23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

My XXXX XXXX XXXX XXXX was hacked. On XX/XX/2023, I received multiple emailsregarding payment transfers from XXXX XXXX totaling to {$1400.00}. Right away, Icalled XXXX XXXX and reported it but while i'm on the call, the transfers were stillhappening. And then it stopped when my bank ran out of money. The claim was filedthen they told me to call Wells Fargo ( My Bank ) to dispute it there as well. I did it andthey said they will dispute it. And then recently I just received a letter datedXXXX  saying that they are closing the case and they said they lost it and theywill not return my money. I've been calling them both ( XXXX XXXX and WellsFargo ) but they keep on telling me they can't do anything. I'm losing hope now. Itsbig money and it affects me and my family a lot.
Product: Mortgage

I was on Bank of America website last week to make a payment to my mortgage account. 
The website was having issues, I was not able to submit a payment. 
I made a complaint via the on-line message center, I never received a response from BOA. I went back into BOA yesterday to try the payment again, there was NO mortgage listed there at all. 
I called BOA, they said the Sold my mortgage to XXXX XXXX XXXX XXXX which is a total SCAM company. I do NOT want my Mortgage sold, I like having my mortgage account with Bank of America. I have several accounts with them. This is extremely distressful and all I want is for Bank of America to NOT sell my mortgage to anyone. 
The worst part is I already, previously had this mortgage with a Scam Company before it was with BOA, it was COUNTRYWIDE MTG. 
I do not need another Scam company handling my Mortgage! Please help! 
Thanks, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX XXXX that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com.
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute letter for the XXXX XXXX XXXXXXXX account on XX/XX/2023. I have just checked my credit report and I see that the account is not marked as disputed. This is a violation to have misleading information and inaccurate information about the consumer. I have also asked for this account to be updated. There are still several sections that is not reporting accurately.

According to the Fair Credit Reporting Act- A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section ; 15 U.S. Code 1692e False or misleading representations ; Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

According to the Fair Credit Reporting Act - Every consumer reporting agency shall maintain reasonable procedures designed
to avoid violations of section 1681b and to limit the furnishing of consumer reports. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Also, the XXXX XXXX XXXX account number is not reporting the same for all 3 credit bureaus. These violations have caused damages in my familys life. I would like for this entire account to be deleted. 
Here is my account information to us during the investigation into this matter. 

XXXX Account Name : XXXX XXXX XXXXXXXX Account number : XXXX Reason : inaccurate information and failure to update Equifax Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Reason : Inaccurate information failure to update and account number is not same. 

XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Reason : Inaccurate information failure to update and account number is not same.
Product: Credit card or prepaid card

I purchased an item online that turned out to be a scam. The amount is {$110.00}. I originally contacted my bank, but they relied on the information from PayPal and deducted the amount from my account. I never received this merchandise and PayPal has refused to refund my money even though this is a fraudulent company. This fraudulent company has sent a stolen tracking number to PayPal to show that something was shipped and delivered to my address. It was a tracking number assigned to another person who purchased an item from XXXX. My purchase was not from XXXX. It was from a group calling themselves " XXXX XXXX XXXX XXXX XXXX ''. No one responded to my email, nor is there an address or phone number for this company. I have contacted PayPal via phone and text. Either way, they would not respond to my call or text. They originally said on my first call that they couldn't do anything because XXXXXXXX XXXX  was working on it. They are no longer have anything to do with it. They charged my card back for {$110.00}.
Product: Credit reporting or other personal consumer reports

Hello, I have called over 20 times since last year to request access to my credit report, but each time, I have been refused access to my personal credit account. Despite verifying my identity over the phone, I have received numerous excuses such as promises that someone will call me back, claims that the system is down, statements that no supervisor is available, or even being abruptly hung up on. 

As an American citizen, I have the right to access my credit report to monitor it, freeze or unfreeze my account, and ensure its accuracy. I kindly request immediate access to my personal credit account as per my rights. 

Here is the error I get every time I try and log in to access my account Oops, we're sorry! 
Call us toll-free at XXXX Hours of operation : Mon - Fri : XX/XX/XXXXXXXX Sat - Sun : XX/XX/XXXX
Product: Mortgage

I own a condominium with a mortgage from Wells Fargo. I have been uploading my insurance certificate repeatedly to their website at XXXX for several months, faxing the info to the number I was given, and have made two telephone calls to them. Yet I keep getting notices saying that they do not have my current insurance information. Now i just received notice that they have purchased insurance for me, despite my already having insurance. No matter what I do I ca n't seem to get this resolved, and if feels like they just want to charge me for insurance. It 's very frustrating because I 've wasted a lot of time trying to fix this. My insurance agent has confirmed that Wells Fargo has all of the property information and that my own coverage is in place. Wells Fargo is not easy to work with.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX balance {$13000.00} XXXX XXXX XXXX balance {$2200.00} XXXX XXXX XXXX XXXX balance {$75.00} XXXX XXXX XXXX XXXX XXXX Balance {$200.00} XXXX XXXX XXXX XXXX Balance {$1200.00} XXXX XXXX XXXX XXXX balance {$1900.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft DEPT OF EDUCATION/NELN Account Number : XXXX This is not mine. 

2. Identity Theft DEPT OF EDUCATION/NELN Account Number : XXXX This is not mine. 

3. Identity Theft M & T BANK Account Number : XXXX This is not mine. 

4. Identity Theft XXXX  Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a validation of debt/Hipaa authorization letter asking Medical Data systems to provide a breakdown of fees, a copy of my signature with the provider of service to release my information and to cease from reporting till validated by me.They failed to respond.XXXX deleted and stop reporting.The other two agencies are still reporting.
Product: Checking or savings account

On XX/XX/XXXX I mailed out XXXX checks in XXXX envelope. 
XXXX of the XXXX checks were stolen, washed and altered paid out to unknown people for {$2000.00} each. I saw my account had a negative checking status and I didn't understand. 

The checks were mobile deposit to an institution named XXXX. I had to XXXX to find out that it was a virtual bank. No one at Provident saw it important to do it. 
I went to Provident bank to file a fraudulent activity and forgery affidavit for both checks, asked to change my account and put a hold on withdrawals, as there was still a check missing from the XXXX mailed out. I went to the police to have a report claimed. 
I provided Provident with proof of the original checks and the forgery ones. 
Clearly the signatures were different, and then I didn't have enough funds, and the overdraft I had was not enough to cover the XXXX check of {$2000.00} but it was paid. 

I had to repeatedly go and find out the status of this robbery. Then on XX/XX/XXXX I was told that it would take XXXX months or more to get this resolved. I insisted they need to give me temporary credit back since the account was over drafted and I was sent letters that threaten if I didn't have funds back into the account I would be sent to collections. I received letters charging me fees. 
I know these letters are automated but it's a big bank that should have communication across the board. 
I finally was approved by a supervisor to allow the XXXX at my branch to give my temporary credit for {$2000.00} on XX/XX/XXXX. I was told it was a courtesy. I'd like to see the policy on that. 
I felt that Provident is too busy with their merger with XXXX bank that they didn't care about these things happening simultaneously.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I have provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Payday loan, title loan, or personal loan

I didn't know I had a balance. My family who I have zero contact for years ... 10 to 15 years were contacted and said they were given quite a bit of info about me and that I could go to jail.
Product: Student loan

First off as usual another government XXXX up. There are no categories for what happens. I DO NOT have a student loan yet they call 3 times a week at all hours. This time it was from XXXX. Of course the do not call page doesn't work and I doubt this will help either but go ahead and surprise me. I bet if I threatened some politician I'd get immediate attention but I'm not. I'm begging you to stop these calls. Trace this number, I know you can and lock them all up for harassment. I 's gladly fly to California to testify.
Product: Credit reporting or other personal consumer reports

According to the federal credit reporting act everything on my consumer report has to be 100 % accurate. I am informing EXPERIAN and XXXX. You are reporting incorrect information on my consumer report. Related to ( XXXX XXXX XXXX ; XXXX ) FCRA XXXX I am entitled to a 100 % report if not it should be deleted. Please re investigate this account and send me proof providing the names and addresses of who you spoke with to prove this account. In addition, I never received a letter from this creditor stating the amount the car was sold for at auction. Also the amount owed should be different after auction sale. Therefore, please state everything you are reporting is accurate. If you can not provide me with this information delete this account or conpensate me for the losses this account is causing me. Also this account is extending the statue of limitations after a CO.
Product: Debt collection

I initially disputed this account XXXX/XXXX/XXXX with XXXX via XXXX. After the file was investigated it was confirmed that the account was activated at my property XXXX year prior to me buying it. I have proof that I closed on the house XXXX/XXXX/XXXX. XXXX should not report this on my credit report. 

This is a excerpt of the letter I received from XXXX. 

We have investigated your complaint and found our client, XXXX, listed the above-referenced account in our office on XXXX/XXXX/XXXX to collect on their behalf. The account was activated at an XXXX XXXX XXXX address on XXXX/XXXX/XXXX and disconnected on XXXX/XXXX/XXXX. The last payment was received on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, any negative reporting XXXX made to the credit bureaus was marked for removal as a dispute. 

It appears your dispute regarding the account is with our client. We have closed and returned the account to XXXX, as well as forwarded a copy of your complaint and our response. Any further information or questions regarding the account will need to be addressed to XXXX. 

XXXXAs of XXXX/XXXX/XXXX XXXX is reporting this same account on my credit report again through Enhanced Recovery. Please help put a stop to this.
Product: Credit reporting or other personal consumer reports

Forever 21 inccorecntly reported a charge to my credit report even though I paid off the account before calling to have them close the account. It got sent to collections, paid it in full and Forever 21 will not remove it even though they were at fault. I called them after the account was paid in full, they advised me to reach out to the bureaus to have deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing XXXX XXXX with Equifax, XXXX, and XXXX  since XX/XX/2021. XXXX is paid off, but these three credit bureaus have the wrong information reporting with a violations against my FCRA rights. Incorrect balance, balance is paid off but its reporting derogatory account. It also reporting the wrong XXXX 


I spoke with a representative at XXXX XXXX and they advise me that they sent everything to the credit bureaus for them to update. 

I will attach the documents from XXXX and my letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

Every time I try to file a credit dispute on-line with the major credit reporting agencies system prevents me from doing so. For example when I click SUBMIT on Transunion 's website, I get an error message telling me the system is temporally down and to try again in a few minutes. I know the system is working because I was able to dispute an old address and telephone number. Further, there is no way the system would be down to 2-weeks and it would have been all over the news. Millions of consumers would have reported that the system has been down for over two-weeks. However, when I try to dispute items from XXXX, XXXX XXXX, various other banks and XXXX XXXX Transunion will not let me. I have been trying to dispute these items over 30 times over a 2 week period. I feel like someone is deliberately blocking my attempts to dispute these items. The supporting documents are uploaded successfully, however, the system would not SUBMIT it. Transunion has suspended my account two times in an effort to block me from filing disputes again the banks and XXXX XXXX. In addition XXXX is a third party vendor used by most credit reporting agencies as anyone can see no judgment have been reported by XXXX. This means all of the attorney fees, title fees, property inspection fees, foreclosure fees, court fees, etc. could not have been added to my alleged mortgage. These fees were commingled with the alleged mortgage making it void with legal effect. 

The file entitled credit letter II is the file that I want to use to as the supporting document to dispute the foregoing. The other attached documents as being used to further support my dispute.
Product: Debt collection

Capital One Auto Finance stated that I was 30-39 days late on the last car payment on my car in 2010, however they have failed to provide me a method of payment I used such as a check, moneyorder, and etc with the date they said I was 39 days late making the car payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I was declined for a loan due to inaccurate information in my TransUnion credit bureau. In addition to reporting my FICO score as XXXX, the reasons for decline indicate no revolving accounts, not enough balance decreases on non-mortgage accounts, too few payments over 3 months, and no real estate-secured loans. This follows my prior complaint to XXXX where inexplicably my credit bureau information with them was basically erased, and my XXXX score declined from XXXX, in about XX/XX/2022. I have credit card trades spanning 25+ years, mortgages, clean payment history on all, etc., and this compares with XXXX showing my score at XXXX. 

I have complained to XXXX about this inaccurate information before, several times, without ANYTHING approaching an investigation or reasonable explanation. XXXX has apparently refused to investigate the INVALID source of information which caused my bureau to change so dramatically, nor process by which the change occurred, such that I can not dispute that effectively. All I have received from XXXX is a form letter providing me the ability to request bureau information if I provide documentation of identity. This is clearly not the nature of my dispute and evidences XXXX XXXX  complete lack of willingness to read and understand the nature of my dispute. 

XXXX XXXX action has now caused me financial harm and I am considering additional remediative measures.
Product: Credit reporting

I disputed the following XXXX accounts below with the CFPB because I did not feel that the late payments were accurate and not verified properly. 

Account Number : XXXX Negative Information Being Reported : 120 days past due XXXX, XXXX, 150 days XXXX, 180 days XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Account Number : XXXX Negative Information Being Reported : 120 days past due XXXX, XXXX, 150 days XXXX, 180 days XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Account Number : XXXX Negative Information Being Reported : 120 days past due XXXX, XXXX, 150 days XXXX, 180 days XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Account Number : XXXX Negative Information Being Reported : 120 days past due XXXX, XXXX, 150 days XXXX, 180 days XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Account Number : XXXX Negative Information Being Reported : 120 days past due XXXX, XXXX, 150 days XXXX, 180 days XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Account Number : XXXX Negative Information Being Reported : 120 days past due XXXX, XXXX, 150 days XXXX, 180 days XXXX, XXXX, XXXX, XXXX, XXXX, XXXX After looking at my credit report, I noticed that the date updated for these accounts are all XX/XX/XXXX even thought I disputed these accounts again on XX/XX/XXXX and it was never updated. This just leads me to believe an investigation was never done which is a violation of the Fair Credit Reporting Act. Also, they never marked these accounts as being in dispute.
Product: Checking or savings account

I have had problems with my pre-paid debit card issued by bank of america for my Nevada unemployment insurance in which I had reported fraudulent chargers. Banknof america sent me a new card, upon activation of said new card I receive a message stating that the card had been closed. I have spent weeks trying to resolve the issue, I have called unemployment numerous of times to resolve the identity verification issues I have submitted all the requested documents which were to include birth certificate, a photo of my government issued driver 's license front and back a piece of mail with my current address listed on said mail piece. I have been waiting over 30 day to have my account re-opened, I have submitted the re-opening account form that multiple bank of america XXXX have filled out on my behalf and have submitted and as of today XX/XX/2021 I was able to see and view my money in my bank of america mobile app but after I got done speaking to a banker or representative who was very rude and I had stated that the bank had to release my money, the money that is on my account. That if I walk into a local branch with my verifying documents as to who I am such as birth certificate drivers license that my lawyer says the bank by law can not withhold my money that's in a closednaccount and must at once release any hold of my funds and hand me.the cash that was in the account at the time the account was closed. I just got off the phone with another representative and was told good luck they are not going to give me any money. The bank of america is taking so long to unfreeze my account and have basically stole my money. I want my money and they can not just hold my money and keep it from me they closed the account and my funds must be released to me.
Product: Credit reporting

CREDITORS HAS WROTE TO ME FOR THE REMOVAL OF INQUIRES AND EXPERIAN HAS NOT REMOVED THEM AND ITS BEEN OVER 30 DAYS
Product: Credit reporting, credit repair services, or other personal consumer reports

I have included is in response to the ( 2 ) emails I received after I filled my credit dispute via certified mail. It appears that Experian is attempting to ignore my concern with the erroneous information I believe is being reported on my credit file associated with my social security number and other personal information. 
Let this letter serve as my cover letter of my consumer complaint in regards to the following issues I disputed on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please see Enclosed Identity Theft and Fraud Report/Police report.