23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/XXXX I was involved in an attempted XXXX XXXX. Within days i contacted the property mgmt to vacate the property due to my safety concerns being life or death, prior to this incident I had went to mgmt more than 5 times to address safety and lighting within and surrounding the community. No actions were taken to correct these valid concerns. Ultimately when the XXXX  took place myself and the intruder exchanged XXXX XXXX  and I am being charged for AC units I did not damage. I yonly was responsible for the door in which I paid for with a credit I have over $ XXXX. 
XX/XX/XXXX I was contacted in regards to the last invoice from XXXX XXXX and I responded to them by calling the manager and left a message, no returned call. 
XX/XX/XXXX - I was notified by genesis they were attempting to collect a debt and I also responded promptly to get in front of this and a rep by the name of XXXX spoke with me and indicated something was off with the amount owed and she. Needed to speak with the property before she could continue with me. She indicated she would follow up soon and I waited 30/60/90 days with no response. I was under the Impression this was an error due to knowin I was allowed to exit without fees and I let it go. However in .... 
Early XXXX ( XXXX ) was sent my credit report from accountant and she informed me of this collection that recently posted... I called genesis and got through to a rep by the name of XXXX ( call was recorded and attached to these documents below ) please listen very carefully for authenticity of this claim being escalated to the consumer board. ( The property never responded to XXXX, he said XXXX  sent me a revised invoice and when asking what time and the amount he confirmed the time and I sent him while on the phone the same email I had gotten at that exact time and the amounts did not match. To add, I also informed him of the manager at XXXX  who I had a decent relationship with allowing me to vacate with a fee associated. Despite knowing this is false and not right I even asked was there anyway to get it off my credit that day if I paid something to show good cause because it was impacting my businesses I own having a collections. I respectfully ask that the consumer board look at all the facts and details presented and assist with having this removed from my credit please! Thank you
Product: Credit reporting or other personal consumer reports

I am filing to formally lodge a complaint against XXXX regarding an erroneous account on my credit report. This complaint is made due to violations of my rights under the Fair Credit Reporting Act ( FCRA ). I have discovered that the above-mentioned account is being reported inaccurately on my credit reports from the major credit reporting agencies. This incorrect reporting has negatively impacted my credit score and caused me significant distress.
Product: Checking or savings account

my name is XXXX XXXX and i had account with wise.com. My account details is AC No : XXXX ( USD ) ACH and Wire routing number : XXXX I am running XXXX XXXX XXXX in XXXX which is register and verified XXXX XXXX address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WY XXXX I keep on getting payment from my clients for the XXXX ads services. 
Yesterday wise account got suspended without any pre intimation and my amount has been hold which is around $ XXXX USD. 
I request you please look into this and get my fund released asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

dates of callsXX/XX/XXXX2019, XX/XX/XXXX2019, XX/XX/XXXX2019 6-7 calls daily from XXXX XXXX keep blocking numbers but continue calling with other ID numbers SCAM Telemarketing calls
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im XXXX XXXX XXXX, I just checked my report and Ive discovered that the items I requested for you to investigate and delete are still on my report, what's going on? you seem to be ignoring my letters. I have been sending you letters for a couple of months now but the negative items are still there like you're completely disregarding it, I am not even getting any response from you people. I was told by a lawyer that this is a violin of my right, under 15 U.S.C 1681N and 1681O for willful and negligent non-compliance and I am willing to take it to the next step should you continue your negligence.
Product: Debt collection

Today, XX/XX/XXXX, I got a call from XXXX XXXX XXXX saying that I have a XXXX charge that I need to pay but it's under the name XXXX XXXX. My social sec card and driver lisrnce was stolen in XXXX and someone may be using my identity. I don't even own a XXXX account.
Product: Credit reporting or other personal consumer reports

I am writing once again to dispute the account appearing on my credit report. As I mentioned previously, I have been a victim of identity theft, resulting in several fraudulent account being opened in my name without my knowledge. While the bank has acknowledged this account as fraudulent and agreed to remove it from my credit report after I submitted the required FTC report, I have noticed that your bureau continues to report them, despite their approval. It is important to note that as a credit bureau, you are legally obligated to ensure the accuracy and timeliness of your records. By failing to remove this fraudulent account, you are not fulfilling this obligation and are exposing me to further harm. 

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

I submitted a complaint last XX/XX/2023 and it was closed immediately with a reason ( The CFPB closed this complaint because it has already processed your earlier complaints about this problem. ) I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Product: Credit reporting or other personal consumer reports

I am formally disp

uting the following negative items on my Equifax credit report, as I strongly believe they are the result of a data breach. These inaccuracies are unjustly impacting my credit profile, and I am demanding immediate corrective action. Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding XXXX failure to conduct proper investigations. Specifically, in a lawsuit filed against Equifax, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the Fair Credit Reporting Act ( FCRA ).

As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Equifax is legally required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law.

I am not requesting a generic notice that an investigation has been completedI demand a full and transparent explanation of every step taken in this investigation, including what sources were contacted, what documentation was reviewed, and how each disputed item was verified. Given Equifaxs documented history of noncompliance, I will not accept any superficial or automated verification process.

I expect Equifax to take this dispute seriously and ensure full compliance with FCRA regulations. Any failure to properly investigate and correct these inaccuracies will leave me with no choice but to escalate this matter further.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting or other personal consumer reports

I Was XXXX From XX/XX/XXXX Until XX/XX/XXXX And I Have Provided Proof Of That FACT I HAVE Sent A Copy Of My Release Papers FROM THE FEDERAL GOVERNMENT And A Police Report Stating The Facts That I Am A VICTIM OF IDENTITY THEFT
Product: Checking or savings account

I deposit a business check for work performed for a customer on XX/XX/XXXX, I was told it would 10 days before check cleared, after the funds cleared XX/XX/XXXX, I removed enough to cover expenses for the job. On XX/XX/XXXX the check had returned. M & T without any word withdrew all my money putting me in a minus XXXX balance which in return bounced my bills that were scheduled to come out. Also, M & T hitting me with service fees {$38.00} another {$38.00} and another {$38.00}. This negative balance also took a direct deposit of XXXX from a tenant for rent that brought my negative down to XXXX. M & T took it upon themselves to credit my account temporarily, I left the credit alone, after contacting M & T and discussing the fact that this is fraud, I feel its half their fault that I'd be taking more of a loss than them, the agent informed me that my account would be closed. I haven't heard a word from them till my mother called me XX/XX/XXXX in a panic stating that M & T had shut her debit card off on her account with no notice other than her bills paid with the card bounced and going to see what was wrong. Since her name was on my acct they weren't opening issuing a new card and that they were going to take XXXX from her social security check deposits.
Product: Debt collection

I needed money for myself and my family. Old people and sick people are inclined to believe that there are also people in our society that are ready to help. And very soon, in XX/XX/XXXX, a person who was taking care of the less fortunate, appeared and offered me financial help - a big winning check from XXXX  XXXX XXXX that could solve my problems. But there was a catch : I have to pay fees to get the check delivered. The check was going to be delivered at the beginning of XXXX, then, the end of XXXX, end of XXXX and finally it was never delivered. However, the requirement for the money I had to provide never ended. First, this individual used up the money in my Bank account, when it finished, I had to take a {$25000.00} loan from XXXX and send it to him. Because the money I provided was not enough, he took all my credit cards and charged them to the top to make " more money ''. I insisted that he had to pay his debt and return immediately the cards but he didn't return them, nor he paid what he had bought, as he promised. The only thing he did was to " open an account in my name in XXXX XXXX XXXX  '' ( Routing number XXXX, Account number : XXXX, XXXX, Iowa, XXXX ) with {$40000.00}, so that I can start paying the credit card debts ''. I used efficiently the money to pay partially the credit cards. However, the same day, on XX/XX/XXXX, the checks were returned, because the bank declined the transactions. When the credit cards were blocked by the bank, he started squeezing all my savings and XXXX XXXX  accounts until they drained. To all my complaints, the answer was that if I did not agree, he was going to donate the winning check to charity. This check is still in the air. 
He was using any mean tactic to take more and more money from me. Initially I trusted him. At the beginning of XXXX, XXXX, XXXX he or his team purchased for {$12000.00} in the country XXXX, with foreign currency, home improvement stuff ( attachment 1 ). On the next statement all the purchases were for using of restaurants, XXXX XXXX attachment 2 ), nothing was paid. The next statement XXXX shows my unsuccessful attempt to pay the balance with the false account that the scammer has created and its almost immediate cancellation. However, the purchases mainly of gasoline continued. The scammer did a small payment of {$310.00}, so that he could continue to buy more gasoline and go to more restaurants. At the end of XXXX, the balance reached {$16000.00} and continues to go up because of the fees. The fraud department of Discover declared that I had authorized the charges and wants me to pay the balance. As I have already explained : 1 ) I did not authorize the scammer to buy materials etc., stuff that I have no idea about ; 2 ) I was completely robbed and can not pay anything
Product: Credit reporting or other personal consumer reports

I visited www.autopaydirect.com on XX/XX/2023 to look into refinancing my auto loan. 

Autopaydirects website advertises a prequalification with no XXXX XXXX impact. 

I input my information and, upon hitting submit, moments later I was notified that my TransUnion credit report was accessed by XXXX and XXXX XXXX XXXX. 

None of the XXXX companies listed ( XXXX XXXX XXXX XXXX XXXX XXXX  ) had my permission to do a hard pull on my credit report, and doing so is contrary to the advertising put forth by XXXX XXXX. 

I am including a screenshot of their advertisement as well as a written response from XXXX XXXX XXXX.
Product: Checking or savings account

I was scammed by a individual selling candy for their basketball team at a XXXX i go to they charged me initially {$5.00} then when i checked my bank a couple days after they switched the amount to {$200.00} dollars I followed all the instructions capital one getting a police report the individual since they were a scammer didnt provide me a receipt for the transaction but I did see the initial charge was for {$5.00} dollars
Product: Debt collection

Disputed account with all XXXX credit bureaus, requested debt validation under the FDCPA and they have not validated the deb but continue to validate the dispute with the credit bureaus which is a violation under the FCRA. They have not provided any proof consent given to share or obtain private and protected medical information under the medical bills act.
Product: Mortgage

Carrington Mortgage Services has employed accounting practices that maximize the interest accrued on my mortgage rather than paying down my principal. I intentionally pay extra every month in order to minimize the interest I am paying, but Carrington 's policies and practices will not allow this by default. 

This mortgage was originated in XX/XX/XXXX and has always been current and in good standing. 

Details : Carrington Mortgage Services purchased my mortgage from XXXX on XX/XX/XXXX. Since then I have made 3 payments of {$3000.00} each on XX/XX/XXXX ( due XX/XX/XXXX ), XX/XX/XXXX ( due XXXX   XXXX ), and XXXX XXXX ( due XX/XX/XXXX ). Each of the {$3000.00} payments sent to Carrington included ~ {$1100.00} excess funds which should have been applied to my principal when each of the payments were received.

However, Carrington did not apply the funds as expected. 
( 1 ) for the XX/XX/XXXX payment, Carrington applied the funds as expected with excess payments being applied to principal. However, this payment was reversed and reapplied on XX/XX/XXXX with the excess payment ( {$1100.00} ) being swept into " unapplied funds ''. Carrington only applied the MINIMUM payment to my principal for the bill due XX/XX/XXXX. 
( 2 ) for the XX/XX/XXXX payment, Carrington also only applied the MINIMUM payment to my principal for the bill due XX/XX/XXXX. The excess payment ( ~ {$1100.00} ) was swept into " unapplied funds ''. OnXX/XX/XXXX, the balance in " unapplied funds '' was then used to pay the mortgage bill due XX/XX/XXXX. Again, the MINIMUM payment to principal was made. 
( 3 ) for the XX/XX/XXXXpayment, Carrington swept the entire payment to " unapplied funds ''.

Under my former lender, my principal decreased by ~ {$1200.00} per month but under Carringto
n they are only allowing my principal to decrease by {$450.00} per month. 

I have called Carrington weekly to try and understand the situation. Carrington has been able to explain their practices, which are the root cause of this problem. The only solution that Carrington has to offer is to watch the account and then call them if I do not agree with how they have applied my payments. 

It is clear that Carrington is applying my payments in a manner to maximize the interest accruing on the account while leaving my extra payments in a non-interest-bearing " unapplied funds '' sub-account. Basically, I get no value from sending extra principal payments and they get all reward.
Product: Money transfer, virtual currency, or money service

I was scammed using Zelle in XXXX. The {$400.00} that left my account chase would not help me get it back. Since my personal checking account is protected from fraud I thought using Zelle would offer the same protections and it did not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a car lease with XXXX XXXX XXXX XXXX XXXX XXXX. I am not disputing anything on my credit reports in regards to my car lease. On my XXXX XXXX report it states this in the status / remarks comment section " Account information disputed by consumer, meets FCRA requirements. I am not disputing anything with my car lease with XXXX XXXX. 

On my Equifax regarding the same XXXX XXXX XXXX XXXX account. The remarks section says " Consumer disputes this account information ''. The remark section shoul be blank. I am not disputing anything with XXXX XXXX XXXX.
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX and Im a customer with Chime banking. XXXX beginning of 2023 someone I knew hacked my bank account out of malice. I went to the bank and had to send multiple pieces of information to prove who I was so I can simply log into my account that I was now locked out of. I filed a dispute for charges that were made while I didnt have access to the account and multiple times my dispute was denied. Even though I had multiple pieces of proof that I was not in my account and didnt authorize the transaction Chime still made the situation unbearable.
Product: Credit card

I cancelled my account on XX/XX/2023, which within the 45 day window stated on the credit card statement for getting a refund of the annual fee that was charged on the XX/XX/2023 statement. They told me I would receive a refund check. The check never arrived so I called. They told me that although the monthly statement clearly states that I have 45 days to close the account to get the {$59.00} fee reversed, their internal procedures are based on 40 days ( my call to them came on day 41 ). They didn't disagree with me but they said there is nothing they can do due to constraints on their internal processes except write to their corporate offices. 

I sent a letter to the corporate office address they gave me on XX/XX/2023. They apparently kicked it back to the same Customer Care group I was trying to work with. That group sent me a letter dated XX/XX/2023 stating that they are " unable to fulfill your request regarding annual membership fee waiver ''. 

I am not asking for a waiver. I am asking them to comply with the terms for cancelling a card within the 45 day window as stated on their monthly account statements. 

I no longer have the card- I cut it up when I closed the account. It is the card ending in XXXX. My identifying information is in the letter I wrote to them, attached. Their case number is on their response, also attached. It is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I received a notice of data breach from XXXX on XX/XX/17. This included accessing supporting documents that may have included my government issued id, home address etc.
Due to the sensitive nature of the information revealed in the data breach, I have requested from all 3 reporting agencies including XXXX remove all of my private information from its and its affiliate servers and anywhere/all places that information is stored. This information, including my name, social security number and accounts are being stored without my consent and to please remove and destroy any and all information immediately. 

They have not complied. 

Sincerely, XXXX XXXX