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

On XX/XX/XXXX, I made a {$330.00} payment to my paypal account from my bank checking account. I later found out that paypal took TWO payments from my bank checking account, both payments in the amount of {$330.00}. My bank informed me that one payment was made on XX/XX/XXXX and a second payment was made on XX/XX/XXXX. I immediately contacted paypal who refused to do ANYTHING except return ONE payment within 10 days. I went straight to my bank and informed them of the ILLEGAL THEFT of my money, which caused my account to become negative and caused other credit card payments to be NSF. ALL of this could have affected my excellent credit rating. My bank worked with me and did not charge me for any late fees. THEN, on XX/XX/XXXX, I made two XXXX purchases and used paypal to provide payment to the merchants. I deliberately clicked the box that said to charge my XXXX XXXX for the payment and NOT my bank. XXXX DELIBERATELY charged BOTH payments to my bank and again my bank checking account went into the negative. THIS IS FRAUD and ILLEGAL THEFT of funds. XXXX denies any wrong doing and I am tired to their theft and deceit. When I attempted to call them today, their phones continued to hang up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor : XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX ), Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  ), Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ), Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ), Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ), Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ), Account : XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally complain about an unauthorized financial transaction involving a vehicle purchase allegedly made in my name and financed by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that a vehicle was to be purchased under my name and collected payment despite the vehicle being in my possession for only 32 hours. According to our agreement, the deal was not finalized until I provided a {$2000.00} down payment, after which all necessary paperwork would be completed and handed over to me. Despite being given a limited time to test the vehicle and the assurance that all documentation would be handled electronically, I did not receive any copies or formal agreements at the time of the transaction. All agreements were verbal, and it was understood that I had a brief evaluation period to decide on the purchase. However, the dealership proceeded to collect payment from XXXX XXXX without my consent and before any formal paperwork was completed. Within those 32 hours, I contacted my bank 's finance representative who advised me of a better deal on a newer car at XXXX dealership. Consequently, I returned the XXXX vehicle and proceeded with purchasing a vehicle from XXXX through my bank 's financing. 
Furthermore, I must address the unsettling incident involving a private investigator sent to my residence on XX/XX/XXXX on behalf of XXXX XXXX. The investigator was instructed to retrieve the vehicle from my possession, despite its return to the dealership within the agreed-upon timeframe. Information gathered by the investigator was reportedly obtained from XXXX XXXX. My legal representative, XXXX XXXX, subsequently contacted XXXX XXXX to clarify the financial obligations attributed to me. It was discovered that the vehicle in question had been located by the private investigator, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Remarkably, the vehicle had been at the dealership since XXXX, a XXXX salesman, returned it in XXXX, on my behalf, after a XXXX salesman I had previously interacted with was unprofessional in our dealings.
Product: Credit reporting, credit repair services, or other personal consumer reports

I enrolled to the university of XXXX of arizona online program and I change my classes and canelled the next day I never got the loan or went to the school but they have reported it on my credit report they stated reporting it in XX/XX/2019 and the amount is about 4,000 thousand dollars I have been reaching out about this issue and it has not been resolved yet. I really need this to be resolved because it's inaccurated and cause other issues on my credit report.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




Closed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent a dispute to the credit reporting agencies requesting proof of each account as well as a fair investigation for each account. On XX/XX/XXXX, the disputed items came back as verified. XXXX, Equifax and XXXX has not properly verified a bankruptcy record on my credit reports. The bankruptcy record is inaccurate and is found to be incomplete. An affidavit ( a sworn statement of facts ) was sent to the Federal court asking them if any information was released to the credit reporting agencies. I sent XXXX, Equifax and XXXX  a notarized Affidavit and correspondence directly from the Federal Court stating that no information has been given to them. If the agencies did not verify a bankruptcy record with the courts, how did they complete the investigation? This investigation is incomplete. If the court did not send them information on the bankruptcy record, then my disputes were not properly verified. I do plan on taking legal action per [ 15 U.S.C. 1681i ], Section 611 ( 5 ) ( A ) ( i ) If, after any re-investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete. This inaccurate and incomplete bankruptcy record is causing me unnecessary financial hardships due to the incomplete investigation of these credit reporting agencies. I need would like assistance on this matter asap before taking further legal action.
Product: Credit reporting or other personal consumer reports

Based on, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that result from an alleged identity theft, no later than 4 business days after th

e date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681.

Fradulent Accounts- XXXX  XXXX XXXX XXXX Acct # XXXX XXXX  XXXX XXXX XXXX Acct # XXXX Fraudlent Inquiries - XXXX XXXX XXXX XXXX XXXX this/these accounts unless you want to be held accountable for {$1000.00} per account
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some information was erroneous. The Equifax credit bureau must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance Owed : {$240.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$35000.00} XXXX XXXX XXXX XXXX XXXX Owed : {$59000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed XXXX {$12000.00} XXXX XXXX  XXXX Balance Owed : {$10000.00} XXXX XXXX XXXXXXXX Balance Owed : {$9700.00} XXXX XXXX XXXXXXXX Balance Owed : {$26000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX charged me. i never authorized that charge or even get their credit card. after calling them repeatedly i was unsuccessful. i filed a dispute with TransUnion. The response from TransUnion on XX/XX/2018 was that they reinserted in my credit report with no explaination.
Product: Mortgage

I am asking for your help in trying to determine how the {$80000.00} was tagged on to this mortgage. I filed bankruptcy in XXXX and was unable to pay my mtge for one year I believe. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Since then, I have had this mortgage bought out by several different firms and transferred without any choice of my own. I have asked each company for an explanation of this additional {$80000.00}. How can they tag on {$80000.00} FOR ONE YEAR OF NO PAYMENT???? Can you tell me who I can seek help from on this? Someone who will investigate where this occurred and why and explain to me how this can happen to a XXXX  citizen in Florida and where do they go for help. I am hearing so much mortgage fraud and wonder if I am a victim. I would appreciate any help you can give me, my husband is XXXX on social security and I am still working at XXXX so we can make ends meet and we want to be able to live on a fixed income. Our home is our only asset having lived in this house for over 35 years, and this mortgage balance seems to never go down.
Product: Credit card

i alredy dispute these items on the bureaus and they don't delete it XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am a client of SANTANDER BANK. A few weeks again they have requested me to provide information about my account usage. After that they've blocked my account until I provide the information. When I came to the branch in person they did not find any problems with my account and told me that I can use it without any restrictions. Later they've called me and I provided them with all the information they need over the phone. Now my account is still blocked, and they deny to unblock it until I come to the branch in person. I'm in another state and I can not come to the branch because my funds, that I could use for transportation are frozen on my account. The back denies to send the agent to my state, or provide me with transportation to their branch, or give me access to my own funds to come to the bank. The closest branch is 2 hour drive away from me. I don't have a car, and due to the actions of the bank I don't have funds for public transportation.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. XXXXXXXX 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: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 50 days later, I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 50 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will like for litigation due to the stress you have caused me.
Product: Debt collection

I can not pay this debt because I can not get a stable income since I got XXXX  early XXXX  this year. I have tried multiple times to get it waived and I don't have any insurance any more. I am broke and my employer may have just fired me right after I filed a report against a coworker. I need this debt waived because I can not pay it in a reasonable time. I do not want this debt anywhere near. I need this gone. Stop sending mail.
Product: Vehicle loan or lease

Back in XX/XX/2015 I had a conversation with a representative to agree to allow me to settle this account and once I pay the XXXX on the promise to pay date they will FORGIVE the remaining portion ; considered my account as settled ; adjust their records to reflect the settlement ; settled for less than full balance. 

Santander DID NOT do any of these statements per promised. 
They are still reporting this as a DERAGOTORY and as a CHARGE-OFF which they stated in these documentations that they will FORGIVE all balances once I pay the required amount. 
( Please review documents I sent to verify these statements please )
Product: Credit reporting, credit repair services, 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. 

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, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681x. ( 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, credit repair services, or other personal consumer reports

As of XX/XX/XXXX, I have noticed fraudulent accounts and inquiries that are holding me back from moving forward with my credit and helping my daughter getting a better school and also a better school Districk and a house for my daughter and my family due to my credit and my credit profile and was reporting on it and also my consumer reports below is a list of inquiries that must be removed permanently in indefinitely due to the fact, they are fraudulent as of identity theft INQUIRIES LIST XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal XXXX XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns about Zelle handing 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 were impossible and that tracking these transactions were infeasible. 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 customer safety.
Product: Mortgage

Loan Depot XXXX LLC. XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX We tried to make a substantial loan payment. We were sent wire instructions, went to our XXXXXXXX XXXX, wired funds per Loan Depot wire instructions to their XXXXXXXX XXXX XXXX Account. Funds were received on XX/XX/2021. Loan Depot , LLC refusing to accept funds, tasking us with undue hardship and further financial burdens. We have refused multiple ways to send a substantial payment on our recently acquired mortgage. This is a criminal act and against any and all documentation received during loan process. There is no early pre-payment penalties. We have no way to make a substantial payment against our mortgage. Loan Depot is unjustly charging interest on a payment we have made, that they refuse to accept, per their own process and instruction. 
We seek damages for any and all interest, serious undue hardship and our funds have been in limbo for now 5 days. Loan Depot , LLC loan practices are now illegal, and we seek any and all remedies from this Bureau and the multiple Attorney General Offices of the United States of America, Florida and Texas.
Product: Credit reporting or other personal consumer reports

Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING informing ( you ) XXXX. I am fully prepared and intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages I am entitled to under Section 616 and Section 617 due to your continued willful and negligent noncompliance. 

Despite my previous 2 written requests, the exclusion of my transactions or experiences of an unverified item listed below still remains on my Consumer Report/Credit Report in violation of Federal Law. You ( EQUIFAX ) stated on XX/XX/year>XXXX  in your responses to my 2 dispute letters you have verified the item listed below as accurate but your company EQUIFAX has failed to send me copies of the documents EQUIFAX used to verify this account per my request. In fact EQUIFAX has ignored my request to send me copies of the documents EQUIFAX used to verify the disputed account with 100 percent accuracy as you ( EQUIFAX ) stated in your response. Your failure to delete the disputed account is evidence you ( EQUIFAX ) can not verify the XXXX XXXX XXXX account after two written requests is further evidence of your willful disregard of Federal Law. 

During litigation and through the discovery process you ( EQUIFAX ) will be required to produce these documents along with an affidavit swearing under oath all documents are true and correct documents you ( EQUIFAX ) used to verify the disputed XXXX XXXX XXXX account. Considering the fact EQUIFAX does not have any of the said and proper documents in your files as proof your company EQUIFAX did not properly verify the XXXX XXXX XXXX  account within 30 days as required by law. Which will result in the Court ordering you ( EQUIFAX ) to delete the XXXX XXXX XXXX account. 

Your company EQUIFAX has stated it has reinvestigated the XXXX XXXX XXXX account but all EQUIFAX has done is send me parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify the account which is clearly in violation of 15 US CODE 1681 ( a ) ( 4 ). I also asked your company EQUIFAX to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law and evidence of your willful disregard of the law. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. I request you delete the account immediately. The law is very clear as to the Civil liability and the remedy available to me The law is very clear as to the Civil liability and the remedy available to me is explained in Section 616 & 617 regarding your failure to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand you delete the account listed below immediately. Please provide me with a copy of an updated and corrected credit report showing the item deleted from my Consumer Report/Credit Report.