23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

Santander USA refused to accept my payments for the months of XXXX, XXXX, XXXX and XXXX then in XXXX they wrongfully repoed my car and i also asked them over the phone if i can give them XXXX $ they said it has to be XXXX $ or more which i found out they cant do that. then i got a letter saying they wont speak to me over the phone at all. i tried going online to see if i can make a payment and it says my username and password is wrong when it wasnt. this company is playing games
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX XXXX states I have the right to privacy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Credit reporting or other personal consumer reports

On numerous occasions, I have expressed to Experian of their violations of XXXX. Their unsound practices have placed my family and I at risk of unsafe transactions. Experian does not accurately represent the people if they are constantly furbishing inaccurate information without proof. Furthermore, I NEVER gave Experian my wet ink, written instructions to furnish any information to my credit file which is a MAJOR violation of my federally protected rights. I plan to take necessary action for each violation at {$1000.00} each. If this is not fixed in the next 30 days, I will file a suit and will follow up with an Invoice of Each Violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX aka XXXX, on my credit report for Experian, they keep updating it as repossessed every month making it look like I have a new repossession. On my XXXX credit report, they indicate that I had a high balance of XXXX in 2022 which is in accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, XXXX, and XXXX. 

Personal information Employers XXXXXXXX XXXX XXXX  ( Not valid ) XXXX  XXXX # XXXX XXXX XXXX XXXX XXXX XXXXXXXX PAST DUE 30 DAYS, REMOVE DOUBLE ACCOUNT ( # XXXX ) REMOVE ACCOUNT PREVIOUSLY DISPUTED COMMENTS AND CLOSE DISPUTE XXXX XXXX XXXX Account number XXXX Last Payment date XX/XX/XXXX Delete continues double print XXXX XXXXXXXX XXXX Account number XXXX Last Payment date XX/XX/XXXX XXXX XXXX XXXX Account number XXXX balance {$32.00}, XXXX XXXX XXXX XXXX Account number XXXX balance {$260.00} closed 1 month term ( Double print ) ( please remove ) XXXX XXXX XXXX Account number XXXX balance {$260.00} closed 1 month term PLEASE REMOVE INQUIRIES UNAUTHORIZED INQUIRIES Unauthorized & shopped around auto inquiry - XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MI XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I have been making payments to company ( Easy Pay Finance ) under the assumption that they where my regular scheduled payments. However, I was told that the payments were late only fees, and the fees where drastically higher then the regular payments. In some cases almost double. The company also attempted to double charge may card on multiple occasions for the payments I make. When I spoke with the consumer service representative, I requested confirmation of the payment began made through an email, however, she denied my request and said the she could only give a confirmation over the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter out on XX/XX/XXXX via fax to XXXX XXXX dispute department. I explained to the XXXX XXXX dispute representative that i had COVID-19, lost a family friend and faced a financial hardship loosing my job due to the pandemic layoff and my personal condition. 
I even provided my positive COVID-19 tests to show that the times I had COVID-19 were in alignment with late payments. I also opened a credit card account with them with automatic payments set up so I could continue a more positive relationship with them. 

The XXXX XXXX & credit bureaus representatives told me if I provided a good will letter and supporting documents, then they would notify credit buraus and remove it from my credit report. Unfortunately, this was not fulfilled and XXXX  XXXX continued to report a charge off/collection. Because of this, my credit scores were impacted negatively. Negatively impacting my credit score after an attempted dispute is a violation of my consumer rights.
Product: Checking or savings account

BANK OF AMERICAN IS TACTICALLY DELAYING AND OFFERING MISINFORMATION OF DEBTS AND CREDITS ON ITS CONSUMER PORTAL IN ORDER TO CHARGE THEM A OVERDRAFT FEE. BANK OF AMERICA IS TACTICALLY DELAYING THE POSTING OF SECURE FUNDS FROM OTHER WELL ESTABLISHED INSTITUTIONS SO THAT THEY CAN MISLEAD CUSTOMERS ABOUT THE BALANCES AND CHARGE THEM A FEE. 

ALSO BOA HAS INCREASED ITS FEE WITHOUT PROPER NOTICE OR EMAIL NOTIFICATIONS OF UPDATE FEE SCHEDULE
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns with Zelle handling my disputes, concerns and reservations regarding their company and transactions particularly in light of the cfpb lawsuit. Despite using Zelle, numerous of times and finding discrepancies in my transactions. after reporting this numbers of times my financial institution failed to accommodate or provide me any customer service. I have lost funds and was told nothing in regards to being compensated. This has caused tremendous stress.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against XXXX, XXXX, and XXXX for reporting incorrect information on my consumer report. The only employment information that should be reflected on my report is my employment with XXXX XXXX and The XXXX XXXX. Any other information that appears on my report is inaccurate and must be immediately deleted. 

Legal Basis : 1. Michigan Consumer Protection Act ( MCPA ), MCL XXXX et seq. 

Under the Michigan Consumer Protection Act ( MCL XXXX ), it is prohibited to : ( XXXX ) Fail to reveal a material fact, the omission of which tends to mislead or deceive the consumer, and which fact could not reasonably be known by the consumer. 

By reporting incorrect information on my consumer report, XXXX XXXX, and XXXX are misleading and deceiving both consumers and third parties regarding my creditworthiness and personal information. 

2. Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX et seq. 

The Fair Credit Reporting Act mandates the accuracy of consumer reports and sets forth the rights of consumers to dispute and correct inaccurate information. Relevant sections include : XXXX XXXX. XXXX ( a ) This section requires consumer reporting agencies to investigate disputed information in a consumers file. I have disputed the information on my consumer report, and the agencies have failed to correct or delete the incorrect entries. 
XXXX XXXX. XXXX ( b ) Consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information. By including erroneous details on my report, XXXX XXXX and XXXX have violated this section. 

3. Michigan Collection Practices Act ( MCPA ), MCL XXXX et seq. 

Under the Michigan Collection Practices Act, it is unlawful to provide inaccurate or misleading information to a credit reporting agency : MCL XXXX ( XXXX ) Prohibits a person from furnishing false or misleading information concerning the creditworthiness, credit standing, or credit capacity of a consumer to a credit reporting agency. 

4. Federal Trade Commission Act ( FTC Act ), XXXX XXXX. XXXX ( a ) The Federal Trade Commission XXXX prohibits unfair or deceptive acts or practices in or affecting commerce. Reporting incorrect information on my consumer report constitutes an unfair and deceptive practice under this act.
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 Equifax credit bureau must validate this account 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 listed account needs to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX  XXXX XXXX Balance : {$1300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I have requestion for validation of this debt through XXXX and XXXX XXXX. By law they should have my original contract on file. But they dont have no documentation. By law if the dont this. They are suppose to delete these accounts off my credit report. These letters that are attached are not my original documentation. Doesnt show apr. I will like these accounts deleted before I report yall and have my lawyer take yall to court. SECTION 609 of the Fair Credit Reporting Act does not care whether the negative account is valid or not. The letters dispute the Credit Reporting Agencies right to REPORT the adverse account - NOT whether or not the adverse account is valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act this creditor CREDIT ACCEPTANCE has violated my rights Under 15 USC 1681 section 6 o 2 states that I have the right to privacy 15 USC 1681 section 6O4 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USCS 1666B a credit may not treat a payment on a credit card account an open end consumer credit plan as late for any purpose. 
THIS LETTER SERVES AS A FORMAL COMPLAINT THAT THEY ARE REPORTING INACCURATE AND INCOMPLETE INFORMATION ON MY CREDIT REPORT. THE NOTATION OF THE FOLLOWING LATE PAYMENTS IS INACCURATE. 
Late payment dates : XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23
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. 

XXXX XXXX XXXX XXXX has violated my rights 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 an 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 or 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.
Product: Debt collection

The company represented themselves as XXXX and XXXX and collected four payments for {$190.00}, {$490.00}, {$120.00} and {$140.00} for XXXX XXXX XXXX. I paid all the amounts on XX/XX/XXXX. 
Another company named " Weber and Associates '' appeared my credit report XX/XX/XXXX for exact same amounts on my credit report for the same four amounts. 
This needs to be removed immediately from all my credit reports. 
I spoke to XXXX a representative yesterday and she demanded proof of payment. I sent her an email to XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax allowed my personal information to be stolen.
Product: Credit reporting or other personal consumer reports

Per the documents provided. The following accounts have been deleted and blocked from my XXXX credit report. ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please follow suit and delete and block the following accounts as well. The inaccurate and erroneous reporting of these unknown, un validated accounts have caused me to be homeless and car less and has defamed my character causing me to become XXXX XXXX. I have been denied credit by the banks and several other companies. Per the FCRA I am entitled a fair and accurate report across all credit reporting agencies, therefore you have to delete the accounts as well. You have refused to properly investigate and address my previous disputes regarding this same situation with proof of deletions of accounts. According to, XXXX U.S. CXXXX XXXX The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Therefore this is an FCRA violation and the dispute has not been resolved. Furthermore, The FCRA demands that CRA use reasonable procedures to assure maximum possible accuracy of the information they report XXXX U.S.C Section 1681 e ( b ). When a consumer disputes an item of information, the agency must investigate the dispute. I have forwarded this complaint to my state attorney general, the better business bureau, and I am aware do to your improper sham investigations that I can consult with a attorney that would include monetary damages, removal of incorrect reporting, attorney fees, and statutory damages. I have provided proof of deletions and proof of identification.
Product: Checking or savings account

USAA Federal Savings Bank is causing my Korean wife and I multiple problems with harassing false fraud reporting in banking and credit card use and multiple intentional errors in setting up joint CD accounts, and locking up our accounts.This past month our account has been locked up 3 times, XXXX for alleged fraud banking and twice for alleged fraud credit card usage. All notifications are by a telephonic computer voice that gives only their limited choices in responses and refuses to connect me to a live person. XXXX times Ive had to spend XXXX minutes being bounced around to multiple people to unlock our accounts. Twice while my wife made a purchase at a second store forcing her to use cash. They also locked our banking accounts when I made several deposits and made several harassing errors when I telephonically set up a new CD account. They refused to make my account a joint account with my wife and withheld 24 % federal tax when I specifically told their representative to not withhold tax. Last week a friend who is a USAA member, also with a Korean wife, had his accounts froze for alleged fraud. I am a retired XXXX XXXX and have been a USAA customer for 51 years. This harassment is unacceptable and impossible for my Korean wife of 40 years to fix, and very harassing and embarrassing to me to fix and explain to my wife why we are being singled out for this treatment especially when we have several XXXX XXXX in USAA Savings Bank. I believe this is some sort of institutional harassment against bi-racial couples.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing credit reports noticed an unfamiliar derogatory account from XXXX XXXX on behalf of XXXX. Made several attempts to discuss, company unreachable, pre-Covid-19.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing my report and I have notice a few unauthorized inquiries that I am not familiar with. Im concerned with these unauthorized inquiries, Its dramatically damaging my credit score..
Product: Debt collection

I received a letter from Messerli & Kramer PA threatening to garnish my wages based upon a default judgement that was obtained in XXXX. The judgement derived from a time barred credit card debt. I reside in the state of Wisconsin. The statue of limitation regarding a open account or credit card debt is 6 years. The debt in question became in default was in XXXX. In which at that time the balance of the debt was alittle over XXXX. Messerli and Kramer pursued legal action against me in XXXX. 2 years after the statue of limitation. I wasn't made aware of the date and time of the proceedings. It just appears that I just didn't show up. I didn't know anything about this. I wasn't given the opportunity to even dispute the validity of the debt or even the true ownership of the debt? I am not even sure XXXX XXXX or even this law office purchased this debt from the original owners. Also, Messerli and Kramer PA submitted an amount of XXXX, XXXX as the amount discharged which is absolutely incorrect. In which this law firm has misrepresented the amount of the debt. I am a XXXX XXXX XXXX senior citizen and I feel like I have been a victim of a scam. I am requesting assistance in remediating this issue. I am disputing the validity of this debt. Besides the letter I received last week, I have no other documentation. I had my daughter search the Wisconsin XXXX XXXX XXXX XXXX website in order for me to obtain any information but no documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX ), XXXX  XXXX XXXX XXXX XXXX ORIG CREDITOR : XXXX XXXX XXXX XXXX,
Product: Credit reporting or other personal consumer reports

I had a XXXX XXXX  account and XXXX failed to do the due diligence in properly investigating this account. 

XXXX XXXX XXXX is holding closed accounts that have been settled and closed due to being paid off.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023
Product: Debt collection

I received a medical bill, but missed the original letter in the mail while I was traveling. I later received a text message with a link to a website where I could pay the bill, but I initially passed off the message as being a potential scam and ignored it. 

The debt was sent to a collections agency. When they called me, the collections agency required me to provide personal information, such as date of birth, before they would provide any details about the debt over the phone. This made it impossible for me to verify that they were trying to contact me regarding a legitimate debt without providing personal information and risking identity theft. Even though I possessed a letter with a " Reference Number '', the phone representative would not accept this reference number as verification and continued asking me for personal information.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to express my profound disappointment and grave concerns regarding the accuracy of my personal information on file with your esteemed institution. While perusing my credit report, I was dismayed to discover discrepancies that have raised significant questions about the completeness and accuracy of my records. Specifically, there are inconsistencies in my identification, Social Security number, and proof of address, which I have attached to this letter for your thorough review. I earnestly request that you investigate this matter and take prompt and necessary actions to rectify any errors and update my personal information in a timely and precise manner. Your cooperation and assistance in this regard are paramount to retaining my trust and confidence in your institution. 

Incorrect Name - XXXX, XXXX, XXXX Incorrect Name - XXXX XXXX XXXX Incorrect DOB - XXXX Incorrect Previous Address - XXXX XXXX XXXX, XXXX, CA XXXX Employer - XXXX XXXX Employer - XXXX
Product: Mortgage

XXXX XXXX was my loan officer at Sovereign Lending Group. I needed a simple refi on my home. He gave me his initial loan estimate and I as a consumer took that estimate and started shopping for a better deal. When I found one I brought it back to XXXX for him to beat. He stated to me several times, if you find a better deal bring it back to me and I will 100 % beat it. He said he was going to beat the costs no problem. I followed up a few times and when he got back to me finally, he said he would beat the costs at the closing table. He was basically trying to ensure that I did not go back out again and shop his loan estimate. This is extremely disappointing and very unprofessional. This type of lending practice should not happen. I have all of these details in writing from the LO if/when needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is no longer open and I cant pay the final {$25.00} which isnt fair because I want this account removed. If I cant pay them why should this account stay on my account. The website no longer active
Product: Prepaid card

I have been given 4 separate Amex Gift Cards from my employer over the holidays. I have verified the amounts on each card ( via AmexGiftCard.com/Balance ) and have tried to make purchases online at several different retailers ( XXXX XXXX XXXX XXXX  ) and have been denied at all retailers. All the purchases I have tried to make have been well below the amount that is on ( and verified on amex website ) the card. I have tried calling the number on the back of the card ( XXXX ) for an answer and all I got was an automated system that gives no option to speak to an actual amex employee. I have looked online to find a resolution and have discovered that this is a common issue with amex gift cards.
Product: Money transfer, virtual currency, or money service

In light of a recent CFPB lawsuit some issues have been brought to my attention surrounding the nature of Zelle and how the company has handled disputes. 

Despite using Zelle fairly regularly, Zelle has handled most of its complaints inadequately discouraging me from pressing matters with the company further. 

CFPB found that Zelle had not just neglected to protect its users from scams or potential harm but has also allowed its users to be considerably vulnerable to this exploitation.