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

so I was trying to make a purchase with my debit card online and it was declined, I am aware that it would have been an overage but that is what my over draft protection is for I thought, I had to get a new account because my wallet got stolen and my acct and routing number was in there, and when I got this new acct my overdraft protection was apparently put the same as my old acct but with my old acct I could overdraft up to {$100.00} and it would still approve it without any problems.
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns regarding Zelle 's handling of disputes 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 's 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. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

This is my 19th 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan

I took out a payday loan in 2012, I lost my job shortly thereafter and they kept charging my bank account. I eventually closed my account and paid the overdraft fees of approximately {$140.00}. I have moved a couple times since then due to my fiancee 's work and and my family is receiving threatening calls from a lady who states she is issuing a felony warrant for my arrest due to non-payment. I contacted her yesterday, as per I was a XXXX, and told her she is in violation of the FDCPA and to stop contacting my family. She said she will contact whoever she wants and in XXXX hours there will be a felony warrant issued for my arrest. Her name is XXXX XXXX, with XXXX, XXXX and XXXX out of XXXX, her phone number is ( XXXX ) XXXX. She has given third party information to my sister in XXXX, my mother in XXXX, and is contacting my sister 's husband on his cell phone.I asked her to cease and desist all verbal communications and to contact me via email, she became irate and started yelling and screaming that she 's coming for me. I was at work, so I just hung up.
Product: Credit reporting or other personal consumer reports

I am writing to urgently request your immediate intervention in addressing a critical issue concerning fraudulent items on my credit report, despite multiple unsuccessful attempts to rectify the situation. The gravity of this matter requires prompt action to safeguard my financial standing and protect against further damage. Despite submitting disputes, the fraudulent items on my credit report persist, causing significant distress and compromising my ability to make informed financial decisions. Attached to this letter, you will find supporting documentation, such as police reports, identity theft affidavits, and any other relevant evidence, to substantiate my claim and facilitate an expedited resolution. I am well aware of the Fair Credit Reporting Act ( FCRA ) requirements for prompt investigations and removal. I request that all relevant creditors and parties involved be promptly notified of the fraudulent nature of these items and that necessary steps are taken to expedite their removal. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX  XXXX **** Balance Owed : {$11000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$10000.00} ; XXXX XXXX XXXX Balance Owed : {$29000.00} XXXX XXXX XXXX XXXX Balance Owed : {$6800.00} ; XXXX XXXX XXXX Balance Owed : XXXX ; XXXX XX/XX/scrub>/2023 .
Product: Debt collection

I became aware of this collections by viewing it on my credit report, by this company falsely putting this collection on my report has lowered my credit score and cause a missed credit opportunity.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report, I have been disputing fraudulent items. The things are neither removed from my report nor do they appear to be under dispute. My credit score has been impacted by these fake things because the bureaus appear to be ignoring the pattern. If the things claim to be mine, I have asked that an investigation be opened and that verifiable documentation be provided. ENOUGH is ENOUGH for me! How much documentation is necessary to actually get someone to do something? ASK TO VIEW THE ATTACHMENTS! NOT IN ROCK SCIENCE, THIS! I've provided the documentation you requested. ANOTHER TIME, AGAIN, AND AGAIN! This is my final resort before I discuss this with my attorneys and file a lawsuit to recover all damages and money due. Please eliminate it right away. 
XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report and came across 7 unauthorized inquires dated from XX/XX/2021. I would like these inquires removed at once, due to the negative impact it has on my credit.
Product: Checking or savings account

I charged {$80.00} on XX/XX/23 at XXXX for groceries on my Capital One Quicksilver credit card. I used my Capital One checking account XXXX XXXX XXXX to pay the {$80.00}, and {$80.00} was deducted from my checking account. The payment had not registered on my credit card by XX/XX/23, so I called Capital One to find out why. They started an investigation, meanwhile crediting my credit card with the {$80.00} payment subject to their investigation. On XX/XX/23, the bank informed me that the payment had been processed correctly and my claim was denied. They then took back the {$80.00} credit that has been temporarily issued to my credit card. The {$80.00} payment made through the XXXX XXXX XXXX never showed up on my credit card, but WAS subtracted from my checking account. The bank refuses to accept any responsibility for where my {$80.00} went, instead bouncing it back and forth between the credit card division and the checking account division with no resolution for me. I want an admission from the bank that they made a mistake and the {$80.00} refunded to my checking account. They stole this money and they refuse to do anything to fix the problem. One more thing : I got one of their XXXX  to get the bank to credit another {$80.00} to my credit card. This action still leaves me vulnerable to their whim regarding taking back that credit. They can have that {$80.00} back as soon as I am refunded the {$80.00} to my checking account where they can no longer access it. And banks wonder why we do not trust them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to non-compliance with the CRA ( Experian ). 

They have failed to remove information and have failed to perform a proper investigation. 

I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. 


1. Negative monthly activity reporting after the account was charged off in XX/XX/XXXX is a violation 2. It reports the Charge Off was in XX/XX/XXXX which means " Account Closed but also shows a closing date in XX/XX/XXXX. An account can not have 2 closing dates. 
3. It also states this account was sold to another Lender but never reported who the the new lender is in my credit file. That is a violation. 
4. Experian claims to have certified this on XX/XX/XXXX as being accurate but they have XX/XX/XXXX listed in the " Status Updated '' area which further confirms they DID NOT perform an actual investigation on this account 5. I have repeatedly requested the Method of Verification used and to date no information has been sent to me via mail or email. 

All of these errors are being done and they have refused to remove the account as requested due to inaccurate reporting.
Product: Checking or savings account

I deposited money money on XX/XX/XXXX the amount being XXXX then an additional XXXX when the atm I was using restarted. I looked in my account and didnt not receive the money I put into the atm. So I called the next morning someone put the claim in for me but they put it in wrong saying it was a check not cash. I then had to put another claim in which was about a week later where they gave me a provisional credit. Then XX/XX/XXXX the provisional credit was taken out of my account put my savings in the negative XXXX XXXX.
Product: Debt collection

In XX/XX/XXXX there was XXXX medical bills supposedly owed toXX/XX/XXXX and professional collector corporation was collecting for them that was on my XXXX report. The bills couldnt be validated so they were taken off my credit report. So XXXX took one of the bills that was dated XXXX this one was already disputed and removed since it couldnt and wasnt validated. Theres another bill one for XXXX again this bill was fake as well since I havent been to any part of XX/XX/XXXX for at least 5 months. The last time I went to XXXX was when I had a XX/XX/XXXX back in I believe it was XXXX of this year. XXXX decided to take these bills without varifying each of these bills. Then XXXX dropped the one bill for XXXX. XXXX still left the other bill on my credit report for XXXX. This bill is false. There needs to be action taken since they must have gotten some type of kickback to take the chance of getting a fine by the ftc. I will make a complaint every single time they say XXXX has done nothing wrong and keeping a fake bill that is not verified on my credit report. So until someone does something I will just keep making complaints against XXXX, XX/XX/XXXX and the credit bureau if I have to.
Product: Mortgage

In XXXX I requested forbearance due to income issues due to XXXX. I received 2 extensions ( ended XX/XX/XXXX ) At that point I requested paperwork to see what my options were at that time, including but not limited to loan modification. I never received the paperwork. In XXXX of XXXX I requested the paperwork again. The only option I had at that point was a loan modification. I started the process and finally got it approved and settled in XXXX. I met all the requirements of the loan modification during the trial period. The loan modification was officially finalized on XX/XX/XXXX. 
SInce XX/XX/XXXX I have been trying to get dates and letters from Citizen so that I can refinance with another institution. I have even had conference calls with loss mitigation, customer service, my mortgage broker, and the perspective new lender outlining all the information that is needed, and STILL have not been able to get basic information that we need. We have even faxed the request to both customer service and loss mitigation, but to no avail. 
The information we need is : .1 The date of the end of the final forbearance .2 Documentation or confirmation the borrower applied and submitted documents at the end offorbearance.

3. We need verification demonstrating the borrower applied for modification at the appropriate times. 4. Timeline of application for modification and when the servicer approved the modification.

5. Payment plan prior to modification.

We need to see the borrower met all forbearance and pre-modification agreements with the servicer.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 Genesis Collection agency has stated I owe an amount of {$12000.00} from a apartment complex called XXXX XXXX XXXX XXXX I have reached out to the company regarding the matter and they have not yet sent anything regarding proof of ownership.
Product: Vehicle loan or lease

On numerous of different occasions, I've contacted Bridgecrest formally known as XXXX XXXX about my XXXX XXXX XXXX. Between XXXX- current, I've spoken to several different representatives about how we could get the loan paid off. After speaking with several representatives there they informed me that our maturity date was XX/XX/2019 and we have 90 days after that to get the final payment made to gain ownership of the vehicle. My husband and I worked out a payment plan that fit our budget to get this vehicle paid off. Our final payment date should be no later than XX/XX/2019 from what the last rep provided us with. Not until I received an XXXX alert stating that my credit had been updated with a new alert around mid XXXX is when I begin to worry again. Once I got the alert I contacted the company again asking why was it a mark on our credit? The rep then stated well yes we give you 90 days after the maturity date but every month after XXXX you will have a derogatory mark on your credit and when the final payment is posted it will show paid off in a delinquent status due to not paying it off on the XXXX maturity date. After expressing how frustrated I was with the company and the lack of information being given all they could say is they understand and apologize for no one telling us if the car wasn't paid off by the maturity date it will show late every month for the following 90 days. These lines are supposed to be recorded so us a customers have to suffer with the negative impacts on our credit due to the company employees not telling us what to expect for us not paying it off by the maturity date and using their next option of paying it off within 90 days afterwards. This doesn't impact anyone credit other than my husband and I, this was a very bad business practice and I will never want to do business with them ever again. I'm glad I know this now because I have another veh due to mature early next year and I now know to work to get it paid off before the maturity date and not use the 90 days after that they advertise so they can collect more money and ruin our credit more. We are working to purchase a home and I've told the company this is on several occasions, it's sad how they can treat people and not be held responsible for their actions but they want us to pay on time and penalize us for taking advantage of their 90 day after maturity date pay off option not knowing that this would be reflected on our credit negatively. We've dealt with them over 5 years and this isn't the first time that we have received incorrect or inaccurate information. If something like this is offered the company and its employees should have to tell you that it will show negative on the credit for you needed the additional time that they allow to pay on the loan.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX  Account Number:12 Account Name : XXXX  Account NumberXXXX has violated my rights. Or a list of inquiries : 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: Credit reporting or other personal consumer reports

I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report, which I submitted on XX/XX/year>. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I demand an immediate resolution. 
Unauthorized Inquiries XXXX - XX/XX/year> XXXX - XX/XX/year> XXXX XXXX - XX/XX/year> XXXX  - XX/XX/year> Section 611 ( 15 U.S.C. 1681i ) requires a prompt investigation of disputed information.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the results of your investigation. I have not received the required information.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section.

I demand immediate action to resolve this dispute. Specifically, I request the following : Thorough Reinvestigation : Conduct a thorough reinvestigation of the unauthorized inquiries. 
Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report. 
Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes.
Product: Money transfer, virtual currency, or money service

I am writing to formal 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 invest my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs finding indicate that Zelle has not only neglected to protect customers but has also allowed repeated offenders to exploit the system, leaving users vunerable 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

After several written attempts to each credit bureau, I have not succeeded in getting my credit report accurate. Lately, I wrote in and called each credit bureau to dispute XXXX XXXX  accounts on my credit report. XXXX XXXX  continues to report balance and past due payments on my credit years after the account was sold to collections. Currently, after my last report, XXXX XXXX removed one of the accounts but not the others. Experian and XXXX claimed to investigate and find the information to be correct. I have asked how the collections and the original account show past-due months or late payments and a balance. That is absolutely unfair. Once the original debt was sold, the account should be marked as closed with a XXXX balance, and the account should have a statement that the account was sold to collections. 

I should not have to continue to write in, call, etc. I have been affected by this for too many years after the fact and almost a year of continual disputes being sent to the credit bureaus.
Product: Credit reporting

XXXX This is in reference to this case #. I guess the case is resolved as I did not receive a completed answer from cpfb or Equifax. 
Equifax and the Division of Child Support needs to show me what law allows DCS to report to my credit when SSI is my only income! XXXX/XXXX/XXXX DCS just reported again and during this dispute. Reporting to my credit is a legal process. I am on SSI. There is nothing I can do about paying this fraud child support to a millionaire. YOu do n't believe me? Look at XXXX XXXX XXXX XXXX XXXX, Wa on XXXX. 
Will be filing injunction in my State and will be suing DCS and Equifax may now be a part of it. 
additional laws! 
42 USC 407 ( a ), which prohibits a person from transferring or assigning his or her future public benefits and exempts the benefits from " garnishment [ ] or other legal process, '' applies to SSI benefits ( see 42 USC 1383 [ d ] [ 1 ] ; XXXX [ XXXX ] ). The federal regulations governing the SSI program similarly prohibit both a person from transferring or assigning his or her benefits and a party from garnishing or taking the benefit by other legal process ( see XXXX CFR XXXX, XXXX [ a ] ; XXXX CFR XXXX ). The XXXX XXXX has provided three characteristics of " an impermissible 'legal process ' : ( 1 ) the process is 'judicial or quasi-judicial ' ; ( 2 ) the process transfers 'control o [ ver ] property... from one person to another ; and ( 3 ) the process is applied 'in order to discharge or secure discharge of an allegedly existing or anticipated liability ' '' ( XXXX [ XXXX ] the act of reporting to my credit is impermissible! You tell me what one is supposed to do on ssi with no means of paying this fraud? Allow the reporting for the rest of ones life? 
They are reporting to my credit against SSI income, that is all I have!!! It is a legal process! 
Then I was never afforded due process from the beginning, letting me know by law that dcs was going to report to my credit. 
Equifax may find them a part of the upcoming injunction in my State court. 
XXXX XXXX
Product: Debt collection

Around the last of XX/XX/XXXX, XXXX from Portfolio Recovery called and said I owed on a XXXX XXXX Card. I told her that it was from Identity Theft. And I had already filed a report the Id theft report. And she said that she will report this in the case and start the process for me. 

So far, I have recieved 2 more calls attempting to collect the money owed. I emailed them all the paperwork they sent me on XX/XX/2018.