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

I'm XXXX XXXX XXXX XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit DEPT OF EDUCATIONXXXX XXXX {$900.00} XX/XX/XXXX DEPT OF EDUCATIONXXXX XXXX {$600.00} XX/XX/XXXX DEPT OF EDUCATIONXXXX XXXX {$11000.00} XX/XX/XXXX DEPT OF EDUCATIONXXXX XXXX {$3200.00} XX/XX/XXXX DEPT OF EDUCATIONXXXX XXXX {$9200.00} XX/XX/XXXX DEPT OF EDUCATION/XXXX XXXX XXXX$4000.00} XX/XX/XXXX DEPT OF EDUCATIONXXXX XXXX {$4600.00} XX/XX/XXXX DEPT OF EDUCATIONXXXX XXXX {$5400.00} XX/XX/XXXX DEPT OF EDUCATION/XXXX XXXXXXXX {$5500.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$360.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$440.00} XX/XX/XXXX XXXX XXXX XXXX {$21000.00} XXXX XXXX XXXX XXXXXXXX {$4300.00} XX/XX/XXXX XXXXXXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX {$58.00} XXXX XXXX XXXX XXXXXXXX {$2500.00} XXXX XXXX XXXXXXXX {$4000.00} XX/XX/XXXX
Product: Debt collection

Received notification that an account was reported to my credit bureau and was marking me late on a collection. The account was from 2007 with XXXX. This account was taken care of years ago. When I called JEFFERSON CAPITAL SYST and told them I wanted verification of debt to give to an attorney that I was hiring to go after their scam, they refused to provide me with anything. They said they would only talk to my attorney and not send me anything. 
This debt is impacting my credit and is not even one that I owe.
Product: Money transfer, virtual currency, or money service

Paypal is refusing to release my funds after properly providing all documentation asked for by the company. 

I am requesting I have assistance in following up with paypal to have them release my funds immediately and close my account so no further funds will be going into the account. Then, I would like to also be compensated for wages lost and money lost from going through this process of obtaining my money that belongs to me. 

I have lost {$400.00} following up with paypal to gain my access and communicating with them in order to receive my funds. 

If I do not receive a response from paypal within the next 15 days, I will filing several motions to sue this company for loss of funds and distress.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to call companies several times to which they have transferred me several times and they finally hang up on me. here is the list of inquiries : Here is the list of inquiries : XXXX : EQUIFAX : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card

XXXX charges were made on my card today, XX/XX/year>. The bank stopped XXXX as fraud, the XXXX charge went through. XXXX also notified today that my SS # and Phone number are posted on the dark web
Product: Money transfer, virtual currency, or money service

Im writing to formally express my concerns regarding Zelles handling of disputes, particularly in the light of the CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institutions and Zelle failed to investigate my claims adequately. They informed me that recovering my lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scam.
Product: Credit card

I was a Chase credit card customer and there was fraud on my account, and Chase employees did not shut my card down after I informed XXXX different people it was compromised. This made the cards vulnerable for additional fraudulent charges, which did go through. Instead, Chase acted only after the CFPB became involved XX/XX/XXXX of 2015. Chase retaliated against me by closing all XXXX my credit card accounts. Ironically, I won ALL of the fraud cases, so by Chase 's own admission, the transactions in question were not made by me. I had never been late on payments on any of the XXXX cards at the time that Chase closed my accounts in retaliation. However, they shut down my ability to make payments on the closed cards, and multiple Chase employees on the phone and XXXX in the XXXX Texas branch REFUSED to accept my payment on XXXX XXXX, 2015. I overnighted a check to Chase, and they signed for it on XXXX XXXX, XXXX the due date- but they failed to post it to my account for nearly two weeks, resulting in finance charges and late fees and damage to my credit file. Chase orchestrated the entire situation of refusing to accept my payments and intentionally held the mailed check past the due date in order to profit off of me by way of finance charges and late fees. Chase also retaliated against me in XXXX of 2015 for reporting them to the CFPB after they failed to protect me from fraudulent use of my credit cards.
Product: Debt collection

XX/XX/2023 called and left message saying they are a law firm. When I called they could not provide me a State Bar No. to verified if they were indeed a attorney did indeed ask they to stop all contact of communication, they need to send me information 's to the so called debt, which they have refuse to send XX/XX/2023 again called and left a message saying they are a law firm. When I called back again ask for the State Bar No. to verified if they were indeed a attorney and did not provide me with information. started to harasse me about this debt. 

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX again the same left message about saying they are a law firm...
Product: Credit reporting or other personal consumer reports

Equifax XXXX XXXX refused to make nessary changes.on deadline date.. To make change on credit scores. My scores I have noticed been same areas for quit some time. Then when l questioned scores notice Equifax increased it only XXXX XXXX showin on credit scores XXXX XXXX hasn't made changes. Over month? Credit scores change every 2 months XXXX XXXX XXXX Noticed my credit sckres been same range for quit sometime.? Whom decided also to contact government on my behalf to XXXX things been handle. These companies have received my complaints still no changes. The Government needs to find another way to handle credit scores. XXXX. XXXXXXXX XXXX
Product: Credit card or prepaid card

I have been a member of USAA for more than 50 years and their customer service has become atrocious and extremely difficult to deal with. 
They advertised a Cashback Rewards Plus XXXX XXXX XXXX on their website ( usaa.comXXXX XXXXXXXX  ) clearly stating that one would earn {$200.00} reward bonus after spending {$1000.00} in 6 months. I called and asked for the card and was told that the bonus was in effect. When I received the card it appeared that they just renewed and old card issue 6 years ago. To make sure there was no misunderstanding I called them and was told by XXXX on XX/XX/22 at XXXX XXXX  at the XXXX XXXX call center that the card I had just received and had in my hand had the bonus with it and that I would receive the {$200.00} after spending {$1000.00}. I asked if she could email me that confirmation and she said she would put a note in the file and this call was recorded and anyone could check it to verify. I never got the bonus, spent over 80 minutes with customer service on 2 phone calls, filed 2 complaints ( XXXX and XXXX ), was told customer advocates were not available and I could not call them but they would call back in 2-3 days. They never called. They never looked up the recorded call. I am out {$200.00} and a lot of time. What more could I have done but to call them directly to verify I would get the {$200.00} which I did. Now they say it does not apply to the card I received. What is the point of a member advocacy team if they can not be reached and will not even talk to those they are supposed to be advocating for? I was put on hold so many times and eventually they even gave up trying to contact their advocacy team - saying I should just wait for them to call me. My answering machine works perfectly and clearly they never called.
Product: Credit reporting or other personal consumer reports

Attached are all the closed accounts that have been on my credit report for more than 10 years. Can we please have these removed. Its killing me
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Re : Investigation of Inaccurate Credit Report Items is in Violation Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report To Whom It May Concern, I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft DISCOVER PL Account Number : XXXX  This is not mine.

2. Identity Theft XXXX Account Number : XXXX  This is not mine.

3. Identity Theft XXXX  Account Number : XXXX  This is not mine.

4. Identity Theft XXXX  Account Number : XXXX  This is not mine.

5. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine.

6. Identity Theft XXXX XXXX Account Number : XXXX  This is not mine.

7. Identity Theft XXXX XXXX XXXX  Account Number : XXXX  This is not mine.
Product: Mortgage

We recieved a loan modification a couple of years ago. Since then, my mortgage payments have not beed posted properly. My payments aren't credited right, they are often reversed and put in " unapplied funds ''. Late  charges aren't credited properly. I contacted Wells Fargo and had them do 2 reviews on my payment history, to which they claim nothing is wrong but it is not normal to have every mortgage payment to be posted incorrectly until I bring it to their attention. Wells Fargo has been my mortage provider since 2004. We purchased the home in XXXX.2004 for XXXX, had XXXX down. Now I still owe XXXX 15 years later???? Something is WRONG!!! I would like the entire loan looked at for possible fraud, I no longer trust this company due to reaching out to them and them telling me that the posting practices are normal and my mortgage status is correct ... I am not so sure. My late  fees are always included, but never posted. My mortgage payments post to unapplied until I call them to get them credited. I have documented this activity for two years.
Product: Credit reporting or other personal consumer reports

Bankruptcy is on record that was dismissed because of non payment of court fees, which means it cease to exist, I have been ignored and I dont think they sent did any investigation whatsoever, equifax took 5 days exactly to send a generated message explaining that this was accurate, the ai generated message came on a Sunday evening at XXXX, they then placed previously deleted ( XXXX XXXX XXXX credit information back on credit report, so Im curious am I bankrupt or in debt because as of today Im both? 
Thanks for your assistance with this, Warm regards XXXX
Product: Credit card

I made a payment of {$690.00} on XX/XX/2024 but the payment was reversed and they charged me {$35.00}. I tried to call, but their phone system doesn't work.
Product: Debt collection

Credit Collection USA is attempting to collect a debt in the amount of {$240.00} for services rendered by a podiatrist I had visited a few years ago. When I asked them for validation of the debt, I did not receive it. I asked them to then cease calling to collect the debt until they had sent a validation letter to my home address. They continued to call. I had blocked their number and was continuing on with my life until I received a call from my brother, who had begun getting collection calls for this bill in my name. We do not have similar first names or even the same last name and we do not live in the same area. This also happened with another account on my credit report, which I will also be disputing today. I never authorized anyone to speak with my brother, and he was told my name, my address, the debt and the reason for the debt. Because this is medical debt, I did not think that was allowed. I do not even allow doctors offices to provide my wife with information, let alone my brother who I barely speak with. He called me, angrily, to see if I had used his name for some reason, and if I was expecting him to pay the bill. It seems illegal for them to be contacting people this way!
Product: Debt collection

They called my mother and my father, and my sister who live in another city. My mother called me yesterday XXXX and told me they told her I have a debt with XXXX  and that theyre taking civil matters. Sharing my information with her.
Product: Mortgage

Background : My wife and I purchased our first home in XXXX of XXXX. Our mortgage was issued through TCF Bank and the financing went well without any issues. Since purchasing our home, we have never missed a mortgage payment. We have paid every 1st of the month, on-time, and in full via direct deposit from our checking account. 

TCF Bank was acquired by Huntington National Bank in XXXX. 

The issue : On XX/XX/XXXX, I received an Escrow Account Disclosure Statement that shows a current negative balance in my escrow account of {$12000.00}. This was the first time I had seen documentation or notification of a negative escrow balance in my account. Further, I was told that to make-up for this deficit, my mortgage payments would increase from $ XXXXmo to $ XXXXmo XXXX This increase is essentially double the monthly amount. 

After doing some research into the scenario, it became clear to me that Huntington National Bank made a significant error in calculating the amount of money I would need to pay for my property taxes. In their original escrow analysis, the bank estimated that I would need to pay {$590.00} annually for property taxes. However, in reality, I paid {$6600.00} in property taxes for XXXX. This means that the bank was negligent in collecting the proper amount of funds into my escrow account to maintain the correct amount. Again, this was all unknown to me at the time, and I was simply paying the amount on the invoices I received each month. 

From XX/XX/XXXX until XX/XX/XXXX, I was paying {$210.00} into my escrow account, which is well under the correct amount. To me, this is extreme negligence on behalf of Huntington Bank for 1 ) making an incorrect analysis and 2 ) not catching the error sooner and thus 3 ) not informing me in a timely matter.
Product: Credit reporting or other personal consumer reports

Unauthorized inquiries appeared on my credit report today, and I have no idea why. During my routine check of my credit report, these anomalies suddenly showed up. I tried refreshing my browser in case it was a technical glitch, but the unauthorized inquiries remained. Hence, I am requesting a thorough review of the documents I've submitted to address this issue so that I no longer have to worry about it.
Product: Vehicle loan or lease

In XXXX of XXXX I was in a serious accident totaling my vehicle. The car itself was totaled by insurance paid their portion of the vehicle leaving me with a XXXX $ balance on XX/XX/XXXX XXXX Credit acceptance for some reason always left the account open on my credit but didnt start negatively effecting me over a year ago where they started charging me late fees and on XX/XX/XXXX XXXX past due balance of {$8000.00} and currently in debt {$8600.00} total with no explanation or details of this amount. I called for over a year trying to get a detailed statement of the amount I supposedly owed but could never get any help.
Product: Debt collection

Initia lly Navient force d me into default by delaying the processing of my valid renewal application for income based repayment, which I had qualified for in previous years.   Overnight, my required payment ballooned from {$120.00} to {$800.00}, which I could not afford, as I was still unemployed, having been the victim of a fraudulent scho ol (   XXXX   XXXX   ). Onc e my student loans were in default, I was no longer able to negotiate an affordable payment, nor am I able to consolidate any of my loans or lower the interest rates. As a result, I now have multiple student loans in the amount of over {$100000.00}, which is more than double the amount I originally borrowed, with interest rates ranging fr om 11 to 6 pe rcent.     Recentl y, Navient notified me a fter the fact, that they had intercepted my state tax refund, without providing any information about how to recuperate the refund while the debt is being disp uted. Navient has kept my loans broken up into at least 14 different loans, each at a different interest rate, and I have no control over which loan the intercepted tax refund will go to pay, which means that Navient can put the intercepted funds to their advantage by applying it to whichever of the loans they prefer, to extend the term and amount of my debt. Navient has also sent letters to me indicating that any failure to reply in writing within 30 days constitutes a waiver of my opportunity to contest their claims, which violates the The Fair Debt Collection Practices Act prohibition against construing the failure of a consumer to dispute the validity of a debt as an admission of liability in section 809 c.      For the past few years,  XXXX   XXXX   XXXX   XXXX  acting as a debt collection agency for Navient, has repeatedly violated my rights under The Fair Debt Collection Practices Act. I have been harassed with daily phone calls from  XXXX   XXXX   XXXX  at all hours in the early morning and late at night which is a violation of secti on 805 a. 1. I ha ve been contacted by  XXXX   XXXX  from the same phone numbers with which  XXXX   XXXX  has contacted me legitimately, where the caller refuses to identify themselves and refuses to identify their employer, which is a violation of sectio n 804, part 1. These phone calls have involved the caller illegally communicating to the unidentified person receiving the call that I owe a debt, using my name, which is a violation of section 804, part 2. These phone calls also involve disclosing the existence of my debt with third parties, including my friends and family, a violation of section 805 b. These phone calls ha ve disclosed my personal information to the unidentified recipient of calls, including my full name, my home address, the name of my bank, my date of birth, and the school I attended, which could easily lead to the theft of my identity.
Product: Checking or savings account

In XXXX of XXXX, Citibank made an offer and continues to solicit me for opening a savings account and a checking account. These offers included rewards for balance maintenance. They know me as I have had their credit cards- one for over 33 years and with which I typically spend {$100000.00} per month. I applied for the checking and savings accounts and was approved - the terms said I had 30 days to fund the accounts. I had to try several times to open the accounts as the site was not working properly. They sent the paperwork in the mail but then sent me an email that said : " Hi, XXXX. We periodically review customer accounts and assess account activity. Based on a recent review of your REGULAR CHECKING account, we found that you have violated the terms of your account per the client manual. 
As a result, your REGULAR CHECKING account and any other Citi accounts you have will be closed within 60 days of the date of this communication. All of your accounts are now restricted from receiving deposits or credits, effective immediately. If you'd like to discuss this matter further, please call us at XXXX, Option XXXX, Monday - Friday, XXXX am - XXXXXXXX XXXX and Saturday - Sunday, XXXX am - XXXXXXXX XXXX, '' I called the number and was told that they could not give me any details but a letter would be sent explaining everything. ( the email said to call this number to discuss the matter further ). I letter did come with no explanation of why the accounts were closed. I called again and was told that they could not tell me why the accounts were closed. I called a contact at the Citibank Executive Response Team at ( XXXX at XXXX ). She said she only deals with credit cards but would have her counterpart in the " deposits '' area call me. No one ever did. Citibank continues to solicit me with these account offers with only adds insult to injury. I wonder if there is something in my demographics ( age, location, etc. ) that has them blocking me - a 33 year customer.