23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a dispute with experian credit bureau 3 times about a false claim on my credit report of a car repossession. It is with the company XXXX XXXX XXXX. Their address is XXXX XXXX XXXX, XXXX XXXX XXXX ma XXXX. I have never taken out a loan for a vehicle in my life and have only leased my cars. I called XXXX XXXX XXXX personally and gave them my name and my date of birth and they told me that they have no one in their record with MY NAME and MY BIRTHDATE. So that obviously means it is not me in that repossession and it should not be on my credit report. This is impacting my credit score but it seems everyone that works at experian credit bureau does not know how to do their job correctly. So I am filing a complaint towards them.
Product: Credit card

I have a credit card with Wells Fargo. On this account I have a promotional balance ( for a transfer balance at a 0 % interest rate ) however my statements does n't inform me of when the promotional balance will end and how much interest I will be charged if not paid of by that date. All my other accounts with a promotional balance provide a separate line for a promotional balance and tells me the balance for the transfer and the amount of interest to be paid of not paid with the agreed upon time period. I think Wells Fargo is n't being transparent with these current practices and given their past history they should be providing services to customers to create trust and transparency. their current practices elude that they are trying to make money off interest that will be paid if customers do n't pay of promotional balances in a time period that customers are required to track.
Product: Credit card

I went to XXXX XXXX XXXX to with the intention of only looking at the furniture. The sales associate persuaded me that I could get a sofa on credit. I was able to get it with Fortiva everything seem to be going good but I was down to under {$600.00} in payment to my surprise my bill is at {$930.00}. when I enquired about the company representative called XXXX told me in a text, we see that your 12 months deferral promo was expired on XXXX an interest charge of {$330.00} was charged to your account. This is the exact words in the text. 
I am upset about this because I was never told that from the furniture store or Fortiva when I applied for the credit. They are making it impossible to get this bill paid off. I have been paying on this purchase for 12 months and they never said anything although they claim its in the statement with an additional {$43.00} dollar fee every month. I pay my bill online and I am ill now missing days from work. It is not right the practices of these companies. I am not sure what will happen by reporting this but other consumers have to know its not right they are taking advantage. And they also applied an annual fee of {$79.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had XXXX was beyond my control and unforeseen health issues.And it caused me a lot of stress.They kept calling me and harassing about a payment.I had XXXX for XXXX month and could not get rid of itXXXX the name of the company is Southeast Toyota Finance XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. They did not want to here how sick I was all they want was their money.
Product: Credit card or prepaid card

Chase Credit Cards are charging me for an unauthorized hotel charge that was on file with the hotel for incidentals only. XXXX XXXX was not authorized to charge my card for anything. This was not an incidental charge.
Product: Debt collection

I am a victim of identity theft .This collection are aware that these accounts are result of identity theft because i have provided my FTC affidavit, my police report. 

The fraudulent accounts in questions are as follows Great $ Weber Account XXXX I never had any services with XXXX XXXX they are also knowingly and willingly reporting fraud on my credit even after provided them my fraud package everting enclosed with my complaint. 

I sent my police report and my FTC affidavit that i received from the Federal Trade Commission Certified mail copies enclosed and havent heard back from this agencies. They have caused me great damage and embarrassment also with emotional distress.
Product: Debt collection

Collection account from CKS PRIME INVESTMENT with account # XXXX and a balance of {$620.00}. The original creditor is XXXXXXXX XXXX XXXX XXXX 
I previously disputed this account stating : ''I dont agree with the amount and the open date of this account. Please provide the last billing statement from the original creditor showing the amount due and the date it was due or delete this account. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this debt collector has a legal right to collect, or delete this account.
Product: Credit card or prepaid card

This credit card is being reported as 30 days late in XX/XX/2022 although I was given erroneous information and I had unauthorized charges on my account. The company did not take the proper steps to investigate my claim and has ignored emails to their corporate office.
Product: Student loan

So I made the qualifying XXXX payments toward my XXXX XXXX XXXX XXXX program and completed that in XXXX, though it was not processed by MOHELA until XX/XX/XXXX. I spoke to someone at MOHELA soon after and they stated that it could take up to 90 days to process the refund and that the refund would be coming from the Department of Treasury. It has now been over two months later so I called the Treasury this morning to see if they could give me an update and the agent there told me they still haven't received anything from MOHELA on their end. I am now back on the phone with MOHELA, have been for over an hour ( after waiting XXXX hours to get a call back from them to begin with ) and they are absolutely giving me the run around, saying that the processing of my refund is basically in limbo, that they can't give a date as to when the refund info was sent or would be send to the Treasury, nor could they even ensure me that what is shown as the total refund on their website is actually what I would be refunded, even though their own site says the amount exactly. The last person I talked to, a supervisor, said she would escalate my request for refund, and I asked her to send me some confirmation of this. We will see if I actually receive anything. As of right now I'm owed a refund of {$14000.00} so I'm not going to just let this go. I will call as many times as I need to. But this is absolutely ridiculous how much effort it's taking just to get my own money back, because you know the IRS would be getting their money from me if the roles were reversed!
Product: Money transfer, virtual currency, or money service

I use venmo for my purchases and my cardvwas compromised and i went to dispute tge transactions at fault and they refused then and sisnt give me back my money
Product: Debt collection

I have contacted FCO several times in regards to a debt that they are reporting to my credit report in which I have stated is a result of identity theft. They requested I send in documentation such as an identity theft affidavit as well as my ID and proof of residency for the timeframe requested. I gathered all the necessary documentation and submitted it to them as requested. Not only did they take well over 30 days to process my dispute but they continued to report it without verifying if it was factual which is a direct violation of the FCRA. It has now been over 6 months and they are still requesting payments and more documents after receiving all of the requested identity theft documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are reporting incorrectly collections in the amount of {$4400.00} ; {$7300.00} ; {$5900.00} ; and {$7200.00} on the XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX   partial account numbers XXXX-XXXX-XXXX-XXXX. ( Please see page attached from my credit report. ) These accounts have been transferred and should not be reporting. This is a violation of the Fair Credit Reporting Act. The false reporting of collections is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed some unauthorized hard inquiries on my credit report I'm not familiar with that I'll like to get removed.
Product: Debt collection

I have been receiving phone calls and letters since XXXX of XXXX from Resurgent Capital Services. They are claiming I owed money back from XXXX to XXXX XXXX in the amount of {$1300.00}. In there letters and even over the phone they have told me that the statute of limitations has ran out and they can not sue me. However I am still obligated to pay them. I told them the debt wasn't mine. I have nothing on my credit report stating so. I have no record of this debt. I wrote them a formal letter asking for proof and also I wanted to get a copy of their license to collect debt in the state of Illinois. I received no proof of debt of that a letter head of their company logo saying I owed money. I was expecting some original documents from XXXX XXXX showing what I signed and agreed on. I also didn't receive any proof of them being licensed in IL. 

They are saying if I don't respond withing 30 days I will be held accountable for the debt and they will be able to legally pursue by re activating the time limit. I sent the another letter saying I didn't receive any valid proof that the debt was mine. I also stated I didn't receive any proof of them being licensed in IL. I would like the phone calls and letters to stop. I believe I have proven I have not obligation to pay what they are claiming. 

Please help XXXX
Product: Credit reporting or other personal consumer reports

I am submitting a complaint after noticing unauthorized inquiries on my credit report. 
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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There's an account that keeps showing on all credit bureaus under different names but same dollar amount I dispute it gets deleted then shows again different name gets deleted. Now it's showing again different name I have balances of thousands of dollars I wouldn't let a XXXX something dollars damage my credit. Why does a Disputed item that was deleted keep reappearing on report. No matter what name it's under the item was not is not & will not be mine My credit, exceptional payment history should show that I'm not associated with this low amount negative account
Product: Money transfers

My account with Paypal was closed on XXXX XXXX, XXXX. Paypal claimed that my funds would be available after 180 days. I accepted these terms, but on XXXX XXXX, XXXX, paypal emptied my account to a near {$0.00} balance ( from {$800.00} ). Paypal claims this was for chargebacks or claims against my account, but no such chargebacks or claims were made ( as verified by paypal when I called ). In addition, I highly doubt multiple customers initiated a chargeback on the same day, 6-8 months after the unrelated transactions. Furthermore, I doubt the chargebacks would be exactly equivalent to my account balance. 

It is clear that Paypal has taken funds out of my account for no apparent reason. Additionally, paypal attempted to do this in an underhanded fashion, waiting until 5 months after my suspension and sending me an email stating " Check your paypal message center ''. The email had no mention of my account being emptied.
Product: Credit reporting, credit repair services, or other personal consumer reports

currently i have been trying to relocate my family, however i have been abruptly halted due to issues with my credit. a couple accounts that i am not aware of are on my report. im not sure how this could have happened but, it has held me back long enough.
Product: Mortgage

I believe that I am owed a significant refund from Freedom Mortgage. I have called and email multiple times with no solution to my problem. I have attached copies of my closing costs, taxes from XXXX, XXXX insurance rate, and other misc. Documents that I believe will be helpful in rectifying the escrow errors. 

Please note that I reached out several times in XXXX and once in XXXX to clear up issues with my taxes, as well as multiple phone calls. XXXX XXXX who did my closing also reached out twice and she never heard back ANYTHING either. I had to do a lot of research, calls, and collecting information to figure out some of the issues on my own since I wasnt receiving the information from Freedom Mortgage. 

If you have any questions or need anything further please contact me at XXXX or XXXX. 

I need to get this cleared up asap so I would think 30-45 days from the date of this letter should be sufficient. Please note that since I have had this continued issue without anyone from your company apologizing or correcting the errors I will also be reaching out to a government agency to let them know of the problems with your company as well. I did try reaching out to XXXX  but still never heard a thing with my complaint with that avenue either.
Product: Debt collection

I would like Drive Time to remove the account that's under my name that I co signed for XXXX XXXX
Product: Checking or savings account

On XX/XX/2024 my tax refund of {$560.00} arrived in my Current Bank account, on XX/XX/XXXX, I deposited {$530.00} to my account, On XX/XX/XXXX, I tried to access my account on my mobile app but wasn't able to log in, it says my account doesn't exist, I was finally able to recover my account through personal email and I logged in finally and that is when I realized all my fundings were gone, XXXX unauthorized charges of around {$100.00} each were made from this virtual card issued on XX/XX/XXXX to a merchant by the name of XXXX XXXX XXXX, who I have no idea is and nor have I done any business with, so i filed a disputer with the bank on XX/XX/XXXX and was told the matter will be resolved in XXXX days, today is XXXX and I was told I can't dispute these fraudulent charges because I had no money in my bank when it happened, I have the bank statements showing all transactions and I've had this account for XXXX years very satisfied with their service but right now I am late on my car payment, i am not happy.
Product: Debt collection

Dear Sir/Madam, I am writing to file a formal complaint regarding a debt that I believe to be incorrect or inaccurate. I am requesting the Consumer Financial Protection Bureaus assistance in investigating this matter. 
Details of the Disputed Debt : Creditor Name : Harris & Harris 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 : I have reviewed my credit report and noticed a debt listed under Harris & Harris which I believe to be inaccurate, unjust, and never existed. I have attempted to resolve the issue directly with the creditor, but the matter remains unresolved. Specifically, I am disputing the following issues : 1. [ Inaccuracy/Issue # 1 ] : The debt never existed.

2. [ Inaccuracy/Issue # 2 ] : Comcast claimed that I agreed to a contract, after being with them for 4 years. We received a new modem because they stated the one, we had was outdated. After such things, the internet still didnt work, and we proceeded to close the account. Thats when we were told that we were in a contract. This never happened. The lady who set us up on the new modem, unknowingly, added us to a contract, without our approval. 
Despite my efforts to resolve this, the creditor has failed to provide sufficient documentation or evidence to validate the debt or correct the reported information. As a result, the debt is still being reported as valid and continues to impact my credit score.

Request for CFPB Action : Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information and seek corrections. As a consumer, I also have the right to request documentation or proof of any debt being reported. The creditor has not provided sufficient documentation to substantiate the debt in question. 
Therefore, I am requesting that the Consumer Financial Protection Bureau intervene and assist in resolving this matter by : 1. Investigating the creditors reporting and collection practices.

2. Ensuring the creditor provides sufficient documentation to validate the debt, as required by law.

3. Taking appropriate action to ensure that my credit report is updated if the debt is found to be inaccurate or improperly reported. 
Documents Enclosed : A copy of my credit report showing the disputed debt. 
Any correspondence with the creditor ( if applicable ). 
Documentation proving my claim ( if applicable ). 
I trust that the CFPB will take appropriate action to resolve this issue. Please keep me informed of any updates regarding this matter, and feel free to contact me at [ phone number ] or via email at [ email address ]. 
Thank you for your attention to this complaint. I look forward to your prompt assistance in resolving this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is in response to your recent response to my latest disputes, I am totally XXXX that after multiple dispute letters this items still can be found in my credit record. I have told you that this is in direct violation of XXXX XXXXXXXX.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft ( SEE ENCLOSED 605B IDENTITY THEFT REPORTS ). I have no knowledge of the accounts contractual agreement with the accounts listed below. Transunion, XXXX, and XXXX did not provide the mandated documents required by the Fair Credit Reporting Act and Fair Credit for the accounts listed below : Transunion, XXXX, and XXXX has not established evidence of lawful debt or the authenticity or accuracy of a piece of evidence of a lawful binding contract with me namely full disclosure creating credit or specific information such as the original contract ( a statement or photocopy is not a contract pr automated verification ) with my signature supposedly agreeing to payment terms or proof of period billings statements according to FCBA 1666b to report late payments. No proof of contract or statements means no authority to report or collect from me ensuring maximum possible accuracy according to FCRA 607 ( b ). 
XX/XX/XXXX The Fair Credit Billing Act 1666b requires XXXX, XXXX, and Transunion to have physical proof that statements were delivered to my address at least 21 days before the billing period ends. NOT REPORTING 100 % ACCURATE INFORMATION AS REQUIRED BY SECTION 609 OF the Fair Credit Reporting Act. Change statues from late to paid as agreed on time. 
XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX are reporting incorrectly that I am 120 days past due on several loans with the Dept of Education that have a {$0.00} balance and a {$0.00} past due. This is harming my credit and it is obviously impossible to be past due on something that does not have a balance. The are four Dept of Education accounts that are reporting incorrectly.
Product: Debt collection

Collected over {$480.00} from credit card account. Questionable way of enrolling clients. Ca n't or refuse to give proof of an agreement. Multiple fees charged each month. Company ca n't account for them
Product: Credit reporting or other personal consumer reports

My information was sold illegally I was a Victim of XXXX XXXX XXXX. No actions has been taking I did check to see if my information was impacted by the XXXX XXXX XXXX. Claim has been filed against XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted repeatedly to XXXX and XXXX to remove some identity theft accounts from my credit. I have also sent in the Identity theft report and the police report. They  are refusing to remove these fraudulent accounts from my report
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of my disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering these funds was impossible. 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 consumer safety.