23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Between the years of XXXX I was charged over {$2000.00} of overdraft fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a Victim of fraud, my identity was exposed on the dark web, as my ssn, address, dob, and name from the XXXX XXXX data breach and the TransUnion data breach. I demand all these accounts be deleted immediately and blocked from ever reporting on my credit report. The law prohibits any fraudulent accounts from being reported on my credit report. This has defamed my character and dropped my credit report by over XXXX points. I demand immediate removal failure do so will result in XXXX per violation escalation to CFPB, FTC, and FDCPA. I demand all accounts listed to be removed and blocked from any future reporting. 

I have also attached an FTC REPORT FOR YOUR REVIEW.
Product: Credit reporting, credit repair services, or other personal consumer reports

After I got my credit report, I reached out and asked the credit bureaus to check to make sure all information reporting was complete and accurate according to 15 USC 1681i. 

I waited 30 days and never got any kind of response and here is my tracking number : XXXX XXXX XXXX XXXX XXXX. It's now been more than 30 days since then. 

Another thing that troubles me is that they didn't even record the current status of the disputed information! 

This is very aggravating because I now take care of my household and my mother 's household since she's sick now and Experian has been holding me back from obtaining a vehicle to get my mother where she needs to go because according to the law Experian is doing its job.
Product: Mortgage

We fell behind in our mortgage. After 3 months we were told that we could n't make any payments until we had the full amount owed. Since then we have tried applying for making home affordable which from my understanding we did n't qualify for. Then they offered us a streamline modification which mathematically made no sense. To me it seemed borderline criminal. We were also told to just go ahead and make trial payment to keep our house out of foreclosure, which I do n't know if I can believe.
Product: Debt collection

Sent to XXXX XXXX XXXX first as they were collecting on the account. They never responded and its been over 30 days. I reached out to XXXX XXXX XXXX and they informed me they are not handling this account anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting XXXX XXXX XXXX, Account 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 an account without my written instructions.
Product: Credit card

On XX/XX/2023, there were several fraud charges made on my Bank of America credit card which I never made. The charges which made on that day. Bank of America never notified me regarding these fraud charges and said that the card was used so I am liable to pay them {$1600.00}. 
The fraud dispute team also charged me {$30.00} twice for fraud dispute. I would like these fraud charges of {$1600.00} taken out of my credit card balance because these are fraud charges which I never made. I am not responsible for these charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : DEPT OF VETERANS XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX   XXXX XXXX, US DEPT VETS Company Inquiries : XXXX  XXXX XXXX  XXXX XXXX XXXX/XXXX  XXXX XXXX  XXXX
Product: Credit card

Writing to file a public formal complaint against Chase Bank for its persistent breach of the corporate veil and negligence in managing our business and personal accounts. For nearly two years, we have continuously informed Chase of their failure to maintain the necessary separation between our business, and our personal finances. Despite our repeated attempts to rectify this issue, Chase has consistently sent communications intended for our business accounts to our personal email address, and vice versa, putting both our business and personal finances at significant risk. This ongoing mishandling of our accounts by Chase has resulted in severe consequences, including the potential exposure of sensitive financial information and the waste of extensive time and resources on our part. We have spent countless weeks attempting to rectify Chase 's errors, diverting crucial attention away from our business operations and personal responsibilities. We urge the CFPB to investigate this matter promptly and take decisive action to hold Chase Bank accountable for its actions. Failure to address these issues promptly could result in further harm to our business and personal finances, as well as undermine trust in the banking system as a whole. We appreciate your attention to this urgent matter and look forward to a swift resolution.

The attached document is just a sample of the ongoing communications with Chase and the continual circle of endless phone calls and lack of resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus 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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$680.00} XXXX XXXX XXXX  XXXX Balance : {$680.00} XXXX XXXX XXXX Balance : {$680.00}
Product: Checking or savings account

On XX/XX/XXXX, a paycheck amounting to {$1000.00} was deposited into an account that was intended to be closed. Due to this deposit, a customer service representative initiated a withdrawal, which led to the account being overdrawn by {$900.00} since the total balance transferred from the account was {$1900.00}. In XX/XX/XXXX, there was a credit reversal of {$61.00} along with a cash back credit of {$0.00}. After these transactions, the total amount owed at the end of XXXX was determined as follows : starting with an overdrawn balance of {$900.00} and subtracting the credits ( {$61.00} + {$0.00} ), resulting in a total owed of {$950.00} by XX/XX/XXXX after factoring in another cash back credit of {$3.00}. Total Balance Owed at End of XXXX : {$950.00}
Product: Mortgage

Starting around the XX/XX/XXXX/XX/XX/XXXX time frame of XX/XX/XXXX I initiated conversation with my Loan Service Provider to start a Loan Modification process with them. After submitting hundreds of pages of documents that were asked for almost a year now, I still do not have an answer. Recently, because it has taken so long I started to inquire with individuals and companies as to the process and have found out horror stories as to the actions of some banks/loan servicer 's towards there customers. At this time I am terribly concerned that this company is going to come back with a denial and put me in a position to possibly loose my home. 
The amount of time that this process has taken to date is solely on the backs of Bayview as they time and time again asked me for documents that were already received not only by fax, but also certified mail. I literally have 100 's of pages of documents and can not possibly send them. To give you and example of this companies incompetence, I contacted them back in XX/XX/XXXX after they had asked me for a XXXX form for the 5th or 6th time a copy of all of the correspondence that they had from me. A short time later I received 3 large envelopes in the mail from Bayview containing 100 's of  pages of correspondence, many of them BLANK! 
The stress level that this process has caused not only me but my entire family is incomprehensible. My current point of contact at Bayview has never once initiated a phone conversation with me or left a message for either me or my wife. I have had to initiate any communication unless it was an encripted e-mail or correspondence by mail even thought many times through this process I specifically asked for my point of contact to notify me if they did not receive the documents that I had sent only to be ignored and weeks later have them come back and say documents had not been received. I was notified in mid XX/XX/XXXXthat all documents had been received and I would be given an answer within 30 days only to receive an e-mail on the 30th day stating that an additional document is needed. Proof of that document was sent along with bank statements showing the monthly deposits althought those statements had been provided months before. HELP!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried having a bankruptcy that is shown on my Equifax and XXXX credit report removed and it has come back verified after each dispute. I contacted the Court where it shows the bankruptcy at and they state that they do not release public records to 3rd party reporting agencies. Without that information being released from the court this information is not verifiable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out my identity had been compromised because my wallet was stolen from the movie theater. I didn't take the proper measures afterward. I just got a duplicate drivers license and a copy of my social security. Several years later I'm receiving letter after letters after letters of several unpaid for accounts that I have never open. I then started to investigate and pulled my credit to check what all had been open. There are way to many fraudulent accounts open that I am near familiar with. These accounts are not mine. Please remove them. 

XXXX XXXX XXXX {$26000.00} XXXX XXXX XXXX XXXX XXXX {$2700.00} XXXX XXXX XXXX XXXX-XXXX {$1500.00} XXXX XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX XXXX   XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX {$210.00} XXXX XXXX XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX XXXX {$51.00} XXXX XXXX XXXX XXXX XXXX XXXX {$970.00} XXXX XXXX XXXX {$210.00} XXXX XXXX XXXX XXXX {$450.00} XXXX XXXX   XXXX XXXX XXXX XXXX {$4800.00}
Product: Money transfer, virtual currency, or money service

I was scammed on XX/XX/2022 by a fake real estate company that I sent a security deposit to rent an apartment in XXXX, FL. I sent {$2300.00} via XXXX through Santander and then never heard back from the company called XXXX XXXX XXXX XXXX. On that same day I called Santander and was told by the agent that they could already tell they the email address was a fraud. This leads to the obvious issue, if Santander knew that the email account was fraudulent, why did they let the transaction go through? This was clearly fraud and the bank knew it yet did nothing to protect me as a consumer. I find this unacceptable and misleading because bank protected me from Fraud. I have tried to resolve with no success. Please help me resolve with my bank so I can get my hard earned money back.
Product: Money transfer, virtual currency, or money service

I woke up one morning and found that my PayPal account have been permanently limited for 180 days. I tried contacting them about the issue which till now they have not resolved am stuck because I can not do business because all my transactions are done online to the PayPal account
Product: Debt collection

Franklin Collection Serv is charging me a bill that I don't owe, they never contacted me and they are hurting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have submitted disputes to the consumer reporting agencies and I haven't received any updated information pertaining to my investigation on the consumer reporting agency 's side of things I have given them the proper amount of time-based on law which is 30 days and I have also given them extra time to correspond back to me on the results and I haven't received anything back from them in the mail as of today XX/XX/2022. I first made contact with them on XX/XX/2022 and nothing has transpired since then. The company was Transunion. The total process now has been 34 days and counting and I haven't received anything from the consumer reporting agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo suggested that I missed a payment on one ( 1 ) of their credit cards although I never did and I disputed this fact with Wells Fargo. I had an exceptional payment history with the credit card in question until XX/XX/2015. This is when I had an issue with Wells Fargo and disputed their allegation that I was 30 days late on a payment ( XX/XX/2015 ). Wells Fargo dragged their feet and then noted me as being 60 days late ( XX/XX/2015 ) than 90 days late ( XX/XX/2015 ). Notwithstanding, I wanted nothing to do with Wells Fargo and paid the account in full and closed it ( XX/XX/2015 ). Wells Fargo however in a punitive nature reported to XXXX that I paid the account late before I closed it. Wells Fargo is wrong and their actions are negatively impacting my credit score.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the collection account listed on my credit reports with XXXX, XXXX, and Equifax, Upon reviewing my credit reports, I have identified inaccuracies in the reporting of this account that require immediate attention and correction. 

Please find below the details of my dispute : Incorrect Account Status : The account status is reported as " Open '' on all three credit bureaus, which does not accurately reflect the current status of the account. While the account was previously delinquent, it has since been brought current and is being paid as agreed. Therefore, the account should be reported as " Paid as agreed '' or " Current, '' reflecting its updated status accurately. 

Inconsistent Payment History : Although the account history indicates past delinquencies, it fails to reflect recent payments made to bring the account current. While XXXX accurately reflects recent payments, XXXX and Equifax continue to report delinquencies. This inconsistency in reporting requires clarification and correction to accurately reflect the current payment status of the account. 

Discrepancy in Balance Reporting : There is a discrepancy in the reported balance across the credit bureaus. XXXX reports a balance of {$160000.00}, whereas XXXX and Equifax report a slightly higher balance of {$160000.00}. Given that the balance is a critical factor in assessing creditworthiness, I request verification and alignment of the reported balance across all three bureaus. 

Date Last Active : The date last active varies among the credit bureaus, with XXXX reporting XX/XX/year>, while XXXX and Equifax report different dates. This inconsistency raises concerns about the accuracy of the reported information and requires verification to ensure consistent reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Dear CFPB, I am writing to file a formal claim regarding a recent transaction with the vendor XXXX. The transaction in question pertains to a birthday trip to XXXX, scheduled and fully paid for through XXXX for the dates of XX/XX/XXXX through XX/XX/XXXXXXXX XXXX XXXX. 

The decision to cancel this trip was not made lightly but was necessitated by the United States of America XXXX XXXX issued in XXXX, followed by an escalation to a level XXXX travel advisory by the last week of XXXX. These advisories were issued due to several attacks against tourists, including incidents of XXXX XXXX and XXXX targeting US citizens. In adherence to my own safety and in compliance with the travel advisory, I made the difficult decision to cancel my trip to XXXX. 

Upon reaching out to XXXX to inform them of the travel advisory and my subsequent cancellation, I was advised that a refund could not be provided. This response is deeply concerning, as it disregards the significant safety risks outlined in the travel advisory and fails to acknowledge the responsibility of XXXX to prioritize the well-being of its customers. 

The total cost of the trip amounted to approximately {$8000.00}, with two separate reservations made using the same account. The first reservation included a total of five occupants, amounting to {$5700.00}, while the second reservation for the final occupant totaled {$1400.00}. It is important to note that neither reservation resulted in any individuals actually visiting XXXX, as the trip was canceled due to safety concerns. which is why I have also filed a claim with my bank PNC, which is where both payments were completed. Unfortunately, I have yet to receive any form of update or resolution. 

Despite my efforts to communicate with both XXXX representatives and the resort well in advance of the scheduled trip in an attempt to retrieve a refund, I was met with evasive responses and a lack of cooperation. It is evident that the resort was fully aware of the increasing number of cancellations due to the travel advisory and chose to avoid addressing refund requests. 

In light of these circumstances, I am formally requesting a thorough investigation into this matter and a full refund of the funds paid for both reservations. I believe it is imperative for XXXX to uphold its duty of care to customers by acknowledging the validity of the travel advisory and providing appropriate refunds in cases where trips are canceled due to safety concerns. 

I appreciate your attention to this matter and trust that the CFPB will take the necessary steps to ensure a fair resolution is reached. 

Sincerely, XXXX
Product: Credit card

There was an unathorized charge to my paypal account to an unknown person in the amount of {$31.00} I immediately notified paypal and they didnt reverse the transaction and they closed my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is not putting the accounts in question in disputes unless I call in and spend 2 hours minimum on the phone trying to get it done. They continue to state that they need me to send in certain documents but ignore my documents for 3 months and demand I send them again before my disputes can be looked at. All they say is that the back office team needs to look over the documents but fail to comply with notifying myself of the disputes and continue to spam me with mail requesting my license and other information Ive sent over several times in the last 11 months. 

I am gathering all of this proof carefully and very organized to pursue litigation with the help of my lawyer. 
By reporting these inaccuracies you are in violation of 15 USC 1681b ( a ) ( 2 ) ; for a consumer reporting agency may furnish a consumer report under the following circumstance and no other : in accordance with the written instructions to the consumer to whom it relates.

EQUIFAX has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so. These actions have caused my family and i great deal of injury. 
Furthermore, I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under XXXX XXXX XXXX sec. XXXX. 

Account Name : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$32000.00} Account Type : Charge Off Account # : XXXX Account Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} Account Type : Charge Off, Deposit Related Account # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX : Account # ( 7 total ) Sent via XXXX  # To whom it may concern : I recently disputed with all three ( 3 ) credit  reporting agencies the accuracy of reporting on this account, and the results came back either " verified '' or " updated ''. There are several inaccuracies across all three credit reporting agencies. 

This is a Notice of Direct Dispute with you, under the provisions of FCRA 623 ( a ) ( 8 ) ( D ), of the accuracy of information you have reported to my credit file. In compliance with FCRA 623 ( a ) ( 8 ) ( D ), and enacting regulations published at 16 CFR 660.4, this Notice of Direct dispute includes : Fedloan Servicing as shown on my Credit Reports ( attached ), is showing incorrect information. 

Basis for dispute : 1. You verified Recent Balance as " Not Reported '' 2. You verified High Balance as " Not Reported '' 3. You verified account status as " Transferred, closed '' 4. Date of Status hasn't been updated since XX/XX/XXXX 5. Actual Payment Amount is {$0.00} on XXXX  6. XXXX XXXX XXXX {$0.00} on XXXX 7. Date of Last Payment is incorrect on XXXX 8. Account Status on XXXX is " Over 120 Days Past Due '' Supporting evidence : Under the provisions of FCRA 623 ( a ) ( 8 ) ( E ) and 16 CFR 660.4, you are required to review the information that has been provided to you to complete your investigation of this Direct Dispute within 30-days of this notice. I demand a written response from the competent authority in your organization no later than XX/XX/XXXX to my address of records. 

Should you find the disputed information to be inaccurate or incomplete, or if you can not verify the accuracy or completeness of the disputed information, you are additionally required, under FCRA 623 ( 1 ) ( E ), to also promptly notify the credit reporting agencies of deletion of this information from my credit file. 

Enclosures : XXXX  dispute - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX