23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My estranged soon to be exwife filed a bankruptcy that i was not a part of and she used our home that has both our names on the loan an deed without my knowledge or permission. I was never notified of this action by anyone. I found out after i was XXXX. But now Chase is reporting on my credit report that this account is closed even though i am still responsible for the balance and the mortgage payment and i make it every month but i do not get credit for doing so on my credit report. This is a large portion of my credit. On my report they are saying this account was closed on XX/XX/2017 and it may be on her. But it is not cloed on me. I have called them on 5 different occasions just to get told they can do nothing about it. She filed bankruptcy not me but i am being punished and yet if i don't make my payments i lose my home because this account is not closed for me. It is open and i am paying it. I had to catch up back payments to keep from forecloser yet i get not credit for any of my payments it has me in such a way that. After my semi trucked burned my credit score wont even let me get a loan to teplace it. It is about to ruin me because of this misreporting on my credit. It is about to ruin me.
Product: Money transfer, virtual currency, or money service

I am writing to firmly express my concern with Zelle handling of disputes, particularly in light of the recent CFPB lawsuit, highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies my financial institution, and Zelle failed to investigate my claims. They informed me that recovering lost funds was impossible and tracking these transactions were unfeasible. The CFPBs finding indicate that Zelle has not only neglected to protect consumers, but also allowed repeat offenders to exploit the system, leaving userss vulnerable to scams
Product: Credit reporting or other personal consumer reports

Again experian closed another complaint without addressing the issue and giving explanations that are ridiculous
Product: Credit reporting or other personal consumer reports

The unknown credit inquiry that appeared on my credit report is very alarming and concerning. I did not applied to this and did not consented nor authorized this company in pulling up my report, this is really stressful and making me anxious.
Product: Debt collection

I received a letter saying I owed money to XXXX from Allied International Credit Corp. The letter is a SCAM. I do not owe any money to XXXX, I have n't used my XXXX account in 2 years and logged into my account to validate I have a XXXX balance with XXXX. Internet search reveals the same SCAM has occurred several times to other people. This SCAM uses up to date name and address info and comes across as a very real collection letter.
Product: Credit reporting or other personal consumer reports

I am submitting this rebuttal regarding Complaint ID XXXX to challenge the inadequate response I received from Experian. Under the Fair Credit Reporting Act ( FCRA ), Experian is required to investigate and respond to disputes within 30 days. CFPB marked it as " closed '' without resolution. Experian has failed to comply with its obligations under the FCRA. 


Key Issues with Experians Response : 1. Failure to Provide Proof of Verification : Experian claims that the disputed accounts were verified, yet they have not provided any documentation from the original furnishers to support this claim. Per 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( 3 ), they are required to substantiate the information on my report or delete the items if they can not be verified.

2. Incomplete Investigation Process : Experian has not provided proof that they completed the investigation properly or adhered to the legal 30-day timeline under 15 U.S.C. 1681i ( a ) ( 1 ). Without proof of compliance, the disputed items must be removed.

Requested Resolution : I respectfully request the CFPB to ensure that Experian : 1. Immediately deletes the following items from my credit report unless they can substantiate them with documentation : Disputed Accounts and Issues : 1. Dept. of EdXXXX Account Number : XXXX Issue : This account is incorrectly reporting 3 late payments. On my XXXX report, there are XXXX late payments reported. I dispute the accuracy of these reported late payments. Please provide proof of the payment history and evidence of the late payments, or delete this information. 

2. XXXX XXXX XXXX Account Number : XXXX Issue : This account is reporting missed payments. I dispute the accuracy of this claim. Please provide a complete payment history and records of missed payments since the account opened. If you can not verify this, please delete this negative information. 

3. XXXX XXXX. 

Account Number : XXXX Issue : This account is reporting missed payments and late payments. I dispute these inaccuracies and request records of all payments made and any missed payments. If these can not be verified, the negative information must be deleted. 

4. XXXX XXXX XXXX Account Number : XXXX Issue : I never had a contract with this debt collector for this debt. I request proof from the original creditor that this debt collector owns the debt and has the legal authority to collect it. If this proof can not be provided, delete this account from my credit report. 

5. XXXX XXXX XXXX Account Number : XXXX Issue : I never had a contract with this debt collector for this debt. I request proof from the original creditor that this debt collector owns the debt and has the legal authority to collect it. If this proof can not be provided, delete this account from my credit report. 


2. Provides : Documentation from the data furnishers verifying the accuracy of the disputed items. 

A detailed explanation of how Experian conducted the investigation and complied with the FCRA timeline.
Product: Debt collection

DEBT WAS DISCHARGE AND HAVE BEEN HARASSING BY THE COMPANY.
Product: Mortgage

Me. XXXXoper mortgage company has failed to pay my property taxes. I have called me copper 4 times and they had the wrong parcel number. I have provided emails with copies of my tax statement and they still have failed to pay my property taxes. 

I have received a delinquent tax form from my city. Mr cooper said they paid the taxes but could not prove payment and provided the wrong tax amount. 

Mr cooper then told me that the county was responsible for paying the late fees and that I would have to dispute the late fees with my county. 

I then was transferred to the compliant department on XXXX and hung up on while on hold twice. 

Mr cooper is now saying the taxes will be paid 3 months late and I will have to dispute the late fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] [ XXXX ] SSN : [ XXXX ] | XXXX : [ XXXX ] PHONE NUMBER ( XXXX [ all XXXX credit bureaus ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX XXXX Account Number : [ XXXX ] Reason : [ NEED UNWANTED INFORMATION DELETE FROM PRFILE PLEASE ASAP ]
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XX/XX/2023 Experian XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Dispute of certain Inquiries on my Experian Credit Report Dear Experian XXXX XXXX, I am writing to formally dispute inquiries listed on my Experian credit report. Upon reviewing the report received on XXXX XXXX and Experian I have identified several inquiries that I believe to be inaccurate or unauthorized. 

Below, I have outlined the specific inquiries that I dispute along with the corresponding details : 1. Inquiry from XXXX  XXXX Dates : XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX  Reference Number : N/A 2. Inquiry from XXXX XXXX Date : XX/XX/2023 Reference Number : N/A 3. Inquiry from XXXX  XXXX XXXX XXXX XXXX  ) Date : XX/XX/2023 Reference Number : N/A I would like to emphasize that I have not provided consent for these companies to access my credit information or initiate these inquiries. Therefore, it is essential that these inaccurate or unauthorized inquiries are promptly removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed for bankruptcy in XX/XX/XXXX. I was not late on any payments. The bankruptcy was discharge XX/XX/XXXX. In XX/XX/XXXX 15 banks listed my credit as being 90 days late. All banks have corrected or attempted to correct their error. As of today 8 credit cards have removed their negative remarks from my credit but Experian is still reporting me as being late on payments. XXXX XXXX  has informed me that they have removed all negative reporting and the the error lies with Experian XXXX XXXX and XXXX.
Product: Checking or savings account

On XX/XX/2021 XXXX XXXX ( authorized personnel for my account ) got a message for XXXX payment request from XXXX XXXX who is not recognized at all via her XXXX XXXX XXXX around XXXX. She asked me if I know her, I said no. then 1 minutes after one phone call with Chase ID called her and saying " You have an suspected account activity, let me verify who is account holder ''. Then they called to my cell phone and check my name and then address then and ask " code '' to repeat and I gave them the code ( i thought this is the process to verify account holder ''. after that they hang up. I felt something is wierd and check the account on my desktop and found money went out. First {$450.00} and then right after {$1200.00} again. I called Chase and reported Fraud and requested " freeze '' my account. Customer service said go to Branch and report right away. So I went local branch nearby my home and reported Fraud and moved all my checking to saving ( it took almost XXXX hours to get this process done. Very unorganized and service was terrible for protection of customer 's account especially Fraud happening moment. Customer dept said they can't do nothing just go to nearest branch to file claim - I don't understand why they can't do emergency Freeze the account after security check. I lost my {$1700.00} due to the delay of their response. 

Anyway, the branch XXXX claimed a fraud at the branch on same day with me After this fraud, I assumed that Fraud/Claim dept let me know either call or email or USPS mail . Nothing happened, no calls or mails.After I found no depsoit on this matter. I called Early XXXX to find out the status. 
So I called Chase after 3 hours holding, I was able to connected to Fraud dept and they saying my claim was denied because device is using same device of processed happened ( I have no idea what it means still now ). 
So I requested to XXXX phone call and finally I explained what happened and request " reopen '' case. XXXX found some weird suspicious log in attempt on my account and therefore reopened my claim. 

Nothing came ( no email, no calls, no USPS mail ) to me or my house. 
I called again to Customer service and they said my case denied again because, I didn't request reopen case after their notice to me which I didn't get nothing. 
They said they sent mail via USPS. What? 
I never got it. I asked did they send any email or certified mail? they said no. only letter has been sent out. So case is not even reopened and denied. 

I am claiming because it is so unfair and I am the victim of this Fraud and Chase not even try to help or protect their customer. I don't understand what their dept doing. 

This is why I am claimimg. 
Chase need to recover my {$1700.00} fraud.
Product: Checking or savings account

I tried opening a checking, savings account and deposit {$6500.00} check from work at XXXX XXXX XXXX Monday XX/XX/year> in XXXX, Ma. Unable to because ChexSystems came back. I had previous accounts that were closed to inactivity due to incarceration. I don't have access to old phone so can't get into old email or any other old accounts. I called ChexSystems at XXXX on Wed to get problem rectified. The hours of operation say XXXXXXXX XXXX XXXX message says it is closed. I tried using the website www ChexSystems.com and says the URL is not available. I don't know who to contact to get these issues resolved so I can open a checking, savings account.
Product: Credit card or prepaid card

Background : On XX/XX/XXXX, I booked 3 air tickets with Chase Travel. The tickets were on United Airlines with travel dates in the 1st week of XXXX. The cost of the tickets was approximately XXXX Chase Ultimate Reward Points. 
With the Coronavirus impacting travel and United Airlines canceling the flights as a result, Chase Travel sent me an email on XX/XX/XXXX offering an online form to cancel my trip as a means of avoiding long hold times on the phone. The email noted I was eligible to use the form as my travel was within 8-14 days away. 

The problem : I received an email on XX/XX/XXXX stating the tickets had been cancelled, and only XXXX Chase Ultimate Reward points were refunded. When I asked for the difference, I was told the difference was used to settle United Airlines cancellation fees. I pointed out that the email on XX/XX/XXXX stated that if any cancellation fees were to apply, Chase Travel would contact me before proceeding. Additionally the XX/XX/XXXX email stated that Chase Travel would contact me if the Airline offered a travel credit, which I could use in place of cancelling the tickets. I pointed out that Chase Travel didn't contact me for either of these items ( application of fees, travel credit ) before proceeding with cancelling the tickets. 
I contact Chase Travel on XX/XX/XXXX. The agent agreed with me, but had to escalate to the supervisor. I spoke to the supervisor on XX/XX/XXXX, who also agreed this appeared to be a Chase error, and had to escalate further. Finally, on XX/XX/XXXX, the supervisor said Chase had decided that despite the email stating the above mentioned items which indicates an error on their part, they will NOT refund the fees or give me the option to use the United Airlines travel credit.
Product: Debt collection

The individual XXXX lied to me stating that the number he called was my personal number and only one listed he called me at work jeopardizing my job then would not stop and DEMANDED me give him my home phone number or he would keep calling my work number which means I'd get fired. He also admitted he has sent letters and i did not respond so he called this number. I am under NO obligation to respond to his letters.
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX, I deposited {$4800.00} on XX/XX/year> and {$4700.00} on XX/XX/year> from my verified XXXX XXXX XXXX account via external transfer to my Gemini for trading and investing. Gemini told me within XXXX business days my deposit will be available for trading and investing. After the XXXX business day waiting period, I then purchased bitcoin and tried to send my gains to my other personal crypto wallet. When I tried to send my bitcoin to my other wallet I got a message from Gemini app that says error this transfer can not be sent at this time and needs further review from the team. I was promised my money will be available to buy/send within XXXX business days. Gemini already withdraw money from my bank account. I submitted a request to them via email and their support chat. I received a message from them stating that they needed me to take a selfie picture of me holding my Drivers License and a piece of paper with the ticket ID # and date written on it for identity verification. I submitted the picture to them as soon as possible but they still have not gotten back to me or fixed the issue for a few days now. My Gemini ticket number is XXXX. 

Please help.
Product: Credit reporting or other personal consumer reports

Applied for a credit card and a month later I had not received any response from the company and I saw an inquiry from them on my credit report, I called the bank to inform them and they said they would investigate this and a month later I saw another inquiry on my credit report and six months later I still have not heard anything from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$920.00} XX/XX/XXXX XXXX XXXX  XXXX {$5000.00} XX/XX/XXXX XXXX XXXX {$940.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$760.00} XX/XX/XXXX XXXX XXXX {$480.00} XX/XX/XXXX XXXX XXXXXXXX XXXX {$360.00} XX/XX/XXXX XXXX XXXX {$730.00} XX/XX/XXXXXXXX XXXX  XXXX {$460.00} XX/XX/XXXX XXXX XXXX {$840.00} XX/XX/XXXX XXXX XXXX XXXX {$330.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1000.00} XX/XX/XXXX XXXX XXXX - XX/XX/XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Collection is not from orginal creditor. I donot owe Waypoint. I have never heard of Waypoint Resource Group. I never did a contract with them. I have never done any buisness with this company.I have sent them 3 letters certified to validate that I have done any business with them with signature, they have refused to respond
Product: Credit card or prepaid card

1 ) For a debt, I paid a healthcare loan provider ( a bank ) remaining total balance ( {$2900.00} ) on XX/XX/XXXX. 2 ) I had second thoughts, sent email about wanting to withdraw payment and change it to {$2000.00}, and asked how to proceed. I was not contacted about this but noticed payment was processed according to my bank statement showing it was debited. 3 ) I decided to accept this and move on. 4 ) But then noticed I got billed as if payment was not made. 5 ) I called creditor who stated payment was not made and I questioned how that could be when my bank shows it was and I emailed transaction number. I advised that I don't want the money back, to keep total balance payment. 6 ) Creditor then stated that a check was mailed to me and I stated I did not receive it and asked why they would send it twice, via bank and mailing. 7 ) Bank statements were requested to prove that I made this payment and I asked why they claim they send the money back if they said it was not received in the first place. 8 ) After faxing, I called for status update and was told my payment will be returned. I again stated I don't want the money back, just want to end this and close the account. 9 ) They sent me a  check for {$2700.00} dated XX/XX/XXXX and they continue billing and charging me interest stating that I now I owe {$600.00} when I had paid in full on XX/XX/XXXX. During all this back and forth, bank continues billing and charging interest in spite of total balance being paid and debited from my bank and it appears this will continue to add up. 10 ) It seems to me that I'm being swindled. When I addressed their contradictory information, I would not get a straight answer ; they were evasive. When I asked for a name to fax information, they would not provide it. All the above should be reflected in phone conversation records they should provide for all calls I have on my records. An investigation is warranted.
Product: Credit card

I did a balance transfer of {$9500.00} and paid {$280.00}, 3 % of the transaction fee for a 0.99 % interest on {$9500.00} until XX/XX/XXXX, and attached a statement document ( XXXX XXXX ) to support this statement. 

I had an auto-pay set up for an outstanding balance of two payments per billing cycle and forgot to change auto-pay to a minimum balance. The very next month, the credit card company collected half of the balance {$4800.00}, and the second payment for the other half of the statement balance did not go through due to insufficient funds in my bank account due to that the credit card company started charging 22.24 % on the remaining balance. The attached statement document ( XXXX XXXX ) supports this statement. 

For the balance transfer, I am only required to pay a minimum balance and am eligible for 0.99 % interest until XX/XX/XXXX. 

I called the credit card company to return the payment {$4800.00} as I paid a transaction fee of 3 % they said once it is paid it can not be refunded. The credit card company started charging 22.24 % interest on the remaining balance as shown on XX/XX/XXXX statement ( XXXX XXXX ) and until the very recent statement. The credit card company closed my credit card account and other Costco credit card accounts as the payment was denied as stated above.
Product: Checking or savings account

Navy Federal holds funds that I transfer, and as a result, I received multiple overdraft and returned check fees. The timeframe for the fees is between XXXX. They removed the fees from my statement but never reimbursed the fees.
Product: Credit reporting or other personal consumer reports

I sent a letter to all 3 major bureaus demanding that they remove any, and all late payments on my credit report. All 3 agencies received their separate letter on or before XX/XX/2023, 30 days from today. I checked my most recent credit report, and the payments still have not been removed. Per 15 US 1618b - Permissible Purpose of Consumer Report. The law states that ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Product: Credit reporting or other personal consumer reports

I do not have any business nor contract with Lewis McDonnell what so ever. They illegally verified a fraudulent account in order to reinsert it into my credit report after this account has already been deemed unauthorized. This account has an address that is not associated to me in any way and the legally binding ORIGINAL CONTRACT has a misspelled name. I am in no way responsible for this account. This collection agency is disregarding the Fair Credit reporting act completely. Theres no legal way to report an account on someones credit if the name doesnt match nor the address. I have never even lived in the state of Maryland. This company didnt even contact me prior to reporting this false information. If they did I would of easily presented the police report and FTC report filed years ago. I want this erroneous account removed immediately as it is fraudulent and illegally being reported. I have attached the original contract from the creditor and my FTC and police report below.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness.

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