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

Credit karma mislead me numerous times. I'm financially strapped and tried a few times to get a card threw credit karma them insisting I have excellent chances of getting a card. I tried like 4 different times thinking this time I'll get a card
Product: Credit reporting or other personal consumer reports

This morning, I discovered some incorrect accounts listed on my credit report, and I have no idea how they got there. I routinely review my report, but this time I noticed unexpected discrepancies. I even refreshed my browser, thinking it might be a temporary glitch, but the errors remained. Since these inaccuracies persist, I kindly request a thorough review of the documents I have provided to ensure I wont have to deal with this issue again.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I already have disputed this account multiple times for the last 8 months and there has been no any respinse after the account information submitted has met the FCRA requirements. The account informations reporting are all inaccurate and doesnt make sense at all. The last active sates and the opening dates of this account has been varying from one bureaus to another. Under 15 U.S. Code 1681 ( e ) ( B ), this is a violation of my rights as a consumer for non compliance. Please remove these account referenced to the files attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this account a couple of times since this is causing too much damage on my credit report. Account is showing Open when it fact it was paid years ago.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$25000.00} XXXX XXXX XXXX  XXXX Balance : - XXXX XXXX XXXX XXXXXXXX Balance : {$860.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> 2023
Product: Checking or savings account

Received a text containing the following scam message... 

Your M & T debit authorize code is XXXX. M & T will never contact you to ask for your code if this wasn't you secure your information here XXXX XXXX XXXX secure immediately to stop payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the company and credit bureau twice in regards to this account and no response on the results or status. I have yet to receive original documents proving the the account is mines. This is defamation of character on their part and i am disappointed in this company for these inaccurate claims.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on My Credit Report under FCRA 1681 ( c ) ( 2 ) To Whom It May Concern : I am writing to formally dispute inaccurate information that appears on my credit report. This dispute is filed under the protections afforded by the Fair Credit Reporting Act ( FCRA ), specifically Section 1681 ( c ) ( 2 ), which outlines my rights as a consumer to dispute inaccurate or incomplete information directly with the furnisher of the information and ensures that such disputes are properly investigated. 

Additionally, I am invoking my rights under the following laws that further protect consumers from inaccurate credit reporting : 1. FCRA 1681 ( i ) : This section requires credit reporting agencies to conduct a reasonable investigation of any disputed information within 30 days of receiving a consumer 's dispute.

2. FCRA 1681 ( e ) : This section mandates that information reported about a consumer must be accurate and complete.

3. FCRA 1681 ( s ) : This section provides additional protections against identity theft, ensuring fraudulent accounts are removed promptly after proper verification.

4. The Fair Debt Collection Practices Act ( FDCPA ) : This act prohibits debt collectors from reporting false or misleading information to credit reporting agencies. 
Disputed Item Details : * Creditor/Furnisher Name : [ XXXX XXXX  ] * Account Number : [ XXXX ] * Date of Reported Issue : [ XX/XX/year>XXXX  ] The following information is incorrect or incomplete for the following reasons 1- Date of last activity doesnt match 2- high balances are showing different 3- date reported doesnt match I have attached the following documents as evidence to support my dispute : 1. A copy of my credit report highlighting the disputed item ( s ) Pursuant to the FCRA and the above-mentioned laws, I respectfully request the following actions : 1. Investigate the disputed information with the furnisher of the data.

2. Correct or delete the inaccurate information if the investigation confirms its inaccuracy.

3. Provide me with the results of the investigation and a corrected copy of my credit report.

4. If applicable, provide me with the name, address, and telephone number of the furnisher contacted during the investigation. 
Please be advised that the FCRA mandates credit reporting agencies to complete investigations within 30 days of receiving a dispute. I expect a timely resolution to this matter. 

Thank you for your immediate attention to this matter. Please feel free to contact me at [ XXXX ] or [ XXXX ] if you require any additional information. 
Sincerely, [ XXXX XXXX ]
Product: Debt collection

This debt is from a Victoria Secret/ Comenity Bank and was sold to XXXX XXXX I have been able to have this item removed from my XXXX credit report but they refuse to remove from my XXXX XXXX and XXXX XXXX
Product: Mortgage

I planned to build a new home on a lot I already own free and clear. I picked BB & T to provided the construction loan ( interest only loan which converts to a 30 yr. fixed rate mortgage when the house is complete ). In XXXX of this year, I sent my BB & T loan officer the building plans and then on XXXX XXXX I requested a rate lock ( I had just signed my contract with my builder ). I have a copy of the BB & T loan officer 's reply that I was locked in at a 3.375 % rate for 60 days. On her email promising the rate, you can see we were discussing the empty lot where the home was to be build so she know perfectly well it was a construction loan. All the paper work was submitted, there 's no problem with my credit score ( which is XXXX ) or the debt ratio, then yesterday I get a note from my loan officer, QUOTE : When you applied on line you applied for a NON construction loan so the product we have you on is for a non-conforming purchase. We all missed it and that is why we have underwriters. My apologies for not catching and correcting it sooner. Since I feel this is not your fault I have been working with secondary marketing to get you as close to 3.375 % rate as I can. I do have some restrictions so here is what I can offer you. 30 year construction loan program is 3.625 % and I will pay your underwriting fee of {$670.00}. We also have the 10 year arm for construction loans and today that rate is 2.875 % and the 7 year arm is 2.625 %. Rates are higher on Construction Loans because we do not know where they will be when the house is complete. You also have the option of a one-time float down option on the construction products when the house is within 60 days of closing. UNQUOTE This is untrue! After I spoke to my loan officer in XXXX and told her I needed a construction loan she quoted me 3.375 % with my building plans in her hands. Additionally, only after speaking to her did she tell me to go to their online site to apply for the loan. The drop down site on their web did not have a construction to permanent loan selection allowed. I told her, mailed in most of the information via mail ( hard copy ) some paper work I electronically signed on line over 5 weeks ago. Now that the rates have gone up, they tell me that they made a mistake, not me, and despite the promised rate of 3.375 % I 'll have to pay more. This ties my hands because ALL rates have gone up so I 'll pay more with BB & T or any other bank. ( The underwriters had NO other problems with my application and as you can see from my bank officer 's reply the feel I 'm fully qualified to get a loan through them. ) The property was to be built at XXXX XXXX XXXX, XXXX SC XXXX and the loan officer is : XXXX XXXX, XXXX XXXX | Banking Officer | Mortgage Loans | BB & T Home Mortgage|NMLS # XXXX Office : XXXX Cell : XXXX Fax XXXX XXXX XXXX XXXX ; XXXX SC XXXX
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Attn : CFPB Representative, I am a XXXX XXXX XXXX divorced 1XXXX XXXX XXXX XXXX XXXX  XXXX veteran. My only earnings come from the social security XXXX and the department of veterans affairs. About 4 years ago I opened a checking account and set-up direct deposit for both my XXXX benefits ( XXXX & VA ). I was told by XXXX Bank that my federal direct deposits each month could not be garnished. I suffer from serious medical problems and was unable contest the garnishment of my federal XXXX benefits. I read where the CFPB debt collection rule clarifies certain provisions of the FDCPA effected on XXXX XXXX, XXXX. Federal law protects or " exempts '' certain funds or benefits from garnishment. Federally exempt benefits include ; social security and XXXX XXXX. of veterans affairs. These federal benefits remain exempt from garnishment when directly deposited into my checking account. See ; Title ll, Section 208 of the social security act of 1935, it provides the most broadly applicable exemption. It exempts social security from all legal process, including garnishment. Additional codes in my defense ; 38 U.S.C. 5301 ( a ), 15 U.S.C. 1693, 31 CFR part 212.3, 28 U.S.C. 3205 and 42 U.S.C. 407. The amount of the garnishment was {$3400.00}. Presently it is no part of my available checking account balance, but does show as being held. My case is at the XXXX XXXX XXXX XXXX XXXX, XXXX, NJ. File # XXXX ( XXXX XXXX. XXXX ). I phoned the plaintiff ( XXXX XXXX XXXX, PC XXXX during XXXX and once in XX/XX/XXXX, no reply at all. The plaintiff debt collector is, Apothake Scian, XXXX XXXX XXXX XXXX, PC at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The XXXX XXXX  relationship banker I complained to was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I told him he was not allowed to garnish my direct deposit federal benefits and all he said was the court order was the reason he had to honor it. I would like the garnishment to be credited back to my account because it's a federal law. I do hope the XXXX XXXX will be held responsible for the time, grief and pain they caused me for accepting the garnishment as legal. They had the opportunity to advise the court these were federal funds and were exempt. Thank you for your time! Respectfully, XXXX XXXX.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 I cancelled a transaction on Paypal and authorized a refund. On the same day, Paypal received {$580.00} from me. All of this is confirmed in Paypal 's own records. Paypal never sent the refund, and kept the money instead. I have spent more than a year trying to get Paypal to deal with this. I have spent over a year with Paypal stalling, ignoring, insulting and lying to me. They always claim ignorance and claim they can't find anything in the records about it, until I show them Paypal 's own records which confirm everything I have said. Then the wild lies start. They claim a wide variety of conflicting things, including a claim that Paypal actually has " secret '' records which are the true records, and the records provided to the customers are all false. My personal favorite lie was when the Paypal representative said they hadn't sent the refund because the person to receive the refund has " insufficient funds '' in his account ... huh? How much does he have to have in his account to receive money from me?? And the representative still didn't seem to think Paypal would need to return the money to me in that case. The point is : Paypal will take your money, and keep it. And then refuse to return it ... no matter how much proof there is.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of a mortgage refinance with XXXX XXXX. 

To ascertain the interest rates for my refinance, XXXX XXXX receives a FICO credit score from a company in Colorado, Factual Data <www.factualdata.com>, I monitor my credit regularly and assiduously directly with the three credit reporting agencies, Equifax , Experian , and XXXX XXXX . I have received the online " FICO scores '' they produce for consumers like myself. However, the scores that are being reported to my lender, XXXX XXXX, from Factual Data and XXXX are wildly out of sync with the scores I am receiving directly from the credit reporting agencies. This results in a higher cost loan for me. 

When I contacted Factual Data, they claimed that they were simply reporting the FICO scores. I realize that there are different " flavors '' and " models '' for XXXX scores. Factual Data sent me to XXXX for an explanation. But XXXX on XXXX will not talk to me about my credit score unless I pay them a fee. 

Consumers are supposed to be able to receive a credit score annually for free. This does not, apparently, include the XXXX score, which must be paid for. I did pay to receive these scores, but they were apparently not " true '' XXXX scores, and I can't even begin to negotiate with XXXX to obtain the " true '' scores used by my mortgage lender unless I pay them an additional fee. So these scores were effectively worthless. 

Even then, if I were to pay XXXX, I realized that I have no guarantee that they would provide me with an adequate explanation for the discrepancy between the " true '' scores provided to my lender and those provided to me by the credit reporting agencies. So I stopped throwing money at this problem. 

This credit reporting process is clearly not transparent in any way, and it has direct impact on the cost of any mortgage ( or other ) loan. I believe that both FICO and the credit reporting agencies are engaging in deceptive practices that consumers have no way to counteract, and charging money to do so. The credit scores under these circumstances are a XXXX box for consumers. Anything the CFPB can do to help consumers obtain clear and accurate information will be applauded by me, and I suspect by millions of others.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute multiple fraudulent accounts and inquiries on my credit report resulting from identity theft. I am requesting that you block and delete these accounts and inquiries as permitted under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). Below is a list of the fraudulent accounts and inquiries that I am disputing : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX
Product: Debt collection

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 ( F DCPA ), 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, including evidence that a contract exists creating the amount you claim is owed.

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

4. Proof that the original creditor securitized the debt.

s. 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
Product: Debt collection

SYNCB/PAYPAL SMART CON is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the account does not belong to me. This account was fraudulently opened through this company in XXXX of 2011 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft
Product: Student loan

My student loan is in default. National Credit Services has been contracted to rehabilitate my loan. I have been making them payments. They do not give me any information about the progress of my loan rehabilitation. The operators conveniently lose or do not complete payments when I call them in. I believe they intend keep me making payments as long as possible without rehabilitation.
Product: Mortgage

I have a loan with WFHM. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  and WFHM with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX XXXX / XXXX XXXX / XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, 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, XXXX XXXXXXXX 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: Checking or savings account

XXXXXXXX  chase sent me an email informing me that they canceled a restriccin on my account and my funds are now available to use, not true
Product: Credit reporting or other personal consumer reports

XXXX  XXXX This is a cease to exist order. These accounts must be removed immediately being that they are fraudulent and inaccurate. 

These items are totally illegal and needs to be removed from my credit report ASAP. I never authorized any of these accounts or inquiries. Please remove these items off my report. 

These accounts are not only illegal but past the statue of reporting. I have been a victom of identity theft and this needs to be removed. Please remove these illegal unauthorized collections off my report. 
I have hired a lawyer and fraud speciiast to now look at my reorts. I have frozen every report on all 3 credit bureaus. Im really taking a hold of my credit now being that I see the power. These accounts are fraudulent and were unauthorized in my name. PLease remove these asap. 


XXXX XXXX {$370.00} XX/XX/XXXX XXXX {$520.00} XX/XX/XXXX XXXX XXXX XXXX {$1500.00} Date Opened XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX
Product: Checking or savings account

On XX/XX/year>, I received a phone call that appeared to come from Wells Fargos legitimate phone number ( due to caller ID spoofing ). The caller impersonated a Wells Fargo employee and claimed that my account had been compromised. My most recent transactions with Wells Fargo were relayed to me over the phone without me providing any personal or identifying information. I was urgently instructed to transfer funds to a secure account under my name allegedly controlled by Wells Fargo for fraud protection. Acting in good faith and under duress, I followed their instructions, and I transferred my money from XXXX XXXX  into the new Wells Fargo account in my name that was made on XX/XX/XXXX. 
I later discovered this was a scam. I immediately reported the incident to Wells Fargo on XX/XX/year>, despite this, I was informed that my claim for reimbursement was denied because the transaction was authorized. I dispute this conclusion. 
This transaction was not authorized under the meaning of Regulation E, which defines an unauthorized transfer as one initiated by a person other than the consumer without authority and from which the consumer receives no benefit. The funds were transferred under false pretenses as a result of identity deception and technological spoofing this falls squarely under the protections of the EFTA.