23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have been a customer of LoanDepot for a year and havebeen making timely payments on the same date everymonth through my online banking. Although submittingpayments on time in the past three months and the moneygone out of my account, I was told by LoanDepot that mypayments were not being received. No troubleshooting orassistance was offered as to root cause of the issue and Iwas afraid of fraud, otherwise I could not explain why themoney was gone out of my account but not received. 
LoanDepot advised me to call my bank and the bank saidLoanDepot is not cashing the payments. I called LoanDepotand my bank a couple of times and no one was able to help. 
Finally I called the LoanDepot XXXX number listed in myonline banking. They said they are the XXXX XXXX officeand because I am on the East Coast I should call a differentXXXXXXXX number. I then noticed the PO BOX on mymonthly bills was no longer a XXXX XXXX address as I havebeen making payments to for the past 8-9 monthsbut a New Jersey address. The last transaction went through XX/XX/XXXX but the XX/XX/XXXX payment did not. I did not receiveany notification from LoanDepot that due to the PO BOXchange my payments will not go through as of XX/XX/XXXX. 
Why could n't they clarify this for me the first time I calledand let them know the money is gone out of my account? 
As a result my credit was affected and even though my bankprovided the Good Faith evidence of timely paymentsLoanDepot is not willing to rectify my credit reports. I showone late mortgage payment through no fault of my own. Mycredit dropped significantly. I need assistance working withthe lender to correct this error with the credit bureaus. 
I made all payments on time with proof from the bank and itis only right that my credit reflects that. Thank you.
Product: Credit reporting or other personal consumer reports

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I sent letters several months ago to XXXX, XXXX and Transunion about inquiries I never ever sign for that's on my credit report. There has not been no response. I was told by an attorney the credit bureaus is not out to help you they are there to make money and make sure your score stays low. I am not sure how true that statement is but I have not received a response and the inquiries are still on my report. 

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX. Georgia XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XXXX and XXXX XXXX, XXXX XXXX. XXXX Bank XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX NA XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a response from Experian ( XX/XX/XXXX2020 ) where they say they updated the account information for XXXX XXXX XXXX  but ( XX/XX/XXXX ) XXXX  had already told me in writing they no " longer services the above-referenced returned account ''. 15 days before Experian stated they updated their reporting. Then again on XX/XX/XXXX XXXX said in a letter " they have been unable to locate an account ... '' How could Experian have received updated information from a company that no longer had the account? This has to be a violation and while I'm seriously considering sending this to a consumer attorney I want this removed! This is hindering my ability to obtain credit. And XXXX  is no better! When I asked for their method of verification the response was to contact the company providing the information. And the crazy thing is this account has a {$0.00} balance so what are they updating?
Product: Debt collection

On XX/XX/2021, a payment ( of {$560.00} ) was made to settle and close my account with XXXX XXXX XXXX ( account number XXXX. ) But also to remove the derogatory account from my credit report. Since then I haven't been able to contact credence resource management to have this removed from my report as agreed nor have they responded to any of my request for account verification along with updated payments/ amounts. 
The payment was processed and received and the confirmation number is : XXXX. In which I have the actual confirmation email from XXXX XXXX XXXX that I can provide upon request.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles 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 istitution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and tracking these transactions was infeasible. The CFPBs 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: Credit card or prepaid card

On XX/XX/XXXX I received a statement from Truist Bank for a credit card with a credit limit of {$7500.00} that I never opened or activated. On XX/XX/XXXX, there was a transfer balance of {$7000.00} plus a {$210.00} fee charged making the total amount due. On XX/XX/XXXX, I spoke with a representative from the Truist fraud department and filed a Dispute Claim as well being given a Case ID # for Identity Theft. On XX/XX/XXXX, I also filed a Police Report with my local Police Department.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently conducted a review of my credit report, and I noticed that your agency showed XXXX XXXX ( XXXX ), credit hard inquiries without my knowledge. The unknown and unauthorize hard inquiries in question was apparently made by XXXX on XX/XX/2018 .I have not informed or recalled of any association with these company. I have contacted XXXX XXXX requested them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and proceed necessary steps to resolve the issue. I wanted to contact all the credit agency as well, just to make sure the issue would be resolved immediately.
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 3 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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$700.00} XXXX XXXX XXXX Balance : {$1200.00}
Product: Debt collection

Company calls 3 or 4 times daily, significantly exceeding their 7 allotted calls in a seven-day period. This is considered harassment and violates the FTC regulations. Their number : XXXX
Product: Debt collection

I have a car loan with Flagship Credit, If I am one day late on my payment, I start receiving phone calls. I admit, I am behind but I have been diligently trying to get current ( ex - I made a 1 1/2 month payment 4 days ago ). However, since at least XX/XX/2020 - ( I have phone records from this date on ) I have received a MINIMUM of 1 call per day from this company. Some days I receive 2 or 3 on my personal phone. I also receive emails. They also call me at work ( even though I am not allowed to receive calls at work ), they call my family members and friends. The FDCPA clearly states " causing a phone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number '' is not allowed. I feel like I am harassed every single day. My family members are being harassed, not as frequently as I am, but they receive several calls as well.
Product: Vehicle loan or lease

My car was wreaked in XX/XX/2023 and I had lease agreement with Nissan Motor Acceptance. Per there lease agreement section XXXX I am entitled to a pro-rated amount of my cash reduction money that I put down on the car at purchase. That amount was {$4000.00} of a 18 month lease. The month I had the wreak I had paid 7 months in and had 11 months remaining on my lease. When the car was wreaked it had a payoff value of {$39000.00}. In the State of Georgia Insurance carrier have to pay you the value of the replacement of the car, which was {$43000.00}. Per Nissan lease agreement in section XXXX it states that I will receive a pro-rate term of my capital reduction that I put down on the car. I have in length talked to many people at Nissan that have said I am entitled to a refunded until the other day when I spoked to manager which stated that I would not not receive any refund because the system showed no refunded. The company received an amount exceeded the obligation that was owed and per there lease in entitled a refund {$2400.00}. Essentially Nissan in a way is committing fraud because use cars are selling at a higher value than new cars so it easier to totally cars out and receive a profit on the cars they are leasing when involved in auto accident. The total purchase of the car was {$43000.00} and they received a check for {$43000.00} for my carrier and Im left with losing {$4000.00} on this purchase and another {$4000.00} on the next car I had to purchase out of pocket. The consumer was taken for {$8000.00} dollars of his own money.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX2018 I have spoken to all three credit bureaus and was a recent victim of identity theft and have yet to have any communication with them on removing the inquiries this affect have caused me to be denied credit line increases and more Also credit bureaus have failed to update proper information on a vehicle that was paid off still reflects as if I owe on the car still
Product: Debt collection

IC System reporting debt to credit agency that doesn't belong to me I have asked for documents with my signature never received anything. Both account for XXXX and XXXX has the same account number different amounts. Have disputed this company with credit bureau the updated credit profile in 24hrs with not any proof or providing me with any new information. XXXX is one account XXXX is one account and XXXX is one account
Product: Credit reporting or other personal consumer reports

Subject : Request to Cease Contact Regarding Alleged Debt Dear Sir/Madam, I hope this letter finds you well. I am writing to address an ongoing issue that I have been experiencing concerning the receipt of letters from your office regarding an alleged debt. I would like to inform you that I have never entered into any contractual agreement with your company, and therefore, I do not owe you any debt. Item is also listed twice on my credit report. 

As a third-party debt collector, it is essential that you understand that I have thoroughly reviewed my financial records and have found no evidence of any outstanding debt owed to your company. I kindly request that you stop calling and mailing me regarding this matter immediately. 

I have taken the time to educate myself about consumer laws and my rights in such situations. According to the Fair Debt Collection Practices Act ( FDCPA ), in order for any alleged debt to be considered valid, there must be a valid signed contract between the debtor and the collector. As I have not signed any contract with your company, it is crystal clear that I do not owe you any debt. 

I kindly request that you respect my rights as a consumer and cease all communication with me in relation to this alleged debt. Additionally, I would appreciate it if you could remove any negative information related to this debt from my credit report, as it is incorrect and misleading. 

Please understand that any further attempts to contact me or any failure to comply with my request will be considered a violation of the FDCPA, and I will not hesitate to take appropriate legal action to protect my rights. 

Thank you for your immediate attention to this matter. I expect to receive written confirmation from your office within 30 days acknowledging that my request has been honored and that all contact regarding this alleged debt will cease. 

Yours sincerely,
Product: Credit card

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. AMERICAN EXPRESS XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX HAS FAILED TO TAKE OFF ACCOUNT ON MY CONSUMER REPORT. THE ACCOUNT NUMBER IS XXXX ON MY EXPERIAN REPORT, XXXX, XXXX. HOWEVER XXXXXXXX XXXX HAS SENT AN EMAIL STATING THIS IS NOT SUPPOSE TO REPORT TO MY CREDIT FILE AND WILL SEND PROOF OF EMAIL FROM THEM
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX : XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XXXX : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX with Social Security XXXX XXXX , a resident of XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX submit this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : XXXX Applicant Identification : Full Name : XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX 2.- Security Freeze Request : a. I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
b. This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
XXXX Attached Documentation : I have attached the following documents to verify my identity and process my request : c. A copy of my drivers license or government-issued ID. 
d. A copy of a recent utility bill or bank statement confirming my current address. 
e. A copy of my Social Security Number.

4.- Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information. 
XXXX Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit card

XXXX XXXX XXXXXXXX Missing deposits Charges while card is locked
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 ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not permissible to fail to validate this reporting accounts 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 correct : XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX, MD XXXXXXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXXXXXX XXXX XXXX Date opened XX/XX/2022 Balance : {$320.00}
Product: Credit card

THANK YOU FOR ALL THE HELP PROVIDE I made a despute with my XXXX XXXX and Chase Bank denied refund. 

XXXX  and I are on good grounds in as much as I had the XXXX  during that period. THANK YOU FOR ALL THE HELP YOU PROVIDE. 


XXXX XXXX XXXX XXXX phone XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX @ XXXX XXXXXXXX -- Agent XXXXXXXX XXXX XXXX XXXX XXXX XXXX  WWW.CHASEBANK.COM BANK SAID Your XXXX  order would be cancelled. 
DATE XXXX XX/XX/2023 I ASKED CHASE BANk HOW MUCh WAS NEEDED TO PREVENT THE CANCELLATION. 

THEIR STATMENT WAS XXXX XXXXXXXX HAD MONEY IN THE BANK FOR {$330.00}. This amount was enough to cover the items due to be cancelled. {$330.00} was enough to pay all items. I PUT THE MONEY IN THE CHASE BANK IT ARRIVED XX/XX/XXXX AT XXXX XXXX  AND THIS WAS MADE 4 DAYS PRIOR To XX/XX/XXXX. 

This gave them- 4 banking days- to use the money and close the account. the CHASE BANK required 3 to 2 days to complete this action. 
CHASE BANK -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Account ending in : XXXX THIS IS THESE STATEMENT FROM CHASE BANK FOR THE Payment amount : {$330.00} MONEY THAT I PUT TO THE ACCOUNT. THE ITEM THAT Effective date : XX/XX/2023 THAT XXXX IS THE XX/XX/XXXX AT XXXXXXXX XXXX Payment authorized on : XX/XX/2023 -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- THERE IS -- 4 -- FULL DAYS BEFORE THE DATE OF CANCELLATION. 
THEY DID NOT PAY ANY OF THE CANCELLED ITEMS PRIOR TO XXXX XXXX and THE CANCELLATION WENT AHEAD. 
CHASE TOOK THE MONEY. THEIR STATMENT ON XXXX XX/XX/XXXX of {$330.00} CHASE GOT THE MONEY, AND SENT ME AN EMAIL DATED XX/XX/XXXX, SHOWING THE MONEY IN THEIR ACCT. AND REFUND RETURNS, AND I GET NOTHING AND XXXX  KEEPS THE produts THAT WERE ON SALE. I got nothing. 

-- -- -- -- -- -- -- -- XX/XX/XXXX Order : # XXXX # XXXX NOTE THE SAME ITEM ONLY ONE ORDERED XX/XX/XXXX ORDER # XXXX THIS OCCURED ON XXXX XXXX XXXX and were marked # XXXX with the same number and is very wrong. 
-- -- -- -- -- -- -- -- - XX/XX/XXXX SEE ABOVE THE CANCELLATION WAS XXXX XXXX marked the same. 

I cancelled the Chase Bank card and directly located my Acount with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and transunion and XXXX  keep putting late payments on my credit one account even after I have provided documention that I was never late I disputed these late payments over a numerous of times they will fix it then turn around and put it back on there
Product: Payday loan, title loan, or personal loan

In according with the Fair Credit Reporting Act, SOUTHEAST TOYOTA FINANCE for ACCOUNT NUMBER : 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.
Product: Checking or savings account

On   XXXX    XXXX  2017, I had   XXXX   pending transactions. The second transaction would cause my account to be overdrawn by {$0.00}. I had previously been told that when pending transaction will cause the account to overdraw, a deposit needs made by  XXXX . I made a cash deposit before the cut off time on  XX/XX/XXXX . This gave me an end of day balance of {$0.00}. However, on  XX/XX/XXXX , I was still assessed a {$39.00} fee. Yes, I was charged {$39.00} for a   XXXX   XXXX   overdraw. The supervisor  XXXX  - made an exception to the policy and provided me with a {$39.00} credit today. The issue was caused by Key Bank 's posting order. Because the transaction had been made in a prior business day than the deposit, the transactions posted first - even though they had not posted at the time of the cash deposit. The supervisor confirmed, had the deposit been made a day prior, or the transactions posted a day later, the deposit would have prevented a fee. However, because the transactions and the deposit posted on the same day - a fee was assessed.
I had a similar issue in  XXXX . On  XX/XX/XXXX , I had a transaction overdraw my account by {$0.00}. I had   XXXX    additional pending transactions that would have overdrawn my account by a total of {$16.00}. On XX/XX/XXXX , the pending transactions had not yet posted and I had not received a fee. Before the required cut off time, I made a cash deposit of {$20.00}. This gave me a positive balance of {$3.00}. However, at end of day on XX/XX/XXXX , I was charged a fee for the prior, posted transaction of {$39.00}. This caused my {$20.00} deposit to not be enough and then I was charged  XXXX  additional fees of {$39.00} ( for a {$10.00} transaction and a {$5.00} transaction. ) Three days later on  XX/XX/XXXX , I was charged a " Recurring Overdraft Service Charge '' of {$28.00}. So, essentially, for overdrawing my account {$0.00} and due to Key Bank 's posting order, I received a total of {$140.00} in fees. I made a deposit to cover the two pending transactions. When I viewed my account, there was not a fee yet. At the time of my deposit, I was provided with a balance of {$3.00} ( POSITIVE ). Yet, due the posting order ... The fee posted first, making my deposit insufficient for the other  XXXX  transactions and causing additional fees.
I understand that I may not be the best customer. I understand why overdraft fees are in place. And when the fees are fair and the posting order not deceptive, I pay them. As much as I try to avoid them, sometimes life gets in the way. I 've definitely paid more fees than I 've had waived. However, I think we can all agree that a {$39.00} fee for a {$0.00} overdraw is unfair. The punishment does not fit the " crime. '' I think we all agree that {$140.00} for a {$0.00} error is unfair. The punishment does not fit the " crime. '' The posting order that key bank uses, in my opinion, is designed to cause more fees to customers. This, in my opinion, is an unfair practice.