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

I have a public record & XXXX XXXX entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, XXXX and Experian verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine. The accounts Im speaking of are XXXX XXXX, XXXX XXXX, and Chapter XXXX Bankruptcy.
Product: Credit reporting or other personal consumer reports

I have tried numerous times to speak with someone regarding this account, my wallet was stolen from my purse and accounts were opened online. This is one of them. I have tried to dispute and speak with supervisors and nothing gets resolved and the account comes back verified and updated. How when it wasnt me who opened it and it was done online? I did not sign my name to anything with this company.
Product: Credit card

XXXX XXXX Fraudulent charges to my Home Depot Credit Card account XXXX disputed charges with HD Rep by phone. rep stated it was obvious these were fraudulent charges appearing to be an inside job. 
XX/XX/XXXX HD credited fraudulent charges to my account Later HD denied charges as fraud charges stating a chip card was used. 
we have two cards and were in our possession and no unauthorized use was made by the two card holders XXXX XXXX I reopened claim and no response My attorney filed a demand letter XX/XX/XXXX with no response. later contacting HD by phone and was told they would look into the claim. still no response XX/XX/XXXX Attorney filed another demand letter with an appeal to open the claim. 
no response to date. 
Total amount of Fraudulent charges {$6600.00} plus accumulated interest {$3200.00} totals {$9800.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Misleading and Inaccurate information on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

a. I fully paid off all my charges in XX/XX/2018 for my Citibank AAvantage Card. 

b. I called in XXXX to close the account and was assured by the agent I spoke with that I did not owe anything including the annual membership fee. 

c. At the end of XXXX, I received an email stating that my account was past due and I owed over {$600.00} due to the annual fee remaining on the account and accruing interest and late fees. I had not been receiving statements since we moved to XXXX and assumed the account was closed after the phone call in XXXX. 

d. After numerous lengthy phone calls, which culminated with Citibank reviewing the audio transcript of my XXXX call with the agent to close the account, Citibank acknowledged the error and removed the annual fee, all the late charges and interest. 

e. Now I am trying to purchase a new home and the only blemish on both my wife and my credit reports is this issue that was reported by Citibank as the account being 90 days past due. This has dropped our scores significantly from a 30 year unblemished history. 

f. I have requested that all the adverse reporting be removed, but several weeks later after multiple phone calls nothing has happened. Several of the agents that I have spoken with have admitted the Citi error. I'm sure these calls were recorded I am a XXXX  veteran with four tours in XXXX and my wife is also a veteran. Between the two of us, we have nearly 50 years of service and this is the first time we have had negative items on our credit report. Please help.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

Ally XXXX XXXX XXXX XXXX XXXXXXXX XXXX NJ Mortgage Dept I could not access my online dashboard to make my usual monthly paymt. I always pay one month in advance because Ally is notoriously bad at making mistakes. On XX/XX/XXXX, I went in to pay my XX/XX/XXXX mortg pmt. I could not access my dashboard and had a message to call in. The service rep said we all rec 'd a mailer that said the website was migrating and we needed to create new profiles ( I rec 'd no such mailer ). When I attempted to create a new profile, it sent a verification text to a phone number not associated to me. The account rep also had another number on file not associated to me. He could not fix my account, I could not access my data, and they had faulty data associated to me. They promised a return call which never came. When I called in the next day, another rep disclosed that the email address I updated to was no longer on file and it reverted to the email owned by the lender Ally bought my mortgage from. Additionally, my DOB was 'wiped ' which was preventing me from accessing the online profile. Finally, the service reps kept asking me to take a pmt over the phone which I was uncomfortable doing. I learned they did not actually work for Ally. When asked directly, they refused to answer they worked for a third party. Their lack of transparency and honesty is a red flag in this operation. In summary, Ally 's abuse and loss or misplacement of data is critical security issue, and they have operators in place not qualified to remediate the issue. My data is currently unsecure and I request your immediate investigation.
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Was never able to get in contact with the original creditor about the alleged debt before it got sold to XXXX. A affidavit was sent a long time ago but XXXX XXXX XXXX, Chooses to ignore it. They bought the debt from another creditor and I never seen a letter from the original creditor, never even heard of the company. The original creditor failed to contact me. I was never notified from the original creditor not even a demand letter
Product: Credit reporting or other personal consumer reports

I was a victim of ID theft. There are inquiries that are on my XXXX credit report that are fraudulent and do not belong to me. I have already filed a FTC report the inquiries are XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 accordance with the fair credit reporting act. XXXX  XXXX  # XXXX. XXXX XXXX XXXX  # XXXX or # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 




15 U.S.C 1681 section 602 A. States I have a 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: Money transfer, virtual currency, or money service

I am writing to formally express my concern regarding Zelles handling of disputes, partially in light of the 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 claim adequately. They informed me that recovering lost funds were impossible and that tracking these transactions were unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency has raised serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

[ XXXX XXXX ] [ XXXX XXXX XXXX XXXX ] [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Charge-Off Reporting Dear [ " To Whom It May Concern '' ], I am writing to formally dispute the charge-off status of my account, [ XXXX ] as it appears on my credit report. I believe that this account should not be reporting an amount due. As per my records, the account was charged off on [ XX/XX/XXXX ], and I have made reasonable efforts to settle or negotiate this debt prior to this designation. According to the Fair Credit Reporting Act, a charge-off indicates that the creditor has given up on collecting the debt, which may mean that the reported balance should not reflect an amount due from me. I kindly request that you review my account and update your records accordingly to reflect that there is no amount due. Additionally, I would appreciate a confirmation of your findings and any adjustments made to my credit report. Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX
Product: Checking or savings account

I opened an account with Bank of America in XXXX XXXX, Texas approximately a month ago. From day one it has been a hassle. I went into the bank and spoke to a man " XXXX? " and he could not help. When I opened the account was told to keep a certain amount and there would be no charge if funds were wired into the account. The account was no " old '' enough to have the funds deposited by wire cause I closed it less then a month due to the charges prior to receiving them ( hope all this makes sense ) I get from 3 retirements a total of {$2700.00} a month. Opened the account with {$100.00}. It was not working out so I went to the bank trying to resolve a problem of charges and was totally " ignored '' so I got up and left. I closed my account over a week ago. I wrote the head office and the one in XXXX XXXX, Texas why and no one ever replied. I am now getting a charge of {$35.00} daily totaling {$200.00} now for not having funds in account. I wrote a letter which to date has not been honored. Now they are asking for {$35.00} a day and the amount now is {$200.00}. I do not feel I owe them a dime. Please help
Product: Credit card or prepaid card

On XX/XX/XXXX I called in to Citi bank credit card customer service. I wanted to inquire about doing a credit line increase on my credit card. I ask specifically if I wanted to do this first if there was a hard inquire or soft. I was told it would be a soft inquire. 2nd I asked if this is something that I need to call in to have done or can I do online. I was told on line or calling in. I choose to go online and it told me that there would be no hard inquire pulled I went ahead and input my information and then I was told on the next screen that I would be notified of the decision. I later that day received an email saying it was approved. Now today XX/XX/XXXX I am getting alert stating that my XXXX  credit report was hit with a hard inquire from CB. I called to asked about this and was passed from person to person and then told that the inquire must have been a mistake and it would be stuck on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Late payments are being illegally and inaccurately reported on my consumer report. I've contacted them to have this removed and it has not been removed. This is causing me extreme stress  and frustration as they can not be trusted. They are damaging my character with this inaccurate information reporting on my credit report.
Product: Mortgage

Select Portfolio Servicing has been the server receiving my mortgage payments for almost 2 years. And out of the 2 year time frame, my mortgage statements have arrived late, numerous times. Usually around the XXXX or XXXX of the month. When I call to inform them, they would say, pay $ XXXX {$25.00} each time to pay online or by phone. Or give them my bank Info. I would refuse, and explain, that if they mailed the mortgage statements early enough, there would not be an issue. After each complaint, in retaliation, SPS would send my mortgage statements later each month, or report falsified information to the credit bureau, causing my credit to drop. In three days my credit score dropped XXXX points. I love a paper trail. It has been one issue or another with this company. Select Portfolio Servicing is engaging in unfair, deceptive, illegal practices. I mailed my XXXX payment XX/XX/2022, the same day I received it and they still have not been posted the payment. In the 2 year time frame I have paid on time, but SPS sent me a late notice but waived the fee. I have never payed late. SPS is deliberately not posting my payments on time. Moreover, I checked my 3 credit report, and SPS reported that I have an account, with the number # XXXX, which is a XXXX XXXX XXXX XXXX loan. This is not my account number, this information is fraudulent and the information has been falsified. My account number is # XXXX and I don't have, or ever had a XXXX XXXX XXXX XXXX. I have a FHA loan. FHA XXXX XXXX : XXXX. The address on this fraudulent account is in XXXX, FL. However, I send my mortgage payments to XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX. The credit report states, it was updated on XX/XX/2022. Who updated it?
Product: Debt collection

Over a year ago, XXXX, I received an email from a police officer in XXXX saying that XXXX ( a XXXX company ) was pressing criminal charges against me alleging fraud over a {$600.00} transaction. I attended the court date, and neither the officer who filed the complaint nor a representative from XXXX payments was there. The judge informed me that I would be notified of a second court date appearance where the case would be settled, however I was never contacted again regarding this matter from the court or the company, and I assumed it had been thrown out by the judge. 

Today I come to find my credit score is lower than it usually is and see that there is a collection claim out against me from XXXX through Allied Collection Service , Inc. of XXXX for the same disputed amount that I had previously attempted to settle in court. 

So, 2 years now after the disputed transaction has occurred I 've had criminal charges and a civil suit taken out against me. Is n't this barred by the Constitution ( 5th Amendment )? Also, if XXXX would have just sent me a bill in the mail as soon as they realized they were not paid for the disputed transaction, I would have gladly paid it and had this done with. 

At no time have I even been able to defend myself to the company or in the court. And now, over a year later, they are targeting me through a collection agency. 

This just does n't seem right, especially since I have received no emails, letters, or phone calls regarding this matter besides the one notice that said I had to appear in court, which I did.
Product: Vehicle loan or lease

I have a simple interest auto loan with Consumer Portfolio Services. On XX/XX/21 they received a payment pf {$11000.00} and the are reporting my loan as delinquent because the payment was from a third part. With the payment of {$11000.00} this should've advanced my next pay 28.4 months.Instead Consumer Portfolio Services are reporting my account as delinquent.I 've been told that because the payment was from a third party it is their policy not to count the payment as being from me, which doesn't matter because the payment was made.
Product: Payday loan, title loan, personal loan, or advance loan

I noticed that the company was double charging me every month causing my checking account to over draw hence overdraft fees. So when I checked into that I realized the company has my loan at over % XXXX. I was desparate and needed to be able to travel to see a friend before they passed away but no where did I see % XXXX interest rate! I never would have signed that. So I asked for a copy of the documents they never produced them
Product: Checking or savings account

Back in late XXXX I noticed charges in my account that were not made by me and these charges kept showing up over and over again in my account. I tried numerous times to resolve it with the merchant ( XXXX ) and the only thing they could do was confirm it was fraud and told me to take it up with my bank since the scammer apparently was charging my card then calling and getting refunds sent to another card. XXXX refused to give me that statement in writing. I filed a police report and the police sent a search warrant to XXXX to release the data for the charges. My sheriffs office received that data that did confirm the charges were made in states that I have never been to or lived in so the police confirmed it was indeed fraud charges. This report was sent to Chase and they still denied numerous times to reverse those charges. They told me to deal with it outside of Chase which to me is so wrong considering I had hard proof of the fraudulent charges.
Product: Credit card or prepaid card

American Express charged me {$13.00} late fee plus {$0.00} interest for stating that XXXX statement bill has been paid late. Just to note, XXXX statement bill amount was {$13.00}. Through XXXX XXXX XXXX online bill pay services i've scheduled {$13.00} payment to be delivered to American Express on XX/XX/23, which was the payment due date. On XX/XX/23 XXXX XXXX  withdrew the funds from my checking account and delivered the funds to American Express on XX/XX/23. However, American Express is stating that the funds were received on XX/XX/23. I have proof of payment from XXXX that funds were delivered to American Express on XX/XX/23. To resolve the issue i had conference call with XXXX and American Express representatives, but American Express representative refused to resolve the issue. So, i don't know what to do and need assistance from CFPB to resolve this issue. In advance, thank you for your assistance. 

Regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX XXXX XXXX XXXX/XXXX/2320 Re : Dispute of Collection Accounts and Request for Permissible Purpose Documentation To whom it may concern, I am writing to you as a consumer XXXXXXXX XXXX XXXXXXXX, whose personal information is provided below. It has come to my attention that there are XXXX collection accounts associated with me XXXX XXXX in your records. The details of these accounts are as follows : XXXX. Account Name : XXXX XXXX Account Number : XXXX Date : XX/XX/2023 XXXX. Account Name : XXXX XXXX XXXX  Account Number : XXXX Date : XX/XX/2023 Upon reviewing my XXXX XXXX XXXX credit history, I have concerns regarding the legality of these accounts and the information used to establish permissible purpose for obtaining XXXX XXXX XXXX personal information XXXX It is my belief that the collection agencies, namely XXXX XXXX and XXXX XXXX XXXX have failed to provide sufficient evidence of permissible purpose as required by federal law. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681b, collection agencies are required to have a permissible purpose when accessing and reporting consumer credit information. This includes obtaining consumer reports for the purpose of collecting debts. It is crucial for the collection agencies to demonstrate that they had a valid and lawful reason to obtain XXXXXXXX XXXX XXXX personal information, as failure to do so can result in serious violations of my rights as a consumer. 

Therefore, I kindly request that you provide me with the following documentation within 30 days from the date of this letter : 1. Any and all documents, agreements, or contracts that demonstrate a permissible purpose for accessing XXXX XXXXXXXX XXXX personal information in relation to the aforementioned collection accounts. 

2. A detailed explanation of the steps taken by your agency to verify the accuracy and completeness of the information provided by the original creditors, specifically with regards to the validity of the debts and XXXX XXXX XXXX obligation to pay. 

XXXX. Copies of all correspondence, including letters, emails, or any other form of communication, sent to XXXX XXXX regarding these collection accounts.

Failure to provide the requested documentation within the specified timeframe may result in legal action to protect XXXX XXXX XXXX rights under the FCRA and other applicable laws. This could include seeking damages for any violations and reporting non-compliance to the appropriate regulatory authorities. 

To ensure accurate and timely communication, please direct all correspondence regarding this matter to the undersigned at the address provided above. I expect your prompt attention to this dispute and request, as the law mandates swift resolution of consumer credit issues. 

Thank you for your immediate attention to this matter. I look forward to receiving the requested documentation and resolving this dispute in a fair and lawful manner. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX
Product: Debt collection

I request from Portfolio Recovery Associates complete details of several accounts they claim were purchased. My demands are as followed : 1 ) I request copies of any documents to prove ownership transfer.

2 ) The upset price on purchase.

3 ) The date of charge off.

4 ) The date of purchase. 
Thank you. 

XXXX XXXX