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

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

XXXX XXXX Balance {$0.00}
Product: Mortgage

GMFS does not have sufficient staff working in their loss mitigation department. Each time I call, I am told that they are having abnormally high call volume and always have to wait over half an hour to speak with anyone in the loss mitigation department. This is endlessly frustrating and a massive burden for GMFS borrowers. They should either hire more employees in the department or stop servicing more loans than they can handle.
Product: Debt collection

Bought male supplement online with credit card for {$75.00}. It came in the mail, no problem. Then I got a letter from National Medical Administrators , Inc. saying their office has been retained by a creditor XXXX XXXX XXXX. They are trying to charge me an additional {$110.00} for this product XXXX XXXX XXXX. I should have checked them out. When I did check them on the XXXX XXXX XXXX, the were a lot of complaints of the same thing. Total intimidation scam. Tried to contact them, but got nothing, but a run-aground. Here is their information. NATIONAL MEDICAL ADMINISTRATORS , INC. XXXX. XXXX  XXXX, XXXX, GA. 
TOLL FREE # XXXX XXXX # XXXX FAX XXXX, XXXX CREDITOR : XXXX XXXX XXXX. Date received letter XX/XX/2021. My bank has been notified of this scam. I TOTALLY refuse to pay additional money for something I already paid for. These FRAUDULANT people MUST be STOPPED! Signed, Very angry XXXX XXXX Veteran.
Product: Payday loan, title loan, personal loan, or advance loan

The company OPORTUN opened a loan without my authorization, my sister stole my identification and opened this loan without my consent, when I learned about this fraud I filed a police report and a FTC report. I contacted Oportun 5 times, receiving no help from them. They lied to me several times that I would receive a package from them containing documents to fill out to report the fraud, which was never sent and they have given me several ticket numbers, all 4-5 of which have somehow disappeared from the system when i call back to follow up. they have not canceled the loan which continues to generate interest, and for which I have had to freeze my credit. I have also placed a fraud alert with the credit bureaus. But now i do not know how to deal with the loans with Oportun. To clarify, the lending company is XXXX, but I believe Oportun is the brokerage.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute of Inaccurate Charge-Off Information in Compliance with Metro 2 Standards Dear TransUnion Dispute Resolution Team, I am writing to formally dispute inaccurate information contained in my credit report in accordance with the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance standards. The item in question is a charge-off account which I believe is inaccurately reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Nature of Dispute I contend that the reporting of the charge-off account is inaccurate and does not comply with the Metro 2 guidelines, specifically concerning the accurate representation of account status, date of first delinquency, and any subsequent updates. The current status of this account on my credit report is causing significant harm to my creditworthiness and is inaccurate for the following reasons : 1. **Inaccurate Reporting Date : ** The date of first delinquency and the date the charge-off was reported are inconsistent with my records.

2. **Compliance with Metro 2 Standards : ** The information does not align with the standardized format required by Metro 2 guidelines for reporting accurate and complete data. 
XXXX. **Legal Precedents : ** There have been notable cases where inaccurate reporting of charge-offs led to successful lawsuits against credit reporting agencies. For instance : - *XXXX XXXX TransUnion LLC XXXX XXXX ) : ** The court ruled in favor of the plaintiff, establishing that TransUnion had reported inaccurate information which did not comply with the FCRA standards. 
XXXX XXXX XXXXXXXX TransUnion LLC XXXX XXXX ) : ** The court decided against TransUnion for failing to maintain accurate records, leading to harm to the consumer 's creditworthiness. 

XXXX XXXX XXXX Requested Action I request that TransUnion : 1. **Conduct a thorough investigation : ** Verify the accuracy of the charge-off account information in question. 
XXXX. **Correct any inaccuracies : ** Update or remove the charge-off entry if found to be inaccurately reported. 
XXXX. **Provide written confirmation : ** Send me a copy of my updated credit report with the corrected information. 

# # # Supporting Documentation Enclosed are copies of documents supporting my dispute. This includes copies of my credit report highlighting the disputed charge-off, relevant account statements, and any correspondence with the creditor. These documents provide evidence of the inaccuracies and substantiate my claim. 

# # # Conclusion Under the Fair Credit Reporting Act, you are required to investigate my dispute and correct any inaccuracies within 30 days of receiving this letter. Failure to comply with these requirements may lead to further legal action to protect my rights.

Thank you for your prompt attention to this matter. I look forward to your resolution of my dispute and receiving a corrected copy of my credit report. 

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

XXXX/XXXX is reporting incorrectly to Experian a balance due of {$680.00} on the XXXX/XXXX partial account number XXXX. ( Please see account information attached. ) This account does not belong to me and was opened fraudulently. I do not now, nor have I had in the past, an account with XXXX. I have tried numerous times to reach XXXX to remove this account from my name however, I have not been successful. This incorrect reporting of an account with a balance due, that does not belong to me, is harming my credit score. This line item needs to be removed from my credit report. I have also contacted the bureau to remove this line item however, I was not successful in that endeavor either.
Product: Mortgage

I paid off my mortgage on the XX/XX/XXXX. Despite several contacts, Alliant Credit Union nor their mortgage partner has completed the release of lien on my property. This is despite numerous calls, emails requesting this. They have disregarded my requests they have pointed the finger at the other, they have lied directly to me several times. Today is XX/XX/XXXX. It's been four months and there is nothing provided on property deed nor on the XXXX County Recorder 's website. We received an insulting, unsigned letter from Alliant which was a form letter from their Customer Service department. 
I paid them what II borrowed. I paid as required and then some. They want to keep my property?
Product: Debt collection

the wonderful folks at Jefferson Capital Systems have purchased rights to collect debt against XXXX XXXX ( NOT XXXX XXXX ). and yet they hit my credit report will the debts of a different person. 

they called dozens of times, would not say what it was about, and last XX/XX/XXXX when going through mail I noticed there was a collections letter from them for XXXX XXXX ( NOT XXXX XXXX ) and yet they put that garbage on XXXX XXXX XXXX credit report & then proceeded to harass XXXX XXXX endlessly over it. 

here is URL of image of scan of debt collection letter which clearly shows they have the wrong name XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX, I deposited money at a Chase ATM at the address at the bottom. I put in exactly {$4500.00}, using $ XXXX and XXXX $ XXXX. I immediately called Chase to report it. After hanging up on me twice, they agreed to open up an inquiry and temporarily provide me with credit for the amount. Today, XX/XX/XXXX, they sent me a statement saying that their investigation is only giving me credit for {$2800.00} of the {$4500.00} I reported. I once again immediately called Chase, who hung up on me again, before telling me there was nothing they could do, and providing no rationale or evidence for their claim that I had not deposited {$4500.00}. I offered to provide witnesses to the amount that was deposited. They wouldn't accept it. I asked for the security footage that the investigation team must have reviewed, they declined to provide it. I asked to reopen the case, and they once again declined. I am not sure what to do at this point. I put in {$4500.00}. I have witnesses, including the person who handed me that {$4500.00}, but Chase is not willing to listen. I don't know what kind of investigation they did if they won't even talk to me -- the victim of their ATM 's failure. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NY XXXX Phone : ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I have tried to reach out to the Experian credit reporting agency everyday isnt i realized my identity had been stolen and then they have sent me a email accusing me of lying about my identity theft and didnt allow me to defend what ever information that they where getting didnt provide me with info I cant. See if it was taken off or not they have been very one sided and seem to favor the companies and not the truth and dragging this out i know just because Im on the XXXX  and dont catch on as fast i know when something is not right ive been trying to lear these things with them for over six months then i went to the library and they explained that i was battling the identity theft so Im learning the steps slowly but surely but i would have known if they would have helped me six months ago when i was trying to reach put and if they would have put the note explaining a lot of ppl have my information and i have been in data breaches the note on the account would have prevented the misuse of information and the approval of accounts I dont have a aretaker as of know because my grandmother has passed Im working o getting help through services in my area before my family steals the rest of my belongings.
Product: Credit reporting or other personal consumer reports

These Hard Inquiries dont belong to me, hasnt being authorized by me and has to be removed. Also this as well. Thanks XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have paid mortgage to Wells Fargo for 25 years. I ran a title search that says I refinance 3 different times. I never refinance. And I own almost as much as I did from day one. I took out XXXX loan and still owe XXXX in 25 years
Product: Debt collection

On XX/XX/2022 XXXX added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and i am no longer responsible for the account. Debtor creditor did not verify this collection. Also there was no written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA XXXX has violated my rights as a consumer and i'm requesting legal action to remove this account immediately
Product: Mortgage

city of XXXX, va treasurer made a fraudulent request from my mortgage company mr cooper for taxes when both knew I was tax exeampt the city receive and overpayment cooper never returned my escrow nor provide proof of payment made to the city of XXXX, va nor never returned my escrow account
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, Americollect Collections of XX/XX/2022 added to my credit report 5 collections in the amount of XXXX, XXXX, XXXX, XXXX and XXXX. These collections have been added to all three of the credit bureaus. They have tried again to reach me by phone several times after which I asked them not to contact me any longer. This consumer agency has violated several laws 15 U.S.C. 1681 Section 602 A ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 U.S.C 1681 Section 604 A ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 15 U.S.C 1692 Section C ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

Bureau Name EOS CCA Original Lender XXXX XXXX XXXX XXXX Account Number XXXX Account Type Not Reported Responsibility Individual Credit Limit Not Reported Highest Balance {$120.00} Date Account Opened XXXX XXXX 2014 Payment Details Amount Past Due Not Reported Date of Last Payment Not Reported Monthly Payment Not Provided Payment Frequency Not Reported Lender Info
Product: Checking or savings account

I recived and deposit a check of {$900.00} on XX/XX/year>2024 from XXXX XXXX  and issued to me on XX/XX/scrub>/2024. Unbenowced to me the check was stolen and deposited into another accoount on XX/XX/scrub>/2024 that I do not own or have any knowledge about. I reach out to Wells Fargo that same night once I notice that the {$900.00} that I had deposited was now withdrawn from my accout. The agent I spoke to was not very knowledgeable and said my account and rounting number taking and that i should close out the account and created a case that doesn't seem to exist. I visited the branch on XXXX XXXX in XXXX XXXX on XX/XX/year>2024 were I was assisted by a banker who had discovered that the check had was stolen and deposited into a XXXX account. She advised me that the account wasn't compromised so I shouldn't need to close the account. She then when on to try to reach out to internal departments to see if we could get the issue resolve but it was all to no avail. I reached out to Wells Fargo again on XX/XX/year>2024 to check the status of the case that was filed with the original representative on XX/XX/scrub>/2024 and they ened up filing another case and stated the money should be refund after the investigation. After the 10 business day I called to check the status of the case and they stated there was nothing they could do since the check was cashed again, even though the check that was issued to me in my name, address, and signature had already cleared in my account. I don't understand how my financial institution allowed another on to withdraw money from my account and how XXXX allowed someone to deposit a check that was not issued to them.actions.
Product: Checking or savings account

I had fraudulent activity on my account last night ( someone got into my online banking account and changed my contact information. ) I immediately called my bank and they told me that they froze my card and will monitor my account. This morning someone used my debit card number to steal almost XXXX dollars from me. When I spoke with my bank they said that the card actually wasn't closed until this morning, not last night like they said. I believe that my bank was negligent and is responsible for me having my money stolen because if they closed it when they said they would, this would not have happened. Despite this being a mistake on their part, they were unwilling to work with me and said that I have to wait up to ten days for my money to be returned, meaning I will be late on rent and other bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX I sent a letter regarding inaccurate and unknown things on my credit report. 
to this day over 60 days 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 within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Product: Debt collection

Multiple calls from Freedom Debt Reform. Multiple text messages from Freedom Debt Reform. I never requested this information and I do not have any debt. I am on the federal do not call list.
Product: Credit card or prepaid card

I had financed furniture with Ashley Furniture XXXX Synchrony Bank, with a promotional finance term of 0 % interest for 12 months. After expiration of the promotion ( XX/XX/2023 ) ; bank charged me almost {$4000.00} interest on my remaining {$6700.00} ( approx. ) balance. This is absurd as i was not aware of the term " Deferred Interest Rate '' which would apply to the original finance amount, not the balance remaining. I tried calling them to negotiate it and have had requested to pay off the entire balance all in once, but they are not budging at all and being firm on the interest rate. This puts me in a off balance financial situation where i am nothing but obligated to pay this absurd amount. 
Please assist.
Product: Checking or savings account

I was scammed into thinking Bank of America called to inform me of fraud. The person said there was a fraudulent transfer of money to a XXXX XXXX account and asked to verify information. They asked to confirm my email address and said the funds would be reversed, however, I then received emails confirming a XXXX transfer from my BOA account to this other XXXX XXXX account in the amount of {$3500.00}. I also received an email with the location of the ATM that they were using to take the money out as it stated they were over their daily limit. I also received two other emails that stated I transferred {$1000.00} and {$2500.00} successfully. I immediately reported the fraud to Bank of America, who filed a claim. XXXX XXXX was also notified and I spoke to numerous agents who confirmed my email on the fraudulent XXXX XXXX account, along with a pending {$3500.00}, but stated they could not do anything until they received the fraud claim from BOA. I will be filing a police report and include all emails received from the fraudulent XXXX XXXX account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted west lake service auto, XXXX XXXXXXXX auto, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all banks & XXXX XXXX XXXX on XX/XX/XXXX & XX/XX/2023 I was told it has been a mistake on pulling my credit and I do not have any accounts with them at this time. I asked if they can remove my inquiries as well do me being unaware of these companies pullings my credit without my permission.
Product: Debt collection

On XXXX I called CREDIT MANAGEMENT LP to discuss the debt showing on my credit report. They were unable to locate it with my name and my social security number.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the Equifax credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX XXXX Account Balance : {$58000.00}
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 XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXXXXXX, which mandates a reasonable investigation of disputes. Furthermore XXXX 's actions may also contravene the Consumer Protection Act ( XXXX ) XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  as highlighted in the CFPB 's recent administrative proceeding XXXX XXXX XXXX XXXXXXXX ) against them for similar violations. I request the CFPB take action to ensure XXXX compiles with federal law and provides consumers with the necessary proof of investigation. 

Below are the accounts that are inaccurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

In XXXX XXXX I contacted Truist Bank about unauthorized transactions to my checking account. I have filed a previous complaint about these fraudulent transactions in which Truist Bank responded by doing absolutely nothing. I mentioned charged were being done on my checking account in Georgia when I have never lived or used my account in Georgia including debit card transactions. Fraudulent checks were being deposited in Truist Bank ATMs in Georgia. The bank one day later sent me a notice stating the transactions were authorized by me and declined any assistance. I then filed a CFPB complaint asking for proof of their investigation. Under the FCRA ( Fair Credit Reporting Act ) when a consumer filed a complaint with a lender the consumer has the right to ask and and receive proof of the investigation. Truist Bank has refused to show me any documentation of any investigation that shows I authorized any fraudulent check deposits or debit card purchases to my checking account. Since Truist Bank proceeded to place a negative XXXX report on XX/XX/XXXX I am requesting proof of the investigation. Whether that means atm surveillance showing who accessed my account and deposited fraudulent checks, electronic activity showing they investigated the fraudulent debit card purchases. Truist states they have an identity theft claim/investigation that they opened in XXXX but I received no documentation of the identity theft investigation or the outcome of this investigation. I feel Truist Bank did not due to an investigation because I requested proof multiple times and received no documentation or proof of any investigation. Since Truist Bank can not produce any documentation showing I specifically authorized these fraudulent check deposits and debit card purchases I am requesting Truist Bank to remove the negative XXXX report completed on XXXX XXXX XXXX I am also requesting Truist Bank to remove the negative deposit activity and to absolve me from this due to identity theft.
Product: Checking or savings account

this is my clam number with wells fargo XXXX and I am having to call to get updates after being promised updates I would really appreciate a credit while they resolve this issue as I do still have bills while the resolve this
Product: Debt collection

I have XXXX XXXX ASSISTANCE PLAN CODE XXXX. 
So I dispute this Debit : " XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2100.00} ''
Product: Money transfer, virtual currency, or money service

Paid {$50.00} to hold a refrigerator via PayPal on XXXX XXXX. When the " seller '' starting asking for more money, we said " no and please refund us our money '' they shut down the account being used and removed themselves from the chat ( I have screenshots of the chat as well as some of the user data before they removed it ). 

I submitted a complaint to PayPal with the same info above, and they responded with " This looks like a normal transaction so we aren't going to do anything. '' The user also removed their profile from PayPal so I can't contact them directly like PayPal directs me to. I'm attempting to escalate the issue via PayPal but don't see where i can do that. 

I guess if it feels like a scam, it is one.