23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

XXXX charges totaling {$1900.00} were charged against my business acccount. I am not a XXXX customer and there is no reason for these charges to my account. Wells Fargo has completed their research of the matter and is unable to reimburse me because I did n't notify them until XX/XX/2015 and the charges were made on XX/XX/2015. I 've already contacted XXXX and they have indicated that they can not help.
Product: Mortgage

US Bank continues to fail to report payments on my joint mortgage accurately to the credit bureaus. My records indicate at least 3 payments which appear to be missed when in fact they were made to US Bank. My credit report shows a payment was missed in XX/XX/2019 and that is false information. 

Additionally, US Bank is not responding to my questions.
Product: Credit reporting

I was notified that by my credit monitoring service that a company named XXXX XXXX XXXX XXXX obtained a copy of my credit report from Equifax on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. I provided XXXX XXXX XXXX formal notice of dispute and request to cease unauthorized inquiries into my credit report. In my dispute I notified XXXX XXXX XXXX the debt purchased by XXXX XXXX XXXX XXXX, whom they obtained the credit report for, was discharged in Federal Bankruptcy Court ( XX/XX/XXXX ) and any attempts at collection ; including credit report inquiries is a violation of Fair Debt Collection Practices and Fair Credit Reporting Act ( XXXX ). I have no legal ownership interest in the property which they are attempting to collect. As a result of my dispute, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX have acknowledged they obtained my credit report in error and contacted Equifax via telephone and mail correspondence to request they remove the errant record of the inquiries. Equifax refused to remove the inquiries. 
I have also contacted Equifax via letter of dispute dated XXXX XXXX, XXXX and XXXX XXXX, XXXX. I also contacted Equifax via telephone on XXXX XXXX and XXXX, XXXX. Equifax has repeatedly refused to remove the inquiries and denied my disputes. In addition to mail and telephone disputes I faxed Equifax documents ( Bankruptcy Discharge Order, Property Deed, XXXX XXXX request to remove inquiries ) supporting the inquiries were made in error. During a phone conversation with Equifax supervisor, " XXXX '' I notified her the debt in which the inquiries were linked had been discharged in a federal bankruptcy proceeding. Supervisor XXXX acknowledged she had received the discharge order and request to remove the inquiries but refused to remove the inquiries. XXXX XXXX XXXX has been unable to utilize Equifax 's Rapid Resolve system to remove the inquiries and all efforts ( phone, mail, electronic ) to have Equifax remove the inquiries have failed. 
Equifax has acknowledged XXXX XXXX XXXX notice of errant inquiry, have reasonable knowledge the inquiries were made in error and violate Federal Bankruptcy Protections afforded me but refuse to remove the errant inquiries. It is my assertion Equifax has been provided sufficient documentation to support the information they are reporting is incorrect and are required to remove the errant inquiries.
Product: Credit reporting or other personal consumer reports

To whom it may concern, i am writting to dispute fraudlent information on my credit report pursuant to 15 U.s.c 1681c-2 i have enclosed a copy of my police report / ftc idenitity theft report to support my idenity theft claim .These are multiple unquires all withn one day of each other on my credit report but i authorized one of them.please remove all of these unauthorized inquries immediately. 
U.s. code 15 u.s.c {$1600.00} et seq.section 604 of fair credit report act. 
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
Product: Vehicle loan or lease

XXXX : Truth in lending violations. Inaccuracies in the Annual percentage rate, finance charges and the amount financed. Thus violating my consumer rights as defined by 15 U.S.C. at 1605 ; 1606.

see page 2- Itemization of amount financed.

Items that should have been included in the Finance Charge are- XXXX
Product: Student loan

I took out a student for XXXX college XXXX yrs ago they kept raising the tuition so I quit and went to a community college. I started receiving these bills from a collection agent CBE group stating that I owe {$11000.00}, I was at XXXX for maybe XXXX semesters. I tried to work out a payment plan with CBE Group to pay off the loan, they told me I have to pay {$150.00} per month, I told them that was too much I do n't make that kind of money. Upon my first payment they took {$150.00} plus an additional {$200.00} that I did n't authorized. Then they started calling my job all day every day ( I work in retail ) and my cell phone. Now they 're call asking for my XXXX. I refuse to give them my tax return, XXXX, paystubs and other private documents. I 'm on a payment plan with them and I 'm still receiving all these phone calls. Please I need them to stop calling my job and I do n't owe {$11000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm having trouble with the bureaus resolving an issue with a charged off account. I have contacted all 3 credit bureaus about the inaccurate information being reported on my credit report. The bureaus all came back with XXXX XXXX  being updated and/or resolved, but XXXX XXXX  is still reporting inaccurately on my credit report. It's a closed charged off account reporting monthly.
Product: Debt collection

FBCS INC HAS BEEN WITHDRAWING MONEY FROM MY CHECKING ACCOUNT IN THE AMOUNT OF XXXX DOLLARS PER MONTH. THIS DEBT WAS INCLUDED IN CHAPTER XXXX BANKRUPTCY. FBCS INC COLLECTION AGENCY HAS NO WRITTEN AUTHORIZATION FROM ME TO WITHDRAW ANY MONEY FROM MY CHECKING ACCOUNT FROM XXXX. SINCE FBCS INC HAS NO WRITTEN AUTHORIZATION FROM ME TO DO SO AND NEVER DID GET ANY FORM OF AUTHORIZATION THEY NEED TO CEASE ANY FURTHER COLLECTION FROM MY CHECKING ACCOUNT. THEY NEED TO UPDATE THEIR RECORDS TO SHOW DISCHARGED IN CHAPTER XXXX BANKRUPTCY AND PAY ME BACK FOR ANY MONEY THAT HAS BEEN WITHDRAWN FROM ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

i disputed an address on XXXX and they claim the information is accurate although it is not.
Product: Credit reporting or other personal consumer reports

My name, address and employment of my report are incorrect! I've reached out over and over to get this issue resolved. There are also accounts on my consumer report that do not belong to me! This is all in violation of my rights.
Product: Student loan

ON THIS DATE OF XX/XX/year> THIS ACCOUNT ( XXXX XXXX XXXX  XXXX ) DEBT ID XXXX AND DEBT ID XXXX HAS BEEN PAID IN FULL IN THE AMOUNT OF {$2600.00} AND {$1700.00} I HAVE ATTACHED A PAID IN FULL SETTLEMENT TO THIS COMPLAINT.
Product: Money transfer, virtual currency, or money service

Reference number : XXXX Transaction Date : XX/XX/2024 Amount : XXXX $ Beneficiary name : XXXX XXXX Hello sir/Madam Above is the reference number for remitly I have send XXXX $ to the beneficiary but remitly was not able to send the amount into correct account instead they send it to wrong account. I have gaven the correct account details however they deposited money into incorrect account.
Product: Credit reporting

This complaint is in reference to a Macy 's account that has been charged off several years ago and for which I received a XXXX for the balance. The account has been disputed several times with the credit bureaus for the inaccurate way its being reported. The account currently shows a balanced owed and late status which is inaccurate. Please address the correction of this account for I have done so with to no avail.
Product: Mortgage

PNC engaged in fraud and now they are trying to get me to pay XXXX. They already ruined my credit and now they still have this charge on my credit report. When several offers came for the house, they refused the offers and the house ended up in foreclosure and being sold for a fraction of what was offered by potential buyers. I also believe the terms of my loan for the house were more onerous and higher due to being an XXXX XXXX.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX  according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. 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 have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX there were 3 credit inquiries on my credit report that I did not authorize Bank XXXX XXXX XXXX XXXX JP Morgan Chase A new credit card application was denied by Chase ( XXXX XXXX XXXX ) I did not try to open this new account
Product: Mortgage

I started my home loan process with hometown lenders back in XXXX. It started out great but towards the final process of my loan things have taken a turn for the worst! This has been the most stressful experience of my life. My loan officer did not tell me that I would have to put funds in an escrow holdback at closing. She kept saying that I qualified for the dream home program and would close and have over 30 days to complete the needed finishes on the home I purchased. Then right before closing, I was told I had to put over {$15000.00} in an escrow holdback so that I could close on time. I believe I closed on XX/XX/XXXX and then it said that I had to make the repairs by XX/XX/XXXX. I told the loan officer that I did not think my contractor would be able to make that timeline but she told me to sign it anyway and to not worry about the date. I never felt comfortable with this. Then, my contractor did not complete it by that date. I was threatened after this by the loan officer. She would say that if it was not completed Hometown Lenders would fine me for not holding up to obligations. She also contacted my contractor and demanded to know when he would complete the repairs and was extremely rude to him. Now, the work has been completed. The appraiser has also done the final inspection and my funds have still not been released. I already had to pay my contractor some of the balance for the completed repairs before even receiving my funds from the escrow. This has put me into financial turmoil. I am absolutely devastated and do not know what to do! I already had to come up with {$15000.00} and now I will have to pay my contractor almost {$9900.00}. This is {$25000.00} that I have had to come up with and I have no idea if or when I will receive this {$15000.00} back. This has gone on for weeks and Hometown still cant tell me where my money is or if I will get it back!
Product: Debt collection

I have been harassed by phone for months by XXXX XXXX XXXX, who I think was previously harassing me under a different company name. Multiple phone calls per day, seven days a week -- two today already ( XX/XX/23 ). They state I owe {$970.00} to a company called Check N Go. I never received money from this company, I've never even heard of it. I called them today and requested their address, and also then to speak to a manager after they refused to give me any co. information. They refused to put me through to a manager. 

This happened to me a few times with different companies in the last few years, one of them more recently I believe being whoever XXXX was prior to being called XXXX, as the same male with a southern accent left the same messages under a different company name previously ( shut down their scam shop and opened under a new name? ) I am being harassed for money I never took from a co. I never heard of. This is disgusting, predatory behavior by this " debt collector ''.
Product: Credit card

Company used to always show expiring promotional finance balances on the login landing page where you would make a payment. Then they quit doing that and buried that information making it extremely difficult to find, you could find it by downloading the statement. Problem being that you could not download a legible statement, all you received was an XXXX spreadsheet showing the balance. I had an expiring promotional balance that I would have paid off but was not being disclosed. The result was an approximate {$2000.00} interest charge. I contacted card company and was willing to pay the amount and explained that they were not showing that expiring promotional balance and that it was unfair. They didn't care and/or try to be reasonable about the situation. After the occurrence I changed to having paper statements sent to me to prevent this from occurring again. Unfortunately, that doesn't fix the issue of the gross interest being charged and now compounding interest on the added {$2000.00} finance charge on top of it. They are not playing fair and need to be reported so other people don't meet the same fate, which I am sure there are plenty of them out there at this point. I can not be the only one. They used to be so good at disclosing that right up front every time you logged in, no more. Now they hide it, hoping you will miss it so they can charge you exorbitant interest fees.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Mi, XXXX Dear all, believe your company has violated several of my consumer rights. Specifically you : - Failed to validate a debt at my requestFDCPA violation -Continued to report a disputed debt to the CRAFCRA violation Not only have you ignored my prior requests for validation of debt ( proof enclosed- receipt copies or letter copies ), but you continue to report this debt to the credit bureaus, causing damage to my character. This letter will again request that you follow the FDCPA and provide the following : Validation of Debt Request - Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest, and penalties -Contract bearing my personal signature As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak, but failed to do so. Therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense. 
I expect to receive proof requested above, within 15 days of this letter. Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as indicated under both the FDCPA and the FCRA. I may seek damages from you if warranted. 


The Debts involved are as follows : XXXX XXXX {$1600.00} XXXX XXXX {$250.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in the 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 recovering lost funds was impossible and tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I put an fraud alert on all  XXXX  credit reporting agencies because I did n't authorize any of the following inquiries. I sent letters to the credit agencies and also the company in which inquiries where pulled from and they still remain on my credit report.             XXXX   :  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX  (  XXXX  )  XXXX  Inquiry Type : Individual Requested On :  XXXX / XXXX / XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,   XXXX    XXXX  (  XXXX  )  XXXX  Inquiry Type : Individual Requested On :  XXXX / XXXX / XXXX    XXXX    XXXX  BANK  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX  (  XXXX  )  XXXX  Inquiry Type : Individual Requested On :  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  Inquiry Type : Individual Requested On :  XXXX / XXXX / XXXX
Product: Credit reporting 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. 

Account Name : XXXX XXXX  XXXX Account Name : XXXX and list of Inquiries XXXX5 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 XXXX 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: Credit reporting or other personal consumer reports

Remove these inquiries, please. I have no knowledge of them, and the company proceeded without my consent
Product: Credit reporting, credit repair services, or other personal consumer reports

Walgreens advertises on their website that you cans see if you pre-qualify for their credit card with no impact to your credit report. That is not true and when I tried to check to see if prequalified and for how much it took me through all the regular prompts and it put a hard inquiry on my credit report. I contacted them to let them know about this and they did not care and are refusing to make this right and remove the hard inquiry. I feel like I scammed by their false advertising ploy to get me to sign up for a credit card.
Product: Credit card

Capital one closed account because my payment was from an autopay account that did not have sufficient funds, because I had just switched banks from a bank that had a bank run on it to a more secure bank and when I inputted new autopay information to CC company I clicked checking instead of savings. After years of timely payments with no late payments ever, capital one decided to close my account for one missed payment due to this switch. They have been trying to charge me a late fee which I would not like to pay, as I immediately payed bill when I noticed the autopay did not go through. And they tried to charge me interest on a later missed payment when they approved a charge on my card when my account had been closed and then tried to charge me a missed payment fee on not making a payment for that transaction. I paid the amount due for the charge, as I received it, but they did not waive the interest. Now, I have a mark on my credit report
Product: Credit reporting or other personal consumer reports

I'm sending this to let you know that the listed company has an unapproved inquiry on my credit report. Below is the name of the company and the dates on which I acquired the inquiry. 
XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

The following account has been disputed several times to Equifax. XXXX has stated that 41 % of payments made but balance has never decreased and that is because this was a predatory loan by XXXX for which XXXX has been fined for previously in court cases. Moreover, XXXX does not own the clear title to vehicle where vehicle was sold by third party which breach consumer contract with XXXX and XXXX failed to report amount vehicle was sold for which XXXX was aware of before XXXX 

Since Equifax has consistently violated consumer rights to a thorough investigation, the inaccurate information continues to be reported and causing financial harm to the consumer for which consumer will seek monetary damages. 

Consumer is entitled to accurate information being reported on consumer report as required by FCRA to consumer reporting agency. Equifax has consistently denied consumer that right. Instead of simply verifying the account, had Equifax completed a thorough investigation, Equifax would have easily identified the erroneous information and deleted the account which consumer requested from not only Equifax but XXXX and XXXX also. The later two consumer reporting agencies followed the law under FCRA and complied where inaccurate information was deleted, please see attached file. 

XXXX Acct XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing you about the compromising of my social security number. I am a victim of Identity Theft and believe my information was breached in the XXXX XXXX breach. I contacted the Federal Trade Commission and filed a complaint # XXXX I also included a signed and notarized copy of my Affidavit of Facts and Truth. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made or accounts I have opened. It is the result of identity theft. 
1. Identity Theft COLUMBIA DEBT RECOVER Account Number : XXXX I am victim of identity theft and have included my FTC report. Please remove the account from my credit report. 
This company is reporting false information on my name and has not shown any method of verification on this account belongs to me.