23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

My account is deficit because of account fees. The option was to close the account or set up the account to avoid these fees in the future. To keep the account, I need all the charges removed and to allow for a clean slate, but they refused to. I have called several times and even requested to speak with a supervisor who declined to speak with me on this issue, therefore, I am reaching out to consumer protection on this matter. All I am asking is a refund of {$12.00} pending charge on the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received letter stating they do not have info on me. I had my report somehow " disappear '' in 2015. I am currently unable to access my report online, or through annual credit report 's website. I am able to view via third party website ( XX/XX/XXXX ), yet this is affecting if I need access directly in order to dispute an item.
Product: Checking or savings account

I have never received my card or line if credit I have no checking it savings accts no bank ad a result if fraud and embezzlement please send me a check or card to my address I haven't received anything from you ever XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX Thank you ( XXXX ) XXXX
Product: Vehicle loan or lease

XXXX XXXX repossessed my XXXX  XXXX without warning or any attempts to resolve payment problems. The individual that took the car did so in the middle of the night, dening me any opportunity to remove personal belongings before taking the car.When I called to request my property be returned the owner said i had to pay him a fee to have my belongings brought to me and that I was not allowed on the lot to get my property.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have disputed these accounts multiple in an attempt to get them investigated or deleted . They have violated my rights numerous times. According to 15 U.S.C.1681 section 602 A states that I have a right to privacy. According to 15 U.S.C 1681 section 604, A section 2 states a consumer reporting agency can not furnish an account without my written instructions. They have not provided proof that I have provided written instruction because I have not. They also have violated 15 U.S.C 1681 section 603 ( 3 ) ( E ) which states ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer..
Product: Credit reporting 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. 

Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C 1681 section XXXX A. States I have the right to privacy. 

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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: Checking or savings account

I reported my debit card stolen after my son lost my card at XXXX XXXX in XXXX Fl. A transaction was made for XXXX at an atm in the XXXX XXXX  by someone unknown.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , 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 collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$4800.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. 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 # ( private case number ) 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

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX and 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, credit repair services, or other personal consumer reports

as of XX/XX/XXXX, I asked Experian to update the date of the status which reads XX/XX/XXXX which is impossible because if they actually followed the law and did investigate as they claim it would have said the date of status XX/XX/XXXX and it clearly doesn't but they claim its reporting accurately I have disputed this twice and they keep resaying the same thing no change the only thing they changed was payment history and that wasn't the problem
Product: Vehicle loan or lease

Purchased XXXX  vehicle XX/XX/23 with XXXX, no financing involved. Attempted to contact dealership after around XXXX  days to XXXX  about XXXX  as I had not received it, was told that they were not responsible for XXXX  and I would have to contact XXXX XXXX. XXXX  voicemails left after that with XXXX  department have not been returned. Recently reached out to XXXX and was informed that I have not received my XXXX  because there is a valid XXXX on my record through Toyota Motor Credit Corporation and XXXX XXXX will not be given to me until the XXXX is paid off or the XXXX XXXX  releases it.
Product: Mortgage

JPMorgan Chase is no longer my mortgage company, but they didnt honor their modification before they sold my loan. Therefore, I was left paying on a mortgage loan that began much higher. 

Chase didnt honor the modification contract for the 8-40 years. I never received the {$1000.00} mortgage payment that was due according to the final modification. The mortgage increased to {$1300.00}, which was outside of the contract, sparking me to request another modification, which was granted. 

I would not have requested another modification if the first one was  honored. Chase sold the loan to XXXX, which has increased my mortgage further.
Product: Credit reporting or other personal consumer reports

I just got my credit report on XX/XX/XXXX and noticed some Accounts on my credit report are incomplete and inaccurate which is a violation of 15 USC 1681 e ( b ).

They also violated 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681 i ( 5 ) ( A ) ( i ) & ( ii ). At this point I believe they are doing this on purpose. According to 15 USC e ( b ). 

Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

They must be XXXX because everything is inconsistent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a late payment with XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX  during COVID. Each institution hasnt properly handled my dispute.
Product: Credit reporting or other personal consumer reports

i am writting to formally report identity theft and request the removal of inaccurate, fraudulent inquries, negative and outdated items from my credit reports, that is result in identity theft being exposed to multiple data breaches According to my rights under the Fair Credit Reporting Act ( FCRA ) SECTION 623 ( a ) ( A ), i am entitled to dispute and correct any erroneous information that adversely affects my credit standing. the fraudulent activity has severly impacted my credit, and i seek prompt resolution to rectify this situation with the removal of the fraudulent inquires listed below : XXXX : XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX : XXXX XXXX XXXX  XXXX XXXX, XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX REMOVE THESE FRAUDULENT INQUIRES IMMEDIATELY!!!!!
Product: Credit reporting or other personal consumer reports

I am victim of online identity theft. Someone used photos of my social and ID to open accounts on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I renewed an account with this company on XX/XX/2021. Within a couple weeks after opening the account, my household had a decrease in income. Which effected my payment history. The company charges a {$26.00} late fee after the 10-day grace. When I would call to make the payments, I would tell the customer service rep at the branch that I was making the regular payment. They would ask if I wanted to pay late fees, and I stated I did not. That I would pay them at the end ( thinking it was like traditional loans and not effect me negatively unless I was over 30 days late on the regular payment amount ). I had decided within the last year or so to focus on rebuilding and re-establishing my credit by checking my reports, cleaning my profile, and paying my bills as on time as much as possible. Doing so, I noticed in XXXX that they were taking my regular payments and applying it to the late charges FIRST, then applying the REMAINING amount to the actual payment. Which allowed it to report me past due every month I didn't pay the late fee. I first contacted the branch explaining my concern and the rep was very rude and hostile over the phone, to the point I ended up hanging up. I contact the 1800 customer service number, and they explained that those were the terms. I paid the loan off as soon as I could and wrote a goodwill letter explaining I was unaware that was how they applied the payments. I received a letter back explaining that I was indeed late majority of the loan ( which was not what I was disputing ), and that they would not be able to remove late payments. They also sent me the terms, the first page of my loan docs and my payment history. In the terms, it states opposite of what I was told over the phone and in the letter. It states that past due payment amount would be paid first, then late charges and fees. I have had an account with this company since I was 18, over 10 years. Only because I didn't know much about credit or that it was a predatory lending company, and had other family members that used them. As I look over my report, I see they have always done me this way. Took the late payment first and reported me 30, 60, 90+ days past due until late fees were paid.
Product: Vehicle loan or lease

The car was in the hand of my ex husband possession and he was the responsible to make payments and kept the car after we separated, I didnt know he was late until the bank started calling me and trying to collect the money from me, I explain the bank I didnt have the car and I knew my name was in the loan but it wasnt fair for me to pay something that I dont have and I wasnt driving. So the bank repo the car from my ex house, so I paid all the repo fees and the late payments he didnt paid. I will take over this account and Ill be the responsible to the loan from now on because I have the car under my possession. If do you need probe all the fees I paid Im willing to forward that to you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus for a accurate credit report and I did a thorough investigation myself and I still had false. dates, addresses and personal information about myself. I would like for these items to be removed due to my unauthorized decisions. 

XXXX XXXX XXXX Unverified Account XXXX XXXX  XXXX Unverified Account XXXX XXXX  XXXX XXXX Account AMERICAN HONDA XXXX Unverified Account XXXX XXXX XXXXXXXX Unverified Account XXXX XXXX XXXX INQUIRY Unverified Account XXXX XXXX Unverified Account XXXX XXXX/HONDA OF XXXX XXXX Unverified Account XXXX XXXX Unverified Account
Product: Credit reporting, credit repair services, or other personal consumer reports

Identity stolen and used without my permission. Stranger used my information to try and open a number of credit cards in my name and while most were denied I know have many hard inquiries on my credit score because of it.
Product: Payday loan, title loan, or personal loan

RE : LendingClub XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, California XXXX Good day Sir/Madame, Principally, I hold that this 'loan ' was distributed in an illegal manner. 

On XX/XX/XXXX, I was 'given ' a 'loan ' amount from the aforementioned entity. I have met all re-payment stipulations up until XX/XX/XXXX. I was 'given ' this 'loan ' amount under bizarre circumstances. Whilst I had gone through the majority of the prescribed qualification process, I had not completed it, yet this loan amount appeared in my bank account whilst I was overseas, attending to family matters. 

As mentioned earlier, I have up until now met a re-payment criteria instituted by the LendingClub. However, at this time, I have been only fully able to distill the entire circumstances of this 'loan ' ; I have been absolutely engaged with bereavements of a sibling and parent over the past few years amongst other issues. Whilst I fully intend to honor any fair and reasonable obligation, I propose that this 'loan ' fails to meet that criteria, as i did not fully complete the approval process, yet was debited with a 'loan ' amount. 

Upon reflection, I have come to the conclusion that this 'loan ' has predatory characteristics. It has an extremely voracious interest rate. The ratio of payment applied to interest over principle is egregious. Also, as an XXXX-American, I statistically and historically, belong to that group whereby these type of predatory instruments have been targeted. I would like to have the 'lending ' process for this 'loan ' meticulously reviewed in detail. I am willing to meet a fair and reasonable obligation. LendingClub  has been made aware of my position via telephone conversation. They have presented an unwilling interaction insofar as discussing the matter. 


I would be most grateful for any advice or assistance that you can provide for this complaint. 


Thank you.
Product: Debt collection

This at & t account is very very old. Tried to apply for TV and phones. Was denied. I didnt even know about this collection.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns reguarding Zelles handling of disputes, particularly in light of recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle multiple times and reporting discrepancies, my financial institution and Zelle failed to investigate my claim adequately. They informed me that recovering lost funds was impossible and tracking these transactions was unfeasible although I had proof. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but also has allowed repeated offenders to exploit their system, leaving its users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

I am a natural person I am a living human being, I have rights under 15 USC 1681 Equifax is govern by 15 USC 1681 and they violated my rights numerous of times. I demand the account listed below me be removed ( XXXX XXXX date opened XX/XX/2018 ) because According to 15 USC 1681 : I have the right to Privacy and I did not give Equifax written permission to furnish these accounts. 
noticed an account on my equifax and XXXX report from XXXX XXXX that I never opened. My wallet was stolen back in XX/XX/ and I see the account was opened XX/XX/ so Im guessing thats when someone got my information. Or when equifax had their data breached. I had this account already removed from XXXX, I have it under dispute with XXXX already and I disputed this with equifax in XXXX and its still on.
Product: Credit reporting or other personal consumer reports

I am writing to request an investigation following information on my Equifax/XXXX credut report. 

XXXX XXXX XXXX Balance {$130.00} Balance updated XX/XX/2024 XXXX I paid the account in full, and it should no longer appear on my credit report. I am the victim of identity theft, and I did not open this account. The creditor misreported my account, and all my payments are current and were paid in full. I moved out of this apartment over a year now. 

Please let me know if any additional information is necessary to remove this from my credit reports. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the XXXX  Bureaus after I purchased a credit report with XXXX  on XX/XX/XXXX. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were Inaccurate reports on my credit report which are misleading to me. I sent a letter to the XXXX credit bureaus on XX/XX/XXXX. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # and hoping that this XXXX XXXX Late payment XX/XX/XXXX XXXX days late will be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXXXXXX XXXX XXXX Balance : XXXX XXXXXXXX XXXXXXXX XXXX XXXX Balance : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do a verification of everything on my credit report and they did and stated everything was accurate and VERIFIED. I did research myself and found improper Inaccuracies to my credit report even after they did a research on my credit report. 

Name of Account - XXXX # XXXX Name of Account - XXXX XXXX XXXX # XXXX Name of Account - XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act XXXXXXXX account # XXXX has Violated My Rights. 

In accordance with the Fair Credit Reporting Act XXXX account # # XXXX has Violated My Rights In accordance with the Fair Credit Reporting Act XXXX account # XXXX has Violated My Rights. 

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

15 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Mortgage

I sent in a payment for XXXX 2016 monthly mortgage, ( principle and interest ) check # XXXX for the amount of XXXX and an escrow payment check # XXXX for the amount of XXXX, XXXX of which were cashed by Wells Fargo on XXXX the XXXX XXXX. My monthly mortgage amount is XXXX which matches the amount of the Mortgage Check, however WF did not apply my mortgage according to the monthly statements dated XXXX XXXX, XXXX XXXX, ( please review attachments ) but sent it to an undisclosed application. Also the amounts of what they move to this unapplied funds changed within each statement with no clear total of how much is in the manufactured " unapplied funds accounts '' Wells did apply the escrow check to the escrow account. In addition to these XXXX XXXX payments, I made an additional XXXX ACH payment to Wells also on XXXX XXXX XXXX, this is because they also withheld the previous month 's payment and demanded more money. 
I have yet to receive a year end statement for year ending XXXX as required under law. The closest I got to it was some worksheets that Wells used to correct the previous miss applied funds in XXXX XXXX. In addition, Wells keeps referring to " my contract agreement ''. My Loan is a VA loan and the terms of that loan were determined by the XXXX. I have complied with those terms fully and have never missed a payment. I have satisfied both the monthly mortgage account and my escrow account, since the inception of this VA loan in XXXX. However Wells has pirated my accounts ( both mortgage and escrow ), and have not followed policy and is some cases law, ( i.e. they gave me XXXX escrow analysis in XXXX 3 months apart and they also misapplied funds in XXXX XXXX and then in XXXX issued statements where there were shown to take money from my principle and apply it to interest ) and consistently move my payments around to meet the funds they wish to raise manufacturing what they describe in threatening letters to me as delinquent and pre-foreclosure, none of which is accurate. To reiterate, since XXXX I have never missed a VA mortgage payment, or insurance/tax payment ( escrow ) and have fully complied with the terms if my VA loan agreement, whose customer I am. My association with Wells Fargo is that they bought the loan from the VA, but I never went to WF as a customer, and would not have. This means that we are associated because they brought the loan, hence we are associates, and I am not their customer and do n't purchase Wells Fargo 's products, just for the record, other than this VA loan we have no other relationship.