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

THE ACCOUNTS LISTED ARE FRAUDULENT SOMONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRA. On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit card or prepaid card

I been paying capital one payment XXXX dollars a month but when covid hit and a death in the family I could no longer keep up with the payments. I spoke to a rep and they told me that they can put me on a skip plan where I dont have to pay the minus payment but I will still incur interest. Now I just get a bill recently it is stating the payment is XXXX dollars payment. I dont have anything on the card and they still keep taken interest out the card. They keep telling me theres no help for me there using a computer to determine how I need help. The bill is going up and I have no way of stopping this interest they wont give me long term situation they keep asking me is it permanent I keep telling them it is and all they keep giving me is skip now there just going up and up for something XXXX cant afford and its not right what there doing. How can I pay anything if they keep taken money out of the credit card and theres nothing to take.
Product: Credit card

My credit card company Chase Freedom has refused to help me dispute an item I had returned to XXXX in the amount of {$260.00} on XXXX XXXX. Chase had initially credited me the amount titled XXXX ( see attachment ) on XX/XX/year> but has since has re-billed me. I called and wrote a letter to Chase to re- open the case and they refuse saying it was too late or we can not locate your transaction ( see attachment ). I also tried calling, emailing and texting XXXX and I get no responses. Can someone please help.
Product: Consumer Loan

Paypal Credit will not cooperate in regard to payment arrangements/settlement.. 
The payment plans offered prior did not include a settlement as I have stated before, me not accepting them is irrelevant at this point as their reps have lied saying they were not available when calling in or that there is or was a cease and desist on the account when there never was. Collection reps like to lie so they can go home and not take the call if it is before closing time of XXXX. Another rep breathed into the phone, then abruptly hung up right before close time, XXXX. Most if not all points made by Paypal rep are irrelevant/moot as you can see, this also pertains to my current mailing address which they do not need as they will not cooperate in accepting my final offer. There is absolutely no point in providing them my current address as they will not and have not cooperated up to this point. Lastly, the call they made to me attempting to discuss payment arrangements is also a moot point as again, they will not accept settlement with a payment of XXXX a month. If they wont accept it now then more than likely, they would not have accepted at time of call so the mere mention of the call is pointless. They have denied my fraud claim but offer a settlement of XXXX but wont accept XXXX a month, I think this shows their unwillingness to cooperate. It appears they have referred account to some collection agency yet again, I do not have the name of as of yet. Whichever one it is, they will be notified of the fraud on the account as well as my numerous attempts at resolution with no cooperation on end of Paypal. A prior collection agency referred the account back to Paypal, I imagine this XXXX will do the same with all information considered, once provided.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX and TransUnion for reporting inaccurate public records information on my credit report. Specifically, both agencies are reporting a dismissed Chapter XXXX bankruptcy ( Case # XXXX ), which is damaging my credit reputation and score. 

Details of the Inaccuracy : Bankruptcy was dismissed on XX/XX/year>, providing no financial relief or court-declared insolvency. 
Bankruptcy courts do not report directly to credit reporting agencies, which calls into question the accuracy and source of this information. 
Despite my previous dispute, the CRAs claimed the information was verified but failed to provide documentation supporting its accuracy. This violates the Fair Credit Reporting Act ( FCRA ), particularly : 15 U.S.C. 1681e ( b ) : Duty to ensure maximum possible accuracy.

15 U.S.C. 1681i ( a ) : Obligation to conduct a reasonable reinvestigation.

Harm Caused : The inaccurate reporting of this dismissed bankruptcy has significantly harmed my credit profile and financial reputation. 
I have been denied access to credit and have suffered emotional distress as a result of this inaccuracy.
Product: Credit reporting or other personal consumer reports

The problem account is XXXX XXXX. It's reporting inaccurate information. I've asked Experian to remove these late payments due to Experian failing to investigate the inaccurate reporting on this account. Enclosed is proof that this account is reporting inaccurate information and therefore it's just 1 of the many reasons these late payments were supposed to be deleted. I'm so confused as too why Experian refuse too do what's right. Simply " parroting '' information from data furnishers without an actual independent verification constitutes willful non-compliance, as affirmed in Cushman v. TransUnion Corp, 115 F.3d 220 ( 3rd circuit.1997 ). This complaint is against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently respond with the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore Experian actions may contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ) as highlighted in the CFPB recent administrative proceeding ( File No.2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with Federal Law.
Product: Debt collection

To : Credit Collection Services. 
I AM XXXX XXXX. And you are not licensed to collect in my state.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. 
Dispute Department RE : Formal Dispute of Inaccurate Credit Reporting under FCRA and Consumer Law To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items.

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding XXXXXXXX XXXX failure to conduct proper investigations. 
Specifically, in a lawsuit filed against XXXX, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA.

As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), XXXX is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law. 

I hereby request that XXXX : 1. Conduct a thorough reinvestigation of the following disputed accounts or items [ list the specific accounts or items you are disputingi.

2. Provide me with all documentation used to verify the accuracy of the disputed information.

3. Correct or delete any information that can not be verified or is inaccurate, as mandated by law. 

Given the recent CFPB findings, I expect XXXX to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation. 
If XXXX fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 
Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Mortgage

I have 8 refinance loans in progress with Sprout Mortgage. On 6 of them, they did not send out Edisclosures within the 3 day period, so far 6 of those loans in, they requested me to resubmit the files, They admitted that it was their fault and so that they would try to send out Edisclosures in a timely manner this time As according to them the loans are out of compliance One of my borrowers has already cancelled their loan because it was taking too long Most of these files Sprout has had over 75 days One client that I have 5 loans in progress is ready to walk away This is not the way to run a company, it's the worst lender I have ever dealt with My reputation to my clients is getting smeared in the process as they think it's my fault
Product: Checking or savings account

On XX/XX/2023. I went to my bank to deposit money only to find out that my account had been hacked. A fraudulent company submitted 40 transactions within less than an hour totaling XXXX. I immediately called Wells Fargo to be informed that they would start a fraud claim. They also stated that they would open a new checking account. On XX/XX/2023 not even 12 hours later, the same fraudulent company hacked the new checking account for yet another 15 transactions totaling XXXX. I again called Wells Fargo and they stated that they couldn't tell me why this happened. I asked them to tell me how a new account less than 24 hours old could be hacked. no answer, they said a new claim would be opened. they also advised another new account should be opened. Again, they are not accepting any responsibility to allow this to happen. NOT ONE ( 1 ) time did Wells Fargo call or notify us to any of these charges finding it suspicious. I want them held accountable for allowing this to happen. I feel that they have an internal problem and have someone hacking accounts from within their company.
Product: Mortgage

I made a payment to Freedom Mortgage on XXXX XXXX, 2016 for my XXXX XXXX, 2016 payment. Freedom Mortgage says my bank XXXX did not pay for insufficient funds. I had sufficient funds in my account on XXXX XXXX, 2016. I made another telephone payment with a representative of Freedom Mortgage on XXXX XXXX, 2016, and today XXXX XXXX, 2016 Freedom Mortgage tells me that my bank XXXX stopped payment. I show no stop payment on my XXXX account. Freedom Mortgage has received two payments from me and has lied about what happened with each payment. I sent a note on a fax cover sheet to Freedom Mortgage not to take two payments from my account. Freedom Mortgage just keeps saying things that are n't true. Also Freedom Mortgage had the wrong address to mail my bill to. I have been with them unfortunately for 16 months and Freedom Mortgage changed my mailing address.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I have taken a loan from OPORTUN, with the amount of {$2600.00}, 19 months loan term, payment amount is {$87.00} every two weeks. And I registered automatic pay from the very beginning, it automatically charges from my bank account {$87.00} every 2 weeks. It went well for more than one year. 

One day, in XX/XX/XXXX, I received their call about offering me another loan, I refused it, and told them don't call me again. After XXXX XXXX, they canceled my auto payment without my permission! Without any notice! I didnt know it until 3 months later! After I noticed my credit dropped dramatically -- -- more than 100 score. Then I realized I haven't paid for 3 months. 

On XXXX, I called and argued with them why they did this. They said : because you said don't call you again, so we cancel auto payment! And they asked to pay the rest of the loan plus the late fee {$620.00}. I paid them the rest of the load plus a late fee of {$620.00} as soon as possible to prevent further problems. But I didn't know that my bank refused the payment until 3 months later. So I paid off in XXXX. XXXX. 

All of those happened because they canceled my auto payment. But they still reported me to the credit bureau ( XXXX  and XXXX ) for 3 months late payment and 3 month charged off. Then my credit dropped a lot. It is totally unfair since all of this is not my fault. 

PS : You can see on documents, they wanted to report me for 3 month late payment on purpose that my bank automatically paid {$87.00} on XX/XX/XXXX, but they even returned it on XX/XX/XXXX. After that, they just canceled my auto payment. 

I try to negotiate with them to remove the bad record .They refused. I also reported to Credit bureaus, but failed. 

After I have the bad credit, I recently cant get any loan to support my life during the pandemic ; and every time when I think about what they have done to me makes me very sad, it had been affected my mental health significantly for more than one year.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and noticed a lot of activity that was not authorized by me. I wanted to apply for a business loan and the lender brought so many things to my attention regarding my credit. that's when I noticed inquires from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX. All these hard inquires were not authorized by me.
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 

XXXX XXXX XXXX - Account Number:XXXX XXXX XXXX XXXX XXXX Account Number:XXXX XXXX - Account Number:XXXX
Product: Checking or savings account

My phone/wallet were stolen at a concert and my phone was used to order XXXX through my XXXX. I disputed the charges with XXXX and they found it was indeed fraud and refunded my money. The original charges were on XX/XX/XXXX and the overdraft fees were applied on XX/XX/XXXX. The XXXX charges put my account into the negative and I was given 5 separate NSF charges of {$38.00}. XX/XX/XXXX XXXX resolved my complaint and refunded the charges because they found it was fraud. I explained to my bank, BBVA Compass, what happened but they said because I had already disputed the charges with XXXX and they had already reimbursed the money, they could not put in a dispute for the overdraft fee 's. They are saying that it is XXXX 's responsibility to reimburse the charges which doesn't make any sense because it wasn't XXXX that charged me the fees. XXXX provided me with a letter for BBVA Compass explaining that the charges were fraudulent " This letter is to confirm that they did not authorize the transactions that caused the NSF fees. ". I have spoken to 5 separate managers at BBVA and even had a conference call between XXXX and my bank during which the representative from BBVA ended up just hanging up on us. XXXX is sending me a copy of the recorded call so I have evidence. After nearly 4 hours on the phone they finally gave me a " goodwill credit '' for 3 of the charges but I have explained to them that they are literally profiting from Fraud. I have been with them for 10 years! I honestly do not know what I could have done differently but I am now out {$190.00} and they can not get away with this! Please look into this and let me know if you need ANYTHING from me.
Product: Money transfer, virtual currency, or money service

Received an email from XXXX on XX/XX/23 for {$500.00} invoice. I called number on email to dispute the item. Gentlemen answered and advised he would look into my XXXX acct. We got disconnected and he called me back from another number XXXX. He proceeded to advise hackers were in my acct laundering {$20.00} XXXX in my savings acct. He also advised XXXX were opened in my name at my bank, sent me screenshot. He instructed me that I had to take the $ XXXX cash out so that the funds can be sourced. He advised I would get reimbursed via bank check which an image and confirmation were sent to me. He said if I didnt act accordingly, IRS and Federal Trade commissions would report my acct. I withdrew the cash and went to 2 Bitcoin ATMs per his instructions. He sent me XXXX XXXX to route funds to. Total of {$17000.00} was deposited. {$100.00} bill went into an ATM but never accounted for. Due to limits on the machines, he then instructed me to go to a store to purchase $ XXXX in gift cards that could be traded for the cash owed. I purchased 4 {$500.00} XXXX gift cards. I had asked him how this could be considered legitimate. He became frustrated and threatened me that if I dont follow instructions I would be reported and bank check would not get deposited into my acct. He then instructed me to take photos of each front/back and send to number. He kept me on the phone the entire day accessing my cell via any desk app that he told me to download. During the course of the day, he also had me do test transactions on my XXXX XXXX resulting 2 transactions {$220.00} & {$220.00} withdrawn from my checking acct. I received text msgs confirming cancelled transactions from XXXX XXXX 
I was panicked and nervous the entire day due to the threats, msgs, emails and promise of getting my funds back. 

I finally realized this was a scam when he instructed me to delete our text exchange. Instantly, I placed him on hold and contacted my bank to report this. My bank instructed me to go to the police. My husband and I spoke with Officer and their IT agent. Complaint # XXXX was filed, I need to get a copy once ready approx Fri, XXXX. Calling office tomorrow XXXX. IT agent stated XXXX address on the XXXX XXXX receipt can possibly be traced. He would try to investigate but no guarantees. The officer and I called the number on the Bitcoin receipt to report this issue. We advised the gentlemen all of the details. He advised since this occurred outside of 30-60 min there was nothing he could do. I requested to speak to a Manager. He advised his Team Leader XXXX XXXX wasnt available and would call me back that evening. No call ever received which I feel is extremely neglegent given the amount of money and layered scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

In  XXXX    XXXX   I told a representative of Lexington Law Firm that I was really needing to keep in close contact with my paralegal due purchasing a house and I would be having lots of people looking at my credit. I told them that I had been having a hard time getting them to respond by phone, email or even on the chat line. I was told that things was getting better. The next month same thing happened. I did get to speak to some  one  after after I threatened to cancel my services. This representative talked me in to staying on with them and she reduced my fees for my troubles. Ok At the end of this month, I say about  XXXX  or so I started trying to call them. I was put on hold for a very extensive amount of time. Then I sent an email. I asked to be contacted. I also sent several emails to no avail, No one contacted me. I finally decided to cancel my services. I told them to cancel the service and the reason why. All of the sudden, they started sending me emails about disputes and letters they were sending out. I think this agency is a scam because I only got emails when they knew I was getting ready to cancel. Every month they do the same thing right around time to pay they send out status reports. This looks sneaky to me as if they are sending the information when it is time to pay. I have had enough.
Product: Credit reporting or other personal consumer reports

THIS COMMUNICATION IS A : LEGAL NOTICE AND DEMAND OF A SWORN AFFIDAVIT OF TRUTH FOR FEDERAL TRADE COMMISSION FRAUD AND/OR IDENTITY THEFT. 
THE REPORTING COMPANIES AND FURNISHING CONSUMER REPORTING COMPANIES THAT ARE INVOLVED AND AT WHOM HAVE ON THEIR OWN FREE ADMISSION AND DECISION MAKING PURPOSELY HAVE INVOLVED THEIR TIME, RESOURCES, FOR THE BENEFIT OF OBTAINING FINANCIAL GAIN AT THE BEHEST OF ITS CORPORATE DIRECTORS, MANAGERS, OFFICERS, AND ALL EMPLOYEE LABELS GIVEN AS TO PROFITEER OFF THE INFORMATION THAT IS PRIVATE, NOT PUBLIC, NEVER REQUESTED NEVER GRANTED PERMISSION, AUTHORITY, LICENSING, CONTRACTUALLY, VERALLY, IMPLIED NOR EXPRESSED IN ANY MANNER AT THE DETRIMENT OF THE PERSON OF WHICH THIS IS CONCERNED WITH AND DONE SO WITH OUT CONSIDERATION AND DOEN WITHOUT DUE REGARD FOR THE RIGHTS OR CONSIDERATION OF OTHERS.