23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have a credit card with c i t i Bank back in XXXX they extracted {$800.00} for my account without my permission and they refunded it. I was under the impression that they were not going to use that bank account for any more extractions. But they took {$1000.00} from me in XXXX and will not refund it they were told not to do that that account ever again and still they're not helping me after I have called three times
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

while I was away in Florida training from XX/XX/XXXX- XX/XX/XXXX for a XXXX career. When I returned home to start inquiring about buying a home back home in Georgia, I pulled my credit report to check status and notice a few accounts on my file I did not apply for. I called the companies on my credit report and they said that it was accurate. I told them that it was not me I was in Florida and that it had to a mistake. I talked with the loss mitigation department with each company, and each one informed me to file a report of identity theft and submit the required documentation to so that they can initiate an investigation and have my credit report updated.
Product: Money transfer, virtual currency, or money service

From XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX I was scammed from approximately {$45000.00} from a person with a false identity who laundered money through a false name and account. This was involving WellsFargo
Product: Debt collection

I HAVE RECIEVED NUMEROUS NOTIFICATIONS ABOUT A PHONE ACCOUNT THAT IS NOT MINE. I HAVE CONTACTED XXXX WHICH WAS NOW XXXX XXXX XXXX THAT IS IN CHARGE OF THE DEBT COLLECTION. AFTER DISPUTING WITH XXXX XXXX XXXX, THEY WERE NOT ABLE TO PROVE IT WAS MY ACCOUNT. I HAVE ASKED FOR CONTRACTS BINDING BOTH PARTIES, ANY SIGNED INVOICES IN WHICH SHOWS I IN FACT SIGNED FOR THE OPENED ACCOUNT, AND GIVEN MY AUTHORIZATION. NONE OF MY REQUEST HAVE BEEN GRANTED EXCEPT THE FACT THAT I WAS SENT INVOICES THAT ONLY SHOWS MY NAME THAT IS INCORRECT, AND AN ADDRESS THAT SHOWS THE BILLS WERE BEING SENT TO THAT ADDRESS I HAVE NEVER LIVED AT IN MY LIFE. NOW THIS COMPANY XXXX  AS WITH ACCOUNT # XXXX IS TRYING TO DO THE SAME THING AS THE PREVIOUS XXXX COLLECTION COMPANIES. AGAIN THIS ACCOUNT IS NOT MINE, IT WAS NOT OPENED BY ME. AGAIN, I WAS NOT SENT THE ORIGINAL CONTRACTS BINDING BOTH PARTIES, ANY SIGNED INVOICES IN WHICH SHOWS I IN FACT SIGNED FOR THE OPENED ACCOUNT, AND GIVEN MY AUTHORIZATION. WHEN I DISPUTED THE INFORMATION WITH XXXX  AS, THEY STATED THAT " XXXX DOES NOT REQUIRE A PHYSICAL WET SIGNATURE WHEN OPENING AN ACCOUNT AND SIGNATURE IS NOT REQUIRED FOR A DEBT TO BE CONSIDERED VALID ''. ( SEE DISPUTE ATTACHMENT ). I FIND THIS RESPONSE FROM THIS 3RD PARTY COLLECTION AGENCY AND XXXX OUTRAGEOUS. SO YOU TELL ME THAT ANYONE CAN OPEN A PHONE LINE WITH XXXX VERBALLY? WITH NO FORM OF IDENTIFICATION OR ANYTHING. AGAIN, I WILL ATTACH MY IDENTITY THEFT REPORT. PLEASE HELP FIX THIS ISSUE AND DELETE THE COLLECTION ACCOUNT FROM ALL CREDIT BUREAUS.
Product: Vehicle loan or lease

Carmax continues to make contact in order to collect payments/repossess vehicle numerous times after being made aware I have retained an attorney for bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Parson-Bishop Services , Inc. put a derogatory mark on my credit report saying that I have an outstanding, unpaid balance with XXXX XXXX for {$490.00} ( was co-pay for XXXX XXXX  XXXX. I had paid this by check back in XXXX. My check was cashed and I have the images of the cashed check. 
Also, I tried to dispute it with XXXX  and they make it impossible to dispute anything on their web site. They go through a few steps to verify previous addresses, phone numbers, etc to make sure it is really you, then they tell you that you could not be verified and are not allowed to file the dispute unless you sign up for an account with them. This should be illegal. I was able to file a dispute on XXXX   web site with no problems and they didnt try pulling any tricks. 
Furthermore, I have contacted XXXX at XXXXXXXX XXXX and she confirmed that I did indeed pay {$490.00} in XXXX and that I indeed was paid completely and have no balance. 
I also called Parson-Bishop, explained everything and how they made a mistake and they said theyd look into it and call me back but never did and now I cant even get a hold of a live person again. 
My credit score was XXXX 2 days ago and now it dropped to XXXX in 1 day because of their fraudulent and false report to my credit report. I was in the process of looking at new houses and was quoted a very good interest rate because of my score and now my rate might go up and cost me more money because of their mistake. 
They should be able to sued or fined for this. And the credit reporting agencies just as guilty for doing no due diligence and just changing your score based on some accusation that I didnt pay a bill, which I did pay months ago, and giving me no say or due process to present my case, and making it impossible ( in the case of XXXX  ) to even do so. 
Something has to be done about this. These companies have too much power to ruin peoples lives with no accountability on their part. The government should never let this happen, yet they allow it.
Product: Checking or savings account

Chase granted or approved me for a total checking account with a {$350.00} deposit made upon account opening. 2-4 days later, and they always do this, restrict my account due to processing of immediate forced account closure, account charge-off and end their relationship with me. They say it is done on a per account basis. 5 times in a 8 year time span. I feel they are being biased and discriminatory in their handling of my financial affairs, not always on the surface such as at a branch or over the phone, but in review when they look at my photo identification card ( s ) and make their banking reviews and lending approval/adverse decisions. Account was in good standing and representative stated bank was closing my account due to suspicious account activity and restrictions were placed. I only withdrew some funds via branch atm and check and processed financial balances and one attempted, failed, XXXX transaction. They should not have closed an account that was in good standing without attempting to verify activities with me first. I feel this is biased discrimination and prejudice in the financial institutions account handling in attempting business relations with financial institution JPMorgan Chase Bank. They say it a per account decision and not a or never was a permanent black-listing or ban from doing business with them ever again in, now or in the future but 5 times in an 8 year period is proving otherwise and it goes on with the credit bureaus they report to as well showing new negative banking activities information on my account XXXX  as charge-off account and account forced closed, or Closed due to suspicious activities for me to handle in the aftermath.
Product: Credit card

I called the company and explain my situation, when i called, got transfer to the supervisor, i advise the supervisor that i was recording the call also, she did not like that and told me that i did not have her permission so i replay for her not to recor me also. 
she got mad and said that i was requesting not to have any telephone comunications, which is not true, i just said that i did not authorize to be recorder.. she got mad and hang up on me. 

i received an emails saying that they will honor my request to stop phone communications which is a TOTAL LIED!!!! 

I cant make my payments at this time and i need help on their end but they are setting me up to fail by not helping me
Product: Credit reporting, credit repair services, or other personal consumer reports

Some one at XXXX XXXX in XXXX Ohio on XXXX XXXX like case manager XXXX XXXX before she went on perternty leave to have her baby made mother precious XXXX XXXX my payee with out my consent or authorization because I gave my daughter XXXX XXXX XXXX XXXX to complete her internship in XXXX school to get her XXXX XXXX XXXX XXXX in XXXX school. XXXX XXXX a prejudice white boy in XXXX XXXX Ohio that have been stocky harassing and blocking my Light because I am a XXXX degree XXXX trying to connect to the oneness of XXXX all-seeing I at XXXX XXXX in XXXX Illinois at XXXX in XXXX XXXX California confered degree XXXX XXXX in my seventh XXXX Degree Initiation at XXXX XXXX in XXXX Illinois where precious XXXX XXXX and XXXX XXXX the joker are with XXXX XXXX and his mother after my index finger and kids index finger. Camping out all XXXX following everyone I go even To work he has his XXXX members after me him and XXXX XXXX the joker in XXXX Ohio blocking my Light
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes. Particularly in light of 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 recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's 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 scams. This lack of accountability and transparency is unacceptable and raises serious concerns about user safety.
Product: Debt collection

Schlee & Stillman , LLC claim I owe XXXX to XXXX, a XXXX account. This amount is from two fraudulent orders for Apple products which I have no use or need for. Prior to these orders, a request to close XXXX account was made but ignored. XXXX conveniently has no record of my request and has requested numerous affidavits which I will not send in, previous ones were mailed in with nothing done. Please note, there is no proof of delivery for either order, only a signature signed as XXXX, which I never and have never signed my name like this, this is fraud. Also, I have not ordered anything from this company since on or around XX/XX/XXXX, these orders were placed in XX/XX/XXXX, over a year since last order. They claim to have " thoroughly investigated '' the orders which merely consists of verifying billing and shipping address, which obviously match. If they did not match then orders would not be processed and shipped out, which is obvious. In closing, please advise Schlee and Stillman to remove account from collection and credit bureaus, if reported. They have not provided any proof I received these orders or even placed them. I also wish to reiterate I requested account be closed prior and failed to do so.
Product: Credit reporting or other personal consumer reports

I think FCRA 605B means we have to take out any incorrect accounts from my credit report. Could you check the documents? Some of the accounts listed have inaccurate reporting, with wrong amounts and dates.
Product: Credit card or prepaid card

Avant- credit card LLC unauthorized charges on credit card absurd fees and interest charges over 50 % of account balance, it obscene and outrageous, they should not be allowed to perpetrate these crimes with impunity Thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and TransUnion are violating my consumer rights according to U.S. Code 1666b and U.S. Code 1681a ( 2 ) ( a ) ( i ). I seek information regarding the verification process used by XXXX, XXXX, and TransUnion to report late payments on my XXXX account, in line with U.S. Code 1666b. XXXX XXXX XXXX XXXX ( XXXX ) NEVER mailed me periodic statements 21 days before the due dates, as required by U.S. Code 1666b, for specific dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Furthermore, I question the inclusion of these late payments in my credit report under U.S. Code 1681a ( 2 ) ( a ) ( i ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX by phone about my mortgage payment ( s ) being late due to hurricane Irma in XX/XX/XXXX. I was informed at that time that there was a program that I could participate in that would not penalize me for missing my mortgage payments from XX/XX/XXXX through XX/XX/XXXX. I was told there would not be any late fees or negative impact to my credit as a result of participation in the program. I'm sure there is a recording of this call. I was told that I could apply for a modification to my mortgage, which would include the missed payments. I felt such relief and appreciation. In XX/XX/XXXX I began resuming my mortgage payments and at that time XXXX  reported my loan 90 days delinquent to credit bureaus! I was mortified considering I was told that this modification would not negatively impact my credit. I believe I was mislead and now have two or more months of 90 day late payment status on my mortgage I am paying trial payments and feel this account status is not fair to me. If I was aware that this would happen, I would have taken a loan to get the payments in. XXXX  assured me that everything would be just fine and this would not impact my credit. I was approved for the modification.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>2024 these Companies pulled my credit profile without my Authorization. This incident was reported as identity theft & should be removed from my credit profile. - 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
Product: Debt collection

Company : Collectioncenter, INC XXXX WY, The collections company refuses to send me a written payment agreement. I offered to pay the debt in full, with one lump sum, but they refuse to send me an agreement letter with the full amount. 

I think this company is trying to scam people with medical bills.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its leg obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonab reinvestigation of disputed inforni 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 of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removeddisputed 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 and my rights as a consumer
Product: Credit reporting or other personal consumer reports

I am writting to file a formal complaint against TransUnion, a consumer reporting agency, for their failure to comply with the Fair Credict Reporting Act. And rectify a violation regarding the reinsertation of previously deleted material into my credict report. On XX/XX/XXXX, I sent a letter to TransUnion notifying them of the reinsertion of XXXX XXXX account # XXXX and XXXX account # XXXX into my credict report without proper cerification of accuracy and notification to me, as mandated by FCRA Section 611 ( B ). Despite waiting for 35 days after sending the letter, TransUnion has failed to remove the reinserted account from my credict report, continuing to violate FCRA regulations.

TransUnions actions have caused significant inconvenience and potential harm to my credict profile, impacting my ability to access fair credict terms and financial opportunities. Despite my efforts to resolve this matter directly with TransUnion, they have neglected to take appropiate action, demostrating a lack of accountability and compliance with federal consumer protection laws.
Product: Debt collection

I sent a letter to Transunion dated XX/XX/year> requesting Full Disclosure 15 USC 1681g ( a ) ( 1 ) and stated that I didn't want another copy of my credit report and that is what was sent back to me.
Product: Debt collection

on XXXX/XXXX/2020, I requested MERCHANT ADJUSTMENT SERVICE ABOUT AN ALLEGED DEBT OF XXXX THAT THEY SAY THAT I OWE AND I HAVEN'T HEARD BACK FROM THEM SO I SENT THEM ANOTHER LETTER ON XX/XX/2020 REQUESTING INFORMATION ABOUT THE SAME DEBT THAT THEY SAY THAT I OWE.FIRST THIS IS A HIPPA VIOLATION BY REPORTING MY MEDICAL INFORMATION THAT I DIDNT AUTHORIZED.I ATTACHED A COPY OF THE LETTER BELOW
Product: Bank account or service

Background : In 2012 I received XXXX, from Chase, in the amounts of {$2900.00} and {$4600.00}. I claimed the amounts on my taxes as income. The XXXX says the " lender has discharged ( cancelled or forgiven ) a debt you owed ''. Chase continues to report the account : * as having a balance of {$5900.00} and {$3900.00} Problems : 1. The balances are inconsistent with the amounts on the XXXX 2. It is painting a picture that the debt is still owed. I have paid taxes on it and Chase has claimed it as a write off for tax benefits. 
3. As a result, I have had to pay increased interest charges. 
4. I have been turned down for credit as a result of this reporting. 
If I received a tax form indicating that the amount was " cancelled '', I paid taxes on the amount, and Chase received a write off for it, it is unfair that it is not reporting a {$0.00} balance. If I paid off the account, then I would be paying more than what was owed because I paid the amount, plus the income taxes on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the listed accounts on several occasions and the furnisher constantly changes the status of the account. These accounts should not be reporting to my consumer report because I have not given written consent for it to be furnished. These accounts also should not be furnishing any payment history as that is to be excluded from a consumer report. Please see attachments for details.
Product: Credit reporting or other personal consumer reports

IT IS TIME FOR THE CFPB TO ENFORCE A HUGE FINE ON BANK OF AMERICA FOR LYING CALLING NEW COMPLAINT WITH NEW DETAILS ( A DUPLICATE ) THEN WHEN I CALL TO INQUIRE THEY LIE AND SAY NOTHING COMES UP DESPITE FOR XXXX YEARS WHEN I CALL MY XXXX  XXXX  XXXX COMES UP AND ARE RECOGNIZED BY THEIR SYSTEM IS CLEARLY MORTGAGE PLANNED AND CARRIED OUT FOR XXXX BY EMPLOYEE XXXX XXXX , A CRIME IGNORE AS A DUPLICATE, BELOW. 

BOA PLEASE ANSWER TRUE OR FALSE, ON XX/XX/2023 AT XXXX FOR 27 MINUTES I SPOKE TO IN YOUR MORTGAGE DEPARTMENT XXXX XXXX WHOM STATED TO ME- XXXX XXXX A GUY NAME XXXX XXXX OF XXXX XXXX ARE LYING SAYING XXXX XXXX HAS CLEAR TITLE BUT ARE NO CLEAR TITLE IN THE FILE AND THEY ARE USING YOUR LOAN XXXX ATTACH TO A LOAN XXXX FOR XXXX TO XXXX XXXX XXXX  XXXX 

TO BANK OF AMERICA XXXX OR NO? 


POLICE CONTACT UNDER REPORT # XXXX DETECTIVE XXXX XXXX XXXX. 

XXXX IDENTITY THEFT FRAUD CLAIM NUMBER XXXX UNDER XXXX. 

TO BANK OF AMERICA TRUE OR FALSE?
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting Dear CFPB, I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by TransUnion. I believe these late payments are erroneous and do not accurately reflect my payment history. 
Nature of the Complaint : Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness. 
Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts. 
Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information. 
Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements. 
Specific Errors Identified : Late payments inaccurately reported for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
Requested Resolution : I request that TransUnion conduct a thorough investigation into this matter and remove the inaccurate late payments from my credit report. I ask that all such entries be updated to reflect my true payment history of 100 % on-time payments. 
I expect to receive written documentation confirming the removal of these entries within XXXX  days of this complaint submission. Failure to resolve this issue may  lead to further action to protect my rights as a consumer. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I appreciate your time to REMOVED some of the items in my file that resulted from an alleged identity theft but I have an ITEMS left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Again, Im sending over a new Identity Theft Report # XXXX Ive already included this issue in a previous complaint & I am including it again here. Ive informed my attorney of my intentions & they are excited to hold you accountable in an event of your willful noncompliance : 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 Please note that you have 4 business days to remove the reporting of any items in my credit file that resulted from an alleged identity theft. I do not consent to XXXX or any means of automated verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

Although I do have accounts with the following companies, I do not recall the credit inquiries performed on the following dates XXXXXXXX XXXX XXXXXX/XX/XXXX, XX/XX/2022, XX/XX/2022. Capital One XXXX