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

I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORTED ON THE ATTACHED ACCOUNTS. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS TO THOSE ACCOUNT. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNTS THAT'S LISTED.
Product: Checking or savings account

I went to local branch and made a deposit for total of XXXX dollars in my business account money is nowhere to be found went to the branch spoke to a banker he called it in they are saying it will take 10 days to investigate the reciept is there it is banks fault Wells Fargo is not admitting they messed up either someone stole the money or this is how they do business I am being hit by bad business from my creditors because Wells Fargo goofed up
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM FURIOUS WITH THE XXXX EXPERIAN XXXX XXXX AND XXXX XXXX  XXXX! I HAVE BEEN TRYING TO RESOLVE MY ID THEFTI SSUE FOR THE PAST FEW MONTHS AND THEY ARE REFUSING TO HELP ME. I HAVE TRIED REACHING SEVERAL DIFFERENT DEPARTMENTS DIFFERENT SUPERVISORS AND MANAGERS, NO ONE KNOWS WHAT THEY ARE DOING, NO ONE IS HELPING OR GIVING ME ANY RESOLUTION. THEY REFUSE TO GIVE ME VIABLE EVIDENCE PURSUANT TO SECTION XXXX XXXX IN THE FAIR CREDIT REPORT ACT. I AM TIRED OF GOING BACK AND FORTH AND NOT GETTING ANY RESOLUTION. TELLING ME ADDRESS NAME SOCIAL AND BIRTHDAY MATCHES IS NOT VIABLE EVIDENCE, OBVIOUSLY IT MATCHES THATS WHY I AM A VICTIM OF IDENTITY THEFT. THEY HAVE NO SIGNATURES FROM ME GIVING APPROVAL OF THE OPENING OF THESE ACCOUNTS. I NEED YOUR HELP CFPB IN HELPING ME RESOLVE THIS ISSUE, I AM SICK AND TIRED OF DEALING WITH THESE COMPANIES WHO ARE ROBBING ME FROM MY PEACE. ITS BEEN TOOOO MANY MONTHS ALREADY. OH AND I WILL ALSO ADD THAT XXXX  REFUSES TO BLOCK ANY INFORMATION THAT IS REPORTED AS FRAUD PER WHAT THEIR SUPERVISOR SAID, SHE SAID THAT WE DO NOT FOLLOW FEDERAL LAW, WE HAVE OUR OWN RULES AND PROCEDURES, WE WILL INVESTIGATE FOR 30 DAYS. THEY DO NOT COMPLY TO THE RULES OF SECTION XXXX IN THE FCRA. AND SHE CLEARLY STATED XXXX DOES NOT COMPLY WITH FEDERAL LAW, THEY FOLLOW THEIR OWN RULES AND REGULATIONS.
Product: Debt collection

I bought an XXXX  and data service on XX/XX/2017 from XXXX XXXX XXXX store located in XXXX XXXX ( XXXX XXXX XXXX XXXX - XXXX XXXXXXXX, XXXX XXXX, XXXX  XXXX ) On XX/XX/2017, I took the XXXX back to an XXXX XXXX XXXX store near my house for return ( XXXX XXXX XXXX, XXXX, XXXX  XXXX ). They said, since I bought the XXXX in XXXX XXXX, I will have to take it to the same store for return. I explained today is the last day for return for which the attendant said she'll make a note on my account saying I visited an XXXX XXXX XXXX store within 14 days for return eligibility. 

Next day, I took the XXXX  back to the XXXX XXXX XXXX store at XXXX XXXX for return. I explained them the situation and said I am willing buy this XXXX for full price if the return is not allowed. They said its ok to return and took my XXXX  after charging a restocking fee of {$45.00} ( I still have this receipt where there is a line item for cancellation of installment plan ). 

I started getting calls from a collection agency saying I owe XXXX XXXX XXXX {$740.00}. I told them I don't have the XXXX anymore and how can they ask me to pay for an XXXX  they already took from me. 

I went back to the XXXX XXXX XXXX store located in XXXX XXXX ( XXXX XXXX XXXX XXXX - XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX ) and asked them why they are asking money for XXXX  that I already returned. The person in the store called XXXX XXXX XXXX customer care while I was there, spoke for an hour and said its fixed and I don't owe money to XXXX XXXX XXXX. 

After 3-4 months I again started getting calls from another collection agency for the same amout ( DIVERSIFIED CONSULTNTS XXXX XXXX XXXX XXXX XXXXXXXX, XXXX  XXXX ). I explained to them the entire story. However now I have a collection record in my credit report. 

I have attached both the receipts from XXXX XXXX XXXX ( 1 for the initial sale and 1 for the return )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX Account Number # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed false reporting and inquiries I have not inquired about, on my credit report. I have mailed a request to XXXX and American Credit Accept to have the inquiry removed from my XXXX account. Have not received a response. I am requesting these inquiries be removed. Reported on XX/XX/2021
Product: Credit reporting or other personal consumer reports

I called Transunion and let them know I was a victim identity theft. And that the XXXX inquiries on my credit report were fraudulent and unauthorized. I have recently filed a FTC report that I will attach as well. Nothing has transpired yet from Transunion. Attached will be a complete list of all XXXX inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries that I did not know about nor authorize. Never sought credit through lender and in case of XXXX XXXX XXXX XXXX was told they worked from 1st credit report they pulled for 30 days and there would not be a second but second pull was done. Other creditors or services I have no knowledge of and did not authorize my credit report to be pulled nor accessed. XXXX inquiry dated XX/XX/XXXX. XXXX XXXX auto finance dated XX/XX/XXXX. XXXX XXXX XXXX dated XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns for Zelles handling of disputes, particularly in light of the recent CFPV lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times, and reporting discrepancies., my financial institution, and Zelle fail to investigate. My claims adequately. Therefore me that recover lost phone was impossible, and the tracking these transaction was an feasible. The CFPBs findings indicate that there has not only neglected to protect consumers, but has also allow, repeat offenders to explore the system., leave any users vulnerable to scams the lack of accountability and transparency is unacceptable and race. Serious concerns about consumer safety. I would like this issue to be looked into immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX A XXXX XXXX XXXX XXXX, GA XXXX XXXX A XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$2.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$3800.00} XXXX XXXXL XXXX XXXX XXXX Balance XXXX {$12000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$310.00} XXXX XXXX XXXX Balance : {$5500.00} ( Original XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$150.00} XXXX XXXX XXXX  XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 
XXXX XXXX {$2500.00} XXXX XXXX {$480.00} XXXX XXXX {$620.00} XXXX   XXXX {$5800.00} XXXX {$150.00} XXXX   XXXX {$110000.00} XXXX XXXX {$110000.00}
Product: Credit reporting or other personal consumer reports

I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract. 
Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft.

Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello to whom it may concern, I am reaching out in regards to fraudulent inquiries on my credit report. I have contacted both the creditor, XXXX and customer service would not take care of the issue. 
The Inquiries listed were : XXXX XXXX ( Bank ) XXXX XXXX XXXXXXXX XXXX XXXX  ( Bank ) XX/XX/2021 XXXX XXXX  ( Bank ) XX/XX/2021 XXXX XXXX XXXX Bank ) XX/XX/2021 2021
Product: Mortgage

My husband passed away 8 years ago. I recently assumed the mortgage. Nationstar has not corrected the name on the mortgage and has n't sent me a correct XXXX. I 've received a XXXX that has no numbers in the interest paid field. My name is incorrect. So far, I 've received 3 different XXXX forms-none of them are correct.
Product: Credit card

Upon logging in to XXXX XXXX credit card rewards, I noticed the reward balance was XXXX. I contacted the customer service number who updated my account to show current points which was completed successfully however the balance was much lower than expected. The customer service representative informed me that my points expired on XX/XX/XXXX. I was not aware that the points could expire. She attempted to have them reinstated at my request but was unsuccessful, so she transferred me to a supervisor, XXXX, who was unwilling to even let me speak or ask questions. He read me a script stating no exceptions and that it is my responsibility to manage my account and they have no obligation to notify me that my points were expiring. He stated that there was a change in terms in XX/XX/XXXX notifying me of the change. I was not aware of the change or I would have redeemed the points before they expired. I have been a customer for nearly XXXX years with excellent credit history using and paying the card on time. I requested an exception to have the points reinstated and that I would redeem immediately so they didnt sit on the account longer since they should be expired. XXXX was unwilling to work with me, spoke over me, continued to berate me that I should have been responsible to redeem the points. I asked for his last name and he hung up on me. The point value expired is greater than {$1000.00} cash value. Id like assistance in resolving this matter. This practice is unfair and deceptive. The company should notify customers their points will expire to afford them the opportunity to redeem their points.
Product: Credit card or prepaid card

On XX/XX/XXXX, I applied and got approved for a secured credit card so that I can start building credit for the sake of my life changing events ( newborn, family, new job, etc. ) to grow in knowledge and access to financial responsibilities. My required deposit of {$300.00} was processed in a quick and timely manner but my credit card never came. Patiently, I waited and attempted to contact your company, despite the aforementioned changes in my life and busy schedule. It was impossible to get ahold of anyone in your company. No recordings, no live representatives. Nothing. The closest I got to reaching anyone was when the long hold stopped and then the call ended. I researched ways to get in touch if calling failed. I sent letters in writing, after several call attempts, to the address on my statements. Once for a new card ( around XX/XX/XXXX ) and another to close my account with a refund ( XX/XX/XXXX ). According to several online sources with similar experiences, this was quite common to not hear back or get an answer from this company. I continued to get statements despite never receiving a card, so my address on file was correct. No responses in regards to my request were answered. The only communication I received other than statements, was when my deposit amount was depleted to {$0.00} over time ( until XX/XX/XXXX! ) and THEN I finally received my card in the mail, 3 years later, unused and with a now closed account. This has left a negative impact on my credit report causing a domino effect towards other credit applications, lasting effects on my financial status, and a debt in my name from my own hard earned money that I never got to utilize. This is not fair to report an account that was never used and never given proper documents to utilize such account activities until after the account has closed and damage has been done. I would like to request proof of delivery and date of inital card ( s ) issued for this account as well as dates of notices for each statement and closure warnings. Please also be transparent about the availability and contact sources for consumers with similar grievances. If no proof can be provided for when the inital card was delivered, or if it was sent, as I stated, after the closing of said account, I would like this report to be removed and forgiven so that no further harm can be done to my identity.
Product: Checking or savings account

I sent {$250.00} to the wrong person got in contact with the bank immediately and they said they couldnt do anything and I do have documents and I also made a police report
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I identified a few billing inaccuracies. The late payments indicated are inconsistent with my history. I request that you correct these errors and update my account accordingly.
Product: Debt collection

Professional placement services contacted me at my job. I am just getting back to work from XXXX XXXX XXXX. this is stressing me out I have a home phone
Product: Credit reporting or other personal consumer reports

Goodleap has assured me that they would correct the erroneous reporting and they have not. They are still reporting late payments on my account to XXXX XXXX XXXX and this account has NEVER been late.
Product: Money transfer, virtual currency, or money service

An account on XXXX  (XXXX ) was selling shoes through a raffle. I bought two yesterday XX/XX/2020 through XXXX as a gift for me and my boyfriend with a total of {$340.00} ( one payment of {$170.00} and the other at {$170.00} ). He received my payment and then that night blocked me deleted his comments and now has my {$340.00} and left me empty handed. I called my bank ( XXXX  ) and they told me they cant to anything because I authorized it but Im not receiving an item so that should be reported as scam - but they didnt even give options or any help. I later found out he does this to a lot of people and im not the first. 
I have no job right now and am a current college student and was hoping to get some cheaper shoes for gifts since he looked legit and has a big amount of followers. I tried to request {$340.00} back through zelle and says he can not be found with that contact information. I also contacted local authority and they told me to leave it alone since theres no case tied to it and hes not causing threat or harm ( but he did steal money from me ). They also mentioned how its happening a lot during covid. I did my research and this is how zelle and scammers get away with taking money from people. This is my first encounter and Im freaking out because I cant get my money back. 
All I want is my money back and to be at peace that this guy wont do this to other people. My bank ( XXXX ) has ties with zelle and should warn people about scams and how they we cant get a refund if anything happens with scamming. Especially during this time with covid people like me are taken advantage of without even realizing it. His page is still active and hes probably doing this to many others. If you can do anything that would literally save my life and help me out financially.
Product: Credit card or prepaid card

Genesis FS card services has a complaint filed with the ftc, I reported fraud that this card was used these charges I am disputing I sent them a copy of this ftc identity theft report and reported fraud. Im getting a letter after me calling several times and filing a complaint there trying to put these charges back on me I will not pay for anything I did not use. These charges need to be disputed and taking off or will consider this fraud XXXX have this account closed Im giving XXXX  a chance to make this right i am filing this with the consumer financial protection bureau to correct this issue. Not be blamed, I have made several attempts to call and explain what had happen now please. Dispute every item on this card. And bring it back to XXXX card loan amount or like I said I will close the card XXXX report this as being fraudulent by this company, I am providing the ftc identity th ftc identity theft report and show my information was exposed in a data breach
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contact Barclays Bank Delaware about a specific amount that has been paid and the account has been closed for more than a year. The account shows closed, and the balance was never updated to zero. The balance remains at XXXX. I contacted Barclays and they told me to contact a collection agency. When contacting the collection agency, they tell me to contact Barclay. 

I have a letter from XXXX, the collection company showing the account was settled on XX/XX/2020. I got the letter from XXXX on XX/XX/2020 and called Barclay again. They still have not updated the balance on my credit report. 

The amount settled was XXXX. Barclays settled for a lesser amount and sent me a 1099 for XXXX. 

When I spoke with Barclays, they were aware the account was paid.
Product: Checking or savings account

I wrote my monthly payment check # XXXX for the sum of {$2400.00} to XXXX XXXX, my XXXX XXXX XXXX account, ending in XXXX ( my checking account is with XXXX XXXX XXXX  ) on XX/XX/2022. It was cleared by XXXX on XX/XX/2022. The check was deposited to Bank of America without an endorsement. XXXX XXXX uses XXXX XXXX Bank, and does not have an account at bank of America. XXXX XXXX XXXX  immediately notified Bank of America of the fraud. ( The US Post office confirmed that the blue mail box, into which the mailed payment had been inserted, had been looted- and since the box has been removed ). I have been told that B of A has 90 ( or 120 ) days to return the funds to XXXX. Nothing has happened and I still am unreimbursed. More than 120 days has passed without B of A returning to me the funds. My understanding is that a check can not be cleared without an endorsement, and of course, can not be deposited into an account not the same as the payee on the check. B of A is failing to comply. Either B of A or XXXX ( or both ) should reimburse me immediately for this fraud. Neither can clear a check without an endorsement. Copy of the check was supplied to XXXX and by it to B of A ( along with my fraud affidavit, and other documents ), and yet there has been no action by B of A. It has been more than 120 days. Please help.
Product: Mortgage

I obtained a 2nd mortgage from XXXX. The mortgage broker, XXXX XXXX, was a XXXX ( I did n't know this ) and he conned me into buying a house that his wife owned. At the time, I did n't know that his wife was the Seller. I lost the property to foreclosure and found out that the loan had been transferred to XXXX and then to Ditech LLC. I did n't know any of this until my tax prepared told me that Ditech had filed a XXXX wit the IRS for the amount owing on the 2nd mortgage. I do not believe that Ditech owned the mortgage and have contacted them and sent them a XXXX letter under Massachusetts XXXX. I am contacting you because I believe that Ditech was/is not the holder of the Note and therefore had no right to issue a XXXX in my name to the IRS.
Product: Mortgage

The appraisal ( 16-VA-517 ) was and is so defective that the VA Appraiser attempted to amend and supplement the appraisal either retrospectively or with the facts as he had established them. The VA Staff Appraisers refused him that necessity. He immediately refunded me the costs I paid him for that appraisal. I told the Originator that the appraisal was wrong, I told the closing agent and it is obviously so defective that it in no way reflects public records.
Product: Credit reporting or other personal consumer reports

I have been contacting the companies and credit bureaus for XXXX months. filed verbal and written disputes and still no results. the XXXX rep advised me to take this approach
Product: Student loan

I was contacted by XXXX XXXX XXXX on a daily basis for months pressuring me to enroll. I finally gave into their high pressure sales tactics and I enrolled. Shortly after enrolling, I became homeless and could not continue to obtain my degree. My loan is now in default and I do n't know what to do.
Product: Credit reporting or other personal consumer reports

I am compelled to address a persistent issue regarding inaccurate information on my credit report. Despite submitting multiple disputes, complete with clear documentation, your agency has not corrected or removed the erroneous information.

As mandated by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, you are responsible for ensuring 100 % accuracy in reported information. By failing to act on these inaccuracies, you are in violation of this requirement. I insist that you take immediate corrective action to investigate and ensure my credit report accurately reflects verified information only.