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

I took out an {$800.00} loan with Zaplo loans. On XX/XX/XXXX I received a better interest loan from my credit union. I  contacted Zaplo, XXXX XXXX and requested a statement, since that is what my credit union required to pay off the loan. They needed the amount, the account number, and address to send the payoff check to. She said we don't have statements, which is odd. Even payday loans have statements. So I requested my loan agreement from her. She sent me a lousy spreadsheet with the amounts I would owe for the rest of the loan and what the payoff amount would be on XXXX  ten days from that date. It had the loan number in it and their address. So it was workable, we thought. The checks for my car payoff, another loan and Zaplo we're all sent on XX/XX/XXXX. May car received the check and paid off my loan on XX/XX/XXXX, my other loan for XXXX received payment and paid off my loan on XX/XX/XXXX. I have tried to contact their collections department, XXXX and their customer service department via email many times ( 10 at least ). The WILL not respond. They have not paid off my loan. The only response I received was from one rep who said they had changed my account to non-ach but I need to continue to make my payments or I will be charged late fees and interest. I tried to contact her back but she wouldn't respond!! I am at my wit 's end!! They have the check but will not credit it to my account. I refuse to pay two loans. One to my credit union and one to them!! Help?! 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I never resided at the address on on XXXX XXXX or XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. The address on XXXX XXXX is the address used by someone who stole my identity and the address on XXXX XXXX is a typo.
Product: Checking or savings account

I opened a checking and savings account with Citizens Bank on XX/XX/year>. Citizens provided the option to fund the account using a debit card, and I attempted to do so. My current bank blocked XXXX of the funding charges due to suspected fraud caused by the XXXX identical charges. On XX/XX/year>, I funded the account with a {$2000.00} transfer from my other bank. My Citizens online banking was subsequently blocked. I called customer service to inquire and was told that my accounts were flagged for potential new account fraud due to the rejected initial funding attempt, but would be reviewed in a few days. On XX/XX/year>, I received an email from Citizens notifying me that they were sending the {$2000.00} back to the bank that it was funded from. I called Citizens to once again explain why the initial funding was rejected and inquire as to why my deposit was being sent back. I was informed that Citizens had made the decision to close my accounts and exit the relationship. I asked for a reason and was told that the bank does not have to give a reason. From my perspective, since the account was closed immediately after opening, this would seem that Citizens took adverse action against my new account request without providing an adverse action notice. The only reason I'm aware of that a bank can take adverse action without disclosing the reasons are AML/BSA related . The representative said that a letter notifying me of the decision was sent, however, I have not received said letter.
Product: Mortgage

BSI charged escrow : XXXX, XXXX, XXXX, XXXX, XXXX  XXXX per month = {$1500.00} Closing Documents XXXX per month = XXXX Balance due ME {$1000.00} BSI Refund XX/XX/2021 ( XXXX ) BSI Refund XX/XX/2021 XXXX XXXX ) Amount currently due me {$200.00} BSI refuses to refund my money. 
Attached is a letter from my accountant stating BSI in fact does owe me money through his analysis. 

In addition, BSI has dinged my credit due to their error and I want that reversed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted several times with the credit bureaus asking for method of how they claimed to have verified these accounts for they are not mine. However all I can ever seem to get from the credit bureaus is what appears as a template letter just saying was verified. 
In accordance with the Fair Credit Act XXXX the Accounts listed in this complaint, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1781 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions ACCOUNTS : XXXX. XXXX XXXX XXXX  Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX  XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that 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 accounts or information which is found to be opened 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 ( learned through more research both parties require ). Please block these files. 
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 If you feel there is a possibility these ITEMS belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit card or prepaid card

I opened an Amex card through numerous offers sent to me about these different cards and no annual fees. The card they assigned me had a {$250.00} annual fee. The website, literature and terms are very misleading. I dont have credit issues and I dont use credit enough XXXX justify paying that kind of money to have a credit card. I have several and they have no annual fees. I did not see annual fee until I received a statement on XX/XX/XXXX asking for payment starting in XXXX. Amex say it was billed in XXXX but that doesnt make sense and the statement shows otherwise. I cant pay for something I cant see. They told me I missed deadline to cancel by three days. I guess Im supposed to be psychic and know what statements will say In advance. You can see I only signed up for account access on XX/XX/XXXX. I have tried to resolve this issue with company to no resolve. I just want to cancel unused card and terminate
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Equifax regarding several fraudulent inquiries that have appeared on my credit report. As an elderly XXXX XXXXXXXX individual, I have encountered XXXX unauthorized credit inquiries on my report, which I did not initiate or authorize. Despite my efforts to resolve this issue directly with Equifax, these inquiries remain on my credit report, negatively impacting my credit score and financial well-being. 

Description of the Issue : Upon reviewing my Equifax credit report, I discovered the following XXXX unauthorized inquiries that were made without my consent : XXXX. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Inquiry : XX/XX/XXXX These inquiries have adversely affected my credit score, making it difficult for me to access credit at reasonable terms. As someone who depends on good credit for financial stability, this situation has caused me significant distress. 

Actions Taken : In response to these fraudulent inquiries, I promptly filed a report with the Federal Trade Commission ( FTC ), Report Number : XXXX. Additionally, I contacted Equifax to dispute the inquiries and requested their removal. However, despite these efforts, Equifax has not resolved the issue. The fraudulent inquiries remain on my credit report, and Equifax has not provided a satisfactory explanation or resolution. 

Consumer Rights Violated : I believe that Equifax has violated my rights under the Fair Credit Reporting Act ( FCRA ), including : 1. Right to Accurate Credit Reporting : The FCRA guarantees my right to an accurate credit report. The presence of unauthorized and fraudulent inquiries constitutes a violation of this right. 
2. Right to Dispute Information : The FCRA allows me to dispute inaccurate or unauthorized information on my credit report. Equifaxs failure to address and rectify these disputes violates this right. 
XXXX. Failure to Investigate : Equifax is obligated under the FCRA to conduct a reasonable investigation when a consumer disputes information on their credit report. I believe Equifax has not fulfilled this obligation, as the fraudulent inquiries remain unaddressed. 

Important Note : While I am seeking the removal of these unauthorized inquiries, I do not want a fraud alert placed on my credit report. A fraud alert is not necessary in my case and could complicate my access to credit. I am specifically requesting that the removal of these inquiries be handled without placing a fraud alert on my credit report. 

Impact : These fraudulent inquiries have resulted in a lower credit score, which could potentially lead to higher interest rates, denial of credit, and other financial challenges. As an elderly XXXX XXXXXXXX individual living on a fixed income, this has caused me undue stress and poses a significant risk to my financial well-being.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The account listed under my credit report as US DEPARTMENT OF EDUCATION has violated my federally protected consumer rights to privacy, as well as my confidentiality under 15 USC 1681. 
ACCOUNT NUMBER : XXXX ACCOUNT NAME : US DEPARTMENT OF EDUCATION 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 : 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 ( s ) containing any of the following items of information. Any other adverse item of information other than records of convictions, of crimes, which antedates the reports by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) States : A person shall not furnish any consumer reporting agency if the person knows or has any cause to believe that the information is inaccurate. 

XXXX, XXXX, and TransUnion have reported I have a overdue balance on this account for 39 months. They then sent this account to collections without my written authorization or consent. The collections agency then continued to report this false information on my credit report history, negatively affecting my credit health to creditors, and third party companies. 

This inaccurate report of my credit report, and history from XXXX, XXXX, and TransUnion of the balance and lack of payment has permanently, and negatively reduced my credit score for many years due to false reporting, inaccuracies, and these three agencies in question are responsible. 
These inaccuracies are preventing my ability of receiving higher credit scores, better funding opportunities for home loans, car loans, and overall improving my credit health.
Product: Debt collection

XXXX XXXX XX/XX/XXXX {$650.00} XXXX XXXX XXXX XX/XX/XXXX {$530.00} XXXXXXXX XXXX XXXXXX/XX/XXXX ( was during the time of covid SCAM ) {$13000.00} XXXX XX/XX/XXXX {$570.00} XXXX XXXX XX/XX/XXXX {$1900.00} XXXX XXXX XXXX XX/XX/XXXX {$1300.00} PLEASE REMOVE CHARGED OFF ACCOUNTS OFF MY CREDIT REPORT ACCORDING TO 15 US CODE 1601 LATE PAYMENTS 15 US CODE 1666B COLLECTIONS 15 US CODE 1692C
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX refused to Verify the following accounts that don't belong on my credit report. I AM REQUESTING THEY PROVIDE ME PHYSICAL VERIFICATION PROOF UNDER THE FAIR CREDIT ACT UNDER THE LAW, BUT EXPERIAN & XXXX   REFUSED TO PROVIDE SUCH PROOF. THEY CONTINUE TO SEND ME FORM LETTERS. 

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, credit repair services, or other personal consumer reports

The Experian credit reporting agency is refusing to remove XXXX XXXX XXXX redacted* from my credit file. Please be advised this account was removed XX/XX/XXXX and added back with absolutely no supporting documents or proof from Experian. 

With extensive research. I have attached proof the account was removed, added back and the open dates are changed. Upon adding an account back to a consumers profile. Proof of an actual debt must be provided in support of a claim of an actual debt being owed to the alleged creditor. The Experian credit reporting agency and XXXX are not honorable companies. 

The Experian credit reporting agency stated they will not respond to anymore of my disputes unless I provide relevant information. Apparently, the truth is not enough! 

The credit report Date generated : XX/XX/XXXX ; the open date was XX/XX/XXXX. On XX/XX/XXXX the open date is now XX/XX/XXXX. This is proof of inaccurate reporting. The Experian credit reporting agency chooses to ignore this and XXXX chose to provide copies of alleged charges with questionable ip address history. 

I requested the contract between myself and XXXX in the form of validation notices. The contract actually signed by me to allow XXXX to report to my credit files which allows The Experian credit reporting agency to update my credit file. 

I should not have to fight for a good credit score or to be treated with respect, this is outrageous! I am to be protected! A complaint with the CFPB is necessary at this point. This is the only negative account on my credit file, it is not reporting to any other major bureau nor XXXX. ( see attachments ) Provide exactly how this account was validated as belonging to me. 

I have researched how The Experian credit reporting agency uses a standard letter to respond to complaints via this portal. Please take into consideration I would like an authorized representative to reply as I have a right to understand whats really going on with this particular account and Experian. XXXX generated auto reply messages will not be accepted.
Product: Debt collection

I am writing to bring to your attention a concerning issue regarding the conduct of XXXX, a telecommunications company, regarding their handling of my debt. Despite my explicit instructions to cease communication under the Fair Debt Collection Practices Act ( FDCPA ), XXXX continues to engage with third parties and disclose information about my debt. This includes selling my personal information to collection agencies, resulting in repeated attempts to collect the debt and potential harassment. Such actions not only violate my rights under the FDCPA but also jeopardize my privacy and security. I am deeply troubled by XXXX 's disregard for my lawful request to cease communication and their apparent willingness to compromise my personal information. I urge the CFPB to investigate this matter promptly and take appropriate action to ensure XXXX 's compliance with consumer protection laws.
Product: Checking or savings account

I contacted Chime in regards to the unauthorized charges when I discovered them and informed them to dispute the charges because my wallet was stolen and I didnt make these transactions. I submitted a police report. And they still deny my claim to refund my money. The amount as follows. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was refunded into my account with no problem after being charged after the major XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

XXXX XXXX Fraud money. 

I sent {$160.00} to him for buying XXXX XXXX  ticket. 
When I sent money to him, he never answer to me. How can I refund money back?
Product: Credit reporting or other personal consumer reports

Complaint Letter to Delete Inaccurate Information Dear Sir or Madam : I respectfully request your prompt attention to the following inaccurate information on my credit report. For your convenience, the disputed item is listed on the enclosed page of my credit report. 

The following item is inaccurate and negatively affects my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents, or any instrument bearing my signature. Failing that, this item must be deleted. 

It is my understanding that under law you have 30 days from the receipt of this letter to verify this item. It should be understood that failure to do so within 30 days constitutes a reason to immediately delete this item from my credit report. { FCRA 15 U.SC. section 1681 ( 5 ) ( A ).

Also, under 15 U.S.C. section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please notify me the item has been deleted. You may send an updated copy of my credit report to the below address. According to the provisions of 15 U.S.C. section 1681j, there should be no charge for this notification. 

These addresses do not belong to me and ive never lived there. 

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

On XX/XX/2022 I received a credit statement of purchases I did not make or authorize, I contacted Indigo Credit card and notified them of fraud charges, I had paid {$40.00} so accurate account balance is now - & XXXX XXXX dollars they removed the XXXX dollars and closed card and issued me new one of which i will receive in 7-10 days, today XX/XX/2022 i saw they reported debt to credit bureas, XXXX XXXX XXXX XXXX XXXX XXXX, as open and XXXX balance incorrect my credit score also took a hit of XXXX points collectively on all 3 major reporting bureaus
Product: Credit reporting or other personal consumer reports

equifax, XXXX, and XXXX all show alternate information and incorrect reporting for matters corrected by creditors. 

I have sent several mailed in requests months and months ago to remove incorrect information like other peoples names from my credit profile. 

they continue to add erroneous information regarding the XXXX resolved case- they added 4 years of charge off XXXX  when it was previously XXXX XXXX XXXXXXXX has provided them reporting that account is closed and paid and never late and though i returned the car to XXXX for being recalled for a safety issue it still appears as voluntarily reposted or surrendered. this is not correct they refuse to correct the name versions on my report and do not report the positive and paid off accounts in good standing. 

all three agencies must be in XXXX  as the shas caused major issues if a bank only uses on company. 

please let me know how we can speak to someone to correct these issue it is affecting my credit and this is specifically done to people of color and affects us in making purchases and obtaining credit!
Product: Checking or savings account

I applied for a checking account with Citibank I went through their prompt submitting the information they wanted they asked for more information I submitted that information as well at this point I was awaiting their approval to start using the account and up on calling them checking on the status of my account opening I was told that my account opening was closed I dont see a reason why they wouldve done this to me Its extremely frustrated and I feel embarrassed and violated for their way of treating people when Im just trying to get a checking account to manage my financials in times like these
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was approved for covid hardship assistance for my mortgage payments by Kentucky XXXX. Kentucky XXXX has paid my mortgage payments every month from XXXX of XXXX. My mortgage company has NOT be accurately reporting my payments from Kentucky XXXX  on time and has reported numerous late payments to my credit report which is 100 % inaccurate. Due to these mistakes my credit score has dropped significantly and I have multiple late payments on my credit report that need to be fixed and removed.