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

These account on my credit report are misleading and false. XXXX, XXXX  and transunion has a closed and derogatory accounts, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX, and state of XXXX. These account are all violations of the FCRA. They havent been validated and should be removed from my report. They also sent me letter with there logo stating that I owe a debt which is against the law stated in 15 U.S.Code 1692b. This results in a {$1000.00} fine. An because your attempting to collect a debt that is against the low stated in 15 U.S. Code 1681b. You can not file a consumer report unless you have a written order from the courts, also should be accordance with the written instructions of the consumer to whom it relates. Also in 15 U.S.Code 1692b no debt collector can state that such consumer owes any debt. These are all {$1000.00} fines. Reports should not contain information solely as to transactions or experiences between the consumer and the person making the report. The congress also stated that any authorization or approval of specific extension credit indirectly should be excluded from your credit report. Also during your investigation into these accounts did you conduct personal interviews with any of my neighbors, family or associates? A consumer has the right to privacy and you sending three letter is a violation of my privacy. Congress states that the definition of credit card is also your social security number. So any closed or unauthorized account thats on my credit report should be removed.
Product: Credit card or prepaid card

A contracting company XXXX XXXX XXXX XXXX XXXX ( XXXXused going forward ) did work. They did not finish and I had already paid on XX/XX/XXXX, XXXX XXXX. I suspended the payment that I made with XXXX card to XXXX. XX/XX/XXXX, after repeated calls to XXXX and not getting the phone answered or called back and reading online that XXXX  does not complete work and does not call back. I paid someone else to have part of what XXXX  did not complete done because it was an electrical safety issue and fear of fire. XXXX did come and do more stated to be done work and insisted to be paid with a cashiers check. I called XXXX and asked about giving a cashiers check, I was told to have XXXX  write on XXXX letterhead accepting check instead of XXXX card payment by XXXX XXXX. ( a XXXX  employee ) I did what XXXX told me to do and they charged me and paid XXXX again. XXXX said they received a statement from XXXX   and because of the statement from XXXX  XXXX  paid XXXX. I called XXXX and talked to XXXX. He stated he did not get paid by XXXX and that the company he uses Square or XXXX must have the money. XX/XX/XXXX. There have been multiple phone calls to XXXX and XXXX. I also sent messages to Square. I am being charged and XXXX was paid with the requested check. XXXX stated that because of statements from XXXX  I do not have enough proof to show XXXX was paid for the XXXX transaction. This is just a summary I have multiple dates and conversations too many to put here. XX/XX/XXXX XXXX XXXX ( XXXX ) insists that Square has the money and in his words '' is holding it hostage. " Also, note the check was cashed before the XXXX complaint was received by XXXX card. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Oh XXXX XXXX Square, Inc. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , CA XXXX
Product: Debt collection

This is my various endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. 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. 
Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX TSIXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my complaint to JPMCB AUTO for taking no action on correcting and removing the fraudulent accounts including the unauthorized inquiries that are still reflected on my credit report and continue to damage my reputation. I sent out several dispute letters but until this time no further action has been taken. I have attached my FTC report with report number XXXX. I was expecting that they will be reporting accurate information on my file but it seems they are not.
Product: Debt collection

I have written to FINAN ASSIS several times pointing out that their reporting of this alleged debt on my credit report is inaccurate. FINAN ASSIS continues to report this inaccurate and unverifiable information. XXXX attached excerpt from my most recent credit report.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
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. 

Account name XXXX  Account # XXXX Account name XXXX XXXX Account # XXXX and XXXX and XXXX and XXXX, Account name : XXXX XXXX XXXX Account # XXXX Account nameXXXX account # XXXX XXXX Account name DeptedXXXX  Account # XXXX, Account name DPT EDXXXX account # XXXX and XXXX and XXXX, XXXX, XXXX, Account name DeptedXXXX XXXX, XXXX Account name XXXX XXXXXXXX XXXX XXXX Account name XXXX XXXX Account name XXXX XXXX Account name XXXX XXXX account name deptedXXXX XXXXXXXX account name XXXX XXXX XXXXXXXX account name 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: Checking or savings account

I was a Wells Fargo customer during the time period included in the most recent suit filed against them. I have not been contacted by Wells Fargo regarding this, nor have I been able to find any help through customer service, as I have come back to Wells Fargo recently for banking.
Product: Credit card

Chase sent me a misleading pre-approval letter stating that I have been offered with a Chase Sapphire credit card. There is nothing on the letter suggests that it is a advertisement and I may be disapproved. It stated it was an offer, and an offer is a contractual binding if both parties agreed on it. Therefore, I went ahead and provided them my information. It ended up Chase 's lending team disapproved my credit card despite the fact that I was pre-approved. I think what Chase 's credit lending team did is misleading, deceptive, and it create monetary damage on consumer ( I wasted my hard inquiry ). I believe Chase 's credit lending team violated UDAAP Act.
Product: Debt collection

In XX/XX/XXXX, I made a purchase from XXXX and provided my payment information at time of purchase, which is required for all online purchases that I have made with this retailer as the order will otherwise not be completed. In XX/XX/XXXX, I then receive an email from Remex, Inc regarding a Collections notice for XXXX XXXX XXXX of which I am completely unfamiliar- but apparently this is also XXXX. I reached out to XXXX and attempted to have the debt pulled from Collections since they already had my payment information, which had not changed since the time and date of purchase, yet XXXX refused to work with me. I also never received a letter from XXXX notifying me of this debt before they sent it to Collections even though they acknowledged that they have my mailing address. XXXX is a predatory company with fraudulent business practices as they can unilaterally make a decision to send their customer to Collections - even though they already have their customers payment information!
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS 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 accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX and XXXX XXXX  XXXX
Product: Money transfer, virtual currency, or money service

- I initiated a wire withdrawal from Gemini Trust Company , LLC ( Gemini ) for the amount of {$10000.00} on XX/XX/XXXX. Gemini sent confirmation of having received the request and that it was " initiated '' on the same date, and that it would " arrive within one business day. '' - Two days later, XX/XX/XXXX, Gemini sent a notice saying that the withdrawal had been " sent '', and that the funds would arrive in the receiving bank account " shortly ''. 

- One day later, XX/XX/XXXX, I made a support ticket on the platform requesting assistance as the promised funds still had not been reflected in the intended receiving bank account. 

- One day later, XX/XX/XXXX, a service representative replied to the ticket asking if I still had not received the funds. After confirming that I had not, they said that the support request would " need to be escalated to another team so that they can take a closer look ''.

- Four days later, XX/XX/XXXX, I posted about my specific issue on an external platform monitored by the company and was able to get ahold of another service representative. The rep told me that they " sent this over to the right team so they can take a look at this. ", and to message them again if I still had not heard from anyone in two days time, on XX/XX/XXXX. 

- Two days later, XX/XX/XXXX, there still was no official update on my issue through email so I notified said rep about this. They apologized for this and then said that they " went ahead and escalated it. ''
Product: Money transfer, virtual currency, or money service

Subject : Formal Complaint Regarding Undisclosed Charges and Invalid Transaction by Revolut To : Consumer Financial Protection Bureau ( CFPB ) Complainant Information : Name : XXXX XXXX Contact Information : Mobile : XXXX Date of Incident : XX/XX/year> Amount Involved : {$9800.00} Details of the Complaint : I am writing to formally lodge a complaint against Revolut regarding undisclosed charges and an invalid transaction. Below are the details of the incident : Transaction Details : Recipient : Receiver of money Amount : - {$9800.00} Date and Time : XXXX Transaction ID : XXXX Devices Used to Access Revolut Account : Mobile phone only Device Status : My device was not stolen. 
Suspicious Activity : I have not received anything suspicious nor shared any details. 

Reporting to XXXXuthorities : I have not yet reported this incident to the authorities but will file a police report as soon as possible.

Description of the Incident : On XX/XX/year>, I noticed an invalid transaction of {$9800.00} from my Revolut account. This transaction was not initiated by me, and I did not receive any prior notification or authorization request from Revolut. Additionally, I was charged a weekend exchange fee which was not disclosed in the terms and conditions or during the transaction process. As an upgraded member, I had never encountered such fees in prior transactions. This lack of transparency and unexpected charges are unacceptable and raise concerns about Revoluts compliance with ethical standards in financial services. I expect to be fully informed of any applicable fees before completing a transaction, especially when they are newly introduced. I request an immediate investigation into this invalid transaction and a refund of the amount charged. Furthermore, I urge Revolut to update their terms and conditions to ensure full transparency for all customers.

Requested Resolution : Immediate refund of the invalid transaction amount of {$9800.00}. 
Assurance that Revoluts terms and conditions will be updated to provide full transparency regarding fees. 
Please respond to this complaint within XXXX business days to confirm receipt and outline the steps being taken to resolve this issue. 

Sincerely, Customer got affected by this banking scam
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within XXXX 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. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax '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 proceedingthe account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, 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. XXXX ) 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. accounts INCLUDE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I paid my bill XX/XX/XXXX, XXXX.It did not have to be paid until the XXXX and the credit bureau still reported it as late even though it was paid on time.
Product: Credit reporting or other personal consumer reports

Equifax Inc allow companies to fraudulently be on my credit report. Furthermore I have proof from the Ohio Secretary Of State government issue, that I have no LIENS against I XXXX XXXX XXXX. Look at attachment which shows proof of documentation from the Secretary Of State.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax refuses to correct information on my credit report. My name, XXXX XXXX XXXX, the name they have is incorrect, a collection account, XXXX XXXX XXXX, is not mine. The other collection, XXXX XXXX has been paid. I can not get onto their website, as it tells me that the verification information I submitted is incorrect, because the information they have is incorrect. I have literally spent hours on the phone with them, and each time starts another 30 day stall and they never correct it. There is a 130 point difference between reporting agencies because they refuse to correct this erroneous information.
Product: Credit card or prepaid card

I filed a dispute with my credit card company regarding an issue/unauthorized charge on my card. I sent in all of the supporting documents that was requested in a timely manner. The company that was disputed, XXXX XXXX XXXX XXXX Fl for {$630.00} on XX/XX/2022, is a scamming company who claims to fix/repair vehicle parts, but ultimately is causing the vehicle/ CPU more issues than before, which causes XXXX XXXX to request more money from the customer and will still give the customer/myself a broken part which causes my truck to not run/drive at all. I will attach all of the documents including the note sent to Navy Federal credit union to remove the unauthorized fee that we NEVER agreed upon. Navy Federal then gave us a temporary credit and after submiting all of the requested paperwork, they still showed favor to the merchant who could not have provided any proof that the charge was authorized. The fee that WAS authorized was paid by another card that is not Navy Federal and the amount was significantly lower than the {$630.00}. My husband and I ended up with a unfixed truck and double paid repair expenses for a vehicle that we still can not drive. 

Dispute read : Once I got the part back on my truck after the repair, the truck was still acting up and undriveable. Hence why I took it to XXXX to get a diagnostic check on it. The 2nd upload reads the issues that are mainly wrong with the truck and the CPU still being the biggest issue, which was supposed to have been fixed by XXXX XXXX. I reached out to XXXX XXXX to advise them of the situation with the part. They stated that I then needed another part for the truck and will need a card on file for holdings. As well as to bring the part back IF I want to proceed with then fixing the truck. I declined for future services, which is why I decided to have XXXX fix this issue now instead of XXXX XXXX. XXXX XXXX  then charged my card on file without authorization, no receipt, or reason as to why the card was charged. My wife and I just so happened to check our credit card charges and noticed a unauthorized charge from that company. We tried calling them to get answers and our money back but to no avail. Then we researched the company on XXXX and the results were so alarming and disturbing.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes. Particularly in light of the recent CFPB lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

The efficiency and prompt attention of CREDIT BUREAUS to correct some of the adverse information previously stated on my credit file is appreciated. As of the moment I feel there are still items on my file that need to be repaired. For that reason I request that all of the attached inaccurate information listed in my credit file be FIX immediately in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). 
XXXX XXXXXXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$690.00} ; XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed XXXX {$410.00}
Product: Student loan

MOHELA has been absolutely disgraceful in handling the resumption of student loan payments. My ( and my wife 's ) monthly loan repayment was calculated incorrectly after I was switched to the SAVE plan. I spent hours on hold and talking to representatives trying to get this corrected. It took escalating to a supervisor ( and many more hours on hold ) to get this problem addressed on XX/XX/23. I was told it would take XXXX business days for this to be fixed, 7 days at most. It is now XX/XX/23 and both my and my wife 's monthly payment has not been recalculated. Furthermore, 4 out of my 8 loans were put on an administrative forbearance while this is being figured out, but the other 4 inexplicably were not and my account is listing an ( incorrect ) payment that is due XX/XX/23. I have been patient waiting for MOHELA to figure this out, however after waiting for an hour on hold today ( XX/XX/23 ), I was redirected to a survey of " how are we doing '' and then was hung up on. Best believe I left an incredulous answer to this survey. This has been extremely frustrating to deal with a company that has had three years to prepare for payments restarting, yet somehow is acting as if they were told last week.
Product: Credit reporting or other personal consumer reports

Endorsed notes/ negotiable instruments and paid in full ( check number XXXX, {$250.00}, XXXX ) XX/XX/year>2025 followed up with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX information was received on XX/XX/year>2025. Registered number XXXX, Registered number. XXXX, Registered number XXXX 1099-A form sent in also with documentation Bonds and Security sent with endorsement stamps ( canceled ) I will report fraud with ( XXXX  ) I also have security interest with documents sent to them. 

Also information copied and sent to XXXX XXXX at XXXX XXXX of Treasury ( Department of Treasury ) XXXX XXXX XXXX XXXX, Washington DC XXXX
Product: Credit reporting or other personal consumer reports

I asked for this account to be updated or removed to paid as agreed Credit acceptance co 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 XXXX XXXX XXXX loan popped up on my account a few days ago that is not my account, i have never had loan like that.
Product: Debt collection

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( June ) 281 SW 715,719, I presume that no proof of the allege debt, nor therefore any such debt, in fact therefore exists.
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/2020 consumerfinance.gov Consumer Finance Re : Payoff Company PHH Mortgage Loan : XXXXXXXX To whom it may concern : I sent a check in the amount of {$4700.00} to PPH Mortgage and they put my money into a suspend account on XX/XX/2020. They did not credit my account. Today, XX/XX/2020 I call XXXX the manager at PHH Mortgage, he said I could not pay off my account without a payoff quote. He ordered me one and it could take one to two I believe this is unfair, Im still paying interest on my loan on my current principle balance of {$4600.00} and they are getting interest on my money. 

Please help me get my loan payoff. My ID for the last complaint against this company is XXXX. The corporate office for PHH is XXXX XXXX XXXX, NJ. 

If you have any questions, please call me at XXXX. 

Thank you for your help in this matter. 

XXXX XXXX
Product: Money transfer, virtual currency, or money service

Scammer phone number : XXXX ( XXXX ) XXXX Scammer 's Email : XXXX Scammer 's name : XXXX XXXX XXXX XXXX XXXX XXXX sometimes they use both male & female first names ) These scammers are preying on people 's paypal personal accounts as well as accounts on websites such as, XXXX, XXXX etc. 
They contacted me via phone & text messages on XXXX threatening my life and personal data security several times. This way they wanted to force me to pay them money via PayPal. 
I presume they somehow have managed to illegally obtain my personal information from my profile accounts on the websites mentioned above. 
I already reported to PayPal com. but no actions have been taken so far. 
Please help.