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

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

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: Money transfer, virtual currency, or money service

Hello, I am reporting a case against Zelle for failing to protect my money from fraud of XXXXXXXX XXXX XXXX XXXX  XX/XX/2021 I was scammed from my money from a fake ad the money was sent and received from Zelle.
Product: Student loan

I've had repeated issues with Navient- harassing telephone calls, charging late fees without notifying me, not being flexible with my repayment options ; and forcing me into forbearance multiple times. I've entered into an income repayment plan with the government and even consolidated my loans with XXXX XXXX to get out from under Navient. I don't have the exact dates and all the times i've tried to reason with Navient ; because they're excessive. I can provide an account statement. Technically I don't have to pay them because i'm a graduate student. Not to mention, i'm XXXX and my parents ( co-signers ) filed for bankruptcy. ALL of this, i've tried to tell the company. I don't have an income- and as i've been trying to explain to them multiple times, I can't afford the payments, am sick of being forced into paying fees for deferment ... .etc
Product: Credit reporting or other personal consumer reports

On Friday XXXX XXXX I received a credit alert from my credit monitoring service that a collection account had been added to my credit report. I immediately logged in and saw that XXXX XXXX had added a collection account in the amount pf {$4300.00} to my credit XXXX and XXXX credit reports. I contacted the company and informed them that the account was not mine. The representative told me to contact XXXX. Upon contacting XXXX I was told that I had to submit an identity theft report to have the accounts removed. According to their files the account was opened in XXXX, XXXX  in XXXX. During that time I was still on XXXX XXXX in the XXXX XXXX XXXXXXXX and was living in XXXX, XXXX  and could not have obtained this account. Im attaching to this dispute a copy of my military retirement orders as well as my XXXX showing that my actual retirement date was XX/XX/XXXX and that I retired to XXXX, XXXX XXXX I resided in XXXX, XXXX until I moved to XXXX  in XXXX XXXX.This fraudulent information is causing irreparable damage to my credit file and will affect my ability to obtain credit in the future. Im asking that these accounts be blocked from my credit file until a proper investigation is done to prove the validity of this account in accordance with FCRA 605B ( 15U.S.C. 1681c-2 ). Failure to do so will leave me with no other choice than to report your agency to the state attorney general and seek civil penalties for not being in compliance with consumer protection laws. I have also uploaded a copy of my FTC identity theft report. I sincerely thank you for your prompt attention to this matter.
Product: Debt collection

They are debt collecting against my XXXX year old XXXX, XXXX XXXX ( birthday XX/XX/XXXX ) for {$150.00} dollar hospital fee. I called to advise they can not debt collect against a child and they will not remove the debt even though they violated the law. On XX/XX/XXXX they confirmed the debt is in my childs name on a recorded line and apologized for their error but can not remove the debt.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX  Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : On XX/XX/XXXX, I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made on Time : My payments were made on time, as evidenced by my bank statements and payment confirmation records. These clearly indicate that both payments were processed well before the due dates, and these payments should not have been marked as late. 
Processing Delay at the Bank 's End : There was a delay in the internal processing of payments at XXXX. This caused the payments to be incorrectly flagged as late. After contacting XXXX  customer service, they acknowledged this delay. I have attached correspondence from XXXX confirming that the payments were processed late due to their internal issues, not my fault. 
System Error on Payment Posting : XXXX payment system encountered an error during the posting of my payments, resulting in the payments being marked late. I provided screenshots and support tickets showing that there was a known system issue during the payment dates. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 
As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. I also request that the inaccurate late payment entries for XXXX and XX/XX/XXXX be removed from my credit report immediately. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

I hope this letter finds you well. I am writing to express my deep concern and frustration regarding the numerous attempts made by your organization to remove fraudulent items from my credit file. I believe there may be a misunderstanding or an error in this process, and I am seeking your assistance in resolving this matter promptly. I have been diligently monitoring my credit file to ensure its accuracy and fair representation of my financial history. However, over the past several months, I have noticed several erroneous attempts by your organization to remove fraudulent items from my credit file without my consent. Immediately rectify any inaccuracies or errors related to my credit file that may have arisen from these removal attempts and provide me a written communication confirming the resolution of this matter and any actions taken to prevent such errors in the future. 

I believe in the importance of accurate credit reporting and am committed to maintaining a truthful credit history. However, I must insist that any changes made to my credit file should be based on accurate and verifiable information. I kindly request that you respond to this complaint within exact timeframe and take the necessary actions to rectify this situation. With this issue, I am asking for your assistance to remove the fraudulent items : XXXX XXXX XXXX XXXXXXXX XXXX : {$380.00} XXXX XXXX Balance : {$1400.00} XXXX XXXX Balance : {$810.00} XXXX XXXX Balance : {$6700.00} XXXX XXXX XXXXXXXX Balance : {$3600.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$750.00} XXXX OF XXXX XXXX Balance : {$380.00} XXXX XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXXXXXX Balance : {$810.00} XXXX XXXX Balance : {$6700.00} XXXX XXXX XXXXXXXX Balance : {$3600.00} XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$750.00} XXXX XXXX XXXX XXXX - XX/XX/2022 XXXX OF XXXX XXXX XXXX : {$380.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXXXXXX Balance : {$810.00} XXXX XXXX Balance : {$6700.00} XXXX XXXX  XXXX Balance : {$3600.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$750.00}.
Product: Checking or savings account

I bank with Well Fargo. I have been their customer since XXXX. Thankfully this is the first time ( and I hope the last one ) that I get scammed. 

On XX/XX/XXXX, I attempted to purchase concert tickets and paid {$170.00} dollars. The person blocked all communication as soon as I passed the money, and no tickets were received. This transaction was done via XXXX through Wells Fargo. 

I called Wells Fargo immediately, and they told me that the other individual had successfully received the money and that there was no way to retrieve it. They transferred me to the claim center to file a claim. 

I received an email informing me that it could take up to 10 business days to investigate. It has been over ten days, and as I called their claim center today, WF let me know that the case was closed. No email was sent, and no notification was given that the case had been closed. 

Additionally, when calling today to find out the claims status, the claim representative was rude and lacked empathy. She said that their investigation consists of checking in with the other persons bank, and it is a matter of he said, she said, and they trust the other banks customer. 

Situations like this make me feel very vulnerable at the lack of banks trying to look after our well-being. 


Kind Regards, XXXX XXXX From XXXX, AZ ( XXXX ) XXXX
Product: Checking or savings account

On XX/XX/2021 I received a letter dated as of XX/XX/2021 informing me that due to a recent review, Citibank decided to close my checking account. They also mentioned that the account will be closed on XX/XX/2021 but my debit card will be canceled 5 days before that. 

They provided a phone number, so I called to ask why, without any response, they asked me to go to a branch and they would help me out. At the branch they told me they couldn't help because the account was already submitted to be closed. I called to the number they provided and told them that branch couldn't help so they gave me a number and a name of the person who made the decision to close. I've been trying to reach out to this person to ask her about the details of why they decided to close my account, without any success. I've been calling everyday since, leaving voicemail with my information, and never received a call back. 

Last Friday when I called customer service again to explain that I couldn't communicate with the person in charge of the decision, they suggested to go to a branch again since they would be able to help me start a cancellation process. So today, I went to a branch and spoke to an executive, she confirmed that there's nothing else to be done and that the decision has been made. She mentioned two important things in regards of the closing process : 1. Excessive flow of cash.

2. Business activity in a personal account. 

I asked her how much is excessive and she couldn't give me more details in regards of the amount nor the activity that is causing the closure. 

In the end, they are going to proceed with the closure of my account and I still don't know why. I use this account to send money to XXXX for personal expenses that I make on a regular basis ( as lots of people do ). I've been doing this for the last 10 years without any problem and suddenly they decided to close it and no one can give me a straight answer on what I did wrong. 

Also, worth to mention that the treatment that I received, from the executives I talked to in the branches, was very unkind, as if I were doing some sort of criminal activities and they wouldn't want to share any details with me. They just saw the letter and changed their attitude towards me.
Product: Credit card or prepaid card

I applied fir CC with citycards in XX/XX/2018 and today is XXXX  XXXX and card has not arrived yet. I called several times and nothing yet
Product: Debt collection

XX/XX/22 [ {$1500.00} sent too debt collector i try to file a dispute the name is cmre financial services , inc from XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never authorized anyone to make enquiries on my behalf, nor have I done it myself. From XX/XX/XXXX, until XX/XX/XXXX, I sent letters with entire attachments of my personal data and credit reports. However, the requests I made were purposefully ignored and denied, which I thought was unprofessional on the part of the Bureaus. This will be my final effort to ask for all paperwork to be given to me and issued. If my request is not complied with, the following unauthorised inquiries should be immediately removed : XXXX XXXX XXXX Inquired XXXX XX/XX/XXXXXXXX XXXX  Inquired on XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX  XXXX Inquired on XX/XX/XXXXXXXX XXXX
Product: Credit card or prepaid card

Card opened XXXX XXXX-I was employed. Needed to rebuild my credit so took this card out with annual fee. XX/XX/2013 lost my job ; I had the coverage on card if I became unemployed>whereby it picked up the payments. Secured new job ; was told I could still use card. Fast forward to XXXX-I noticed my card was 'not available ' for use. I called Capital One and was told the account was closed due to lack of home address ... my mail goes to a XXXX XXXX . Ok, so they closed my account without telling me. Then I asked for the yearly fee or a portion to be refunded and was told 'NO '. My recent conversation with them I spoke with XXXX-he told me I only had 40 days from date account was closed to request that refund. Now ( A ) I never knew the account was closed and ( B ) how come not one other agent ever told me this policy? I want a full refund of the {$60.00} annual fee. It's not my fault this company neglected to secure all proprietary information. and if the original bank who wrangled me into this account sold it off to Cap-One - again NOT MY PROBLEM. I want a credit on my account and will never ever use this bank again.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Reinvestigation and Removal of Charge-Off Account # XXXX To Whom It May Concern, I am writing to dispute the accuracy of a charge-off listed on my credit report under the account # XXXX. I have received a 1099-C form for this account, indicating that the debt was canceled. According to the Internal Revenue Code ( IRC ) 6050P, a 1099-C form is issued when a creditor cancels a debt of {$600.00} or more. This means the debt has been legally forgiven and should no longer be reported as a charge-off.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. As the debt has been canceled and a 1099-C form has been issued, the reporting of this charge-off is both inaccurate and misleading.

I request that you conduct a reinvestigation of this matter under FCRA 611 ( a ) ( 1 ) ( A ) and remove the charge-off from my credit report. If the information can not be verified, it must be deleted from my credit file according to FCRA 611 ( a ) ( 5 ) ( A ).

Please provide me with written confirmation that this item has been corrected and removed. If you are unable to verify the accuracy of this information, it must be deleted from my credit report as required by law.

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filled bankruptcy XXXX  XXXX in XXXX of XXXX. My car loan was included in my bankruptcy. Bankruptcy trustee handled all payments to creditors. XXXX XXXXXXXX XXXX reported about 10-12 late payments on my credit report while I was in bankruptcy. Dates are from XXXX also from XXXX. XXXX XXXX provided a number on last complaint to call to discuss this matter upon calling the number I was told XXXX XXXX  doesnt have a department to help me with this and they dont discuss credits over the phone. There is no way to get this resolved. XXXX XXXX  stated in last complaint that they have no record to show when I made payments to bankruptcy. On this complaint I have provide complete bankruptcy payments history to show I was never late paying bankruptcy. I would like XXXX XXXX  to prove that I XXXX XXXX made late payments not my third party. I was told by bankruptcy lawyers that while in bankruptcy creditors can not add late payments to my credit report being that payments are made through bankruptcy trustee not me. XXXX XXXX stated in last complaint that since I did voluntary dismal I was not protected by bankruptcy XXXX XXXX  was paid in full XX/XX/XXXX voluntary dismal was made XX/XX/XXXX well over a year after XXXX XXXX  was paid in full. I had XXXX accounts added to my bankruptcy XXXX XXXX  is the only account that reported late payments while in bankruptcy, this is a clear violation of my rights protected by bankruptcy and for this I would like XXXX XXXX XXXX  removed from my credit report. I feel they have violated my rights and dont provide a phone number or department to help resolve this matter. 

I have attached complete bankruptcy payments history from XXXX as well as payment history from bankruptcy trustee.
Product: Mortgage

We closed on the refinance of our home the end of XX/XX/XXXX. We do live in a flood plain and have had flood insurance since we purchased the home in XXXX. Our refinance was done by XXXX XXXX XXXX and was transferred to XXXX XXXX in XXXX and then on to NewRez in XX/XX/XXXX. The flood insurance was figured into the closing, the amount that we had been paying for 8 years, but during the refinance, we had an appraisal and our home appraised out at a higher rate. The end of XXXX we heard from NewRez stating that they had no evidence that we had flood insurance and if we couldnt provide proof, they were going to place lender-placed flood insurance. I immediately sent them the paperwork and approximately 3 weeks later, they sent paperwork back stating that it wasnt enough insurance on the house and we needed to increase the flood insurance. I contacted my insurance agent and she increased the amount and sent out the new paperwork but because they have several addresses she sent it to the wrong one. Therefore, approximately 3 weeks later I received another letter stating they were placing lender-placed flood insurance. So, I called them, explained what happened, sent the the updated paperwork and thought everything was fine. My flood insurance policy has to be renewed every year and the renewal was coming up the end of XX/XX/XXXX. I received a statement from my flood insurance policy stating that my flood insurance had expired. So, I called NewRez and asked them why they didnt pay it and they said they didnt know it was to come out of escrow, even though I have the closing paperwork that proves otherwise. So, they took the money out of escrow and paid it. I thought it was straightened out. Then, about 1 month ago, I received paperwork of an escrow analysis for the coming year and they had the lender-placed flood insurance included in the escrow analysis for the year. So, I called them again and they said they fixed it, and about 3 weeks later I received an updated escrow analysis. But, they are still charging me for lender-placed flood insurance from XX/XX/XXXX through XX/XX/XXXX because the insurance wasnt at the higher rate that we changed it to when it was renewed. I feel that I should not have to pay this since I had flood insurance on the home at this time. I feel that because they have made so many mistakes, I just want to make sure that what they are doing is right.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding Barclays USAs handling of my JetBlue credit card account ending in XXXX. Recently, Barclays unilaterally reduced my credit limit, which caused an immediate and significant increase in my credit utilization. As a result, my account was reported as " over the limit, '' which has severely impacted my credit profile and made it nearly impossible for me to obtain a debt consolidation loan. 

This action by Barclays not only led to an increased utilization rate but also negatively affected my payment history as reported on my consumer reports. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681a ( c ), the law defines a " consumer report '' and excludes " transactions or experiences '' directly between the consumer and the furnisher. The FCRA was structured by Congress to ensure that such information, including utilization and payment history resulting directly from credit limit changes, is not automatically included in consumer reports. 

By reporting my utilization and payment experience resulting solely from their unilateral credit limit reduction, Barclays USA has effectively violated my rights under the FCRA. This reporting has led to unfair consequences and undermined my ability to responsibly manage my finances by affecting my eligibility for debt consolidation options. 

I am requesting that Barclays USA take corrective action in the following ways : Immediate Removal of this Account from All Consumer Reporting Agencies I request that Barclays cease all reporting of this account to the credit bureaus to comply with FCRA regulations regarding the exclusion of direct transactions or experiences. 

Adjust Utilization Reporting Alternatively, if Barclays intends to continue reporting this account, I request that they revise the utilization rate to reflect no more than 5 % utilization. This adjustment would better represent my financial responsibility and eliminate the damaging effects caused by Barclays decision to reduce my credit limit without consent. 

Thank you for your attention to this matter. I am hopeful that the CFPB will assist in ensuring Barclays USA upholds my rights under the FCRA and takes immediate corrective actions to address the harm caused by their actions.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am being pursued to make payments on an XXXX account that I am currenly using. The amount being so called requested is now up to {$800.00} which I am refusing to pay. this account was opened in XX/XX/2018 and the XXXX is and has always been in my car. The City of XXXX XXXX and The State of New York and now a LAw firm in Texas wants money. There not going to get any money from me. 

New York State takes money out of my account each and every month for my XXXX tolls and saying I owe them money and now facing fines of & XXXX and revokeing my car registration. I couldn't give XXXX if they have my vehicle on cameras. MY XXXX IS ATTACHED TO MY WINDOW AND HAS BEEN IN MY VEHICLE SINCE XX/XX/2018 XXXX