23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2019 Executive Office Mail Code XXXX XXXX XXXX XXXX XXXX, OH XXXX CASE REF : XXXX / CFPB XXXX XXXX XXXX I received responded latter from I submit complain though CFPB. 
Today ( XX/XX/2019 ) I went XXXX XXXX and given paper check # XXXX amount of XXXX has been declined. 
Seven digit dined reference # XXXX I am already tired with dealing with issue and I am going to serious legal action soon. Please fix this issue as soon as possible. 

Please approve debit card as soon as possible. 


Thank you XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked. I have attached a copy of my Police Report/FTC Identity Theft Report ( FTC REPORT NUMBER : XXXX ) to support my claim. Pursuant to 15 U.S.C. 1681c-2, when a consumer files an identity theft report, credit reporting agencies are required to block any information identified by the consumer as a result of the identity theft within four business days. The following information on my credit report is the result of identity theft and must be blocked : Hard Inquiries XXXX XXXX XX/XX/year> As required by Title 15, United States Code, Section 1681c-2, block this fraudulent information from my credit report immediately. This information must be blocked. During the block, you may not report that it no longer contains fraudulent information. I have called the bureau several times reporting this fraudulent inquiry on my report and Equifax has not wanted to give me a solution to this problem where I am being affected. I require that you send me all the documentation to prove that this information is true. I have requested information more than 60 days ago and have not received any response. Please help me immediately delete these inquiries. Thank you.
Product: Credit reporting or other personal consumer reports

noticed my credit score dips up and down with no one to give answers as to why. contacted all three credit agencies, but no help was supplied, I was either given only non XXXX speakeing persons or Al qustions that didnt pertain to my questions. 
I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. The CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps. 
Publishing this description will not affect how the CFPB handles your complaint. 

( VPN ) 96 % Bureau ( CFPB ), a U.S. government agency that makes sure banks, lenders, and other financial companies treat you fairly. 
Learn how the CFPB can help you HAVE A QUESTION? XXXX 
( 855 ) 411-2372 TTY/TTD : ( 855 ) 729-2372 XXXX XXXX XXXX XXXX XXXX XXXX, Monday - Friday ( except
Product: Credit card

I am writing you to lodge a formal complaint about fees that were charged to my account. The XXXX chargers in the amount of {$35.00} dollars. On XX/XX/XXXX for {$35.00} XX/XX/XXXX for {$35.00} XX/XX/XXXX for {$35.00} XX/XX/XXXX for {$35.00} XX/XX/XXXX for {$35.00} XX/XX/XXXX for {$35.00} for a total of {$200.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Day, my information is being used by someone to open and apply for things, now there are accounts on my credit profile that I do not recognize. These items affecting my ability credit and my basic ability to sustain and stabilize myself and my family. Please, remove these fraudulent items as I am a victim and my life and family are suffering. 


Open Accounts : XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$310.00} Credit Card XXXX Opened : XX/XX/XXXX Balance : {$340.00} Secured Credit Card XXXX XXXX XXXX  Opened : XX/XX/XXXX Balance : {$100.00} Secured Credit Card Collections Accounts : XXXX XXXX XXXX XXXXXXXX Opened XXXX XX/XX/XXXX Balance : {$370.00} Original Creditor : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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 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 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 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
Product: Checking or savings account

In XXXX of 2021, I made what I thought was a legitimate purchase of an electric bike. However, after not receiving it, I contacted my local branch of Citibank and an investigation was begun ( I was told ). 

Since that time, I have been asked 6, ( YES, 6 ) time to submit the same information to Citibank and still have not received my funds. 

The charge of the bike was {$99.00} and {$12.00}. XXXX XXXX XXXX XXXX, plus {$2.00} insurance. 

The original company I thought I was buying it from, Wayfair, informed me after I contacted them that the site which sold me the bike was fraudulent and not a Wayfair site. Further, speaking to the local post office, I was informed that the 'alleged delivered " package weighed only 7 oz. 

I wish to file a complain on Citibank as I have been getting the runaround for 1 and 1/2 years now. I spoke to a representative who informed me the complaint was closed. I was never informed of it being closed, nor have I gotten my rightful refund in the amount of {$110.00}. 

How, I'm wondering, can a customer file a complaint, it be closed and the customer not be informed of the result of the investigation? As far as I knew, Citibank said they'd investigate. Apparently, someone dropped the ball here. 

I want to have them return what is rightfully mine, the money. 

Thank you.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding an innacurate item on my credit report that continues to negatively impact m credit. despite my efforts to resolve this directly with the report agency, it remains unresolved.I request inmediate investigation and removal of this items as it is incorrect and does not reflect my true credit history XXXX {$8800.00} XXXX {$2700.00} XX/XX/XXXX XXXX {$2700.00} XXXX XXXX XXXX XXXX {$7500.00} XXXX {$6600.00} XXXX {$270.00} XXXXXX/XX/XXXX{$2400.00}XX/XX/XXXX {$1800.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Im currently waiting on a response from them and they still have not replied. I reported these accounts to be fraudulent identity death and they still have not took this off my credit. 

Above I have a few items that are inaccurate By law I am allowed to dispute anything that I feel is erroneous and not 100 % accurate. 
XXXX was sued for unlawfully failing to properly investigate consumer disputes. The CFPB alleges that XXXX does not take sufficient steps to intake, process, investigate, and notify consumers about consumer disputes, resulting in the inclusion of incorrect information on credit reports. 
Inaccurate or false information on consumer reports can threaten consumers ' which is your company! 

Thes hard inquiries were taken off of equitable and transunion but yet their still on XXXX.
Product: Debt collection

I received a letter in the mail from XXXX XXXX XXXX saying that I had a debt for {$500.00} but I could pay around {$250.00} for half of it. I disputed this a couple of years ago because I went to the hospital for my jaw in 2015. Why am I receiving this debt if it was successfully disputed? Also, Ive blocked all the numbers theyve been calling me from it has to be over five or six numbers. Its ridiculous, why continue to call from different numbers?
Product: Credit reporting or other personal consumer reports

I sent in letters to each collection company on my credit report stating my consumer rights being volitions and nothing was done its been over XXXX weeks already I sent in documentation regarding the LAWS and nothing was done. I need these accounts delete immediately! Its has caused me finical hard ship.
Product: Debt collection

The debt was in collection since XXXX 2022. However, I never heard from the company about the collection, never sent to my address about these charged off collections. At the end year a 1099C was supposed to be sent me to report the charged off amount to IRS as income on my 1040 tax return. the company ' collection address is " po XXXX XXXX XXXX XXXX, SD XXXX. 

I have the following collections with the same company : Company : Affirm Inc . 
XXXX. Account Number : XXXX Account charged off amount : {$170.00} Charged off date : XX/XX/year> XXXX. Account Number : XXXX Account charged off amount : {$1100.00} Charged off date : XX/XX/year> XXXX. Account Number : XXXX Account charged off amount : {$180.00} Charged off date : XX/XX/year> XXXX. Account Number : XXXX Account charged off amount : {$140.00} Charged off date : XX/XX/year> XXXX. Account Number : XXXX Account charged off amount : {$310.00} Charged off date : XX/XX/year> 2022
Product: Credit reporting or other personal consumer reports

Lexus Nexus an identity verification company. After dealing with them for well over 30 days, they fixed my verified information as far as my phone phone number is concerned The problem with this company is they also use unverified information and in unverified account they did not fix the phone number issue. There is no number there at all after speaking with this company and asking them why was the verified information fixed, but the unverified information is not fixed. If they have verified information, then why cant they just fix the issue at hand? They want another XXXX to XXXX days telling me they have to wait until this information is reported to them by whoever reports information to them. 

They will not just fix it, even though they have a verified phone number Which makes absolutely no sense to me This all stems from XXXXXXXX XXXX  putting cashiers checks on hold and holding that money until my phone number can be verified, and although XXXX XXXX is using Lexus Nexus as a verification company, they are looking at an unverified profile, which makes no sense to me. 
The information is there within their system. I would love it if somebody could look into this and help me understand what is so hard about just fixing a phone number. 

Thank you for your time
Product: Checking or savings account

I am writing to file a complaint against Navy Federal credit Union regarding multiple overdraft fees I have occurred. Despite having sufficient funds when transactions were authorized. I was charged fees due to lagged posting of charges and credits. This issue aligned with the recent CFPB findings against Navy Federal for similar practices where transactions settled with insufficient balances despite initially available funds. I believe these I believe these practices are unfair and request a full investigation into my account transactions
Product: Student loan

In XX/XX/XXXX my un-subsidized loans through XXXX services were placed into deferment without my knowledge or consent. This turned off my direct debit auto-payments, again, without my knowledge or consent. In XX/XX/XXXX I finally got an email alert saying that my payments have been turned off at which point I had to call and get the deferment reversed. 

Since my payments had been turned off from XX/XX/XXXX-XX/XX/XXXX my principal balance remained higher than it would have been if they had not turned off my payments. As a result the interest payments that XXXX applied to my principal balance were also higher than they should have been. All of this leads to them charging me more money under the guise of a " service benefit '' ( their words, not mine ) which I never asked for or desired. 

So in conclusion, XXXX made changes to my account which allowed them to increase the amount of money they say I owe, and this was all done without my consent or authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 15 U.S.C 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 reporting, credit repair services, or other personal consumer reports

SEQUIUM ASSET SOLUTION is reporting a collection on my report after I have disputed the debt and asked for very specific verification details in which they will not provide. I am asking for verification of the alleged debt pursuant to my rights under the FDCPA. With respect to my verification request under the FDCPA, I requested a copy of a signed contract. Additionally, I requested that you cease and desist all collection activity, including credit reporting. That is, I requested that you delete any and all reporting made to any consumer reporting agencies. You have failed to address my very specific legal requests and are in clear violation of the FDCPA. 

First, you failed to obtain and send verification of the alleged debt by not mailing me a contract. Instead of sending me a signed contract or agreement as requested, you mailed me something stating the original creditor but this is not a contract or agreement and is nonresponsive to my verification request. Under the FDCPA, it is unfair or unconscionable to attempt to collect an alleged debt in any amount that is not expressly authorized by an agreement creating the debt or permitted by law. 

Second, you failed to cease and desist and delete your credit reporting of the disputed alleged debt. Under the FDCPA, it is a false, deceptive, or misleading representation or means in connection with the collection of any debt to communicate to any person ( e.g., a consumer reporting agency ) credit information that is known or which should be known to be false. 

Addittionally this is still reporting to XXXX XXXX and XXXX and they never listed the account as being disputed from the collection agency which is another violation. Its sad that they are ignoring my mail and breaking the law without a care to do the right thing.
Product: Consumer Loan

On XX/XX/XXXX I leased a XX/XX/XXXX XXXX vehicle through the GM Auto Leasing process. On XX/XX/XXXX GM Auto Leasing repossessed that vehicle for no apparent reason. I twice wrote to them in search of a reason or rationale for having so abruptly removed this vehicle from my custody, in the middle of the night without my knowledge or consent. No reply has been received to date of this complaint to your agency. 

I see this as a blatant violation of the XX/XX/XXXX Consumer Credit Protection Act. 
All bank payments were current ; and the vehicle was duly insured. I remain at a lost for any kind of a answer to the age-old question of " Why? '' Your examination of this matter is greatly appreciated, as I am an elderly minority who has devoted his whole life to doing the right thing and living responsibly.
Product: Credit reporting, credit repair services, or other personal consumer reports

And unauthorized credit file report sent to capital one bank released by XXXX XXXX on XX/XX/2021. I did not recognize nor authorize this inquiry about my credit score or file, since this inquiry may negatively impact my overall score I am concerned about its appearance in my file. I do not have nor ever had an account through capital one bank. I realize that any bank may make an inquiry by law but they need a legitimate reason to do so and as a consumer I need to be informed of what that reason is and this did not happen in this case.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I request my credit report via XXXX, everything works fine for XXXX XXXX and XXXX. However, when I submit a request to Equifax, I get the message : " Online Delivery Unavailable We are not able to deliver your free Equifax Annual Credit report online. '' This has happened on XXXX XXXX, XXXX and again on XXXX XXXX, XXXX. I suspect they are using this as a way to avoid their legal responsibility to provide the credit report free of charge to consumers. Most consumers will not bother to send a mail request. I 've got no way to determine if this is true or not, but it would be instructive to learn if the number of Equifax reports issued differs signficantly from the other XXXX bureaus.
Product: Debt collection

I have a debt which has a court ordered garnishment. I have asked for a balance and statement that shows what has been paid and what the balance is. I would like to see how the interest is being calculated. I have reached out to the company, but they have not sent me anything.
Product: Credit card or prepaid card

First of all, I received the first bill in months after I complained that my online access has been blocked and my credit usage blocked, eventhough I had never failed in their payments. So, on this bill I received I am being charged a late fee for no reason. I have automatic payments set up through my bank and I only see a payment of XXXX credited from XXXX. However, after that payment I have made a total of XXXX in payments and none of those are reflected on this statement. The bill due is only XXXX. Yet the bill says I am past due XXXX. In addition, the account number is totally wrong. I attempted to call to resolve and the XXXX number listed for customer service is just a spam number offering me vouchers. 

How can I solve any concerns? My online access is blocked, I have not received bills, and there is not a valid number where I can reach out. My credit card should not have been taken away and if I had selected paperless then my online access should not be blocked. Until I am done paying, I am still a customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I applied for a preapproval with XXXX XXXX Mortgage. I approved a credit pull, but only one. Instead, XXXX XXXX Mortgage pulled my Transunion report, and then pulled a report for all bureaus, including Transunion. This resulted in XXXX inquiries on my Transunion report. 

XXXX XXXX Mortgage has indicated that it is their policy to pull a report from one of the bureaus to determine if the customer qualifies. After the initial review, they pull a report from all bureaus. This results in the consumer having a double inquiry for one of the bureaus. Consumers are not made aware that XXXX XXXX Mortgage will pull their report twice. 

I attempted to speak to someone about this for weeks. I left a message with multiple people, including my loan XXXX 's XXXX. I informed two of the loan officers and a rep at the company about the issue and they informed me that they would look into it. After weeks, I only got a reply after I contacted them again and threatened to file a formal complaint. Their response is that inquiries are only typically removed if there's an error. They followed up with claims that the second inquiry does not affect my score. They fail to realize that although the extra inquiry may not cause a drop in my score, the mere fact that it increased my total number of inquiries does affect my overall creditworthiness. They are also missing the point that I did not authorize them to pull my report multiple times. 

XXXX XXXX Mortgage should discontinue their practice of pulling consumers ' credit reports multiple times without their permission. When consumers provide permission to have their credit pulled, they have every reason to expect the company to only pull their information once and to seek permission for subsequent inquiries. I did not XXXX XXXX XXXX Mortgage the freedom to pull my credit as many times as they wish. I provided approval for one credit pull. So, one of the Transunion inquiries should be removed.
Product: Money transfer, virtual currency, or money service

PayPal, allowed 5 different companies over three months ( plus but I only have documentation of these ) to charge me twice for goods or services totaling XXXX and when I called to ask them to locate and refund my money they put me on hold for 2 hours. They also allowed companies to send me damaged goods and keep my money, so much for their consumer protection, which is a lie so its fraudulent
Product: Credit card or prepaid card

I am disputing any and all charges From XXXX XXXX. This was a free trial offered, see attached emails from XXXX XXXX. This was cancelled within the time period allowed. XXXX XXXX has continued to charge me for the original amount of {$310.00} if even though it refunded me initially but charged it back again. XXXX then charged me an additional charge of {$530.00}, which I disputed the charges immediately, but to no avail. The credit card company resolved the the dispute in their favor before I even had a chance to reply. See attached dispute, dates and correspondence.
Product: Money transfer, virtual currency, or money service

I am writing you to formally express my concerns regarding zelles handling of disputes, particularly in light of of recent CFPB lawsuit highlighting significant issues with the platform. Despite using zelle numerous times and reporting my discrepancies, my financial institution zelle failed to investigate my claims adequately. They informed me that recovering my lost funds was impossible. They neglected my problem from the beginning.
Product: Vehicle loan or lease

I feel bad I was discriminated against as there were multiple overcharges on my account in the past since the opening of my account which hasnt been resolved.
Product: Money transfer, virtual currency, or money service

Every since Ive gotting a new phone transactions kept coming without my recognition and its been 2 years Ive tried reaching nothing has happened
Product: Debt collection

I had paid off my last debt in collections around {$640.00}. I have been trying to get the debt off my report. I have disputed it 3 times, and it wont come off. Called XXXX and they were no help getting it off. The debt agency was called XXXX XXXX XXXX. However, they permanently close. The debt has been paid to XXXX XXXX XXXX in full. But since XXXX XXXX XXXX closed down permanently, they can't take off the debt from report since they no longer exist.
Product: Debt collection

I had an account with Southern Finance they never report to XXXX or XXXX they waited until i fell behind with payments due to health issues to report the debt. When i made an offer they promised me they would delete this account off all 3 bureaus. This has not been done. The account # XXXX