23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX, XXXX and TransUnion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX, XXXX, and Transunion responds stating the report is accurate without providing any evidence of a thorough investigation. This violates the FCRA, 15 U.S.C. 1681i.

It may also contravene the CFPA 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) ( B ) as highlighted in CFPBs recent admin proceeding ( File # XXXX ) against them for similar violations. 
I request the CFPB take action to ensure XXXX, XXXX and TransUnion complies with federal law and provides consumer with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The Inquiry I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I have reached out the XXXX, Transunion and XXXX about a bankruptcy reporting that do not supposed to be on there. With the bankruptcies showing it is causing me a hardship and will like monetary if its not removed immediately. Bankruptcy court stated they do not report to the credit bureaus which it needs to be removed, document is attached. Rule 9037 Privacy Protection for filing made with the court. 
I have previously disputed this item with you ( US Bankruptcy Court XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and in response you verified the item as accurate, stating that you have verified the information with the court. I contacted the court and their response is enclosed. It is clear they do not report to you or to any credit agencies for that matter ; therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting quirements do not comply with FCRA 611 ( 15 u.s.c. 1681 and the information must be deleted immediately.
Product: Credit card or prepaid card

I discovered I got a total 6 fraud charges and the amount was {$850.00} on my Wells Fargo Propel American Express credit card ending # XXXX on XXXX. I called the bank/ credit card company immediately to report the fraud situation. I looked up for all of those charges happened in XXXX. It seemed like the thief who stole my credit card information went to nice restaurants and stores in XXXX to spend my money which never benefited me. I never authorized the card to anyone. I never been in XXXX before. I live in the United States, Minnesota. 

The credit card company/ bank closed my old card and issued me the new one. They said they would investigated the situation and let me know. I was anxious and called the bank back several times those few days. The agents reassured me I would get my money back. I asked if I needed to go to the police station to get a police report and they said no need to. 

About a week, the bank took off those fraud charges. But after I received a new card, the bank put all of those fraud charges back into the new account. I also received a letter from the bank writing me they denied my fraud claim. In the letter they said they found that no fraud occurred, or that the transactions were authorized. 

I'm reaching out to CFPB to get justice and wants the bank to refund money back.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX presume that no proof of the alleged debt. Nor therefore any such debt in fact therfore exists. ( Please remove this account before I seek litigation for defamation of character. ) XXXX XXXX XXXX balance {$580.00}, XXXX XXXX balance {$5100.00}, The XXXX XXXX XXXX Balance {$82.00}, XXXX XXXX XXXX  Balance {$1300.00}, impact receivables manag balance {$3100.00}.
Product: Bank account or service

When applying for a XXXX account online on XXXX XXXX I was given the option to fax in a form to use a credit card or debit card for funding. I called on XXXX XXXX to see if I could speed up the process and complete the funding by credit card over the phone but was told they would no longer accept that type of funding per corporate communication that very day. I asked if any of the faxed forms would be processed if it was already received and I was told it would not. 
XXXX, a supervisor, gave me a call back on XXXX XXXX to explain that they could no longer accept this type of funding. Because I was given the option upon completing my account registration online, I believed that I should still be given the option to fund by credit card unless there was something stated in the terms and condition that the option could be taken away at any time without notice. XXXX could not verify that there was any such language in the terms and conditions to that effect. 
I think anyone who signed up for an account prior to this new exclusion to funding sources should be allowed to complete funding under the previous rules unless it was otherwise stated in writing prior to signing up for the account that the option could be removed at any time.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax due to their failure to address my dispute of unauthorized inquiries within the legally mandated timeframe. I sent a dated and time-stamped dispute letter on XX/XX/XXXX ( attached ), detailing that certain inquiries on my report were unauthorized and accompanied by an FTC report as evidence. Under U.S. law, these inquiries must be removed promptly. Over 30 days have passed with no acknowledgment or corrective action taken. I, XXXX XXXX, confirm that the following accounts were unauthorized and are to be removed from my credit report : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

A deficiency can not be claimed unless all of the required notices were properly and timely given and all of the allowable redemption and cure time limits were adhered to. I asked Experian and XXXX for proof that the repossession of the subject vehicle was legal in accordance with the law. NO such proof was given to me within 15 business days after requesting it and this shall be considered null and void. Kindly comply, step up CFPB and remove XXXX XXXX**
Product: Mortgage

In XX/XX/XXXX after federal Government agencies investigated XXXX XXXX XXXX use of the XX/XX/XXXX-XX/XX/XXXX TARP Money, XXXX XXXX XXXX, finally modified my home loan. I believed the loan to have certain guide lines that may have been violated during the transfer. Including and not limited to deferred balance forgiveness of the amount of XXXX and a fixed interest rate after seven years. XXXX  XXXX XXXX sold my modified loan to Carrington on XX/XX/XXXX which is the 7 year mark. Carrington sent me a mortgage statements due on XX/XX/XXXX for XXXX with a fix interest of XXXX. 20 day later they send another statement for the XX/XX/XXXX for XXXX with a variable rate of XXXX. I am confusing and now I have two mortgage payments to make when I was previously stated one. See attached original statement. This is going to cause a hardship. Such practices needs to be audited to ensure consumer protection. 

Also Carrington failed to send a letter 15 days prior to the transferance of the loan. 

I want the public and banks to be aware that XXXX XXXX XXXX may be dumping modified loans in an attempt to not fulfill promise to the public. As i am suspicious that my loan was sold the very day that my loan was supposed to be a fix rate and that the deferred debt forgiveness did not take place.
Product: Credit reporting, credit repair services, or other personal consumer reports

See letters sent, clear violations of the FCRA
Product: Credit card

American Express has a protection. Tried to leverage the protection to which they denied. Closed the account on the spot. Made the final payment in full and verified with the customer service rep that I dont need to worry about this account moving forward. They confirmed. 
Then I get a couple emails about statement balances. Assuming it was the forward balance that was already paid off including pending charges. 
They eventually charge me interest and garbage fees that they wont reverse because the account is already close. 

They wont give me any insight because the account is closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, account or item which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account or information which is found to be opened due to identity theft.This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.

The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX
Product: Debt collection

I was a victim of identity theft and noticed a collection from FOCUS RECEIVABLES I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against FOCUS RECEIVABLES in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity XXXX. Attached is my document. Thank you
Product: Debt collection

First National Collection Bureau Inc. is attempting to collect a debt that is not only a result of identity theft but is as we know junk debt that has been re-aged from 2004. I take my credit very seriously and anyone who violates my consumer rights and protection. This debt can not be validated per the FDCPA or the FCRA for identity theft victims. I 'm tired of the harassment rather it be calls or letters. Attached is the original copy of my police report and the letter I received from First National Collection Bureau.
Product: Credit reporting or other personal consumer reports

It is crucial that consumer reporting agencies uphold their grave responsibilities when it comes to the handling of consumers personal credit files. After performing a re-investigation upon my credit file for accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. pursuant to 15 USC 1681ia1a, your company failed to follow proper procedures in regard to correspondence to me the consumer, in the handling of the reinvestigation. As clearly outlined within, 15 USC 1681i ( 7 ) ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy Subchapter XXXX states the following ; ( XXXX ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a detailed description referred to in paragraph ( XXXX ) ( B ) ( XXXX ) by not later than XXXX  days after receiving a request from the consumer for that description. Further outlined within 15 USC ( 6 ) ( B ) ( iii ) ; ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than XXXX business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. The correspondence mentioned above was NEVER made to me and therefore, your company is in direct violation of the FCRA and is now liable for monetary damages detailed within 15 USC 1681n and 15 USC 1681o. Not only was a proper reinvestigation not performed as the derogatory account mentioned is erroneous to begin with, your agency failed to follow the FCRAs clear rules in the handling of correspondence to me in association with the account in question. Please delete this erroneous account as I have sought legal counsel in this matter and intend on seeking damages associated with this complaint if this issue is not resolved. Thank you for your time.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's 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 CFPB 's findings indicate that Zelle has not only neglected to protect consumers but 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.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I deposited {$140.00} to my XXXX online account. I did this so I could pay my power bill that was subject to being disconnected. I have a prepaid account with a power company so I had to pay it. No payment arrangement can be made on prepaid services. It usually takes 30 minutes for the money to actually post with XXXX. well, I wait 30 minutes. I go to my online account to check if it has loaded it has but there was {$71.00} taken from the {$140.00} in the account by XXXX XXXX. I do not know who this company is and do not have an account with them. So I contact them immediately via email. They respond that they made a mistake and will happily refund the money back to me. All they needed was my account # and routing #. Since XXXX canceled the debit card on that account, I gave them that info. On XX/XX/XXXX XXXX XXXX emailed me an invoice stating that they issued a refund in the amount of {$68.00} which is not of the amount {$7100.00} they took. However, they said that they issued the refund on XX/XX/XXXX. The same day they took the money. They however did not send refund to XXXX but sent it to PayPal. I was fine with that. Now here is the problem. Paypal has confirmed the money was received and that PayPal has the money, But they refuse to return the money back to me. I have an email from Paypal stating that the money is being held for my protection. So for 2 days, I have been battling with Paypal to return my money they outright refuse. Today I called Paypal Corporate Office and spoke with XXXX he assured me that he would handle the issue and have the money returned to me today. During the conversation to return my money we got disconnected. I called back asked to speak with XXXX and was denied that. XXXX the man I spoke with the second time said that Paypal had not received the refund and refused to help me in any way and then again call was disconnected. Now because my money was taken from my XXXX account and PayPal refuses to return the money and now says they never received it after 2 PayPal reps said they had. My power was shut off and for 2 days me my husband and my special needs son have been in a freezing house with no power and now no food. I am filing this complaint because I did some research into how to resolve this issue, In my search, I learned that since XXXX Paypal has done this exact same thing to thousands of people and never returned the money to many of these people. The amount of money PayPal has stolen from users is in the hundreds of thousands even millions. Now that i am having to take this action. For me, it is no longer about the money but about shutting Paypal.com down forever so they can no longer scam and steal from hard-working Americans. In my search, I also learned that Paypal has had 2 class-action lawsuits against them for doing this very thing to users. They settled and were made to pay out XXXX XXXX dollars just in one judgment against them. Yet now they are doing the very same thing. They can not be allowed to get away with this. Especially when covid-19 has so many family already in financial hardships,
Product: Credit reporting or other personal consumer reports

My deep frustration and utter dismay regarding the ongoing presence of fraudulent accounts on my credit report, despite my repeated attempts to have them removed. I demand immediate action to rectify this egregious error and restore my creditworthiness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I can not overstate the frustration, XXXX  and inconvenience this situation has caused me. I have spent countless hours communicating with your bureau, providing the necessary evidence, and patiently waiting for resolution, only to be met with repeated indifference and inaction. Your lack of responsiveness and inability to resolve this issue promptly is not only unprofessional but also exacerbates the harm done to my financial well-being. 
Failure to comply with my request will leave me with no choice but to take legal action against your bureau for negligence and noncompliance with the Fair Credit Reporting Act ( FCRA ) and other relevant consumer protection laws.
Product: Mortgage

Spoke with Trustmark bank several times to get assistance with my mortgage the loss mitigation dept. told me there were not any option available to help me with my mortgage.

Submitted mortgage assistance application with my financial income XXXX, 2024. 
Foreclosure sale my home is XXXX XXXX. 2024. Trustmark is unwilling to assist me with keeping my home out of foreclosure. I became late on my mortgage because of being unemployed, work hours being reduced, laid off from work several times including covid pandemic.
Product: Mortgage

After declining to pursue a refinance with New American Funding, a representative sent an email requesting details why I chose not to pursue the loan, and included approximately 50 other customers on the same email, seeking the same information from them. It was a wildly inappropriate and cavalier way to treat customer data, with no concern for consumer protection even after the mistake was highlighted by another customer. Some customers shared their rationale with the entire group before the mistake was brought to light.
Product: Payday loan, title loan, or personal loan

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that LENDMARK has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, XXXX and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Mortgage

I requested a forbearance on my mortgage and the company made the forbearance retroactive to a period before I applied for the forbearance and only permitted me two months forbearance although the CARE Act permits up to 180 days at the request of the borrower. When I called the mortgage company ( AmerhHome Mortgage ) to request that this issue be fixed they said they would not make any changes that I could call back after the end of the two month period they gave me and ask for an extension. When I told them that the CARE Act permits up to 180 days they said they did not start allowing that until Thursday ( XX/XX/2020 ). When I pointed out that the CARE Act was passed on XX/XX/2020 and that their actions were in violation of the law they said that there was nothing that could be done. I then asked to speak to a supervisor and I was left on hold for over an hour and no one ever picked up the phone.
Product: Debt collection

This is reporting a past due balance however on the credit reports it shows it was written off, so there should not be a past due balance. It should also not list the months past due on credit reports. And because it was written off, I should have received a XXXX so I could list as income. I did not receive that. Many inaccurate factors listed on credit report