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

On XX/XX/year> Upon attempting to visit XXXX XXXX in XXXX XXXX, I attempted a withdrawal for {$1500.00} which was declined by XXXX ATM ( XXXX XXXX ) I received an error message which told me that the transaction could not be completed, and that the account had not been charged. My Card was returned and no receipt was printed. The ATM Then went into a red display mode and said ATM Temporarily unavailable. However when I notified XXXX of this issue, XXXX tried to tell me they needed time to contact the XXXX XXXX XXXX. During their investigation they received supposed film and confirmed according to them that the cash was dispensed. I did not receive any cash from this ATM. My ATM XXXX limit is only {$1000.00}, not {$1500.00}. Secondly, I received an error at their ATM Machine, and I did Advise the XXXX on duty at that time and they did nothing to resolve the issue instead telling me I was not charged. This Same ATM attempted to charge me for Gaming tickets as well, even though I performed only a balance transfer. It tried charging me 8 times the same night {$1400.00}, {$1400.00}, {$840.00}, {$1600.00}, {$1600.00}, {$1700.00}. All of which were declined by my bank and the card was returned each time, However the ATM continued to provide errors. Account not charged and kept becoming temporarily unavailable. At this time I still have not received any funds from This ATM. Regardless if XXXX and XXXX were used my bank allowed the last transaction to go through, and I did not receive any funds. I did not attempt making a withdrawal for {$1500.00}. I was attempting a balance transfer. Which still requires you to use the pin. Lastly, I was not made aware of the fee that the ATM was charging in advance either. I was not prompted with a message to warn me about any fees. I did not accept such messages, and I did not receive any funds. I did bring money with me, and regardless what they think I had money already in my wallet and not from this transaction. I fully believe if a service or merchandise is not received the merchant is obligated to provide a refund. This is due to XXXX XXXX XXXX this time XXXX XXXX continuing to provide false information and XXXX XXXX not conducting a proper investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Drive time/XXXX  credit XXXX  XXXX Together credit XXXX XXXX XXXX In accordance with the fair credit reporting act the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681 15 usc 1681 section 602a right to privacy 15usc 1681 section 604a Without written instructions they can't furnish a credit report 15 usc 1681 c. ( A ) ( 5 ) reporting info without knowledge of errors Go to cfpb submit complaint Improper use of credit report No consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes Which antedates The report by more than XXXX years. 

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

my father passaway XXXX this year. unknown to me he had a XXXX mortgage that he paid religious for XXXX. as soon as he passing the mortgage start writing about forcloure. i now live in his house and is on XXXX. my father pass away with XXXX. he would not sign a contract with pathetic interest rate.the use to do people tax return ; he would not sign that contract if he was in is right mind.BOTTOM LINE I THINK THEY TOOK ADVANTAGE OR MY DADDY.i was his caregiver ; and i am his son. i am awaiting for his medical records to see when he was diagnois with XXXX. i talk to the vet hosital today and they told me it is in delay
Product: Credit reporting, credit repair services, or other personal consumer reports

I downloaded the app XXXX XXXX yesterday for the first time and I noticed I had several accounts that didn't belong to me. So, I decided to pull my report and I noticed several accounts that are not mine. XXXX XXXX {$11000.00} XXXX   XXXX {$900.00} XXXX XXXX XXXX {$33000.00} XXXX XXXX {$88000.00} XXXX  XXXX {$21000.00} XXXX  XXXX {$320.00}
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX I started XXXX XXXX with XXXX. This reputable school deals with XXXX I was approved for a {$60000.00} loan. I wasn't sure when disbursements would be made to the school but was told to set up an online account with Mohela, as I did along with my parents. It reflected on our Mohela account that we owed approximately {$43000.00}. I made many payments all along eventually able to make extra payments toward principal. One week ago, when logging onto my account, everything was missing, records of payments, it stated in bold letters that my account was " delinquent '' and that collections would be contacting us soon. After frantic phone calls, no explanations for 3 days, missed days of work, I learned that the account had been deconverted, then reconverted. A 3rd disbursement of {$18000.00} had apparently been made to the XXXX XXXX  on XX/XX/XXXX. We had only been aware of 2 disbursements of {$21000.00}. ( these disbursements were made on XX/XX/XXXX, and XX/XX/XXXX respectively. ) Interest has been accruing on this {$18000.00} which I do not believe that I am responsible for. I have spoken to numerous supervisors at Mohela, also managers at XXXX. Neither of them take the blame as I am just requesting that this interest be waived.
Product: Credit reporting, credit repair services, or other personal consumer reports

IDK whats going on with my credit report. I have over XXXX negative impacts that I did not do at all. I was a victim of identity theft and I have been reporting this for a good minute now. I have locked my credit profile so this cant happen any more once all of these negative impacts are removed so please I am begging help me. I cant even buy a house now because of the XXXX. Thank you and have a blessed and wonderful day.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed accuracy, legitimacy, and proof of furnisher. I contacted alleged Data furnisher and they explained that they do not and did not provide any records containing my personal information. Disputed file with XXXX XXXX, Equifax and XXXX. 
XXXX and XXXX removed file immediately finding it inaccurate and non existing. 

EQUIFAX has failed to remove after several request. 
XXXX XXXX-Dispute in progress.
Product: Credit reporting or other personal consumer reports

Experian has failed to ensure accurate reporting of my payment history for several accounts, including but not limited to : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX with Inaccurate Reporting Inaccurate Payment History : My credit report contains inaccurate entries for payment histories across these accounts, including repeated monthly reporting of charge-offs as new events. For example, the payment history for one or more accounts reflects entries like " Charge Off as of XX/XX/year>, XXXX XXXX XXXX  XX/XX/year>, '' which is improper. 

Failure to Ensure Accuracy : Under 15 U.S.C. 1681e ( b ) of the FCRA, credit reporting agencies are required to ensure the maximum possible accuracy of the information they report. Repeatedly listing charge-offs as new events each month violates this obligation and has caused significant harm to my credit score.

Violation of Reporting Statutes : According to 15 U.S.C. 1681c ( a ) ( 4 ), a charge-off can only be reported for seven years from the date of the first delinquency leading to the charge-off. Experian 's repeated reporting of charge-offs as new events does not reset this statute of limitations and is misleading.

Unjustified Account Closures : Experians report inaccurately reflects unjustified account closures from XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX despite my efforts to maintain a perfect payment history. These closures, without prior notice or valid justification, have unfairly damaged my credit profile. 

Violations of the Wisconsin Consumer Act ( Wis. Stat. 427.104 ) Experians reporting practices also violate the WCA by failing to provide fair dealing and reasonable communication. Specifically : Failure to Provide Adequate Notice : Inaccurate reporting of account closures and repeated charge-offs deprived me of the opportunity to address or dispute these issues. 
Unjustified Harm : These actions have caused significant and undue harm to my credit-building efforts and financial reputation.
Product: Debt collection

Resurgent is reported a debt that is from XXXX from XXXX XXXX XXXX and it has not been removed it has pass the 7 years mark they has falsely updated to been from XXXX in a past complaint to cfpb they has shown evidence that the debt is from XXXX the debt needs to be removed from my credit report or Ill take a federal case to court for unfair debt collection practice act if they look in they file I also ask them multiple times to send me the agreement between them web bank and my XXXX  XXXX account they are needs to mail me past proof that the debt is valid them account are XXXX XXXX XXXX
Product: Debt collection

XX/XX/2018 {$3400.00} XXXX XXXX XXXX, never received any bills or information from this company in 4 years now they got a debt collector trying to get money from me.Don ' know what for. Capital Accounts XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity theft, I filed a complaint with the XXXX  FTC and now the Cfpb. this account is hindering my ability to obtain credit
Product: Money transfer, virtual currency, or money service

I am writing to formally expressed my concerns with Zelle handlings of disputes, particularly in the light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to Investigate my claims adequately. They informed me that recovering loss funds was impossible and that these transactions were unfeasible. The CFPB findings has indicate that Zelle has not only neglected to protect consumers but has allowed repeat offenders to exploit the system leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious questions About consumer safety.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XX/XX/XXXX : DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX :
Product: Credit reporting or other personal consumer reports

I recently checked my credit and notice that there are multiple fraudulent items on my credit report that I did not authorize. 

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681C-2 ) that you 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 an Auto Loan opened at XXXX XXXX XXXX on XX/XX/2023. This account have resulted in several fraudulent hard inquires and fraudulent collections appearing on my consumer FICO credit report. I have attached a list of the hard inquires 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 account or hard inquires as reported. The aforementioned account, collections and hard inquires 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 as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the company a few weeks ago trying to get some unauthorized inquiries removed but the customer service rep was no help at all. I told her that I havent been applying for anything since I was working on my credit and plus I am trying to get approved for a mortgage. Someone please fix this for me.
Product: Debt collection

I sent out a letter to diversified consultant ( around XX/XX/XXXX or XX/XX/XXXX ) that I never had a debt of approximately {$1000.00} from a XXXX account because I never had service with XXXX. they sent me a random phone bill with a number I never owned. they removed it off of my account for one day in XX/XX/XXXX but was added back. they refuse to delete this account! Clearly I have been a victim of fraud and they can not prove this is my debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since the announcement of the Equifax data breach on XX/XX/XXXX, I have been trying to freeze my account online with them. Every single day I try and I receive an error message through their website, I have tried different browsers, different times and different computers. When I finally called them on XX/XX/XXXX, I was given a number XXXX, when I call the automated number it request a pin which I have not been provided and have no idea how to get. When I press 2 for " no pin '' I am told to call back when I have this magical pin, then hung up on. This is not acceptable as per their website I was affected.
Product: Student loan

I applied for SAVE plan on XX/XX/2023. Received notice that nelnet received app on XX/XX/XXXX. By XXXX, interest started capitalizing. I did not receive any info via nelnet portal or via email about issues with processing my account until i filed for CFPB complaint ( XXXX ) on XX/XX/XXXX, then in XX/XX/XXXX, nearly 50 days after I sent initial application I was told due to name discrepancy my application is being held up. Many years elapsed between borrowing and repayment, borrowers have name changes and address changes. 

I have sent copy of ID requested on XX/XX/XXXX via email and my contact info is up to date on nelnet portal ( please use address on portal instead of drivers license ). Please change payment plan immediately and reverse interest capitalization as SAVE plan would have done.
Product: Credit reporting or other personal consumer reports

There has been some fraudulent activity on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On several occasions XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX I have contacted XXXX XXXX XXXX and Lexis Nexus in regards to reporting inaccurate information. I included documentation where I do not have a bankruptcy and that Lexis Nexus has reported this without proper verification and stated that it was public information and that they received the information for the courts. I obtained a letter from that court and they stated that they did not provide any such information and provided me the letter verifying that they did not do so. I sent all the documentation in and all bureaus listed refuse to delete this off my credit report. I researched the laws and regulations and it states that in order for an account to be reported on a credit profile it must report 100 % accurate information or be deleted. It is impossible that they verified this information when it says XXXX and XXXX discharged. There is no way you can have 2 bankruptcies discharged a year from one another. Then there is another one reporting dismissed because it can not report because they have 2 listed discharged. There is no way they have performed a proper investigation or they would have seen these errors. They have refused to delete it.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Inquired on XX/XX/year> XXXX XXXX Inquired on XX/XX/year> XXXX XXXX XXXX Inquired on XX/XX/year> XXXX XXXX XXXX XXXX  Inquired on XX/XX/year> XXXX XXXX  Inquired on XX/XX/year> XXXX XXXX XXXX Inquired on XX/XX/year> XXXX XXXX XXXX Inquired on XX/XX/year> XXXX  XXXX XXXX Inquired XXXX XX/XX/year> XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/year> XXXXXXXX XXXX Inquired on XX/XX/year> XXXXXXXX XXXX  Inquired on XX/XX/year>XXXX XXXX XXXX  Inquired on XX/XX/year> XXXX Inquired on XX/XX/year> XXXX XXXX XXXX Inquired XXXX XX/XX/year> XXXXXXXX XXXX Inquired on XX/XX/year> XXXX XXXX XXXX Inquired on XX/XX/year> XXXX Inquired on XX/XX/year> XXXX XXXX XXXX XXXX XXXXnquired on XX/XX/year> XXXX XXXX XXXX Inquired on XX/XX/year> XXXX XXXX XXXX XXXX Inquired on XX/XX/year> XXXX XXXX XXXX  Inquired on XX/XX/year> XXXX XXXX XXXX Inquired on XX/XX/year> XXXX XXXX XXXX Inquired on XX/XX/year> 2024
Product: Credit reporting or other personal consumer reports

I recently pulled my credit report and saw an unauthorized inquiry on my report. These unauthorized inquiries are in violation of the Fair Credit Reporting Act 15 U.S.C 1681. 15 U.S.C 1681b states A person shall not use or obtain a consumer report for any purpose unless 1. ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section ; and 2. ) 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. 15 U.S.C. 1681b ( f ). I have never authorized any transactions with the following company XXXX XXXX XXXXXXXX XXXX  ) As well as I do not have an account as defined under 15 U.S.C 1693 ( a ) 2 with ( XXXX XXXX XXXX ) of any sort. 

In regards to The company XXXX XXXX XXXX XXXX ) has misused the private/personal information associated with my personal consumer report by using my information for personal financial gain for the betterment of their company. They ignored my communications & refused to cease and desist obtaining my personal/private information from any credit reporting agency. The company refused to remedy the matter professionally without any trusted third parties having to intervene into the matter. In addition to the rampant fraud & identity theft the company XXXX XXXX XXXX XXXX ) keeps taking part in they refused to pay me the consumer/beneficiary the entitled payment that was compensation for the violation ( s ) that kept recurring. I also gave them written notice that if such attempts kept being made against me the consumer/beneficiary that there would be legal actions taken. And it should be taken very seriously as this matter is represented in a trust matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

ALLY FINANCIAL You've committed " FRAUD '' It has been brought to my attention 15 usc 1692 ( a ) ( i ) you have reported my personal/private information with third party agencies with out direct consent from me the original " CREDITOR '' Pursuant to usc 1605 the finance charge is the sum of charges with insurance included Pursuant to 15 usc following 15 usc 1635 Rights of Recission I demand you remove these neagative items off of my consumer report!
Product: Consumer Loan

I went into a US Bank banking center to make a payment on my auto loan. The teller put the payment toward my XXXX account with them instead, even after verifying the amount of the auto loan payment. About a week later I got a call from US Bank asking when I could make a payment on my auto loan and that I was now delinquent. I went back to the branch where I made the payment and took my receipt with me. They searched but could not find where the payment was posted, but said they would try to find it and fix their wrongdoing. I have been to XXXX branch locations now over the past three weeks and even though they found the payment posted to my XXXX account they still have not corrected the mistake. It has now been over 30 days and the delinquent calls keep coming in and they claim it is being reported to my credit.
Product: Mortgage

Truist bought my mortgage from XXXX XXXX  on XX/XX/XXXX. I made all my payments on time. On XX/XX/XXXX I got a letter from Truist claiming it had no proof of insurance and threatened to buy insurance on my behalf, at an inflated price. 

On XX/XX/XXXX Truist made a payment from my escrow account to pay the insurance premium. This clearly indicates that Truist had clear knowledge of my insurance policy and made a payment on my behalf. 

When I received the letter in the mail on XX/XX/XXXX, I immediately contacted Truist. Even after admitting that Truist made the payment and after I provided the customer service representative with the evidence of insurance, Truist still refused to resolve the matter or provide any additional information that I requested or acknowledge that I had provided them with the proof of insurance as requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has been allowing my information to be released and I have been breached by the company and the report has not been updated to reflect the status of my account as payment is not received as paid but XXXX XXXX account is still showing up as not paid and my information from the accounts that are 7 or more years old and closed are still being used and my information on my background is not accurate because I was never convicted of the crime it was dismissed and the case is closed but the report is still being used in the account with experian and I dont want to be held accountable for the information that is being used
Product: Vehicle loan or lease

Credit acceptance finance company repossessed my vehicle for unpaid balance. I informed them that I paid the balance by using the coupon method and sending copies of a 1099a form along with other documents to the IRS and to credit acceptance to discharge the debt. Repossessing somebody vehicle is against the law and it goes against the fdcpa and 15 usc1692f unfair practices.