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

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX XXXX XXXX XXXX XXXX. In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

SEVERAL CREDIT CARD ACCOUNTS THAT WERE PAID IN FULL THROUGH THE ACTUAL CREDIT CARD COMPANY THAT WAS PAID IN FULL, BUT REPORTING NEGATIVE OR BAD ON ALL THREE CREDIT BUREAUS XXXX, XXXX AND TRANSUNION.
Product: Debt collection

This is about Equifax Credit Bureau and XXXX XXXX XXXX. I have written the California State Attorney General regarding Equifax reporting in XX/XX/XXXX that XXXX XXXX XXXX has stated the Auto Loan made in XX/XX/XXXX was re-financed from the original payment of {$400.00} to {$300.00} per month as of XX/XX/XXXX. The California State Attorney General has open an investigation involving XXXX XXXX XXXX reporting Fraudulent Credit information I have asked the California State Attorney General to report any findings to the Georgia State Attorney General about what Equifax Credit Bureau has said their information has come from XXXX XXXX XXXX. 
XXXX XXXX XXXX did sent me a Complete Payment History Report and the original amount of {$400.00} has been the payment throughout the entire Loan since XX/XX/XXXX on the report. Nowhere on the report shows the monthly payment was ever changed from {$400.00} to {$300.00} per month.. Where did Equifax get their information from? XXXX has also stated their agency has never asked Equifax, XXXX, nor XXXX to collect any monies regarding the account. XXXX also stated to the California Attorney General that XXXX XXXX has been put in place on the Auto Loan Account by their office,, besides the XXXX ( XXXX ) years Stature of Limitation on the account has expired. Equifax stated on the last Credit Report I received from them that XXXX has re-financed the loan and the Monthly payments were lowered. XXXX XXXX XXXX said that information is incorrect and it seems as though XXXX XXXX XXXX is correct because the Payment History report of the Auto Loan amount had not changed. XXXX XXXX and I should have gotten a copy of the Re-finance Loan and we should have agreed or disagreed with the Terms and the Conditions, Maybe XXXX XXXX would have still been the owner of the car. The payments would have been affordable The California XXXX Attorney General XXXX XXXX XXXX XXXX Unit will be answering me regarding the decision about Equifax XXXX XXXX XXXX soon as XXXX XXXX to his office. When I noticed Equifax had placed XXXX XXXX XXXX on my Credit file on XX/XX/XXXX, I Certified a letter to the California Attorney General for XXXX It seems as though XXXX XXXX XXXX XXXX XXXX XXXX XXXX reported the same Fraudulent information regarding a Re-Financing of a XXXX Auto Loan without any paperwork to show a re-finance was done .If Equifax wants to contact the California State Attorney General, they may do so @ XXXX XXXX California Attorney General XXXX XXXX XXXX XXXX XXXX XXXX, XXXX...
Product: Mortgage

I bought a home in XX/XX/XXXX. I filed bankruptcy & it was discharged XXXX of XXXX. I reaffirmed my first mortgage. I was completely unaware I had to reaffirm my 2nd mortgage as well. Fast forward to XXXX I refinanced with Obama 's " making homes affordable program '' 2nd mortgage never came up. Fast forward fall of XXXX I go to refinance my house & find I owe {$140000.00} on that second mortgage with SLS ( Specialized Loan Services ). The original company of my 2nd mortgage was XXXX then XXXX XXXX both went bankrupt in the crash so I know SLS bought my loan for pennies on the dollar. Since it was wrapped up in bankruptcy it was I was never notified, I am a XXXX XXXX XXXX it did not come up on preliminary title searches etc .... I had ZERO clue for 10yrs that loan was in place & accruing penalties/interest ( penalties/interest to the tune of {$75000.00} give or take ). 

I was DISTRAUGHT! I called SLS, submitted paperwork to settle the penalty amount, submitted paperwork to set up a payment plan to pay the full amount etc .... No one at SLS would work with me. Their stance was I owed the full {$140000.00} & I could make " voluntary payments '' but they reserved the right to foreclose. I immediately stared making my normal {$630.00} mortgage payment XX/XX/XXXX & my only option was to sell. I was FORCED to sell my home of 12yrs &  pay SLS the full amount, I listed my home immediately to avoid potential foreclosure by SLS. I had no other option to protect me, my family & my elderly parents who lived with me. We closed on our beloved home in XX/XX/XXXX only b/c SLS would not work with us & the risk was to great. 

I also remember a call from someone ( SLS/ maybe XXXX ) to pay this loan off for {$4000.00} in XXXX but I thought it was a scam b/c of the bankruptcy/crash of the market. So SLS bought this debt for nothing! 

How can SLS force me to sell, make me pay $ XXXX in interest & penalties that accrued over 10yrs without me even knowing any of this was going on. No contact, no letters, no calls etc ... ..
Product: Credit card

I have a outstanding amount showing on my credit report in the amount of {$1200.00} and not receiving a bill. Please investigate. 

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

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX ; XXXX XXXX XXXX, TN XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXX XXXX  XXXX XXXX, TN XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX, AL XXXX ; XXXX XXXX XXXX, TN XXXX ; FST XXXX Balance Owed : {$580.00} ; XXXX XXXX XXXX Balance Owed : {$64.00} ; XXXX 'S XXXX XXXX XXXX Owed : {$1100.00} ; XXXX Balance Owed : {$0.00} ; XXXX  XXXX BalanceOwed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX BalanceOwed : {$0.00} ; XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$1000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$1300.00} ; XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX ; XXXXB XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Payday loan

I was loaned {$800.00} from CastlePayday Installment Loans with the agreed terms I would pay a one time finance fee of {$280.00} upon receiving the loan. They did not disclose to me a {$280.00} finance fee every time I would make a payment. Now twice a month, I am expected to repay {$280.00} plus a principle charge of {$25.00} or more a month to repay this loan.
Product: Credit card

synchrony bank randomly pulled my credit report without my permission. Then, as of XXXXXXXX XXXX XXXX, they closed the account. The accou t was in good standing and never missed a payment. Unfortunately, while they are pulling my credit without my permission, they are affecting my credit score. I talked to 2 different individuals today and they stated they are allowed to pull my credit report at their discretion without my permission. I do have a number of other credit cards, however, it has never affected my abilities to pay the account. Now the accou t has a balance. I can't pay it online and the only way to pay the balance is to call them. When doing so, the rep told me they would charge me a fee everytime. According to federal law, they can not pull my credit without my permission and they can't close the account without my permission unless the account t is delinquent. Which, it is not.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refuses to remove XXXX XXXX  inquiries
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
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 XXXX XXXX XXXX XXXXXX/XX/year>
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Dispute 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 is impossible and that tracking these transactions was infeasible. The CFPBs finding indicate that Zelle has not only neglected to protect consumers but has 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 consumer safety.
Product: Debt collection

wells fargo dillards never provided any proof of validity of debt with my signed signatures on any transactions or application or that any items were received by XXXX and signed for at my home all they provide is copies of a statement but no signed items and the account as a result of fraud issued by dillards without my Consent and this has causes me emotional distress that dillards wrongfully refuses to remove this fraud account from my credit reports and has not honored there XXXX fraud liability policy and have gotten nothing but rude customer service.
Product: Mortgage

Here I am again, my last complaint and the company response as usual. It's looking like they are throwing the ball one to another. Attached please letter sent to the Judged who handled the Bankruptcy Court in the State of Delaware since XX/XX/XXXX representing my assignor XXXX XXXX XXXX to see if they have any authority to assign the same at the time they executed such assignment of mortgage in XX/XX/XXXX. Also sent to every trustee involved in this case. Lying to the Federal Government is truly a criminal activity. 
Will open the case in Delaware been in touch with every trustee that is looking into this fraudulent matter and entering with enough evidence a Federal Law suit. Still have hope that as the institution assigned to protect consumer this matter will go more than a response from the company has been received. 
Thanking you in advance for your cooperation in this matter.
Product: Checking or savings account

{$430.00} of payments missing and {$1100.00} of deposits listed as payments in transactions downloaded to accounting software? Told it would be resolved on XX/XX/XXXX. Called on XX/XX/XXXX and told it would be resolved on XX/XX/XXXX. Emailed on XX/XX/XXXX and told it would be resolved on XX/XX/XXXX. 

They are charging monthly fee but this problem has persisted for 2+ weeks
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 I received a total of {$13000.00} from a family member. This money was for my school tuition. 

On XX/XX/2020 the money was transferred to a bank account through PayPal in which I do not own. 

I immediately called PayPal, filed a dispute, and was denied. Showed proof that it wasnt my bank account and someone else transferred it, not me. 

PayPal is of no help and refuses to refund my money because of their lack of security and investigation. 

PayPal is a SCAM company who doesnt care about their consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I originally started disputing negative information on my credit report in XXXX of XXXX. I was receiving responses and notifications for a while. The disputes I sent out on XX/XX/XXXX I have YET to receive a response on! 6 months has passed, I have also submitted another dispute during that time on XX/XX/XXXX, so XXXX rounds in 6 months with nothing from any of the bureaus. I just sent out a XXXX round on XX/XX/XXXX and am trying to patiently wait for responses, but why would the bureaus just stop responding to me out of nowhere? This is not good ethics or customer service at all!
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting inaccurate and false information on my consumer report, I have notified them over four times on how they have violated my Consumer rights Under the FAIR CREDIT REPORTING ACT. See 15 USC 1681 ( b ) Reasonable Procedures, Experian is reporting inaccurate and knowngly false information on my consumer report, by way of a reported late payment on an accepted account held at XXXX XXXX. They are also in violation of federal law 15 USC 1681 a ( 4 ) and have failed to insure their grave responsibility for furnishing information that violates my privacy and is neither impartial. 

XXXX XXXX inaccurately reported a late payment back in XXXX of XXXX on my consumer report which I contacted them to remove and update to the correct status and they agreed it was incorrect and should say paid on time, but it has been over XXXX days since I have been reaching out to Experian to fix this issue but they are ignoring me and failing to assist me in resolving this issue, which is hurting my ability to obtain goods and service under credit which is my right. 

I have already filed multiple complaints to consumer financial protection bureau the last in XX/XX/XXXX XXXX XXXX XXXX XXXX which claims they were responding yet never did and its been over 45 days which they need only 30 days to respond yet didnt.
Product: Checking or savings account

A transaction in the amount of {$58.00} to XXXX XXXX goes thru every XX/XX/XXXX or XX/XX/XXXX month. First time I noticed back in XX/XX/XXXX or XX/XX/2018. I called my bank and let them knew the transactions were not authorized by me. Not only I wanted to dispute the transactions but I also wishes to stop these going forward. I never heard back from my bank afterward and I assumed it was taken care of. 
Recently I saw the transaction again, I called telephone banking, after being transferred to 4 different customer service rep, I was told that the transactions were not stopped because the previous case was denied due to out of 30 days time limit that I had to report any unauthorized transactions and the bank is unable to make stop payment just using the name and the amount. They need more information. Unless I change my account number, these transactions will continue to go thru and they are unable to do anything about it. Rep name XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am delighted for your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have still Items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 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 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: Money transfer, virtual currency, or money service

A broker in the ( XXXX ) named XXXX way released {$40.00} USD and also {$400.00} USD to Blockchain.com. When I go to Blockchain.coms website or app, you can see transactions you could even see the money grow. It shows a zero balance when I inquire about the money with Blockchain.com I was given the runaround over 19 emails send back-and-forth with no resolution. My first email was sent on XX/XX/year> and the last email sent or received was XX/XX/year>. Thank you for your time.
Product: Checking or savings account

Deposited two separate tuition checks. Bank placed a hold for 5 business days. Check is local and they made no funds available. Ive been banking with them for over 10 years.
Product: Credit reporting or other personal consumer reports

I received my credit report recently and noticed there is still a fraudulent account appearing. 

Reinvestigate and delete the accounts listed below : Account Name : XXXX XXXX. 
Account Number : XXXX. 

I request that you reinvestigate the completeness of every piece of information and if it's not accurate, please remove it from my credit report. 

Based on consumer law 15 U.S. Code 1681i - Procedure in case of disputed accuracy, if within 30 days you can not verify the accuracy of the information, please remove the account from my credit report. 

Thank you for your time and consideration in this matter. I look forward to hearing back something positive.
Product: Debt or credit management

Midland Credit Management has had my acct since XXXX. They had access to my checking account and were withdrawing money for their acct. 
XXXX to me to court in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX lawyer dropped everything It is now XX/XX/XXXX and XXXX is still calling 2 times a day 3 times a week There harassment has been going on since XXXX. XXXX years. They are traumatizing me. 
Please help get to the bottom. 
XXXX XXXX XXXX. XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Consumer XXXX : XX/XX/1998 Contents of Complaint : This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Information consists of : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX Accounts from XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX ( REMOVE IMMEDIATELY ). These items have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer FICO Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries in question as a well as a copy of My Consumer Credit Report. I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and Fraud. I request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The XXXX Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving said complaint. I request that all written confirmation ( s ) regarding this CFPB Complaint be sent via email to the email address : XXXX Attached below are supporting documents -A Letter formally detailing the information of my dispute and stating consumer laws -A Fraud Affidavit -Copy of US Issued ID ( Proof of Identity ) -Copy of SSN -FTC ( Federal Trade Commission ) Identity Theft Report
Product: Debt collection

This is NOT a request for verification or proof of my mailing address or any other personal identifiers, but a request for VALIDATION made pursuant to the above named Titles and Sections. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

At this time I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, and Trans Union ) ; this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act and Defamation of Character. 

It would be constructive for you to note that the FCRA ( Fair Credit Reporting Act ) section 609 ( c ) ( 2 ) ( E ) states : " a consumer reporting agency is not required to remove accurate derogatory information from a consumer 's file, unless the information is outdated under section 605 or can not be verified.

The can not be verified is the key phrase, as you can see. Since I challenged you and your staff to verify, and you can not, that means all financial institutions and credit reporting agencies concerned with my account are required to remove any derogatory information. It can not be deemed accurate if it can not be verified. If it can not be verified, then it is required to be removed, according to the FCRA.
Product: Credit card or prepaid card

I have a Chase Visa card. Late XX/XX/2019, I purchased an airline ticket using Chase travel to take advantage of my points. I purchased a refundable ticket from XXXX to XXXX for my daughter. I went to change the departure date, not the departure location. But Chase screwed up and changed the departure location to XXXX, CA, not XXXX, but the agent informed me over the telephone that the departure location was XXXX. When I discovered Chase  's error, I called back to have them change the departure location back to XXXX. Chase Travel then wanted to charge me for the additional change to the correct their mistake. I told them that they should cover it. They said that they would pull the recording of my first call and if it confirms what happens, they would refund all charges. Based on that representation, I paid {$240.00}. They gave me a case number S # XXXX to use to call back in a week. I called back after about a week. After spending an hour on the phone, I reached the supposed supervisor, XXXX who would not provide a last name or number. She said she won't pull the recording even though Chase promised me they would to induce me to pay the charge in the first place. Without being able to confirm what was recorded, Chase Travel said they cant reimburse. They had fraudulently induced me to pay the {$240.00} with a promise of pulling and  listening to the recording with not intent of doing so or considering refunding my charges. This is blatant consumer fraud.