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

I have been disputing this debt inaccuracy for months now and my latest letter from experian said my dispute letter was irrelevant information which is so untrue, the address that the debt was originated is listed on my report at two different locations, and the dates are unfamiliar to me, the debt is so old. It was opened in 2008.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account name : XXXX XXXX # XXXX, Account name : XXXX  XXXX XXXX  XXXX  # XXXX, Account name : XXXX XXXX  XXXX # XXXX has violated my rights. 15 U.S.C 1681 section 602A The three accounts listed above were all charged off. Although they are all charged off Experian is still listing the accounts as " past due " each month after the charged off dates.

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

I talked to Shellpoint Monday, XXXX/XXXX/XXXX about all of the necessary documents needed for my short sale. I faxed them off the same day and received a fax confirmation. 

Today, XXXX/XXXX/XXXX I received a call from the XXXX XXXX ( Single Point of Contact ) stating that they did not receive my documents with XXXX dates or signatures, which is false. He also stated that now they need new, updated bank statements and pay stubs, which was never mentioned on my call with them on Monday, XXXX/XXXX/XXXX. I am getting ready to refax ALL of these documents again. This is so ridiculous. They are extremely incompetant. 

There is still a clear lapse in communication with this mortgage company. They constantly lose documents and give inaccurate information. This is slowing down my court-ordered short sale process. I am still paying other bills on this property such as security to protect from squatters as well as HOA fees.
Product: Credit reporting

I went through XXXX to receive my credit report. No problem at all with XXXX. TransUnion is another story! Once I was redirected to the TransUnion website and pulled up my credit report the website directed me to a password site ( within just a few seconds ). I was not aware of any password for TransUnion. I contacted customer service and was given a temporary to get into my account. Ahh all good, right? Not so fast! When I tried to get in to see my credit report and it gave me the message that you have accessed your XXXX free report and are not allowed more than XXXX but, I could purchase XXXX. Problem, I would n't let me access my free report. I contacted customer service XXXX more times trying to get to my report. Basically, I was told that once the page was moved away from I no longer had access to my report. Funny, their site removed me in less than 30 seconds from being in my report. When I ask if they could reset so I could get in since it was the same day. I was told to every question " No, you will have to buy XXXX ''. What a scam! Kick you out of your report so you have to pay to get XXXX. 
Note : The other agencies sent me emails with reference numbers so I could pull up my free report at anytime. 
I work in XXXX side of things, so I know what can and ca n't be done from a application standpoint. I work for a company XXXX and I know the business. When I asked to talk to someone XXXX to help get the flag reset - I was told they did n't have an XXXX department - WHAT!! Anything I requested was denied, saying you can buy a report ( get the picture? ). 
Bottom line I believe TransUnion is pulling a scam to make you have to buy a report. 
XXXX last note. The main reason I was pulling my report from TU in the first place was to get them to close a XXXX account that had been reported to the them as paid and closed in XX/XX/XXXX 2015 but, they failed to do so. I have proof XXXX they were sent the information but, never updated the account. This is affecting my credit score. When I ask the CS person if I could get help with closing this account - Ummm, yes but, you have to have your Report ID and that means I have to buy XXXX because I ca n't access my free XXXX to get that ID. Just another pointer towards a scam. I bet I heard you will have to purchase a report more that 10 times in the course of trying to get my free one.. PLEASE HELP! Why are these companies under more stringent regulations and control - they basically control our lives!
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX XXXX XXXX Account NumberXXXX
Product: Mortgage

I received a letter approximately XX/XX/XXXX stating that my escrow account was short, when I looked at the balances I noticed my escrow account had paid someone elses property taxes along with my own. When I called and verified that they paid the wrong taxes they assured me it would be handled within 30 days, when I called back on XX/XX/XXXX they said things look good and call back on the 24th to make sure everything was handled. When I called back nothing had been completed and my escrow account was still negative approximately {$2000.00}. So now I am stuck with a {$400.00} a month payment higher than I should have due to their error my normal payment is {$580.00} and my new payment due to their error is {$1000.00} and there seems to be no fix in sight. I have to wait for them to get a refund from the local tax Authority before they can fix my account, I dont feel as I should over this debt being it was their mistake. Why do I have to wait for them to get a refund before fixing my escrow balance making the mistake my liability
Product: Prepaid card

I received a rewards american expressed virtual pre-paid card on XX/XX/2023. It was for {$25.00}. In the cardmember info it says " Use at U.S. merchants that accept American Express Cards. '' I attempted to use at XXXX and it was declined. I also attempted to use it at asos.com and it was also declined. I called the customer service number listed on the card ( XXXX ) and asked why my transactions were being rejected even though I was spending less than the {$25.00} amount on the card. The representative stated that the amex card is unable to be used at XXXX due to security measures and did not offer any more explanation. I then asked for examples of retailers that would accept the card and he stated that he was unable to answer that question.
Product: Credit reporting or other personal consumer reports

I am being told I have XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX before I left. 
The XXXX XXXX XXXX XXXX XXXX XXXX which I started in XXXX and graduated at the XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 
The school was located at XXXX XXXX XXXX XXXX XXXX NV XXXX. 
It closed XX/XX/XXXX and became XXXX XXXX. 
My graduating teacher was XXXX XXXX... she was a red hair, Caucasian woman with freckles. 
I XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and it should be on video at the XXXX XXXX. 
The phone number was XXXX Located across from XXXX XXXX. 
I don't know why XXXX XXXX is putting false XXXX under my SSN unless someone used a computer and was going to school online because XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX paid XXXX cash in total to XXXX XXXX XXXX XXXX XXXX XXXX XXXX I paid XXXX upfront and XXXX before XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX Here 's the phone number for XXXX XXXX XXXX. The second school I paid in full was XXXXXXXX XXXX XXXX XXXX. I was told by XXXX XXXX  the same day I XXXX XXXX XXXX XXXX to put my money in a Cashier 's Check ... XXXX when I went to XXXX XXXX XXXX XXXX XXXX XXXX XXXX.. I got one from XXXX XXXX XXXX. I returned they said they didn't have that much change in the register to give me back XXXX but they will leave it for them to enter in the morning. The XXXX XXXX put my money order inside the register... but someone stole my ID prior and probably used it to cash my money order. I also got a XXXX XXXX XXXX XXXXXXXX XXXX but the cashier 's check was Never applied to my XXXX  and I went down there recently ... I asked for my refund and the representative said I Owe them ... ..I almost passed out... I need my money. I was XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX when someone claimed I ran into there car but on video ... .I was in a entirely different side of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.. .I was working at XXXX XXXX XXXX XXXX XXXX XXXX XXXX... and kept falling asleep in XXXX so I dropped out because XXXX XXXX became overwhelming for me plus taking care of my XXXX XXXX XXXX XXXX XXXX.. .I had to pick them up from XXXX at certain times and without my kids father ... XXXX was there only source of getting home.
Product: Credit reporting or other personal consumer reports

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

XXXXXXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A . States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I received a copy of my credit report and this account XXXX XXXX is reporting that my account is open and I missed payments this account is closed as a charge off so how can they say the account is open plus the balance on the account is wrong I have proof as well
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681 states that I have the right to report my own consumer report in any way that I choose, and there is no provision in the code that prevents me from exercising that right. Unfortunately, old information is not being removed from my consumer report, and the reporting agency is acting in violation of my rights under this code section. My reporting agency has told me several times that they have the right to report whatever they think is true and forever, even if there is nothing to substantiate those reports. I believe the reporting agency is incorrect, and I am asking that this information be removed from my consumer report immediately.
Product: Checking or savings account

On XX/XX/year> I received a notification at XXXX that my account was overdrawn by XXXX. Per Chase policy I have until midnight to bring the balance under XXXX dollars to avoid the XXXX overdraft fee. 

At XXXXXXXX XXXX I deposited XXXX into my chase account bringing it to a positive balance of XXXX. My account was in the positive past midnight. After XXXX  on XX/XX/year> more charges processed. Which placed my account in the negative. 

However what chase did was they went back as they always do with their predatory practices. They backdated charges that were not on my account or included in the total from XXXX. It totally reworks the balance and they made it seem as if I had been in the negative for the past 2 days and they hit me with XXXX different XXXX XXXX fees. I have proof that after midnight my account was not in the negative as I made another purchase in the amount of XXXX and the negative indicator did not come to my phone as it does any time it goes into negative. 

Outside of that another transaction processed at XXXX XXXX for XXXX. Which at that time my account would have been in the negative on XXXX for XXXX. But as I stated they do a reallocation of charges and the system ensures that they can charge you the maximum number of fees for revenue. When in fact per their written policy I should have had until XXXX on XXXX to bring my balance current. 

I have screenshots and proof of my online banking
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes,, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies,, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about customer safety
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. Here is the list of inquiries that are still reporting on my Credit Reports : XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

Please see attached documents. Do not close this complaint stating it is not me. I am a natural person XXXX a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Original XXXX XXXX Account XXXX XXXX Current Collector- Union 15 U.S.C.1681 section 602A states I have the right to privacy. In accordance with the fair credit reporting act XXXX XXXX has XXXX my rights. 

604A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Creditor, XXXX XXXX emailed me to fix my account. We agreed to start payments over starting on XX/XX/XXXX of {$100.00} a month til paid off but I am still receiving late payment alerts in my email so I disputed and stated I made a plan with XXXX XXXX. And the dispute came back the same no change. 


XXXX XXXX XXXX To : XXXX Sat, XX/XX/XXXX at XXXX PM Visit XXXX  XXXX Congratulations! Your payment plan is now set up. 
Product Name : XXXX Account ending in XXXX Here 's your plan summary : Thank you for setting up your payment plan on XX/XX/XXXX. Your total to be paid is {$2400.00}. 

Installment breakdown : # Date Amount Status 1 XX/XX/XXXX {$100.00} Scheduled 2 XX/XX/XXXX {$100.00} Scheduled 3 XX/XX/XXXX {$100.00} Scheduled 4 XX/XX/XXXX {$100.00} Scheduled 5 XX/XX/XXXX {$100.00} Scheduled 6 XX/XX/XXXX {$100.00} Scheduled 7 XX/XX/XXXX {$100.00} Scheduled 8 XX/XX/XXXX {$100.00} Scheduled 9 XX/XX/XXXX {$100.00} Scheduled 10 XX/XX/XXXX {$100.00} Scheduled XXXX XX/XX/XXXX {$100.00} Scheduled 12 XX/XX/XXXX {$100.00} Scheduled 13 XX/XX/XXXX {$100.00} Scheduled 14 XX/XX/XXXX {$100.00} Scheduled 15 XX/XX/XXXX {$100.00} Scheduled 16 XX/XX/XXXX {$100.00} Scheduled 17 XX/XX/XXXX {$100.00} Scheduled 18 XX/XX/XXXX {$100.00} Scheduled 19 XX/XX/XXXX {$100.00} Scheduled 20 XX/XX/XXXX {$100.00} Scheduled 21 XX/XX/XXXX {$100.00} Scheduled 22 XX/XX/XXXX {$100.00} Scheduled 23 XX/XX/XXXX {$100.00} Scheduled 24 XX/XX/XXXX {$100.00} Scheduled 25 XX/XX/XXXX {$36.00} Scheduled You can view your payment plan details at any time. 

View Your Payment Plan Important Information from XXXX  XXXX If you are concerned about clicking links in this email, please call XXXX. 

Contact Us | Privacy | Help Prevent Fraud | Dispute this account | Learn more about this balance
Product: Credit reporting, credit repair services, or other personal consumer reports

Purchased my XXXX XXXX XXXX at XXXX XXXX  XXXX on my Home Equity loan in XX/XX/2014. Acct # XXXX. Through XXXX XXXX, US, Maine. A week later I rec 'd letter that the HOME Eq.at XXXX XXXX  had matured and they required payment of the car loan, {$22000.00}. in full immediately. I didn't have that much and XXXX  refused a short term loan, even though we'd never, ever been late on mortgage, credit card, etc. The XXXX XXXX XXXX manager promised a loan, but corporate refused. I paid the entire amount off by XXXX ( Last check, ck # XXXX for {$7400.00}, the last payoff, cashed XX/XX/2014. ) Now, 6.5 yrs later, Experian says XXXX claims a " WRITE OFF of {$7400.00} ) There was no " write-off ''! It's a scam to imply a bad debt for their tax advantage. Was this claimed on their taxes? And how many other victims experienced the same scam? They're ruining my credit 6.5 years later! Experian says they checked my dispute and XXXX  stands by the " WRITE-OFF '' even though they recognize it was paid. I need to know if this is a practice ... Putting down " WRITE-OFF '' to suggest they had bad debt of {$7400.00}. Their financials need investigating! Please advise. Thank you. XXXX XXXX XXXX. By the way, I did supply XXXX  with the vin number of the car, but they couldn't find it in their records. Yes, I will make this public if it isn't investigated. Please investigate this practice by XXXX Bank, USA and Experian. 
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, SC. XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I hired Square One debt settlement to help me pay off all my credit card debt. Monthly XXXX was taken from my account to amass funds for debt settlement and the fees included with this service. In XXXX of XXXX this company went out of business. Mo fees that remained were returned to me. The owner was to give me the new company taking over. No information for that was provided. 

In essence they took my fees and ran.
Product: Mortgage

I 'm trying to get my house refinanced with XXXX and I was told that a title search showed my old mortgage company ( BANK OF AMERICA ) sold my loan to XXXX Mortgage a few years ago ( XXXX, XXXX? ) but allegedly did not file a release of Lien with the proper county. My account number ( before my loan was sold to XXXX ) with Bank of America is so old the bank had a hard time finding it on their records ( and i 'm not sure if they really did, anyway ). When XXXX asked Bank of America to release the lien so we could finalize the closing they were told it is going to take three weeks, thus denying me the closing on my house and forcing me to miss more workdays ( at a monetary loss to me and my family, not including my stress level that just hit the roof ). I was passed from one person to another three times ; the last individual I spoke with was someone named XXXX ( XXXX ) and she was not very pleasant either. 13 years of not filing the lien release on a mortgage loan they sold to another mortgage company is appalling and unethical. Not willing to resolve this issue in a timely matter is outrageous. I need this issue resolved immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Edit Federal Trade Commission : IdentityTheft.gov FTC Report Number : ( to be generated ) I am a victim of Identity theft. This is my official statement about the crime. 

Contact Information First Name : XXXX Middle Name : XXXX Last Name : XXXX Address : XXXX XXXX XXXX XXXX, MO XXXX USA Phone : XXXX Email : Personal Statement XXXX XX/XX/XXXX Accounts Affected by the XXXX Credit Card Opened by the Thief Company or Organization : the company Fraudulent Information on Credit Reports Accounts or Charges Yes, fraudulent accounts or charges appear on my credit report Personal Information Names : XXXX Addresses : XXXX XXXX XXXX XXXX XXXX ga Credit Inquiries XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Under penalty of perjury, I declare this information is true and correct to the best of my knowledge. 

I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both. 


XX/XX/XXXX Date Use this form to prove to businesses and credit bureaus that you have submitted an FTC Identity Theft Report to law enforcement. Some businesses might request that you also file a report with your local police. 

* Check the box to sign your identity theft report : I understand that knowingly making false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both. 
PreviousFinalize IdentityTheft.gov is the federal governments one-stop resource for identity theft victims. The site provides streamlined checklists and sample letters to guide you through the recovery process. 

Visit ftc.gov/idtheft for prevention tips and free resources to share in your community. 

Privacy Policy XXXX XXXX # : XXXX Under the Paperwork Reduction Act, federal agencies are not allowed to collect information from the public without a valid XXXX control number. 

Create a Personal Recovery Plan Browse Recovery Steps Know Your Rights Sample Letters Warning Signs of Identity Theft What To Do If Your Info Is Lost or Stolen Credit Bureau XXXXontact Info Other Helpful Contact Info
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted this credit reporting agency about Identity theft on several occasions. The following accounts are not mine as I am a victim of identity theft I have included the police report. PLEASE BLOCK ALL FRAUDULENT ACCOUNTS FROM MY EXPERIAN REPORT. PLEASE REVIEW THE POLICE REPORT. 

" Upon receipt of a valid police report or valid state approved identity theft form, Experian blocks alleged fraudulent information from view by creditors and other users of the report. '' ( I HAVE SENT VALID POLICE REPORTS AND STILL HAVE THE FRAUDULENT ACCOUNTS ON MY FILE. PLEASE BLOCK THEM! This is my FINAL request to have the following are listed items listed below BLOCKED & REMOVED! 

***************************************************************************************************** # 1. TXXXX XXXX XXXX # 2. XXXX XXXX XXXX # 3. XXXX XXXX XXXX XXXX. # 4 XXXX XXXX XXXX # 5 XXXX XXXX XXXX  .... # 6 XXXX XXXX XXXX ( 2 ACCOUNTS ) # 7 XXXX XXXX XXXX XXXX XXXX ( 3 ACCOUNTS ) # 8 XXXX XXXX XXXX XXXX XXXX # 9 XXXX XXXX XXXX XXXX As well as I have fraudulent inquiries on my credit file ... .. All 3 of these should be deleted immediately ... 1. XXXX 2. XXXX 3. XXXX