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

I recently review a copy of my credit report and noticed a fraudulent account on my report, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this fraudulent account is not mine and need to be remove from my credit immediately it's hurting my credit and my personal finance. 

Please remove this account from my report because its hurting my credit. 
THANK YOU.
Product: Debt collection

I applied for a mortgage at the beginning of this year with  XXXX   XXXX . I had an issue with my credit report that I was unaware of. I apparently had  XXXX  outstanding  XXXX  accounts amounting to {$740.00} that I do not owe. I 've never had a landline or cell phone with  XXXX .   XXXX  On my credit report, it states  XXXX  account was opened on   XX/XX/XXXX   for a  XXXX   XXXX  for {$590.00}. Then,  XXXX  {$150.00} opened o n  XX/XX/XXXX .    XXXX  When I called  XXXX , they gave me an account number associated with the account :  XXXX . But they told me they could not help me resolve this issue since the account had been sold to a third party collection agency.    XXXX   I started seeing a financial  counselor  to help me with this issue.
Product: Credit card

These people have opened checking account, debit account, savings account, and credit card under my name. Also they did a balance to my account that had a XXXX balance. All through Citibank. I only have 2 credit cards from Citibank. I have not charged anything since XX/XX/year> on Citibank. 

Someone opened a credit card on XXXX XXXX with this telephone XXXX and try to charge {$2000.00}.
Product: Mortgage

I received my home mortgage with Wells Fargo on XX/XX/2012. When I first applied for my mortgage with Wells Fargo bank I was told if I put down 20 % of the value of the home I would NOT have to pay the loan insurance fee every month. I put down the 20 % towards the value of my home and I got my loan. Later on I saw that the bank included a loan insurance fee in my monthly payments. I questioned it and I was told to ask later on and will come of eventually. When it did n't come of I was told by Wells Fargo that it will take 5 years to come of. I think Wells Fargo should fix this issue as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that as of XX/XX/2022 as listed on my most recently reviewed consumer report, there are unverified accounts and inquires are listed. Please see the below accounts and inquires in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute will all three bureaus, highlighting many inaccuracies on my credit report. XXXX and Experian have not verified ( or removed ) information pertaining to my claims. It has been over 60 days since my dispute was received and no one has corrected this error. My identity was compromised earlier this year, which is why the disputes were sent. I submitted an FTC report with police report via US mail to all 3 bureaus and they have failed to comply. This situation has been a hindrance to my credit growth. Please help me.
Product: Credit card

There were XXXX fraudulent activities on XX/XX/XXXX with XXXX XXXX XXXX XXXX WA XXXX Both were with this merchant, one has the amount of {$96.00} and the other one has the amount of {$180.00}. 

Bank of America received my dispute on XX/XX/XXXX and decided that the transactions were conducted by me because : We confirmed your card was used for the charge ( XXXX ). The chip was read, your PIN was entered, and/or you signed for the merchandise or service, which indicates you or someone you allowed to use your card was present. 

The transactions were on a credit card, and I don't think pin was required or signature was required. 

Also I was not in XXXX on that date. I did not authorize any transaction on that card. 

I am very disappointed at the decision by the company. They just decided based on the chip activity which could be due to someone cloning the card. It is very difficult to reopen the claim and submit more information too.
Product: Debt collection

XXXX XXXX ( XXXX ) of " Alliance Group Collections '' has called and threatened multiple of my family members in regard to a debt that has gone from {$200.00} initially ( the card limit ) to over {$600.00}. The company refuses to let me talk to XXXX XXXX XXXX  boss about his XXXX of a XXXX XXXX  XXXX girl ( my sister ) in which he threatened imprisonment.
Product: Credit reporting, credit repair services, or other personal consumer reports

A company called Sequium had sent a collection agency notice to XXXX XXXX downgraded my score by many points 17 ( points pus ) There was an option where I could dispute the collection notice. 
Before I opted to dispute the credit reporting. I researched the source of the filing It appears that the original creditor was XXXX XXXX XXXX on an account that was opened in XX/XX/2020 for apparent cable connections o A balance of over {$300.00} was due I called Sequium and they had no reference on my name tied to any account I called XXXX XXXX  and they had no reference on my name tied to any account I opted to file the dispute because I have no cable service. Opened an account with XXXX for the filing of the dispute On XX/XX/2020, I receive an e-mail by XXXX  stating that the re-investigation was completed, and that there were no changes to the purported facts. I was never called, mailed, or e-mailed to corroborate any facts. 

On XX/XX/2020, I called Sequium 3 times. 
o The first time ( a XXXX XXXX ) advised me ( after not being able to find my physical address ) that they were removing my phone number from collection calls because I did not owe them anything. 
FYI - I was never getting collection calls o The 2nd time after the phone call was failed I am again told that there my name is not tied to anything with XXXX or Sequium o The 3rd time I speak to a XXXX XXXX who told me to call back on Monday After the Sequium call, I call XXXX XXXX ( after researching that they are the XXXX division behind the original debt. 
o XXXX XXXX was very friendly and courteous to the extent they could be. 
o XXXX told me that they could not find any link to my name with my address ( or known addresses )
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. XXXX ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ). 
Today on XX/XX/XXXX, I contacted Transunion via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. Transunion is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now : On XXXX, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a late payment noted by Prosper on my credit report on XX/XX/2014. I have contacted the company numerous times to obtain proof that the payment was late as my payment records show on-time payments each month. The company has yet to be able to confirm that the payment was indeed late, and when challenged through a dispute process, they continually confirm that it was late.
Product: Vehicle loan or lease

I have had my fill of this predatory XXXX company. I had an issue with my bank and reached out to these low life XXXX who have no capacity for compassion and rather than do what I was asking them to do and allow me to make a double payment on my next payment date, they basically said XXXX you its all about our selfish good for nothing bottom line. They have basically forced me to XXXX my savings account to satisfy their insatiable greed
Product: Credit reporting or other personal consumer reports

I purchased a pair of sneakers online for my son using Affirm. The item was not lost and XXXX reimbursed the company of the purchase. I advised to affirm that the item was never received and XXXX was investigating the loss. The told me that they will investigate the claim and will get back to me. For over a month i kept calling them and everything i called me they will give me the run around. I obtained a copy of the reimbursement from XXXX to which i emailed to them they kept charging me. They report my account to the Credit bureau that has affected my credit score tremendously and would like for them to reverse the course. First i never received the item and second i forwarded documents from XXXX that the company has been reimbursed and Affirm has not taken any action to force them to reimburse them.I would like for them to reverse this action. I have made several purchases with Affirm and has never been deliquent with my purchases.
Product: Debt collection

On XXXX XXXX, 2015 I had a XXXX ordered by my Doctor. Medicare refused to cover the cost. So, XXXX turned the bill over to a debt collector. I appealled the Medicare decision and they reversed their earlier decision and paid XXXX. Meanwhile I keep getting dunned by the debt collector since it appears they do not know that Medicare paid the bill and they ignore my communications.
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice of pending litigation seeking relief and monetary damages under FCRA Section 616 & Section 617 please accept this final written offer of settlement before litigation as my attempt to amicably resolve your continued violation of the Fair credit reporting Act regarding your refusal to delete unverified information from my consumer file.I intended to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under section 616 and section 617 if the unverified items listed below are not deleted immediately.a copy of this letter as well as copies of the three written letter sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.
Product: Debt collection

Account number:XXXX XXXX XXXX XXXX XXXX 15 u.s.c section 1681 section 602 a state I have right privacy 15 u.s.c section 1681 section 604 a section can not finish account without my signature
Product: Credit reporting or other personal consumer reports

XXXX XXXX Account number XXXXXXX Account type XXXX XXXX Individual Date opened XX/XX/XXXX Status Open. {$32.00} past due as of XXXX XXXX. 
Status updated XXXX XXXX Balance {$120.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment {$32.00} Original balance {$170.00} Highest balance - Terms 6 Months Account name XXXX XXXX Account number XXXX Account type XXXX XXXX Individual Date opened XX/XX/XXXX Status Open. {$37.00} past due as of XXXX XXXX. 
Status updated XXXX XXXX Balance {$140.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment {$37.00} Original balance {$200.00} Highest balance - Terms 6  Months
Product: Credit reporting or other personal consumer reports

Accordance to 15 USC 1681a ( 2 ) I didnt give written permission to have this account or fraudulent inquiries to be reporting on my XXXX XXXX TRANSUNION CONSUMER REPORTS.
Product: Vehicle loan or lease

In XXXX of XXXX I obtained a loan from TD Auto Finance ( account number XXXX ). When I received my first billing statement I noted that my last name was misspelled on the satetement. I reached out to TD Auto Finance right away and requested a change. They responded asking for a copy of my DL which I provided. The name was not corrected. 

In XXXX of XXXX, I paid off a loan and received the title to the car. The last name and address were incorrect on the title. I reached to TD Auto Finance 3 times until they finally responded a couple of weeks later telling me to go to DVM to correct the issue. 

Given that this is a problem with TD Auto Finance and how they keep their records, I would like the to fix the title and re-issue a new one.
Product: Credit reporting or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act, these accounts have violated my rights. 


Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$360.00} 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 can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Shellpoint Mortgage - XXXX - Is reporting inaccurate information on my credit report. they are reporting a 30 day late XX/XX/2020 and I have never been late on any account ever in my life. I actually had set up auto draft with Shellpoint, as I have many accounts with them. I set up the auto draft and payments with a representative who actually made a mistake & put the payment toward one of my other accounts in error. I have never been late & I have & have had multiple accounts with you guys for as long as I can remember. I am a long time customer and this was not my fault. 
I would like this late removed due to their error.
Product: Credit card or prepaid card

Please access my attached statements for account number XXXX. On XX/XX/2021, I bought a product for {$490.00}. The product was electronic and did not work : it did not take a charge. 
I returned the product via U.S. Mail in a timely manner with tracking number XXXX. 
I was charged interest for the period I had the faulty product. I didnt think I should be charged interest for a product that never worked. I called Nordstrom Card Services, I was told that the bill would be adjusted. I then proceeded to get late charges. Throughout the summer. I called the credit department again and was told that the charges would be removed In my final conversation with Nordstroms credit in XXXX, I paid the balance, not in agreement with the charges, but to irradicate the negative reports to my credit report. 
I have always paid the balance of the credit card whenever there was a balance. 
In light of the circumstances, and my payment history to Nordstroms Credit, I am asking that the derogatory reports to the credit report be reversed and removed by you. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

I applied for credit and was denied because of non autorized accounts and address 's were assembled /placed on my consumer report which are fraudulent, So I sent a letter to all three CRA 's registered mail in good faith explaining what happened and to delete mentiond accounts/address within the letter/complaint I sent.
Product: Bank account or service

When I reviewed my bank of America SAVINGS account today I noticed that the bank has been charging me Monthly Maintenance Fees for 6 months now. I now realize they have a rule where a fee will be charged If I do not have at least one qualifying direct deposit of {$250.00} or more OR I do not Maintain a minimum daily balance of {$1500.00} or more. BUT the FACT is I have XXXX accounts with them. A core checking,, a joint checking, savings AND a business checkings account where I have direct deposit of {$3900.00} or more every week. Inspite of giving the bank business, it is incorrectly charging me so much in fees which I believe in wrong and it is directly deducting the fees out of my savings account without my permission or knowledge. IF i dont audit my account balances I will not even realise. This is cheating. If they want to charge me fees, they should warn me through email or calling me and offering me to a solution to avoid fees including closing some accounts! I want all my money that I was charged in fees back even if it means closing some or all of the accounts. My wife also has XXXX accounts with bank of america and I will consider closing all of our accounts if you continue to charge me frivolous fees and dont refund my fees. I am giving you business but you are ripping away my money!!! what a scam. Call me on my phone if you ever want to talk dont stealthily keep charging me fees and take away my hard earned money. 

STOP STEALTHILY STEALING MY MONEY BANK OF AMERICA!!! I DO NOT EARN AND DEPOSIT MONEY IN THE BANK SO YOU CAN DEDUCT FEES EVERY MONTH. I WILL CONTACT THE ATTORNEY GENERAL OF MASSACHUSETTS AND SENATOR XXXX OFFICE DIRECTLY IF YOU EVER STEAL MY MONEY THROUGH FEES. CALL ME BEFORE YOU WANT TO CHARGE ME FEES.
Product: Money transfer, virtual currency, or money service

Its XXXX XXXX XXXX and i send money on XXXX and i send money from USA to XXXX. Combany Address is ( Continental Exchange Solutions , Inc. XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX XXXX Fax : XXXX XXXX XXXXXXXX Website ( XXXX XXXX XXXX ) Transaction details Client Number : XXXX Contract Number : XXXX Contract Date : XXXX Total amount - XXXX USD After 19 days they i didnt receive my money and i try to contact them but they are closed on this weekend. And today when i as them they told me my money is not processes from their bank and they will refund in 5 bussiness day and they not sure about its. Its already 19 days they took money from my account and i have to pay hospital bills to my parents and also i need to pay apremium and its due date is today. For this company i lost more than XXXX  USD as a fine in XXXX. This combany dont care about it. They did bussiness with my money and they saying they will return but they not sure when. they took my money almost one month and also they still not refunded. Please take serious action and they need to pay extra that i lost because of them.
Product: Mortgage

Loan application filed in XXXX. In XXXX appraisal schedule and all required document uploaded after appraisal by customer. Penfed closed the file of loan and by themselves in XXXX without notified customer and and in XXXX now refusing to refinance with the same rates which was locked and asking to refinance at higher rates.
Product: Credit card or prepaid card

I called to discover and told them someone stole my identity and open a fraudulent account in my name. I have sent them supporting documents and they did not take this situation seriously, This fraud account has hurt my family financially, and caused distress. I have a XXXX and a wife and we tried closing on our home but discovered a fraud account in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the new law effective XXXX XXXX, 2017 any public record must include name and address as well as social security number or date of birth in order for it to appear in your credit file. The credit Bureau has not updated the information and per the new law true bankruptcy listed does not include this information and should be deleted from my credit report. I disputed this item with XXXX, Transunion, and XXXX and it remains on my credit file.
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 recent CFPB lawsuits highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution ( XXXX  ) and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle 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 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. 

Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX  XXXX # XXXX, Account name : XXXX  XXXX # XXXX, Account name : XXXX  XXXX # XXXX, Account name : XXXX XXXX XXXX  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 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.