23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On Saturday morning, XX/XX/2022, my car was broken into and my PayPal debit card was stolen and used fraudulently at several locations, including XXXX 's twice and the XXXX XXXX three times, for a total of {$6800.00}. As soon as I realized my card had been stolen, I promptly locked it, reported it stolen, and filed a police report. I also have surveillance footage of the break-in. 

In response to the fraudulent charges, I opened XXXX cases with PayPal. XXXX of these cases were closed in my favor, but XXXX  were closed not in my favor, even though the charges were made within a few minutes of each other at the same store. For example, the XXXX charges made at XXXX 's were made just a minute apart, with XXXX charge for {$2100.00} being refunded and the other charge for {$960.00} not being refunded. 

On Friday, XX/XX/XXXX, I called PayPal customer service and after being transferred multiple times, I spoke with someone who promised to reopen the XXXX cases that were closed not in my favor. However, as of today, XX/XX/XXXX, this has not been done.
Product: Credit reporting or other personal consumer reports

UPON REVIEWING MY CONSUMER REPORT, I HAVE DISCOVERED INACCURATE INFORMATION REPORTING IN MY CONSUMER REPORT. 

REPORTING XXXX XXXX : XXXX. The following personal information is incorrect Known As : XXXX XXXX XXXX Please remove this inaccurate information from my credit report. 
XXXX. The following personal information is incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Previous Address : XXXX XXXXXXXX XXXX XXXXXXXX MN XXXX XX/XX/XXXX Please remove this inaccurate information from my credit report. 
XXXX. The following personal information is incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX MN XXXX XX/XX/XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX MN XXXX XX/XX/XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Previous Address : XXXX XXXX XXXX XXXX MN XXXX XX/XX/XXXX Please remove this inaccurate information from my credit report. 
XXXX. The following personal information is incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX MN XXXX XX/XX/XXXX Please remove this inaccurate information from my credit report. 
XXXX. The following personal information is incorrect Employees : XXXX XXXX XXXX XXXX XXXX  Please remove this inaccurate information from my credit report. 


REPORTING XXXX XXXXXXXX : XXXX. The following personal information is incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Previous Address : XXXX XXXX XXXX XXXX MN XXXX XX/XX/XXXX Please remove this inaccurate information from my credit report. 
XXXX. The following personal information is incorrect Employees : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Please remove this inaccurate information from my credit report. 

REPORTING XXXX  TRANSUNION : XXXX. The following personal information is incorrect Previous Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX MN XXXX XX/XX/XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Previous Address : XXXX XXXXXXXX XXXX XXXXXXXX MN XXXX Please remove this inaccurate information from my credit report. 
XXXX. The following personal information is incorrect Previous Address : XXXX XXXX XXXX XXXX Please remove this inaccurate information from my credit report.
Product: Mortgage

Had a home mortgage through XXXX XXXX XXXX  from XX/XX/XXXX-XX/XX/XXXX, then was switched to M & T Bank in XX/XX/XXXX. No notice was given to this switch until I was placed into foreclosure XX/XX/XXXX. The loan from my understanding was eligible for me to drop the insurance hazard insurance fee almost $XXXX  dollars extra/month due to me paying off  atleast 20% of the price of the phone. There was also another $XXXX  in late fees carried over to M&T bank when I was never delinquent with XXXX XXXX. However, when I discovered the loan was with M&T the $XXXX late charges were billed from them plus an additional $XXXX of late payment fees plus still no removal of the $XXXX  hazard insurnace. I had my Attorneys from XXXX XXXX XXXX XXXX write a letter demanding adjustment of these fees. There was no response until I received a phone call from M& T Bank on XX/XX/XXXX stating that if I did not pay 5 total payments of mortgage valued over $XXXX dollars then foreclosure would be accelerated and I would lose my home. I explained I just received notice of this and they said I could pay 4 months because XXXX was not due yet. I payed the four months to take this out of foreclosure and spoke with an XXXX   and it was agreed upon paying these 4 months would not get me reported to the bureau. As ofXX/XX/XXXX, M&T reported me delinquet for XX/XX/XXXX Payment when I paid the mortgage through XX/XX/XXXX. This caused my credit score to drop almost 90 points and kept me from getting an XXXX  Credit card.
Product: Debt collection

XXXX has kept me on the phone for over two hours on several occasions in which I am transferred back and forth between customer service and billing where they claim to fix the problem on their end and that I need to speak with the other department to finish up but nothing is actually done. They confirm it is me by asking about several personal identifiers and refusing to proceed if I do not confirm every one, have me describe the entire issue, and then say they have no record of it. This includes minutes long hold times with each person, refusing to get a supervisor, and saying they will conference with the other department with me while then continuing the cycle. I have been verbally abused and threatened with lawsuits by XXXX call representatives throughout this time. 

I have bills for supplies I never received and have notified them I changed insurance twice since I last used them with a prescription in XXXX. Despite verbal and written requests to cease autoship for XXXX XXXX  I continue to receive them. XXXX calls my cell phone multiple times a week with voicemails left that are unclear as to who is calling or why until you call the number back. 

On XX/XX/XXXX, I received 5 letters in the mail from ARStrat about alleged debt owed to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

For well oveer a year, I have been going back and forth with Equifax about an alleged accoumt with XXXXXXXX XXXX that is being reported inaccurately. As far back as XX/XX/XXXX, this account has been updated with aXXXX  balance and even removed from my Equifax consumer report. XXXXXXXX XXXX  issued a 1099-C in XXXX. I have sent this to Equifax on multiple occasions, on for them to add it back to my consumer report with a balance. I was told by Equifax to reach out to XXXXXXXX XXXX  because they control what is reported. XXXX XXXX said its up to Equifax as to how the account is reported. On XX/XX/XXXX, an agent from Equifax told me, the account has been removed from my consumer report several times, but when XXXX XXXX reports, the account is re-added.
Product: Credit card or prepaid card

Capital One prepaid credit card of {$300.00}. Payed off balance and closed account in XXXX, was told refund would be issued after 30 days. Called again at that time, was told after 60 days. Called again at that time, was told check was issued, should arrive in 7-10 days. Called again after that time, was told someone would call me back. Called one week later ( today ), was told no check was ever issued, call after 90 days. The stories and timelines never add up and most of the people I speak have foreign accents. I feel that I am being scammed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told by a customer service agent that I needed a copy of the police report in order to have this account blocked from my report- I 've provided that numerous times and it is still showing on my report. Please block this creditor ; I 've been telling XXXX for nearly three years now that it does not belong to me!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I wrote to Experian and XXXX to get a Federal Tax Lien dating back to XX/XX/XXXX removed. The allowable reporting period of 7 years has been exceeded. Neither credit bureau responded or made a change to my credit report.
Product: Mortgage

Improper Servicing practices and problem resolution with Plaza Home Mortgage during XXXX XXXX trial period payments after offer of Flex Modification work-out resulting in removal from Loss Mitigation workout and denial of Flex Modification due to incorrect recoding perceived as an untimely payments which is a term to default on the trial. 



After my successful trial and not receiving my modification paperwork after my completed trail period I emailed XXXX with no return call. I was later confirmed by XXXX Customer Service that original trial payments were received ( XXXX tracking available ) yet XXXX trialchecks were being returned to me to be rewritten ( reissued ) due to clerical issues. The reissued trial checks were misapplied ( not applied to trial ) once received by XXXX. Note : I reissued the checks as soon as notified and verifying s not cashed, and mailed via XXXX  ( tracking available ) as opposed to waiting for the original checks to arrive via XXXX weeks later.I was told I would not be penalized for the misapplication, and my representative would be able to rectify the issue and would be the ONLY XXXX to move my account back to Loss Mitigation and get my modification back on track. This never happened. I was referred to Foreclosure, and then Servicing transferred to XXXX on XX/XX/22. XXXX stopped foreclose and asked me to complete a new loss mitigation package which was denied. If XXXX has made the corrections to my file as promised, I would have already been on my trial period. I can NOT be displaced. My XXXX yo mother lives with me. I lost my job of over 20 years, and i singe mom of XXXX. I now have the means to afford my mortgage and stay in my home. I have appealed the case with XXXX and contacted XXXX XXXX for help as well as they own my loan. I am opening cases with the regulatory agencies as I know rules were broken and consumers have rights, I was mistreated, ignored, and disrespected. This servicer dropped the ball and does not care. Help!
Product: Checking or savings account

retirement funds were sent to me from XXXX XXXX XXXX  nj i endorsed check check never made it to my bany was stolen and cashed check was drawn on wells fargo who refuses to speak to me XXXX XXXX  says its my problem as check was cashed
Product: Money transfer, virtual currency, or money service

Due to the recent CFPB lawsuit against Zelle. I am writing to express my personal thoughts and concerns with the mishandling of the disputes against Zelle. As a consumer through one of their bank partners. I use Zelle on a frequent day to day basis. In the past reporting discrepancies through my bank institution and Zelle, Ive been failed to be helped with any claims I have made. They failed to further investigate or report any reported lost funds. Stating that lost funds through their end in no longer accessible to them and tracking down any transactions were impossible. Through the CFPB findings they indicate that they have failed to protect consumers and have also allowed repeated offenders to exploit their systems. Leaving consumers prone to unwanted scams. The lack on accountability on Zelle is truly unacceptable and should be raising more questions on what us daily consumers invest our personal money into.
Product: Credit reporting, credit repair services, or other personal consumer reports

After carefully going over my credit report I noticed there are accounts on my credit report that are reporting inaccurately. On XX/XX/2020 I wrote Equifax they failed to verify these inaccurate accounts with proper documentation. I rewrote them on XX/XX/2020 asking to delete these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted multiple time to get my consumer reports from XXXX XXXX, XXXX, and Chex Systems. I can not get them to provide me copies of my consumer reports.
Product: Checking or savings account

This is continuation of the complaint filed under the number XXXX. The bank 's response is incorrect. You are referring to the terms of online account which was not the terms offered to me. I opened an account in the XXXX XXXX as per terms provided by the XXXX XXXX. Also my bonus amount is incorrectly mentioned as {$450.00}. I have been promised {$600.00} as the terms are for opening an account in HSBC branch in XXXX. I have provided all the necessary attachments with emails and correspondences from the HSBC branch manager and the terms of offer in the above mentioned complaint. Request the educated employees of HSBC to please read take some effort to read the complaint and attachments sent before responding. I do not need to know what all offers HSBC had in promotion during a certain period for all customers. I want HSBC to honor the terms offered to me for which I have provided all the necessary emails and attachments from HSBC XXXX Branch manager.
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 ( XXXX ), before the end of the XXXX 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 Number : XXXX Account Name XXXX XXXX XXXX OF XXXX Account Number : XXXX Account Name XXXX XXXX  BANK XXXX Account Number : XXXX Account Name BANK XXXX XXXXXXXX Account XXXX XXXX XXXX
Product: Debt collection

Over the last 13 months, I have sent three certified letters to CONCENTRIC RECEIVABLES MGMT with a detailed request for debt verification information, proof I agreed to pay the debt, Proof that the debt was transferable, proof that they have the right to collect in Texas, and other information. To date my three, certified, signature required, verified received requests have gone ignored and unanswered. Instead I have disputed this debt several times and they keep putting it on my credit report pushing the date the account was opened sooner and sooner so that the debt looks new causing damage to my credit score
Product: Credit reporting or other personal consumer reports

My correct name and correct address are not appearing on my credit reports. I have reached out to Experian, Equifax, and TransUnion to correct these concerns, they have not made contact with me. 

I was just declined for an apartment at XXXX XXXX XXXX XXXX XXXX XXXXXXXX. All credit agencies are reporting the incorrect name, address, and date of birth. I do not want to go through the round and round with all of these agencies.
Product: Credit card or prepaid card

I had a net spend pre paid card I deposited $ XXXXon my card in XXXX. I was informed after the deposit was made that my account was suspended for suspicious activity. I called netspend and closed my account.T hey told it would take 10 days to get a check.I went the next day to buy a different card, by accident I got another net spend card put another {$50.00} onit.They wouldn't activate it so it would be another 10 days for that refund.well 7 months later I still have not received the second refund.i want my complete {$50.00} back.i feel I should be compensated for my time and aggravation net spend has caused .thank you for your time
Product: Checking or savings account

I am highly concerned about recent practice that Capital One has put into place. I asked my daughter to make a deposit into my account as I was unable to make it to the bank before they closed. Upon her making the deposit they requested her identification and social secuirty number - all this to make a deposit of 4 checks and cash, the total being less that {$4000.00}. When my daughter pressed to understand why they are asking for such information for a deposit, she was told that it was a new federal law to ask for Identification and SSN for a deposit. If she did not provide such information that the deposit would be rejected. When she relayed this to me, I immediately knew that this was not a federal law, it was more of a bank rule to safeguard againt check fraud. My concern with this is what are they doing with this information, especially the SSN. Are they mishandling non-client information for personal gain? One has no idea. That is very concerning. Futhermore, the inaccuracy of this being a federal law is ridiculous, and a compete lie that they are informing customer and non-customers alike.
Product: Debt collection

I've received repeated calls at all hours from a company by the name of Alliant Capital Management. The most recent call was at XXXX XXXX. Thinking it was an emergency I called the number back and received a voicemail for a person named XXXX at the above named company. This is absolutely ridiculous. I contact my creditors directly from the companies listed on my credit report. I do not answer numbers I don't know and I don't deal with companies who want money over the phone. I pay my bills that I receive by mail and that are listed on my credit report. These are extremely aggressive tactics for a debt that isn't proven to be mine. I've gotten calls before XXXX XXXX, after XXXX XXXX. It's not right. No other company has EVER behaved this way. I received voicemails threatening legal charges, that I could go to jail. I'm not stupid, I know that no debt, unless fraudulent, can put me in jail. I've committed no fraud so I know I'm in the clear. But I will not tolerate someone trying to defraud me.
Product: Credit reporting, credit repair services, or other personal consumer reports

After my purse was stolen my identity became comprised, place on the dark web and all. I learned of this after I pulled my credit file. The following accounts are unknown and unauthorized by me, therefore Im demanding that these accounts be removes imnediately. 

1. XXXX XXXX XXXXXXXX {$790.00} 2. XXXX XXXX {$790.00} 3. XXXX XXXX {$170.00} 4. XXXX XXXX {$92.00} 5. XXXX XXXX {$1100.00} 6. XXXX {$96.00} 7. XXXX XXXX XXXX {$850.00} 8. XXXX XXXX XXXX {$20.00} 9. XXXX XXXX XXXX {$35.00} 10. XXXX XXXX XXXX {$47.00} 11. XXXX XXXX XXXX {$16.00} 12. XXXX XXXX XXXX {$710.00} 13. XXXX XXXX XXXX {$75.00} 14. XXXX XXXX {$580.00}
Product: Credit reporting or other personal consumer reports

Credit Bureau Name XXXX, Equifax, XXXX Subject : Dispute of Incorrect Reporting by a XXXX XXXX Dear XXXX, Equifax, XXXX I am writing to dispute an item listed on my credit report, as I believe it is in violation of the Fair Credit Reporting Act ( FCRA ). The creditor ( XXXX XXXX ) which filed for bankruptcy and is no longer an operational business, continues to report information on my credit report. This is unlawful and violates my rights as a consumer. 

Over the past several months, I have made numerous attempts to resolve this issue directly with your bureau. Despite these efforts, more than 30 days have passed without an adequate resolution. As you are aware, under Section 611 of the FCRA, you are required to investigate disputes within 30 days and remove or correct any unverifiable, inaccurate, or incomplete information. 

The information in question is as follows : : Conns Appliances Account # XXXX Date of Dispute : XXXX XXXX Nature of Dispute : Kept disputing that Creditor no longer in operation due to bankruptcy and can not verify data. 

Since the creditor in question has filed for bankruptcy and is no longer operational, it is impossible for them to verify the accuracy of the information being reported. Continuing to report unverifiable information is not only a violation of the FCRA but also harmful to my credit standing. 

I request that you immediately remove the inaccurate information from my credit report. Failure to do so will leave me no choice but to pursue further action. These actions may include : 1. Filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ).

2. Contacting the Federal Trade Commission ( FTC ) regarding your failure to comply with federal laws.

3. Seeking legal counsel to address the harm caused by your negligence in maintaining accurate records. 

For your reference, I have included the following : Documentation indicating that XXXX Appliances is no longer operational due to bankruptcy. 
Will be implemented in this complaint I trust that you will handle this dispute promptly and comply with your legal obligations under the FCRA. Please confirm in writing the actions taken to resolve this matter and ensure the incorrect information is removed immediately. 

Thank you for your attention to this matter. I look forward to your prompt response. 

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

This is a formal complaint against Conns located in XXXX, TX. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, Conns has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.