23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

In mid XX/XX/XXXX I sold a XXXX XXXXXXXX XXXX to XXXX XXXXXXXX XXXX. They sent BMO Bank a payoff check. BMO drafted a loan payment of {$260.00} on XX/XX/XXXX after they received the payoff check. I contacted them at the end of XX/XX/XXXX and they indicated that I would be receiving a refund of {$260.00}. During that phone call I gave them my new address where I wanted the check mailed to. In XX/XX/XXXX I still had not received the check. I contacted BMO and they said the check was mailed out to my old address. They said once they confirmed the check was not cashed they would mail out a check to my new address, that I confirmed with them once again. It is now the end of XX/XX/XXXX and I have yet to receive my refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has never updated correct amount after receiving payment from.XXXX XXXX  of the prorated payments. This declares this as an inaccurate amount on credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account XXXX XXXX, XXXX  Account # XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX Account XXXX XXXX has violated my rights. 

15 U.S.C 1681 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
Product: Credit reporting or other personal consumer reports

Here is the list of fraudulent inquiry : XXXX XXXX - XX/XX/2024
Product: Mortgage

Aloha, on XX/XX/19 I received my new mortgage statement for the up coming month to be paid in XX/XX/2019. In the statement it showed that I had whats called a short Fall in my escrow or reserve account. This can be common, because taxes and insurance can miss calculated, especially when it comes to Mr. Cooper. The experience is most of the employees are poorly trained and unable to answer any question correctly. When I studied that monthly mortgage statement t, i found the reason for the short fall. If you go back to my previous complaint against these BOZOs # XXXX, you will see that after the CPFB involvement they suddenly made all the corrections. But, what the BOZOs missed was crediting my escrow those two payments. So, I have NO clue where the escrow monies went? But they didnt get credited to my escrow account. Thus causing the short fall. This is now my second complaint against these BOZOs, and it is my hope that the CPFB will place a fine against Mr. Copper, they now have a D rating with XXXX XXXX XXXX, how do you even do that. XXXX XXXX only had a C rating. 
So, we need to get my two months of escrow credited asap thus not requiring my payments to go up due to the miscalculation of Mr. Cooper.
Product: Credit reporting, credit repair services, or other personal consumer reports

CHEXSYSTEMS,, I do not have a contract with them and no obligation to perform, they have no proof of anything and are rico-racketeering criminals, they are reporting deformatory information on me and for what reason,? have i ever received a bill? 
from who?, who ever sent me a varified complaint of a wrong doing? 
dont send me your statements, a statement doesnt prove anything, and who you are and what you do is no concern of mine unless theres a contract, so what the XXXX are these criminals doing? why theyre in the business of EXTORTION and trickery and word semantics, they are CRIMINALS, so what wrong have i done to them? show it to me
Product: Credit reporting or other personal consumer reports

they are reporting balances on accounts that have been charged off for years. 
The original companies already received the tax write off for those balances which means those balances are no longer valid.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against XXXX XXXX XXXX XXXX XXXX XXXX ) due to inadequate customer service and unfair practices, which violate 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: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to lending club, their attorneys, and collection agencies representing them for this charged off debt that was paid via a settlement. I have disputed this with the credit reporting agencies as well as directly with lending club. At present, this item is reporting as a pay status of derogatory as opposed to paid, even though I have worked extremely hard to pay it off. 

Lending Club claims that they are correctly reporting since they " sold '' the debt, regardless, they are still responsible for the proper reporting of the item.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my right, And lists of unauthorized inquiries 15 U.S.C 1681 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I have been using Amazon credit card, managed by Synchrony, for years now. Unlike other companies they dont issue paperless statement to other financial companies to be integrated with their system. In my case, I am using XXXX XXXX XXXX for banking and mostly I can received statements via my bank which make it much easier to manage. Synchrony pushes for paperless statement via email which I have signed up and forgot to follow up and missed the payment on several occasion in past two years hence I was charged late fee and interests. While this inconvenient but It was my responsibility. To avoid this I have tried to switch to paper ( mail ) statements twice since last fall. Assuming that I will receive it in the mail but I have not received for XXXX and XXXX and I was charged fees and interests. 
However, this got resolved when I was checking my finances lately very late night and after back and forth with robo chat someone answered my chats and promptly send me refunded the fees and few days after I received the paper statements only when I mentioned that I have no choice but to file an complaint with CFPB. 
However, in my case over few years this seems to intentional action to deceive customer, create extra hurdle and take advantage of the facts that most people don't closely monitor their Amazon account or bother to follow up. Especially follow up is very time consuming and I personally paid the fee instead of wasting about an hour to resolve it. 
This has the potential to be looked into in details and see what is the rationale that Synchrony does not issue seamless electronic statement with other banks and financial institutes? Why resolutions are much more cumbersome and time consuming that other large banks?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair credit reporting act XXXX  account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 
15 U.S.C 1681 section 602a. States I have the right to privacy. 15 U.S.C 1681 section 604a. Section 2 it also states that consumer reporting agency can not furnish an account without my written instructions. 
In accordance with The Fair credit reporting act XXXX  account # XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602a. States I have the right to privacy.

15 U.S.C 1681 section 604a. Section 2 it also states that consumer reporting agency can not furnish an account without my written instructions.

In accordance with The Fair credit reporting act XXXX  account # XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602a. States I have the right to privacy.

15 U.S.C 1681 section 604a. Section 2 it also states that consumer reporting agency can not furnish an account without my written instructions.

In accordance with The Fair credit reporting act XXXX  account # XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602a. States I have the right to privacy.

15 U.S.C 1681 section 604a. Section 2 it also states that consumer reporting agency can not furnish an account without my written instructions. 
In accordance with The Fair credit reporting act XXXX  account # XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602a. States I have the right to privacy.

15 U.S.C 1681 section 604a. Section 2 it also states that consumer reporting agency can not furnish an account without my written instructions. 
In accordance with The Fair credit reporting act XXXX  account # XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602a. States I have the right to privacy.

15 U.S.C 1681 section 604a. Section 2 it also states that consumer reporting agency can not furnish an account without my written instructions. 
In accordance with The Fair credit reporting act XXXX  account # XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602a. States I have the right to privacy.

15 U.S.C 1681 section 604a. Section 2 it also states that consumer reporting agency can not furnish an account without my written instructions. 
In accordance with The Fair credit reporting act XXXX  account # XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602a. States I have the right to privacy.

15 U.S.C 1681 section 604a. Section 2 it also states that consumer reporting agency can not furnish an account without my written instructions. 
In accordance with The Fair credit reporting act XXXX  account # XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602a. States I have the right to privacy.

15 U.S.C 1681 section 604a. Section 2 it also states that consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

On XX/XX/year> XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX ) filed a lawsuit against me on behalf of Velocity Investments , LLC XXXX XXXX XXXX XXXX XXXX ) in the amount of {$2300.00}. This case was filed in a state different than where the account originated and different from my mailing address. I notified the debt collector months ago that the amount that they're claiming is due, is inaccurate and requested that they stop contacting me regarding the inaccurate debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 10th 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 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.

EXPERIAN : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$5800.00} XXXX XXXX XXXXXXXX Balance Owed : {$4000.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed XXXX {$1300.00} 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 XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX Balance Owed : {$2500.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$18000.00} XXXX XXXX Balance Owed : {$660.00} XXXX XXXX Balance Owed XXXX {$230.00} XXXX XXXX XXXX Balance Owed : {$4000.00} 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
Product: Checking or savings account

Im unable to link my virtual wallet account at PNC with my XXXX  account
Product: Credit card or prepaid card

The drama continues. I just spent at least an hour documenting in great detail the problem I am having. I lost it all. 
Basically, and in far fewer words. I made a purchase from The Childrens Place on XX/XX/2021. I used Childrens Place credit card ( XXXX Bank. ) I paid the account off with my XXXX XXXX Credit card on XX/XX/2021, well before it was due. Comenity Bank has not given me credit for the payment. XXXX ( XXXX Bank XXXX XXXX ( Comenity Bank ) and I were on a conference call where XXXX XXXX gave detailed information proving I had paid this bill with my XXXX XXXX. XXXX stated he was submitting a complaint on my behalf. I have yet to receive any response from them indicating they are researching where the {$110.00} payment was applied. I have continued to receive statements with ever increasing late fees as well as interest. Ive called twice today to Comenity. No resolve. Ive spent at least 4 hrs attempting to resolve this issue. Is Comenity scamming ppl???
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft, I have a FTC report which I will include in the document. I also sent this document to the credit agencies and they have been aware of this but, they are still showing it on my consumer report. It has been over the time period for allowed investigation and they still are reporting it. At this point they are intentionally reporting inaccurate information or not properly investigating and it has tremendously cause emotional and financial stress and anxiety.
Product: Checking or savings account

On the dates of XX/XX/XXXX and XX/XX/XXXX I was robbed by an individual who forcibly took my phone from me and used it to make multiple transactions out of my Wells Fargo accounts through XXXX and XXXX XXXX  The individual also stole personal documents from me including my passport, driver 's license, birth certificate, social security card, debit card and credit card information. 

I opened several claims with Wells Fargo regarding these unauthorized transactions on my accounts. On XX/XX/XXXX I opened an online fraud claim, # XXXX for a total of {$3500.00} for the unauthorized XXXX transactions made by the suspect. 

On XX/XX/XXXX I filed a card claim, # XXXX for a total of {$3.00} for unauthorized transactions made through XXXX XXXX using my debit card. 

On XX/XX/XXXX I filed 2 additional card claims : # XXXX for a total of {$4800.00} and XXXX for a total of {$600.00}. I was told by the representative who took my claim that there were too many transactions to fit into one claim which is why two were opened. These transactions had occurred on or about XX/XX/XXXX but I had first tried to recover the funds through XXXX XXXX but never received a resolution. These were the unauthorized XXXX XXXX transactions the suspect stole from me that night. This was also the evening after I spoke to the XXXXXXXX NJ detectives and the magnitude of the crime that was committed against me began to set in. 

I emailed Wells Fargo Card Claims on XX/XX/XXXX with a copy of the police statement and asked them to call the XXXX NJ police department to speak about the specifics of the case. 

I emailed Wells Fargo Card Claims on XX/XX/XXXX with a letter explaining what happened, text messages between the suspect and myself where he admits to stealing my money and extorting me, and the detectives business card asking them to contact him regarding the case. 

I faxed Wells Fargo Online Fraud Claims Assistance center on XX/XX/XXXX and XX/XX/XXXX with the same information as I had sent the Card Claims Assistance center and fax confirmation pages will be uploaded with the supporting documentation. 

To date Wells Fargo has denied all the claims except for claim # XXXX where the bank issued a permanent credit. This letter will also be uploaded with the supporting documentation. I do not understand how Wells Fargo has denied any of these claims given there is now an arrest warrant out for the suspect, but further do not understand how the bank itself would determine 2 of the transactions as fraudulent and deny the rest. 

Uploaded is documentation I believe is most relevant to this complaint, including the full report from the detectives with the suspects information and charges is facing. An arrest warrant has been issued for him.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a house I am trying to rent today XX/XX/20 and when my credit report came back I was told that I did not qualify due to having several accounts reflecting badly on my credit. I had no idea what accounts it could be because I have never let any of my accounts or loans go negative. I looked through my report and I saw about six accounts that I never opened. Those accounts do not belong to me and I did not give anyone permission to open them in my name using my personal information. I did not benefit anything from these accounts such as money, goods, services or any other benefit nor did I contribute to any payments made towards any of these accounts. I have already filed a police report regarding these unauthorized accounts as well as a complaint with the Consumer Financial Protection Bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have challenge multiple the credit bureaus for them, due to inaccurate information on my credit report and it keep coming back verified, i ask them to provide me with proof that they did a investigation and failed to do so
Product: Payday loan, title loan, or personal loan

One Main Financial charges extremely high interest rates and none of the payments have gone to principle only interest. I’ve tried to resolve but was only lied to and told a payment would be drafted XXXX days if I set it up - but was actually taken out the next day causing other items to go delinquent.I have received multiple phone calls daily - which should not be happening
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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 card or prepaid card

The promotion for the capital one platinum credit card says that there are no interest charges. My credit card was charged interest charges since it was open on XX/XX/2017. I can not send a secure message because they do not have the option on my account profile page, it is all through mail or phone.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Equifax, The other day I got a printout of my credit record and found some incorrect information. I am fully aware that these errors are killing my credit report and costing me thousands of dollars in interest every year. 
Below are the accounts that I have identified : XXXX. XXXX XXXX XXXX - XXXX XXXX. XXXX - XXXX I am sure you are aware that the provisions of Section 611 of the Fair Credit Reporting Act of XXXX are clear, I require these accounts to be removed from all current and future credit reports. 
I would also appreciate if you would please send me the information of any individuals and/or organizations you spoke to so I may follow up with them as well. 
I shall assume that 30 days will be enough time for you to investigate these accounts. 

I believe that under Section 611 ( a ), it is plainly stated that the failure to investigate these entries within that timeframe constitutes a reason to promptly remove these items from my credit file. 
Below you will also find the only personal information that should be listed on my credit report as well. 

Thank you, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I filed a police report to get some negative unauthorized items removed off of my credit report I am a victim of XXXX  XXXX  my credit was used without my permission the accounts are from XXXX XXXX  XXXX  and XXXX XXXX