23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I've attached the proper information showing that this company, XXXX has fraudulently and falsely reported dates on all three of my credit profiles. The attachment 's shows the minimum due, which was paid as promised monthly of {$37.00}. XXXX has reported to XXXX, Equifax, and XXXX that I was late for these XXXX consecutive months. All attachments show that the statement balance changed each month, meaning the payments were being processed.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concern regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelles 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 and consumers safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Personal Statement I have been XXXX  for 5 years and someone use my identity to apply for credit, heres a list of unauthorized inquiries on my credit report that i wish to be removed : XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX  XXXX, XXXX XXXX XXXX  XXXX , XXXX  XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX, All the above inquiries is unauthorized and should be disputed from my XXXX  Report and all 3 Credit Bureaus XXXX Equifax And XXXX Under the laws of the FCRA ( 15 USC 1681-1681u ) these unauthorized inquiries and accounts must be removed.
Product: Credit card or prepaid card

A few months ago, I attempted to make a normal, monthly payment to my account statement over the phone, using my debit card attached to my checking account. I thought the payment had gone through okay, as I received a confirmation number. A month later, however, after seeing my printed statement, I noticed the bank indicated that I had made a stop-payment on the amount I had paid. Realizing it was an error ( I had never requested any stop-payments on my account ), I contacted my bank who issued the debit-check card and the First National Bank of Omaha, to whom I had made the payment. I then did a 3-way conversation with my bank and the Bank of Omaha customer service to try to rectify the error. It appears when I made the phone payment, I may had inadvertently left out one of the numbers in my checking account when putting my information in. Even though The First National Bank of Omaha customer service rep realized it was an error, the person I spoke to was extremely rude and condescending, and refused to rectify the situation. I received a letter stating my account had been closed for delinquency, although I had no past-due amount assessed to the card. As a result, my credit has been damaged and I am struggling to pay the card off, as they are adding on late fees and interest.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach, and my personal information has been used fraudulently. As such, I request that the following account and inquiries be blocked and permanently deleted from my credit report under the protections of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) : Fraudulent Account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

1. Appeal of 3rd & final Trial Payment plan went through as a partial payment 2. Representative never revealed if payment was to be from 2 separate verified accounts it would become a partial payment ; 1 went to escrow **** 2. ( b ) UWM does not accept partial payments nor was any online payment accessible only through phone representatives. 

3. Additional transfers would have been made and payment call back from 1 account if partial payment was revealed. 

3. ( b ) prior Two Trial payments received XX/XX/XXXX & XX/XX/XXXX XXXX. The payment was to ONLY go towards my FINAL TRIAL PERIOD PAYMENT PLAN ; not into escrow. 
5. Ive been informed this is the reason I was denied completion of the Trial Plan, which I am disputing. 
XXXX. We just got out of a hardship due to loss of income & special forbearance. 

7. Confirmation # XXXXwas given for Final Payment and told Loan was to be in process of being brought to Current after Modifications. 

8. Conversation w/ all rep ( s ) were noted and recorded 6. UWM rep informed the full amount being received from 2 accounts would be staggered apart BUT noted same day payment XX/XX/XXXX towards final Trial PAYMENT ONLY, only 1 confirmation number provided.

6 ( b ) there is absolutely no reason payment would be requested to be put into escrow during this time. 

7. I am disputing this partial payment and the denial decision of my Trial Payment Period - XXXX XXXX What is it XXXX XXXX XXXX XXXX. I am requesting my payment ( both ) to be placed to Trial Plan and decision to be reconsidered.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCOUNT IS STILL OPEN, I STILL HAVE THE CAR BUT IT SHOWS AS CLOSE. ACCOUNT WAS BROUGHT UP TO DATE AND MONTHLY PAYMENTS HAVE BEEN MADE ON XX/XX/2018 & XX/XX/2018 BUT ACCOUNT SHOWS AS CLOSE IN THE CREDIT AND NO PAYMENTS MADE. I HAVE CONTACT THEM AND MY CALLS HAVE BEEN IGNORE. WHEN THE ACCOUNT WAS BEHINF THE OFFER INFORMATION OF THE ACCOUNT TO A THRID PERSON WITHOUT BEING AUTHORIZE.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. I've submitted the identity theft report and Police Report as additional documents for this fraudulent item. Please remove the account : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I've contacted Equifax multiple times about the XXXX score they are reporting that supposedly reflects a " serious delinquency '' on one of my accounts. I've examined my entire credit report multiple times but do not see any delinquency shown there. Equifax has given me conflicting information about this : Once they said they are not factoring a delinquency into my score ( which is not true ), and another time Equifax said that XXXX is reporting the delinquency. However, XXXX said they are not reporting a delinquency and the score is being factored and reported by Equifax. I submitted a previous complaint to CFPB ( i.e. XXXX ) but Equifax did not correct the problem in response to that complaint.
Product: Debt collection

The companies representative XXXX ( not sure of correct spelling ) contacted me today XX/XX/20 at XXXX XXXX  and I advised the representative that they had the wrong number ( A tactic of my own I employed to stop receiving calls 4-5 times a day ). The representative stated that this was highly unlikely and asked if I could confirm the last 4 of my social with him and I said no but he could verify the ones he has on file with me so I could confirm or deny and the representative gave out the last 4 of my social without verifying who he was speaking with and I think that is that is ridiculous. This was a complete and direct violation of my rights and privacy.
Product: Credit card or prepaid card

Comenity Bank had someone elses payments and transactions posted on my account on XX/XX/XXXX. I called them but the CSR could not understand what I was telling him. He kept asking me if it was fraud. It was not fraud, it was an account problem where what I was seeing online was not my information. He finally gave me the IT department number. Of course, no one would answer the phone. I finally resorted to contacting Comenity Bank through their online Secure Messaging. I had a very generic response within 24 hours stating the request had been forwarded to the correct department. I have received no communication from them since XX/XX/XXXX. As I am very concerned about the state of their online security I assume someone else was able to see my payments and transactions I started requesting them to close my account on XX/XX/XXXX through their " secure '' messaging. They will not allow you to close an account online. I dont have hours to spend waiting on hold, so I have requested they close my account on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have had no response from them nor has my account been closed. I am very unhappy with this bank. I have had the Sony credit card for years and closing the account will reduce my credit score. However, when the card was transferred to the control of Comenity Bank there have been constant website outages, the inability to access my account online, and the card declined at various brick-and-mortar stores ( where the card was presented in person and I had a large available credit balance ) with no explanation when I called the number on the back of the card, etc. Their customer service is non-existent. I can no longer tolerate the ineptness of this bank. I am upset my personal information may have been compromised ( with no explanation or even an apology ) and my credit score has to take a hit because of their incompetence. Please help.
Product: Debt collection

Received two letters in the mail, one addressed to me ( name spelled incorrectly ) and one addressed to the occupants of my home address. The date executed on paper states XX/XX/XXXX. The letter is informing that my property will be sold if the amount of {$21000.00} isnt paid within 90 days. In the paperwork the notice is given by XXXX XXXX XXXX and the deed trust dated XX/XX/XXXX, executed by XXXX XXXX, AND XXXX XXXX XXXX. This looks like an old debt that these two people never paid when they used to own the house. I purchased this home on XX/XX/XXXX. All my finances are current and up to date
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been reaching out to Experian and XXXX regarding an account that was placed on my credit report back in XXXX with XXXX XXXX XXXX. I have sent over 10 letters and verification of all documents requesting that an investigation be done since this same account was on my credit report under XXXX years ago and was removed from all 3 because I do not owe this debt. The company just sent me a signed contract from XXXX on XXXX XXXX which very well indicates a one year contract which I canceled because # 1 my house was broken into and # 2 XXXX went out of business after filing a Chpter XXXX. I have contacted this debt buying company as well to get this information removed, I have filed several complaints with the XXXX XXXX XXXX  and with the CFPB because 1st I never received the validity of the debt within 30 days of request. Also it's a debt that I donot owe. Both Experian and XXXX continue to Update this information from XXXX XXXX   with out any verification. Therefore I have also seeked an attorney for assistance and received a call from XXXX on Friday XXXX XXXX from XXXX XXXX XXXX telling me that he received an email from XXXX indicating that this was a verbal agreement to continue my contract with XXXX he also stated that there was no signed affadavidit however he would send me what they received. So therefore there is nothing showing I owe this debt and there was never a conversation that we can go to court on stating I agreed to this, .Credit report shows placed for collections XXXX howeer this was added in XXXX indicates that XXXX/ XXXX is the company and my paperwork which they sent me states XXXX XXXX which was the solicting company working for XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried several times to get XXXX  XXXX XXXX to correct the current payment status on a loan transferred from them to XXXX XXXX. Their representative called to update me on the progress XX/XX/2019 and said they believe the payment status is being reported properly. I asked how a statement in plain english on my credit report saying I am currently past due on a loan closed 3 years ago could be accurate, and she asked me to fax any further documentation I had to her, and someone would look into it. I did that, but no one looked at it, or at least contacted me back. 

Evidently XXXX  XXXX XXXX used that phone call as a successful completion of CFPB complaint.
Product: Checking or savings account

XXXX- Current, via automated email : " After a review of your account, we noticed activity which requires us to obtain additional information to verify your identity. '' XXXX - Me, in reply via email : I asked several questions, including for more details on how to meet the address verification requirement given the documents I have available, and how to submit my ID verification without using email attachments. ( It should be understandable that some users might be uncomfortable with emailing scans of ID cards etc. ) XXXX- Current, via email : Ticket reply containing exactly the same information as the initial message on XXXX ; none of my questions were answered. 

XXXX - Me, via email : Bumped the ticket reminding whoever would read it that I had asked questions, and repeating the original ( boilerplate ) message didn't answer them. 

XXXX- Current, via email : " Following an internal review of your account activity, we are exercising our right to permanently close your Current account '' Note that the original deadline given for ID verification in the first email on XXXX ( and the copy sent on XXXX ) was 14 days. I should have had at least another week to work with Current and sort this out. 

XXXX - Current app on my smartphone is signed out. Attempting to sign back in yields a message that the account is suspended, and a button to contact account services. Contacting account services does not work ; " Something went wrong '' when I try to submit " feedback '' to them.
Product: Credit reporting or other personal consumer reports

There are several errors on my XXXX and TransUnion credit reports. on my XXXX XXXX ) XXXX XXXX acct # XXXX, XXXX ) XXXX XXXX XXXX  XXXX acct XXXX XXXX * XXXX. TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries XXXX ) XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

In XX/XX/XXXX, Experian started reporting that 4 of my student loans through U.S. Dept. of Education are being included in a Chapter XXXX bankruptcy on XX/XX/XXXX. I have no bankruptcy on XX/XX/XXXX, so how could these accounts be included in a bankruptcy on this date. When this information was put on my credit report, it caused my Fico score to drop 21 points. I want this inaccurate information delted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have notified equifax of this fraudulent account that is in litigation! XXXX XXXX XXXX and XXXX has removed this fraudulent account from my credit profile, Equifax removed fraudulent account due to federal law! 5 USC 1681 c-2 once reported that an account is fraudulent the credit bureau ( Equifax ) must remove in four business days. equifax complied with intial but has violated federal law 15 usc 1681 ( A ) Accuracy and fairness of credit reporting agencies. This is a fraudulent account that i took into litigation and the company could not provide an original contract and the case is closed and so is this fraudulent account that Equifax re inserted into my credit profile which is a federal violation of federal law 15 USC 1681 ( g ) ( i ) ( ii ) requirements related to reinsertion of preveiously deleted material. if any information that has been deleted from a consumers file pursuant XXXX XXXX ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing no later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose by any other means available to the agency. your company has committed numerous federal violations and must be held accountable.
Product: Vehicle loan or lease

The car XXXX XXXX XXXX was a total loss XX/XX/XXXX. XXXX ( my insurance ) paid XXXX XXXX {$20000.00} for a XXXX used vehicle when my pay off was XXXX plus an additional XXXX XXXX monthly payments I was making since XXXX XXXX. I have emailed them multiple times requesting the " prior damages '' I still owe and until this day I have not received any reports or a letter stating what were the " prior damages '' and now my credit score is been affected. I have also called multiple times and since it's a recorded line they do have it on records. I need your help please to help me resolve this matter because they refuse to close my account.
Product: Credit reporting or other personal consumer reports

MY CREDIT REPORT HAS INQUIRIES THAT DO NOT BELNG TO ME I HAVE BEEN A VICTIM OF THE DATA BREACH AND MY CREDIT WAS USED TO APPLY IN PLACES NOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I started 72 month auto loan with XXXX XXXX XXXX in XXXX of XXXX. I made 100 % on time and in full payments ( confirmed by all three credit reporting agencies and XXXX themselves on over 10 occasions ). 

I had made the last payment on my auto loan onXX/XX/XXXX in the amount of {$310.00}, which generated a refund of {$1.00} as well as the issuance of my Title and pay off notice ( which were printed on XX/XX/XXXX and mailed to me XXXX. 

There was another payment made onXX/XX/XXXX in the amount of {$310.00} ( my account was set up direct withdrawls ), which was also refunded to me due to over payment in late XXXX. 

There was another payment made on XX/XX/XXXX ( again, automatically taken from my account ) in the amount of {$20.00}, which was also refunded to me due to overpayment. 

On XX/XX/XXXX, XXXX advised all credit reporting agencies that though my account was fully paid, and title issued, I was placed in delinquent status with {$0.00} due. After over 20 calls to XXXX, no one can tell me why I was listed as delinquent as my balance was paid off, title issued and they advised I was NEVER late on a payment. This has caused my credit score to drop over 60 points. 

On XX/XX/XXXX, I sent Transunion, XXXX XXXX AND XXXX all the materials I have ( payment history, title, pay off letter, etc .... ) to dispute this delinquate status. 

On XX/XX/XXXX, all three agencies corrected my credit report to show that my account was closed/paid on time/never late as it should be. 

On XX/XX/XXXX, XXXX, once again, reported my account to all three credit reporting agencies as delinquent with a zero balance on this closed account. As a result, my credit dropped another XXXX points. 

I have made, again, in excess of over 5 calls to Transunion and XXXX trying to get my report corrected and to get XXXX to correct whatever system issue keeps incorrectly reporting my account as delenquate to the reporting agencies. They advised me that the only way to do this is to dispute it again. They can not tell me if this will ever rectify the issue or if I need to dispute the same issue every single month because XXXX wont correct their system. 

I am trying to purchase a home and this XXXX point drop in my credit is preventing this from happening. XXXX is not helping me with this matter in ANY way other than telling me to keep disputing it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in processing disputes on my credit report to help delete an remove all inaccurate information that is hindering my file an is invalid on my credit report. this has been an ongoing issue that needs to be resolved. this is my 2nd attempt to prompt to delete all data listed. please review an check the data to delete all inaccurate information asap.
Product: Bank account or service

On XXXX XXXX we issued a check from XXXX XXXX XXXX and made a mobile deposit to PNC bank ( thus we transferred funds because XXXX has branches far from us XXXX. In our online accounts we saw that XXXX sent money and PNC received it on XXXX XXXX. On XXXX XXXX we tried to withdraw cash from PNC in XXXX, IN. The representative spent with us about 45 minuted and finally refused to give transferred money, even a portion of it. We could get only amount of the previous balance. During withdrawal we were repeatedly asked about the purpose of having cash ( we do believe that these questions were non-ethical, it is our money and our business what to do as we pay taxes and use money legally XXXX. 
We live almost XXXX miles away from the branch. So, we called in advance ; we made a trip just to know that we would not get money which we own.
Product: Credit reporting or other personal consumer reports

On my credit report I had disputed several accounts that showed incorrect information. My disputes were approved but the accounts would still show up on my credit report with the same account but a different company name.
Product: Credit reporting or other personal consumer reports

Upon reviewing my TransUnion credit report, I noticed some inaccurate information on an account of mine. XXXX XXXX account XXXX is reporting 2 late payments from XX/XX/XXXX and XX/XX/XXXX that are inaccurate. I have never missed any payments on this loan and this account is almost 7 years old. I'm requesting an investigation into these discrepancies. I'm asking for these payments to be updated promptly and to on-time.
Product: Credit reporting or other personal consumer reports

I have carefully reviewed my credit report in Experian. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me.
Product: Money transfer, virtual currency, or money service

I would like a refund for all the unauthorized transactions.
Product: Money transfer, virtual currency, or money service

I called and chatted with the company 's customer service representatives and they told me that they abide by whatever the merchant says. I purchased from a merchant 's name is XXXX. I purchased two shirts on XX/XX/XXXX they were too small I returned them they've been in their hands since XX/XX/XXXX. The company that I used for the financial transaction tells me they will not refund my money until the seller gives their okay which is 28 days from now!