit reporting or other personal consumer reports

Father was looking for a new vehicle potentially. I was his guide & mediator to ensure nothing went wrong during the process or improperly understood. The dealership ( XXXX XXXX XXXX XXXX proceeded to run a credit inquiry on my father, but also me. I did not consent to a credit inquiry of any sort. I told them bluntly that they ran my credit illegally, & they acknowledged the issue but did not attempt to fix it at all. They told me it can be disputed & removed instead of fixing the error from their end, since they caused the issue in the first place. It's been an extremely lengthy and tedious process trying to correct the dealership 's wronging, & the dealership stopped responding to my inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several fraudulent account & inquiries on my credit report. I have contacted Equifax several times providing police report verifying why this information needs to be removed permanently from my report. XXXX XXXX XXXX does not belong to me along with the following inquiries XXXX XXXX XXXX, & XXXX XXXX.
Product: Money transfer, virtual currency, or money service

To whom it may concern ; I called up PayPal this morning regarding Case ID : XXXX. I was told that the case was closed as this transaction is ineligible for PayPal Purchase Protection.

I am not sure why I am no longer eligible for PayPal purchase protection. I have only filed cases/claims in good faith. 

I ordered an XXXX XXXX XXXX XXXX ( XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, from XXXX in the amount of {$1000.00}. The seller sent a package using XXXX tracking # XXXX. The package arrived on XX/XX/XXXX I realized right away that there was no XXXX inside due to the weight of the package and the fact that the contents inside were not secure. I did not open the package as a way to preserve evidence for an investigation. I also filed a IC3 complaint as well which is attached for your reference. 

To me it seems as if PayPal is not acting in good faith by not standing behind their " Buyer protection '' when it does not benefit them. This is in violation of consumer protection laws. 

Please help get back my money that I have been scammed out of by XXXX and PayPal complicity. 

Thank you. 

XXXX XXXX XXXX XXXX XXXX