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

Disputes were filed with all 3 credit bureaus on multiple occasions and the credit bureaus never completed a proper investigation.
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 : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.l received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX  XXXX. 
Date of inquiry : XX/XX/XXXX Delete this account. 
3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
5. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Delete this account. 
6. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
7. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 8. there is some inaccurate information reporting. 
XXXX SELF-REPORTED Account Number : XXXX Delete this account. 
9. there is some inaccurate information reporting. 
XXXX SELF-REPORTED Account Number : XXXX Please remove it from my credit report.
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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

Last XX/XX/year>, I received a message on XXXX from an aunt who lives in XXXX. She asked me to please make a transfer to pay $ XXXX to someone, as her account was blocked and she needed to pay urgently. I made the transfer through PayPal using {$XXXX} that I had as a balance in PayPal and requiring {$XXXX} from the bank account linked to PayPal, the total transaction was {$XXXX} due to a XXXX fee. After completing the transaction, I received a message from a relative saying that if I was asked for money in her name, not to transfer it, as it was false. My aunts XXXX account had been hacked, and they were asking for money in her name. I tried to contact PayPal but couldnt, so I filed a claim to put the money on hold and have them investigate the case. At the time, I only had photos and the conversation with my supposed aunt. That was the only evidence I could provide. The money was put on hold, and PayPal said they would respond to the case in XXXX. The response came on Saturday, XX/XX/XXXX, informing me that the claim had been denied and that the money would be given to the thief. I started calling and communicating with many people at PayPal, without finding a single positive response. On the contrary, PayPal said that my money was lost and that there was nothing they could do, and that I should contact my bank. But they said nothing about the money I already had in PayPal ( {$XXXX} ). At no time was I contacted for more information about the case or given the right to explain what happened. The bank XXXX responded for the lost money ( {$XXXX} ) since I acted in time, but PayPal simply turned its back on me and didnt care that I was being robbed. 

Additionally, when I communicated with PayPal ( XX/XX/XXXX ), some employees said that the money was still on hold, but that it should be released because it had been a personal transaction. However, I explained the situation many times without getting a positive response. Apparently, PayPal, even knowing that I was being robbed, gave the money to the thief. They told me to contact the person to get my money back, but I had already reported and blocked them. Moreover, if they are stealing from me and many others, it is logical that they will not return any money. 

That person was able to collect money in several bank accounts. Likewise, virtual accounts in XXXX, XXXX, XXXX, XXXX and XXXX from family and friends of my aunt.
Product: Checking or savings account

I started to see some withdrawals from my account that I did not autherize from a company called XXXX.I did not catch when it first started by the time I caught it they savurgam had charged me twice a month XXXX XXXX for almost a year.My bank Comerica bank investigated then credited my account for all the charges.Then a week later after I used the money they posted the charges again from XXXX putting my account over drafted.The explanation I got from Comerica was that they credited my account because it was fraud but because of some 60 day rule they reinstated the charges.I told them why did you credit my account with the money then they had to know I would spend it.This does not seem right.thank you for taking the time to read my complaint.If you want to talk to me please leave a message as I am totally XXXX and have a hard time getting around when XXXX XXXX XXXX  away from the phone.Thank you.
Product: Student loan

I was a student at XXXX XXXX XXXX XXXX for 3 years. I was an excellent student with some bad apples for administration. I made it to the final program where I studied constantly then the school got moved to XXXX va where I was able to get to class sooner. Eventually I got approached by administrators and he told me that they hadnt recorded my attendance for the past few months and proceeded to kick me out. 
After they moved schools they had gotten rid of the sign in sheets for our attendance and relied on teachers memories who had seen hundreds of students day and night without writing their attendance
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted this complaint to update this suspicious information. Credit Bureau must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date opened : XX/XX/2023 Balance : {$15000.00}.
Product: Credit reporting

I have submitted several disputes to Experian for over 6 months now ; disputing the inaccurate, misleading, and unverifiable information listed on my credit report from multiple creditors. I have asked Experian on multiple accounts to remove any and all addresses, as well as personal information that does not belong to me, nor that I have ever lived at, and Experian will not acknowledge my request. Experian has continuously sent me a response to every dispute I send them, almost immediately refusing to thoroughly investigate the accounts because I have " previously '' disputed the accounts and they came back verified. My initial dispute was submitted in XXXX 2015. I have sent a dispute every month since then, re-disputing the accounts with more information, or with a different reason as to why these accounts should be removed immediately. I have also requested method of verification, as well as proof of verification, and they have completely disregarded my request and thrown out my investigations entirely. I do not know where to begin in regards to having this matter resolved as I am constantly having to face an uphill battle with a company who is proving they are not abiding by the law and completing a full and thorough investigation. I am requesting that you please look into this matter and have Experian complete a full and thorough investigation of the accounts listed in the attached letter. I have sent them certified/registered mail with return receipt every month, and I know they have received my disputes because they reply back with the letter indicating the dispute will be disregarded to being previously investigated. Which I am aware of, but I am giving a completely different dispute reason every time. Please assist. I thank you for your time and help on this matter. Under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Product: Credit reporting or other personal consumer reports

I HAVE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED THAT SOME UNAUTHORIZED INQUIRIES REPORTING. 

REPORTING IN EQUIFAX : XXXX. The inquiry was not authorized XXXX XXXX, Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

REPORTING IN XXXX : XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Money transfer, virtual currency, or money service

I am writing this to formally express 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 issues my financial institution and zelle failed to investigate my claims. They informed me recovering lost funds was unfeasible. The CFPBs findings indicate that zelle has not only neglected to protect consumers but has also allowed offenders to exploit the system, leaving users vulnerable to scams.
Product: Mortgage

I HAVE BEEN FOR YEARS REACHING OUT TO SPS FOR HELP IN CATCHING UP ON OUR BEHIND MORTGAGE. WE get the death ear and we get we CAN NOT HELP!! Our issue has not changed and in the years past they have offered us modifications for a MUCH LARGER monthly payment then what we were already paying. IF we could not pay that amount how were we gon na be able to pay the new amount. WE HAVE ASKED about re financing and ALL OF THE ABOVE. And we get NOTHING in return from them. NOTHING!! We write letters for help send modification requests every month. WE HAVE REACHED out to the firm trying to collect the debt which was stated in their OFFICIAL letter to us, if we can pay. PUT IT IN THE MAIL OVER NIGHT AND IT NEEDED TO BE SIGNED FOR AND NOTHING FROM THE EITHER. No letter back, email nor phone call from either party. THIS IS INSANE! SPS states in letters and on their own line site they are THEY TO HELP!! NO THEY ARE NOT
Product: Credit reporting, credit repair services, or other personal consumer reports

My account with Wells Fargo Card Service should be no more than 30 days late in the month of XX/XX/2021 because I have not received any forms of billing information or any notification that this account is due or something. This is not an error on my end. With that being said, sending written letters and a lot of attempts on reaching out to both Bureaus and Creditors were neglected. This should be corrected immediately.
Product: Mortgage

On XX/XX/2020, a major hail storm severely damaged our home. An insurance claim was filed that night. The Adjuster came to inspect the home on XX/XX/XXXX. He sent us the report on XX/XX/XXXX. We received the check that weekend. 

The following week, we contacted Movement Mortgage, asking them to endorse the check, as their name was also on it. They refused to endorse it. They verbally told us the insurance company could write a new check just to the homeowners, but they would not put this in writing, so the insurance company could not do anything. 

One of Movement Mortgages managers called us and instead of speaking to us professionally, was incredibly rude and spoke down to us. He ended up hanging up the phone on us. 

The next Monday, we called Movement Mortgages Regional Director, but instead of calling us back himself, he had another Manager call us. He still refused to sign the check and claimed he couldnt because it was over $ XXXX. He couldnt give a reason other than its policy. 

He kept pushing it off on to XXXX, who was set to take over the servicing of the loan. While he did pay for the check to be overnighted to XXXX, we are no closer to having our house repaired. 

Our house has been sitting with holes in it for 2.5 weeks, and XXXX is now saying it will be a total of 3.5 weeks before they even know if their Processing Department has the check ( that we overnighted ). XXXX refuses to expedite the process. 

Meanwhile, our house continues to sit without repairs being done even though our contractor is ready.
Product: Credit card or prepaid card

On XX/XX/2020 I placed three orders on Wayfair.com using Wayfair Card. The orders were cancel next day ( more than month ago ) and never received, but refunds for those orders weren't processed and I've been charged a late fee for orders I've never received. 

XXXX XXXX
Product: Checking or savings account

On XX/XX/2019 someone fraudulently withdrew {$2000.00} out of my account. I went to the closest bank branch where the suspended my old account and gave me a new one. Chase gave my {$2000.00} back. 
XX/XX/2019 Chase claimed to have completed an investigation and claimed that there was no fraud and immediately withdrew {$2000.00} out of my account. 
I am now left with a -XXXX balance and incurring overdraft fees because chase claimed that there was no fraud when there was. 
Chase also had the audacity to blame it on me. 

Fraud did occur and chase is turning a blind eye.
Product: Debt collection

Jefferson Capital LL {$2000.00}. I have no knowledge of this account and creditor agreed to remove from my report. I am contesting this entry as it was added without my authorization. According to FCRA 605B, they are required by law to obtain my consent before including any information on my credit report.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Request for Description of Investigation Process - Disputed Accounts on My Credit Report Dear CFPB, After completing its investigation as detailed in this complaint, I am writing to request a thorough and detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( a ) ( 7 ), credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute.

Upon reviewing my credit report, I noticed an account with XXXX XXXX reporting inaccurately, showing multiple late payments that I, in fact, paid on time. It is essential for credit reporting agencies to report all information with complete accuracy, yet this account has not been late on payments. I have attached a copy of my credit report highlighting these dates, as follows : TransUnion : XXXX late payments recorded for XX/XX/XXXX, XXXX and XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ; XXXX late payment recorded for XX/XX/XXXX. 
XXXX : XXXX late payments recorded for XX/XX/XXXX, XX/XX/XXXX, XXXX and XX/XX/XXXX ; XXXX late payment recorded for XX/XX/XXXX. 
XXXX : XXXX late payments recorded for XXXX and XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ; XXXX late payment recorded for XX/XX/XXXX. 
I kindly request an investigation into this account and an update of these payments to reflect an on-time status. If the payments can not be updated accordingly, please provide the required documentation and details as outlined in my request. 
In reference to 15 USC 1681c ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( myself ) and the reporting entity. Given that payment history is directly tied to these transactions, any incorrect information negatively impacts my consumer report. 
I am also requesting that you outline the reasonable procedures [ per 15 USC 1666 ( b ) ] adopted by your agency to ensure each periodic statement is mailed at least 21 days prior to the due date, as required under section 1637 ( b ) of Title 15.

Reference to PAANL ( Paid As Agreed, Never Late ) : The terms of our agreement have been honored consistently, warranting a " Paid As Agreed, Never Late '' status for this account. I request documented evidence supporting any claims of late payments, including specific dates, amounts, and communication records indicating these alleged late payments. In the absence of such proof, I expect the credit reporting to be corrected. 
Given that my previous disputes have not resulted in any changes to the reporting, I demand an investigation in compliance with the FCRA to correct these inaccuracies promptly. I expect a written response within 30 days of this letter, as required by law. 
Thank you for your attention to this matter. Your adherence to FCRA regulations is crucial for maintaining the accuracy and fairness of my credit report. 
Sincerely, XXXX XXXX XXXX
Product: Vehicle loan or lease

I purchased a car from a local dealership XXXX of XXXX XXXX who the owner is in XXXX right now and I got the loan through a company through the dealership called OneMain... the dealership has since went out of business and one main doesn't possess the title ... that's who I've been paying... the name of the dealership is XXXX XXXX XXXX XXXX very shady business I believe they done this to about 30 people ... they sold people trucks and cars that had liens on them. I currently have a complaint number with the attorney general they are taking their steps but the loan company one main is acting extremely shady they told me not to make a loan payment and sent me a letter saying that they would not report on my credit report but nothing about not making a payment ..so I continued making payments XXXX have not missed a payment but I was told there was a repossession out for the truck I have ... not from one main but from the company who owns the truck who I looked up on the XXXX XXXX ... its a company called XXXX XXXX XXXX XXXX ..they 've been doing fraudulent business with XXXX and doing this to people for the past year it's very ugly ..what I would like to do is have the loan company since they can not get the title wash my loan I've already invested over XXXX to XXXX into the truck and into my trade-in for the truck I lost my car this whole process has dropped my credit score from a XXXX down to a XXXX this is absolutely ridiculous I need some help please can you reach out to one main can you send them a letter telling them they need to stop my loan payment and send me the proper paperwork stating this and report to the credit report bureau I'm waiting to hear back