23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within XXXX  days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of XXXXXXXX XXXX. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Product: Money transfer, virtual currency, or money service

Hello, I sold my wedding dress on XXXX, a platform specifically for selling wedding dresses. All payments on XXXX are processed through PayPal. On XX/XX/year>, I sold my dress for {$1600.00}, but after the buyer received it, she was unhappy and requested a refund. According to the platform 's terms, the buyer isn't allowed to request a return/refund since it's a wedding dress. I explained this to her, but she began using abusive language and even threatened me, claiming her husband is a lawyer, pressuring me to provide my return address. So, I asked her to open a PayPal dispute and let PayPal decide. 

After submitting plenty of evidence, PayPal ruled in my favor on XX/XX/year>. However, ten days later, the buyer initiated a chargeback with her bank. Per XXXX 's terms, the buyer isn't allowed to file a chargeback with the bank, as both parties agree that PayPal 's decision is final. But now my case is under review again. 

During this time, I reached out to XXXX for help, and they told me they would ask the buyer to contact me within 48 hours, informing her that her actions were in violation of the agreement. If she didnt contact me, XXXX advised me to consider the dress as stolen. It's now been two months, the buyer hasn't reached out, and the PayPal case is still under review. Meanwhile, the dress is still with the buyer, and my PayPal account is in the negative, meaning Ive lost both my wedding dress and the money. 

A wedding should be a beautiful memory, but instead, Ive spent my honeymoon dealing with this issue. Its left me with a dark cloud over what shouldve been a joyous time. Please help me resolve this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Account, XXXX XXXX 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
Product: Credit reporting 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Us dept of education : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Section 2 it also states a consumer reporting agency can not furnish with my written instructions 15 U.S.C 1681c section 5 states no consumer reporting agency can make any consumer report containing any of the following items of information and other adverse information other than record of convictions and 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: Debt collection

Received a notice of commencement of action against me today XX/XX/XXXX this is the first I have heard from them. The case is from XXXX XXXX XXXX XXXX XXXX and the firm name is Forster & Garbus , LLp apparently they bought the debt from XXXX back on XX/XX/XXXX and now they are trying to take me to court. Is their anything that you can do for me .The amount is for {$2300.00} and was dated XX/XX/XXXX and today is XX/XX/XXXX and I'm just receiving this.
Product: Vehicle loan or lease

I am requesting a copy of my contract and any documents that I had to sign or initial.
Product: Checking or savings account

i have funds in my both savings accounts [ ... XXXX and ... XXXX ] and both accounts linked to Raisin [ XXXX insured banks & credit unions ] account for a year or so.Every time i need i had transfer funds to and from my XXXX accounts to XXXX, since XXXX want me move funds back from closed CD account to XXXX and then open another one from XXXX.Never had problems until XX/XX/year> when XXXX locked my accounts to " research '' .They made me call to XXXX 4 times but finally it was unlocked and i asked XXXX. XXXX to put in remarks '' XXXX is my account and never lock it again '' XXXX XXXX i had transfer funds from ... XXXX account to XXXX but it shows '' reversal '' status and my both accounts locked again.I tried chat with XXXX XXXX was told to call.Spent a hour yesterday on a phone, was moved from one XXXX rep to another and the last one was supervisor XXXX who said '' my phone [ XXXX ] is portal, when i asked what it is, he said when number moved from XXXX XXXX XXXX XXXX so they could not send to me text to verify it is me.They had sent it to me XXXX times before but not now.When i told him, my phone number is with XXXX XXXX years and never was from XXXX XXXX he said i must wait till they call to me to verify.Meanwhile i am loosing $ $ on interest.And why they would call but not text to my number i never change, why wait a week? This bank ove to me! % on interest i am loosing daily and XXXX i have with them.I am a XXXX person and have plenty to worry about than XXXX bank, s employees.Please help
Product: Debt collection

I was notified by XXXX that I had a collection from Diversified Consultants for XXXX for XXXX XXXX XXXX on XXXX XXXX. I contacted the company of Diversified, because XXXX provided their number. On a recorded call, I asked for them to send the letter of debt because I am disputing something I paid years ago. The Supervisor stated they did attempt to call me. I advised I did not receive a letter nor a call. I verified my address with them. She stated she would not send the letter if I was not going to pay the debt. Again, that was a recorded call on XXXX XXXX. I also phoned them on XX/XX/XXXX because they were listed under another name for same account on XXXX. On XXXX XXXX, I called XXXX with the information that was still on my credit report and them refusing to send the information. XXXX rep then stayed on the line as she called diversified for an attempt to gather the information not sent to me. Attached is the copy of the letter sent to arriving XXXX XXXX dated XXXX XXXX when XXXX asked them to send it to me. 
This should never have been on my credit reports. I asked for the documentation and they refused to send it. It is recorded as such. The payment, which is actually incorrect on the balance. First it stated XXXX then it was really XXXX and it was over XXXX when first billed. I split that payment in XXXX.
Product: Prepaid card

I reached out to the company asking why I could not use the gift card, I was told that nothing is wrong with the card and it is able to used anywhere online. There is not a single store online that the card could be used for. 

Every single store online declined the card.
Product: Credit reporting or other personal consumer reports

on XX/XX/XXXX i notice on my account that {$79000.00} was a balance, open on XX/XX/XXXX this is a fraudulent account this is not mine can you please remove this from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just check all three bureaus and realize that things are not bein update. I paid my bills on time and the bureaus have not updated in two months this is effecting my credit score and is not fair when im paying on time and it should be updated once a month if not more. I would them to update all my payment made on time for XXXX XXXX XXXX and XXXX XXXX XXXX
Product: Mortgage

Chase had reported my payments late to the various credit bureau reporting agencies, I disputed their reporting and then they reported I had filed bankruptcy and XXXX was owed on my account, which is incorrect because I have been making monthly payments. Their reporting has harmed me and I am unable to secure home insurance at an affordable due to their harm.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX XX/XX/year> Re : Account Number XXXX Dear Wells Fargo, I hope this letter finds you well. I am writing to request a goodwill adjustment for my Wells Fargo ( Account XXXX : XXXX ), which has been paid off in full.

Due to Covid-19 pandemic and the impact it had on the economy, I lost my job as I was laid-off by my company as it attempted to cut down on labor to withstand the pandemic losses and also during this period, I had a medical emergency as I was exposed to the virus and due to this, I experienced financial difficulties that resulted in missed payments on my account. I take full responsibility for these late payments and deeply regret any inconvenience they may have caused.

I am pleased to inform you that I have since paid off the account in full and have taken significant steps to manage my finances more effectively. This experience has been a valuable lesson, and I am committed to maintaining a positive credit history going forward.

I am currently in the process of preparing to purchase my first home, a significant milestone for me and my family. These late payments and eventual charge-off on my credit report are adversely affecting my credit score and my ability to secure a mortgage with favorable terms.

Given my efforts to rectify this situation, I kindly request that you consider removing the late payments and/or the charged-off status ( paid in full ) from my credit report as a goodwill gesture. This adjustment would greatly assist me in achieving my goal of homeownership and provide a fresh start as I move forward. 
For your reference, the account number used by the credit bureaus is XXXX. 
I sincerely appreciate your understanding and consideration of my request. 
Thank you for your time and attention to this matter. 
Sincerely, XXXX XXXX
Product: Debt collection

I initially registered online for XXXX XXXX XXXX on XX/XX/year>, after moving into a new apartment. I realized, however, that I was not able to receive XXXX XXXX in this building. I never received a router or modem from XXXX or accessed the Internet through their services, and I canceled my account. On XX/XX/year>, I received a bill for {$310.00} for this account. On XX/XX/year>, I called XXXX 's support number ( XXXX ) to address the false bill. I was told by the operator that their manager would cancel this charge ( set it to {$0.00} ) and close the account. Several months later, however, I received a text notice that the account would be sent to collections and, on XX/XX/year>, I received a letter from Diversified Adjustment Service attempting to collect a debt of {$340.00} and containing the bill sent by XXXX. 

I called XXXX 's support number again on XX/XX/year>, and was told that the company could not do anything because the debt had already been transferred ; I asked for a statement about why I was told that my charge would be canceled and account closed and then have that account instead sent to collections, and I was told by XXXX 's debt collection representative : " That's not OK, and I am not sure why you experienced that as well, because of representatives ' training. I do not have that information. I can not answer your question. '' They then transferred me to Diversified Adjustment Service, declining to resolve the issue.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Equifax, a credit reporting agency, regarding inaccurate hard inquiries listed on my credit report. According to the provisions outlined in the U.S. Code 15 1681 and other relevant laws governing consumer credit reporting, I believe Equifax has violated my rights by failing to ensure the accuracy of the information on my credit report. 

On XX/XX/XXXX, I sent a letter to Equifax addressing the presence of nine hard inquiries on my credit report, which were dated between XX/XX/XXXX and XX/XX/XXXX. These inquiries are erroneous and have had a detrimental impact on my creditworthiness. 

Enclosed with this complaint is a valid copy of my identification, confirming my identity and current address, as well as a copy of my credit report highlighting the inaccuracies in question. Despite providing Equifax with ample time to investigate and rectify this issue, they have failed to respond satisfactorily. 

According to the Fair Credit Reporting Act ( FCRA ), Equifax is obligated to conduct a thorough investigation into disputed items on consumers ' credit reports. Furthermore, under the FCRA, inaccurate information must be promptly corrected or removed from the report. 

Therefore, I am formally requesting that Equifax initiate an investigation into the aforementioned hard inquiries and promptly delete them from my credit report. I demand that Equifax comply with this request within 30 days of receipt of this complaint. Failure to do so will leave me with no choice but to pursue legal action, seeking damages of {$1000.00} for each inaccurate inquiry, as permitted by law. 

I appreciate your attention to this matter and trust that the Consumer Financial Protection Bureau will take appropriate action to ensure that Equifax fulfills its legal obligations. 

Thank you for your prompt attention to this matter.
Product: Mortgage

My loan was sold to Provident Funding. I had auto pay setup with the originator, XXXX and had my Escrow / insurance sent to XXXX. 

When Provident bought the loan they did not xfer the auto pay info and are now threatening me with a late fee. IMHO, Dodd Frank reg0-z etc specifices that the buying servicer needs to xfer ALL info, the borrower needs to do NOTHING. A servicer xfer should be transparent. Not a preditory series of threatening being late and needless re -- setting up of auto pays and re-asking my insurer to send the policy info to yet another servicer. 

The servicer needs to make it transparent, XXXX action for the bowerer when they buy a loan. 

My Provident new loan number is : XXXX / XXXX XXXX XXXX XXXX GA XXXX Provident ( and other servicers ) need to xfer the auto pay as well as all Escrow info, balance, insurer, re taxes paid or not etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is on Experian Credit agency. Back at the end of XXXX I sent a dispute letter and online dispute to have the unauthorized inquires removed from my report. I asked it to be investigated and verified. I also want to know the name of the person they spoke with and copies of verification of my signature or authorization. I also advice the that the Collection agencies on my report did not have permission to use my information, I do not have an original account with them or any signature saying they could collect on me. I asked for validation and verification from the debt collector according to FDCPA rules. They return my online dispute after 3 days saying it was valid, but did not provide the Property and information I asked for. They have not removed these unauthorized inquires and it is affecting my credit. Experian has sent me the same letter 3 weeks in a row with out the validation or verification only to say the i.inquires will not be removed. I also spoke with a representative on the phone who did not provide any assistance. This has been actually going on for awhile and no proof has been provided. Please have them to remove all inquires off my credit report and remove the collections that are not the original creditor.
Product: Checking or savings account

I had received {$11000.00} from my XXXX XXXX and they said the money was too much to be deposited in one month they need verification ID I did give my state XXXX card and ssn but they refused to give my balance money on the account thats why Im having you involved to get my funds out they have about XXXX on the account
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Morning, Reached out to XXXX XXXX XXXX XXXX , XXXX shows missed payment for the month of XXXX. I made 2 Payments beginning and end of XXXX to assure there was no missed payments, XX/XX/XXXX I made an additional payment of XXXX $ before closing of bill which is XX/XX/XXXX. 

On XX/XX/XXXX company reported missed payment. However payments were made. I called today the XXXX for the representative to state the payments wont be reflected until XXXX because payments werent made however, attached is a screenshot of all payments made and dates. 

This company is hurting my credit score and inaccurately reporting a missed payment please update my account to reflect XXXX payment as on time and reflect correct Available balance. The XXXX still owing is inaccurate I only owe XXXX - Thanks again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Two unauthorized hard credit inquiries from XXXX XXXX dated XX/XX/XXXX and XXXX XXXX XXXX dated XX/XX/XXXX.
Product: Checking or savings account

On XX/XX/XXXX, I notified Wells Fargo of debits that had been showing up on my account without my authorization. The activity continued to happen for the remainder of that year until the bank closed my account because " I reported too many disputes ''. On XX/XX/XXXX, I requested the bank replace my card due to security reason ( card ending XXXX ). From the date that I realized the error until now, I had been in constant contact with the bank related to these transactions on my account. 

Finally on XX/XX/XXXX, I was able to have the bank process my disputes correctly as a majority of the transaction in question were deliberately omitted. I reported the transactions on the only account that I had with the time ( XXXX ) of over XXXX transactions that had taken place on the account. To make things even more complicated, the bank states that all of the transaction happened on another account ( in my name ) ending in XXXX. I requested a bank statement of the account ( XXXX ) and that is how I was able to know which transactions to dispute. I was only aware of having XXXXXXXX XXXX  checking account with the bank at this time. The transactions happened outside of the United States which would have required ( enhanced processing ) Because of where they happened. I stated that I had not been out of the country at that time ( transactions happening in XXXX and XXXX ). 

The bank states that these transactions happened are were reported on some account that was supposed to be under my name ( XXXX XXXX XXXX ) ending in XXXX. I asked Wells Fargo to provide me with a copy of this transaction history on the XXXX of XX/XX/XXXX, and as of the date of this complaint the statement has still not been received. 

To make matters worse, the bank consolidated the claims for some reason and closed the existing claims. This presents a very XXXX XXXX XXXX situation for the chain of custody when attempting to preserve the context of the evidence presented for processing. This is the first error. It is my understanding that the bank that these procedures are routine and obligated under federal law. 

I received several letters from the bank stating that it found " no error occurred because I or someone I knew had authorization to make transactions with the card or account '' to process transactions against the account ending in XXXX. That is a VERY BIG problem because, I never reported errors for transactions for this account ending in XXXX. I reported transactions for account XXXX. This is the only account I had at the time these transactions were reported and I did not have a transaction statement for this account ending in XXXX. This is the second error. The last error is not conducting a thorough investigation within that 10 days period after guaranteeing that the bank would process and honor the 60 day, 10 day rule as stated in the recording attached to this complaint. I am requesting this agency to look into this matter thoroughly because I believe that there is foul play on behalf of this bank.
Product: Credit reporting or other personal consumer reports

I have sent in disputes to be investigated from all XXXX of the credit bureaus XXXX, experian, and XXXX. Instead of these dispute letters being investigated as per law of the consumer. I am recieving letters back stating that the investigation will not be processed and it don't seems to be me requesting a dispute of letters I had to pay for with my drivers license and utility bill and social security card. I do not have money to waste and I do not use computer like that to do any thing online.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX  Balance :- XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance :- XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  Bankruptcy discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX XXXX XXXX
Product: Mortgage

Amerihome Mortgage has repeatedly failed to communicate with me in a timely/effective manner to notify that a payment was reversed. My account has sufficient funds and I have verified on their site that my information is correct. Trying to avoid a delinquent payment with them is like herding cats because of the ineptitude of their staff and lack of functionality aloft of their site and systems.