23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I have contacted Security Finance several times in an effort to have them report correctly to the credit bureau that the account I had with them does not have a balance. According to my credit report they continuously verify the account as showing a {$900.00} balance. I recently spoke with a representative at the XXXX, AL office that informed me that the account reflected a {$0.00} balance and was agreed to be listed as paid in full and is listed in their system under bankruptcy filings. However, that is not the case as it reflects on my credit report. The representative also informed me that the system in which they report to the credit bureaus has been inoperative since XX/XX/2016. I questioned them and asked if the system is not working, how could they possibly be reporting correct information. I did n't get a response. According to the FCRA reporting false information to the credit bureaus is against the law and is rights for me to collect up to {$1000.00} per violation. I have informed them numerous times reporting inaccurate information is unfair to me as a consumer and they are diminishing my credit history on purpose.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, our office manager XXXX XXXX, came running to my desk stating she received a message that we were past due on our electricity bill from XXXX XXXX. She handed me a paper with the information to pay the bill with a reference number. I ask her to come back to my desk so I can make sure it gets paid correctly. So she called the agent back I signed into the company account but we didn't have XXXX bill pay through our company bank account. I opted to use my personal bank account and I'll just expense it. First they gave the email XXXX to pay but my XXXX  kept stalling. So XXXX XXXX asked for an additional number because it wasn't going through. XXXX then handed me the phone he gave me a number XXXX to use with reference number XXXX and to screenshot the image and send it to XXXX to confirm. I did, he says he's going to confirm with management and puts us on hold I give the phone back to XXXX XXXX. She comes back to me from the front desk and states, the electricity was included with the rent. and that they would process me the refund to give them my number and request a refund. So I did, but then they stated to put in the request line a dollar amount {$4000.00} it was their code. That's when I told XXXX XXXX to hang up the phone we just been scammed and I immediately called my Bank, Bank of America. Bank of America, took my information and stated they would have a decision within 10 business days. I called and received the message they haven't come to a conclusion yet and are investigating with the other party to try and retrieve my funds it could take up to 45 days, I received a letter in the mail stating unfortunately they were unable to approve my claim. That Bank of America completed the transfers according to the instructions I provided them and therefore no error occurred.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report I saw an outrageous amount of accounts under my name are not mine. Please delete these items from my report. XXXX XXXX {$370.00} XXXX XXXX  XXXX {$580.00} XXXX XXXX XXXX {$130.00} XXXX XXXX   XXXX {$440.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXX XXXX XXXX for {$1900.00}. I do not have a contract with XXXX XXXX XXXX XXXX, and they did not provide me with the original contract as requested. Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. This company has no permission to report anything using my personal information pursuant to 15 USC 1681 4.
Product: Checking or savings account

XXXX years ago I took my Grandson into XXXX XXXX  in XXXX XXXX to open a savings account with his graduation money. I asked if they charged a monthly fee and was told no if I kept at least {$300.00} in my account. The name was open in XXXX 's name and I was also on account. We deposited {$1800.00} in XX/XX/XXXX and left it in until XXXX XXXX. When we went to withdraw the money, it was only {$1700.00}. When I asked why, I was told there had been a $ 4 monthly fee charged to the account. I told them that was not what I was told. The man said he had to get ok from bank XXXX to refund the {$72.00} in fees. After a week, I was told they would not refund the fees. They gave me phone number for XXXX customer resolution person. I called and explained situation. I was told they would get back with me. After almost 4 months of trying to talk to person who was handling my case, she finally called and told me XXXX XXXX bank was not willing to refund my money, so case was closed. 
The only paperwork we received when opening account was paper showing how much we were depositing. The whole time we had the account, we never received a statement. They said they had mailed them to us, but we never received anything. The only correspondence we ever received from XXXX XXXX, was XXXX in which they inquired if our account was still active and if so, we had to sign and return the letter, which we did. I would never have put my Grandson 's graduation gift money into an account that charged a fee. The lady that opened this account has since retired, but I was told by bank employee that they have had other problems with accounts she opened.
Product: Credit card

I used my Apple Card to purchase two tickets for a local concert. When I attempted to use my Apple Card I received an error from XXXX saying my payment couldnt be processed. So I waited a minute and tried again. The second time the purchase was successfully made ; however, I was charged twice. I attempted to resolved this with the ticket company ( XXXX ) they submitted a request for refund but I never hear from them again. So I tried again with the ticket company. They submitted a second refund request. I never heard back. So I went to XXXX and disputed the additional charge. They replied that I intended to purchase all those tickets which Im fact I had not.
Product: Mortgage

I have a mortgage with Wells Fargo. I requested a modification on my loan due to medical hardship for my elderly dependent father. I requested this modification in XX/XX/XXXX, my documentation was lost several times, the shortage I paid for my escrow was not applied {$1600.00}, information was requested several times, I was asked the same question several times. XXXX XXXX in the Home Preservation Department couldn't answer any of my question, never answered her phone and when I did call, she could not provide answers she just repeatedly asked for the same information. I filed a complaint case still no resolve. As of today, I paid the storage escrow for my mortgage XXXX of XXXX, the modification amounts are still incorrectly Wells Fargo has calculated a higher monthly payment due to a storage paid in XXXX of XXXX. My numbers are incorrect, customer service is incompetent and I'm getting overcharged on my monthly mortgage. 

I have already spoken to XXXX XXXX, XXXX XXXX ( executive Office Case Manager ) Case number # XXXX, XXXX XXXX, and XXXX XXXX, I was assured that the escrow payment would be applied, I was also sent written confirmation of such and as of today, my escrow is still short, and the monthly payment is incorrect.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on the matter concerning my Discover account, which I have previously disputed in my response to the XXXX letter you sent. 

As of the date of this email, I have not received any response or acknowledgment from your institution in relation to the issues I raised in my previous communication. Given the seriousness of this situation, I wish to emphasize the importance of a timely resolution. 

I must reiterate that I am a victim of identity theft, and there is no existing written contract or agreement between myself and Discover pertaining to the accounts in question. The absence of a legally binding agreement, as required by federal laws such as the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ), underscores the need for your institution to provide the necessary evidence and documentation to substantiate any claim made against me. 

In my previous communication, I requested that Discover provide any legal documentation, evidence, or information that supports your claim and establishes my liability in this case. It is my sincere hope that you will promptly address this request to facilitate a fair and just resolution. 

I understand that resolving matters of this nature can be complex and time-consuming, but it is essential that my rights are protected as a victim of identity theft. The FCRA and other federal laws are in place to safeguard consumers from fraudulent accounts and ensure that victims are not held liable for actions they did not authorize. 

I kindly request that you prioritize this matter and provide a timely response, as I am eager to bring this issue to a satisfactory conclusion.
Product: Credit reporting, credit repair services, or other personal consumer reports

ONEMAIN KEEPS PULLING PROMO INQUIRIES FROM OUR XXXX  AND XXXX, AFTER OPTED OUT.FURNISH LETTERS FROM XXXX  AND XXXX  STATING THAT WE ARE REMOVED AS SUCH. XXXX XXXX, XXXX XXXX, AND 5 OTHER CLASS ACTION MEMBERS.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXXXXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXXXXXX Account XXXX has violated my rights. Or a list of inquiries : 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

LastXX/XX/XXXX, I sent this company a letter disputing several accounts that I do not recognized. From the account number to the opened date and creditor name, I do not recognize those pieces of information which is enough reason for me to to practice my rights and request for an investigation. I disputed the following accounts : XXXX XXXX Ref # XXXX , COUNTY OF XXXX XXXX ref # XXXX, XXXX XXXX ref # XXXX, XXXX XXXX XXXX ref # XXXX, XXXX XXXX ref # XXXX, XXXX XXXX XXXX ref # XXXX It has been more than 30 days and yet nothing has been provided to me or sent to me as validation document, that was used in their investigation. This is a clear violation of FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX  i have been a victim of identity theft i have court records and have identified in XXXX XXXX, XXXX XXXX and XXXX XXXX that she has used my name and was prosecuted. 
If car was repossessed and sold or auctioned off then it need to reflect that
Product: Credit reporting or other personal consumer reports

I recently check my account and noticed that 2 late incorrect payments on my account. 
XXXX XXXX XXXX XXXX XXXXXXXX days late in which account was closed XXXX and XXXX had already sold my account to Dept of EDXXXX XXXX.
Product: Debt collection

XXXX XXXX XXXX XXXX in XXXX, WI is representing XXXX XXXX XXXX XXXX XXXX XXXX XXXX in a case versus XXXX XXXX for a student loan that she got in XXXX. XXXX stop paying them in XXXX of XXXX and they sent me, XXXX XXXX, XXXX XXXX 's mother a letter stating my paycheck was going to be garnished. They didn't provide me with the proper information about the loan or information about the client, XXXX XXXX XXXX XXXX XXXX XXXX. When asking, the Representative, XXXX, phone number, XXXX, ext. XXXX for this information he said he's not giving it to me. A court date is set up for me on XX/XX/XXXX. I'm not sure if I trust this agent or not so I didn't provide them with any of my information. I'm not sure if the loan is in default or how the client got a hold of the loan because they are not a regular service or guarantor. They communicate through the lawyer 's company. I'm want to know why a payment plan wasn't setup first from the client before trying to garnish my check. Is this place legitimate or not, I'm not sure because I'm not receiving the information I need. I want to see the original loan form and promissory note for this loan before I pay anything to them. I am the co-signer and I did this if my daughter wasn't capable to pay it back, but she is and i have proof. Also, my daughter is not being cooperative with me either. She is working on her XXXXXXXX XXXX degree and has two jobs. She is capable of paying off her own loan. I don't know what she told them. I also tried settling with them twice.
Product: Mortgage

I got a reverse mortgage in approximately 2006. I can't state that I was informed about the taxes I am not sure. Champion Mortgage now has the loan and I would pay the taxes then I would make payments to repay the amount. They are charging me for homeowners when I have been paying homeowners since I bought the home. I have informed Champion and I am sure that a lot of what they are trying to foreclose on is the insurance. No one there took any interest in what I had to say. I am XXXX and need help. The company looked into the taxes that was owed but did not show any credit for all the years of home owners insurance I paid since 2006.
Product: Credit reporting or other personal consumer reports

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

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

Accounts : XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX. 

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

15 U.S.C 1681 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 mor than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

i recently sent a letter to the MIDLAND FUNDING and in That letter i clearly demanded to see and receive copies of the purchase agreement FROM THE ORIGINAL CREDITOR ( XXXX XXXX XXXX ) for the alledged debt, and the relationship documents with my wet signature of consent that allowed a third party to buy the debt ( Debt validation was never sent nor received ) and ive yet to get a response from them but they continue to harrass me phone calls with no proof of validation to collect on the debt. And if they have anything with my signature on it, than they are now beyond the allowed 30 day grace period to inform me that they obtained the debt which is a violation of the FCRA, IN ADDITION I clearly stated my request for them not to contact me by phone, at home or work or anywhere else. This letter was sent via certified mail with return receipt, which I have proof of. Since you have continued to call me after receiving that letter, you are now in violation of the FDCPA which I assume you know very well. And they continue to harrass me with phone calls and collections notices of debt that do not belong to me and if they continue to pursue reporting on my credit report than i would like to take legal action as soon as possible.thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified inquiries indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these inquiries to be deleted ( A ). I will take legal action against you if you do not validate these inquiries. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have been trying to have a satisfaction/ Release of mortgage recorded in public records on a mortgage that has been paid in full since 2004
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

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

Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally dispute a debt that appears on my credit report and to lodge a complaint against the collection agency reporting it. Given the recent legal actions against Experian regarding inaccurate reporting and other violations, I believe that my account has been unfairly and inaccurately handled, and I request an immediate investigation into this matter.

I have reason to believe that this debt is inaccurate or has been improperly reported. Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am requesting : Validation of the debt, including proof that I owe the stated amount and that the collection agency has the legal right to collect it.

An investigation into whether this debt has been inaccurately reported or remains on my report due to errors by Experian or the reporting creditor.

Immediate removal of this debt from my credit report if it can not be fully validated.

I have attempted to resolve this issue with Experian and the collection agency, but I have not received a satisfactory response. Given the lawsuit against Experian and its potential impact on credit reporting accuracy, I request the CFPB 's intervention to ensure my consumer rights are upheld.

Please provide me with a written response regarding the steps your office will take to investigate and resolve this matter. Enclosed are copies of relevant documents, including my credit report, previous dispute letters, and any responses received from Experian or the collection agency.

Thank you for your time and attention to this matter. I look forward to your prompt response and resolution.
Product: Checking or savings account

XX/XX/XXXX My bank account closed my federal income was sent and now I dont know where the refund is located at?
Product: Credit reporting or other personal consumer reports

This is my request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. 

The credit bureaus are required by federal law to respond within the statutory time range, but they have yet to do so. If you don't comply with the request, the things in question should be updated right away. Please remove the following.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received a notification from XXXX  stating comenitycapital/XXXX, got a copy of my XXXX  credit report and i have no known knowledge of applying for anything with or related to this company.