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

on XX/XX/year>, I discovered that my credit card account has been compromised, resulting in unauthorized transactions that I did not initiate or authorize. I have already reported this issue to your fraud department in XXXX ( or wherever ) without success. For some reason no one could understand my issue. Apparently, someone changed the phone number and address on my account, which has since been canceled. Apparently I owed XXXX $? on the card for a recurring charge. I never received the bill because this address had been changed and I was unable to long on to my account because it had been closed. 

Despite this, I was dismayed to learn that a negative report related to this fraud has been sent to XXXX, which has significantly affected my credit report and score. My score dropped XXXX points and therefor will be extremely costly in regards to future loans, etc.
Product: Checking or savings account

On XX/XX/XXXX, XXXX fell victim a BOAXXXX scam thinking I was communication with Bank of America as the incoming text and call phone indicated they were coming from BOA. The BOA imposter stated a fraudulent transaction was being attempted on my account in the amount of {$340000.00}, He instructed me to pull up XXXX on my account and sent me a code to type in to block this transaction. The phone then disconnected and I called BOA because I didnt get the claim number he stated would pop. I called the bank and was informed I was scammed. My account was overdrawn by {$3400.00} because I only has {$10.00} in my checking account. BOA processed this large payment without the funds being there and also without alerting me of a suspicious transaction. I have alerts active on my account and they have stopped me from withdrawing {$1000.00} without calling in first even when the funds were available, BOA is REFUSING TO REIMBURSE this transaction. The are not complyomg with Regulation E ( 12 CFC 1005 ) in regards to fraudulently induced transactions
Product: Money transfer, virtual currency, or money service

I am willing 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 claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX ( P ) ( XXXX ) XXXX ( F ) XXXX old name ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX # ( XXXX ) XXXX My ex wife lived at this apartment and became behind on her rent. She was not evicted nor was I. The apartment was paid the past due to rent and she moved out in XXXX of XXXX, with all bills paid and current. The property allowed her to pay the rent and accommodating the late payments. There was never an eviction to move. The property rescinded the eviction and did not update, that payments were paid and no eviction occurred at the property. XXXX County Court JP 5-1 ( XXXX County Justice of the Peace XXXX XXXX  XXXX XXXX # XXXX, XXXX, TX XXXX ( XXXX ) XXXX ). I don't live in XXXX Texas, I live in California and was in the military when this judgment was entered. Under the SCRA she was allowed to move in XX/XX/XXXX. There's an amount of {$2600.00} that was already paid to the property in XXXX for past due rent. There was no eviction and there is no amount to be paid. Please contact the property and correct the court records and remove this from XXXX, XXXX Equifax, Case # XXXX XXXX County, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft since 2016 and it has been so many different things that have been reported on my credit for as apartments. I have lived there that I never lived that far as credit cards that I have never applied for cell phone bill that I have never had and Ive been reporting this stuff to all the XXXX different Credit Bureaus. Ive been sending police reports Ive been sending Documentations that shows Ive been a victim of identity theft all kind of different things to the credit bureau and everything is still showing on my credit and is affecting my livelihood for the last XXXX years. I just dont know how to move forward with this about either getting a lawyer or something because this is really hindering my livelihood.
Product: Credit card or prepaid card

Hello sir and madam Good day despite of having corona virus pandemic My name is XXXX XXXX card holder of amex, and a XXXX XXXX  The last time i was claimed about refund for my flight, it was charged to my amex and i booked the flight in amex travel using my amex card. 
My flight was cancelled by airline due to corona virus issue and they emailed me that reimbursement from amex travel will be on process. 
I was waiting from amex to give credit for refund but its been more than a month, despite of calling the customer dept.of amex and the amex never return the money and kept charge me for the interest as well because of balance. 
Kindly help me to refund as soon as possible the airline charges to avoid interest I appreciate your help Im a XXXX XXXX  of XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is fraudulent and inaccurate information being furnished on my credit report.
Product: Debt collection

Debt collector, Credit Associates of Maui, representative XXXX, violated the fair debt collection practices act ( FDCPA ) on XX/XX/2019 at XXXX and again at XXXX ( HST ) by calling from a restricted number. I called their office and confirmed on their recorded line, with the receptionist, and with XXXX, that they had called me from a restricted number in violation of the FDCPA. It was indicated to me that the employee/caller had no control over the companys phone system, so this appears to be a company directive, not an individual choice, to call from a restricted number. During the call I indicated that an item had been returned and the alleged creditor had discharged any amount owed and had indicated so to me. XXXX confirmed with XXXX XXXX that the item was returned and credited but said there was a late fee due of {$36.00}. I called XXXX XXXX, who again confirmed that the item had been returned and that their was a fee imposed by XXXX XXXX XXXX XXXX, not XXXX XXXX, a fee charged despite the debt collector indicating on a recorded line that they did not own the debt. Therefore XXXX XXXX XXXX XXXX has no standing to impose a late fee of their own on a settled debt that they didnt own. Such a fee would be a violation of 18 USC, specifically known as collection of extensions of credit by extortionate means. This intention is clear as Credit Associates of Maui/Hawaii blocks their number when calling -possibly because they may be involved in illegal activity. The CFPB has a responsibility to enforce consumer law as mandated by the Dodd-Frank Wall Street Reform and Consumer Protection Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

i am going to waste my time once more to ask for help against XXXX credit card company. I had to close my excellent open account with 0 balance that I had for many years, because XXXX would not allow me to protect myself from fraud by locking acct. So I asked to close acct., now I try to get updated credit bureau report from Transunion , but my XXXX card is no where to be reported, it was there in XX/XX/XXXX. I call Transunion they say there is no record of it and I need to call XXXX to get it reported. I call XXXX, get transferred to XXXX, who tells me, IT IS MY FAULT THE CREDIT BUREAU REPORT WAS REMOVED, BECAUSE I FILED WITH CFPB AND SHE IS SORRY BUT THERE IS NOTHING SHE CAN DO TO GET IT REPORTED TO TRANSUNION. THIS IS EVIL! JUST BECAUSE I TRY TO REPORT WHAT THIS EVIL CO. DID TO ME, THEY HAVE THE RIGHT TO NOT REPORT MY EXCELLENT CREDIT HISTORY? IF I NEVER PAID MY DEBTS, IT WOULD BE REPORTED AROUND THE WORLD, BUT SINCE I WAS NEVER LATE & PAID OFF THOUSANDS OF , THAT SHOWS EXCELLENT LOYALTY & INTEGRITY. THE LAST SMALL BIT I HAVE LEFT. THESE COWARDS HAVE THE POWER TO COMPLETELY ERASE IT FROM MY CREDIT REPORT.
Product: Payday loan, title loan, or personal loan

Paid Net Credit XXXX dollars to pay off a XXXX dollar loan. Then a week later they claimed I owed another XXXX dollars. Very shady I want them to cease asking for additional money. Have already been in touch with legal counsel.
Product: Credit card

Previously I had placed my account on a financial hardship, related to lost of income and moving due to XXXX XXXX  and XXXX. I have completed my hardship requirements but did not understand why I have a balance over {$2200.00}. I called Capitol One and spoke with XXXX. Who stated that, there has been no fraudulent activity on the card, and the card has not been used for purchases only the monthly payments I made. I asked why I am being charged XXXX separate interests rates per month, XXXX ) {$14.00} / XXXX ) {$36.00}. He Informed me that there was a cash advance in XXXX of XXXX for {$640.00}. I questioned that is an odd amount for a cash advance and if that payment was already paid am I being charge fees. XXXX informed me that as long as there is a balance on the account that they can still charge additional interest rates even if the cash advance was paid. XXXX XXXX has received over {$4300.00} from me for an additional interest rate, plus the {$1600.00} interest rate, and the only reason why I have a balance is because its all interest. Total {$6000.00}. I asked if they could send me a copy of the transaction, XXXX stated that he checked with his supervisor and they can only go back XXXX years. I asked send me whatever shows on your screen, he was not allowed to. I asked to please email me a copy of the credit card agreement for XXXX, they said they can not email but it can be mailed and I should receive it in XXXX days. I ask if there was away to remove the balance or decrease it. XXXX stated that as per XXXX years ago, XXXX XXXX no longer provides adjusts to balances. I informed XXXX, that I would be reporting this issue and take any additional matters required. Please keep my personal information confidential, I am a protect person with a confidential address, please it is for my safety.
Product: Checking or savings account

On XXXX XXXX XXXX XXXX I made a wire transfer to XXXX XXXX aka XXXX XXXX for XXXX for XXXX rainbow boas. I informed the bank, Wells Fargo, that the product was not received. I have several emails where he said he had a permit on the XXXX but kept postponing shipment. Then he contacted me again, saying he did not have the permit. I requested videos, etc. he refused to send me official evidence but refused and requested an additional XXXX dollars. I checked the box that stated this could be a scam, so I assumed I was protected if it was a scammer at Wells Fargo. But they sent a letter saying they would not return the XXXX dollars. So I did not receive the products and lost XXXX dollars. I will be closing my account with Wells Fargo. Customer Service was rude, as well. 

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

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate
Product: Checking or savings account

I opened a checking account with Citibank on XX/XX/2021 with an initial deposit of {$5000.00}. in XXXX I began direct deposit from my payroll. Sometime in XXXX I noticed issues accessing the account. I called the bank and was told the account was blocked and under review. However the bank continued to accept my direct deposits. On XX/XX/XXXX I was informed by letter that the account would be closed in 60 days. I attempted to have my funds returned but was told I would have to wait for a check. The bank would not wire the funds to me or allow me to withdraw from a branch. I called again on XX/XX/XXXX ( 60 days later ) to inquire about the funds and was told the account was still not closed but under review. 

I stopped direct deposit in XXXX. The bank still holds {$25000.00} and will not provide a date as to when the money will be made available to me
Product: Credit card

I had an XXXX XXXX during XX/XX/XXXX. By spending money on the XXXX XXXX, you earn dividends at XXXX to spend in the store. I received my dividend recently and it appeared to be XXXX dollars short. On or about XX/XX/XXXX, I called US Bank, who administers the XXXX XXXX, and asked them what happened. I was told by the CSR that yes, US Bank had under-reported what I 'd spent on the card. US Bank reported I spent approximately {$11000.00} during XX/XX/XXXX, when I actually spent over {$20000.00}. I was then told US Bank would research and resolve this issue over the following 10 days. US Bank has failed to this. In attempting to resolve this issue, I have had a US Bank supervisor named " XXXX '' take my phone number and tell me that she would call me back. She never did. Today I called again and spoke with another supervisor. He also told me US Bank was still researching this issue. It has become clear to me that US Bank is purposefully ignoring or delaying the correct reporting of what I spent on its XXXX XXXX to XXXX. This is in direct violation of the terms of the XXXX XXXX credit card and, in a court of law, may be considered a breach of contract. I hope that if other consumers are also having this problem with US Bank, that the Consumer Financial Protection Bureau will take action.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has been adding illegal fees which I know that this account has been paid to the original creditor. I don't have any contractual agreement to this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXXXXXX XXXX XXXX XXXX Balance : {$500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX  Balance : {$500.00} XXXX XXXX Balance : {$0.00} XXXX XXXXBalance : {$87.00} XXXX XXXX Balance : {$25.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Student loan

I was a XXXX XXXX student, at the end of school was given a consolidation with sallie mae- no other program was available. They took XXXX loans ( 1 per year ) and made subsidized and the other one unsubsidized.Why? so I could never re-consolidate soemwhere else-I found out! At the school the financial officer there was a representative from Sallie Mae only. I was given no grace period by Sallie Mae- dispute having to await passing my professional state boards for licensure. I was told to forebear at a significant cost to me. I was married at the time to a fellow student so we had XXXX student loans in effect from Sallie mae. also at the time I had XXXX during my last years of school. My only options were always forbearance- since I was told I did nto qualify for anything else-I had incurred late fees and high interest as result. My original loan was around XXXX that over the years was re-payed at 4-5 times that amount to excessive fees. If I managed to pay twice in one month they advanced the payment instead of applying it to lower my interest and principal. I begged for relief and better programs- daily calling them, and consistently found that what I had agreed to by phone- if I failed to follow up and check- was inaccurate and Not what I agreed to. This created a lot of letters to Sallie Mae in complaints- to no avail. I suffered a XXXX XXXX and again went though their " relief '' program which was only forbearance and late fees. My XXXX- and so the XXXX benefit I later received from that I later took and paid off Sallie Mae in /around 2010 at XXXX at a time I even had to move into my office since I had no place to live. Because of the financial hardships with Sallie Mae, my marriage also ended. My credit report has been a nightmare and very difficult to correct the mis-information that Sallie Mae provided to the XXXX XXXX. Since it shows late, closed and sold, and multiple Sallie Mae accounts that I have to explain to mortgage companies etc. Thus, I used my XXXX rights to benefit to just pay them off. My credit report shows Multiple accounts with Sallie Mae- errors that I cant get them to correct such as : - ACCOUNT TRANSFERED TO ANOTHER OFFICE- STUDENT LOAN PAYMENT DEFERRED- ACCOUNT TRANSFERRED OR SOLD- CURRENT ACCOUNT this makes up about 30 % of my credit score! I must not be alone in this unfair business practice of Sallie Mae and wanted my voice to be heard.
Product: Checking or savings account

Wells Fargo charged me falsely for overdraft fees. XXXX
Product: Credit card

Citibank is not applying excess payments to the highest interest rate. They are claiming a lower rate balance transfer qualifies to be paid first because it has a promotional expiration date. That makes no sense - it 's not an interest free promotion ( deferred interest ) it just means the rate will go up when it expires. This does n't qualify as per the legal requirements.
Product: Payday loan, title loan, personal loan, or advance loan

I started receiving harassing calls regarding a payday loan I never applied for or received.
Product: Credit reporting or other personal consumer reports

I requested a copy of my credit report. Once I got it there were inaccurate information on it. There were XXXX accounts were not listed but they were listed on XXXX XXXX and or Experian please review this inaccuracy and delete the inaccurate accounts
Product: Credit reporting

I was trying to tell Equifax online I have a XXXX balance on a loan. Gave them my correct personal information, and they refused to get me into my records to update the info. I tried three times, received the same inefficiency. This is NOT acceptable for a public agency that handles consumer 's important data. I did not have this trouble with XXXX or XXXX. Equifax needs to improve immediately, or get out of the business.
Product: Checking or savings account

I was charged overdraft fees of {$35.00} when I should not have been charged on more than one occasion.. the funds that were said not to be in my account were in fact available in my account. I was also charged numerous times the XXXX XXXX  monthly fee when I should not have been charged. I met the requirements to not have to pay that {$10.00}. For example last month XXXX they charged me the XXXX XXXX  monthly fee and should not have. As we as the two months before XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting and XXXXXXXX XXXX, has violated my rights. 

15 USC 1681 SECTION 602. A. 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 a account without my written instructions. 
15 U.S. Code 1681a - Definitions ; rules of construction 15 U.S. Code ( A ) subject to section 1681s3 of this title, any 15 U.S. Code 1681b - Permissible Purposes Of Consumer Reports 15 U.S. Code 1681 - Congressional Findings And Statement Of Purpose 15 U.S. Code 6802 - Obligations With Respect To Disclosures Of Personal Information 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies 15 U.S. Code 1681 - Congressional Findings And Statement Of Purpose 15 U.S. Code 6801 - Protection of nonpublic personal information 15 U.S. Code 1681s2 - Responsibilities Of Furnishers Of Information To Consumer Reporting Agencies 15 U.S. Code 1681n - Civil Liability For Willful Noncompliance 15 USC 1692j. Furnishing certain deceptive forms
Product: Credit card or prepaid card

I received a debit card from Webster Bank on XX/XX/2022 and I never requested or applied
Product: Vehicle loan or lease

TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : UNAUTHORIZED INQUIRY To Whom It May Concern : I am a natural person and I am submitting a dispute. I reviewed a copy of my credit report and the companies listed below ran unauthorized credit inquiries on me : XXXX. XXXX XXXX XXXX XXXX  Date : XXXX XXXX. XXXX XXXX Date : XXXX XXXX. XXXX XXXX XXXX Date : XXXX XXXX. XXXX XXXX XXXX Date : XXXX XXXX. XXXX XXXX XXXX  Date : XXXX I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact the companies listed above and investigate such occurrence. 

I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], 15 U.S Code 1681a-Definitions ; rules of construction U.S Code US Law LII / Legal Information Institute , 15 U.S Code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of Information to provide accurate information. 
1 ) Prohibition ( A ) Reporting Information with actual knowledge of errors 15 USC 1681a 2 ( A ) ( i ) - Exclusions-Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 

There should be no charge for this report. In addition, as part of your investigation, please send the names, business addresses and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. If you have any questions or need additional information, please contact me at the address listed below. 

Thank you. 
Sincerely,
Product: Debt collection

to me in XXXX I made a verbal commitment to a XXXX XXXXl, I ended up sighing for it. When that was happening, I was going through a case, that could possibly lead to some jail time.. which it did end up leading to. I went to school for about XXXX week in a half before i had to go through custody. When I got out of jail, I tried to return to the school, the former lady that talked to me and got me to sign up etc., did n't accept me. XXXX years later, I find out they sent me to collections. My credit is perfect right now because I cleaned it, but I just found out I have a adjustment.. That adjustment effects my life on trying to grow with my family because I am a mother of XXXX kids now and I am trying to become a home owner but I ca n't, and I can figure out how and where to solve this.. and I 'm truly seeking for any help you can do for me. 
Thank you for your time