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

The consistent and unjustified presence of fraudulent accounts on my credit report ignite my extreme dissatisfaction and frustration. These accounts remain undeleted, casting a shadow over my financial reputation and causing significant distress in my life. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX These accounts are not mine, and I have never authorized any of the transactions associated with them. 
The continued presence of these fraudulent accounts on my credit report has had severe consequences for my financial well-being. I have been denied credit, subjected to higher interest rates, and faced difficulties securing housing and employment opportunities due to the inaccurate information on my credit report. 
Failure to address this matter promptly will leave me with no choice but to take legal action to protect my rights under the Fair Credit Reporting Act ( FCRA ) and seek damages for the harm caused by the persistence of these fraudulent accounts on my credit report.
Product: Credit reporting or other personal consumer reports

This is my follow up request about my unauthorized inquiries. The credit report showed credit inquiries by your company that I do not recall that I authorized it.. I understand that you shouldnt be allowed to put inquiries on my credit file unless I have authorized it. Please have these inquiries deleted from my credit file immediately because it is making it very difficult for me to acquire credit loan or any transaction.. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill it's legal obligation under the Fair Reporting credit Act ( fcra ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) 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 despite outcomes. These failures align with my experience, where Experian has neither corrected or 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 Experian 's inaction violates federal law nd my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the summer of XX/XX/XXXX the XXXX XXXX monitoring system had some type of glitch where inquiries were removed. I have the XX/XX/XXXX report in which it shows my file to have 0 inquiries. These inquiries were placed back on my report without any notice from Transunion. I have called many times and I keep being told that I was not affected by the breach. I only found this while closely reviewing my reports after the XXXX breach. I also noted many unauthorized credit inquiries that I was told could not be disputed. They want me to get police reports. My police department has said they wo n't investigate because there was no loss to myself or the companies. The creditors will not investigate for the same reasons and referred me back to the credit bureaus for removal. XXXX  has complied but transunion now says inquiries can not be disputed.
Product: Credit card or prepaid card

To whom it may concern : I have been disputing an overcharge of {$520.00} posted to my credit card account by XXXX XXXX XXXX in XXXX, XXXX. This transaction took place on XX/XX/2021, when I was forced to check out ; after only six days of my expected hotel stay due to personal safety issues, I had booked a 13-day reservation from XX/XX/2021, until XX/XX/2021, at the rate of {$230.00}. 

XXXX and XXXX XXXX sent me confirmation emails for this reservation at this rate which I also presented to Chase. Which occurred on XX/XX/2021, when I checked out after only six days of my expected hotel stay due to personal safety issues taking place at the hotel. 

I expected that I would be charged of the rate of the {$230.00} proposed for the full 13 days stay. XXXX XXXX XXXX charged my card {$520.00} ; therefore, my rationalization for disputing this charge with Chase. Moreover, I have been doing so since XXXX of 2021 ; however, Chase decided that XXXX XXXX was justified and paid them this amount despite the confirmed booking confirmation, which I sent them from XXXX and XXXX XXXX evidence {$230.00}, 13 days I expected to stay. Moreover, I have also provided these emails for your review. 

As such, I disputed the charges again, providing the same evidence of the confirmed booking I mentioned earlier that I had made, but to no avail. Finally, Chase credited my credit card account with {$120.00} in XX/XX/2021, which I presumed was for the six days I did not stay or 1/2 of the {$230.00}. However, Chase still owes me {$390.00} of the {$520.00} they paid out to XXXX XXXX. 

I have called innumerable times refuting these charges. On XX/XX/2021, I called Chase 's credit card dispute center and asked if I could speak to a supervisor about the charges and getting nowhere with my dispute. The supervisor told me that she understood my dilemma, but she could do nothing about the charges and that I would have to pay despite being overcharged. 

I told the supervisor that it was wrong for me to pay for the overcharge considering the confirmation emails of the booking I provided them as I mentioned above, proving to them that I had reserved my 13-days at XXXX XXXX for {$230.00} and not {$520.00}, which I was overcharged. Help, Chase, is unfairly withholding credit to my Credit card account of {$390.00} and forcing me to pay these charges I do not owe them ; they owe me! 

I am reaching out to Consumer Financial Protection Bureau ( CFPB ) with my complaint, given if I do not pay, they will file against me negatively on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE BEEN A VICTIM OF VARIOUS DATA BREACHES AND ALSO HAVE BEEN A VICTIM OF IDENTITY THEFT. I HAVE A FEW ACCOUNTS ON MY CREDIT REPORTS THAT DO NOT BELONG TO ME AND ARE UNAUTHORIZED. I ALSO DO NOT HAVE ANY CONTRACTS WITH THE COMPANIES LISTED ON MY REPORTS. THIS IS HURTING MY REPUTATION WITH THE BANKING SYSTEM AND ALSO HURTING MY CHANCES WITH GETTING ANOTHER MORTGAGE LOAN. I NEED THESE ACCOUNTS AND INQUIRIES REMOVED IMMEDIATELY. I HAVE SUBMITTED ALL OF MY POLICE REPORTS AND FTC REPORTS TO TRANSUNION, XXXX, AND XXXX ALONG WITH ALL OF MY ID DOCUMENTS. THIS WAS NOT SUBMITTED IN ERROR OR A MATERIAL MISREPRESENTATION. IF THESE FRAUDULENT ACCOUNTS ARENT REMOVED I WILL TAKE LEGAL ACTION
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. XXXX XXXX, XXXX, Experian, XXXX XXXX, XXXX, XXXX XXXX and XXXX XXXX  has fraudulently abused my private information without my consent and it appears on my credit report. It is hurting my right to liberty, and the pursuit of happiness as protected by the Constitution for the United states of America.
Product: Checking or savings account

To Whom It May Concern, My Name is XXXX XXXX, and I've been a Wells Fargo account holder since XXXX. Being XXXX, a father of XXXX-year-old, a XXXX XXXX, and a contributor to society ; life has not been easy. The past year, I've struggled after leaving a job due to a hostile work environment ( which is illegal since its constructive termination ), struggling to make ends meet XXXX XXXX while managing said position as well as attempting to balance 18 credits a semester. I recently learned that Wells Fargo Bank charged me about a dozen NSF, ATM, and SP fees From XXXX. Much of these fees are indeed due to hardships ; however, I was never aware of some of these until they showed up on my account. Big banks in America made over XXXX XXXX in these fees within the past year. Since opening an account with Wells Fargo, I've started to see a difference in regards to which banks value my business as well as works with me more. Wells Fargo has an opportunity to repair this relationship they were to reconsider their consumer-unfriendly policies for my situation and decides to refund me most, if not all, of the money I've had to endure paying because of their ridiculous fees. Wells Fargo is only making the poor poorer with their ridiculous fees, and I don't see how they expect to profit when individuals can simply not pay the overdraft fees and let their account close and go into collections. One thing I've learned with collections is that the creditor usually fails to make a profit back from the debtor since the account is being sold for much less than the debt owed. All I am asking for is the money I paid back. I work hard ; I go to XXXX  while raising a child, and I dealt with financial situations out of my control. With everything that's going on with the pandemic and individuals such as myself not being able to maintain a stable income because of it, It's only fair Wells Fargo uses my situation as a precedent of a bank that's giving back to those that supports them.
Product: Checking or savings account

On XX/XX/year>, my IRS tax refund of {$970.00} was erroneously deposited into a Truist Bank account ( Routing # XXXX, Acct # XXXX ) that is not mine. 

I discovered the error on XX/XX/year> and contacted both the IRS and Truist Bank. XXXX advised they're unable to assist, stating I am not the account owner. I opened a claim with the IRS which took them from XXXX to now to reply and suggest that recovering these funds XXXX require a civil lawsuit due to Truist 's inability to return the money.

Truist Bank 's actions may violate consumer protection laws, including Regulation E, by accepting a deposit intended for one individual into another person 's account and subsequently refusing to return the funds. While I am not a Truist customer, the bank accepted a deposit in my name into another customer 's account.

I am requesting the BBB 's assistance in resolving this matter before pursuing further legal action. The funds rightfully belong to me, and I believe Truist has a responsibility to rectify this error.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled a copy of my credit report and accounts i have in good standing that are paid to XXXX balance show late and delinquent status on my credit reports. I have provided receipts in the documents. The accounts listed below need updated to report accurate information the bureaus are required to report accurate information these need updated XXXX XXXXXXXX XXXX XXXX XXXX XXXX 2 ACCOUNTS SST PLEASE UPDATE THE BALANCES WITHIN 30 DAYS.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/XXXX I received a letter letting me know my mortgage loan had been sold to XXXX XXXX XXXX services from XXXX XXXX XXXX. XXXX started collecting my payment since XX/XX/2018. On or around XX/XX/XXXX I called into XXXX to dispute the account still showing open, yesterday I got my an email about the results of my dispute and the dispute came back verified no changes. I don't know how they can verify the account still open XXXX XXXX XXXX   have sold the loan. The Loan needs to report closed paid in full from all 3 credit bureaus XXXX, XXXX, and Transunion.
Product: Debt collection

On XX/XX/2020 I received a phone call from XXXX from Navient I requested to speak with a manager and my request was denied after a very long wait in hold the line was disconnected after the second hold. Same day I received another phone call, this time by XXXX from Navient I verified that I was the intended party, and requested again to speak with a supervisor. I was transferred to XXXX who told me that I owed XXXX I told her what my circumstances were that didn't allow me to work currently. I told her that both schools that I attended were shut down years ago. She clarified that once the company name has been given they were unable to call back the same day. She also clarified that it is considered harrassment. I told her at that time to cease and desist she said it could only be in writing. I asked her for clarification to see if me giving a verbal cease and desist she said no. I said again that I didn't want them calling me anymore.5 minutes after I hung up with her I received a call it was XXXX from Navient I confirmed that the balance was XXXX, the same debt amount. Since XX/XX/XXXX I received phone calls every day multiple times a day with messages.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is report XXXX XXXX on my consumer report although they're reporting an inaccurate address that's not even on my consumer report but, verified as accurate. Clearly makes no sense & it's a clear violation of the FCRA due to inaccuracies. Remove this erroneous item XXXX this instant.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information from XXXX, XXXX and Equifax. 

Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

EVERY YEAR I REVIEW MY CREDIT. I BEEN TRYING TO FIX AND ACCOUNT NOT MY WITH MIDLAND CREDIT MANAGEMENT FOR A BALANCE OF XXXX, WHICH IS NOT MINE. I EXPLAINED TO THE COMPANY AND THE ONLY OPTION GIVEN WAS TO MAKE THE PAYMENT. 
TRIED TO DO A DISPUTE WITH THE CREDIT COMPANIES BUT WAS UNSUCCESSFUL.
Product: Mortgage

Despite numerous attempts to clear up that my home no longer requires flood insurance, the mortgage company keeps stating that it does and thus keeps overcharging my escrow account. 

What is extremely troubling, is that Loan Care was the one who CONTACTED ME to state that I was no longer in a Flood Zone and thus, would not require Flood Insurance. 

This has being going on since the end of XXXX of XXXX. 

I have uploaded the document required regarding my flood zone change and have called on 3 separate occasions to have this situation taken care of with at least 45 minutes wasted on each call. 

Twice I was hung up on.
Product: Credit reporting or other personal consumer reports

Dear CFPB Representative, I am filing a formal complaint against Equifax for failing to remove an unauthorized hard inquiry from my credit report despite my written dispute. This inquiry, performed by XXXX on XX/XX/year>, I do not recognize or authorized this inquiry, violating my consumer rights under the Fair Credit Reporting Act ( FCRA ). 
Complaint Details : Unauthorized Inquiry XXXX XXXX Date of Inquiry : XX/XX/year> Credit Bureau Involved : Equifax Dispute Filed With Equifax : XX/XX/year> Equifax Response XXXX ignored my dispute, refused removal, and failed to respond Legal Violations Committed by Equifax : 1. FCRA 1681b ( a ) : Equifax is reporting an inquiry that lacks permissible purpose and consumer authorization.

2. FCRA 1681c-2 : I have the right to block fraudulent or unauthorized information, which Equifax has failed to honor. 
3. FCRA 1681i ( a ) : Equifax must conduct a proper reinvestigation within 30 days, which they have failed to do.

Desired Resolution : Immediate removal of the unauthorized inquiry from my Equifax credit report.

A formal investigation into Equifaxs noncompliance with the FCRA. 
Written confirmation from Equifax acknowledging the removal of the inquiry. 
Equifax 's failure to uphold federal law has caused unnecessary harm to my credit profile. I request that the CFPB take swift action to hold Equifax accountable and ensure my rights are protected. 
Thank you for your prompt attention to this matter. Please keep me informed of any updates regarding my complaint. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting an inaccurate incorrect Bankruptcy on my credit report i disputed they claimed to have verified received a copy of my report from their source doesn't reflect any bankruptcy so i am not sure as to why they are reporting inaccurate unverified erroneous information on my report would like them to investigate as to why they are reporting incorrect information on my report
Product: Vehicle loan or lease

We had a XXXX XXXX totaled in 2019, where the loan was carried with Ally Financial. It has taken us nearly a year to track down The gap payment between XXXX and Ally. We stayed in communication with Ally the entire time. We were warned about possible late payment credit reporting and then reassured beginning of XXXX That would not happen since we were communicating with them. The day after, we received negative alerts on our credit. This was XX/XX/XXXX. I have spoken with Ally no less than 10 times where I have been told the negative credit reports would be reversed. It is XX/XX/XXXX. Im on my Fifth phone call with them in 13 hours and going on 6 hrs of call time today. 
I have been transferred between representatives multiple times, but never had resolution. 
This practice has caused me financial loss through work hours, as well as the inability to get funding on a new vehicle because of the incorrect negative reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have lodged disputes with 21st Mortgage, XXXX XXXX XXXX and XXXX XXXX XXXX with the belief they have reported negative items to my credit report not in compliance with Consumer Protection law. Specifically, the FCRA and the FDCPA. I most recently requested them to investigate beginning in XX/XX/XXXX and XX/XX/XXXX. I have also asked for assistance from each of the credit bureaus.
Product: Money transfer, virtual currency, or money service

Good morning, I found this bug which lead to me losing XXXXXXXX XXXX in fees from a wire transfer failing to go out. 
The bug exists on XXXX XXXX XXXX XXXX XXXX XXXX  and I tried on multiple computers, however its slightly different behavior on the different browsers. 

The issue exists on the status tracker page, I sent a test transfer to make sure my landlord received the transfer and on receipt I scheduled an additional transfer by copying the account and routing number from this page. This is what caused my failure. if you click on a completed wire transfer status, it will bring up the information of the transfer. 
Selecting the account number by double clicking ( on my wife 's computer ) or triple clicking ( on mine ) will cause extra data to come into your clipboard. For chromium based browsers it will cause the first character of the account number to be appended on to the account number. For XXXX, it will cause the account number to be appended again with spaces in between each character. 
Account Number : XXXX XXXX  : XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Yes, I admit, I should have validated this information again or manually entered it, however, this information was copied from the ally website from a valid transfer that I confirmed went to the right location. 

I have spent XXXX hours trying to report this bug to ally bank ( XXXX phone calls and a chat ) they deny there is any bug with the wire transfer but don't have a way of testing the status tracker page. I was only able to get the XXXXXXXX XXXX fee that they charged refunded as a " courtesy '' not them acknowledging the bug. 

These transfers happened on XX/XX/XXXX and XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies my financial institution and zelle failed to investigate my claims adequately.they informed me that recovery lost funds was impossible and that tracking these transactions was unfeasible.The cfpbs findings indicate that Zelle has not only neglected to protect customers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Debt collection

The company is portfolio recovery. They have been calling me non stop for years now. And they lately keep calling me from spoofed numbers which is illegal. If you try to call the numbers back it just connects you to a random person phone. I have asked them multiple multiple times on the phone and through chat on their website. They just block you so you can no longer chat with them but they think its ok to just keep calling you all day from spoofed numbers. The last two guys started using profanity and threatened me and called me horrible names. These people are lowlifes and I want them to stop calling me I do not even owe whatever they are trying to say. I told them to stop they will not some of the spoofed numbers lately are XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX I could go through my phone and make a way longer list. I am prepared to pay for a lawyer yo sure these people this should be illegal I want them to stop calling me.
Product: Consumer Loan

I paid off my loan in full on XX/XX/2017. I have repeatedly called and asked for my payoff statement or payoff letter to no avail. I even have gone to their neighborhood store to see if I can get a payoff letter or statement showing I have paid off to no avail. Once the account is paid off it is my right to get a statement or bill. They do not send you a statement whatsoever. They have a flawed system of errors and calling their customer service gets you nowhere. I have had other installment loans and they all have sent me timely statements and letters via mail and/or email. Their motto is " you deserve it '' and yes to the XXXX you deserve to be misled. Someone needs to investigate their business practices as they are in clear violation of fair credit billing act and by not providing any kind of statements or bills they are taking away a very integral part of consumer protection.