23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a bill from Debt Recovery Solutions LLC for {$370.00}. The Original Creditor is XXXX XXXX Hospital. I 've never been a patient with them, however I called the hospital to see if there was any record of me and there was nothing. I called the Debt Collection company and told them I would not pay because their information was invalid, and that I researched the issue with the original creditor. The woman stated that the Hospital would no longer have my info, which is not accurate. There would have to be a date of service, and proof that I was a patient there however the hospital was unable to find anything with my name or DOB. The hospital billing dept have also never heard of this company. I feel this bill was fraudulent and they are trying to steal money from people.
Product: Payday loan, title loan, or personal loan

This lender is not working with me for this fraudulent
Product: Consumer Loan

Car was repossessed and was sold at a much lower amount and I 'm asked to pay the balance which should be much lower. Credit Acceptance charged a high interest rate for an older model car which ballooned the price of car.
Product: Credit reporting, credit repair services, or other personal consumer reports

equifax has an account on my credit report that is not mine. 
XXXX XXXX XXXX not mine
Product: Credit reporting or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$14000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The branch manager XXXX XXXX at XXXX XXXX in XXXX, TX has fraudulently opened a second loan without my consent or approval knowing I was a victim of identity theft after providing a police report. The loan company XXXX XXXX in XXXX, TX and their banking institution XXXX XXXX XXXX XXXX, TX have made me, the victim, responsible for XXXX XXXX  passing through a check under double presentment which was originally issued for a loan- from XX/XX/2021 in the amount of {$800.00} and mobile deposited in my credit union.
Product: Debt collection

I am XXXX XXXX and have attached proof. My health hasnt been good over the last years and my identity was stolen several years ago. In addition to false pretenses and mailbox theft and credit card theft, I was impersonated. I filed a sheriffs report and identity theft with FTC. 
I filed a CFPB complaint against Chase in 2018. Life got in the way to give feedback. 
Companys interim response on report reflects Chase tried to contact me on a number XXXX when my phone number and other contact info was listed on report.?? The number was used on several fraudulent transactions and I do not understand how and where they received this number. 
Chases position simply states fraud was denied after I filed sheriff 's report and FTC identity theft report
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I received an international wire transfer of XXXX XXXX which based on the market rate that day ( XXXX ), I should have received {$7100.00}. Chase processed the transaction for {$6900.00} ( meaning an implied rate of XXXX ). The difference of {$210.00} is in Chase 's favor. Nowhere on their website ( or in meeting with bank officials ) did they communicate they would " accept foreign currency at a lower rate. ''
Product: Checking or savings account

Investment fraud + deception hinged on " Promotional Investment ''. ( XXXX incentive ) A check for a 90-day minimum investment amount ( XXXX ) was cashed on XXXX by the banking institution ( Goldman Sachs MARCUS ) . The check was submitted to the address provided by the bank. They couldn't corroborate receiving the funds despite bank 'roller ' numbers on the back of the check and deposit tracking numbers are indicative.. ( The bank clearly deposited the funds, It required nearly three months for the institution to track where " they '' deposited the funds. ) In the interim it took : 18+ hours of phone calls, 17 different customer service reps in 3 US states, 4 escalation reps, 5 supervisors, 4 fraud dept. specialists to net a {$25.00} XXXX XXXX  ( The bank re-opened the account on their own volition ) and during the entire period " promises '' that the ( XXXX ) promotional incentive deposit would be executed providing the funds were not withdrawn. 
At day ( 90 ) I requested the account be closed and funds returned. The bank said another 14-days would be required. On days ( 104 ) I REQUESTED the account be closed and they informed me " you didn't meet the deposit 'deadline ' of XXXX. We are not honoring the promotion deposit ( XXXX ). Then they indicated the issue was 'under revue '. We waited another ( 5 ) weeks and were informed that they notified me : " we are not compensating you the promotional ( XXXX ) incentive. They also ( Falsely ) stated : " we informed '' you of this. Cleary the latter " Informed '' is less than forthright.
Product: Checking or savings account

I am a managing member of an LLC ( LLC ) which was appointed by the Circuit Court of the State of Oregon as successor trustee on behalf of a Special Needs Trust after the previous trustee resigned and the alternate trustee declined. Wells Fargo Bank held the trust funds in a checking account. Therefore, we attempted to close the account and open another account under the authority of LLC as successor trustee. All documents requested by Wells Fargo Bank were submitted including a certified copy of a Limited Judgment Appointing VLFS successor trustee, Certification of Trust, Resignation of former trustee, Declination of alternate trustee, Acceptance of LLC as successor trustee and Letters of Incumbancy. We met with the bank manager twice spending over an hour or so each time without success in closing out the account. 

In the meantime, LLC communicated to bank the beneficiary needed funds for food and housing desperately which was ignored. 

Over the course of a few weeks, without any release of funds to LLC, LLC in a despite attempt to marshal assets, reached out to the previous trustee to attempt to close out the account at Wells Fargo Bank at another branch. The previous trustee was able to do so quickly without any questions asked despite paperwork provided to Wells Fargo Bank by LLC indicating she had resigned and another trustee ( LLC ) was appointed. 

We find Wells Fargo Bank violated fair consumer trade laws by refusing to release funds to LLC as Successor Trustee in a timely fashion without a proper explanation and releasing funds to a non-authorized party.
Product: Debt collection

Debt paid in full to original account holder on XX/XX/21, conf # XXXX. Original account holder agreed to remove the debt from my credit report after the payment was made in full. I have filed several disputes and the agency is refusing to honor the account holders agreement of removal after payment.
Product: Credit card

I have credit cards for retailers issued through Synchrony Bank. The cards in question had {$0.00} balances and no late payments. Synchrony took it upon themselves to close XXXX of the accounts and lowered the credit limit on the other. This has really hurt my credit through the credit reporting bureaus.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Second Request for Investigation and Immediate Correction Account # XXXX Dear CFPB, This is my second request regarding the inaccurate reporting of late payments on my Experian credit report for account # XXXX. My original dispute was submitted on XX/XX/year>, yet no corrective action has been taken. This constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ).

Details of the Dispute The account shows 30-day, 60-day, and 90-day late payments for the months of XXXX, XXXX, and XX/XX/year>. These inaccuracies are unfounded and are harming my credit standing. 
Legal Citations Under 15 USC 1681e ( b ), you are required to ensure the maximum possible accuracy of all information included in a consumer report.

Under 15 USC 1681i ( a ) ( 7 ), I am entitled to a clear description of the investigation procedures you followed to verify this information.

Provided Documentation To assist in resolving this dispute, I have included : Government-issued ID Social Security Number Address verification Credit report containing the inaccurate entries Demands Correct or delete the inaccurate late payments immediately and update the account status to : " Paid As Agreed, Never Late. '' Provide me with a detailed description of the investigation and the evidence used to verify these late payments.

Respond within 30 days as required by federal law.

Your failure to correct this issue in a timely manner will result in a formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ), as well as legal action for damages caused by these inaccuracies. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

I received a call from a guy that started screaming and asking for a person. I asked who are you and he said that he will take legal action on me. This led me to believe he was a lawyer or law enforcement. I am a XXXX veteran and this has caused me emotional stress. He was very aggressive. After I filed a complaint on XXXX  asking him not to contact me he replied to the XXXX  saying that I was a fool and was more insulting. I thought this was a prank because I could not believe a so called company would act like this. I had to XXXX the phone number and found out it was internal credit systems inc owned by XXXX XXXX. I hope something can be done about this because I was equally shocked on how much lawsuits they were in and/or are facing.
Product: Debt collection

Equifax has XXXX XXXX XXXX on my credit file and I don't owe or had any loan or debt with this company and have nor ever received any letter or nothing from this XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC, XXXX You are in Direct Violation of The Fair Credit Reporting Act, ( XXXX XXXX XXXX XXXX XXXX XXXX, acct number XXXX, dates XXXX ), has violated several of my rights. 
15 U.S.C 1681 section 602.A. Clearly states that 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 16668 : A creditor may not treat a payment on an open-end consumer credit plan as late for any purpose. 
Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act
Product: Credit reporting

They are still reporting my lates with XXXX XXXX, and the account should not be listed in dispute
Product: Credit reporting or other personal consumer reports

I HAVE SENT SEVERAL LETTERS SINCE 2022 FOR INQURIES THAT ARE ON MY CREDIT REPORT FROM TRANSUNION. AND ALSO THIS YEAR FOR COMPASS LEASE XXXX, XXXX XXXX XXXX XXXX XXXX .I HAVE YET TO GET A RESPONSE .THIS HAS COSTED A GREAT DEAL OF STRESS IN MY LIFE, AS WELL AS A HINDERANCE TO MY LIVELYHOOD. I HAVE BEEN TRYING TO BUY A HOME. I HAVE LOST JOB OPPORTUNIES AND MUCH MORE. THIS IS A DEFLAMATION OF MY CHARACTER AND AGAINST THE LAW. 
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It states a consumer reporting agency cannc furnish a account without my written instructions. XXXX 15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for purpose.

in accordance with the Fair Credit Act Reporting Act. this creditor has violated my rights under 16 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 SECTION 6 O 4 A SECTION 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 166B a credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose In accordance with the fair credit Reporting act XX/XX/XXXXAccount # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It states a consumer reporting agency cannc furnish a account without my written instructions. XXXX 15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for purpose. 
in accordance with the Fair Credit Act Reporting Act. this creditor has violated my rights under 16 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 SECTION 6 O 4 A SECTION 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 166B a credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Sent from XXXX Mail for XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX a consumer report with information furnished by XXXX was disputed. XXXX expressed that they would contact the companies reporting the information and instructed them to review and verify the accuracy of the information, provide a response and update their records / system as necessary. Based on the response from the companies XXXX deleted some but not all of the disputed information leaving alleged certified information determined by the companies furnished on the consumer report despite the verification/ certification from the consumer. XX/XX/XXXX another consumer report was investigated with finding of disputed and inaccurate information furnished on the report which has caused damages to the consumers financial reputation and credit worthiness. The consumer was denied credit extension for family and household purposes due to the inaccurate furnishing.
Product: Credit reporting, credit repair services, or other personal consumer reports

These information should not be included in my report since I did not make them. I meet the standards for Block and Remove information on my credit report under 15 USC 1681c-2.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information 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 not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$2400.00} ; ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXXBalance : {$850.00} ; XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$1100.00} ; XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$210.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXXBalance : {$360.00} ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

On XX/XX/XXXX I became aware, via a credit check inquiry, that my mortgage was over 180 days past due totaling {$4100.00} XX/XX/XXXX, I was informed by the previous lender, XXXX XXXX, that my mortgage was transferred to a new lender, Specialized Loan Servicing, in XX/XX/XXXX. However I never received notification from the previous or current lender that the mortgage was transferred. I still have not received a bill or statement from the current lender. 

I phoned the current lender and they didn't have my correct email, phone number or mailing address. They told me the previous company gave them my incorrect contact information. 

I owe over {$4000.00} in back payments and my credit score has taken a huge hit.
Product: Payday loan, title loan, or personal loan

i took out a loan from them. i gave all my monthly payments. onXX/XX/XXXX i get an email telling me that the loan was paid off. ( see the attached document ) after that about a month later i get an email saying that i owe them for a payment that was not done in XX/XX/XXXX. i called in and i told them that they never told me that that there was a payment missing. 
i told them that i have in writting that states that the loan was paid off. 
i requested to speak with someone and was transferred to a " complaint voicemail and never heard back. 
about 2 weeks ago, my account overdrafted because they charged a check for the apyment that they state was never made. 
however i never heard back from my complaint and they never told me that they would charge my account. 
the check that they made to charge my account is also attached. 
it is not my fault that they failed to complete their process.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's 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 not feasible. The CFPB 's 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 card

XXXX XXXX XXXX XXXX. Shortly after, I noticed a charge for {$16000.00} for a XXXX XXXX on my Chase Sapphire Reserve credit card. I did not make this charge. I reported the fraud and received notice from Chase on XX/XX/year> that there would be an investigation. On XX/XX/year>, I received notice from chase that states that I was responsible for paying the amount. When I called Chase to ask what was going on, I was told that the purchase was made online with my IP address. I never authorized this charge. I have a trip to XXXX coming up but XXXX XXXX XXXX XXXX XXXX XXXX. This merchant is not familiar to me and I believe the information was leaked online as I make online purchases frequently. I also have my credit card information saved on XXXX XXXX which is accessible via my laptop. I have since replaced my credit card. My old credit card has been mailed back to chase for destruction. The Chase representatives I spoke to on XX/XX/year> told me I would receive a phone call to discuss the claim within 4 days. It is now XX/XX/year> and nobody has called me to discuss anything. I pay all my credit card statements on time. My many years with Chase should provide a clear history of the type of reliable consumer I am. I have a consistent income and do not overspend.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX refuse to remove fraudulent accounts from my credit report. I have reported this to no avail. They are in violation of the FCRA.
Product: Credit card or prepaid card

my social security number was used to apply for credit that was not mines these cards do not belong to me this is identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

CRA VIOLATION / NO KWOWLEDGE OF THE ACCOUNT.
Product: Debt collection

I returned a product. The company said that it was not returned before the billing period processed so I was charged for it and accessed a late fee. They said if I just paid a certain amount that day it would be put completely to XXXX. This has happened every two months. I have paid almost 100 dollars for something I returned. They claim they can't take off late fees, they can't fixed the billing periods, etc. It seems to be a scam. They have reported my account to the credit agencies and now my credit is ruined for 7 years. The mistake is theirs.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX  and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following 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 Incorrect Address - XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, AZ, XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ, XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX  - XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX IncorrectPersonal XXXX XXXX XXXX XXXX XXXX  - IncorrectPersonal XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting act XXXX Account XXXX XXXX XXXX and XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Payday loan, title loan, or personal loan

Good afternoon, I took out a loan from XXXX  XXXX to finance my solar panels and solar battery. They used Sunlight Financial who uses XXXX XXXX XXXX  to originate the loan and then transferred the loan over to XXXX XXXX  XXXX. The issue is that I am being charged unearned fees in interest for an APR of 3.49 % when the loan agreement I signed the APR is 2.99 % with ACH withdrawals as a discount. I have contacted SunlightFinancialXXXX every month for the past 3-4 months to let them know the payment amount they listed to pull from my account and are currently pulling from my account is overstated at {$160.00} when I am only supposed to be paying {$150.00}. They have updated the APR on the later statements but are still charging me a higher monthly payment on unearned fees. I have reached out several times and this has still not been resolved. What I would like as a resolution would be my next ACH payment on XX/XX/2022 to be drafted correctly for the correct payment amount & this remark to remain on their record so that they dont display this negligence again with either myself or other consumers.