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

I have been disputing fraud ACCOUNTS on my credit report. The accounts are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the accounts claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the accounts immediately! 
XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$62.00} XXXX XXXX XXXX Balance : {$40.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1800.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$840.00}
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I purchased a sofa from XXXX XXXX and opened a line of credit in the amount of {$1400.00}. I was told that within 30 days I would receive mail on how to pay the bill and access my account. I had given XXXX XXXX my correct address including apartment number. XXXX incorrectly forgot to include my Apartment in my address when opening the line of credit and I never received any mail to pay the bill or access my account. In XXXX from my bank I got a notice stating there was a late payment and credit score had dropped. I called XXXX XXXX and they gave me XXXX XXXX XXXX XXXX number to call. On XX/XX/2023 I called XXXX  and I found out the address on the account was incorrect, they made a note on the account and updated the address and they were able to give me my account number so I can log in a make my first payment. The customer service rep told me to fill out a XXXX  credit dispute form which I did towards the end of the month and mailed to XXXX. On XX/XX/2023 XXXX  sent me a mail saying that the current information being reported to the credit bureaus was correct, but it was not. On my account I can see my first 3 bills and the apartment number was not there and no mail was delivered until XXXX, when the address was corrected by me calling. 
No mail or information was sent to me to pay the bill and it was XXXX 's and XXXX XXXX  fault for not putting the correct address. Neither of them followed up through phone or email to fix the address issue. Attached are the months of XXXX, XXXX, and XXXX showing the address didn't have the apartment number. I also attached XXXX showing when the address was correct and when mail reached me.
Product: Credit reporting or other personal consumer reports

I don't know The dates or amounts of each charge but this is in my credit report. 
Discover, XXXX  XXXX are destroying my credit. Every charge. I am trying to resolve this identity theft issue and no one will help me
Product: Checking or savings account

XXXX has {$1500.00} of my money held for no apparent reason. Ive verified myself on multiple occasions and it them holding my money has caused me some serious legal and life issues.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as information requested from the list of acceptable items which is only 2 are required per the law. I have provided all documentation as well as victim determination letter according to 1022.142 ( b ) ( 6 )
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, EQUIFAX, XXXX XXXX is breaking the consumer law pertaining to : XXXX XXXX ACCT # XXXX XXXX I've uploaded documents I need this corrected immediately and this is a violation I've lost XXXX XXXX XXXX and mentally aggravation if this isnt resolved I will have no choice but to move forward with litigation. XXXX XXXX  CARD HOLDER!
Product: Debt collection

I was checking my three credit bureaus reports on XX/XX/XXXX and noticed a tradeline unknown to me listed as collections. Company : XXXX XXXX XXXX. Stated Date Assigned : XX/XX/XXXX. Stated Amount Owed : {$1300.00}. To challenge the reporting and compliance on listed account that is being reported on my credit report with incorrect/missing info. Data that appears on terminal screens to credit bureaus centre and collection agencies operators may have masking dynamically applied based on user security permissions. Not based on consumer reporting.This improper procedure is highly damaging to any consumer. Also I am very litigious in small claims court and forwarding today in contacting DEPARTMENT OF BANKING to investigate ACCOUNT RESOLUTION SERVICES. for FDCPA, FCPA also FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 - XXXX XXXX XXXX company was not able to pull my credit report from equifax to approve me for loan - this was attempted at least 5 times. 

My information is all correct and matches the equifax profile when logged in. 

XX/XX/2021 called equifax twice and was told they will not speak with me on the phone and that I need to write a letter with my ID to ask questions about why the mortgage lenders are not able to pull my file. They gave me a 30-40 day turn around time
Product: Credit card or prepaid card

Chase closed my account on the grounds of not using the card as intended which is a false allegation. The risk factor that brought them to this decision was based on the number of authorized users I added to my account in which they thought was some fraudulent activity in which I'm on a recorded line explaining that is was family members I added which is in line with the use of the card. I've spoken to higher authorities within the company which is also recorded letting them know that it was simple as reaching out to me for understanding instead of closing my account in which I've been a customer for XXXXyears, XXXX  months with no late payments. I've plead my case and they clearly stated on the phone call that I was operating within the scope of the cards intended use and if we are in agreement there then my card should have not been closed.
Product: Checking or savings account

On numerous occasions I received an email from Navy Federal credit Union stating my deposit was approved and funds were available. I was later charged over draft fees and or insufficient funds fees
Product: Vehicle loan or lease

i had a loan with kia finance- i paid the loan in full on XXXX after loan was paid in full, i did not realize that auto pay still sent another payment of XXXX on XX/XX/XXXX. I have called at least 20 times, unable to speak with anyone due to high volume of call and says to try again at later time, I have sent 3 emails to the customer service to request refund of XXXX, emails sent on XX/XX/XXXX, XXXX and XXXX I receive auto reply that says they have received message and will respond with 2 business days. I have yet to receive any responses.
Product: Debt collection

About two months ago I received a phone call from IC Systems. The women instantly wanted me to verify who I was.i I asked about what she was calling about but she reused to give me the details about the debt. Then she mentioned something about a hospital bill and I said that was impossible since I am a 100 % XXXX service connected veteran. I asked for a letter that would verify my debt and she said ok then hung up.

I have not received any letter and they continue to call. I was a victim of identity theft and in the past, I was hounded by fake debt collectors and real ones over accounts that were not mine. Because of this I do not give put any of my information unless I know for certain.

If this debt is real, the are breaking the law by not providing one in the 10 days. while continuing to Call me.
Product: Mortgage

XX/XX/XXXX attempted to make payment for mortgage online. I was unable to make my normal payment as the Mortgage company was attempting to collect {$8000.00} in addition to my monthly payment. The {$8000.00} represented an errant payment from XXXX to the local tax office. I called the mortgage company and was told they were trying to collect additional escrow to cover XXXX/XXXX homeowners taxes. Their error, although they lied and indicated the local tax office did not show me as exempt. I explained to them that as a XXXX Veteran in the State of Texas we do not pay taxes. The company claimed that they needed proof that I was in fact a XXXX veteran and that the local tax office told them that I was not tax exempt. Also they would not apply my mortgage payment until the balance from XXXX/XXXX taxes were repaid to my escrow account. I explained that I had no need for an escrow account but found nothing but deaf ears. 

XX/XX/XXXX I have provided the mortgage company with my status as a XXXX veteran as well as a letter from the local tax office showing that I had been tax exempt for years and my exempt status was still current. I also confirmed with the local tax office that they made no false claim to the mortgage company concerning my tax exempt status. Mortgage company refuses to adjust my account until they receive a refund from the local tax office. 

XX/XX/XXXX More of the same awaiting refund from the tax office and talking to the mortgage company 2-3 time XX/XX/XXXX still no refund, mortgage company remain unwilling to take my normal monthly payment. 

XX/XX/XXXX - letter received from mortgage company attorney notifying me of their intent to foreclose. Letter was generate on XX/XX/XXXX. I called the local tax office to find that the refund had been issued on the XXXX of XXXX. I called the mortgage company and was informed that they had received the refund on the XXXX of XXXX. Needless to say I was not notified. Instead, the mortgage company move forward with foreclosure?!?!?! 

I am now pending a pay off plan to bring my mortgage company but the clock is also running against potential foreclosure. They have also sent a work out application to refinance my mortgage. 

I am contacting every regulatory and consumer protection agency that will listen to the schemes of this company in hopes justice will be served. 

It is also important to note that I only owe $ XXXX against the original $ XXXX note which is only 3 years old. It seems clear this company is using underhanded tactics in order to steal the equity I have in my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian showing disputes with revolving accts for XXXX and XXXX NO SUCH DISPUTES HAVE BEEN INITIATED!!!!!!!!!!!!!!!!!! 

THIS APPEARS TO BE PART OF A LARGER PATTERN OF OBFUSCATION IN AN ATTEMPT TO REFUSE TO COOPERATE WITH AN ONGOING REAL CFPD INVESTIGATION OF INTERNAL EXPERIAN CALCULATION PROCEDURES CAUSING FALSE REPORTING OF REVOLVING CREDIT UTILIZATION RATIOS
Product: Credit card or prepaid card

I have a PayPal Extras Mastercard for a few years now. Unfortunately my current charges do not appear on my online account when I log into my Paypal.com account. I have contacted their customer service twice, one time by online Chat to no avail ; and, also by telephone to try and resolve this issue. Both times that I have contacted their customer service representatives I am told that there is a problem with their system, a glitch in the system ; however, this has been happening for months now. 
The person that I spoke with online Chat is XXXX ; and, by telephone was XXXX. 
I am concerned that without viewing my current activity online, I can not keep track of current balance, nor any fraudulent charges to my account. I try to monitor my credit card accounts to catch any fraudulent charges, or identify theft issues, before they become major problems. Unfortunately there are only three purchases/transactions listed online on my account under " Activities '' and those are old purchases. 
Can I get assistance with them keeping current with their online accounts to post all current activities. The last purchase that I made which appeared on my most recent statement of XX/XX/2020, is for XXXX  XXXX XXXX XXXX on XX/XX/2020 in the amount of {$100.00}. I am not disputing any charges on my statement ; however of all the 16 charges ; only three appeared online under " Current Activities. '' Help, please. Thank you very much. 
*XXXX  XXXX XXXX , card holder.
Product: Vehicle loan or lease

Car was paid off and it was reported as a repossession. This problem needs to be deleted and removed from my credit report.
Product: Mortgage

My total mortgage payment was very reasonable since I am retired and XXXX income. Recently I received a new statement with the intent to raise my mortgage payments by XXXX percent. I do understand it's because of escrow shortages but my problem with this raise is that someone was not monitoring the account and insurance/taxes to let it get XXXX dollars negative. Now I have to make up this shortage surprise because the increases were not caught Early enough. A XXXX percent increase a month is departmental to my monthly fiance. Should have been caught earlier with smaller increase for escrow.
Product: Credit reporting or other personal consumer reports

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. 

Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Late Payment : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

They say my account is okay but the next month it 's not. It 's been over a year and they still ca n't communicate right
Product: Credit reporting or other personal consumer reports

I had a credit card with XXXX XXXX  in XXXX that was closed because I filed bankruptcy. The account went delinquent in XX/XX/XXXX. XXXX XXXX  sold my personal information to this company without my approval. The company lied on my credit report and state I opened an account with them in XXXX. My original account was closed and I never opened another account.
Product: Credit reporting or other personal consumer reports

I want to report identity theft and would like all these items on this theft report to be remove from my credit report. According to FCRA 605B ( 15 U.S.C. 1681 c-2 ) These are the other items that could not fit on the top of the identity theft report. XXXX. XXXX XXXX XXXX : XXXX. XXXX XXXX  XXXX. XXXX Account : XXXX. XXXX XXXX  XXXX. XXXX XXXX XXXX. XXXX XXXX. So. 
XXXX. XXXX, Did not authorize these merchants to pull my credit XXXX  XXXX XXXX  on XXXX, XXXX XXXX  XXXX please remove thank you
Product: Checking or savings account

On XXXX I deposited a check from XXXX XXXX XXXX XXXX to me through the Wells Fargo app on my phone. XXXX XXXX XXXX XXXX sent me a refund from my escrow account on XX/XX/2022, as I have my home mortgage through their bank. Wells Fargo put the deposit on hold and then automatically sent me e-mails saying my checking account and savings account were being closed on XX/XX/2022 due to " one or more checks deposited to or cashed against your account suspected to be counterfeit ''. 

I immediately called Wells Fargo and the first individual I spoke with said I had to fix the problem as the check was coming back suspected of being fraudulent and would help me no further. I called XXXX XXXX XXXX XXXX and they informed me there was nothing wrong on their end. I called Wells Fargo back, another 40 min wait, and got the same answers and was told I could not withdraw the money out of my account that was not under dispute, could not close my accounts and would receive a check for the funds in my account 7-10 business days after my account are closed on the XXXX of XXXX. We disputed the ridiculousness of this as I have been a member for 20 years without any issues and have the paperwork to go with this check from another Bank to show proof of it being legitimate. The Wells Fargo employee refused to help or call the other bank with me on the line and then hung up on me. 

If it was truly suspected of being counterfeit, they are required by law to investigate it and report it to law enforcement. They are doing neither. Instead, they are refusing to help their customer and are simply closing my accounts.
Product: Debt collection

I would like to dispute two things with the medical collection agency Receivables Outsourcing. I first tried to verify and validate the debt with them via a third party company. In return, they sent an itemized statement that included personal details of the charge. This alone is a violation of the Health Insurance Portability and Accountability Act ( HIPAA ). Therefore, I sent a letter to Receivables Outsourcing on XX/XX/XXXX, 2017 stating the following : " I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofold-validation of debt and HIPAA authorization.
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Please provide a breakdown of fees including any collection costs and medical charges.
Provide a copy of my signature with the provider of service to release my medical information to you.
Cease any credit bureau reporting until the debt has been validated by me. '' I have yet to receive a response from this company and the collection debt is still listed on my credit report making a negative impact.
Product: Credit reporting or other personal consumer reports

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 XXXX XXXX XXXX. 

XXXX Bank - XXXX : # XXXX, XXXX Bank - XXXX : # XXXX, XXXX Bank XXXX XXXX : # XXXX. 
XXXX XXXX XXXX - XXXX ( Duplicate of the same accounts on record ) USDOE/GLELSI - # XXXX, # XXXX XXXX XXXX - # XXXX There are also incorrect current/previous addresses and employers list from TransUnion and XXXX. 

XXXX - My previous addresses have typos and employers are incorrect. 
XXXX - XXXX and previous address are incorrect 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

synchrony bank had a promotional offer with living spaces that was pretty good, when offered the rep did not specify that if synchrony bank runs your transunion report ( mine has a lock on it ) randomly or every quarter is what the phone rep at synchorny bank stated and it will decided to close your account rather in good standing or not. She stated it was in the terms and conditions I asked the rep what am I signing she explained but that important pieces was left out. Its been over a year since I had that account and been paying on it and now its closed. I would have paid in full if I was told this now and I would have never signed up for this and would have just paid up front. I have a balance on its now on my credit card much has dropped me significantly as I am in the process of obtaining a town home
Product: Student loan

I have a student loan that I believe was miss handles and had a lot of late fees and interest on those late fees also to include that I had to pay the late fees before they would put any money towards the payment or balance of the student loan
Product: Money transfer, virtual currency, or money service

I am writing formally to express concerns regarding Zelles handling of disputes, particularly in light of recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that covering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs 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.
Product: Credit reporting or other personal consumer reports

I am writing to formally request your assistance in investigating inaccuracies and unauthorized accounts and other inaccurate information on my credit report, which have directly impacted my ability to be approved for loans. Despite my efforts to resolve the issue with the credit reporting agencies, these discrepancies remain unresolved. The information on my credit file includes which I did not authorize or recognize. As a result, my creditworthiness has been significantly affected, leading to my denial for crucial financial opportunities, including XXXX Late Closed XXXX XXXX XXXXXXXX {$0.00} Date Open : XX/XX/XXXX XXXX XXXXXXXX {$0.00} Date Open : XX/XX/XXXX XXXX XXXX {$0.00} Date Open : XX/XX/XXXX Charge Off XXXX XXXX {$0.00} Date Open : XX/XX/XXXX XXXX XXXXXXXX {$0.00} Date Open : XX/XX/XXXX XXXX XXXXXXXX {$9100.00} Date Open : XX/XX/XXXX Repossession XXXXXXXX XXXX XXXX XXXX {$5900.00} Date Open : XX/XX/XXXX XXXX XXXX XX/XX/XXXX