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

XXXX  and Experian should not be reporting collections on the DP OF EDUC partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. I have also attached a copy of my identification documents for reference. ) These accounts have been discharged. I have attached copies of the documentation I was sent stating the Department has discharged the federal student loan or TXXXX XXXX XXXX obligation This false reporting of a collection is seriously harming my credit score and these line items need to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also
Product: Debt collection

After viewing a copy of my credit report, I noticed a collection account placed on my credit report from Debt Recovery Solutions , LLC in XXXX of 2022 in the amount of {$1500.00}. First and foremost, Debt Recovery Solutions violated FDCPA rules and regulations when they failed to send me a written debt validation notice including the amount of the debt, name of the creditor, and notice of the consumer 's right to dispute the debt within 30 days ( see 15 U.S.C. 1692g ( a ) ). Secondly, what obligation do I have at all to Debt Recovery Solutions? I have never heard of them, have no written contract with them, and have never received any benefits from them, yet Debt Recovery Solutions has submitted negative information to all three credit reporting agencies against my name and social security number and is demanding payment from me in the amount of {$1500.00}. Without my signature on the original creditor contract that shows I ever agreed to pay an assigned debt collector, Debt Recovery Solutions is breaking the law by negatively reporting this information to the Credit Bureaus.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report back on XXXX XXXX, and noticed some things are incomplete and not accurate. Also, according to the fair credit reporting act. 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. The accounts below are not complete and accurate. And one more thing according to 15 USC 1681s-2 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. Also, according to the fair credit reporting act. Whenever a consumer reporting agency prepares a consumers report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual to whom the report relates. Also, they sent me investigation back and said everything is complete and accurate but if you check my attachments everything is not complete and accurate and according to nd according to 15 USC 1681i 5 they are supposed to do this ( 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. And according to this law they are supposed to provide me with a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ). And one more thing according to 15 USC 1681s-2 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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Check the attachments below. 




Check the attachment below.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will file litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.
Product: Credit card or prepaid card

I made. Return And made a payment After the return went through I shoud have {$20.00} credit balance Now they keep sending me statement and XXXX me for payment I spoke with channel at dispute XXXX XXXX For 2 hour and she check my account activity from XXXX of XXXX  and she found out that I was right she lefts note for a correction Target is a very crock company No one knows anything they have lots of loop holes there is not a one designated department Today XXXX called the corporate office after they waisted my time they couldnt help me Then at XXXX pm XXXX got a phone call from target XXXX she was very rude and was attacking me wouldnt allow me to speak she kept interrupt me cutting me off so I hang up the phone on her Target knows what XXXX doing tgey programmed Their employee to be in helpful all of these attempt is for target to ripoff consumers My issue is not resolved I am barraged Toyed Target is a XXXX XXXX XXXX XXXX company Tgey refuse to fix their problem and want me to pay
Product: Credit reporting, credit repair services, or other personal consumer reports

I went into get a loan and was giving my credit report and I found that my mortgage company was not reporting my payments for the last 13 years. I have been paying $ XXXX {$600.00} a month on time and no I have not did anything about it but file this complaint.
Product: Checking or savings account

Chase Bank did not waive my monthly service fee even though they have many times before. This is one of the few times in a while I did not meet the requirements to get the fee waived. Honestly dont even bother with Chase Bank. There are MANY others that wont charge you a fee and dont have monthly requirements to get it waived.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX  XXXX XX/XX/year> Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report. 
Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made.

Enclosed is a copy of my identification to verify my identity.

I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB XXXX XXXX to Pay {$19.00} XXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX, Including Wrongly Reporting that Consumers were Delinquent on Loans or Leases. I am also having the same problem with this issue above, I never ever had issues with non of my leased vehicles this is my fourth car being leased. I had a lease with XXXX, XXXX, then XXXX again then XXXX & this is the first time I had an issue with a company that's not reliable was told XXXX this on a phone call and they do something completely dependent, I had an issue with an excise tax that they sent to an old address that I had updated with them Multiple times by email and by phone. Never ever have I missed a lease car payment that directly removed from my bank account, but because of the car excise tax that was sent to an old address that I called and confirmed updated it Multiple time via email and calling. They added that excise tax as an missed car lease payment, which it doesn't make sense that not part of the car lease, I have been making the lease payment if they tried calling me or sent me a payment for the excise tax in the mail at the updated address I would of paid it, or even sent it to a collection agency so they could attempted to contact me for the excise tax of the vehicle, but not try to add that as part of the car payment and as missed payment. That's fraudulent, unacceptable never again I will buy or want a XXXX vehicle again or will advise any family member or friends to buy XXXX and leave some reviews online are a couple of big websites for vehicle reviews. Not a good company for customer service. Plus all this lawsuit for credit error. I have also logged-in my hmfusa.com XXXX account to pull my payments history made to them from there financial app. 

It's was such a problem that we ended up just doing a buyout of the lease vehicle Which is stated on the document I will provide below.
Product: Credit reporting, credit repair services, or other personal consumer reports

hello I XXXX XXXX is not a third party is depressed because XXXX and Experian did not fix an error on my credit report and its causing not to get hired and its causing financial crisis in my household I can not get hired because my credit score has dropped because I am a victim of identity theft I have sent XXXX and Experian my ftc report over 67over and over I have called over the phone with them as well and they claim they didn't receive it which is a lie because I overnighted it and required a signature and they rep singed off on it acknowledging they received I am not receiving any help from them over the phone this has caused me server XXXX because this is causing damaging to the character of my name please please help me I've been thinking XXXX XXXX because of these issue with XXXX and Experian because they are not helping me they even hung up on me and refused to transfer me to a supervisor I am sad and depressed because they claim they are here to help am I have still not have help in removing these fraudulent items I can't even take care of my XXXX kids I am now homeleness because of the damages you guys have caused to my name and household. please help m, e pleasseeeeeeee its been over 198 days still no response from them.
Product: Debt collection

Please help me ; these are just some of the debt collectors whom I do not owe money to are calling ; They demand your social security number or name and address before speaking to you then say they can not divulge any of their info or who they are ; Please keep them from calling my phone ; I have been registered since 2000 and re-registered over and over and I still get these calls ; The following numbers are ; ... XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; 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

Ive disputed Bankruptcy with XXXX XXXX XXXX and Experian that doesnt belong to me. Yet they say its verified and to be mine, Ive spoke to the Bankruptcy court and they dont even give this type of information with credit bureaus so how is this being verified. Please remove these items.
Product: Consumer Loan

I signed for a loan with TitleMax ( XXXX ) XXXX XXXX XXXX XXXX. 
XXXX, TX XXXX In XXXX 2016. I am no longer employed and can not pay on this title loan. TitleMax calls me mutiple times a day leaves messages sometimes and other time says nothing. This has been going on for two weeks now. On XXXX/XXXX/2016 TitleMax called my brother asking questions about me and did not identify who they were. I am stressed out and can not sleep at night due to this company
Product: Credit card

I had a virtual Applecard with the XXXX XXXX  issued by Goldman Sachs. I only used it to purchase a phone for my son XXXX  years ago and after paying his phone off, I had a {$0.00} balance on that card. I kept the credit limit of almost {$3000.00} open. I had the card stored in my Apple XXXX  and locked the card from any usage from my phone or devices in my house. Then this past XXXX, I get a message from Applecard saying I now had a balance of almost {$3000.00} where the card was maxed out down to the very last penny of my credit limit. I was shocked and quite upset since I did not use that card and its extremely suspicious that the charges were down to the very last penny of my available credit limit. That looks like someone used a bot to hack my Applecard and steal my available credit limit. I immediately called Goldman Sachs and told them what happened. It was put through their dispute team and I was told by everyone I talked to that I will not be held responsible for any unauthorized charges I did not make. The dispute with them went on for months where they removed the charges but then kept putting about {$800.00} back on me when these charges were unauthorized. I closed my Applecard where I did research on this and saw that this same exact thing happened to lots of people where their virtual Applecard got hacked and someone racked up their cards, maxing them out. They also said Goldman Sachs kept putting the charges back on them. Ive had many credit cards and Ive never had any of this happen to my accounts. They notify me of all purchases but I never got any notifications from Applecard. Some of the people posting about this problem said they went through CFPB about this very same problem with Applecard fraud and your organization resolved it for them. Hopefully you will be able to resolve this for me as well. Ive been plagued with Goldman Sachs putting the disputed unauthorized charges back on me when I didnt even use that card and actually had it locked from any use in my wallet app. The representatives I spoke to about this problem kept saying not to worry, I wont be held responsible for any unauthorized charges but they keep putting {$850.00} back on me. Its frustrating.
Product: Credit reporting, credit repair services, or other personal consumer reports

credit reporting agencies willful non-compliance with FCRA 15 usc 1681n, 15 USC 1681e ( b ) causing damages to my personal reputation with lenders and creditors, preventing me to enjoy my federally protected constitutional rights to ensure my domestic tranquility, general welfare and pursuit of happiness for family, home and personal use.
Product: Checking or savings account

I deposited my husband payroll in the capital one account. My husband is a XXXX  and his last paycheck of the year is always a live check. I deposited it on XX/XX/15, thinking since it is a payroll check that it would be released that day. Instead the placed a 8 day hold. I call to ask why my husbands payroll check was placed on that kind of hold. They said that there were concerns about the check????? What concerns, my husband is joint on the account, he signed the back of the check, and he has been employed there for 15 year. Again, told me that they would not be able to release because of concern in regards to the check. However, he was unable to tell me the concerns or anything other than he is unable to release the check because of some concerns. He also hung up on me when I was asking about the COD. This is ridiculous why are they always trying to not give me any of the funds that I deposited and the customer service is a joke! That can not help with anything at all and always tow the company line.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, Both Experian Credit Agency and XXXX XXXX keeps reporting incorrect information to appear as new. First, there's been no new account charges on the XXXX account in more than 3 years. For the last few years, I've only made monthly payments on XXXX account ( and no new charges ). XXXX reported account delinquent to Experian XX/XX/XXXX. In addition to that, XXXX keeps reportng account closed by grantor multiple times XX/XX/XXXX. However the account was first closed XX/XX/XXXX. XXXX keeps reporting 2 - 3 times per month account closed in fraudulent manner. This is not a new account closure. I reported this information to Experian. Experian keeps allowing XXXX to make repetitive account closed postings to my credit report. Experian refused to remove inaccurate data. 

Furthermore, I provided to Experian proof of bank transactions showing account payments to XXXX. In addition to bank account payments, I provided XXXX 's account statement showing the same payment history. I've only made payments and no account charges. How can this account be delinquent when monthly payments made consistently? 

Next, XXXX posted account as delinquent XX/XX/XXXX with a past due balance. How can there be a past due balance on an already closed account with no account activity in years? There was no PRIOR past due balance. How can XXXX be allowed to make up a past due balance that's never existed? Again, I've only made consistent monthly payments on this closed account. XXXX is not applying payments to the account balance. 

Finally, I provided payment documentation to Experian and Experian keeps reporting inaccurate information provided by XXXX.
Product: Checking or savings account

I am writing to file a complaint again Navy Federal Credit Union regarding multiple overdraft fees that I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and I request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

I am writing to express my ongoing frustration and concern regarding the failure to remove fraudulent items from my credit report. Despite my previous XXXX attempts to address these fraudulent items, they remain on my credit report, significantly impacting my creditworthiness and causing undue financial and emotional distress. I have diligently followed the procedures outlined by the Fair Credit Reporting Act ( FCRA ), including submitting police reports, affidavits, and other supporting documentation to the credit reporting agencies. However, the agencies have not taken the necessary steps to investigate and remove these fraudulent items. 

The continued presence of these fraudulent items on my credit report has resulted in numerous negative consequences, including denial of credit opportunities, increased interest rates, and significant stress. Please help me remove these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX : {$3100.00} XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX 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 Balance XXXX {$3100.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$150.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX Balance : {$0.00}.
Product: Checking or savings account

I lost my debit card last being used at a bar in XXXX XXXX XXXX called XXXX XXXX morning of XXXX of XXXX On XX/XX/XXXX XXXX XXXX suspects XXXX Americans XXXX NOTE : I'm XXXX  ) walked into XXXX XXXX and used my card as credit debit at the AZ XXXX machine ( scratchers ). Then proceeded to another XXXX XXXX down the road and hit that AZ lottery machine9 Scratchers ). After that they went a XXXX much north and used it there as well for AZ scratchers. I know they were scratchers because the locations provided me the AZ receipts of them and indicated what they were and what games were played. These XXXX criminals took me for {$2300.00} total. Now I have been with bank of America for over 19 years of a loyal customer service with no previous history of anything or ANY issues. When i called and filed a claim i quickly realized bank of America was NOT going to do anything and denied my claim. Bank of America has made me do everything including file police report which I did and send them surveillance footage with the criminals which I did and also provide the AZ lottery receipts. Police report number XXXX with the XXXX police dept. was submitted upon Bank of Americas request or lack of doing anything i should say so I did it ALL and provided them a packet with all the information with certified mail. It was received and quickly looked at my claim and it was closed ( not paid status ). This is terrible service to a customer who has been loyal for 19 years with a checking with direct deposit a savings account and 2 credit card accounts. They have been rude and unhelpful from day 1.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account with XXXX XXXX  XXXX with this company and previously I disputed the item and it cam out my credit report but after 2 month same report appeared in my credit file again. Base in the law if the company does not respond after 30 day it should be clear from my credit reporting but same report appears again after a while again. Also a credit report from XXXX XXXX which is a fraud in my credit report. This account is not mine and has not been removed even when I contacted XXXX XXXX exists
Product: Credit card or prepaid card

In the month of XX/XX/2020 payments never show on billing Statement. I pay {$900.00} interests took all payment also.Never give correct balance