23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Saw a number of transactions going on with our PayPal debit card. I called Paypal at XXXX something in the morning. While on the phone there was a second XXXX charge going on. The Paypal representative canceled the card and had me change the account password. They opened a claim on all of the charges. But XXXX  days later the charges were denied. They told me that they could not prove I did not do the charges. I specifically told them numerous times I did not make those purchases and I have never done business with either of the companies. I do not even know who that is. They refuse to comply with my request and will not reimburse my funds. I state that I did not authorize all of these transactions. They are Unauthorized transactions! 

XX/XX/2024 XXXX - {$260.00} XX/XX/2024 XXXX - {$260.00} XX/XX/2024 XXXX XXXX - {$140.00} XX/XX/2024 XXXX XXXX - {$42.00} XX/XX/2024 XXXX XXXX - {$250.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I completed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. It has now been over 30 days, and still have yet to receive any response. 

Initial dispute sent XX/XX/2020 30 Day demand to comply sent XX/XX/2020
Product: Credit reporting or other personal consumer reports

I am filed a this FTC Identity Theft Affidavit to report four ( 4 ) separate fraudulent accounts appearing on my consumer FICO credit report which is the result of Identity theft and fraud. These fraudulent accounts consist of personal credit card opened with XXXX XXXX, Account ( private ) opened on XXXX, XXXX, XXXX. A personal Credit Account with XXXX Bank, account # ( private ), opened on XX/XX/XXXX, XXXX Bank, account # ( private ), opened on XX/XX/XXXX. A personal credit card with XXXX XXXX, account # ( private ), opened on XX/XX/XXXX, XXXX hese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 
Initial complaint with the CFPB complaint file against TransUnion on XXXX XXXX. TransUnion has not responded back. 

This letter is a formal request for the description of the investigative procedure used to verify the accuracy and completeness of the attached previously disputed item report ( XXXX ). The attached item has been disputed with the creditor. Please include the business name, address, and the telephone number of any furnisher of information contacted in this reinvestigation in compliance with the Fair Credit Reporting Act section 611 ( a ) ( 7 ). I must have the information requested within 15 days of your receipt of this request. It is at this time I will point out XXXX XXXX Transunion, XXXX XXXX XXXX and XXXX XXXX XXXX, et al., the courts rules each and every time that the CRA couldnt merely parrot information from creditors and the collection agencies ... that they have to conduct an independent and reasonable investigation to ensure the validity of the debt and the honesty/integrity of the creditor in question. Sending out a generic form does not contain my reason for the dispute is not reasonable. It is my hope that you will initiate an investigation regarding my disputes without any legal action. Each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter end up in court.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are many fraudulent hard inquires listed on my credit reports ( Experian, XXXX, XXXX ) that I have no knowledge of. The list of inquiries below are in fact unauthorized and some even duplicated, many inquiries also duplicated with duplicated dates. The companies listed below never had any reason or permissible purpose to pull, attain or utilize my personal credit, personal credit information or credit profile/report. 

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 : States a consumer reporting agency can not furnish an account without my written instructions. 

According to : 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. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/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
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I have began cleaning up my credit reports. I have noticed fairly quickly that I had a unimaginable amount of accounts from  XXXX . I began to review these accounts and noticed a few issues almost immediately. The biggest issue is the fact that I I have roughly  XXXX  accounts showing up as closed with a delinquent status. It is also showing that I have a charged of account status of roughly {$32000.00} total. These loans have been negatively effecting my credit and financial situation since   XXXX    . I have been denied car loans, credit cards and other financial items directly related to these student loans. My current car loan is at 20.9 % apr for a   XXXX   XXXX   XXXX  . I pay {$410.00} on a vehicle I could be paying {$200.00} a month for. I can not begin to tell you just how negatively this has effected mine and my families life. I hope you can offer some assistance or relief in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the third complaint now regarding Experian 's reporting of a medical debt in my credit report. Experian 's prior response to my complaint that it had agreed with most US State 's Attorneys General not to report medical debt within the first six months was met with a ridiculous response here at the CFPB. Experian stated that, rather than the 30 day investigation period mandated by law, it would now take 60 days to make a determination that could be adduced by a plain reading of the entry in the report. The entries reported by Experian are cleary within two months of the date of first delinquency ... not six. The entry should be removed on that basis alone, not invoke a new 'investigation ' period of double the amount permitted by law.

But that is not the purpose of this complaint. It gets worse. Experian next purported to have removed this entry and DID remove the entry. See attached report of XX/XX/2019. And so I stopped purusing the matter and when I again checked my credit report on XX/XX/2019 the information had re-appeared ... again in violation of federal law. 15 U.S. Code 1681i requires Experian to notify me within five days of reinsertion, which it did not do.

I expect that, once again, Experian will simply state that it will take another 60 days to 'investigate ' with the collection agency. However, NEITHER issue above requires any investigation at all with the collection agency. Quite frankly, it is apparent to me that Experian considers the Consumer Financial Protection Bureau to be a joke that it responds to complaints in this manner and watches as the CFPB deems the matter resolved and closes the case in the face of blatant and proven FCRA violations. I consider myself a consumer advocate, but perhaps Donald Trump has this one right and your agency should just be dismantled as a waste of taxpayer money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax XXXX and XXXX are refusing to delete 2 accounts that were so inaccurate i contacted them immediately!!! In the midst of this whole pandemic the need to have good credit has rised which means there is no time for erroneous reporting XXXX This Alleged chargeoff has 3 different dates of last activity a sign of re-aging the account further damaging my credit score yet all 3 bureaus swear they have verified the information as accurate. 

XXXX This alleged Mortgage account says late 30 days across all 3 bureaus but the account is closed- with an inaccurate payment grid- I disputed this alleged late account but all 3 bureaus verified it even though the company closed after it went bankrupt. ( XXXX XXXX XXXX ) How??????

Under the FCRA 15 U.S.C.? S 1681i, every single one even each any and or all of the unproven, not compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory account ( s ) must be promptly annulled in its entirety or even the whole of the claimed account ( s ) are to be deleted.
Product: Debt collection

Date per company:XXXX Company : US Collections West Issue : I have submitted to the company, and XXXX  a police report and an Affadavit explaining this account is fraud. Back in XXXX ( cant  temember exact date ) I was in the process of moving where I went to a public library to make copies of ids socials and other info ( paystubs etc ) for a rental application. I left the folder at a computer while using the restroom and it disappeared. All of a sudden later about 1-3 months accounts started popping up that was not opened by me. I know people may think all XXXX people look alike because they allowed this person to physically open up stuff and sign or it and everything. I explained this to the company over 5 years ago. It was also at one point removed from all of my credit reports then all of a sudden inXX/XX/XXXXthis company put it back. This company is refusing to remove it. I sent them my police report and everything. XXXX has also sent them the same info. They refuse to let me speak to a fraud specialist and they have not given me any other way to remedy this. This isnt right. And I need help.
Product: Vehicle loan or lease

I have been struggling wit XXXX XXXX for several months now trying to get them to report my car financing to the credit agencies. The account was opened in XX/XX/2014 and placed in to " XXXX  status '' in XX/XX/2014. They claim that it is their policy to simply NOT report on military accounts and that since the account has been closed that they can no longer report ANY information. I have spoken with their " XXXX of the XXXX '' and they concluded that there was nothing they will do for me other than send me a copy of my payment history and tell me to find a means of " self reporting ''. I can understand their desire to avoid noncompliance fines and lawsuits for service members with negative credit actions, but it is discriminatory for this company to report absolutely no information about an account to the CRAs. There is no reporting of the account every being opened or closed and yet the hard credit inquiry from XXXX XXXX was still visible on my credit report. To lenders this may be interpreted as a person applied for loans and was denied. It is absurd that they refuse to report a {$35000.00} loan that had an 18 % interest rate for over 3 years and its paid in full.
Product: Credit card

I applied for a credit card in mid XX/XX/XXXX with Bank of America. My wife recently applied for a card with them, got a good credit limit and decent interest rate, so I decided to apply for one as well. The balance transfer offer is what really got us, 21 months 0 %. I applied for the card and upon submitting my application I received an email saying it was under review. That was fine, understandable. I was approved the very end of XX/XX/XXXX/beginning of XX/XX/XXXX. I received my new card and terms of my new card on XX/XX/2017. I was very suprised to find that they gave me an interest rate of 21.49 %. Again, that was fine ( for right then ) as I was focused on just using the 0 % balance transfer offer and paying that balance off before it expired. On the VERY SAME DAY I recieved an offer for THE SAME EXACT card from Bank of America. Same Balance Transfer offer - 0 % for 21 months, HOWEVER, the interest rate AFTER the balance transfer would be 13.49 %. Obviously, I had my wife call immediately to have my interest rate lowered to the 13.49 %, since clearly my credit qualified me for it. When she got a representative on the phone, however, they were ZERO help. My wife is an expert in credit cards and knows a lot more about them than me, which is why she called. They refused to lower the rate, said they could assist in helping mm apply for the offer I recieved and were rude and disrespectful to my wife. My wife explained we recieved an offer of 13.49 % and the representative - manager - and other manager - told her that they do not send offers out with a set interest rate, rather a range of interest rates, implying that she was lying to them. I 've attached the offer received, it clearly states an APR 13.49 % after the XXXX offer expires! They then tried to tell her that credit profiles change - this offer was received XX/XX/XXXX and we applied for the card in mid XX/XX/XXXX. From the time the marketing offer was created to the time the application was approved that big of a change happened? ( It did n't - we monitor our credit very closely. ) Also, she was initially hung up on after being on the phone for an hour and she had to call back and start all over again. She was on the phone for over two hours trying to resolve this. I have serious reason to believe that Bank of America is not providing customers the interest rates they qualify for if they are applying online. This is completely unfair and not at all a good business practice. Additonally, the service my wife received is unacceptable. It could be a coincidence, but everyone she spoke to was a man and they were all disrespectful to her and treated her like she did not know anything. If I would have called in would I have been put through so much of a hassle? Bank of America seriously needs to take a second look on how they review credit profiles. I will not put another hard inquiry on my credit to recieve the interest rate offered to me on the marketing offer, because I should have recieved that in the first place. This seems like a major UDAAP issue as far as I am concerned.
Product: Consumer Loan

I was notified that Honda Fin. overcharged me on several accounts 5 in total.
Product: Mortgage

I divorced on XXXX XXXX XXXX. The divorce court order states I am no longer liable for the mortgage account as of XXXX XXXX XXXX. The XXXX has defaulted on the loan as of XXXX. Bank XXXX XXXX removed the negative report in XXXX after receiving the XXXX documents. XXXX XXXX put the defaulted mortgage balance back on my reports. They to have received the XXXX order stating I am not liable for the mortgage and refuse to remove the negative report. 
I am not liable for the mortgage per the court order thus my credit report should not reflect any record after XXXX XXXX XXXX. Please help clarify this issue respectfully, XXXX XXXX XXXX
Product: Credit card

I am an existing account holder with Chase with a Credit Card product that offers an annual {$50.00} hotel credit when hotel charges booked directly on the company portal. The benefit is available each year, and resets at the account anniversary date which is in XXXX for me. 
I had last benefitted from the credit in XX/XX/XXXX. 
In XX/XX/XXXX, I use my card for a hotel transaction on the company portal but haven't received my {$50.00} credit to this date. 
Upon contacting Chase in XX/XX/XXXX, a ticket was opened to investigate why. 
I subsequently received a letter dated XX/XX/XXXX stating that I had benefitted from the hotel credit on XX/XX/XXXX. 
I called back today XX/XX/XXXX to explain that my account anniversary was in XXXX so I should benefit from another credit, which the company agreed to. However, they could not commit to a resolution date and couldn't guarantee the outcome, which is contrary to the terms and conditions of the product which commits to a benefit fulfillment within 1-2 billing cycles.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letters re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section XXXX ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and XXXX have gotten into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

My elderly XXXX had a XXXX XXXX XXXX. She wanted to collect XXXX XXXX as points with large purchases. I moved to help prepare and continue caregiving for her. I used the card, letting her know, for my moving and storage costs. I paid a portion of the bill and she then asked me to start to pay her directly because she is in dispute with XXXX. Instead, XXXX keeps reporting this card on my account. I have written two letters, responded to a request via handwritten form mailed as well as have called, with my mother in the room. I've called several times. The XXXX XXXX says my name is not associated with the account. The account shows up on ALL my Credit Reports. I am trying to buy a Home as I am a student and need stability. This is preventing me from using Down Payment assistance programs and has forced me to miss out on home purchasing while the interest rates were lower. My credit was stellar prior to this. This is an act beyond norm as I have also been harassed and investigated, without reason, by them. They are interested in taking over my mother 's assets as well. All of it is unfair, unjust and I've tolerated enough. The XXXX Legal Dispute team for Credit Issues located in XXXX XXXX has not responded nor have the individuals. My Credit report was just run again today and still shows the issue. They confirmed removal in XXXX, XXXX and XXXX XXXX XXXX I checked again and a mortgage lender tried and found issues still. By XX/XX/2022 the issue still existed and I wrote a follow up letter. My credit score has gone down another XXXX XXXX XXXX This is such a blatant attempt to try to put stress on an already stressed family dealing with XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Please assist. 

Thanks! XXXX.
Product: Mortgage

Carrington Mortgage has reanalyzed my escrow account and changed my payment four times in the last twelve months. My payment keeps going up, then down, then back up and I have no idea how much my mortgage payment is going to be month to month. These swings are not small, being between 20 % -40 % in either direction. Swings that large are impossible to budget and much financial planning very difficult. When I called and asked, I was told that escrow reanalysis happened every time something was paid from escrow. I was basically told to " Deal with it '' as Carrington could do as they wanted and I did not have any recourse.
Product: Money transfer, virtual currency, or money service

Iam writing to formally express my concerns regarding Zelles handling of disputes. 
Particularly in light of the recent CFBP lawsuit highlighting significant issues with the platform Despite using Zelle numerous of times and reporting discrepancies my financial institute and Zelle failed investigate my claims properly they told me tracking and recovering funds wasnt feasible. The CFPBs finding indicate that Zelle has not neglected to protect consumers but has allowed repeated offenders to exploit their systems leaving users vulnerable to scams This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety
Product: Checking or savings account

Around XX/XX/2022, I called UMB Bank attempting to close my account. I was told the account closure process over the phone usually takes a few days to process and mail a check to my address. I was in no rush for the funds, which totaled somewhere around {$800.00} and {$1000.00}. Before my account was to be closed, I informed the phone representative of a new address not on file with UMB. 

Knowing our current mail system, I was informed 7-10 business days for receiving a check. 

Around XX/XX/2022, I've yet to receive the check, but I actually received my final statement showing my account was closed. It was addressed to my old address but was forwarded to my new address since I changed my address with the post office. Finding that odd, I called UMB asking where my check was mailed to since it would've made more sense to receive the check before the final statement. I was assured that despite my statement going to the old address, that the check was addressed correctly to my new. I was told to give it another week. 

A week later, still with no check, I called and was now told it went to the old address but was still not cashed. Was told to wait another week. 

Called again a week later, now being told it went to the new address. I was now told that since it was a cashier 's check, I have to wait 90 days before I could have the check reissued. Knowing my hands are tied, I confirmed the exact date I would be eligible and was told XX/XX/2022 which was more than 90 days from when I initially requested to close my account. Again, hands tied. 

Now, XX/XX/2022, I call and the representative I spoke with gave the impression it went to the old address. Regardless, it doesn't matter since it should now be eligible for reissue. I'm now getting the " runaround '' as they try to find this check. Again, it shouldn't matter at this point. I stressed that I would like to come to an office to pick up a check, in fear of this happening again. I was informed that since my account was closed over the phone, I only could receive a check via mail. I find this completely unacceptable and my request is 100 % reasonable because a cashier check is drawn off an institution account so whether I receive a check via mail or in-person should not matter at all. They have been holding my money for months with different representaives giving different answers all along this way.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that you are reporting incorrect personal information on my credit report. I need the following information updated as soon as possible. 

My current address is : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX My current phone number is : XXXX My current Employer is : XXXX XXXX XXXX XXXX XXXX Please remove the following personal information from my credit report. My identity has been mistaken. 

Incorrect Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ; XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed chapter XXXX bankruptcy that was discharged on XX/XX/2021. The bankruptcy is not showing discharged on my Transunion credit report. I was told that it takes 30 days to update and it has been over 76 days ago.