23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have been called by Portfolio Recovery Associates for over a year. They almost always call prior to XXXX after REPEATED times telling them to not call me before XXXX XXXX and that it is an inconvenient time. I have received calls from XXXX on XXXX at XXXX XXXX  and asked not to call until after XXXX XXXX I received another call from that number on XXXX at XXXXXXXX XXXX and told them the same thing. I get called by so many numbers from their IVR calling system and their dialing systems that it is too much to find. I am sick of getting harassed during times I have already informed them are inconvenient. There have been at least 100 phones calls in total received by them over the last year.
Product: Checking or savings account

This bank stole my OWN BILL PAY CHECKS. Put the money into my account and then a hold for unknown amount of time AFTER IT WAS ALREADY IN MY ACCOUNT. THEY ARE CHECKS TO ME, FROM ME, FROM THIS ACCOUNT. They took the money back out of my account and overdrafted my account INTENTIONALLY. THEY DIDN'T EVEN ALERT ME THAT THIS WAS BEING DONE. I was using my debit card and it kept getting declined. As evidence of my story, I do not have overdraft protection on my account. These charges were made today, when I had the money from the bill pay check deposits. My card would have been declined if there was no money in my acvount, then taken back out as I'm saying. They put the money in, then claim they put a hold on my money. Almost 3000 dollars. It isn't a small amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX and I am submitting this CFPB Complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX Balance : {$730.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$590.00} XXXXXXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX )  XXXX Balance : {$430.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$9600.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX. ) XXXX Balance : {$440.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX  ) XXXX Balance : {$320.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$450.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXX XXXXXXXX Balance : {$1000.00}. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted each bureau by certified mail to have proof of verified debt. I ahve not received any response back verifying the debt belongs to me. Here are the items : XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX ( 5 accounts )
Product: Credit reporting or other personal consumer reports

I am filing a complaint against TransUnion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, TransUnion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, TransUnion 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administration proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I have disputed. XXXX 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

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX  accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account. 
XXXX Please remove this bankruptcy from my public record This Account is in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit/consumer report XXXX Please remove this bankruptcy from my public record
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, myXX/XX/XXXX and Zelle failed to investigate my my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. 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 reporting, credit repair services, or other personal consumer reports

Hello, I am writing to dispute the following information reporting on my credit reports. This item is with XXXX XXXX. The information reporting is inaccurate because I am no longer responsible for this debt. The vehicle was sold by XXXX XXXX through XXXX XXXX XXXX XXXX/XXXX : ( XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, Oh. XXXX ) on XX/XX/2017 ; After being told that I could recover the vehicle by XXXX XXXX ( XXXX XXXX. Representative ). I sent in all of the required documents to XXXX by the due dates, and on my way to recover the vehicle, I learned that the vehicle was sold before our agreement. Since then I have contacted XXXX XXXX several times to find out how much the vehicle was sold for and to see if there was a remaining balance ; The company has n't contacted me with any information. 

I have disputed this information with all three credit bureaus and still there has n't been a proper resolution. I will attach copies of the correspondence between XXXX XXXX and I, supporting my position. Please investigate this matter as soon as possible. 

Please see the notes attached on each document. 

Thanks, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under XXXX XXXX. See the documents attached. XXXX XXXX. Please repair and update ASAP.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Mortgage

Seterus continues to mail letters stating I am responsible for a debt discharged in Bankruptcy Court 3 years ago. I filed a complaint in XXXX XXXX and the company agreed not to contact me however they continue to do so. 
Further Seterus admits in the enclosed documents that they are sharing my private financial information with their affiliates. They also sent me paperwork via XXXX overnight stating that I need to fill out mortgage loan modification forms. 
I have documentation going back to XXXX from Seterus trying to reaffirm this loan, which is in violation of the Federal Bankruptcy Court ruling in my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing the XXXX, XXXX and XX/XX/2019 derogatory credit reporting. I was under forbearance at that time and should not have been reported delinquent. The representative I spoke with afterward was supposed to correct the credit the reporting, and that never happened. She did setup a new payment due date and monthly payment amount, but never fixed the credit reporting.
Product: Debt collection

On XX/XX/2020 I received a call at XXXX. The caller asked to confirm my identity then stated that they were trying to get a message to my sister. The caller introduced themselves as XXXX calling from Covington Credit. She wanted me to let my sister know they were trying to reach her. I initially took the information to pass it along, but did a quick XXXX search to confirm if it was a scam or debt collector. I immediately found out is was a loan company, and the first review I read stated, " if you are late AT ALL they will call any family member of yours that they can and harass them. '' That business practice is unacceptable. My sister 's personal business is for her alone and not anyone else 's business. By calling me on my personal cell phone during work hours they wasted my time and disclosed information that should have been kept private between their company and my sister. I also found out that they had also contacted our father and disclosed information to him, including an estimate of the amount she owes. In talking with them he was even told the monthly payment and he told me he sent a check. This company should be fined for disclosing this information and if they cash a payment from a family member they should be shut down. I tried to reason with the manager that what they were doing is wrong, but she was very rude and condescending. If you are going to interrupt my day with something that is not even my financial business then you need to be ready to give a thorough explanation in a respectful manner. I'm sure this manager would not appreciate me harassing her family members.
Product: Credit card or prepaid card

Ive been with Bank of America for many years but When I called to see about lowering my interest rate on my accounts, Im treated, so Im trying to steal money from the bank. Or the monies coming out of the agents pocket. I have good credit. Ive been an excellent customer. Youve made plenty of money off me over the years. I dont understand why banks have to be so greedy you make XXXX  and profit but the average guy whos just trying to get by I easily work 50 hours a week I take care of my kids. I always pay all of my bills on time but I dont understand why the bank cant just cut me a little slack here. Inflation is out of control and thats not your fault but its made everything so much more expensive, and when I call and I asked to see if you can lower the interest rate even if you lowered it just temporarily, that would be a help. Please explain to me why you have to be so greedy, and so unwilling to help the every day guy out here just trying to get by, why cant you lower my interest-rate? I mean is it really going to affect your bottom line that much youre still going to make XXXX  and profit have some compassion put yourself in my shoes.
Product: Mortgage

I have provided documentation on my mother 's mortgage to Wells Fargo. They claim she is not on the title for the mortgage ; however, she has been here in the house since inception since XXXX. The XXXX XXXX XXXX XXXX XXXX has provided me everything they have on this mortgage. Wells Fargo insists that my mother is not on the title and has issued and acceleration for {$10000.00} by XX/XX/XXXX. I have been in home preservation status since XX/XX/XXXX and have been going back and forth with them to prove she is on the deed ( title ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I looked at my credit report and on XXXX it shows that I have 2 hard Inquiries from Penfed on XX/XX/XXXX of 2020 and XXXX XXXX of XXXX. I never authorized these hard inquiries. Please remove these inquiries from my credit report or provide proper documents including my signature where I authorized these hard inquiries. Thanks for your time.
Product: Bank account or service

My wife filed for bankruptcy years ago.The mortgage company put a lien on our home and she paid it off. The bank sent a letter stating the debt was paid in full but now they will not remove the lien. This has been going on for two years.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit was damaged by a delinquent payment was due to a company error by incompetence, not a missed payment by me. 
Explanation : I often had trouble logging into the company website to make payments. Every month the system did not recognize my password and it would make me create a new one. In XXXX of 2020 I was not able to log into my account ( as usual ) to make a payment so I called to make the payment by phone. I also asked to Cancel my card due to the inconvenience. I was told during this call that I could go into the store to pay it, but this was not convenient at the time. I requested to pay it by phone and thought that it was taken care of. I requested a Cancellation confirmation, but never received one. 
The following month I received an email that my payment was due. I called to ask why I was receiving the email because I had closed my account. I was told that my account was not closed because I had a balance that was not paid off. ( Their report shows a balance of {$8.00} that was added to my account AFTER I closed it. ) I attempted to resolve this and once again requested a confirmation that my account would be closed. 
The following month I received another email about a pending balance on the account. By this point I was very upset and requested to speak to a manager to resolve any pending balances and close the account immediately and provide immediate confirmation of closure. 
The balances that I was accused of owing and missing payment were added to my account AFTER I had paid and requested for it to be closed. I had to call multiple times to get this resolved as several people failed to properly apply my final payment and close the account.
Product: Checking or savings account

On XX/XX/XXXX I was XXXX. I stayed XXXX  until XX/XX/XXXX. During this time my TD bank debit card and phone which contains my PIN number was stolen presumably on XX/XX/XXXX, starting on that day funds where being stolen out of my account everyday. I was only able to shut down my card and stop these transactions when I came home but unfortunately the thief got a way with withdrawaling all XXXX $ out of my account. Within few days of this incident I filed a police report explaining to them what happened and then I collected my papers showing the dates I was XXXX  and therefore not even able to authorize these random transections. I went in to the bank, filled a claim, and provided them with the police report. Then when I tried to give the lady at the bank documents saying that I was XXXX  during the times of all these unauthorized transactions, she told me she doesnt need them an that I would receive a email and I can upload that proof there. I never even received that email to upload proof, but they still denied my claim very quick with no questions asked. I feel as if the claim dollar amount was much lower then they would have no issue resolving my claim, but due to it being a larger amount they dont want to honor my consumer rights by any means. My account was hit with overdraft fees a put in the negative after this incident and this has been affecting me mentally a lot. Its very unfair and disappointing to be let down in my hardest times by the bank I have been using for 7 years.
Product: Credit reporting or other personal consumer reports

Equifax data breach settlement. 

I was a target for this data breach. 
XXXX XXXX XXXX
Product: Credit card or prepaid card

Chase is devoting the entire amount of the minimum payment to my lower APR balance while letting the interest on the higher APR balance accrue thus increasing that balance each month. The minimum payment is calculated by adding all interest charges plus 1 % of the total balance but none of the higher APR interest charge portion of the minimum payment goes to paying that interest charge.
Product: Credit card

I started a new job with Sam 's Club ( XXXX XXXX, XXXX, MI ). During orientation we were told that as new employees we were given a free basic membership but we at the same time we were being encouraged to open a more advanced Membership called a PLUS Membership for an additional fee of a deduction of {$2.00} taken out of our pay every week. We were also encouraged to open a Master Card Membership which would again offer cash back rewards for using this card. Since I 'm looking to rebuild my credit score, I had lost who lost not only my job but also my home of 24 years in a robo signing here in Michigan. I had a credit score of XXXX when I was forced into bankruptcy protection back in 2010. Up until I applied for this Sam 's Master card I have never been denied for a credit card. And this time not only was I denied a Sam 's Credit card approval, but they in turn automatically gave me a personal line of credit for {$1200.00}. I was shocked and said, " no thank you '' to this line of credit. The response back to me what that it was automatically done, that the line of credit had already gone through and that I 'd be receiving a credit card along with an explanation as to why I was denied the Master Card. When I repeated that I did not want the line of credit and said I think I was SLAMMED with a credit card and I think this is a problem. I explained that if I cancelled that line of credit that it would go against my credit rating.The person at the Sam 's Club Membership Desk stepped back, held her hands out, palms facing me, XXXX fingers spread, as if to say hey lady! and continued to say " it 's not me, it Synchrony Bank, the creditor. ''
Product: Credit reporting or other personal consumer reports

I am a victim of Identity Theft. I did not authorize this company to pull my credit report. This a a fraudulent inquiry.
Product: Vehicle loan or lease

This vehicle was repossessed by XXXX XXXX in the State of Florida. 

Under the laws of the State of Florida XXXX and State XXXX and XXXX statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 

Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. 

If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA.
Product: Credit reporting or other personal consumer reports

I have an account on my credit report from XXXX XXXX that is not mine and determined by XXXX XXXX not to be mine and not responsible for this account, but yet still Experian responded to me that it was verified and accurate. Again another blatant lie and violation of rights under FCRA. I will be initiating lawsuits against for the blatant disregard of the FCRA laws implemented for the Credit bureaus to follow. I also have a bankruptcy reporting on my credit report that was stated to be verified and accurately reporting, I requested source of legit proof of verification and the only thing received was that the courts verified it but I'm in enclosing proof that this is also a blatant lie.
Product: Debt collection

I completed a dispute for an account listed on my credit report as a collection from Portfolio Recovery Associates. Being that I have never done business or signed a contract with them I asked for validation of debt owed in XX/XX/XXXX. I received a letter on XX/XX/XXXX,  which is after the allowed 30 day period, that included their " validation of owed debt ''. This letter only states how much was owed at the time. The letter never notified me of my rights under FDCPA and FCRA to dispute any information I deemed as inaccurate.
Product: Credit reporting or other personal consumer reports

I had submitted several disputes from debt collectors and loan companies, they did not fix the problem and said that the information was correct which is false. My credit score has severely been affected from this report and would like them investigated.