23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

My credit card -First Progress, which was advertised as a credit repair and rebuild type credit card closed my account XX/XX/XXXX, took my security deposit and applied it to the balance XX/XX/XXXX. At the time I was XXXX payments behind, but I informed them that I had moved, had to find a place to stay and this was the reason I was behind. I had this account for almost XXXX years this was the only time I experienced this Challenge. I found out my account was closed after seeing my credit report, which they reported all this information to the credit bureaus but never called, sent a letter, nothing. When I called to get an understanding of this decision. NONE WAS GIVEN, they were quite rude and unprofessional, they advised me they didnt have to provide a reason. I came to know first progress thru XXXX XXXX and they were billed as a credit repair and rebuilder. Which I quickly found out it was more about the fees and interest. They were not as advertised, they made it difficult and costly to make payments to them, pay by phone {$27.00} you can mail which sometimes made things worse, by not getting their on time. They really hurt my credit and didnt really communicate very well me. They didnt have any empathy for my situation and are quite rude and unprofessional over the phone. My last payment of XXXX cents which was supposed to be zeroed out because they waved their membership fee {$49.00}. After I called in they advised me my balance was XXXX and sent another bill with XXXX cents and required me to send a payment of XXXXXXXX XXXX and they havent updated my credit report advising my balance is paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below XXXX XXXX XXXX ACCOUNT NUMBER XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 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: Vehicle loan or lease

My XXXX XXXX was bplagued with multiple recalls. An unsafe vehicle. There was problems and recalls on the brake system and structure. I paid off the loan even though I was plagued with constant car repairs. The acronym for XXXX. Found on XXXX XXXX XXXX describes all the problems that I with this mini van. After I paid off the car loan, my employment was garnished. I went to court, did an Order to Show Cause and proved that I paid the vehicle off. A few years later, my employment was garnished again. I went to court and proved that I paid off the car loan, that my previous employment was wrongly and unlawfully garnished. The law firm waited7 years, after I shredded the court paperwork and I am being garnished a 3rd time. The balance of the loan was under {$900.00}. I am being garnished for {$31000.00} for a vehicle that I never enjoyed, had multiple recalls and was unsafe to drive. 

I complained that this is credit fraud, identity theft and consumer fraud and theft of my social security. 

I've been sick and I am unable to keep going to court to fight this fraudulent illegal claim that I owe {$31000.00} for a minivan that I should have been reimbursed for purchasing. How can I owe {$31000.00} on a $ XXXX and every few years the law firm takes me to court garnishes my pay and never return the moeny that they have stolen from me.
Product: Debt collection

I received a text from Unifin today, XX/XX/2024 regarding a debt collection that I do not owe and was actually turned over to XXXX XXXX XXXX. It is being paid monthly. This has occurred once before and I almost fell for it and came close to giving them personal information. The text phone number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On   XXXX   XXXX   XXXX   I pulled my   XXXX   major credit reports from  XXXX . I noticed an account being reported by   XXXX   XXXX   XXXX   XXXX    that I had no knowledge or record of. I disputed this account with all  XXXX  agencies under the complaint of " account does not belong to me ''. On or around   XXXX   XXXX   XXXX   I received an updated credit report and a summary of the investigation that simply stated " Information validated as accurate ''. No reason, method, or support to that statement.
In the updated credit report I found that not only did they not resolve my complaint but they allowed   XXXX   XXXX   XXXX   XXXX   to update information on the account from charge-off with a balance of zero and no late payments to having no high credit limit, a balance of {$2200.00}, a charge off amount of {$2200.00}, re-age the date of last payment from  X/XXXX  to   XXXX  , and tack on   XXXX   reports of 90 days late to account that had a previous balance of {$0.00}.
I then disputed this new information with all   XXXX   credit agencies with the investigation results once again stating " Information validated as accurate '' with out anything to support that statement.
I then proceeded to file a complaint with the BBB against  XXXX  about the matter. However, the BBB did nothing but open up a line of communication with  XXXX  No investigation supporting documents were furnished to support their findings, and they refused to correct the issue.
I then made direct contact with   XXXX   XXXX   XXXX   XXXX  . Once I was able to finally get a hold of the right person, after first being sent to the collection department to try and strong arm me into paying on an account that is not mine, they simply gave me the number for  XXXX  and hung up.
I am now in the process of initiate   XXXX   last effort to have the report corrected before I pursue legal advice on handling the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a fraudulent account on my credit report, which I reported it to BANK OF AMERICA, yet BANK OF AMERICA is not removing this fraudulent account. BANK OF AMERICA 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 XXXX05B ( 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, yet BANK OF AMERICA has refused to do this. The following is the fraudulent account : BANK OF AMERICA XXXX Date opened XX/XX/XXXX Balance {$3100.00}, BANK OF AMERICA XXXX Date opened XX/XX/XXXX Balance {$4600.00} which were open at an address which I have never lived at and it has nothing to do with me. Accounts showing above are indicating with an address ( XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ) which is not mine and I never lived there.
Product: Checking or savings account

I order an item on line item never arrived file a complaint dispute they gave me temporary credit received letter saying they gon na take credit away because merchant provided tracking number went to postal office tracking number is in another address and in someone else name plus is and envelope it is impossible that 2 night stand tables will fit in an envelope that is what I order I go to bank fax proof with photos of all this they still won't give me my money
Product: Debt collection

Received call from Merchants Credit Adjusters on XXXX XXXX on XX/XX/XXXX. Caller identified himself as " XXXX '' and asked for verification of the address of record, which I verified. XXXX ' tone was overly aggressive and condescending, even after I mentioned that I had set up a recurring payment via my bank to satisfy the debt. XXXX stated that I told a another representative on a previous call that I was unemployed. During the initial call I had some technical problems looking up the information on my account, meanwhile XXXX was continually condescending. After finally locating the info, I discovered that in fact recurring payments have been setup for the XXXX of each month culminating to the total balance. In fact, the first payment was made on XX/XX/XXXX, prior to receiving this call. Upon calling back Merchants, the 2nd representative refused to identify herself and told me that the Supervisor would call me back. I have not received a call back as of this writing.
Product: Debt collection

I think I have a collection, but I can not find it. I dont know why I have it. I need help please.
Product: Credit card or prepaid card

My payment is due on this credit card on the XXXX of the month. I always make my payment on the last day of the month or the XXXX, online. On XX/XX/2022, I made my regular payment and received a confirmation email that my payment was made. On XX/XX/2022, I went to make my XXXX payment and there was a late charge on my account for XXXX dollars. I made my payment on time so I called. The person I talked with didn't seem to know how to handle it. He told me that Capital One had some payment issues with their systems on XXXX XXXX day and that my late payment charge would be reversed and my credit wouldn't be effected. He admitted that it was their mistake. I have proof with a screen shot and my email confirmation that the payment was made on time. I am never late on any of my payments and I just checked this month 's statement and the charge has not been reversed nor do I know how it effects my credit. What I am really worried about especially due to being a retired Consumer Protection Chief of an Attorney General for years is, how many others did they charge this fee to even though it was their system that messed up?
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/year>, I fell victim to two multi-layered scam operations run by XXXX XXXX XXXX XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my XXXX XXXX  XXXX account to Chase Bank at the instructions of the scammers.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in the light of 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 infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user 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

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. Iam distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other or instrument bearing my signature.
Product: Mortgage

This complaint is against Axos Bank in California. I received an XX/XX/XXXX statement and it had incorrect information on it. Stated that I have a prepayment penalty, which I do not have on my loan terms. I called Axos Bank twice ( XX/XX/XXXX and XX/XX/XXXX ) and asked for a corrected copy, which I finally received. 
The next two months statements were correct, but the XXXX statement once again has the prepayment penalty listed. I called the bank again on XX/XX/XXXX and XXXX telling them that I want a corrected copy of my statement. On the last call, XXXX gave me a case # XXXX. I have not heard anything since that time. 
My concern is that if I let them continue to state that I have a prepayment penalty, then I am allowing it and setting precedence for them to charge me fees when I pay off my loan or make early payments. I will NOT allow them to charge me penalties. 
Also, my bills are not arriving in a timely manner. The XXXX bill arrived on XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this dispute after submitting one on XXXX XXXX. The previous dispute was missing a key piece of information to best defend my reasons in my dispute. Take this dispute as the more updated accurate account.

I reviewed a copy of my credit report and I noticed that there are some fraud accounts listed on my report. I have previously reached out to the credit bureau to rectify this affair, but they have been negligent in complying with my request.

The accounts and inquiries listed do not belong to me and are invalid. The disputed information does not relate to any transaction made by me. A copy of my drivers license, social security card, and 3 FTC reports related to this dispute are attached.
Product: Debt collection

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!

THIS IS NOT MY DEBT!

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!
Product: Checking or savings account

On XX/XX/2023 an account on instagram with a picture of a XXXX XXXX on it XXXX messaged my account asking for permission to paint XXXX of my posts. Her username is XXXX XXXX I allowed her too and she told me there would be comission for it. She claims she can not receive checks at the moment and that her client will be sending the checks my way to cash it. She claims {$2000.00} will be sent my way and that {$500.00} will be mine and {$1500.00} will go to her. Her client with a mobile number ( XXXX ) XXXX and email XXXX messaged me and sent 2 {$1000.00} checks. These checks had a company logo from an established special needs school in Arizona, hence why I thought everything was real. Everything deposited alright on my account but a few days later realized that the checks have been canceled and I was sending {$2000.00} from my own account. I believed everything XXXX XXXX  was saying until she sounded very pushy but it was too late and XXXX can not cancel transactions. After a low balance was detected on XX/XX/2023 I immediately called Bank of America for help. The reviewed my case and gave me an answer that they would not be returning the funds. I had to call all the way from XXXX and spend lots of money on the call for this case.
Product: Student loan

I have two loans with this company. It should only be one loan, but they screwed up my consolidation over a decade ago. They have regularly misapplied payments I send them, despite repeated communication. Recently, they misspelled a payment of {$100.00} sent XX/XX/year>24 and then said I'm behind on my payments and they are reporting me late to the credit bureaus.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ohio XXXX XXXX XX/XX/XXXX XX/XX/XXXX I request that you immediately investigate this matter and take appropriate action to correct the inaccurate information on my credit report by requesting the information be removed or corrected, as applicable. Debt was included in bankruptcy. XXXX XXXX XXXX and XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and bankruptcy over 7 years reported on XXXX be removed, Bankruptcy court stated they did not report this to be on my credit bureau. 
Please contact me at the above address or phone number if you require any additional information regarding this dispute. 

Sincerely, XXXX XXXX XXXX XX/XX/XXXX Enclosure : Copy of Credit Report with highlighted disputed items
Product: Student loan

I am ready to repay my student loan and have access to an online portal to repay the loan but it does not allow me to repay online. The company charges high percentage fees for any payment method other than paying directly from my checking account but when I attempt to use this payment method, I am unable to pay the loan because the balance incorrectly displays as {$0.00}. I have tried to use the live chat that is available and it does not load before the system times out my log in. This is very frustrating because I feel they are able to collect more interest on my loan when I am ready to pay it off. I have attempted to pay off this loan 4 times in the last 2 weeks.
Product: Checking or savings account

I had a checking account at Bank of America. On XX/XX/XXXX XXXX XXXX the bank issued a check with {$560.00}, that was my balance on my account. When I tried to collect the money, the bank returned the check back on XX/XX/XXXX with the stamp unpaid. The reason : refer to maker. I called check department from Bank of America and they told me that no check on my bank account was issued ever and my account is closed. This means that somebody in the Bank of America has falsified this check!
Please, help me to collect my money from the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information in my file. I recently received a copy of my credit reports. The credit report showed credit inquiries that I dont recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit.     The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B.  Insurance C. Employment D. Court Order T he following credit inquiries are related to none of the aforementioned permissible sierra finance  XXXX / XXXX / 2017
Product: Debt collection

Key Bank debt XXXX indicated that if I submitted a letter from my daughter, XXXX notarized and an admission of the debt belonging to her, they would hold her liable for the debt in which she signed for with the organization. This debt belongs to XXXX, the debt collector has it under the account numbers on my credit reports. Key Bank NA acct number XXXX and Student Loan Mkt acct number XXXX and Key Bank account number XXXX. I have submitted this information before and Key Bank still has not released liability. I have provided my signatures for the time I have. I was able to locate my mortgage document from XX/XX/XXXX, provided a signature from XX/XX/XXXX those are the only signatures I possess unless I can provide you with current signatures I had to keep searching until I found the signatures attached and forwarded them. The only other documents I have are the death documents from my son from XX/XX/XXXX. But I have continually provided the documents in which you requested so please remove liability as per your letter attached.
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 m! 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 ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information reported on my credit report regarding my Credit Card account XXXX have identified that late payments have been incorrectly reported, negatively affecting my credit score.

Under the **Fair Credit Reporting Act ( FCRA ) **, specifically **15 U.S. Code 1681i** ( correction of inaccurate information ) and **15 U.S. Code 1681s-2** ( responsibilities of information furnishers ), credit reporting agencies and information providers are required to ensure the maximum possible accuracy of credit reports and correct any errors in the data provided.
Product: Checking or savings account

I disputed two charges last month from a merchant that I cancelled and revoke authorization from charging me back in XX/XX/XXXX. You disputed the charges in XXXX and credited me the money back. I was told you would block them from charging me again since I revoke authorization from them to charge my account. I check my account today XX/XX/XXXX, and yet again there is another {$10.00} charge. The merchant info is below : XXXXXXXX XXXX {$10.00} I contacted you on XX/XX/XXXX and the rep in chat said he/she placed a stop payment/ticket on the debit card charge but it still went through but was told it wouldnt.
Product: Credit card or prepaid card

I requested a balance transfer from my XXXX XXXX Credit card, for {$13000.00} on XX/XX/2023 to my Apple Goldman Sachs Mastercard. However, I made a mistake as there was no balance due on this card ( the balance due was on a different card ), with a result of a credit of {$13000.00}. I called Goldman Sachs to have this balance refunded or sent back to XXXX XXXX. They refused, they said the it was frozen by the fraud department. I called several times but they refused to allow me to submit any documentation to show the transfer was legitimate. They said their fraud department does not talk to consumers.
Product: Credit card

I recently changed my phone number and tried to update my Affirm account information. After trying to update information ( phone number ), I was locked out of my account. I contacted Affirm to help me with my account. I was told that I need to submit a copy of my ID via email to verify me. I refused, I dont agree to their NEW terms. Im currently locked out of my account. I cant confirm my orders or payments. I was told I could not close the account until all payments were processed. However I dont know what payments need to be processed because I cant access my account.