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

This particular credit card company 's employees continues to harass and discriminate me by asking 5/6 verification questions, when their employees refuse to give their employee IDs. I also believe there has been ID theft involving this credit card company 's employees. 

Additionally, this particular credit card company 's employees continue give wrong balance on Reward Points.
Product: Credit reporting or other personal consumer reports

I have contacted you in 3 previous letters asking for investigation and reinvestigation into the accounts listed. Each time they have been verified and updated with no supporting evidence to show why after I requested it. The FCRA clearly states the process you must take to be in compliance with the law. I have sent photo evidence to show the inaccuracies and you continue to state that the account is verified and updated. This inaccurate information falsely manipulates the statute of limitations and damages my ability to obtain credit. You failed to investigate this account properly and your neglect has violated my consumer rights. This will be the last time I reach out before seeking remedy through the court. Please delete these accounts from my consumer report immediately. 

XXXX XXXX
Product: Debt collection

There was no accurate button to press. I paid off this debt collection from XXXX, original creditor- Debt collector Enhanced Recovery Collections. I was advised when I paid in full that it would be removed entirely from my credit report once they received the check. It has not since been removed from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute multiple unauthorized accounts and inquiries that appear on my credit report. According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am entitled to dispute any information that I believe to be inaccurate or incomplete. Using an EOSCAR SYSYEM IS FAULTY AND SHOULD NOT BE CONSIDERED A THOROUGH INVESTIGATION AND I AM AWARE THIS IS WHATS HAPPENING! Credit bureaus are obviously failing to investigate when Im providing documentation of my true identity and false names are still being reported which is NOT my name. The addresses and names for each credit bureau should match. 
I have identified the following accounts and inquiries on my credit report that I did not authorize or provide written consent for and have not been properly investigated : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

XXXX paid in error 2 years in a row. I have called and emailed twice this year. Last year the same and told it would be taken care of. 

I am due 2 years flood back pay. The flood is part of hoa, XXXX floods not needed.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my XXXX Bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX XXXX XXXX XXXX XXXX Account Balance {$19000.00} XXXX XX/XX/XXXX XXXX XXXX XXXX Account Balance {$3500.00} XXXX XX/XX/XXXXXXXX Account Balance {$4400.00} XXXX XXXX XXXX XXXX Balance {$23000.00}
Product: Credit card or prepaid card

On XX/XX/XXXX, a fraudulent charge was processed at a XXXX XXXX ( for an iPad ) that my family has never been to in a town that is a considerable drive away. Upon noticing this, I started a fraud claim and was credited back as it was determined I did not make this purchase.

Today, XX/XX/XXXX, Chase called me to tell me that because the card had a chip, they would deny that it was a fraudulent charge and would be placing it back on my account. 

I explained to them that : 1. I work in security, chip cards can still be stolen, reproduced, and used ( it's called shimming ) 2. My wife and I do not own ANY XXXX products and have never had any intention of purchasing one. 
3. We were not in that town on that day or even in that month. 
4. They had produced no evidence that it was a legitimate charge. 

They have decided to not listen and have told me that they will be placing the amount back on my account and did not provide any way for me to appeal this decision.
Product: Credit reporting, credit repair services, or other personal consumer reports

TODAYS DATE:XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX, GA XXXX Experian Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question.  Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit card

I am submitting this complaint regarding an erroneous and damaging entry placed on my credit report by Wells Fargo Bank , N.A . Since XX/XX/XXXX, Wells Fargo has been reporting collection activity on a credit card account that was charged off and closed. This ongoing negative reporting has significantly and unfairly impacted my credit rating. 

Furthermore, Wells Fargo refuses to discontinue this practice despite the dubious nature of reporting collection activity on a charged-off and closed account. This refusal has left me in a financially precarious position. Compounding the matter, Wells Fargo has also declined to acknowledge that my Social Security number was compromised via a data breach, which has further exacerbated my situation. 

For additional context, my Social Security number has been subject to numerous breaches and Dark Web disclosures over the past year, as outlined below : XX/XX/XXXX : Data breach Social Security number compromised. 

XX/XX/XXXX : Social Security number found on the Dark Web. 

XX/XX/XXXX : Data breach Social Security number compromised. 

XX/XX/XXXX : Social Security number found on the Dark Web. 

XX/XX/XXXX : Dark Web activity involving my Social Security number. 

These breaches have exposed me to identity theft and related financial harm. Despite bringing this to Wells Fargos attention and disputing their continued reporting practices, the company has refused to take corrective action or remove the negative reporting from my credit file. Their inaction has caused me significant stress and financial hardship. 

I respectfully request the Consumer Financial Protection Bureaus assistance in addressing the following : Investigate Wells Fargo Banks continued reporting on a charged-off and closed account.

Require Wells Fargo to cease reporting collection activity on the charged-off account. 

Ensure that Wells Fargo acknowledges the impact of my compromised Social Security number and reviews the potential implications of identity theft in this matter. 

Direct Wells Fargo to remove the erroneous information from my credit report. 

This situation requires prompt attention to safeguard my credit standing and mitigate further financial harm. Thank you for your time and assistance in resolving this matter.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I discovered accounts that I did not recognize or apply fo upon further investigation. I realized that my personal information was exposed in several data breaches as well. I have no recollection of applying for any of the accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days! 

These fraudulent accounts are not only damaging my credit report but also causing me significant stress XXXX XXXX. I have no connection to these accounts and urgently request their immediate removal to prevent any further harm to my financial well-being.
Product: Student loan

I am on an automatic payment plan with Heartland ECSI. 

XX/XX/2019 I wanted to make a payment on my largest loan with the highest interest rate. Heartland ECSI does not allow you to target specific loans. This is unjust. To make a payment online one is charged a {$10.00} fee, and a 3.95 % charge. This is clearly immoral and wrong. 

XX/XX/2019 I made a check payment to Heartland ECSI of {$1000.00}. The payment was not processed. See attached : " Payment Not Processed '' .pdf. 

XX/XX/XXXX account statement reads {$870.00} Past Due and {$18.00} in Fees. See attached.

Subsequent statements, also attached, accrued interest and fees on this amount. I did not take any action on paying these fees and amounts, since I thought it was clearly a mistake. 

XXXX I called Heartland and they said it was a mistake. The removed the fees from my account and the Past Due amount with interest charged. I asked why was my one-time payment not processed. They said they " could not find the account. '' I asked how can I submit a payment without paying the exorbitant fee. 
They said send in a check. 
I already tried sending in a check ; that is what caused this problem in the first place. 

In short it is seems impossible to make a one-time payment to Heartland ECSI without some sort of exorbitant fee for the privilege.
Product: Debt or credit management

I began services with TomoCredit for their TomoBoost product in XX/XX/2023 based upon receiving numerous email their services would increase my credit score. The amount of the payments to be paid for the TomoBoost product were {$34.00} per month in exchange for a {$10000.00} credit line reporting. The credit reporting NEVER reported to ANY of the credit bureaus as promised to date. Not only did nothing ever happen but as in services or products as promised but they continued to bill me {$34.00}. When I noticed that this was happening, I reached out to TomoCredit, there was no way to cancel the service I was not receiving, and they say there is no refund according to their terms and conditions. A contract can only be valid if there is performance. Tomo Credit/ Tomo Boost never performed any of the services offered to me or that I paid for. On Tomo Credit/Tomo Boost part there has been ZERO performance. However, I have paid for the services and performed my side of the agreement. It is really unfair for Tomo or any company to prey on people and promise their services can positively impact one 's credit report and knowing they can not provide this service. I am not the only party complaining about not receiving services there are hundreds of other similar complaints in which Tomo has taken money without performing services while making it difficult and nearly impossible to cancel.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed five complaints with XXXX because they are mixing me up with my father. His credit card keeps showing on my credit file and I want to get it removed. We share the same first name but our last names are different and we share the same address. My first complaint filed to them was some time back in XXXX. My following complaints were XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX and I believe XX/XX/XXXX I also made a complaint to them over the phone. I try to contact American Express but when I tell them about the situation I get told that there isn't a card registered to my SSN and that I should take it up with a credit bureau. I am confused because if American Express is telling me a card doesn't exist under my identity why does XXXX insist that it does. I do not understand how XXXX thinks the card belongs to me when I have filed so many complaints to them even going as far as to send them a photo of our IDs next to our respected cards to prove that the card does not belong to me.
Product: Credit reporting or other personal consumer reports

My account at XXXX XXXX XXXX XXXX XXXX is closed TransUnion keeps reporting that it is open with a balance
Product: Money transfer, virtual currency, or money service

From : XXXX XXXX Re : PayPal Account Hold Unjustified and Ambiguous Actions Dear CFPB Representatives, I hope this message finds you well. My name is XXXX XXXX, and I'm writing to raise a serious concern regarding PayPal and its actions, which I believe are in violation of my rights as a consumer and potentially in contravention of specific U.SXXXX financial regulations. 

On XXXX, PayPal sent me a communication indicating that they have ceased processing payments for my account. Their rationale, as stated, is notably ambiguous : they cite " activity on this account that we can not support '' without offering any specific details or clear reasons. As a long-standing user of PayPal, XXXX have always adhered to their terms and conditions and, to the best of my knowledge, have never engaged in any prohibited activities. 

I find their decision not only puzzling but also deeply concerning. By freezing my account, PayPal has effectively trapped a significant sum of {$4000.00}, which they claim might be held for up to 120 days. While they note the potential for chargebacks or other financial liabilities, there have been no recent transactions or activities on my end that would warrant such a drastic measure. 

This situation raises several issues : Lack of Transparency and Specificity : PayPal 's vague communication and broad reasoning deprive me of a proper understanding of what has transpired. Such opacity in business practices raises questions about fairness and transparency. 

Potential Breach of the Electronic Funds Transfer Act ( EFTA ) : By holding my funds without a clear reason, I believe PayPal might be violating provisions of the EFTA, which ensures consumers are provided clear information regarding electronic fund transfers. 

Undue Financial Strain : The locked funds have caused significant financial inconvenience. The fact that they can hold the funds for up to 120 days without a definitive reason feels like a breach of good faith and fair dealing. 

Ambiguity in PayPal 's 'Supported Activity ' Section : Having reviewed the 'Supported Activity ' section in PayPal 's Help Center, I still find no clarity on what might have triggered this action on my account. It's essential for service providers like PayPal to provide clear and accessible information on what constitutes prohibited activity. 

I humbly request the CFPB to investigate this matter and ensure that such practices are held up to the highest standards of scrutiny. Consumers deserve clear communication, especially when dealing with financial matters that can significantly impact their lives. 

Thank you for your attention to this matter. I appreciate your dedication to protecting consumers and hope to find a resolution soon. 

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

I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding your failure to provide proof of reinvestigation in response to my dispute. 
On XX/XX/2022, I submitted a dispute to your company regarding XXXX XXXX XXXX ( Collection ), XXXX XXXX XXXX ( Collection ) XXXX XXXX  XXXX XXXX ( Collection ), XXXX XXXX XXXXXXXX ( Collection ) and XXXX XXXX ( Collection ). As part of my dispute, I requested that you reinvestigate the information and provide me with proof of the reinvestigation, as required by the Fair Credit Reporting Act ( FCRA ). 

However, despite multiple requests for proof of reinvestigation, I have yet to receive any documentation from your company showing that you have completed a reinvestigation of the disputed information. This failure to provide proof of reinvestigation is a violation of my rights under the FCRA and has caused me significant harm and financial loss. 

I am requesting that you immediately provide me with proof of reinvestigation for the disputed information, as required by law. Additionally, I request that you remove any inaccurate or incomplete information from my credit report and take any other necessary steps to ensure that my credit report is accurate and complete. 

If I do not receive a satisfactory response to this complaint, I will be forced to pursue legal action to protect my rights under the FCRA. 

Thank you for your attention to this matter.
Product: Debt collection

Ive recently checked my credit report and noticed some inaccurate accounts reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

A year ago, my husband XXXX was diagnosed with XXXX XXXX XXXX XXXX  XXXX. 
We have worked long and hard to build an exemplary credit history and had a strong credit score of XXXX. We had no late payments and no negative reports. As part of my husbands preparation for treatment, knowing that he wouldnt be able to manage our finances regularly, he set up automatic payments on our {$4500.00} XXXX credit card debt, amounting to {$150.00} per month ( above the minimum ), to continue until he was able to return to health and make further arrangements. 

Unfortunately, without our knowledge, interest on our debt increased and our pre-arranged payments no longer covered our monthly obligation. Thirty- and Sixty days late charges began to accumulate, and as a result, our credit score dropped to XXXX. XXXX XXXX recorded our dropping score, but didnt reflect any issues with XXXX. The cause of the decline was, at first, a mystery. 

As soon as we learned about this situation, just over two weeks ago, we called XXXX to resolve the issue and make arrangements to pay off the balance. We were told the debt was out of their hands and had been sent to collections. 

We spoke to our local branch manager, Mrs. XXXX XXXX, who understood our situation and attempted to solve the problem. She explained our predicament to a relevant supervisor, only to face the same response : We cant do anything. 

Though we can provide proof that we never missed a payment, our credit remains severely damaged. Again, our credit shows no late payments. In fact, our credit report shows no late payments from any of 15 other creditors. Only an insane person would pay everybody else and disregard one creditor. After working years to establish perfect credit, our compromised credit score means we can not refinance our home or pursue our life plans. The direct impact on our lives, however, is far more fundamental. 

Our efforts toward establishing perfect credit are part of our dream to establish a family. I have recently found out that I cant have children of my own. We have been working with the XXXX XXXX adoption agency in XXXX XXXX to adopt a child, that is my life long dream. I was born in XXXX as my father was U.S. Military and my mother XXXX. This low credit score will disqualify us from adoption.
Product: Checking or savings account

It's past 2 days already and I haven't received my salary through direct deposit on capital one.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach that has compromised my personal information. As such, I request that all inquiries listed below be blocked and deleted from my credit report, pursuant to XXXX5 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
The affected inquiries are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I received an email that my information had been breached with XXXX XX/XX/2019. I clicked on the link in the email that was provided : XXXX XXXX XXXX to check my records. When I checked my last name and last 6 of  social, I received this message : Based on the information you provided, our records indicate your personal information was impacted by this incident. My credit has been impacted with inquires and accounts I did not authorize and had any knowledge of. XXXX confirmed that during the data breach my personal information was exposed.
Product: Debt collection

On XX/XX/XXXX opened services with companyFair Collections & Out about XXXX XXXX XXXX. Had to break lease due to family emergency and move back to Ohio. Contacted Company numerous of times. Balance Currently Shows {$3500.00}. Would love to be forgiven and removed off credit, because of the damage its doing to my credit report. 

On XX/XX/XXXX account from XXXX was closed and charged off with balance showing {$0.00}. Please remove from all credit bureaus, account is in good standings. Cant reach Company On XX/XX/XXXX account for XXXX XXXX Was opened and closed with a balance of {$110.00}. Had to leave on emergency to go back to ohio. Please forgive and remove from credit On XX/XX/XXXX account for XXXX XXXX was Opened, account is in good standing and paid off and updated on XX/XX/XXXX. No longer have credit card or access to it. PLease remove account from credit please
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Last reported XX/XX/2023 {$4400.00} Open balance {$16000.00} Balance is XXXX and company will not correct reporting
Product: Debt collection

I began receiving notices from Ability Recovery Services who is or represents XXXX. when I received the initial contact it was months ago via voicemail messages left stating that I owe them XXXX and I need to pay or else. Months have passed and now they pop up on my credit report. On XXXX XXXX I sent a formal request to send proof of my ownership of debt, their response was just another collection letter not responding to my request for proof. They are now reporting to all XXXX bureaus me owing {$22000.00}. It 's been over 31 days and they have not marked my account as disputed.