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

Bank of America continues to report checking account fraud and account abuse after my repeated disputes to lawfully get these comments and the entire Bank of America account listing removed from my XXXX XXXX XXXX XXXX XXXX. I've done nothing wrong and Bank of America has yet to prove why it's not removing these illegal comments and the entire account listing for that matter. If Bank of America 's stance is solely based on the fraud/abuse comments within their XXXX  listing, then the entire account listing must be removed from XXXX XXXX XXXX , XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX. 
last 4 ssn XXXX address : XXXX XXXX XXXX XXXX XXXX, tx XXXX date of birth -XX/XX/XXXX I have dispute an inaccurate account on my credit report with Experian and XXXX. The account appears to be " OFFICE OF THE ATTY GENER ACCT # XXXX ''. I have been asking them for proof of verified and also advised them this is an inaccurate account and this account does not belong to me. FOR 5 months now the credit bureaus failed to send me proof and the courts has no record of me. This is inaccurate and this account needs to be removed. I will also file a civil complaint. The credit bureaus XXXX  and Experian failed to send me proof because they do not have it for over 180 days I been asking. This account is not my account. 
I am filing an complaint against XXXX and Experian because they failed to remove and inaccurate account " OFFICE OF THE ATTY GENER '' that is not my account nor can they verify because there is no record of me attached to this account. I WILL LIKE TO HANDLE IN A TIMELY MATTER PLEASE
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns about zelle handling disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platforms. Despite using Zelle numerous times and reporting discrepancies, Zelle and my financial institution failed to investigate my claims. They informed me that recovering lost funds was impossible and tracking those transactions was infeasible. The CFPBs findings indicate that zelle has not only neglected to protect consumers but also allowed repeat offenders to exploit the system leaving users vulnerable to scams.
Product: Payday loan, title loan, or personal loan

On Thursday, XX/XX/2023, at approximately XXXX hrs, I was making several payments online to Affirm. When I completed these payments instead of my account total balance being lowered Affirm applied upwards of {$2000.00} to my total balance of my account. I am afraid that Affirm is committing criminal fraud, by adding fraudulent total balance amounts to customers accounts. I immediately contacted Affirm, who did absolutely nothing to secure my account or correct the amount owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX/XXXX XXXX   XXXX/XXXX  ; XXXX/XXXX  XXXX  XXXX   XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX/XXXX XXXX   XXXX/XXXX  ; XXXX/XXXX  XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX/XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX/XX/XX/XXXX; XX/XX/XXXX/XX/XX/XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Account nameXX/XX/XXXX Account number XXXX  {$860.00} Have this company send proof of my signature. I have never done business with this company. 



Account name XXXX XXXX XXXXXXXX XXXX Account number XXXX Account charged off. {$2.00}, XXXX written off. 
Recent payment {$2000.00} If a payment was submitted for {$2000.00} as recent payment why is this showing on my report. Have this company send video proof or at the very minimum proof of my signature to validate this account. I have an identity theft alert on my account. 



Account name XXXX XXXX XXXX  Account number XXXX Account charged off. {$100.00} written off. {$100.00} past due as of XX/XX/2022. 

If they claim this was written off, then they are paid. The company gives me the run around. Says card was a PREPAID card meaning someone had to put money up to open it. If not removed, I will be filing a claim in court. I am done playing kiddie games.
Product: Consumer Loan

Credit Acceptance Corporation is reporting my account status to keep my account as a negative account with the XXXX credit reporting agencies ... On my credit report dated XXXX/XXXX/XXXX it shows that Credit Acceptance Corporation reported my account as " Paid in full '' was a collection. However as of today 's date XXXX/XXXX/XXXX my credit report shows account is now past due with a balance of {$8600.00}. Also by Credit Acceptance Corporations own Monthly Reporting to the credit reporting agencies and the paperwork they provided me they claim that my balances were XXXX amount and the amount the paperwork they sent me are different by amounts ranging from $ XXXX {$7000.00}. Each an every month.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$7300.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1300.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$640.00} ; XXXX XXXXXXXX XXXX Balance : {$43.00} ; XXXX XXXX XXXX  Balance : {$120.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$370.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$100.00} ; XXXX XXXX  XXXX Balance XXXX {$460.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX CARD XXXX {$14000.00} XX/XX/XXXX XXXX XXXX {$4600.00} XX/XX/XXXX XXXX XXXX {$9200.00} XX/XX/XXXX NOT XXXX  XXXX {$290.00} XX/XX/XXXX 15 U.S.C, 1681section 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 an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to Wells Fargo to open a joint checking account on XX/XX/XXXX. I was turned down by there XXXX because Wells Fargo was reporting that I had a charged off credit card with them and owed them money. The banker contacted the credit department and the recovery department both showed I paid off the account in XXXX. When you review my credit report it also shows that I paid off the credit card in XXXX. After over an hour on the phone, the banker was unable to resolve the issue and said they would need to refer it to an escalation team. 

This seems to be a new error that has popped up because I was able to open a new checking account with Wells Fargo back in XXXX which would have been after the supposed nonpayment on this credit card.
Product: Checking or savings account

I opened an account with citi bank in XXXX california from the moment i opened my account i had nothing but problems i was not able to use my debit card on multiple occasions a few days later they closed my account and they now refuse to give me the money i have left over on my account which is over XXXX dollars i now have no way to log in view my statements and have not been mailed any documents letting me know my account has been closed or any check with my remaining balance in it
Product: Credit card or prepaid card

XX/XX/19 : Both Merchant and Cardholder agree that consent was given to bill for {$69.00} of transportation service. Both Merchant and Cardholder agree that transportation service was never provided due to weather. Both Merchant and Cardholder agree that accordingly Cardholder is due a {$69.00} refund. 

XX/XX/19 : Merchant does not issue refund. Cardholder files dispute with Bank. 

XX/XX/19 : Bank issues Purchase Adjustment for {$69.00}. 

XX/XX/19 : Bank sends letter to Cardholder reapplying charge of {$69.00}. Bank provides statement from Merchant claiming that {$69.00} was refunded in cash. Merchant provides no additional documentation pertaining to such refund. Bank unilaterally closes dispute. 

XX/XX/19 : Cardholder sends letter to Bank attempting to reopen dispute. Cardholder denies ever receiving a cash refund. Cardholder also cites Mastercard Transaction Processing Rules, Section XXXX which explicitly forbids cash refunds in such cases. Cardholder requests {$69.00} credit to the same Card Account used to make the purchase per Mastercard Transaction Processing Rules, Section XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't not have a navy Federal credit union credit card. It's showing up on my credit report as a authorized user. I don't know who the primary cardholder or how they got my information to Even add me to thier account... Please remove me asap.
Product: Credit reporting or other personal consumer reports

Recently, I did an invest

igation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall-i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my cr
edit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

NCO Group performed a hard inquiries to my XXXX credit agencies without my knowledge or permission. This impacts my credit. I want it removed. NCO Group XXXX, La XXXX XXXX.
Product: Vehicle loan or lease

Upon attempting to login to the company website to make my regular payment as I have done over the life of the auto loan with Ally. I was met with a new Terms of Use requiring agreement before I can enter the website to make my payment as I normally would and have. The agreement is disguised to only agree to allowing electronic receipt of communication and documents. However, when carefully reviewed the updated terms of use give Ally power to do anything they please without any recourse available to the consumer. I can not log into my account to make my payment because Ally has the system set to not allow customer in without agreeing to the XX/XX/2023 updated Terms of Use agreement. I should not be forced to sign any agreement to login to my account and make a payment. Online payments are not to be blocked for companies to abuse consumer rights. 

Ally is trying to change loan terms with updated agreement. If it was solely for electronic notice consent why is it discussing loan terms. Also, it not only one part the consumer has to agree but there are two. In which they have setup so once a consumer agrees to the electronic communication part. A second agreement appears that only then does Ally pride an actual document link for review. Which the second part is much shorter upon first review however the link is deceptively implanted on the second signature window. 

The updates Ally is trying to make customers agree too are abusive and manipulative. Companies need to be stopped from these abusive tactics that more and more are engaging in as a way to execute money grabs and abusive customer service relationships. They need to be reminded that without customers they have no business to profit from. SO stop being abusive, mischievous and manipulative. The agreement is attached for review. Ally need to let me into my account without me having to agree to anything to be granted access.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am so tired of this, every single time I log in to look at my credit someone is doing something deragatory. I have paid off over XXXX in my outstanding debt, part of that was a small loan, to get rid of some cards and consolodate debt at a lower, fixed rate. 
They never increse my score accordingly, however when I got One loan for XXXX they decreased my score. I feel they are targeting me, perhaps because I keep complaining which is in itself DISCRIMINATION. 
This is completely unfair practice. you will see in the snapshot I was decreased XXXX points for a XXXX loan, in my past complaints they ALSO DECREASED MY SCORE WHEN I PAID DEBT DOWN. there is clearly an issue, and I am trying to secure a new place to live this is detrimental to me, they are going to cause and issue and I will sue if this practice continues
Product: Payday loan, title loan, or personal loan

The GM FINANCIAL with account number XXXX appears to be a charge-off account with a specific balance of {$6300.00}. The information itself is already an error because a charge-off account should have NO balance. Another thing is that the account was reported twice in XXXX, XXXX and XXXX XXXX. As per FCRA, the 3 bureaus and the furnisher are to provide 100 % accuracy and they are required to give responses and supply documents to confirm the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are incorrect and are adversely affecting my livelihood. 

XXXX XXXX late payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I reached out to inquire about my student loans, specifically requesting information on how to remove the deceased co-signer and seeking clarification on the current interest rates. Despite my efforts, I have yet to receive any response or assistance from the companies involved.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion allowed a person other then me to place a extended fraud alert on my Trans Union credit profile and I have been fighting with trans union for almost a year now trying to get them to remove the extended fraud alert that I did not place and I had a TransUnion account where I can go online and deal with it but I tried to remove the fraud alert through my online account would not let me to do it so I called Trans Union and told them the situation and they have made it to where XXXX cant even access the online Trans Union site that paid for And every time I called them they want me to mail copies of my personal information in the mail to their po box before they will remove the extended fraud alert that I didnt even place to begin with. I have told them that sending a copy of my driver license and a copy of my social security card is not safe to be doing. I asked them if I could fax the information and they said they didnt have a fax machine and then I asked them why can I upload the documents to the online site for Trans Union where you can upload your documents and they said that they dont do that it Has to be in the mail. And my mother days are in and stole them once like I dont think its a good idea to be sending my drivers license and Social Security card in an envelope in the mail or it could get lost
Product: Debt collection

My property was stolen with false instruments, namely the Assignment of Mortgage has been notarized by a company ( Countrywide ) that was closed in XXXX, however the same company was used to foreclose nd auction off my home in XXXX. I am the owner of the property and have been fighting, it was only recently that the fraud set on my family to steal our home was identified, my husband a 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 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: Mortgage

I am, a victim of predatory lending. I purchased home XX/XX/XXXX with adown payment of approx. {$30000.00} The original lender was XXXX. A high 2 year fixed interest rate and was told that I couldrefinance after 2 years, loan was sold and when I tried to refinance, I refinance I was was was denied, I was told they paid too much for loan. Home went intoforeclose and was saved XX/XX/XXXX. A audit company call me to investigate loan for aasking, fee of {$1500.00}. They suspect loan fraud. Please investigate