23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I qualified for the Pave The Wage Promotion with Moneylion, opening an account at the end of XX/XX/XXXX and making direct deposits of greater than {$3000.00} every two weeks starting XX/XX/XXXX. I was supposed to get {$590.00} after 90 days for maintaining that direct deposit, but have not received anything and no resolution from customer support despite multiple attempts.
Product: Credit reporting, credit repair services, or other personal consumer reports

A account that is on my report that has been closed and charged off since XXXX is now updated and reporting missed payments from XXXX, when this account was charged off and closed 8 years ago. I went to XXXX and ask them to update it correctly but instead they added XXXX Balance and a year worth of missing payments. This account use to only show a XXXX Balance and no miss payments. The company has continue to fail the people without doing the proper investigation
Product: Checking or savings account

1. My certificate of deposit matured XX/XX/23. On several occasions in advance of that date I attempted to set up a plan for how to move the money post-maturation. The website would not allow me to do so. 

2. I have tried " help '' on both the Citi website & mobile app. There is no information in " help '' about how to handle a maturing certificate of deposit. 

3. I was sent a letter on the account with a signal that it was a high priority. I have tried to access it on several occasions, and EACH time there is an error message saying that Citi is " Currently Experiencing a Technical Issue. '' 4. It took seven minutes when calling the Citi phone number in my documents concerning my certificate of deposit to reach a person to be able to discuss these issues, as their automated system has nothing remotely on point. That person had no capacity to help me deal with the situation.
Product: Mortgage

***COPIES OF WRITTENEVIDENCE FOR THE COURTS ***INTENTIONAL VIOLATION OF THE RESPA BY NATIONSTAR, XXXX XXXX  AND XXXX XXXX*** ATTACHED IS THE EVIDENCE OF LOAN FRAUD*** HERE IS A COPY OF OUR PREVIOUS REQUEST IGNORED WHILE THEY TRIED TO STEAL OUR HOME USING FRAUD ~ XXXX**1. Allegations of Fraud, Criminal Activity, and Predatory Lending ~ In review of your correspondence provided to the CFPB, you claim that XXXX XXXX, XXXX, and Nationstar have defrauded you based on the evidence that a Wind Insurance Policy was not added to the Initial Application Documents, HUD-1, Escrow Disclosures or the Initial Payment. As such, you have requested that the loan be rescinded with any lien release documents, property rights, and Titles transferred back to you. XXXX ATTACHED IS NATIONSTAR CONFIRMING THE FRAUD IN WRITING ~ THIS CONFIRMATION OF THE FRAUD IS SIGNED BY THEM AND ON THEIR LETTERHEAD SO WE DO N'T NEED TO QUESTION THE SOURCE ~ THEY HAVE ALREADY ADMITTED GUILT *** WE HAVE ALSO ATTACHED THE ORIGINAL, FRAUDULENT LOAN PACKET WHICH MISLED THE ELDERLY CONSUMER*** IN THE FUTURE WE RECOMMEND THEY DON '' T BUY FRAUDULENT LOANS AND TERRORIZE CUSTOMERS. XXXXATTN XXXX ... IMPORTANT SIDE NOTE, THESE XXXX ALKWAYS THROW OUT THEIR FRAUDULENT RESPONSES BETWEEN XXXX AND XXXX XXXX ON A FRIDAY AND THEY NEVER PUT THE FRAUD IN WRITING, THEY PUT IT IN AN ATTACHMENT WITH THE HOPES THE CFPB AND ATTORNEY GENERAL DOES NOT LOOK FOR IT ... THEY HAVE ESCAPED UNTIL NOW. LOOK AT THEIR ATTACHEMENTS, THEY CONFIRM FRAUD EVERY DAY BUT SOMEHOW IT HAS ESCAPED PROSECUTION. XXXX IN THEIR XXXX XXXX EREPONSE TO ME FOR EXAMPLE THEY PUT THIS IN WRITING ~ " Under the Covenants section on page three ( 3 ) of the Mortgage, it states that all payments accepted and applied by Lender shall be applied in the following order of priority : ( a ) interest due under the Note ; ( b ) principal due under the Note '' AND PROCEEDED TO STEAL 2 HOUSE PAYMENTS WITHOUT PROPER CREDIT TO PRINCIPAL *** THEY CONFIRMED THEY HELD MY MONEY IN THEIR INTEREST BEARING ACCOUNT FOR 60DAYS ... TWICE IN 2017 ... IN WRITING*** ALSO INCLUDED IN THE ATTACHMENTS ARE THE CONFIRMATION OF EMBEZZLEMENT ... THEY STOLE {$1500.00} FROM ME JUST A WEEK AFTER MY XXXX YEAR OLD HUSBAND XXXX ... THIS WAS NO COINCIDENCE ... I HAVE HAD A MORTGAGE ON THIS HOME FOR DECADES AND THIS ONLY HAPPENED ONCE ... DURING MY MOST VULNERABLE TIME *** IF YOU HAVE ANY QUESTIONS ABOUT THE INTEGRITY OF THESE INDIVIDUALS I THINK STEALING CASH FROM A WIDOW AND MAKING HER HOMELESS SAYS IT ALL.
Product: Debt collection

have no idea what this collection attempt is for but they keep contacting me
Product: Credit card or prepaid card

I contacted Key Bank today regarding three charges attached to my debit card that I didn't authorize or charge. This is the second time that this has happened. The bank is imposing on me a 90 " investigation '' period knowing this just happened to me the first time back in XXXX. Their fraud department is telling me that again they need 90 days to investigate the current three charges to my account which I clearly didn't make since I live in upstate New York and the charges were made yesterday in Florida and Texas. I chose to stay with this same bank after the first hack happened as I have been with them for 30 years with my XXXX XXXX I decision that I am now living to regret.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase reported that my Chase auto account is delinquent. It is current paid on time as agreed. They reported that my balance is {$28000.00}. My balance is really {$10000.00}.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous of times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds impossible and that tracking these transactions was unfeasibly. The CFPBs findings indicate that Zelle has not only neglected to protect consumers 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 consumers safety.
Product: Credit reporting 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 : US DEPT ED Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 


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 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: Debt collection

Midland Credit Management Inc. filed a lawsuit in Arkansas against me. Even though the case was in court and they were represented by an attorney, they continued to have an offshore call center attempt to collect the debt. 

After they dismissed the lawsuit, they continued to report the debt to the credit bureaus. 

Despite knowing that I dispute the charges, and without having any information about said charges, they continue to assert the debt is valid and continue to refuse to investigate dispute I placed with the three credit bureaus.

Midland Credit Management is quite aware that the charges are not valid, that I did not authorize most of them, and that I am owed a refund on the account for amounts I overpaid XXXX  XXXX.
Product: Credit reporting or other personal consumer reports

Transunion XXXX XXXXXXXX XXXX  XXXX, Pa XXXX Please be advised that this is my 3rd WRITTEN REQUEST AND FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my right and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite my previous 2 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You stated in your responses to my 2 dispute letters that you have verified that the items listed below are accurate, but you failed to send me copies of the documents that you used to verify these accounts as per my request. The fact that you have ignored my request to send me copies of that of the documents that you used to verify the disputed accounts like you said you did. Your failure to delete the disputed accounts that you can not verify after 2 written requests is also evidence of your Willful disregard of Federal Law.

When we go through the discovery process you will be required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. The fact that you do not have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law and Court will order you to delete them.

You say that you have reinvestigated these accounts but you have admitted that all you have done is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation in violation of 1681 { a } { 4 }.

I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law and evidence of your willful disregard of the law.

Please be advised that under Section 611 { 5 } { A } of the FCRA-you are required to .PROMPTLY DELETE ALL INFORMATION WHICH CAN NOT BE VERIFIED. I request that you do this immediately.

The law is very clear as to the Civil liability and remedy available to me { Section 616 & 617 } if you fail to comply with Federal Law. I am a litigious consumer and fully intend on fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I DEMAND THAT YOU DELETE ALL OF THE ACCOUNTS LISTED BELOW IMMEDIATELY. PLEASE PROVIDE ME WITH A COPY OF AN UPDATED AND CORRECTED CREDIT REPORT SHOWING THAT THESE HAVE BEEN DELETED. 

ADDRESSES I NEVER XXXX XXXX XXXX # XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file XXXX Please DELETE THEM Account Name__XXXX XXXX XXXX Date XXXX Account XXXX Reason for dispute_IDENTITY THEFT___ Account XXXX Account Name__XXXX XXXX  XXXX XXXX Date XXXX Account XXXX Reason for dispute__IDENTITY THEFT_________________________ Account XXXX
Product: Credit reporting or other personal consumer reports

Got another email saying experian has closed another complaint with no resolution of the issue however experian keeps sending explanations to complaints that have absolutely nothing to do with the complaint. Experian stole 17 months of on time never late payments to XXXX and won't put I back and deducted a XXXX amount from my credit score
Product: Credit card

Since cancelling discover card in XXXX, the company continues to send as many as two or three marketing offers a week.

I have made several calls advising discover to please refrain from sending marketing material as I am not interested in any of their products. I have been told several times that I have been opted out of their marketing material. Yet, I continued to get solicited on a weekly basis. In fact, I received more junk mail from discover today. Discover seems to purposely continue harassing me because I have opted to never do business with them again.
Product: Credit card or prepaid card

Complaint : XXXX & XXXX & XXXX Please see attached.
Product: Credit card or prepaid card

XX/XX/2020 I ordered a wireless adapter from XXXX The vendor for the adapter was shady about shipping notifications and I have a huge email chain with them trying to cancel my order or locate the device they claim to have shipped to me. I never received the device I ordered. After several months of trying to work with the vendor I opened a dispute with Goldman Sachs for my Apple Card which I used to make the purchase. 

I have opened multiple disputes with GS citing never receiving my item and the company claiming I DID receive it. I did not. 

The last dispute that I can find record of was on XX/XX/2020. This dispute was also denied. I have disputed multiple times and gotten nowhere with GS. 

The vendors name on my transaction history is XXXX  My transaction : XXXX XXXX XX/XX/2020 2020
Product: Debt collection

I have not received any written notification of this debt by CMRE. I i was called about a debt in XXXX of which i made payment in good faith & requested Dr 's information or the clients they represent, however i have not received any receipt of that payment or any other payment reminders or even details how this debt was accrued. 

i never got a bill from any doctor neither do i remember receiving any information neither by call or in writing from CMRE, this was only brought to my attention, when it appeared on my credit. 

i am in the process of purchasing a home and attempted to pay them {$100.00} though i already mentioned this was mistaken identity. 

they threaten to put this on my credit if i did not pay, so i paid them just to avoid any discrepancy on my credit. 

well come to find out they reported falsely to my credit and have engaged in XXXX style tactics, threatening and harassing me since i made my first call to them.. 

i need justice and a refund, they should delete this from my record and provide the Dr or Hospital details that gave them my information, so they can be sued. 

falsely reporting to my credit has caused me great financial loss and i am in the process of losing the Ernest deposit i made.
Product: Credit reporting, credit repair services, or other personal consumer reports

Never applied for any loans.
Product: Credit card or prepaid card

Capital One lowered my credit limit from XXXX down to XXXX. My account is in good standing. They notified me after they had lowered my limit that it was because I don't keep a high balance on my card.
Product: Debt collection

On XXXX XXXX, 2015 I have received a phone call. It was an automated call saying that I have to call back, because it is a legal matter and if I dont call back I will be penalized and sued in the court. I called back to the provided number only to find that it was a collection agency that said I have to pay them now, I checked my credit report and turns out that an old bank account had put m eon collection for {$140.00} total but the collection agency requested over one thousand dollars from me. They said that I have to pay now or go to court because they already filed a lawsuit with the court. They also suggested that if I ca n't sign for the papers today ( that same day ) I can call a number to change the delivery date. I called that number and they sent me to talk to the manager. He cursed at me, used unbelievable profanity and requested that I pay them now. I said that I dont even know who they were, what account I owed money for and that they need to send me papers to see along with advertised lawsuit that was " filed '' by the collection agency. They just hanged up on me. I called back and that same person again used profanity against me, when all I wanted to know who they were and some proof on the amount they requested. He then threatened me that he will sue me and that I will go to court.
Product: Credit reporting, credit repair services, or other personal consumer reports

1 ) ACCOUNT NAME- XXXX XXXXXXXX - ACCOUNT NUMBER- XXXX DATE OPENED - XX/XX/XXXX REASON FOR DISPUTE - REPORITNG LATE PAYMENT AND IT IS INACURATE : 15 U.S CODE 1666 - CORRECRTION OF BILLING ERRORS 15 USC 1681B - PERMISSIBLE PURPOSE OF CONSUMER REPORTS. 


2 ) ACCOUNT NAME- XXXX XXXX  - ACCOUNT NUMBER- XXXX DATE OPENED - XX/XX/XXXX REASON FOR DISPUTE - REPORITNG LATE XXXX AND IT IS INACURATE : 15 U.S CODE 1666 - CORRECRTION OF BILLING ERRORS 15 USC 1681B - PERMISSIBLE PURPOSE OF CONSUMER REPORTS. 
I NEED TO REMOVE THESE LATE PAYMENTS!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In early XXXX I attended an online class at XXXX XXXX  located in Arizona for a couple of weeks. I was eventually dropped due to my attendance and my program director dropped me before I could be held 100 % liable to repay my student loans that I have taken out. In other words, my financial aid was cancelled and I owed nothing to them. On my credit report though they reported twice that I owe them from my first starting date even though my financial aid records stated that it has been cancelled and washed away since I was cancelled before I could actually owe anything. I disputed the information with XXXX and provided the necessary documents but they ruled in the loan agency favor and never said anything as to why even though I sent them what my financial aid office has sent me during this situation.
Product: Debt collection

I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency and have gotten little response. My official complaint is against  UNITED REVENUE CORP  for reporting credit information to the credit reporting agencies that was a result of Identity Theft Ive asked in my letter that the negative reporting ceases and the information be removed from my credit report.
Product: Credit card or prepaid card

My AT & T Universal Card has no one answering the phone. I pay my bill in full each and every month and have done so since being a member since XXXX. Since the COVID-19 Pandemic, card statements are coming later and later each month, in fact, I did not rec ' a bill in XXXX at all. They refuse to adjust {$29.00} in fees and {$18.00} in interest. 

Bills have been coming in my mail later and later and despite mailing on time they appear to be " arriving '' at their locations late, resulting in their " fees '' ( note the do not call them late fees in the account summary which is misleading. They also charge interest payments but DO NOT SPECIFY the interest rate charged, also misleading. 

The company has a misleading paper billing statement. Billing period is XX/XX/XXXX - XX/XX/XXXX yet they state that my billing period is the first of every month. When this happens the company states that I can go paperless and sign up for automatic bill pay which to the company makes their life easier but as a victim of on line fraud, I do not want to sign up with this option. I prefer paper bills and do not want to be at the mercy of faulty mail and billing schemes as well as interest rates of 29.89 % which is disgraceful for someone with a XXXX FICO score. 

CITI ATT UNIVERSAL CARD XXXX XXXX XXXX XXXX XXXX, SD XXXX. 15-20 minute wait time for live operator. 

I would like to know if there are internal marketing " goals '' that encourage paperless, direct payment from banks as a business decision which forces consumers onto web sites and be open to fraud. 

Is the CFPB looking out for the consumer or defending the " big '' credit card companies during a COVID Pandemic? This is a question that many consumers have and it seems the Credit Card companies are getting away with misleading fees and late charges. 

I would like to know if late fees and interest fees have increased during COVID-19 and what the CFPB is doing.
Product: Checking or savings account

Somehow my account was used to transfer around {$4000.00} in unauthorized XXXX transactions. 
The credit union sent me messages and I responded that it was fraud but instead of shutting my card down, They continued to allow it to happen. 

They did an " investigation '' for 2 days and denied my claim. 
They didn't look into the fact that it wasn't my XXXX that was used. 
I even tried to mail in copies of the texts to them but got no response. 

These texts are included in this complaint and prove that these transactions were unauthorized. 
It has been 10 bussniess days since I submitted the information and alliant also refuses to provide provisional credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I have contacted the following companies reporting to my credit file and according to them, there has been no communication noted from TransUnion regarding these items. 
I am requesting the Method of Verification used to contact the furnishers and the specific name and number ( please include extension if applicable ) of the person contacted ( An employee looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt ) ( The previous request not honored ). As the following items can not be verified, please correct status or delete them from the credit file : ACCOUNTS XXXX XXXX XXXX XXXX not mine XXXX XXXX   XXXX XXXX not mine Identification already on file, please notice your internal notes. Please send a complete updated copy of the credit report. Additionally, DO NOT place a fraud alert or promotional block, etc. on my file without my expressed permission.
Product: Debt collection

XX/XX/XXXX We had debt collection going on heavily since I, XXXX XXXX Lost my job due to absence from severe sudden XXXX resulting from illness. One income ( XXXX ) was not enough to pay the bills. We were garnished to the max, didn't know that we could fight it. The kicker was that the debts would be passed around after I would write the judge to let them know that I have to eat at church and get baskets from various food pantries to make it but I had XX/XX/XXXXand I was ill, couldn't keep up ... so I asked for it to end. ( this was from XXXX - XXXX ) The judge ended it - and only then in XXXX did we realize that KOHN law firm [ who was very very very horrible mannered when we asked for reduction or for them to stop on our own ] Over-garnished monies by far.. They sent us the over-payment sheet XXXX XXXX XXXX did The Amount of payment was XXXX. The judgement was XXXX. 

We paid them XXXX, XXXX The Judgement XXXX Owed to XXXX XXXX I remain very ill but I am finally able to stay home long enough to get through some of these things that have been weighing me down. I have a home to save. This company has since garnished XXXX check and did so just a few months ago. Rather than use the access funds, they took more. I was struck suddenly with such severe XXXX and illness. We are almost there as far as clearing debts without bankruptcy. We can't get anywhere with this company in this amount of time and it was impossible to file any sooner.