23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

A former schoolmate of my girlfriend 's XXXX XXXX XXXX XXXX owed her some money and in order to pay her back, he got in contact with me. He said he 'd deposit some money into my account and that once it cleared, I should take my portion and send him the rest. He then asked her that I should mail my debit card to him because he needed it to make the deposit, and not thinking anything of it, I changed my pin and did as she said. I paid close attention to my account, and when I saw the money in there, I felt relieved. Little did I know that it was a scam, and in a few hours, nearly {$4000.00} was withdrawn from my account. I have since contacted the bank and police to try and resolve the issue and get the guy, but nothing has been done yet.
Product: Mortgage

I have been trying to work with them since XX/XX/XXXX/XX/XX/XXXX to do a deed in luid. They keep saying its pending then they say they have everything and then they have not got anything from me. I have emailed the documents to them. Everytime I call I get a different answer and I have requested a manager to call me and no one will call me. Im going through a divorce and trying my hardest to prevent the foreclosure ( they said is on hold ) right now but they are making it impossible. I feel at this point they dont want to help me or work with me and just want to foreclosure on my home. I have called them over 100 times in the past couple of months and have emailed as well. They also had a company go into my home to Secure it as they say but this company went in and pushed everything to the middle of the room and covered it with plastic paper. But while doing this they damaged my property in my home!
Product: Credit reporting, credit repair services, or other personal consumer reports

Once I realized in mid XXXX that my 4 accounts were reduced to 3 accounts with XXXX   student loan company, i contacted them. First i was told it was still 4 accounts and that I am not due to pay any amount since my loans are on administrative for forbearance. Same year, I got a credit score report with my score plunging down due to derogatory reports from XXXX that one out of four loans was in charge off/collection. I started to make numerous phone calls, send emails and postal mails with dates. 

I would stay long hours on the phone to resolve the issue, I even disputed credit reports through the credit unions all to no avail. My credit score continues to be affected by this monthly derogatory report and am not able to qualify for any credits whatsoever because of it. 

I made many calls requesting that my one account gets moved back to the current accounts like my 3 other accounts. I sent so many emails until they stopped accepting emails from me and I would get undeliverable messages from XXXX. I do not know who else to go to and what else to do. Legal actions do take time and money so I was advised to file a complaint through this website. 

The last time I tried to solve this was Friday XX/XX/XXXX on or around XXXX. I spoke with XXXX XXXX then XXXX XXXX, then XXXX XXXX who went through all the payments and determined that the error was made in the manner they split my payment. 

I always made one consolidated payment for my 4 student loan accounts that is sending only one payment. According to XXXX, she determined from her search that at sometime in XXXX of XXXX they made the mistake and missed one account when they were crediting all 4 accounts. 

According to XXXX, she said that in XXXX, they reported the account since it was in collection/charge off to credit reporting agency. XXXX finally indicated that this can be fixed since she is able to locate the reason and it can only be done by customer service. XXXX XXXX then transferred me to customer service escalation team rep XXXX XXXX to fix the problem. XXXX said she will contact the necessary departments and get it resolved by pulling it out from collection/charge off. 

I have continued to be in contact with XXXX staffs and no matter the promises I got that it will be fixed, it was never done. I plead that you help me resolve this as my credit score has been bad for years because of this monthly reports. In addition to these derogatory reports, the loan amount continues to increase. I even sort an attorney to discuss this, after the attorney reviewed all the files I sent to him, he wrote them and was on the phone with me and them in XX/XX/XXXX when they said it will be resolved by customer service escalation team, XXXX.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following late payment entries on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.
Product: Debt collection

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries :
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX continues to violate my rights under the Fair Credit Reporting Act. On XX/XX/2023 the were mailed a copy of my FTC Identity Theft Report, a final official copy of my XXXX XXXX Police Identity Theft Report, a copy of my XXXX XXXX XXXX proving my legal address at XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX  XXXX, a photocopy of my Social Security Card proving my identity and social security number, a photocopy of my California Drivers License / Real ID ( front and back ) proving my identity and my legal address, a copy Fair Credit Reporting Act Section 605B detailing their legal obligations. The fraudulent member / account number is XXXX. The amount owed/ charged off on this fraudulent account is {$500.00}. They say their " investigation '' determines the " I did open the account ''. They go on to provide a fake income verification letter, fake pay stubs, and several documents the copy and pasted foraged digital signatures as " proof '' that the account is mine. They are violating the law by not accepting sworn statements to the FTC and XXXX XXXX Police which by the very nature prove I am a victim of Identity Theft and that the accounts they have in my name are the result of this identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX is falsely reporting my account history. THEY have not reported correct payment history with the original creditor. The credit bureaus are not verifying the accounts on my credit file correctly. I have never received the original binding agreement from these creditors nor are they reporting accurate payment history in over 90 days of disputes. Please send me proof of late payments and proof these credit bureaus are verifying the accounts with my signature. 

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.
Product: Checking or savings account

I reported my checkbook lost to the bank and they allowed transactions to go through when I was told that no transaction could go through including reoccurring payments and deposits of my paycheck and social security check. So I changed banks. 

However, they did pay a recurring transaction several days later after I have reported the loss, and told me they would close the account when I pay the negative balance ( the transaction they paid ).
Product: Credit reporting or other personal consumer reports

my purse was stolen last year at the park with all my credit cards, my drivers license, my phone and, social security card. i need this off my credit report because this was not me, this is identity theft i reached out to comenity bank but they informed me that you guys took over the account, please remove this inaccurate account off my credit its affecting me getting a home and applying for a morgage!!!!
Product: Credit reporting or other personal consumer reports

Experian is saying I have two hard inquiries and then lists only one as a hard inquiry which is correct but they lowered my score XXXX points? Also I linked my credit union account to allegedly " boost '' my credit score but after linking the account their so called service left off a TWO YEAR OLD auto loan with XXXX XXXX and then forecast an additional XXXX point DROP instead of a boost. To add insult to injury, they have also sent personal loan recommendations with interest rates that apply to a MUCH LOWER credit score than mine of XXXX % which is insulting and wouldn't function as the economic relief you should obtain with a refinancing of an existing loan at 29.99 % which I didn't deserve either. Please help. I am a XXXX XXXX with perfect rent and auto loan payments even through the pandemic so they can't use that one. In addition, their so called boost service doesn't link with the bank for XXXX which has all five years of my rent payments. Isn't that interesting since a good number of people in my demographic use XXXX as their only means of banking?
Product: Credit reporting or other personal consumer reports

Consumer Name : 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 Equifax 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 a collections account opened at XXXX XXXX XXXX  on XX/XX/XXXX with a balance of {$15000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  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 US Federal Trade Commission that all of 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

i have a client that wanted to send my payment thru Zelle and i have been registered with them, but for some reason it won't work, ( my account was locked ) so I tried to update all the information with little success. I tried to contact the company, and they require me to pay them to speak to someone and then it's a monthly fee, why do I have to pay to speak with someone to fix an issue that is part if program? 

why can't I just speak to someone and get this issue resolved? 

So if my bank account if not part of their system why am I held to the fees they are charging why? 

. I tried to find a live contact number with no luck at all i'm sooooo frustrated. I'm so tired to this happening as it's more of the norm than it ever was. It would be nice to speak to someone and not AI as AI is not all ways able to take care of the issue - talking with people is the better way but for some reason companies don't want to provide live contact at all!!!!!!!!!!! XXXX
Product: Debt collection

This was a joint account with the bank, and wasn't aware I owed the debt. This was recently paid on XX/XX/21 and the amount of {$200.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone obtained my social security information along with my date of birth and opened up the following credit cards and financial accounts fraudulently:-	XXXX XXXX XXXX-	XXXX XXXX XXXX-	XXXX XXXX XXXX -	XXXX XXXX XXXX – XXXX XXXX XXXX -	XXXX XXXX XXXX – XXXX XXXX XXXX XXXX Due to this, they are all on my credit and I need to report them as fraud accounts so they are removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my CFPB complaint dated XX/XX/22 and I found out that you Close MY COMPLAINT # XXXX, XXXX, and XXXX on the same day. I would like to resubmit again my request to Investigate the Erroneous Accounts found on my credit report DEPT OF ED/AIDVANTAGE XXXXBalance : {$1100.00} ; DEPT OF ED/AIDVANTAGE XXXXBalance : {$3000.00} ; DEPT OF ED/AIDVANTAGE XXXXBalance XXXX {$2300.00} ; DEPT OF ED/AIDVANTAGE XXXXBalance : {$6200.00} ; DEPT OF ED/AIDVANTAGE XXXX Balance : {$5000.00} XXXX DEPT OF ED/AIDVANTAGE XXXX Balance : {$2500.00} ; DEPT OF ED/AIDVANTAGE XXXX Balance : {$5100.00} ; DEPT OF ED/AIDVANTAGE XXXX Balance : {$2400.00} ; DEPT OF ED/AIDVANTAGE XXXX Balance XXXX {$2500.00} ; DEPT OF ED/AIDVANTAGE XXXX Balance : {$5100.00} ; DEPT OF ED/AIDVANTAGE XXXX Balance : {$3100.00} ; DEPT OF ED/AIDVANTAGE XXXX Balance : {$3900.00} ; XXXX XXXXXXXX Balance : {$2.00} ; XXXX XXXX XXXX Balance : {$91.00} that is UNKNOWN to me. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and611 ( 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. I am resubmitting this complaint myself and attached a copy of my Drivers license and proof of residency to inform you that I am the one asking your help.
Product: Debt collection

On XX/XX/XXXX I received an attempt- through US mail to collect a debt from a debt collector Online Information Services XXXX If I wanted to dispute the debt there was a piece not he bottom I could detach and return. I did so. The XX/XX/XXXX I received 2 separate pieces of mail both from Online Services. The one had the said invoice from XXXX XXXX XXXX it had my name with a Texas address. I live in NJ and never have lived in Texas. The other piece of mail was a fraud packet in which wanted me to complete as well as include copies of my photo ID and social security card. This was concerning, so I contacted XXXX XXXX. 
I first spoke with customer service representative XXXX, who confirmed the account and told me I had to be transferred to a Tier 2 representative to further assist me with the issue. I then spoke to XXXX. He told me I would need to complete a police report and go to XXXX- which because of the nature of the fraud- directed me to you- the consumer Financial Protection Bureau XXXX
Product: Mortgage

I fell into default and have spent more than 11 months trying to work with my mortgage co. to find a permanent resolution and avoid foreclosure altogether. During my active review for workout assistance they set a sale, and foreclosed on my property violating my homeowner bill of rights. I have proof of my records and just want the sale reconsidered.
Product: Credit card

Wells Fargo XXXX credit card approved me a promotional offer of no interest if paid in full within 18 months. Half-way through the terms I noticed the company was not charging me equal payments but slightly lower payments to ensure that I would be required to pay the full interest amount at the end of the term. After noticing this, I put down several large payments to remove the balance. The balance was paid on time before the end of the promotional period but I was still charged the {$4000.00} in interest. During a phone call to the company, the representative stated that my last payment ( {$370.00} ) was partially applied to another purchase ( amount of {$290.00}, to a balance of {$850.00} ) instead of paying off the remaining balance of the 18-month promotion ( {$230.00} ). The representative said that the terms I signed up for did not state equal payments nor were they required to expend the minimal payment amount to the oldest promotional balance first. This is a predatory tactic aimed to trap the consumer. Please resolve.
Product: Debt collection

VALIDATION AND CEASE AND DESIST Name : XXXX XXXX Address : XXXX XXXX  XXXX XXXX, XXXX, MA XXXX Dear LVNV Funding I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act, I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 

Please cease and desist from collecting on this debt until you have provided validation of the debt. 

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other Collectors I dispute that I owe you this debt. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

There have been several pieces of information being INCORRECTLY reported by this company. Last XXXX XXXX, 2017, I mailed them a letter disputing and asking for these items to be investigated. XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX accounts : XXXX, XXXX, XXXX and XXXX has been disputed BOTH TO EXPERIAN AND XXXX. XXXX deemed these items UNVERIFIABLE and has been removed from my credit report. What I do not understand are the following : 1. Why would these items be removed by XXXX and not by Experian despite the incorrect and inaccurate information being reported ; 2. What documents did Experian got and used in their investigation that XXXX was not able to procure? ; 3. Why would a company verify the disputed information to one credit repository and not with the others? 4. Is n't this a violation of FCRA of both this credit repository and the reporting entity?
Product: Credit card or prepaid card

On Monday, XXXX XXXX, XXXX I contacted XXXX XXXX XXXX to take advantage of a promotional offer regarding 0 % interest on balance transfers. I asked XXXX  XXXX XXXX to cancel a pending balance transfer to Chase Bank that had not yet been initiated. XXXX XXXX XXXX informed me that it was not a problem, told me the transfer was being canceled, and proceeded to take down information on the correct transfers. I was notified Tuesday or Wednesday that some balance transfers had been processed. When I did not see the transfers reflected on the appropriate accounts, I looked into my XXXX XXXX XXXX account to check the status. When I looked, I found that XXXX XXXX XXXX had not canceled the transfer to Chase Bank, but had instead sent {$3400.00} to Chase in error. I immediately began trying to get this corrected. 

After several hours of phone calls, a Chase Bank representative, XXXX, told me that because the transaction was a balance transfer, Chase Bank could not cancel the transaction from being applied to my account and could not refund or return the money to the sender. At this time and the time of that conversation, the money has been sent by XXXX XXXX XXXX but has not been received by Chase Bank. Chase Bank 's position does not add up. I have not been told how or why the transfer must be applied to my account, no exceptions, no refunds. I have told Chase Bank repeatedly that the money was sent in error and that I do not want that payment applied to my account. XXXX XXXX XXXX has contacted Chase Bank with me on the phone and told Chase Bank that they ( XXXX XXXX had a system error and that the transfer was a mistake. All I want is for the transaction of {$3400.00} be returned to XXXX and not applied to my account with XXXX. I do n't understand why this would be so complicated. I will still owe XXXX the full amount on the credit account, XXXX will collect more money in interest, and I 'm not a risk for bankruptcy.
Product: Credit reporting, credit repair services, 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. 
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 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.