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

My identity has been compromised and that resulted in my credit file being compromised as well. The following accounts do not belong to me, therefore, im demanding that these accounts be removed immediately. 

1 XXXX XXXX {$570.00} 2. XXXX {$790.00} 3. XXXX XXXX XXXX {$20.00} 4. XXXX XXXX XXXX {$170.00} 5. XXXX XXXX XXXX {$47.00} 6. XXXX XXXX XXXX {$75.00} 7. XXXX XXXX XXXX {$35.00} 8. XXXX XXXX XXXX {$1100.00} 9. XXXX XXXX XXXX {$92.00} 10. XXXX XXXX XXXX {$20.00} 11. XXXX XXXX XXXX {$16.00} 12. XXXX XXXX XXXX {$580.00}
Product: Credit card

I returned a hot tub that I bought from Amazon. I have a tracking number. I was never credited for the return. I have disputed the charge with synchrony bank 3 times. They said the item wasn't returned properly. It was bought on XX/XX/2023. I was charged {$3900.00}. It was picked up by truck on XX/XX/2023. The tracking number is : XXXX. Synchrony bank continues to bill me and will not credit my return.
Product: Credit card or prepaid card

American Express offers XXXX miles for referring a friend to apply for a credit card. I referred 2 people, XXXX XXXX XXXX, XXXX, WI ( now XXXX, WI ) and XXXX/XXXX  XXXX, XXXX, WI who both got their cards in XXXX. The miles are supposed to be credited in 6-8 weeks. It has now been more than 13 weeks.. When I told them about it, they wanted 6-8 weeks more to resolve it and also suggested that the people may not have applied through the appropriate link when I KNOW that they did becuase I was right there when they did it. So I know they did it correctly. In one case, they may have been directed that they had to call in. But they started out through the required link. This is looking like a scam. I request the XXXX miles be credited ASAP. I also referred another friend, XXXX/XXXX  XXXX and I don't want issues with those miles not being credited timely either.
Product: Mortgage

Dear CFPB authority I have been making extra payments to Omaha Mutual Mortgage Company from XXXX until XX/XX/XXXX. When they were selling mortgage to XXXXXXXX XXXX, they raised mortgage payment saying there is escrow shortage. I always paid XXXX to {$70.00} more each and every month. There can never be eacrow shortage. They said they paid principal. But I couldn't see payments anywhere in their analysis. 
I tried to solve the issue with them. But they just deny and insist the wrong calculations. 
I am providing screen shot of monthly payment of {$1400.00} a month. Payment was about {$1300.00}.
Product: Credit reporting

Submitted disputes with company where either information was incorrect or did not update. When items were reported to be removed by creditor, they were not removed. Timeliness and accuracy of reporting was inefficient.
Product: Credit reporting

Due to the fact that my situation is not properly available on this site as a choice to select. I have been violated by XXXX XXXX XXXX XXXX XXXX. ALso, by Experian Credit Reporting Agency. XXXX XXXX XXXX does n't have the rights to collect debt in the State of Texas. They are not abiding by the Law accordingly to the State of Texas and they was suppose to remove themselves from my credit report by sending a letter stating to the Credit Reporting Agencies that they need to be removed. Now that I have made Experian aware of this they have not done an accurate investigation on XXXX XXXX XXXX. So, I called XXXX XXXX for the Secretary of State Texas Debt Collections Division and found out that XXXX XXXX XXXX is breaking : " Texas Finance Code section 392.101 which prohibits a third-part or credit bureau from engaging in debt collection in Texas unless the third party debt collector has obtain a surety bond and file a copy of the bond with the Office of the Secretary of State. '' I am in need of another Investigation to remove them from my credit report please.
Product: Debt collection

XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Trans Union XXXX XXXX XXXX  XXXX, PA XXXX To Whom it may concern, I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The accounts in question are listed as follows : Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Account # : XXXX XXXX XXXX XXXX Date of Charge-Off : XXXX XXXX XXXX XXXX It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 
The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the monthly charge-off results in a misleading and inaccurate credit report, significantly harming my credit score. Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper. 
I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and confirm these corrections for me. 
Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX. XXXX
Product: Checking or savings account

On Thursday XX/XX/XXXX, I responded to an email that appeared to be from XXXX XXXX stating my " annual '' fee was being automatically deducted from checking account for {$290.00}. 
*I don't have a XXXX XXXX account *called the " customer service '' phone number on the email at about XXXX XXXX *worked with a person who claimed to be from XXXX *opened my Chase bank account so I could be refunded the {$290.00} *He began to operate my screen on his own without my support *He made it appear the {$29000.00} was sent to my checking account *He then began to convince me to send them a wire transfer for {$9400.00} *we completed that request and it appeared to be being sent to XXXX *I began to question the whole process and he was adamant that i not tell anyone or turn off my computer *He identified himself as " XXXX XXXX '', phone # XXXX *This made me more nervous and I eventually turned off my computer. 
*In accessing my Chase account, i discovered that this person had only transferred the {$29000.00} from my savings account *This was done without any delay from Chase which is their SOP on transfers of that large amount *Since my bank was now closed, I went to my local branch at opening time XXXX to make claim for being scammed on XX/XX/XXXX *I worked with XXXX and called claims and fraud to get the claim started *on Sat. XX/XX/XXXX, i filed a police report, # XXXX with XXXX, FL offfice of the XXXX XXXX Police with Deputy XXXX XXXX, phone # XXXX *Please the attached wire transfer info *on or about XX/XX/XXXX, i was informed by Chase that my claim was denied and the funds had been taken from my checking account
Product: Credit reporting, credit repair services, or other personal consumer reports

My report is locked and unable to unlock it. Have spoken to several representatives and my report is locked. This is preventing me from getting approved for credit. Need my report to be unlocked.
Product: Credit card

Email ads keep showing up multiple times daily from Capitol One even after I opted out from their mailing list months ago. I've tried multiple times but the best they've done is apologize and tell me they will take me off their list in a few weeks. That was more than a few weeks ago. Fact is it seems their ads seem to have increased since my opt out request. 
Please copy me your correspondence with them for use in possible future litigation.
Product: Credit reporting

XXXX XXXX XXXX XXXX continues to report judgements from XX/XX/XXXX and XX/XX/XXXX to all credit bureaus which violates the Fair Credit Reporting Act Sec. 1681c. ( 2 ) which states, " Suits and judgments which, from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period. " This is illegal and I 'd like them to remove the XXXX judgements from my credit report. See attached documentation.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/year>2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to XXXX XXXX XXXX they are suppose to 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

Dear CFPB, I sent via USPS twice during the span of 60 days requesting every piece of information on my Credit file be investigated due to inaccurate information and questionable accounts on Experian Credit report. ( USPS tracking XXXX ) Additionally I called Experian at XXXX at least twice per week waiting 1to2 hours just for agents to pickup and transfer me numerous times and then the phone would disconnect, and my dispute not resolved. I am reporting to CFPB due to the fact it feels like I am getting no where with Experian, and they are failing to uphold consumer rights and the law. The FRCA says an " investigation '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he/she is acquainted or who may have knowledge concerning any such items of information. I feel Experian does not care for consumers and they have treat me bad which has lead to costing me bad credit, and damages. I have researched Experian and I see this situation I am going through is the very thing Experian has been sued for in multiple lawsuits! It is not fair due to Experian 's negligence and incompetence my credit score should be impacted negatively!!

Experian still updates and reports inconsistent account ( s ) : " XXXX Account ( s ) # XXXX purported investigation does not appear to have verified documentation nor verified proof from any man or woman. This is not a proper investigation standards nor standards according to the law. ( Said account does not reflect original opening date with my legal name! ) The issue to date is mentioned account ( s ) are still not reporting 100 % Accurate and are inaccurate to date. ( Please see attached Letter of Investigation, same letter sent over 60 days ago ) Please take notice pursuant to FRCA 15 USC 1681 every piece of information must be 100 % Accurate on credit report. In closing I need to remind Experian moreover, 15 U.S.C 1681 Section 602 A. States I have the right to privacy ; and Section 604 A Section 2 : states a consumer reporting agency can not furnish an account without my written instructions. Thank you for your attention on this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern i want to inform your office that you are in violation of fcra and fdcpa .you have violated my rights by reporting false inaccurate information by placing these false accounts on my consumer credit report. The list of collections that are reporting has not been opened by me i have no knowledge of them, be advised by law i have the right to PRIVACY and you the credit reporting agencies have violated it.the list of accused collections accounts and dates are attached!

BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELETED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : EXPERIAN, XXXX AND XXXX ARE CURRENTLY IN VIOLATION AND HAS VIOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 5 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. 
personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Mortgage

Shellpoint/New Penn Financial is suing me for foreclosure and saying they own my mortgage and my note- they do not state that they are suing on behalf of XXXX XXXX as they have previously stated here that they are mere servicers for XXXX XXXX XXXX Which is it? In this forum they say the have responded to my complaint saying they are only servicing my loan yet in Supreme Court of the State of New York XXXX XXXX they say they own my note and mortgage and it was delivered by collateral possession. Someone committed a crime here and it wasn't me yet I have continued to be harmed and I continue to suffer and the CFPB which is supposed to protect me has done nothing. This is my 4th and final attempt to get you to do something - I will be including this agency in my next lawsuit which will be filed in Federal court. Also enclosing a copy to the OCC and the FTC. Shellpoint sued me XX/XX/2015 and as of this date they have yet to be awarded summary judgement or possession. If they have not been able to prove their case in 8 years then there is probably a good reason- and I would call it fraud. THEY ARE DEBT COLLECTORS and therefore should not be initiating cases in County Court nor should they be filing false documents with the County Clerk as they did with two fabricated mortgage assignments stating FOR VALUE RECEIVED and trying to lead the court to believe they are the owner of the note all while telling you they aren't. I would like a straight answer from them- are they the owner of my note and mortgage or is XXXX XXXX - and if the answer is again XXXX XXXX then I would like an answer as to why they are suing me for summary judgment on behalf of themselves and not XXXX XXXX. I have already uploaded the summons and complaint but I will do so again so someone can explain to me why the true owner is concealed or am I supposed to believe it is New Penn Financial. I AM DEMANDING TRANSPARENCY and all i get is concealment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking through my XXXX XXXX and noticed they were fraud activity that I never authorized or signed for. 

The following inquiry 's were never made by me. 

XXXX XXXX XXXX XX/XX/XXXX is fraud XXXX XX/XX/XXXX is fraud XXXX XXXX  XX/XX/XXXX is fraud XXXX XXXX XX/XX/XXXX is fraud
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. 
XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Other accounts : 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  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 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: Debt collection

Portfolio Recovery has made many attempts to collect a debt originally granted from XXXX XXXX Bank. They are reporting this collection to my XXXX credit bureau reports. After many attempts on heir part I finally agreed to pay {$25.00} a month and they are direct drafting payments from my bank account. However, CFPB ADMINISTRATIVE PROCEEDINGFile No. XXXX has now come to my attention and I believe that I qualify for protection/relief under this action.
Product: Money transfer, virtual currency, or money service

I received a cash check of XXXX on XX/XX/2023, from a car dealership. At the time, I had to leave the States, so I asked a very close friend of mine that is in the States to help me cash the check. 

We have called a Chase branch in XXXX multiple times to confirm that it is ok for him to deposit the check into his account for me as long as I write a line that says " payable to xxx ( his name ) -- xxx ( My name ). '' After he deposited the check, Chase bank suddenly told him that they had to lock his account because they had to call me to verify that I had approved him to cash the check for me, but there was another problem. The bank says, from their internal system, they can not associate my phone number with me, so they can not call me for verification. Now his chase bank account has been frozen, and the money has been locked. 

The bank says we have to verify the money within 10 business days, or they will have to close the account and suspend the money. The problem is, there is nothing I can do to make their " internal system '' verify that my phone number is linked to me, the phone number that I used when I open a chase bank account. On top of that I am currently overseas right now so I can't even receive any phone calls from the States.

If there is a problem like this, the bank should tell us at the very first beginning. Instead, now they are making the problem trapped in a loop like this. We had confirmed multiple times before we made this deposit, but they are now making it like it is our responsibility.
Product: Credit reporting or other personal consumer reports

I have disputed with XXXX with these companies XXXX XXXX XXXXXXXX , and I'm in court now with XXXX XXXX  which shouldn't be showing on my credit report because we are in pre-trial, XXXX XXXX is on my account twice different acct # XXXX and Cavalry Portfolio services  XXXX and XXXX XXXX XXXX XXXX I have disputed these accounts as not mine accounts and still the outcome ( was verified and updated the information dispute has been verified as accurate ) which is not correct. I contacted XXXX asking what documents were use from collection agencies verifying investigation I was told to contact collection agency.
Product: Student loan

I recently reviewed a copy of my credit report, I was shock to learn, i've been a victim of idnetity theft. I found numerous accounts on my credit report they were not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please remove from my credit report.
Product: Mortgage

According to documentation I received from both Wells Fargo Home Mortgage and XXXX XXXX XXXX, XXXX, Wells Fargo Home Mortgage sold my mortgage and the note to XXXX XXXX a/k/a XXXX XXXX XXXX and XXXX XXXX XXXX , XXXX became the servicer of the mortgage XXXX/XXXX/XXXX. This is in direct conflict with the information which was recorded in the XXXX County records. The assignment of mortgage which was recorded in the XXXX County records shows that XXXX purchased the mortgage and the note from XXXX XXXX XXXX XXXX, XXXX f/k/a XXXX XXXX XXXX XXXX, XXXX. There is no assignment of mortgage filed with the XXXX County court system or public land records which shows Wells Fargo Home Mortgage as being the owner of the mortgage or the note or having the authority to sell my mortgage and note to XXXX XXXX, XXXX XXXX XXXX or XXXX XXXX XXXX, XXXX How can BOTH XXXX XXXX a/k/a XXXX XXXX XXXX and XXXX purchase the same mortgage and note when the dates and the ownership information is in direct conflict with the information which is recorded in the official XXXX XXXX XXXX? How can BOTH XXXX XXXX XXXX, XXXX f/k/a XXXX XXXX XXXX XXXX, XXXX AND Wells Fargo Home Mortgage SELL the mortgage and note? XXXX COMPANIES CAN NOT OWN THE MORTGAGE AND THE NOTE AT THE SAME TIME. XXXX XXXX XXXX XXXX, XXXX purchased the mortgage and the note on XXXX/XXXX/XXXX, and the assignment of mortgage for this transaction did not get recorded in the XXXX County records until XXXX/XXXX/XXXX. Yet, Wells Fargo Home Mortgage states they sold it to XXXX XXXX a/k/a XXXX XXXX XXXX on XXXX/XXXX/XXXX. This is IMPOSSIBLE. When the assigment of mortgage, purchase, sell from XXXX XXXX XXXX XXXX, XXXX f/k/a XXXX XXXX XXXX XXXX, XXXX occurred on XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX, XXXX had been defunct for 2 years prior. How can Wells Fargo Home Mortgage sell anything pertaining to my mortgage and note to XXXX XXXX a/k/a XXXX XXXX XXXX when they did not own the mortgage and note? The official records recorded in the XXXX County records shows that XXXX purchased BOTH the mortgage and the note from XXXX XXXX XXXX XXXX, XXXX f/k/a XXXX XXXX XXXX XXXX, XXXX on XXXX/XXXX/XXXX. The assignment of mortgage which has been recorded in the XXXX County records shows XXXX different companies on it. XXXX XXXX XXXX, XXXX and the loan number for that company. Wells Fargo Home Mortgage and the loan number for that company. XXXX. XXXX XXXX XXXX XXXX , XXXX , XXXX XXXX XXXX and XXXX. I think someone has some explaining to do because according to the OFFICIAL RECORDS, there was major fraud committed.