23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have XXXX account reporting badly/ negatively on my report that was allegedly not me, i contacted the credit bureaus XXXX XXXX XXXX dispute this account because it was not mines & all they did was verify my account which is still incorrect because that not even my address and not my accounts. So I reached out to the commissioners office of corrections because at the time of the alleged accounts that were opened I was XXXX in the XXXX department of corrections for XXXX years consecutively. The board / commissioner has wrote me back and sent me letters to back up my story on these alleged debts. Also I have my documentation for my lease of my apartment that I had within the XXXX of the alleged debt to show and verify that my address is indeed different from that address on the alleged debt. Also I have my identity theft report attached too. All of these documents I been sending to the bureau and nobody seems to get back to me. 

The alleged accounts that need to be removed are listed below & my information so you guys could verify me XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I called Equifax Office of Consumer Affairs and spoke with XXXX, agent id number XXXX, and asked if they had received my documentation and they stated that they could not process my documentation nor could they remove any thing on my credit report. They have violated my consumer rights, according to the FCRA 15 USC 1681, for an accurate credit report. Attached is the documentation that I sent to them ; they have 4 days to remove fraudulent information from the credit report.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. 
XXXX ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. 
XXXX ( a ) ( XXXX ) ( 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 Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting

there is a child support item on my credit report that was scheduled to fall off in XXXX and it is still showing and when I called the credit bureaus I was told that payment was made on the account in XXXX however I have been totally XXXX and no payments have ever been made and I have a XXXX monthly amount to pay because I am XXXX, but the credit bureau is refusing to delete the account from my credit report stating that it will now fall off in the ear of XXXX this is not correct there has not been any payments payment to trigger this 7 year statue and I would like to have this removed from all XXXX credit reporting companies
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been writing letters since XX/XX/2021 and I never got a response. Payment history is wrongly being reported.
Product: Credit reporting or other personal consumer reports

See my other complaints. XXXX XXXX did not refund the product that was returned to them. As a result, XXXX ruined my credit and will not respond.
Product: Payday loan, title loan, personal loan, or advance loan

I hope this is not to complicated to understand. 
I received a loan check approval from XXXX XXXX XXXX XXXX to finance to buy out my lease car XXXX XXXX from Southeast Toyota finance. I paid them in full but they sent me the title wrong with another Lien holder name that I never did any deal with. 
The title Lien holder name should be XXXX XXXX XXXX XXXX as part of the loan agreement. This company add a wrong lien holder a person that we don't know, a person that didn't have us the loan money for me this is fraud. 
The title shows a name of XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX. 
We went to the XXXX XXXX where we live to add XXXX XXXX XXXX XXXX as the lien holder but they said we cant because the title has a name under another person. 
I email Southeast Toyota Finance and they haven't responded. I need this to be fix. I'm a XXXX. Year old man, XXXX patient and I have been with a lot of stress my XXXX XXXX went very low due to this issue XXXX XXXX is asking me for the correct title
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple hard credit inquiries that recently showed up on my report ( last week ) that I never authorized. 

These unauthorized hard credit inquires include the following XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX These hard inquiries were never authorized by me and are adversely impacting my credit score.

Note that I am attaching a screenshot of all my listed inquiries but I am only disputing these 5.
Product: Checking or savings account

attended XXXXXXXX XXXX XXXX XXXX  XXXX XXXX  and was fraudulently charged by bartenders during the event. I reached out to the organizer with no reply, and reached out to my bank who denied my claim. 
The bartenders were charging my card multiple times during/after i would purchase a drink, food, etc. 
This is a known issue with festivals and when i reached out to my bank they denied my claim since I had my card, even though I told them that the card was being handed to the staff during each transaction. I researched this online and found that this happens frequently and that staff will sometimes also take pictures of card info for later fraudulent
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX i disputed item from my credit report as fraudulent it was blocked for a week then reappeared again as open account when i talked with both credit bureaus and creditor which is XXXX  XXXX today on XX/XX/22 i talked to XXXX XXXXXXXX on recorded line where the fraud investigation team reassured that upon investigation they came up to conclusion that the information was inaccurate and should be erased from credit but nor creditor nor credit bureaus took action it still shows on my credit and from my end i took all the requirements such as filing an ftc report and police report and provided all necessary information to prove that it was opened without my authorization.
Product: Vehicle loan or lease

XX/XX/XXXX I received an email from US AUTO SALES STATING THAT I NEED TO CONTACT WESTLAKE PORTFOLIO MANAGEMENT BECAUSE THEY NO HAVE MY LOAN AND THAT IS A DEBT COLLECTOR COMPANY WHO DOES NOT HAVE MY CONTRACT NOR HAVE I SIGNED ANY CONTACTS WITH THEM AND US AUTO SALES BREACHED MY CONTRACT CAUSE SINCE THEY SOLD OUR LOANS TO THE DEBT COLLECTOR THE EXTENDED WARRANTY THATS INCLUDED IN MY LOAN IS VOIDED AND THE WARRANTY COMPANY TOLD ME THAT WHEN I REACHED OUT TO THEM ABOUT SOME WORK THAT NEED TO BE DONE MY CAR And NOW IM STUCK WITH A CAR NO WARRANTY THAT NEEDS ABOUT XXXX worth of work Done to it Have been requesting my Contact from WESTLAKE for a month now and they keep saying they dont have them
Product: Checking or savings account

On XX/XX/year>, I called the XXXX XXXX XXXX as I was having an issue with my phone. An XXXX XXXX XXXX  ( CS ) representative answered the phone and attempted to guide me through fixing the issue. Unable to fix it myself, XXXX XXXX wanted to remotely access my phone to fix the problem from their end. In my prior experience with XXXX XXXX, XXXX done this in past without any issues or concerns so I granted access through a normal appearing download they sent directly to my phone ( I can't recall what the download was. ) Again, something that had been done in the past and appeared very normal to me. Upon accessing my phone, I had the phone back up to my ear to speak to them and I heard a sound so I looked back down at my phone. The sound was a notification showing a transfer of {$2400.00} via XXXX to XXXX. I watch the authorization go through and at the same time Bank of America sends me a did you just authorize this transaction? I quickly in a panic I hit NO and told the person what did you do?!!! They said they had to go in to verify my phone and it was the only way to do it. I immediately hung up and called Bank of America letting them know I didn't authorize this. BofA said they would open an investigation and I would receive my funds back due to the fraud. That someone would contact me. Simultaneously, the " XXXX XXXX '' rep called back after I hung up the line. I told them I reported them to BofA as XXXX and would be contacting XXXX XXXX. The acting CS rep became angry yelling at me WHY DID YOU DO THAT? I told them return the funds you stole from me! Send back the funds! The phone disconnected. After not hearing from anyone I kept calling BofA continuously attempting to receive updates from their investigators. After weeks had gone by, I was advised that they ( BofA ) couldn't do anything because they had to ask the scammer 's bank if they would release the funds back. Since the scammer 's bank was not responding back to them, therefore refusing to release the funds they could not do anything until then. After XXXX  days, I contacted BofA again for an update at which time they further advised me that since the scammer 's bank did not respond back to them ( BofA ) would not release the scammed funds back and would not be refunding the {$2400.00}. Further telling me, there isn't anything that they can do, it was done via XXXX and I authorized it. I told them I did NOT authorized, that it was fraud! That someone, acting as an XXXXXXXX XXXX XXXX XXXX linked into the XXXX XXXX XXXX XXXX and fraudulently acted as an XXXX XXXX. BofA continued to refused to return the funds back to me. I had tried numerous times since then to speak to BofA employees to see if they would review the information I had given them and nothing.
Product: Mortgage

Dovenmuehle Mortgage, servicer on behalf of XXXX XXXX, allows customers to sign up for bi-weekly, or bi-monthly payment services. However, both services require the consumer to pay a half-month 's payment in advance to start these services. The servicer allows consumers to start service by sending a voided check via mail or fax, along with their half payment through any means. The half payment can be collected via their online portal. However, the online portal enforces that the user can not pay for this half payment without treating it as a principal only payment. The only alternative, is to pay via telephone or by check, and incur a fee the consumer can not avoid. As a result, the consumer ( including myself ) receives a delinquency notice even though my mortgage is current, and payment has already been processed. While I realize online portals are often difficult to maintain and offer a lot of underlying services to consumers, forcing customers into situations where they do not realize how these things impact them is basically fraud. I have contacted the company, whom claims I can resume my bi-weekly payment service if and only if I make two more in-full payments, and can not avoid my late payment fee.
Product: Money transfer, virtual currency, or money service

Dear Customer Support Team, I am writing to you today to submit a formal complaint regarding the permanent limitation that has been placed on my PayPal account. I strongly believe that this decision was made in error and I would like to appeal the limitation placed on my account. 

Firstly, I want to clarify that I have not violated any of PayPal 's policies. I have always followed the guidelines provided by PayPal and have never engaged in any activities that would violate your policies. Therefore, I believe that the limitation placed on my account was unjustified. 

Furthermore, I would like to request that PayPal re-investigate my case and restore my account if possible. I am confident that a thorough review of my account will confirm that there has been a mistake and that my account has been wrongfully limited. 

I would like to assure you that I take PayPal 's policies and guidelines very seriously, and I am willing to provide any necessary information or documentation to support my claim that I have not violated any policies. I would also like to request that you provide me with more information about the reason for the limitation, so that I can better understand what has led to this situation. 

Lastly, I would like to confirm that the email address associated with my PayPal account is XXXX. 

I hope that you will consider my appeal and take appropriate action to resolve this matter as soon as possible. 

Thank you for your time and attention. 

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

On XX/XX/23. XXXX was stolen from my cash app account.. while attempting to send my son money. I have tried to get my bank to help. I have contacted the Department of consumer affairs. Im hoping to get help in this matter. Im attaching a document. 

Thank you, XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ( Student Loan Acct # XXXX ) in the amount of {$3100.00} XXXX ( Student Loan Acct # XXXX ) in the amount of {$2100.00} The above two accounts were originated between years XXXX. A detailed debt validation letter was sent on XX/XX/2018 ( USPS Certified Mail, reference # XXXX ). 
There is a violation due to lending practices of XXXX as stated per CFPB vs XXXX. Until there is a finalization of the current findings of violation, XXXX should not report any accounts of fraudulent nature to all the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M HAVING ALL KINDS OF PROBLEMS GETTING THE CREDIT BUREAUS TO CORRECT ERRORS REPORTING ON MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDIT SYSTEMS INTL IN is incorrectly reporting information on the following two accounts : Account # XXXX Original Creditor : XXXX XXXX XXXX Balance : {$410.00} Original Balance : {$500.00} Account # XXXX Original Creditor : XXXX XXXX XXXX Balance {$330.00} Original Balance {$330.00} I mailed XXXX  a letter on XX/XX/XXXX. In the letter, I explained that I had been living in XXXX since XXXX of XXXX and just returned to live in the USA in XXXX of XXXX. Previously, I had only returned to the USA in XXXX, for business purposes. 

I included copies of my US Passport with my XX/XX/XXXXXX/XX/XXXX. They show every entry and exit out of XXXX. 

The letter further states that I never opened nor authorized any of the above accounts to be opened. I enclosed the copies of my passport XXXX  pages which supported my position and asked the company to reinvestigate the matters and to delete the disputed information. 

In addition to providing the inforamtion to XXXX, I called Credit Systems Intl IN, around XX/XX/XXXX. I explained that I sent my XX/XX/XXXXand proof that I was living overseas and did not open the accounts. 

I have recently purchased a new truck and my interest is much higher due to the negative credit reporting provided by Credit Systems Intl IN. Their inaction to address incorrect informaiton has resulted in financial harm and damage by requiring me to pay a much higher interest rate. The policies and practices employed by this company are contrary to Fair Credit Reporting Act ( FCRA ) laws and they should be reprimanded for the financial harm they have caused to myself and to many others. 

if this is not resolved, my next course of action will be to hire an attorney to sue them for the financial damages which have resulted from their noncompliance with FCRA laws. I hope that I do not have to waste time and money with this approach and hope that your office can assist in remedying this situation as well as place a note in their file indicating that their business does not comply with the Fair Credit Reporting Act laws. They are likely causing financial harm to many customers by their intentional inaction. 

I look forward to help from your agency with this matter. 

Very Respectfully, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2022 I filed a dispute with the credit bureau Asking for a reinvestigation Of the disputed account XXXX XXXX  XXXX. This account was verified by the credit bureaus and I asked for a reinvestigation that I was entitled to according to the Fair Credit Reporting Act section 611. The bureau had 15 days to Complete their investigation and they have not. I have asked for a reinvestigation and they have not responded to my request. i In these months I have not received a notice in 45 days and show that My dispute is even being investigated. 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 or other personal consumer reports

Consumer Name XXXX XXXX XXXX, Consumer Social Security Number XXXX, Consumer Date of Birth XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TRANSUNION credit reporting agency XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan account opened at XXXX XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX, a collection account opened at XXXX XXXX XXXX  on XX/XX/XXXX under account number XXXX, a collection account opened at XXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

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

I mailed in and disputed online XX/XX/ with Experian to reinvestigate the following account : Account name : XXXX XXXX XXXX XXXX Account # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. 

According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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 1681 c. ( 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: Checking or savings account

Chime XXXX XXXX XX/XX/XXXX- asked Chime to send us a new link to send the information they requested to close XXXX XXXX  's account. 
XX/XX/XXXX - received regenerated link and uploaded requested information. 
XX/XX/XXXX - emailed them asking why I hadn't heard from them XX/XX/XXXX - sent Chime the following email - I spoke to your online support XXXX  days ago about why you havent gotten back to me after you said you got the pictures, and they gave me an escalation number XXXX and said this was being resolved. I called again today and was put on hold for XXXX minutes and the call was disconnected by you. So I called again and this person said the photo ID I sent wasnt good enough as it had a blacked out section. You are not responding adequately or in a timely manner so far. So please send me another link to send you the pictures yet again. You are making this take XXXX too long by not being responsive. 

XX/XX/XXXX - sent another email to Chime- So if I dont hear back from you with a link on what I asked for youll be getting even more calls, or XXXX  will, from the Consumer Financial Protection Bureau XXXX If your level of service with me is any gauge, Im sure you have heard from the CFPB quite a bit. Is another link that hard? 
XX/XX/XXXX No response from Chime in any way by any means.