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

All three of the credit reporting bureaus XXXX XXXX, TransUnion, & XXXX  ) do not provide the proper information, web forms, or customer service center access for US military personnel and their families serving overseas to properly access their credit report, file a fraud alert, or place a security freeze on their credit file. At least two of the credit bureaus do not provide the APO/FPO/DPO state designators in their dropdown menus for entering a current or past address ( AA, AE, or AP ). When attempting to call the customer service centers, the automated menus do not allow the caller to request a representative and the automated service menu will close out the call if the caller answers the " security '' questions but the information can not be verified. XXXX, TransUnion, and XXXX  currently demonstrate they do not care about their customers, particularly those who have chosen to volunteer to protect the United States, our freedoms, and the human rights of people all over the world. XXXX, TransUnion, and XXXX  should be extremely ashamed of the way they treat all their customers and especially their lack of effort in serving the US military community all around the world.
Product: Student loan

I receive about 4 phone calls a day regarding my student loans, and how I qualify for assistance even though the deadline has passed I could still be eligible. However, I decided not to kick-the-can down the road and I refinanced through a private lender. I tell these people that call me from XXXX that I am no longer eligible for these forgiveness programs bc I now have a private loan. They say they can not remove me from the list and call me about an hour later. OR they say they will remove me and still call me an hour later.
Product: Money transfer, virtual currency, or money service

Hello, I would like to express my concerns regarding zelles handling of disputes, specifically the recent CFPB lawsuit stating significant issues with the platform. I have used zelle numerous times and have reported fraudulent activity as zelle failed to investigate my claims correctly. They had stated that recovering lost funds was impossible and were also unable to track them. The CFPB findings indicate that zelle has neglected to protect consumers and had allowed related offenders to abuse the system. The actions that were not taken by zelle raise serious concerns about your consumer safety.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and the last four of my ssn is XXXX. My date of birth is XX/XX/XXXX This CFPB complaint has been led to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that TransUnion, XXXX and XXXX credit reporting agencies block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card and student loans. 
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 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  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

A fraud account was paid off that went into collections. The creditor is XXXX XXXX XXXX XXXX. It is a fraudulent account that was never go into collections because I mailed their item back to them Three months of the account closing the account but the item was mailed back to me without a new account agreement. It has been paid off and disputed for over Nine months. It was agreed to be removed already by the collection and credit reporting agencies but it was not still after a XXXX balance due.
Product: Checking or savings account

I opened an account that is designed to be used abroad yet when I got to XXXX, Chase bank continues to decline my purchases. I have called many times informing them that I am the one making these transactions and they are legitimate, yet they still decline my purchases. Chase bank has stranded me in XXXX with no money. I will be here for a month and I dont know what I will do.
Product: Credit card

Capital One advertised a promotional balance transfer of 9 months 0 % APR with funds to be received in up to 15 days ( which is excessive, considering its an XXXX transfer which typically take XXXX to XXXX business days to process, depending on the banks involved and the type of transfer ). After accepting this offer and seeing theyve issued me a statement with a due date to begin repayment when I have not received the funds, I began to question if there was something wrong with the transaction. I waited another week or so to see if the funds came through. They did not, so I called Capital One and realized this is a deceptive and misleading offer. They basically explained that they need XXXX business days to process an ACH transfer and this makes my 0 % for 9 months offer is actually 8 months. I asked them to cancel this balance transfer and they refused. I said I would return the funds immediately if and when I received them and I expect them to refund the {$400.00} fee because this was deceptive and misleading- not what was advertised. They said they will not waive the fee. I can understand up to XXXX business days with a mailed check ; however, I selected an ACH and up to XXXX business days is unreasonable and bizarre for an ACH - especially when changing the material terms.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked again my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

There are some fraudulent accounts on my credit, I have sent 2 disputes to XXXX, XXXX, and transunion. The main concern is the accounts on the FTC reports I sent to them. They have been on my credit for a long time and I can not seem to get rid of it, they didnt even acknowledge the accounts as fraud. They didnt block the accounts withing 4 business days of recieving the disputes. please help
Product: Student loan

This concerns a student loan which was originally issued in XX/XX/XXXX-XX/XX/XXXX to my daughter XXXX XXXX. I, XXXX XXXX, XXXX 's father, was a cosigner. the original loan was issued in the amount of {$7800.00} by XXXX. I have made monthly payments of {$71.00} since approximately XX/XX/XXXX. I trued to obtain information concerning the status of this loan from XXXX circa XX/XX/XXXX-XX/XX/XXXX, but was refused access to the information. I continued to make payments. The loan servicing was taken over by XXXX in XX/XX/XXXX ( I believe ). I have been informed that the current balance is XXXX. I have requested an accounting of the loan by phone ( on or about XX/XX/XXXX ) and XXXX has to this point not produced any documentation. I made a second request in writing on XXXX 's website. a request which XXXX acknowledged by e-mail on XX/XX/XXXX, and have still received no documentation. At this point, I fear a serious error has occurred and am uncertain how to proceed. I am in position of the Notice of Loan Guarantee and Disclosure Statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : 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 However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Product: Mortgage

XXXX XXXX- XX/XX/XXXX Mortgage payment deferred. 
Entered into ( UP ) Unemployment temporary forbearance beginning XXXX/XXXX/XXXX - XX/XX/XXXX with balloon payment due XX/XX/XXXX servicer assured me at time of entering that if unable to make balloon payment they would work with me. 
XX/XX/XXXX additional UP program approved with payments made XX/XX/XXXX and XX/XX/XXXX Again, I raised concern about ability to make balloon payment and was assured they would work it out with either loan modification or restate. 
Final UP program entered XX/XX/XXXX thru XX/XX/XXXX. Upon end of program reached out to mortgage servicer in early XXXX via Email, they were unresponsive. Contacted them via voice XX/XX/XXXX to apply for mortgage modification and applied wherein rep advised me to look into local support options. I found XXXX XXXX XXXXXXXX fund and applied. XXXX XXXX XXXX  informed me my mortgage service provider not currently participating in program and advised sending letter encouraging to join. Letter sent XX/XX/XXXX. 
XX/XX/XXXX Received letter from Mortgage servicer for modification denial offering Short Sale or Foreclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX XXXX and Transunion told them someone is fraudulently using my social and putting a bunch of inquiries on my account which I did not cause. Its also causing my credit score to go down they refused to help for whatever reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 this collection account was paid by XXXX XXXX has still been reporting as an open collection account on my Equifax report. I would like to know why this account is still reporting open when it is closed on my other two reports. Please investigate this matter I have tried several times reaching out to XXXX XXXX with no response.
Product: Debt collection

On XX/XX/2022 I called Midland credit management to pay off 3 items in my credit report totaling XXXX. The person I spoken with advised me that the items would be removed in 30 days. On XX/XX/XXXX I noticed that the items were still showing on my credit report. I called Midland credit management back and he told me that the items werent paid for and that Id have to pay them again. To let him theres no way my paying twice.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$35.00} ; XXXX XXXX XXXX XXXX Balance : {$40.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I retrieved a free credit report from my bank. It had dropped nearly 100 points from XXXX in XXXX. I read the report and it showed an inaccurate, negative report from XXXX. I called XXXX and they stated at first that they couldn't find an account in my name but finally found a " wrote off '' debt of {$55.00} from XXXX on a landline account. I haven't had a landline since XXXX. XXXX said they would transfer me to someone who could fix the problem and the call dropped. I called Equifax to dispute. Equifax also dropped the call after extensive menus and " verification '' questions. They eventually did an " investigation '' and emailed to tell me to get the results. I got the confirmation number, and have called multiple times to try to find out the results, but whenever I call they make me step through ID verifications and never give me the result. I called twice this morning and the same thing happened. They made me enter in all kinds of information about address phone number, etc and then the customer service guy said hold for a survey and they disconnected. I have spent literally hours and hours-entire days on hold and stepping through " verification '' menus and never get the results. Meanwhile, I pulled another report from XXXX and they showed a negative ( the only negative ever ) from XXXX again.I need the dispute properly resolved and I need the results of the report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX, XXXX, Experian Account # XXXX has violated my rights on XX/XX/XXXX for {$4900.00}. Experian and XXXX Account # XXXX has violated my rights on XX/XX/XXXX for {$17000.00}. 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 cant and should not furnish an account without my written instruction so therefore I need these accounts removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX, has violated my rights. 

XXXX XXXX has violated my rights. 

XX/XX/XXXX XXXX XXXX XXXX, has violated my rights. 

XX/XX/XXXX XXXX BANK XX/XX/XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX, has violated my rights. 

XXXX BANK XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX, has violated my rights. 

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. 

15 U. S. C.. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report any of the following items of information : any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U. S. C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason and will not help me recover it. I haven't gotten help from them for months, but I just remembered that I can submit a report here because I think they are not doing a good job, and because I often use PayPal, this has a big impact on me. My email link to my PayPal is XXXX XXXX
Product: Checking or savings account

On XX/XX/2019 I purchased a phone online thru my online banking with Wells Fargo. I used the XXXX function on my Wells Fargo app. I never received the phone or a refund from the company. I filed a dispute with Wells Fargo and they declined the dispute and sent me the attached letter. They told me verbally they were not responsible for it because I used XXXX and not their bill pay function. XXXX IS ON THEIR ONLINE BANKING APP! If they do not cover fraud on XXXX purchases then they should remove it from their Wells Fargo App. That is VERY misleading! There was no indication to me that if sending {$160.00} to XXXX  was fraudulent that Wells Fargo would not cover it as it would with any other transaction using their Wells Fargo App. I am requesting a full refund from Wells Fargo. I offered them my invoice from XXXX  and Emails regarding the fraudulent transaction. Wells Fargo didn't want any of it, they just declined it. 
Claim # XXXX
Product: Debt collection

VALIDATION AND CEASE AND DESIST Collection agency name : XXXX XXXX  XXXX XXXX  XXXX Address : Account number : Your NAME : XXXX XXXX Your address : Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter
Product: Credit card or prepaid card

CREDIT CARDS ENDING IN XXXX AND XXXX WERE PAID IN FULL ON XX/XX/XXXX. ON XX/XX/XXXX CAPITAL ONE CHARGED AN ADDITIONAL XXXX & XXXX IN INTEREST. CONTACT EMPLOYEE ON XX/XX/XXXX SYSTEM WAS DONE, BUT THEY STATED THERE WOULD BE NO PROBLEM REIMBURSING THE INTEREST. THEY ASKED ME TO CALL BACK LATER. CALLED ON XX/XX/XXXX AND WAS TOLD SURE, WE CAN REFUND IT. AFTER LEAVING THE PHONE FOR A FEW MINUTES SHE CAME BACK TO SAY THE COMPUTER WOULD NOT ALLOW IT SO I AM OUT OF LUCK. CONTACTED AGAIN ON XX/XX/XXXX VIA ONLINE CHAT AND WAS TOLD EVEN THOUGH I SELECTED " PAID IN FULL '' THE INTEREST WAS STILL VALID.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB complaint, once again, to dispute the fraudulent items on my credit file. I demand immediate removal of these items from my credit report. Under the Fair Credit Reporting Act ( FCRA ) Section 605b, it is the responsibility of the credit bureaus to ensure the accuracy of the information they report. These fraudulent items are clearly inaccurate and are negatively impacting my creditworthiness and by submitting this Complaint, I want you remove the disputed items off as soon as possible : 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, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all XXXX credit reporting agencies. please see below the list of accounts that are reporting derogatory on all XXXX credit reporting agencies : 1. Identity Theft FST MDWST BK Account Number : XXXX This is not mine. 

2. Identity Theft FMXXXX Account XXXX : XXXX This is not mine. 

3. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX CRED Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

7. Identity Theft XXXX  XXXX Account XXXX : XXXX This is not mine. 

8. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX BNK Account XXXX : XXXX This is not mine.
Product: Checking or savings account

I transferred XXXX on XXXX/XXXX/XX/XX/XXXX At XXXX pm to XXXX account XXXX and XXXX told Goldman Sachs USA that they did not see it, with me on the same line. They then said I didnt have it after they got caught and I said yes I did I told them my balance and he then agreed and hung up on me. They told me they sent the transfer and then stole it.