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

I went through a modification process with XXXX XXXX some years ago, account number XXXX. There were 3 different modification specialists that made errors while I went through the process making the process way more extensive than the normal processing time. Due to their error, mishandling of documents sent via fax and other issues that were no fault of my own. Continuously contacting them to verify documents and being told to wait and then after numerous months they would again claim they didnt have the documents which eventually admitting they had which I knew they had as I had faxed. I would complain about the reps being neglectful and each time, I had to start over with another rep doing the same thing and not being informed throughout this extended process that they put late payments on my credit report again because of their neglect numerous late payments were put on my credit reports which was not fair and I am being penalized. I have been a loyal customer with this organization. I have been loyal to this organization and I have had 3 homes with the organizations transitions. I started off with XXXX XXXX, then XXXX now XXXX XXXX. This is not right for me to be penalized with all of these late history payment recorded. This obsolete account has been on my credit reports since XX/XX/2005 and they have uncountable unfair late payments recorded for my history of payments.
Product: Debt collection

On XX/XX/XXXX, I formally disputed a {$2200.00} medical debt reported by First Federal Credit Control ( FFCC ) to XXXX for " XXXX XXXX XXXX XXXX '' which stemmed from a single hospitalization at XXXX XXXX that is still under active insurance review. I never received an itemized bill, and my insurance provider has confirmed the claim is pending due to missing information from the hospital. I followed up again on XX/XX/XXXX, after receiving no validation or response, and the debt remains on my credit report without being marked as disputed, in violation of the FDCPA and FCRA. Despite multiple written requests, FFCC has failed to validate the debt, acknowledge the dispute, or remove the inaccurate credit reporting.
Product: Mortgage

We purchased our home in XX/XX/XXXX, for {$380000.00}, and it closed at short sale XX/XX/XXXX for {$250000.00}. To satisfy the deficiency and close out any chance of future claims against the deficiency amount, we even paid {$2000.00} to BofA at closing. Our mortgage loan # 's were XXXX ( XXXX & larger loan owned by XXXX ) & XXXX ( second smaller loan owned by Bank of America. 
Industry FRAUD was the reason why our home lost market value. We were enrolled in MHA program, which principal reductions were part of program, and we were NEVER offered this option. Short sale was the result of FRAUD and no support of XXXX thru MHA. 

For the XXXX which our loans were a part of, was XXXX involved as the ratings agency? See DOJ press release thru this link : XXXX
Product: Vehicle loan or lease

In XXXX I took out an auto loan with credit acceptance. I had got into a wreck and the car was totally lost, I had gap insurance and they sent a check in the full remaining amount of the loan and credit acceptance is still trying to say I owe & {$3600.00}. They call me every income tax time yearly to ask me to use my income tax to pay them off. I tried to contact them to explain the gap insurance and they continue to tell me I owe
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I was a victim of identity theft. I have tried for several years to clear my credit up. I submitted FTC identity theft reports and police report. Still Transunion, XXXX and XXXX have not properlt investigated the matters. they just call the companies and tell me well the company says the debt is accurate when in fact it is not., this has been going on since XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX as of XXXX XX/XX/22 Status and remark is reporting REPOSSESSION! When that is inaccurate! The car is still on a active contract! NOT REPOSSESSED, PLEASE DELETE THIS FROM MY CREDIT REPORT!!
Product: Bank account or service

Bank of America started charging me a $ XXXX safebox rental fee without my approval or proper notification.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



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

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER XXXX5 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation 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 paragragh ( 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 the 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. There are items on my report that have different dates open, as well as different payment history and different dates of last activity on all three bureaus ... which is inaccurate information reporting to my credit profile.. 
Please remove the following items from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) This creditor is not even licensed to collect a debt in the state of Mississippi ... and I did not give them consent to report information in my name to the consumer reporting agencies... 
XXXX XXXX XXXX XXXX ( This creditor is not licensed either to collect a debt in the state of Mississippi ) XXXX.
Product: Payday loan, title loan, or personal loan

When I originally got the loan with OneMain Financial set up I had little to no interest in any add-ons or insurances. When everything was ready for signing it seemed like there were 1 or 2 small insurance fees added on. It was confusing and complicated but the person helping me forged ahead like everything was normal and expected so I went along with it. 
Later I decided to borrow more money and also said I want to remove whatever extra things are on my loan. However when it was time to sign the person helping me told me the monthly cost included the 3 add-ons I had already on my account. Again I was confused by this, but I felt pushed not to make the process even more complicated and went along with it. 
The most recent time I have asked about possible loan increase I specifically stated at the beginning of the call I wanted to remove any and all extras tacked onto my account. I said it multiple times to 2 different people. Now I am no longer eligible for increases.

A side note to this complaint : there is zero visibility in my online accounts whatsoever as to what all I'm paying for in my bill. I can not view any specifics for my account on any insurances or add-ons or even what percent of the payment goes towards interest.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent cfpb lawsuit highlighting significant issues with the platform. Despite using numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims properly. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The cfpbs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

National Credit Adjuster added a collection to my report in the amount of XXXX, which I couldve easily paid, that I have no knowledge of without a notice or consent. This is a malicious act by this company as I have been in process of purchasing property. This company does not operate in a professional manner when collecting debt or even giving proper notice to the individual. This debt was never verified and a form of identity theft due to losing my social and Id card, Ive never held an account with this company for collection. I called and spoke to a representative who could not verify the debt or give me an answer as to where it came from claiming they sent a notice that I never received. I have contacted a local fcra lawyer and will look to take legal action as this company has violated my rights under the fcra.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent inquiries on my credit report that I 'm not aware of reported by creditor and the credit bureau. I sent a police report several times, along with other documents so that American Express XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

- A loan agreement was entered into between XXXX XXXX XXXX and M & T Bank on or about XX/XX/XXXX. 

- On XX/XX/XXXX, a discussion between XXXX and I came to the conclusion that we should have received some type of statement, by now, from M & T Bank regarding a first payment being due. At that time, we reached and were told that we did, in fact, have a payment due on XX/XX/XXXX. Seeing as how we were late, we made that payment over the phone and verified our billing address in order to begin receiving monthly statements. 

- Received my next months statement ( attached ) in the mail for XX/XX/XXXX XX/XX/XXXX, paid it online on XX/XX/XXXX. This was the only statement ever received from M & T Bank. 

- Next months payment was made on XX/XX/XXXX online, but no statement was received. 

- Enrolled in XXXX on XX/XX/XXXX via a mailed document ( attached ). 

- On XX/XX/XXXX at XXXX CST co-signer of the M & T XXXX XXXX XXXX XXXX XXXX XXXX received a phone call that there was a past due amount on our XXXX XXXX. The call seemed somewhat unprofessional and invalid, thus triggering XXXX to believe that the call was fraudulent. An attempt was made to collect payment, but was denied due to the call seeming bogus. XXXX made a call to me to let me know, but I was driving at the time and did not look into the call until I got home. Upon arriving at home at roughly XXXX, I looked on the M & T app and realized that the call was accurate. This triggered me to enter into a payment for the past due amount of {$330.00}. This was the first contact that was made by M & T Bank regarding any type of past due amount. No phone calls, no written contact until XXXX ( CST ) XX/XX/XXXX. 

- On XXXX I was notified by my credit monitoring agency that my credit had taken a substantial hit for a delinquent account ( M & T Bank ). 

- A letter XXXX attached ) was written and sent on XX/XX/XXXX to dispute this claim with M & T Bank, explaining the circumstances, and requesting the derogatory remarks be removed from my credit report. A reply letter ( attached ) from M & T Bank was written on XX/XX/XXXX, and received on XX/XX/XXXX indicating that no action would be taken by M & T Bank in regard to removing the derogatory remark from my credit report. A second letter XXXX attached ) was generated, by myself, on XX/XX/XXXX regarding their decision to take no action. 

We are of the opinion that there is some type of communication disconnect between M & T Billing Department XXXX M & T Customers, and the M & T Collections/Credit Department, and that our credit scores should not reflect this negligence. As stated previously, both XXXX and my credit scores have been immaculate up until this incident.
Product: Credit card or prepaid card

Hello, I am writing for your assistance in resolving an issue with American Express. I own two Delta-branded products from American Express ; the Delta Gold and Delta Platinum cards. Year-to-date, I have charged {$31000.00} on the Gold Card, and {$28000.00} on the Platinum card. My issue is having American Express credit mileage to my Delta Skymiles account. 

From XX/XX/XXXX to XX/XX/XXXX, I spent over {$25000.00} on my Gold Card. This resulted in Delta waiving the MQD ( medallion qualifying dollar ) requirement toward my elite status with Delta. In XX/XX/XXXX, I applied for and was approved for the Platinum Card. 

As part of a promotion, I received XXXX bonus miles and XXXX MQMs ( medallion qualifying miles ) when I spent more than {$4000.00} on the card in the first four months. I reached this threshold in XX/XX/XXXX, and the bonus miles and MQMs were credited to my Skymiles account. 

According the cardholder agreement, I am supposed to receive an additional XXXX bonus miles and XXXX MQMs when I spend at least {$25000.00} on the Platinum card during the calendar year. I have reached the spending threshold but have not received the bonus miles or MQMs. ( To clarify, I have spent at least {$25000.00} on each of the cards this year, for a total of {$59000.00}. ) I confirmed with American Express the end of XX/XX/XXXX that I am eligible for the additional bonus miles and MQMs based on my Platinum card spending, but they have failed to credit my Skymiles account. Multiple calls to American Express and Delta have been unsuccessful in resolving the issue. 

Customer service reps seem confused by the fact I have already received XXXX MQMs this year ( in XX/XX/XXXX ), but that was a result of a separate promotion based on card spending in the first four months. I am absolutely eligible for the XXXX  MQM bonus as a result of spending {$25000.00} during the calendar year. The language in the cardholders agreement is clear and unambiguous. I am frustrated by American Express failing to honor the terms and conditions of the cardholders agreement.
Product: Money transfer, virtual currency, or money service

I have some concerns about the information that XXXX XXXX XXXX ( XXXX  ) is keeping on their website. I was surprised that they are using security questions that are not appropriate. They are using information about me that were not provided by me. I have done business with the company for several years sending money to my family in the XXXX, but have been really concerned now about how much data they have about me. I would like that this company, XXXX ( or XXXX XXXX XXXX ) to remove all information about me on their servers. I do not intend to use their service any longer. Thank you.
Product: Checking or savings account

I am writing this asking for help to get my $ XXXX dollars back which Well Fargo bank took away from my bank account by mistake. 

My wife deposited a cashier check of $ XXXX to our Wells Fargo checking account on XX/XX/XXXX and our balance increased by $ XXXX as supposed to be. However, on XX/XX/XXXX, Wells Fargo deducted $ XXXX from our account saying " Mobile Deposit Check Posted Twice ''. Per the conversations with Wells Fargo multiple times, they said they saw duplicated deposits on both XXXX and XX/XX/XXXX ; however, our bank statement doesn't have any transactions on XX/XX/XXXX and my balance NEVER went up to {$40000.00} which WF agreed. I am attaching screenshots to show our bank transactions - it shows no activities on XX/XX/XXXX and only {$20000.00} deposit in XXXX with our balance increased {$20000.00}. However, on XX/XX/XXXX, my account was deducted {$20000.00}. I am losing $ XXXX. 

It's been 13 days since this happened. We have spent hours talking to the bank multiple times but there is no progress on this issue. It caused trouble to our daily life ; We need money to pay bills ... so we have to write a complaint here to hope with CFPB 's help, WF will look into this more carefully and have this resolved ASAP. 

A little background I should explain here. We did make a mistake and deposited this check again to our XXXX account on XX/XX/XXXX ( I didn't know my wife had deposited this check 3 months ago to WF and I saw this check in an envelope and made a deposit to my XXXX account on XX/XX/XXXX ). We received XXXX letter that this check was returned and unpaid. This should be correct and we are expecting {$20000.00} back to our WF account ( I am attaching my transaction here on my XXXX account with {$20000.00} in and {$20000.00} out ). However, when we explained this to WF, WF just kept saying it's because of duplicated deposits happened both on XXXX and XX/XX/XXXX. 

We can not send any documents to WF and we don't know how to explain to WF anymore. So Please help us to get our money back.

Questions to WF - Can WF allow one check deposited twice? WF admitted 'it 's a system error ', but we NEVER seen that 'duplicated ' transaction in our statement and the duplicated $ XXXX has NEVER been added to our balance. Can WF just deducted the amount they thought it's duplicate 3 months later without showing us any evidence? Also, can WF deduct money from our account for a cashier check?

This made us worried and stressful!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  Account # ( XXXX, Equifax, XXXX ) has violated my rights on XX/XX/2018 and XXXX XXXX 15 USC 1681 Section 602 I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 


15 USC 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as later for purpose.
Product: Credit reporting or other personal consumer reports

RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Incorrect Name : - XXXX XXXX Listed below are the Collections that are being challenged XXXX - XXXX XXXX  - XXXX XXXX - XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX - XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A XXXX  FORM OF XXXX XXXX XXXX OR XXXX XXXX XXXX. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] XXXX  XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX XXXX XXXX XXXX XXXX  PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Credit reporting or other personal consumer reports

I have used this app for years now. I used the app for credit building I had a previous loan I was paying off before I moved into a new address last summer, once that loan was paid off I initiated a new credit building loan because it helped with my credit building process. The new loan was initiated through the app in which the company operates through. 

After taking out the new loan I tried updating my address on file, the company stated I had to wait 30 days in order to update my address and in the process my account was temporarily closed. I and my significant other have joint accounts I've used with this same company for years but they stated I had to prove I had access to the accounts my significant other needed to send in a notarized form to state I could use the account, as well as a picture of both our Identification cards, along with bank statements, government documents, and a bill as proof of address. 

I completed the steps and each time I was told it was incorrect, this company found numerous issues with my documentation because it wasn't 60 days dated from my previous address after they have on file that I've tried updating my address before my account was closed due to whatever they deemed fraudulent activity in which there were none. My significant other has her payroll check as well going to the accounts and apparently it was too many transactions going to our accounts Moneylion considered fraud although we bank with XXXX and have been with them for over 10 years now. 

The only way to pay for the installment loan is through the app the company shut me out I've tried talking to different representatives as well as managers explaining that I've had a change of address I even sent over my lease agreement with my significant other on the documents to show we live together. The company has since reported nonpayment to my credit report and I've taken a tremendous drop in my credit rating and it's hurting my families livelihood. I recently had a XXXX and was going to purchase a bigger vehicle as well as look into purchasing my first family home, but this company has hurt my progression at this point and refuse to fix the issue. I've tried everything on my end I don't have any documentation dates 60 days back from an address I moved away from months ago.
Product: Credit reporting or other personal consumer reports

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX