23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2017 After the hack of Equifax, over a 100 million Americans social security numbers were hacked because this company has no proper authority to keep our social sec. numbers in their databases. This is wrong and one of the problems with companies like this not having good security protocols.
Product: Debt collection

I have continually been contacted by multiple Debt collectors for a termination fee charged me by XXXX that I do not owe. I never signed a contract with them, and therefore this is invalid. The issue is that they keep sending it to different debt collectors. I have tried contacting XXXX to drop this collection attempt but they refuse to do so. They have a known issue with deceptive practices as noted on the XXXX website including not disclosing contracts, price switching ( which they did to me ), etc. I need to know what can be done to get them drop this charge that is not valid. I do not want to have to continue to send certified letters to debt collectors until the end of time while they continue to pursue this frivolous charge.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 at approx XXXX XXXX I recieved an Email from what appeared to be XXXX XXXX. My wife and I had been trying a 30 day trial and had decided to try a one year subscription to XXXX. The Email stated the 30 day trial was about to expire. On this XXXX web site screen was a phone number to call XXXX to purchase and activate a one year subscription. After calling the number what appeared to be an XXXX employee stated he would help to activate the new subscription. I used my M & T bank credit card to attempt to purchase the subscription. The fraudster then asked me if I had sent money to anyone in California, Louisiana, and Texas. I stated I had not and immediately opened my electronic M & T Bank accounts to examine what he was talking about. As soon as I opened the XXXX account I observed a name XXXX XXXX typed in the send money spot of the XXXX screen. As soon as I read this my account was activated to send {$990.00}, and {$1400.00} to this false name. Whoever this was had control of my XXXX. I did not type anyones name or authorize anyone to send this money to XXXX XXXX.
Product: Debt collection

The medical debt was covered under state insurance at the time. But they havent accepted the XXXX XXXX XXXX health insurance.
Product: Money transfer, virtual currency, or money service

PayPal has denied my dispute XXXX XXXX 100 % do not agree with the decision. I have never banked with XXXX XXXX XXXX before and I have evidence of my account being hacked. I have worked with PayPal to finally get these funds released and was locked out of my account until now only to discover the funds being withdrew to someone else account. 
I have uploaded evidence of my account being compromised. I have also reached out to authorities and am currently waiting on the Police Report. I am asking PayPal to fully review this dispute in detail and to partner with XXXX Bank immediately to recover these funds and pursue and action against the person who obtained my information to make this transfer.
Product: Mortgage

Ocwen Loan Servicing LLC, has committed violations under Dodd Frank and re-filed a mortgage that was not certified and and also has created an assignment on my home. As per the Trust, loan is a defective Mortgage
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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

XXXX XXXX  is not reflecting paid off balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to XXXX my credit information has been possibly leaked due the recent data spill. I never consented the right for credit agencies to store my personal information in any form, thus the leak of my information is entirely upon them. To potentially stop identity theft I tried to freeze my credit inquires but it seems that the websites wo n't allow me. Upon calling their centers I was informed that I would have to pay for the freeze which should NOT be the case. This is due to their negligence and they wnat money form me to resolve. This is completely unacceptable.
Product: Checking or savings account

I went into Wells Fargo XXXX XXXX to make a deposit on XXXX XXXX XXXX XXXX XXXX. I deposit two checks totaling {$120.00}. The teller accepted my two checks and asked me to confirm deposit on pin pad outside his window. I noticed the amount was correct and was getting ready to confirm and told him I wanted email receipt and he said wait a minute. He then touched his computer screen and said its ok now. I then touched the pad to confirm. After I got home I checked my email because it was unusual for them to say wait a minute and touch their screen. As a result I noticed my deposit reflected {$100.00} and said less {$20.00} cash. I immediately contact the XXXX number and filed a complaint. I asked them to review the footage and they will see the transaction on camera and noticed there was no cash back given to me. The bank sent me a letter that they had completed their review and did not give me back my {$20.00}. I contacted the XXXX office in XXXX XXXX and asked them to review the footage to confirm. I also contacted the branch XXXX XXXX XXXX and he was unprofessional and said no multi XXXX XXXX XXXX would review footage for {$20.00}. He was not concerned if his employee was stealing money from customers. i am a XXXX XXXX XXXX XXXX and I need my money. look at the camera is all that is needed to confirm this request. the bank only verify a tellers draw at the end of the day and see no overage and say there was no problem. If the teller put the money in his pocket obviously thee will be no overage in his draw. look at the camera the transaction was made at XXXX XXXX on the XXXX of XXXX at the Wells Fargo XXXX on XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I initiated a credit freeze request through TransUnion. However, after filing a complaint against XXXX XXXX XXXX ( Complaint ID XXXX ) in XX/XX/XXXX, I have been unable to obtain my credit freeze status through TransUnion. Additionally, I have received adverse credit decisions through creditors indicating their decision was based in whole or in part on information obtained in a report from the consumer reporting agency ( ies ) listed below. TransUnion was indicated. The most recent adverse notification was from XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX c/o XXXXXXXX XXXX, XXXX. In attempting to obtain my credit freeze status through TransUnion I am receiving the following error message : Sorry, we're having trouble showing the status of your credit freeze right now. You can contact us during support hours via the live chat icon at the bottom of the screen, or by giving us a call at XXXX. Our support hours are XXXX XXXX XXXX  XXXX XXXX  - XXXX XXXX. and XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX. XXXX XXXX. I have encountered consistent issues over several years with TransUnion in regard to their obligations to consumers under the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

XXXX - Account number:XXXX This account does not belong to me. Please provide the description of the procedure of the investigation used to verify this account if you cant please update this account immediately. 

I am writing to request a detailed description of the investigation process that was followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681I ( 7 ) : Under Section 15 1681I ( 7 ), credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumers dispute. 

I received a letter from you stating that the account was verified but I would like to know what you verified because both XXXX and XXXX both agreed that this isn't my account and should be removed. Please provide me with the proof of verification method or please remove immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 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 alleged identity theft, not later than 4 business days after the date of receipt XXXX  XXXX XXXX XXXX ...., XXXX  XXXX XXXX XXXX ...., XXXX XXXX  XXXX ....
Product: Debt collection

A dispute was placed on a credit report regarding a medical bill that my spouse owes. I contacted the company and they informed me that this was a medical bill that my spouse owes and it is now my responsibility. I informed the lady on the phone that my husband XXXX away and she stated the bill is now my responsibility. I live in Mississippi an and it is not a community property state. I did not sign or agree to this debt and hold no obligation to repay it.
Product: Credit reporting or other personal consumer reports

I am writing to express my significant frustration and disappointment regarding the numerous attempts I have made to correct inaccuracies on my credit report with XXXX and Transunion Credit Bureaus. Despite my continuous efforts to rectify the late open account on my credit report, these inaccuracies persist and are causing harm to my financial well-being. 

Over the past several months, I have made multiple attempts to dispute and correct the late open account on my credit report. These late open account is affecting my credit score and my ability to secure favorable financial terms. Despite submitting the necessary documentation, I have received several responses from your bureau indicating that these late open account have been verified as accurate. 

I would like to stress that these late open account is indeed inaccurate. I have attached the relevant documentation supporting my claim. It is essential that these discrepancies are resolved promptly to prevent further damage to my financial reputation. 

Enclosed, please find the following documents : A copy of my credit report with the inaccuracies highlighted. 
Proof of payments and records demonstrating that these late open accounts are inaccurate. 
Any correspondence I have received from your bureau, including my previous disputes. 
I kindly request that you initiate a thorough investigation into this matter and rectify these inaccuracies on my credit report as soon as possible. This will help restore my creditworthiness and ensure that I am not unfairly burdened with the consequences of these inaccuracies. 

As per the Fair Credit Reporting Act ( FCRA ), I expect that this dispute will be resolved within 30 days. I also request that you provide me with a written response detailing the results of your investigation, any corrections made to my credit report, and a free copy of my updated credit report. 

Please acknowledge the receipt of this letter within 15 days and keep me informed of the progress throughout the investigation process. I am asking for your assistance to correct the late open account : XXXX XXXX XXXX XXXX Balance : {$5900.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was confused about some reporting on my credit reports among the 3 bureaus. None of it was consistent so I sent letters to the original creditor, and I copied all three bureaus with my concerns. 

XXXX responded by removing missed payments from my report, but LOWERING MY SCORE XXXX points! Experian responded by denying the dispute although I asked for clarification from my original creditor, not the debt holder. 

I also sent a letter asking that all addresses and phone numbers be removed from my report, and that has yet to happen. The addresses and phone numbers I do not recognize, and I provided my updated information. 

Upon further investigation, I learned that the reporting is NOT Metro 2 compliant. Which explains my confusion.
Product: Mortgage

I refinanced my loan with another company and closed on XX/XX/XXXX  My new loan has paid my property taxes.  My previous mortgage company, Amerihome mortgage has also claimed to have paid the taxes and my local tax office sent them the check back of XXXX.  Amerihome states I will get the money back once the returned check comes in.  It has been several weeks and nothing has happened.  I have called 10-15 times to Amerihome.  I am getting nowhere.
Product: Debt collection

I am not liable for this debt with XXXX XXXX XXXX XXXX XXXX XXXX  and I do not have a contract with LVNV FUNDING plus they did not provide me with the original application like I asked. 
Account No : XXXX**** Amount Disputed : {$510.00}
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

My Identity was stole and i am a victim. These reports has effect my consumer report and as a victim i deserve a fair and accurate credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I attempted to dispute a derogatory mark on my credit report for FAIR COLLECTIONS & OUTSOURCING through the XXXX website and was unsuccessful in submitting my dispute. There was a message stating that my 'dispute submission failed '' due to the fact that I have already filed a dispute for this item. I called exprian to requested proof that this debt is valid and they instructed me to contact the creditor, which I have been unsuccessful in getting debt validation from them as well. Upon, further research, this account was transferred/ sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also, there was No written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it's mines. According to the FCRA, FAIR COLLECTIONS & OUTSOURCING has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Product: Credit card

My credit card issuer, Chase Slate, assessed my account with a late payment fee of {$27.00} on XX/XX/2016 that was a direct result of their online payment system being unavailable to access requests from XXXX. In speaking with their technical support services staff on the payment due date of XX/XX/XXXX about the issue they informed me that they were not able to provide an alternative and advised me to contact the Chase Customer Service line during regular business hours. They assured me that my access attempts and phone call were logged and that the matter would be rectified without penalty. 

The following day I contacted Chase Customer Service and spoke with an agent who informed me that " as a matter of policy they would not refund the late fee despite the online payment system availability and the assurances from their technical service staff ''. I attempted to escalate the issue by requesting to speak with a supervisor to whom I described the issue, provided her with the details of my phone call and offered to produce an image of the web page errors but she insisted they would not reverse the fee.
Product: Money transfer, virtual currency, or money service

I am writing to formally raise my concerns about Zelles handling of disputes, particularly in light of the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ), which highlights significant shortcomings within the platform. 



As a regular Zelle user, I have encountered discrepancies in transactions that I reported promptly to my financial institution and Zelle. However, my concerns were not adequately addressed. I was informed that recovering the lost funds was not possible and that tracking the transactions was unfeasible. This lack of accountability and resolution is both frustrating and unacceptable. 



The CFPBs findings reveal that Zelle has failed to adequately protect consumers, enabling repeat offenders to exploit the platform and leaving users vulnerable to scams. These systemic issues undermine consumer confidence and contradict the responsibility of financial institutions to safeguard their customers interests.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke to   XXXX   XXXX   supervisor in the special handing department for trans union in let him know that I was affected by the glitch they had in there system for inquires where thy where taking off my credit report in reinserted without notifying me within 5 days he said I was the 100 person to called about the issue in he ca n't do nothing about it
Product: Credit card or prepaid card

On : Saturday XX/XX/2021 I tried to use the Tap Feature at a Wells Fargo ATM, to access their ATM. It didn't work very well!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and Transunion is reporting old addresses that do not belong to me. I have contacted and they will not remove. I am a victim of fraud and there has been multiple things opened on my credit that does not belong to me under many different address. These accounts connected to addresses/names that are not mine need deleted immediately. They have FTC reports showing my filings.
Product: Credit reporting or other personal consumer reports

Equifax has Conducted Sham Investigations on My Equifax Credit file, rather than Properly Reviewing the Alleged Frivolous Disputes, I begged them to do, as required by Federal Law. 
XXXX XXXX for XXXX XXXX XXXX Georgia XXXX XXXX Equifax Inc. XXXX XXXX XXXX XXXX XXXX ; Case XXXX My file keeps showing over time FCRA violations : Late Payments : 15 USC 1681 a ( 2Xi ), 15 USC 1681 ; Permissible Purpose : 15 USC 1681b ; Reinsertion Deleted Items : 15 USC 1681i ( 5 ) ( b ) Responsibilities of Furnishers : 15 USC 1681 ( s ) -2 ; Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) ; Verification : 15 USC 1681i ( 7 ) I have informed Equifax multiple times that the entries below are erroneous and fraudulent. 
XXXX XXXX $ XXXX/Opened XX/XX/XXXX XXXX XXXX/ $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX/ $ XXXX XXXX XXXX XXXX XXXX $ XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX $ XXXX XXXX XXXX $ XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX NC XXXX & XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX Based on the CFPBs recent lawsuit against XXXX for sham investigations of consumer disputes and improper reinsertion of deleted information, I am concerned that you may fail to meet your obligations under federal law. Inaccurate information has already negatively impacted my ability to obtain credit. I demand Equifax to conduct a comprehensive investigation of the disputed accounts and inquiries, provide me with verifiable documentation, such as signed contracts, substantiating the legitimacy of the disputed entries, and permanently delete any unverifiable, inaccurate, or fraudulent information from my credit report. I AM HONESTLY BEING PSYCHOLOGICALLY HARASSED. 
Failure to comply with the FCRA and other applicable laws may result in legal action, as seen in cases such as XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D. XXXX. XXXX XXXX, XXXX ). Additionally, I reserve the right to report Equifaxs non-compliance to the following agencies : Consumer Financial Protection Bureau ( CFPB ) ; Federal Trade Commission ( FTC ) ; Attorney General of North Carolina.
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. 

List of Unauthorized Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

I disputed on XX/XX/XXXX with the bureaus regarding a late payment that is COMPLETELY inaccurate as well as a collection that no one has yet to verify or validate for me as being accurate, therefore I do not feel I am responsible for it! Since the bureaus didn't correspond with me about anything, I disputed again on XX/XX/XXXX and yet again, the bureaus have ignored my request, this is very negligent and not fair to me as a consumer!