23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

This card was purchased in early XXXX ( Don't have the exact date ). I tried to use the card at XXXX XXXXXX/XX/XXXX. The company ( XXXX ) locked the card and I couldn't make my purchase. When I called in, they said they'd need to issue a new card. 

The new card arrived via XXXX. I open the sealed envelope and activated the card via phone. Soon as I tried to activate the card, I discovered the NEW card was locked -- this was just after activating it and never using it. 

I called back on XX/XX/year>, and they promised they would send me a check for the balance on the card ( {$500.00} ). They informed me this could take up to XXXX weeks. 

Today, XX/XX/XXXX, I still haven't received the check so I call. They now say I must submit the front and back copy of the card. Then after that is received, it will be XXXX weeks before a check is mailed. At no time was this information asked of me prior to this. 

So now I must wait XXXX additional weeks -- that is if this past representative is to be believed. And at this point, I no longer believe any of the promises they are giving me.
Product: Credit reporting or other personal consumer reports

I wish to contest the inaccurate items listed on my credit report. I have reached out to Equifax, XXXX, and XXXX with letters regarding my disputes, but they have not responded. : XXXX  XXXX Bankruptcy XXXX XXXX XX/XX/year> {$0.00} U.S. Bankruptcy Court {$0.00} {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX US BKPT CT XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX U.S. Bankruptcy CourtXXXX XXXX XXXX
Product: Debt collection

I am writing to file a complaint against Ability Recovery Services LLC, XXXX XXXX, XXXX and XXXX for their refusal to address my credit report disputes. Despite the conclusion of litigation related to my credit report, these credit bureaus continue to claim that they can not respond to my disputes because my complaint involves the same issues raised in pending or prior litigation. This is a clear manipulation tactic to avoid their responsibilities under the Fair Credit Reporting Act ( FCRA ) Details : XXXX. Litigation Status : The litigation related was fully resolved on XX/XX/year> I will attach relevant court documents. 
XXXX. Dispute Attempts : Since the litigation ended, I have submitted multiple disputes regarding inaccuracies on my credit report to all XXXX burueas through the CFPB. However, they have consistently responded by stating they can not address my disputes due to ongoing or prior litigation, which is factually incorrect and manipulation. 
Under FCRA ( 15 U.S.C. 1681i ) They are required to investigate any disputed information within XXXX  days, regardless of litigation status and their refusal to do so may be in violation of Federal Law XXXX. CFPB Complaints : XXXX XXXX. Debt Collector Re-reporting after Settlement Agreement : Lastly ABILITY RECOVERY SERVICES , LLC is in violation of the settlement we had in the previous litigation and reporting the same information from the identity theft they are reporting this on behalf of XXXX XXXX they do NOT have permissble purpose to do so again this was an identity theft litigation that has since been settled I will provided attachments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was XXXX  in the XXXX XXXX XXXX XXXX from XX/XX/XXXX until XX/XX/XXXX. My information was used to establish these accounts by way of FRAUD! I have filed disputes with all 3 Credit Bureaus and contacted the creditors listed below. XXXX ) XXXX XXXX XXXX XXXX : Account # XXXX Opened on XX/XX/XXXX With a balance of {$27000.00} XXXX ) XXXX XXXX : Account # XXXX Opened on XX/XX/XXXX With a balance of {$2100.00} XXXX ) XXXX XXXX XXXX Account # XXXX Opened on XX/XX/XXXX With a balance of {$1600.00} XXXX ) XXXX XXXX XXXX XXXX : Account # XXXX Opened on XX/XX/XXXX With a balance of {$2500.00} XXXX ) XXXX  XXXX XXXX  : Account # XXXX Opened on XX/XX/XXXX With a past due balance of {$820.00} XXXX ) XXXX XXXX XXXX XXXX : Account # XXXX Opened on XX/XX/XXXX With a balance of {$18000.00} XXXX ) XXXX XXXX : Account # XXXX Opened on XX/XX/XXXX With a balance of {$37.00} and a past due balance of {$32.00} XXXX ) XXXX XXXX XXXX : Account # XXXX Opened on XX/XX/XXXX With a balance of {$280.00} XXXX ) XXXX XXXX & XXXX  XXXX Account XXXX XXXX Opened on XX/XX/XXXX With a balance of {$3500.00}
Product: Credit card or prepaid card

XXXX XXXX XXXXXXXX account ending with XXXX Current Balance : {$5900.00} Available Credit : {$0.00} Minimum Payment Due : {$0.00} Due Date : XXXX Closing Date XX/XX/2022 I attempted to pay {$3400.00} towards my XXXX so that my account would close at {$2500.00} still owing and was NOT ABLE TO MAKE THIS PAYMENT. before Credit Card closes on XX/XX/2022. I am getting the attached message. I contacted PENFED customer service and they are not able to make the payment manually.
Product: Credit reporting or other personal consumer reports

These inquiries are fraudulent. I attempted to contact the companies and no response. I never authorized these. These are negatively impacting me and need to be removed asap before I take legal action. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

I am not liable for this debt with RECEIVABLE RECOVERY LA and I do not have a contract with XXXX XXXX  XXXX plus they did not provide me with the original application like I asked. 
Account XXXX Amount Disputed : {$3000.00}
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.this lack of accountability and transparency is unacceptable and raises serious concerns about customer safety.
Product: Checking or savings account

A Wells Fargo rep by the name of XXXX claims to have made numerous attempts at resolution to accounts not authorized and did not need or want, fees charged to these accounts. There have been no such attempts, he mentions such attempts in prior replies to CFPB complaints. His responses seem to be a general form letter, he has not detailed any of of the attempts at resolution. I can assure the CFPB Wells Fargo has not made any attempts, he is lying. I've filled out a total of four mediation request forms to date, a settlement offer was made by Wells Fargo rep, XXXX XXXX, it was accepted but no payment received. Failing to honor their offer, I requested a refund of {$610.00} which was detailed in my mediation requests, it was later denied citing a check supposedly sent to me prior which was never received. Needless to say, nothing resolved and again, any supposed attempts at resolution are entirely bogus, a lie. Wells Fargo is well aware of resolution which is a refund of {$610.00} for fees charged to accounts opened which I mentioned above. They have denied this request, additional complaints will be filed in regard to this matter. A refund of {$610.00} will resolve this..
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it May Concern, In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my consumer report and under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) XXXX is in violation of not reporting 100 % accurate and not reporting at all. 

On XX/XX/2022 I sent in a dispute letter to XXXX asking them to verify a bankruptcy they are reporting on my credit report, I never recieved a response. 

I also disputed the same bankruptcy with TransUnion and XXXX. 
XXXX deleted the bankruptcy, meaning they couldnt verify it. 
I'm still battling with TransUnion on this matter. 

On XX/XX/2022 I sent in another dispute letter to XXXX making them aware that if they don't respond or comply with my dispute letter I would file complaint with the CFPB, the XXXX, and the Attorney General 's office and sue for damages.

I still haven't recieved a response. Instead they deleted my whole credit report and score. They haven't been reporting for the past 4-5 months. ( see attachment ) I have been reaching out to them to try to fix this matter ( dispute letter attached ), but unfortunately they won't respond.

I need your help with this matter.
Product: Checking or savings account

Weeks Fargo closed my account back in XXXX, & XXXX due to me being out of town using my card at an atm they didnt recognize in Florida . I explained to them thatsI was out of town with my kids and I was trying to withdraw funds from the atm and it locked my card and closed my account in the process of such transaction. I never received money from my account being closed for neither year.
Product: Mortgage

An equity loan was taken in XXXX and a second loan in XXXX with Washington Mutual bank before they were taken over by Chase. We have been making payments without problems. I have sold the house and trying to close but I am being told that Washington mutual filed the loan assignment incorrectly and the have to research it. It has now been XXXX weeks and I have been promised callbacks and a resolution but neither has been forthcoming. It has caused approx XXXX dollars in additional payments for mortage and Heloc loans. The case has been sent to XXXX research and escalation departments.I have spoken to numerous agents at Chase including but limited to XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. The problem is that Chase or Washington Mutual failed to record assignment letter for XXXX. loan and are showing XXXX loan amounts with the same account number.
Product: Mortgage

I have removed personal information from the email I sent below. I believe the email describes the issue accurately. Bayview Loan Servicing has not taken any action to correct the error. They are a predatory loan servicing company attempting to strong-arm me into paying a debt I am not responsible for. It is impossible to reach anyone at this company and they do not respond to inquiries and requests other than to gather information to hasten and expedite foreclosure ... notwithstanding what they have done to destroy my credit. 

" Per my discussion with XXXX, Loss Mitigation, on XX/XX/2017 regarding the subject loan, I have been asked to notify your Customer Service Department to take immediate corrective action. You have reported delinquent payments and assumed a debt to me that is incorrect. I am not a borrower on this account and my credit must be restored to its excellent rating. 

The subject mortgage is that of my parents ; I am not a borrower on this account. It has been confirmed on previous occasions that I am not a borrower on this account : as such, Bayview refused to provide information on my parents ' behalf because I WAS NOT ON THE ACCOUNT. After the death of my mother, I was able to request a pay off statement only upon providing documentation as having Durable Power of Attorney on behalf of my father to offer the property for sale. However, Power of Attorney DOES NOT assume my parent 's debt to me. XXXX also confirmed during this most recent phone call, that I am not listed as a borrower on this account ; and, he was unable to explain why I have been named on the mortgage statements, nor why Bayview has provided adverse credit information seemingly destroying my credit rating overnight. 

Perhaps it is a simple mistake on your part as my name appears on the deed for the property. However, please be advised that I am not included on the Note or Promise to Pay ( this was confirmed to me by the attorney of closing ) and I am not responsible for the debt. The adverse actions you have reported to the credit bureau have increased my debt to income ratio to an unacceptable FICO standard and the delinquencies you are reporting have devastated my credit rating. You have detrimentally affected my financial well-being, as I had an excellent credit rating - and was considering the possibility of purchasing my parents ' property myself. Now I have limited borrowing ability and my creditors are questioning my ability to pay. Hence, Bayview Loan Servicing must remove all incorrect, improper, delinquent and adverse actions reported to my credit immediately. I have no personal obligation to repay this debt, but will pay the account in full upon sale of the property ( which is the preferred account resolution ). 

Again, please respond with the immediate removal of any information Bayview has provided to my credit. It is my hope that you will correct any negative actions against me as quickly as my excellent credit was destroyed. Of course, if you require any further information, do not hesitate to contact me. My contact information is provided below. 

Thank you for your prompt attention to this matter. "
Product: Credit reporting or other personal consumer reports

I am writing to report a dispute I have with TransUnion concerning inaccurate information on my credit report. On XX/XX/XXXX, I initially contacted TransUnion to address this issue, but as of the current date, I have not received any response from them. I am seeking your assistance in resolving this matter. The following are the details of the inaccurate information and the necessary corrections : Inaccurate Account Information : Account Name : XXXX  XXXX XXXX Date Opened : XXXX XXXX, XXXX Current Balance : {$25000.00} I would like to emphasize that this account is not mine, and I request its immediate removal from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report regarding XXXXXXXX XXXX XXXX XXXX XXXX  and noticed some errors with this account. You all are reporting to the bureaus late payments for the XX/XX/XXXX  which is inaccurate. I have my payment stub for this month and the account was paid on time as agreed per contract at the opening of this account. 
Please update this information and provide to all three creditors as well myself via mail to the address above. If you decide to validate my claim as false, please provide physical evidence proving otherwise. 
Let me remind you per FCRA 623 you are required to correct inaccurate data provided to the bureaus on my report and provide any relevant information proving otherwise. Please recheck this information and report the updates as necessary. 
Please send correspondence via mail regarding the changes.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of nay information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM*******
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX Account Name XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXX # XXXX Account Name : XXXXXXXX XXXX XXXX XXXX Account Name XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Back in XXXX the medical bills was open according to my health insurance company I also got cut off XXXX on myXXXX birthday like XXXX  years ago due to not reapplying that I wasnt aware of cause my mom was incharge of my information if I knew are was alerted I would have got on top of it so that I wouldnt have to go through this situation so I called the people who billing/reporting it to my credit which is WAKEFIELD & ASSOCIATES . I ask is they can waive the fee for me due to my situation in they choose not to work with me. So I decided to file a complaint with CFPB And I also filed a dispute on my credit report.
Product: Debt collection

I am not liable for this debt with PORTFOLIO RECOVERY ASSOCIATES, XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX I disputed this account with XXXX 2 Times And they keep saying is accurate, I wrote them requesting a method of verification for this account, they said XXXX XXXX XXXX keep saying is accurate and they won't provide them with any verification.
Product: Credit reporting or other personal consumer reports

Transunion does not provide a clear path to setting up a free account with them for the purposes of monitoring your credit/ freezing your credit. Any link you click at transunion.com to create a new account automatically selects their paid subscription version with no way to select a free version. 

The only way around this was to use XXXX to search the internet for " transunion credit freeze ''. The results show that you have to go to service/transunion.com in order to setup a free account. 

This is predatory. At a minimum, they should be forced to fixed this, if not punished with fines large enough to ensure they lose the money they made from this business decision such that they don't try it again.
Product: Money transfer, virtual currency, or money service

Been using PayPal for some time now and my account got limited permanently for no reason and my funds are now on hold for 180 days according to PayPal I tried to contact them but all I am getting is an automatic response I deal only with trusted sellers and I already updated my account with all legal documents And they are not even telling me the reason why I got suspended.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted this complaint to update this suspicious information. Credit Bureau must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX Balance : {$30000.00} ; XXXX  XXXX Balance : {$16000.00} ; XXXX  XXXX Balance : {$17000.00} ; XXXX  XXXX Balance : {$11000.00} ; XXXX  XXXX Balance : {$2800.00} ; XXXX XXXX Balance : {$17000.00} ; XXXX  XXXX Balance : {$12000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX, I was trying to buy a car. They ran a credit report with Experian and was told I had a freeze on my report. I NEVER authorized a freeze. I didnt even know what that was. Now I can't unfreeze it without a pin number. I dont have a pin number because I never requested a freeze. This may have hurt my chances of getting a car. I am beyond angry. I called every number for Experian and can not speak to a real person. Its the same automated answer. It won't help me at all. I also answered security questions to prove it was me. They asked me if I applied for a home loan in XXXX. I have never applied for a home equity loan ever!
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 on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX, XXXX, XXXX ; XXXX, XXXX, C ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XX/XX/2022 ; XXXX  XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card

My XXXX account was hacked. The hacker purchased {$1500.00} on XX/XX/XXXX and XX/XX/year>. The products were sent to my house but I did not place this order nor was I aware of this order. When I called XXXX on XX/XX/year>, the account number, email, password, and name had already been changed. XXXX would not provide me with return information because they could not find my account. When I contacted XXXX the following day, they opened a case but closed my case 4 months later stating XXXX told them it was a valid purchase. I have filed a police report with the XXXX XXXX XXXX, a complaint with the Better Business Bureau, and the Attorney General, Federal Trade Commission. XXXX still will not forgive this debt. They are illegally holding me responsible for a purchase I did not make or approve. XXXX claims they need support documents from XXXX confirming the account was hacked. Since XXXX can not find my account or this order, they will not provide such documents.
Product: Debt collection

The debt was paid directly to XXXX XXXX. The debt listed is no longer owed.
Product: Checking or savings account

On XX/XX/2021 XXXX took money out of my bank account without permission. They had no business doing so. The amount is {$64.00}. I do not accept this.
Product: Credit card or prepaid card

On XX/XX/2022 the IRS informed me that my federal income tax payment was being released to cashapp/ XXXX XXXX  for the amount of XXXX. They gave me the Trace number for this payment I informed cashapp/ XXXX XXXX  about this deposit that was being sent and they told me I couldn't access these funds for security reasons. I have been trying to access this money now for over a month, but I keep getting the run around like they are trying to steal this money from me. I provided all the information they asked me for and more and they still wouldn't let me get my federal income tax payment that was deposited in My Name in a account I started to receive this payment from the IRS