23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never given any of the following companies ' permission to access my credit report in any capacity : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXE XXXX XXXX XXXXXXXX XXXX None of these companies will be able to provide any written or verbal documentation stating they have my permission to access my credit report. 

Also, 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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I contact Avant because I paid early for my credit card on XX/XX/XXXX instead of XX/XX/XXXX. Avant charged me a late on XX/XX/XXXX for paying early and it made went over {$18.00} which I paid. Now Avant is charging me {$42.00}. 

Avant is charging me a late fee for making a payment on XX/XX/2022. My bank account demonstrates I paid Avant on XX/XX/2022, my payment is due XXXX XXXX. Then they charged me a late fee on XX/XX/2022. 

Then it went over {$18.00} which I paid now they want me to pay {$42.00} which is unfair and deceptive practice because I paid early. They are trying to enrich themselves with interest and late fees.
Product: Checking or savings account

I have been charged 5 overdraft fees in a month. This is excessive. I went into a branch location and spoke to a branch manager for help and he was unable to assist. I explained that I recently lost my job XX/XX/XXXX so it is taking me a little more time to get money into my account but I am able to deposit the money same day. I still get hit with fees. I have been charged {$170.00} worth of fees in less than a month. Every rep I spoke to on the phone seemed unwilling to help or empathize with my situation saying that they can not do anything I am ready to close my account at this point because I can not afford to keep paying overdraft fees especially when I have not received my first paycheck. I have also been told several different cut off times from XXXX, XXXX, XXXX, XXXX, XXXX. It seems as though the phone reps are all on a different page. I explained to the branch manager that I will receive my first check XX/XX/XXXX. There should be a limit on how many OD fees a bank charges someone. Especially during times of financial difficulties.
Product: Prepaid card

Was given {$3700.00} in amex gift cards for a free months rent. the cards work on small purchases but anything over {$100.00} gets declined. I called Amex customer support and keep getting hung up on after I tell them what my issue is.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's 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 '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. 
The transaction was made on XX/XX/year> it was a Zelle transaction made from my account sending to me but the money was never received I made a claim but unfortunately Zelle doesnt recover lost funds
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX 15 U.S.C 1681 section 602 A. State I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states that consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section Sates : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than the record 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 cost to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I recently requested the banckupcy be removed from my credit report and you haven't done so. It's quiete simple if you are reporting information that is erroneous or flawed you " HAVE '' to remove it's just as simple as that. 

I am a XXXX XXXXXXXX veteran with ; XXXX XXXX XXXX, XXXX XXXX and many more health issues too many to mention here. You need to do the right thing and remove the false and inaccurate information on my credit file ; it's not my address. 

Delete it ....
Product: Credit reporting, credit repair services, or other personal consumer reports

For almost 4 years I have been complaining regarding a stolen discover card, theft, identity theft, impersonation, and fraudulent payments that allowed the credit limit to be exceeded. I have been denied information that would have proven the fraud such as payment methods used by the thieves and phone conversations. Yesterday I received the attached response from Consumer Financial Protection Bureau stating the account was going to be finally re-investigated and may take up to 90 more days. ( 0 more days is more than 4 years after the fact. I request a speedy investigation by XXXX, XXXX and Transunion. Per the FCRA, the validity, completeness and accurateness should have been accomplished long ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please refer to FTC Report! ITEMS ARE REPORTING INACCURATE INFORMATION ON MY CREDIT REPORT
Product: Debt collection

Clark County collections was paid in full by me and my husband and they continue harassing us saying we owe more and we do n't they now are garnishing my husbands paycheck when we did n't owe anything else to them and no legal action was taking to our knowledge.
Product: Credit card

On XX/XX/year> ( due date of payment ) I made the due payment amount of XXXX by automated system by phone to : Concora Credit XXXX XXXX XXXX XXXX OR XXXX Indigo Mastercard issued by XXXXXXXX XXXX, a XXXX XXXX XXXX, serviced by Concora Credit Inc . 

XXXX www.indigocard.com I paid using checking account number and routing number. 

Five days later, after noting my payment had not been posted to my credit card account, I called customer service to inquire as to why. I was told it could take up to 14 days for the payment to post. When I asked why, I was told it depended upon the computer system and might or might not occur every month when payment was made. 

I received a letter dated XX/XX/year> ( received on XX/XX/XXXX ) stating that payment dated XX/XX/year> for XXXX was not honored by financial institution and has been reversed from Indigo Mastercard account. 

As well as, in accordance with account agreement, a returned payment fee may have been applied to account. 

The XXXX payment is listed on online checking account as a cleared payment posted on XX/XX/year> ACH to Concora Credit, payment ID XXXX On XX/XX/year> I contacted said creditor by phone to inform them of this posted payment information. I was informed that the payment was showing on their end as not processed and returned with a returned fee of XXXX added to my account. 

Upon nothing being resolved or any information being requested, I asked the call to be escalated to a manager. Said manager repeated the same information as was already stated then requested a fax to be sent showing posted payment on bank account letterhead. He gave me a fax number of XXXX, refused to give me the name of a contact person and recipient of fax, refused to provide an email address and stated to address the fax to the " back office ''. I inquired of when I would receive a response and was told within 14 days. 

End of conversation. I received no confirmation of any sort establishing this contact or how I would be contacted within 14 days. 

At this point, I am wary of sending any personal information ( including a bank account document ) to Comcora. 

Please provide information on this creditor as well as possible avenues to resolve this situation before it affects my credit rating. 

Thank you very much, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i contacted transunion on XXXX to inform them that my credit monitoring alerted me that my account had been accessed. the transunion rep stated she could not remove the inquiries, although i had advised her that there was a fraud alert on my file. 

XXXX XXXX Miscellaneous XX/XX/2021 TransUnion XXXX Finance/Personal XX/XX/2021 TransUnion XXXX XXXX  Miscellaneous XX/XX/2021 TransUnion XXXX XXXX XXXX XXXX XX/XX/2021 TransUnion XXXX XXXX Finance/Personal XX/XX/2021 TransUnion
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXXXXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name XXXX XXXX # XXXX Account Name : XXXX FIN XXXX XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX # XXXX Account Name XXXX XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX CRED XXXX XXXX Account Name : XXXX CRED XXXX XXXX Account Name : XXXX XXXX XXXXT # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX CRED XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : PORTFOLIO # XXXX XXXXccount Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : UNKNOWN # XXXX Account Name : UNKNOWN # 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is about the three major credit agencies and the errors I can not get fixed. 

On XX/XX/XXXX I closed my XXXX cell phone account after repeated and egregious fraudulent charges went unaddressed. I opened an account with another service. My bill was paid. Their bills continued to accrue even though I not only no longer had service with them, AND had been billed for and paid charges for months in advance, AND confirmed that I owed nothing online with a chat rep and downloaded a document which Ill include, yet they continue to report a delinquent account on all three credit bureaus : Experian, XXXX and XXXX. 

Ive tried correcting this with those agencies but they either have online forms that are hosted on sites that break down, or they seem to do nothing. 

In addition, all three agencies are listing hard inquiries, some twice, on the same datesXX/XX/XXXXXX/XX/XXXXand XX/XX/XXXX when I applied for a car loan online and then with XXXX not knowing single applications would go to multiple banks : XXXX XXXX XX/XX/ Consumer portfolio XX/XX/ and again XXXX XXXX XX/XX/18 XXXX XX/XX/18 Among others. 

Also, they all list me as having no credit history yet I paid XXXX XXXX XXXX for three years on time. When they sold it to XXXX XXXX they also list me as current. 

Addresses are wrong, places Ive never heard of are listed as former homes.
Product: Debt collection

I checked my credit today and out of nowhere theres a collection from these people that I have never heard of and who I do not owe or have a contract with. Im XXXX because they have the wrong person here. Also they are violating the FDCPA because even though I have no knowledge of this company they supposed to notify anyone within 5 days by mail a written notice with the amount of money they claim you owe and the name of the original creditor that I also dont know as well I have not received anything from this company to my understanding this is identity theft and I am seeking litigation because this has sent me into XXXX. also, I will be suing in small claims court and they will definitely have to travel to represent themselves they have violated my consumer rights as well. I demand they remove this false item expeditiously.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : There is a need to ensure that a consumer reporting agency exercises their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I demand a deletion of all personal identifiable information from my consumer credit report with the exception of or if it is not there update it to the following information : 1.My Full Legal Name : XXXX XXXX XXXX Government I.D . attached ) 2. My Address : XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX ( Proof of address attached ). 
XXXX. My DOB as it is written on my government issued ID : XX/XX/year> Please delete all other non- mailable addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses. 

DELETE this address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights it is direct violation of 51 UCS {$1600.00} and all its subsections.
Product: Mortgage

My home was destroyed by an earthquake on XX/XX/XXXX. We put the house up for sale XX/XX/XXXX and we have had many offers and Specialized Loan Servicing Company has delayed and rejected all offers on the sale of my home for no reasonable reason. I owed approximately {$150000.00} on my home when the earthquake hit and the last offer we got on the house was {$150000.00} on XX/XX/XXXX. Specialized Loan Servicing approved a short sell on XX/XX/XXXX and then later rejected that short sell, but approved another short sell on XX/XX/XXXX. We have an offer which has been on the table since the end of XX/XX/XXXX and yet we are still dealing with Specialized Loan Servicing trying to get this offer accepted! I hired an attorney due to the frustration with this company who sent a letter on XX/XX/XXXX demanding that they accept this offer and they completely ignored the letter! I was told by my attorney that it would cost me approximately {$20000.00} to {$30000.00} to bring a lawsuit against Specialized Loan Servicing and I chose not to do so. My husband and I live paycheck to paycheck. When this earthquake hit in XXXX of XXXX we lost over {$200000.00}. in equity and also we lost our home of 27 years. We were forced to live in a borrowed motorhome, a hotel and now we are living in a rented duplex. My realtor and I are so frustrated over the handling of my situation as far as Specialized Loan Servicing. The person whom we were told to talk to with SLS ( XXXX ) does not return our phone calls in a timely manner and we were told at one point that she dropped the ball and had our file on her desk for approximately 5 weeks without handling anything with our file.We are just wanting SLS to do the right thing and accept this offer so that we may get on with our lives.
Product: Consumer Loan

In XXXX I secured a loan from XXXX XXXX which I was paying on every month until I was my employer unexpectedly went out of business in XXXX unfortunately I became unable to make full payments to XXXX because I was on unemployment. XXXX called and harassed me all day, every day until I felt that I had no other option but to file for bankruptcy which i did in XXXX and it has subsequently been discharged. Because of XXXX actions and antics the bankruptcy trustee is pursuing litigation against XXXX which is now called Mariner Finance, and now Mariner is refusing to relinquish my car title and sign the lien satisfaction letter even though the loan that I had with XXXX was included within my bankruptcy. In my opinion they are choosing to further injure and harass me is due to the ongoing issue within the bankruptcy court which I feel should be illegal and unfair business practicing. I have went to their office in XXXX, Florida in person and I have called them numerous of times regarding this matter and the supervisor XXXX continues to be misleading, giving me the run around. The reason that I am trying to get them to sign the lien satisfaction document is because the car has been wrecked and totaled by XXXX XXXX and they are requesting them from me and I am not getting any help from XXXX ( Mariner ) at all. I have called their corporate office in Maryland several times and all you can do is leave messages and " someone will return your call '' but NO ONE from there has yet to return any of my calls and/or messages! I am no longer in possession of the car, the debt was included within the perimeters of my bankruptcy and the car is a total lost. All I am requesting from them is to sign the lien satisfaction document so that I can provide this documentation to my insurance company so they can fulfill their legal requirements to the State or DMV.
Product: Credit card

XXXX  months ago, I applied for a credit card at XXXX XXXX XXXXXXXX. I was told there was an XXXX no-interest promotion. I was approved and made a purchase for {$7600.00}. I made monthly payments of {$250.00}, never missed a payment, and planned to pay off the full amount by the end of the year. 

Since I didnt receive the card right away at the store, nobody provided me with the terms and conditions of the credit card. By the end of the XXXX  months ( XX/XX/year> ), my balance was around {$3200.00}. However, my current balance shows {$6400.00}, which seems very unfair considering I made regular payments. 

I tried to resolve the issue myself, but it didnt go well. XXXXXXXX XXXX XXXX works with a third-party company, Comenity Bank , and they refused to help me with this problem. I would also like to mention that XXXX is not my native language, so I may not have fully understood some of the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax was the victim of a hacking incident on or before XX/XX/XXXX that involved the theft of personal information of approximately 143 million persons. The data stolen included social security numbers, home addresses, full names and birthdates. I used the website that Equifax provided, www.equifaxsecurity2017.com to see if my information was among those compromised. Equifax suggested that they believed that it was. I have placed a 90-day fraud report on my credit report via XXXX 's phone service. 

Equifax was made aware of the breach on XX/XX/XXXX, but did not notify any of the affected persons until XX/XX/XXXX, over a month later. This is a serious breach of trust on the part of Equifax. Additionally, Equifax has set up a website that seems to treat the data breach as a marketing opportunity. www.equifaxsecurity2017.com does not explicitly tell consumers whether or not they are among the consumers affected. It merely suggests that they may be affected and then begins a sign-up process for Equifax 's credit monitoring service. Finally, Equifax clearly did not take strong enough measures to protect consumer data.
Product: Credit reporting or other personal consumer reports

Listed alias XXXX XXXX XXXX has never been a name that I have used. I have no aliases. I use my name for everything
Product: Debt collection

To whom this may concern I am writing because the 3 major bureaus on several occasions have yet to properly investigate the negative and inaccurate information on my credit report. By law the bureaus must adhere to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) The major bureaus have continued to report negative information, addresses, and accounts without providing legal proof that the debt is valid. I am requesting a investigation by the CFPB to remove all inaccurate information.

Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.

Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus XXXX XXXX, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. 

Be mindful that the collection agency has yet to provide A LEGAL BINDING CONTRACT WITH A BEARING SIGNATURE SHOWING PROOF OF DEBT AND OR LEGAL OBLIGATION TO PAY THE DEBT WITH THE ALLEGED DEBT COLLECTOR. UNTIL THE AGENCY COLLECTING THE DEBT CAN PROVIDE A CONTRACT BINDING THE DEBTOR TO THE DEBT THE DEBT MUST BE REMOVED.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Transunion to dispute a account listed on my report as unverified on my credit report I listed XXXX XXXX XXXX and I listed it unverified or unknown to me I asked for a deletion the response I received was that they could not find said debt on my account and it must be listed with another credit agency well how can they say that when I have proof on my XXXX  app that list my 3 credit report and TransUnion being one of them tthey could not find this particular company XXXX XXXX   XXXX  I am submitting there letter and a screenshot from my own app the same name listed on my app for this company XXXX XXXX  XXXX for deletion from TransUnion if I found it why cant they?