23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

XXXXXXXX XXXX XXXX. They are charging me. I never stopped there to get a loan
Product: Credit reporting, credit repair services, or other personal consumer reports

Date : XX/XX/12 Amount : {$17000.00} the account is well over 7 years and it is still reporting negatively on my credit report.
Product: Credit reporting or other personal consumer reports

In XXXX of this year, I began a dispute process with Wells Fargo over a charge-off account that has been inaccurately reported on my credit report for over a year. I sent out two dispute letters via certified mail, one on XX/XX/23 and another on XX/XX/23, stating that Wells Fargo has not only inaccurately reported this charge-off account, but has also sold the debt to XXXX XXXX XXXX and XXXX XXXX without informing me. Despite providing them with all necessary information, including the full account number and documentation from my Wells Fargo online banking portal, they have been unresponsive and uncooperative. They have continued to report the account as if they still own it, even after selling the debt, and have failed to properly address my dispute. In fact, they have sent me letters stating that they do not know which account I am disputing, despite the clear and detailed information provided in my letters. This has been an ongoing issue since XXXX, and despite updating the credit bureaus that the account is in dispute, Wells Fargo has yet to take any meaningful action to resolve the situation. 

This ongoing dispute with Wells Fargo over the inaccurate reporting of a charge-off account has been causing me significant stress and XXXX. I am fearful that this issue will never be resolved, and it has already begun to have a negative impact on my financial situation. Because of the inaccurate reporting, I have experienced credit denials, making it difficult for me to secure the loans and credit I need. This has added to my stress and XXXX as I am unsure of how to move forward and resolve this issue. I feel helpless and frustrated, and I am concerned that Wells Fargo 's lack of responsiveness and cooperation will continue to hinder my ability to improve my credit and financial standing.
Product: Money transfer, virtual currency, or money service

I had {$11000.00} stolen from my PayPal account. Someone hacked my account, changing my password, security questions, e-mail, phone number, and bank account. They changed the default contacts, so I did not know any of this occurred, especially since I am not very active on this account. They transferred my balance to their bank, XXXX XXXX XXXX Bank, on XX/XX/year>, which I have never heard of or had an account with. Then they transferred money from my bank account, XXXX XXXX, to my XXXX account. On XX/XX/year>, they took the money from my XXXX account that they transferred from my bank account. XXXX is claiming authorized use and login, which is a total lie. I keep calling XXXX, and they say they will get back to me in XXXX days each time. I never hear from them. I keep appealing. I figured this all out on XX/XX/year>, calling XXXX immediately. They told me on the phone during my reporting, that I would be covered and reimbursed 100 %. I have not been reimbursed anything yet. I changed all my passwords after that to all digital wallets, banks, social media, and e-mail accounts. The XXXX in the attached photo is the phony e-mail that was added to my account, set as default. The XXXX phone number that was added in the attached photo is not my phone number. The hacker of course removed their bank account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Statement # 1 : Experian XXXX XXXX XXXX | Account # XXXX | Balance : {$2200.00} In accordance with the Fair Credit Reporting act XXXX XXXX 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 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Statement # 2 | Experian Inquiries XXXX | XX/XX/XXXX XXXX XXXX XXXX  | XX/XX/XXXXXXXX XXXX XXXX XXXX | XXXX XXXX, XXXX XXXX | XX/XX/XXXX XXXXXXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX | XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX | XX/XX/XXXX In accordance with the Fair Credit Reporting act the companies listed above has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Statement # 3 : XXXX XXXX XXXX XXXX | Account XXXX XXXXXXXX | Balance : {$2200.00} In accordance with the Fair Credit Reporting act XXXX XXXX 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 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Statement # 4 | XXXX XXXX XXXX | XX/XX/XXXXXXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX  | XXXX XXXX, XXXXXXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXXXXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX In accordance with the Fair Credit Reporting act the companies listed above has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Statement # 5 : XXXX XXXX XXXX XXXX | Account # XXXX | Balance : {$2200.00} In accordance with the Fair Credit Reporting act XXXX XXXX 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 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Statement # 6 | XXXX XXXX XXXX | XXXX XXXX, XXXX XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX XXXXXXXX | XX/XX/XXXXXXXX XXXX XXXXXXXX | XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX | XX/XX/XXXXXXXX XXXX XXXX | XX/XX/XXXX XXXX XX/XX/XXXX XXXX | XX/XX/XXXXXXXX XXXX XXXX | XX/XX/XXXX In accordance with the Fair Credit Reporting act the companies listed above has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions All of these companies were notified in writing of the violation ( s ) and has not brought remedy to the cause.
Product: Credit reporting or other personal consumer reports

Transunion has been reporting inaccurate information on my credit report. Ive been disputing this inaccurate information for 3 months and they refuse to fix the issue.
Product: Vehicle loan or lease

Back in XXXX, my husband was in a car accident that unfortunately totaled my car. At the time, we did not have insurance, but we do have gap insurance. The gap insurance company has been extremely helpful in trying to file our claim. However, Ally Financial, the bank that holds my car loan, has not been helpful at all. I have spoken to over ten different agents requesting a " full payment history with the principal balance on the loan '' and have yet to receive it. They have sent me a payment history, but it never includes the principal balance on the loan. I am concerned that they might be withholding information. I have read terrible reviews about their practices and how they handle things, and I am starting to worry. I am simply trying to get them a check from my gap insurance company, but for some reason, they are refusing to provide the proper documentation I am requesting. This is affecting my credit and causing me significant stress. Please help.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXXday period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021.
Product: Mortgage

We pay our Mortgage to New Rez LLC dba/ Shellpoint Mortgage Servicing online and have always made extra escrow payments projecting any future shortages. Last year we paid our shortage in full to prevent any increase in monthly payment. Something our mortgage company has always offered & allowed. ( the assessment letters even state this ) They mailed us a refund for the extra we paid last year ( XXXX ) stating there was an overage and yet raised our monthly payment. This has happened again this year. We recently received our ( XXXX ) escrow assessment stating that there was a shortage this year and that even though we could pay this shortage up front, they have decided to spread it over 12 months and once again raise our monthly mortgage payment. We've communicated with them by email and phone multiple times. We keep getting the same computer-generated letter stating they are working on this. 
We are eligible to delete our escrow account with our mortgage lender and pay these items ourselves due to the equity we have in our home per our loan terms. Balance in our escrow account to be refunded to us immediately. Again, back and forth with communication regarding this. I've called again this morning and once putting in my info to be transferred to a customer service rep my call gets re-routed through the automated answering service. Called back a second time and didn't put my info in and finally got someone. I explained why I was calling, once again on a recorded line per the representative. He stated he would put me on a brief hold to look into this. 38 minutes into my hold time, I was hung up on. I also spoke with our attorney this morning who is also having trouble reaching this company. Please help with this matter.
Product: Debt collection

I have been contacted by Mountain Land Collections and the offices of XXXX XXXX XXXX multiple times in the past regarding a medical debt that is not mine. The first time they sent me information regarding the debt I properly addressed a dispute letter to them asking them to validate the debt. I never heard from them. They did not send me validation of the debt but they did add the debt to my credit report. I have recently drafted letters to each of the credit bureaus, an example of XXXX which is attached, making them aware the debt is not valid and to remove it from my report. Most recently, this company, along with filed a judgment against me for the debt and served me at my home.I did as instructed and responded to the suit with a defendant answer denying the suit because they did not validate the debt. After this, XXXX XXXX XXXX 's office contacted me to set up a payment plan. I informed them that I was not refusing to pay the debt, simply requesting validation of the debt. They have still not provided me with this and they have unlawfully charged my credit card for {$100.00} for the first payment in their plan that I did not consent to. I am disputing the credit card charge with my credit union and a copy of that is also attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted : NAME : XXXX XXXX XXXX XXXX XXXX ACCREDITED BUSINESS : NO CONTACT : XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX PHONE : XXXX XXXX FAX : XXXX XXXX Website : www.focusrm.com on XX/XX/XXXX by email. I noticed that this company is reporting inaccurate information on my credit file. I attempted to contact them but with no success. I then filed a claim with the XXXX on XX/XX/XXXX. XXXX case number is : XXXX. I again received no response from this company. 

I am looking to seek damages in {$1000.00} per breach of FDCPA in addition to having this inaccurate, incorrect information removed from my credit file. 

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

I have attached an FTC report with inquires I did not authorize
Product: Checking or savings account

Title : Follow-Up Complaint : Urgent Request for Financial Hardship Relief and Fraud Claim Body : I am submitting this updated complaint to provide additional context and request urgent intervention regarding my denied claims for unauthorized transactions totaling {$25000.00} from my Bank of America accounts . 

Summary of the Issue In XX/XX/XXXX, fraudulent transactions occurred through XXXX XXXX transfers from my accounts without authorization. I reported the issue immediately and filed claims, including IDs : XXXX XXXX XXXX XXXX Despite submitting evidence of the fraud, all claims were denied because the merchant refused to refund the funds. 

XXXX and XXXX XXXX I am a Type XXXX diabetic with dangerously high blood sugar levels. During the time of the fraud, I was hospitalized, on a ventilator, and physically unable to monitor my accounts or report the fraud promptly.

The stolen funds were critical for my medical treatments, dietary needs, and living expenses. Without these funds, I am unable to afford necessary care, which directly jeopardizes my health and life.

Urgency of the Situation I have a life-saving medical appointment scheduled for XX/XX/XXXX, in XXXX, where I can receive better care and family support. Due to the urgency, I requested to move the appointment earlier to XX/XX/XXXX, but was informed that further delays could result in severe harm to my body and organs. 

Given the two-day travel time to XXXX, I am running out of time to secure financial support for this treatment. Without immediate intervention, I risk missing this critical appointment, which could cause irreversible health damage. 

Bank XXXX XXXX XXXX XXXX XXXX confirmed that all transactions are verified with the bank before processing. Despite this, Bank of America failed to flag these fraudulent transfers, which were inconsistent with my regular banking activity. 

Additionally, Bank of America has denied my requests for temporary hardship relief, leaving me without any financial options to address this urgent situation. 

Request for Assistance I am requesting CFPBs immediate intervention to : Expedite this case and ensure Bank of America reopens my claims, taking into account my medical incapacity at the time of the fraud. 
Advocate for temporary hardship relief or emergency funding to allow me to attend my scheduled medical treatment on XX/XX/XXXX. 
Investigate whether Bank of America acted in accordance with consumer protection laws when denying my claims and hardship requests. 
Attachments I am uploading the following supporting documents : Medical records and doctors letters explaining the urgency of my condition. 
Evidence of fraudulent transactions. 
Correspondence with Bank of America and XXXX XXXX. 
A copy of my previous CFPB complaint ( Case ID XXXX ) for reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive tried to have fraudulent inquiries and accounts removed from my credit report with XXXX, Equifax and XXXX through customer service but they were unable to help me so, I opened disputes that never cleared this fraudulent data from my report
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax allowed my information to be stolen in their latest hack. 

They are responsible for any and all issues that arise on my credit from now on.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was signed up for that Experian trial credit repair thing after the first time logging on I realized it doesn't do anything for me and was completely useless so I tried to cancel my membership said it was canceled next month they charge me for it and they have continued to charge me every month since it took me over five months to be able to get through to a human and when I finally get through to the human they told me there is absolutely nothing they can do they will not refund it even though I do not access it. They did show that somebody access to my account on XX/XX/XXXX but not from my location so my account was hacked therefore they are pretending I was the one who accessed it I even received an email saying my account has been accessed from the last day this happened. So when I finally do talk to customer service they tell me they don't do refunds I asked to speak to the supervisor or manager at the very beginning of the conversation the customer service representative refused to transfer the call to who I was asking for. Explain to me how I have had my identity stolen and somebody else has all my information and how I have file police reports on this already and the guys response was " well that shouldn't be true '' so I got upset he called me A liar and asked for the 5th time to be transferred to the supervisor. He finally responds with " thanks for your behavior '' and transfers me. The supervisor answers the phone with the tone in his voice and he's automatically not interested in speaking to me nor willing to help I explain to him how I've been asking to speak to him since the beginning of the phone conversation but the other representative refused to transfer my call. To which they were supervisor respond very on interested he still with OK well will make a report and there's nothing we can do to refund you. Thanks have A nice day '' then hung up on me. Without A resolution. But before hanging up on me they said they can at least refund one of the payments but by the end of the phone calls they decided they weren't going to refund it anymore so they chose to keep my money for no reason after they were refusing to help me, calling me a liar, getting an attitude with me, and not letting me speak to who I asking to speak too.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account name : XXXX XXXX XXXXXXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXXXXXX, has violated my rights. 
Account name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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, credit repair services, or other personal consumer reports

Please annul these not compliant alleged accounts deficient of physically verifiable proof of adequate from anyone exactly and lawfully identified as me..Failure to demonstrate proper evidence requires that you eradicate all of these following untimely, untrue, incorrect, deficient of permissible purpose and not compliant allegation accounts XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX ( XXXX XXXX : XXXX XXXX XXXX ), XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : US XXXX XXXX ),
Product: Credit reporting, credit repair services, or other personal consumer reports

This company placed a fraudulent inquiry on my credit report I have not authorized and have failed to respond to my numerous calls and I think they hire these foreign employees to purposely ask you the same question multiple times and place me on hold only to hang up on me and I have to repeat the same process and I am sick of it its not right and its not fair when Im following the procedures as described in the Federal Fair Credit Reporting Act. I deserve an investigation immediately without having to argue or be put off only because they dont care because it aint happening to them. As described in 623 ( a ) ( E )  of the Fair Credit Reporting Act I want the office listed to place this fraudulent inquiry under investigation and remove it off my credit report now because it wasnt me and I have no knowledge of applying for this mess.
Product: Money transfer, virtual currency, or money service

XX/XX/2022 XXXX scam XXXX to suppose debt consolidation company never used before caller ID was spoofed never heard of this before after making transfer had some problems he told me a number didn't know what it was told me call bank because wasn't showing paid told me try again I did twice more gave me number said b of a but ask for social security number then I knew something wrong they only ask for 4 digits hung up called local bof a no answer called XXXX number had to wait XXXX minuets for assistance able to stop 2 too late for 1 investigation said its my fault I said customer service is slow to react in emergency they sorry I said I can stop a order online in a second but not a cash transfer please help me
Product: Debt collection

In   XXXX   XXXX     while trying to refinance my home, i found a lots of credit inquires i did not initiate, including a   XXXX   XXXX   CC i did not apply for. I Filed with   XXXX   XXXX   XXXX   and completed the process ultimately freezing my credit. I had multiply accounts removed from my credit and thought i was done. One of the accounts removed from my credit by  XXXX  was from  XXXX  funding who i assume once it was removed from my credit sold it to  XXXX   XXXX  bank. i then disputed the information again with  XXXX   XXXX  bank and received no response from them. And now a new company called Resurgent capital Services is try to take over the already deleted debt, sending me threatening letters and providing vague information in letters saying it is the information i requested. I specifically requested information regarding the bank account information they supposedly sent the funds to, because i received no such funds, in addition i have never lived at the address they have listed in association with my name. I have filed police reports and they are included in these reports. I am requesting the CFPB take action against this company because now they are sending letters stating i have not provided enough information to " support your claim '' of fraudulent charges. i am very concerned because now they are sending forms to fill out requesting all of my information ( id. drivers lic number address, SS number, past addresses, DOB, Police reports, ETC. ) which given the lack of information they seem to posses now feels like even more of an infringement of my privacy. Please advise. Thank You.