23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I closed on my house in XXXX is 2019. I just tried to refinance to find out that they never paid the taxes I prepaid from my escrow account. I sent them the notice I received with late fees from the county tax collectors office. Still nothing has been done. Now they say they are working on it but dont know what happened.
Product: Mortgage

I am very dissatisfied with the results of my complaint. It was against Washington Mutual whose loans were assumed by Chase. I received an unsigned document that was written by someone who had not taken the time to understand the scam we were drawn into. I have responded and am sending the CFPB a copy and requesting a follow-up inquiry to assure someone at Chase takes the time to review and understand what happened to us.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair CreditXXXX & XXXX COMPA Opened XXXX {$220.00} XXXX XXXX LLC Opened XXXX {$730.00} XXXX CREDIT XXXX Opened XXXX {$1200.00} 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

I have contacted Portfolio recovery associates SEVERAL times as they have an ILLEGAL account under my social on my credit report. I am XXXX XXXX XXXX currently and this supposed credit card account was created when I was a MINOR and they have changed my date of birth to make me appear to be OLDER than what I am. I have sent them my identification as well as my HIGH SCOOL transcripts on numerous platforms including. I have told them several times to remove me from their system and delete the losing on my credit report damaging my credit and they have NOT done so still. What they did do what update the address on file to my actual address from the fake one they had after I contacted them. This is a direct violation of the law and they engaging in illegal practices. They have my DOB listed as XXXX or XXXX which is a lie. I was literally XXXX in high school and only XXXX now. 
I was a MINOR and its illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  for the following accounts : Account # XXXX, Account # XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX KY ), Account # XXXX XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ), Account # XXXXXXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX, Account # XXXX XXXX XXXX Account # XXXX XXXX  XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a 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: Credit reporting

Dear sir or madam : Experian states that my dispute should be reported to you at consumerfinance.gov. This is off of the report number XXXX for Experian. Original Creditor is XXXX. XXXX has reported to Experian that I continue to have a {$46000.00} balance with this hospital. The amount submitted to and approved and paid by XXXX did no exceed {$30000.00} from 2013 to now.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of 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 receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan

I went into Ace Cash Express on XXXX XXXX in XXXX on Saturday to obtain a payday loan, as I sometimes do when my child support is late. 
The rep there, XXXX, asked me how much I wanted to borrow. I told her that it all depended on when the loan would be due, as I get paid from my job on Thursday ( if a loan is paid during a certain period of time, no interest would be required ). She told me that - if I paid the loan by Thursday, I would n't have to pay any interest. I then told her, in that case, I would borrow {$200.00}. XXXX proceeded to complete the paperwork for the loan. 
After I was approved for the {$200.00} and I signed all of the loan documents, XXXX then said to me, " Oh, you 'll have to pay it back by Wednesday, not Thursday ''. I asked her how much I would have to pay in interest and she stated {$47.00}. I told her ( since the initial information she gave me was WRONG ), that I then only wanted to borrow {$100.00} ( because I certainly do n't want to pay {$47.00} for such a short period of time ). She then snapped, " Now I 'm gon na have to do all this paperwork all over again! '' I told her, " Well, YOU gave me the wrong information about WHEN it would be due! '' She then said, " Well, I thought you would already KNOW since you come in all the time! '' So, because I come in all of the time gives XXXX an excuse to assume that the consumer should know more than SHE SHOULD?? 
So, after XXXX huffed and puffed and proceeded to process the {$100.00} loan, she said to me, " You were denied for the {$100.00} ''. I said, " What do you mean that I was 'denied ' when I was JUST approved for a {$200.00} loan? '' She said, " The computer denied you for the new amount ''. This was all due to XXXX 's error and her need to cancel the first ( approved, {$200.00} XXXX request. So, I had no choice but to leave with no loan - all because XXXX ca n't do her job correctly. She provided the wrong information, then appeared to be totally CLUELESS when the 'computer ' denied it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint to XXXX XXXX XXXX on XX/XX/30 certified receipt. It was received XXXX It wasnt my account XXXX  and XXXX  deleted account. However, equifax is still reporting not to mention no notice of dispute was documented Im requesting removal of account from my equifax report
Product: Credit reporting or other personal consumer reports

Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, please remove them as quickly as possible and send me a copy of my new, accurate credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

READ THIS DESCRIPTION THOROUGHLY : I have already sent all my information from my ID and bills through certified mail on XX/XX/2020 to all these 3 major credit bureaus. They can check my complaint then quickly within 1 day ( examples are below ) close my complaint case so quickly, but can not follow the FCRA law to verify the unverifiable, unauthorized, inaccurate, fraudulent negative accounts that are in my report. How are you ( XXXX, XXXX and XXXX ) as a company to look at my complaint so quickly, close my complaint so quickly, tell me MULTIPLE TIMES I need to send/mail my information you when I HAVE ALREADY SENT IT TO ALL 3 COMPANIES ( XXXX, XXXX, and XXXX ). This matter is completely UNACCEPTABLE! 
XXXX Company 's Response We applaud your recent efforts to take charge of your credit. We want you to know were on your side, and were here to help support you on your path toward credit health. We recently received a request that contained your information, but it didnt appear to have been communicated by you or a properly authorized third party. 

( How are you as a company to tell me to verify myself and NOT check the CERTIFIED MAIL in XX/XX/2020 I have sent to all 3 credit bureaus of my current drivers license and utility bill, violating my rights. In violation of the FCRA law!!! ) STATUS XXXX Company responded on XX/XX/2020 RESPONSE TYPE Closed with explanation Company 's Response Thank you for submitting your complaint on XX/XX/2020 through the CFPB Complaint Portal. We reviewed and considered the information you have supplied through the CFPB portal. Your CFPB complaint regarding your reinvestigation does not appear to have been sent directly by you or to be authorized by you.

Again! ( How are you as a company to tell me to verify myself and NOT check the CERTIFIED MAIL I have sent to all 3 credit bureaus of my current drivers license and utility bill in XX/XX/2020, violating my rights. In violation of the FCRA law!!! ) REMOVE ALL MY INACCURACIES OFF MY REPORT!
Product: Debt collection

Grain Technology located at XXXX XXXX XXXX XXXX XXXX XXXX, CA has reported a delinquent account and a new charge-off that has been furnished on my consumer report. Pursuant to 15 USC 1681a ( 2 ) a consumer report does not include any report containing information solely as to XXXX  or XXXX  between the consumer and the person making the report. Grain Technology is in violation of this constitutional rule by reporting the aforementioned allegations against me, thus leaving my consumer report vulnerable to negative adverse actions.
Product: Money transfer, virtual currency, or money service

On the morning of XX/XX/ I checked my bank account and noticed an unusually high amount of money missing from my XXXX savings account. When I logged into my account to investigate what had happened, I noticed that there were 2 separate unauthorized XXXX transactions taken out of my account by PayPal on XXXX XXXX XXXX. One transaction was for {$190.00} and the other transaction was for {$6900.00}, totaling {$7100.00}. Immediately upon noticing this, I called PayPal to report the incident and open a fraud case to get my money back. I was told by PayPal that they would be blocking the unauthorized transaction and returning the money to my account in 7-10 business days. After 7-10 business days, I called back on XX/XX/. I was then told that the case had been resolved and approved by PayPal and I just need to wait an additional 1-3 business days from the money to be posted in my bank account. On XXXX XXXX XXXX XXXX XXXX business days later ) I again called PayPal as I had not received any of my money that was taken from me. I was told that they would be opening a ticket to investigate the issue. I was also told they had no record of this transaction taking place even though I provided them with my bank account number and the evidence showing that it was taken out of my account without my authorization. I was also told that I would be receiving an email in 24-48 hours informing me on the status on my refund and was given a case number to use as reference if I needed to call back in the future. On XX/XX/ ( XXXX hours later ) I again called PayPal to inform them that I still had not received any money and also did not receive any email or communication regarding my case, refund or ticket. When I provided them with the case number they told me, they had no record of that case number and that no case had ever been open for this issue again contradicting what they had told me when I previously called about this issue. I was again told they would open a new ticket and email me in 3-5 business days with any updates. After 3-5 business days I received no information or communication so I again called back on Sunday XXXX XXXX XXXX and this time was told that they had scheduled the refund ; however, it was " unsuccessful. '' When I asked why it was unsuccessful, they did not answer my question and instead opened an escalation ticket to try to find the issue and I was told I would be notified in 24-48 hours on what had happened. To this day, I have not received 1 email from PayPal informing me on what the status of my refund is or when I will be receiving my refund. I have not been refunded any of the money that was stolen from my account and it has been over a month and a half since I first reported the issue and what had happened. Every time I have called PayPal I have waited on hold for sometimes an hour just to be told they have no record of anything happening even though I have receipts in my bank accounts proving it came from PayPal with the name of the person who took the money out of my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company let me kno that my info and social security number is attached to the account and for that reason it's my debt
Product: Credit card

I placed an order with XXXX XXXX using Citizen Pay store credit card on XX/XX/23 - Order Number : XXXX for a Total : {$1200.00}. It was for an XXXX XXXX XXXX and keyboard. I picked the item up and chose to return it the following day. I returned it to the store in XXXX, FL and have a return receipt showing a refund of XXXX : {$1200.00} ( XXXX cent less than the original purchase ). As of today XX/XX/23 the refund for this purchase has not posted to my Citizens Bank credit account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under ai open end consumer credit plan as late for Afrigk purpose.

485
Product: Money transfer, virtual currency, or money service

When moving out of an apartment, my wife and I sold some furniture items via XXXX, XXXX, and similar services. One individual contacted my wife about purchasing a rug. The rug was listed for {$75.00}. The buyer indicated that he would pay {$70.00} to hold the rug. We agreed to sell the rug to the buyer. The buyer sent my wife a check, but the buyer 's husband then called to say that his wife had mistakenly written the check for the {$1000.00} because it included XXXX intended for movers coming to pick up the rug. The buyer asked my wife to remit the {$930.00} to the moving company. 

On XX/XX/2020, my wife called Chase, explained the situation, and asked a Chase representative for confirmation about when it would be safe to proceed to make the payment the buyer was requesting. Chase told my wife that all she needed to do was wait for the amount of the deposited check to post to our checking account. Chase did not mention that the check would still be subject to review for fraud or insufficient funds for several days after the amount had posted as " cleared. '' Chase also did not instruct my wife to consult any other sources about the timing for checks to " finally '' clear. 

On XX/XX/2020, my wife did an online deposit of the buyer 's {$1000.00} check. On XX/XX/2020, the funds posted to our checking account as a cleared check. In reliance on Chase 's advice, my wife proceeded to pay the moving company {$930.00} using Chase 's XXXX XXXX XXXX XXXX service on XX/XX/2020. The buyer was supposed pick up the rug on XX/XX/2020, when the buyer did not, my wife refunded the buyer on XX/XX/2020 for the {$75.00} portion for the cost of the rug. On XX/XX/2020 -- XXXX days after the {$1000.00} check had posted to our account -- my wife and I were informed that the buyer 's check had been returned as fraudulent. As a result, my wife had been defrauded out of {$1000.00}. 

My wife and I promptly called Chase on the morning of XX/XX/2020 to discuss the situation. We explained that our issue was that Chase had made a representation to my wife about when she could safely proceed to use the funds from the buyer 's check, but had made no reference to the fact that the check was still subject to review after the funds had posted as cleared. After four hours of bouncing around Chase 's various customer service departments, Chase informed us that there was nothing they could do to recover the lost funds and that they would not accept any liability based on the incomplete information from my wife.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I have my FTC report number # XXXX. This company, XXXX XXXX XXXX, reported an account on my credit file that does NOT belong to me and I have tried to resolve the problem with them and they have not responded. attach proof of my report with FTC
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX ( XXXX ) XXXX XX/XX/XXXX Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute of Inaccurate Credit Report Information Violation of 15 U.S. Code 1681o To Whom It May Concern, I am formally disputing inaccurate and misleading information on my credit report, which Experian has failed to correct despite previous disputes. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681o, Experian is liable for negligent noncompliance with federal credit reporting laws. Your continued failure to investigate and correct these errors constitutes a violation of my rights. 
The following information on my credit report is inaccurate : Incorrect Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE SER XXXX XXXX XXXX XXXX Fraud Telephone Numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have enclosed copies of my previous dispute letters, supporting documentation, and a copy of my credit report with the inaccurate items highlighted. I request that you immediately investigate and correct these errors as required by law. 
Under 15 U.S. Code 1681o, if Experian continues to negligently maintain inaccurate information on my credit file, I have the right to seek damages, including actual damages and attorney fees. I urge you to resolve this matter promptly to avoid further legal consequences. 
l expect a written response confirming your investigation and any corrections made within 30 days of receiving this letter, as required by law. If Experian fails to take appropriate action, l will file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state 's Attorney General 's office. I may also pursue legal action to recover damages. 
Please confirm receipt of this dispute and provide written documentation of the steps you are taking to resolve these inaccuracies. You may contact me at the information provided above should you need further details. 
Sincerely, XXXX XXXX XXXX Enclosures : Copy of ID Copies of Utility bill Supporting documentation
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mn XXXX Re : Acct # XXXX To Whom It May Concern : This letter is regarding account # which you claim my account was charged off $ This is a formal notice that your claim is disputed.
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : my contract was canceled. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims.
Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Product: Credit reporting or other personal consumer reports

I came across the CFPB XXXX lawsuit. I feel I was negatively impacted by XXXX and EQUIFAX, hurting my chances at credit after receiving a response to my earlier dispute that the accounts were verified but I dont see any details on this investigation. Do you want to be fined too? Come with the receipts, or be quick to delete.
Product: Debt collection

On XX/XX/2023 I received a correspondence from attorneys Rubin & Rothman , LLC in an attempt to collect a debt. I was given until XX/XX/2023 to dispute the debt. On XX/XX/2023 I sent a response to Rubin & Rothman , LLC disputing the debt. I did not receive any further information or correspondence from the XXXX, let alone documentation proving that I owe the debt. Instead, Rubin & Rothman , LLC violated the FDCPA and opened a lawsuit against me on XX/XX/2023 in an attempt to collect a debt that was not verified. On XX/XX/2023, I called Rubin & Rothman , LLC requesting a copy of my original finance agreement with the Plaintiff to be mailed to me. I have copies of every written correspondence made between myself and Rubin & Rothman , LLC, and every correspondence created by me was sent via Traceable Mail, either Registered or Certified. Documentation is available upon request.