23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I purchased a car on XX/XX/2020. 
XXXX days after I purchased this car, I was in an accident and the car was totaled. I had insurance on this purchase as well. I completed everything I needed to with the insurance company to get the car paid off and have the account settled. There was a {$2700.00} shortage on what was paid out to what was owed. Credit acceptance didn't even let me know I had a balance owed to them. i checked my credit report and i saw XXXX, 90 day late payments on my account with credit acceptance. this doesn't even make any sense as I have XXXX - XXXX and XXXX - 60 day lates, only 90 day lates. Once I found out about this, I paid the account off with the settled amount and the balance is now {$0.00} but i am still feeling the pain of these XXXX, 90 day lates on my credit report today and this doesn't make any sense as the communication wasn't there on any of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is incorrectly reporting that my last name is XXXX. My correct last name is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my multiple endeavor to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. Again, the accounts I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please remove all these accounts in my credit file that resulted from alleged identity theft. 
XXXX XXXX XXXX  XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$2200.00}XXXX XXXX XXXX Balance : {$2400.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$10000.00}, XXXX  XXXX Balance : {$0.00}, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX Balance : {$290.00}
Product: Credit card

I had filed a credit card dispute for a {$9000.00} purchase I made while on a cruise stop in the XXXX XXXX. The purchase was made on XXXX and the dispute was filed on XXXX. 

They requested me to send them documents via the postal service. I asked if there was a way I could email the documents and they sent me an email with a means to securely upload documents that would be active for 14 days. Each time I uploaded documents, I received a notice in my account that the documents had been received. I also made several phone calls to confirm this and check the status and they always had a record of any calls I made. 

On XXXX, they informed me that the merchant had responded and my dispute was denied and my case was closed and they rebilled me for {$9000.00}. They also told me I could dispute the decision and submit additional information to support my case. On XXXX I submitted XXXX documents to them and did not receive a notice in my account that they had been received. I contacted them on XXXX and was told that my documents had been received and a decision had been made on XXXX and I lost my dispute and they could no longer help me. I spoke with a supervisor named XXXX that day and she confirmed everything the customer service rep said and they could no longer help me and I would receive a notice in the mail. 

On XXXX, I contacted them again as the date to appeal ( XXXX ) was approaching and I had still not received anything in my account to show my appeal documents had been received and the case was re-denied. I spoke with a girl named XXXX and she assured me they had received the documents, my case had not been decided and that I should hear by the end of the month. I liked that answer better so I chose to accept it and wait a few more days. Again I asked why I had not received notification in my on-line documents and she had no answer. 

On XXXX I contacted them again. This time they had no record on my conversation with " XXXX '' and reconfirmed that my case was in fact closed and they could no longer assist me. I spoke with another supervisor, XXXX, and she was sympathetic but assured me my case was closed at Capital One and I would have to work something out with the merchant. 

Since I resubmitted my documents on XXXX, Capital One has been less than helpful. Their dispute process is very cumbersome and when they stop communicating, they stop communicating and you are on your own. 

I have since paid the {$9000.00} to Capital One, finally received my products on XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I initially emailed Experian and XXXX, a basic dispute letter asking them to verify that the information on my credit report was reporting accurately. Experian responded with a generic response saying that it was updated. I disputed the account with XXXX XXXX, debt collector involved. XXXX XXXX responded that they will no longer be collecting on the account, and that they will ask the reporting bureaus to delete the information. XXXX  had this account as a duplicate, they deleted one and left the other, Although I provided them with the letter from XXXX XXXX. Experian responded twice with Updated. How can they update an account was they was told from the debt collector to DELETE. I sent Experian another dispute along with the letters, pointing out FCRA VIOLATIONS and another copy of the letter sent from XXXX XXXX, saying for the bureaus to delete the tradeline. Experian responded again saying that the account was updated. I called Experian and spoke with a customer service rep. who told me that would open another dispute. They sent information saying they could not located my file in their database. I have enclosed all information below. I am seeking counsel for the violations in questions. Both XXXX have XXXX   under a DIFFERENT ACCOUNT than the account number XXXX XXXX  sent. However the account number is WRONG as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the following creditors/ credit reporting agencies have violated my rights. 

-- Bankruptcy XXXX # XXXX, # XXXX -- XXXX # XXXX -- CBA XXXX # XXXX -- XXXX XXXX XXXX # XXXX XXXX XXXX  XXXX # XXXX -- XXXX XXXX XXXX # XXXX -- XXXX # XXXX -- XXXX XXXX  # XXXX -- XXXX XXXX # XXXX 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 XX/XX/XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I received an advertisement for a brokerage account ( margin, which is credit ). All fed affiliated banks are bankrupt and committing bankruptcy fraud here : XXXX XXXX XXXX I want my collateral returned. I will never open another XXXX denominated account. You have stole in excess of a XXXX dollars from me via XXXX. I will never do business with you again. Stop contacting me.
Product: Checking or savings account

After filing several claims with Navy Federal because of money taken using cash app and other forms Navy Fed did not return any of the money although I provided a police report number and advised Navy Fed my account had been compromised. Navy Fed refused to acknowledge any fraudulent activity on the account after months of dealing with this I do not know how to get my funds back.
Product: Credit card or prepaid card

Citibank services my Best Buy Credit Card on XX/XX/2020 I paid my account in full in the amount of {$7200.00} on XX/XX/2020 I checked the account online to see that the payment had been credited to the account and a new charge of roughly {$680.00} had come through and the account showed the credit for {$7200.00} and a new balance of {$680.00} I authorized Citibank to withdraw {$680.00} to again bring my balance to {$0.00} - Citibank went ahead and withdrew and additional payment of {$7200.00}. When I called Citibank they acknowledged the mistake and now show I have a credit of {$6500.00} on my account I explained to Citibank that I don't want a credit on my account I want the {$65.00} # ^ put back in my account immediately. They informed me they can't do that immediately that it would take over 5 days to return my money to my bank account! This is unacceptable frankly criminal behavior on the part of Citibank they took my money in less than 12 hours but can only return my money in an unspecified number of days that exceeds 5 days.
Product: Credit card or prepaid card

A made a deposit to a car dealership to pre order a vehicle for {$3000.00}, at the time of deposit I was told it was refundable. XXXX weeks later something occurred in my personal life that required me to come up with additional funds, as I tried to get refund back, I was told it was non refundable. I have processed a claim with Well Fargo. I never signed a clause, contract, nor terms and condition policy with this dealership stating the parameters. I received the receipt ( attached below ) that doesnt show or state any guidelines I was told refund was refundable and now Im being told otherwise.
Product: Credit card or prepaid card

I have been working with Chase for over a year to get a refund for my flight that I purchased through them. I have an email confirmation from Chase stating that I am due a refund of close to XXXX. To date I have only received XXXX and no one at Chase is able to tell me when the remaining amount will be received. Its also unclear why I only received this amount. Im struggling financially because Im short XXXX. Chase originally told me that it would take 7-10 business days to receive the refund. The XXXX I received within 1 business day but its unclear when I will receive the rest. Please help.
Product: Payday loan, title loan, or personal loan

Someone logged in my navy federal account and signed for a loan under my name. I filled out a form with them but they said it was still my loan to pay. It was opened in 2020 and is now charged off.
Product: Money transfer, virtual currency, or money service

I am writing to promote express my concerns regarding Zelle handling of disputes, particularly in light of the recent CFBP 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 CFPBs findings indicate that Zelle has not only neglected to protect consumers but also allowed repeat offenders to exploit the system leaving users vulnerable to scam. 
This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX and Experian continue to report an alleged debt that is not due. XXXX XXXX XXXX XXXX was transferred the contract from XXXX XXXX XXXX XXXX which the apartment contract lease is the security that is funding this credit transaction and therefore I am entitled to the interest which is being made. 

Furthermore the debt has been canceled and reported to the IRS so the account can be audited. XXXX XXXX XXXX XXXX is selling this alleged information to Experian and Experian is damaging my credit by reporting this as a collection without proper verification. 

This debt has been canceled and now a certificate of income and income can not be reported to a consumers credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian received bank statement that reflects balance is/was below credit line under XXXX XXXX XXXX XXXX acount. There were unauthorized charges made on the account that was refunded by 3rd party. Experian has my credit score below 600 with proof sent by consumer credit usage incorrect at 101 %
Product: Debt collection

Preferred CMS ( XXXX. XXXX XXXX XXXX, FL XXXX XXXX, XXXX ) has been continually robo calling my cell phone since approximately XX/XX/XXXX. On XX/XX/XXXX I sent them a certified letter ( that they signed for ) requesting that they cease and desist all communication with me and they have failed to comply. Due to all of the calls being automated robo calls, I have never spoke to a person a Preferred CMS, but if I had to guess, I would think that this is about a {$30.00} co-pay from XXXX XXXX XXXX XXXX that was billed and paid on XX/XX/XXXX. Both XXXX XXXX and Preferred CMS have received copies of the cancelled check showing that the amount and account number have been paid. I have proof that the bill was paid and proof of Preferred CMS 's acceptance of the cease and desist request.
Product: Debt collection

Received a document XX/XX/2020 from Weltman, Weiberg & Reis Co., LPA with looks to be a photo copy of Request and Writ For Garnishment from the court house. Does NOT state original debt or who the original debt is from. They are trying to collect a old debit that is past STATUE OF LIMITATION! This should have come from the Court House, instead it came from a 3rd Party who is trying to claim a old debit ( don't know the original creditor ). I do NOT owe this debit!
Product: Debt collection

I have recently discovered through my monitoring service that I am a victim of Identity theft. I have noticed over the past few months accounts not belonging to me being reported to my file. I have reported fruadulant account reported as XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) for the amount of {$2100.00} I have tried to reach out to this company in efforts to resolve this matter and remove this from my file previously although nothing has been done to resolve this matter.
Product: Credit reporting or other personal consumer reports

I discovered based off XXXX XXXX compliance that all the company listed below was not in compliant with XXXX XXXX that was put in place to protect us as consumers. 

Also for all the Charge Off accounts listed below i would like to request a 1099-C that was issued by credit bureaus when the debt was charged off with the IRS which is required by law for all debt over {$600.00}. 

You're in violation of 15 US Code 1681 ( b ) -Permissible purpose of consumer reports- as the consumer i did not give you my written to report such things on my credit report. You're also in violation of 15 US 1666 ( b ) -A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I am very embarrass that you would insult my character and report such misleading things, i will be contacting my lawyers for defamation of character if these matters dont get rissolve. I am demanding you remove these late payments from my credit report within XXXX hours receiving this letter. The concerning accounts are listed below as a consumer again i demand the removal of these late payments. 


XXXX late payments XXXX collections XXXX XXXX charge off XXXXCharge off  XXXXCharge Off
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXXXXXX and XXXX XXXX from 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX  XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022
Product: Student loan

I enrolled in XXXX XXXX XXXX school in XX/XX/XXXX. It was a 3 month program and I obtained a loan through XXXX for approximately {$9000.00}. Over the years I have made payments or received deferments during periods of unemployment. Last year I received a deferment based on a health related financial hardship. During the last year, XXXX obtained my debt from XXXX and then Navient obtained it from XXXX. The payments they are asking from me are double what I was paying a year ago. The amount of the debt is 4 times the amount I borrowed nearly 30 years ago. I can not financially afford such a payment and they will not fairly cooperate with me in lowering the payment. In addition to my living expenses, a car loan and debt I incurred during a lengthy hospital stay, my financial obligations are already surmounting, making my finances very tight. I also have serious questions about the loan date listed by Navient of XX/XX/XXXX. My original loan was dated in XX/XX/XXXX.
Product: Debt collection

I have been attempting to work with Optimum Outcomes who is collecting on my medical debt. They wo n't provide written communication without me repeatedly calling and they will not allow me to make reasonable monthly payments on the debt. I am given different options each time I place a call and none of them make sense or are reasonable. One persons said that they would let me pay half of the debt owed as a settlement but when I called back I was told that I could only get 10 % off. Then when I attempted to make a payment arrangement of {$50.00} per month I was told that they could n't accept that and they would continue to report me to the credit agencies. I also asked to settle the debt for {$500.00}. They claimed that they would contact the original lender to review this but they never followed up with me so I called back and they said no. I asked for documentation and they said that they do n't provide documentation. I keep getting the run around and I need resolution.
Product: Credit card or prepaid card

A credit card was opened in my name with Chase Bank. I did not open this card and reported it as fraud.
Product: Credit reporting or other personal consumer reports

XXXX, Equifax, and XXXX have violated many of my rights. To start, there are many inaccuracies in my credit report such as different dates of birth, addresses that I have never been associated with and different addresses for my current address, payment dates and original balances for multiple accounts, payment histories, opening dates etc. I will provide the first 4 pages of my credit report as an example. If needed I can send the full report. 

I have never received any options or notices informing me of my right to be able to opt out of disclosures and preventing most third party affiliates from accessing my personal information through financial institutions. Not to mention that my transaction history has been made available when it shouldnt have been reported. 

Charge offs still remain on my credit report when I am well aware of the fact that they are now Certificates of Indebtedness and considered income which also should not be on my report. 

These are violations of the Fair Credit Reporting Act, and the Privacy Act of 1974.

15 USC 1681 A, B 15 USC 6802-6805 16 CFR 313 & 16 CFR 433s 12 CFR 1016.1, 12 CFR 1016.4, 12 CFR 1016.7 Section 3711 e of Title 31 of the Privacy Act of 1974
Product: Bank account or service

This complaint is about Bank of america, location address XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, on XXXX XXXX, 2015 I deposited a check into my checking account at the drive-up ATM in the amount of {$200.00} from XXXX XXXX. Bank of America took the money out my account within a week. XXXX XXXX states that the check was cashed by bank of America on XXXX XXXX, 2015 and has faxed a copy of the signed check to different workers numerous times on several different days. Its been three months and Bank of America will not give me my money.
Product: Mortgage

I initiated my request for a loan modification with Seterus on XXXX/XXXX/XXXX. In order to get movement on my modification, I had to to reach out to my investor, XXXX, directly in XXXX/XXXX/XXXX. 
Seterus offered me a Trial Period Plan on XXXX/XXXX/XXXX which required that I make {$890.00} payments on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. All these payments were made as agreed. To date, I have not received my permanent modification documents. I talked to a Seterus customer service representative, XXXX XXXX, on XXXX/XXXX/XXXX. 
XXXX said that modification papers were being drawn. 
The documents had not arrived by XXXX XXXX, so I called Seterus and talked to XXXX on XXXX/XXXX/XXXX who said that the documents were being generated. To date, no modification documents have been delivered to me.
Product: Credit card

I called customer service XXXX and asked why my Comenity store card for XXXX XXXX card was deactivated when I paid the account full and last payment was XX/XX/year>. I received no letter or email stating that my card was deactivated for no usage activity. I have had this card for several years and never had a problem and always paid my balance when recieved. 

I was at the store about to pay for jeans and the store clerk from the XXXX, IL store said my card was deactivated and I need to call customer service to get it reinstated. I talked to customer service and they were no help and then I talked to a supervisor and they said they can not reactivate my XXXX  card for XXXX days. I told them this was not authorized and they can not just deactivate your card from no activity since XX/XX/year>.