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

Between XXXX and XXXX XXXX has reported to the Department of education that I was overpaid a XXXX over payment of {$100.00} for {$5900.00} that was given to me. 

The department of education has been continuously ruining my credit over {$100.00} that they previously already been paid for in XXXX. 

However, I will disclose a bank statements from XXXX XXXX XXXX that shows exactly how much money I was paid for my student loans and my XXXX XXXX. 

There still is a dispute {$1000.00} that XXXX XXXX XXXX never credited back to me however that is in another CFPB Dispute. 


Ive only been paid {$3400.00} in XXXX XXXX  from XXXX through XXXX XXXX. 

There is a balance of {$2400.00} I was never paid.. 

So its incorrect for them to say I was paid {$5900.00} when in all action reality I was only paid {$3400.00} So my issues with US Department of education, charging me an incorrect amount of what I owe actually owe. It is because to the college, whos reported the information incorrectly.
Product: Checking or savings account

Capital One holding back my direct deposit I have no money how is this the XXXX XXXX day plus they should be fine XXXX a day that a deposit is held its not fair they will do it to us
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX added a fraudulent address to my credit report that had already been reported and removed for fraud. XXXX is also using this fraudulent address to keep fraudulent accounts on my credit report. 

Adding information to my credit that has already been removed for fraud is both negligent and fraudulent on XXXX behalf. 

XXXX stated my account was properly investigated. How is that possible if the open date is incorrect, the date last active is incorrect, the date last reported, and other data is not accurate? This is grounds for removal of the account, they also violated my rights under : 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 Also the Credit bureaus took more than 30 days to complete my investigation ( received in XXXX ), here is my certified mail tracking : XXXX - XXXX - Delivered XX/XX/XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is mistakenly reporting me late. It has been over 60-days since I have been trying to resolve this issue with no success due to XXXX XXXX XXXX  lack of correction. I recently spoke with multiple representatives at XXXX XXXX XXXX  and they all agreed with me and even stated that they had notes on file regarding this situation. I called to update my auto pay back in XXXX XXXX. The rep at the time did NOT inform me that a manual payment was required before my newly set up autopay would kick in. For this reason, I was assessed a late on my mortgage. Once I found out, I satisfied my obligation right away. I had full intent and even set up auto pay with the rep. I completely understand that it was an honest mistake by the rep but I shouldn't be punished for that mistake. I kindly ask for XXXX XXXX XXXX  to rectify the late payment XX/XX/2021.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles 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 complaint adequately. They informed me that recovering lost fund was impossible and that tracking these transactions was infeasible. The CFPBs finding indicates 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 and consumer safety.
Product: Credit reporting or other personal consumer reports

XXXX end XX/XX/XXXX. No further obligations, disputed charges of vehicle condition. XXXX is falsely showing a payment of 316 month due and lease open and a balance. Sold information to other agencies without notification or consent. They are trying to hold my credit XXXX, damaging my credit score and they are attempting to keep me obligated to a lease which was entered into in XXXX and satisfied in XXXX.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you c

an not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. "
Product: Debt collection

All XXXX  Credit bureaus have continuously allowed XXXX XXXX XXXX to report a negative collection account on my personal credit reports. XXXX XXXX XXXX has called me and harassed me over this for several years. They have refused to cease and desist with this process. The credit bureaus have constantly ignored all of my disputes and requests to block and or remove this in accurate information on my reports.
Product: Debt collection

I traded this car in in XX/XX/2015. Ive asked them to remove it off my credit report numerous times. JBByrider told me that they did remove off my credit report said the debt is paid and I dont owe them. But every month they add some new comment to my account. I would like this off my credit report because it is messing with my score and showing up as a negative item.
Product: Credit reporting or other personal consumer reports

I have several closed accounts on my XXXX credit bureaus and I would like them to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple errors on my credit report with multiple inquiries that I did not approve under my consent and multiple credit reporting 's that are falsely reported on my credit which is negatively impacting my life. 

Below are the errors : Under The Fair Credit Reporting Act ( FCRA ) I have specific rights to report these companies and request that they be removed. 

XXXX XXXX XXXX  - amount : {$940.00} ( This account I have zero knowledge of and requesting of it's removal. ) XXXX  XXXX  ( XXXX XXXX XXXX ) - amount : {$630.00} ( This account was opened falsely under my name ) XXXX XXXX XXXX - amount : {$300.00} ( This account was opened and used falsely under my name ) XXXX XXXX XXXX ( XXXX  XXXX  ) - amount : $ {$210.00} ( This account was opened and used falsely under my name ) XXXX XXXX XXXX ( XXXX ) - Amount : {$180.00} ( This account was opened and used falsely under my name ) The only account that is correct is XXXX : However my payments have been made on time and should not be listed as a collection/ late payment whatsoever so I will be disputing this error as well. 
XXXX XXXX - Amount : {$190.00} Each and all of these accounts were listed under my name and previous address XXXX XXXX XXXX XXXX XXXXXXXX FL XXXX Which I have not lived there for 7 years now. Which should blatantly tell you this is fraud. My address has been XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXX since XXXX. I have my original lease agreement to prove this. I do not know what else to do?? My name and address information have been breached from multiple companies, ( i.e. Equifax as the main one in XXXX and ever since then I have had multiple issues with credit being used in my name )
Product: Debt collection

Per my recent credit report, a collection was placed for the amount of {$82.00} on or about XX/XX/2018. Per the collection, the original lender is my XXXX office. I have never received a bill from my provider. There is no account number listed on the collection. This is not my debt.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and found accounts that are not mine. I also found inquiries that were not made from myself. I have attached the report I made with identity theft.gov. This report goes more into detail of what I am reporting.
Product: Student loan

I 've applied for XXXX 3 times. All were denied on separate criteria, in XXXX instance that in writing the reason for the second application being denied contradicts the criteria used to deny the third application. It was denied the second time because they said that I was in fact XXXX even though my NY XXXX XXXX and I work XXXX. So, I applied a third time with the information changed only to be denied on the grounds that the " official word '' is that my school is considered a XXXX. Help if you can. Nelnet is certainly not helping nor do I believe have they any intention of helping.
Product: Credit reporting or other personal consumer reports

I am a victum of identity theft. I have a number of accounts, addresses and inquiries that I do not recognize. I have filed identity theft report and a police report. Please have the accounts deleted immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX Inquiries : XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX Police report filed with XXXX Police XXXX XXXX XXXX. XXXX XXXX XXXX
Product: Debt collection

Help : i keep getting harassing letters from capital one. please make it stop
Product: Checking or savings account

Axos Bank charged me nearly 3 years of interest on a 5 years CD that had only 3 month left until full maturity. Axos Bank kicked me in the teeth when I was down and needed the money due to a family emergency during a global pandemic. I had been a loyal customer and had multiple CDs over a 10 years span and they still severely punished me. Cruel heartless Axos Bank.
Product: Checking or savings account

I took an equity line from the same bank as my mortgage. The lender stated they would post upcoming payments for both on the account as an alert. Only my mortgage posts and not the equity line. They state they are continuing to work on this. Months later still no resolution and they have taken fees for insufficent funds when funds have been available.
Product: Mortgage

Around XXXX of XXXX, M & T Bank failed to pay my homeowners insurance that has been escrowed since XXXX. This is not the first year this has happened. Subsequently, I was the last person to find out when I received a notice that my mortgage payment was going up hundreds of dollars due to an escrow shortage. If you login to the mortgage payment portal, finding exact details of your escrow account is very difficult in that it does not show a running balance with credits and debits. I contacted customer service for days and spent hours arguing with supposed customer service employees who insisted because I didn't provide homeowners insurance, lender imposed insurance was applied to the tune of three times the cost of my actual homeowners insurance, which had never lapsed and had been paid! After wasting hours of my life debating what should have been the obvious, with an accessible person at M & T bank becoming available with the authority to correct the errors and update my escrow balance accordingly, I was told my credit would be affected if I chose not to pay the highly increased mortgage payment while they went thru the process up updating my information and verifying that in fact they owed this refund and figured out all of their mistakes. This has continued going on for months now with one excuse after another and AT MY EXPENSE AND I AM TIRED OF BEING PUSHED ASIDE AND MY FINANCIAL BURDENS OR THOSE OF ANYONE BEING FORCED TO PAY MORE OR INCUR MARKS AGAINST MY PERFECT CREDIT, IS SURELY CRIMINAL BEHAVIOR? WHY SHOULD I CONTINUE TO PAY FOR THEIR ERRORS, THEIR LACK OF COMMUNICATION WITHIN THEIR OWN ESTABLISHMENT AND THEIR LACK OF CONCERN FOR THE BURDENS THEY ARE CAUSING MY FAMILY AND I? Why do I have to continue calling them and being transferred to endless departments and half of the time non English speaking individuals who do not grasp the severity of this problem and how federal regulations protect all of us as basic standards of lending practices to not allow these types of scenarios to happen and then also continue to be the burden of the customer who has done nothing wrong?! They have still not updated my escrow account balance! They will do the same thing again and again increase my payment of not fault of my own even after I have went so far as to host conference calls between my insurance agent and their insurance department and it is all part of record, yet the numbers are never corrected and my question remains, what if they do this to 100 people? to 1000 people? where is our money and who is benefitting from having it in the wrong accounts for months on end accidentally???? XXXX! I want this entire bank investigated. It appears that they assume a small town Kentucky woman would not stand up to them or question these practices, but they were sadly mistaken! Please address this asap! I can not continue to pay inflated mortgage payments based on a false escrow shortage and the refunds that WERE issued only because of all of my work are still not reflected in my escrow balance as of today and the refunds happened finally in XXXX, XXXX!
Product: Credit reporting or other personal consumer reports

I am having an issue getting my free annual credit and consumer report from Chex Systems and XXXX XXXX XXXX. I want Chex Systems and XXXX XXXX XXXX to mail me a copy of my free annual credit report. Full Name : XXXX XXXX, XXXX : XX/XX/XXXX, XXXX : XXXXXXXX XXXX  Drivers License Number : XXXX, Issued Date : XX/XX/XXXX, Expiration Date : XX/XX/XXXX, Email Address : XXXX, Phone Number : ( XXXX ) XXXX
Product: Credit card

I had made XXXX large payments toward my credit card with Citibank. Both payments have cleared my financial institution and right now XXXX is showing on my Citibank app as being applied. Citibank is telling me that it will take up to XXXX weeks for my credit card to be available for use, meanwhile, the payments cleared my bank and also Citibank cleared XXXX of the payments. Therefore, it should not take XXXX weeks for me to be able to use my credit card since I have available funds. When I call they said to me this was their procedure, and I have never had a credit card withhold credit availability after making a large payment, and I don't believe that this is an appropriate practice.
Product: Checking or savings account

Someone named XXXX called and told me she was from Chase Bank and they had noticed suspicious activity on my account from my debit card. She talked to me for a while, and knew my debit card number, address, etc, she told the information to me, she did not ask me to give the information, just the way Chase has done in the past when I have called them for something. 
The charges were to XXXX in Florida there were around 22 debits for {$100.00} each transaction. XXXX said that XXXX XXXX  would bring me a new card by XXXX the following morning, and that they were going to try to catch the people using the card, and they would freeze my accounts. She kept telling me not to worry. I believed her. I checked my checking account a couple of hours later, and saw that there had been no hold put on my account, so I put a lock on it. I had around {$900.00} The next day, XXXX XXXX did not come, and I decided to call XXXX at the number she had called me from. The man that answered said that it is XXXX XXXX. I told him that XXXX had called me from the number that I called and he said she wasn't in. I asked if she works there, and he would never say. I asked what affiliation they have with Chase, and he assured me there is no affiliation. I asked why XXXX XXXX would have my checking and Debit information, and he said he knew of no reason why. 
I called Chase after I hung up, and they didn't know anything about my debit card being illegally used the day before and that there was no record of a XXXX calling me. They told me it would take 10 days. 
All of this happened while the whole country is in lock down, and there is no possible way that I was in Florida when this happened. 
Today, XX/XX/2020, I received communication from Chase through online letter held at the bank, that they have put my account back like it was, but that I can not access the {$900.00} for my bills or any other reason, I have attached the communication, they said that my account is closed and I can not get the direct deposits of Supplemental Security Income checks that the joint owner of the accounts, has coming in every month. My house payment is automatically paid every month through that account, and it won't be paid either. They don't say anything about opening a new account. What am I supposed to do?
Product: Credit reporting, credit repair services, or other personal consumer reports

Request to provide document I sent your company my dispute on XX/XX/2022, which you received and investigated on. I have reason to believe that you conducted a reasonable investigation. therefore, I am invoking the Fair Credit Reporting Act Section 611 to ask that you provide me with the following information : 1. The date you contacted the creditor.

2. The contact information for the creditor.

3. The name of the person who verified the item to you.

4. The method of communication you used to verify this information.

5. Did the creditor provide you with my SSN, address, and Date of Birth?. 
I am allowing you 30 days to complete this investigation after which I authorize you to mail me my updated credit reports along with the investigation results
Product: Checking or savings account

On XX/XX/year>, I used a local Bank of America ATM XXXX XXXX XXXX XXXX XXXX XXXX Texas. I attempted to deposit {$4700.00}. The machine calculated the first {$1400.00} but then gave an error after I tried making the deposit in sections. After I attempted to deposit the additional cash, I received an error that I could deposit up to XXXX bills per transaction. I then selected the option to return the cash, but it returned the money minus {$2000.00}, causing me significant frustration, including the lives of XXXX XXXX XXXX later the same day as filing claim XXXX. 
Without the funds, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I called the number while in the drive-through, only to be directed to Bank Of America XXXX which was closed. I called again on Monday Morning, filed a claim, and was informed I would receive a temporary Credit for the funds within 24-48 Hours, The Credit Never appeared, I called Wednesday XXXX XXXX to be told I had to wait 10 business days according to their Rules and regualation, but they would escalate this issue and a supervisor would call back. To date, operations are suffering, and Bank of America has caused Irrabpable damages and loss of the company working stud animals for the Business
Product: Credit reporting or other personal consumer reports

Kindly block and remove the unauthorized accounts from my credit report as soon as possible. I did not open or authorize these accounts, and I have no knowledge of their origin. In compliance with XXXX XXXX, I am requesting their removal within XXXX  days. Attached are the relevant documents for your review and reference.
Product: Checking or savings account

I have a checking and saving account opened in the XXXX, XXXX, PA area PNC bank. I no longer live in the area but do transfer from time to time to make my account active. 

However, when I am trying to log on my account on XX/XX/XXXX, I found out that my account was closed. I called the bank and they said that it is due to inactivity. They did more research and cal me on XX/XX/XXXX and said that online transfer does not count as activity, so my account is escheated to the state of Pennsylvania. They claimed that were trying to reach me couple time later but I have never receive any mail, call nor email. Also, when I open my account, the representative never told me that the online transfer is not count as activity.
Product: Checking or savings account

My account with Chime bank was closed without any prior notice or communication on XXXX. The bank account still had {$110.00} at the time of closure. 
I have been in contact with the customer service many times and they are saying they don't have the money even if I reopen the account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, TX XXXX XXXX : XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XXXX : XXXX Re : Security Freeze Request Dear Sir/Madam, I,, XXXX XXXX XXXX XXXX XXXX XXXX Social Security XXXX XXXX, a resident of XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX, submit this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : Applicant Identification : Full Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX TX XXXX XXXX XXXX Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID. 
o A copy of a recent utility bill or bank statement confirming my current address. 
o A copy of my Social Security Number.

Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information. 
Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX