23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I bought 5 sets of *large* XXXX boxes ( important later ) off of XXXX, and each package did not show up at my doorstop but showed on their website as delivered. 

I went down to my local USPS office and they took a picture of each package that comes through their system ( and rescinded some name and address information. ) I was able to show each package that came through with the tracking information provided, was with a different person 's name and address on it ( see attached photos ) and each was a small mailer envelope which clearly could not contain what was supposed to be sent. 

I later found out that this is a mail forwarding scam where a person uses this to fool the third party into saying the item was delivered ( since they used their tracking information the website generated for them ), and USPS shows as delivered to the city on record for the person. 

I sent this information to XXXX  ( XX/XX/XXXX ) where they promptly removed my account from the website despite sharing this information and warning them that this was happening. There is no phone number they pick up from and I've attempted to contact their customer email and X  account, but they refuse to respond. 

I filed claims with my bank for fraud ( Chase ) on XX/XX/XXXX, with pictures from USPS showing each package had an altered ship to name and address. Out of the claims I submitted, only one was accepted by Chase despite having picture proof of each package not being sent to my address according to the seller 's own tracking information. 

I went into the branch, and despite the VP agreeing that it was cut and dry I didn't get the package, the Chase claims department is not directly reachable and insulates itself so I can't have a conversation with anyone and I've exhausted my appeals. 

Chase denied my claims for some reasons they won't explain, except that they found the charges to be " authorized '' ( despite my claim being I never received the goods paid for ), and I can't track down a seller through a third party website I'm blocked from. 

I have picture evidence from a government agency showing that the packages had different mailing addresses in my city, and were not large enough to hold the goods I bought, so it's fairly obvious I never received the goods from the company and would like my money refunded.
Product: Mortgage

I called my mortgage company in early XX/XX/2021 to request they pay my county property taxes annually instead of semi-annually, because my county offers a discount by doing so. My escrow account had the money to do so which i funded with my own money. They confirmed they would do it. 

I called again within a week to confirm again and they said they would do it. 

Finally after my taxes were actually paid by them, they didn't do it and paid semi annually so i will end up paying more in total tax. 

I have talked with their management and they acknowledged the mistake and said they would correct it moving forward and credit me the difference caused by their error. 

I went through a special review process, only to find out they are not going to follow through with the credit and also won't update my escrow moving forward. 

It seems like they continue to give me misinformation and don't actually follow through on helping. Please help!
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. Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the account completely from my Credit Reports : XXXX XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple hard inquiries on my credit report that does not belong to me
Product: Credit card

Chase BankHave put my account as a charge off and now a collection agency is trying to get interest off on a XXXX dollars which now is XXXX dollars from XXXX years ago. In XXXX to XXXX I had a nerves break down and could not work an when I did work my hours were limited. I received short term XXXX and called Chase Bank they told me not to use it that I was covered under my protection plan. Some time later they said they would put me under hardship program never heard from them again now a year XXXX got a letter at work for the XXXX and again this year from my personal office last year I was not making enough to be garnished this year they 're trying again what can I do. My number is XXXX please call
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect account was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XXXX and TransUnion was XX/XX/2022, but no answer was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified account without any proof provided, within the time allowed by law, is not authorized. The account listed below is still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX XXXX Balance : {$24000.00}
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 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. 
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 XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

accordance with the fair credit reporting act XXXX  account # XXXX, has violated 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: Checking or savings account

I had an open checking account with Wells Fargo until XXXX my charges were not being processed by the time I made it, but rather by the amounts being spent, strategically causing an overdraft and overdraft fees which would make me actually overdraft and then cause another overdraft fee. This caused my account to fall severely in the negative causing the account to be frozen, ultimately closing my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a letter to them a long time ago and I do not see results, I'm still in the same place where I started. It's not the first time, I still with the same information inaccurate.
Product: Money transfer, virtual currency, or money service

Since XXXX, I am no longer able to make payments online to PayPal Credit which is financed by Synchrony Bank. When I try to make the payment, I get the following error message : Sorry, there was a technical error. 

Please try again later. 

I have called Paypal and they insist only Synchrony Bank can fix the problem and Synchrony Bank insists only Paypal can fix the problem. I have had a conference call with Agents of both companies at once and both pointed the finger at the other and told me there was nothing anyone could do. Synchrony claims they can no longer see my linked bank account but this bank account shows as linked through PayPal. PayPal unlinked and then re-linked the account to no avail. I have tried different browsers using desktop computers and I have tried the mobile app but nothing works.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, XXXX refused to correct my current score with them back to pre-student loan debt transfer. It is not my fault I should be punished for something FedloaXXXX and XXXX did when reporting their transfer. I did not abruptly pay all my debt off and get myself into debt again. XXXX corrected my score when they first mistakenly added double my debt. There is absolutely no excuse for their refusal to say there is nothing they can do about it regarding interpreting the debt transfer.
Product: Checking or savings account

I demanded a refund for services charged but not authorized by me for the amount of {$180.00}. The idiots thought it was about identity theft and bungled the whole process. I am frustrated they can take money with no accountability.
Product: Credit card

This is my second report on the CFPB regarding Barclays credit card. I have requested of Barclays Credit Card to change my number on file. They advised me to fax in a copy of my social security card and drivers license which I did. They told me that the picture wasnt clear enough and they went ahead and changed my name on file without my permission instead then they locked my card and online access. I called them back this time and request them to fix my name on file and to change my number as requested. They again told me to fax the same documents over again which I did 2 more times and they said they havent received it. Then Barclays told me to mail a copy of my social security card and driver license since they didnt receive my faxes. I mailed in a copy of my social security card and drivers license as they said along with a note asking to fix my legal name on file and update my number on file. 3 weeks later when I called Barclays credit card they are saying that I need to send a utility bill and my front and back of my Social security card. I sent in my bank statement and a utility bill and also sent the front and back of my social security card on XX/XX/2025 through the USPS mail. I called back Barclays on XX/XX/2025 and they are saying nothing been received again. This is an ongoing situation for 4 months now or more. I need someone that can actually help I am sending in my documents but no one receiving them.
Product: Credit reporting, credit repair services, or other personal consumer reports

They lied again they didnt do an investigation, lol at my complaint- I am disputing another company then they are replying about! the XXXX  at Equifax strike again! Fake!! 

Read this complaint! XXXX. They are on XXXX  or something this is getting worse everyday!
Product: Mortgage

Request the errors recorded by XXXX XXXX XXXXXXXX, XXXX. ( XXXX ) on the Deed of Trust to be corrected. Otherwise, it appears to be fraud - actions of double-dipping, falsifying documents, etc. 

I had a loan with XXXX for almost 14 years ( Loan Account # XXXX ). Then under Goldman Sach ( GS ) in XX/XX/XXXX, I was instructed to start paying Select Portfolio Servicing. 

I recently just received " 2 '' Deeds of Trust that XXXX recorded on " 2 '' different occasions with the XXXX XXXX XXXX XXXX, Maryland Land Records Office - both in XXXX. The 2 XXXX XXXX XXXX have 2 individually new mortgage account numbers : 1. Loan Account # XXXX ( recorded XX/XX/XXXX ) 2. Loan Account # XXXX ( recorded XX/XX/XXXX ) Both Deeds of XXXX identify the original terms set with my ex and me back on XX/XX/XXXX - like we still owe the original principal sum of {$540000.00} and interest. Neither Deeds of Trust identify the true terms that changed in XX/XX/XXXX under XXXX that include, but not limited to, solely having me as the debtor, decreasing the principal sum to {$320000.00} and canceling the FHA insurance received under a XXXX Department of Justice loan forgiveness modification. As a result of the agreement set forth between XXXX and me, I solely received a IRS 1099-C form from XXXX, cancelling and discharging debt of {$410000.00} in principal. I have never been late with a payment. 

The " XXXX '' Assignments of the DT that MUST BE CORRECTED are formally between XXXX XXXX  XXXX, NA, the Assignor, and Assignee ( s ) : ( 1 XXXX XXXX XXXX Trust National Association ( recorded XX/XX/XXXX with XXXX XXXX XXXX by Residential RealEstate Review, Collateral Document Services ) NOTE : XXXX XXXX XXXXXXXX XXXX XXXX is the sole owner trustee for XXXX XXXX Securities XXXX XXXX at the c/o Select Portfolio Servicing XXXX XXXX XXXX XXXX AND XXXX XXXX ) Goldman Sachs Mortgage Company ( recorded XX/XX/XXXX XXXX XXXX XXXX XXXX by XXXX XXXX XXXX XXXX XXXX, Collateral Department ) The errors recorded by Bank of XXXX, XXXX. ( XXXX ) on the Deed of Trust to be corrected immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had done an investigation on my credit report which caused me severe XXXX to me due to me finding inaccurate, unverifiable, questionable, predatory and fraudulent even. 

The item on my report is the following : Account name : XXXX XXXX Account Type : CHARGE OFF ( Closed account ) Amount due : {$1200.00} Date placed on my report : XXXX Your agency did not make sure it was reporting as 100 % correct. 

In ordinance with the Fair Credit Reporting Act, everything has to me 100 % accurate on my credit report, and under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these account ( s ) are in violation not reporting 100 % accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY XXXX CREDIT REPORT CONTINUES TO REPORT THE XXXX XXXX XXXX XXXX ACCOUNT XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX ( THE X 'S ARE INVALID BY CREDIT REPORTING STANDARDS ALONE ) XXXX XXXX XXXX XXXX, TN XXXX XXXX ( XXXX ) XXXX pertaining an invalid account number. This falls under inaccurate/false reporting and must be DELETED PERMANTELY AND IMMEDIATALEY FROM XXXX AND TRANSUNION CREDIT REPORTING BUREAU 'S . DUE TO LAW PASSED EFFECTIVE XX/XX/2017 NO JUDGEMENTS ARE TO BE REPORTED ON NEITHER 3 CREDIT BUREAUS. THIS IS ILLEGAL!
Product: Credit reporting or other personal consumer reports

FCRA 605B stipulates the necessity of removing any incorrect accounts from my credit report. Could you please double-check the documents? Some of the listed accounts exhibit inaccuracies in their reporting.
Product: Money transfer, virtual currency, or money service

I applied for a job online and got sent over to XXXX where I got into a job called sears and began working on a site called XXXX. An agent on XXXX explained how everything works and the first few days seemed easy I didnt have to spend any money, instead I was making it. Im in the XXXX, Im a XXXX  I was looking at a new way to earn some extra income, at least online because I dont have any sort of transportation to go and get another job. About the XXXX day I had to blow about {$1800.00} and I let myself get scammed into paying money. The agent said if the product order that we send reviews on is more than the commission for the product then your account will go negative. My account for XXXX is now - $ XXXX and they expect me to break even with that negative number to be able to finish the final product review to where they will let me withdraw more than $ XXXX. Like I said I let myself get scammed I dont have the money to pay that negative number and I wan na find a way to hopefully get my money back but idk what to do so I need help!
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the unauthorized access and disclosure of my personal information due to a data breach involving your company. Pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I demand an immediate investigation into this matter and a full resolution.

This breach has exposed my sensitive personal data, putting me at risk of identity theft and other fraudulent activities. As required under the law, you are obligated to ensure the accuracy, privacy, and protection of consumer information. I expect prompt action to : Investigate and address the breach.

Remove any inaccurate or unauthorized entries resulting from the incident.

Provide me with a detailed report of your findings.

Please confirm receipt of this dispute in writing and respond within the 30-day time frame mandated by law. Failure to act may result in further legal action to protect my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a charge-off reporting on my credit file with XXXX. I have disputed the account as it is not mine and can not be verified as such twice, through there online dispute system. Both times they completed their investigation, I was told the account was " verified '' accurate and that it would remain on my credit file. So I decided to dispute via mail this time, I mailed my letter and identify verifying documents XX/XX/2020, and today XX/XX/2020, I received an update via email saying my dispute was resolved and the again the account was found to be verified. In each of my credit dispute letters, I have demanded to be shown an original contract stating that I established the account in question. They have not provided saif information and have not deleted the unverified account.
Product: Debt collection

XXXX XXXX stated that I owed them XXXX. I never received a detailed bill explaining this information. One month they just stated I owed them this massive amount and it was due to a billing error on their part for data from months prior, where they hadn't calculated data correctly. I informed them that if I had used the data they should have not allowed me to go over because I had limits in place set up with my plan to keep this from occurring, and was never notified of the increase in usage. 
It was so funny because it was prior to them switch to unlimited and they were trying to get me to negotiate a new contract. However, I was appalled by their tactics to try to wheel me in. Like we will forgive you if you sign another contract. I never did anything wrong it was their error to begin with.
Product: Debt collection

On XXXX XXXX 2018, I received a debt collection notice from a XXXX XXXX XXXX, phone number XXXX ext. XXXX, fax # XXXX, on behalf of XXXX to collect a balance of {$110.00}. I have called XXXX numerous times and tried to settle this matter. I even have evidence stating that I never had any service from XXXX and that everything was taken care of and I should receive a final bill showing {$0.00} owed. I also received a confirmation number also. I have evidence that XXXX should n't be charging me for anything because I never had their service turned on because for three days someone was supposed to come turn on my phone service so that I could have internet also and XXXX never showed up and it seems they are trying to charge me from the time that I ordered internet and phone services from them over my cell phone. I will attempt to send all of my evidence on Friday the XXXX if I can make it to the post office because I live in Virginia and we just got hit with a major blizzard on Wednesday evening, over a foot of snow. I will try to send certified letters stating that I do n't owe this balance to the North Shore Agency and XXXX and you, the CFPB will receive one also along with my documentation showing my proof that i should n't owe XXXX anything.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX Phone : XXXX ( XXXX ) XXXX Date : XX/XX/XXXX Dispute Department TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX XXXX : Dispute of Bankruptcy Entry on My Credit Report Dear TransUnion Dispute Department : I am writing to formally dispute a bankruptcy entry that appears on my credit report. According to 15 U.S.C. 1681c ( a ) of the Fair Credit Reporting Act ( FCRA ), certain adverse information, including bankruptcy entries, must be removed from a consumers credit report after a specific period of time.

The bankruptcy in question may be outdated or inaccurately reported. Therefore, I am requesting that you investigate and, if necessary, remove this entry from my credit report.

Under 15 U.S.C. 1681c ( a ), consumer reporting agencies are prohibited from reporting certain types of adverse information after the following timeframes : Bankruptcy cases filed under Chapter XXXX must be removed after 10 years from the date of filing. 
Bankruptcy cases filed under XXXX  XXXX must be removed after 7 years from the date of discharge. 
The presence of this bankruptcy on my credit report may no longer meet the permissible reporting period outlined in the law. If the entry can not be verified or if it exceeds the time limits specified, I request its immediate removal. 

Please investigate this matter and provide a written confirmation once the investigation has been completed and the necessary corrections have been made. 

Thank you for your prompt attention to this matter. Please do not hesitate to contact me if you require any additional information. 

Sincerely, XXXX XXXX XXXX 15 U.S.C. 1681c ( a ) Requirements Relating to Information Contained in Consumer Reports This section of the Fair Credit Reporting Act ( FCRA ) outlines time limitations on how long certain negative information can appear on a consumer 's credit report : Bankruptcy cases filed under XXXX  XXXX must be removed after 10 years from the date of filing. 
Bankruptcy cases filed under XXXX  XXXX must be removed after 7 years from the date of discharge. 
Other adverse information, such as late payments, collections, and charge-offs, must be removed after 7 years from the date of the original delinquency. 
This law ensures that outdated and damaging information does not remain on a consumers credit report indefinitely, protecting consumers from undue harm to their creditworthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

They are reporting inaccurate information on a paid off account. {$150.00} at the place where the debt come from but its still have it reporting on my credit report.
Product: Checking or savings account

I HAVE ASKED KEY BANK TO REMOVE NEGATIVE ITEM FROM MY CONSUMER REPORT. CHECKING ACCOUNT # XXXX SAVINGS ACCOUNT # XXXX KEY BANK IS REPORTING CHECKING ACCOUNT FRAUD ON THESE ACCOUNTS. 
I HAVE NEVER BEEN INVOLVED OR DONE ANY TYPE OF FRAUD. 
I EVEN CONTACTED KEY BANK SEVERAL TIMES AND THEY SAID THEY CANT ACCESS THE ACCOUNTS ANYMORE FOR ME TO DISPUTE. 
I EVEN ASKED FOR PROOF AND THEY PROVIDED NONE.

AND I CONTACTED THE FRAUD MANAGER XXXX XXXX AND SHE IS NOT RETURNING MY CALLS THESE NEGITIVE ITEMS ARE REPORTING TO EARLY WARNING CONSUMER SERVICES. I NEED THESE ITEMS REOVED ASAP CAN SOMEONE PLEASE INVESTIGATE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unauthorized inquiries one late payment and one account that does not belong to me see enclosed letter
Product: Debt collection

I contacted the company " professional debt '' letting them know that they have an account on file with my information that was fraudulently created. I have never done business with them or any of the clients that they represent. This account is the result of identity theft which I proved to them multiple times yet they refuse to remove my information from their systems. I demand that this file is blocked from my credit report immediately. they are trying to blackmail me into paying a debt that is not mine. I will be taking this to court if it is not resolved in 21 days. I will be suing for defamation of character.