23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I mailed my check in to pay my mortgage it usually takes 10 days it took XXXX the check bounced my bank took the check out the same day but took the check out before my direct deposit went it. My bank forgave the fee because it was 20 minutes difference. I called SLS immediately to submit my payment over the phone and stop payment. They told me that it was ok to wait for a notice. I called every week for a month. XXXX said to wait, I received notice of foreclosure if I did not pay my over due payment. I called XXXX again paid immediately like I tried to do two months before I asked if this was going to show up on my credit report because I tried over and over again to fix the problem she said no it would not show up on it. I tried to refinance and was denied because SLS put on my credit report that I was 2 months overdue. I called them they said to send them a letter to review it. I called again the lady on the phone said that she could not see why it took them 2 months to put it back on my account and they would look into it to call back in a week, I called back and they said that they could not do anything for at least a month. I have asked then to help me over and over again with no results. So I do not trust them to do this and I will loose financing. please help. They doubled my loan amount. I have tried to get the loan modified. sent paper work twice was denied and I have no idea why. I asked then to look into it never heard from them. I called again they said that they have no idea why I was denied. So I have no faith that they will do what they say.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following account currently listed and showing on my Trans Union, XXXX and XXXX credit report is a fraudulent account and the result of identity theft : XXXXXXXX XXXX XXXX, {$4000.00}, XX/XX/2022. The XXXX XXXX XXXX XXXX XXXX Account is not my account, a fraudulent account and the result of identity theft. XXXXXXXX XXXX XXXX Case Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I got my background check back on XX/XX/2023 my criminal background showed a XXXX charge that resulted in not getting a job. The charge was amended to attempt of a XXXX which is a lesser felony. With the inaccurate screen I didn't get the job where as if it were corrected I may have received employment
Product: Money transfer, virtual currency, or money service

On several occasions between XX/XX/year> and XX/XX/year>, I mistakenly sent funds totaling {$3000.00} via Zelle to an unknown recipient as a result of a phone scam. My personal and banking information was fraudulently obtained by someone impersonating a service representative. I reported the transactions to XXXXXXXX XXXX on XX/XX/year> under claim reference # XXXX, but my claim was denied. XXXX informed me that Zelles policies do not allow for recovery of funds once a transaction is completed, even in cases of fraud or error. 

The lack of recourse for recovering funds through Zelle has left me financially harmed, and the denial of my claim by XXXX has further compounded my frustration. I believe Zelles policies do not sufficiently protect users from fraud or unauthorized transactions, and I was not adequately informed of these limitations when using the service.
Product: Credit reporting or other personal consumer reports

This is my another refilling complaint to the REVVI/XXXX XXXX since it seems that I was never been heard for allowing the fraudulent account and for not taking corrections on my credit report despite the multiple request I sent. I have my dispute letter datedXX/XX/2024, XX/XX/2024,XX/XX/2024 andXX/XX/2024, alongside with this complaint is the identity theft report number XXXX.They allowed the fraudulent account to be reported in my credit file without proper notification. As I checked my credit report the fraudulent account still reflected on my credit report, possibly because my previous dispute letters were not taken seriously. I was expecting that I can count on them to protect my information and to provide accurate credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX  XXXX Balance : {$2200.00} XXXX XXXX  XXXX Balance : {$4100.00} XXXX XXXX XXXX XXXX Balance : {$7200.00} XXXX XX/XX/XXXX
Product: Debt collection

I was paying a company called XXXX for a hospital debt. I had a balance remaining on the account of {$530.00}. I sent a payment through online banking on XX/XX/2020, XXXX received the ACH payment and withdrew the funds on XXXX XXXX. 
Unknown to me XXXX  sold/merged with a company called RMP services. On XX/XX/2020 I received a letter stating I had an outstanding balance of {$530.00}. I contacted the phone number for XXXX  that I had for over a year, this number directed me to RMP services. RMP services states they never got a payment and there is no record of me paying. I went to my bank which gave me all the information showing when the payment was made and withdrawn from my account. 
RMP services is sticking to saying they dont have record of payment even though I have sent them all my banking info with proof where the payment was made. This company has now stolen my money and wants more.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It XXXX Concern : I recently received a copy of my ( XXXX, Equifax XXXX XXXX ) credit report, and I noticed some late payments posted on my credit report : XXXX  XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) 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 written instructions to furnish this on my credit report?

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 to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX XXXX Enclosed : copy of ID
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax 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 actions may also contravene the Consumer Financial Protection ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with the necessary proof of investigation.
Product: Debt collection

In XX/XX/2013 I lived in an apartment complex called XXXX XXXX in XXXX, Tx. XXXX XXXX alleged I skipped on a lease, which is inaccurate based on their own records, and then sold the debt to a collector for collection action. XXXX XXXX purchased this property sometime after and has assumed any liabilities associated with XXXX XXXX. I do not owe any money to XXXX XXXX, the debt collector they assigned to collect or anyone else associated with XXXX XXXX. Ive attached the lease for proof. I submitted notice directly to XXXX XXXX prior to moving since I was on a month to month agreement and not a lease per the documents attached. I also moved out in XX/XX/2013 and not the date alleged.
Product: Debt collection

I am a victim of identity theft, and I have reported this matter to the authorities. It is perplexing that while other credit bureaus have promptly recognized and removed these fraudulent accounts, Experian appears to be ignoring my legitimate requests. 
List of Fraudulent Accounts : XXXX XXXXXXXX PLEASE DELETE!!! XXXX have already removed this account from their records.. 
XXXX XXXX PLEASE DELETE!!! XXXX have already removed this account from their records. 
XXXX XXXX XXXXXXXX XXXX-FRAUD, PLEASE DELETE!!! 
The Fair Credit Reporting Act ( FCRA ) grants consumers the right to accurate and fair reporting of their credit history. I demand an immediate and thorough investigation into these matters, with the removal of the fraudulent accounts from my credit report.
Product: Checking or savings account

On XX/XX/XXXX, 2 different news outlets reported that my credit union was forcing members into a premium account and they wanted to avoid people closing accounts so the credit union was sending letters and emails in rounds. You have to meet 3 requirements to keep your current free account and during a pandemic this is very hard for most households. If you don't keep up their requirements, the account is forced into the premium version and you have to pay. 

I called to ensure my account wouldn't be moved to a premium and I was harassed and told I couldn't trust the news and to just wait until my letter arrived. 

I was very clear I didn't want to be forced into premium and will be moving accounts elsewhere. I was then placed on hold until the agent hung up. 

This is wrong. I shouldn't have my accounts moved without notice and be forced to pay for something I don't consent to.
Product: Checking or savings account

I RECEIVE DIRECT DEPOSIT FROM MY EMPLOYER AND CHILD SUPPORT ON WEDNESDAYS AND I STILL HAVE NOT RECIEVED MY EMPLOYER DIRECT DEPOSIT OF {$2300.00} AND CHILD SUPPORT PAYMENT OF {$310.00}. I HAVE NO ACCESS TO MY MONEY. BILLS ARE DUE AND LATE FEES ARE ACCUMILATING. PLEASE WE NEED OUR MONEY AS SOON AS POSSIBLE. I HAVE XXXX CHILDREN THAT I RELY ON PAYCHECK AND CHILD SUPPORT TO TAKE CARE OF.
Product: Credit card or prepaid card

In XX/XX/XXXX I signed up with XXXX XXXX with XXXX XXXX during that time I provided my XXXX XXXX XXXX XXXX number XXXX and I was informed by XXXX XXXX that my history will report every month to XXXX XXXX XXXX XXXX and informed me about my saving at the pump how I would get XXXX cents off at the pump at the pump and how I ca increase my credit line in so forth. Around XX/XX/XXXX XXXX XXXX contacted me asked me to make a big purchase on credit card because the company was doing some type of analyst and that I would want that to report on my credit report. I confirmed my XXXX XXXX XXXX XXXX number once again with XXXX XXXX and informed and couldnt make a purchase if I didnt need too. XX/XX/XXXX come around I find out my history has never been reported to XXXX XXXX XXXX XXXX. I contact the credit department XXXX  they state it was nothing that they could do and to contact XXXX XXXX XXXX XXXX. I contact XXXX XXXX XXXX XXXX and they informed that the company can got back and report up to 12 months I informed the credit department of the information XXXX XXXX XXXX had just mad me aware of. They informed me that they will not go back and report it XXXX XXXX  XXXX XXXX had to fix it the problem abut that will report from that day forward. I also contacted my rep XXXX XXXX. I asked XXXX XXXX what happened where was the ball dropped at, XXXX XXXX stated that my XXXX XXXX XXXX XXXX number was on file and it should have been reporting. XX/XX/XXXXI call XXXX XXXX back to inquiry about XX/XX/XXXX XXXX XXXX and to find out what was the extra charge I keep getting charged every month and it keeps going up and Im asking him to explain the bill. He states its a late charge and he hasnt heard anything back from the credit department as of this point and for me to contact them again and to contact customer service regarding my bill. XX/XX/XXXX, I contacted customer service again regarding the strange charge. Customer service finally informs me that the strange charge is an out of network fee and that every time I use another brand other then XXXX  I have to pay {$2.00}. Im like wow I was never disclosed this information prior to signing up for the account or during my lifetime of the account until that day. I call XXXX XXXX immediately and asked him about the out of network fee and why did not inform me. XXXX XXXX states that he was not aware of the charge. I asked XXXX XXXX how is he selling a product you know nothing about then I went to inquiry about my XXXX XXXX XXXX XXXX XXXX and he had no answers. I gave XXXX XXXX more than enough time to resolve this issue. He has refused to response to my inquiry and refund me. XXXX XXXX has refuse me contact information of his superiors as well. Since XX/XX/XXXX I have been getting charged fXXXX XXXX in the amount of {$9.00}. On XXXX I received 2x charges for XXXX XXXX. XXXX XXXX refund {$110.00}. Out of network fee since XX/XX/XXXX in the amount of {$180.00}. Miscellaneous fee XXXX for XXXX. Total due back to me is {$310.00} and I would like company to go back and report to XXXX   XXXX XXXX XXXX like I was promised 3x.
Product: Credit reporting, credit repair services, or other personal consumer reports

Late Payment reported for Self Lender I paid a large amount prior to the payment date. During this specific month I did not get any notifications of PAYMENT DUE. Clearly It had been paid. Historically I have paid on time. In addition to the Pandemic I was going through identification fraud via the IRS and State of California leaving me without any way to pay which is why I submitted a large amount to account for this issue and any other foreseeable issue. Due to the fact, I did not have a means of electronic payment and I only received a notification of being LATE and no NOTIFICATION of PAYMENT LATE, ONLY CHARGED A LATE PAYMENT Also, you will see it is accurate that a payment was indeed RECEIVED. I believe this is why I was not prompted to be SENT A PAYMENT DUE REMINDER - Why - Because I had made a payment. Unfortunately, I paid in that month and if it was not for the other issues along with Pandemic i would have paid it off. However, I still made my monthly obligation as noted per FCRA. I did not anticipate being chosen as a fraud error or verification of identification for both IRS and the state of California. All this was due to the fact I moved. Therefore, it was an absence of urgency due to the skeletal crew with business and USPS.
Product: Money transfer, virtual currency, or money service

I used CASH APP my funds went to the wrong person Cash APP had no Customer Service and would not assist you in getting your money back on many occasions, Not a Customer Friendly site.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX, i learned that i had identity theft. My credit report showed that someone took out a loan in my name. The company that gave the loan is called Fig Loans Texas LLC. There contact # is XXXX and there address is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX. I have tried to contact via phone XXXX times and i get there voicemail. Left numerous messages. There voicemail says to contact via email XXXX I have sent them XXXX emails. They state the more emails you send the further down the que you will get. It has been almost a month and i have not heard anything. I have a case # with police dept from XXXX XXXX. I have contacted FTC and filled out identity theft. I then went a step further and mailed them a copy of the identity theft report and a letter. No response. The loan is for {$500.00} with Terms of 3 months.The Date the loan was opened was XX/XX/XXXX. It is on my credit report and can not get them to contact me to remove it.
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX I sent Equifax a letter via priority mail stating that these items were unauthorized and unverified. On XX/XX/XXXX I called Equifax asking them to remove these items from my report because its against the law as stated in these ACTS. 
SECTIONS 18 U.S.C. 1028A deals with aggravated identity theft.

15 U.S.C. 6802 pertains to the Obligations with respect to disclosures of personal information 15 U.S.C. 1681brefers to the Fair Credit Reporting Act ( FCRA ), a crucial piece of legislation in the United States can you please help me XXXX Inquiry : XX/XX/XXXX XXXX XXXX : XXXX XXXX, XXXX FACTUAL DATA Inquiry : XXXX XXXX, XXXX FACTUAL DATA Inquiry : XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I was XXXX I got a Car and shorts afterwards the Next year I XXXX because I am an XXXX XXXX XXXX in the XXXX. When I XXXX I didn't have anyway to contact America I tried to. download multiple Texting/calling apps, I tried emailing but to no Avail I could not reach XXXX in America. When I returned I noticed that I had a collection and it was from them It said my account charged off in XXXX when I was XXXX and whenI called and told them my situation they rest assured I was good and that it was okay. They gaslighted me Into believing things until I just paid the car off in one big lumpsum. While I was paying they reported every month CO reseting my date of last activity with them.I tried to ask them to stop since they can not legally do that and they said that they are doing what they are instructed.I didn't argue or fight with them because, I was young and didn't realize how bad that was. Now I recently tried contacting them to no avail to get the to delete the CO month by month and have a more accurate reading and they have not. I Paid the account off in XXXX
Product: Credit reporting or other personal consumer reports

I appreciate your assistance in getting some of the fraudulently obtained data from my credit file removed, but there are still items that need to be blocked or removed. You must remove all records listed on an ID THEFT REPORT in accordance with FCRA section 605 of the regulations. I am proactively including this report again because I proactively remembered it for a previous letter. I have informed my attorney of my intentions, and they are willing to hold you accountable for your persistent disobedience. 


XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$12000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$6500.00} XXXXXXXX XXXX XXXXXXXX Balance : {$6000.00XXXX XXXX XXXX XXXX Balance : {$16000.00}
Product: Credit reporting or other personal consumer reports

Experian deleted most of the fraudulent accounts off my credit report but there are still fraudulent accounts on my credit report that have not been deleted yet.
Product: Credit card

I haven't charged anything on this card for almost XXXX year. When my introductory rate ended, the bank ( Wells Fargo ) raised the rate to XXXX % which was also not expected. I now understand the " shell game '' they have played. XXXX month prior to my introductory offer ended, the bank lowered the amount I could charge ( even though I've never been close to the amount ) which then lowered my credit rating. Based on that, they then raised the rate to XXXX  %. 

However, I know the federal regulations only allow them to use that rate for new charges, not old charges. They refuse to listen or explain how they can do this and not be in violation of federal regulations. 

They have raised my monthly payment to $ XXXX even though all of those charges are not new, they are very, very old. That is basically half my rent. I was using this card to pay off medical bills rather than declare bankruptcy. Now they have left me no choice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I retrieved a copy of my credit report from XXXX and XXXX Credit Bureaus, and I noticed a credit inquiry that I did not authorize.
Product: Debt collection

I received a phone call from someone who refused to give his name only stating he was an investigator trying to locate me to give me documents. When I asked whose was sending him and what it was regarding he said Continental Processing at XXXX. He then began to describe the vehicle in my driveway. When I asked what that has to do with this he said because people run. He then told me I had 5 minutes to contact this company to resolve. When I called the company the same man answered the phone and transferred me to another man. This man was trying to bully me from the moment he answered telling me I had committed fraud and that I was doing illegal things. I asked him whom he was collecting for and he said I am not collecting. He stated that Check into Cash hired him to locate me because I frauded them. He said if I pay him {$600.00} they will stop. I asked what the {$600.00} was for and he said fees to locate me. I asked whom do I call to sort out the balance as these fees are more than the original debt. He said Check into Cash does n't want their money. We just want our fees. When I said this is illegal to charge in a payday loan he stated that it 's no longer a payday loan. You now owe us. I told him I would contact Check into Cash directly. Immediately the man that originally called me started blowing up my phone. I dint answer as I was on the phone with the other man. This man called me another 8 times and finally I finished my call and answered the first caller who started yelling at me said I ca n't run and that I was a thief. He said you have been notified and that I would be going to jail