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

I received a text on XX/XX/scrub>XXXX XXXX XXXX XXXX  asking if I recognized a transaction from XXXX for {$400.00}, which isnt uncommon as I have gotten these messages before. I replied no and got a reply saying a representative would be reaching out. 

Shorty after I got a call from someone stating they were with Chime bank and I needed to follow instructions to get a refund on a transaction before it posted. 
I was initially hesitant but after talking with them I realized the number that had called me was the phone number to my bank. Therefore I felt I should trust this process and do what they say. There was request on the app for a Chime Payment Reversal. They had me do this but it actually ending up sending this person {$1000.00}. 

I filed a dispute with chime and it was denied as they said they are not responsible for scams. 

Date of incoming phone call : XX/XX/scrub>XXXX XXXX XXXX XXXX   Amount : {$1000.00} Filed dispute on XX/XX/scrub>XXXX  and it was denied on XXXX  Company- Chime Bank I have attached screenshots of my call log that shows the incoming call and also time of the transaction. 

Its very deceiving as I would have never done this without the incoming phone call from my bank. The phone number matched so I assumed It would be okay.
Product: Credit card or prepaid card

Made a payment paying the full balance on XX/XX/22 payment cleared bank XX/XX/22. I called to rectify the issue, they advised that there is nothing they can do. Funds will be available on XX/XX/22. I requested to speak with a supervisor. The representative placed me on hold for 45 minutes and eventually terminated the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

account/names/all not mine filed FTC report : office of the atty gen XXXX XXXX XXXX XXXX XXXX XXXX Louisiana XXXX XXXX XXXX XXXX XXXX address are not mine : XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Debt collection

My credit report states that I owe {$1500.00} to Paragon Revenue Group. I called Paragon Revenue Group and was told that this was the correct amount and was given my account number to make payments. When I enter my account number and attempt to make payments, the balance of all accounts totals {$2300.00}. I called XXXX in attempt to dispute the incorrect balance and was told the extra charges are from a balance that was previously paid and removed from my report, yet they are still attempting to collect it.
Product: Credit reporting or other personal consumer reports

Your company has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The CFPB, Consumer Financial Protection Bureau has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where your company has neither corrected nor removed disputed items despite the evidence, I provided causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts as these inactions violate federal law.
Product: Payday loan, title loan, or personal loan

I do not officially get paid until every other Friday, but due to the type of bank account I have, my bank will deposit my paycheck around mid-day Wednesdays. Payday America is trying to withdraw from my account as early as XXXX XXXX  on Wednesday, and this is causing my account to overdraft due to my paycheck not even being deposited until several hours later, so now my account is overdrafted {$390.00} due to this. They did this on XX/XX/23 and overdrafted my bank account, 2 days later my bank denied to ACH and reversed the charge. Payday America completely skipped my last payday and without any warning debited my account again this morning, causing me to overdraft AGAIN. I have more bills then them and how am i suppose to pay my more important bills now that half of my paycheck has been taken before I can even get access to it myself, and with no heads up that they planned to attempt again. I have no money to even eat after the rest of my paycheck is used on my utilities and rent and will now be getting charged very expensive overdraft fees from my bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

The FCRA states that all information reported on a credit report must be 100 % accurate or it must be deleted from the credit report. I sent letters to all bureaus to regarding XXXX/XXXX  account. I asked to update, fix or delete this account because of the inaccurate information they are reporting on my credit report. They said it was verified, that the reached out the creditors/collectors and that information was verified or accurate. Nothin was done to my report, it's still showing inaccurate information. This is the inaccurate information that they are reporting to my credit report. 

Account Type - Detail : Incomplete Date Opened : Inaccurate High Credit : Inaccurate Credit Limit : Inaccurate Last Reported : Inaccurate Date Last Active : Inaccurate Date of Last Payment : Inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE INQUIRIES DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE INQUIRIES GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE INQUIRIES ARE ALL XXXX  RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THESE INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Product: Credit card

I received a XXXX form Chase Bank charging off my debt owed to them, I opened an account with them in XXXX when in the military and up until XXXX never missed a payment. This was a joint account and in XXXX XXXX I got a divorce and was ordered to carry this amount with me. In XXXX I was advised to stop making payments and fell behind. In XXXX I received the XXXX charging off my debt. I filed the charge off on my XXXX federal tax return and thought I was done. 

Chase had been reporting on my credit report that the balance had been charged off and was showing at {$0.00}. When XXXX requested a background check on all employees in XXXX the account on my credit report reverted back to the original balance and my credit score dropped almost XXXX points. I just want Chase to show my balance at {$0.00} and not past due. I know it will remain on my report for a certain amount of time but reporting it as is will really continue to hurt my credit rating. It seems to me that Chase is double dipping, they charged off my account and I file on my taxes for the funds and now they are still saying I owe on my report.
Product: Credit reporting or other personal consumer reports

I have sent XXXX several paperwork showing that my information was stolen through a data breach. I have sent them police report. Also my new address that I have not been living at the address on my license several years. also, I let them know that I had 31 hard inquiries that I did not do that. They need to remove old phone numbers they do not belong to me and addresses. They do not belong to me. They agree to delete it within 72 hours still yet to do so they keep asking me to send them in the same proof of identity, which is my drivers license and Social Security card and lease and also information showing that my information was stolen during the data breach which I have done several times I do not have an active fraud alert on my account with them which I should. I do not know my credit card with them because they would not tell me as well and I sent in the paperwork once again. I have sent it over 100 times.
Product: Mortgage

NewRez - Shellpoint Mortgage Servicing continues to be unable to provide accurate records and accounting of payments made. Have been trying to close out the mortgage for 3 months but continue to be provided with incorrect payoff statements. Accounting errors go back to XXXX of 2020. I have provided accounting that is clear of fees but NewRez can not find any errors in my accounting and at the same time does not understand their own accouting. NewRez accounting is full of false fees and credits that make their statement impossible to understand.
Product: Credit reporting or other personal consumer reports

I trust this message finds you well. I am writing to bring to your attention two critical issues pertaining to my credit report that require immediate resolution.

Firstly, despite making full payment on my account with XXXX XXXX XXXX in XX/XX/XXXX, the credit report continues to inaccurately reflect a balance owed. I have diligently pursued resolution of this matter by engaging in multiple discussions with XXXX XXXX and the branch manager over the past two months. Regrettably, despite these efforts, the credit bureau has yet to be updated to reflect the XXXX balance as confirmed by the bank officials. 

Secondly, I must address a concerning discrepancy regarding a missed payment with XXXX XXXX XXXX in XX/XX/XXXX. This isolated incident is entirely uncharacteristic of my financial history, as evidenced by a pristine record of timely payments over the past three years. The missed payment occurred despite the payment being set on auto-draft, indicating a potential error or oversight beyond my control.

As I am actively in the process of securing a mortgage to purchase a home, the accuracy of my credit report is paramount. The unresolved balance and the adverse impact of the missed payment have significantly affected my credit score, potentially jeopardizing my ability to proceed with this important financial endeavor.

In light of these circumstances, I urgently request your assistance in promptly rectifying these discrepancies and ensuring the accuracy of my credit report. I am prepared to provide any documentation or evidence necessary to support my claims and facilitate the expedited resolution of these matters.

Your prompt attention to this request is greatly appreciated. I trust that you will take the necessary steps to address these issues and restore the integrity of my credit report without further delay.

Thank you for your time and consideration.
Product: Mortgage

XXXX XXXX, I paid off my mortgage loan, IN FULL, per the payoff statement provided to me by Wells Fargo Home Mortgage. Payoff statement dated XX/XX/2021, with a payoff amount of {$4000.00}. I requested an update to my credit reports to reflect the paid off mortgage loan. They updated my credit report to show a current balance of {$30000.00} and the account as closed. This must be corrected immediately as that false reporting has dropped my credit score by 22 points.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach. Pursuant to 15 U.S.C. 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am requesting that the fraudulent accounts and inquiries listed below be blocked and permanently removed from my credit file. 
Fraudulent Accounts : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$480.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$5200.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX  {$420.00} XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  {$5500.00} Fraudulent Inquiries : 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 XXXXXX/XX/XXXX
Product: Debt collection

Coast Professional, XXXX, LA contacted me by mail. Late XXXX, 2017. They back-dated the letter, and every one since. I have seen/heard nothing about this in 12 yrs. Now - big hurry, garnishment & more threatened ( in cloaked language ) and they are railroading me. Blizzard of mail. From FSA too ; a gov't agency!
Now : they failed to send a LEGIBLE copy of the Note. They both mis-represented, grossly, my right to dispute ; and seem not to want to allow me to do so. Coast & FSA too omits to tell me of options that I may/do have - and send me the wrong dispute form. They ignore my questions ( few & germane ). Wo n't give me time to dispute, in essence. Treading on my rights. They under-credited me for payments made ( I have documentation ). They allege an inflated total, therefore. They both say they can get a 20 % commission, by law, to collect. In fact the maximum is 18 % - yet they state I " will be required to pay 20 % '' to them. Over {$5000.00} - motivation for them to press me hard and in short time frame. My supporting documents are ( 1 ) I ca n't transmit them online from this terminal I have no USB camera/phone ( 2 ) some are in storage 300 miles away ( 3 ) my letters in response to theirs - same as ( 1 ) above. Snail mail seems to be my only choice, so far. Any suggestions? XXXX go ahead & email me. Nothing to hide here.
Product: Money transfer, virtual currency, or money service

Zelle I lost money with my Zelle account unauthorized payments and transactions that was not replaced
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. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name XXXX XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX 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: Credit reporting or other personal consumer reports

Subject : Notice Of Dispute - XXXX XXXX XXXX  XXXX To Whom it May Concern, I am writing to express my significant dissatisfaction and concern regarding the handling of the reporting of the account XXXX XXXX XXXX XXXX on my credit report. It has recently come to my attention that there are multiple clear violations of the Fair Credit Reporting Act ( FCRA ) associated with this account. As such, I am requesting immediate action to address and rectify these issues. 

I hereby formally request a comprehensive debt validation, which should encompass the following details : Original Contract : I demand a complete copy of the original contract between the purported creditor and myself regarding the account XXXX XXXX XXXX  XXXX. 
Original Creditor : Please clearly identify the name and contact information of the original creditor linked to this account. 
Original Open Date : Provide the precise date when the account XXXX XXXX XXXX XXXX was initially established. 
Date of Last Payment : Specify the exact date of the most recent payment made concerning this account. 
Date Account Was Closed : Indicate the official closure date of the account XXXX XXXX XXXX XXXX. 
I am fully aware of my rights under the FCRA, and it is evident that your company has failed to fulfill its obligations in ensuring the accuracy and validity of reported information. I insist on a prompt response and resolution to address these discrepancies. 

Failure to comply with this request within 15 days from the date of this correspondence will leave me with no choice but to pursue legal action to enforce my rights under the FCRA. Please consider this letter as a formal notice of my intent to proceed accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer natural person I am asserting my consumer rights pursuant 15 U.S. Code 1681b ( a ) ( 2 ) per my written instruction I say what can be on my consumer report. I did not consent nor contract with XXXX XXXX XXXX on Sunday XXXX XXXX. I request that this account XXXX is deleted. I ask that this alleged debt is verified and investigated. Pursuant 15 U.S. Code 1681a ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. The above account is a direct impact to my ability to exercise my right to credit because my reputation with this consumer reporting agency is inaccurate and I know that the banking system is dependent on this reporting. I ask for a copy of full credit file not report the full file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to you to request that you remove the following unauthorized inquiry ( ies ) from my credit report : XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I file a dispute in XX/XX/XXXX. My dispute did not help my credit. Exifax agreed to take off my inquiry and they did not do what was asked of them I been paying my money to this company and have not got any help. They just hurt my credit instead of helping my credit. Creditors will not give me a loan or financing because of exifax poor reporting. XXXX.
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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX/XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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: Credit card or prepaid card

Someone tried to open a Capital One card in my name and it was flagged on my credit report. I contacted Capital One about this issue and they said they were sending a letter to the all three credit bureaus to have this deleted as soon as possible! This has now been 4 months since this incident and nothing has changed. This is my last time addressing this issue and I will be suing in the amount of XXXX. My attorney will be contacting you shortly.
Product: Money transfer, virtual currency, or money service

I received a letter from Coinbase indicating that there was about {$500.00} of property ( crypto currency ) that belongs to me. In two weeks time, they'll be giving it over to the state as unclaimed property. 

The Coinbase account was started in about XXXX. I no longer have access to the email address or the phone number. I can verify my identity, and I reached out to Coinbase asking how I could get access to property which is legally mine ( and which I have a legal right to ). Coinbase told me that because I no longer had access to the phone number verified or the email that I used, they are unwilling to assist me. 

After looking on XXXX and XXXX it appears that Coinbase has a history of locking accounts, or otherwise refusing to allow people to withdraw.
Product: Credit reporting or other personal consumer reports

If you persist in apparent disregard, noncompliance, or deficiency of substantial, satisfying, and/or otherwise evident proof of compliant reporting practices, I must warn you that this letter serves as my official notice prior to my likely decision to petition a civil court nearest me for a writ of review related to the aforementioned issues I suspect. Please be advised that I am the injured consumer of your unproven or inadequate reporting practices. As such, I am contesting the assumed, but actually very conditional, reporting privileges for any and all of your claims challenged within this consumer complaint. This declaration calls for your demonstration of authoritative, certifiable, compliant, lawful reporting that assuredly adheres to no less than the mandatory state and federal reporting mandates and statutes. My demand for your fastidious scrutiny shall categorically include, but not be limited to, your adherence to accords cited within the XXXX, FCRA, XXXX, as well as any and all applicable laws within my state, proven to be commodiously ample for illustrating your adequate statutory reporting occurred exactly as related to any claim purported by you in my report ( s ). Particularly concerning to me is if any or all of your claim 's aspects are alleged yet display potential deficiency, having plausible deviations from your obligatory utilized industry standards for legal, fair, and ethical reporting and did so with respect to a XXXX il faut status. Incontestably, your compulsion should be that of certifiable conformity to the XXXX XXXX Data-filled Field Formatted Reporting Standards, per XXXX! 

I have recently obtained copies of my personal consumer credit report ( s ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( s ), as reported on my reviewed files. I am concerned that this information may have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( s ) following its earlier removal from reporting, without issuing the requisite 5- day notice to me as mandated by reporting regulations that you MUST comply with. 

As per the Fair Credit Reporting Act ( FCRA ), any item of reporting that has been previously removed can not be reinserted onto any consumer 's credit report profile without written notice from at least the accepting credit reporting agency ( ies ) /repository ( ies ) directly to me, the injured consumer, within five ( 5 ) business days of the alleged date of reinsertion. I want to inform you that I have not yet received any such notice or confirmation of the accuracy and completeness of your reported claim ( s ). 

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

There is a Pennsylvania address and items reporting on my credit that should not be there.
Product: Consumer Loan

I had a loan with Monterey Financial Services, LLC. The loan was paid in full with no late payments approximately 4 months ago. Monterey Financial Services, LLC has failed to report the loan to all XXXX mayor credit bureau and failed to report the account is closed and paid in full.