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

In XX/XX/2019, I had settled a debt wit Account Control Technologies who was collecting on behalf of XXXX XXXX University. I was informed on a recorded line that upon settlement of the debt with Account Control Technologies, a request would be submitted to the credit bureaus to have this account removed from my credit records. As of today, the zero balance account is still reporting on my credit report. I had contacted the collection company a different occasions requesting assistance and was instructed to dispute the account with the bureaus, in which I have, twice. The dispute was completed each time with the same results validating the account, not acknowledging the dispute reason of what I was informed about. Additionally, the original delinquency date through the original creditor is well over sever years now.
Product: Checking or savings account

Hello, On XX/XX/XXXX, I opened a citibank checking account using the promotion code : XXXX The terms are : Open a new Checking account and Citi Savings account in Citi Bank Account Package by XX/XX/2018. Within 30 days of the opening of the new eligible checking account, any owner of either eligible account must make a deposit of {$15000.00} or more in New-to-Citibank Funds into the new eligible checking account and/or the new eligible savings account. The remaining balance requirement may be deposited into either the eligible Checking Account or eligible Citi Savings Account. A minimum balance of {$15000.00} must be maintained for 60 consecutive calendar days following the date when the {$15000.00} deposit was made ( minimum balance ). 
On XX/XX/XXXX ( the 30th day ), I decided I would drive to the nearest branch and deposit the remaining funds to the nearest branch in XXXX, CT. Before making such a long drive, I decided to call to make sure that the deposit would still count towards the promotion. I called at XXXX XXXX and was told that the deposit would still meet the requirements if I made the deposit that day. Therefore, I decided that it a {$400.00} promotion was worth 3 hours of driving and roughly {$25.00} in gas. I made the drive and at XXXX XXXX deposited {$8000.00} in cash to the teller at XXXX XXXX. This brought our balance to {$15000.00}, over the required {$15000.00} deposit within the required timeframe of the promotion.. 

However, now I am being told that I did not meet the deposit within the required timeframe because the deposit was made on a Saturday and Saturday deposits are not counted till the following business day and that therefore I will not be receiving the bonus. This is frustrating, because I was assured on the phone, the day I made the deposit, that it would meet the requirements. No where on the original promotion did it say that weekend deposits do not count till the following business day. 

I have escalated my case twice via the phone with citibank representatives. On XX/XX/XXXX I received an electronic communication saying that I do not meet the requirements because I did not meet the deposit in the required time frame. On XX/XX/XXXX I tried to appeal the decision again, by mailing a letter and a copy of my phone bill indicating that I had spoke to a citibank representative prior to making the deposit. I received no response to this letter, and when I called to check on it in early XX/XX/XXXX no one seemed to have seen the letter. I was given a fax number instead. So on XX/XX/XXXX I faxed the same letter and phone bill showing that I made a call that day prior to the fax and indicating in my letter that I made the deposit on the 30th day even though they did not count the deposit till the following Monday. I called on XX/XX/XXXX and it was as if this letter was never received. 

I appreciate your assistance.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this company have violated my consumer rights. Under the FCRA 15 USC 1681 section 602 states that I have the right to privacy as a consumer. 15 USC 1681 section 604A also states that a consumer reporting agency can not furnish an account without my consent or willing instructions. Furthermore, under 15 USC 1666B section A, a creditor may not treat a payment on a credit card under an open-end consumer credit plan as late for any purpose.

Capital One - made reports of late payment about my open-end credit card account in the months of XXXX and XXXX for the year of XXXX ; in XXXX late payment reports were made for the months of XXXX, XXXX, XXXX, XXXX and XXXX.
Product: Debt collection

Two debt validation letters were sent to the company Credit Collection Services. located at XXXX XXXX XXXX XXXX, MA XXXX and XXXX XXXX XXXX XXXX, MA XXXX. The letters were sent on XX/XX/2021 and received on XX/XX/2021. A follow up debt validation letter was also sent out on XX/XX/2021 and received on XX/XX/2021. As of today, XX/XX/2021 I have not received the correct information to validate this debt. The company has failing to validate this debt but is still reporting the account on my credit report.
Product: Credit reporting or other personal consumer reports

I have identified several unrecognized accounts on my credit report that are not mine. I suspect they may have resulted from identity theft or fraudulent activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, the 3 major credit bureaus have broken fcra 605 ( b ) laws by leaving on accounts/public records on my credit report after i've sent them all the stated necessary documents & ftc police report deeming them as fraud due to i.d theft. 
Each bureau has stated over phone with me that they've received and processed the documents but are still " under investigation '' beyond the four business days of receipt stated in the fcra 605 ( b ) law. I should not be held to credit disparity due to a identity thieve. These 4 fraud items i have listed in my police report should have already been BLOCKED!
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXXXX/XX/XXXX
Product: Payday loan, title loan, or personal loan

I recently see I might be apart of a class action lawsuit, against " One main financial '' I'm not really sure about it. But, I did receive a loan from that company in 2016. 

Please get back to me when you can. 

The amount was for {$7500.00} XXXX XXXX I'm a XXXX  resident. 

Thank you!!
Product: Credit reporting or other personal consumer reports

It's truly unbelievable that Experian notified me again there working yet on another complaint and once again they are NOT working on anything but mean while constantly pushing high interest credit cards on loans with interest rates like a loan shark. Clearly it's a computer generated response and one persistent reading or addressing the problems
Product: Checking or savings account

My account was closed on XX/XX/XXXX due to suspected fraud of a check. The check was not honored and no money was spent or released from the check in question. I had some pending claim disputes still ongoing during the closure of the account, so I was told after the disputes are cleared that a cashiers check would be sent to my address on file & no deposits or withdrawals would be honored. I was told my estimated closing date is XX/XX/XXXX, allowing enough time for merchant to respond to my claims ( I put these claims in late XXXX ) I received a XXXX XXXX XXXX deposit to the should be closed BOA account on XX/XX/XXXX and instead of returning those funds to the creditor as they told me via letter and phone multiple times earlier in the month that they are not honoring any deposits or withdrawals as of XX/XX/XXXX and that funds would be sent back to originator, it was kept honored and posted to the account. My pending disputes were settled as of XX/XX/XXXX and BOA is still holding my funds for an estimated closing date of XX/XX/XXXX that could change at anytime which was contingent on the disputes being processed and handled, which they are all resolved. I am behind on rent and due to get evicted in a few weeks. I have nothing to tell my landlord besides BOA is holding my money. I didnt owe the bank at the time of account closure I actually had funds inside of the account, now I have over XXXX in the account I have not been able to access in well over a month. The XXXX deposit that was kept should have been returned to the creditor and it wasnt, this alone on top of my other funds sitting inside the account has put me in a bad space mentally and financially. The department I am transferred to treats everyone like a criminal and does not care to offer valid answers. I have asked to go inside of a branch to claim funds and was denied. I am in desperate need of my funds as my livelihood depends on it.
Product: Debt collection

I WAS AFFECTED BY THE XXXX SECURITY BREACH AND ALSO A VICTIM OF IDENTITY THEFT. THE COLLECTION AGENCY IS PROFESSIONAL CREDIT MANAGEMENT XXXX XXXX XXXX XXXX XXXX  ... .COLLECTING FOR XXXX XXXX XXXX THIS IS WHAT I AM SEEING ON MY CREDIT REPORT. I REACHED OUT TO XXXX  ON THIS ISSUE AND THEY REMOVED IT AND BLOCKED THE COMPANY. I GET A LETTER XX/XX/18 FROM XXXX STATING THEY VERIFIED THE COLLECTION AND PUT IT BACK ON MY REPORT. QUIT NATURALLY THE COMPANY WILL SAY ITS MINE BECAUSE MY INFORMATION MUST HAVE BEEN USED BY FRAUD..XXXX GOT SOME NERVE AFTER ALL THEY HAVE PUT US CONSUMERS THRU LETTING MILLIONS INFORMATION GET STOLEN. THE AMOUNT OWED IS {$260.00}. I HAVE WRITTEN TO THE AGENCY AND ADVISED THE ACCOUNT S FRAUD, I HAVE NOT GOTTEN A RESPONSE THAT HAS BEEN MONTHS, AND ALSO CALLED THE AGENCY AND THE COMPANY THEY ARE COLLECTING FOR NO RESOLUTION BECAUSE THE REPS WERE SO RUDE, SO I ENDED THE CALL..XXXX  IS RESPONSIBLE AND NOW THEY WONT FIX IT
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern : I have sent out letters to Transunion on XX/XX/22 XXXX, XXXX and XX/XX/22 items I deemed questionable and inaccurate. In these letters I requested Transunion to validate these items they are reporting on my credit file. 

Each time I demanded to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) they don't send me the proof I requested, and only send me a generic letter stating item has been " verified ''. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), credit bureaus and data furnishers are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. 
Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I am in distress, because I feel like Transunion is trying discourage me and detour me from disputing items I deem inaccurate and questionable. How can I take a company 's word for something as being just " verified '' when they ignore my request for proof on numerous occasions? If you have properly verfied the items, than why not send the proof I requested. Now They are sending me letters stating that because I already disputed the accounts, and since they have came back " verified '' they are not required to reinvestigate. 

My rights have been violated and I will be filing a complaint with the XXXX, and my states attorney general. Furthermore if this issue can not be resolved I will take legal action against the Transunion.
Product: Credit reporting or other personal consumer reports

I am writing you this letter regarding payments that were marked late by your company for the following accounts on the following date ( s ) : XXXX XXXX XXXX XXXX It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered as part of my transactions and experiences between me and your company.

Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures [ according to 15 USC 1666 ( b ) ] that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by section 1637 ( b ) of Title 15.

Please forward any changes to my account to the address below. Thank you for your time and consideration in this matter. I look forward to hearing back something positive.
Product: Checking or savings account

I received direct deposit from my paycheck to American Express Serve. They were 3 purchases made with my card n I told them repeatedly that it wasnt me who made the charges. They said they have proof I Told them I was at work n I live in XXXX The purchases were done in XXXX in XXXX while I was at work. 
I only use my American Express serve card for ATM withdrawals in XXXX only. 
The amounts were on XX/XX/23 for {$130.00} XX/XX/23 for {$53.00} both purchases from XXXXXXXX Please help me get my money from my direct deposit back Thank you
Product: Debt collection

McNeil & Meyers XXXX XXXX XXXX XXXX This is not my account. I have been back and forth with this collection agency and all XXXX credit bureaus. All three bureaus said over the phone and online that the account has been verified. I received a copy of a contract that had another address on it so they blacked it out with a marker, it shows a electronic signature that isn't my original signature. This account does not belong to me. this is not validating anything and the XXXX bureaus had no right to put this on my credit without my written consent. I have bee requesting for months that this account be removed immediately. I told them I know my rights and I would have to take actions to file a complaint.
Product: Student loan

Student aid. Gov has incorrectly stated my loans were in administrative Forbearance XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. As I reviewed my previously private loans with XXXX. I have attached the confirmation from XXXX. Payments were made XX/XX/XXXX for {$49.00}, XX/XX/XXXX for {$49.00}. Another administrative Forbearance was placed on Student Aid.gov incorrectly for XXXX. The months listed are XXXX and XX/XX/XXXX. Payments were made on XX/XX/XXXX for {$48.00} and XX/XX/XXXX for {$48.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been contacting Transunion explaining that someone has attempted to open accounts in my name creating a ton of Fraud inquires on my credit report. When I call to speak with someone, they tell me I need a police report or an FTC report which I have mailed several times with no response. I know that is more than normal and I can't even fit them all on one FTC report. Please help me because the representatives are not.
Product: Vehicle loan or lease

I am writing to file a complaint against Westlake Financial regarding a discrepancy in the balance related to a repossession and the failure to provide necessary paperwork. I believe that the actions of the financial institution have caused significant inconvenience and financial hardship.

Furthermore, despite multiple attempts to obtain the necessary paperwork and documentation related to the repossession, I have not received any response from Westlake Financial. The lack of documentation hinders my ability to understand and verify the legitimacy of the outstanding balance and request a fair resolution to this matter. 

These discrepancies and the lack of cooperation from Westlake Financial have caused significant distress and financial burden on me. According to UCC 9-616 believe that this goes against the principles of fair and transparent lending practices and constitutes a violation of my consumer rights.

I kindly request your assistance in resolving this matter promptly. I urge the Consumer Financial Protection Bureau to investigate this complaint thoroughly and ensure that Westlake Financial corrects the discrepancy in the balance and provides the necessary documentation without further delay. 

Thank you for your attention to this matter, and I look forward to a prompt resolution. Should you require any additional information or have any further questions, please do not hesitate to reach me.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my deep concerns regarding Zelles management of disputes, especially in light of the recent CFPB findings that shed light on critical shortcomings within the platform. Despite my frequent use of Zelle and my efforts to report unauthorized transactions, both my financial institution and Zelle failed to address my concerns adequately.

I was informed that recovering lost funds was deemed impossible and that tracking these transactions was beyond their capabilities. Such responses are unacceptable. The CFPBs findings further underscore that Zelle has not only fallen short in protecting consumers but has also enabled repeat offenders to exploit the system, leaving users like me exposed to scams.

This experience has severely shaken my trust in Zelles reliability and security protocols, and I urge immediate reforms to prioritize user safety and accountability.
Product: Payday loan, title loan, personal loan, or advance loan

I purchased a vehicle late XX/XX/year> with XXXX XXXX. Westlake Financial agreed to buy the car for over {$15000.00}. On XX/XX/XXXX I was involved in a car accident. XXXX was my insurance provider at the time and they told me the repairs on the car would be more than the value of the vehicle itself. They made a payment of {$11000.00} to Westlake Financial. I had called XXXX XXXX on XX/XX/XXXX regarding GAP insurance and was informed that Westlake was attempting to cancel the extended warranty on the vehicle to get a refund. I contacted Westlake Financial the same day to discuss the extended warranty and they said they were in the process of getting the refund. They had me check in with them on XX/XX/XXXX to get an update on the warranty. I was unable to call them so I sent them an email. They told me the refund was still processing and to check in again on XX/XX/XXXX. During the time they were processing the refund I was still making automatic payments on the vehicle, unaware the refund had already been processed. According to the statements on their website I had an outstanding balance of {$100.00} on XX/XX/XXXX of this year after they had received their refund. This balance was paid in excess on XX/XX/XXXX of this year. I made an automatic payment of {$330.00}, which brought the balance to {$0.00}. On XX/XX/XXXX, I received a letter from them that I had a balance of {$170.00} due and they had been trying to contact me, and that my account was delinquent and I owed {$15.00} in late fees and another {$5.00} for other charges. But for some reason now I'm being charged {$300.00}. I received no phone calls, emails or other forms of contact from this company regarding this outstanding balance, and they withdrew the {$300.00} on XX/XX/XXXX of this year without my knowledge. I have tried to contact them multiple times on the phone and online. Their phone system is difficult to navigate and will not let me dial XXXX to speak with a representative, and when I can get ahold of a representative, they disconnect the call. No representative responds to the online chat within a timely manner that I have been left sending them emails that take them days to respond to. I feel like my money has been stolen and my loan account was made delinquent for no real reason, as I have only made one late payment with them back in XXXX and have made my payments on time every month since then.
Product: Mortgage

Bank of America totally disregarded my objections to being transferred to XXXX who are known bottom feeders. There was absolutely no reason for this transfer other than it was done based on my XXXX  It appears that Bank of America allowed XXXX a look at my loan, XXXX late payments, credit score over 800 I am a A+ borrower. 
" Homeowners are often transferred to XXXX once they become delinquent on their mortgage payments. Many lenders try to protect their brand when it comes to foreclosing on homeowners. '' The information on XXXX only get 's worse. Being with Bank of America since 2005 and having a excellent record leads to me to believe there is a quid pro quo when he comes to XXXX  and the transferring of their loans. The mortgage industry is well aware of the top tier mortgage companies, XXXX is not one of them. This is a way of identifying subprime loans in the industry, which my loan is not. This XXXX intrinsic and bias behavior is unacceptable and requires an investigation.
Product: Credit card

Suspected misuse of the principal account for XXXX XXXX XXXX, Estate. Please see attached.
Product: Debt collection

XXXX XXXX was the original company that stated I owed {$690.00}. Well, I disputed it with them because I have no knowledge of the account and it was removed off of my credit report. I will attach copies of when I disputed it and when it was removed, but now the same debt from XXXX XXXX for {$690.00} was bought out by a debt collector named portfolio recovery associates, in the exact same amount from the original creditor of XXXX how can they buy a debt first of all that wasnt even mine or I had no acknowledgment of and a debt that one removed from my credit report in XXXX XX/XX/2023. So I would like it completely removed off of my credit report from this company. I feel as if that is fraudulently buying a debt that someone has known acknowledgment of and one the original creditor removed it off of my report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have many incorrect accounts on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX  XXXX XXXX {$810.00} XXXX XXXX XXXX {$430.00} XXXX XXXX   XXXX {$540.00} XXXX XXXX $ {$680.00} XXXX XXXX XXXX {$50.00}
Product: Mortgage

I am currently on a forbearance plan with Shellpoint Mortgage Servicing. On XX/XX/2020 they took a payment out of my checking account for the amount of {$1300.00}. According to the forbearance conditions they are not supposed to pull payments unless I set them up. My wife contacted them and was told they would return the funds no later than the XX/XX/2020, which they have not done. They also discribed that they would not be returning the full amount. I have tried to contact them multiple times to get my funds returned and now the customer service line disconnects me whenever I ask to speak to a representative. There have been multiple occasions where I have tried to contact this company and they hang up on me.