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

After Divorce, my ex would not refinance the house she got in the divorce. 
I filed bankruptcy and had the mortgage discharged from me. 
It went away for years, then the mortgage was sold to a new company. They began listing it and my ex 's missed payments on my credit. I appealed to the company and the credit reporting agencies. 
Equifax refused to remove the item stating the company would have to remove it. 
The company ( at that time XXXX XXXX ) refused despite receiving letters from myself and the lawyer who handled my bankruptcy many years before showing I had discharged this debt. 
Then my ex informed me she was re-financing to get my name off it. It went away for a few months and now a new mortgage company I've never heard of has appeared on my Equifax report ( XXXX XXXX ) ( not on XXXX by the way ). 
I did an online dispute with Equifax and received an email they had completed the dispute, and I could view the results online. However their online system does not work and will not allow me to connect saying they need more information from me and providing a phone number. I called the number and went through their prompts to speak with an agent, and got transferred to a message " This is a non-working number '' and hangs up. 
So then I tried their online chat feature on the website. It connected but as soon as I began to type I received an error " You've been disconnected from the agent. Please wait while we attempt to re-establish connection ... '' it sat for a few minutes then popped up " Connection lost : Please check your connection ''. 
I've done everything I can do to get this account which is not mine off my credit, but nothing has worked. I can not afford to hire a lawyer. 
Equifax has gone out of it's way to be unaccessible and prevent actually dealing with the consumers their inaccurate information harms. 
This inaccurate information has prevented me from qualifying for credit, creating financial hardships and further distress for me.
Product: Debt collection

I have a collection on my credit that is already paid off that I would like to be taken off the collection is paid in full with, SOUTHWEST CREDIT SYS Originally XXXX XXXX XXXX XXXX Could please help me remove this off of my credit reports they are also still calling me to collect when the debt is paid off
Product: Checking or savings account

I tried to send almost {$2000.00} at XXXX and the transaction was cancelled due to having no ID. I was charged but never received the service. I was supposed to receive a refund back to my card but it never happened. My account has since been closed and I'm out of almost {$2000.00}.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the validity of an account that appears on my credit report. The accounts in questions, XXXX, XXXX, XXXX, XXXX has been reported as opened without my authorization and contains charges that I did not make. I became aware of potential identity theft and fraud concerning my personal information back in 2020. As a precautionary measure, I contacted the appropriate authorities and was advised to freeze my credit until the issue was resolved. Despite taking this action, it appears that my concerns were not adequately addressed, and unauthorized activity has still occurred on my credit report. Under the Fair Debt Collection Practices Act, Section 1692c ( e ), I am entitled to dispute the validity of any debt claimed by a debt collector. I am exercising this right and requesting immediate removal of the aforementioned account from my credit report. I urge you to conduct a thorough investigation into this matter and provide me with written confirmation of the actions taken to rectify this situation. Additionally, I request that any charges associated with this unauthorized account be removed promptly to prevent further damage to my credit standing. Please consider this letter as a formal request for resolution under the provisions of the Fair Credit Reporting Act. I expect a timely response and resolution to this matter. Thank you for your prompt attention to this issue. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I my credit was impacted by a company called XXXX XXXX. They claimed I owed them XXXX. I have never done business with this company and I have not borrowed from them. I contacted them and asked for any contracts or supporting evidence. They had no contract and removed the item from my credit. Two months ago a new company : SECOND ROUND LP at XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX or ( XXXX ) XXXX, began reporting this fraudulent debt as a new collection. This has seriously impacted my ability to do personal business. On XX/XX/XXXX, I asked them for documentation in an effort to discover the nature of the fraud. They could/would not corroborate the debt with documentation. The company has chosen to ignore me and continue to report this account as a collection each month. Today XX/XX/XXXX, experian notified me this company has again impacted my credit by reporting this account collection. Upon researching them on the XXXX site I found multiple serious complaints of impropriety and credit bullying. Please aid me in this situation. XXXX XXXX
Product: Credit reporting or other personal consumer reports

I paid this account in full on XX/XX/2024 afterwards I used the paperwork to submit a dispute with the three credit bureaus and after the dispute process my account information remained showing that the account still has a balance due and that it is charged off. I understand it will remain as charged off but it should be charged off/paid. The company told the credit bureaus that the account information was correct and that I still owe on the account. This is a false statement and I would like this company to be made aware of best practices when reporting to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to talk to someone at corporate for this dispute for my current lease of my vehicle. I have sent the same information to XXXX XXXX XXXX ATTN : Credit Dispute Team, this is just absurd that I am still dealing with these late payment notices/discrepancies on my credit report. This is my 2nd and last XXXX XXXX that I have and will buy/lease due to these issues. Now I have to turn in my vehicle which I plan on trying to sell instead due to the issues Ive had since becoming an XXXX consumer. 

Ive submitted disputes with the bureaus as told by XXXX XXXX and now I am having to email/write to a different depart to get this corrected. I went from ( 1 ) 30 day late incorrect reporting, to ( 2 ) 30 day late incorrect reporting. I am requesting these to be removed as previous indicated and confirmed by a XXXX XXXX customer service representative. Look back at my calls, notes from XXXX/XXXX, I need these corrected and removed at being late. Thank you and look forward to dealing with someone at a corporate level. Have a great day. 


This what I submitted to XXXX XXXX.
Product: Debt collection

My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit report and act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality. 

XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX, These companies has violated my rights. 

15 U.S.C 1681 section 602 A states I have a right to privacy.

15 U.S.C 1681 section 602 it also states a consumer reporting agency can not furnish an 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 dates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information related to a consumer to any reporting agency if the person knows or has reasonable calls to believe that the information is in accurate.
Product: Checking or savings account

My identity was stolen in the middle of XX/XX/XXXX, I changed all my banking to capital one 360. My first direct deposit went in onXX/XX/XXXX, the morning I checked my account and everything was frozen, could n't spend or withdraw, transfer funds. Nothing. I was on the phone all day trying to settle the matter, without any resolve. The final person said that I should know the reasons why they were choosing to end the banking relationship. And that they were sending me a paper check and I should be glad of that and hung up on me. I have yet to receive my check for XXXX from them. And now they flag me and send me immediately to an answering machine that nev3r returns my calls
Product: Credit reporting or other personal consumer reports

I am a survivor of XXXX XXXX, a form of XXXX XXXX where I was forced into accumulating debts under coercive circumstances. This situation has resulted in several derogatory marks on my credit report. I am currently being assisted by a representative from the XXXX XXXX, an organization dedicated to supporting XXXX XXXX XXXX. We are invoking Section 605C of the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to remove adverse information linked to XXXX once an official claim has been filed.
Product: Credit reporting or other personal consumer reports

Ive sent dispute letters and they didnt send back the correct information if they even sent because Im still waiting Ive did disputes in XXXX and prior dates to get back the wrong information after Ive sent updated information
Product: Credit reporting

I have a public record on file that should be deleted based upon payment and statuteof limitation. Item : XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the 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 recovering 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. 

This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

Bank of New York Mellow filed judgment XXXX against us even though we had already filed Chapter XXXX and loan was discharged XX/XX/XXXX by XXXX XXXX XXXX United States Bankruptcy Judge
Product: Money transfer, virtual currency, or money service

THEY WILL NOT LET ME CASH ANY OF MY CHECKS SOMEONE HACKED MY OLD BANK ACCOUNT AND TRIED TO CASH SOMETHING FAKE AND NOW ITS MY FAULT
Product: Checking or savings account

I was attacked and had my truck, wallet, and phone stolen XX/XX/year>. The person was able to access my phone and using the XXXX XXXX moved my funds from my bank account into the XXXX XXXX account. From there they sent the money to their XXXX party account. 
Over {$7000.00} has been stolen through these transfers. I had meeting with Well Fargo local branch XXXX, who I had checking account with and the started an investigation. I just got of the phone with the Fraud department at Wells Fargo who stated that, they were working with XXXX XXXX and XXXX XXXX decided that they felt transactions were acceptable. 

I also had contacted XXXX XXXX, and they refused to close my cash app account because I could not accurately tell them details of recent transactions. My account I can not access as the thief has changed passwords and everything as they also have taken access to my XXXX account which includes email etc.
Product: Credit card or prepaid card

I had opened a CFPB case XXXX with information. Bank of America closed that even after i provided valid data. I opened XXXX which was closed by CFPB. I am opening a new case and attaching the data. I have already shared the password with Bank of America. When I tried to check for any discrepancies in the Bank of America credit card account. The actual balance as per XXXX XXXX statement is XXXX but I notice an extra amount of {$1.00} when I calculate difference between all purchases and all payments. I am attaching the spread sheet that explains the discrepancy. On Tuesday, XX/XX/2023, XXXX XXXX  PST, XXXX XXXX XXXX wrote : Respected Officials, After i replied, there was a XXXX  cent deposit into my account today morning. I need proper data about where this interest is coming from and without that i request Bank of America from avoiding resolution to the cases. When a deposit is made, there must be a reference to dispute it is related to. If there is market manipulation in XXXX or USA or any other country that had insiders information about this, it must be investigated. I have an FTC case open XXXX. If Bank of America says that they provided a temporary credit for a dispute, until the dispute is resolved, then why should they charge interest on the expense being disputed. If they indeed received an interest from the merchant then the interest must goto Bank of America. That is the reason i opened the cases and issued refunds. If they claim to provide temporary resolution and gave me the amount disputed then they must not charge an interest on that. To make me sift through their bank statements and file a CFPB case takes time. But closing a case opened saying that they are unable to open a file i sent is not correct. Especially, without officially communicating it to the person opened the case. Bank of America has closed the case the CFPB case XXXX again on XXXX XXXX without any detailed response. So I am logging a new case. They have mentioned that they haven't provided complete details to protect my privacy and they have sent it by postal mail. I request that the company investigate and keep the case open until I receive detailed resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

have a mortgage on my account that has negative information I never had a mortage in XX/XX/2019 nor the years on my credit report. XXXX XXXX XXXX I never was late. Its weird how they are reporting different information on each credit report. I read that the ftc said that its against the law to add inncorrect information on a persons credit report. Its against my rigths to report inncorrect information. XXXX  XXXX   also reported me late.too. I work hard to keep my credit good. XXXX XXXX and XXXX XXXX XXXX are reporting lates thats not correct. 

please remove these incorrect information from my accounts I was never late
Product: Credit card or prepaid card

Discover card took {$200.00} from my bank account as a deposit on a secured card, then never gave me access to the card. They made me get something notarized and I faxed iyt to them. Still nothing. They then said I need to send them 3bank statements, which I sen through the mail. They said they didn't get it. They closed the account and will not give me my deposit back. They say I didn't file a dispute in time. This was a scam from the beginning, my bank says it is
Product: Credit reporting or other personal consumer reports

15 U.S.Code 1681c2-a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, nor later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL STATICS FROM XXXX, XXXX AND TRANSUNION. 

Once again here are the inquiries that WERE NOT AUTHORIZED : 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: Checking or savings account

Hi- I reported that I was the victim of wire fraud to both my bank Chase as well as the bank that received the funds, XXXX XXXX. The wire was for a purchase of {$13000.00} and occurred on XXXX reported this morning on XXXX. 

I started to get suspicious when the seller told me they dropped my package and provided a XXXX number. I of course checked but it was just a label and had not yet been scanned. After 24-hours I started to get suspicious so I contacted XXXX. They confirmed that they did not physically have it and that I should check with the seller to see when they would be dropping it off. From this point, the pieces all made sense. I started looking through everything. The name on the bank account didn't match the home address. The XXXX label was printed half way across the state from a different location. An email address that XXXX only could find linked to the sellers posts. 

Now feeling helpless, I contacted Chase on XXXX hoping they would put their expertise on full display. They seem to showcase their " fraud protection '' as something a customer should feel peace of mind about. On the contrary I was told that this was my fault and my liability since I initiated the wire however they would put in a request and contact XXXX XXXX to see if anything could be recovered. They said this is a long process and no guarantees. 

I contacted XXXX XXXX on XXXX and they did not have a way that I could report wire fraud on an account I had sent money to. I asked if there was anyone I could talk to regarding how they handle wires on fraudulent accounts- they said that the wire transfer team does not take calls. 

I am frustrated that these huge banks haven't figured out how to work together to protect customers. They make it so easy to send money but when the criminals use the system against us the road to recovery is a long-winded process. Banks should stop being a safe haven for criminals and work to help customers trust that they'll be taken care of.
Product: Mortgage

I recently filed a complaint about my mortgage company systematically trying to raise my mortgage payments. the complaint # is XXXX.They sent me an Escrow refund dated XXXX/15 for {$430.00} overage. They decided that a mistake was made on their part and decided they should not have sent me the check. They then sited that my escrow account was short, so they raised my mortgage {$20.00} without informing. Last month they sent me another Escrow overage check from the escrow account for {$40.00}. I sent them a money order for the shortage in my escrow account for {$180.00}. I sent my regular payment that I was paying also this month [ XXXX/XXXX/15 ]. They sent me a letter that I received XXXX/XXXX/15 telling me that they received my correspondence, but not addressing anything I wrote them. I am attaching the letter.
Product: Debt collection

I am giving this debt collection company one more chance to make this right. I receive multiple phone calls from this third party company multiple times throughout the day which is a violation of 15 U.S. Code 1692d. I asked this company to validate the debt multiple times via phone. As a third party company they are not able to produce any contractual legal obligation and/or evidence proving that I owe that company anything. They also offered a discounted amount which is a violation of 15 U.S code 1692d ( 4 )
Product: Credit reporting, credit repair services, or other personal consumer reports

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not good.I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following account from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of a data breach and this entry is unauthorized. 
The following account must be blocked and deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello! 

Really appreciate your help! 

Not that it matters, but I've had my identity stolen a few times. Great. 

I'm trying to file a dispute for another identity stolen/collection that's not mine. For the  5th time, I try to connect with XXXX  & Experian via ( calls and web portal ). 

1 ) XXXX  Via online, I'm met with this message : XXXX We appreciate your patience while we resolve this issue. 

What to do now : Please try again later. 
If this problem persists, please contact our XXXX XXXX  XXXX  team. 
If this problem persists, you may want to wait at least one hour before trying again. 
XXXX Via the phone, I'm met with infinite call wait times, and a system that DOES NOT HAVE A CLEAR DISPUTE RESOLUTION NUMBER OR NUMBER TO SELECT. 


2 ) Experian When I try to initiate the dispute online, I'm told to call XXXX. When I call, I'm met with another automated voice system that DOES NOT HAVE A DISPUTE OPTION OR NUMBER TO SELECT FOR MY DISPUTE ISSUE. 



So, I can't even initiate disputes with XXXX  & Experian for Fraud, Collections, and having my identity stolen which is killing my credit score. 


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

XXXX XXXX XXXX Response to complaint XXXX XXXX XXXX XXXX has decided to close and delete an account in response to a complaint that was filed. However, they have erroneously stated that it takes 60 days minimum for the credit bureaus to update their records and have this reflected on my credit report. I would like this account removed immediately from my credit report.