23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have accounts that I do not recognize on my credit rort from XXXX FUNDING. I can't find any records of ever doing any business for credit with this copy. Please send me any type of proof of claim for this account the is an obvisously in error.
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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The : following items need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX Balance : {$510.00}, XXXX XXXX XXXX XXXX Balance : {$30000.00}, XXXX XXXX XXXX XXXX XXXX : {$40000.00}, XXXX XXXX XXXX Balance : {$1400.00}, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  XXXX Balance : {$30000.00}XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$30000.00}, XXXX XXXX XXXX XXXX XXXX : {$40000.00}, XXXX XXXX XXXX Balance : {$1100.00}, XXXX XXXX XXXX Balance : {$1400.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan

I recently missed a lot of work over the past 4 months due to XXXX and other Medical issues. 
At the time I missed I had no PTO ( Paid Time Off ) and could not get FMLA approved. 
So I felt as if the only thing to do is take out XXXX payday loans with XXXX different Institutions. 
Due to the fact that I am in a Chapter XXXX, with only 7 Months to go things could go really bad for me. 
I could be evicted if my rent is not paid and at XXXX become homeless for I have no family or friends that can help me. 
The first was Advanvced Financial for {$1600.00}. 
They charge % 279.50 APR. My payments are XXXX per paycheck ( bi-weekly ). 
The second was with XXXX ( XXXX XXXX XXXX ) This place charges % 519.22 APR. There was also a finance charge of {$860.00}. 
The loan was for {$1200.00} the payoff is {$5000.00}. 
They will be taking {$250.00} out of every check ( bi-weekly ). 
With my current rent, utilities, gas, groceries, Insurance ext .... 
There is no way that I will be able to make the money to pay what they are asking. 
I have a meeting tomorrow XXXX/XXXX/2016 at XXXX with my Chapter XXXX Attorneys. 
If they can not help me I do not know what I will do. 
If there is any way that you can help I would greatly appreciate it. 

Thank You, XXXX XXXX
Product: Debt collection

I checked my credit report and noticed a new fraudulent account. Transunion and XXXX are not on the same page about the name of the account and are not reporting factually. This is a violation of 15 US Code 1681b ( 2 ). Credit Reporting Agencies are required to use fairness and accuracy in their reporting methods. I have filed an Identity Theft Report and attached it below. remove the account please. 

Account XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX )
Product: Debt collection

American Express performed a charge off on my personal credit report for {$720000.00} that was fraudulently conducted by another person
Product: Checking or savings account

PNC does not allow " linking '' of our accounts with accounts that reside at other financial institutions, such as money transfer services such as XXXX, XXXX, and XXXX. PNC 's policy is harmful to consumers and an unfair business practice, given that every other large regional/national bank allows account linking. 

PNC has denied me access to over {$130000.00} because of their unfair and self-serving account linking transfer restrictions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a Third Party. I am requesting that the following accounts be removed. These are fraud, I didnt benefit, apply for, and authorize these accounts. 

DEPT OF ED/XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX Experian and XXXX   credit bureaus keep putting these fraudulent accounts back on my credit. These have been reported and claimed to be not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting two accounts in my credit profile under an authorized user. Let me be clear I have never held a XXXX XXXX card for XXXX nor XXXX  much less having one in my credit report. 

Those cards that are on my profile are affecting my utilization % and this is not ok. 

Please verify and remove such accounts from the credit bureaus as soon as possible. 

I attached a copy of my XXXX  report, however, I have confirmed the existence of these accounts with XXXX  and Equifax.
Product: Credit card

To Whom It May Concern, I am filing a formal complaint against Apple Card ( issued by Goldman Sachs Bank USA ) for failing to resolve a dispute despite my submission of sufficient evidence. Below are the details of the disputed transaction : Dispute Case Number : XXXX Transaction Date : XX/XX/year> Merchant Name : XXXX  Disputed Amount : {$14.00} Amount to Be Re-billed : {$14.00} I provided all necessary documentation to support my claim that this charge was either unauthorized or incorrect. Despite this, Apple Card has neither resolved the dispute nor provided any valid explanation for re-billing the disputed amount. 

I find this handling of my dispute unacceptable and unprofessional. As a result, I am requesting immediate action to thoroughly investigate this case and issue a refund for the disputed amount. 

If this issue is not resolved promptly, I will seek further action to protect my consumer rights. 

Thank you for your attention to this matter. 

Sincerely, XXXX
Product: Credit reporting or other personal consumer reports

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing me significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Product: Credit reporting or other personal consumer reports

XXXXSELFLENDER Requested the lender to validate information and my credit report still reflects invalid and different Information for each bureau
Product: Money transfer, virtual currency, or money service

I was sending money through coinbase to a company called XXXX, which as it turns out is a scam.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Incorrect Name - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Address - XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023
Product: Checking or savings account

Wells Fargo Bank XXXX. opened a fraudulent checking account in my name. XXXX unlawfully sent via XXXX XXXX Mail falsified checking accounts statements for XXXX MONTHS : XXXX, XXXX and XX/XX/2021 to my home address. 
Wells Fargo is aware of their intentional fraud, corruption and ongoing illegal behavior against the victim. See XXXX XXXX XXXX states : Line XXXX ) The " Deposit Account Agreement '' was opened XXXX XXXX effective XXXX XXXX. 
Line XXXX ) All aspects of agreement remain the same and update language will control XXXX XXXX ) redirect payments to another account. 
This is the XXXX time Wells Fargo has falsified my name on bank account documents, fraudulent assignments and its still ongoing. I reach out to CFPB and its the same XXXX letters from Wells Fargo saying nothing. Will you enforce the PATRIOT ACT? 
In closing, I am a victim of many unlawful violations of Consumer Protection, XXXX XXXX XXXX XXXX, Federal Laws and Privacy Laws and a senior abuse. I AM REQUESTING YOU TO PLEASE TAKE ACTION AND STOP WELLS FARGO UNLAWFUL PROFIT!
Product: Credit card

I have the Discover " it '' credit card, this company seems like its a scam. I had the card for about over three years now. My over all balance is about {$7500.00}. I pay my bill every my bill every month some times late but nevertheless I pay the bill. I have been harassed and aggressively hounded by discover sometimes every day until I make a payment even when I already made a payment for that month. None of my other billers, utilities, or credit cards do what discover card is doing. My balance is not going down. at all it is still {$7500.00} over XXXX years of paying my bill, on time in the past.
Product: Credit reporting

reporting account status that is old. 

coastat federal credit union XXXX is still reporting 30 and 60 days late from 6 years ago and account # XXXX is reporting 30/60 days late almost 6 years ago. From what i am told this should be showing the previous 36-48 months max not a late payment i made 6 years ago. XXXX XXXX XXXX reporting lates from 5 and 6 years ago also the following fraudulent inquiries made by my ex wife are still showing XXXX XXXX XXXX XXXX card fingerhut XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all these inquiries were initiated without my permission. All the accounts look ok that i see thus far, i just want the above corrected and removed.
Product: Debt collection

I spoke with a representative of the company back in XX/XX/XXXX via phone. I instructed the employee to submit a letter with the debt they are claiming I owe. The employee of IQ international stated that she would send out the letter, however she never did. In XX/XX/XXXX, I received noticed that this debt was added to my credit file and I immediately called the company only to be hung up on by one of their Managers. I have sent a certified letter to the company giving them 30 days to respond as the law requires. As of today, XX/XX/XXXX no response as be received from this company and it has been well over 30 days.
Product: Credit reporting or other personal consumer reports

I went into AutoNation XXXX XXXX on XXXXXXXX XXXX to purchase a XXXX XXXX XXXX I originally had a letter already from XXXX XXXXXXXX for pre-approved amount, so it was no need for them to run my credit. Then the salesman came out and asked me to sign some paperwork and unlock my credit file to finish the deal. Then I started getting alerts that my credit was being processed and I called him and I was furious, I asked for the manager and I told him I didnt tell yall to run my credit. I explained that someone should have came and had a conversation with me and he apologized and thats when the manager XXXX XXXX said he would make sure it was removed.The whole time they just wanted me to finance with them, and the rest was to make it look good. I called for weeks and no resolution, so I started calling the companies and of course they said it was nothing they could do.They ran it through eight companies thats a big hit on my credit, and then they promised me a warranty on my car and I called and emailed for a month and they never followed through. Im paying an outside company for a warranty on my car because they didnt follow through on anything and I have the email and text messages for that as well. I truly regret doing business with them.
Product: Consumer Loan

Secured a LOAN, was given a bank check issued to the escrow broker ( Payee ) but the payee would not release the asset until Full clearing of funds was verified by the bank. The bank stated it would take 2 business days to acquire a COPY AFTER the check was already cleared. However, I was being charged per day interest on a loan that I had no asset for? Is this acceptable?
Product: Mortgage

XXXX XXXX  XXXX  ( XXXX ) IS NOT CONSIDERING MY MORTGAGE AS A ( VA HOME LOAN ) ACCORDING TO ESCROW PAYMENTS STILL ADDED ON ME AND MY MORTGAGE PAYMENT. AND, I AM ALSO A TAX-EXEMPTION. PERSONAL EXEMPTION # XXXX. I AM XXXX XXXX XXXX XXXX XXXX VETERAN. I MENTION TO THEM. AS WELL I PROVIDED ALL AND EVERYTHING TO THEM DURING MY VA HOME LOAN PROCESSING IN XX/XX/XXXX. AND WE MOVE IN OUR HOME IN XX/XX/XXXX FINALLY. WE FEEL DEFRAUD BY THE ESCROW PAYMENT DEAL. BECAUSE, THEY ARE NOT CONSIDERING MY VA XXXX, AND EVEN SENIOR. XXXX YEARS OLD VETERAN CITIZEN. NO DISCOUNT AS WELL. THANK YOU FOR YOUR INTEGRITY SERVICES FOR US SENIORS AND U.S. CITIZENS OF THE AMERICA. GOD BLESS ( CFPB ) FOR YOUR HONESTY SERVICES FOR OUR COUNTRYAND THE PEOPLE. 

SEMPER -- FIDELIS .... 
XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account number : XXXX This account needs to be removed immediately from my equifax report and never be added again by any bureau according to the FCRA. It has been deemed fraudulent by XXXX XXXX XXXX  by a recent investigation into the credit card account. Please remove immediately.
Product: Credit reporting or other personal consumer reports

I requested for Transunion to XXXX XXXX Back onto my credit report. I accidentally included XXXX, XXXX XXXX, & XXXX XXXX in a previous dispute since I am a victim of XXXX XXXX  however, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX belongs to me. My XXXX  Advisor at My Program created the Dispute Letter For me however, she accidentally included those accounts however, those accounts belong to me. I forgot to look over the letter before I submitted it I already requested XXXX XXXX XXXX XXXX to reinsert those accounts onto my report. I am awaiting Transunion to approve the reinsertion since I AM CONFIRMING THAT THOSE ACCOUNTS BELONG TO ME. 

It is Transunion job to report my information accurately. 

All the other accounts are still fraudulent and I request that they stay permanently deleted.
Product: Money transfer, virtual currency, or money service

Commencing on or around XX/XX/2022, I fell victim to a multi-layered scam operation run by an efficient fraudster posing as a government official which involved me making deposits for a total amount of XXXX USD from my Bank of America account to the fraudster.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been reaching out to Equifax, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from Equifax and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX  XXXX XX/XX/2021
Product: Mortgage

HSBC, It seems that they were connected to XXXX XXXX XXXX XXXX and neither company fail to satisfy or release a lien on property at XXXX XXXX XXXX. pa XXXX. 
In failing to this my Title Search came up with a large amount of money owed and something that shouldn't of been overlook, Either this was with a refi or transfer or bought. I'm in the process of trying to sell the property and was told that I needed aLetter of Satisfactory or a Corrective Lien Release in order to move forward. I missed one settlement day schedule for the XX/XX/XXXX I have a new date for XX/XX/XXXX and if either one of these companies can assist in a Satisfactory Letter this would so be appreciated and error made correct. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX HSBC XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There has been a lot of misuse of my consumer report due to fraud. I need to update my personal information to have an accurate credit report. This is not the selling of my name " XXXX XXXX '' " XXXX XXXX XXXX '', my name is ONLY spelt XXXX XXXX or XXXX XXXX XXXX. My phone number is not " XXXX, XXXX, XXXX '' my phone number is only XXXX. My address is NOT " 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. My address is XXXX XXXX XXXX XXXX XXXX FL XXXX. My employer is NOT " XXXX XXXX, XXXX, XXXX, XXXX XXXX ''. My employer is XXXX XXXX.
Product: Mortgage

This complaint is filed by Defendant XXXX XXXX against XXXX Wells Fargo Bank , National Association, as XXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Asset Backed Certificates, Series XXXX ( " Wells Fargo '' ). The complaint highlights several legal deficiencies and procedural failures by Wells Fargo in its foreclosure action against XXXX XXXX. 

Key Issues : Failure to Meet Mandatory Condition Precedent : Wells Fargo failed to provide the required Emergency Mortgage Assistance Program ( EMAP ) notice under Connecticut General Statutes 8-265ee ( a ) before initiating foreclosure. This failure to comply with mandatory pre-foreclosure notice requirements invalidates the foreclosure action. 
Lack of XXXX : Wells Fargo has not demonstrated legal ownership of the mortgage and note for the property at his residence in XXXX, CT XXXX. According to the Supreme Court 's decision in XXXX XXXX XXXX, plaintiffs must show concrete harm to have standing. Wells Fargo has not shown any concrete, particularized injury resulting from XXXX XXXX 's actions. 
Improper Filing by Legal Firm : Documents were erroneously filed by XXXX XXXX XXXX XXXX XXXX ( " the Firm '' ), which was not in existence until XXXX, yet listed on the Court 's docket as filing documents in XXXX. This misrepresentation is impossible and misleading. Additionally, the XXXX filed pleadings on behalf of an entity not a party to the case.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : 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 XXXXXX/XX/XXXX XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Previous Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employers : XXXX  XXXX XXXX Also Known As : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX 'S XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

I have a case I already started with Chase Bank on this website. Chase has already closed the case although, nothing was resolved. Chase has been a nightmare and miscalculated my escrow over {$9400.00}. I asked to be removed off of escrow with Chase bank, which, regretfully they are denying even though they have miscalculated my escrow. Chase told me that they asked a third party investor called XXXX XXXX, and that they are denying the removal of my escrow. Which is a lie. XXXX XXXX handles my PMI not my escrow. Chase is in charge of escrow considering all checks for escrow are taken by chase not XXXX XXXX. Regardless, Chase will blame everyone else and will not take any accountability on their actions. Chase put a response up on the CFPB website stating that Im at roughly XXXX XXXX XXXX and if I bring it down to XXXX XXXX that XXXX XXXX may consider the removal of PMI on my loan. Which will lead to Chase possibly removing my escrow. Chase never explained any of this to me. However, I read the full statement on CFPB. I immediately began the process of PMI removal for some odd reason I thought I was much further than they had mentioned. Chase just sent me a letter and it again has miscalculated information then what was posted on the CFPB. Chase mentioned I needed my loan to get to roughly {$660000.00} on the CFPB. I received a letter from Chase today stating I need to bring my loan down to {$610000.00}. Yet again Chase is making errors and confusing my situation. I am still waiting for a manager who apparently was well aware of this situation but has had me waiting almost a week for answers. I am still trying to get Chase removed from my escrow. Although they have denied me several times. They have been a nightmare. I need to handle my own finances thats all I ask for. I also really need to know where my XXXX is? Just awful.
Product: Student loan

I have filed a complaint. Several years ago, I contacted federal student aid about fraudulent student loans opened in my name, with police reports documenting identity theft. Last year, I reached out to student aid again, and the loan accounts were successfully removed from my credit report. However, I have not received refunds for the multiple years of tax offsets. This situation led me to unknowingly become a victim of additional fraud, as my tax refunds, instead of being offset, were actually stolen. This was made worse by my lack of awareness about the existence of these tax refunds.