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

I am using  XXXX , an app used to grant me access to my paycheck in advance.  XXXX  needs to be able to communicate with my bank in order to make sure I am able to receive my funds.  XXXX  has reported my bank delaying their response which effects how I get paid.
Product: Checking or savings account

Pnc has charged me hundreds of dollars of fees for low account and overdraft balance that have been a constant management problem as I use the app for daily account management but the app is not always reflective of up to date records. Now i have close to XXXX in overdrafts and constant fees being charged back to back to back.
Product: Payday loan, title loan, or personal loan

One Main Financial sent me an advertisement through the mail to extend credit for up to {$10000.00}. I, a consumer applied for an extension of credit through an application and was denied an extension of credit due to information that was shared through the credit reporting agencies which is identity theft and fraud according to the Fair Credit Reporting Act and Fair Debt Collection Practices Act. Pursuant to 15 USC 1602g I the consumer have the right to extend credit. I granted you the credit on my application. Pursuant to Equal Credit Opportunity Act 15 USC 1691 ( a ) Activities constituting Discrimination shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction.
Product: Debt collection

I spoke to a person at XXXX debt XXXX in XX/XX/year> and got this taken care of and showed proof how debt was illegally tryin to be obtained. My rights were violated and legal time limit was exceeded and several other issues that showed how debt was not valid and the. XXXX years almost to the day they decided to try to scam and throw it on my Credit report and I wrote lady only to be ignored from emailed XXXX years ago she told me she took care of it and today when I called in and spoke to a gentleman there he asked for social and name and was having a hard time finding it or something kept repeating my name back and then proceeded to hang up on me and XXXX get ahold of them when I called back. They know what they are doing is illegal and they are trying to bait me into paying a debt that I legally DO NOT owe and then XXXX years after it was showed with all the proof needed theyre gon na try to add to credit report also a roomate that was signed off the lease XXXX  months prior to vacating unit is now added on debt too this is all illegal actions and Then childish games hanging up on me when I was nothing but friendly and theyre in the wrong. I will not tolerate this and I will not be baited and scammed into a paying a debt that I do not legally Owe whatsoever! They cant even show itemized list of charges also I never signed any disclosure to allow anyone to give my personal information to a third party company whatsoever
Product: Debt collection

When I found out about this debt I called the debt agency and told them they were not supposed to have any of my information because this is a HIPAA violation. I did not authorize any third-party company to obtain my information.
Product: Money transfer, virtual currency, or money service

I tried to transfer {$2300.00} from one account to another, but Zelle or my bank put a hold on the account. 
I tried to reach out to Zelle, but they said reach out to my bank. The bank was not helpful.
Product: Debt collection

For years I have kept a home protection warranty with XXXX XXXX XXXX and paid roughly {$56.00} a month. In XX/XX/2019, I sold my home and I subsequently cancelled my warranty which was automatically billed on my credit card. 

Also in XX/XX/2019, my credit card with XXXX was picked up by a skimmer in Kansas during a business trip and I cancelled the credit card to prevented the many unauthorized charges that were occurring on my credit card. 

In XXXX of 2019, I had purchased another house and I established another warranty with XXXX XXXX XXXX which made my original warranty unnecessary after the sale of my house on XX/XX/2019. 

XXXX  bills the credit card on a monthly basis to renew the agreement. When a representative called me approximately 2-3 months later, I told them that I had cancelled the warranty and my house was sold on XX/XX/2019. They said that they would transfer me to someone else, and I wound up on hold for a very long time, which is what happens any time you attempt to call XXXX. 

If any balance was due for XXXX, I'm happy to pay it, if any service claims were unpaid, I am happy to pay it. But they are attempting to charge me {$210.00} which is unfathomable how they would think that {$210.00} is due. To date, I do not have an itemization of charges that they claim that I owe, so I can only assume that they are trying to bill me for months after my cancellation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I dont check my credit often but when I did I have multiple inquiries from the same company
Product: Checking or savings account

transactions have been made an deleted from my account filed dispute still did not get my money back. double charges for items iv purchased. the bank wants me to close the acccount but the bank is the one who is taken my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 
FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Product: Money transfer, virtual currency, or money service

Im 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. 
This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified letter to all three credit bureaus, to have an investigation done about this hard inquiry from navy federal credit union on XX/XX/18. It's been well I've r99 days and I've heard nothing yet. Which violated the FCRA, law that credit bureaus must report accurate information and respond to consumers within a timely manner. This hard inquiry has caused a great hardship on my life i've been denied home loans and credit and my credit scores dropped drastically because of it.
Product: Checking or savings account

I am being overcharged by my bank for overdraft fees. Key Bank is the culprit. Unfortunately over the past year I've had several occurances of overdraft fees some where my fault while others where not. This month on XX/XX/XXXX I had XXXX paid for my phone bill which caused an overdraft fee of XXXX XXXX Then today XX/XX/XXXX I had another bill come out for XXXX and was charged not only another overdraft fee if XXXX $ plus a fee of XXXX $ for a recurring overdraft. That's XXXX $ in fees on bills totalling XXXX $!! These fees are not only predatory and excessive but should be illegal. If these fees are allowed by current banking regulations this has to stop! Seven months ago in XXXX I was charged XXXX $ for an XXXX cents overdraft! My bank has the discretion to either pay these bills or not. When they know my direct deposit history they know they'll get their money.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX of 2019 I opened an account with First Premiere, I was making my payments up until I came across finacial instability due to The COVID-19 Pandemic. I learned that under The CARES Act my rights were being violated in which no negative remarks should of been reported. Furthermore, I learned that The HEROES Act reinforces this and even more adds restrictions on reporting and debt collecting.This debt has been sold for collection and upon learning about The HEROES Act I realized it was a violation of my rights to be reported negatively and collected on during The COVID-19 pandemic.
Product: Credit reporting or other personal consumer reports

Unauthorized Hard Credit Inquiry Removal Request I formally request the immediate removal of unauthorized hard credit inquiries from my credit report under the Fair Credit Reporting Act ( FCRA ), specifically Section 604 After carefully reviewing my credit report, I noticed XXXX hard inquiries that I did not authorize. Under the FCRA Section 604, a credit inquiry can only be made with the consumer 's explicit consent. I did not provide such consent for the following inquiries : XXXX Date of Inquiry-XXXX XXXX XXXX Date of Inquiry- XX/XX/scrub>XXXX XXXX XXXX Date of Inquiry- XX/XX/year> These unauthorized inquiries are negatively impacting my credit score and are a violation of my consumer rights. I request that these inquiries be removed from my credit report immediately. 

Please take this as a formal notice that you have XXXX days from receipt of this notice to remove these unauthorized inquiries. Failure to comply with this request will leave me with no choice but to pursue all available legal remedies to resolve this matter,
Product: Checking or savings account

Received 3 emails from Bank of America. Account to be open, XXXX  XXXX  Account : Confirm email, account to open being processed and confirmation of account approved. XXXX ( est ) XXXX ( est )
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX Subject : Cease Request for Deletion of Inaccurate Collection Account from Credit Report XXXX XXXX XXXX XXXX XXXX  am writing to you regarding a collection account that appears on my credit report, which I believe to be inaccurate. I am formally requesting that you cease all reporting of this account. 

I have reviewed my credit report and noticed that your company reports a collection account that I believe is inaccurate or incomplete. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any information that I believe to be erroneous. If you do not cease reporting this account, I formally request " Proper Validation and Proof of Claim '' as required under the Fair Debt Collection Practices Act ( FDCPA ). 

I seek comprehensive validation of the alleged debt, including evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. To assist you in meeting this request, please provide the following documentation : 1. A copy of the original contract or agreement under which the debt arose.

2. A detailed account statement showing the amount of the debt, including any fees or interest.

3. The Date of the Last Activity on the account.

4. Full, accurate identification ( e.g., my Social Security Number ) that may help to identify me as the correct person you are attempting to collect from.

5. Documentation confirming that you have the legal right to collect this debt.

6. Any correspondence related to this account that includes my signature or consent. 

I demand that you take the following actions : 1. Immediately cease reporting the collection account associated with my name.

2. Confirm in writing within 15 days that this account has been deleted from all credit reporting agencies or provide the requested validation.

Please be aware that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. 

Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly and amicably. I look forward to your prompt response. 

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

They need to correct my address and remove the other addresses they overlap I'm not a XXXX I haven't work for that company since the XXXX
Product: Consumer Loan

I was helping a friend with an auto transmission repair at XXXX XXXX they approved my financing at Personal finance here in XXXX Indiana they did not repair the car correctly they filed for bankruptcy I was out over XXXX on the loan personal fince manager said he would make it right I was appaulled they took XXXX off as a write off and all my credit reports show I was XXXX payments late that is totally wrong only had a 12 month loan for this transaction this was very unfair on there part they have had many complaints against them over the years. Thank You XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX and XXXX XXXX XXXX were my XXXX XXXX XXXX XXXX XXXX  They opened and used numerous accounts without my authorization. I notified the creditors. I was told to provide information that i don '' t have and I was also told because it is over 60 days that I am responsible. I provided with copies of the police reports. Instead, they kept selling them to different buyers. I need your help. i requested them for the original contract with my signature, the complete information of the original creditor, the payments history and itemizes bills, and proof of ownership. Proof that it was permanently deleted out of all credit bureaus
Product: Credit reporting or other personal consumer reports

I discovered in XXXX my identity was stolen. I have bereft fighting this for four years. I was able to get XXXX reports. They are reporting fraudulent accounts that are XXXX XXXX XXXX and two fraudulent accounts that are XXXX XXXX XXXX. Status of limitations is 7 years. But it gets worse I have a freeze and fraud alert and my reports locked. When opening up to look at my report the lock was open. Now that explains how a credit card was open this year. 
But they claim to verify everything.They verify nothing. There is on account that is states negative but there is no money, it says no status. Why is that not been removed. It also states upon putting a freeze alert theme credit reporting agencies are to inform me that a hard copy is not or going to be done. 
Well I just discovered again they dont follow the law. They allow 4 or 5 hard copies to be not without my permission.when i discovered my identity was stolen I went on to XXXX a brought everything ( hard copy ) books to learn how to fix my identity. I feel like XXXX XXXX XXXX XXXX and over just with out the physical act of. They broke my civil rights, and destroyed my Character overv4? years.But, they stand behind their lies and state its been verified. 
I am mentally tired how do I get the last 10 fraudulent accounts and hard inquiries removed permanently. I only want my positive account in my reports. 
The best is XXXX  They yelled at me and said they have everything verified on me. We they were living. I started working at the high school in my town on XX/XX/XXXX. They are reporting I started XX/XX/XXXX. That would make me four years older than my mothers. But they swear it verified. They have the incorrect information on when I retire and the rest is the same accounts they are keeping on my reports for 30 years and 11 years. I wan to make then accountable for what they have done to my mental state and physical health. I want to sue them for XXXX XXXXXXXX XXXX  Please you dont understand I always follow through. Thats how come I was able to catch them lying.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX capital one with all major bureau in violation police reported with ID theft gov violation of my rights!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I SAW ACCOUNTS THAT WERE FRAUDULENT AND REPORTED THEM TO CREDITORS AND THEY REFUSED TO REMOVE THE ACCOUNTS.I 'D LIKE TO REPORT THE CREDITORS AS NEGLIGENT.
Product: Checking or savings account

Ally Bank. Called in to get where to send Estate info. Faxed info in. Said they would call in3 days to give the account info from the decedants account. Called back 3 days later with proof of fax receipt and was told that they do n't have any of the info that was faxed in to them. They are trying to say they did not loose the info and then they changed their story saying that a 3rd party takes care of their faxes. The decedent department can not be called directly and my personal information along with my parents info is not accounted for. Have called and been given many excuses and no information on the account that needs to be closed. Guess they are inept and want to keep the funds. Very unhappy with the ineptitude and lack of help in this difficult time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX, XXXX and Transunion to dispute the validity of an account showing up on my credit reports. I sent multiple letter to all three agencies. I explained in the letter that I have never done no business or received any service from XXXX XXXX collections company. Any account with XXXX was merged with XXXX, I currently have my plan with XXXX XXXX
Product: Mortgage

I received a check from my insurance company to repair the storm damage from hurricane Michael. I received the check in XXXX I had already started the repairs and cleanup. I have paid out of my pocket knowing the check was coming. After sending the check to the loss department 3 times for various reasons to get it endorsed. They send me a list of paperwork that I had to get all contractors to fill out including XXXX who was one of my contractors to replace the roof. The contractors thought I was nuts said they had never had to do any of this and would have to run it thru their legal department. Well all this time it just keeps adding hardship to me. Now all the repairs except the roof have been completed the roof within the next week or two. I sent contracts for the repairs such as the roof I have called various people in the " loss '' department trying to explain the situation which they do not care they will not release any of the funds. I have talked to the supervisor with no results. They are costing me money by holding onto my insurance funds. I have created debts that I have to pay interest on for the repairs and contracts for the repairs to my home. The last time I called they said they have decided that they were not going to allow homeowners to do any of the repairs. I do not understand how they have the right to tell me what or how the repairs get done, they are welcome to inspect to see that the repairs are complete. This is just another hardship on my family. I have paid day labor for people to help with the cleanup and debris removal other repairs waiting to be completed can not be completed until they release the money. I have never missed a payment. but with all the money I am having to spend for repairs I may have to.
Product: Debt collection

In XX/XX/2021 I sent over a certified letter to Midland funding requesting debt validation. Tracking information shows the letter was received and signed for. Per FCRA collection agencies have 30 days to respond to the debt request with valid information to prove the account is authorized to be listed on my report. Well Midland has disregarded all FCRA rules and regulations. They have failed to provide any legal documents to prove this debt is mines. This unverified inaccurate account needs to be removed from my credit report IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

On several occasions, I have disputed the erroneous tradeline named " Exeter Finance '' that is being disputed on my Equifax Report. Even though after XXXX  and XXXX  have removed the erroneous tradeline years ago, Equifax has failed to do so. I have requested from Equifax a description of the method that they used to verify the account as mine. They have failed to provide that to me as well.
Product: Debt collection

XX/XX/2021 LTD FINANCIAL XXXX XXXX XXXX called my daughter on her cell phone he started to tell my daughter that i have a debt and that it needs to be paid he gave he the dollar amount and was telling her that I need to pay the debt. He is calling her everyday and leaving messages but not leaving a phone number. In the messages he address that card information the amount that is owed. I spoke to a XXXX today to explain that this XXXX person has validated my privacy by given a lot of my information to an other person. He panicked and started to say that my daughter address herself as me XXXX and she told him NO SHE DID NOT he did not give her a chance to answer to just started talking. 
i TRIED TO MAKE A RESOLUTION BUT THEY DID NOT AGREE.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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 Hey hope all is well I ask the Credit Bureaus Transunion, XXXX and XXXX to do and verification on everything on my credit report and they did they stated that everything was accurate. I did my own research and I seen that I have an collection account on my credit report being reported inaccurately with : XXXX XXXX XXXX account Number : XXXX The account is being reported on my credit report inaccurately and I all I ask is that the Three credit bureau removed the account please and thanks. In accordance with the Fair Credit Reporting act XXXX Accounts, 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