23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Repeated phone calls to CBV collections was met with long wait times and hang ups. The phone number that called me has been reported as possible scam call. A check of my credit report showed that the outstanding accounts with XXXX 's has been closed. The scam company has been calling me on XX/XX/XXXX ( twice ) XX/XX/XXXX once. 2 different numbers have been blocked. They would not give me information as the account file they claim to have does not have my birthday on file and they would not verify it any other way than me giving them my birthday. I would not provide them with my birthday if they do not have it on file. 
The account they are claiming I owe them for was from XXXX. I was with XXXX 's until XXXX. All accounts with any possible outstanding debt have been closed with that company.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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 XXXXXX/XX/XXXX.
Product: Checking or savings account

Wednesday, Capital One made a X ( XXXX ) post about 3rd party vendors effecting deposits. Then it turned into a technical issue, email was sent late Thursday night stating problem would be fixed Friday morning. Now Friday evening, the problem is still not resolved. Tens of thousands of consumers with personal accounts do not have access to their deposits, mothers who need baby food, working people that need gas to get back to work, families that need food. All we are getting from capital one is a copy / paste were sorry for any inconvenience this may have caused this isnt just some minor inconvenience, its now a weekend, Monday is a federal holiday, it will have been nearly 7 days that deposits have not been processed, theres another article blast coming, people have bills, many people have past due bills that may end up in a disconnect status now due to Capital One not having this handled.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information were found in my reports. The TransUnion, XXXX, and XXXX Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXXXXXX XXXX  XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX Balance Owed XXXX $ XXXX XXXXXXXX XXXX XXXX Balance Owed : {$1900.00} XXXX XXXXXXXX Balance Owed : {$270.00} XXXX XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$1800.00} XXXX XXXX Balance Owed : {$1900.00} XXXX XXXXXXXX Balance Owed : {$270.00} TRANSUNION : XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXXXXXX XXXX  XXXX, CA XXXX XXXX  XXXX XXXX XXXX Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX  XXXX Balance Owed : {$1900.00} XXXX  XXXX Balance Owed : {$270.00} GOLDEN XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Debt collection

I was a renter at a property at XXXX XXXX XXXX, XXXX XXXX CA XXXX. I moved out, and received a release on XX/XX/2016. I received my full deposit as well. I had called XXXX XXXX  XXXX XXXX, and canceled my account at that address. The landlord/owner claimed he had family coming and stated he would have them continue service, but of course in his name. XXXX XXXX, made an error and did NOT change the name. I was never notified by any party, and only discovered a collection for {$290.00} when I checked my credit. I talked directly with XXXX XXXX  XXXX XXXX, and they said I need to work with the owner, which is not correct since I could prove I had called to disconnect, and I also had proof of not living at that address at the time of the charges. I called the landlord/owners representative, a rental agency, and they agreed the owner would pay, as he had possession of the property. They never paid, and will not return calls at this time. I disputed with all three credit bureaus, and they did ZERO investigation, and let the collection. I.C. System, INC never sent any information to me, or request, and have inappropriately reported a collection without ANY investigation!!! Or contact!!! I have attached a letter from the owners representative, confirming, I now longer resided their, nor was I responsible for any utilities at the time this bill was referring.
Product: Vehicle loan or lease

I filed a complaint against my auto financing creditor, GM Financial in XXXXof 2018. Gm falsely claimed I was not making payment on my car lease even though my monthly mailed statement said I was always current and never behind. This action heavily impacted my credit score dramatically so I filed a report with the CFPB. After the investigation was complete GM was made accountable for their wrong doing and said in XXXX or XXXX of 2018 that they would correct their allegations and let the credit bureau be aware of the error, and could take 45-90 days for the corrections to be made on my credit report. It has been a year and a half now and my score has not changed nor has that error been removed. I reached out to GM Financial on a couple occasions and they say I am, and never, had an account with them. At this point the car dealership had told me to file another complaint to get this error rectified. 
Thank you.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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 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 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 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 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 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 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 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 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: Credit reporting or other personal consumer reports

I, XXXX XXXX, called and requested during XX/XX/XXXX for EQUIFAX to release the credit freeze placed on my account as well as send an updated copy of my current credit score. A EQUIFAX representative assured me that this was done however TODAY, XX/XX/XXXX, I go to finance a phone that I desperately require and deserve only to to find that EQUIFAX still has a freeze placed on my consumer report without my consent so I am unable to exercise my federal right to credit as a U.S. Citizen.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called Experian and XXXX  at least a dozen times each in the last 24 hours, in an attempt to resolve a negative public record issue on my credit report. I have spent half of the time on an automated system, unable to reach a live human being. The other half was spent reaching a live human being, outsourced from XXXX. The customer service representatives were professional, but the language barrier made it impossible for us to communicate. I had often had extreme difficulty understanding the representatives broken English, and in like manner, the representatives did not understand my issue, nor my plea for a resolution. I was at one point instructed to " go to the courthouse ''. Needless to say, the federal courthouse advised that this was an issue outside of their wheelhouse.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous effort to alert you that I am a victim of identity theft, and I am writing to dispute some elements in my file as a result of the crime. The things I am challenging have nothing to do with any transactions involving the acquisition of products, services, or money that I have made or authorized. Please stop reporting any information in my credit file that was obtained through identity theft. I'm not familiar with these items. Also, the information that some Credit Bureaus gave on certain accounts has been DELETED from other agencies, raising questions about their authenticity, and the recorded payment history on several accounts is a mystery to me. Authority to decline or rescind, as required by FCRA 605B ( c ) ( 1 ) ( C ).

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions.

Please remove the following items as they are fraudulent : XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX  XXXX Balance Owed : {$5600.00} XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX Owed : {$5900.00} XXXX XXXX Balance Owed ; {$4400.00} XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

I tried on numerous occasions to try  to set up a forbearance account with Fay Servicing and I even tried to do a loan modification with Fay Servicing, but  I was consistently given the round around. Even on  XXXX   XXXX ,  XXXX , I submitted my application to them and I was consistently given the round around by the accou nt manager. Time after time, I emailed the account manager giving them the required documents e ven though I did that in my first application with them, but they wanted more and more documents that were even the required documents. They were delaying time because even time I sent them more and more information they said it took time to process. I had to constantly send in documents and I was on the phone many times and still did n't receive a positive outcome. I did n't even receive an outcome of whether I was going to receive a loan modification or a forbearance. I was hung out in limbo. I did n't even know that the account was switched to them because I had another loan servicing company by  XXXX   XXXX   XXXX  that I was working with from  XXXX   XXXX  to  XXXX   XXXX , but even with them there was no result. No w Fay Servicing  has me dealing with the Foreclosure program in  XXXX , NJ due to them not working with me. I have a feeling that the intention o f Fay Servicing was for them to not work with me and make an attempt for me to lose my house.
Product: Checking or savings account

I recently submitted a complaint with the CFPB about Wells Fargo. They said they were investigating the issue. Over the last few months. I have had XXXX of dollars disappear from my account and money taken out for something and it not showing up then it taken out again and mysteriously showing up. On yesterday it was on the news that several other people had been having this happen to them and even deposits not showing up at all. 

Wells Fargo needs to fix this and fix it fast I am highly disappointed and most likely will be switching banks. Im sure there have been several other complaints I regards to this matter.
Product: Credit reporting or other personal consumer reports

My personal information was exposed in a data breach that resulted in my social security number being leaking to the dark web.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX, has 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
Product: Debt collection

I have been dealing with a class action from identity theft in late 2024. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This is a result of that identity theft. 

The original company lender name is XXXX # XXXX for the amount of {$5000.00} It has now been taken to another company Orion Capital Solutions. Reference # XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. 

This is not my debt. I requested formal copies of the loan so I could add to my discovery for the class action suit and the company " Orion Capital Solutions '' refused by saying Validation of Debt Requests " nothing is currently required if your inquiry relates to documentation of validating the debt ''. 

This is FRAUD and identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I visited XXXX XXXX XXXX in XXXX, Texas on XXXX-2018 with a pre-qualified notice from my current bank, XXXX XXXX. The salesman and financial manager ran credit report inquiries without my permission with 2 different banks, XXXX XXXX via XXXX and US Bank. 

I called the dealership to complain and they told me I needed to file a dispute. I distinctly asked the sales manager not to run my credit. 

I texted that night after receiving an alert that 2 inquiries were made. I told him I had trusted him and he said he trusted the financial manager also. 

I have the phone text showing this conversation. I also have an email stating I would have to file a dispute.
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 amount of 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 customers safety.
Product: Credit card or prepaid card

Starting XX/XX/2018 I made online payments through XXXXXXXX XXXX to my TD Bank Credit Card. I used the same payee as I have been using for the past 2 years without incident, no changes from my side. I made 3 transfers, {$2000.00} on XX/XX/XXXX, another {$750.00} on XX/XX/XXXX, and {$100.00} on XX/XX/XXXX. As of XX/XX/XXXX I started receiving calls from vendors I had made TD bank credit card payments to saying my CC was rejected. I went onto my TD bank online account and found the money was never posted. 

Beginning XX/XX/XXXX, 3 days, ago I started making strong and even frantic calls to both XXXX and TD Bank. TD Bank customer service rep I first spoke with told me that " I've been getting calls like this from XXXX customers all day ''. Later I spoke with a supervisor who told me that it was a known issue but that I had to call XXXX. 

XXXX employees contacted their 'back office support team ' and were told on two different occasions that my money was not only sent on the XXXX but SHOWN AS RECEIVED BY TD BANK. Yesterday XX/XX/XXXX they told me that they could not give me my money back ( as TD supervisor had told me earlier that day - go to XXXX and get your money back and then send it again to us! ). XXXX told me that they did not HAVE the money. They then gave me the tracing numbers on the 3 transfers which as you see below I gave them to level 2 support but have heard nothing back.

For two further days I have spoken with XXXX and TD. Though XXXX has been pro-active, following through and phoning me back, to this moment TD has not contacted me once, instead I have to waste close to 30 minutes each call just getting through to the right team and getting a supervisor online. None of which have a clue and just say things like " this is being looked into '' and " this is being worked on. Starting 2 days ago I asked level 2 support credit card support supervisor at TD Bank ( I have names and ID number of at least her - she's very nice and caring but completely ineffectual ). for the following : a. WHO STOLE MY MONEY, I need to know where it is and stop getting the run around. Her answer is only " we are working on that but we were told to tell you to contact XXXX. 
b. I need a letter from TD bank absolving ME of this to send to my vendors/creditors since I am looking bad though I have done my duty to send {$2800.00} which has either been stolen, diverted or lost in the eithers! They said they would request this from Corporate and 2 days later I have not received anything.

c. An explanation of what has occurred, no matter when I am given the money back ( which I of course will happen any day now ).

Just now after another 2 hours bouncing between departments, I was able to find the phone number of the Corporate Complaint Center, I called and there is a machine I left a message.
Product: Bank account or service

I went into a XXXX Branch at XXXX. to open an additional checking account. The banker saw all of my accounts with them and offered a Home Equity line of credit product. I gave her and her manager my information on my home. I advised them that XXXX had my mortgage and my Principal balance was $ XXXX. They estimated my properties value at $ XXXX without an appraisal. The were working on their calculators and insisted I had enough equity to apply for the line of credit so I started the process. I received a call 2 days later from the manager and he told me I could not move forward with the application. I asked why not? He said there was an issue because my mortgage was not with Citibank. I said I told you from the beginning it was not with Citibank, that it was with XXXX. You even told me that was OK and did n't matter. Then he stated because there was not enough equity on the property. I asked how much was needed? He gave me a number over $ XXXX. I said you already knew I did n't have that because I gave you the numbers. No I have unnecessary inquiries on my credit report. He stated it would n't impact my credit because I had such a good credit rating. I stated I 'm not comfortable with what they did and I wanted them to contact the credit bureaus and have them removed. He said he would get back to me in a few days. 

They should have known that I was not even going to get far with the application process. They knew the numbers were way off to getting approved. With the numbers they had through our conversation, the equity was somewhere around 9 %. When he called me, he said 25 % or 30 % was needed. 

I feel like they just wanted my application to meet some quota. They submitted my application knowing I did n't have enough equity. Is this what Citibank is coming to?
Product: Mortgage

The day after making my payment in XXXX XXXX XXXX XXXX XXXX Chase began to make unusual actions in the account. On XXXX, XXXX, XXXX, XXXX, XXXX, and on XXXX a series of actions called Payment were performed but they were all at zero, so no effect was experienced. On XXXX the bank made " a payment ''. Not me, them. The took this from suspense. Then on XXXX they removed my XXXX payment to pay back the suspense. I was now 30 days late. On XXXX I made my payment with no knowledge of the above. They took this to pay for XXXX instead of XXXX. I soonreceived a confusing and terrifying chain of paperwork. XXXX, this was as medically damaging as it was confusing.
Product: Debt collection

I did not know about the debt until it popped up on my credit report. I sent a letter stating that I dont know about the debt and also stating that I looked their license up in my state which is Illinois to see if they could collect debts legally and they werent licensed to so do I asked them to immediately remove the negative collection off of my credit report and it hasnt been done
Product: Credit reporting or other personal consumer reports

In accordance with Fair Credit Reporting Act XXXX Account 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  has Violated my Rights 15 U.S.C 1681 Section 602A 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 tarnish a account without my wrriten instructions
Product: Vehicle loan or lease

I have an account with us auto servicing for my XXXX XXXX XXXX, I bought this car on XX/XX/XXXX and paying XXXX every 2 weeks, It shows I currently owe {$14000.00} on this car, the value of this car is only around {$4500.00}. I'm considered upside with my car payments when I was trying to trade it in for something more up to date. I signed up for gap insurance and extended warranty as well. Just recently I was told that the extended warranty policy doesn't even exist but it's an extra fee on my loan. I want to be released from this high car loan so I can get another car more reliable, my check engine light keeps coming on and the car ran hot on me one day after work. I can't call them to see about getting it repaired since the company is now closed and transferred over to Westlake profolio LLC.