23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Continue calls under unknown caller. Say they are from HRRG? Tried to call but they were unable to verify my information leading to my concern if they were legitimate. Attempted to go to the website but this required a PIN which has yet to be disclosed to me? No letter or email has been sent. They have called almost daily about this in the last 2 weeks and left voicemails without other ways of contacting them except calling back a number. I do not feel this is safe and I do not know what this is in regards to which is my right. I appreciate any advise regarding the above.
Product: Money transfer, virtual currency, or money service

I use Robinhood. On XX/XX/year>, I got a message saying XXXX  amount and this XXXX  amount from XXXX was sold. Got a notification saying the funds were being transferred to a made up XXXX XXXX. Actually XXXX XXXX XXXX cards. I freaked out. Called Robinhood immediately. Was on the phone with one person for quite some time. He was asking me a bunch of questions. He even told me that from XXXX different locations ( XXXX and some place in XXXX  ) the transactions happened. I live in XXXX, XXXX. Long story short, they refuse to give me my money back. My account was compromised. Please help. Robinhood has the WORST customer service ever! They will not help at all. I lost over {$3100.00}. They are like basically oh well!
Product: Credit reporting or other personal consumer reports

sent letters out to the credit bureaus Experian, XXXX and XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX still no reply. Its been over 90 days. please delete and remove what hasnt been verified. 

XXXX XXXX XXXX verify the debt XXXX XXXX XXXX verify debt XXXXXXXX XXXX account paid, creditor agreed to completely remove. 

XXXX XXXX XXXX- account paid, creditor agreed to completely remove.
Product: Credit reporting or other personal consumer reports

I notified XXXX and TransUnion on XX/XX/2023 and informed them both I did not provide written permission to report the following account on my credit report, this account is a result of fraud : XXXX XXXX XXXX. I requested both XXXX and TransUnion to block and delete this account from my credit report within 4 business days. XXXX and TransUnion are in violation of FCRA 15 USC 1681b ( 2 ), as well as FCRA 15 USC 1681c-2. XXXX and TransUnion are continuing to report this account which constitutes a violation of FCRA 15 USC 1681n which is willful non-compliance.
Product: Debt collection

XX/XX/XXXX, I received from XXXX XXXX XXXX Notice of Intent to Foreclose for a lender and amount ( XXXX ) I was unaware of. When disputed, they informed me of the original debt was with XXXX XXXX. While, I was familiar with XXXX, the debt was charged off in XXXX. For seven years, there was no communication from XXXX or Linear Mortgage , LLC, indicating it had been turned over to a new servicer. 
Throughout the dispute, Linear Mortgage , LLC back dated interest, and late fees from XXXX until the XXXX to support their Intent to Foreclose notice. All of which was discovered during the process of negotiation with me hiring an attorney. Linear Mortgage , LLC agreed to forgo additional fees and only to pay $ XXXX However, they submitted updated Notice of Intent to Foreclose for $ XXXXnaming themselves as 1st Position. The information regarding Loss/Mediation wasn't forwarded to me until XXXX of XXXX It was later discovered that Linear Mortgage , LLC was not licensed to act as a debt collector in XXXX XXXX or anywhere on the consumer licensing information site. Since they are unlicensed and my former attorney informed them they were to cease with collecting, that have now signed my Deed of Trust over to XXXX XXXX XXXX. Unfortunately, my attorney has withdrawn from the case and I am left without any resolve.
Product: Mortgage

I had an initial mortgage loan with XXXX XXXX created in XXXX. In XXXX this mortgage was transferred to SELECT PORTFOLIO SERVICING , inc. From XXXX to current I've been paying taxes through escrow with little variation in my monthly payment. In XXXX the mill rate was based on a fair market value of {$200000.00} and in XXXX the mill rate was based on a fair market value of {$130000.00}. AGAIN, there was little variation in my monthly payment during this time and clearly my property taxes being paid through escrow were significantly lower. 
Despite all these facts, XXXX XXXX claimed a {$2900.00} " escrow advance '' during XXXX just prior to the transfer to SPS. Keep in mind they only paid {$1700.00} to the county in taxes! RATHER THAN SPS disputing this " advance '' they applied this to my loan as a fee that would ultimately create " fees '' and " charges '' of {$8700.00} in total as of XXXX! 
SPS continues to justify this fraudulent charge of {$2900.00} an all the subsequent fees and charges rather than removing from our account immediately. 
I've submitted to SPS the tax payment record from XXXX direct from my county showing exactly what was paid by XXXX XXXX during XXXX. Why is this legal?!
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Debt collection

I am disputing improper service of a legal document Both my wife & I was out shopping on XX/XX/21 which I can provide proof of date & time with receipts. I came home in the evening and noticed on my door there was a copy of a summons & complaint shoved in the crack of my door as if I was served.
Product: Credit reporting or other personal consumer reports

As of XXXX XXXX XXXX XXXX XXXXXXXX said that they are going forward the information to a collection agency because of the Fair Credit Act they will pause on pursuing me.
Product: Checking or savings account

Wells fargo is holding to my money for the amount of XXXX dollars and refusing to give me my money back. 
They are claiming there was recall on my account and they froze my account and held in to my money. That was back in XXXX if 2022 and every time i call they say the money is in transaction to be send back to the lender. They refuse yo pay me back or put the money towards my home equity loan. 
They refuse to explain anything to me.
Product: Debt collection

I got a letter in the mail offering me payment offers from Jefferson Capital, they claim that I owe XXXX XXXX {$1900.00}. I do not have a XXXX Account and have previously addressed this with XXXX XXXX XXXX and XXXX XXXX as they have my address attached to the person who really has the debt. XXXX Police Dept # XXXX was the first report I claimed for Identity Fraud. But, I also called twice to explain that they are sending this claim to the wrong person. The real person lives at : XXXX XXXX XXXX XXXX, XXXX, IL XXXX. The last bill arrived on XX/XX/XXXX, previous ones from different companies go way back to XXXX. Please stop sending me her bills!
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block , inc ) due to inadequate customer service and unfair practices, which violates the consumer financial protection act ( cfpa ). Specifically cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( efta ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

I get calls ev eryday 6 or more tim es a day they start at  XXXX  until  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a victim of identity theft. I notified Equifax of this unauthorized account that was opened fraudulent. Ive provided Equifax with police report in XXXX XXXX.Ive also provided an affidavit in XXXX. Ive filed several disputes. Equifax continues to report fraudulent information on my credit report. The name of this fraudulent account is XXXX XXXX XXXX ( a debt purchaser ) with the amount of {$18000.00}. This company purchased this fraudulent debt from XXXX XXXX XXXX XXXX. This fraudulent account is on my credit report under collections. Ive suffered for XXXXyrs unable to buy a home or get other credits because of this fraudulent account & other fraudulent accounts Ive disputed. Im XX/XX/XXXX, I was impacted by the Equifax data breach. My identity was stolen and I was not reimbursed for time loss & money spent from the approved settlement. I suffered XXXX  years ( XXXX hrs ) from this impact. Because of time spent to get items removed, being denied credit, spending more out of pocket costs because of poor credit due to fraudulent accounts opened after data breach.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 as proof from the US Federal Trade Commission that all 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

This compliant is against XXXX. As an XXXX professional with the federal government it 's my belief that XXXX are knowingly committing fraud against customers. 

I was conducting a transaction to wire funds to my son for school in XXXX XXXX different times prior to calling for assistance. The transactions did not go through with success indicating that I had to call for assistance. When at the select the option page ; credit/debit card or bank account I 'd selected bank account due to the lower cost which was {$25.00} versus {$45.00} for credit/debit card. The bank account information is linked to the account stored. My account is a combined checking/savings as many accounts are. When speaking with the tech assistant he had me walk through all of the steps I 'd previously attempted. At the end I received the same " We 've Encountered An Error '' message. The tech stated that I should contact my financial institution regarding the account. I stated that there 's no problem with the account. The tech told me that I should try it using my credit/debit card. I told the tech that I 'm an IT professional and I 'm aware of what is going on with their system. It 's my belief they have set something on the back-end of their system/servers that intentionally causes this error to occur when a member select a cheaper option allowing them to defraud and take advantage of customers whom may have loved ones in dire need of funds. If they are doing such I would believe this to be a form of wire fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my continued endeavor to tell you that I am a victim of identity theft and I complain to question specific items 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 items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I opened a new account at Citibank in XXXX XXXX and at first I was a victim of fraud and then the second thing melwas I deposited a check because I sell things on XXXX and someone pay me by check and it bounced so then I got a deposit it two more checks at an ATM when was a third-party income tax check for {$290.00} the other was a XXXX XXXX credit card check for someone that bought things from me and I helped XXXX XXXX XXXX so that was also like on XXXX first thing told me that they would release {$200.00} then in a couple more days of the deposit was made on duty on XXXX XXXX in a couple more daysrelease {$400.00} called so where are you going they called XXXX XXXX XXXXwere the check was drawn on to see if the check would clear and XXXX XXXX 's of the check was good they still would n't release it because they wanted to talk to the person that wrote the check and do like a 3-way conference call XXXX XXXX so we do n't do that so they still have my account on freeze said it would be released XX/XX/XXXX or the XXXX came around they still wo n't release it and she 's the branch manager told me that the only person that can release me sit is the fraud department so I called the fraud department the next day and they still wo n't release it they said they told me I needed a notarized signature from the third party income tax check so I told them why have power of attorney because the person is a vet and an advocate for veterans and they were in the XXXX XXXX at the VA because of her XXXXXXXX XXXX and ca n't get out so I had power of attorney they still release it so then they said that I needed they needed a signature from the woman that wrote the {$2000.00} check so I went and got a notary signature for the one with the {$2000.00} check and took that nto my bank last Thursday which was the XXXX and they were supposed to fax it over to the fraud Department well I checked and they did n't do it they did n't do it so on Friday and every time I tried to call the bank no one answers so on Friday the XXXX that someone I had someone from the fraud call the branch that is at I mean the branch I use and they said that is taken care of and the check was mailed to me well I never got any check and so I called again and I keep getting the runaround from people they would n't tell me anything they said I have talked to the fraud department and then they said now they want more documents so I 've about had it there 's no reason that you should have so now they 've had to check the for one month they have not released any of my fiunds. and this is Citibank and the branch that I meant to it is like XXXX XXXX & XXXX XXXX XXXX zip code XXXX so now I 'm back to square one trying to find more documents for them but the checks have been cleared for over two and a half weeks it 's absolutely ridiculous there 's no judgement to keep my account Frozen there 's no reason why they ca n't come give me my money
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my deep frustration and disappointment regarding the ongoing issues I have been experiencing while trying to remove inaccurate items from my credit report through Equifax and XXXX Credit Bureaus. 

Over the past few months, I have made several attempts to correct the inaccuracies that have been incorrectly reported on my credit report. Despite my persistent efforts, the situation remains unresolved. I believe it is essential to provide a brief overview of my attempts : I initially noticed the inaccurate items on my credit report and promptly contacted Equifax and XXXX Credit Bureaus. I explained the situation and submitted the necessary documentation, including [ provide a brief description of the documents submitted ]. I was assured that the issue would be rectified promptly. 
After not receiving any updates or resolutions, I followed up on the status of my case. I was informed that my case was under review and that I would be contacted shortly. 

To my dismay, I had still not received any updates or resolutions. I made another inquiry and was told that my case had been escalated, and that I should expect a resolution within a specific timeframe. 

The timeframe for resolution passed, and I had yet to receive any communication or see any progress in removing the inaccurate items from my credit report. I contacted Equifax and XXXX Credit Bureaus again, only to be told that my case was still under investigation, with no further information provided. 

This cycle has continued without any meaningful progress, despite my providing all necessary documentation and complying with Equifax and XXXX Credit Bureau 's requests. The inaccurate items on my credit report are significantly impacting my financial and personal well-being. 

I kindly request the following : Immediate action to remove the inaccurate items from my credit report. 
Clear communication regarding the status of my case and the steps being taken to rectify the issue. 
A formal written acknowledgment of the removal of the inaccurate items. 
Compensation for any financial losses or damages incurred as a result of these inaccurate items. I am asking for your immediate assistance to remove the following fraud items : DEPT OF ED/XXXX XXXX XXXX XXXX XXXX, XXXX Balance {$0.00} DEPT OF EDXXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Balance {$370.00} XXXX XXXXXXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$760.00} XXXX XXXX XXXXnquiry : XX/XX/XXXX DEPT OF ED / XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$0.00} DEPT OF ED / XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX Balance {$760.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$370.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX and XXXX of 2021 I filed a dispute with this bureau about the unverified account : XXXX XXXX  XXXX and XXXX XXXX. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 2 months as of today. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I Am, XXXX XXXX submitting this complaint to EXPERIAN INFORMATION SOLUTIONS INC and there is no third party involved. EXPERIAN INFORMATION SOLUTIONS INC has violated 15 usc 1681b ( 2 ) by furnishing inaccurate items on my consumer report WITHOUT THE WRITTEN INSTRUCTION OF I, THE CONSUMER. I DEMAND REMOVAL/ DELETION EFFECTIVE IMMEDIATELY AND I DEMAND A COPY OF MY WRITTEN INSTRUCTIONS WITH A WET SIGNATURE. These items are inaccurate and different amongst all three credit reporting agencies - XXXX  account number XXXX, XXXX XXXX  account number XXXX, XXXX XXXX account number XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX account number XXXX, XXXX account number XXXXXXXX XXXX XXXX XXXX account number XXXX, XXXX XXXX account XXXX XXXX, XXXX XXXX account number XXXX. THE FOLLOWING ACCOUNTS ARE INNACURATE AND I DEMAND PAYMENT HISTORY BE UPDATED REFLECTING POSITIVE HISTORY ONLY- XXXX ACCOUNT NUMBER XXXX, XXXX XXXX ACCOUNT NUMBER XXXX. I ALSO DEMAND EXPERIAN INFORMATION SOLUTIONS INC VERIFICATION METHOD. WITHOUT RECORSE
Product: Credit reporting or other personal consumer reports

I wanted reported account removed. 

XXXX XXXX XXXX : XXXX. XXXXXXXX XXXX - XXXX XXXXXXXX XXXX XXXX VIA DEALER Inquiry : XXXX XXXX XXXX + XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX ( XXXX ) XXXX Institution Information XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX Institution Information XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

XXXX and Goldman Saks are nor fixing the incorrect balance reported of my apple credit card Gc. 

After 8 months XXXX still showing a balance of {$2600.00} affecting my credit score and causing damaging financial issue. i ask them to fix it but after XXXX  months still no update. 

My credit balance hasnt been update to XXXX since XX/XX/year>. 
If apple card doesnt want to report they have to remove it or update it with the correct balance. 

I contact both companies but unable to fix the issue Both XXXX and XXXX  are reporting the correct balance. 
I added some screenshot below to show the error
Product: Checking or savings account

I had unauthorized transaction on my account on XX/XX/2023 I called report the same day they I need to wait until the transaction is posted in my account it was posted in Friday than in Saturday it was denied it was system determined it was valid no erro occur I called them not helping at all I dont know what to do keep telling them contact the merchant they are refusing
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 infeasible.The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams .This lack of accountability and transparency is raised serious concerns about consumers safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I can not dispute item and my report has duplicates where they pages are repeating themselves and appears to be very long
Product: Credit reporting or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX