23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

AFTER 5 MONTHS OF FIGHTING WITH COMENITY BANK TO REMOVE INTEREST THAT THEY WERE NOT DUE. THEY HAVE PLACED THE REFUND IN THE CLOSED ACCOUNT AND ARE HOLDING MY CHECKING ACCOUNT INFORMATION XXXX WITH TWO FRAUDULENT CHARGES THAT THEY HAVE NOT REMOVED, AFTER TELLING ME IT WOULD TAKE TWO BUSINESS DAYS FROM XX/XX/2022 TO REMOVE THEM. THEY SENT ME A MESSAGE TELLING ME TO CONTACT THEIR FRAUD DEPARTMENT - TO BASICALLY REPORT THEM TO THEMSELVES ( COPY OF MESSAGE ATTACHED )! I AM TIRED OF GETTING THE RUN AROUND FROM THEM, THEY HAVE AN I.T. UPGRADE PROBLEM SINCE XXXX THAT THEY HAVE NOT RECTIFIED AND THEIR CUSTOMERS ARE SUFFERING THROUGH THIS ORDEAL THAT THEY HAVE MADE WORSE INSTEAD OF BETTER.
Product: Credit reporting or other personal consumer reports

On my credit report that I pulled on XX/XX/XXXX Santander Consumer has reported my account for XX/XX/XXXX as missed. Reporting 3 missed payments which is untrue. I was on a Deferment for XX/XX/XXXX and XX/XX/XXXX. Santander Consumer agreement letter is attached showing Deferment dates as proven that I didn't miss this payment.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that appears on my credit report as maintained by Experian. This letter serves as my official notice of dispute under the Fair Credit Reporting Act ( FCRA ) and other relevant statutes. 
Report Number:XXXX  Experian & XXXX XXXX XXXX reports this accounts is POTENTIALLY NEGATIVE when in fact this account has been settled since 2023. XXXXXXXX XXXX XXXXXXXX in return was supposed to delete this off my credit report but instead left it on my credit report! Now I've disputed with Experian stating this account is inaccurate. But their was response were it's Accurate and Verified! Okay so here 's the problem either Experian is lying or XXXX XXXX XXXX. by law under the FCRA act and FDCPA I have the right to sue both business for reporting Fraudulent information. This is damage to my credit worthiness moving forward for future loans or home purchase. This needs to be removed from my credit report immediately.

Legal Basis for Dispute : 15 U.S. Code 1681 : The FCRA mandates accurate and fair credit reporting.

15 U.S. Code 1681e ( b ) : Requires consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of the information in consumer reports.
15 U.S. Code 1681s-2 : Addresses the responsibilities of furnishers of information to consumer reporting agencies.

15 U.S. Code 1681i ( a ) ( 5 ) : Details the procedure for the deletion of inaccurate, incomplete, or unverifiable information. 
Specific Dispute Details : I am disputing the following inaccurate information on my credit report : Account/Item Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Specific Inaccuracies : Paid, Closed. 
This information is incorrect and must be investigated and removed. 

Affidavit of Truth : This affidavit is made pursuant to the Fair Credit Reporting Act as codified at 15 U.S. Code 1681. I do not consent to any automated scan response or e-OSCAR verification methods.

Certification : I certify under penalty of perjury under the laws of the United States of America pursuant to 28 U.S.C. 1746 ( 1 ) that the foregoing is true and correct. 

Supporting Documentation :
Product: Money transfer, virtual currency, or money service

I had {$6400.00} deducted from my checking account via Pay Pal unauthorised and closed my checking accoun.t I reported fraud to Paypal and have to wait 10 days for a response meanwhile Paypal are waiting for a response from the thief. His email is XXXX I attmpted to close my pal pal account down but they will not allow me, and I do not wish to use Paypal ever again.
Product: Student loan

Wells Fargo refuses to work with my daughter in any way. They have stated the amount she must pay every month and despite the fact that she does not make enough money to do so, they will not compromise in any way. Their interest rates are absolutely ridiculous also.
Product: Other financial service

CFPB ComplaintI have a small business. A former associate fraudulently obtained a check made out & printed payable to my business, ( the payee ). This person Hand wrote their personal name on the check and cashed/deposited it at Bank of America. They also endorsed this check with their signature. Effectively this person stole this check for {$20000.00}. In USD which was payable to my business. Bank of America, upon filing a Demand letter to have these funds returned to the appropriate Payee, ( My Business ) is quoting state Law for Washington State for which they are not governed by, in using the statute RCW : Revised Code of Washington : XXXX Conversion of Instrument. This is an inappropriate and irrelevant quoting of regulatory statute. This is apparently being used as an Excuse for the purpose of not returning the fraudulently cashed funds into their bank. The Bank of America is governed by the OCC and not by State codes further. This check was printed with my business legal entity Name which is primary in the Payee endorsement of check payment instruments. It is fraudulent to cash or deposit a check to an account to any other account not associated with the printed intended Payee account, particularly without any primary payee endorsements or notifications. I request the CFP make notification to Bank of America this transaction was fraudulently cashed or deposited and payment to the appropriately intended Payee must be made immediately. Further, I request any and all legal notification of the OCC governance and appropriate banking or check fraud notifications be made to both myself and bank of America Fraud department Via : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Phone Number XXXX Address : XXXX XXXX, XXXX XXXX XXXX, XXXX, WA, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report Experian is showing an address of XXXX XXXX XXXX XXXX XXXX and a PA address of XXXX XXXX XXXX XXXX XXXX, XXXX. I have never lived at either of these addresses. 

Also on my credit report due to Experian 's error XXXX XXXX XXXX has a {$6800.00} balance as a collection account - I have checked ti the other credit agencies and they do NOT have this collection account or this address on my report. 

I sent a copy of my XXXX credit report so that Experian could verify this. Further, XXXX XXXX and XXXX have removed the XXXX XXXX XXXX address from my credit file ; Experian is the only credit reporting bureau that refuses to remove the information.
Product: Debt collection

XXXX XXXX violated the FDCPA a several ways.. 
1 ) On XX/XX/2018, XX/XX/2018, XX/XX/2018 I contacted XXXX about me disputing this account. Each time afterwards I received back to back calls from them. 30 minutes apart for 5 hrs. 
2 ) On XX/XX/2018 Mr XXXX from XXXX yelled at me, threatened to sue me, told me I was a liar. 
3 ) On XX/XX/2018 XXXX called and when my boyfriend answered they gave out personal information on the collection account. 
4 ) XXXX will not provide verification of debt after it has been requested 5 times. But XXXX XXXX (? Think given flake name ) verified they had received the request from me.
Product: Credit card or prepaid card

18 months ago I submitted a {$500.00} deposit to Citi Bank for a secured credit card. I was informed that after 18 months my account would be reviewed for an unsecured account and my {$500.00} would be returned to me making my account unsecured.So the 18 months was up on XX/XX/21 of this year, I con Citi Bank to get the status and was informed that they would keep my {$500.00} another 12 months as a secured account, and I maintained my account for 18 months they claim the account was late once but it had to be me paying the account after a certain hour of the day and it got credited the fo day but never ever days late.They never explained to me that this could happened I was told 18 months. My credit is good so it couldnt have been based on that.I feel like they are discriminating against me for making this decision and feel like they will retaliate against my credit fir filing this complaint against them.
Product: Payday loan, title loan, or personal loan

I opened this personal loan in XXXX when the company was called springleaf and the branch was on XXXX in XXXX XXXX. The loan amount was XXXX and the terms were XXXX for a period 5 years,, XXXX XXXX  XXXX  the loan was to be paid off, however they came back and said that since their was a time period I paid the loan late the accrued additional XXXX  I thought this to be unfair and after calling the corporate office which is now One Main, 
(they acquired springleaf) they agreed to cancel all remaining interest on the interest and every payment moving forward would be going to principal
Around XXXX XXXX a few days before my pay ment was due I called and spoke to customer service to see if I could defer a payment since I was having a lot of car repair issues, (you see they have also held my car hostage  collateral) the car now has XXXX  miles I cant afford a new car or used because I am still paying this loan and they keep dinging my credit for late payments when they did a double deferment, So anyways I entered into a double deferment it was processed before I made the required pmnt I made up the pmnt and they still reported me to XXXX  as being late in XXXX  to XXXX  as being late in XXXX  and to XXXX  as being late XXXX and XXXX
they are literally ruining by life the only account that is hurting me Every time I call I get a new story
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to you in regards to account that is coming up on my credit report. I have absolutely no knowledge of this account and have sent letters requesting validation of this account but no avail! If they can not validate it, how can you report it? Its identity theft so why I still have this unknown item in my credit report? Only two bureaus reporting this account.
Product: Credit reporting or other personal consumer reports

am filing this complaint because my credit reports show several unauthorized inquiries that I did not initiate or approve. These inquiries have appeared without my consent, and despite reaching out to the credit bureaus to have them removed, they remain on my reports. My disputes have been ignored or dismissed without proper investigation, leaving these inaccurate inquiries to negatively impact my credit score. This situation is both alarming and unjust, as these inquiries are not a result of any actions Ive taken. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX INCORRECT ADRESSES XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Mortgage

EffectiveXX/XX/XXXX we switched from XXXX XXXX  to XXXX XXXX  XXXX for our home owners insurance coverage. Wells Fargo, continued to knowingly put into our escrow account the same amount allocated for XXXX XXXX  ( {$760.00} ) instead of for the new amount for XXXX ( {$1700.00} ). They also fromXX/XX/XXXX  - XX/XX/XXXXonly put into our escrow account 6 months worth of property taxes ( {$1400.00} ) instead of the whole year 's taxes ( {$2800.00} ). So we just received a notice on XX/XX/XXXXfrom Wells Fargo stating that our escrow account is {$3000.00} short and if we pay the amount in full our mortgage payment will increase from $ XXXX/month to XXXX XXXX/month or our other option is to pay the shortage over 12 months and then our mortgage payment will increase to $ XXXX/month. I called Wells Fargo to ask them why we have a {$3000.00} shortage in our escrow account. Their explanation to me was that our property taxes and home owner 's insurance increased. I then called our home owners insurance agent and met with him in his office and I called Wells Fargo with the insurance agent present and after an hour and a half of talking with 2 different customer service agents, the customer service agent admitted that Wells Fargo knowingly continued to allow for the XXXX XXXX insurance amount even after we had switched our policy over to XXXX and now they are requiring us to make up the difference all at once now starting XX/XX/XXXXand that they only allowed for 6 months worth of property taxes instead of the entire year 's amount, which is why they are trying to convince us that our property taxes and home owners insurance has significantly increased. They are also telling us that they now require a minimum balance of {$760.00} in our escrow account at all times for which they did not notify us or disclose to us. Our insurance agent told them that this is not right to to do that to their clients and the service agent agreed with him that it is not right for Wells Fargo to do this. This is the 3rd notice in 3 years since our Mortgage was bought by Wells Fargo that states we are short in our escrow account and that our mortgage payment is increasing. Every year our mortgage payment is increasing.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX, XXXX in my late XXXX, and trying to fix this has felt like mission impossible. 

XXXX XXXX XXXX, a debt buyer, and the XXXX XXXX XXXX XXXX have been the most difficult task I have ever encountered. 

XXXX desperate. 

I know the CFPB has inroads so please take this nightmare away from me and to them! 

THIS DISPUTE IS REGARDING ORIGINAL LENDER : XXXX XXXX XXXX XXXXXXXX in the amount of {$2600.00}. 

This trade line just appeared on my credit report. I explained it was probably a credit mix up and asked to have it removed. But my request was completely ignored. 

It was never my loan. I never applied for it and never received it. As a matter of fact, I was told that not a single payment was ever made on that note. 

I got an email offer in XXXX via email to settle the amount for {$260.00}. 

I accepted because I was tired of the calls. Every morning, before I got up they were already calling! 

But it should not be that way. The information on there is supposed to be accurate and they have a legal obligation under the Fair Credit Reporting Act 's XXXX XXXX. 

For XXXX months I have tried to have this debt either validated or deleted and Ive achieved neither. 


I mailed XXXX letters via XXXX XXXX AND RETURN RECEIPT to XXXX from XX/XX/XXXX to XX/XX/XXXX. 

XX/XX/XXXX I mailed XXXX, XXXX AND TRANSUNION a letter stating my intent to sue. 

I hope that there is resolution between XXXX and I. 

Enclosed is documentation supporting my request : the letters mailed over the last 26 months ( although they did nothing to help ). 

Please investigate this matter and delete the disputed item as soon as possible. 


Sincerely, XXXX XXXX Enclosures : XX/XX/XXXX Validation Letter mailed via XXXX XXXX RETURN RECEIPT XX/XX/XXXX INVESTIGATION REQUEST # XXXX XX/XX/XXXX XXXX Validation Request explaining why Letter from XXXX did not satisfy XX/XX/XXXX Investigation Request # XXXX XX/XX/XXXX Letter to XXXX XX/XX/XXXX Letter to XXXX XX/XX/XXXX NOTICE WRITTEN & MAILED VIA XXXX WITH EXPLANATION FOR INTENT TO FILE SUIT XX/XX/XXXX XXXX MORE SHOT AT RESOLUTION WITH CFPB
Product: Credit card or prepaid card

My account was involved in a credit breached, and I was not notified!! They had mad XXXX charges on my account! I asked them why they did not reach out to me? They claim they could not reach out to every customer! And it was my Citi bank card! They charged a total of {$29.00}, XXXX times!
Product: Credit reporting or other personal consumer reports

I recently received a copy of my ( XXXX, Equifax or XXXX ) credit report, and I noticed some late payments posted on my credit report : Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; EXPERENCES are any payments. Whether good or bad, late or on time.
Product: Debt collection

XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) is disputing XXXX XXXX ' claim, which has bee referred to XXXX XXXX XXXX XXXX XXXX, that XXXX XXXX XXXX owes XXXX XXXX {$740.00}. As we have told XXXX XXXX repeatedly in several e-mails to that company, XXXX XXXX XXXX does not believe that it owes more than {$160.00}. Until XXXX XXXX produces a contract that shows otherwise, XXXX XXXX XXXX will not pay any more than {$160.00}. Below is an explanation of our position : XXXX XXXX XXXX available accounting records show that XXXX XXXX XXXX was doing business with XXXX as far back as XX/XX/XXXX. Between XX/XX/XXXX and XX/XX/XXXX, XXXX 's monthly bill rose from less than $ XXXX to $ XXXX. The difference between XX/XX/XXXX and XX/XX/XXXX was nearly an astronomical 13 %. When XXXX XXXX XXXX realized the huge jumps in XXXX   bills, XXXX XXXX XXXX explored the competition and investigated XXXX. XXXX XXXX XXXX ascertained that the competition was charging half XXXX rate for better service and that there were hundreds of reviews on-line by XXXX customers complaining of similar price gouging by XXXX. XXXX XXXX XXXX complained to XXXX about its substantial yearly cost increases. In response, the company did not produce any documentation authorizing it to raise the rate for its services, much less apologize for basically taking advantage of XXXX XXXX XXXX. 
On XX/XX/XXXX, XXXX XXXX XXXX notified XXXX XXXX that it would no longer require trash collection from that company. At that time, a XX/XX/XXXX invoice for XX/XX/XXXX service was outstanding. The total bill for XX/XX/XXXX was {$660.00}. Because of the XX/XX/XXXX notice, XXXX performed only a quarter of the service covered by the outstanding invoice. Accordingly, XXXX XXXX XXXX position is that XXXX  XXXX XXXX owes only one-quarter of {$660.00}, or {$160.00} ( subject to XXXX producing a contract or other basis for legal entitlement to more which, despite repeated requests by XXXX  XXXX XXXX, XXXX has failed to produce ). 
We are deeply concerned that XXXX has been increasing the charges to XXXX  XXXX XXXX for over a decade at levels that were not authorized by our initial agreement with XXXX. XXXX can not possibly have had a right to increase our bills over $ 141 monthly rate that is reflected on XXXX XXXX XXXXs books. While we are concerned that XXXX actually owes XXXX XXXX XXXX funds ( perhaps thousands ), we have generously offered to pay {$160.00}. XXXX has declined our offer. 
As XXXX XXXX XXXX has informed Republic, XXXX XXXX XXXX is a nonprofit that operates on a very tight margin. XXXX XXXX XXXX can not afford to just give XXXX several XXXX dollars more than XXXX XXXX XXXX legitimately owes.
Product: Debt collection

The billing address is incorrect on the billing statement I never stay at the address shown on the bill the account is not mines. I never received notice of any bill due for any service
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, I meant to send {$15000.00} to my husband and soon realized it was not the correct recipient. I immediately tried to locate the contact information for the wrong recipient but there was no contact information available to me other than the messaging allowed within PayPal. I sent him the message that it was mistakenly sent to him and he acknowledged and asked if there was a reward for returning the funds. ( I have attached the messages ). 

It should also be noted that when I sent the funds there was no obvious contact info or phone number showing to verify it was the correct person. Also, it was very clearly shown that the funds would be coming from my bank account and as a back up from my XXXX card. There was nothing that stated it was being sent from PayPal first. ( Attached image ) I filed a dispute online immediately. However, on XX/XX/2022, I got a notice from my bank that Paypal was trying to withdraw {$15000.00} from my account again and upon logging into my PayPal account realized the dispute was not resolved. So I attempted to submit another online dispute. 

Then on XX/XX/2022, I got another notice from my bank that Paypal was trying to withdraw {$15000.00} from my account again and realized the dispute was not resolved again. I filed another online dispute and suspected there might be something wrong with Paypal 's system because each time I would hit the 'Submit ' button the page would not go to a new page but it would go to a different phase. I have attached a screen grab of the screen and it would stay this way indefinitely every time. 

Once I suspected it could be a technical issue, I called and filed the dispute. I was told to contact the wrong recipient and let him know what happened and to return the funds but there was no contact information available other than the PayPal messaging. The representative also said he would send a notice from PayPal. I messaged the person again and to this day there has been no responses. 

PayPal has now put a negative - {$15000.00} into collections against me and I believe that should be held against the person that admittedly took the funds that were not meant to be sent to him. Also, there is no contact information other than PayPal XXXX  which he is not responding to and also I was not able to verify the account prior.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at 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/XXXX with a balance of {$54000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.