23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is an attempt to correct my EQUIFAX, XXXX, and XXXX credit report ( s ). I have identified a fraudulent account and the report violates my consumer protection rights. Please block the account listed below : XXXX BANK : XXXX - {$10000.00} I request to have this account removed permanently from credit report ( s ). Please block this account. This account is fraudulent and unverifiable.
Product: Credit card or prepaid card

We were on vacation in XXXX and someone got my cash app card info. My card was ran 17 times for over XXXX dollars in less than 2 minutes at a XXXX in XXXX New York. They stole {$7900.00} out of my cash app account. Cash App denied the claim and customer service refuses to help me when I call.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is with Equifax Credit Bureau.I have verifiable court documents, proof from the agency ( Attorney General Texas XXXX XXXX Account number # XXXX ) reporting info. And it is opposite of what Equifax is reporting. Equifax is Reporting my account over 120 days late on my monthly payments. My payments for XXXX XXXX come out of my check weekly. I am submitting this once again. Equifax says they have verified it, but there is no way. I have submitted documented proof admissible in a court of law showing all my monthly payments have been up to date. They must correct this info or delete the derogatory info. They deleted it once only to put it back 2 months later. It has hurt my ability to obtain credit. I have filed complaint with Equifax 4 times always getting answer verified as the same answer. This is false info. I have submitted all documents proving my case. If they took the time to look at these documents.. They would see they are from the same agency Attorney General of Texas which they said they verified it with. And these show my payments on time.. which means they didn't verify it as true. And these documents are admissible in a court of law.Please help me as this info they are reporting for Attorney General XXXXXXXX XXXXt account # XXXX is totally false. I am attaching all documents for you to see. I have asked over and over to correct it or delete it from my reports. They are violating the law. I ask that this be permanently deleted from my credit report. If it isn't I will retain legal representation to uphold my rights according to the fair credit act.. I have documents of payments being current that is admissible in a court of law. Once XXXX if they would look at these documents they would see they are reporting wrong info. These are documents admissible in court of law which show my monthly payments up to date. Up to XX/XX/2021 with no late monthly payments. I am also submitting copy my driver license for ID. Once again these documents show my monthly payments are on time which means they did not verify the payments as current. My social security number is in documents
Product: Credit reporting or other personal consumer reports

I disputed information on my credit report as inaccurate and Equifax did not investigate. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint regarding your reporting of an unverifiable XXXX XXXX account on my credit report. This account is missing an account number and has not been verified. When I contacted XXXX XXXX directly, they confirmed that they could not verify any account under my name, especially without an account number. 

Over 60 days ago, I sent a dispute letter requesting the removal of this account due to its invalid information. Despite this, you failed to respond or take corrective action. I have attached a copy of my dispute letter, which is both date- and time-stamped, as evidence of my initial request. Your failure to investigate and correct this inaccuracy violates the Fair Credit Reporting Act ( FCRA ) and demonstrates a lack of reasonable procedures to ensure maximum possible accuracy in consumer reports. 

Additionally, the information reported for this account contains discrepancies in Metro 2 data fields between Experian and XXXX, further proving its inaccuracy. XXXX has already deleted this erroneous account, reinforcing that this information should not be reported. 

Violations of Federal Law : Failure to Maintain Reasonable Procedures ( 15 U.S.C. 1681e ) {$1000.00} False and Misleading Reporting ( 15 U.S.C. 1692e ) {$1000.00} Failure to Promptly Delete Inaccurate or Unverifiable Information ( 15 U.S.C. 1681i ( 5 ) ( A ) ) {$1000.00} Unauthorized Use of Consumer Information ( 15 U.S.C. 1681b ( e ) ( 6 ) ) {$1000.00} Total Amount Due for Violations : {$4000.00} This is a clear violation of federal consumer protection laws. Your company has no legal standing to continue reporting this erroneous account, and numerous case law precedents confirm that failure to maintain reasonable procedures is grounds for a lawsuit in favor of the consumer. Should this matter remain unresolved, I am fully prepared to pursue legal action against your company for willful noncompliance under 15 U.S.C. 1681n et seq.

I expect an immediate resolution to this matter and look forward to your prompt response.
Product: Mortgage

I refinanced my Mortage XXXX. The Mortage company totally messed all the numbers up and I filed a formal complaint with you guys for that. I received a check {$3100.00} XXXX for the refinance which they over calculated closing costs and escrow. Now today XXXX XXXX year later they charged me {$1400.00} and my Mortage is {$1100.00}. The Mortage company told me they sent the check by mistake and it was suppose to go to escrow. So the Mortage company charged me for there mistake from a year ago it makes zero sense. The Mortage company is being very sneaky and deceiving. I refuse to pay for an error they made over a year ago and just now noticed. This is so frustrating to a hard working man that never missed or been late on a Mortage payment.
Product: Credit reporting or other personal consumer reports

Mercedes Benz Financial Services reported a REPOSSESSION on XX/XX/XXXX, never contacted me, even though the last payment for XXXX was paid. Mercedes Benz Financial Services/MBFS stop my ACH payments on XX/XX/XXXX, all the while my credit reports are showing false information as it appears from XX/XX/XXXX, when I last spoke with my insurance company and co-part the third party hired by my insurance company to schedule the total loss on the XXXX XXXX XXXX I entered into with XXXX of XXXX, who never offered me XXXX insurance, didn't educate me on the importance of XXXX where I am in jeopardy of paying out anywhere from {$13000.00} to {$15000.00}. 

This XXXX insurance was something I never heard of in my XXXX + years as a consumer. Up until I was sold a lemon prior to XXXX, and the salesperson and professional at XXXXXXXX XXXX XXXXXXXX I always purchased cars never entered into a lease. 

The first lease I entered into with XXXXXXXX XXXX  XXXX included the {$14000.00} balance owed on the XXXX XXXX, since the car 's value the XXXX  XXXX was only valued at {$5000.00} according to the general manager at XXXX XXXX XXXX. 

I want to include, XXXX of XXXX, and Mercedes Benz Financial Services at this point because I am presently in a financial and credit score dilemma. Help
Product: Payday loan, title loan, personal loan, or advance loan

This was an online loan which I didnt apply for and I told them I was a victim of fraud but they insisted that this was correct and will t work with me
Product: Debt collection

We had alarm service on our home in XXXX that was paid via automatic bank withdrawal. When we sold the home in XXXX, 2018 we notified XXXX company several times to terminate service. The automatic withdrawals continued until we finally directed the bank to stop them. Then, the XXXX company started sending monthly Bill 's to our new residence in XXXX. Each time, I would politely remind them that I had terminated service many months ago. Now they have turned us over to a collection agency. The alarm system wasnt even working because the house was broken into an robbed before closing without any alarm being raised.
Product: Credit card

I received a text alert about a suspected fraud charge from Citi about my Best Buy Visa card, showing a purchase from XXXX XXXX XXXX XXXX in XXXXXXXX XXXX  on XX/XX/XXXX in the amount of {$230.00}. I immediately called Citi to report that as a fraud charge as I do not shop at XXXX 's, nor do I live in XXXX. I live in XXXXXXXX XXXX. There were also other Fraud charges I received email alerts about, though these were blocked and never posted thankfully. Screenshots attached. 

I was told that the charge would be credited, and received a letter in my documents on the online account confirming this. A week or so later, around XX/XX/XXXX, I check my account and see a Sales Adjustment crediting me the total amount charged, {$230.00}. I assumed the matter was resolved. 

On XX/XX/XXXX, I saw the charge was reinstated, dated for XX/XX/XXXX for XXXX XXXX XXXX XXXX in PA, for the same amount, {$230.00}. I called Citi the following Monday and asked why the charge was reinstated, to which they said they sided with the merchant. They said the merchant had provided evidence that I had purchased a " XXXX XXXX XXXX '' for the amount charged. I said that's literally impossible because I do not live in PA, I do not own any XXXX XXXX items, and I live in XXXX and thus do not have any use for a jacket. 

The Citi rep and I went back and forth, I asked for the evidence they provided, he would not provide it. He said that I need to provide proof that I did not purchase the jacket. I am not sure how you prove that I did not purchase something, but I pointed to the fact that my card was used in the days before and after that single XXXX 's purchase at merchants local to my home address. He said I would need to fax a copy of my ID to the fraud department, which I did on XX/XX/XXXX. I have not heard back from them since and all attempts to get through their phone system are fruitless. 

I tried calling the merchant myself, but when I called the XXXX XXXX XXXX XXXX, I was told that the XXXX XXXX XXXX XXXX XXXXXXXX XXXX is the name that would appear if it were an online purchase. This is the first I am learning that the purchase was online, and not in person like I had originally thought. 

I am not sure where to go from here. Citi is unwilling to return my money or work with me on this, and I am met with dead-ends or impossible hoops to jump through. I have no earthly way to prove I did not purchase something. I would think the burden of proof would be on XXXXXXXX XXXX I do not shop there, I have no XXXX XXXX jackets. If they could maybe get the shipping address for the order, they would see it wasn't me who placed the order, as no such item was ever delivered to my house in XXXX. Wherever it was delivered, is likely the individual responsible.
Product: Checking or savings account

On XX/XX/year>XXXX  I had noticed that my XXXX email account had been changed ( see image below ) I ran a full virus scan on my PC and found no viruses so I just assumed they got my password ( which was different from my chase/email password ) from somewhere, after this I contacted XXXX  and attempted to recover my account Suspect ip address XXXX On XX/XX/year>XXXX  I was checking my banking application and noticed that there were 2 transfers from my checking account that I did not notice. I immediately called Chase and was connected to the fraud department where I was informed that one of these transactions could be canceled as it was still pending but the other transaction ( XXXX $ ) would need to be disputed. I was also informed that my email was compromised as the attacker had used all my credit card reward points to buy XXXX gift cards ( I do not even open a single XXXX  product ) The person who assisted me informed me that these transfers were made to a XXXX  account and this is when I had discovered the attacker was sending all mail from chase/XXXX  directly to spam so I wouldn't notice any of this. During this call I reset all my XXXX  passwords as well as set up stronger XXXX. I unfortunately can not provide IP login history from XXXX  as it does not show history longer than 1 week. However I do remember the ip address belonging in XXXX  XXXX XXXX All emails that were put into the special folder marked ( spam ) so I wouldn't notice it At this point I had also realized that the attacker created a XXXX XXXX  XXXX   account and when I contacted them they said the account had already been disabled so I was unable to gleam any information from them I noticed that the attacker had created a XXXX  account using my name and email and I sent XXXX  an email requesting that my account be deleted as it was created without my consent ( note the attacker likely deleted any account creation emails as they are no longer present on my inbox/spam and there is no way to recover deleted emails ) On XX/XX/XXXX i was notified that my claim was once again rejected, so i filed a complaint with the XXXX, as well as with the CFPBas well as filing a police report with the local police department in XXXX XXXX CA and the fbi cyber crime website Police report XXXX XXXX XXXXXXXX XXXX XXXX Police Department Report XXXX XXXX XXXX Your IC3 Complaint ( FBI cybercrime report ) XXXX ID : XXXX Date Filed : XX/XX/year> XXXXXXXX XXXX EST
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 



Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I received and E-mail from Discover on XX/XX/XXXX at XXXX XXXX   letting me know my card had been declined a charge ( {$64.00} ) for : Payment Protection Services. I at no point have enrolled in this program and the website clearly states that it is completely voluntary. In the last twenty-four months i have been charged roughly {$1200.00}. That is as far back as my statements go. Again, I at no point opted into this program. I called Discover and they said they could only refund me for the past six billing cycles. This is completely criminal. I have discovered charges dating back to XX/XX/XXXX ( {$35.00} ) as their online account only goes back that far. I have been a customer since XXXX and suspect that my charges date back that far. The service costs are {$0.00} for every {$100.00}. This is predatory and unlawful.
Product: Checking or savings account

Overdrafts that we're not suppose to be payed for. I had overdraft protection on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX # XXXX {$290.00} XX/XX/2019 THE FOLLOWING ACCOUNT IS REPORTING INACCURATE TO MY CREDIT REPORT
Product: Credit reporting or other personal consumer reports

Hello these companies has been reporting fraudulent accounts. Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, Equifax and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. Inaccurate Nme : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, title loan, personal loan, or advance loan

Heights Financial Services Subject : Request for Removal of Predatory Loan from Credit Report I am writing to formally request the removal of a predatory loan from my credit report due to violations of the Fair Credit Reporting Act ( FCRA ). 
I was a customer of Heights Financial Services and have recently been notified that I am a litigant in a class action lawsuit against your company for predatory lending practices. As part of this lawsuit, it has come to my attention that the loan provided to me was issued under terms that violate the FCRA. 
Details of the loan are as follows : - Loan Number : Partial Account Number XXXX - Date of Loan : XX/XX/year> - Amount : {$5000.00} Given these circumstances, I am requesting the immediate removal of this loan from my credit report. This loan has adversely affected my credit score and financial standing, and its presence on my credit report is unjust. 
Please confirm in writing that you have received this request and that the loan will be removed from my credit report promptly. Should you require any further information or documentation, please do not hesitate to contact me at XXXX or XXXX. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

Hi C2 Financial, XXXX XXXX XXXXXXXX, pays their Loan officers XXXX and also proxy based on the transaction. This needs to be investigated.
Product: Debt collection

I believe the collection agency has violated my rights under the Fair Debt Collection Practices Act ( FDCPA ), which prohibits practices such as [ list violations, such as improper communication, harassment, failure to validate debt, etc. ]. Specifically, the issues I am experiencing include : Proof that this debt is mine and legally enforceable. 
The original signed agreement or contract linking me to this account. 
Documentation showing the full history of the debt, including the original creditor. 
Any judgments, insurance claims, or assignments of the debt. 

Until you provide this information, you must cease all collection efforts and remove any negative reporting from my credit file. If you can not validate this debt within 30 days, I request that it be permanently removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I was filling out applications for employment at XXXX XXXX when their databases were hacked. Those who used the XXXX XXXX site received notices to contact all ( 3 ) Credit Bureaus and request a long term freeze and fraud alert for their credit bureau files. I wrote letters to all ( 3 ) credit bureaus with the information the XXXX XXXX gave me and a request for a fraud alert, freeze, and removal of the fraudulent data. All three wrote me back and confirmed these requests, however, on XX/XX/XXXX, there was a fraudulent request for credit on my credit report and my updated address ( XXXX XXXX XXXX XXXX, XXXX, KS XXXX ) and the removal of my old phone # ( XXXX ) XXXX had been taken care of. But they did not put the freeze on and they allowed someone to put a hard hit on my credit report for XXXX XXXX in XXXX XXXX, Californiia. They allow people to pull without reason from citizens ' credit reports. Please help me!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax indicated that my personal information was comprised in their breach. Therefore, I attempted to sign up for free 12 month credit monitoring service. 

I completed all the required steps to register for the credit monitoring and received a confirmation email from Trusted ID. Clicking on the link in the email, I was then redirected to theTrusted ID Premier website, I enter my DOB as requested but the same message captioned below always appears ... 

" SYSTEM UNAVAILABLE We are unable to process your request at this time. Please try again soon. '' The deadline to register for the free credit monitoring is XX/XX/18 less than two weeks from today. I have attempted to complete this registration online since last XX/XX/XXXX. 
Any assistance would be appreciated.
Product: Vehicle loan or lease

XX/XX/XXXX my car was taken from my house. The driver hooked my car up and while pulling the car. The car collided with my garage. He stopped briefly once realizing the connection and then continued to drag the car from where it was parked. I contacted Wells Fargo and they were unable to answer my questions XXXX. What company repossessed my vehicle. I questioned them if I needed to file a police report because of the manner it was taken from my home and their unwillingness to offer the information I was requesting. 
XXXX. Where is my property. Unable to provide the location of my property I contacted them several times and was unsuccessful at receiving the information. 

The week before XXXX. I called Wells Fargo and requested the amount required to receive my car back and I was informed that if I wanted my car back I had to call Wells Fargo and pay {$20000.00} by XX/XX/XXXX and that my Auto Loan was " charged off '' I was again confused because I didn't understand how they sold my debt and charged off my auto loan and I was still required to pay Wells Fargo and this company they would not give me the companies information they sold my debt to. 

I called Wells Fargo on XX/XX/XXXX begging for my car back and to pay what i owed because i needed my car. They did give me incorrect information of where my car was and where my property was. I was provided inaccurate numbers of the locations. I called the numbers they provided me with and had not been able to reach either locations. 

Wells fargo extended my time frame to XX/XX/XXXX to pay XXXX told them i could pay what is owed and i dont understand how i am required to pay the XXXX when it was charged off to receive my car back because I am now going to still owe the debt collection agency they sold it to. I was instructed by wells fargo to try to refinance the auto loan of {$20000.00} to receive my car back. 


XX/XX/XXXX i still haven't received any information pertaining to the correct location of both my car or the property
Product: Credit card

We paid of our credit card and I paid to much. I contacted to credit card company and requested a refund. The amount is over {$900.00}. For more than 2 months they have said its in the mail. We never received it. We keep calling they keep saying the same thing. We requested the mail it with a tracking number they refuse.we have asked to talk to higher ups, we give our phone numbers they repeat it then when they do n't call we call them and they say we have not working numbers. They have no record of our working numbers. They have offered no solutions and veto all of our solutions.