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

This is a simple complaint against the XXXX XXXX XXXX. I have spoken with them both personally and on a conference call with a third party. Every time I spoke with them, they claim I don't have any XXXX  loans. The last time I spoke with them on the conference call, a XXXX from the XXXX XXXX XXXX stated that she can't find a single XXXX  loan with my name, address, or my social security number. When I then try to dispute the XXXX  loans with the credit bureaus, the results come back as verified. I even sent them certified mail back in XXXX of 2023 so they could remove these from my credit report and they claimed the account was verified! 

How can they be verified if the XXXX XXXX XXXX claims I don't have any accounts or that I am not found on any XXXX  loans? It's been months of trying to correct this only to not receive any help in doing so from either the XXXX XXXX XXXX or the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX And Equifax are reporting a fraudulent account on my credit report which makes my utilization very high. Below is the fraudulent account XXXX XXXX XXXX XXXX : {$50000.00} XXXX XXXX XXXX : {$50000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE NOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Mortgage

Purchased my home on XX/XX/XXXX and my property taxes were included in the closing total for XXXX. After about 2 months the mortgage was sold to another company. I have been calling and sending the tax bills to them since XX/XX/XXXX and as of yesterday they still have not released payment from my escrow account. I have also reached the tax collector 's office and they assure me nothing has been paid. I also received a letter from the tax collector 's office on XX/XX/XXXX stating that if my taxes are not paid by XX/XX/XXXX my account will be considered delinquent and turned over to the county for collection with additional penalties and fees. I have called the mortgage company over 10 times and have send tax inquiries through their website 4 times and no one seems to be doing anything with my account. 

Any help is greatly appreciate it.
Product: Checking or savings account

Good Afternoon, Bank of America over drafted my account several times
Product: Debt collection

XXXX XXXX XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA & 605B ( 15 U.S.C. & 1681c-2 ) that you, EQUIFAX credit reporting agency , remove the following information XXXX  XXXX  account : XXXX balance {$5600.00}, XXXX  XXXX account : XXXX balance {$4000.00}, XXXX XXXX XXXX XXXX account XXXX XXXX balance XXXXXXXX XXXX XXXX  account : XXXX balance {$2600.00}, XXXX XXXX XXXX XXXX account XXXX XXXX balance {$20000.00}, XXXX XXXX XXXX XXXX XXXXXXXX account XXXX XXXX balance {$16000.00}, XXXX XXXX  account XXXX XXXX balance {$14000.00}, XXXX XXXX account XXXX XXXX balance {$10000.00}, XXXX XXXX XXXX XXXX account XXXX XXXX balance {$26000.00}. This is a result of identity theft and fraud, please remove all listed accounts within 4 business days of receiving this complaint. This activity has resulted in several fraudulent accounts appearing on my consumer FICO credit report. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or negative accounts listed above. The aforementioned accounts, inquiries, collections, appearing on my consumer credit report maintained by you were not opened, made or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US FEDERAL TRADE COMMISSION that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I proceeded to send {$6000.00} dollars to my father in XXXX using REMITLY. I sent it using their app. I sent it using the Express option which guarantees a fast delivery, usually within minutes. The money was due to be delivered on the same day XX/XX/2021 but up until the filing of this complaint ( XX/XX/2021 ), the money has not yet been delivered and it reflects on the app as " IN PROGRESS ''. The transfer reference number on this as provided by REMITLY on its app is XXXX XXXX XXXX XXXX. 
I have called the company numerous times after the XX/XX/XXXX date but I have been given the run around each time with reasons such as " tomorrow is a holiday and we won't be operating tomorrow, kindly check back the following day '' to " the issue is with our partner bank '' and other nefarious petty excuses. Upon a simple internet search of the company, I was able to find that other numerous consumers have been reporting similar complaints against the company with most ending up being defrauded of their hard earned money by this company. I wish I had done this XXXX  search on them before doing business with them. 
This company is a scam and a fraudulent company that operating as a company that sends money internationally but ends up stealing a percentage of it's consumers monies. I believe they escape detection by ensuring the amount or the number of consumers they defraud remain below a certain amount to avoid being on the federal government 's radar.
Product: Credit reporting or other personal consumer reports

To Whom it XXXX Concern, While checking my most recent credit report, I noticed a late payments that I did not authorize, I am unaware of, and believe to be fraudulent made by the following companies : Accounts : XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX and XX/XX/year> ) I believe this was never late and paid as agreed to be removed on file. This is a violation of the Fair Credit reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. As well as Section 1666B : A creditor may not treat payment on a credit card account under an open-end consumer credit plan as late for any purposes. 

All three credit bureaus are reporting incorrectly, XXXX, Equifax, and XXXX and need to please be contacted to get removed.
Product: Credit card or prepaid card

This company customer care is horrible I have never been treated like this before I had previous loans in the past was a good customer and they had to do a bypass because their system was keep saying unable to verify my identity since I have a fraud alert but now when they do it it still says it and they dont know how to fix it its so annoying when Im the past also one loam shows Chargeoff but it was never I paid it I just want this resolved it never should be like this to prequalify their system is horrible
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023
Product: Debt collection

XXXX XXXX XXXX is reporting a collection for XXXX in the amount of {$190.00} that I do not owe because they have failed to validate it per the FDCPA. I have disputed it so many times nad nothing.
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.

The accounts below have violated my rights. 15 U.S.C 1681 section 602A. 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( a ) ( a ) 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.

Delete the accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I disputed XXXX items on my Apple Card ( Goldman Sachs ) on XX/XX/2024. I called Apple thereafter and requested that they remove one of the disputes since I was able to speak to the merchant. They agreed and I received an email confirming my request to withdraw XXXX of the disputed items. 

Three hours later I receive an email from Goldman Sachs saying they changed my virtual credit card number - I did not request this. Then, beginning at XXXX I started getting a " feed '' of emails notifying me of initiated charge disputes dating back from XXXX. These were unauthorized disputes since all were legitimate charges. In a matter of 10 minutes, over XXXX emails for almost {$1000.00} were sent to me notifying me and also the merchants that charges were being disputed by me. I had several of my merchants close my accounts because of Apple Card services employees ' criminal behavior. 

I tried contacting Apple through their number. The number requires the caller to listen to credit card information and disconnects you if it can not understand the request to speak to a customer service rep. They only want to text. My neck and back are killing me after texting with 2 people for another hour today after spending 2 hours on the phone on Wednesday. I also had to contact the merchants and change my credit cards and resubscribe. 

I need help from the CFPB in reaching the right people at Apple Card Services. They are still processing unauthorized disputes on my account. they can not tell me what the outstanding balance is on my card. I don't know if they cleared all of the disputed items. Because the phone system is antiquated and faulty, it's impossible to clear something of this magnitude by text message. Please help me get the right person to clean my account. Remember - this problem was due solely to Apple Cards system and employee- It's an " inside job ''. I believe someone breached security and firewalls and engaged in this criminal behavior because they are disgruntled.
Product: Credit card

Dear Sir/Madam, I have used Discover credit card for more than 10 years. About 1 year ago ( XXXX XXXX XXXX I figured out after calling customer service ), I called their customer service to apply for Discover IT card to take the advantage of better cash back terms as it offers 1 % and double-cash back for first year. I was told that they could convert the one I had with them to IT card and get the same benefit and I did so. My card thus became Discover IT from XXXX XXXX, XXXX. 

I was told I will get 1 % first for every month and double cashback bonus will be applied to my account after 1 year. XXXX XXXX, XXXX I use their online chat to check my double cashback status. I was told this time it was not applied to my account. The notes do n't include the full phone discussion and no such terms documented thus there 's no way for them to provide me double cashback. They said I could apply another IT card now to get the double cashback. Of course that 's not my expectation as I supposed to get it already. 

Obviously it is a situation the customer service person made some mistake 1 year ago. I asked them to review the full phone-conversation. The online chat supervisor said they could n't do it and asked me to call the service phone number. I made the call that another supervisor told me they could only review phone conversation within 60 days, and only way to review earlier date is through subpoena. He could n't do anything. 

Discover card is a big company, I felt I was ripped of as their customer service is not considering their customer 's benefit even at the minimum level. 

Below is some related facts, 1. Called the customer service on XXXX XXXX, XXXX and was told I could get the double cashback benefit with the new IT card. 

2. Double cashback would be applied at end of first year, XXXX XXXX, XXXX. 

3. Discover mentioned even it was told me 1 year ago, they could n't confirm it as 60 days are the limitation for the phone conversation they can review. 

4. No way I could know if I would have double cashback in 60 days. 

5. Only subpoena could get the conversation. They might think nobody will do so as the cost associated with this. 

They are not willing to make any further actions to resolve or understand the issue. Such a bad experience with a renowned company and would like to warn any customer with them.
Product: Credit reporting or other personal consumer reports

I am sending this complaint to address discrepancies in my credit report and seek a fair solution. I respectfully request that credit bureaus ensure my personal identifying information is accurate, including my full legal name, current address, date of birth, and the last four digits of my Social Security number. Any incorrect, outdated, or unverified information should be promptly corrected or removed to reflect the truth. 

XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$4500.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$170.00} In line with the Fair Credit Reporting Act ( FCRA ), I ask for a comprehensive review and reinvestigation of any disputed items. If an item can not be verified with concrete evidence, I request its immediate deletion to prevent inaccurate reporting from affecting my credit standing.
Product: Credit reporting or other personal consumer reports

Please block and remove the following accounts due to equifax data breach. 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, credit repair services, or other personal consumer reports

The following accounts I'm asking to be removed from my credit report due to the fact that I have absolutely no contractual obligations to either. The following accounts contracts obviously been cancelled, because I have No Contract with ( 1 ) XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX for {$99.00}, ( 2 )  XXXX XXXX XXXX, XXXX, {$240.00}, and {$100.00} Again, No Contract / No Knowledge of the above companies. I'm requesting physical documentation, or as stated with the laws of the FCRA, if the companies can not provided me with such, then the accounts shall be removed immediately.
Product: Credit reporting or other personal consumer reports

Experian reporting failed to make corrections to my credit report. There was several inaccuracies but they failed to fix the errors. I asked for proof of validation and also investigation detail which they failed to respond. There are items that her sent to FTC to have removed but they were not removed
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX US Bank closed claim # XXXX because they needed my authorization to continue as a 3rd party was involved. I called and gave them my authorization and was told that the case had been re-opened. It was not. 

I also resubmitted the case as I was told to do by the CFPB operator, claim # XXXX - this subsequent claim was closed as a duplicate. This is NOT a duplicate claim. I received NO ANSWER from US Bank as to why US Bank kept my money. 

US Bank is in possession of money that should have been immediately returned to me. I want it now. On XX/XX/2018 US Bank was negligent in accepting a {$78000.00} wire transfer to an account with a different name on it than the one specified in the wire transfer by the sender. On XX/XX/2018 I, the sender, alerted law enforcement to the crime. I sent a service request through XXXX XXXX XXXX to freeze the receiving US Bank account and get the {$78000.00} back as there was evidence of criminal activity. The account was immediately frozen. On XX/XX/2018, 5 days later according to US Bank 's own bank statement obtained from the receiving account owner and the investigating detective, there was {$48000.00} in the frozen account - please see the attached bank statement. On XX/XX/2018 US Bank returned only {$23000.00} to me, the victim of the crime. US Bank kept {$24000.00} of my, the victim 's, money. Where is the remaining {$24000.00} that was left in the receiving account at the time it was frozen? That money should be immediately returned to the sender who alerted US Bank to the crime, fraud and negligence. 
The recipient of the money informed law enforcement that he did not get any money back from US Bank after the money was frozen per my request.

US Bank illegally kept {$24000.00}.
Product: Mortgage

We refinanced our home loan to an interest rate reduction refinance VA loan ( XXXX ) in XXXX, XXXX. Our loan was serviced by XXXX until XXXX of XXXX when it was sold to Roundpoint Mortgage. Our interest rate is adjustable after 5 years, fixed until then. We live in Arkansas where we are qualified for a {$350.00} homestead deduction in our real estate taxes after we have lived in the state for a year. We requested a new escrow analysis due to the break we received from Arkansas. While our insurance increased a little, we should have seen a drop in our payment as our interest rate is the same. Instead of that our payment was raised by over {$100.00} a month. I have called repeatedly since XXXX to get this problem solved. Not only did the servicing person figure the timing wrong for payment of our taxes, they used the figure which included our personal property tax for their analysis. I 've been assured that they will fix this problem several times, that it was sent to a supervisor, etc. Prior to the first of XXXX, when the new payment was to go into effect, I told them I was paying the old payment amount. My call today produced the news that my payment is hung up because it was short and that all the person could do was reopen the escrow analysis ( start over again ). I asked to speak to a supervisor and was on hold so long I asked that a message be given to a supervisor to call me back. I am including a copy of our tax statement which shows the homestead reduction, the due date for payment and the total with the personal property taxes included. We really would appreciate help with this. We are retired and an additional {$100.00} per month is a hardship for us, especially when it does n't make sense. XXXX
Product: Debt collection

Dear Sir/Madam, I am writing this letter to formally dispute the validity of a debt that your agency claims I owe. I received a collection notice from your organization asserting that I owe this debt related to this account.

1. Verification of the Debt : Please provide a detailed written statement of the debt, including the original creditors name and contact information.

2. Proof of Ownership : I request proof that your agency has the legal authority to collect this debt, including a copy of the assignment or purchase agreement from the original creditor.

3. Full Account History : I would like to receive a complete account history, including all statements and transactions related to the debt. 
4. Copy of the Agreement : Kindly provide a copy of the signed contract or agreement, if applicable, that demonstrates my obligation to pay this debt. Purchase agreement.

5. Documentation of Your Licensing : Please furnish me with your agencys licensing and registration information, as required by the relevant state and federal laws. 

Please consider this letter as a formal dispute of the debt, and I Kindly request that you respond to this dispute in writing within 30 days of receiving this letter. Failure to provide the requested information within this time frame will be considered a violation of the FDCPA. 

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

THE ACCOUNT DISPUTED ARE DISCHARGED ACCOUNT THAT HAS BEEN SETTLED IN COURT. THE DEBTOR HAS NO RIGHT AND AUTHORIZATION TO REPORT ON MY CREDIT FILE AND TO COLLECT ANY DEBT THAT HAS BEEN DISCHARGED. I AM NO LONGER RELIABLE TO THESE ACCOUNTS AND I AM REQUESTING IMMEDIATE REMOVAL ON THE REPORTING CREDIT BUREAUS, EXPERIAN AND XXXX.
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$44000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XX/XX/XXXX {$5400.00} XXXX XX/XX/XXXX {$1200.00} XXXX XXXX XX/XX/XXXX {$1200.00} XXXX XX/XX/XXXX {$2900.00} XXXX XXXX XX/XX/XXXX {$1600.00} XXXX XX/XX/XXXX {$12000.00} XXXX XXXX XX/XX/XXXX {$18000.00} XXXX XX/XX/XXXX {$840.00} XXXX XX/XX/XXXX {$4300.00} XXXX   XX/XX/XXXX {$1400.00}