23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I had a scam transaction made on XX/XX/year>. I was scammed {$1000.00} from my chase checking account. I contacted chase the day the transaction was made and because the money was sent through XXXX they were unable to assist. I contacted XXXX and they said since the money was already transferred I was unable to get back my {$1000.00}.
Product: Money transfer, virtual currency, or money service

I have a chime account that has an unauthorized transaction on it. " XXXX XXXX  From Us bankremaining Funds Returned To Us " is the entity that withdrew the find from my account. And yes, this is the exact way that it appears on my statement. Looks " fishy " to me.They keep calling this transaction a " bank adjustment ". I've spent several hours on the phone and online with chime trying to dispute the claims. Just to have them tell me that their policy states that " any bank adjustments can not be disputed ". They even told me that it must be from XXXX BANK and to give them a call to settle things. So I did. They couldn't find anything in my name. I even had them run my social security number. And nothing came back. Someone from XXXX BANK told me to have chime call them back. But they wouldn't accept the phone number. Plus, not too mention that I've never had business with " XXXX BANK ". This happened on the XXXX of XXXX. It is now the XXXX of XXXX. And even though they see the transaction on their computer. They still will not do anything remotely to help resolve the issue. I'm totally stuck at this point. Not sure what to do from here. I've exhausted all of my means. Their customer service XXXX!!! I can't even file a dispute to get the investigation going. I speak with an agent, then to the dispute dept, then to a supervisor, and finally to the " team member " dept. If there's even one. Then we repeat this circle over and over and over. Noone ever really helps. Just passes you on to the next agent. TERRIBLE!!!!!
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX, XXXXXXXX XXXX  Balance : {$93.00} ; XXXX XXXX XXXX Balance : {$3000.00} ; XXXX XXXX XXXX  Balance : {$190.00} ; XXXX XXXX XXXX Balance : {$6800.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00}.
Product: Debt collection

XXXX has sent me to collections for a debt that is not, and is impossible to be, mine. This is for an account that I have since transferred and closed. It is being claimed that this account was closed in XXXX of XXXX, when I closed the account three years prior. I have a screenshot of that account closure. 

I have documentation that I had transferred my service from XXXX XXXX XXXX in XXXX XXXX to XXXX XXXX XXXX as of XX/XX/XXXX. 

I could not have had service in two places at once. 

Furthermore, I have also attached an account closure notification for the jersey city account on XX/XX/XXXX. 

In XXXX 's letter, the info graph of gas usage was zero for all of last year, and then somehow restarts in XXXX of XXXX. There is no explanation for this, i have not lived at this address for 4 years. 

The collections agency said this debt is valid because it's in my name. I sent them my documentation and they claim there is nothing they can do. 

It is clear to me that someone on XXXX 's end failed to close my account properly, or it was reopened under the last known resident. Either way, this is not my debt. I have not lived at this address in years.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX5 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat, payment on a credit card account under an open end consumer credit plan as late for purpose. 
Seeking remedy for these violations
Product: Credit card or prepaid card

XXXX. In the month of XX/XX/2022 i made 7 transactions of same amount {$1500.00} and one of {$1000.00} to purchase my XXXX package from XXXX ( Package provider ). 
Because of the high value international transaction my card was blocked as a result bank replaced my card. 

XXXX. The XX/XX/2022 statement reflects all the transaction including BALANCE TRANSFER due to replacement CARD and shows the NEW BALANCE = {$12000.00} XXXX. On XXXX XX/XX/2022 i made full payment of - {$12000.00} to paid off last statement balance XXXX. Since my trip was canceled by the provider, they made refund of {$11000.00} on XX/XX/2022 and XX/XX/2022 XXXX. On XXXX XX/XX/2022 i received Refund check of {$11000.00} from the bank against my request XXXX. All the above activities ( 2-5 ) reflects on the statement of XX/XX/2022 and shows the NEW BALANCE = {$340.00} XXXX. I was using my card as usual and everything was fine until XX/XX/2022 XXXX. In the month of XX/XX/2022, i suddenly found an entry of " BALANCE TRANSFER XXXX GA '' with the amount of {$1500.00} in the transaction detail section. Then I went through all my statements since XX/XX/2022 ( as available in the portal ) very mindfully but did not find any reason or evidence to justify this balance transfer. 

XXXX. I started talking to the bank and asked them to explain me the scenario, however, no one was able to explain anything rather than transferring the call from one department to another department. In the mean time fraud department again initiated a card replacement process. 

XXXX. Then on XX/XX/2022 i found another ( 2nd one ) entry of " BALANCE TRANSFER XXXX GA '' with the same amount of {$1500.00} on top of the previous balance issue XXXX. Then after a lot of phone call one Custome Service Representative was able to understand that this balance transfer is not valid as because there is no such evidence in the past statements. He then initiated a process for adjustment and on XX/XX/2022 i found 2 adjustment happened. 

XXXX. I was so happy as the issue was resolved, but then on XX/XX/2022 i found again another ( XXXX XXXX ) entry of " BALANCE TRANSFER XXXX GA '' with the same amount of {$1500.00} has come. 

XXXX. I started calling the bank again but there is no resolution. At one point they asked me to wait for the next bill cycle that may resolve the issue but nothing happened rather the bank started charging me interest. 

As of now i am not getting any further cooperation from the bank therefore seeking your help to save me from this huge personal liquidity damage. 

On the other hand, if i really owe anything from bank then i will for sure pay off the amount instantly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Could this be discrimination when I have disputed this fraudulent account XXXX XXXX XXXX  and XXXX as well as XXXX XXXX  and the addresses associated with the accounts with the same information. And, a police report provided just like my husband did as XXXX is listed as a joint account. His was removed from all 3 bureaus and mine remains on XXXX and Equifax.
Product: Credit reporting or other personal consumer reports

on XX/XX/year> I sent a letter regarding inaccurate and unknown information on my credit report to this day over XXXX later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items in 30 days gives a reason immediately remove those items from my credit report within XXXX. it has been over XXXX they should be DELETED promptly i demand these accounts be deleted immediately or i will file for litigation due to the stress you have caused me. my information was also impacted in a XXXXraud data breach and the XXXX data breach and have gotten in the hands of the wrong people.
Product: Mortgage

I paid XXXX XXXX A Professional Law Corporation, Attorney XXXX XXXX, XXXX # XXXX {$5100.00} to represent me in XXXX XXXX, Case No. XXXX. It is to my knowledge that Attorney XXXX XXXX was paid by Bank of America funds to which I also would like to receive from Bank of America. Bank of America foreclosed on my property, while I was trying to do a modification. The State Bar disbarred Attorney XXXX XXXX, XXXX. The Federal Trade Commission stated that case no. XXXX XXXX went to the U.S. District Court for the XXXX District of California. XXXX XXXX did get paid and maybe more. I will be faxing paperwork asap. Anything you can do to help would be appreciated. Thanks in Advance.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was used for a bankruptcy filing, the bankruptcy is reporting on Experian, XXXX  and XXXX as a public record. The bankruptcy filing is fraudulent. I have disputed the information several times, and the agencies say they verify this information from XXXX. XXXX uses a third-party to verify the public record which is not legal because it can't be verified through the courts, directly.
Product: Credit card or prepaid card

Discover card reopened my account XXXX without explanation as to why they closed it.
Product: Mortgage

My mortgage at Select Portfolio Servicing went up {$130.00} in XX/XX/year> making my mortgage {$1800.00} a month and now it's going up {$320.00} in XX/XX/year> making my mortgage {$2100.00} because they didn't pay my property taxes on time. They owed XXXX XXXX the second half of my taxes {$3200.00} for XX/XX/year> and didn't pay it. I had over {$3400.00} in my escrow account but now they are saying I didn't have enough money in my account to pay it. Now they are charging me for the amount they didn't pay on time and for the new amount that will be coming up. In a letter they sent me on XX/XX/year>, they said they needed to collect {$7700.00} in my escrow over 12 months. Then on XX/XX/year>, they sent me a new letter saying they needed to collect {$10000.00}. Which is how much half of my taxes are for the year the {$3200.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Remove the following accounts because it did not show the correct payment history on the accounts. Payment history as reported is inconsistent. The accounts were reported as charge off " open '' with balance. How can this account be charged off and it still showing a remaining balance! Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and remove the accounts ASAP XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. Below are a list of account that are inaccurate Accounts : XXXX 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 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

I have disputed account with Equifax by phone, online, and by mail. I have reached out to collection company and sent prove that original account doesnt match according to debt validation sent from XXXX XXXX and statement from XXXX XXXX XXXX. This item has been removed from other XXXX and XXXX.I have already disputed this item on many occasions and this is final attempt to get resolved and because of its negative nature, my next course of action will be filing suit for damages per state statute will allow.
Product: Debt collection

Credit Control Corporation put a medical collection on all three of my credit reports. The medical bill was paid my insurance ( XXXX ) XX/XX/2019. This is collections is stoping me from closing on my home. Waiting up to 45 days I will lose my home.
Product: Debt collection

This debt buyer PARKED a collection on my credit reports without my knowledge and in doing so, they are in violation the FDCPA 809 ( a ) Collection Practice of placing a collection account on my credit reports without sending a dunning letter to me. XXXX XXXX XXXX also failed to follow FDCPA 809 ( a ) by not sending a letter giving the consumer time to dispute or validate the alleged debt within the allowed 30-day time frame that is allowed by law. 

Upon reading my credit reports a collection for this alleged debt has already been added, and removed by another debt buyer ( XXXX ) and by them! The collections were removed by Deversified on XXXX XXXX, XXXX and was removed by ( XXXX ) on XXXX XXXX, XXXX, reinserted and then removed again on XXXX XXXX XXXX. 

I request that they verify the following information. 
1. Registration/License Number that allows them to collect in the state of Louisiana! 
1. Full original Account Number 2. Date original Account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt 5. Date of the first delinquency 6. Dates and times of any phone calls made and to what number in attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA law.
Product: Debt collection

On XX/XX/2021 I sent a letter requesting information about an alleged debt reporting from IC SYSTEM, INC and I have yet to hear back from them in regards to that. Please look into this matter for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, based on a accident ( disaster ), I faced the financial hardship. XXXX XXXX is my mortgage lender from XXXX, and I asked them for a mortgage assistance. They offered several options but asked for permission to check my credit score. At this moment the score was about 630. However, XXXX XXXX asked Corelogic Credco for assistance, and when results came, it was a very unpleasant surprise. The new FICO score has dropped for 83 points - due to the XXXX XXXX/Corelogic Credco inquiry. When asked for information why it has happened, the answer was that this score is based upon XXXX report. I called XXXX and they denied providing such a wrong information. At this moment am disputing this sudden drop of the score and I am asking removal of such inquiry. 
As far as I know, the official credit bureaus are the only providers of credit information. Many new providers of scores are doing it for less money and are increasing the market. Their information is not always correct. They maybe are pleasing the lenders who are paying for information, but it can create harm to customers - intentionally or inadvertently. 
I am informing CFPB because this has happened under your watch of the compliance with FDCPA.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt of {$2800.00} with XXXX Account Number : XXXX. They did not provide me with the original contract. A purchase agreement with my wet signature and ID verification. They have provided me nothing to show full ownership of such account so l May review it to see if this is actually an account that belongs to me.

Rent recovery has not furnished any agreement to confirm that account belongs to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Experian are showing an XXXX XXXX Credit Card on my credit report. I am no longer on that account. XXXX correctly reflects that I am not responsible for an XXXX XXXX Card Credit Card, and as such, my credit score with them is much higher.
Product: Mortgage

We are filed a Chapter XXXX bankruptcy. During the bankruptcy our mortgage company freedom mortgage refuse to talk to our attorney is at XXXX XX/XX/XXXX XXXX law offices. Once we discharged they spoke with us and for the last seven months weve been going through loss mitigation. They keep denying us due to lack of information. And when we appeal that they state that they didnt receive some forms which we have sent so weve been going back-and-forth nonstop and now theyre telling me that the forms that we filled out our from XX/XX/2015 and are no good. But they are the farms that they kept sending us. I feel as if they are prolonging this issue so they can put our house on the foreclosure and I would like some information on how to stop this
Product: Mortgage

We previously filed a complaint with CFPB regarding erroneous Closing Disclosures we received from Amerisave Mortgage. This finally prompted Amerisave to correct the CDs. However, we continued to experience many other mistaken communications and documents from them including their failure to monitor receipt of documents, ie appraisal report. Finally, we decided we had enough and withdrew our loan application on XX/XX/XXXX and spoke to Customer Service to confirm this and to obtain the return of our application fee. The fee was returned. However, thereafter we received from Amerisave a Notice of Termination that INCORRECTLY listed the reason for termination was Lack of Cash Reserves instead of the correct response of Application Withdrawn by Borrower. 
By email dated XX/XX/21 to XXXX XXXX XXXX of Amerisave we requested that the Notice be corrected. Subsequently, XXXX XXXX called us later that day and offered to assign a new loan team and to get to the bottom of the missing appraisal report promptly. We never heard back from him the next week despite sending him several emails so by email dated XX/XX/XXXX we advised that we wanted nothing further to do with Amerisave. We requested the prompt receipt of a corrected Notice of Termination. We still have not received it. Attached is the notice in question. If emails are needed, I can furnish them also.
Product: Mortgage

on XX/XX/XXXX on line on Fay Servicing site I Deposited {$10000.00} for principlein the account # XXXX funds were not completely applied to the account and after XXXX phone calls from XX/XX/XXXX till XXXX for a supervisor, I finally received a call from a supervisor XXXX XXXX XXXX XXXX was rude she hung up on me after i told her our conversation was recorded. since that phone call on XX/XX/XXXX the account has been different posting every other day which I followed and took pictures of online where thefund is not applied to the principle. although the account has automatic monthley pay, the fund for the monthly payment was taking out and not apply and show due for XXXX. I hope that the supervisor is not retaliating. all i need is for XXXX be applied correctly, it has been 35 days and not resolved
Product: Credit reporting or other personal consumer reports

Re : Late Payment Dispute under the CARES Act, FCRA, and TILA Account Number : XXXX Creditor Name : XXXX XXXX Dear CFPB, I am writing to formally file a complaint against XXXX XXXX for reporting inaccurate information related to a late payment on my credit report. This information does not reflect the protections provided under the CARES Act, the Fair Credit Reporting Act ( FCRA ), and the Truth in Lending Act ( TILA ). 

CARES Act During the national emergency caused by the XXXX pandemic, I was approved for a financial relief program offered by XXXX XXXX XXXX Under the XXXX XXXX, my account should have been reported in a favorable status while participating in the relief program. However, my credit report shows a late payment, which violates this law. 

Fair Credit Reporting Act ( FCRA ) Under the FCRA, creditors and credit reporting agencies are required to report accurate information. The incorrect reporting of a late payment on my account is unfairly damaging my credit history. I request that the CFPB investigate this inaccurate information and remove this late payment from my credit report.

Truth in Lending Act ( TILA ) Additionally, under the TILA, creditors are obligated to provide clear and accurate terms and communicate any changes to loan terms. I was not properly informed by XXXX XXXX about how the relief program would impact my credit report, which is a violation of my rights under TILA. 

Request For these reasons, I request that the CFPB investigate this matter and ensure that the inaccurately reported late payment is removed from my credit report. I am attaching relevant documentation that supports my participation in the financial relief program and demonstrates that this late payment was incorrectly reported. 

Thank you for your prompt attention to this matter. I trust that the necessary steps will be taken to rectify this situation in accordance with applicable laws. 

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

reached out to TransUnion, they kept hanging up on mer. could not talk to rep.