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

I have know that I had Identity theft some time in XXXX and I filed a police report on XX/XX/XXXX. I have sent it to XXXX  5 times now and they have taken some of the Items off and some remain. They made me fill out a FTC Affidavit which I did and sent to them recently and they took all the items off ( XXXX XXXX XXXX XXXX {$2500.00}, XXXX {$480.00}, XXXX {$480.00} same one 2 times and XXXX {$1300.00} ) I have had cars loans on there and one of the worker let it be know that they know when they let a collection agency put a previously deleted item back on your credit report with a brand new date and account number ... What really. What a bunch of XXXX   because they want you to buy their premium services for XXXX a month. This is so wrong I want someone to hammer The Corporations XXXX!!! They have done this to me for years and I could never figure out when I made XXXX a year that my credit was just ok. Please help me this is even worse due to the breach by Equifax in XXXX I was effected again. I still can't get on line with Equifax to this day because of the Identity Theft??? they ask me!!!
Product: Debt collection

This debt was reported as unpaid on my credit report and was already paid to the original debtor. Called to have it removed and or updated and the person I talked with became very rude. This was reported after the account was paid in full
Product: Mortgage

XXXX XXXX XXXXXXXX sold my loan and transferred servicing to Shell point mortgage on XX/XX/year>. Shell point mortgage has never contacted me or told me how to pay them or provided proof they owned the loan. They have committed many Respa/dodd Frank violations and need to be held responsible.

I also need them to contact me and provide me instruction on how to pay them as they took over servicing of my loan 20 days ago and I have heard nothing. My mortgage payment is now late. There should be no negative credit marks on my credit report as well.
Product: Checking or savings account

I hoped I picked the right section to make this complaint in. Here 's my situation. 

On Monday XX/XX/year> I noticed some transactions on my bank account that weren't made by me. I called capital one and explained the situation to them, They credited me back the money while they investigated the disputed transactions and sent me a New debit card.

Their we're 4 transactions.While the investigation was going on i contacted some of the companies and was able to get refunded, the other company said they already shipped the items and couldn't do anything. 

Pirate ship : ( XXXX ) refunded me XXXX  XXXX : ( {$190.00} ) refunded me XXXX  XXXX : ( {$120.00} ) not refunded XXXX : ( XXXX ) couldn't contact So today I just an email about the outcome of the investigation : XXXX : Approved XXXX XXXX : Issue resolved with merchant XXXX XXXX : Denied Our review of internal systems and information provided by the merchant shows the transaction is valid.

While the first 2 I agree with, the 3rd one is what I have the issue with. 

I'm not sure how they came to this conclusion if they investigated it. 
I didn't make this transaction. 

I have evidence that I didn't make it I contacted the company and was able to get the order number. The delivery address isn't mine nor is the email on the order. 
( I've attached a picture of the transaction. ) I could have provided this information to them if they asked but I was never contacted before they made a decision.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under 15 USC 1681b - Permissible purposes of consumer reports ( 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 PER the consumer to whom it relates. XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX, XXXX  XXXX  OF AZ PROF CORP, never gave XXXX, XXXX, or XXXX written consent FROM MYSELF to report anything on my consumer report, No Consent is IDENTITY THEFT. Concerning the account listed below as a consumer I Am demanding a deletion of all account as it relates, Immediately. I, XXXX the executor, have a legal right and security interest, under federal law ( 49 USC 14301, UCC 9-317,12 CFR 1026.23 ) to cancel this transaction, only collecting the proceeds not assets, without any penalty or obligation from the above date or any later date on which all material disclosures required under the truth in lending act have been given to you.When canceling this transaction any lien or other security interest on my property arising from this transaction is automatically void. I am also entitled to receive all proceeds of which this account is owed. In addition These accounts have not been validated and must be removed pursuant to FDCPA, FCRA and Federal laws.
Product: Consumer Loan

I disputed this account via the XXXX, XXXX and XXXX. GM Financial verified my social security number with the credit bureaus but has not validated the debt. GM Financial has not validated this debt or any corrected the many inaccuracies that they are currently reporting. In fact, I do not nor ever have entered into a financial agreement with GM Financial. They have not provide their " chain of assignment '' either. I am attaching a detailed letter that GM Financial needs to address promptly.
Product: Credit card or prepaid card

Called on XX/XX/XXXX to report fraudulent transactions from XX/XX/2022 on credit card. 

Multiple charges for airline tickets, rent, XXXX XXXX totaling around {$4500.00}. Was told the charges would be removed and an investigator would contact me via email or letter. 

I have received no communication since that call. The charges are still there and accruing interest on my card which TD Bank is charging me late fees for.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Experian online account has been hacked. The recovery email attached to my account is NOT my email address and I can not get into my account to lock my credit. Nor can I change the password as the recovery email address is NOT mine. I have attempted to contact Experian on multiple occasions, spending hours on the phone trying to get to a live representative to correct and report this issue. All the phone numbers I have been give are automated and have no choices to resolve my issue. I just want to talk to a person to find out what is happening and how to get it fixed so I am not vulnerable to fraud. I received an address to send paper documents but the documents they want have all my very personal information and I do not feel comfortable or confident that this company can protect my private information when they can't protect an online account or have customer service available to resolve other issues. 
I need to get this account secure again and Experian has offered me no viable or safe options to do so. Experian released my credit information to an unknown source not requested by me because of this issue. I was able to lock and be protected by the other 2 credit reporting companies.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C. q681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Money transfer, virtual currency, or money service

I wanted to buy a jewelry online, the seller contacted me and stated the piece is for sale. They accept XXXX  When i entered the email it did not show if the address is verified so I assume d XXXX can not use unverified addresses. I sent {$170.00} via XXXX  with the thoughts if it would be a scam I can stop payment immediately. In 3 min after I paid the real owner of the site contacted me and warned about the scam. I contacted PayPal immediately to request stop transaction. I didnt find even a link to stop the authorization. I wrote the dispute ( what was the only option to contact XXXX ). The next morning I received an email XXXX sent money and is unable to stop authorization since it was Family and friends money transfer. 
I did not check the option family/friends as there were no even other options. There were no option to apeal the dispute decision. I was trying to contact XXXX and put two requests for the representative to contact me, no one responded for 2 days. I would like to get my money back
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. I disputed accounts on XX/XX/year>. They came back as verified as accurate on XX/XX/year>. I sent a request to investigate and provide me with the process they used and how they verified as soon as I got the results. Experian sent out a letter and updated report with disputed items verified as accurate. No information on a reinvestigation and process used to verify anything. ( Letter attached. ) my second request to them demanding them to investigate was ignored. I never received confirmation of anything. Just the verified as accurate on XX/XX/year>. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, 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. ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, 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 despite the evidence | provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. I would also like compensation for violating my rights. Attached I have letters requesting a reinvestigation which experian has ignored 2 times. Please see attached letters!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am making another report towards XXXX, Transunion, and XXXX in reference to XXXX XXXX BANK account number ending in XXXX. I am a natural living person writing this account!! I have been making multiple disputes because these credit bureaus have been violating my rights and preventing me from getting a mortgage to have a better living situation. 
This account was sent to collections without my knowledge which is completely unfair and discredits my character in making on time payments. 
This account has been reported inaccurately as closed on one credit report and still open on two credit reports, I have disputed this inaccuracy multiple times and none of the bureaus investigated properly to fix this which AGAIN violates my rights under the Fair Credit Reporting Act.

The Federal law 15 U.S. Code Subchapter III CREDIT REPORTING AGENCIES 1681i - Procedure in case of disputed accuracy states 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate
Product: Mortgage

I entered into a contract to build a new home with a builder starting in XXXX of XXXX, with our last change request being dated XX/XX/XXXX. I am currently on title to the property and also am carrying the construction loan through a local bank. Knowing that my home was on schedule to be finished, I started to inquire about interest rates in XXXX starting first with my construction lender. They had completed an appraisal on the home at the time of constructionand also were familiar with how to process and underwrite a long-term loan that pays off a construction loan. Based upon their rates, I decided to inquire with Navy Federal Credit Union. I was excited about the rate program and was confidentwith the conversations I was having with the mortgage lending team and thus I appliedfor the loan. Over the last 30-days, the confidence that I had has been shattered due mostly to an appraisal situation. Understanding the value is subjective, I realize that I can't make any argumentswithout supporting data and thus, I sought advice from local lenders and appraisers to ask what I should do. I won't waste your time in explaining everything that has happened up to this point. What I would like is a conversation with someone that understands XXXX guidelines and procedures. The reason for this is that based upon my research, I believe that there are at least 3 XXXX violationsthat directly relate to the appraiser 's ability to establish a value on my home. The most obvious being that the appraiser doesn't reference the current contract or the fact that the property sold within the last three years. There are also additional comps that have not been considered. At this point, I am not confident that Navy Federal is looking out for me as a consumer and is forcing me into a higher interest rate situation because of their lack of openness to an educated and open discussion. This is very frustrating to me and my family because while making this commitment to NFCU, interest rates have increased and so my option to lock in the fixed rate that I could've taken in XXXX is also no longer available. 


Why exactly can't I have a reasonable discussion with a decision maker who is versed in appraisal guidelines? I would like a reconsideration of value based upon the deficiencies found.
Product: Consumer Loan

Something needs to be done about this dishonest company -- Elevate. Consumer has filed a previous complaint, but this company lies and deceives to the point where no consumer agency has figured this out. Company is reporting that I am 30 days late when the payment was due XXXX XXXX, XXXX with an extension to XXXX XXXX, XXXX -- due date every month is the XXXX with a 7-day extension option. According to a letter dated XXXX XXXX, XXXX from XXXX, XXXX is reporting a XXXX late. This is in retalitation of the complaint I have made with this agency and a state agency. Elevate is, knowingly, reporting incorrect information to XXXX in violation of Fair Credt Reporting Act. I have called Transunion several times to dispute the balance on this account, and now this bogus 30-day late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from 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 Balance : {$6800.00} ; XXXX XXXX XXXX Originalcreditor : ( XXXX XXXXXXXX XXXX XXXXXXXX XXXX. ) XXXX Balance : {$920.00} ; XXXX XXXX XXXX XXXX Balance : {$5800.00} ; XXXX XXXX XXXX XXXXXXXX : {$1000.00} ; XXXX XXXXXXXX XXXX : {$1700.00} ; XXXX XXXX XXXX Balance : {$1700.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX CA XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX and Transunion are reporting incorrectly a charge-off in the amount of {$7100.00} on the XXXX XXXX account number XXXX. ( Please see page 2 attached from my credit report. ) This vehicle was in a car accident and the insurance company paid off the remaining balance due and therefore there is no outstanding balance to report and/or charge off. This incorrect reporting of a charge-off is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this, however I have not been successful.
Product: Checking or savings account

I would like for you to look at the fees Ive been charged since 2017 till now. Ive sent you some statements but not sure if it was correct. 

Ive been extremely stressed out especially this month with Chase. I am unable to pay my rent. I am behind 2 car Payment. My car insurance my bill. Since XXXX. XXXX XXXX XXXX XXXX XXXX XXXX I receive SS check of XXXX It was eaten away Since XXXX total of XXXX And sine the beginning of the year till XXXX Sum of XXXX out of that only XXXX has been refunded. With 3 over draft fees XXXX its enough to set me back for days. I work for XXXX XXXX I cant catch up to the total amount because when I deposit money I also have to keep using the card because I have to keep working. I cant open another account to hold off on getting fees. At least be able to eat and keep working having to put gas. So thats why you see all those fees. With the money i make with XXXX and the way chase charges. And if its on the weekend.some fees keep spreading even more even if I had enough money to cover them Monday. Some charges wont reflect day to day of them clearing. So I dont know if its Chase or the merchant Delaying the days for some to post 3 days after the original perches. Because of chase I am getting evicted I may loos my car. And with out work and be homeless. 
It should be illegal. Besides unethical inhuman And plane out wrong for a bank institution to be allowed in-rich them selfs with the hard working people who live paycheck to paycheck They become more profitable by there practices.. the banks borrow millions and millions of dollars to weather people and go bankrupt. But still have money. But banks Feed on the poor to make up for those bankruptcy. Because there more of us to profit then there to try to get money from the rich people.
Product: Debt collection

I have attempted to contact Diversified consultants about a collection on my report. I have no knowledge of this collection and it does n't belong to me. I have attempted to write this company and I received no response. I also did some research on Diversified consultants and this company is under information some fraudulent company practices. I want this item removed from my credit report immediately and would like to file a complaint against Diversified consultants.
Product: Credit reporting, credit repair services, or other personal consumer reports

The vehicle loan with XXXX XXXX XXXX/XXXX XXXX was wrongfully repossessed in XXXX 2016. The lien holder of the vehicle failed to fix electrical problems with the car. Instead of fixing the car, The car was repossessed and sold in auction. The amount the car sold for and what I owe is completely wrong. The charge off balance of the car is now reporting {$11000.00} dollars on my credit report. This is absolutely wrong.
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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX  XXXX XXXX XXXX, has violated my rights. 
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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

there are two accounts on my report that do not belong to me. 
CREDITOR : M & T BANK ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX BALANCE OWED : {$0.00} BUREAUS TO DISPUTE : XXXX, XXXX, XXXX CREDITOR : XXXX XXXX  XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX BALANCE OWED : {$6000.00} BUREAUS TO DISPUTE : XXXX, XXXX, XXXX
Product: Credit card or prepaid card

Comenity Capital Bank issues the XXXX XXXX credit card. 
My credit card was frozen due to inaccurate credit reporting from XXXX XXXX. 
My card is current and in good standing.. 
When I made an inquiry with Comenity asking what's the problem, they stated my account was frozen because Alleviate Debt Consolidation was the Power of Attorney and had included XXXX XXXX credit card in a debt settlement plan. 
I disputed that was inaccurate. Comenity Customer Service transferred me to XXXX stated, '' there's no problem with your account it's not in collection ''. I was transferred, put on hold, disconnected and sent to a total of 3other departments who were no help at all! 
Finally a department said I must submit in writing to a specific address, the disputed inaccuracy, my name, address, cc #, social security number and signature. 
I complied and mailed a letter with information as well as sent the letter via email, too. That was in XX/XX/2022! I was concerned because letter had all my personal information in it! To this day no one has contacted me and the account is still frozen! I have submitted all required documentation, yet there is no resolution and or response! 
Frustrated with poor customer service and outsourced customer servicing which is horrible business practices, I mailed a customer complaint letter to Comenity Capital Bank Corporate office. 
Therefore, I am filing a complaint to CFPB. As a consumer, I should not be shifted around to one department after another and no one make the correction and unfreeze my account. Comenity Capital Bank has terrible business practices and do not value the customer!
Product: Money transfer, virtual currency, or money service

I am writing to formally address my concerns regarding Zelles 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 adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system leaving users, vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.