23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

Today, XX/XX/XXXX I recieved my first bill which said I didn't make a payment. On XX/XX/XXXX I set up auto payments for twice my monthly payment and they never took that out. So I've called them and they will not answer, 1.5 hours on hold.
Product: Checking or savings account

In the month of XXXX of 2021 I tried to reopen my business account with Navy Federal. It was closed do to non active business and in order to open the account there was balance of {$29.00} for charge of and that payment was made. They uninformed me that I would need to submit new documents showing good standing and XXXX in which I did. After providing documents was told that I was unable to open account need assistance with procedure on how to fix issue.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain items on my credit report that I believe have been added without my effective consent and may be a result of inaccuracies, fraud, or identity theft. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any information on my credit report that is incomplete, inaccurate, or unauthorized. Specifically, Sections 605A, 605B, and 611 of the FCRA provide protections for consumers regarding the reporting of fraudulent accounts and identity theft.

The following items on my credit report are in question : Are enclosed These accounts were added to my report without my consent and appear to be fraudulent or inaccurate. I suspect they may be the result of identity theft. I request that these items be thoroughly investigated and removed from my credit report immediately if they are determined to be unauthorized or inaccurate.

In accordance with FCRA Section 611, I am requesting that you : Conduct an investigation of these disputed items. 

Notify me of the outcome of the investigation within 30 days, as required by law. 

Provide me with an updated copy of my credit report reflecting any changes made as a result of the investigation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX WITHOUT EFFECTIVE CONSENT/ NEVER FILED
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it. 
XXXX XXXXXXXX XXXX Balance XXXX XXXX XXXXXXXX XXXX Balance XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {XXXX XXXX XXXX SER ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : XXXX 
XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX  ) XXXX Balance : XXXX
Product: Credit card or prepaid card

I received a tax refund from the State of Oklahoma in XX/XX/2019 in the form of a Way2Go MasterCard. I was unable to login to the website but was able to activate the card via toll free number. Eventually I contacted customer service after long holds and they told me I couldn't login because my SS# was incorrect on their server. They told me the number showed as XXXX   where the last 4 digits were the only ones correct. 
I was finally able to login using the incorrect SS# and was able to transfer what was left of my refund to my personal checking with my home bank. In the process of trying to rectify this issue, XXXX  charged the card $XXXX four times for check my balance. Nowhere does this company disclose a balance check fee of $XXXX a whack that I can see when calling their toll free number. 

I have called to dispute the charges and tried disputing them online. I am unable to select any of the charges to file a dispute online even trying with two different web browsers. I have called the toll free number on the back of the card twice. Yesterday XX/XX/2019 I was on hold for more that one hour with no response. Today, XX/XX/2019 I am currently on hold waiting to get help and the timer on the call is now 48' 20".

Thank you for your help. This is a matter of principle.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the Equifax after I purchased a credit report with XXXX  on XX/XX/2022. After receiving a copy of my report, I saw this UNVERIFIABLE items on my personal profile, I noticed that there was Account :, XXXX XXXX on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX XXXXo get a report every month and I have been disputing fraud account on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts to BLOCK OR REMOVE it in my credit file. I attach a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

A copy of my Bank statement, drivers License, and my Social Security Number are all included in this complaint request. I want you to know that I am telling the truth and the Equifax not block the going with things recorded underneath which are noting mistakenly a result of extortion
Product: Credit reporting, credit repair services, or other personal consumer reports

This account charged off back in 2018 after a few late payments. 
We immediately set up a payment arrangement and made 3 years of monthly on time payments until account was paid in full. 
The credit report is inaccurately report 24 charge offs and negative reporting since 2018. Wells Fargo said they couldn't update credit report until we paid the account in full. The account was paid off last XXXX, and they still haven't updated the inaccurate credit reporting.
Product: Credit reporting or other personal consumer reports

I would like an investigation opened and also file a complaint regarding incorrect information reporting on my credit report. I'm distressed that the credit bureaus have failed to maintain reasonable procedures to assure accurate information is being reported. Credit reporting laws are to ensure that the bureaus only report 100 % accurate information and every step must be taken to assure that. The following information regarding my account is in fact incorrect and needs to be investigated. I would like to see proof of the original signed contract. If documents can't be provided in such timely manner 15 days that will make the agency in violation of 15 USC 1692g.I asked that the account, please be removed from my credit profile. 


CONTRACT CALLERS Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/2024 Status Collection account. {$1.00}, XXXX past due as of XX/XX/2024. 
Status updated XX/XX/2024 Balance {$1700.00} Balance updated XX/XX/2024 Recent payment - Monthly payment - Original balance {$1700.00} Highest balance - Terms 1 Months On record until XX/XX/2030 2030
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Act, XXXX account # : XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 15 usc 1681 section 602 8 states I have the right to privacy. 15 usc 1681 section 604 section 2 states consumer reporting agency can not furnish your account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is inaccurately reporting to the credit bureaus. To XXXX  and Transunion they are reporting 30 days late payment on XX/XX/XXXX, while they are reporting no derogatory status to XXXX. Peruanat to FCRA 623 ( a ) ( 8 ) ( D ), they need to be reporting accurately to all 3 credit bureaus.
Product: Credit card

For months I ahve asked Cahse Credit Card 's Cardmember Servies to remove on going charges I no longer wish to pay. They assured me each time- after waiting 20 minutes on the phone line to speak to someone who could help- they would be removed. 

They STILL aren't removed. It is a waste of time talking to them since they say yes they will take care it, and never do. Charges are recurring charges from XXXXXXXX XXXX XXXX XXXX, and now a new one - XXXXXXXX XXXX XXXXXXXX . I dont shop at XXXX , never have aand never will.
Product: Debt collection

The attached complaint should be taken seriously by your agency, a debt buyer known as LVNV Funding LLC has been violating consumer rights for decades, and the CFPB should through the Federal Trade Commission take legal action against this company and the legal entities that work with them for the collection of debts that are simply no longer enforceable.
Product: Credit reporting, credit repair services, or other personal consumer reports

company is reporting inaccuracies on my credit report and wont show proof
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion and XXXX  has continued to report an inaccurate and unverified bankruptcy that has no accounts included to support it. I have sent in notarized dispute letter after dispute letter with a document from the court stating that the federal bk court does not furnish any information to credit reporting agencies. XXXX XXXX is suppressed. They will not provide me with any verification of proof that I have requested. One rep from XXXX   told me over the phone while checking on a dispute that they don't have to provide anything to me. I said that's a violation of section 609 and you have up to 15 days to delete this bk but she did not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX & XXXX XXXX Balance {$0.00} XXXX & XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX 2021
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX which falls under XXXX according to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX XXXX XXXX  pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the Law. I have provided all needed documentation as well as a victim determination letter according to XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Money transfer, virtual currency, or money service

I am concerned about how Zelle handles disputes especially in light of the recent CFPB lawsuit highlight issues with the service. Several of my claims have not been adequately investigated by Zelle or my financial institution. They informed me that recovering the funds was impossible and that tracking those transactions was not feasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offender to exploit the system, leaving users such as myself, vulnerable to scams.
Product: Credit reporting or other personal consumer reports

Mortage company PennyMac. Filed for XXXX XXXX bankruptcy in XXXX XXXX XXXX XXXX Company stopped reporting made payments shortly after. After I realized they stopped reporting I made several attempts to get them to report to the 3 credit bureaus. It is not a federal law preventing them from reporting just an internal memo from PennyMac itself. I was made aware from PennyMac the only way to get the bankruptcy removed and have PennyMac start reporting again was to refinance with a new loan number. I tried that in XXXX and was denied by PennyMac for lack of revolving credit. I have had multiple disputes with all 3 credit bureaus to get the balance and made payments correctly adjusted. I have attached year end XXXX, XXXX, and recent monthly statement to back up my claim. I have had no success as it shows closed on credit reports with missing/incorrect information. This has caused irreputable harm to my credit and will never be able to obtain a loan again also scores have dropped very low, XXXX is now a XXXX. I have never had any missed payments in the 4 years since filing for bankruptcy. Please force them to report accurate information showing updated balance and made payments on time. PennyMac has confirmed the bankruptcy will always be attached to my loan number. They will never report again even after bankruptcy is complete. And according to them I will never be able to re finance because of no credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion and XXXXXXXX XXXX XXXX XXXX XXXX has intentionally, knowingly and recklessly harmed me financially by repeatedly failing to properly and lawfully update my personal consumer report according to specific laws written by the Consumer Protection Financial Bureau. The law is clear and direct and should be understood by all parties involved in furnishing, publishing, and updating my personal consumer report. This is XXXX of multiple disputes sent to XXXX, XXXX, TransUnion, and several unethical and unlicensed data furnishing companies urging all parties to adhere to the law and adjust my personal report correctly. But due to a gross lack of due diligence on behalf of XXXX, XXXX, TransUnion and their related subsidiary entities - unlicensed unethical, and misleading random data furnishes has had an unmetered free run at attacking and financially hurting me. I have received multiple responses from XXXX, XXXX and TransUnion stating that they review and/or investigate. Solely and firmly leaning on the LAW, and based on my results anyone with a trained eye can tell that the XXXX bureaus did absolutely nothing pertaining to investigation or reinvestigation on my behalf, and have failed me as a consumer. If the law is broken all willing participating parties should be held accountable for any fraudulent acts, not excluding Credit Slander and Defamation of Credit. Please refer to Congressional law 15 USC 6802 ( a ) ( b ) ( c ) ( d )
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/XXXX, XXXX XXXX XXXXXXXX add a hard inquiry on my credit report per XXXX. On XX/XX/XXXX, XXXX XXXX XXXX and WELLS FARGO DEALER SVCS add a hard inquiries on my credit report per XXXX. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Debt collection

I was never notified about this debt. Was never given the right to dispute this debt. Creditor placed 2 collection account on my credit reports without notifying me about the allege debt. 

Original creditorXXXX XXXX XXXX
Product: Mortgage

We called for help during covid 19 sps servicing kept telling us to apply for their covid Assistance online. During the pandemic my employer had to reduce my hours, cut my pay and then finally had to lay me off due to covid 19. Every time I would call sps they would Refers back to their Covid relief online service which basically was there for Forbearance. I asked multiple customer service agents how does this forbearance work they would tell me that at the end of the forbearance SPs Will be having repayment plans, Unbeknownst To us thats not whats happening to us. We filled out SPs final forms stating that we were able to pay our regular payment now and that the Forbearance amount we needed a payment plan for. We received nothing but denials for repayments options and we are facing foreclosure now. I feel like I was set up like a bait and switch Scheme. We were just in an pandemic. I have documentation form my previous employer of them needing to cut my hours, pay and a lay off letter all stating that this was the effect of covid 19. I also have my award letter for unemployment, which I was told I didnt need to send in to SPS because Im no longer on unemployment and have now found new employment. So there for I wouldnt qualify for one of their Home retention programs because Im not currently on unemployment. Which to me make no Sense because the government has dropped covid 19 unemployment and many people were forced back to work. I need help in this matter. It seems like SPS gave false information out during the pandemic which is going to lead to millions on people losing their homes including myself all because of a pandemic and the forced stay at home orders .Ultimately SPS not Disclosing all the facts up front and just stating there was going to be a repayment plan. Another concerning factor is that they arent taking new/ current income in to factor and dont ask for and Documentation that I was impacted by covid 19, yet say I dont qualify for repayment plans because of The delinquency of the forbearance. Well of coarse thats the whole purpose of the repayment plans, to fix the delinquent forbearance .Seems very odd to me. Im sending in an Appeal to SPS today. We also keep receiving letters to call SPS that they have options but yet when we call theres no home retention options.
Product: Debt collection

On XX/XX/2023 I contacted XXXX XXXX a spoke to a manager in XXXX, Texas about a gym membership I desired to cancel because of the never using the membership and the front desk staff being unprofessional and not explaining the terms correctly of what I was signing up for. The manager was a female and assure me that she " would take care of it and get it canceled '' that never happened apparently and I was sent to collections. I even sent an email XXXX XXXX XXXX XXXX XXXX on XX/XX/2023 requesting the closure to XXXX XXXX billing company and I owed no money at the time. I got a response from the billing company that stated : Dear XXXX, Re : XXXX XXXX XXXXXXXX Account # : XXXX We have received your request to cancel your membership. At this time, your account has been set up on a pending cancel status. Before your account can be cancelled, you are responsible for a 30 day written request ( this has been fulfilled via your email ) and any payments that fall within that time period. 

Customer Care Offline Processor XXXX XXXX XXXX XXXX XXXX. 
Customer Care : XXXX Email : XXXX Website : XXXX Mailing Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX
Product: Checking or savings account

Hello, I've seen myself affected by the practices conducted at First Citizens Bank. An acquaintance who works at the bank advised me to open a new checking account for there was a promotion happening. I was in the market for a new account to consolidate my outgoing payments and manage may day to day spending better. However, the following weeks I had several issues sending payments out, receiving deposits, making online transfers etc. I was in touch with support many times but resolutions were never satisfactory. Furthermore the account began incurring a monthly fee three months sooner than the bank representative mentioned and for more than I had been advised. Uncomfortable with the new developments I found First Citizens Bank to be an unfit match for my necessities and the process to close my account was comiences and seen to conclusion. Fast track to several months later I receive a credit alert from services I hire that I was sent to collections. Further investigation showed that my lovely financial institution was asking for alimony from our past relationship. Please let me go, we weren't meant for each other. Thank you : )
Product: Mortgage

I applied for a mortgage refinance with AmeriSave Mortgage on XX/XX/20. 

3 1/2 months later we still have not closed on our new loan. They provide virtually no answers other than " we have escalated your file '' and now have stopped responding to emails and phones call in the last week. This was after already asking for a manager to contact me. 

I have provided documents as soon as they were asked for and there hasn't been any reasons given for the delay. I feel like I have been scammed out of a {$500.00} application fee plus a new flood insurance policy that I purchased for the refi.