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

I have been trying to get Equifax to fix this issue for months. They have a XXXX XXXX bankruptcy on my credit report stating that I filed on XX/XX/XXXX. This is incorrect. I did not file on XX/XX/XXXX. I filed bankruptcy XXXX XXXX XX/XX/XXXX. I moved to Florida XX/XX/XXXX. So how could I file for bankruptcy in Michigan XX/XX/XXXX?. Im getting very frustrated  that this issue hasnt been fixed yet. I am claiming the bankruptcy is mine. But the dates are wrong. I want this removed off my credit report immediately because they are failing to do a proper investigation to collect the right information. Because they are failing to fix the issue, it is effecting a lot of things I am trying to accomplish, such as renting an apartment. Because they see date filed XXXX XXXX on my credit report. When it isnt true. I do not know whats the problem with Equifax. But it seems to me that they are purposely keeping this incorrect information on my credit report to defame my name, and keep collecting money off of it. At this point, if this false information isnt removed off my credit report I will get a lawyer and take legal actions. Because all I asked for is to have the date fixed. Which Equifax has failed to do. Now I want it removed completely. Ive attached a lease contract with the state and address I lived at. And it also shows the date I moved in. This shows you proof that I was not living in Michigan XXXX. So its no way I couldve filed for bankruptcy in Michigan on that date.
Product: Checking or savings account

I am a victim of check fraud by mail. I mailed out XXXX XXXX property tax ( {$2600.00} ) on XX/XX/22 at post office. A vandal erased my check paid to the country tax assessor to their name XXXX XXXX, erased my signature and forged my signature. 

Unknown person cashed check on XX/XX/22. I was not aware since check number and amount is correct to the amount written to XXXX XXXX tax assessor. Vandals signature was not matching my signature on file. He is also chase bank customer. Bank has all his information on file. 
I noticed this fraud after I received a delinquent tax notice on XX/XX/22. I reported to Chase ( XXXX ) claim # XXXX immediately. XXXX Police ( XXXX ) report ID XXXX. Postal inspector police ( XXXX ) service # XXXX. 

The bank stated it was possible no refund since passed 30 days. I did report immediacy .They stated they usually did not check matching signature if deposit via ATM since so many checks every day. They only check signature if walk in. Why it is a different policy? 
The bank did not alert me and flag account for fraud even thought the signature is not a match. I feel my bank should protect me since I trust Chase bank and put all my money with Chase. This is my only one problem transaction I have ever experienced while being with Chase. I will not mail checks anymore as there are other safer options available to the consumer. Chase bank should ensure a safe and sound federal banking system for all customer. 
Please help me call chase bank at XXXX case number XXXX to refund me the money I lost to my account.
Product: Credit card

XX/XX/XXXX - Received XXXX Branded Credit Card ( TD Retail Card Services ) that had been fraudulently opened and used to make purchases XX/XX/XXXX - Called TD Retail Card Services Fraud Department to report fraud and open a case XX/XX/XXXX - Filed report with local police department XX/XX/XXXX - Followup call was made to TD Retail Card Services Fraud Dept- confirmed that my case was received/opened on XXXX XX/XX/XXXX XXXX - Followup call was made. Investigation was still pending XX/XX/XXXX - Followup call was made. Investigation still pending but letter was sent to my address to review, sign, and return a Declaration of Fraudulent Activity XX/XX/XXXX - I sent a separate letter, Proof of ID, identity.gov report, and police report to TD Retail Card Services Fraud Dept via certified mail XX/XX/XXXX - I received in the mail the letter dated XX/XX/XXXX. Their request was to return the signed declaration within 14 days so I scanned and emailed the signed declaration, letter, proof of id, identity.gov report, and police report XX/XX/XXXX - I called the Fraud Specialist handling the case who informed me that the case was closed because there was no response. The specialist claimed the declaration was mailed on XX/XX/XXXX. This contradicts all previous phone calls. Also, I complied with the letter received on XX/XX/XXXX by emailing signed documents within the 14 day period. A new Fraud Case was opened and processed with my already signed affidavit. 
XX/XX/XXXX - Followup call to Fraud Dept - Specialist said I was not responsible for charges and a letter would be sent out. 
XXXX - Received Final letter from TD Retail Card Services Fraud Department dated XX/XX/XXXX stating that " We have closed the above referenced account to prevent its future use. You will not be responsible for any purchases made on this account. '' XX/XX/XXXX - Received Account Statement ( same account number as before ) with new transaction posted on XX/XX/XXXX. Called fraud dept and opened another case.
Product: Checking or savings account

On XXXX XXXX, my XXXX elderly ) mother sent me a bank to bank wire for $ XXXX. Turns out she left a digit out of my account # when she sent it. The wire DID have my full name and address ( matching the records on my bank account ). The $ XXXX was inevitably deposited into an active account with XXXX. Her bank, sent an amendment to the wire on XXXX XXXX, XXXX. XXXX has confirmed receipt of this amendment. Since then, I have been given a XXXX XXXX XXXX XXXX #. I have been told the account the money went into is an " internal XXXX account '' but that they would need to get an authorization to remove this money before it can be put into my account. I do n't understand if it 's an INTERNAL account, why they ca n't just do the right thing and move the money into my account ... the intended receiver of this. This money was sent for a medical emergency ... and I am still awaiting treatment, due to not having this money. This is very urgent. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

FTC Violations OCC Assesses {$60.00} XXXX Penalty Against XXXX XXXX, Orders Bank to Reimburse Consumers for Unfair Billing Practices Leading Debt Collector Agrees to Pay Record {$2.00} XXXX to Settle FTC Charges XX/XX/2011 FOR RELEASE A leading debt collection company has agreed to pay a civil penalty of {$2.00} XXXX to settle Federal Trade Commission charges that its aggressive collection techniques violated federal law. As part of its efforts to protect consumers affected by the struggling economy, the FTC alleged that XXXX XXXX XXXX, XXXX violated the FTC Act and Fair Debt Collection Practices Act. 
XXXX XXXX {$910.00} XXXX  XXXX {$130.00} XXXX XXXX   XXXX XXXX late flexible spending card XXXX {$210.00} XXXX XXXX XXXX  {$540.00} XXXX   XXXX  {$510.00} XXXX XXXX XXXX {$980.00} XXXX XXXX XXXX {$340.00} XXXX Inquiries : XXXX   XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX wrong names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Ct XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX
Product: Credit reporting or other personal consumer reports

To : EQUIFAX DISPUTE CENTER XXXX XXXX XXXX XXXX, GA XXXX Re : Reporting Fraudulent Unauthorized Credit Inquiry To whom this may concern, I am writing to formally request the removal of unauthorized credit inquiries from my XXXX credit report. Upon reviewing my latest credit report, I discovered ( 8 ) eight credit inquiries that were not authorized by me. These inquiries are in direct violation of 15 USC 1681C-2, which mandates their immediate removal. I kindly ask for your prompt attention to this matter and for the necessary actions to be taken to rectify this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself. I have been patiently waiting on Equifax 's response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my credit report : ( XXXX XXXX XXXX )
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I obtained a copy of my consumer report from the consumer reporting agencies ( XXXX, XXXX, Experian ) I noticed multiple accounts furnished with inaccurate information. I had previously contacted these corporations requesting an investigation however to no avail. The accounts in question are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX None of these accounts have been properly verified nor have I ever entered into a consumer credit transaction with these corporations. According to 15 USC 1681s ( a ) you are required to provide adequate evidence for maximum accuracy in your reporting. A copy of a legally binding contract with my wet ink signature will suffix between these companies in myself if this evidence can not be provide after your investigation then you must according to the FCRA permanently remove these items from my consumer report because they are causing grave damage to my overall character.
Product: Mortgage

Security National Mortgage refuses to pay insurance premium although loan escrowed insurance.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion not helping when calling there customer service line and know help working with me when I try disputing inquiries thats on my credit report there fraudulent and like them removed off report
Product: Money transfer, virtual currency, or money service

Im writing to formally addressed my concerns regarding Zells handling of disputes, particularly in light of recent CFPB lawsuit highlighting significant issues with the platform despite using the numerous times and reporting description cc my financial institution and still feel to investigate. My cleaned adequately day before me that youre covering lost ones was impossible and the tracking these transactions were unfeasible the FCFPBS findings indicate the zoo has not only neglecting to protect consumers, but also allow repeat offenders to exploit the system. Leaving Users vulnerable to scams
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of specific fraudulent accounts and inquiries from my credit report. I am a victim of a recent data breach, resulting in unauthorized accounts and inquiries on my report. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these items blocked and deleted from my credit history. 
Fraudulent Accounts : XXXX. XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$2100.00} XXXXXXXX XXXX XXXX XXXX  Account # XXXX Opened XX/XX/XXXX Balance : {$0.00} XXXX. XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$2100.00} XXXX. XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$9600.00} XXXX. XXXX XXXX  Account # XXXX Opened XX/XX/XXXX Balance : {$2000.00} Fraudulent Inquiries : XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX
Product: Checking or savings account

I closed my account and went to a different bank. A couple of weeks later I came back to Wells Fargo and reopened my accounts. I was told by the teller she would open new accounts the same as what I previously had. She opened up different types of accounts then she told me with daily spending limits. I told her the daily spending limits wouldn't work for me and she told me they were temporary and would be automatically taken off within a few days. Upon not being able to pay my rent with my card because of the daily spending limits, I went and talked to a banker who informed me the type of account the original banker put me in was not eligible to have the spending limit removed. I was lied to and taken advantage of by my local Wells Fargo banker.
Product: Consumer Loan

I am currently in default of my vehicle. I have provided the company with all documentation that has caused my default. I called today to make arrangements to pay the full balance on XXXX/XXXX/15 and they are refusing to accept my payment. But are making statements that I will have to pay fees to retrieve the vehicle from repossession. In addition, I feel the contract was forged because the car was initially only work {$5000.00} and now the loan is up to $ XXXX because apparently they gave me the full amount that I qualify for even though the vehicle was not that amount.
Product: Debt collection

I looked at my consumer report and noticed an account that I didn't recognize and was reporting negatively. 

Account name : XXXX XXXX XXXX XXXX XXXX {$8500.00} ) I disagreed with this claim, so I disputed with a dispute letter that I sent certified tracking receipt to keep record of our communication. In My dispute letter I asked validation of the debt, verification of their claim against me in an invoice, disclosure pertaining to my privacy, and several other documents that are required to be presented to consumer upon request and that these documents be reviewed by a lawyer and mail to me. If they fail to be able to provide these documents to please cease use of my information, delete any report, you provided to any CRA 's and payment of my invoice. Nelnet customer solutions send me an email responding to my dispute asking to give them 30 to respond by mail.They have failed to respond in a timely manner so i would like to excerise my civil rights
Product: Credit card

I received a credit for a flight on XXXX XXXX on XX/XX/XXXX of {$6500.00} x XXXX persons due to an illness. It was credited back on the credit card, Capital One XXXX. I called Capital one on XX/XX/XXXX to get a check sent to me and they said it would take a week. I called back a week later and they said because of the amount of the credit, it would take 10 days. I called back today XX/XX/XXXX and they told me it was actually 15 days and that 15 days wouldn't be until XX/XX/XXXX. They would review it then and issue a check within 10 days and mailing it would take another 10 days. 

The length of time that Capital One has held this money back from returning to me is unwarranted and the time requirements to issue the return is extreme. I am a long time customer of Capital one and hold an excellent credit rating. The money returned from XXXX XXXX is legitimate and will not be called back. There is no reason for them to take XXXX weeks to return money to me. I have called 3 times and all they can say is they have requested a review and they will get back to me. 

Please help me get my money back and require them to be more diligent and responsible in returning their customer 's money back.
Product: Credit card or prepaid card

XXXX XXXX XXXX Unauthorized transaction times and date Police report filed with XXXX police department PayPal prepaid card Customer service Im Writing in regards to being credited my XXXX. I was home in XXXX ca when I started receiving text messages at XXXX XXXX $ XXXX XXXX $ alerting that money was being withdrawn from my prepaid PayPal account XXXX at an XXXX atm located in XXXX XXXX Ca. I am a hard working front line worker for the county of XXXX XXXX. XXXX XXXX XXXX XXXX. I worked hard for the holidays I just had my money deposited into my account the night before. I have taken the extra mile and filed a police report with my jurisdiction department please can you have my funds credit back to my account so I can pay my bills these times are really hard for my family PayPal customer service is not helping one but Im receiving rude attitude theyre hanging up leaving me on hold just all around terrible assistance Ive been a loyal PAYPAL PREPAID CARD HOLDER FOR OVER 5 years
Product: Credit reporting or other personal consumer reports

I had a student loan debt that was forgiven. The company XXXX has not updated my credit after 90 days. I submitted a dispute to the credit bureaus on XX/XX/2023. I provided to the bureaus the debt forgiveness letter for the lender/government and a copy of the zero-balance statement from XXXX. On XXXX XXXX, I received an email from Experian so that they " verified '' the incorrect balance from XXXX. I asked them to mail me the procedures they used to " verify '' the debt they refused to provide me any additional information. Experian did not verify the debt as required and did not provide the information I requested. I know the information is inaccurate as I have the forgiveness letter and can see on my account that the balance is zero and I also received my dispute results from XXXX on XX/XX/2023, and XXXX correctly updated the disputed account showing the correct balance as XXXX and updated all the information to show the correct information. XXXX provided a detailed statement showing their procedures they used to verify. So, if XXXX was able to correctly update the account and provide the correct information, why is Experian unable to do so and why are they refusing to provide me the verification information i requested?
Product: Debt collection

To whom it may concern, I am writing this complaint against the XXXX XXXX XXXX XXXX and I Q Data International Inc., referring to a debt charged to me, including a debt collection in my name. 
I point out the facts below : 1. I had an apartment rental contract with the XXXX XXXX XXXX XXXX beginning on XX/XX/2022 and ending on XX/XX/2022, i.e. a sixty days ( 2 months ) lease term, as per the attachment XXXX XXXX XXXX XXXX, which I filled and pay in full until the ending date. 
2. Furthmore, I gave to the XXXX XXXX XXXX XXXX a written Non-Renew Lease notice XXXX XXXX ( XXXX ) days in advance, as per the attachment Non-Renewal Advanced Notice.pdf. 
3. After I left the apartment, I started to receive some phone calls from the XXXX XXXX XXXX XXXX and I Q International Data as well as e-mails and a letter charging me a debt, which I do not recognize. Please refer to the attachment Letter from XXXX. 
4. I answered them that a sixty days notice in advance for a non-renewal communication is impracticable, Not Possible, Impossible, because the contract is a XXXX days lease. 
Reading the contract, these 60 days notice in advance would be considered as an early termination, which also makes no sense. 
I also stated to them the guidance depicted in XXXX  XXXX XXXX, which points that a XXXX days notice in advance would be enough. 
Please refer to the attachments Letter to Gardens Page XXXX ; Letter to Gardens Page XXXX ; Letter to Gardens Proof of Delivery.pdf and Georgia XXXX handobook.pdf. 
5. They never listened to me, and further put my name in collection, which is jeopardizing a lot my financial life. 

I kindly ask the CFPB to contact the XXXX XXXX XXXX XXXX as well as I Q Data International an appropriate behavior and actions, as well as to remove my name immediately from the collection status. 

Many thanks in advance, With Best Regards, XXXX XXXX
Product: Debt collection

Kept contacting former employer, and family after I've asked them to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 USC 1681 ( q ) ( 3 ) of the Fair Credit Reporting Act hereinafter FCRA, LENDING POINT used and intentional perversion of the truth to induce the consumer to be reliant upon it to deprive the consumer of it's right to privacy. LENDING POINT reported my private nonpublic and personal information to consumer reporting agencies without lawful authority or actual consent of the consumer thus committing identity theft. These fraudulent actions have caused me to sustain injuries such as a loss of opportunity and wages.
Product: Debt collection

FMS student loan collections : I have been threatened over the phone, they have used intimidation tactics, I have had an agent threaten that I will have my wages garnished. I have had multiple agents disclose the exact quotes, after telling them my name is XXXX, they have screamed at me over the phone stating " you need to confirm your name is XXXX, and your last four of your social is XXXX '' Also One time I told them I had no problem updating my mailing address but I dont want harassing letters sent to me in the mail. And the first thing they do is send me multiple debt collection letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested Transunion, XXXX, and XXXX to send me proof of the method of verification used to report Bankruptcy on my credit ... These agencies knowingly provided false information and therefore are in violation of the Fair Credit Reporting Act. I will be attaching proof. Also, Originally when asked to verify the credit reporting agencies listed the furnisher as the court house. Then prior to the dispute, I requested in writing my XXXX XXXX profile be frozen. Following the investigation of the CFPB it was changed to XXXX XXXX as the furnishor ... After my account was frozen. XXXX County Court does not verify with 3rd parties. Violations below : 609. Disclosures to consumers [ 15 U.S.C. 1681g ] 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] 619. Obtaining information under false pretenses [ 15 U.S.C. 1681q ] Bankruptcy Courts should be the " Furnisher '' not third parties like XXXX XXXX.
Product: Student loan

Hurricane maria passed over puerto rico And i need to get water, food, there 's no energy, economy was affected, etc ... 

I call MRS BPO LLC to request moratorium payments but they refuse it I have doubt of the legit of my account with MRS