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

original creditor was XXXX XXXX  and that is what is on my XXXX credit report but on my equifax XXXX XXXX XXXX purchased the loan. and reported the i had been making payments since XXXX it was and has been a charged off account and then they refreshed it by putting that i missed a payment recently on XX/XX/XXXX and on XX/XX/XXXX i have not done anything on this account since XX/XX/XXXX they have illegally refreshed this account I had no idea they had even purchased it. i have contacted equifax twice on the matter and they are no help at all. on one report it is still XXXX XXXX with a differnt balance on that alone there are major conflicting issues with this .companys should not be allowed to purchase other accounts like this
Product: Money transfer, virtual currency, or money service

Starting in XXXX of 2023 my debit card was shared with XXXX app. I use cash app to pay employees that don't have bank accounts. My debit card was charged small amounts that totalled {$17000.00}. I disputed this with my bank because all transactions we're unauthorized. Wells Fargo along with XXXX app have denied my claims. I sent proof that in XXXX I was experiencing sim card issues we're it was believed that my Sim card was compromised. Neither company looked at the evidence I provided and they both denied my claim. My company is out XXXX with no explanation of the reason why it was denied. I'm asking both parties to provide information why the claims have been denied. The amount of money taken from me is unfair. Wells Fargo is suppose to have my back. Cash app had been on the news for months and I'm also apart of the data breach. Please help
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but also allow repeat offenders to exploit the system, leaving users vulnerable to scams.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit reports there is a closed account with huge amount of missed payments. CAPITAL ONE BANK USA Opened XXXX XXXX, 2008 Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA CAPITAL ONE BANK USA has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Mortgage

I contacted Carrington mortgage, XXXX XXXX XXXX, XXXX, CA XXXX, XXXX, because they were charging me late fees. I have NEVER missed a payment. They changed the payment amount in XX/XX/XXXX but since I was overseas I did not get the message. Apparently escrow analysis was done and they changed the amount of the escrow payment - making my full payment to fall short of what they were charging. The fixed rate principal and interest did not change - their analysis of the escrow taxes or insurance did yet they felt inclined to hold my payment " in suspense '' until the next payment arrived then " applied '' the previous payment. <P/>They held my money, not applying it to principal nor to my regular payment justifying charging me late fees. This seems quite unfair. They are refusing to waive or reverse any late fees even though I have made my mortgage payment to them without fail and on time for more than 15 years. <P/>Apparently Carrington Mortgage holds peoples money in their bank without credit or interest. This seems illegal to me. Please investigate their practices and charter.
Product: Credit card

I want a monthly paperbill. The company is not sending me any monthly information concerning my account and says I must request on the phone my paper monthly statement or it won't be sent.
Product: Credit reporting or other personal consumer reports

EXPERIAN, XXXX, and XXXX. Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 168In and 15 USC 1681o regarding your continued willful and negligent noncompliance. Despite two written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you " verified '' that these items are being " reported correctly ''? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under 15 USC1681 ( a ) ( 7 ). Please be advised that under 15 USC1681 ( 5 ) ( A ) of the FCRA- you are required to ". ..promptly DELETE all information which can not be verified. '' XXXX. XXXX XXXX XXXX XXXX, has violated my rights according to FCRA, listed above. Under federal laws, you have thirty ( 30 ) days to complete your re-investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act the following companies has violated my rights. 
15 U.S.C. 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I have already sent in proof of full payment of 3 watches bought from XXXX ( VIA Affirm ) to include the safe return of 3 watches that where not the ones I wanted to buy. XXXX has a vast history of sending womans ( smaller less expensive, but closely similar ) watches in the place of buying mens full size watches. Their attempts to send the lower priced merchandise to buyers is rampant and well documented with the XXXX. I intended to buy 6 watches but only purchased 3 due to this shady business practice and therefor my account has been paid in full. Watch brands of XXXX and XXXX where the watches they attempted to switch and bait me with smaller and lessor valued watches in attempt to sell the ones advertised at full price to another consumer to widen profits. ( serial numbers did not match from online advertisement as to what was mailed to me ). 

Affirm has since, reported a collection account and numerous missed payments on my credit report I have spoken with 6 Affirm Managers who all say something and respond differently and sent proof of purchase and payment numerous times to both XXXX and Affirm ( latest email of proof was XX/XX/XXXX ). The " 3rd party '' collection Agency " True Accord '' did receive the collection action and returned it the same day, denying me to make any payment back to Affirm because it was not a valid collection. Affirm has since denied receiving any cancelation and has denied me access resolve this matter. 

I have even went out of my way to offer to pay this erroneous amount of {$3300.00} just to get it off of my credit report and Affirm has denied any attempt to allow me to make any payment. 

I have spoken with 11 Associates, and 6 managers To include a three way discussion with ( Affirm ) and True Accord on ( XXXX ) which an attorney from True Accord stated they sent the account back to Affirm on XXXX and they have nothing to do with this issue. This almost a year ago!!!! 

This circus has gone on long enough with zero attempts by Affirm to resolve this matter in a reasonable time frame. ( 10 months ) This is a violation of my rights according to the FCRA and I would like this complaint to be resolved as soon as possible and my credit report updated as well.. Thank you XXXX XXXX XXXX
Product: Vehicle loan or lease

Credit Acceptance Corporation po box XXXX XXXX, MI XXXX Dear Credit Reporting Department , I am writing to formally address a serious violation of my rights under UCC 9-609 , related to the wrongful repossession of my vehicle, which occurred on XX/XX/year>. It is my understanding that, under UCC 9-609, a secured party may only repossess collateral without a court order if the repossession is conducted in a peaceful manner. 
However, in this instance, no court order was obtained, and your actions resulted in a breach of my peace, which is not only unlawful but also entitles me to statutory damages. 
To clarify, UCC 9-609 explicitly requires that repossession must be peaceful. The actions taken by your company and Specializied Towing located XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX which include the seizure of my vehicle without notice or consent, were not peaceful and caused a significant disruption to my daily life. This breach of my peace, combined with the fact that no court order was obtained, makes your actions a clear violation of my rights under the Uniform Commercial Code. 
As a result of this violation, I am entitled to statutory damages under UCC 9-625, and I hereby demand compensation for both the financial harm I have suffered and the breach of my peace. Specifically, I am entitled to : 1. The Full Financial Charge for the Vehicle : The total amount owed for the vehicle, which is {$47000.00}, as a result of your unlawful actions in repossessing the vehicle without legal authorization.

2. An Additional 10 % of the Purchase Price : As provided for under the relevant provisions of the Uniform Commercial Code, I am entitled to an additional 10 % of the purchase price of the vehicle, which is {$2600.00}. 
Therefore, I am requesting a total of {$50000.00} to be paid to me as statutory damages for this violation. This amount represents both the financial harm caused by the unlawful repossession and the additional damages for the breach of my peace. 
Please respond in writing within 15 days from the date of this letter, confirming your agreement to pay the full amount requested. If I do not receive a satisfactory response within this timeframe, I will be forced to pursue further legal action, including filing a complaint with the relevant authorities and seeking judicial relief through the courts. 
I trust you will treat this matter with the seriousness it deserves and resolve it promptly. Please direct all correspondence regarding this issue to the contact information provided above. 
Thank you for your prompt attention to this matter. I look forward to your timely resolution and response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax to have two inquires removed from my account and they said it was verified and they cant remove them. They instructed me to file a report with cfpd. By law these inaccurate inquiries must be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

We are a registered company in the USA. We opened a paypal recently to receive and send money. Paypal labeled our account suspicious and permanently banned it. We submitted personal identification to get it unbanned but to no avail. They will not release our money for 180 days now. More concerning, they wont let us unlink or bank or card information. We think it was very unreasonable and would like to cancel all services with them and withdrawl our funds.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Collection XXXX XXXX XXXX XXXX XXXX XXXX Inquiries XXXX XXXX XX/XX/year>XXXX XXXX XXXX XX/XX/year> Late Payment XXXX XXXX XXXX XXXX
Product: Credit reporting

Re : Equifax tracking # XXXX Customer Reference : XXXX Equifax sent a credit report for my XXXX listing XXXX judgments and over XXXX liens, all of which pertain to other companies, not mine. 

-- XXXX XXXX has only ever operated in the State of California, with all our clients also located in the State of California. Most of the companies listed in the report are from other states. 

-- My business has never missed or been late with a credit card or any other loan payment. 

-- My business has never had a judgment against it, nor has there ever been a legal claim filed against it. 

-- There are not now, nor have there ever been any liens against my business.. 

Therefore, the listing of companies that have nothing to do with myself or my business, is erroneous and the result of either fraudulent claims by other parties or negligence on the part of reporting agencies who failed to cross-check names, TIN numbers, and/or addresses. 

These errors have adversely affected my credit report, resulting in the loss of credit from at least one lender.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 4th endeavor 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 items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

Vehicle was repossessed and/or sold by the lender. The negative amount still remains on my credit report. Most recent modification made was in XX/XX/2022 by the finance company. The amount seems to change and that how I'm made aware of the modifications by the lender.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavors 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 alleged fraud or extortion. 
XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX/XXXX/XXXX
Product: Checking or savings account

There are two issues pertaining to all Wells Fargo accounts I closed on XX/XX/2018. Issue one concerns the secured card collateral of XXXX dollars the bank never returned after closing the secured card. The bank claims it takes 60 days to send out the refund. Issue two concerns the payroll check issued from my employer the bank received, but claims it needed me to provide information from the employer to verify the amount and it's date of issue. After contacting Wells Fargo customer service, the representative claimed that in order to receive any documents that verify the bank received any ACH deposits from the employer, I had to pay XXXX dollars. This is ludicrous! To add insult to injury the customer service person stated that it would take an additional two days before the bank began the process to verify any ACH deposits. Something is definitely amiss and it's time for someone to look into the situation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, NEW YORK, XXXX Date : XX/XX/XXXX Subject : Complaint against XXXX XXXX XXXX for unauthorized consultation of my credit Dear Sir, I am writing to file a complaint against the company XXXX XXXX XXXX, following actions that violated my rights as a consumer and caused damage to my credit score. 

On XX/XX/XXXX, following a pre-qualification obtained Via XX/XX/XXXXXXXX, my Wife and I went to XXXX XXXX XXXX to purchase a XXXX XXXX XXXX. However, after purchasing this vehicle, I was surprised to find that the XXXX XXXX XXXX XX/XX/XXXX had ran up my credit file with several financial institutions on XX/XX/XXXX, without my prior authorization. 

This unauthorized consultation of my credit, carried out by XXXX XXXX XXXX, constitutes a clear violation of my consumer rights. The institutions with which my credit was consulted are the following : * ALL FINANCIAL *XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * XXXX * XXXX * XXXX XXXX VIA DEALER This action had the direct consequence of deteriorating my credit score, which created considerable financial and personal harm. Despite my numerous reminders and my approaches to XXXX XXXX XXXX, no action has been taken to rectify this situation or to repair the damage caused to my credit file. 

I therefore request the urgent intervention of the CFBP so that an investigation is conducted into this situation, that corrective measures are taken, and that XXXX XXXX XXXX assumes its responsibility by repairing the damage suffered. In particular, I request the correction of my credit score and the clarification of this illegal consultation. 

I thank you in advance for the attention you will give to this complaint. I remain available to provide any additional document or information necessary for the examination of this file. 

Pending your response, please accept, Madam, Sir, the expression of my distinguished greetings. 

XXXX XXXX XXXX
Product: Student loan

Originally, my secured and unsecured loans were with Sallie Mae, who I'm guessing sold to Navient. Navient wanted {$900.00} a month and I couldn't pay that amount monthly. They suggested I try the Income Driven repayment plan I have been on that plan for a few years. My monthly payments change every year but what's not happening is the balance isn't going down but up. I have called asking why I can't have a lower monthly payment that doesn't go up until I pay off my loans and never get a straight answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to look at the response from CFPB in regards to the complaints I did on XX/XX/2019 and this was the response I got : Company 's Response Thank you for submitting your complaint on XX/XX/2019 through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We have reviewed and considered the information you have supplied through the CFPB portal and directly to Experian. In your complaint, you indicated that you have a collection account listed on your credit report that is not yours. You would like the account removed from your credit report. According to our records, the disputed information does not appear on your current Experian credit report. We are in the process of forwarding you a copy of your credit report for review. For additional assistance, you may call the toll free telephone number provided on your personal credit report obtained directly from Experian, or write to Experian at XXXX. XXXX XXXX, XXXX, TX XXXX. For more information regarding your credit and frequently asked questions, you may visit XXXX XXXX XXXX. Thank you for submitting your complaint through the CFPB Complaint Portal. It is our policy to respond to consumer complaints swiftly and to take each complaint seriously. We appreciate you letting us know about your experiences with Experian. However I looked at my credit report and the fraudulent collection is still on there, both XXXX and Experian.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccurate in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating that the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), XXXX U.S.C. XXXX ( a ) ( 1 ) ( A ) - ( B ) as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Eqifax complies with federal law and provides consumers with the necessary proof of investigation. 

The accounts are XXXX XXXX XXXX and XXXX XXXX XXXX