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

I recently obtained a copy of my credit report from Equifax, XXXX, and XXXX. It indicated that a credit inquiry was made by XXXX twice in XXXX and XX/XX/2021. I did not authorize my credit to be pulled twice, only once. Therefore, I am writing to dispute this duplicate inquiry and have XXXX set of inquiries removed from my credit report.
Product: Mortgage

There are serious errors in how this company tracks its accounting. Several of my payments going back to XX/XX/2016have not been factored in to the current balance. I have not had any of my payments applied to the principal balance in 7 months. There are no associates that understand the data presented on the website and I can not get a copy proof of what the new fees are that I am being charged. 
My entire account needs to be audited for errors going back 3 years and Im looking for someone who has the authority. If this is not resolved I will take it to a lawyer.
Product: Money transfer, virtual currency, or money service

I sent XXXX XXXX ( XXXX, TX ) {$500.00} as sublet deposit on XX/XX/2021, via XXXX. But after a few days, it turned out this person is a scammer and I can't reach him any more after paying the deposit. I called Chase customer service on XX/XX/2021 and reported the XXXX scam. They said they would file a scam report with XXXX and go from there. The next day XX/XX/2021, I received an e-letter stating my claim was resolved and no action would be taken. I contacted Chase customer service again asking about the details. I got a XXXX case number XXXX from them and then I called XXXX XXXX customer support. I could only reach XXXX 's in-app customer support and they couldn't look up the case number because I was using XXXX with a bank not the XXXX app. They transferred me back to Chase customer support once they heard that I was using Chase to send XXXX payments. Finally I got connected with a Chase customer support who knew what was going on. That person told me frankly there was nothing Chase could do other than filing a report with XXXX and wait on the results, because my case is scam ( I sent the money willingly ) instead of a fraud ( money was gone without my knowledge ). I haven't heard from Chase or XXXX on this matter so far. I've also filed a police report with Houston XXXX. 

More background on the scam : I saw the sublease post on XXXX Then started texting the scammer with phone number XXXX XXXX XXXX ( now doesn't exist ). After getting the details about the sublease over several days of communication, we had a XXXX video call. Then we finalized on the sublease contract. We both signed and sent the copy via email XXXX ( used for XXXX but now unregistered ). I paid a {$500.00} deposit via XXXX during the signing. Afterwards, the scammer can no longer be reached. 

Original XXXX post was deleted : XXXX XXXX XXXX
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 to privacy and confidentiality under 15 USD 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 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 sections 2 : it also stated 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 consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 u.s.c 1681 s-2 ( a ) ( 1 ) 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: Mortgage

I started a refinance process with Loan Depot back in XX/XX/2020. The process was going well but then we got an appraisal which was from a company they selected and the appraisal come back really bad. They had the wrong square footage from my property, missing about 500 sq/ft. Did not disclose all the work we have done in our house or anything. 

Covid came to play and the process got totally derailed where they couldn't move forward because of the appraisal. They said they would be able to get another one since the first one was not reliable. Months have passed and they can't move forward OR want to refund the appraisal money so I can shop somewhere else. 

We got a recent appraisal from another company and that one is realistic so we are currently working with another company.
Product: Money transfer, virtual currency, or money service

I am reaching out about Zelles handling of disputes I sent money out with this app many times and moved it until it was a problem in XXXX with me sending out money to the wrong person and could not get it back my bank was linked with XXXX XXXX XXXX and Im still unable to get my XXXX back I just had my kid around that time and really needed the money
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I received a personal loan from Big Picture Loans in the amount of {$1000.00}. I was told my payments would be {$220.00} on the XXXX of each month. Before accepting the loan I asked how much I would pay in interest if I paid the loan off right away in XX/XX/XXXX, the agent said about {$160.00}. XXXX. My first payment of {$210.00} was deducted from my bank electronically on XX/XX/XXXX. Another {$210.00} was deducted on XX/XX/XXXX. I called Big Picture Loans and made a complaint stating that was not what I agreed to. I asked the representative how much I would need to pay off the loan on XX/XX/XXXX. She stated {$1000.00}. I purchased a cashiers check from XXXX XXXX, check # XXXX on XX/XX/XXXX, and mailed it to Big Picture Loans Customer Support XXXX XXXX XXXX XXXX, MI XXXX I stopped all future electronic deductions from my account. I paid {$450.00} in interest from XX/XX/XXXX to XX/XX/XXXX. On XX/XX/XXXX I  received an email from Big Picture Loans stating that they received my cashiers check in the amount of {$1000.00}, but due to me putting a stop payment on this account, I have a remaining balance of {$310.00}, and to keep in mind that additional finance charges accrue daily.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX BALANCED {$760.00}
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, Stevenson v. TRW ( XXXX ), and Richardson v. Fleet, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

DEPT OF EDUCATIONXXXX XXXX
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 XXXXXXXX, 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 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 XXXX 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 reporting or other personal consumer reports

Since this is my second request, I will also be providing the reasons for disputing the information. I have enclosed it again sending a copy of this letter to the Federal Trade Commission to inform them that I have proof of sending letters to you and that you have not complied with my request. Additionally Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), Fair Debt Collection Practices Act ( FDCPA ) I am entitled to dispute inaccurate information on my credit report and expect a thorough investigation of my claims, I have reported this matter to the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX  XXXX XXXX XXXX to seek their assistance in resolving this issue. XXXX XXXX XXXX and the following inquiries are still on my report your investigation did nothing zip szero zilcg you send me another ambiguous response and the following inquiries are still on my report your investigation did nothing zip zero zilch you send me another ambiguous response XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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: Mortgage

My wife divorced me 2 years ago. In the court papers the house was given to me until the end of XXXX at which time I had to have refinanced the house or sold it. The house was approximately XXXX to XXXX XXXX upside down. No one wanted to refi it or buy it. So an individual I knew did a loan modification for me and submitted it to XXXX. XXXX said that the modification was approved in XXXX of XXXX and the paperwork was fedexed to me. I never got the paperwork. In februrary I was sent a letter from XXXX telling me that the mortgage was sold to SLS. SLS acknowledged that the mortgage had been sold to them. I thought that meant the modification had been approved. Unfortuantely I was told that the mortgage had been foreclosed on by SLS and sold to a third party called XXXX XXXX XXXX XXXX. I was not made aware of this until a man showed up at the door at the XXXX and told my roommate that my home was foreclosed on and put on the acution block and sold to his company and he had put the utilities in his name as was ready to move in. I immediately contacted XXXX and they told me that as far as their records show the loan modification was still active and on the books. I went to court on Monday in XXXX and the judge dismissed the eviction notice and told the lawyer that he did not have any official paperwork to do the eviction, At that point the judge referred the matter to XXXX court for a hearing on XXXX XXXX at XXXX. 
Specialized Loan Service contact information is as follows : XXXX Co. XXXX XXXX Arizona XXXX The property address that is in dispute is : XXXX Arizona XXXX I a good deal of this was done without my knowledge. I continue to wonder why XXXX after not hearing back from me about the paperwork did not send a follow up letter of something informing me that it was sent. I went over to the XXXX bank several times to find something out.
Product: Credit reporting, credit repair services, or other personal consumer reports

previously distributed XXXX XXXXXXXX account date opened XX/XX/XXXX with a balance of {$4100.00}. 
results came back stating account previously and dispute not resolved reported by data furniture to the use for FCR bye XXXX  while XXXX XXXX report dispute result reported by grantor, I strongly disagree with investigation results. Capital one continues to report factually incorrectly. previously account reported payment history with XXXX as agree all the way from XX/XX/XXXX through XX/XX/XXXX with perfect payment. While the last payment report for XXXX with Equifax and XX/XX/XXXX with XXXX and XXXX. Payment history was not making no sense with what was being reported on date last payment. After I disputed account, payment history delete ok as agreed and replaced it with consecutive charge off as if it was some sort of payment method. payment history does not match what was being reported on the last payment. Account has deleted data from the last payment. This is not acceptable information can not just be deleted like nothing on credit report.
Product: Credit reporting

XXXX XXXX XXXX is reporting my social security number associated with a fraudulent alias created by a financial criminal. The fraudulent alias, " XXXX XXXX, '' is associated with social security number and keeps getting reported by XXXX XXXX XXXX XXXX to Trans Union. By doing so, XXXX XXXX XXXX XXXX is effectuating financial fraud and permitting XXXX XXXX XXXX to commit financial fraud and identity theft against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was provided with incorrect information twice. on XX/XX/11 I was told that the account I was complaining about would be reported correctly on XXXX. I called on XXXX and was told I need to call the dispute department so they could add the account ( that did not make sense to me at the time but I did it anyway ). I spoke with the dispute department who told me they coud n't add an account and I can't dispute information that's not there. I asked to speak with a manager every time but was told they would just tell me the same thing the rep was telling me. It was extremely difficult to access a manger they fought me tooth and nail before someone finally transferred me. My problem with them is, I have  an account that is not being reported on Equifax but is reported on XXXX and XXXX. The creditor of 20 years told me multiple times that they are reporting it to Equifax but for some reason, Equifax is not reporting it. Equifax has by far been the worst agency to deal with, and I am a subscriber of their premier credit monitoring plan. I still have not had this issue resolved. Other creditors may pull my Equifax fico score and it would be incorrect because of their non-reporting, this would cause me financial harm in terms of higher rates or declined credit.
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXXXXXX Balance Owed : {$110.00} XXXX XXXXXXXX Balance Owed : {$1500.00}
Product: Checking or savings account

On XX/XX/21 I bought a paintball gun on XXXX and I disputed the charge of {$830.00} because the gun was not working and I got scammed by the seller selling me a broken piece that is not usable. Wells fargo gave me my funds back then sent it back to my account. I was apart of a scam and fraudulent activity on XXXX. My account was over-drafted and wells fargo still charged my account. The seller would not take the item back and even promised to return some broken parts to me but never did.
Product: Credit reporting or other personal consumer reports

I have reached out to Transunion with assistance with my Identity Theft problem with no assistance. I have done everything they asked of me to have these fraudulent inquiries removed from my credit report. I retrieved a police report from the city of XXXX, New Mexico where my wallet was stolen with my ID and credit cards in it. After Transunion asked for the police report and promised to remove the inquiries while on a recorded line, I made sure that I mailed it to them certified. They were not removed. I called to see if they could remove them and I was then told that I needed a FTC report, and again on a recorded line, i was told that the inquiries would be removed once they received the FTC report. I Then got the FTC report and sent it to Transunion, and they still have not removed them. Transunion continue to say that they verified the information even though these items are not attached to any accounts that I have. I was asked by a few representatives have I spoken with the creditors and each time on a recorded line, I stated that I did. I was told by the creditors that they had no information in their computer systems bearing my name or no part of my identity. They also stated that they could not send anything to Transunion on my behalf because they didn't have nothing that attached me to their business, but Transunion continues to say that the information has been verified. I asked for a copy of the application with my signature on the application from all the creditors listed and I have yet to receive anything. The incorrect data and no signed application showing proof that these inquiries belong to me was reason to remove all fraudulent inquiries from my credit file. I am asking for your assistance in this matter to step in and push them to do the right thing and remove these fraudulent items. I have sent them several reports including my personal Identification from the month of XX/XX/XXXX until now XXXX XXXX below are the fraudulent inquiries ; ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. ) PLEASE HELP ME WITH THIS LYING BUREAU!!!!!!!!!! 

THANK YOU
Product: Debt collection

Please provide Proof of debt with an original signed contract. If you can not provide an original contract with the signature of the purported debtor, this account should be deleted, as it is not mine & this debt can not be truly verified by any other means.
Product: Credit reporting, credit repair services, or other personal consumer reports

A major data breach occurred at Equifax, and millions of people 's sensitive private information was leaked. This leak will lead to a lifetime of vulnerability to identity theft. It took over a month for the news of the leak to be made public, and I was never notified individually -- Equifax relied on mass media to take responsibility, when Equifax is the company responsible for maintaining safety of the data. The tool used to cross check whether an individual 's information was leaked is not secured with https, and appears to have been broken -- news outlets reported nonsense input leading to the same output. 

Furthermore the proposed solution will do little to mitigate the harm poses by the company 's insecure data storage. In fact, by starting people on free subscriptions to their own credit monitoring service ( and only their own credit monitoring service ), they are likely to make money off of this leak when it comes time for consumers to renew in one year 's time.
Product: Mortgage

I have complained 4 times regarding Bank of America, since my complaints I have resolved my payment problem, however they did not resolve it but I did. I applied for the Home Saver Program with the State of NJ and pursued that option until I finally got the money to bring my mortgage up to date. I am now trying to do a modiffication since my account is current but the bank will not give you that unless you are delinquent. This is a no win situation you are damd if you do and damd if you dont. I will never recommend BOA to anyone that is looking for a mortgage, they do not care about their clients. I want this agency to change their practices and help people instead of degrading them.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the incorrect personal information that is reporting on my Credit Reports and needs to delete immediately : Wrong Address : XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2021
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report. To my surprise, you are reporting these accounts incorrectly. These collection accounts are reporting not only as OPEN, but also shows a past due balance of {$6600.00}, {$4900.00}, {$4300.00} and {$12000.00} respectively. According to the FCRA, I have the right to an accurate credit report. Please remove these accounts immediately from my credit report. Please provide me a copy of my new credit report reflecting these accounts removed upon completion. 

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

Good Morning, In regards to the Equifax promised TrustedID Premier credit monitoring & free credit report freezing. 

Not only have my credit accounts been compromised, but Equifax continues to be negligent with helping consumers protect their credit. I went to www.equifaxsecurity2017.com/ as instructed by Equifax announcement. I filled out the Equifax form to get free credit protection. 

Equifax then sent me an email saying that they would send me another email to finalize my enrollment and activate my product. It has been 7 days since then and I have not received an email from Equifax to complete the enrollment. I ca n't freeze my accounts until the process is completed. So my credit is still vulnerable. I called the Equifax call center and they did n't have any info about activating my product, but told me to call another number. How do I know who is on the other end of this 'other number '? My confidence in Equifax is null. 

Please help consumers protect their credit and make Equifax follow through on their promises.
Product: Debt collection

I asked this company to send me original copies of the statements from when this account was opened. 

They have not provided sufficient proof. 

Student loans were included in bankruptcy.