23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XX/XX/2018 I had my credit report run for a rental application. XXXX   stated that I have too many accounts open and the balances on those accounts are TOO HIGH. 

However when I called XXXX they agreed that I only have 2 open accounts with low to no balances. They were not sure why they reported that I have Too Many open accounts with High Balances on them. It was a very hard and long process to talk to them, they asked rediculous security questions ( if I have paid off my account in full, what would be the balance? XXXX Dollars. That is correct, you have passed the security tests only there were several questions like that ). I also tried to submit a dispute on their website but their site had several problems to which they told me that they are having technical difficulties with their website. The person on the line was difficult to understand and was unreasonable. I was told that companies are running soft inquiries on me, without my knowledge or consent and it is up to me to contact all of these unknown companies and ask them to submit letters asking XXXX to remove their information. This is impossible. ( Just paraphrasing the conversation I had on the phone with XXXX ). On the phone they agreed that I do not have multiple open accounts with high balances, However this is the information that XXXX provides in the report. They suggested that I contact the company that ran the report and tell them to stop reporting wrong information ( when in fact it is XXXX that is reporting the wrong information not XXXX XXXX in XXXX XXXX CA ).
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
XXXXXXXX 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: Money transfer, virtual currency, or money service

I opened an account in paypal. My business going well first paypal hold my all money by the reason of inconsistent payment and said it will be added in 21 days. And now they have permanently limited my account and hold my money almost XXXX $ in their account. Now they are saying that i have to wait for 180 days and i don't even know that what wrong i have done. I contacted paypal but they didn't reply me. 
I am attaching that mail they sent me
Product: Credit card

Introduction This report outlines a series of fraudulent activities involving my financial accounts, the steps taken to resolve these issues, and ongoing disputes with financial institutions. The incidents began with a phishing text message that led to unauthorized charges on my credit cards. 

Incident Overview XXXX XX/XX/XXXX, I received a text message purporting to be from U.S. Customs. The message stated : " You have a XXXX parcel being cleared, due to the detection of an invalid zip code address, the parcel can not be cleared. The parcel is temporarily detained ; please confirm the zip code address information in the link within 24 hours. '' The message included a link to a website and instructions to confirm my zip code. Trusting the message, I entered my XXXX and XXXX credit card details. 

Unauthorized Charges On XX/XX/XXXX, I discovered unauthorized charges totaling {$3000.00} on my BILT account, attributed to purchases from XXXX XXXX and Coach. I promptly reported these transactions as fraudulent and changed my account details on XX/XX/XXXX. 

In the following days, I noticed additional unauthorized charges on my XXXX card, amounting to approximately {$3000.00} over XXXX days, including transactions at XXXX and an XXXX bookstore. The last transaction was an XXXX XXXX purchase at XXXX. Upon reviewing my account, I identified more suspicious charges. 

Actions Taken Reporting Fraud : I reported the fraudulent activities to both XXXX and Wells Fargo. 
XXXX resolved my issue after I submitted a complaint to the FBI regarding the cybercrime. 
Disputes with Wells Fargo : I created more than five fraud and general dispute claims with Wells Fargo. 
Each claim was met with delays and a lack of resolution, as the bank transferred me between departments without providing assistance. Notably, Wells Fargo lacks a dedicated cybercrime department, which has severely hindered their ability to address my claims effectively. 
Their security team has been unable to trace the issue, leaving me in a vulnerable position. Instead of taking responsibility for the fraud that has occurred, they are demanding payment from me, a working-class individual, for charges that I did not authorize. 
Current Status : As of now, I am facing demands from Wells Fargo to pay the {$3000.00} in unauthorized charges. They have indicated that failure to comply will result in high-interest penalties being applied to my account. 
Conclusion The series of events highlights significant vulnerabilities in the protection of personal information and the challenges faced in resolving fraud disputes with financial institutions. I am currently seeking further assistance to address the ongoing issues with Wells Fargo and ensure that my rights as a consumer are upheld.
Product: Credit card or prepaid card

In the month of XXXX, a credit card I don't use ( almost ever ) had a statement sent out with a bunch of XXXX charges that I did not make. 

I contacted indigo regarding this to report the card compromised/stolen and have a chargeback completed, I also let them know I would like to cancel this card as I've found cards which offer more/treat me better etc. 

After quite a bit of back and forth with the agent trying to get me to stay, they did finally agree to cancel the card. 

Unfortunately I have now received another statement and see the website is claiming I am past due, the company charged me an annual fee after I had requested to cancel and is now trying to charge me late fees for the annual fee when this card should have been closed with a {$0.00} balance a few months ago. 

I am worried this will damage my credit erroneously and would like the company to close this card with the {$0.00} balance I have earned as well as ensure my credit reporting is unaffected by their error.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been violated and have not been able to get credit. This has caused me very much hardship in my daily life because of this reporting. according to 15 USC 1681a to exclusion a credit report does not include report containing Solely transaction and experience between the consumer and the person making the report. 15USC 1666b also states that if a open ended consumer credit plan provides a time within which an obligor may repay any portion of the credit extended without incurring an additional finance charge such additional finance charge or penalties may not be imposed. 1026.13 also states that a reflection on or with a periodic statement of a extension of a credit is not made to the consumer or to the who has actual implied or apparent authority to use the consumers credit card or open ended credit plan. Please update the following accounts to PAID AS AGREED or I will be forced to seek legal action with remedy of {$1000.00} per violation XXXX XXXX XXXX XXXX  XXXX XXXX Both of these accounts are showing misleading info and needs to be updated
Product: Credit reporting or other personal consumer reports

There is a mortgage on my credit report from my Ex-spouse. I have provided documentation to both Transunion and XXXX proving this. They refuse to remove it from my credit report. Previously companies have honored the court order and removed it anytime it has surfaced through sales/transfers of the loan ( not in good standing ) This company refuses to do so.
Product: Debt collection

VALIDATION AND CEASE AND DESIST Spring Oaks Capital LLC XXXX XXXX XXXX XXXX, VA XXXX Account # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX Dear Debt Collector, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Debt collection

Upon checking my credit report I noticed that a collection agency by the name of BYL Collections Service had reported a debt in the amount of {$6100.00}. On XX/XX/2018 I sent a direct dispute to this collection agency requesting Validation of the debt with an original contract bearing my signature and a agreement with the creditor that authorizes them to collect on this alleged debt, complete payment history and proof that this agency is licensed to collect in my state. I received a letter dated XX/XX/2018 but not mailed until XX/XX/2018 labeled as " debt verification letter '' showing no contract or anything for that matter with my signature on it but a list of charges totaled at {$6100.00}. On XX/XX/2018 I sent BYL collection services another certified letter stating again to send me validation of debt and original contract bearing my signature by XX/XX/2018 which they have still failed to do and if they could not do so completely delete and remove this collection from my credit file with XXXX, XXXX and XXXX XXXX. I have the right to obtain validation of debt under the Fair Debt Collection Practices Act ( FDCPA ) and this company has failed to provide me with that. After sending them the second letter on XX/XX/2018 I have not heard anything from this company but the information still remains on my XXXX and XXXX XXXX credit file. They were not able to validate the account with XXXX   and therefore was deleted.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, and XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

I have already disputed these items under sec. 609 of FCRA, but the bureaus did not remove them, nor prove validation.

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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

World finance is not showing the account number. therefore it is incorrect information and under the Fair Credit Reporting Act I need these removed from all of my credit reports.
Product: Checking or savings account

From 2019 until currently have been over charged fees.
Product: Credit reporting or other personal consumer reports

I came across the CFPB XXXX lawsuit. 
I feel i was negatively impacted by Equifax hurting my chances at credit after receiving a response to my earlier dispute that the accounts were " verified ''. 
But i don't see any details about your investigation.

A fine will be applied soon if proper investigation is'nt applied too.

Please provide details to investigation or delete accounts.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding the unresolved disputes I have raised with TransUnion, XXXX, and XXXX regarding inaccuracies on my credit report. Despite my efforts to rectify these issues, it has now been over 30 days without any response from your agencies. 

Enclosed are copies of the dispute letters previously sent, highlighting the violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), specifically : Failure to mark disputed accounts as such, as required by FCRA 623 ( a ) b ). 
Incorrect reporting period under FCRA 605 ( c ), reflecting the date of last activity instead of the last payment date. 
Continuous failure to validate collection accounts, a violation of FDCPA 809b per the FTC opinion. 
In light of these violations and the potential impact on my financial standing, I am requesting the immediate removal of the disputed accounts from my credit report. 

I expect prompt action from your agencies to rectify these inaccuracies and provide written confirmation of their removal at the earliest opportunity. 

Failure to comply with this request will leave me no option but to pursue further legal action to protect my rights. 

Please acknowledge receipt of this letter and provide a timeline for resolution. I am available for any further communication at the contact details provided above. 

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

This case involves alleged debt i Received a letter from RESURGENT stating I owe XXXX. I requested RESURGENT show me the legal right they have to collect. I would like to see a contract documentary evidence stating this is my debt. With my signature and validation I would also like to know who gave RESURGENT my address and jurisdiction on this alleged debt. I am also requesting certified copies of signature contract between RESURGENT and XXXX XXXX, ( me ) if this information is not complete and provided this information should be closed zeroed out and updated in good standing. 

RESURGENT violated my consumer rights by stated I owed debt the law below states Im not responsible for alleged debt. I provided exhibits stated I owed nothing validating this debt. 

I dispute this alleged debt and all claims in accordance of 16 CFR 433.2 title 15 USC 1692, Regilatikns Z Regulations M and ALL applicable UCC Articles. 

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

Multiple Credit Inquires with no permissible purpose on my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX ATTN : I am reaching out to your company because there are fraudulent inquiries on my credit report.

Pursuant to 1681b Permissible purposes of consumer reports I also never gave you any written consent to report anything on my consumer report.

By law these inquiries on this letter must be deleted immediately Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.

No consent is IDENTITY THEFT! 

XXXX XXXX Inquiry : XX/XX/XXXX XXXX/XXXX  Inquiry : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and is inaccurate or incomplete. I am requesting that the item be investigated to correct the information Below is the item : XXXXXXXX XXXX XXXX
Product: Mortgage

Subject : Formal Complaint Regarding Inaccurate Information and Lack of Resolution Dear LoanDepot Customer Service Team, I hope this email finds you well. I am writing to express my profound frustration and disappointment with the handling of my case by LoanDepot. This marks my sixth complaint letter, and despite my best efforts to resolve the issues I have encountered, I have seen no satisfactory resolution. 
In XXXX, I believed that we were on the verge of closing this case as I perceived that it had consumed a significant amount of time and energy, only to have my suggestion for closure rejected by your team. Despite your consistent reassurances in your responses that you value conducting thorough investigations, it appears that my concerns and questions have not been adequately addressed, as evident from your latest response. 
This is another evidence how your team used inaccurate information and lack of resolution. In a response from your XXXX XXXX dated XX/XX/XXXX, several serious errors were identified : 1. My name was misspelled as " XXXX. '' XXXX. The salutation " Dear XXXX XXXX '' was used, reflecting an incorrect gender reference. 
3. An inaccurate citation was provided on the second page, stating, " on XX/XX/2022, LoanDepot conditional approved .... '' I would like to emphasize that I had no application with LoanDepot on XX/XX/XXXX. 
These three errors raise significant doubts about the thoroughness of your investigation and the level of attention dedicated to my case. Should you not consider offering an apology for such inaccuracies? 
ALSO, please response me how/what my information has provided to your external counsel? How your external counsel retain my privacy data?

I kindly request that you revisit my case and provide me with a comprehensive and accurate response, addressing these issues. I believe that rectifying these discrepancies is essential to achieving a fair resolution to my concerns.

I am hopeful that LoanDepot can rectify these issues promptly and in a satisfactory manner. I eagerly await your response and look forward to a more thorough investigation into my case.

Loan Depot should be aware that the 15-day response requirement is a basic requirement of the CFPB. However, based on the historical response times, it's clear to see whether you respect this rule or not. It's evident that in my cases, you have not adhered to this rule. 
Sincerely, XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I am a XXXX veteran with XXXX that required money at my loan inception. I felt like I was tricked into signing up for optional products : OneMain led me to believe that I could not receive a loan without signing up for an add-on product. I was told the add-ons were mandatory and came as part of my loan. I again asked if I could remove the add-ons but was told it wouldnt be possible. My loan was originated in XXXX, California in around XX/XX/2019 and renewed in XX/XX/2019.
Product: Checking or savings account

My father XXXX XXXX XXXX passed away in XXXX I was told he had opened a cd account in my name XXXX XXXX. And I need to know if there's any other accounts in my name.and I need to know all the activities on the accounts. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has failed to remove information that has had a material impact on myself after repeated requests to do so, and furnishing them with the requested information beyond what has been requested. 

I ask that these requests be honored, otherwise, other agencies, federal, state, local, XXXX, civil rights, state Attorney XXXXenerals, and other may be contacted to correct the information or otherwise forced to do so in a court of law with a favorable ruling by a the presiding Judge.

The information listed is inaccurate, incorrect, done without my consent, permission, or authority, and I was otherwise unknown of the severity of the situation. 

Remove all requested information.
Product: Credit reporting or other personal consumer reports

I've been a victim of identity theft due to the Equifax data breach, and I never authorized them. 
XXXX XXXX Balance Owed : {$210.00} XXXX XXXX XXXXXXXX Balance Owed : {$180.00} XXXX XXXXXXXX Balance Owed : {$5500.00} XXXX XXXX XXXX XXXX Balance Owed : {$9600.00} XXXX XXXX XXXXXXXX Balance Owed : {$100.00} XXXX XXXX Balance Owed : {$0.00} DP OF EDUC XXXX Balance Owed : {$2300.00} DP OF EDUC XXXX Balance Owed : {$1800.00} DP OF EDUC XXXX Balance Owed : {$2100.00} DP OF EDUC XXXX Balance Owed : {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Mortgage

RE : Property Taxes For years, I have received a check made out to me and my municipality to pay my property taxes. I take that check, physically walk it in to XXXX XXXX and either pay the difference or they will send me the remainder. 

On XX/XX/2024, I sent a message to Freedom Mortgage asking where the check was as I had not received it. I was told that they sent it directly to the city on my behalf, which was news to me. I looked at my account and there was a tax disbursement from my escrow account for {$5800.00} in XXXX of XXXX. I assumed this went to the city. 

In XXXX, I received a delinquency notice from my city that property taxes have not been paid and there was a penalty on my account. I spoke with my municipality and was told there was no payment made for my property taxes and no funds received. I informed Freedom Mortgage of this XX/XX/2024. I spoke with Freedom Mortgage and they said they would reissue my tax payment. Another payment of {$5900.00} ( actual property tax bill amount ) was paid and issued to the city + another {$170.00} pulled out for the late penalty. I called my city and they verified this had been paid. 

I then received a letter from the mortgage company stating that my escrow account was short and they would be raising my monthly payment by over $ XXXX to pay off the shortage starting XX/XX/XXXX XXXX. The problem is that there is no shortage, they pulled funds twice from my escrow account and didn't put the first payment back in! So it is showing that I paid almost {$12000.00} in property taxes on my ~ {$6000.00} bill. 

I then called and spoke with Freedom mortgage on XXXX on XX/XX/2024. I explained the situation to multiple people who said they would escalate this to the tax team, research team, and refund team and that this would be resolved by XX/XX/XXXX. 

I called back again on XX/XX/XXXX, after not hearing from anyone by the XXXX. There was no record of anything being done, this being escalated to any team, or even a supervisor assigned to my case. 

I did receive a call back from a supervisor on XX/XX/XXXX that they are escalating this to the tax team, research team, and refund team. This is exactly what they said was going to happen almost a month earlier. 

Today I received a message from Freedom Mortgage that the payment of {$5900.00} was confirmed through my XXXX and that my taxes are current. This was never the issue! The issue is that they stole about $ XXXX from my account, won't give it back, charged me for the delinquent penalty that they caused, won't acknowledge their mistake, and are raising my monthly payment by over {$500.00} for no reason! 

I don't want to have to get a legal team involved but this has been going on for 3 months. I just want MY money back in MY escrow account.