23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

As of XX/XX/XXXX ; My last payment of {$3500.00} was received by the online loan company XXXX XXXX XXXX XXXX ). But, they are saying that I still have a pay-off amount of {$1500.00}. That's impossible, seeing that my original loan was {$3500.00} when the loan was awarded at the end of XX/XX/XXXX. XXXX has been reporting the balance incorrectly for months. This loan has no amount due, since the XXXX pay-off. They refuse to provide an account payment history/details online or a written statement. Showing how much interest is being charged and what the true account balance is after or before a payment. It seems that their accounting records are being falsified.
Product: Mortgage

US Bank has had XXXX my sellers files under review for short sale approval for the XXXX time since XXXX. The file was completed and sent to a negotiator for a new BPO to be ordered and a new value to be placed on the property. I notified the bank several different times regarding the condition of the property. There was a break in about a year ago and all of the plumbing, electrical has been removed from the home.. US Bank filed an insurance claim against the property for the damage done, but never did fix anything. I was notified by my new negotiator that the BPO was in. That was strange due to the lock box never being opened since XXXX of this year. I asked when the BPO agent was there and he said the XXXX week XX/XX/XXXX. I told him about the condition of the property and he told me the BPO did not have any of this info on it and the pictures that they had also did not indicate the CURRENT condition of the property. I was told by this negotiator that he was just going to close out my file since the BPO and insurance claim were not on file for him to see and our offer was not meeting their VALUES. I told him that I was going to dispute this value and the validity of the BPO. the pictures they have on file are supposed to be from this XX/XX/XXXX, which is impossible since no one has accessed our key box XX/XX/XXXX. There is apparently FRAUD going on here because the negotiator will not investigate this discrepancy or find out why the BPO agent stated this was a recent value. I sent the negotiator the inspection report along with color pictures. bids to repair this work along with the buyers counter offer XXXX. The new assessors value for taxes show the value to be about XXXX which is FAR less than the XXXX value that they have place on it under a BOGUS valuation. This is fraud!
Product: Credit reporting, credit repair services, or other personal consumer reports

sent ftc violation and all the documents that proof of the violation to have it deleted XX/XX/2019 Source XXXX Date Submitted XX/XX/2019 Estimated Resolution Date XX/XX/2019 Report Number XXXX Account Number XXXX Company XXXX XXXX XXXX Synchrony bank sam s club XXXX XXXX synchrony bank sam s club XXXX XXXX Open Date XX/XX/2019 XX/XX/2019 XX/XX/2019 Balance {$4400.00} {$4400.00} {$4400.00} Collection Debt {$4400.00} {$4400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I mailed XXXX, XXXX andd equifax letters disputing inaccurate accounts on my credit reports. The companies have failed to respond to me within or after the 30 days from the first dispute letter was sent out.
Product: Credit reporting or other personal consumer reports

I

n a ccordance 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. 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: Checking or savings account

The day of XX/XX/2024, I received a phone call from Wells Fargo Bank XXXX stating that they had suspicious activity on my bank account. They proceeded to state my full name and read about my previous transactions. In addition, they mentioned transactions that I did not approve. Then they said that protection of my identity was required at that time, and they said they would send a code to my phone to confirm that it was me. I read the code back to them, and they scan me. They added four people to my XXXX and withdrew {$3500.00} from my savings and checking account. At the moment of the first transaction, my husband called the customer service line of Wells Fargo Bank to report the scam and request the bank account to be frozen, but the person from the bank took so long that the scammer was able to take all the money from the accounts. After that, we reported the XXXX fraud to the bank, and they sent me a letter stating the request for my money back was denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent XXXX, Experian and XXXX letters disputing inaccurate information being furnished on my credit report. I sent in my identification as well, but the inaccurate accounts are still being furnished. I never gave XXXX, Experian or XXXX consent to furnish this information which is a direct violation of my federally protected rights.
Product: Debt collection

XXXX continues to contacted me XXXX x consecutive times during work hours and told them to contact me after XXXX XXXX for a Capitol One credit card for {$330.00}. XXXX have failed to protect my rights so I am requesting them to cease and desist since they are in current violation of my consumer rights. 

Debt Collector Information : XXXX XXXX ( Representative : XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
Product: Mortgage

Since I have contacted mortgage company ( SPS ) in terms of escrow issue with over charging analysis, they didn't fix this problem properly. 
They didn't refund my additional escrow payment for 3 months. Following is the amount. I paid {$2900.00} with additional escrow fee {$990.00} in XX/XX/2022 ( draft day ) I paid {$2900.00} with additional escrow fee {$990.00} in XX/XX/2022 ( draft day ) I paid {$2900.00} with additional escrow fee {$990.00} in XX/XX/2022 ( draft day ) They have to refund {$2900.00} in total ( {$990.00} XXXX XXXX = {$2900.00} ). 
I contacted them so many times with this issues. They are not listening and just repeat same words with a wrong analysis report. It seems like they are stealing my money. It is so stressful.
Product: Credit reporting or other personal consumer reports

Request for Investigation Evidence and Resolution of Fraudulent Accounts under the Fair Credit Reporting Act ( FCRA ) Failure to Fulfill FCRA Obligations Dear Equifax, I am writing to formally follow up on the dispute I submitted to you on XX/XX/year> regarding a fraudulent account that appears on my credit report. As I have previously stated, this account is the result of identity theft, which I have reported to the Federal Trade Commission ( FTC ) and documented through a police report.

Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a reasonable investigation into any disputed information on my credit report, and notify me of the results of the investigation within 30 days of receiving the dispute. Additionally, Section 611 of the FCRA stipulates that I am entitled to receive evidence of your investigation, including verification of any actions taken by you or the data furnishers ( creditors ) to resolve the dispute. 

To date, I have not received a response that satisfies the FCRA requirements, nor have I been provided with evidence of your investigation into the fraudulent account. Specifically, the account in question is as follows : XXXX XXXX XXXX XXXXXXXX This account was opened as a result of identity theft, I respectfully request the following from you : Evidence of the Investigation : Please provide detailed documentation of the investigation you conducted, including copies of any communications with the creditors or data furnishers associated with this fraudulent account. 
Verification of Actions Taken : Provide a clear, detailed summary of the actions you took to verify the accuracy of the disputed account, including the steps you followed to confirm the legitimacy of this account, and the results of your investigation.

Account Blocking Confirmation : As required by the FCRA, I request that the fraudulent account be blocked from my credit report. If this account has not yet been blocked, I ask that you explain why this has not been done. 
Please provide me with an updated copy of my credit report showing the results of your investigation, including the removal or correction of the fraudulent account. 
I would like to remind you that under Section 611 of the FCRA, you are required to respond to this dispute within 30 days. Failure to provide the requested documentation and evidence of your investigation will result in further action, pursuing potential legal action for failure to comply with the FCRA. 

Please consider this a final request for resolution of this matter. I expect to receive a clear response and the requested evidence within the statutory 30-day period. Thank you for your prompt attention to this issue. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone tried to open new credit cards and lines of credit in my name and were denied. This caused inquiries to be added to my credit report causing my credit score to go down. XXXX XXXX- Hard Inquiry XXXX XXXXl- Hard Inquiry Suntrust- Hard Inquiry Suntrust XXXX- Hard Inquiry
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not liable for this debt with XXXX. I do not have a contract with AFNI, INC.They did not provide me with the original contract as I requested. 

If after reinvestigation under paragraph ( 1 ) of any information disputed by the consumer, an item of the information is found to be incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item as appropriate, based on results of the reinvestigation.
Product: Debt collection

Debt collector is in violation of the FDCPA. It violated my privacy and parked debt on my credit report ( s ) without my knowledge. Please see attachments.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It XXXX Concern XXXX XXXX XXXX XXXX XXXX, CA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( XXXX ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX - REPORTED XX/XX/XXXX - XX/XX/XXXX ADDRESS : XXXX XXXX XXXX, XXXX, FL XXXX - REPORTED XX/XX/XXXX - XX/XX/XXXX REMOVE THIS NOTICE FROM MY CREDIT REPORT. I DONT HAVE A TRANSPORTATION SERBVICE THESE NAME VARIATIONS DO NOT BELONG TO ME NAME : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX NAME : XXXX XXXX XXXX NAME : XXXX XXXX XXXX XXXX Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( XXXX ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past XXXX months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( XXXX ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( XXXX ) ( B ) ( XXXX ). You are bound by XXXX XXXX to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Checking or savings account

I had a hold on a XXXX savings account with Capital one. I was given a check for work which an XXXX XXXX of mine deposited. Since XX/XX/XXXX their has been a hold. We have verified the issuer and my funds have been held since. it is a substantial amount ( $ XXXX ). Today I check my account and I see that the funds were withdrawn without any notice and or call. I have been attempting to contact Capital one to find out whats been going on and havent had an answer from them. The withdrawal occurred XX/XX/XXXX. And Appears as " Customer Withdrawal Hardhold ''
Product: Credit reporting or other personal consumer reports

AFFIDAVIT OF TRUTH AND FACTS I XXXX  ; XXXX XXXX XXXX XXXX do not go by any A.k.a. names. I do not buy or purchase nor request funds or credit extensions or such the like in any other names and all listed by XXXX if inaccurate and false. I have mailed a copy of the requested information thereto XXXX XXXX and they have continued to report inaccurate and false fraudulent information that does not concern me nor my history as a XXXX XXXX XXXX  nor as a consumer. I do not use my name in all capital letters and nor am I XXXX XXXX XXXX that is an LLC Estate Trust and im the beneficiary of said irrevocable trust. XXXXt ; XXXX XXXX XXXX XXXX. I am not involved in any student loan payments have never made any payments thereto the alleged information being reported by XXXX XXXX, .. claiming I am making payments or paid as agreed. This information thereto such or said student loans and or multiple student loans claiming pay as agreed using addresses that are not on my personal and private identity cards statements and documents. XXXX is the only consumer reporting agency reporting inaccurate information as to my credit consumer reports and are 100 % inaccurate. 

I do not have any Also Known as Names this is being reported presumptuously by a law firm located near XXXX XXXX, named XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have filed claims against this law firm and those whom they claim to represent and have won multiple claims with writ of executions being collected. This information is simply a retaliation attempt and I am interested in seeing the actual documents they will respond with as XXXX XXXX, as they have slandered my good name and credibility. I have not relationships with any creditors they have listed in their system nor do I have said addresses they claim I live at. 

My mailing address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX NV XXXX I also have the mailing address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. I am a XXXX  XXXX XXXXl I am not a XXXX XXXX  XXXX nor am I XXXX. This is also mentioned by the reports as my title nobility and appellation only ties me to my indigenous heritage as an XXXX XXXX  XXXX XXXX and nothing more nor less. 

XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You are not allowed to share my private information with anyone especially those involved in legal matters without my consent or knowledge as well you are not to speak nor share my private information addresses and location as well credit numbers without my consent.
Product: Money transfers

On XXXX XXXX 2016, I had transferred {$2200.00} to my bank account in XXXX using transfast money transfer facility ( XXXX ) value+ option, and the estimated date of delivery of funds as per the receipt was XXXX. On XXXX, when I checked the status of the transaction in TRANSFAST website, the transaction was marked as completed. Since the transaction was completed, I did not bother to check my bank account ( in XXXX ) then. On XXXX, when I checked my bank account ( in XXXX ) to make a transaction, that 's when I realized that the funds were not transferred by TRANSFAST, even though their website still continued to mark the transfer as completed. I immediately called up the customer care for transfast to file a complaint about this issue, and they informed me that, the account was credited on XXXX ( though their website said it was delivered on XXXX ), and if I did not receive the money, I will have to send an email to their customer care with a screenshot of the bank account ( in XXXX ). Finally I sent them a screenshot of the bank account ( in XXXX ), and the issue was forwarded to transfast 's XXXX partners for researching. After researching for 2 days, I got a reply from transfast that " the XXXX partners have investigated the issue and the recipient 's bank has rejected the transaction '' and the amount will be refunded back to my account in 5-7 business days. Each of their statement indicates there is fraud going on and complete lack of transparency. I tried reaching out to the customer service for answers to the following questions, but I am not getting appropriate answers in-spite of repeated emails - 1 ) What was the reason indicated for rejection by recipient bank, and the date of rejection? I have spoken to the recipient bank ( as it was my own account ) and they indicated that they would reject a transaction only when a parameter like the account no or XXXX XXXX ( similar to routing # in US ) was wrong. I believe transfast 's partners in XXXX have used incorrect information to make the transfer, because I have been transferring money to the same account for the last XXXX yrs, and there has been never an issue. 2 ) If the transaction was rejected, how was the transaction marked as completed on transfast website? If I had not come back and raised this issue, it would have been still marked as completed and this is fraud. 3 ) If the transaction was rejected, why was it not communicated to me and why the money was not credited back to my account immediately or within a reasonable amount of time ( 5-7 business days as indicated in agreement ), but instead transfast retained my funds until I filed a complaint? Also transfast is giving inconsistent/false statements - website says transaction delivered on XXXX, customer care says transaction was delivered on XXXX, and now XXXX partner ( for transfast ) says transaction was rejected by recipient bank. Which of them is true?
Product: Credit reporting or other personal consumer reports

I recognized a large amount of fraudulent hard inquiries on my report today XX/XX/year> and this keeps happening. I need to have a solution as soon as possible because this is affecting my reputation tremendously.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing my credit file & came across numerous items which I did not recognize, know existed or authorize. I contacted the companies to inform them of the issue. They instructed me to file a complaint with XXXX & credit an identity theft report for their records. The following information listed is inaccurate & opened due to identity theft. Please see the following information is blocked from my report as I did not benefit or receive any goods or services from these items. Here is the list of information I need removed/blocked from my credit reports : inquiries : XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX .The account : XXXX XXXX Balance Owed : {$11000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account ... I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX ( Original Creditor : 01 XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : 01 XXXX XXXX XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

After I filed my initial complaint against loanmart and it's false information being reported on Experians platform starting in XX/XX/XXXX they entered false information and increased the balance owed with the payment missed and marked it current avoiding charge off or any alert being sent as the account was marked current this continued until they charged it off during a home equity loan after I asked for an explanation for the false reporting and inflated balance they then marked it 180 days late then current adding the payments missed to balance owed and continued to do this until it reached XXXX and finally stopped today I went to look at my report and they nice again altered my report to show all the months that were current now show up as a charge off starting in XX/XX/XXXX no payment history from XX/XX/XXXX and left the inflated balance at XXXX as after trying to give the appearance of doing the correct thing I documented my report monthly and all e mails with them and XXXX for allowing their system to be used to harm consumers inflate assets and destroy the people who have less of a chance to fight them this is ridiculous causes financial harm and they are purposely doing it I included. Credit report and the new report showing the entire thing and the intentionally harm being done to me they are purposely and intentionally doing this and after inflating XXXX  banks assets I assume can not correct it or anything else without an accounting issue for then and XXXX bank my next step if this isn't solved will be to ask the sec about the rules and laws involved in inflating assets false reporting and accounting and how many accounts are inflated to the benefit of XXXX  bank and loanmart.