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

It is enshrined in the annals of the Fair Credit Reporting Act, under the category of 15 USC 1681 section 602 ( a ), that consumer reporting agencies have the solemn duty of guarding the fairness, impartiality, and respect for consumer privacy in their line of work. In this scheme of stakeholders, esteemed institutions such as XXXX, Transunion and XXXX operate as consumer reporting agencies and I, the undersigned, fall under the category of the consumer. 

XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$410.00} XXXX  XXXX XXXX XXXXXXXX Balance : {$890.00}
Product: Credit reporting or other personal consumer reports

I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health|
Product: Credit reporting or other personal consumer reports

I went on Experian credit score to check my report and a address for Arizona came up under my name I havent ever lived in any other state other then XXXX for XXXX  years can this be removed because its not me. The address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There were 5 inquiries made on my account on XX/XX/XXXX. I did not authorize all of these inquiries and they subsequently lowered my score. There were 3 more made on XX/XX/XXXX. I did not authorize all of these. I had to file bankruptcy a couple of years ago and I am trying to rebuild my credit.
Product: Credit card

American Express is not reporting consistent information after I 've left their company with a XXXX balance and closed the account. The account still reflects an outstanding balance of the entire credit limit plus residual interest which has since been wiped from the account. 
Please explain to this company that they should not be reporting FALSE information after a customer pays the remaining balance off and closes an account. 

Please refer to the images which go into detail on the payment information as well as the account closed listing. This particular listing indicates that I closed the account with an outstanding balance which is not true.
Product: Credit card

I was unable to use my card at the store ( XX/XX/XXXX ) and looked into my account. Nothing on their website indicated a problem under my account. Today ( XX/XX/XXXX ) I received a letter in the mail stating they closed my card due to excessive return payments. 
I recently had a return payment on XX/XX/XXXX due to having fraud on my bank account and having to open a new account. This payment was processed unknowingly to the wrong account and I immediately sent a new payment with my new account that posted as of XX/XX/XXXX. 
The second return payment was in XX/XX/XXXX due to clicking the wrong account by mistake. This I do take responsibility for but once again i immediately sent a new payment that processed days later back in XXXX. 
Outside of these XXXX instances I have been a customer since XXXX and have made payments every XXXX weeks that can be seen in my account history. I have been a loyal customer that Target has increased my credit limit multiple times due to my great record. 
To be closed by them comes as a great shock and now closing my card will impact my credit score. 
Further when I called, the woman I spoke to had no idea what I was talking about and put me on hold multiple times to attempt to research. When she finally got back on the phone she stated what I knew from the letter and said I could reapply for the card because I have outstanding approval odds and her retention team is unable to correct this due to it being closed and they can not fix a closed card. 
Essentially that tells me they are admitting they were wrong. 
I will not be reapplying because it will impact my credit score but also I will never trust them again. I will pay off my balance and never look back but this needs to be put in front of a regulatory board and examined. This is wrong!
Product: Debt collection

I noticed this company ECMC ( collection company ) reporting negatively on my credit report. I requested proof from them and I also disputed with the credit Bureaus at the same time. The have not sent me any proof of debt with them or any original creditor. They are not registered in the state of CT as a business domestic or foreign. I called the secretary of the state to find out the rights and they let me know. This company does n't have authorization to collect in CT. I 'm not sure who they are at all.
Product: Debt collection

I had a home years ago in XXXX, UT. I had split rooms into rentals, we already had services with other companies. My son and his wife wanted XXXX, I eventually gave in and ordered. On the day of install, I returned from an appointment to find my policeman neighbor outside to tell me about the damages to my property. We went to the back yard to find it ripped apart. My home was on the market to be sold. All my sod was destroyed, they used coal shovels destroying the lawn and left chunks of sod and mud all over the yard. The XXXX dish cables were severed and laying in the garden. XXXX XXXX cable I purchased in Arizona had been cut from the basement wall, about XXXX '' hanging from the wall. These XXXX installers had used MY cable to run their cable from the trench, across the lawn, over the TOP of the hog fencing and then on the ground, then into the side of the house. I went into the house, picked up the box that was there for the self-install and immediately called XXXX. I was told to bring the equipment to their offices off XXXX XXXX and the account would be canceled. I did that, with my grandson. We stood in line for nearly an hour, then the girl at the counter refused to accept the box. I asked for her supervisor, a guy came out from the back and I stated all that had happened and then he said he would send a supervisor to my home to make the repairs and pay for the damages. That NEVER happened! So, I NEVER opened the box, never turned it on, nothing but took it back to the store THEY told me to go to. 

As of today, XXXX/XXXX/XXXX, my bank informs me that my credit is damaged by XXXX ( XXXX XXXX credit bureaus, both initiated by XXXX!! I have spent this entire day on the phone with XXXX and their circus! No matter how many people you talk to or " supervisors '' you are told they 're transferring you to " Corporate '' when they do n't. It all goes back to Billing, where they do n't help. 

I have also learned that XXXX also filed against me for another amount of {$860.00} using another name, but I had not been in that home during the dates they claim, as I lived in another state. 

XXXX destroyed my credit for what? I 'm an old woman, a XXXX widow and grandma. THEY destroyed my home and property so I could n't sell it. We lost XXXX when we did finally sold it when the housing market declined, after I had to shell out the costs to make the repairs. 

I have been lied to by every single employee of XXXX for many years. I was told that because I returned the equipment, I would have no charges, then they destroy my credit!! 

THIS IS N'T FAIR OR LEGAL IS IT?? 

I 've never had a notification, knew nothing about this until now. I suffered a XXXX XXXX XXXX in XXXX and have a hard enough time just coping, to be abused by this huge corporation is wrong!! 

By the way, I have many witnesses to the damages that they did to my home and also how I did follow through that same day and drove to their office and handed the unopened box back to them..
Product: Credit card or prepaid card

My roommate helped me fill out my unemployment claim. I thought claim was denied and she cashed our over XXXX dollars without my knowledge. When I discovered the fraud I contacted Bank they closed my account until XXXX XXXX XXXX when I verified my i.d at bank. They hang up on me give me different answers and keep denying the claims. They put the dispute into 4 claims and they paid me on one in XXXX but keep denying the rest. I got a letter saying my claim would be in my card by XXXX but it wasn't and then they tell me it was denied on the XXXX. Everyone is passing the buck and nobody is resolving this. I need my money. Please help me. I filed police report and with the ftc
Product: Credit reporting or other personal consumer reports

I recently was made aware of an account that is not mine I havent given my verbal or written consent to anyone to open such account I have disputed this account multiple times with both the credit bureau and the collection agency but to no prevail I have attached documentation to disputes proving this collection account is not mine but they keep telling me is been verified even tho they wont supply me with the original documentation with my signature binding me to this account
Product: Credit card or prepaid card

We filed Ch XXXX Bankruptcy in 2013 and included our Wells Fargo credit card in the bankruptcy. They are reporting it in the notes as a bankruptcy but are also illegally reporting a {$12000.00} balance which should be XXXX after the discharge of the bankruptcy. SEE ATTACHED DOCUMENT
Product: Credit card or prepaid card

I have all of my accounts with Bank of America. On XX/XX/2022, a vendor refunded {$10000.00} to me, by way of the Bank of America Visa credit card I had initially used for the transaction. The card is paid monthly in full ; I do not incur interest on my charges ( the card is used primarily for regular contributions to charities and the vendor transaction at issue was a one-off ). The refund resulted in a balance in my favor of over {$8600.00} ( the Bank owed XXXX money ). On XX/XX/2022, I transferred the {$10000.00} refund to my savings account at Bank of America. On XX/XX/2022, Bank of America assessed a {$500.00} loan fee. The Bank also assessed interest, but agreed to withdraw those charges. It refuses to reverse the loan fee because its system recognizes the {$10000.00} transfer as a cash advance ; claiming that they can do nothing about it the {$500.00} fee. 

I did not borrow {$10000.00}. I received {$10000.00} in XXXX of my Bank of America accounts and then put it into another of my Bank of America accounts. Bank of America did not loan me XXXX cent and incurred no risk or liability. Interestingly, Bank of America folk tell me that if I had only telephoned the Bank and asked a Bank person to make the transfer, rather than doing it electronically online ( which I am allowed to do ), there would have been no fee. This suggests that there is a button to push but that I, the consumer, am not allowed to push it. This sounds like theft and a gotcha to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is showing on my credit report that XXXX XXXX XXXX XXXX XXXX, which I am a member of has conducted a hard inquiry on my account/credit history without my authorization on XXXX XXXX, 17.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on several accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the accounts : XXXX XXXX XXXX XXXX .... Balance : {$12000.00} XXXX XXXX XXXXXXXX XXXX. Balance : {$220.00} CXXXX XXXX XXXX XXXX XXXX : {$12000.00} XXXX XXXX Balance : {$220.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CURRENT ADDRESS XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME ADDRESS : 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 REPORTED XX/XX/XXXX THESE NAME VARIATIONS DO NOT BELONG TO ME XXXX  XXXX XXXX, XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Our current mortgage company LoancareXXXXXXXX has taken over {$3000.00} from my husband 's bank account without authorization. My husband and I both have contacted them numerous times by phone and by email. They have yet to refund our money nor do they have any excuse for the transacations. My husband has had overdraft fees as well as accumulated credit card fees, late fees, bills we can't pay because we have no money. Our bank account has been overdrawn since XXXX XXXXXX/XX/19 and we have no cash. Please help us get our money back. 
We have also been wronged by XXXXXXXX XXXX out of XXXXXXXX XXXX They allowed all of these transacations to go through when we were told they would not. The account was already overdrawn but they still continued to let these transactions to go through and post.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been having a collection on my credit report the agency name is XXXX XXXX  XXXX reporting for XXXX XXXX. I paid {$110.00} in return for them to report the collection from my report. It is on my Equifax and XXXX  credit report. The collection has been on there since I put in a dispute in XXXX and I keep getting transferred to departments that can't help me. I received a letter from XXXX XXXX  XXXX on XX/XX/XXXX stating they would have the collection deleted from both reporting agencies. This is stopping me from getting approved for a house and it should be removed already.
Product: Payday loan, title loan, or personal loan

I have been paying this loan for 9 months and still owe more than I borrowed which was only {$300.00}, this is outrageous. Also, I called to payoff the moan and the wouldnt take my final payment over the phone, only the interest payment and I told then I moved out of state. This is a horrible practice, are they trying to charge more money with this final payment process? They said I would have to go in for final payment or western union only and western union charges fees. I asked to speak with a district manager and one never called back and it's been weeks!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has a remark in Experian " Affected by natural disaster. '' We spoke with XXXX, the employee asked if we were victims of hurricanes or tornados. I told her no, we live in XXXX. The remark is incorrect. She refused to remove it. 
We have never been affected by a Natural Disaster. This was an account with all on-time payments made for our XXXX.
Product: Checking or savings account

Capital one closed my checking account with no warning and no reasons as to why. They are keeping my {$150.00} that is in there right now that i need for bills and i called today XX/XX/13 and they were not able to give me details for the account closure or release the funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed several accounts with Transunion numerous times due to the accounts being fraudulent. I have attached a copy of dispute letter and FTC identity theft report as well as proof of identity and proof of address. These accounts are still reporting on my credit report as of today. If an automated system is used for verification I DO NOT CONSENT to this method and request for deletion of these fraudulent accounts. Per FCRA 15 U.S. Code 1681c-2- Block of information resulting from identity theft.

( a ) BlockExcept as otherwise provided in this section, a consumer reporting agency shall block the reporting information in the file of a consumer that the consumer identifies as information resulting from an alleged identity theft, no later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of identity of the consumer ; ( 2 ) a copy of identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Product: Credit reporting or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XX/XX/2022, 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: Checking or savings account

its been 90 days since I ordered furniture on my debit card and the company never responded to my inquiries and never sold me the furniture that I spent well over {$2500.00} on. bbt has yet to refund me for these fraudulent transactions and its been well over 30 days since I filed a dispute. bbt has also blocked me from being able to call customer service saying I entered an incorrect code which I have absolutely no knowledge off so I cant even check on the status of my claim. I went to the branch and ofcourse she didnt speak XXXX well or at least pretended not too. BBT is always moving my transactions around, and changing the amounts of my transactions, which is illegal. I want my money back and my account fully audited
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete : XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of 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 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 consumer safety
Product: Student loan

I had gotten a few months behind on my wells fargo loan, I originally asked for a forbearance which they said was accepted and would be in place until XXXX 2014. It was never put in place. In XXXX I called and setup automatic payments and a payment to pay my past due balance in full. I never heard anything from Wells Fargo after that until I received a letter stating that my loan was due in full and had defaulted. When I called the lady I spoke with said the person who took my account information for the payment missed a number in the account number so the payments never went through. I was never once notified of this and now I have set up monthly payments with them but they will not offer me any relief. I do n't feel I should have a defaulted loan on my credit report if I did not default it was the lenders mistake, but they said there is nothing they can do to fix it or help me.
Product: Payday loan, title loan, personal loan, or advance loan

I took the loan out with this company in the summer, month not recalled. I was planning on paying it back within a couple weeks, but ran into hardships. I also started a new job in which my pay day was opposite week than the withdrawal. I contacted the company several times in order to change pay days and also try and work out a settlement. Loan was {$1000.00} and already paid almost {$4000.00}. On XX/XX/XXXX I contacted them and asked them if they could provide a fair payoff quote and described the situation. The lady sent it up the chain. I received and email saying I could pay {$500.00}, not until XX/XX/XXXX. I asked if we could do {$300.00}. No response. The next day they emailed again XX/XX/XXXX saying now the balance is over {$1000.00} and payoff was only good until XX/XX/XXXX. But they didnt even contact me until XX/XX/XXXX, 10 days after the payoff quote. What? I have already paid a ton of interest on this and this predatory lender should be more reasonable than this. I want this balance completely wiped out at this point. 

Also they have XXXX  people working for them who dont understand a word of XXXX and almost impossible to get XXXX speaking person on phone.
Product: Debt collection

To whom it may concern, I XXXX XXXX, the natural living man recieved correspondence from HRRG XX/XX/23 via U.S. mail regarding an unknown alleged debt. I have never done business with HRRG, I HAVE NOT SIGNED ANY CONTRACT WITH HRRG. I have never given consent for HRRG to house, store, nor share my personal/private information. I dispute the validity of this alleged debt, I demand validation for the alleged debt pursuant FDCPA FCRA guidelines. I have never authorized HRRG to access my private/personal information and do not know what this company is regarding to any alleged debt said to be owed.
Product: Credit reporting or other personal consumer reports

The items listed were not properly verified I did not receive correspondence stating how the items were verified. 
# XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has placed a tradeline on my credit report that does not belong to me.