23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

When XXXX XXXX sold my mortgage to Penny Mack, my mail was not forwarded to my correct XXXX address. Automatic payment and contact details were not correctly input by Penny Mack. As a result I had no knowledge that Penny Mack was my new mortgage company and my first 4 monthly payments were not taken. As a result my credit rating is severely damaged and my ability to utilize the VA IRRRL program is lost. 


Penny Mack complaint numbers : XXXX & XXXX Please help, XXXX  XXXX XXXX XXXX XXXX
Product: Debt collection

I disputed this account and received corrspondence which was a violation of HIPPA Act.
Product: Vehicle loan or lease

American Acceptance is noting late payments from XX/XX/XXXX to XX/XX/XXXX. My payment of XXXX plus the fee was paid every month during that time. This is causing a big impact to my credit due to 12 payments reflecting as missed.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to file a complaint against XXXX XXXX regarding their inability to provide me with proper documentation to verify my account information. I have made multiple attempts to contact XXXX XXXX, but they have failed to resolve the issue. I believe the root of the problem lies in the fact that the contact information they have on file for me, including my email address, phone number, and address, is incorrect. 

I have attempted to get in touch with XXXX XXXX to clarify and correct my contact details, but despite these efforts, they have been unable to offer any solutions or provide the requested documentation. As a result, I am unable to verify the accuracy of my account and can not move forward with any necessary actions related to my account. 

The inaccurate information on file is preventing me from resolving my account issues and ensuring that my records are correct. I am requesting your assistance in addressing this matter, as XXXX XXXX  failure to provide accurate documentation is severely hindering my ability to manage my account. 

Please advise on the next steps and let me know if any further information is needed from my side to help facilitate the resolution of this complaint. I am hoping that your office can assist in holding XXXX XXXX accountable for this issue and help me obtain the necessary documentation to verify my account. 

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate deletion of an unauthorized inquiry on my credit report. As a victim of a data breach, I did not authorize this inquiry, and I am exercising my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to request its removal. 
Unauthorized Inquiry to Be Deleted XXXXXXXX XXXX XXXX XXXX Inquiry Date : XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Credit Reporting service debited my monthly membership ( {$21.00} ) 14 times in one day on XX/XX/2018for {$300.00}.

I called to complain ( where i was in hold For almost 1.5 hours ) and was subsequently promised refund in 2-5 business days. Following week no refund. Then i was finally refunded but for only 12 of those debits. I XXXX my issue on social media ( XXXX ) where i receieved a generic response. Direct messages on twitter followed where i was directed to email their billing address. Then a week later another debit from my account. So that is 15 times in one month.

I have emailed twice now requesting a refund and to cancel membership but no reply. Today there have been a further two debits from my debit card from experian!

I have tried calling today and there was an esimated. 3-5 minuts wait time. I have been waiting on hold form1 hour 21 mins so far!

They have now debited almost {$400.00} from my bank in 1 month. I can not cancel, can not reach anyone to help and i want my money back!!! This is surely a crime?
Product: Checking or savings account

I believe I was incorrectly charged fees of different kinds by Wells Fargo when I had an account with them between XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian reported a XXXX XXXX acceptance account that is a closed account with inaccurate payment history, A XXXX  XXXX auto account that is closed with a payment history that is still inaccurate after being disputed, a XXXX XXXX account that is closed with inaccurate payment history that has been disputed and a XXXX XXXX account that is in collections. Experian did not have my written consent to do so and violated federal law pursuant 15 U.S.C 1681B ( 2 ) this law states A consumer reporting agency only can report with the written instruction of the consumer to whom it relates. This is what the CFPB identifies as identity theft as when someone uses your name, social security number, date of birth, or other identifying information without authority, and because I did not give Experian Authority to report anything on my report they are in violation. Experian also told me they verified that these account were accurate but according to federal law 15 U.S.C 1681a. ( e ) in order investigate a consumer report you have to interview with neighbors, friends, and associates of the consumer. So, whom did they interview? and still such information should not include specific factual information on my consumer report.
Product: Money transfer, virtual currency, or money service

I received a rebate from a XXXX XXXX for less than {$20.00}. Paypal then requested a host of additional information to confirm my identity which I provided including but not limited to Drivers License, Bank Statement, SS #. Paypal then closed my account without explanation after being a customer over 5 years with no issues.
Product: Debt collection

XXXX XXXX XXXX PURCHASED ACCOUNT : from Iriginal Creditor AMOUNT : {$1000.00} DISPUTED SEVERAL TIMES in recent months using reputable credit repair method, and online major credit company platforms, and in rotation to date for repeat dispute which no verification or validation of method. Company instead sends debt validation method with requests of me sending validation criteria. 
Also reports false information, multiple Non Compliant discrepancies including above mentioned balance. To imply {$1000.00} would mean secured past {$1000.00} credit lines or amount is reporting in excess of true details.
Product: Vehicle loan or lease

I already complained ( XXXX ) for my new vehicle loan from statefarm bank. But they are not correct my credit history yet. And ask me returned check copies to review But I paid I electronic bill pay at XXXX XXXX XXXX ( confirmation no. XXXX ) I attached it before, but I guess they haven't seen it ( below is last time complaints ) I bought a car and financed it XX/XX/XXXX. - statefarm bank ( account no XXXX XXXX ) While paying the loan every month, I got a call from the bank saying that it was not paying for XXXX. ( XX/XX/XXXX ) The next day I made a deposit and reviewed my bank account. ( XXXX ) I found that the XXXX payment was returned in XXXX. ( XXXX ) I don't know why it was returned However, they first informed the credit agency that the payment was late and notified me in XXXX ( AFTER 5 months!!! ) of the following year instead of XXXX, causing a huge damage to the credit. They called me and said they left me a voicemail, but my voicemail is not set up. It is also the first time on the phone on XX/XX/XXXX. they just keep lying This XXXX three months ' payment has been processed at once, but it doesn't seem normal and I'm worried that this will happen again. The customer service is terrible. I'm going to change the bank soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 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 or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX Account XXXX : XXXX
Product: Credit reporting or other personal consumer reports

EQUIFAX BLOCKED MY CREDIT REPORT AND REQUESTED PERSONAL INFORMATION THAT I PROVIDED TO RESOLE ISSUE. 
IT GIVE ME EQUIFAX ERROR CODE BLNK THAT NEEDS TO BE FIXED.
Product: Credit reporting or other personal consumer reports

To whom it may concern : This letter is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Under federal law ( 15 U.S. Code 1681i ), you had thirty ( 30 ) days to complete your investigation from the date you received my dispute. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. Here is a list of items that were sent in my initial dispute letter that now must be deleted from your database.
Product: Money transfer, virtual currency, or money service

I currently bank with experian smart money digital checking and my account was taken over fraudulently. Several unauthorized transactions have occurred. I reported it to the police and my financial institution. However, differential credit has not yet been released and is stated to take a month to be released. That is all of my monthly compensation from the Department of veteran affairs.
Product: Mortgage

My wife and I opened a fixed rate Home Equity Loan about 5 years ago. When we opened the account, the two most important terms were clearly confirmed for us, which were ( 1 ) there would be no pre-payment penalty, and ( 2 ) all overpayment provisions would go towards the principal. We have made several overpayments on this loan since it was opened in varying amounts. In XXXX 2016, we made large overpayments. We then received a letter saying, " We want to make sure your money is going where you want it ... '' Later saying, " Right now we are applying your extra dollars to the next scheduled payment. According to our records, you have made loan payments in excess of the required payment amount. Each time you include additional funds in your loan payment, it is our policy to apply the over the payment amount due to the next scheduled payment. This often results in the status of your loan to be considered 'paid ahead '. Please know that we have reversed the payment dated XXXX/XXXX/16 in the amount of {$1000.00} and reapplied it to principal, making the next due XXXX/XXXX/16. If this is not what you intended, please contact us '' I called them and told them the following : First of all, we ALWAYS intended for the additional funds to be applied to the principal and this was clear when we opened the loan. Second, why are we getting a letter telling us what your policy is and then you are changing the policy without any request from us? 
I made this call three times over about a 2 month period. In each of the calls, I spent approximately a half hour on hold and the customer service person could not answer my questions. Each time, I requested that they figure it out and have someone call me back to explain. They have never called me back. 
I have reviewed some of my recent statements and they make absolutely no sense in how they have applied payments to interest and principal.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX XXXX  Account Number # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX has violated my rights. 

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

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

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Urgent Complaint Regarding Fraudulent Items on Credit Report I am writing to address fraudulent and unauthorized items on my consumer credit report, which I have previously disputed to no avail. I sent EXPERIAN. a notice via USPS Certified Mail with tracking number XXXX XXXX XXXX XXXX XXXX on XX/XX/2024. The notice included my FTC and police reports, as well as a theft affidavit. 

The disputed accounts are : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Despite multiple attempts to resolve these inaccuracies, they persist, negatively impacting my credit profile. I have escalated this matter to the Consumer Financial Protection Bureau ( CFPB ) for resolution. If not rectified promptly, I will pursue legal action for damages under the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, EXPERIAN is obligated to conduct a thorough investigation and remove any inaccurate or fraudulent information. I demand immediate action and a written explanation of the investigation findings within four business days, as required by Florida State Laws AND FCRA laws. 

Failure to address these concerns satisfactorily will leave me no choice but to seek legal recourse to protect my rights and interests. 

Thank you for your prompt attention to this matter.
Product: Money transfer, virtual currency, or money service

I put my covid19 government help into a paypal account and when I tried taking it out they banned me from pay pal and said they would keep my XXXX dollars for 180 days.i need this money and I've done nothing wrong to warrant this treatment.i assure you if I not want to ever use paypal service ever and wouldn't recomend them to my worst enemy.i would like to know why hasn't anyone from paypal go to jail cause from what I've read they do this to a lot of people and collect interest on their money. im losing my home my car cause of these people and no one will help me. you can't call them and you can't email them, what kind of business is that.o need your help, I'm on my last leg and if I'm not helped soon I fear it will be the end of my life.my wife and kids are leaving me cause I can't pay my mortgage so I have nothing else to live for ... .paypal single me out, why I know this cause they also lock out XXXX XXXX and my son XXXX XXXX.which my son had XXXX dollars in his and he transferred XXXX   to XXXX and that day they'll ked her out.anyone associated with me they lock out and kept their money ... ... PLEASE HELP SOON!!!!!!!
Product: Checking or savings account

I received a {$850.00} tenant deposit refund. I mobile deposited it into my checking account with Chase on XX/XX/2022. I was given an availability date, as that date rolled around my entire account was not working. My funds were frozen and about a month later or so, the account was closed. The funds still will not be released to me. According to the bank, they will not release the funds until the maker of the check will verify the check by a phone number with the company. Every phone number I have given the bank does not work for verification. The manager of the company went into our local branch and nothing she said/did or any of the numbers she had for the company would verify it through the system chase is using. I have been given multiple different answers on other ways to verify it but then the next person will say no so it wont work. I have called various times, the manager has done everything possible she can, chase still tells me they will not release the funds to me. This is a bill pay check, that now has changed company/management. The money is already out of the companies bank account and the check id cashed so Im not able to take it elsewhere, either.
Product: Credit reporting or other personal consumer reports

I submitted a dispute in XXXX 2024 which Equifax says was resolved. During the same month I signed up through XXXX for their credit monitoring services which provided access to both XXXX and Equifax report. 

Ever since XX/XX/XXXX none of my creditors ( XXXX XXXX, XXXX XXXX, XXXX, etc. ) have been able to pull my credit. I can not get a car loan, credit line increase or new credit because my Equifax file can not be accessed. 

I was given XXXX different case numbers with Equifax ( Consumer Affairs ) each promising they would fix the problem. Only to be told later that there are no freezes on my report and they can not help me. So my credit can not be pulled and they will not find the issue. 

Either XXXX credit monitoring put a code in that is blocking my report or someone at Equifax did the same when entering my dispute. 

I am beyond frustrated and need assistance as it is causing great stress for me.
Product: Money transfer, virtual currency, or money service

Im writing to express my concerns regarding Zelles handling of disputes, particularly in light of the CFPBs lawsuit highlighting significant platform issues and risks to consumers. As someone who has personally suffered financial loss due to an erroneous Zelle transfer, I am deeply troubled by the platforms inadequate safeguards and the lack of clear support for resolving disputes. Despite my efforts to seek reimbursement, I found the process frustrating and opaque, leaving me without recourse for funds I rightfully deserved. Its alarming to think that others might face the same situation, with banks often refusing to reimburse even in clear cases of error. This experience has left me questioning Zelles commitment to protecting its users and ensuring accountability when issues arise.
Product: Debt collection

Received a letter attempting to collect what appears to be medical debt. Letter received shows two separate charges. One charge is from XX/XX/2021 for {$41.00} and the 2nd charge listed is from XX/XX/2021 in the amount of {$2.00}, XXXX. This is the first communication I have received and it is from a law firm. The letter does not provide any information as to how I can dispute this debt or what the charges are for, it only provides a number if I want to call and discuss payment, or if I should choose provides a special offer to settle the balance on charges I was unaware of.
Product: Debt collection

FIRST COLLECTION SERVICES is in violation 15 usc 1692c due to sending a debt collection statement to my home without my consent. Pursuant to 15 usc 1692a ( 6 ) FIRST COLLECTION SERVICES are debt collectors. 
This company is also in violation of 15 usc 1681 ( 4 ) They did not exercise their grave responsibility with fairness, impartiality, and a respect for myself the consumer or my rights to privacy. 
They are also in violation of 15 usc 1692e ( 16 ) 15 usc 1692e ( 2 ) 15 usc 1692b ( 5 ) 15 usc 1692b ( 2 ) etc
Product: Credit card

On XXXX I filed a report with the XXXX XXXX XXXX XXXX, in XXXX XXXX, Florida Case # XXXX. To report that I was the victim of an internet fraud XXXX resulting of a loss of approximately {$8000.00} U.S Currency. I applied for a listing on XXXX for a job as a secret shopper and submitted an online application. The alleged business to which I applied was listed as XXXX  XXXX XXXX ( XXXX ) and subsequent email correspondences were directed to XXXX ( XXXX ). I supplied RBG my Discover account ( information and on XX/XX/22 I received a {$3100.00} deposit. I was the instructed to purchase gift cards for specific amounts at various stores and in return I would be paid {$300.00} for each store visited. On XX/XX/22 I purchased XXXX gift cards, each for {$500.00} ( total {$1500.00} ) at the XXXX store located at XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, FL. I also purchased XXXX gift cards, each for {$500.00} ( total {$1000.00} ) at XXXX located at XXXX XXXX XXXX XXXX XXXX, XXXX, FL. I provided XXXX the gift card information via text message. On XX/XX/22 an additional {$2600.00} was deposited into my Discover account to facilitate the purchase of more gift cards. On XX/XX/22 she purchased XXXX gift cards, each for {$250.00} ( total {$500.00} ) at XXXX XXXX located at XXXX XXXX XXXX, XXXX, FL. XXXX 's final gift card purchase was for XXXX cards each for {$500.00} ( total of {$2000.00} ). On XX/XX/22 I received notification from Discover that the original {$3100.00} deposit was returned unpaid. Discover made the same notification regarding the subsequent {$2600.00} deposit returning unpaid on XX/XX/22. After I notified Discover Card, the suspects removed an additional {$3200.00} since this happened I notified Discover and asked Discover will credit that amount to my account so she did not add that {$3200.00} to her original {$5700.00} reported loss. 
I was the victim of an online fraud scam which I believed to be a legitimate business per all the documents that were completed as a real job application. Discover will not accept my Police Report for the losses that are incurred and are holding me responsible for paying the amount of approximately {$8000.00} that I was swindled out of in this scheme to defraud case. Discover refuses to help and threatened to ruin my credit if I did not start to pay this debt from this criminal case in which I was the victim and am still continuing to be victimized by Discover in having to pay this total amount that I was swindled out of and defrauded of.