23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XX/XX/year> : Mailed signed letters recived on XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing concerning my request that the above listed accounts placed on my credit report be removed. Under the Fair Debt Collections Practices Act ( FDCPA ), this is not a request for validation. XXXX, XXXX  and TransUnion have willfully refused to acknowledge my request, using a stall tactic requesting MORE IDENTIFICATION INFORMATION. Yet they received all the necessary documents in my initial ID Theft Report. They also are disregarding FCRA time constraints on debt validation. 
THEY are all reporting XXXX XXXX XXXX XXXX # XXXX This is a loan that is not mine and never has been.
Product: Mortgage

I refinanced my home loan at the beginning of XX/XX/2020. The closing documents clearly stated that the XXXX property tax would be payed by the title company at closing. Mr. Cooper the loan servicer received those documents in XXXX. 
The loan had an escrow account that payed both property taxes and insurance. The loan servicer never returned the XXXX tax payment. They did return overages and interest. When I contacted them in XXXX about the missing money they said the money was payed to XXXX XXXX XXXX and that I should contact them. I contacted XXXX XXXX XXXX and they said they never received or did not accept a double payment. 
I have contacted the loan servicer more than a dozen times to attempt to get my money back. Only getting a follow up or return contact stating that I had made a call to them on one occasion. 
In the mean time the loan servicer changed the company that they use to pay taxes. 
I want the tax payment that was in my escrow account returned to me. I think that I should get interest as well
Product: Credit reporting or other personal consumer reports

I purchased a vehicle, told the seller I needed the payment to reach my credit union by a certain date or it would go over 30 days and hit my credit report. They told me my credit union would get the payment on time. The payment didn't get there on time. I haven't been over 30 days late since XXXX. I always pay on time. Experian wouldn't take it off my report and since it wasn't my fault and the car dealer sent a letter in my behalf I can't understand why they won't change it. I'm trying to buy a home later this year and this set me back a lot. Please help me with this. I still have the supporting document if needed. 
Thanks,
Product: Checking or savings account

Hello. I currently bank pnc bank. I have issues constantly when I try to link my account to a third party such as cash app or XXXX who both use plaid. Every time I think I have it corrected pnc does something to interrupt the connection. I understand that the security aspect. But this is my bank account and I would like to use it how I want to use it. Its extremely frustrating.
Product: Money transfer, virtual currency, or money service

I sold a laptop for {$1000.00} on XXXX back in XXXX, whom partners with PayPal. XXXX advertises quick payment once a buyer transfers money. 
PayPal has frozen my account funds, without giving any specific reason why. They said they will hold my money until XX/XX/XXXX - minus any penalties. 
PayPal paid millions in a settlement back in XXXX for this illegal practice and now they are doing it again. 
I asked the Illinois Attorney General for help but have not heard back in over a month. My congressman referred me to your agency. Please help me get my money.
Product: Credit card

Synchrony Bank/PayPal : During XXXX XXXX I filed a dispute with synchrony Bank on purchases that i made not on my account. I never heard from them again. I continued to make on time payments and on XX/XX/XXXX my current balance was {$100.00} which I paid and did not want the account any longer. Now i received an account summary stating that i owe {$350.00} after I paid the account on XX/XX/XXXX and made no other purchases. ( see document 4 ( I then seen other purchases on my account that I did not make. I called them and they stated that I made two additional purchases during the end of XX/XX/XXXX. I was then transferred to the dispute dept in which no one ever answered the phone for over an hour on 3 separate occasions. I was sent an email dated XXXX XXXX XXXX stating that they have noticed unusual activity on my account and need to speak with me.case ID XXXX ( see document 3 ) I called and spoke to a young lady and she refused to take the ID number and again I was left on the phone for a very long time in which no one ever answered. PayPal website site has a lot of scammers scamming their clients and making purchase on clients behalf. I can't even get an invoice they stated that I could not get an invoice due scammers. ( see document 1 )
Product: Credit reporting or other personal consumer reports

New American Funding is continuing to share my information even after notifying them that I opt out of doing so. New American Funding and XXXX both share a mutual financial relationship due to XXXX making a profit off of the sell of my nonpublic financial information being supplied to them by New American Funding. Since this is my financial information they are sharing both were obligated by federal law to provide me with opt out notices in a timely manner to ensure I had the right to say no to my information not being shared. This breach of duty has caused me significant harm seeing that my information could have been potentially obtained by breaches. Furthermore I am entitled to some of the proceeds from the sell of my information as it is my nonpublic information and m name which is my intellectual property that you both are misusing and could face damages for.
Product: Debt collection

I have tried to gather information about this debt but the collector doesn't provide paperwork or signatures of the situation they claim against me. 

The name of the Company is : Progressive Management last reported XX/XX/year> The amount {$6200.00} I have done XXXX reports to fix this with XXXX XXXX in different months, nothing has happened. The balance seems to increase and on my credit report this shows as collection. 

I need this to be immediately removed from my Credit Report as this doesn't belong to me.
Product: Debt collection

I obtained XXXX XXXX services in XXXX XXXX against the advice of nearly everyone I knew. In XXXX XXXX, my fianc and I bought a house together, so I cancelled my contract with XXXX XXXX. Given I had a two year contract, I knew I 'd have to pay a penalty for canceling early. Given I was contractually bound to XXXX for two years, I paid the cancellation fee. XXXX XXXX sent me prepaid boxes in which to send back the equipment they had rented me. I followed the instructions exactly and left the equipment on my porch to be picked up as was instructed. It was picked up. Sometime after that, I started receiving collections calls related to not paying for the equipment. I followed up with XXXX and they refused to speak to me since the account had already been turned over to collections. Say what? After arguing with XXXX and the collection agency for several months, my wife finally paid it so that it would n't go against our credit. We went to apply for a mortgage for a new house today and guess what! My credit is XXXX - and that XXXX fee that for equipment that I RETURNED and eventually PAID FOR just to get them to leave me alone is lowering my credit by nearly XXXX points!! Given we are applying for a jumbo loan, this is catastrophic because now we no longer qualify!. I explained to my mortgage officer what happened and she mentioned to me that this is common with XXXX and XXXX - that after you return the equipment they continue to hound you for fees you do not owe. She suggested that I file a complaint through consumer finance.
Product: Debt collection

Dear XXXX XXXX - Managing Director - Radius Global Solutions LLC ; XXXX XXXX ; I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 

THIS WAS FRAUDULENT REPORTING ON XXXX XXXX XXXX XXXX AND IT WAS DELETED NOW ON THIS COMPANY? THIS IS FRAUDULENT!
Product: Mortgage

XXXX XXXX XXXX was my mortgage company payment of {$2300.00} was made in XXXX XXXX. Then XXXX realized my loan was transferred to XXXX XXXX and sent payment of {$2300.00} to my new mortgage and XXXX then did not see I had a loan with them ( did not look under my social security number ) then forwarded check to Shellpoint which is my second mortgage. Payment received applied to my principal and monthly loan. I called Shellpoint to have payment sent back to XXXX XXXX and now 4 months later Still no payment sent and now Shellpoint not wanting to give me any answers where payment is and they reversed Money from my principal and money is where?? Shellpoint is not being cooperative. I need answers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit reports, and I noticed a late payment posted by XXXX XXXX XXXX XXXX for XXXX, XXXX, & XXXX last updated on the XXXX of XX/XX/2023. 

This company reports a 30 day late without my consent. 
XXXX XXXX Acct # - XXXX Your company is in clear violation of the law, Under 15 U.S. Code 1681b Permissible purpose of consumer reports.

THE LAW CLEARLY STATES!

( a ) In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I ever give you written instructions to furnish this account on my report?

Furthermore, the Fair Credit Reporting Act 15 U.S. Code 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) Exclusions Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; I never gave written consent to provide information to any third parties about the reporting of transactions and experiences.

Delete the above late payment from my consumer report. This agency is in violation of 15 U.S. Code 1681.

Failure to respond satisfactorily with the deletion of the above referenced account, and a free copy of my updated credit report after changes have been made, will result in legal actions being taken against said company. For which I will also be seeking {$1000.00} per violation for : 1. Defamation of character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 U.S. Code 1692g violations 4. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance 616. Civil Liability for willful noncompliance [ 15 U.S. Code 1681n ]
Product: Checking or savings account

submitting this formal complaint against Chime Financial , Inc. for its failure to properly investigate unauthorized transactions on my account, refusal to comply with Regulation E of the Electronic Fund Transfer Act, and deliberate withholding of critical documents related to its so-called investigation. 

On [ XX/XX/2024 ], my Chime XXXX  Debit Card was stolen and used fraudulently to withdraw {$3700.00} from an ATM located at XXXX XXXX XXXX, XXXX, XXXX XXXX. I immediately reported this unauthorized transaction to Chime and provided substantial evidence proving that my card was compromised, including : A police report from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ATM owner, XXXX XXXX XXXX XXXX XXXX, verifying that my card was fraudulently used at his ATM Notification that Chime never contacted the ATM owner to obtain surveillance footage or investigate the fraudulent withdrawal Despite this overwhelming evidence, Chime refused to refund my stolen funds, claiming to have conducted an investigation. However, when I formally requested the documents Chime used in their investigation, they only provided the information I originally submitted to them, failing to produce any actual evidence supporting their denial of my claim. This strongly suggests that Chime never conducted a legitimate investigation and instead simply dismissed my dispute without due diligence. 

Furthermore, Chime is violating XXXX  Zero Liability Policy, which explicitly states that customers are not responsible for unauthorized transactions if their card is lost, stolen, or fraudulently used. My case clearly qualifies for protection under this policy, yet Chime has refused to honor it. 

Chimes actions are not only deceptive but also in direct violation of Regulation E ( 15 U.S.C. 1693 et seq. ), which mandates that financial institutions : 1. Conduct a reasonable investigation into unauthorized transactions 2. Provide documentation used in the investigation upon request 3. Resolve disputes in a timely manner and reimburse customers when fraud is confirmed Chimes refusal to return my funds, failure to conduct a proper investigation, and withholding of critical documents constitute clear violations of federal consumer protection laws. I request the CFPBs immediate intervention to : 1. Compel Chime to provide a full refund of {$3700.00} in accordance with Regulation E and Visas Zero Liability Policy 2. Require Chime to disclose the full investigative file, including any internal communications and documents used to determine their decision 3. Investigate Chime Financial , Inc. for systemic violations of consumer protection laws and deceptive banking practices I appreciate your prompt attention to this matter and look forward to your response regarding the steps being taken to hold Chime accountable. Please feel free to contact me at [ Your Phone Number ] or XXXX for any additional information. 

Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Debt collection

I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported : XXXX XXXX/ {$0.00} / XX/XX/2017
Product: Credit reporting or other personal consumer reports

I attempted to file a dispute online but was blocked by the system. 
I am attaching proof of four inaccurate accounts from pages 3 and 4 of the XX/XX/XXXX Experian report XXXX belonging to XXXX XXXX XXXX XXXX XXXX XXXX XXXX is not me. I am submitting a copy of the first page of my XXXX  utility bill due XX/XX/XXXX showing that my name is XXXX XXXX and NOT XXXX XXXX XXXX. 
This particular complaint is for XXXX XXXX XXXX listed under page 3 of the attached Experian report XXXX dated XX/XX/XXXX for XXXX XXXX XXXX XXXX The payment history shows okay for XX/XX/XXXX yet the last payment was supposedly made in XX/XX/XXXX which makes no sense. On an XXXX report from XXXXXXXX dated XX/XX/XXXX under revolving accounts XXXXXXXX XXXX XXXX XXXXXXXX shows NO late payments ( See attached page from XXXX ). 

This account was never properly verified and I need to know the names and phone numbers of the persons from both the credit bureau and the bank/ financial institution . I never received a true/certified copy of the original application for credit showing the wet ink signatures authorizing and binding myself and the financial institution ( s ). I have no records of signing with my wet signature to authorize the account. 
I never received the true invoices signed under penalty of perjury confirming that the Bank/ financial institution provided their own assets and that the alleged debts are valid. According to 12 USC 83 banks are prohibited from loaning their own assets i.e. shares of stock.

Finally, I never received the accounting statements from the financial institution related to the account i.e. 1099 0ID, 1096, INC, PRC and 1099.

On top of that various laws have been violated. For example, as per 15 USC 1681 Section 604 A Section 2 a consumer reporting agency can not furnish an account without my written consent. I never provided my written consent/ instructions. According to 15 USC 1681 c. ( a ) ( 5 ) no consumer reporting agency may make any consumer report containing any of the following pieces of information any other adverse items of information other than records of convictions of crime which antedates the report by more than seven years.

According to 15 USC 1681 s-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. 
As a result, this invalid/ inaccurate XXXX account must be deleted INSTANTLY from all of the credit bureaus. Thank you for your cooperation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was applying for a HELOC on XX/XX/2022 with a financial institution, when I was denied. When I requested my credit report I found over 4 unauthorized Inquiries on my credit report. ( 2 ) from Equifax dated XX/XX/2022 and XX/XX/2022, XXXX XX/XX/2022 and XXXX XX/XX/2022. I contacted all of the creditors also the 3 major credit bureaus, XXXX, Equifax and XXXX that where reporting the inquiries. I was told by the credit bureaus to write a letter disputing the inquiries and a complaint from the CFPB, FTC or Police report. Along with providing a copy of the CFPB, copy of my license and a proof of address. As of today XX/XX/2022, I have not gotten any updates or satisfaction. So on XX/XX/2022 and XX/XX/2022, I repeated the process again. All 3 bureaus told me to get a statement form either the CFPB, FTC or Police. I also asked for a copy of the reinvestigation and still to this day, I have not gotten a copy mailed to my house yet. But the bureaus keep posting that it was either updated or verified.
Product: Checking or savings account

A scammer got the hold of a check one of the accounts belonging to XXXX XXXX XXXX XXXX. That person went and cashed the check at XXXX XXXX XXXX XXXX On XX/XX/XXXX ( date cashed ) XXXX. Family was going through health crisis due to COVID and did not receive bank statement for that month. Sometime later, during the medical billing process, XXXX XXXXXXXX XXXX  son XXXX discovered that there was fraud committed on XXXX XXXX 's account. Next day, we fi led police complaint and also complaint at the bank. This was in XX/XX/XXXX, so the M & T bank stated that because it has been XXXX they are unable to refund the money back to our account. The branch manager recommended to keep pushing it to the cooperate ladder to see if they can reconsider due to health crisis going when the fraud occurred. The bank stated that they still can not refund the money and see if the police can help. The police did the investigation and they stated that XXXX XXXX is the place the where the check was cashed by the scammer. However, XXXX XXXX did not check their ID nor have any security footage of the person. In the email on XX/XX/XXXX detective XXXX XXXX stated that XXXX XXXX was not found in public record, but over the phone call they informed me that they had located the person whose name is on the check, but they can not arrest her as there is no proof from XXXX XXXX bank. On the phone call detective XXXX XXXX on XX/XX/XXXX stated that XXXX XXXX is a college student living in XXXX, but they can not arrest her as XXXX XXXX did not ID the person nor have cctv footage. We have tried different ways to get XXXX XXXX XXXX XXXX the amount ( {$3900.00} ) back, but no success. Please help.
Product: Credit reporting or other personal consumer reports

Account Number : XXXX. The late payment in question is reported by XXXX XXXX XXXX For the period of XX/XX/year>, XX/XX/year>, XX/XX/year>. I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by EXPERIAN. I believe these late payments are erroneous and do not accurately reflect my payment history.

Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.
Product: Credit card or prepaid card

I always make at least the minimum payment to Elan Financial Services on or before the due date through their online system. In this case, the due date was  XXXX / XXXX /2017. They charged a late fee of {$27.00} because the payment was not made by a certain time (   XXXX   central time ) on the due date ; however, their online payment system does not specify this time in my online account page until after the payment is being submitted.
Product: Credit reporting or other personal consumer reports

My account reported by XXXX XXXX XXXX XXXX XXXX to Equifax, was not reported by Equifax XXXX XXXX XXXX, since XXXX XXXX confirmation XXXX XXXX XXXX my dispute of XXXX XX/XX/2023 was never answered and my credit report by equifax of XXXX XXXX is the same report no updates, the same balance, by not updating and no change to credit report, takes away my credit scores, by XXXX points so far.L want my account updated and my credit points added back to my account. Equifax stated to me the company XXXX XXXX reported the account to Equifax, confirmation XXXX XXXX XXXX XXXX XXXX