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

In XXXX, I contacted XXXX XXXX XXXX XXXX  to see what options were available so that I would not have my house go into foreclosure. They failed to provide accurate information regarding workout options and foreclosure information. I asked about what options were open for me. They told me that I could not do a loan modification, Deed-in-lieu, Short-sale, or refinance. Different told me different things when I called the XXXX XXXX XXXX XXXX XXXX  department so options were told that they were unavailable to me and then they were, or I was too late because of the misinformation. I hired 3 different estate agents who listed the house. I had 2 people who made offers to buy the property for a percentage but, the bank refused saying that it was not enough. one offer was for {$18000.00} and the other was for {$30000.00}. Agents told me that many people didn't put in offers because the garage that is located near the property did not come with the house. So with no acceptable offers, the property went into foreclosure and in XX/XX/XXXX it was sold for {$24000.00}. The mortgage never included the garage located near the property but, as of XX/XX/XXXX, there was a survey completed showing that the garage is actually part of the property. The garage was never insured and only used 1 stall of the garage being that the other stall was used by the owner of other property, and believed to be owned by the owner of other nearby property that shares driveway next to the property. The power is connected to the other property. The garage was never included on the mortgage or appraisal for the mortgage. XXXX XXXX XXXX XXXX did not work with me or provide accurate information regarding workout options which have resulted in foreclosure on my credit report and preventing me from getting another home for me and my family.
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 : Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Former : XXXX XXXX XXXX Employers : XXXXXXXX XXXX XXXX Employers : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted over 6 disputes to Equifax. They robotically decline all of the disputes and simply state they don't have to look into it again because they already did once. ( years ago ) HOWEVER, I now have the police report, FTC documentation, and proper paperwork to get these items removed from my credit report because they are fraud. Equifax doesn't care. 

Moreover -- Equifax has it built into their online dispute system to give an error anytime someone tries to submit a dispute on their account that results in removing a negative account. I can prove this. I attempted to submit 4 disputes today. 2 simply asking for information updates, and 2 stating there was fraud and/or inaccurate data. The inaccurate data disputes went through no problem. The disputes with fraud and inaccurate information resulted in Equifax stating there is an " error '' and they could not process my request.. to try again later. I tried this repeatedly -- with the same result. 

I'm no lawyer -- but that seems like shady stuff there. and Ive sent in letter after letter through snail mail -- and followed up with calls just for Equifax to tell me nothing was ever received. Of course there is no way to send anything through email -- even if encrypted. That would result in accountability and tracking! 

EQUIFAX should know why this fraud happened. It was their fault- I am part of the class action lawsuit against them because of the breach. Im going to be including this time in the hours I am billing against them for having to fight this.
Product: Credit card

On or about XX/XX/XXXX, I applied for a Chase XXXX XXXX XXXX credit card online via an online banner advertisement offering " XXXX XXXX points for spending {$3000.00} within the first XXXX months of account opening. '' There was a slight delay in my application being approved on account of needing to unfreeze my credit report. The application was ultimately approved and I received the card in the mail. By XX/XX/XXXX ( statement date of XXXX month account was open ), I had spent a total of {$3200.00} and anticipated receiving the advertised sign-up bonus. 

By XX/XX/XXXX, the advertised bonus had still not been posted to my linked XXXX account. I placed a call to Chase customer support at XXXX XXXX and was informed that Chase 's system reflected different sign-up bonus terms than were originally advertised and which now required a {$4000.00} minimum spend in order to receive a bonus. I was informed that because I had not met the spending requirement of this different offer, I would receive no bonus at all. 

It is my understanding from online research that Chase began to advertise this different sign-up bonus around the same time that I would have applied for the card. It is my supposition that Chase erroneously enrolled my account under these alternate terms, without at any point informing me of the changed offer terms. I'll note that Chase did not offer any means by which to track my progress in meeting the minimum spend through their online account, nor were sign-up bonus terms provided to me subsequent to my having applied for the credit account.
Product: Money transfer, virtual currency, or money service

I am writing to formally address my concerns regarding Zelles failure to adequately handle disputes and protect consumers, as highlighted in the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ). 

Despite using Zelle on multiple occasions and reporting discrepancies involving my transactions, neither my financial institution nor Zelle took the necessary steps to thoroughly investigate my claims. I was informed that recovering the lost funds was not possible and that tracking these transactions was beyond their capability. The CFPB lawsuit reveals that Zelle has neglected its responsibility to protect consumers, allowing repeat offenders to exploit vulnerabilities in the system and leaving users exposed to scams. 

This lack of action, accountability, and transparency is deeply concerning and unacceptable. It raises serious questions about Zelles commitment to ensuring consumer safety and fair treatment. 

I kindly request that you review my case and provide a response regarding the steps Zelle intends to take to address these issues. I expect full accountability and a thorough investigation into my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 was seen at XXXX who sent highly personal medical information to AMcol without my consent. My original information I disclosed with XXXX who turned around and sent it to Amcol. Amcol I see is licensed in XXXX are they able to share my personal information as well as attempt to practice in XXXX. I would like this matter looked into please
Product: Checking or savings account

I believe I was taken advantage of Wells Fargo Bank from XX/XX/XXXX to XX/XX/XXXX when they closed my account. I was being charged a multitude of overdraft charges during the entire time I had a checking account at their institution. Every month I would have a negative balance of at least {$350.00}. There was no way this was possible. What can I do get ANY of these funds returned to me?
Product: Credit reporting or other personal consumer reports

Hello, my name is XXXX XXXX XXXX. I am writing to have the following information that appears in my credit report removed. The items I need to remove are listed in the report below. I am a victim of XXXX XXXX and did not make the unrecognized charges. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I urgently request that the following items listed be removed as soon as possible.
Product: Debt collection

AWA CollectionsXXXX XXXX XXXX reported two separate Collections on XX/XX/ amounting to {$920.00} and {$1300.00} both of which have been reported as Identity theft to the police department and the FTC.
Product: Debt collection

I have previously sent a request for debt validation of this account with Portfolio Recovery Services and never received anything from them with this information and now it is negatively affecting my credit report.
Product: Student loan

This account is still listed on my credit report after 7 years. I am requesting deletion of this account off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX keeps placing a paid off state tax lien on their site making my scores look bad. This lien was paid off way back when and completely removed back in XXXX XXXX. I have already contacted Equifax repeatedly as I was told that this is the only place they could have attained this information from. Equifax stated they would dispute it again and they then removed it or deleted it once more. They stated their info came from XXXX whom claims there is no lien. This is now the second time this is happening to my credit report without any explanation. The first time was a couple months ago and now again in XXXX XXXX. This needs to be stopped as I can not even tell what is accurate anymore and what is not, even though I know for a fact that the lien is not accurate since I have already had to verify it.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY PERSONAL INFORMATION WAS USED BY AN UNKNOWN PERSON WHO USED MY INFORMATION TO OBTAINED DEBT SUCH AS CREDIT CARDS AND MEDICAL BILLS NOW MY CREDIT PROFILE IS DESTROYED. I AM DOING THIS REPORT INHOPES OF FIXING MY CREDIT.
Product: Credit reporting or other personal consumer reports

Subject : XXXX XXXX Credit Bureau for XXXX XXXX XXXX and Remove Inaccurate Information To Whom It May Concern, I am writing to file a formal complaint against [ EXPERIAN ] for their failure to properly reinvestigate and remove a late payment entry from my credit report. This entry pertains to my account with Creditor : XXXX XXXX - Account Number : XXXX In accordance with 15 USC 1666 ( b ) and 15 USC 1681 ( a ) ( 2 ) ( A ), I disputed the accuracy of this late payment with the credit bureau , as I believe it to be incorrect. Despite my initial dispute and providing supporting documentation, the credit bureau has failed to conduct a proper reinvestigation as required by law. The erroneous late payment entry continues to appear on my credit report, negatively affecting my credit score and financial standing. The relevant details of my dispute are as follows : - Account Holder : XXXX XXXX XXXX XXXX - Creditor : XXXX XXXX - Account Number : XXXX - Dispute Reference Number : Complaint Number XXXX, XXXX. - Date of Original Dispute : XX/XX/year> I have attached copies of all correspondence related to my dispute, including my initial dispute letter, supporting documentation, and the responses received from the credit bureau. This failure to reinvestigate and correct the inaccurate information is a clear violation of my rights under the Fair Credit Billing Act ( 15 USC 1666 ( b ) ) and the Fair Credit Reporting Act ( 15 USC 1681 ( a ) ( 2 ) ( A ) ). I request that the Consumer Financial Protection Bureau take immediate action to investigate this matter and ensure that the credit bureau complies with its legal obligations. Please acknowledge receipt of this complaint and inform me of any further actions or information required from my side. Thank you for your attention to this matter.
Product: Checking or savings account

I was exploring the option of having an account with this XXXX XXXX that calls themselves under the name Current because they offer a Visa debit card which pays Cash Back rewards. So I installed their XXXX app on my phone so I could see what their cash back rewards offers would be. I did not find them suitable to me so I uninstalled the app from my phone. Now there are three completely fraudulent unauthorized transactions at {$10.00} each for a total of {$30.00} from this company against my checking account. They do not even provide a phone number to call, all they give you is an email and then you have to contact them and sit there and wait. I reinstalled the app so I could try to contact them that way and all I could get was a message saying your account has been deactivated with a form to send feedback to support and when I tried to contact them that way the app says " something went wrong '' and then just sits there and does nothing. I never authorized this company to make any transactions against my checking account whatsoever, I don't even know how they got my checking account information because I never gave it to them! To me this is a criminal act of fraud! The money was all taken from my account on XXXX XXXX XXXX  in three transactions of {$10.00} each totaling {$30.00}. I don't know how else to contact them but this is the URL of their official company website.. 

https : //current.comXXXX On their website they claim that Current is a financial technology company, not a bank and that their banking services are provided by XXXX XXXX XXXX XXXX Member FDIC.
Product: Debt collection

I became aware that this account was opened on XX/XX/2017, when my wife received an email regarding a new account with XXXX. 
I contacted frontier immediately, and even spoke to their legal department over the course of several phone calls. After speaking to their legal department and discussing that I had never even spoken to someone at frontier and the account was opened fraudulently, I was assured that this would be resolved. 
When I pulled my credit report recently, I realized that the account has been put on collection, and I was not even notified about it. 

I want this account removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently reviewed my XXXX, XXXX XXXX, and EQUIFAX consumer report and see there is an unauthorized inquiry and accounts reporting that I did not initiate nor did I benefit from any of them. The account listed on XXXX XXXX is a fraudulent collection account reporting from creditor XXXX XXXX XXXX account # XXXX. Also on XXXX XXXX is an unauthorized hard inquiry from XXXX XXXX date XX/XX/2021. The fraudulent accounts listed on EQUIFAX are XXXX XXXX account # XXXX, XXXX XXXX  account # XXXX, and XXXX account # XXXX. The fraudulent accounts listed on XXXX are XXXX XXXX account # XXXXXXXX XXXX  account # XXXX, and XXXX  XXXX XXXX account # XXXX. I demand these accounts listed above to be deleted and blocked from my credit file immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already contacted Wells Fargo and XXXX XXXX a number of times about this they successfully removed the accounts but did not remove the negative information reported about the accounts I have called many times they said the removed it its been well over 4 weeks and they have still not removed this negative information I have uploaded a photo of the negative information and also I have uploaded the previous account that was removed but the negative information is still listed about the account. The pictures I have added are the account numbers that were removed the section I am referring to is listed under ( information reported about closed bank accounts )
Product: Credit reporting, credit repair services, or other personal consumer reports

Regions bank XXXX XXXX : company reported 30 day late payment & debt & colection on my credit report dropping my score 38 points. 
The car was total in a no fault accident XX/XX/XXXX, my insurance XXXX paid the on the claim XX/XX/XXXX, which left a balance XXXX after a gap payment ( XX/XX/XXXX ). My payments were XXXX {$390.00}, no regular payment in XXXX, XXXX {$340.00} & XX/XX/XXXX - {$1700.00} ( settlement offer accepted account closed ). Regular payments due date XXXX of each month. The account was never 30 days past due. I submitted a request with Region bank & XXXX but this negative reporting is still on my credit report. Also the negative report was made after the settlement and payment was completed with Regions Bank which is a knowingly dishonest reporting to the credit bureau.
Product: Credit card

I saw an ad for Tomo credit that they help fix your credit and if you pay XXXX a month you get a credit card with a big credit line. So I signed up it look legitimate then I got an email saying they no longer offer a card and all they offer is to help fix your credit very much like XXXX XXXX. Which I have and its free. I tried writing them it took them a long time to get back and they say will not issue refund. They dont have a phone to call or speak to someone. I have put a reversal at my bank waiting to hear back. This has been a nightmare I cancelled but this company gives no support they provide false advertisement. They also have a ton of articles of many people being scammed by them. I need help..
Product: Debt collection

Dated XXXX, I received notification from United Collection Bureau Inc in reference to an alleged debt owed of {$3400.00}. Please provide validation of this alleged balance per FCRA regulations.
Product: Credit reporting or other personal consumer reports

Company or Organization : XXXX XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$1500.00} Company or Organization : XXXX XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$1300.00} Company or Organization : XXXXXXXX XXXX Account Number : XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$10000.00} Company or Organization : XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$800.00} Company or Organization : XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$2700.00}
Product: Credit reporting or other personal consumer reports

After reviewing my Credit Report I noticed that the CRA 's including XXXX XXXX XXXX XXXX are illegally reporting transaction history in my Credit Report which is not public information ( Account number XXXX ). This is a direct violation of the Privacy Act of 1974 and a violation of 15 U.S. Code 6801 - Protection of nonpublic personal information. I demand that this transaction history be removed immediately.
Product: Payday loan, title loan, or personal loan

In XXXX during the Housing Crisis Bubble we signed with a Bank od America representive to a equity line of credit. Unfotunately we were ignorant to and not understanding that we had a interest only loan. 

In XXXX we had to file bankruptcy as a result of loss income, however we continued to make payments. Payments were made from XXXX through XXXX ( interest only totaling some {$20000.00} on a laon for {$30000.00}. We have paid close to {$10000.00} in principle from XXXX to present. 

We were told that if we missed a payment or did not pay at all we would be foreclosed on. 

Our bankruptcy case has ben closed since XXXX. The loan when orginated in XXXX was a variable rate, please see most recent statement and how it has been changed. 

We sent a letter to the XXXX, XXXX XXXX XXXX of Bank of America requesting conideration of debt forgiveness or a discounted amount of the loan. The balance today is now is {$21000.00}. We are seniors and plan to retire soon. We received a response from the Bank, declining our request, not from the CEO no signature from anyone. Please see attached.
Product: Payday loan, title loan, or personal loan

Onemain financial is holding a loan against me that I did not apply for and provided no evidence or proof of it was me that got the loan. It was a result of identity theft and they provided signature proof stating that it was digital meanwhile it wasn't a wet signature XXXX with docusign it was an automated sign. Secondly, they showed a void check with my bank info which I don't understand or know how they got and they stated that I took and refinanced a loan for kid braces. Meanwhile, I have health insurance and my kid has Never even gotten braces. I never made payments from a XXXX XXXX XXXX account which they stated or refinanced. It was a fraudulent loan when I had my identity stolen and I paid the chargeoff once it hit my credit as I didn't know you could dispute debt. If I had known that you could dispute debt I would have never paid this as I didn't know what to do as I had never had my identity stolen before. But this is not my application. Please review the enclosed documentation.
Product: Credit reporting or other personal consumer reports

TransUnion Credit Reporting Account Information XXXX XXXX Balance : {$4800.00} Address XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone ( XXXX ) XXXX Responsibility : Authorized Account Account Type Revolving Account I am not the primary account holder, nor am I legally responsible for the payments or any outstanding balance on this account.