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

Loss job due to medical disability- had credit protection insurance with Credit Card company which I understood such claim would be covered - my claim for benefit was not processed nor were any fees returned as I paid for a credit product they did not assist with - XXXX claim took several months for determination and receipt of XXXX benefits to pay back credit card company. Due to the number of fees applied and increase accrued credit card company charged off balance and written off as profit/loss - Please update each of the three major credit bureaus to reflect XXXX balance. Provide me a 1099-C for debt cancellation.
Product: Debt collection

We received a letter in the mail from Account Liquidation Services , Inc. requesting my card information on XX/XX/2022. This letter was sent to my former address, therefore I didn't actually recieve it until XX/XX/2022. The letter stated there was a check used under my name, and was not honored by the bank, XXXX Bank. The check was written for {$41.00} used at XXXX XXXX. I've never heard of this Bank, nor XXXX XXXX therefore assumed this was a new scam. We called the Account Liquidation Services , Inc. and left a voice-mail on XX/XX/2022. We received a call back from Account Liquidation Services , Inc. today, XX/XX/2022. They confirmed they are in fact not a scam, and actually just received another check that not honored by XXXX Bank for {$100.00} at XXXX XXXX again. I have also never heard of this bank. I use a different bank, and have never written a check before. Account Liquidation Services INC. informed me that XXXX XXXX Is for XXXX XXXX The first check was used at XXXX  # XXXX. The second check was used at XXXX # XXXX. XXXX claims once they turn the check over to the bank, and the bank turns the faulty check over to collections, they are no longer able to help. Both of the XXXXs are located in Wisconsin. I work, and reside in Minnesota and have no need to go to Wisconsin and was not there the time these transactions were made. I called both banks, and they both claim to not have accounts under my name. XXXX Bank said they were probably counterfeit checks, someone forged my identity and they are not able to resolve this issue as it is a federal matter. I contacted our Attorney General office, and they referred us to this website.
Product: Credit card or prepaid card

I have a Zales Comenity store credit card opened on XX/XX/XXXX that was closed on XX/XX/XXXX. I also have a Children 's Place Comenity store credit card that was also closed on XX/XX/XXXX. That account was opened on XX/XX/XXXX. 

I made telephone attempts to reopen accounts being that they have been closed so soon. The lender 'Comenity ' cited that they can not reopen accounts closed by the bank. It is my understanding that Comenity is the lender and will not in good faith allow me to make a purchase since XX/XX/XXXX to reopen my accounts. 

Any advocacy to get me to use and keep these accounts would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to verify everything in my credit report, and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX has violated my rights. 

15 U.S.C. 1681 Section 602 A States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

The company got a writ of garnishment against me for a debt that had been previously forgiven by XXXX XXXX in XXXX of 2024. They then garnished my sons account ( that has my name on it ) and seized federal student loan funds from the account. My wife contacted them at the advisement of my bank to let them know that they took money that was protected and they hung up on her, treated her like she was XXXX  and laughed at her. They not XXXX time attempted to help me and continued to transfer her to their part time garnishment departments voicemail. My wife left multiple voicemails and emails some directly to XXXX XXXX himself and never received a response. The writ of garnishment gave instructions to contact them if I had concerns about money that was taken, but when contacting them, they do nothing but hang up, yell and play a transfer game. This is an ongoing issue with this company that has several past lawsuits against them and had to pay XXXX in settlements already. Jacob law firm needs closed and XXXX XXXX needs to be disbarred from the XXXX  XXXX XXXX along with every attorney he sends to court on his behalf.
Product: Credit reporting

I recently reviewed my credit report and notice several inaccurate information. Several items do not meet the Fair Credit Reporting Act guidelines nor has the companies reporting the information validated and verified the allege debt for example XXXX XXXX ( never validated the allege debt ), XXXX XXXX XXXX ( never validated the allege debt ), XXXX ( never validated the allege debt ), XXXX XXXX XXXX ( company has reported different information to every credit bureau, company admitted the deed was never recorded with XXXX XXXX nor have they provided legit documents ), and XXXX XXXX ( this company has not responded to any letters, CFPB is unable to locate the company nor have they added the sentence consumer disputes ). There are several unauthorized inquiries reported to the Credit Bureau, I never authorized the inquiries nor do the inquiries fall under FCRA- permissible reasons. I sent Experian notices to remove the false and misleading information but I received no response. The said companies are reporting False, misleading, and deceptive information. The false and misleading information being published by the credit bureau has hurt my credit score, caused humiliation, and financial injury.
Product: Credit reporting or other personal consumer reports

No written consent or permissible purpose to report on my credit report. Thats fraud and identity theft Im asking XXXX $ per violation of my rights and to block and remove information reported. Pursuant to 15usc1681 and also Im asking XXXX dollars for knowingly and willingly reporting false and inaccurate information pursuant to 18usc1001.
Product: Credit reporting or other personal consumer reports

I DID NOT SIGN A CONTRACT WITH EXPERIAN TO FURNISH THIS ON MY CONSUMER REPORT. EXPERIAN VIOLATED 15 USC 1681b-PERMISSIBLE PURPOSE of consumer reports, THE LAW CLEARLY STATES that : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you, Experian written instructions to furnish this on my credit report? 

I never gave Experian any written or verbal consent to report anything on my consumer report. THIS DISPUTE IS COMING DIRECTLY FROM MEEE!!!! 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as the transactions or experiences between the consumer and the person making the report ; I AM DEMANDNG EXPERIAN TO DELETE/REMOVE THE FOLLOWNG ACCOUNTS LISTED BELOW FROM MY CONSUMER REPORT. 

1. VIOLATED 15 USC 1681b-PERMISSIBLE PURPOSE-NO WRITTEN CONSENT XXXX XXXX Account Number XXXX XXXX As a consumer by law this account must be deleted immediately 2. VIOLATED 15 USC 1681b-PERMISSIBLE PURPOSE-NO WRITTEN CONSENT XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately 3. VIOLATED 15 USC 1681b-PERMISSIBLE PURPOSE-NO WRITTEN CONSENT XXXX XXXX Account Number : XXXX
Product: Mortgage

SPS servicing my loan and I try to refinance witch they are asking to pay whole amount in the amount of {$49000.00} and I am trying to refinance this from the last year, in different programmed every single time they denied, I have strong believe that they discriminate me in their Decision, therefore, Kindly look into this matter please.
Product: Credit reporting or other personal consumer reports

I am writing you this notice to update the information in my consumer report. See below for my accurate personal information. 

Full Name : XXXX XXXX Date of Birth : XX/XX/XXXX Last 4 SS # : XXXX Address : XXXX XXXX XXXX XXXX XXXX, Texas XXXX I have lived at this address since XXXX, XXXX Telephone : ( XXXX ) XXXX Please correct my personal information and remove every other information different from the information provided above from my consumer report and mail me an updated copy of my consumer report. 

I appreciate your prompt attention to this matter, and await your reply
Product: Checking or savings account

I was never given my cash back bonus of {$600.00} after spending {$4.00} XXXX dollars within 3 months. And massive unauthorized fraud on my account which bank of America is refusing toacknowledged. Collection agency are constantly calling me and Boa puts me on hold never to pick back up after telling them about fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation. 2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. 
I respectfully request each investigation to be reported to Experian, XXXX  and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX
Product: Checking or savings account

Wells Fargo is sending us letters every other day, phone calls every day. Enough is Enough. Please advise me on what attorney you all have used. I would appreciate it very much. Wells Fargo always say they are still working on it and no results yet. Please help me to sue Wells Fargo? XXXX XXXX filed Bankruptcy because XXXX can not continue to be harassed by Wells Fargo for something she did do. XXXX is under XXXX doctors now. All we need now is to clear XXXX XXXX XXXX name. XXXX XXXX, XXXX did not do it either. We know Wells Fargo is not going to do anything. Wells Fargo is proving it to us and to you all. Thank you.
Product: Checking or savings account

On XX/XX/2020 I filed a claim for unauthorized pay friend transfer. I filed this claim when I went to look at my account and seen that my account had been completely drained of {$2000.00} I had set aside from my University XXXX XXXX refund I had gotten on XX/XX/2020. Normally I get notifications from chime when my account balance is low or if Ive done anything on my account but on XX/XX/2020 my account was hacked and all my money was gone and I didnt get an alert or anything from chime saying my account was low. I had gotten a refund from school on XX/XX/2020 and the refund was for {$2400.00}. I had gotten my unemployment payment as well and so sent money to my XXXX  account to be sent to my bank to cover bills I had to pay. I left {$2000.00} in my Chime account thinking it was safe there until I needed it. But one day after getting my school money and sending money to my back my Chime account was HACKED and my money was gone. Of course it looks like I sent the money, but thats how hackers work. They can log into your account from anywhere as if they were you and do what they need to do. If this done by me I wouldnt waste my time writing this and fighting for my money I thought was safe in my Chime account. I have never use the transfer to friends feature on the Chime app and all of my transactions of sending money have been to myself. That {$2000.00} is all the money I had, my rent was apart of that {$2000.00}. All Im asking to have my money returned back to me. This was a fraudulent transfer that I did not do. I have no clue who the person is that was the recipient. If I did send the money trust me all of this typing and pleading my case would not be happening but it is because it wasnt me. I only have {$20.00} something dollars to my name in my bank account and so I dont have {$2000.00} to be sending to anyone ... so yeah Im going to fight for my money. I pray this will help because I really dont want to have to go to court and fight for even more money due to inconvenience and breach of security because I may have to. I all I want in my {$2000.00} back and thats it. After I filed this complaint on XX/XX/2020 chime closed my account with them and will not tell me why they closed it.
Product: Credit reporting or other personal consumer reports

I sent experian a letter on XX/XX/2023 demanding that method of verification be given to me along with paperwork to backup their claim of investigation, Fair Credit billing act 15 U.S.C. 1666 the are billing errors on those accounts, the remarks on the comment section of these accounts are misleading and inaccurate. There are numerous violations by experian. 15 U.S.C 1681b Permissible purposes of consumer reports 15 U.S.C 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 16 C.F.R. Part 313 PRIVACY OF CONSUMER FINANCIAL INFORMATION I would like this issue to be resolved by experian once and for all since they play stall tactics.
Product: Credit reporting or other personal consumer reports

I found out that my cousin XXXX used my information to open fraudulent accounts. I have done everything that i was asked to do but they refuse to remove these fraud accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Unions is currently reporting an inaccurate amount loan paid as agreed on my credit report. Also, remarks on my Automobile should be : Paid Off not closed. Their inaccurate reporting is negatively affecting my credit score and I am receiving denied credit letters. They deleted the automobile loan from my credit report where they should have modified the amount paid off. Which took my credit score from 700s to the 500s, between XX/XX/2019 XX/XX/2019. 

I've been trying to correct this issue since XX/XX/2019. File #
Product: Checking or savings account

On Saturday XXXX, XX/XX/2021, I deposited A cheque in my business account at the ATM for the amount of {$3900.00}, The Balance in My account was {$7100.00}. 
On Monday XXXX, I checked my account on line, the balance was {$0.00}, I called citi bank to see what is happening. 
they advised me to call the fraudulent Department, because my account is blocked, I called the fraudulent Department, I give them my account number, she said no account with that number. 
I give her my debit card number, she said no card with that number. i said i will go to the branch. 
on XX/XX/XXXX, i went to the branch, and i asked to close the two accounts i have with them.

They closed one, and they have to call the fraudulent Department to unblock the other account. 
XXXX XXXX called them and told me, my account blocked because i deposited a fraudulent cheque. and i have to wait for the fraudulent department to close my account and send me a letter explaining what happened. i give them the proof that the cheque is paid from XXXX  XXXX XXXX to citi bank, they did't care.
Product: Credit reporting or other personal consumer reports

CKS Primes XX/XX/XXXX response claims my {$15000.00} account, settled XX/XX/XXXX, is accurate as a paid collection. Its notI requested validation for XXXX ; they sent no proof, just vague repliesFCRA 623 ( b ) violation. Each bureau shows account updated XX/XX/XXXX yet CKS says it was paid and closed on XX/XX/XXXX. A paid debt shouldnt linger as a collection since XXXX, tanking my creditdenied cards in XXXX, forced into XXXX XXXX  loans in XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally express my concerns and frustration regarding the XXXX data breach that occurred in XXXX. As a victim of this incident, my personal and financial information has been compromised, leading to significant distress and ongoing issues with identity theft. XXXX is inaccurately reporting my Social Security Number, posing a significant risk to my financial security and identity integrity. You have not supplied proof under the doctrine of estoppel by silence Engelhardtv v.Graven ( MO ) 261 SW 715 719 i my presume that no proof of the alleged debt nor therefore any such debt in fact exists
Product: Mortgage

When the homeowners insurance was due for renewal on XX/XX/XXXX, I was contacted by my insurance agent because NationStar dba Mr. Cooper was refusing to pay the premium out of the escrow funds that have been collected for the past year. After repeated unsuccessful attempts by myself and the insurance agent to compel payment by the lender out of escrow funds, I was forced to enter into a monthly installment plan directly with the insurance company to avoid insurance cancellation on the property that would violate the terms of the mortgage. I am the spouse of the mortgage holder and reside in the home. The insurance policy is in my name as the borrower 's spouse since XXXX with no prior issues. 

This is a renewal of the same exact policy, under the same exact name, that the mortgage company has paid out every year without prior issue. The insurance is for the property that is under mortgage with NationStar. 

I have repeatedly submitted payment receipts and deck pages to prove that the home is still insured and that I am now paying for the insurance out of pocket in addition to NationStar continuing to collect funds for payment in escrow. I am now being threatened that the company plans to " force place '' insurance on the property due to insurance being cancelled which has not happened as I am now paying out of pocket in addition to the monthly, timely mortgage payments. A mortgage company should never be able to " force place '' insurance on a property that is proven to be already insured. Furthermore, they should not be permitted to continue collecting escrow payments for hazard insurance that they refuse to pay out. As of XX/XX/XXXX the mortgage company has {$3700.00} of my funds in escrow to pay the renewing hazard insurance policy that has been in place on the home, under my name, since XXXX and continues to refuse payment with the funds in escrow. 

I need immediate help as I am gravely concerned that NationStar is attempting to force a refinance, foreclosure or force an unaffordable insurance policy on the home when there is already insurance in place on the property. I have always paid timely and I need some serious strong arm help to force the mortgage company to pay out the renewed hazard insurance that has been accepted without issue until now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I call Experian many times, sent many letters ... I ask for Mov. They are not following the rules at all.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation