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

I need to inform you I was the victim of identity theft. I'm disputing the following accounts as they were opened without my knowledge, consent or authority. I contacted the companies and they said to file the FTC affidavit from the site identitytheft.gov. Please dspute the following accounts. They were opened wihtout my knowlege, authority or consent. 

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, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, ACCT NO.XXXX IS FRAUDULENTLY APPEARING ON XXXX , XXXX AND TRANSUNION REPORTS. 

XXXX XXXX IS THE THIRD COLLECTOR IN A ROW FOR THE SAME XXXX DEBT, THE ORIGINAL CREDITOR. 
THE PREVIOUS TWO COLLECTORS XXXX XXXX AND XXXX XXXX   WERE DISPOSED OF PREVIOUSLY BY CFPB COMPLAINT AGAINST ALL 3 BUREAUS.I HAVE ATTACHED XXXX CFPB COMPLAINTS BUT ALL 3 BUREAUS RECEIVED THE SAME COMPLAINT AT THE SAME TIME AND ALL 3 BUREAUS DELETED
Product: Credit card or prepaid card

I closed my account with XXXX 6 months ago, paid off all balances in full. This morning, I received an alert that I owe XXXX on the card. 

XXXX attempted to charge the card a dozen times, and on the final attempt, XXXX allowed the payment. I stated to them on the phone when I closed the account, that no charges should be further allowed, and they acknowledged that in the affirmative. 

XXXX has admitted their mistake, but XXXX has taken no responsibility, and said it will take 60 days to investigate my claim. This account has been closed and paid off for 6 months, with explicit instruction to deny any charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XXXX to remove these items : XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXXXXXX Balance : {$3000.00XXXX XXXX XXXXXXXX Balance : {$1400.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$330.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$260.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) that are unknown to me. the aforementioned items are erroneous and possibly fraudulent. Ive already included this in my previous Complaint & I am including it again.,
Product: Mortgage

I had made a pre-payment for the purpose of setting up a flex payment plan. This payment was made on XX/XX/XXXX. The first payment from the flex plan was supposed to occur on XX/XX/XXXX. This was a bank holiday so I assumed it would occur on XX/XX/XXXX. It did not occur. I called the servicer on XX/XX/XXXX and they told me that they did not do what they were supposed to do and that if I want to be on this plan I need to pre-ay the loan again and then wait for XXXX for the flex plan to start. This is not what I was told would happen. No one working for the servicer wants to take ownership of this issue. I was put on hold for a half hour. A supervisor picks up, transfers me to another supervisor who hung up the phone on me. Now I am on hold again.
Product: Credit card or prepaid card

My name is XXXX XXXX, the email account listed on the account is XXXX. I made an online purchase in the amount of XXXX from XXXX XXXX on XX/XX/2019. The funds were debited from my account on that day. The purchase was supposed to be delivered XX/XX/2019. However, the post office said the merchandise could not be delivered and returned the purchase back to the manufacture. At that point I submitted a disputed claim with XXXX XXXX   the company listed on my card, this was done on XX/XX/2019. They took the information, however they never resolved the dispute and I am now I'm out the XXXX. How do I get this resolved
Product: Debt collection

XXXX XXXX the company Capital One is threatened to sue me I paid on time never late
Product: Credit reporting, credit repair services, or other personal consumer reports

This vehicle was repossessed by XXXX XXXX XXXX in the State of  Virginia on or about, XX/XX/17, and resold on or about ( I was never made aware of the resale date, price, deficiency ). 
Under the laws of the State of Virginia UCC Title 8.9A. Commercial Code - Secured Transactions - Part 6 Parts 1 and 2. Default and State RISA and MVISA statutes 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. 
Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to remove these erroneous accounts. 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. These were already included in my prior complaint and I'm including them again. 

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, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Reporting act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXXXXXX. 
XXXXXXXX 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 : 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, credit repair services, or other personal consumer reports

I asked the credit bureau to do verification on everything on my credit report. They reply back to me stating that everything was accurate on my credit report. I did research myself and fought improper inaccuracies on my credit report after they did the investigation. 

XXXXXXXX XXXX XXXX  : XXXX Never 30days late XXXX XXXX : XXXX Never 30 days late, High balance incorrect. 

XXXX XXXX XXXX  I have know knowledge of this account In Accordance With the fair credit reporting Act XXXX  Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A States I have the right to privacy.

15 U.S.C 1861 section 604A Section 2 It also states a consumer Reporting agency Can not furnish A account without my written instruction.
Product: Checking or savings account

I received a check from the company I have worked for, XXXX XXXX XXXX XXXX, ( for over 2 years ), via mail on the XXXX of XX/XX/XXXX. I tried cashing it at my bank ( Wells Fargo ) on the XXXX. I was told Id have a 2 day hold on it due to my account. When I asked what they meant I was given no response. This was an inconvenience to me so I took it to get cashed elsewhere without success because bank had run my check and i had already signed it. I then had no choice but to cash it via phone through Wells Fargo app as I have done for many years. I was sent a notice via Wells Fargo app stating my funds would not be available until the XXXX being told to contact my employer/ company. I did so and was told check had no hold and was not a company issue but my banks. I have waited for an answer from the bank as to why I have been unable to use my funds and after speaking to several bank employees and managers, I have had no answers but just to refer to my employer. I have several bills I have had to pay and can not do so due to my bank I have banked with since XXXX withholding my check. I am negative on both my checking and savings due to this. On the XXXX of XXXX, growing anxious about funds not available to me and bills needed to be paid I decided to speak to a manager and demand an answer receiving several misleading responses. One response given to me was we can not disclose reasons. Another was nothing can be done until the XXXX of XXXX, were sorry. I then later that evening received a call from Wells Fargo collections dept stating they were demanding a payment to fix my negative accounts. I proceeded to state I could not pay because they had my funds on hold. They proceeded to respond there was no hold on my check and that i should call Wells Fargo customer service. At this point I am worried my funds wont be available and it will further affect not only my financial situation which is tough at the moment but also my credit. This is now going against my credit and its absurd how a bank Ive banked with for several years, since XXXX can hold a check that has been in fact been sent previously as a direct deposit for the past 2 years plus with out any issues ever arising. I am in a financial bind and afraid they will continue to hold any other checks I will receive as direct deposit. Please help me get this resolved as I feel this is unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX are reporting incorrectly a voluntary repossession on the XXXX  account number XXXX. ( Please see page attached from our credit report. ) Shortly after purchasing the vehicle the independent inspection that we had done revealed that this vehicle failed to meet the standards as required under the law for safety and also this vehicle fell under the rules required for the Lemon Law. We returned the vehicle within the time allotted and were told that there would be no negative reporting on our credit report, but that turned out to not be true. I had documentation to prove the vehicle was not up to standards however, these documents were lost in a house fire. This was not a voluntary repossession or a repossession of any kind. The vehicle was defective. This incorrect reporting of a repossession is harming our credit score and this line item needs to be removed from our credit report. I have contacted the ( 3 ) bureaus to fix this however, I have not been successful.
Product: Debt collection

My nephew and his girlfriend used my name to get a loan. She signed documents. I went to the police department and filed a identity thief. 
Sent all the papers to the Loancare. They are harassing me. 
I explained to them they have all the documents that I faxed to them. There phone number is XXXX. I spent one hour today. Telling them its not my loan.
Product: Credit reporting or other personal consumer reports

The lease was opened XX/XX/XXXX with XXXX XXXX XXXX. The loan amount is {$60000.00}. I contacted XXXX in XXXX to inform the company THAT THIS IS A FRAUD ACCOUNT. I submitted a dispute with All 3 major credit bureaus and XXXX. The item was deemed as fraud and removed FROM ALL THREE CREDIT BUEAURS. Then 2 years later EXPERIAN ADDED BACK TO MY CREDIT REPORT. I disputed again and it was removed but 2 months later the XXXX account was added back to my credit report. IVE CONTACTED XXXX Numerous times about this account and its still on my credit report and is destroying my credit. THIS IS FRAUD AND SHOULD BE REMOVED FROM MY EXPERIAN CREDIT REPORT I PROVIDED ALL THE REQUIRED DOCUMENTS TO EXPERIAN. Police reports, fraud applications, my drivers license, proof of residence etc. please remove the XXXX account
Product: Credit reporting or other personal consumer reports

To whom it may concern, This letter serves as a formal dispute regarding the grossly inaccurate reporting of account # XXXX. Specifically : The account reflects a 30-day late payment for XX/XX/XXXX on XXXX and XXXX, yet XX/XX/XXXX on Equifax. This blatant contradiction is impossible and indicative of negligent reporting. 
The " date last reported '' is also inconsistent : XX/XX/XXXX on XXXX and XXXX but XX/XX/XXXX on Equifax. 
These discrepancies are not only erroneous, but they are actively damaging my credit score and impeding my ability to obtain credit. The lack of consistency violates your obligations under FCRA 611 ( 15 U.S. Code 1681i ) and raises serious concerns about the integrity of your investigation processes. 

Additionally, I direct your attention to the recent CFPB lawsuit against XXXX for its inadequate investigations and systemic non-compliance. Let this letter serve as notice : failure to conduct a proper and lawful reinvestigation may subject your agency to legal action, including claims for negligence, defamation, and willful non-compliance under the FCRA. 

I demand the following actions immediately : A thorough reinvestigation of the late payment, including verifiable documentation proving its accuracy. 
A correction of all inconsistencies in reporting across XXXX, XXXX, and Equifax. 
An updated credit report reflecting " paid on time '' if the information can not be verified. 
This matter is urgent. Under FCRA 611 ( a ) ( 1 ) ( A ), you are legally obligated to respond within 30 days. Failure to address these violations satisfactorily will leave me with no choice but to escalate this matter through litigation, regulatory complaints, and all other available remedies. 

I expect prompt action and full compliance. Do not underestimate the seriousness of this issue.
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 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 were infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I closed my XXXXXXXX XXXX credit card on or about XX/XX/XXXX however my account is not completely accurate under the Metro 2 and FCRA mandatory requirements as the account data fields do not report my account as CLOSED BY CONSUMER with the required DATE CLOSED which is XX/XX/XXXX. To wit, my XXXX credit report of XX/XX/XXXX continues to inaccurately report my account as OPEN. XXXX XXXX  and every CRA are NOT Metro 2 Compliant as the CLOSED account status with the date closed was required to be submitted electronically promptly upon closure to every CRA, not piecemeal or never, so that the inconsistency and prohibited Facially False Data was required to be caught by every CRA to assure maximum possible accuracy. Inadequate Internal controls at every CRA and XXXX constitute a violation of the FCRA as set forth in the XX/XX/XXXX advisory of the Director of the CFPB. Delete my account permanently.
Product: Checking or savings account

Chase Total Checking + Chase Freedom XXXX XXXX {$520.00} Bonus. 

Bonus requirements : Open a Chase Total Checking account and within 90 days also get approved for a Chase Freedom XXXX credit card -- -Done ( I did open a Chase Total Checking account and opened a Chase Freedom XXXX credit card and purchased 500.00 dollars within the time period requirement for the 200.00 credit, which in fact was credited on my XXXX statement 20,000 points ( new card member bonus ) Within 90 days of opening a Chase Total Checking account receive a direct deposit which i did receive on XXXX to earn the {$220.00} bonus that was credited to my checking account on XXXX XXXX This complaint is based on the refusal of Chase bank to fulfill the final {$100.00} for the {$520.00} bonus. I called the bank on XXXX to inquire on this amount to be told to wait 5-10 business days for the amount to be credited. This did not happen, and made another call on XXXX only to be told again to wait 3-5 days and it should be credited to your checking account. Again calling today XXXX did not bring this issue to closure.
Product: Credit reporting or other personal consumer reports

XXXX XXXX charged my account off. I have not received a XXXX from the company as this is now written off by XXXX XXXX and income for me to file on my personal federal taxes. This cancellation of debit is also against the FCRA 604 ( a ) ( 3 ), prohibiting personal income included on my credit report. The in accuracy of this information is causing undo harm to my finances. I have disputed this information with the company XXXX XXXX as well as the XXXX major credit bureaus. XXXX, Experian, XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XX/XX/XXXX XXXX Bank of America, XX/XX/XXXX XXXX Bank of America, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX As a consumer, I am protected under the FCRA, which states that a person must provide written authorization or have a permissible purpose for a creditor to access my credit report. I do not recall giving my written consent for these hard inquiries, and I have no record of any transactions or applications that would have required such inquiries.

In accordance with Section 604 of the Fair Credit Reporting Act, consumer reports may only be used for the purposes described in 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that the consumer initiates.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete Furthermore, I would like to request a written confirmation of the completion of the investigation and the removal of these unauthorized inquiries. If you require any additional information to process this dispute, please do not hesitate to contact me. 
Thank you for your prompt attention to this matter. I trust that you will handle my dispute in accordance with the FCRA and other applicable laws.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 
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
Product: Mortgage

Hi there, I look a 30 year conventional loan with XXXX XXXX XXXX  for my house in XXXX. At that time I took house insurance with XXXX and updated the escrow details. Since then, I did not change my insurance company. The Loan was transferred from one lender to another and I did not do anything with insurance transfer. Recently, my loan moved from XXXX XXXX to Round point Mortgage service LLC. After the my payment increased from {$1300.00} to {$1600.00} because they applied their own insurance of {$3100.00} since progressive ( Writer - American strategic insurance ) did not provide proof of insurance. 
When I contact XXXX, they said Mortgage company did not pay for it. This went and for couple of months ( XXXX and XXXX ) where I paid {$1600.00}. Now i got a new insurance with progressive starting XX/XX/XXXX. The new insurance increased because I did not make payment before. 
So, wanted to raise a complaint to see who is responsible for this?
Product: Mortgage

On or about XX/XX/XXXX, we applied for a loan with XXXX ( now XXXX XXXX ) for a second mortgage. We entered into a contract on XX/XX/XXXX for a line of credit, in the sum of up to {$100000.00}. The contract consisted of a closing on the same date and we were advised that flood insurance was not required. We are informed and believed that the bank had an erroneous Flood Determination but in fact our house was in a Special Flood Zone Area. In addition, the mortgage claims a lien on Lot XXXX, XXXX XXXX XXXX XXXX XXXX  THE CITY OF XXXX, XXXX  XXXX, NORTH CAROLINA RECORDED IN PLAT BOOK 38, PAGE 17 when in fact our lot is 133, Section 4, Cross Creek Subdivision, in Map Book 38, Page 17 and that lot 113 is clearly not in a Special Flood Zone Area. This error clearly made the bank fail to comply with the National Flood Insurance Reform Act of 1994. 
In addition and coincidentally, at approximately the same time we received notice from XXXX  XXXX XXXX that our lot was no longer in a Flood Zone and that we did not need Flood Insurance. We believe that the error regarding the lot number and because of communication between the first and second mortgage holders regarding the erroneous lot and flood insurance requirement, {$170000.00} worth of Flood Insurance expired. 
On XX/XX/XXXX, Hurricane Florence flooded our home up to the roof. The home remained under water for about a week due to the waters receding slowly and according to the DCMS Loss Verification Report by the Small Business Administration, the home is irreparable based on depth and duration of flooding. Attached is all the supporting documentation.
Product: Money transfer, virtual currency, or money service

There is no legitimate reason to say that my website sells infringing products! 

Reference ID : XXXX My PayPal account was suddenly and permanently restricted without any valid reason and the funds in my account have been frozen for 180 days. 
I tried asking the PayPal customer service team for help but they said they couldn't help me recover my account. I have been using this account for some time and have always worked in good faith and adhered to all policies and user agreements stated and agreed to when I signed up for the account. 

I have taken every step to minimize the risk associated with my account, but PayPal has still permanently restricted my account and says there are potential risks associated with it. 
I would request any information as to why PayPal feels they must restrict this account. There is no reason to permanently close my account as I believe I did nothing wrong to cause the account to be closed. Therefore, I am asking PayPal to re-investigate the issue and help resolve it. I'm willing to provide any information needed to investigate and help recover the account. I am willing to work with PayPal to minimize perceived risk. I'm asking you to help me recover my account. 

Reference ID : XXXX