23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I owed a small amount on my account to Walmart, I was late on a payment so I decided to pay it online on the Walmart website. Their online bill payment site gives you an option to schedule automatic payments to pay off your bill, so I decided that 's what I would do so that I would not forget to pay my bill again. I scheduled the payments to come out of my checking account automatically every month, and I figured that would pay off my bill, so I was n't concerned with my statements from Walmart since I was paying off my bill automatically, and I noticed on my checking account statement they if fact had been making a monthly withdrawal. Several months after my auto payments scheduling, I received a letter from a credit collection agency that my Walmart account was placed with them due to non-payment. I have called Walmart several times in an attempt to get answers, because I was unaware that I would be getting late fees from them and would be reported for non-payment, the only information I was given was that their online payment scheduling is completely voluntary and that I still needed to pay the minimum amount due. I understand that the payments I scheduled are voluntary, however it is very misleading, I never read anything on their website that disclosed late fees and that the amounts I scheduled for auto payments would not reflect on my account. I now owe twice as much to Walmart due to late fees, if I had known my auto payments would not pay off my account and I would be reported to a credit agency, I certainly would not have set up this so called payment schedule.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX, I have had this complaint with the XXXX XXXX  XXXX XXXX XXXX ( XXXX ) in XXXX, Virginia. XXXX reported to the credit bureaus two months of late payments for my mortgage during XXXX and XXXX. I had closed on a mortgage loan with XXXX XXXX in XX/XX/XXXX. 

I called and spoke with a XXXX  mortgage representative who advised me to contact XXXX XXXX. XXXX XXXX told me that my loan had been satisfactory closed and emailed me a copy of my credit report on XXXX ( pg 2 ). I also had my closing disclosure for verification. I proceeded to email XXXX on XXXX ( pg 2 ) and never received a response. 

In XX/XX/XXXX, I received from XXXX just the certificate of satisfaction from XXXX in an envelope with no correspondence included ( pg 1 ). After receiving the certificate of satisfaction, I called XXXX mortgage services office to please clarify and explain to me why my account still reflected a mortgage balance. I was told again that I needed to contact XXXX XXXX. I was totally frustrated and XXXX. I later sent another email to XXXX XXXX on XXXX ( pg 3 & pg 4 ). 

I want to refinance but unable to refinance due to my low credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

My private credit information was accessed in the Equifax security breach discovered by the company on XXXX XXXX, XXXX. This causes me to be vulnerable to identity theft and creates significant anxiety. I filed a complaint with Equifax on XXXX XXXX XXXX, at which I time I registered for identity protection services through TrustedID Premier.
Product: Credit reporting, credit repair services, or other personal consumer reports

It's my understanding that TransUnion is one of the big three credit reporting bureaus along with XXXX and XXXX. 

To keep this brief, my complaint concerns receiving email solicitations for loans from TransUnion. 

This was not information to protect me regarding applying for loans, this is actually a solicitation for me to take out a loan. 

Why is a credit reporting bureau soliciting me to take out a loan? 

How can a credit reporting bureau also be a lender? 

There is something inherently wrong with this. 

Additionally I find fault with the fact that with TransUnion, when you go to look at your FICO scores, in very small print at the bottom of their information they disclose that the score that they show you isn't really your FICO score but something they call a XXXX Score. They go on to say that their XXXX Score is not something that lenders use, yet they want to charge you {$29.00} a month to sign up for a service to supposedly keep on top of your credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1682 section 603 A section 2 : It also States a consumer reporting agency can not furnish a account without my written instruction.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

Today, XX/XX/XXXX, I was contacted by a XXXX XXXX at what I eventually figured out ( after some research ) to be Williams and Fudge Inc. Since I didn't answer the phone, he left a message. He did not identify himself as a bill collector and mentioned absolutely nothing about attempting to collect a debt. So, I looked up the company, but couldn't figure out why they would be calling me. I called them back and spoke to another gentleman who's name I don't remember. He also did not identify himself as a bill collector until he got some personal information from me. Then, after about ten minutes of talking with him, he told me why XXXX had called, and it was to collect money for the XXXX XXXX XXXX which I haven't been affiliated with for more than a year. According to Williams and Fudge Inc., I owe more than {$800.00}. They claim that the money I owe is from financial aid the federal government forced the XXXX XXXX XXXX to return because I had dropped out early in XXXX. I explained that I did drop out, but I reached out to the school multiple times within my first week of the semester in question and no one would answer my calls or emails so that I could fill out the paperwork necessary to drop out, nor would anyone call me back. I knew I had a limited amount of time to drop out or I would end up owing them money, but my communications were well within that time. When I tried to explain more, the man I was on the phone with talked over me and talked so much and so fast that I couldn't get a word in. He accused me of not following the school 's handbook when dropping out of classes, when in actuality I did follow the handbook and shouldn't owe any money. It was the school that refused to talk to me. I did my part to avoid this debt accruing, but the school did not do their part. Eventually, the gentleman asked if I'd like to pay it, I told him no. I don't have the money to pay it and I don't believe the debt is my responsibility. He accused me again of not following the school 's guidelines for dropping out, when in fact I did. I tried again to explain that I followed the guidelines, but he kept talking over me and talking faster so I couldn't speak. I suppose I should have hung up at that point. Eventually, he asked if I'd like to file a dispute, and I said yes. Supposedly this dispute has been filed, but I don't trust this bill collector. They didn't even identify themselves in their first contact with me, and even when I called back, they didn't tell me who they were until after they asked me for personal information.
Product: Credit reporting or other personal consumer reports

I have a fraudulent account on my credit report, which I reported to BOUNCE AI INC, yet BOUNCE AI INCis not removing this fraudulent account. BOUNCE AI INC has no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt. The following is the fraudulent account : BOUNCE AI INC / XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a load with America credit acceptance. I was behind on some payment and made it known to them. Then for the past year play have been paying the payment in full and on time. I am still paying the payments each month. They have not reported that I have been continuing to pay the balance each month and stopped reporting in early 2019 when I still have the car loan through them and have been paying on time and am up to date that that is destroying my credit score. They havent updated it in a year and when I made a complaint they closed the account out which negatively effects my credit while  the loan is still with them. I just want its to be up to date so I can continue to improve my credit and they are doing everything they can to negatively impact it while I have been paying in full and on time for over a year.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXXXXXX Account XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several wrong items on my personal information such as misspelled names, wrong addresses, wrong phone numbers, wrong employment, and wrong spouse that I have attempted to get deleted. I have explained this several times and it never gets deleted. Please delete these inconsistencies. I have attached my driver 's license and social security card to show my current address and prove my identity.
Product: Checking or savings account

Deposit made on XX/XX/22 for {$500.00} was placed on hold. The item cleared my bank on the same day XX/XX/22 as the routing # XXXX is the same. This is unfair and untimely hold notice and practice as the first {$220.00} was not made available. The notice was sent on XX/XX/22 for uncollected funds which they received on XX/XX/22. 

The account has never been overdrawn, the account has been opened for more than a year and previous checks from this account has been deposited and cleared. The amount of the check was only {$500.00}. The call center has heard of my complaint on the same issue months ago and still continues this practice.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and discovered several inaccuracies, unauthorized accounts and information reporting to my credit report. These errors and remarks are having a severely negative impact on my life and credit health.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, Their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) Regulation E. Theses actions have caused significant inconvenience and financial loss, I seek appropriate redress for these violations.
Product: Mortgage

I financed a mobilehome approximately in XXXX. My first wife left me, and took a large amount of money from my bank account. I was unable to continue paying on the MH. It was repossessed, and I thought it was all settled. Just a week ago XXXX XXXX XXXX XXXX, I received a XXXX for the cancellation of this debt, which by the way is far beyond the ( 6 years ) statute of limitations in Virginia. It would seem to me that Ditech, who must taken over Greentree Lending, should have legally filed a XXXX after the 6 years, which would have been approximately in XXXX. But they did not. They seemed to have waited 12 additional years. In XXXX I was insolvent, and I would have been unable to repay the debt, and a XXXX would not have been so intimidating. However, now it is. I would like to know why they waited over 12 years to send me a XXXX? I 'm sure the XXXX would like to know as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I called Experian to record a fraudulent account that was open and submitted a copy of the FTC that I reported. On XX/XX/XXXX I received an email stating thAt the information was accurate. I am a victim of fraud and Experian has record of that. I also so have a few fraudulent inquiries which I reported to them and has not been solve. 
XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX 's XX/XX/XXXX, XXXX XX/XX/XXXX. 
None of these issues has been corrected. Attached please find a screen shoot of their response and copy of my repo=rt to Federal Trade Commission XXXX Al Experian XXXX XXXX XXXX XXXX Report number XXXX | XX/XX/XXXX XXXX Print report | Important messages Your credit report and dispute results Our reinvestigation of the dispute you recently submitted is now complete. If we were able to make changes to your credit report based on information you provided, we have done so. Otherwise, we have contacted the company reporting the information you disputed, supplied them all relevant information and any documents you gave us with your dispute, and instructed them to : review all information we provide them about your dispute ; verify the accuracy of the information ; provide us a response to your dispute ; and update their records and systems as necessary. 


The information you disputed has been updated. Please review your report for the details. 
The item you disputed has been updated, which may include an update to the disputed information. Please review your report for the details. 
The information you disputed has been verified as accurate, however, information unrelated to your dispute has been updated. Please review your report for the details. 
Information on this item has been updated. Please review your report for the details. 

XXXX XXXX XXXX XXXX Contact us by phone - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. in your time zone. 
XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX XXXX upload Submit documents supporting your claim electronically at experian.com/upload. 
Important note Any pending disputes will be highlighted below. 
Here are your dispute results XX/XX/XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX numberStatus Show more XXXX XXXX XXXX XXXXXXXX .... 
Updated The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 
If our reinvestigation has not resolved your dispute view your options
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 unfeasible. The CFPBs finding 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 consumers safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid Lexington law services for a trial a five day or something to repair my credit .. well then it didn't do anything but every week there was a charge even though they said they would not charge unless theydid something they never accomplished or did anything even though they took my money and I was getting the run around about a credit letter they said I could get but it changed everyday it was a different story
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX - XXXX, XXXX - XXXX, XXXX - XXXX, XXXX - XXXX, US DEPT ED - XXXX, US DEPT ED - XXXX, XXXX - XXXX, US DEPT ED - XXXX, US DEPT ED - XXXX, US DEPT ED - XXXX, US DEPT ED - XXXX, US DEPT ED - XXXX, US DEPT ED - XXXX, "
Product: Credit reporting, credit repair services, or other personal consumer reports

YOU ARE IN VIOLATION OF THE FAIR CREDIT REPORTING ACT. 

I am writing you today to inform you that I am excercising my right to OPT out of having my private public Information shared with the consumer reporting agencies. 

ALLY Financial XXXX XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 15USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section A section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit card

I have an  American Express card . The card has a credit limit of  XXXX  dollars.  American Express ( Amex ) d evised a scheme that allowed a creditor to post charges to the card that exceed the credit limit by  XXXX . I did not request an increase in credit limit. I did not authorize an increase in credit limit. I did not consent to an increase in credit limit. The actions o f Amex frau dulently opens a new account in much the same wa y Wells Fargo  did without actually issuing a physical card.  Amex has often  refused to pay a creditor that exceeded the credit limit on the account by only a  XXXX  dollars. The purpose of the scheme was to create an account wherein  Amex  could collect high interest on an account that would be difficult to pay off. The action by Amex deprives me of the right to determine the means I could or would use to pay off a creditor.  Amex  denied me my right to negotiate payment to the creditor if I recognized the creditors claim as valid. Credit limits are not arbitrarily or capriciously assigned to an account. Amex operates as a bank.
Product: Credit card or prepaid card

O n  XX/XX/XXXX  I w ent to  Capital one.com I a pplied for a credit card. I had to send them additional documents to verify my ident ity three weeks later they approve my application a few days after that they closed my account because they said I use someone  else 's promotional code which I never did.
Product: Money transfer, virtual currency, or money service

My complaint is against Wells Fargo ... Tonight I learned an {$800.00} teller check was cashed on my account without my knowledge or consent. My sister is on my account and one month ago her purse was stolen out of her car. Today between XXXX-and close of business a check was cashed using her identity. When her purse was stolen she reported it to Wells Frago where we Bank. They closed her account and set fraud alerts. Not only did someone cash a check on my account for {$800.00} but they cashed a check for {$600.00} on hers. No check image is available. They cant even tell us what Branch this happened at. After being on the phone with them for 2 1/2 hours they are saying an investigation has to be done and we will not have our money back until it is complete. HOWWW are they allowed to do this when it was reported to them that her identity was stolen and they did not take the proper measures to protect our account! This has to be an inside job!!! How is this even allowed!
Product: Credit reporting, credit repair services, or other personal consumer reports

After DECADES of pristine credit history -- no late payments, paid off multiple student loans, mortgage, cars, etc with ZERO late payments, the following happened to me : My credit score suddenly dropped XXXX points for no apparent reason. No dark web, no credit fraud, no wild spending. All three major credit reporting agencies told me that the problem is that... essentially I don't have any debt. I paid off my mortgage in XXXX, literally have no outstanding debt. ( Because I, well, don't believe in carrying debt unnecessarily. Go figure. ) Right now I have one open credit card with a {$10000.00} limit and a credit history of XXXX XXXX. NO late payments. Ever. My personal assets are significant. I dropped from XXXX to XXXX In response to Experian 's suggestion, I tried to open three different credit cards on their website after being directed on their website to credit cards that were " matched '' to my situation. All three turned me down. Guess what? Three hard credit checks, dropped my score further. 

I have had a meeting with a vice president of consumer services at my credit union. All of the professionals I have consulted ( who have access to my credit history and my financial date ) are baffled. The only recourse ( I have been told ) is to open more credit. And I can't. Because more attempts to open credit are not guaranteed success, and this will further harm my history. This feels -- -like FRAUD. Under what circumstances is this a reasonable action to be taken against a consumer who is a near-ideal credit risk??