23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I paid for my score with Equifax and was given XXXX, I went to purchase a car and my score is XXXX, a day later. I also got my score from XXXX and it was XXXX, again the auto dealer got XXXX I want to know why Equifax is giving me one score that I paid for and giving banks entirely different information. 
this is fraud!!
Product: Checking or savings account

In XX/XX/2023, Chase Bank had closed my account with no explanation or reason, and since have banned me from accessing their products. They let me open a new account on the app, and once I deposited money, I couldnt use my debit card, or even withdraw my money externally. They gave no explanation, just stating that I had my account closed and wait 2 weeks for my account balance check to be mailed to me. There are no other banks inside of my small town but chase, and they are forcing me to have a check that I am unable to use.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX, A victim of Identity theft, request removal and deletion of the listed accounts on my XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX. XXXX, Midland Credit Management , Inc .
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request and investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

The finance company still shows a balance and open account when 2 months ago the account was paid in full according to the finance company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are reporting incorrectly that I am 120 days past due on the XXXX/XXXX and XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 9 16 and pages 19 - 22 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. These accounts are currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone opened a fraudulent credit card using my identity with PNC Bank. PNC opened the account with a {$XXXX} limit. Person charged {$XXXX} paid a few times and then stopped paying. PNC contacted me and I told them I did not open PNC account. Asked them to give me information on how account was opened ( online, paper submission ) and how who had been paying account. They never supplied me this information and instead charged off account. Now shows as a charge off on credit reports and I want PNC to remove. It shows as fraudulent on my credit report and also report shows my name twice, once correct and another with n XXXX middle initial that is incorrect.
Product: Debt collection

We have been harassed for well over a year on a daily basis from some scammers calling to collect on debt we do not owe in XXXX different names at our residence. The scammers use many different telephone numbers to make the calls however they all leave robo calls suggesting we contact them at XXXX & XXXX. We do not have any outstanding debt at all that should be on any debt collectors list. They claim to be " Diversified Consultants '' We have told them to stop calling on many occasions however they are relentless. We do not need to revoke consent because they never had any permission nor valid contracts to enforce in the first place.
Product: Mortgage

XXXX XXXX  kicked me off my portal because I switched my email and making it impossible for me to get access, I have a XXXX and my only way to check in on my extending my forbearance THE IGNORANT LADY WAS ASKING A-LOT OF PERSONAL INFORMATION AND ASKING TO GUESS AT EVERYTHING I have requested to reset my portal there tactics and question are against most banking rules
Product: Debt collection

XX/XX/year> {$1000.00} I am not liable for the debt with XXXX XXXX XXXX. I do not have a contract with CREDENCE RESOURCE Mana XXXXXXXX XXXX XXXXXXXX. They did not provide me with the original contract as I requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my credit report, I notice an account from XXXX XXXX, that I believe is not being reported correctly on my credit report. On XX/XX/2022, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account, ( see Attached ). After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2022, ( see attached ), again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the credit bureaus, along with my incident report, ( which are attached ), asking them to verify or remove the negative report on my credit report that XXXX XXXX is reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.
Product: Checking or savings account

On XX/XX/year>, an unauthorized transaction of {$8000.00} was made from my Citibank account. I discovered this on XX/XX/XXXX when I checked my account and noticed the funds were missing. Given that Citibank primarily serves as my savings bank, I do not frequently monitor my account. Without hesitation, I visited the bank to report the issue to the manager, who initiated a dispute regarding the transaction and advised me to wait for further updates. 

While I was reassured by their support, it was disheartening to think that such a significant amount could disappear overnight from an account I trusted. After a few weeks without any updates, I called the bank for a status check, only to learn that there had been no progress on my claim. I understood that the amount involved was substantial, but I remained hopeful. 

However, two months later, when I called again, I was shocked to find out that my case had been declined. The representative informed me that the dispute was not considered fraudulent. When I inquired about the status of the funds and where they had gone, I was told that the bank could not provide any information and that the case was closed. 

It has now been several months, and despite my continued efforts, I have yet to recover my funds. This experience has been both frustrating and disheartening, leaving me with unanswered questions about the security of my account and the bank 's ability to investigate such serious matters.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently on my XXXX  credit report its showing a old account with first citizens bank that was paid in full back in 2017 when we traded the car the loan is closed and paid in full when I called first citizens bank I submitted a dispute online to XXXX  XXXX co whats funny this is not showing on XXXX  or XXXX  reports just XXXX  they said the report was accurate?????? In the dispute sounds like they need to call first citizens bank and get it straightened thanks for your help the account is for XXXX and was paid off XX/XX/2017 the payment was for XXXX a month
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a XXXX XXXX XXXX through XXXX XXXX. 
My monthly payments were set up for automatic bank draft on the XXXX of each month. 
XXXX sold my account to XXXX 's XXXX  ; I am not sure of the exact date this occurred. 
I was not notified by XXXX XXXX. 
My account was not drafted as scheduled on XX/XX/2022. 
XXXX reported the account as delinquent on XX/XX/2022. 
I was not notified by XXXX XXXX XXXX. 

I do not have the " new '' account number or any other pertinent information to make payments with XXXX. 
I became aware only when I received a credit monitoring alert stating that my FICO score dropped by XXXX points. 
My total balance is {$170.00}. 
The last posted payment to XXXX XXXX was on XX/XX/2022.
Product: Credit reporting or other personal consumer reports

I have communicated the errors you kept reporting on my credit report but to no avail, I continue to face rejections on my new credit applications because of it. This is really frustrating and immensely stressful, it's taking a toll on my mental health. My finances are at stake and it's keeping me awake at night all because of these inaccuracies on my report, unfairly and negatively impacting my life and credit score.
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns about Zelles dispute resolution process, especially in light of the recent CFPB lawsuit that highlights significant issues with the platform. Despite using Zelle regularly and reporting transaction discrepancies, my financial institution and Zelle did not properly investigate my claims. I was informed that recovering lost funds was impossible and that tracking the transactions could not be done. The CFPBs findings reveal that Zelle has failed to protect consumers and has allowed repeat offenders to exploit the system, leaving users exposed to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer protection.
Product: Credit reporting or other personal consumer reports

Subject : Request for Investigation and Removal of Incorrect Repossession from My Credit Report Dear Consumer Financial Protection Bureau, I am writing to formally dispute the repossession listed on my credit report by XXXX XXXX XXXX XXXX, which is being improperly reported by the three major credit bureaus. Despite my efforts to correct this inaccurate reporting, the credit bureaus have refused to remove the erroneous information, negatively affecting my creditworthiness. 
Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681s-2 ), furnishers of credit information, such as XXXX XXXX XXXX XXXX , are required to provide only accurate and verifiable information to credit reporting agencies. If an item is inaccurate, unverifiable, or outdated, it must be removed or corrected. Additionally, under 15 U.S.C. 1681i, credit reporting agencies must conduct a proper investigation when a consumer disputes inaccurate information. Their continued failure to remove or correct this information violates my rights under federal law. 
I have previously disputed this repossession directly with XXXX XXXX XXXX XXXX and the credit bureaus, but they have failed to take appropriate action. Since this information is incorrect and does not reflect the true status of my account, I request that the CFPB investigate this matter and take the necessary steps to enforce compliance with consumer protection laws. 
Please advise me on the next steps in resolving this issue. I appreciate your prompt attention to ensuring that my credit report accurately reflects my financial history. You may contact me at [ Your Phone Number ] or [ Your Email ] for any updates or further information. 
Sincerely,
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ), XXXX XXXX Account XXXX has violated my rights. 

15 U.S.C. 1681, Section 602 : Grants me the right to privacy.

15 U.S.C. 1681, Section 604 ( a ) ( 2 ) : States that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1666B : Prohibits a creditor from treating a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Given these protections, the reported late payment on my account is inaccurate and must be removed immediately. This erroneous reporting has severely harmed my credit and negatively impacted my ability to purchase a home.

I request immediate correction of this issue. Please provide confirmation that this inaccurate reporting has been removed.
Product: Credit card

I have a Citi Dividend card and a City Thank You card. They both provide rewards points. Shockingly, despite promising rewards points, Citi Cards actually cancels all those points, effectively stealing them from their customers, after only a year. The catch they have created is that you must accumulate a minimum of {$50.00} in order to be able to cash them out. Unfortunately, I can not spend enough to accumulate {$50.00} in rewards points in less than a year. So, Citi Bank effectively steals the money they supposedly rewarded me with after only a year. This is in effect false advertising, because these are no rewards points ; these are temporary incentive points to try to force you to spend more. And if you do n't, the bank simply steals the rewards they claim to have rewarded you with. I am not aware of any other credit card provider that have the same catch-22 policies to cheat their customers out of their rewards points.
Product: Credit reporting or other personal consumer reports

I reviewed my credit reports and it shows inaccurate and unverified item that violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Product: Bank account or service

The minute we first received notification that PNC had decided to charge us {$3.00} for check images, we immediately within minutes called PNC and specifically said " NO THANK YOU! " Still they keep stealing {$3.00} per month and refuse to return the funds and close our account. On XXXX/XXXX/16, there was a {$3.00} unauthorized withdrawal on our monthly statement. We called customer service at XXXX. The customer non-service representative who answered harassed us for a long time, verified our identity several ways but refused to discuss the {$3.00} bank error and insisted we drive over XXXX miles to the nearest PNC branch or open an online account because she was not capable of doing her job to correct the obvious routine bank error. So then we called a branch office at XXXX on XXXX/XXXX/16 and were told that the unauthorized fee for the " Check Images '' would be happily reversed since we never agreed to purchase pictures of checks that we do not need or want and specifically said not to send. She also told us the boldfaced lie that they would stop repeating this error every month. When we received our next monthly statement on XXXX/XXXX/16, not only was the original error not corrected, there was an additional theft of another {$3.00}. No one at the branch office at XXXX answers the phone. Again we were forced to call customer non-service at XXXX. The customer non-service representative who answered said his name was XXXX. He was extremely nice and professional but since PNC does not allow their employees to correct routine bank errors or provide any customer service what so ever, he was not able to fix the problem. He did apoligize profusely and explained our three options which are : 1. He closes our account and MAYBE someday PNC issues us a check for some portion of our illegally depleted balance while PNC keeps the misappropriated funds 2. He leaves our account open and passes us along to other PNC employees who will continue harassing us while PNC continues stealing from us 3. We hop in a time machine back to XXXX XXXX, 2016 and open an online account so every hacker in the world can find us and steal our identity, then enter a secret pin number and click on some button to opt out of this bank scam we had no way of knowing even existed back then. 
According to the PNC website, the nearest branch office is a XXXX mile out of state trip to XXXX, Md, but when we travelled long distance to those addresses that we had banked at before, the XXXX downtown is now a dry cleaners and the XXXX in the mall is a vacant hole in the wall. PNC 's position is that only an " online '' customer is a " valid '' customer and therefore an illegal unauthorized withdrawal is a " valid '' charge whenever the customer has an XXXX card in their wallet instead of an electronic gizmo with lots of apps in their hand. When I opened the account 3 decades ago, I fit the XXXX year old customer demographic they were willing to serve. Now I do n't, which is fine because they no longer fit the bank profile of local honest secure financial institution that we are willing to trust with our money.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 sent money to an overseas account in the XXXX to a person a XXXX XXXX at XXXX. After the transactions were made, I found out that the money wasnt going to that person, but to someone else XXXX XXXX XXXX And then was a constant attempt to get more money from me over {$1200.00}. The money I was scammed out of was {$500.00}. 
I submitted my complaint to PayPal for unauthorized wiring of money, and they investigated and said they could not stop the transfer even when they had prevented the transfer at the time of the investigation.
Product: Credit reporting or other personal consumer reports

I'm a victim of a sham investigation from Experian credit reporting agency. They have not done a real investigation, but rather only relied upon the response from the creditor and basting. Their investigation solely on a fault. E oscar system that is not accurate please delete all items that's listed in my documents immediately. Please see documents in attachments this dispute was not made in error.
Product: Credit reporting, credit repair services, or other personal consumer reports

Obtained updated copy of my credit report on XX/XX/23 and found the following inconsistencies The " Date Opened '' is also inconsistent across all three bureaus. If all bureaus receive the same information from the creditor, there should be no inconsistencies. 
The date of " Last Payment '' is also inconsistently reported across all three bureaus, This is also a violation. There is a " Balance '' amount listed that is higher than the actual " High Balance '' amount, which is a violation. If an account was previously a credit card, there MUST be a " High Balance '' listed.
Product: Credit reporting, credit repair services, or other personal consumer reports

- Nelnet accounts show late even though I have proof from Nelnet that my account was under forbearance ; forbearance negates the necessity of making payments and no late payments are collected during this time.I 've disputed and shown this proof to XXXX  and XXXX  but they've done nothing to update this - Nelnet account shows my full balance owed on the account but I've already fully paid and closed out the account
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized Inquires on trans union credit report 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

My Name is XXXX XXXX XXXX XXXX I been resiving, Notification of my credit report About i quieries i dont recognized those inquieres, i dont apply for those account, or business, i contact both parties, they dont help Im trying to fix my credit and with this issued is goin to be a disaster, if this keep goin on, I only have XXXX credit card, no loans or nothing else i dont need no more credit, I have XXXX  XXXX, XXXX, XXXX 
No need more.. please Help me.. 
I think im victim of identity theft.
Product: Money transfer, virtual currency, or money service

I filed a dispute for a wire transfer for the amount of {$23000.00} dollars that I found out was a scam 2 days after I completed the transfer. I call my financial institution ( Wells Fargo ) and requested a swift recall with all the beneficiaries acct info and bank name ( XXXX XXXX  ). I notified them that this was a scam and I have all the supporting documentation for the transaction. The wire transfer was sent on the XXXX of XX/XX/2021 and I requested the recall on the XXXX of XXXX however my financial institution did not contact the beneficiarys financial institution until XX/XX/XXXX to request a recall on the funds.This was a total of 27 days and or 20 business days after I notified the bank that this was a scam and my money was being stolen. The bank dispute page shows all disputed transactions will have a resolution within 10 days and temporary credit to my account if the investigation would take longer. Wells Fargo did not fulfill its fiduciary dutys to me as a customer in a reasonable time frame in a attempt to recall my money. I supplied wells Fargo with the police report number and supplied my local branch with all the supporting documentation. I feel as if Wells Fargo would have acted in a timely manor then the chances of me receiving some or all of my money back would have been greatly increased.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently checked my credit reports with XXXX, Equifax, and XXXX and have found duplicates reporting 's that is currently affecting my credit score. I have disputed these findings with each bureau, and they have not removed the duplicates from my credit file. I have also found accounts listed on my credit file with no furnisher account name or information that have not been updated with accurate information or removed. 

XXXX XXXX XXXX Account NoXXXX Duplicated on three times on XXXX XXXX XXXX XXXX Account NoXXXX Duplicated on two times on Equifax Two accounts with no furnisher account information listed on Equifax
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX date of birth XX/XX/XXXX Contents This CFPB complaint has been filed to request pursuant to FCRA s 605B ( 15 U.S.C s 1681c - 2 ). that you, Experian 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 Account opened on XX/XX/XXXX At XXXX Account number XXXX this account have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report.All of the aforementioned accounts, collections and hard inquiries are the result of identity theft and fraud i have attended a copy of FTC Identity Theft criminal complaint XXXX 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

I mailed the credit bureau in XXXX. It is now XXXX and they have not responded.
Product: Debt collection

I never received any documentation that the debt was sold or given a right to dispute. The item was parked on my credit and when i contacted them the only option they gave me to resolve this was to pay it. I tried to explain the debt wasnt mine and that I would be willing to settle it out of DESPERATION ONLY. I offered XXXX which was accepted and then never processed. I have since called them 37 times. Their legal representative XXXX XXXX XXXX refuses to return my calls. I NEED THIS ACCOUNT DELETED immediately as they are clearly PARKING it on my credit and not allowing me the opportunity to resolve this VOLUNTARILY.