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

We were offered over the phone a deal on 0 % balance transfers. When speaking with the representative, I specifically asked about future purchases on the card and if that would affect the 0 % interest on the balance transfer. I was assured it would not affect it and that we could make additional purchases without imperiling this deal. We were then charged interest on the additional purchases even though we made a payment, because they applied the payment to the balance transfer and not new purchases. What this does is essentially force us to pay down the balance transfer immediately to avoid interest on the new purchases, defeating the purpose of the deal. When we contacted customer service, they said this language was in their fine print, which was not told to us over the phone, and that we should not use the card for additional purchases, which again was not mentioned by their agent. This is essentially a bait and switch, leaving out very important information in their sales pitch, greatly affecting our financial situation.

We transferred the balance of {$11000.00} on XX/XX/XXXX and contacted the company on XX/XX/XXXX for the {$26.00} which we are now going to be charged monthly as interest on the new purchases
Product: Checking or savings account

I open a business account with square. I just open my own a XXXX. I receive {$5000.00} for a loan and the next day square close my account. I could not use my loan which is very needed for my company. They dont let me get access to my fund, my XXXX now have 3 months arrears rent. They wouldnt give me any explanation on the phone or when I would get my money back. Sent me an email saying 90 days then another saying 180 days. This account hurt my business badly. This situation happened in end of XXXX. They charge me {$200.00} fee and hold the money and close my account without warning, Thank you
Product: Debt collection

Today, I received a notification that I had a {$220.00} collection added to my account for an XXXX XXXX XXXX bill, and that a new name had been added to my credit report. When I looked, it was from Franklin Collection Services under my brother 's name, even though it is on my report.

I never received notification or anything concerning this account previously required by 15 USC 1692 809 ( a ) neither in my name nor in his name, yet it has ended up on my credit report. The only communication that has occurred was the notification from XXXX  and XXXX  telling me that I had a new collection on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX CT GA XXXX account # 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 an account without my written instructions
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

I am filing this compliant regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan a late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$4100.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$3100.00} XXXXXXXX XXXX XXXX  XXXX XXXX Balance : {$23000.00} XXXX XXXX XXXXXXXX Balance : {$6900.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$5400.00} SXXXX XXXXXXXX Balance : {$8900.00} XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$11000.00} XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX Balance : {$4100.00} XXXX XXXX XXXX XXXX XXXX {$23000.00} XXXX XXXX  XXXX XXXX XXXX : {$3100.00} XXXX XXXX XXXX Balance : {$6900.00} XXXX XXXX XXXXXXXX Balance : {$5400.00} XXXX XXXX XXXXXXXX Balance : {$8900.00} XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX - XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX : {$4100.00} XXXX XXXX  XXXX Balance : {$3100.00} XXXX XXXX  XXXX Balance : {$23000.00} XXXX XXXXXXXX Balance : {$6900.00} XXXX XXXX Balance : {$8900.00} XXXX XXXX XXXX Balance : {$5400.00} XXXX  XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX  XXXX  Inquired on XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion credit reporting agency is reporting illegal information on my credit report. They are reporting a child support account ; reference number XXXX. Under 15 U.S. code 1681e ( b ) and 15 U.S code 1681i ( 5 ) this account is in violation not reporting 100 % accurate it list the child support court as the furnisher that's forgery and misleading when the courts don't report this type of account
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against TransUnion for its willful negligence and failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically under XXXXXXXX XXXX XXXX ( civil liability for negligent noncompliance ). Despite my repeated attempts to dispute inaccurate information on my credit report, TransUnion has failed to conduct a proper investigation and correct the errors, causing financial harm and distress. XXXX failure to comply with the FCRA has resulted in harm to my creditworthiness and financial standing, which may entitle me to damages under XXXX XXXX. XXXX for negligent noncompliance. I am requesting that the CFPB intervene and hold TransUnion accountable for its failure to : Conduct a full and reasonable investigation as required by XXXXXXXX XXXX XXXX XXXX XXXX ). 
Provide proper notification of the results of the investigation. 
Delete or correct inaccurate and unverifiable information as mandated by federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am receiving scam calls daily from people who tell me that my personal information is being used to open accounts at XXXX XXXX  Today this person identified himself as XXXX XXXX. Phone # XXXX. He then transferred me to a person that he stated worked for Experian. This man said that his name was XXXX and that he also worked for Experian. He had all of my personal and credit card information. He told me that there was a red mark on my Experian account. I asked him repeatedly the reason for his unsolicited call. He told me that I have trust issues. I hung up and blocked his #. I attempted to contact Experian to see why this man has my credit card information, however, I am not a subscriber and I was unable to locate a viable # or XXXX mail. I receive this particular scam call several times a week. In fact, In a weeks time, I receive at least 6 scam calls daily regarding various services. These unsolicited scam calls are very annoying.
Product: Mortgage

Loancare claims they sent me a check on XX/XX/XXXX to refund escrow for loan number XXXX. I never received it, and was contacted by Loancare to reissue the check XX/XX/XXXX. 

I completed the form to have check reissued, and was promised to receive the check in 7 to 10 business days, but have not as of XXXX received my money. 

I have contacted the company several times and spent much time on hold, only be told that it's processing. 

At this point I wonder what my rights are, and if I am owed interest etc.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns about 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 consumers safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this 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 more then 38 times nonstop this is exhausting 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 Bum. 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 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 one negative credit items outstanding debt now that is not mines. 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 negative account 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 XXXX XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im XXXX  now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). Listing these items as information without verifying them within the legally mandated time frame is unacceptable. I require an investigation, a correction, or removal of the following erroneous information 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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my dispute regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is inaccurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit card or prepaid card

I applied for credit from discover in XXXX. I initiated the credit sale, they ran my credit and we then entered a consumer credit transaction but they sent me a message saying I was denied which violates Truth in Lending 15 USC 1605 ( p ). Since they denied me my credit, it is now an unauthorized use of my credit card ( social security card ) and that is a felony. I emailed them a notarized affidavit, along with my proof.
Product: Student loan

I have had multiple problems with XXXX XXXX 's handling of my loans under the Public Service Loan Forgiveness Program. Most importantly, I have called in multiple times to verify that all of my loans were eligible for forgiveness within 10 years, and multiple times I have been told that they were. For instance, I called in XX/XX/XXXX to verify that my monthly payments were correct, as I had just recertified my employment and the payments increased more than I expected. I asked the associate to check how many qualifying payments I'd made and to make sure that everything was on track and my loans would be forgiven at the end of the 10 year period. The associate did confirm that everything was on track and all of my loans would be forgiven at the end of the 10 year period. 
On XX/XX/XXXX, I called XXXX 's customer service line to address an issue with the recertification of my employment and the representative informed me that two of my loans were not eligible for forgiveness under PSLF, and that I would need to consolidate those two loans and restart the qualifying payments on them. I was volunteering at a summer camp for 2 weeks and did not have time to address the issue on the XX/XX/XXXX. Upon returning home, I contacted XXXX on XX/XX/XXXX. I spoke with an associate and a supervisor. Both said they were unable to help me and suggested I apply to consolidate the two loans and restart the 10 year period for forgiveness. I feel as though my loans have been terribly mismanaged and I have been deceived.
Product: Vehicle loan or lease

When I first brought the car I called the salesman back too say it was a mistake because interest was too high and wanted too bring car back he told me after u drive it off the lot u cant bring it back and now that the law says I had 3 days too bring it back and I didnt know and now on the truthful leading act 15 usc 1662 B I cant get my down payment back or I dont have too put a down payment down and I Think that was a violation and wasnt given the right information
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Reference # XXXX, has violated my rights. 

15 US C 1681 Section 602 A states I have a right to privacy.

15 US C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

Hello, I have tried to get bank accounts, and or a new car from places like drive time, XXXX, XXXX, or even apply for loans. However when I do this, these creditors are unable to pull my original report. I am subject to domestic abuse from higher up family members, who liquidated my assets and credit cards, profile and ssn number, all against my will. I was subjected to guilt, shame, and incorrect statements about my financial status, discrimination on how I personally lived my life. They threatened me to comply else they would choose if I lived or died. They are rich family members, and Im requesting the credit companies to remove old accounts, re-establish a healthy credit score, place my negative credit accounts on delete, and give me a second chance. I will be suing my family for defamation, choice abuse, and environmental violations/controls for my credit history and profile issues Ive received . I also want a fresh start on my XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The XXXX credit bureaus must validate these items in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with The Fair credit reporting act XXXX XXXX account XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A States I have a right to privacy.

15 U.S.C. 1681 section 602 A Section 2 : it also states that a consumer reporting agency can not furnish an account without my written instructions
Product: Checking or savings account

can you please help me out my account was closed recently I really apologize if Ive done anything wrong I do not know what Ive done I have been a customer of since 2006 Bank of America they kept my money and I dont know how long is gon na take to send me a check Can you please help me out to get it in the branch I need to pay my rent I have XXXX kids That's all the money I had my name please help me out I need to get it in a branch. I do not know how to pay my rent how to buy a food For my kids please you guys don't do this to me I need my money that I made it with my own Hinge working hard Day-and-night to support my family Please that's what I have I'm struggling right now Please help me GET MY {$4000.00} MY MONEY PLEASE God-bless
Product: Credit card

Immediate Action Required : Removal of Fraudulent Account Due to Identity Theft Details of the Problem : I am filing this complaint regarding an account that has been fraudulently added to my credit report as a result of identity theft. I am requesting the immediate removal of this account as it is not mine, and I had no knowledge or involvement in opening or using it. 

Details of the Fraudulent Account : XXXX XXXX I filed a report with the Federal Trade Commission ( FTC ) regarding identity theft, and my FTC Identity Theft Report is attached to this complaint. 
I have submitted a police report ( attached ), documenting the identity theft and fraud. 
I sent a certified letter to the creditor informing them of the fraudulent account and included proof of identity theft. 
I disputed this account with all major credit bureaus ( XXXX, XXXX, and XXXX ) but have not yet seen action. 
Laws Supporting My Complaint : Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-2 ), I am entitled to the prompt removal of fraudulent accounts from my credit report after providing proof of identity theft. I have provided sufficient documentation to prove the account is fraudulent. 

Relief Requested : I request the immediate removal of the fraudulent account from my credit report by [ insert date XXXX business days from submission ] for the following reasons : The account was created as a result of identity theft and is not mine. 
The continued reporting of this account is causing severe harm to my credit score and financial well-being.

Immediate removal of the fraudulent account from my credit report. 
Written confirmation that the account has been deleted. 
Failure to resolve this matter promptly may leave me no choice but to pursue legal action or file additional complaints with regulatory authorities. 

Thank you for your immediate attention to this matter. 

XXXX Reference Number XXXX Contact Information : Full Name : XXXX XXXX XXXX XXXX Phone Number : XXXX Email Address : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX born XX/XX/1949 and I am a victim of identity theft.
Product: Debt collection

Originally obtained a predatory car loan with an interest rate of 26 % through mega auto finance in XXXX XXXX, CA. I believe, and a high car payment, with the vehicle also having a mandatory vehicle disabler, like I was a criminal or something. Than after a few months to a year I decided enough is enough and I volunteered to surrender my car, which was co-signed by my dad. The company sold the car at auction only getting if I remember a third of the loan value. They wanted an additional at the time around {$6000.00} more. I told them that wasnt my problem, that they didnt get the amount they wanted. So they put a derogatory remark on my credit and my fathers. So for each month over the next three or so years they marked as late unpaid. Eventually charging off as bad debt which also said CLOSED. Yet here we are a year Or two after that remark, and they still are reporting negatively. I had attempted last year to settle the debt for {$1500.00} to put an end to it, they wouldnt even consider it. After asking for a manager I was given a specialist who is a glorified debt collector. XXXX XXXX. 

Than, after recently checking my report, they seemed to have added on interest!

This company needs to be shut down. Nothing but bad reviews and predatory practices.