23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Purse was stolen at a function I attended as a speaker on XXXX XXXXPurse contained 2 phones my wallet ( credit and debit cards, social security card ), some cash and passport. I was one of the last people to leave the event due to cleaning and closing up and only thing I had left were my car keys which on my person. I was not able to purchase another phone right away but did call Chime to file a dispute. There had been cash app money transfers from another account and transactions with Chime as well as a money transfer via XXXX to a party I was not aware of. I tried contacting that person to let them know the device was stolen and the person who sent the money was not me but had no success getting the money sent back. On the XXXX 3 days after filing dispute with Chime on the XXXX of XXXX I got a email stating one of my claims were denied. I contacted Chime to see why and was told they were not able to tell me but would send the denial reason. I also learned on that phone call that the rep I spoke to to file the dispute did so with the incorrect information even though I had given him all the information I had and what happened from beginning to end. I asked to speak to a supervisor and to also rebuttal so they can do a proper investigation. Supervisor on the phone told me that they usually will deny if the merchant was used previously which had nothing to do with this charge being fraudulent. I received a copy of the denial letter which has some discrepancies according to regulation E as well. To this date Chime still has not put in the rebuttal and I was told I am no longer able to but the first rebuttal was never done to begin with.
Product: Debt collection

I recently pulled my reports and noticed you are reporting the incorrect balance owed and date paid for this account ( XXXX XXXX ). In fact, per their correspondence, my debt is not owed by XXXX  XXXX XXXX and was satisfied internally. The information is being reported by your company and the bureaus are different, this means the account has not been properly verified. Most recently, this company reported that my last payment activity was in XX/XX/2021 which is incorrect. They are now continually re-aging my account which is against the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

You are in violation of the law, and putting me at risk. You should not have this on my report due to items/the information does not include nor does it provide complete details on me, the consumer, which would put me in further at risk of identity theft. In order to be on my credit report, it should provide all of the following : name, address, social security number and/or date of birth. They do not. Beginning in XX/XX/2017, Equifax, XXXX and XXXX will no longer include records of tax liens if there are not at least three identifiers : name, address and either social security number or date of birth. My tax liens do not include all three or four identifiers, Therefore the state tax liens should be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

I have a XXXX late payment payments from XXXX XXXX  account open XX/XX/year> I Write XXXX of letters disputing the 30 days late and ask for the information that they take to verify the 30 days late but I dont get that information all now.I dispute it with XXXX and they removed30 day late .under the fair credit Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act convergent Account XXXX XXXX XXXX, XXXX XXXX OF EDUCATION XXXX, XXXX XXXX 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

XXXX has not done a through job in this matter I have cleaned my credit report up once and every negative item was removed and now they have seemed to all reappeared after all these years causing my credit score to go down.
Product: Debt collection

On   XX/XX/XXXX  I  sent a debt verification letter to Portfolio Recovery. They sent me some old computer generated statements which did n't cover everything I requested. Afterwards I disputed this debt with the  XXXX  credit bureaus and I noticed that Portfolio Recovery deliberately tried to  re age  the debt by reporting that I made a {$44.00} payment in the same month of  XXXX . In  XXXX     2017  my credit report shows a balance of {$2100.00} then  XXXX  shows {$2000.00}. I have never paid this company anything and refused to because they failed to validate this debt. The partial account number for this account is  XXXX  and it shows for    XXXX   XXXX   XXXX   XXXX  .
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was recently compromised and every credit agency except TransUnion was very helpful in getting this corrected. TransUnion wants to use combinations of phone calls and physical mail and even had me read my social security number to multiple people outside of the US in order to access my account. If TransUnion is going to be responsible for our personal data, TransUnion needs to develop a stronger security system without the use of paper to assist consumers in the digital age.
Product: Mortgage

My mortgage was paid off as the XX/XX/XXXX and received a paid in full confirmation from the SPS ( loan servicing company ) but in XX/XX/XXXX received new balance and mortgage statements with the full amount of the loan. I thought it is a mistake or computer glitch and called them to see why I am getting this statement. Also asked for debt validation. SPS has failed to show me any debt validation and now has set a trustee sale date XX/XX/XXXX! 
I have been in touch with SPS and its legal department for the last 4 months and have got zero answers to my questions. Its sounds like third world countries that theres no rule of law. Please ask them to validate the loan or stop this process of fraud and illegal activity. 
Thanks
Product: Credit reporting or other personal consumer reports

I am writing to complaint to ALLY FINANCIAL about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. 
As a consumer, I am entitled to demand and/or compel you to delete them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Product: Credit reporting or other personal consumer reports

I've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( XXXX ) suitable identification proof ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the consumer 's identification of the relevant information; and ( XXXX ) a declaration from the customer stating that the information is unrelated to any transactions. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I am formally requesting with this CFPB complaint to update or remove the following accounts in my credit profile which is appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission. Under the provisions of the FCRA, I need the following items corrected : XXXX XXXX Balance Owed : {$160.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$450.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$450.00} XXXX  XXXX Bankruptcy XXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/2019 XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2019
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid this off over a month ago.
Product: Credit reporting or other personal consumer reports

What happened is this report stayed open with Equifax for XXXX  days and they did absolutely nothing and provided no information and then you close it with no resolution. You literally did absolutely nothing to help and you allowed them to continue stopping me from getting a house because they had mine and my daughter 's accounts mixed up. This government agency is absolutely useless because they can't enforce anything so what's the point? The company knows you can't enforce anything. I guess the news is the only thing that's going to work.
Product: Checking or savings account

I got paid from my boss XXXX XXXX XXXX. I deposited the che k into my business account XXXX XXXX XXXX. Now my business account has been closed due to fraud. The bank said the check was fake. Me and my boss called the bank together to let them know that the check was real and approved. My account still hasnt been reopened and my money hasnt been released.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian concerning their failure to address the inaccuracies on my credit report and incorrect personal information, despite my efforts to rectify the situation. 

On XX/XX/XXXX, I mailed a dispute letter to Experian via USPS certified mail with tracking number XXXX XXXX XXXX XXXX XXXX XXXX, requesting an investigation into inaccurate items on my credit report and disputing incorrect personal information. These inaccuracies and incorrect personal details have adversely affected my financial standing and credibility.

Despite my efforts to comply with the Fair Credit Reporting Act ( FCRA ) guidelines and provide all necessary information, Experian has failed to acknowledge or act upon my dispute within the legally mandated timeframe. I did not receive a response back from Experian with the investigation results.

According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate.

It appears that Experian has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute, which they are required to do in accordance with the Fair Credit Reporting Act.

I have taken significant care to ensure the accuracy of my credit report and to protect my financial reputation. However, Experian 's failure to respond appropriately has caused unwarranted stress and financial implications for me.

I am seeking prompt intervention from the Consumer Financial Protection Bureau to compel Experian to conduct a thorough investigation into the disputed items and incorrect personal information on my credit report and to take necessary corrective action as per the FCRA guidelines.

Enclosed with this complaint are copies of all relevant documentation, including a record of the dispute letter sent to Experian and proof of certified mail with tracking.
Product: Credit reporting or other personal consumer reports

My recent credit report showed several billing mistakes with late payments that dont align with my usual payment history. Please correct these inaccuracies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I began to file for bankruptcy but never finished the filing but TransUnion has placed this on my credit report anyway. They have not removed it despite my requesting that twice. I had XXXX investigate the bankruptcy and they have removed the public record from my report.
Product: Mortgage

I AM REQUESTING OMBUDSMAN DEPT. TO AUDIT MY MORTGAGE ACCOUNT. I RECIEVED A LETTER XX/XX/XXXX FROM RUSHMORE LOAN MNGMT SVCS C.F.P.B. COMPLAINT NUMBERS : XXXX & XXXX STATING THAT RUSHMORE RECIEVED A PARTIAL LENDER PLACED REFUND OF {$1400.00} FROM MY PREVIOUS BANK XXXX XXXX STILL, RUSHMORE REFUSE TO DEMAND FROM THEM MY OTHER UNREFUNDED AMOUNT OF {$710.00} INSTEAD THEY GAVE ME TWO BOGUS PHONE NUMBERS, ( XXXX ) XXXX & ( XXXX ) XXXX, TO CONTACT XXXX  XXXX TO DEMAND MY MONEY OWED TO ME SINCE XX/XX/XXXX. 

ALSO, RUSHMORE LOAN MNGMT REFUSE TO REFUND MY {$2700.00} FORCED PLACED INSURANCE PREMIUM XXXX DESPITE ME PROVIDING THEM FULL PROOF OF XXXX XXXX. COVERAGE FOR MY CONDO YRS XXXX TO XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX POLICY # XXXX PHONE ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

Im sorry but you will NOT block my identity theft because youve determined its an error or misrepresentation of material fact? WHAT IN THE XXXX GIVES YOU THE RIGHT TO DETERMINE MATERIAL FACTS? YOURE NOT A JUDGE OR JURY!!! NOR DO YOU HAVE ANY RIGHT. The FTC states if you receive an FTC identity theft report which is filed with a law enforcement agency ( WHICH IS THE FTC ), then you are to comply with the law. Ill give you one last chance to process my request for my identity theft or I will be seeking a legal remedy in the courtroom where you WILL BE HELD LIABLE for damaging my name, credit & all my emotional issues Ive been dealing with due to this issue. Im sure MATERIAL FACT will definitely become VERY APPARENT & you will be paying me for your negligence. XXXX XXXX. Please remove.
Product: Credit reporting or other personal consumer reports

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 that is currently reporting to my credit report is is holding up the process of me buying a new home. The account is FRAUDULENT and UNAUTHORIZED. All the above accounts XXXXfiled a civil case against me for a debt collections that I did not authorize. They are in violation of FDCPA XXXX. demand to see the application for credit or request for business. I demand see the purpose, and written contract, and proof that I applied for these accounts?? I am a victim of Fraud and I am protecting my credit file as much as I can.
Product: Debt collection

IHi my name is XXXX XXXX and this is the third time that DIVERSIFIED CONSULTANTS has ruined my credit report by reporting fraudulent balances that are not mine nor did I authorize I have told this company several times and provided them with a police report amongst other documentation but they continue to report fraudulently to credit bureaus. They are now reporting to XXXX XXXX  and XXXX I want this removed off my credit report at once as it does not belong to me and is fraud. I am a victim of identity theft and this whole thing is causing a tremendous amount of stress on me as I am XXXX. Please make these people remove this fraudulent charge and stop them from harassing me please.
Product: Credit reporting or other personal consumer reports

I have disputed this account on several occasions. However it is still reporting as a resolved dispute and verified account. The credit reporting agencies are reporting inaccuracies. This account is a violation of my federally protected consumer rights. I looked on my XXXX credit report and noticed some things not accurate. According to the Fair Credit Reporting Act. I have requested verification of information obtain to list alleged account as verified. According to 15 USC1681 s-2 they are suppose to do this. After any information disputed by a consumer the consumer reporting agency shall promptly delete the item of information from the file of the consumer or modify items as appropriate based on results of investigation. No information was provided by agency to verify results of investigation as requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I attempted to place a security freeze on my SageStream credit file and made two more requests via fax. I also attempted to call. On all 4 occasions, SageStream refused to place the freeze on my credit report or file with their company. Documents provided included drivers license, social security card, and a recent paystub. 

On XX/XX/2021, I received a letter from SageStream refusing to place the freeze, claiming that the documents submitted were insufficient, even though their website indicates the submitted documents were sufficient. 

Attached to this complaint as well is my response with the additional requested documents. This request was sent on XX/XX/2021 via fax to XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, 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. 

Account name : XXXX XXXX, Account # XXXX has violated my rights. 
Account name : XXXX co drs, Account # 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 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: Money transfer, virtual currency, or money service

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

On XXXX, did a Money Transfer in the Amount of {$100.00} via XOOM to a Friend in XXXX for Pick-Up in Person at the Bank Teller Window. ( XXXX Transaction XXXX ) Due to Covid Pandemic, Friend never picked- up the Money because of Covid infection fears Thus, on XXXX, Xoom canceled the Transaction and notifed me via email ( attached ) that the Transaction was null & void and that no Money was debited. 

However, a Debit of - {$100.00} was processed by XXXX on XXXX, as shown on XXXX XXXX  Statement ( attached ) Item # XXXX. 

XX/XX/17 DEBIT FOR XXXX.COM XXXX XXXX CO XXXX {$100.00} XXXX Xoom has twice stated ( see two emails attached ) that no Refund was due because the Amount was not Debited. This is incorrect as shown in attached XXXX Statement. 

I filed a Dispute in Person with the help of the XXXX XXXX XXXX  Officers. After several weeks of " investigation '', all the XXXX XXXX Bank stated was that the Transaction was Authorized and thus no Credit was due. 

This is Theft. Either Xoom or XXXX XXXX Bank is holding the {$100.00} Dollars and refuses to return the Money. 

Please force whomever is holding my money to return it promptly as I desperately need it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Surge Card from Continental Finance and as usual I made a minimum payment due ( {$28.00} ) like I always do every month and they couldnt process the payment 3 times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) and my payment wasnt posted on the account which resulted in late payments on my credit report. Honestly I thought that my payments were going through and one day while checking my credit report, I noticed that they reported me late 3 times on payments and I even called them many times and stated the problem which was due to their system and they told me they couldnt help me with it. I always made the payments on time but it was some problem on their system and I am the one whose credit report shows 3 late payments. I even called in today and they said theres nothing they could do and they want me to dispute to the credit bureaus instead!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX unlawfully debited my unemployment funds to cover its banking fees, leaving my account with a negative balance and forcing my XXXX XXXX XXXX checking and saving accounts to close. I contacted XXXX XXXX XXXX XXXX in person and via email on multiple occasions regarding the fact that I was unemployed and did not owe any taxes to XXXX XXXX. However, XXXX XXXX XXXX XXXX took a total of XXXX in fees from my account, unlawfully taking the monies from my unemployment compensation funds and forcing my checking and savings accounts closed due to the insufficient funds resulting from the unlawful fees charged to my unemployment funds. 

XXXX XXXX XXXX XXXX increased the negative amount in my savings account, which XXXX XXXX refuses to close, and forwarded my account to collections. This led to my XXXX XXXX dropping exponentially and the lowered negative score having negatively impacted my job search.
Product: Student loan

I tried contacting my servicer, Mohela, multiple times throughout the week of XXXX to XXXX, 2025 about when I can expect my loans to be discharged and payments refunded as stated and confirmed by The Department of Education to take effect. I was unable to reach anyone or obtain any information on the matter, with phonecalls placing me on hold from anywhere between 2-4 hours.
Product: Checking or savings account

I took a picture of a check an they said it would not go though because picture was not clear so I then went to a nere by bank an cashed my check then because they messed up it went through after already cashing check at the bank so I got paid twice but thats not my fault there computer messed up
Product: Debt collection

There is an account which is past the statute of limitations, several validation request have been submitted with nothing received. Please help assist me
Product: Checking or savings account

It 's XX/XX/XXXX, and i worked an six hour shift in XX/XX/XXXX and it said i made {$XXXX} i make {$XXXX} an hour there is no way i only made {$XXXX} out of six hours and my bank info is wrong.