23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

My complaint wasn't that Ally disabled my online portal so I can no longer use my bank information on the portal. I totally understand I had a few returns checks and that's why I can't use the portal. My issue is that I was told to use a 3rd party biller to send payments or mail in money order but state I only can use XXXX XXXX or XXXX XXXX to send payments which they charge XXXX $ XXXX $ to send payments. This is a form of punishment. I can set up an online account with XXXX XXXX and XXXX XXXX use my debit card to make the payment. With that being said I asked the question why can't I use the XXXX XXXX XXXX XXXX that Ally uses on the portal that charge XXXX $? When I attempted to use XXXX and put my account number in it's as if I don't have an account with Ally it couldn't be found. What's the difference they are also a 3rd party biller? I could not get a direct answer from any of the representatives. I also submitted payment through XXXX another 3rd party biller that charges XXXX $ that payment wasn't even applied until I called Ally why? When I asked the representatives no one can give me a direct answer to my questions. Why is that? I believe Ally gets some kind of kick back or incentive for forcing/bullying consumers to only use XXXX XXXX and XXXX XXXX or their payment won't go through which is not right and I am having their practices investigated and possibly file a civil suit against this company. Ally please don't response with these generated letters or sending me my loan contract or telling me about my declined payments that resulted in not using the portal these things are not the issue. The bullying of your consumers into using certain 3rd party billers is my issue. The lack of getting clear and direct answers to questions asked is my issue. Not requesting use of the online portal I am searching for a new lender but would like access to checkfree 3rd party to make payments until I can be removed from Ally
Product: Credit reporting, credit repair services, or other personal consumer reports

I notified the credit reporting agencies, letting them know that I knew nothing about the account on my report. They have refused to validate it with my last complaint. Then I take a look at the collections agency information, and it shows that they are not licensed to collect a debt in North Carolina. I notified the credit bureau and they send a letter asking for verification, when I have already verified my account with the appropriate social and ID. Which is the same one that I have used multiple times now they are saying, it does n't match my account. Just another  one  of their stall tactics. The Collection account from "   XXXX    XXXX   XXXX  '' needs to be removed and blocked from my credit report. Upon doing additional research it shows that this collection agency is not licensed and bonded to collect a debt in the state of North Carolina. This collection agency has n't been licensed since  2010 . So my question is, how is a collection agency that is not licensed allowed to collect a debt. Equifax has violated my rights as a consumer, along with "  XXXX   XXXX   XXXX  ''
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am submitting this formal complaint regarding multiple unverifiable and inaccurate accounts that are being reported on my credit file. These accounts are not valid, lack proper verification, and are in direct violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i - Procedure in case of disputed accuracy. 

I am disputing the following accounts, as they contain erroneous, outdated, or unverifiable information : 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 TRUEACCORD C XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$50.00} Legal Basis for My Dispute : Under 15 U.S. Code 1681i, when a consumer disputes the accuracy of an item, the credit reporting agencies and furnishers are required by law to : Conduct a reasonable reinvestigation within 30 days Verify the debt with documented proof ( original signed agreements, billing statements, and account records ) Delete or correct any unverifiable or inaccurate information These creditors have failed to provide sufficient documentation verifying these debts. Because these debts are unverifiable, they must be removed from my credit report in accordance with FCRA guidelines. 

Actions Taken : I have disputed these accounts directly with the credit bureaus ( XXXX, XXXX, and XXXX ), but they remain unverified. 
I have contacted some of the creditors, requesting debt validation, but they have not responded with proper documentation. 
I am escalating this matter to the CFPB, as my consumer rights under the FCRA have been violated.
Product: Checking or savings account

I have a checking account and a savings account with Chase.

I learned today that Chase has been deducting a $ XXXX service fee from my savings account since XXXXXXXX XXXX XXXX, despite my having both types of accounts. ( see XXXX XXXX XXXX XXXX I spoke to Chase 's customer service representatives who acknowledged that the accounts should have been linked and reversed one of the fees, but not the other XXXX. I asked to speak to a supervisor who told me that they could only reverse one fee of this type per calendar year. I asked them if there was anyone at Chase who would be able to review this and was told that they did not have a supervisor available and that even a supervisor would be unable to reverse the other improper fees.
Product: Checking or savings account

I have been trying to link my account to several apps and or banks to have full control over my financial situation. XXXX, XXXX ( XXXX XXXX ), XXXX, My bank at XXXX, all offer online account access via online banking and can link accounts with your login, as long as TD allows the 3rd party access. I have contacted TD about this issue 4 separate times, 3 times calling them, and once in person. Every time they assure me that they allow 3rd party account access and recommend using one of their " approved apps ''. I want and have the right to be able to access my financial data.
Product: Vehicle loan or lease

Car was totaled out from a car accident. The insurance company XXXX told me that they paid off my vehicle. I started receiving calls from the XXXX XXXX Ally Financial saying that I still owed {$100.00}. XXXX says that they paid the car off and that I shouldn't have owed anything. They keep harrassing me raising the cost each month. I am a victim of Hit and Run with internal injjuries and don't have the extra funds.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX and XX/XX/XXXX XXXX. I made 2 payments towards the loan. I started to receive phone calls telling me I was late for XXXX payment. After checking the transactions on their website it showed I didn't have a payment due until XX/XX/XXXX. After receiving the 1st phone call I checked the website again and found the 2 payments had been returned. At this point I was late. I called my bank XXXX XXXX and asked why the payments were stopped and was told that both should have gone through and there was no flags at all on this account. I spoke with XXXX from XXXX and he said they didn't have the ability to return a payment and that XXXX XXXX had stopped both payments. After reviewing the transactions since this loan was first started I saw strange principal/interest payments one month very low then the next month extremely high. Now that these 2 payments were returned I have to pay by debit card and pay transaction fees. This is not the first time I have issues with this company as you can see in my account history. I blame myself for getting involved with them again. But there's something very wrong and under handed with these people. Thank you, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services, XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following account you are publishing about me is [ inaccurate or incomplete or inaccurate and incomplete ] XXXX XXXX. with account number... ... XXXX XXXX XXXX XXXX XXXX XXXX } IDENTITY THEFT ; using my identity to report inaccurate information FRAUD This account has the wrong balance I request that you VERIFY this information and provide me with copies of any documentation associated with your investigation. In the absence of any such verification, I request that this information be immediately removed from the credit file you maintain under my Social Security Number. Also, please remove all non-account holding inquiries over 30 days old and add a promotional suppression to my credit file. Lastly, Credit reporting agencies are required by federal law to obtain a consumer 's consent before publishing information in their consumer files. I also do not consent to you making money from the use of my name. Enclosed are copies of ID and proof of mailing address. Sincerely, A COPY OF THIS LETTER WAS ALSO MAILD ON ( XXXX ) TO EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXA COPY OF METRO-2 REPORT IS ALSO PROVIDED SHOWING ALL INACCURATE INFORMATION THAT IS REPORTING ON THIS ACCOUNT sincerely.
Product: Money transfer, virtual currency, or money service

Wells Fargo this issue is not resolved Now they are saying something totally different I redeposited as they requested after waiting 10 days to receive it in the mail Now they rejected the money order again without calling me I looked on line again to find out they rejected deposit Now they are saying no funds available So now they are sending me a letter a new letter and copy of money order Shouldnt the bank be able to find out why this money order was flagged again because they cant tell me they just say suspicious or fraudulent what exactly does that mean to me? 
Who rejected it?
Product: Debt collection

This account is appearing on my credit report along with 2 others that share the same address. I 've never heard of these companies. I 've written to them asking for debt validation and something with my name on it stating I agreed to do business with them. This was over 30 days ago. I sent the same letter to the credit bureau however they have failed to provide me with anything from these companies as well.
Product: Student loan

I have incurred loans through XXXX when I attended XXXX University as well as when I attended XXXX. During a period of hardship, my loans went into default. In contacting my loan servicer, I was advised that the only option I had available to get out of default was deferment. I also was not told that I had to call and resubmit deferment paperwork each year thereafter. If you look at my account, you will see that I have n't done anything else after this time period. My loans have continued to accrue horrendous interest rates, and I am still in school, attempting to gain my XXXX degree, and I owe over XXXX dollars. I am a mother of XXXX, please help ... ....
Product: Payday loan, title loan, personal loan, or advance loan

I have sent OppsLoans letter on XX/XX/2024 for validation debt and to provide my wet ink signature of this loan. I have no knowledge of this loan that has been takinng out in my name.
Product: Debt collection

Received a call from a XXXX XXXX XXXX on XX/XX/XXXX. Zenco Firm, the first time, but it is actually Zenco Collects. Tel. number XXXX # XXXX Has website with numerous negative reports. Real collectors, supposingly will not verbally abuse someone or make threats against them. XXXX XXXX XXXX associate a XXXX XXXX phone number XXXX XXXX XXXX # XXXX case # XXXX, attorney for the State of Texas.??????
Right off XXXX XXXX threatened to compromise my social security card number in which she had along with my drivers license. She said I owed over {$17000.00} from this debt in XX/XX/XXXX. She was willing to accept {$560.00}.
Again she threatened putting a lien against my condo and car. I asked her how she got the information. She said they were debt collectors.
When she told me about my social security, I knew it was a scam. But I was upset about her knowing my ss # and license #. Since that date she and her associate continue to harrass me via phone calls but dropped the ss # They are very good ad threatening people, especially senior citizens. They have all these legal words and recording numbers .Also they would only accept payments thru XXXX card or check - no payment plan. I saved all their phone calls on my voice mail. I am anxious about their knowing my home address.
Check out their website. zencocollects.com I need this stopped ...
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Product: Credit card

CFPB Case # XXXX JCPenny Credit Card Acct XXXX XXXX CFPB closed my complaint after company 's response, -- yet they have no record of account, -- and I do! ( see below statement ) XXXX XXXX Senior Specialist, Thanks for your response however it is not justified! You mentioned that you can not produce nor is there any records of my account during the year 2018, -- yet I have the proof ( copies ). This further proved my theory that this was an inside job and this individual intentionally and deliberately sabotaged my account!

The {$1800.00} payment, that I made was in 2018, and this payment was applied directly to different month whereby my account accumulate unjustly late fees, of which I paid, the following month. If you have NO record how can you dispute this? I have the records and can prove it! Whoever this individual was he/she ensured that I repeatedly received late fees despite me paying my bill on time. In addition, and for the record, at no time did I ever pay the required amount, -- I always paid more except for the {$1800.00} payment. 

You are more than welcome to get a copy of my documents for the year 2018, -- the year where all the errors occurred! I would have submitted them as, along with my initial complaint, but CFPB limits the amount of supporting documents. Trust that I am aware of how credit cards, late and interest fees apply however this is not the case regarding my account. 

Understand, that I am not seeking any handouts only what is rightfully owed to me! what I am seeking is money that I npaid in unjustly, unwarranted late fees, -- when I actually paid my bill on time. Also, there is an item that I did not purchased and I would like this refunded as well. While all this was taking place, I called, visited the store etc but could never get it resolve. Also, the name I provided when submitting my complaint is my actual birth given name, and it is the name on my JCPenny Credit Card. 

How would you like me to forward you my evidence file? 
Respectfully, XXXX XXXX XXXX XXXX as it appears on my JCPenny Card )
Product: Credit card or prepaid card

On or about XX/XX/2022 I received an offer in the mail stating I was approved for a credit card with Milestone. The credit card offer states I have until XX/XX/2022 to accept a {$300.00} limit and approved until XX/XX/2022. I also have personal code that approved the application. On or about XX/XX/2022 I went in to enter my information to open the credit card and was denied. Than I tried again and was re-directed to a website called " XXXX  '' which looks to be a furniture website.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX/XXXX  under the account number XXXX with a balance of {$16000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$580.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to get credit for XXXX XXXX and they turned me down because there is a security Freeze on my account for my protection. They flat refuse to recheck my credit. Then XXXX refused to provide a credit report based on the Date being today that Google rejected my credit application, XX/XX/2017 as invalid date for requesting a credit report for an adverse action taken against me as I was notified instantly by Google that I was refused credit and need to pay full price for a cell phone, and XXXX instantly refused to provide a report indicating why. Both Google and XXXX credit reporting agency are at fault here.
Product: Credit card or prepaid card

I received dental treatment and was promoted XXXX XXXX credit card at the dentist. So I signed up for the card at the dentist. Later, I learned that CFBP ordered in 2013 that for any transactions over {$1000.00} they can not sign up unless I call, but that wasn't the case. I put the payments in my bank 's autopay to have a peace of mind, and neither received my statements via email nor any physical mail. 

I recently wanted to look to see if it was fully paid off, and realized I was charged over {$2200.00} of interest by them. I contacted about the reason, and wasn't helped. I consider this as a scam, and I will seek legal counseling to sue if I can not resolve via this channel. They breached 2013 CFBP rule as well as never sent me my statements.
Product: Credit card

Fraudulent charges on my Visa card attached to my Venmo account.
Product: Credit card or prepaid card

Complaint for {$2.00} minimum interest rate charge. 

I try to keep a XXXX  balance on my Macys credit card. 
I had a zero balance. 
XX/XX/20 charged {$68.00}. 
XX/XX/20 I went to pay my balance but it said it was {$70.00}. 
XX/XX/20 I paid the {$70.00} for fear that if I didnt, it may cause me issues. 
XX/XX/20 I called and spoke with Macys. 
The representative said he would speak with someone about reversing it and put me on hold. He came back a few times and said he was completing it. Seemed like he didnt want to answer what it was for other than to tell me that it was a minimum interest charge. He was very quick each time to keep me on hold. 
He came back and said the reversal was complete. When I asked if I was to expect it to happen again and why was I being charged this, he disconnected the call. 

I shared this with a friend and she told me that the same thing happened to her so she cancelled her credit card. 
I dont want to cancel my card but have never been charged a fee like this previously on my Macys card.

Is it ok for them to do this? Seems a bit sketchy to me and with the millions of Macys card holders out there, {$2.00} for each adds up to a lot of money. 

Attached are : the receipt for {$68.00} on XX/XX/20. 
Statement showing the {$2.00} fee. 
Snippet of the {$2.00} fee. 
Statement closing date of XX/XX/20 showing the {$2.00} balance.
Product: Credit reporting or other personal consumer reports

I DONT RECOGNIZE THIS ADDRESS, PLEASE REMOVE ASAP : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX is XXXX XXXX XXXX XXXX I should only have 1 name listed on my credit report. Please remove all other names listed on my report, for it is inaccurate information. 
**They are all listed on the affidavit that's attached to complaint.
Product: Credit reporting or other personal consumer reports

COMPANIES : XXXX XXXX BALANCE {$10000.00} ... .ACCT # XXXX XXXX XXXX  {$20000.00} ... ACCT # XXXX POSSIBLE FINANCE {$58.00} ... ACCT # XXXX XXXX XXXX {$9300.00} ... ACCT # XXXX ALL THESE COMPANIES ARE REPORTING BALANCES ( INACCURATE REPORTING ) THEY DID NOT PROVIDE 1099-C FORMS ALLTHESE ACCOUNTS ARE CHARGE OFFS WHICH IS NOT CONSIDERED INCOME ACCORDING TO THE IRS, AND ACCORDING TO THE CREDIT BUREAUS INCOME CAN NOT BE REPORTED TO YOUR CONSUMER REPORT
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 

Addresses : XXXX XXXX XXXX XXXX XXXX, Al XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXX XXXX XXXX XXXX XXXX XXXX Al XXXX Accounts : XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles dispute resolution process, particularly in light of the recent CFPB lawsuit that has brought to light significant shortcomings within the platform. Despite being a frequent user of Zelle and reporting multiple discrepancies, I have encountered inadequate investigations by both my financial institution and Zelle. I was informed that recovering lost funds and tracking these transactions were not feasible. The CFPBs findings further underscore Zelles failure to adequately protect consumers, enabling repeat offenders to exploit the platform and leaving users vulnerable to scams. This lack of accountability and transparency is deeply troubling and raises serious concerns about the safety and integrity of the system.