23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Midland credit management acquired my debt from a credit card company that had been charged off. They used an attorney to file a lawsuit against me. The attorneys reached out to me and we agreed that I would pay the debt. I paid the amount that the attorney asked for, for this account to be paid in full. 

I received a letter from Midland credit managements attorney, saying that the debt was paid in full. 

Now for several months, Midland Credit has not updated my credit report and is showing an outstanding balance even though the account was paid in full through their attorney. 

The attorney has said to contact Midland credit, and Midland credit has said to contact the attorney. I have disputed this several times through every credit bureau, and Midland credit continues to lie to the credit bureaus saying I owe them money and continuing to report an unpaid balance, that is false. 

this account is paid in full
Product: Credit reporting, credit repair services, or other personal consumer reports

I am aware that consumer transactions regarding my credit card are governed by Title 15 of Commercial Code. I have expressed the discrimination and invasion of privacy that has been inflicted upon me. On advice from my counsel I am filing this complaint because I am being defrauded by Experian and they refuse to verify the information that they are reporting. This information is fraudulent and has not been verified. I am making them aware that they are in violation of 15 USC 1692B [ 2 ] - Stating a consumer owes debt 15 USC 1602 [ P ] and most importantly 15 USC 1681 [ B ]. I would like for the following accounts to be blocked from my consumer report within the 3 business days allowed by law. I have not supplied them with any written document with my signature allowing them to furnish any information on my behalf the original creditor. 

Furnish written consent authorization to furnish and sell my private information on my consumer report or remove inquires and accounts, XXXX inquiry date XXXX, XXXX XXXX XXXX date opened XXXX, XXXX date opened XXXX, XXXX date opened XXXX.
Product: Mortgage

On XX/XX/XXXX I closed with XXXX XXXX to refinance out of a prior loan with Mr.Cooper/Nationstar. On XX/XX/XXXX funds were received by Mr. Cooper for the payoff of the previous loan but monies were not applied to the balance. When pressed on XX/XX/XXXX why the funds were not received, Mr. Cooper stated the funds were not applied to the balance as the payoff quote they issued was incorrect as it did not reflect the escrow shortage. Upon review of the copy of the payoff, it did indeed include the escrow shortage. On XX/XX/XXXX Mr. Cooper was asked again why the funds were not applied to the balance and the loan closed. Mr. Cooper responded that funds received were not enough to cover loan amount as Mr. Cooper had paid property taxes on the account on XX/XX/XXXX. Upon receipt of tax bill from XXXX town, XXXX ( XXXX XXXX  title company ) is shown as the payor for the taxes on XX/XX/XXXX. 

Mr.Cooper still has not applied the funds and will not until they receive a return check from XXXX town which may not be until XX/XX/XXXX. Until then, they're showing a payment is due XX/XX/XXXX.
Product: Mortgage

I refinanced my mortgage with BSI Financial and they keep adding additional cost added to my bill that BSI financial wo n't explain what they are. I was told that my attorney would explain it to me. I have called on different occasions. I have been told different excuses but no explanation. This is the fourth time I have experienced this. What are they doing " Loan sharking '' thinking folks are XXXX or are they trying to bring on a late platform to keep reporting late payments so you ca n't rid yourself of them by refinancing? They are constantly reporting my payments as late since this refinance has taking place. The additional fees are giving them the opportunity to do this.
Product: Money transfer, virtual currency, or money service

Venmo has locked my account and I can't get the money out and into my bank account. I always have a problem with them and their team. They are terrible. Scammers.
Product: Debt collection

I had a summons to XXXX County General Sessions Court today regarding the plaintiff Discover Bank vs XXXX XXXX. Discover Bank mailed new a letter stating ; the account has been charged off and XXXX XXXX XXXX is the business with the debt. The Tennessee Collection Service Board and Tennessee Commerce and Insurance Commissioner XXXX XXXX have repeated that they have no jurisdiction over Tennessee Foreign For Profit Corporations : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, and XXXX XXXX XXXX. All of these companies are active according to the Tennessee Secretary of State. I have a court hearing on XX/XX/2020. I want to better understand the jurisdiction of these companies mentioned above. Who has the jurisdiction over Tennessee Foreign For Profit Corporations?
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX and Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submission, XXXX and Experian consistently responds within 24 hours stating that the account is accurate without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX and Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ) as highlighted in the CFPBs recent administrating proceedings against them for similar violations. I request that the CFPB TO ensure that XXXX and Experian complies with federal law and provides consumers with the necessary proof of investigation. 

The following account is what I disputed : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am writing to address the presence of inaccurately reported fraudulent accounts on my credit report and to request their immediate and aggressive removal. I have been the victim of identity theft, and it is perplexing why the other credit bureaus have promptly responded to my requests while yours seems to be unresponsive. XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

My wife received a call that I was being served. They said the letter would be left under a rock by the front door and she asked him not to do that as it could possibly not be there after she gottt home from work. He left the letter in the mail box ad I've sent over a debt validation letter on XX/XX/XXXX, XX/XX/XXXX & 2day, XX/XX/XXXX as I was not provided any relevant agreements or any signed contracts. I will attach the certified mail receipts that I have as proof.
Product: Credit card or prepaid card

I have had four texts, emails and phone calls about fraud on my card. Four times in two weeks. When I called they said they cancelled it. Then I got another text/email and phone call about fraud on a card that's not even mine. I called on that one, they said they cancelled that one, which one? It wasn't mine. Then I went online to check my status and another two fraudulent charges were on my new card. I called and they cancelled the new one. Then on XX/XX/23 I got another fraud text/email/ phone call on my card. I called again, she said it's the same issue and the card has been cancelled, they're just re-sending the texts/emails/phone called. She said she'd note to stop sending the messages. That's not a resolution to me. What is going on? Obviously Citi is out of control.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have went into the bank 4 times and called 7 times.. the bank shows my account open and over 30 days late twice. Once onXXXX and once in XXXX which is not accurate. I closed the account on XX/XX/XXXX. The only late payment was in XXXX. Which was never reported. This inaccuracy has lowered my credit score over 80 points. I am I am in the middle of escrow on a home loan and this is making me in eligible. They REFUSE to correct this!!! I am going to lose my deposits and home loan due to their mistake!!!
Product: Checking or savings account

Dear CFPB, I am writing to make an official complaint against Wells Fargo for its discriminatory lending practices against me. I recently applied for a Business Account with Wells Fargo and was denied without explanation. This has caused me to suffer significant financial distress, and I believe my denial was motivated by bias due to my race and ethnicity. 

I am a Latino-American male, who has historically been the subject of discriminatory practices in the banking industry. Part of the reason why I selected Wells Fargo to make this mortgage loan application was that I expected to enjoy a fair and equitable treatment from an institution that has been in the business for so many years. However, I now believe that I was offered different and less favorable terms than what a non-Latino applicant would have been offered. 

I would like to request an investigation into Wells Fargo 's pattern of behavior and treatment related to lending, particularly with Latino American applicants. I personally feel wronged by your organization and expect to receive an apology and clarification as to why I was denied opening a Business Account. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I don't know how a few transactions was sent they wouldn't give me my money back I have a few errors on my account I've been ah customer since 2017 I called zelle told them that it was ALOT of unauthorized transactions on my account n they told me it's nothing they can do about it n I worked hard for my money I feel they should be held accountable for money taken out my account I trust them with XXXX if dollars they failed. Me it been years
Product: Checking or savings account

On XX/XX/XXXX, I filed a claim to Chase saying that I did not receive my Bitcoin that I purchased from the company XXXX. 
There fore I opened a claim, but instead the initial representative put on the claim that it was a duplicate charge and not authorized ( it was not and I did authorize the transaction I just didnt receive what I paid for ). I got a provisional credit on XX/XX/XXXX, thinking everything was fine and they would solve this problem for me. Then, I received and email on XX/XX/XXXX saying they were taking the {$700.00} dollars back from my account because they found it was not a duplicate charge ( never said it was duplicate ). I immediately called Chase, and talked to a Supervisor, and told them the first representative on the claim made an awful mistake and filed my claim wrong ( making it so it wouldnt be in my favor? ) The supervisor then had me fax over proof of me not receiving my goods and various other proofs. I thought all would be fine and they would handle this problem diligently this time. To my surprise they did not, they sent another emailing telling me these charges were authorized and were not duplicate. I had never once said they were duplicate charges or not authorized, just that I didnt receive my goods. Chase is obviously negligent to their customers and do not take thorough time studying claims. Not to mention I have every single phone call recorded ( even the first one where I filed a claim as not received and the ones with the supervisors ). This is for claim # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account was with Wells Fargo/XXXX XXXX. Account was closed by company as if I closed the account. The company closed the account and caused a huge drop in my credit score plus I was going to purchase more furniture from the company. I would like to have the account reinstated
Product: Checking or savings account

Credit report states I owe money for account that were paid and closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of ID theft and have sent the proper documentation, police report, etc, however someone within this company is refusing to fix the errors and is causing me financial harm. This has been ongoing for almost a year. I called this company today and they refuse to get me a supervisor. I had to argue with people over getting supervisor. They finally transferred me to the Fraud Department where supervisor XXXX started speaking to me, then she hung up on me.
Product: Debt collection

HUNTER WARFIELD INC is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$5500.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2022 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Consumer Loan

Sierra Auto Finance has been calling me at my place of employment for over a year now. I was ( without my knowledge or consent ) put down as a reference on a loan by an individual that worked with me briefly. I have contacted the company four times to request that they not call me at my place of employment. They have continued to call looking to get a message to this individual. Today I called in reference to their last call ( XXXX/XXXX/15 ) where their agent left a voice message on my work voice mail. When I called and asked for their corporate address the rep I spoke with, XXXX, refused to disclose this information and instead repeatedly asked for my information which I repeatedly told him he was not going to get. I was then transferred to XXXX, a manager, who disclosed the company address but refused to disclose who the current CEO of the company is. I finally gave my work number and explained the situation and she stated she would add the number to filter so they would n't call again. However this is exactly the same thing I was told last time I had to call this organization XXXX XXXX of 2015 ). I find their unwillingness to disclose publicly available information discourteous at best, and at worst fraudulent and deceptive.
Product: Checking or savings account

I've contacted Bank of America on several occasions disputing an account that was open under my name, due to this account being open and whatever is owed to Bank of America its hindering me from opening a checking and savings account with other Banking institutions. I never received anything about this account being opened from Bank of America so by the time I realized years later it was too late to make a police report or put in a fraud dispute as Bank of America stated. What am I left to do, I was never contacted by Bank of America with any documents by mail no general disclosure like any other bank. The account is from 2016 when calling to ask about the amount owed so I can dispute anything Bank of America cant pull the record. If banks are not following the law and there own policy and regulations how can a consumer be aware a fraudulent account was open in there name so they can dispute it in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

There's an account on my credit report that is not mines, it has me as an authorized user inwhich I have no knowledge of, and I would like this account removed immediately. The account in question is Chase Card, with a XXXX credit limit.
Product: Credit reporting or other personal consumer reports

I received a notice letter from XXXX XXXX XXXX XXXX informing me that their company had a data breach and all my personal information was used with them on XXXX XXXX and also the dark web. Also, based on their investigation to date, the data appears to be from XX/XX/2019 and earlier. The company offered me a complimentary credit monitoring, identity theft detection resolution. I tried disputing all of the wrong information with all XXXX of the credit bureau it wasn't removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint ( ID : XXXX XXXX on XX/XX/XXXX about an unauthorized hard inquiry made without my consent. 
I received a very nice phone call and letter from Ladera Lending admitting their error and their word both written and verbally, that they would remove the hard inquiry. 
As of XX/XX/XXXX, all three bureaus show their hard inquiry on my credit report. They won't go away until XX/XX/XXXX. 
Can you make them do what they promised and remove the hard inquiry?
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/21 submitted investigation on accounts that are not mines. Didn't receive any results.
Product: Credit reporting

I have sent Numerous notices to Equifax to delete the inaccurate accounts they could n't verify or Validate to me. These accounts are not mine & need to be delete from my credit report
Product: Money transfer, virtual currency, or money service

Im am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulations E. These Actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report, which I submitted on XX/XX/XXXX. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I demand an immediate resolution. 
Unauthorized Inquiries in Question : 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 Section 611 ( 15 U.S.C. 1681i ) requires a prompt investigation of disputed information. I submitted my dispute and have yet to receive an adequate resolution.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the results of your investigation. To date, I have not received the required information.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section.

Immediate Request : I demand immediate action to resolve this dispute. Specifically, I request the following : Thorough Reinvestigation : Conduct a thorough reinvestigation of the unauthorized inquiries.

Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report.

Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes.

Enclosed are copies of my previous dispute letter and a copy of my identification for verification purposes.
Product: Credit reporting or other personal consumer reports

Please REMOVE to my credit report the FRAUD ALERT I did not authorize anyone to add it to my report, kindly remove it ASAP.
Product: Debt collection

This company is trying to collect something I simply have no knowledge of and believe they are attempting to scam me. I'm a 100 % XXXX veteran and live on a fixed income.
Product: Credit reporting or other personal consumer reports

I HAVE ATTACHED PROOF FROM XXXX PROVING THAT I HAVE BEEN A VICTIM OF A DATA BREACH AND VICTIM OF FRAUD AND IDENTITY. THEFT ACCOUNTS WERE OPENED, USING MY NAME AND PRIVATE INFORMATION, AND THESE ACCOUNTS WERE NOT OPEN BY ME AND ARE A RESULT OF IDENTITY, THEFT, AND POWER OF ATTORNEY FRAUD. I DID NOT GIVE THESE COMPANIES, PERMISSIBLE, PURPOSE OR CONSENT, AND I WAS NEVER CONTACTED TO VALIDATE THE ACCURACY OF THESE ACCOUNTS. XXXX, EQUIFAX, XXXX, AND ALONG WITH THE CREDITORS, ARE IN VIOLATION OF FCRA XXXX XXXX. You may be held liable pursuant to title XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. Pursuant to FCRA XXXX and XXXX XXXX XXXX XXXX XXXX I must demand these accounts to be removed within XXXX business days as permitted by federal law. Please provide me with a purchase agreement and not a copy of a contract. Failure to block and remove the accounts may result in initiation of arbitration or lawsuit against your company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I repeatedly am seeing updates from alleged creditor XXXX XXXX on my Experian and XXXX XXXX reports for allegedly written off account on XX/XX/2017. That is illegal to update, right, as the alleged delinquency is set to appear for a finite duration? I would like these updates from this alleged creditor to stop as it has with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account in question is in my opinion a duplicate account caused by a bank merging from XXXX XXXX XXXX  to XXXX XXXX  and the opened dates, balances, and account numbers are identical and the only credit bureau reporting the duplicate accounts is Equifax. 
On XX/XX/XXXX I called the loan servicer ( XXXX XXXX XXXX ) to verify information and was told the accounts in question could not be located and the correct accounts were verified. 
On XX/XX/XXXX I disputed incorrect information on my credit report. 
On XX/XX/XXXX I was notified that the dispute was finalized and the result was that it was " verified ''. 
On XX/XX/XXXX I called the Department of Education to verify information and was told the accounts in question were not able to be located and was told to re-contact XXXX XXXX XXXX. 
On XX/XX/XXXX I called Equifax to inquire about these results and was told that " it was verified '' and that they didnt have proof of verification and that they " report what is reported to them ''. 
On XX/XX/XXXX I then opened another dispute. 
On XX/XX/XXXX I contacted XXXX XXXX XXXX to ask for a " loan verification letter '' to provide to Equifax as they are incorrectly verifying information. They stated they couldnt send it to Equifax however they could send it to me and I could send to them. 
On XX/XX/XXXX I sent a method of verification letter and the loan verification letter to Equifax via certified mail. 
On XX/XX/XXXX at XXXX this letter was signed and received by Equifax. 
On XX/XX/XXXX I received 2 notifications on XXXX that 2 accounts on my credit report has been updated. This account was " updated '' based off of the loan verification letter sent, however, this form was labeled " XXXX XXXX XXXX XXXX  '' and the updated account was " XXXX XXXX XXXX XXXX XXXX  ''. 
On XX/XX/XXXX I called Equifax at approximately XXXX and spoke with an individual who told me that the accounts were " verified ''. I then asked to speak with his supervisor, the supervisor was XXXX, employee # XXXX. He refused to provide documentation of how the account was verified and also refused to have the accounts deleted off of my credit report. When I asked for the account numbers for the accounts in question, they were the same account numbers as the correct accounts with XXXX This indicates duplicate and inaccurate reporting as XXXX XXXX XXXX  was bought out on XX/XX/XXXX by XXXX XXXX. I then told him I would be filing a complaint. This conversation lasted for 1 hour and 15 minutes in duration.