23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate information on my credit report under my rights provided by the Fair Credit Reporting Act ( FCRA ) .The specific entry I am disputing is a bankruptcy filing that appears on my report. The date filed, reference number, closing date, and name of the court are being reported inaccurately across each credit bureau. I have attached documentation outlining these errors as well. I've also received a letter from the bankruptcy court clearly stating that they do not report or verify any information directly with any credit reporting agencies. I have attached that document as well. I have disputed this inaccurate information with XXXX, XXXX and Experian. Unfortunately, there has been no resolution. I have verified that the information reported is incorrect and request that it be investigated and removed promptly.
Product: Checking or savings account

This is simply a follow up to case XXXX XXXXXXXX. I wrote to XXXX at the XXXX asking why the stop payment was applied. She said it was an old stop payment. I corrected her, pointing out that it arrived after I provided my new address. The previous stop payment ran out on XX/XX/XXXX & this cheque was written on XX/XX/XXXX. There was no reason for a stop payment, other than with holding my money. 
This is the XXXX stop payment & each time they wait XXXX  days before issuing a new cheque. 
I now have nearly {$300.00} in phone bills & countless hours attempting to get my money since early XXXX. I still dont have it & I feel I should be compensated. 

Thank you for any help, XXXX XXXX All information can be found in XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Here again with yet another account that is closed and was paid in full, but XXXX has just reported that in XX/XX/2021, the account is 60 days late. This account was closed and paid in full in XX/XX/2021. This account should no longer be receiving any updated information. Its CLOSED!!! Please correct this erroneous error immediately. Thank you
Product: Debt collection

We were billed erroneously by LexisNexis in XX/XX/XXXX. Pursuant to our service agreement I sent notification in XXXX XXXX that we would be ending our service as of XX/XX/XXXX. When we were billed in XXXX of XXXX I tried to explain that we should not have been billed because we canceled our services. LexisNexis assured me that this was taken care of but for reasons unknown to me the account was moved to XXXX XXXX XXXX, a collection agency. They are trying to collect {$1800.00} and I asked them validate the debt. They sent the XXXX and XXXX invoices in an attempt to collect the wrong amount.
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint regarding Experians failure to update my address on my credit report, which has led to significant challenges in accessing my credit report and scores. Despite my multiple efforts to resolve this issue, Experian has not corrected my address or restored my access to my updated credit report and scores as part of my premium membership. On XX/XX/year>, I began attempting to have my correct address updated on my credit report. However, Experian has not made the necessary corrections despite my repeated communications and submissions of relevant documentation. My address has been removed from my credit report, leaving no active address listed. Due to this issue, I have been unable to access my credit report and credit scores, which are critical to monitoring and managing my financial wellbeing. 
I hold a premium membership with Experian, and this lack of access is a violation of the services promised under this subscription. I have diligently followed all steps required by Experian, including submitting proof of my identity and address. However, no resolution has been provided to date. The delay is causing undue stress and preventing me from effectively managing my credit. I am requesting Experian to Update my address on my credit report to reflect the correct and current information, Restore my access to my credit report and scores under my premium membership. Provide a written explanation detailing the reason for the delay and the steps Experian is taking to prevent such issues in the future. I have attached documentation for proof of identity and proof of address to support this complaint. I trust that the CFPB will assist in expediting this matter and ensuring that Experian fulfills its obligations promptly. Please confirm receipt of this complaint and advise on the next steps. 

Thank you for your attention to this matter. I look forward to a swift resolution.
Product: Mortgage

Hello there - This is regarding refinancing my 30 Years conventional fixed Mortgage from quicken loan to XXXX. The closing date, we decided with XXXX was XX/XX/XXXX and disbursement date was XX/XX/XXXX. Everyone was on track including new lender ( XXXX ), me and Title company ( XXXX XXXX ). XXXX disburse ( thru wire XXXX the amount per Pay off + 5 Days more interest on XX/XX/XXXX to quicken loan. Somehow they ( XXXX XXXX ) wired the fund to Quicken crossed the federal cut off time and quicken received the funds on next business day, Monday, the XX/XX/XXXX. 

Quicken charged 3 days ( For XX/XX/XXXX & XXXX ) additional interest one the top of Pay off which we received initially. Being a consumer, I am ending up paying double interest to quicken as well as XXXX ( For XXXX XXXX ) despite being on time from my end. 

I feel quicken shouldn't be taking 3 additional days interest as Title company ( XXXX XXXX ) already initiated wire on disbursement date ( XX/XX/XXXX ) hence I tried resolving with them directly, they said they will not revert the interest for these 3 additional days. Similarly, XXXX already taken 3 days interest for the same period through pre-paid and they are saying that I should reach out to quicken to get my interest refunded for XX/XX/XXXX thru XX/XX/XXXX. 

I do have all the evidence ( such as emails, chats ) that I tried with quicken and it is not resolved yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized accounts on my credit report by all three Credit Bureaus ( XXXX, XXXX, Experian ) XXXX XXXX  XX/XX/XXXX, XXXX, XXXX/XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  /XXXX  XXXX XX/XX/XXXX. Which violates Section 604 of the Fair Credit Reporting Act ( FCRA ) sets forth requirements, called " permissible purposes, '' that must be met before anyone can inquire a credit file. A few of the most common permissible purposes are : In accordance with the written instructions of the consumer to whom it relates.
Product: Credit card or prepaid card

During XXXX XXXX of 2016, two obviously related companies each sent my XXXX year old daughter ( who looks XXXX ) a {$5.00} tube of Anti-Aging Cream, which she had never ordered. Each company then charged my wife 's credit card about {$100.00}. I phoned both companies and they both indicated that they had no record of my wife or daughter in their files ( making it impossible for me to cancel an order if one had actually been placed ). I phoned Citi Bank and told them of this fraudulent activity. ( The woman I spoke with on that first phone call told me she was aware of these two companies and had received similar complaints about them in the past. ) I asked that these charges be removed and that no further charges be accepted on my card from those two companies. The following month, each company charged an additional {$200.00}, and a few weeks later, {$200.00} more was charged for a grand total of about {$600.00}. I inadvertently paid {$400.00} of those charges when I was paying a credit card bill in a hurry without reviewing all of the charges that were on it. The final {$200.00} I did not pay. I have been corresponding with Citi Bank since the first {$200.00} was charged to my card, and I have even sent two letters to the CEO of Citi Bank. She refuses to have these charges removed ( even though Citi Bank advertises that " you will never have to pay for charges you did not authorize '', and claims that {$600.00} is a reasonable amount to pay for two {$5.00} tubes of Anti-Aging Cream that were never ordered in the first place. Now, the bank is threatening to turn me over to a collection agency because I refuse to pay the final {$200.00} of these fraudulent charges.
Product: Checking or savings account

Chase doesnt want to approve my claims dispute I submitted for unauthorized transactions. But because it was made from my device they dont care! They dont care that I was scammed! They never asked if I was scammed! All they stated I made those transactions and they cant reopen the claim again. Its a done deal! 
Well I got scammed by a person that was to be an investor! I came across a video from a family member, I had seen they made a video of investment with this person named XXXX XXXX on XXXX. So, I clicked on the video and saw that my niece had invested XXXX $ and got back XXXX and I was like wow, look at all these people investing and tripping their money. So many videos people recommending this person. I inbox them how did whole thing worked and to make sure Im not falling for a scam. She told me dont worry everything is done with XXXX XXXX XXXX XXXX. I was like oh seem legit. So she had this offer if you invested XXXX $ usd ) you would get paid XXXX usd ) & in their system it would triple to like XXXX ) but in order to start I had to sent her money. XXXX XXXX didnt work. Only XXXX thru bank worked, so I sent out XXXX $ to someone named XXXX  and she made and it went thru she stated that was another employee their in the office its was 2 females on the phone. & 1 male I was transferred the whole time. Seemed so legit. Then I was put on hold for like 35 minutes and was sent transaction at 78 % and then I was transferred to a male person. Which I was on the phone for a long time over 3 hours! He then told me I need to pay XXXX was the final fee and it was for all clients and that it was an IRS FEE & the other XXXX $ was a government Fee Mandatory for all clients! Then I was like well the banks are closed I cant right now, so I made XXXX payments cause they stated i can do that. At the end they wanted to scam me with more money to cancel! Not only was scammed but 2 other family members did as well! I was the XXXX that investment more! Cause I was stupidest one from all!
Product: Debt collection

Dates are not possible to list as this has been an ongoing issue for several years. 
XXXXXXXX XXXX credit is Synchrony Bank. Some XXXX in fraudulent charges were disputed. Synchrony never provided a list of charges dispite numerous requests. Synchrony has sold the Debt to XXXX XXXX, a recovery firm. I have communicated with XXXX recently. A supervisor " XXXX '' was offered a reasonable cash settlement to just make this go away. The amount they feel they needed to recover is roughly XXXX of the XXXX in fraudulent charges. I had already paid XXXX of the fraudulent charges when the negotiations became oppressive. I already warned them if my credit was damaged by their recovery efforts without substantial proof this debt was owed, I would take action to bring suit. 
I offered " XXXX '' XXXX on XX/XX/year>. XXXX tried to make it XXXX. I'm sure he's believes he is doing his job. XXXX made no additional efforts to set up a payment plan. The call ended. 

I am looking for a source of mediation in this matter. 
The dept should have been resolved while I was still in communication with Synchrony Bank. I didn't hear anything more about it. 
It has come up again with this less than reputable recovery firm. 

Can you help me to resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice for Proof of Claim for Accounts. This complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or codebtors. 
Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt. The following items are inaccurate : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX.
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 unfeasible. 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. 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 unfeasible. 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 reporting or other personal consumer reports

XXXX XXXX  has been getting payments have bank statements to bank up what saying. On XX/XX/XXXX XXXX XXXX took out XXXX. This acount is not late applied bank took out XXXX from my bank account on XX/XX/2024 XXXX
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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.

This is violation after violation after violation. This is causing me stress because I have no hope with this system
Product: Credit reporting, credit repair services, or other personal consumer reports

Its ridiculous! I do not know what to do ... I sent couple of letters already but I am ignored. I believe I am identity theft victim because I do not recognize accounts in my credit report. They are simply not mine but because of the bad reporting or so, these items just destroyed my credit report!!! I am a XXXX XXXX XXXX and we go through difficult times now, but because of this problem I can not rely on any help from the bank. Please can you remove these accounts and inquires that I have never authorized from my profile. These accounts are nor mine and its pure identity theft.
Product: Credit card or prepaid card

I opened a business account at BB & T. In the process of opening the business account, I get an alert on my XXXX  credit monitoring that my credit was pulled. I asked the banking associate why my credit was pulled. She told me the credit was pulled soft to open the account. I told her, it was not a soft pull that i relieved a hard inquiry pull on my report. Two days later I get a second credit pull on my report. The banker says she doesn't see why it was pulled. When she did her internal investigation, she said, they did pull my credit and they were not willing to remove it. This is a terrible banking practice. Is this the same as what XXXX XXXX was doing years ago? Please investigate this immediately. The credit pulls were on XX/XX/XXXX and XX/XX/XXXX.
Product: Debt collection

The company is Messerli and Kramer, a debt collector. They took over the account I had with XXXX -- that was sent to XXXX XXXX. The original amount, according to my credit report was {$3200.00}. I paid XXXX payments of {$100.00} to Messerli/Kramer. When I called them the week of XXXX XXXX, the representative was very rude. Told me the balance was $ XXXX My payment had stopped on XXXX of 2015 -- I have written proof of payments from my Credit Union . According to the balance, they have issued unauthorized charges of interest of approximately {$1000.00}. I told the representative, XXXX, that I intended to dispute this, and he told me I coul n't dispute it. I believe that they have made unauthorized charges unfairly to my account.
Product: Mortgage

Ocwen Loan Servicing offer no support toward identity theft victims. 
I was informed by XXXX Bank that my premier checking account was compromised, several payments that came during the process were returned as NSF, which included Ocwen Mortgage. XXXX took no time to rectify the issue, however even with letters from XXXX of the identity theft, Ocwen reported me to the credit bureau as late.they refused to honor or acknowledge that my account was compromised, The argument by Ocwen representative is " this has nothing to do with Ocwen '' keep in mind that XXXX Bank did process payment to everyone that had a payment returned. Ocwen refused to acknowledge ID theft and/or work with customers through situations such as this. They are the worst Mortgage Loan Servicing Company.
Product: Mortgage

I hereby attach documentation showing that I obtained title to mt home after my wife died. I now wish to obtain a modification on the subject property where I live. I understand that the property is worth less than what is owed on it, but I will request a forbearance on a portion of the adjusted balance upon acceptance. I really need Fay Servicing to help me by submitting a loan workout representative to my case immediately. I have no desire to file for bankruptcy, and I wish to negotiate this workout immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my XXXX XXXX XXXXr and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need the help of the FTC and CFPB with resolving vague and misleading investigations carried out by Equifax. I've sent them various challenge letter over the last 120 days some of the most recent which I've included below. Equifax has several times taken more than 30 days to conduct their investigations as permitted in the FCRA. Also, they have repeatedly failed to mark several of these accounts as being under dispute when they received my dispute letters and lastly Equifax has completely failed to fix countless errors associated with these accounts as outlined in my past challenge letter attached below. I'll be filing my next consumer complaint with the FTC against these erroneous creditors listed on my credit report and against Equifax to enable them investigate these inaccurate accounts and ensure their deletions.
Product: Credit card or prepaid card

In early XXXX of XXXX, I applied for a XXXX credit card and was approved for approximately {$1200.00}. I charged on the card and paid the balance in full when the bill was received. A few months later, I received a letter from Synchrony Bank stating that based on my credit score my limit was reduced to {$250.00}. As a result of the decreased credit limit, my FICO and credit scores were negatively affected. Although I did make additional purchases from XXXX, I did not charge them to my XXXX XXXX. I knew it would decrease my credit score further because of the reduced limit. 

On XX/XX/XXXX, I received a notice from the Credit Bureau stating that Synchrony Bank has closed my account. Again, this negatively affected my credit and FICO scores. I called Synchrony and the representative I spoke with couldn't give me any information as to why the account was closed. He informed me a letter was mailed on XX/XX/XXXX and he read the letter to me. Consequently, it is the exact letter I received when my limit was reduced to {$250.00}. 

I have been working hard to get it at a good credit rating. Ironically, Synchrony closed an account due to a credit score they are responsible for lowering.