23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Charges I did not authorize for {$250.00} on XX/XX/20 and another one for {$250.00} on XX/XX/20. The company XXXX charged my account for more than they were supposed to per our contract agreement. They took it upon themselves to charge my account {$250.00} on two occasions as stated when they should have been only taking payments of {$44.00}. 

I disputed these charges with my bank ; Bank of America and they did nothing to help me. They reversed the charges and made my bank account go overdrawn for starters, and asked me for some documentation showing my credit card and the information from XXXX. No document exists as I bought this through a third party that just entered my card information was stored for recurring payments. 

I call over 5 times and they were more worried about the company than me telling them they overcharged.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX XXXX handling to 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 claim adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB findings indicate the Zelle has not only neglected to protect consumers but has also allow repeat offenders to exploit the system, leaving users vulnerable to scams. 
This lack of accountability and transparency is unacceptable and raises serious concerns and consumer safety.
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX  XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

They always call me when i do not do business with the company
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a concerning issue regarding XXXX XXXX compliance with a specific creditor. Despite my attempts to rectify discrepancies, the creditor has failed to adhere to XXXX XXXX reporting guidelines, resulting in inaccurate and misleading information on my credit report. 

Enclosed are supporting documents highlighting the discrepancies. The creditor 's non-compliance has severely impacted my creditworthiness, leading to financial repercussions. I kindly request your intervention to ensure that the creditor complies with XXXX XXXX standards promptly. 

I appreciate your prompt attention to this matter and request your assistance in resolving this issue. Please let me know if further information is required from my end. 

Thank you for your time and assistance. 

The following company XXXX XXXX XXXX XXXX XX/XX/2023 2023
Product: Student loan

On XXXX XXXX I was unable to complete the full course due to health issues I was pregnant at the time and I had to take a medical leave of absence so I was dropped and the school showed no sympathy or concern for my health or education I was not in the right mental state at that time and I left the school did not share my best interest or give me the options that best suited my needs as promised I contacted the school while I was in the hospital and they did. It put me in medical leave
Product: Credit reporting or other personal consumer reports

pursuant to 15 USC 1692g and in accordance with the updated Fair Debt Reporting Act ( FDRA ) guidelines, the account referenced as RC/RESURGENT RECEIVABL XXXX is to be expunged from the report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never authorized these accounts or Inquiries. My signature is not on anything. 

XXXX XXXX {$390.00} ... XXXX/XXXX/XXXX XXXX XXXX {$310.00} ... XXXX/XXXX/XXXX XXXX {$490.00} ... XXXX/XXXX/XXXX XXXX XXXX XXXX ... XXXX/XXXX/XXXX XXXX {$360.00} ... XXXX/XXXX/XXXX XXXX XXXX {$590.00} ... XXXX/XXXX/XXXX XXXX XXXX {$1000.00} ... XXXX/XXXX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I answered all the identifying questions. And then it denied me access, to XXXX AND Experian. 
I had no trouble at all with XXXX XXXX. 
I think the other two have inaccurate answers to the questions they are asking of me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello! My girlfriend and I recently applied for an apartment and after running my credit score it was determined that we would be approved with " condition ''. My social security number seems to be what the issue was and it seems like the company may have run my wrong one. I know i have a clean record and I have my social security card to prove that it is correct. My apartment complex is saying because of the flag on my social security they are charging us {$220.00} extra. So I am trying to get this fixed so that we aren't liable for the fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. ( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. Again, the accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theftXXXXXXXX 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
Product: Checking or savings account

I received a letter dated XX/XX/XXXX, signed by Mr. XXXX XXXX, Wells Fargo Merchant Services, Executive Office, stating that my merchants account ( ending in XXXX ) was cancelled ( see attached ). His response was relating to former CFPB complaint number XXXX filed by me earlier in XX/XX/XXXX. Since then I have received multiple emails suggesting that my merchant account is still open with the latest dated XX/XX/XXXX ( see attached ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA, XXXX XXXX XXXX XXXX, GA XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2800.00}, XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX Balance : {$680.00}, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX
Product: Credit card

I have been a capital one member since XXXX. I have never missed a payment. I had fallen behind on payment. And the card number ending in XXXX. I would like to know if there is a program where it reduces my monthly minimum payments until I am able to get back on my feet. I would like to know to to please cease and desist calls letters and emails until I am able to get back on my feet. I also have a card ending in XXXX. I would like to be enrolled into a hardship program which reduces my monthly payments until I am able to get back on my feet I would like communications to cease-and-desist until I can get back on track.
Product: Credit reporting, credit repair services, or other personal consumer reports

After receiving a copy of my credit report, I discovered the following errors, which are detailed below. In line with 15 USC 1666b If a creditor has not adopted reasonable procedures to ensure that each periodic statement includes the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date, the creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
In violation of 15 USC 1681b, I NEVER issued the credit reporting agency or any other company a formal order to provide any information for my consumer report. Due to its harsh and unethical actions, Credit Reporting Agency has put a great deal of stress and anguish on people. 
You, XXXX, XXXX, and Equifax ought to feel guilty for having ACQUIRED this position and responsibility in order to routinely defraud consumers and hurt their interests! 

It is improper to list these accounts with late or missed payments. The following accounts should be marked as PAYS or PAID AS AGREED because they were NEVER past due. 

XXXXXXXX XXXX Please change the account to read Paid/Current as I have never been late on ( XXXX to present ) payments. 

XXXX XXXX  Please change the account to read Paid/Current as I have never been late on ( XXXX to present ) payments. 

XXXX XXXX  XXXX Please change the account to read Paid/Current as I have never been late on ( XXXX to present ) payments. 

Pennsylvania XXXX Since I never missed a payment on this account between XXXX through XXXX, please update the status to Paid/Current. 




I demand that these issues be looked into and taken off my report in accordance with the Fair Credit Reporting Act. Additionally, I demand that you give me all supporting documents and hard proof that I am or have been late. 
I believe you will double-check these things with the creditor who posted them. 
Any information that the creditor can not verify should be removed. I am aware that you have 30 days from receiving this letter to complete this reinvestigation in accordance with 15 U.S.C. Sec. 1681i ( a ).

Send me a revised copy of my credit report with the desired modifications, please. 

Sincere regards, XXXX : XXXX { XXXX } Without Prejudice, All Natural Inalienable Rights Reserved
Product: Credit reporting, credit repair services, or other personal consumer reports

Several times this month Ive been in contact with Equifax every time I try to login it gives me this error code to call customer service so I called customer service and they tell me I need to change my user name clear cookies oh different kinds of stuff that we do every single time I cant get in and I need in since my identity was double into years ago. Ive been trying to fix the problem, but I cant get into that credit bureau to dispute and authorized inquiries and charges. Theyve even told me that I cant log on on a laptop or an XXXX, I never heard of this thats a new one. I keep getting the runaround all I want is somebody to tell me why I keep getting this message on every device I try I dont have a membership so Im not late on low payments. I dont know why I cant login I have need in there. Please help me. Thank you.
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 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 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, 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

The hospital did not file the claim within the timely filing period. I contacted the billing department and they cleared the debt because it was being reported wrong and is not my responsibility. This debt is not mine and should not be in my credit report. I disputed the debt through the credit bureau and the company did not do the research. So they are continuing to report an invalid debt. Had they done the reasearch they would know that the debt is paid in full and never was my responsibility. This account has been sold over and over again and is now with Ability. They need to follow suit and delete this account.
Product: Checking or savings account

Account Routing Number : XXXX Called Apple Card/Apple Savings account help line customer service representative stated they are a Goldman Sachs Bank employee and told me that the only way to access my account balance was through the XXXX XXXX App . 

My XXXX is not working. I need access to my account.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and found some addresses and name that appear to be incorrect and according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure max possible accuracy of the information concerning the individual about whom the report relates XXXX XXXX XXXX Equifax continues to report name, addresses incorrect on my credit report.
Product: Debt collection

I am writing to file a formal complaint against Burke Moore Law Group , LLP, which is attempting to collect a debt on behalf of XXXX XXXX XXXX XXXX. I believe that their actions violate multiple provisions of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and other applicable consumer protection laws. Specifically, I assert that Burke Moore Law Group , LLP has engaged in practices that violate my rights as a consumer under the following sections of the FDCPA : 15 U.S.C. 1692a ( 6 ) Definition of Debt Collector Burke Moore Law Group , LLP has failed to properly identify themselves as a debt collector in their communications, as required by law.

15 U.S.C. 1692b ( 5 ) Communication with Third Parties Burke Moore Law Group , LLP has contacted third parties in an attempt to collect this debt, in violation of the provisions regarding third-party disclosure.

15 U.S.C. 1692c ( a ) Communication with Consumer Despite my explicit written request to cease all communication, Burke Moore Law Group , LLP has continued to contact me regarding this alleged debt, which violates my right to cease communication under the FDCPA.

15 U.S.C. 1692d ( 2 ) Harassment or Abuse Burke Moore Law Group , LLP has engaged in harassing behaviors, including repeated phone calls and threats of legal action without proper verification, which constitutes harassment and abuse under the FDCPA.

15 U.S.C. 1692c ( 3 ) Contact After Request for Cease Communication After I requested that Burke Moore Law Group , LLP cease all communication, they continued to contact me, violating this provision of the FDCPA.

15 U.S.C. 1692g Validation of Debt Burke Moore Law Group , LLP has failed to provide proper written validation of the debt within the required timeframe, despite my request for verification.

I have attached an Affidavit of Truth that details these violations and provides supporting facts related to this case. In addition to the violations outlined in the affidavit, I have requested that Burke Moore Law Group , LLP cease all collection efforts until they provide verification of the debt and cease reporting the alleged debt to credit bureaus.

I respectfully request that the CFPB investigate these violations and take appropriate action to ensure that my consumer rights are upheld. I would also like to be notified of any actions or decisions taken in response to this complaint.

Thank you for your attention to this important issue. I look forward to your prompt response and assistance.
Product: Student loan

I have filed a complaint against Navient prior to this for their reporting of information on my credit report. Navient sent me 2 email updates after I disputed several late payments that they were reporting on my credit report saying they were investigating and I would receive an update by mail when they were finished researching. When I filed a complaint on them, they responded by saying that there investigation showed that all of the late payments reported were correct and I disageee. Navient has failed to show me any proof of these late payments that they are reporting. I sent in my request and they received it on XX/XX/XXXX. If Navient has not furnished the documentation that they used to verify these late payments by XX/XX/XXXX, which is 30 days from the date that they received my notice, I would like for them to delete these late payments from all XXXX of my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a mortgage loan with Fifth third bank, fifth third has not been reporting my loan to the credit agencies since XX/XX/XXXX. I have reported this to the bank, the XXXX agency, the consumer financial protection bureau.All of these letters sent since the spring of this year, with no correction or even any apology from fifth third. Fifth has tried to foreclose on my home at least twice while I went through a chapter XXXX. I sent you all a copy of a letter fifth third sent me after the chapter XXXX ended that stated they would notify all of the credit bureaus on XX/XX/XXXX.I now believe this is an intentional act on their part to hurt my credit.
Product: Checking or savings account

BANK OF AMERICA IS HOLDING {$10000.00} OF MY MONEY IN MY CHECKING ACCOUNT THE ACCOUNT IS CLOSED AND I HAVE ANOTHER CHECKING ACCOUNT WITH BANK OF AMERICA. 

I NEED TO TRANSFER THIS MONEY TO MY NEW CHECKING ACCOUNT. 
IT IS UNFAIR OF THEM, I NEED THE MONEY TO PAY MY BILLS & I CANT. 

I HAVE NO CLUE WHY THEY ARE HOLDING THE MONEY, AND THEY HAVE NOT RESPONDED TO ME. 

I HAVE SPENT HOURS ON THE PHONE TRYING TO GET INFORMATION, TO GET A DROPPED CALL.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Following Accounts are not being Investigated by Experian! EXPERIAN IS SENDING ME FAKE RESULT! THEY ARE NOT CONTACTING THE SOURCE! 

The Following Accounts Do Not Belong to Me! Please Delete them! 
XXXX XXXX # XXXX - This Account is Not Mine! XXXX XXXX XXXX # XXXX This Account is Not Mine! XXXX XXXX # XXXX This Account is Not Mine! XXXX XXXX XXXX # XXXX This Account is Not Mine. Chapter XXXX Bankruptcy Docket # XXXX The Docket Number is Incorrect! XXXX XXXX XXXX XXXX # XXXX This Account Is Not Mine! XXXX  XXXX # XXXX This Account is Not mine! XXXX XXXX XXXX # XXXX This Account is Not Mine.  XXXX XXXX # XXXX This Account is Not Mine. XXXX XXXX XXXX # XXXXThis Account is Not Mine. XXXX XXXX # XXXX, Date Opened : XX/XX/XXXX- This Account is Not Mine. XXXX XXXX # XXXX, Date Opened : XX/XX/XXXX- This Account is Not Mine. XXXX XXXX # XXXX, Dated Opened : XX/XX/XXXX- This Account is Not Mine. XXXX XXXX # XXXX, Date Opened:XX/XX/XXXX- This Account is Not Mine. XXXX XXXX # XXXX This Account is Not Mine.  XXXX XXXX # XXXX This Account is Not Mine.
Product: Payday loan, title loan, or personal loan

I recently got approved for $ XXXX with BBVA Compass. I was given a higher interest rate and the score used was a strategic move to manipulate the system. My fico is over over 750 I was given a 14 % plus rate. They claim my score was XXXX XXXX. I purchase a car about the same time and the dealership told my XXXX was XXXX and XXXX XXXX was XXXX. I call the corporate office and it rang a few time then hang up. When I made contact with the number on the application I was told I could reapply in 6 months.
Product: Debt collection

Direct Recovery Services called my phone at XXXX on XX/XX/2019 and left a threatening voice mail regarding an alleged XXXX? debt owed by someone who I believe is my niece, XXXX XXXX. I have not communicated with my niece in well over 20 years, have no knowledge of her location or phone number, and had no idea that she had a debt to a collection agency. 
This voicemail message went well beyond attempting to determine the debtors current contact information and is clearly in violation of the FDCPA which " prohibits a collection agency from discussing your debt with your family, friends, neighbors or employer. ''