23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I'm trying to very simply close my Indigo credit card. I can not reach a human being. I've tried their automated system multiple pl times and either get disconnected or rerouted. There is no chat bot or FAQ on their website. The product just doesn't meet my needs in terms of longterm credit planning and financial management, so I know longer want it.
Product: Credit card or prepaid card

Comenity Bank has attempted to pull my credit report on two occasions when I have purchased clothing from XXXX ( XX/XX/21 ) and XXXX to XXXX XX/XX/21. I did not apply for their card and I did not consent to them attempting to pull my credit. Nor do I have any lines of credit with them. This is fraudulent.
Product: Money transfer, virtual currency, or money service

I had issues with Zelle regarding disputes before they gave me a run around & with the CFPB lawsuit I took this as a opportunity to fill out because Zelle didnt properly look into issue nor did XXXX which caused me to have lost funds I couldnt re gain which was horrible! which allows this issue to constantly happen and people get away with it
Product: Debt collection

My husband had gotten an alert on his credit score saying that it dropped by XXXX points. We looked on it and it says that 2 accounts went to collections by Commonwealth finance. The original creditor is XXXX XXXX XXXX XXXX. The amounts is for {$1300.00} and {$93.00} and were opened XX/XX/XXXX. I called the battery point services to see what this is about. The number is based in Texas but the phone number is disconnected. The address is at a local hospital here so I contacted them. The hospital said that my husband hasn't been seen since XXXX and he has now debt and nothing in collections. I called Commonwealth finance. The lady there told me that it was from a physician in XX/XX/XXXX. It supposedly went into collections in XXXX but is just now reported on his credit. The XXXX XXXX XXXX XXXX say on a website that they were established in XXXX but is listed as the original creditor on the account dating back to XXXX! He has never had a medical bill because of his insurance. We have never gotten any notification of him owing a medical bill and was never contacted. We found out because Commonwealth finance reported it to his credit. I have also read reviews of XXXX XXXX XXXX XXXX doing this to others with bogus bills. And Commonwealth finance also has bad reviews of screwing people over. Commonwealth finance did say that they will dispute it. But it won't be taken off of his credit until it is disputed with the credit companies, which I can't do because of the coronavirus. Here is the link to the XXXX XXXX XXXX XXXX XXXX XXXX   XXXX
Product: Credit reporting

XXXX XXXX XXXX, 2016 I checked my credit with XXXX XXXX and had a total of XXXX hard inquiries removed from my credit report. I checked my credit with XXXX XXXX on XXXX XXXX, 2016 and all XXXX hard inquiries were reinserted back on my credit report. Transunion never informed me that the XXXX inquiries would be reinserted. I did not receive any form of communication from Transunion as required by the FCRA section 611. I have been calling Transunion since XXXX XXXX and begging for someone to assist me. To no avail I have not received any assistance from them. I have requested to speak to a representative in the United States in the special handling or dispute department - received no assistance. Multiple agents have been belligerent, some have told me that they know there was a glitch but tough luck on me and I should file a complaint. As of yesterday, XXXX XXXX, I gave it a try again and still did not get any assistance.
Product: Credit reporting or other personal consumer reports

My credit report has been pulled up by these companies and applications were done in my name, I don't recognize these fraudulent inquiries nor have authorized them. I have contacted the bureau and the representative told me that they would be deleted from my credit report but I still see it, it's adding unnecessary stress in my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

PERSOLVE LEGAL XXXX, pulled my credit report without my permission. I do not know who they are and only knew of this breach because I have credit report warnings due to being involved with two different credit breaches. They have not contacted me by any means, so I do not even know what they are even after. Is it proper for them to pull a credit report before even making a demand?
Product: Credit reporting or other personal consumer reports

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/scrub>XXXX XXXX XXXX XXXX
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 Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to invesigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but also allowed repeat offenders to exploit the system, leaving users vulnerable to scams This lack of accountability and transparency is unacceptable and raises serious concerns and consumer safety.
Product: Checking or savings account

I have had this account with US Bank since XX/XX/XXXX, with very few issues. On XX/XX/XXXX my account was overdrawn by {$2.00}. I made a deposit during regular business hours in the amount of {$330.00}, on XX/XX/XXXX, which should have covered the OD. Instead the bank charged me {$72.00} worth of OD charges. My deposit was the same day. I am retired, and on a fixed income, and the bank has put me in a position, where I will not have enough $ to pay all my obligations for this month! How can I get the funds credited back, when they were fraudulently taken. In XX/XX/XXXX, I read an article describing US Banks new policy, to no longer charge OD fees, when the account is less than {$5.00} overdrawn, to begin XX/XX/XXXX. This is Discriminatory against a senior citizen, and is usery, which is prohibited by law. I think US Bank has No concern for their customers. Can you help?
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was used to create accounts or obtain services that I never requested or recieved, these debts are medical in nature and are therefore violations of the HIPPA making me seem unhealthy or sickly unwarranted I decline the requests to do business with the collection companies on my credit reports at XXXX, XXXX, Trans Union and XXXX have them to delete these illegal accounts which are violations of the FCRA and FDCA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX did not correctly enter my check information and subsequently reported me as 30 days late to the credit bureaus. I tried correcting the information, but XXXX XXXX   refused to help me. 

It is unfortunate, but XXXX XXXX Customer Service representatives are in Third World countries and their English is often very poor. Due to that problem, they often they are unable to understand the information given and make mistakes. While XXXX XXXX may be saving money by using offshore representative, I am the one who is paying the price for their errors. Since the Customer Service representative got my check payment information wrong, the payment was subsequently rejected and now my otherwise perfect credit is showing one 30 day late payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXDispute XXXX XXXXDispute XXXX XXXXUnder Dispute XXXX  XXXX XXXXXXXX XXXXDispute U.S. DEPARTMENT OF EDUCATIONDispute U.S. DEPARTMENT OF EDUCATIONDispute US DEPT OF ED/XXXXUnder Dispute Personal Information show tooltip button NamesAddressesDOBSSNPhone Numbers 51 personal information entries View All Accounts show tooltip button Credit CardsMortgagesLoans 12 accounts, 7 potentially negative View All Inquiries show tooltip button
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the victim of identity theft. I have Fraud Alerts and Security Freezes placed on all 3 of the Credit Bureaus. XXXX XXXX XXXX is still reporting on XXXX, Experian, and XXXX credit bureaus, an alleged debt that i owe them. I have sent 2 certified letters to XXXX XXXX XXXX requesting, then demanding that they show validation that the debt is mine, i.e., an original contract with my signature. They have failed to provide me with any validation, and in one response, they indicated they were above the FCRA and FDCPA, and " were n't required to provide me with any information ''. They also, in further violation of the FCRA, failed to provide the remarks, " account in dispute '', or any words to the effect, within the 30 day time limit. I have proof of those responses, and time-dated copies of my Credit Report, after 30 days of them receiving my certified letters, to show the court if need be, and this can be easily won by me through litigation but i thought i would try one last time to allow XXXX XXXX XXXX to do the right thing. I am including proof of my identity theft, as i purchased my Credit Report several months ago with XXXX and it was revealed that another person had used my social security #
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name, XXXX, # XXXX ; Account Name, XXXXXXXX XXXX XXXXXXXX, # XXXX ; Account Name XXXX XXXX XXXX XXXX # XXXX ; Account name, XXXX XXXX # XXXXXXXX ; XXXX  XXXX XXXX XXXX. 

15 USC 1681 section 602 A states that I have the right to privacy.

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block , Inc. ) due to inadequate customer service and unfair practices which violate the consumer financial protection act ( CFPA ) specifically cash app failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and not protected even more their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit card

I signed up for a promotional offer with Chase Credit Card services. I was to get a {$15.00} credit if I spent {$150.00} on utility payments using their card between XXXX and XXXX. I paid my gas and electric bill in the amount of {$170.00} on XX/XX/2024. However I was denied the credit because Chase did not post the transaction until XX/XX/2024.
Product: Debt collection

XXXX XXXX a collection account randomly appeared on my credit report From Pro Collect. I NEVER received any notification in the mail or otherwise. No right to dispute. Which is illegal. No phone call or anything. They are extremely rude and hang up. I contacted the original creditor XXXX XXXX XXXX. who confirmed my account was sent to collections in error by new property management company, they stated they would take care of it. on XX/XX/XXXX I received a letter from Pro collect stating the account was being submitted for deletion to the credit bureaus and this matter was closed. As of today this inaccurate derogatory account is still be reported. I disputed the account with the credit bureaus which is still pending 3 weeks later. I am being denied a loan due to their illegal business practices. I called pro collect today to inquire about removal the rude guy stated I would have to send an email to a person named XXXX to request deletion. before I could ask for the email address the rude guy hung up on me. This account never should have been reported in the first place and this company is violating both the fair credit reporting act as well as fair debt collection practices act. No excuse why they havent taken any action to remove this account.
Product: Credit reporting or other personal consumer reports

Recently I reviewed my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that the Credit Bureaus will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify. XXXX XXXX Account XXXX # XXXX This debt has been XXXX by the XXXX creditor, which means, that the debt has been paid and is considered income. Since a XXXX is considered XXXX, it has to be removed. Income can not be reported on credit files
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Reporting Act XXXX Account XXXX 15 U.S.C 1681 section 602 A States I have the right to privacy.

15 U.S.C 1681 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I have recently discovered inaccurate information on my report, which I believe is not associated with me. This situation has caused me significant concern about the security of my personal information
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX account # XXXX, has violated my rights. 
XXXX XXXX  account # XXXX, has violated my rights. 
XXXX XXXX, XXXX account # XXXX, has violated my rights. 
XXXX XXXX, XXXX. account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relation to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and saw accounts reporting that I do not even recognize that is unfamiliar to me
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX, My Citi bank XXXX  XXXX  credit card was stolen and used to make multiple fraudulent charges. The employees over the phone opened the claim and started the investigation but there was an error made where they forgot to include one of the charges on to the fraud so it was left on my account. When I noticed this I called and attempted for months to get this resolved. For some reason, no employee or supervisor were able to help correct the error made by their team so the charge was left and incurred interest and late fees. This error was finally corrected in XXXX or XXXX of XXXX after months of calling multiple times a week and begging for help. The balance finally went back down to 0 and the investigation was completed in my favor as fraud on my account. However, there was a mark on my credit report that I had a missed payment in XX/XX/XXXX for this account because this credit lender company did not remove this and this caused my credit score to drop about XXXX points. I have called every week sometimes multiple times just to beg for them to help to fix this mistake they have yet again made but again theyre not able to fix it. I have made XXXX disputes against them with the credit bureaus such as XXXX, XXXX  and XXXX. Unfortunately Citi Bank XXXX XXXX XXXX  lender company always reports back that the information is correct so nothing is done. When I speak to them on the phone they tell me that there is NO missed payment on my account and my account looks all clear to them however they can not give me any documentation to help show this to me. I tell them repeatedly that on my end and on the credit bureaus ends, we can all see that there is a Missed payment mark on the account that is heavily effecting my account and score negatively. They tell me I am wrong and that they cant see anything. I have been dealing with this for months, since XXXX of XXXX. I have been begging and pleading for their help to resolve this issue that is their mistake. They have been nothing but NOT helpful and such a horrible company to try and talk to and get any kind of resolution. Most of the employees are rude and do not care and have made so many mistakes on my account throughout this investigation. This has effected my life so horribly I have been unable to qualify for anything and have been in the process of trying to buy a home alone but this has been putting me in a difficult position due to the horribly heavy impact to my credit score.
Product: Credit reporting or other personal consumer reports

These companies have ran my credit without my permission as fraud I do not know of these comapni3s except one and I did not run my credit this many times XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not made or know of these inquiries please provide me with proof that I have done these inquiries please
Product: Debt collection

I was contacted by Evergreen XXXX XXXX. Many times. I was dealing with COVID.. I had issues paying bills. I had gotten lots of assistance. I told them I would work on repaying the Director would not work with me. 
They CALLED MY PARENTS AND THREATENED THEM. I can not believe they would stoop that low. 

I am finding out what I can do about harassment. This is crazy!
Product: Credit card or prepaid card

Bank of America XXXX customer service contaced XX/XX/19 to reissue new card in an account that has {$7500.00} balance. 
Told card would be reissued and to me by XX/XX/19. 

Called XXXX to verify as I'm losing my home and no money to eat to find card wasn't sent even due to a block. 

Told I'd get emergency transfer. A call within 24 hours and no response. Bank of America has had every employee lie and still not giving me access to my XXXX paid to me in my account.
Product: Credit reporting or other personal consumer reports

some people online manage to got hold of my SSN, and theyhave used my social security number to create and another account in my CapitalOne credit card, they have all my information and they might collect loan on my name. please stop this as soon as possible.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, which has led to unauthorized accounts and inquiries being added to my credit report. As outlined in 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that you block and delete the following fraudulent accounts and inquiries from my credit report immediately. 
Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX