23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I have a company by the name of XXXX which is a fraudulent account. This account does not belong to me and they have this same XXXX account listed on my Equifax credit report XXXX times which that is against FCRA. I am asking for it to be removed. I asked for it to be removed and Equifax did not saying it belong to me. It does not and if they would have viewed again, XXXX are duplicate accounts on my report. When viewing my Equifax credit report, this account has been listed since on my credit report since XXXX. I have never made any payment on this fraudulent account. Therefore this account has been on my report almost 9 years without payment. I am asking for Equifax to remove these accounts immediately. Again they are listing the same fraudulent account XXXX times on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

i HAVE 5 DIFFERENT STATE TAX LIENS ON MY CREDIT REPORT I CONTACTED MY COUNTY TAX OFFICE ; CLERK OF COURT AND IMMEDIATELY GOT A SATISFACTION OF THE 5 TAX LIENS UNDER MY NAME. I CONTACTED THE XXXX XXXX XXXX XXXX  WHO SAID IT WAS NOT TO BE ON MY CREDIT AND SENT ME LIEN SATISFACTION AND LETTERS TO THE THREE CREDIT AGENCIES. THIS HAS BEEN SIX MONTHS AGO AND ITS STILL THERE. ALSO I HAVE A XXXX BILL FOR OVER XXXX ON MY CREDIT THAT IS NOT MINE. HELP ME.MY CREDIT IS HORRIBLE
Product: Money transfer, virtual currency, or money service

I sent a wire transfer from my bank to Binance U.S. on XX/XX/2021 for the amount of {$600.00}. It was never processed, then it 'expired ' and no money was put into my Binance account, AND the money was never returned to my bank. 

IT IS LOST Here is the information I have ... 


Entered Date XX/XX/2021 XXXX XXXX XXXX XXXX Effective Date XX/XX/2021 Receiving Financial Institution XXXX XXXX XXXX Beneficiary Information XXXX XXXX XXXX, XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX United States Beneficiary Reference XXXX
Product: Debt collection

.I am a Medicare covered patient. Trying to balance bill I am not responsible for.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Request Investigation of Credit Inquiry on My Behalf Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that your agency showed credit inquiries that I find to be problematic. The first inquiry in question was apparently made by Aspen Finance on XX/XX/2020 and I have no recollection of doing any business with Aspen Finance. I contacted Aspen Finace, and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done.convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness. Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. Thanks for your prompt attention to this matter
Product: Mortgage

My bank sent my mortgage to a lawyer for foreclosure as I was talking to the bank 3 times a week, making partial payments and being told the loan will not be foreclosed on. The bank told me, every conversation was documented and recorded, this will be easy to prove. When I asked why I was not told it was going into foreclosure the bank said " How where we supposed to know? '' and I asked then how was I supposed to know! The foreclosure lawyer charge me {$2700.00} in fees. I have paid this loan in full including the extra fees, but would like to at least be reimbursed for the extra fees. I was lucky my balance was small enough to pay off. There are going to be a lot of people who's balance will be to much to pay of and this bank is going to steal their homes!
Product: Consumer Loan

I refinanced my vehicle loan through my bank ( University XXXX Michigan XXXX ) after my loan went into collections with my initially loan company ( Santander Consumer ). I have since paid off the loan in its entirety but the company ( Santander Consumer ) continues to post a negative status to my credit report monthly causing my credit score to be affected negatively. I 'm currently in the process of purchasing a home and this is causing issues with my home loan. I have the documentation of the payoff amount and date is was paid but they still refuse to stop reporting to my credit report after multiple requests from myself and my mortgage company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint today to follow up the previous CFPB Complaint I submitted last XX/XX/2022 because I bleive that the Credit Bureaus haven't still corrected my Credit File. The Credit Bureaus have failed to provide me copies of documents to serve as pproof of verification to suppport their claims that the disputed accounts are verified and reporting only accurate information on my Credit Report. When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX Balance XXXX {$12000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$920.00} XXXX XXXX Balance : {$1000.00XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$4400.00} XXXX XXXX XXXXXXXX XXXX Balance : {$5700.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$2700.00} XXXX XXXXXXXX Balance : {$1600.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$540.00XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3000.00}
Product: Mortgage

For many years I have been trying to modify my original loan ( XXXX ), with a myriad of servicers. I am currently with Shellpoint Mortgage Services. My goal has always been to avoid foreclosure AND to pay the original loan amount. However, the loan has been in default for so long and was originally a no-doc interest only loan. Now the loan, which was originally $ XXXX is now at $ XXXX. Through the help of an attorney, I was finally able to get approved for a trial modification. Except, the amount of the payment is unaffordable and unreasonable. It is nearly {$7500.00} per month. The rep at Shellpoint gave me more details - that the maturity date is per the original, XXXX. And it is adjustable - raising interest points each year. Also that it is based on the original loan amount and the past due payments ( which would have only been interest anyway based on the loan type ). I spoke to the Illinois Attorney General Homeowner Help Line and they feel this is not a modification due to the 13 year maturity date. It should be modified to a 30 year loan. This might explain the high payment, but they sent me no back up figures - only a verbal conversation with the XXXX She basically said " you can afford it ''. Although I had a good sales year last year ( XXXX ) my average income is $ XXXX. They are basing this on XXXX year of income and a 13 year term. She also told me I could just refinance the loan with another lender - but the house is only worth XXXX - who would give me a XXXX mortgage for a XXXX house????
Product: Credit card or prepaid card

On XX/XX/XXXX I was charged {$510.00} for something called XXXX XXXX. This is not a service I am familiar with, nor my wife. As this was a foreign charge I immediately refuted the charge with Citibank ( my credit card provider ) was was issued a new card. On XX/XX/XXXX I received a letter from Citi Bank, who reports that they ran their own " investigation '' and found that the charge was legitimate and I was responsible for the {$510.00}. The paperwork included with the letter included the address of XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX Florida XXXX. CitiBank concludes that I am responsible bases on XXXX verifying my credit card number, zip code and XXXX digit security code. Doing a quick internet search on XXXX XXXX and XXXX I see hundreds of complaints about this scam. I expect to be remedied.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found errors on my credit report and wrote letters to XXXX, Equifax, and XXXX on XX/XX/2020 asking them to remove the inaccurate information. I didnt received any letters stating why the items were placed on my report. I demand each item removed as it is inaccurate and is passed the 30 days. 

Thanks
Product: Credit reporting or other personal consumer reports

In accordance with The Fair Credit Reporting Act this creditor has violated my rights under XXXX XXXX XXXX section XXXX, which states I have the right to privacy. XXXX XXXX XXXX states XXXX section XXXX, it states a consumer reporting agency can not furnish an account without my written instructions. Under XXXX XXXX XXXX a creditor may not treat a payment on a credit card account under an open end Consumer Credit plan as late for any purpose.
Product: Money transfer, virtual currency, or money service

PayPal closed my account for almost two months ago for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is affecting me a great deal as I used PayPal quite frequently. I do online jobs for me to earn a living especially during this times of pandemic. Ive lost my job since last year due to retrenchment. This is the least way I could do to earn a living to fed my family. My email linked to my PayPal is " XXXX ''
Product: Bank account or service

About XXXX XXXX I contacted Paypal services about my debt card being linked to the wrong checking account at my credit union. I worked with the paypal customer service person on the line to switch my acct to another checking acct ( XXXX ) for further use with funding for my paypal acct when I needed. With an understanding that the previous acct ( XXXX ) would be removed and no longer used. As it turned out Paypal never stopped using the ( XXXX ) acct for backup funding and for about XXXX XXXX, XXXX until About XXXX XXXX XXXX, I incurred fees from ( XXXX ) because Paypal continued to submit drafts to for payment to the XXXX account causing on 25 separate occasions through out the period of time mentioned, fees totaling {$720.00} ( XXXX NSF fees at {$29.00} each ). When I realized what was happening I contacted Paypal and worked with XXXX representatives in Paypal Debt Card Dept, using the email noticed Paypal had sent me and my XXXX checking acct statements to develop the list of fees charged to me by XXXX for Paypals unauthorized attempts on my XXXX acct. The Paypal representatives developed the list and composed ( XXXX letters listing the XXXX transactions ) emailing the letters to my Paypal account email the letters for me to present to my bank stating Paypal was n't authorized to use the account and to credit me back the total of {$720.00} in NSF ( RIF ) fees. 
When I presented these letters to XXXX for refund of the {$720.00} in fees caused by Paypals error. XXXX informed me they would not refund me the fees because it was Paypal 's error and Paypal should refund the fees since they were not authorized to use my XXXX acct. 
I then called into the same dept at Paypal who drafted the letters for my bank and was transferred to a manager who informed me that they could not return all the fees as it was more the their norm and beyond the time period, yet he would apply {$100.00}. Into my paypal acct. 
I feel this is unfair, as {$100.00} is not reasonable, I want the full amount of {$720.00} returned to my acct. As Paypal drafted letters for my bank outlining their transaction to pay me the total fees for their error in that Paypal was not authorized to use my XXXX acct. So why when they are presented with paying for their error they only want to credit me {$100.00}, when they were willing to have my bank pay all of the fees in the amount of {$720.00}.
Product: Mortgage

I applied for a mortgage loan with quicken loans ( rocket mortgage ) on XX/XX/2020. 

I was told that they closed in an average of 42 Days. This was acceptable as i had a construction loan that had to be paid in approximately 60 days. 

After having everything clearing initial underwriting there was delay after delay for an appraisal. Finally had the house appraised and i was informed that i had to install hand rails on the front steps before i could close. I had already ordered custom steel railings to be fabricated but they will not be finished until XXXX. I purchased and had temp railings installed at a cost of {$750.00} so i could get closed. After doing this, I called to have the final inspection done so i could close on my loan. An hour later i received a call from a quicken loan employee informing me that " because i volunteered with the organization that i am now paid to work for ( a faith based 501 ( c ) ( 3 ) ), my income didn't qualify and i would need a co signer. This was over 90 Days from the beginning of the process. 

I repeatedly asked for them to send me the regulation stating this policy that excluded my income or type of income. They have really just given me the run around. They have acknowledged that the mistake was on their end ( didn't call it a mistake, but rather an opportunity for improvement on their end ). They said it is their policy but cant share that proprietary information with anyone. 

I feel as though i am being discriminated against. I have incurred thousands of dollars in fee 's and penalties due to quicken loans incompetence. They should not be allowed to string someone along for more than three months and then ... oops sorry, your job doesn't work for us, " your type of income '' " this type of income is considered contract work ''. They already received my check stubs and verification from my employer. This had the green checkmark on my dashboard for months.

I have hundreds of emails and text messages from numerous quicken loan employees. Not sure the best way to share them.

I believe i deserve a real explanation from quicken loans! I believe that I am owed damages from quicken loans. I have had many loans including a dozen mortgages in my life ; i have never experienced anything like this. 

XXXX XXXX XXXX -I have great credit -I was borrowing {$240000.00} on a house that appraised for {$570000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Chapter XXXX bankruptcy being reported I have no accounts in bankruptcy this was error. I have spoken with creditors ask this to be removed Violating my consumer rights Public Record Credit Reporting Standards to Begin XX/XX/XXXX Civil Judgments and some Tax Liens to be removed from many credit reports New standards for how tax liens and civil judgments are included in credit reports will go into effect on XX/XX/XXXX. These changes are part of the National Consumer Assistance Plan ( NCAP ), an initiative of the three nationwide consumer reporting agencies ( CRAs ) XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to enhance the accuracy of credit report information and to improve the experience consumers have when interacting with the CRAs about their credit report. Beginning XX/XX/XXXX, public record data collected for credit reporting purposes, including bankruptcies, civil judgments and tax liens, must contain minimum identifying information and be collected at more frequent intervals as follows : Minimum reporting of : ( 1 ) Name,
Product: Credit reporting or other personal consumer reports

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Checking or savings account

I canceled/closed my XXXX account ( checking, investing etc. ) XX/XX/XXXX, proceeding with the following steps and actions instructed on the site. These instructions were concise and pointily. 

I didn't think I would have any issues or occurrences until the following month XX/XX/XXXX, I received my first charge since the withdrawal and closure of my accounts. I proceeded to contact this company in their chat because I could not get through via phone line. 

The communication was that I had one feature turned on inside the app which wasn't simply didn't make sense, but I repeated the steps again and ask for a refund. Afterwards, everything appeared to be resolved, I deleted the app. 

I believe this was XXXX XXXX, I noticed a reoccurring charge on my account of maybe {$3.00}, charging my account. It was so small I hadn't even noticed it until I happened to do a deep dive of my spending for this particular month. I contacted XXXX via phone and ask for a refund. They didn't believe my charges and ask for me to send them an email, but I couldn't understand this because THEY are charging ME. I didn't want to expose my personal account. However, after some research I willing to send documents over to you all. 

They shortchanged me and refunded me the minimum. I had assumed at this point everything was resolved but no! This was wild! XXXX is still stealing money from me. I was still getting charged after about maybe 30-45 days later and again, I did not notice because the increments are so small. As soon as I discovered it this time, I am frustrated and consulted with a lawyer friend about my options. I had to pay to stop all FUTURE XXXX payments. Unfortunately for me, this is not a free service at my bank. 

To put simply, I feel taken advantage of as a consumer and anyone who has partner up with this company withdrawing funds from my accounts ... shame on you. I took every proper step. I can only imagine how many others this company is embezzling ( alleged ) money from by doing this. It is especially not okay for everyday worker. Not only was my mental affected by this, but my finances being also tipped to go negative causing over drafts. My emotional being was attacked because were only trying to do our best and it just wasn't good enough!
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized and Fraudently inquires In accordance with the Fair Credit Reporting Act. The List account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681.

15USC 1681 Section 602 A States I have the Right to privacy.

15 USC 1681 Section 604 A Section 2. It also states consumer reporting agency can not furnish a account with my written instructions.

15 USC 1681 ( a ) ( 5 ) Sections States : no consumer reporting may make any consumer report contains any of the following items of information any other adverse of information, other than records or conviction of crimes which antedates the report by more than seven years.

15 USC 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relation to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
15 USC 1681 Section 604A It also states consumer reporting agency can not furnish an account without my written instructions. 

Experian Creditor Date of XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not give anyone any written INSTRUCTION!!!! 
XXXX XXXX XXXX
Product: Credit card or prepaid card

Unfortunately, Chase has closed my 4 credit card accounts due to my recent disputes. This has been confirmed to me by the banks ' representative over the phone on a recorded line. Disputing charges is a statutory right under the Fair Credit Billing Act, which is protected by Equal Credit Opportunity Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filling this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify and/or validate the accounts I disputed. Being that they have gone past the 30-day mark and can not verify and/or validate these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " .... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Product: Checking or savings account

Account was found to have ( XXXX  XXXX ) unauthorized activity by cash app as I filed a complaint and dispute telling cash app this but om being treated as the victim and having a hard time receiving my XXXX from the account that someone removed my email and changed my pin and cash app repeatedly is asking what is the pin it's impossible for me to k.oe it cause I didn't change it I also found a phone number recently syned to my phone and email that I'm not familiar with someone has been hacking my phone apparently.
Product: Checking or savings account

XXXX XXXX XXXX XX/XX/year> I deposited XXXX into my bank account using my code generated on my phone they flagged my account and placed my account on hold and when I called they refused to provide me any information on when the CASH I DEPOSITED INTO MY BANK ACCOUNT FOR SAFETY THEY TOOK A BALANCE OUT OF THE MONEY AND STILL DENIED ME ACCESS, I called today and tried to see what the status was they had no clue multiple people told me I can go to the bank and have my amount printed in a check and close the account. I went there they said that is not true and I would have to wait up to 90 days PNC I DEPOSITED CASH IN THE ATM I NEEDED THAT TO PAY MY BILLS AND THEY REFUSE TO HELP ME
Product: Credit reporting, credit repair services, or other personal consumer reports

infomation on report is incorrect please fix
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Account : XXXX XXXX XXXX XXXX Personal Info : Employers : XXXX XXXX XXXXXXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, MA XXXX XX/XX/year> Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, MA XXXX