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

The Credit Bureaus stated that my account was properly investigated but how is that possible when the open date is inaccurate, the date last active is inaccurate, the date last reported is inaccurate, last payment, and term length? This is grounds for removal. They also violated my rights under 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 USC 1681 Section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

15 USC 1681b ( a ) ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates.

15 USC 1681i. ( 5 ) ( A ) ( i ) If, after any reinvestigation 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 that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; 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.
Product: Payday loan, title loan, or personal loan

I obtained a loan in XXXX of 2016 from Rapid Auto Loans in XXXX, FL. I ultimately defaulted on the loan and attempted to contact this vendor. I was called multiple times by XXXX XXXX XXXX and had attempted to settle this loan. Due to the convoluted process in paying this loan off, I was unable to complete this task. twice, I called them in an attempt to pay the settlement offer. I went to register my vehicle and there was a registration stop on my vehicle. I contacted XXXX XXXX XXXX who after multiple calls in the same day, were able to guide me through the process of paying the settlement. I had asked that now the account had been settled to release the registration stop on my vehicle. XXXX advised me that they did not put the registration stop on my vehicle and that I would have to speak with Rapid Auto Loans. I called Rapid Auto Loans and they advised me that they did not have my file. I called XXXX XXXX XXXX and they advised me that it will take up to 10 days to transfer my file back to Rapid Auto Loans. Once Rapid Auto Loans receives my file, the will begin the process of closing the account. They advised me that this can take up to 21 days. Even though this account has been paid, my wife can not drive her vehicle as the registration on her vehicle is expired and we can not renew until they stop the registration hold. This company is infamous on dragging their feet to do anything and I feel like we are being held hostage after paying this off due to a legal loophole that does not cover the consumer with regards to legal issues not needing to be handled on a more immediate basis. Now, my wife has no ability to pick up our children from school when needed which is almost daily.
Product: Money transfer, virtual currency, or money service

I was given these fraudulent accounts by my cryptocurrency exchange app to deposit my transfers. Once all these transactions completed, I try to withdraw from my account it was frozen. Now the app is disable. I have contacted XXXX XXXX international police to file a report against these fraudster 's account. They are using these account for money luring. Please advise HSBC regarding these incidents and demand for retrieve or re-call on my behalf that I have made several attempt through XXXX. 
1. XX/XX/2021 XXXX XXXX and XXXX XXXX  XXXX limited {$1000.00} UDS 2. XX/XX/2021 XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX $ XXXX 3. XX/XX/2021 XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ) {$100000.00} UDS 4. XX/XX/2021 XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX {$60000.00} UDS 5. XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$20000.00} UDS 6. XX/XX/2021 XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX {$50000.00} UDS 7. XX/XX/2021 XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX {$20000.00} UDS
Product: Mortgage

Soon after my refinance loan closed, I received a voicemail from my Wells Fargo Home Mortgage Consultant encouraging me to fill out a customer survey. In the voicemail, for the survey the consultant stated, " Anything less than a 5 we actually fail, believe it or not. So, if you say we did a great job and you give us 4 's. That 's not a passing score on our end. '' The survey ranks responses from 1 ( Not at all satisfied ) to 5 ( Extremely satisfied ). This voicemail from the consultant appears to be another symptom of Wells Fargo 's questionable business practices coupled with unreasonable expectations for employees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this XXXX complaint today to follow up the previous complaint I submitted last XX/XX/XXXX regarding the removal of the fraudulenty items reporting on my Credit report. I feel like the Credit Bureaus have not yet done their best at correcting my Credit Report from any fraudulent information. I am submiting this CFPB complaint under the provisions of the FCRA section 605b that protects a consumer 's rights from any fraudulent information reporting on my Credit Report. If the Credit Bureaus claim that the disputed items are items belonging to my name, I need the Credit Bureaus to provide me copies of documents bearing my signature to support the Credit Bureaus claims. And if the Credit Bureaus continue reporting the disputed items wihout providing me the documents I require, please understand I will seek legal action. If it is not that too much trouble, I need the following items to be removed from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been going through the process of placing a credit freeze and alert on all of the big 3 consumer credit reporting companies. 

Generally, this has been straightforward : I make an account on their website, fill out my information, and click a couple buttons. 

Experian has not been so straightforward. When I make an account on their website, they refuse to allow me to use that account to freeze and place an alert on my credit. What they do is provide a service called a " Credit Lock '', which is a paid service that appears to be developed exclusively use to upsell uninformed consumers. It does the exact same thing as a credit freeze. 

However, they do also claim to provide the ability to place a credit freeze online. However, instead of using my existing online account with them like the other two organizations, this credit freeze requires me to re-enter all my information. Which would be fine, although annoying, if they were asking me to enter my information in good faith. 

They are not interested in acting in good faith however, because even when correct information is entered, they say that " We were unable to honor your request to place a security freeze on your personal credit report based on the information you entered. '' Instead, they ask me to spend a significant amount of time searching for documents that they want physically mailed to them. And then ask me to mail more documents to them to place an alert. 

This practice is incredibly anti-consumer and appears to be specifically designed to make the process of not paying them for the legally-mandated credit freeze and alert as difficult as possible.
Product: Debt collection

It's the three of them. XXXX XXXX eliminated one of three negative remarks, they refuse to drop that dept that i don't owe, they even still tried to add it but i told them their not owed a dime. 
The other two negative rematleks are for a total of XXXX dollar 's, the two copays i could not afford. At the hospital and they knew i could not even afford medication. I have proof i should not have to pay anything. But collections want XXXX  of dollar 's that i will fight to my last breath.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX XXXXXXXX XXXX XXXX XXXX  number : XXXX
Product: Credit reporting or other personal consumer reports

I am writing regarding my credit report, which contains inaccurate and incomplete information that requires your attention. Specifically, I wish to dispute these accounts : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX The reason for my dispute is that your agency has not provided sufficient information to verify the debt in question. XXXX and XXXX, another credit bureau, has already corrected the inaccuracy these accounts from their records due to an identified error. I am perplexed as to how you have verified these accounts while the other bureaus have updated it. Therefore, I request that you correct these accounts from my credit file as it is inaccurate, erroneous, incomplete, or unverifiable.
Product: Debt collection

I just received my credit report and noticed unauthorized items they shouldn't be on my credit profile. This had been a tough time during the covid 19 pandemic
Product: Checking or savings account

Im writing in regards to early warning has my name flagged for fraud can that information please be removed. Every bank is saying early warning has my name detected for fraud.
Product: Prepaid card

US Bank XXXX card sent me a series of personal checks to utilize. I wrote check number XXXX for {$1200.00} but XXXX  XXXX XXXX refused to deposit it, claiming the check was invalid and not authorized. I called the authorization number XXXX and the automated line confirmed that the check was not authorized, even though I authorized it on XX/XX/XXXX. XXXX  XXXX XXXX closed my checking account, which also caused my salary direct deposit for the month of XXXX to not process. 

US Bank XXXX XXXX is refusing to return my {$1200.00} even though the check has not been cashed and I have faxed them XXXX copies of the check with VOID written across the front. My account number is XXXX.
Product: Debt collection

I have made multiple attempts to dispute Jefferson Capital System. I have no knowledge of this account. I have not signed, or provided my social security number for authorization of this to be on my credit report. As per USC 1681 ( c ) ( 2 ), I believe these reports may have been result of identity theft. The information is not information relating to any transaction by me as a consumer.
Product: Credit card or prepaid card

Amazon use my card without my authorization it used a credit balance to may payment s resorting up my credit balance and causing m the card to go over the and I goy charged for and that was reported the credit reporting company 's when I didn't use the card for that purpose resorting in the card being cancered for the store unauthorized conduct which I just learned what took place made monthly payment per my state and emailed amount bills they got to payment plus one from my credit balance which again was not authorized by.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name has never been XXXX XXXX XXXX
Product: Student loan

This Equitable Acceptance Company contacted me in XX/XX/XXXX,  told me they were associated with the Federal Government to help repay student loans. I did have loans from late XX/XX/XXXX for XXXX XXXX XXXX. Told me that only a portion would need to be payed and the rest would be forgiven in their program. They said they would consolidate the loans, and if i got in, it would be before the Obama Administartion rules changed. 
They talked a good game, so I went for it. 
They told me that my payment would be lower at XXXX $ a month for 18 months then I would be done and paid off. 
They said I would be paying approx {$1800.00} total, then it would be forgiven. 
So i did it, when was presently paying around $ XXXX monthly and had out approx {$6500.00} at that time and going through XXXX. 
So to do this service with them and consolation, I was charged a one time fee of an addtional {$150.00}. I gave them my bank account information and my social, they sent me an email contract to electronically sign. I said would do this, but asked that they send me hard copy too, never received anything. I should have known then! 
So here it is months later paying {$49.00} a month, drafted from my checking account and I didn't think anything of it. Then this month, I get a letter from XXXX saying my loans were not being consolidated, due to no date and Signature being suspect, so i called them. 
This is when i realized it was a scam! I also got in touch with XXXX who said that my loan payments were stopped and it was in Forebearance! 
I only authorized this through the false claims that the company was taking care of everthing to consolidate it from original source and to pay it off. 
I called Equitable Acceptance and cancelled the payments to them and to complain that I knew was scammed. I've also been in touch with XXXX and will get on a legit repayment plan now. 
I hope I can recover the fees and payments made. 
When I called the scam comany to stop the payments, they said I was under contract with a second company and so they gave me that number, called and heard nothing back of course, and it went straight to a VM where I left two messages. Seemed like it was a cell number. 
They also told me it would still have to be paid and will be on my credit report that I didnt pay and that they had my signature on a contract.
Product: Credit card or prepaid card

These are Fraudulent accounts that I have proven that have came back on my report. Please Remove immediately. My personal information was stolen as i stated before.These are not mines.
Product: Vehicle loan or lease

I finance a car in XXXX with Hyundai Motor Finance and paid off the loan in full in XXXX. I never received a lien release at that time and thought it would be sent, but it never was. Now I would like to trade in the vehicle but there is still a lien on it. I contacted the company last week, and they said they would send a lien release, but I still have not received it. I called again this morning and they said their computers were down and could not do anything. The Title services section of their website does not function. This situation is blocking me getting my new tag/title for the transaction involving the trade in.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've contacted Experian on many occasions about inquires I did n't perform. They told me I have to contact the companies. I did that & I was still told to contact Experian. They are giving me the complete run around.
Product: Mortgage

FlagStar bank signed me up for Loan Modification without my knowledge or consent. My payoff amount went from {$310.00} K to {$320.00} K and this is how I noticed that this occurred. My Loan Number is XXXX. 

I was in forbearance hardship for 2 months. I called in XX/XX/XXXX, was on it for XXXX and XXXX, and then came out of it in XXXX. I called XX/XX/XXXX and spoke to XXXX. They signed me up on a Short Term Repayment plan which is 6 months of paying {$3900.00} to get the account current ; Confirmation # XXXX. No immediate documentation on this was sent. It wasn't until XX/XX/XXXX when I received the information regarding this agreement. 

In XXXX and prior, I had asked about refinancing and was transferred to dead-end voicemails. No one wanted to answer my questions directly. I started refinancing with XXXX in XX/XX/XXXX. During that process I noticed my payoff amount increased substantially and I cancelled the refinance. 

I called Flagstar XX/XX/XXXX to understand what occurred. After 2 hours and speaking to about 10 different individuals who transferred me around, they said their system automatically signed me up for Loan Modification.

I would like to have this matter resolved. I would like my payoff amount to return to the original amount which was around {$310.00} K not including a {$3900.00} payment I had made which was never applied to the forbearance.

I am trying to become current with Flagstar but their Customer Service is brutal - read their reviews online - and I am getting absolutely nowhere with them. I don't trust their representatives and their MO is to transfer you when they don't want to answer the question. Please help.
Product: Money transfer, virtual currency, or money service

PayPal is not giving me the refund a merchant made to me despite numerous attempts to get my money back. I am filing a complaint of fraud against PayPal On XX/XX/2023, I purchased a refrigerator from XXXX XXXX, using my PayPal account, in the amount of {$750.00} My PayPal account is linked to my XXXX XXXX credit card, which PayPal instantly charges for all my transactions, and which PayPal credits for all refunds On XX/XX/2023, I purchased a refrigerator from XXXX online, using my PayPal account, in the amount of {$750.00} Upon immediate same-day return of the merchandise, XXXX issued a refund to PayPal and provided me the proof of the refund. 
PayPal has, up until now and despite numerous inquiries, not passed the refund to me, claiming it received it. XXXXXXXX XXXX has provided proof of refund. PayPal has provided nothing to substantiate its position, and refused to investigate the possibility of error of misapplication of credit, or contact XXXX XXXX  to challenge the document provided. 
There's no refund and all entreaties have been met with stonewalling and lies claiming " someone will contact me within 24 hours '' on each occasion, Please see documents loaded.
Product: Credit reporting or other personal consumer reports

I saw a hard inquiry on my credit report back in XXXX made by XXXX on my TransUnion and XXXX credit reports. I called all three companies to notify them that I didn't authorize the inquiry and it was not made by me. I then put a freeze on my credit with all three credit bureaus. I was told it would take XXXX months for the inquiry to be removed by XXXX, XXXX, and TransUnion. I've recently removed the freeze from XXXX, TransUnion, and XXXX. The changes haven't been made and it's been 5 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

I REQUEST FOR THIS COMPLAINT TO BE REVIEWED BY A HUMAN. 
Please reference CFPB Complaint Number XXXX I submitted my original complaint on XXXX. I received an email notification from CFPB stating that the complaint was closed on XXXX. When I read the reason that CFPB Complaint Number XXXX was closed, it stated that the account was never on my credit report/ and or had been removed. Confused, I called into CFPB and spoke to customer representative XXXX. XXXX read back the information to me on the phone, stating that the account is not on my credit report. Please note that this is incorrect information. 

On XX/XX/2022, I waited to pull my credit reports from all three credit bureaus- XXXX, Equifax, and XXXX. Currently, the account in dispute - XXXX XXXX XXXX  Account XXXX is still reporting negatively on my Equifax and XXXX credit reports. This account is reporting twice ( double jeopardy ), on pages XXXX and XXXX of my XXXX credit report and also reporting on my Equifax credit report. I have attached my current credit reports for your review. 

15 U.S.C 1681c ( a ) ( 5 ) states : no consumer reporting agency may make any consumer report containing any 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. XXXX XXXX XXXX XXXX has violated my rights under 15 USC 1681. This company continues to falsely misrepresent that I owe an alleged debt to them to the credit bureaus. I do not now, nor have I ever had a signed written agreement to do business with XXXX XXXX XXXXXXXX XXXX.
Product: Vehicle loan or lease

I paid them 7 months of payments in advance and the balance was XXXX then i make the next payment due and tha balance increases by XXXX dollars that is fraud and loan sharking.
Product: Bank account or service

I just accessed ChexSystems ( XXXX/XXXX/16 @ approx. XXXX ) to request my consumer report. Once I entered all my information, including Social Security Number and date of birth, I could not submit the request due to the fact that the system stated the verification code was incorrect. I repeated entering a different code 4 times. After the fourth time I got the message that an error had occurred. 
I experiencd this same problem a few days ago when I attempted to order my XXXX consumer report. 
I would like CFPB to investigate whether this is a tactic to limit consumers from getting their reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to fix my credit report information with XXXX and TransUnion all the necessary supporting document was provided to correct the problem but its seems like they can not provide and accurate information every time I called a information provided its always been different Ive been trying to fix my report since XXXX but until now information is still not fix Ive missed a lot of opportunity to get the House we wanted for our family and Im into the point of contact a lawyer and help me fixing this matter Ive wasted a lot of hours and time to give a very detailed information to make the process faster but until now its not being fix and the worse part is my credit score kept on getting lower because of all the inaccurate information