23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I filed for bankruptcy in XX/XX/2010. I have a Macy 's credit card, which had a zero balance at the time and was not included in the bankruptcy. XXXX is reporting that it was charged off in the bankruptcy with XXXX credit limit. I disputed that. XXXX responded that Macy 's was confirming that their reporting ( bankruptcy ) was accurate & gave me the Macy 's # to follow up. When I called Macy 's they said that the XXXX information was totally inaccurate and that I would not have a Macy 's account if it had been part of a bankruptcy. That credit card should have a perfect score.
Product: Credit reporting or other personal consumer reports

I am writing to demand the fraudulent XXXX account that has been reporting to my credit card for a year now to be removed. The account begins in XXXX. I have submitted multiple fraud reports for this account to be removed and disputes. Equifax 's customer service requested for me to turn in the full FTC report in order for this account to be removed due to XXXX. That has been done. I attached the full report to this letter. By law, an FTC works when fraud is involved and the account needs to be removed immediately. We go by the law. 
Previously, this account has been removed for fraud and re-added because XXXX fraudulently changed the account number for this account. I contacted Equifax 's customer service on the phone and they thought this was a brand new account. Please review my XXXX account history and you will see that this is the same account that was previously removed by Equifax, just with new account numbers. 
These items were deleted and you added them back without sending me a letter informing me that it was added back within the 5 day legal time frame after you added it back. You also never provided me with the information used to validate this fraudulent account account to 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ). This account must be removed immediately. If not, My attorney & I will take the necessary steps to ensure I receive all compensation for this horrific injustice regarding my credit report through a lawsuit.
Product: Payday loan, title loan, or personal loan

I applied for a {$500.00} payday loan in XXXX and was approved. Since, I have paid {$150.00} every two weeks for my loan..which in reality, is paid off. The company ( Cash Aisle ) wants me to continue to pay PLUS in order to pay off my loan I must pay {$500.00} plus the {$150.00}.
Product: Credit reporting or other personal consumer reports

Debt collections are furnished by XXXX XXXX XXXX XXXX to my credit reports without my permission, consent, authorization. XXXX XXXX XXXX XXXX can not provide legal proof of lawful debts they are permitted to collect or validate a judicial proceeding to allow consent to furnish debt collections to my consumer reports. XXXX XXXX XXXX XXXX violates FDCPA and GLB Act.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to formally dispute the inaccurate information being reported by XXXX XXXX XXXX regarding my auto loan account. According to XXXX XXXX, my account is being reported as open, past due, and with late payments. This has affected my credit and bringing my score down XXXX points when XXXX reported on XX/XX/XXXX my account was negative outstanding balance and still open. However, I paid off this loan in full on XX/XX/year>. When I contacted XXXX on XX/XX/year> making them aware of this error. I was told it takes XXXX weeks from the date it was paid XX/XX/year> to receive a letter stating that it was closed. No letter has been received and the account is still reflecting negatively on all three credit bureau reports. 

I have attached documentation showing the final payment made and confirmation from XXXX XXXX XXXX that the loan was settled in full on that date. Despite this, they continue to report the account inaccurately, which is affecting my credit standing. 

I request your assistance in resolving this issue and having the incorrect information removed or corrected on my credit report. 

Thank you for your attention to this matter. I look forward to your response and a swift resolution. 

Sincerely, XXXX XXXX XXXX financial services account number XXXX
Product: Credit card or prepaid card

I took out a Comenity ( Arhaus ) Credit Card in XXXX. I have been paying above the maximum since that time. My current balance is {$2600.00} but my credit report is showing that it is {$3300.00} because Comenity has failed in its duty to report to the credit bureaus since XXXX. This is having a SIGNIFICANT impact on my credit score because it is a single card utilization of 95 %. 

When I called Comenity yesterday ( XX/XX/22 ) they said that one month it was not reported because their system was down. They could not give me a reason why it was not reported in other months. Furthermore, they failed to notify their customers of this. 

Comenity has failed at every level here. Their mistake will cost me thousands of dollars as I have to make a large purchase and their failure will not be rectified by then. This is completely unacceptable and is affecting many of their customers.
Product: Debt collection

Credit Collection Services XXXX XXXX XXXX. 
XXXX, MA XXXX FILE # XXXX XXXX XXXX XX/XX/XXXX Debt Amount : {$200.00} - PAID IN FULL ON XX/XX/XXXX XXXX XXXX  is the company for which I had a trial service with for home internet services, no cable. I canceled after using service for three months due to their services not being as reliable as advertised. I subsequently later received a notice that I owed the aforementioned amount for a cancellation reason which XXXX could not specify. 

I therefore demand that the negative effect of this still being on my credit bureau be removed at once due to it effecting my eligibility in being able to qualify for a mortgage.
Product: Debt collection

XXXX XXXX or John Gibson Auto- ( See attachment ) This company has placed a collection one my credit for the same account XXXX. I have tried to contact company and resolve the issue and they are refusing to resolve. The agent have also been very disrespectful and rude. I have tried to resolve and they are refusing to acknowledge the request. 

Why are they put this on my credit XXXX, and can not verify that this is me? I want this removed immediately. This has cause a delay in my house closing.
Product: Mortgage

Back in XXXX, 2015 I was checking the options to refinance my single family house mortgage of {$630000.00}. After watching the Quicken Loans TV advertising, I decided to find more information about my chances of refinancing. 
Since I begun checking the loan options with this company, starting XXXX XXXX, 2015, I was persuaded by their very persistent representative XXXX XXXX ( XXXXXXXXXXXX Phone : ( XXXX ) XXXX XXXX ), to send him my two years tax returns. After a day or two he called me back and told me that I 'm certainly qualified to begin the process. XX/XX/XXXX the process begun ( Loan : XXXX ), through which I was recklessly dragged for almost 4 months through several of QL associates, who tossed me blatantly from one to another, with repeated documents requests. They continued to extend the date for their decision, up until yesterday XXXX XXXX, after my repeated requests to find out about the loan application status, I received a totally ridiculous and irresponsible answer : QL could n't match a home loan with my current needs. 
Prior to this message, on the same day, I got another response to my question placed onMY QL online board on XXXX XXXX. The message was somewhat strange, but nevertheless different. The message notified me that all Jumbo Loans applications that were submitted after XXXX XXXX are being affected with new rules. I did n't understand how this could 've been related to me, since I begun the process XX/XX/XXXX. At the end of the same day I got an email from the same gentlemen, I begun the process with - XXXX XXXX, with the message of denial. Later I got a call from another rep with the same message, who did n't want to disclose the reasons for their decision, as well as did n't want to reveal the name of the underwriter to enable me to appeal their decision.
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to XXXX XXXX XXXXXXXX and XXXX XXXX XXXX. These inaccurate items are not only embarrassing ; they are preventing me from obtaining the credit I deserve. As you and I are both aware, there are laws that ensure that credit bureaus report only accurate credit information. It is evident that the inclusion of this inaccurate information is a mistake on either your part or the reporting creditors part. Also, I'm the XXXX filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim. It is with great concern that I insist you verify that this information is incorrect and update and repair it from my profile. Due to the damaging effects of such negative inaccurate information I must insist that this is done swiftly.
Product: Credit reporting or other personal consumer reports

When I checked my credit report, I found that some of the information was inaccurate. The 3credit bureaus are obligated to confirm these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting items as unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated into and corrected : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

My paycheck is deposited to my checking account at BBVA every XXXX and last day of the month. XX/XX/2018 fell on a banking holiday so BBVA elected, without notice to me, to withhold my pay until the following day. 

Due to financial commitments, I needed to access my money on the XXXX so I made 3 transactions that day. One was a cash withdrawal from an ATM and I was not given notice of overdraft when the funds were released from the ATM - as is typically noted if an overdraft will occur.

BBVA did not process my paycheck until XX/XX/XXXX. They then proceeded to charge NSF fees 3 times for the 3 transactions the day before. 

I continued using my checking account as necessary and had not spent more than my available funds - IF the bank had not delayed my payroll and applied NSF fees when they should not have. The balance continued to snowball and they applied more NSF. 

I contacted BBVA through their website and all I get are generic form letters in return advising of their overdraft policy. The problem of them withholding my pay, without permission or notification, was never addressed. 

Getting nowhere with the bank I filed a complaint with XXXX. A total of {$290.00} in NSF fees had been applied to my account between XX/XX/18 and XX/XX/18. Through XXXX the bank agreed to refund {$110.00}. They stated my employer advised to hold my pay until after the holiday so they were not going to refund the remainder of the fees. I verified with my employer that this was not true and I provided BBVA with proof of this. The funds were processed for distribution on XX/XX/XXXX. My co-workers received their pay on XX/XX/XXXX. Not only did I present BBVA with proof of the payroll process date, I highly doubt my employer ( a large corporation ) instructed pay to be distributed on time to all employees, except me. I believe BBVA uses this deceitful tactic to apply fees unlawfully. 

They still declined to make it right. 

Attachments here include : Confirmation from payroll on XX/XX/18 processing Balance of my account had the transactions processed properly
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Checking or savings account

I HAVE 5 PAYMENTS THAT WAS PAID THROUGH MY NAVY FEDERAL ACCOUNT. THIS WAS PAID THROUGH BILL PAY WHICH I RECENTLY FOUND OUT IS A THIRD PARTY VENDOR. I'VE REQUESTED FRONT AND BACK OF THE CHECKS THAT WERE PAID, CASH AND NOT APPLIED TO THE CORRECT ACCOUNT. I HAVE REQUESTED THIS INFORMATION FROM NAVY FEDERAL 'S ( ADVANCED DIGITAL DEPT ). I HAVE NOT RECEIVED THIS AND THE PAYMENTS THAT I'VE MADE HAS NEVER BEEN CREDITED TO MY XXXX XXXX  ACCOUNT FORMALLY KNOW AS XXXX XXXX XXXX ( XXXX XXXX ). THIS HAS AFFECTED MY CREDIT AND MY ACCOUNT HAS BEEN CLOSED.
Product: Mortgage

Working on HSBC re-fin. Ask us to buy additional XXXX insurance to cover further improvements and betterments that DO NOT even exist. 
First, according to XXXX rule, XXXX does not require XXXX insurance when master EOI is covered all. Our master EOI confirmed the developer had the CC & Rs written as such so that the XXXX requirement would be waived by lenders when first selling the units. Master EOI confirmed upgrades, betterments and improvements provided by the developer to the original unit owner are covered by the XXXX per CC & Rs. As I noted below, developer had CC & Rs drafted as such to waive the XXXX requirement of lenders for the first unit owners. Any further upgrades, betterments & improvements that may be done - ie. later by unit owner - are NOT covered. HSBC underwriter asked us to provide the CC & R statement and we did and now HSBC underwriter ignored this CC & R policy. 
There is no further improvement and betterments in our property. Hence, there is no reason to buy XXXX policy to insure improvements and betterments that DO NOT even exist. I spoke to the loan processor and HSBC loan processor argues their policy to cover " FUTURE improvements and betterments. '' I believe the XXXX policy is covered the current items not future items or any non-existing items. 
Note : HSBC has settlement in Massachusetts with Homeowners - Once a homeowner shows proof he has other insurance coverage on his house, the force-placed insurance should be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX I am filing this complaint due to numerous things I found own my credit report that were passed the statute of limitations that negative accounts are allowed to stay on credit report, and accounts within accurate information being reported on my credit report that is harming my scores are just not accurate. 

I am requesting these accounts and hard inquiries be removed immediately. I did further research to see how these accounts was reported on my credit report without me opening these accounts. Based off Fair Credit Act all credit bureaus must be accurate with reporting to all 3 bureaus. In Accordance Fair Credit Act these companies listed has violated my rights. 15 U.S.C. 1581 Section 602 A states I have a right to privacy. 
15 U.S.C 1681 604 A Section states. It also states that a XXXX XXXX can not furnish an account without my written consent. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX XXXX XXXX Date XXXX : XX/XX/XXXX. These accounts are passed the statute of limitations which is 7 years a negative account can stay on your credit report based off Fair Credit Act. All of these accounts listed above are well passed the statute of limitation dates. Therefore, these accounts should have already been removed from all three-credit bureaus Transunion, XXXX, and XXXX. 

These accounts are report in accuracies on all three credit bureaus. I never opened an account with these companies, never signed an agreement to open an account with any of these accounts. 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 XXXXXXXX XX/XX/XXXX These inquiries were not authorized to appear on my credit report, I did not apply, nor did I sign any documentation for any credit with these companies listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have attached a clear copy of my credit report. You will see all of the in accuracies highlighted in green on my credit report. You will see that they're not reporting with accuracy on all three credit bureaus. I have also attached my Georgia License, and clear copy of my social security card.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I have a complaint against EWS early warning services. This consumer agency has cause me huge amount of stress and financial hardship. This highly upsetting. Theyre reporting incorrect information, refuse to remove it and how the XXXX information is creating problems with my banking institution XXXX XXXX XXXX XXXX XXXX XXXX. I want justice for frivolous actions that EWS is doing. This been a going on since XXXX of 2020. I have provided them everything include evidence of EWS and Key Bank errors and misreporting.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information 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
Product: Credit reporting

I used the annual credit report site, entered all required data, Experian and XXXX both said they could not confirm identity, did not even offer an chance to access XXXX, and there were no options to find out why they could not confirm identity, the only option was to back out and then wait a year to try again. I used the phone to request the reports and they needed less info than online, but said it would take 3 weeks before I got it when I needed it for a legal matter right now. All I can say is that this site is about as useful as your other one, the 'Do Not Call Registry ', and that is sarcasm, not praise.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE TO CEASE AND DESIST XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Shall remove the listed fraudulent and misleading accounts below from my consumer report. Reporting these account and attempting to collect on these accounts is fraudulent, and is a violation of 15 USC 1692j It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in aconsumerthat a person other than thecreditorof suchconsumeris participating in the collection of or in an attempt to collect adebtsuchconsumerallegedly owes suchcreditor, when in fact such person is not so participating. I believe XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Understand the accounts they reported to my consumer report using my Personal information was reported to create a false belief that I have an obligation to XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You have XXXX business days after receipt of this Notice to block all of the fraudulent accounts furnished to consumer reporting agencies using my Personal information. Secondly you are also in violation of 15 USC Code 1692D ( 1 ) The advertisement for sale of anydebtto coerce payment of thedebt by sending the letter dated XX/XX/2022 ( see exhibit A ) and you a also violated 15 USC Code 1692D ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. I herby order you to cease and desist from attempting to collect these fraudulent accounts and cease all communication directly or indirectly through any medium including Consumer reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found out these accounts does not belong to me and I didn't authorize them to my account until I called XXXX and they refer me to this website to file my complain, Name : XXXX XXXX XXXX  Date : XX/XX/2022, Name : XXXX XXXX XXXX date : XX/XX/2022, Name : XXXX XXXX, XXXX XXXX date : XX/XX/2022, Name : XXXX XXXX XXXX XXXX date : XX/XX/2022, Name : XXXX XXXX XXXX date : XX/XX/2022, Name : XXXX XXXXXXXX XXXX  date : XX/XX/2022, Name XXXX XXXX  date : XX/XX/2022, Name : XXXX XXXX XX/XX/2022, Name : XXXX XXXX XX/XX/2022 and Name : XXXX date XX/XX/2022, These are the incorrect information I found on my credit report from myannualcreditreport.com
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, especially in 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 lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has neglected to protect consumers and 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: Checking or savings account

capital one has stolen my money. they are is keeping my money without my permission to do so. ive asked them numerous times to release my money to me and explained that your renter. credit card company, car notes, phone bill, electricity bills WILL NOT WAIT until CAPITAL ONE DECIDES TO RELEASE MY MONEY. my money needs to be released to me asap
Product: Credit reporting or other personal consumer reports

These Inquiries & Accounts are incorrect since i do not recognize them, please investigate them and delete them : Account : XXXX XXXX XXXXXXXX Account number : XXXX Balance : {$120.00} Date opened : XX/XX/year> Inquiries : 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