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

I am writing to your office in relation to my ongoing concern regarding inaccuracies in my credit history, which, despite my previous communication, remain unaddressed. 

As previously stated, the disputed accounts were : XXXX - Account # : XXXX, XXXX - Account XXXX : XXXX, and XXXX XXXX XXXX XXXX - Account XXXX XXXX XXXX, continue to be incorrectly reported on your records. 

I have previously informed you that these discrepancies have been rectified and deleted on my XXXX credit report. The inconsistency between XXXX and Experian report with that of XXXX prompts questions about the accuracy of their verification processes. It is disheartening to see discrepancies tolerated, as it appears to be a violation of my consumer rights under the 15 U.S. Code 1681i - Procedure in case of disputed accuracy.

As per my comprehension, this law entails that upon notification of a dispute, the consumer reporting agency should conduct a reasonable reinvestigation within a 30-day period to determine the accuracy of the disputed information and remove them from my credit report if they are found to be inaccurate. Despite previous attempts, the inaccuracies still persist on my credit history, causing significant mental and emotional distress and affecting my reputation and my credit ratings. And still, you continue reporting the same inaccurate accounts on my file.

I am asking them to take immediate action to rectify this situation and ensure that my credit report accurately reflects my true credit history.

I want to bring to their attention the potential legal implications outlined in the Civil liability for negligent noncompliance. Negligence in complying with the requirements may result in liability for actual damages and legal costs. 

I urge these credit bureaus to promptly correct and delete these inaccuracies to align with XXXX 's records. I believe this is crucial not only for the accuracy of my credit history but also to uphold the standards set by consumer protection laws. 

Your immediate attention to this matter is appreciated, and I anticipate a swift resolution to alleviate the distress caused by these inaccuracies.
Product: Credit reporting or other personal consumer reports

Consumer Name : Consumer Name : XXXX XXXX XXXX Consumer Social Security Number : XXXX Consumer Date of Birth : XX/XX/year> Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

Unknown account with XXXX XXXX, disputed and requested validation. Please help
Product: Money transfers

I received a package in the mail for a work at home opportunity. It was a XXXX for MoneyGram. A check was enclosed with a complete instruction memo on how to complete the task. I did exactly what it instructed, I deposited the check for {$1900.00} into my account and once the funds were released I withdrew {$1700.00} to make the XXXX separate transactions. I went to XXXX separate MoneyGram locations and made the transfers successfully. A couple of days later XXXX called and said the check was returned. XXXX separate transfers were done, XXXX to XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, TX XXXX and the other to XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, TX XXXX. The communication came from an XXXX XXXX and the reply emails were as such : XXXXXXXXXXXX or XXXXXXXXXXXX XXXX. 
Email report to XXXXXXXXXXXX for how you rated the customer service you received at each location. The XXXX after the fact said they have had several of these incidents and checks returned after being accepted into their banking accounts.
Product: Vehicle loan or lease

I purchased a XXXX XXXX XXXX  through sensible auto lending and was paying weekly until the last payment. I was not notified that the last payment cant be processed by the card they had on file they require a different form for the last payment. In XX/XX/XXXX I was denied a loan for a car stating that I had defaulted on my loan and the car was repossed. The car was actually totaled in XXXX and I continued paying. 
When I reached out to the company they kept giving me excuses of why they couldnt allow me to speak to a supervisor. After over a year of no one calling me back or sending me a copy of this last bill I disputed the false claims of the payments being late and that it was not repossed and also now that instead of providing me the information I requested to pay of the debt they told me to continue disputing it with XXXX and wait until it falls off my credit report. They refused to put the person that confirmed the information has been correct on the phone and when a customer service representative finally got on the phone after 3 hours today she after 7 attempts put a supervisor on the phone that disputed the information I was providing. 
I have been trying to resolve this since XXXX of XXXX and at every attempt I was refused the corporate office number or to speak to the person confirming the accuracy of the information on XXXX. You would think after over a year or calling I wouldnt be spoken to as if I was bothering the supervisor when Ive waited over a year to speak to one.
Product: Credit card or prepaid card

I returned a gun safe to Costco and Capital One has not sent me a check for the credit
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax never notified me of investigation status. I just received alerts that XXXX changed. Equifax opened up disputes in accounts that I NEVER requested to be disputed and added comments. These are all in good standing and I have nonissues with the creditor.
Product: Credit reporting 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. 15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 ) ( XXXX ) 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: Mortgage

Pennymac accepted a forbearance on my fathers estate in XXXX. He died and left me his home in XXXX that he financed thru a VA loan. I have been the making payments for over 5 years now. I missed a few payments during the covid outbreak after requesting forbearance due to the pandemic hardship. I am the successor in interest and requested a forbearance in the spring of XXXX. Pennymac has been repeatedly demanded a quit claim deed on the property. I talked to the court clerk and they said that document in Oklahoma is not worth the paper it is written on. It it used for the private sale of property and is not used in probate or estate administration and she was puzzled as to why they would request the document at all. Since my father is the only person who can legally sign that document and he is deceased, it is an impossible task. I have started a full probate but they seem unwilling to wait for the correct and legal way to administrate the property. They have never offered me a modification plan even though I have requested it dozens of times over he past year and a half. Early last year while on the phone with Pennymac 's own lawyers who said a quit claim deed was not needed to start a modification because there is a successor in interest form filed with Pennymac and the very fact they were on the phone and discussing the note with me is more than enough for a modification to start. I have sent them all the paperwork on the probate and I was told I should not worry and Pennymac was not going to start foreclosure proceedings. Well they have sent me paperwork saying they were going to foreclose and demanding the full sum several times now. I keep getting calls about the past due and no mention of modification. They have turned down the modification twice due to not receiving a quit claim deed. Like I described earlier, that is impossible to get without going to probate court and they know there is a court date scheduled for XX/XX/XXXX. Nothing can be done until then. I just want a modification plan so I will quit getting calls and letters saying they are going to take the property. I am able to make payments now and have not missed any payments since the few months of forbearance in XXXX nor did I miss any before. I have also been paying more than my payment amount to catch up on the past due. I can not even make a payment online, I have to call on a weekday and talk to several people and spend about 45min to an hour on the phone. They have made it very hard to simply make the monthly payment. Please help me get a remedy to this nightmare. 

Thank You XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

A collection from Complete Credit Solutions was added to my credit report around XX/XX/2019. On XX/XX/2019 I filed a complaint with the CFPB stating that the account was illegal, null, void and not collectible. Complete credit solutions stated that they would delete the collection from all 3  credit bureau reports. However, Im showing that this account has not been deleted.
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 highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 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. P
Product: Credit card or prepaid card

Chase card services sent me my XXXX statement with a value listed as Interest Saving Balance that states pay this amount to avoid interest on your next statement. The amount was listed at {$5100.00}. The amount was paid before my listed due date on XX/XX/2020. Yet on my XX/XX/XXXX statement I was charged interest in the amount of XXXX. I believe this interest should not have been charged as I paid the listed amount to avoid the interest charge.
Product: Checking or savings account

Hancock Whitney Bank charged me with {$360.00} with over draft fees when I was only overdrawn {$79.00}. I have no problem paying the {$79.00} & they can close the account. I didn't want the overdraft protection but was told to leave it on there because I'm XXXX XXXX XXXX & I should leave it because of my medication. They just kept hitting me with overdraft fees for {$5.00} or {$9.00} charges. Also I did contact the bank & asked for someone to call me back & have never heard from them until this morning when I received a letter from them about the {$430.00} they want from me. 

I am XXXX live on XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The company was written XX/XX/2022 and advise to update my address which is my current address and name and not number they said I sent a letter with a request to update my personal. 

I believe someone is fruading my personal information because old information is showing up in my account
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, my wife, a 12 year chase customer, gave me, a 4 year chase customer, a check for {$7000.00} towards down payment on a purchase. I deposited the check via the mobile app. I later found out Chase flagged this check down as fraud, but did not notify either me or my wife. The check showed to clear in my account via the app, and my account showed XXXX $ total. 

On XX/XX/2023, I went to the chase atm to withdraw {$300.00} but was denied as it said my account was locked. I went into a branch and the manager told me my account is on hold as chase had flagged the check from my wife as fraud. I explained that it was a check from My wife and asked what we can do. After an hour and half of phone calls between the manager, chases fraud department, and me. The manager told me my wife has to call in and thats the only way to do it. 

I told my wife this, who tried several Times to call the fraud department and clear the check, only to be told that she can not and that the fraud department has to call her instead. We called together to find out what to do next, we were told that the only way to clear up this alleged fraud is to have the fraud department call the check issuer ( my wife ) and have her authenticate it, but they can not call her because her phone number can not be verified by their verification service ( XXXX ). Despite my wifes phone number to be a XXXX  account in her name that she has had for over 20 years. 
Furthermore, the rep told us that if this doesnt get resolved within the next 10 days, they will close my account, send me a check for the balance, but the {$7000.00} from the check in question will be sent to the treasure department as fraud! 

We ended up going to a local branch. Several hours later the manager scanned both mine and my wifes drivers licenses and debit cards and sent them to the fraud department as proof that we are both there and saying this check is legit. Then Told us they have to send this to a back office which has to clear the hold, and it will take 45 minutes. 

We went back home, and I returned to the branch an hour later. My account was still on hold. I went back to the manager XXXX XXXX, the only helpful person at chase ), who told me that despite him sending them our drivers licenses and debit card as proof, the check was still denied as fraud and they still cant verify her phone number to call her. 

I never felt so hopeless in my life, I honestly thought the money was gone. I told XXXX the manager I was not leaving until something was resolved and we spent the next 2 hours making 25 phone calls to regional managers, directors, eventually they cleared the check, I immediately withdrew all my money and went to XXXX. I ended up spending a from XXXX until XXXX XXXX  dealing with this and feeling completely powerless to do anything about it. The most horrible banking experience of my Life.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against National Credit Adjusters , LLC ( NCA ) for their failure to respond and address their serious violations despite multiple attempts at resolution. 

On XX/XX/XXXX, I notified NCA of multiple violations of consumer protection laws ; unlawfully obtaining and sharing my personally identifiable financial information, constituting identity theft under Federal and California state law ( Cal Pen Code 530.5 ), with suspicions of extortion for debt collection ( potentially violating 18 USC 894 ). Furthermore, NCA breached consumer protection laws, including 12 CFR 1022.3 ( h ) and 15 USC 1681b ( a ) ( 2 ), by sharing my data without consent, violating the Fair Credit Reporting Act. Despite this, NCA failed to acknowledge or respond to my concerns.

In my follow-up email to the CEO, CFO & General Counsel on XX/XX/XXXX, I reiterated the violations and extended a settlement opportunity to resolve the matter swiftly and amicably. I also highlighted NCA 's previous violations and subsequent settlement with the CFPB in XXXX for similar violations, indicating a pattern of deceptive business practices. Despite these reminders, NCA has remained non-responsive. 

The lack of response from NCA is concerning and demonstrates a disregard for consumer rights and legal obligations. As a result, I am left with no choice but to escalate this matter to the CFPB for assistance in resolving these violations. 

I urge the CFPB to investigate this matter promptly and take appropriate action to hold NCA accountable for their actions. Furthermore, I request your assistance in ensuring that NCA complies with consumer protection laws and remedies any harm caused by their violations. 

Thank you for your attention to this matter. I trust that the CFPB will take swift action to address these serious violations and protect consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've never lived in California. I was not the individual who lived at XXXX suits I lived in a different XXXX suits In XXXX nv. In 2018 I lived in XXXX XXXX XXXX did not pay an nv energy in not good at messing but I want to fix wrong information is affecting me
Product: Checking or savings account

Bank teller applied my cash deposit to account belonging to another bank customer. I have the deposit receipt showing the incorrect account. The bank manager has to wait for an investigation to be comleted. This delay in correcting the bank 's obvious error will prevent me from making my truck payment, causing damage to my credit file that will take years to overcome and will lesd to higher credit costs for me.
Product: Mortgage

I have a hard time trying to resolve my 1st & 2nd mortgages through a short sale. These are 2 very bad loans from subprime XXXX, from the mortgage crisis. I like many Americans did not realize how bad my loans were until the mortgage crisis hit. I tried to fight these bad loans with an attorney to keep my home. I was, unfortunately, unable to do so, and am currently doing a short sale. Both of my loans have been sold. XXXX XXXX has the first. The 2nd was charged off because it was terribly upside down, and Real Time Resolutions has now. XXXX XXXX has approved a short sale based on there BPO & appraisals at {$730000.00}. XXXX XXXX has approved a {$6000.00} payoff for the 2nd lien. Real Time Resolutions is not willing to approve my short sale. Even the real estate company reduced the fees to 3 % total to help me get approved. 

Real Time Resolutions originally asked for {$29000.00} dollar payoff. My real estate company explained to them how absolutely ridicules, and possibly illegal that request is. Real Time Resolutions then dropped the amount to {$15000.00} stating they need 10 %. XXXX XXXX investor guidelines will not allow more than {$6000.00}. Real Time Resolutions is forcing me into a foreclosure. 

My main complaint against Real Time Resolutions is obvious greed and predatory lending practices. Real Time Resolutions is stating that because my 2nd lien is not XXXX XXXX or XXXX XXXX they will not accept {$6000.00}. These are obviously good guidelines for mortgage loans. BUT because my loan is a fraudulent subprime loan from the mortgage crisis from XXXX they will only accept {$15000.00} or more! How is that even legal in America? How can this company ethically behave like this?? Because my loan is a bad loan from the mortgage crisis they demand more!! This is plain and simple predatory lending practices.
Product: Credit card

Postscript After I have notified the seller ( XXXX XXXX XXXX ) of XXXX the termination of conversation on the message function of the XXXX, the seller still contacted with the message portal of XXXX, therefore, I answered as shown on the print-out with this postscript. I tried to contact with XXXX customer service, XXXX, with a slight hope to be able to contact ; however, the email was not received at all. Since I have the previous experience that there was no strong online customer service with this company, XXXX, I have decided to add this part with print-out to show what I have tried to do for the peace of my mind. I strongly wish this seller will not contact with me, since there is no point that he/she just continue to say same thing to prove his/her products is right. And I believe it is natural as a seller, but he/she just continue to say same thing without any proceeding. Therefore, I preferred to stop the transaction, but he/she continues. XXXX said the seller cancelled the transaction at XXXX XXXX, but I am not sure what that means clearly. The message did not clearly say the refund or anything. Anything all, I just wanted to say I want to make my products, not sellers. I believe he/she just say, sorry to happen and try to solve the issue without causing anger and frustration of the buyer. Anyway, I have bought once from this seller in summer, and that data was disappeared by the XXXX, as far as my friends said. Maybe, I am over-reacted ; however, most likely, many XXXX and other XXXX university students, faculty, and staffs are fighting with similar reactions. These seller and customer services should realize and learn how to contact with the customers, who might have the cyber-attacks. 

When I tried to move this seller to spam file of XXXX conversation, since I did not want to spend my energy and sanity by continuing this seller, I found out there were XXXX boxes of same seller. One was asking help, and another continued to send the mail. I am not sure what this help means since I have tried to find out the help function of XXXX to ask the advice to finish this matter. However, I could not find out at all. I believe this might be one of the reasons this irritable conversation continued. Since I am not sure why there were XXXX conversation boxes from the same seller, I instantly had the feeling he/she was a XXXX which caused me the feeling of disgust. I feel so because I had weird mails for several semesters. 

Since the seller said the pins are safe to use. I will use them by using the plastic origami papers, which are shiny and charming. And I will sell most likely {$1.00}, with the explanation to my customers, who are used to see the beautiful XXXX rice paper products, regarding this experience. I do not use the plastic origami for my products usually, even though I have a question how to deal with the edge of pin base, where the liquid part of glue contact. Anyway, I will try. The XXXX shop says safe, so please get it by {$1.00}. 

Sincerely,
Product: Credit card

I have emailed Chase a police report from where my wallet and identification along with my personal identification information.

I have emailed Chase a copy of the identification theft report.

I have emailed Chase a copy of my power will with my address.confirming it was different from the address the credit card was sent.

I have emailed Chase a copy of my insurance bill to my address. Also a different address from the one they sent the credit card to.