23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Southwest Credit Systems is attempting to collect a debt for XXXX XXXX. I have disputed this alleged debt for several years. I have requested documentation of the debt, which Ive been told is not available. I have not done business with XXXX for well over 10 years, when I terminated services and returned the equipment. Everytime Ive disputed this alleged debt, the collection agency fraudulently reports this as an active account and changes the last transaction date to a recent date. This is adversely affecting my credit status and I believe this is an attempt to extort money I do not owe in order to improve my credit standing. XXXX unfairly accepts these accounts as verified and accurate, without providing information as to how these matters were investigated. Ultimately, the customer is harmed.
Product: Money transfer, virtual currency, or money service

Someone who I thought was a friend was really an online scammer and I sent via PayPal {$30.00} to them.
Product: Mortgage

My mortgage was sold to Specialized Loan Servicing LLC, effective XXXX/XXXX/15. I did not receive the legally required notification from SLS ( only received notice from my prior mortgage company ). Further, after making first payment to SLS and confirming payment cashed, SLS offers NO way for the customer to verify that the payment has been applied as per the mortgage agreement. I need to see that my payment has been applied to my principal, interest, escrow, and see the remaining balance as agreed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted proof to Experian that the date of first delinquency for the accounts I am disputing was XX/XX/2015, over 7 years ago. 
Experian has refused to remove the accounts and instead has allowed XXXX XXXX to re-age the accounts by submitting to Experian a FALSE date of first delinquency. 
I request an investigation focused on Experian knowingly supplying error-laden, unverified credits reports. XXXX and XXXX both removed the accounts in question.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this as a follow up complaint against Transunion. As a consumer protected under the Fair Credit Reporting Act ( FCRA ), I have the entitlement to accurate and current credit information, and I anticipate that my rights will be upheld. I have already made numerous attempts to have these inquiries removed over the past few months, but they persist on my credit file. Once more, I kindly request the immediate removal of the following inquiries from my Transunion credit reports. 

Despite multiple written requests, the unverified inquiries listed below continue to report on my credit report in violation of federal law. These inquiries must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these inquiries, I will take legal action. Please follow the law so that this matter can be resolved as soon as possible. 

This inquiry was not authorized XXXX XXXX XXXX XXXX ( XXXX XXXX ) Date of inquiry : XX/XX/2022 - Please remove it from my credit report. This inquiry was not authorized XXXX XXXX XXXX XXXX ( XXXX XXXX ) Date of inquiry : XX/XX/2022 - Please remove it from my credit report. This inquiry was not authorized XXXX XXXX XXXX XXXX ( XXXX XXXX ) Date of inquiry : XX/XX/2022 - Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute with the three credit bureaus ( Trans Union, XXXX, and XXXX  ) about unverified accounts or inquiries reported on my account. 

I have mailed and faxed the necessary information needed to identify my account their failure to positively verify, through the physical verification of the original signed consumer contract, these accounts has hurt my ability to obtain credit. 

Under the FCRA, unverified accounts must be removed and if unable to provide me a copy of verifiable proof, the listed above credit bureaus must remove the accounts and or inquiries.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill it's legal obligation under the XXXX credit report act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer Financial protection bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer-provided evidence to furnish, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience. Where Experian has neither corrected nor removed disputed items the evidence I provided, causing harm to my credit standing. I'm requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Credit reporting

Experian has a wrong Social Security Number in my file and is not correcting this wrong information. 
I do NOT have a Social Security Number, and I can prove it with a official document issued by the Social Security Administration stating that I was never issued a Social Security Number. 

I have already disputed this information MANY times via fax, telephone and also Postal Service. 
already disputed this information more than 5 times and Transunion does n't take action to correct this!
Product: Debt collection

Wells fargo is trayin to make me Pay for a check that i never deposit into there account And this is the reason why they ofer me a secur crdit card and close IT right away, i belive this is not fare. 
XXXX THE I RESIVE A CHECK FOR A COMPANY Y DO N'T REMEMBER THE CORPORATION, BUTI BELIVE THAT WAS A SCAM, I ASKEF THE TELLER AND SHE SNACHED THE CHECK OUT OF MY HANDS AND SAID THIS IS VOID CHECK, BUT STILL DEPSIT IT ANY WAY, DID NOT GAVE ME CKECK BACK FOR ME TO DESTROY AND STILL DEPOSIT ANY WAY. THANK YOU FOR YOUR TIME AND CONCERN REGARDING THIS MATTER.
Product: Debt collection

Hi. 
I do not owe money to anyone. I received an attempt to collect a debt I have no information about it. Just a letter no information or description or who it is. 
This looks like an scam
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company is Dovenmuhele that I'm complaing about. So I was out of work due to a back injury and placed on short term XXXX which was a huge decrease in pay. I as well had a severe case of covid that caused loss of income. I immediately contacted my house for a program through loss mitigation in XX/XX/XXXX. We constantly sent in stuff and begged for assistance this entire time. They finally offered us a modification in XX/XX/XXXX. So we stayed an active case in loss mitigation this whole time. In XXXX, XXXX and XXXX of XXXX we began the trial period for the modification with all payments needing to be on time. We then completed that and had no payment in XX/XX/XXXX, as the new loan was starting XX/XX/XXXX with the new payment amount. During this time several customer reps and supervisors stated they couldn't report late and they did. They promised to remove them once we completed the trial period and turned in our notarized paperwork. We did this and none of the lates were removed. Also, they then reported XXXX, XXXX, XXXX and XXXX late. If we would have paid late they would have kicked us off of it. We have proof they were paid on time. We have several emails and letters sent to the company and they never do anything about it and say no it's right. But several other lenders stated during loss mitigation they can't report late as we reached out to other companies to see what they said about this and loss mitigation told us that as well. They have destroyed my credit while I was in an active loss mitigation case. This shouldn't affect me as it took them so long to get stuff on their end together to work up something for us. It was ridiculous!
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed 2 accounts on credit file XXXXXXXX XXXX and XXXXXXXX XXXX XXXX These accounts are not mine I have disputed account with both the companies and with credit company neither are or have taking this matter seriously
Product: Money transfers

Paypal has repeated charged my bank account/credit card without authorization. 

I made purchases on ebay with ebay giftcard paying the full balance. On the checkout screen it was clear that the ebay giftcards I used was paying the full amount of the transaction. However 1 ) XXXX/XXXX/2016 My bank account ending in XXXX was charged by Paypal for {$100.00} for a transaction that was paid in full with a ebay gift card 2 ) XXXX/XXXX/2016 My bank account ending in XXXX was charged by Palpal for {$0.00} for a transaction that was paid in full with a ebay gift card 3 ) XXXX/XXXX/2016 My credit card ending in XXXX was charged by Paypal for {$0.00} for a transaction that was paid in full with a ebay gift card 4 ) On approx. XXXX/XXXX/2016 Paypal took {$75.00} off my ebay gift card # XXXX without leaving any record. 

I have contacted Paypal many times and never got a clear response on issues involving ebay gift card. Ebay claimed there was not enough balance on my ebay gift card, which was why my bank account/credit card was charged. This was clearly not the case in none of these incidents. My ebay giftcards had enough balance to cover the transaction, as was shown on checkout screen before I confirmed the order. 

In incident XXXX XXXX taking money out of my ebay giftcard with no communication is an act of fraud. 

After some research on the Internet I found out similar things happened not only to me, but a lot other ebay/Paypal customers. 
XXXXSiteSearch Attachment shows the balance on the ebay giftcard involved in incident XXXX clearly there was more than enough balance to cover the full amount of the transaction. 

The case ID at Payapl # XXXX
Product: Mortgage

I was under contract for a property at XXXX XXXX XXXX XXXX Pennsylvania. My real estate agent was XXXX XXXX with ReMax and the selling agent was XXXX XXXX XXXX XXXX - XXXX XXXX  XXXX and the title/escrow company is XXXX XXXXXXXX XXXX XXXXXXXX with XXXX XXXX as the point of contact. 

I sent my deposit in within 5 days of the contract date as instructed. Contract date was ratified on XX/XX/XXXX and the deposit of {$5000.00} was wired. Throughout the process, we were trying to get my approval for the mortgage, but since I am self employed the Debt to Income didn't work out and I was unable to obtain the mortgage. I attached below a document proving I was denied on XX/XX/XXXX which is prior to the contingency end date. 

We tried to get my loan to go through a bunch of different ways and the agents knew about this in full detail. 

I have not received my deposit back, neither agency will return any of my countless emails, calls, etc. This is is extremely unprofessional and unethical as they would call me constantly when it looked like they were going to make money off of me, but now that I need assistance with getting the money back ; which I am legally owed per the contract and the denial date, no one is communicating or helping me at all besides the lender. And I know they don't have control over this specifically, but they have tried to help and again to no avail. 

I didn't want things to come to this, but something needs to be done. I don't think a phone call is too much to ask for and legally since the money should be returned to me, i don't see why they are avoiding this situation. 

Lastly, I have been living out of a motel costing me {$130.00} per night ; which the agents knew about since I sold my home back in XXXX. So this has incurred many additional expenses and I need to figure out how to move on.
Product: Debt collection

To : The Office of Registered Agent for Credit Collection Services XXXX XXXX XXXX XXXX. 
CT XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX NC XXXX From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX XXXX is authorized to administrate ( acting trustee ) on the XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and the original creditor, bonds, the original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX XXXX XXXX private medical information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 

I have the right to request this information due to the freedom of information act & equal opportunity act. 

The consumer disputes this debt and ALL claims in accordance of 16 CRF 433.2, Title 15 USC 1692, Regulations Z, Regulations M and ALL applicable UCC Articles. 

If you lack understanding of this paperwork, forward to your ATTORNEY.
Product: Money transfer, virtual currency, or money service

Hi, I 'm XXXX but i 'm a customer of a US-based company, so i contact you. 

I 'm a customer of Coinbase, a crypto-currencies wallet company. I sold BTCs the Saturday, XX/XX/XXXX off the blockchain ( direct trade between Coinbase and me ), the BTCs were instantly taken out from my BTC Wallet but Coinbase is tiding up my money since 3 days as they DID NOT added the amount to my EUR Wallet ( euros wallet ). The transaction is still pending while marked as " ARRIVES SATURDAY XX/XX/XXXX '' ( see screeenshots attached ). We 're the XX/XX/XXXX. As each transaction is, i think, not confirmed manually, it means Coinbase is retaining my money on purpose. This is a fraud. 
It is unacceptable for a US-based company and i 'm sure the authorities are doing their work fine. That 's why i 'm adding my complaint to, i think, plenty others. 

Thank you.
Product: Credit card or prepaid card

Chase bank refused to allow me to record a phone call, while they themselves had already announced to both parties that the call was being recorded. 

When calling to dispute a separate issue ( already filed with CFPB ), I attempted to record a phone call ( after announcing myself, which was not required on my behalf per state law. ) when I felt I was being discriminated against, and treated poorly. 

Per Washington state law, I had every legal right to record this phone call. And, again, Chase was already recording it. 

Chase denied me my legal rights as a resident of Washington state, to record phone calls with proper announcement/consent. 

Chase denied me this legal right, in my opinion, to suppress any investigation by myself into their deceptive, predatory, unfair practices.
Product: Credit reporting or other personal consumer reports

I am writing to request a reinvestigation of the information contained in my credit report in accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information. I recently reviewed my credit report and wish to ensure that all the information is 100 % correct and accurate. 



Below are the accounts I am requesting to be reinvestigated : Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX
Product: Debt collection

This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. 
Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to block and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four ( 4 ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : PRO COLLECT ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  XXXX ) XXXX {$2800.00} Date Opened : XX/XX/year> Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. 
Ceaseanddesistasap
Product: Checking or savings account

I have had a previous issue with this company in regards to the amount of {$5500.00} being taken out of all of my account without my knowledge or my permission that incident happened on XX/XX/XXXX of 2024 after many phone calls with chime customer support and also filing complaints with the CFPB complaint id # XXXX and with the BBB the matter was resolved. On XX/XX/2024 I received an email which I have provided in the documents stating that a credit in the amount of {$5500.00} has been issued to my account. Upon looking at my account a total of XXXX of the XXXX transactions have been credited back to my account totaling {$230.00}. Since the date of XX/XX/2024 I have been in contact with the chime dispute department nine times asking for reasons that the entire amount has not been refunded.i have received answers such as they are having computer problems and i need to call back at a later date. I have also been told that the original i dispute filed with the company about not receiving the full amount of my credit has be escalated 4 times included i have submitted pictures of the email and also the daily history of my account including the money that was credited to me
Product: Checking or savings account

I would like to ask about my payment from city bank to my XXXX XXXX More than 7 time I make payments from city bank to my XXXX XXXX and the payment is not go through even I have some thousands in my city bank and when I call city bank and contact with XXXX XXXX city bank sad yes he do have enough funds and I ask how much money I have most of the time some thousand and my payment is some hundred My XXXX XXXX refuse to increase my limit becouse its show in XXXX XXXX side I dont have enough funds ( I dont haven enough money ) 1- why 2- how city bank can fixes this mistake When I call city bank they sad we sorry 3- all the call it was 3 in one city bank and XXXX XXXX and me in one call 4- city bank they chose slots of mistake 5-city bank cant clearer my name with XXXX XXXX 6- XXXX XXXX that not approved me and I will never have a good relationship with XXXX XXXX 7- you can go back to your recording line and listen to conversations 3 in one me and city bank and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts do not belong to me : XXXX XXXX XXXX   XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX # XXXX account number unlisted Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account
Product: Mortgage

My Loan Servicer JG Wentworth did not pay my property taxes at all. Payment was due XXXX XXXX and penalty was due if taxes were not paid by XXXX XXXX. As of XXXX XXXX, the property tax is still unpaid. My escrow account information still shows the full balance.