23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

XXXX XXXX XXXX XXXX has reported a open balance of {$1700.00}. A lady came to my home questioning me on this amount. This balance is for a LLC. Amount is for automobile parts at a XXXX my deceased husband had XXXX XXXX XXXX. This does not belong to me.
Product: Debt collection

PayPal debit my account for {$250.00} on XX/XX/XXXX generate a negative balance, saying that I had a duplicate credit after I disputed a transaction with PayPal Credit Synchrony Bank on XX/XX/XXXX. I contacted both companies every day since XX/XX/XXXX with no help at all to resolve the issue, and each company do not have support about I own a duplicate credit, they just answer my complaint saying that the opposite company need to resolve the problem. Not sure how these XXXXwo companies share information or do business together but they mess it up my PayPal account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my XXXX  WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under XXXX XXXX XXXX XXXX XXXXXXXX regarding your continued willful and negligent noncompliance. 
Despite XXXX written requests, the unverified items listed below still remain on my credit report in violation of XXXX XXXX. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your XXXX investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section XXXX ( a ) ( XXXX ) ( A ) & Section XXXX ( a ) ( XXXX ) ( A ). Furthermore you have failed to provide the method of verification as required under XXXX XXXXXXXX ( a ) ( XXXX ). 
Please be advised that under XXXX XXXX ( XXXX ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me ( XXXX XXXX XXXX XXXXXXXX ) if you fail to comply with XXXX XXXX. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
I demand the following accounts be verified or deleted immediately : Account Name : XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXXXXXX XXXX  Account Number : XXXX Reason : I don't recognize this account Thanks, XXXX XXXX
Product: Credit reporting

I requested a report from MIB after I was turned down for insurance by XXXX XXXX XXXX. XXXX After a reconsideration request by me XXXX approved a higher cost " rated '' insurance plan. 
The XXXX code symbol translation in the MIB report states that I am currently under treatment for XXXX XXXX I am not currently being treated, nor have I ever been treated for XXXX XXXX. I have a steady and healthy XXXX XXXX.
Product: Credit card or prepaid card

I canceled a subscription with a internet company called XXXX. A charge was made on my capital one spark business card. I tried to get the charge reversed through Capital One. They asked me to upload proof. I submitted emails from XXXX stating that they have received my subscription cancellation. Capital One refused to reverse the charge and sent me a letter on XX/XX/2022 stating that.
Product: Checking or savings account

My checking account with Chase bank was hacked and 21 unauthorized ACH transfers were made in a 51 day period totaling almost {$10000.00} without the fraud department contacting me once even though fraud alerts settings are active on my account. Here are the dates and amounts : The transaction description showN on most shows : XXXX XXXX  XXXX XXXX XXXX XXXX WEB ID:XXXX. C XX/XX/XXXX : {$32.00} XX/XX/XXXX : {$78.00} XX/XX/XXXX : {$120.00} XX/XX/XXXX : {$900.00} XX/XX/XXXX : {$900.00} XX/XX/XXXX : {$4.00} XX/XX/XXXX : {$220.00} XX/XX/XXXX : {$320.00} XX/XX/XXXX : {$320.00} XX/XX/XXXX : {$320.00} XX/XX/XXXX : {$450.00} XX/XX/XXXX : {$450.00} XX/XX/XXXX : {$450.00} XX/XX/XXXX : {$450.00} XX/XX/XXXX : {$450.00} XX/XX/XXXX : {$450.00} XX/XX/XXXX : {$620.00} XX/XX/XXXX : {$620.00} XX/XX/XXXX : {$620.00} XX/XX/XXXX : {$620.00} XX/XX/XXXX {$900.00} PENDING : {$900.00} Total : {$10000.00} CHASE stated they will not cover the transactions.
Product: Mortgage

during the summer of 2017 my home was damaged by hail. I turned a claim in and the insurance company sent an adjuster out. the insurance company issued a check which was made out to myself and Bank Of the West. I signed the check and asked BOW to deposit it in my acct. Bank Of the West never put the money in my account, but rather held it till the repairs were completed. well the repairs were completed a month ago, and the cost was much higher than the insurance believed it would be. I paid the last {$2000.00} out of my pocket, but yet Bow wont release the remaining {$890.00} from the insurance settlement. I own the home, I own the policy, and I paid for the repairs. My mortgage is current, it has never been slow, short, or not paid. I believe the Bank of The West is guilty of insurance fraud since they are withholding funds that were destined to be used on the repair of my home.
Product: Debt collection

LVNV FUNDING has been non-compliant with removing the unverified account information. I sent letters because I have no knowledge of this account I sent them several letters no response. I sent an 611 letter to the credit report agencies to see if they would've had better luck one of the reporting agencies closed the account and reopened it and the others came back verified and I have yet to see and paper work with an signature or anything to show proof several laws are being broken and I have rights.
Product: Debt collection

I honestly do n't know who is worse, this shady/crooked " law firm '', or the medical group that hired these XXXX. My wife, who was off of work due to a high-risk XXXX, while I myself was XXXX, had to have an emergency XXXX due to complications with labor. After the emergency XXXX, she got an XXXX, which made her be off from work even longer than expected, a total of 12+ weeks. Even with short term XXXX ( 60 % of pay ), with a family of four, with a house and other expenses, the medical group sent her/our account to these XXXX for collections, a mere 4 months after the procedure. Do the math, that put her back to work for one month, when the medical group and these bullies, collaborated to bring a suit against her. We never heard anything from this firm of XXXX, until I happened to be browsing our State 's court system website, checking on another matter, that I came upon the case opened. We dug through our stack of bills that we struggled to pay as we could, and I came across the bill for the medical group. I immediately went online to their bill payment system, and even though we did n't have the money really, pad the bill in full, per the amount showing on her account number. I contacted the medical group, and then called this firm to speak to the attorney who opened the case, XXXX XXXX. Instead of having enough fortitude to speak to me directly, she hid in her office, and I had to deal with some bargain basement paralegal, who copped an attitude with me, telling me that we owed an additional {$160.00}. I told her that we settled the bill, and since the case had n't actually been in front of a judge, that we were not paying for any court fees, etc., and that if she/they had a problem with it, to contact the medical group, whose bill was PAID IN FULL. She gave me all the attitude of a spoiled little, daddy 's girl, debutante, that I could handle, and I finally just hung up on her. Fast forward a month later, and these XXXX seriously went to the trouble and effort of opening a case for that additional {$160.00}, which we were not aware of at all, until a judgement had already been made, making it impossible for our side of the story to be heard in open court. It is people of such low morals, with their elitist, bourgeoisie enabling mentality, that fight for the already rich, to take from the poor, to make the rich ( themselves included ), even richer. Preying on working class families, and potentially taking food out of the mouths of small children. 

If you own a business, do not do yourself the disservice of hiring people like this. In one case, you 're only out money for an unspecified amount of time, and in the other, you have sold your soul to the XXXX, or some other form of XXXX XXXX.
Product: Student loan

Mohela is requesting for payment however, I never took a student loan from Mohela. I've contacted XXXX XXXX and they DO NOT have any new student loans to suffice this new student loan that was initiated with Mohela. 

My name is misspelled in the account. They need to escalate and figure out the loan itself. In my opinion, since the company offers multiple options. In my opinion it's not a student loan it appears someone actually took another loan and they linked it to a student loan by utilizing my personal information. The funds need to be tracked to see who's account the funds were automatically deposited to or the address the check was mailed to. Further escalation will need to be investigated asap.
Product: Credit reporting or other personal consumer reports

I have contacted all three Credit bills every negative year that I have disputed. I have asked them to give me a copy of the original purchase agreement and all they keep saying is it came back verified but no one is giving me the original paperwork of this so-called debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This item was paid off for deletion with XXXX XXXX XXXX card and it is still showing on my creditor report. It has also now been 7 years and the item has aged off and should have been deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Equifax are all lowering consumers credit scores, so the interest rates can be raised and we are charged more. They are allowing lenders to report false and inaccurate information on our credit reports so they can cash in on it. This corruption needs to stop. I have been building a case against them for a year now and have documented 10 failed attempts with the CFPB failure to comply and get the job done. So it is now time to sue all three Corrupt credit reporting companies in order to stop the fraudulent activity on my report. The are breaking Federal Law by lowering consumers scores, so they get paid by the lenders to make sure our scores stay  low, so they can charge high interest rates. This is their way of getting around paying government fines and maximizing their profits. THINK ABOUT IT! XXXX XXXX in revenue. Where is all this money coming from? The financial institutions are paying XXXX, Equifax and XXXX to do this. Why do you think Equifax had the breach. Because I know who is doing it. AND WE ARE GOING TO EXPOSE YOU AND YOUR CORRUPTION> I cant wait until I cash my first settlement check from you tyrants
Product: Credit reporting or other personal consumer reports

These 5 items that are reporting on my EQUIFAX credit report ( SEE ATTACHED ) are fraudulent, inaccurate, and unverifiable. ( SEE ATTACHED )
Product: Checking or savings account

On XX/XX/year>2025, I paid {$100.00} for an alignment service at XXXX and XXXX XXXX. After the service, I noticed that my car was still pulling to the right, which was the original issue that led me to seek the alignment in the first place. I went back to the shop, and they tried realigning the car again, but the issue remained. The shops employee then claimed that the problem was due to the tie rods, even though they had not properly diagnosed the issue. I never received any receipt or formal documentation, such as an alignment chart, or a work order. This lack of documentation made it difficult to prove the service was done correctly. The shop did not perform a full diagnosis and did not communicate with me after their second test drive, leading to a situation where I was unable to verify if the service had been completed properly. Additionally, they never provided a receipt for my payment. I requested a refund, but they refused and attempted to upsell additional services. I also had a similar issue with another shop, where they denied my dispute for a {$80.00} charge for alignment services that were not completed properly, despite showing evidence that the service was incomplete. I am requesting a refund for both charges as I did not receive the expected services in either instance. 

Attached is the alignment chart from the second shop, which shows that one of the wheels still had an issue and wasnt properly aligned. The lack of proper documentation and the incomplete service at both shops support my claim. I am seeking a full refund for both the {$100.00} and {$80.00} charges.
Product: Credit reporting or other personal consumer reports

My regular payment history does not align with these late payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I've contacted AM XXXXXXXX XXXX & they told me I've never missed a payment, yet Equifax refuses to remove me from being listed as late on XX/XX/20 on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Equifax 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX I pulled my credit report to see exactly what was listed on there. I found a collection entry from Convergent Outsourcing {$580.00} with a date open date of XX/XX/XXXX on credit report and XX/XX/XXXX on XXXX others. Well I want this item to be removed from my credit report and I want the company to send me a letter stating that the collection item has been removed. I have never had a XXXX XXXX account and I know it is n't mine because I was serving XXXX years in XXXX when this collection was put on my credit report. So this is ID Fraud
Product: Checking or savings account

I was checking my balances in my savings account and noticed that Navy Federal Credit union had removed a XXXX for IRS withholding from my savings account. I called and they explained that my information on their files did not match anything the IRS had on file. This response is beyond ridiculous. I opened this account back in XXXX of this year and all information was given to them. If something is missing then the proper thing to do is to reach out ie ) a phone call, or email at least some request for contact before taking a customers funds.
Product: Money transfer, virtual currency, or money service

I am filing this to complaint against Cashapp for there improper service and unfair practice. Which i believe violate the CFPA. They failed to prevent fraud and had inadequate support about it which caused my account to be vulnerable and unprotected. Furthermore the dispute resolution process was deceptive and inadequate as they did not comply with error resolution requirements under the EFTA and Regulation E. This has caused me significant inconvenience and loss. And I am hoping to get remediation and fix of the injust system they have.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DID NOT AUTHORIZE OR NOR CONSENT TO THE FOLLOWING INQUIRIES BEING FURNISHED ON MY CONSUMER REPORTS! 
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 XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX.
Product: Mortgage

My mortgage was sold again. The previous lender, Franklin American sent me a annual escrow disclosure statement before transferring to my new lender. I noticed they are missing a deposit to my escrow account in XXXX 2015. I contacted Franklin and they confirmed they received my mortgage payment in XXXX, but did n't know why my escrow account did n't reflect that. I faxed the statement to them last month and they have n't responded. I followed up with my original lender and she thought it looked like a payment was missing also. She sent an inquiry to her Franklin contact and I have not received a reply from anyone at Franklin. I need help recouping my missing escrow payment as they are nonresponsive. Can you help me or direct me to the department that can help me? 
Thank you, XXXX XXXX
Product: Mortgage

Hello, I am writing to you because it is almost 6 months since I called my mortgage FREEDOM Mortgage asking for help to save my home. at the beginning they told me to provide a list of documents in order to be reviewed. 

I faxed, mailed, and email all documents requested, never got a call back from anyone. I called and I spoke to XXXX XXXX who told me he was the XXXX for the department and he told me he apologize but they forgot to review my account. 

I asked them the reason why no one never return my calls after numerous times. he stated that the person assigned to the file left on vacation and didn't get a chance to review my application. He also told me that I had to re submit my application since they lost the documents. 


I re fax all the documents 2 days later and now XXXX XXXX XXXX ( manager - Toll Free XXXX ext XXXX & XXXX XXXX ) refuses to return my call. 

I called again and I was able to get a hold of another manager who stated that XXXX XXXX XXXX left the office on vacation and they had no access to my loan modification application. 

I am very frustrated since FREEDOM Mortgage keeps playing games with my loan modification application and now they are refusing to return my calls. 

Please help since it is almost 6 months trying to get help and FREEDOM Mortgage keeps manipulating my request to get me out of the program. 


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

I submitted a request for a follow suit on a collections account. I sent the information to Equifax and the collection account came back verified through Equifax. When XXXX attempted to verify the debt they couldn't so they in turn DELETED the account. There would be no way one could verify the account and the other can't. This does not provide for MAXIMUM POSSIBLE ACCURACY WITH MY REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern I have been contacted Regional Acceptance Corporation many times concerning my original contract with the company. I surrendered a vehicle on my own will, known as an XXXX XXXXXXXX To date XX/XX/2021 the car has yet to be sold. It is my intention to pay-off the remaining balance for the vehicle once sold, as I was verbally told by the company that this would be possible so my credit report would not show a large charge-off. When I made contact with the company as of XX/XX/2021 I was told that a report was made to all three credit bureaus showing the payment to be 180 ( + ) days late. I request your assistance in this matter, as this information is incorrect and I am trying to act in good faith here to resolve this matter correctly, as to not destroy my personal credit.
Product: Student loan

Every year I pay an additional amount on my two student loans to Discover Student Loans and every time they mishandle it and I have to resolve the problem myself each time. Most recently I attempted to pay off my loan on XX/XX/XXXX and payment was posted and processed and the over {$8000.00} payment I posted and recieved confirmation was then changed to the minimum charge which was just over {$100.00}. They now are attempting to continue to charge interest on the full amount.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX XXXX, and I am writing to dispute certain items on my credit report. These items are invoking my rights under the fair credit reporting act section 15 USC 1692G and 15 USC 1681-S-2 upon review I have identified inaccuracies that require immediate attention. Please investigate, update, correct and remove these discrepancies promptly. Also in accordance with 15USC1681-C-2 it refers to blocking information resulting from identity theft from appearing on a consumer 's credit report. This section outlines the process by which I as a consumer I am requesting that information from identity theft be blocked from my credit report. As well as it is the responsibility of the XXXX XXXX XXXX and handling this request. Additional Unauthorized Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

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 XXXXXXXX : # 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.