23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

Searching for information to see if I am apart of Wells Fargo Bank settlement.
Product: Mortgage

Hello, Complaint XXXX has not been resolved and situation has become worse. XXXX taxes now 3 months delinquent. 

Previous complaint was that taxes due on XX/XX/XXXX were not paid out by my mortgage company. As of XX/XX/XXXX they have still not been paid. 

In XXXX, PHH mortgage accepted an electronic payment on my account but did not " apply '' it. So I then saw in XXXX that they had my account as 33 days overdue and my auto payment had been turned off. 

On XX/XX/XXXX, I spoke to PHH and was told the XXXX payment would be applied in a few days but that I would need to do a one time payment for my XXXX mortgage. As directed by XXXX, on XX/XX/XXXX, I did a one time payment on the phone with XXXX. 

Today, XX/XX/XXXX, I see a payment deduction from XX/XX/XXXX of {$1600.00} AND on XX/XX/XXXX a payment deduction of {$1700.00}. My mortgage payment has been deducted now twice. HOW MANY PEOPLE CAN AFFORD THESE KIND OF MISTAKES? 

FYI : My taxes due in XX/XX/XXXX, were paid 4 months late. 

I am desperate for some help with the poor service and record keeping of a company that gets business from XXXX XXXX. PLEASE HELP ME thank you XXXX XXXX
Product: Credit card or prepaid card

I filed a CFPB Case XXXX | Capital One Case : XXXX. 

Capital One one is playing a game, they are still charging me for the fraudulent charges on my account. They also have left a number to call which I have called over 27 times now with no response. 

XXXX-XXXX  is the agent handling my case. I have been calling from ( XXXX ) XXXX and she never picks up the phone or responds to any of my messages. 

Capital One is refusing to help me with these fraudulent charges and their billing department calls me everyday to tell me to pay for these fraudulent charges!
Product: Payday loan, title loan, or personal loan

My personal Information is being shared through the dark web in many different ways. My dob, ss #, old address, phone, old bank info, and my email. I have aggressively attached from information from 10 years ago. I've worked so hard for weeks to track down many different sources. Cash Net USA has an account on me from 10 years ago. They told me they sold my information to XXXX XXXX XXXX who then sold it to XXXX XXXX who told me it's on a " shelf ''. A few weeks ago XXXX XXXX XXXX  contact me about a loan in my name which I did not request. I had to file a police report # XXXX. I have been getting fraud calls up to 20 a day. a company called me from NY called XXXX XXXX XXXX. XXXX XXXX XXXX XXXX NY XXXX. Registered with the sate of NY as a business. Very NASTY! Had all of my info from Cash Net USA. Demanding my debit card for payment. XXXX XXXX XXXX XXXX has just emailed me the loan that was summited in my name with old info that I NEVER filled out after I sent them a copy of my police report. I'm so terrified. I have purchased prime life lock protection.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Request to Remove Inaccurate Credit Information To whom it may concern : Upon reviewing my credit report, I have identified the following item ( s ) that contain inaccuracies : The following personal information is incorrect NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act, I hereby demand that you investigate these items and remove them from my report. I understand that you are required to verify these items with the relevant creditor. Any information that the creditor can not verify should be promptly removed. I am aware that, In accordance with the Fair Credit Reporting Act XXXX 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. 



Thank you for your attention to this matter. 

Yours sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it my concern, I have several inaccurate names on my credit file the do not belong to me and need to be corrected. My name is XXXX XXXX XXXX please delete remove any and ALL variations abbreviations or likeness to my name. 
I need the following fraudulent address removed from my credit report. they are not accurate. 
XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, OH XXXX XXXX- XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX , OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX  XXXX XXXX , VA XXXX XXXX XXXX XXXX XXXX , OK XXXX
Product: Credit reporting or other personal consumer reports

FCRA Violations Not mine Not my cc XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. {$5800.00} written off. 
never late XXXX XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXXXXXX  Balance - Status Transferred, closed. 
never lived here XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Resident type Single family XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX type Single family
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, I filed a complaint with the CFPB about the lender for my car loan not reporting my information correctly. I had also filed numerous disputes with each Credit Bureau and filed a complain with the CFPB about the incorrect reporting on my credit report, and the problem has not been fixed. I think the problem lies with XXXX XXXX XXXX ( my auto loan lender ), as they are continuing to report incorrect information. I have tried several times on more than one occasion to work with my lender to ask them to update my credit report, and they have either not responded to me at all nor have they reported my information correctly after numerous disputes with the credit agencies and working directly with them. I have proof that the lender is reporting incorrectly, which I have provided to the credit agencies as well. If this does not change, I will be taking legal action because what they are doing is causing undue financial hardship and causing me to lose future opportunities. What they are doing is illegal.
Product: Debt collection

You are in violation of the following subsections of the FCRA ( Fair Credit Reporting Act ) 15 USC 1681. Before I proceed I would like to make it clear to your company, and those in positions of Authority at your company that congress makes it clear that the banking system is dependent upon my consumer reports being fair, and accurate to me. Pursuant to 15 USC 1681 ( a ) ( 1 ). Pursuant to 15 USC 1681 ( a ) ( 2 ) congress made it clear that you are an elaborate mechanism with no real standing, or authority. Pursuant to 15 USC 1681 ( a ) ( 3 ) you were not given this role. You assumed this vital role, and because of your assumption you have negatively affected my life, and those around me causing me severe hardship, XXXX XXXX XXXX XXXXXXXX. I have been unable to get a job or access credit cards because of you assuming this role. You are in violation of 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) if this was a factual transaction ( which you wouldnt know because you were not there ) it would in fact be a transaction that solely took place between me and the person who allegedly made this report. So pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) it should be excluded from my consumer report. 
THE COMPANY TRANSWORLD SYSTEMS INC, PURCHASED A DEBT FROM ANOTHER COMPANY AND I HAD NO INVOLVEMENT WITH THE TRANSACTION. ACCORDING TO 15 USC 3002 i AM A NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS IS NOT ME. MY NAME IS XXXX XXXX. 15 USC 1692 ( A ) ( 1 ) The term " Bureau '' means the Bureau of Consumer Financial Protection, XXXX, XXXX, XXXX, and XXXX are assumed to be credit Bureaus and their is only one Bureau and that is the Consumer Financial Bureau. On XX/XX/1933, Congress enacted HJR-192 which is Public Law 73-10 to suspend the gold standard and to abrogate the gold clause. This resolution declared that " Whereas the holding or dealing in gold affect the public interest, and are therefore subject to proper regulation and restriction ; and whereas the exiting emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency... are inconsistent with the declared policy of congress ... in the payment of debts. This resolution declared that any obligation requiring " payment in gold or a particular kind of coin or currency, or in an amount in money, policy ; and ... Every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts. 15 USC 1681 ( 3 ) ( E ) ( e ) The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characterstics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or whom may have knowledge concerning any such terms of information.
Product: Money transfer, virtual currency, or money service

Everything in regards to this matter is attached to the documentation below.
Product: Credit reporting or other personal consumer reports

I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/ Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 

Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes. 
Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed. 
Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract. 
Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.
Product: Payday loan, title loan, personal loan, or advance loan

My identity was stolen. Along with my phone and wallet. All my social medias and bank accounts was hacked. I have no knowledge of these loans or accounts..
Product: Credit reporting or other personal consumer reports

I recently received and review my credit report and noticed that it have fraudulent activity on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXXXXXX XXXXXXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Prepaid card

Unable to use this gift card for any online purchases. Tried on XXXX XXXX XXXX XXXX XXXXXXXX. 

All transactions come back and say that the transaction was denied by issuing bank. 

Gift card amount is XXXX
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be investigated/updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I am filing a complaint against XXXX XXXX Card regarding their failure to properly validate and verify an account listed on my credit report. This complaint pertains to violations of my rights under the Fair Credit Reporting Act ( FCRA ). XXXX XXXX has failed to provide adequate validation and verification of the debt they are attempting to collect. Despite my formal request, they did not supply sufficient documentation to substantiate the legitimacy of the debt. This failure to validate and verify the account constitutes a violation of my rights under the FCRA. 
XXXX XXXX XXXX XXXX XXXX : {$980.00}
Product: Money transfer, virtual currency, or money service

On XXXX I contacted the company in regards to not getting into my account. The original reason why I couldnt get on was due to me having an unrecognized device as my cell phone had water damage on the screen. Once that was resolved, they had. the company in regards to not getting into my account. The original reason why I couldnt get in was due to me having an unrecognized device as my cell phone had water damage on the screen. Once that was resolved, they had a technical error that locked me out of my account. They couldnt explain why it did it or how, and they havent given me answers on when it would be resolved, when Ill have access to the funds, etc. I asked to close my account and transfer it into a new one or transfer to my bank they said no. They havent given me no answers, and no timeline. It has been seven days. I told them that this is causing me extreme stress due to the fact I have to feed my kids and thats all the money I have. My storage unit is locked out because I cant pay the bill due to me not having access to my funds. They have came up with no solution to help me and have avoided any contact of telling me anything other than Im sorry.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously mailed the attached letter below on XX/XX/XXXX and have yet to see any changes made to my credit file. Please review the attached letter I am providing which is pursuant to 15 U.S. Code 1692a ( 3 ) consumer means any natural person obligated or allegedly obligated to pay any debt. Also pursuant to 15 U.S. Code 1681c-2 Block of information resulting from identity theft.
Product: Credit card or prepaid card

I have bought jewelry from XXXX on XXXX XXXX and I paid with my PayPal account and then I cancelled the order so XXXX refunded me the whole amount of XXXX dollars but PayPal is not releasing the refund and is holding the money for NO reason. I contacted PayPal and I was told the refunded money will be the n hold for 30 days before they release it and refund it back to my credit card and that is Fraud and stealing and unethical and shady business practice. Why is PayPal holding a refund that I received from the seller goldsilver.com. When I get a refund it takes 3 business days for me to receive it back to my credit card and NOT 30 days like PayPal is claiming. They are holding my refunded money for 30 days. This is clearly FRAUD and unethical and shady business practices. What is the reason for them to hold my refunded money for 30 days. Money is clears by the bank in 3 days and NOT 30 days so they should release that refund of XXXX dollars and refunded back to my credit card immediately NOW and NOT after 30 days
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised and now I'm seeking help from the major credit bureaus demanding that they block the following accounts from my credit files inwhich are not mines. Please remove these accounts. 

1 ) XXXX XXXX {$580.00} 2 ) XXXX XXXX XXXX XXXX {$440.00} 3 ) XXXX XXXX XXXX {$1400.00} 4 ) XXXX XXXX {$7400.00} 5 ) XXXX XXXX  {$1500.00} 6 ) XXXX XXXX  {$1400.00} 7 ) XXXX  XXXX {$680.00} 8 ) XXXX XXXX XXXX 9 ) XXXX XXXX 20 ) XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has not risen my credit score even though it shows the exact same reporting as XXXX  and XXXX XXXX. Both XXXX  and XXXX XXXX have me at XXXX and Experian remains at XXXX, even though the reporting is exactly the same and I have fixed all my delinquencies in the last 120 days. Experian is saying that their systems automatic and they dont know how to change the number even though they acknowledge that the reporting is identical and something is wrong. Please help me, Im trying to refinance and save my house and they are stopping me by not fixing their system.
Product: Credit card or prepaid card

A Chase card has been opened in my name but the problem is that I never opened it. There is an address on my credit report that I have never lived at. I have sent a letter to Chase card to this effect. I would like this to be resolved as soon as possible to prevent further damage to my credit history.
Product: Checking or savings account

Company promised a {$75.00} promo for getting direct deposit over {$500.00}. I got a direct employer deposit of {$500.00} on XX/XX/2020 yet the promo did not credit as promised.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a 30-day late payment status on my mortgage account listed on my credit report, called XXXX XXXX XXXX XXXX XXXX which date was opened on XX/XX/2018. I have disputed this account with Experian and they have not removed/updated this account to reflect a " never late ' payment status from my credit report and Experian and XXXX XXXX XXXX XXXX is violating the fair credit reporting act by reporting inaccurate information on my credit report. Please remove this 30-Day Late Payment from my mortgage account immediately and if it is not removed, then I will be filing a lawsuit against Experian and XXXX XXXX XXXX XXXX for not removing this inaccurate late payment status from my credit report. I have attached a copy of a letter which I received from the creditor, which I already reported to the credit bureaus already. In the letter they stated that this 30-Day Late Payment Indicator is an error on their end and for the credit bureau to update the record to show pays as agreed and a never late status. Therefore, I have attached it to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing Fraudulent Information on my credit report since XX/XX/XXXX requesting that the Credit Bureaus remove the disputed items completeky from my Credit Report. I have been waiting for their response but up until now, I haven't gotten anything from them. I immediately sent another letter dated XX/XX/XXXX to follow up the previous letters I have been send. Regardless of the previous written request, the unverified items listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX, and Equifax Credit Bureaus failed to comply with the Fair Credit Reporting Act section 605b and continued reporting the disputed items without proper verification within the time declared by law, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. I am requesting that the disputed information to be reviewed for completeness and accuracy and appropriateness. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

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

There are inaccurate items reporting on my credit and I contacted these companies over 90 days ago about it and nothing has been resolved ... ..
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

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

I am writing to dispute the following information in my file. 

Two XXXX XXXX accounts with the same account numbers XXXX are reporting inaccurately on my credit report with XXXX  different open dates, and credit limits. Duplicating account information like this is a violation of the Fair Debt Collection Practices Act or the Fair Credit Reporting Act. 

Please investigate this matter and delete as soon as possible. 

Thank you.