23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Applied Bank Account XXXX - XXXX. I just received a copy of my credit report. To my surprise, this charge off account is reporting incorrectly, not only that but the Payment Summary is inaccurate for example Experian is reporting XXXX, XXXX, XXXX, XXXX and XXXX shows charged off But, XXXX shows, XXXX, XXXX XXXX, XXXX but the montth of XXXX shows DATA UNAVAIBLE. XXXX shows ACCOUNT CLOSED NO PAYMENT SUMMARY. I Forgot to mention these is for the XXXXXXXX XXXX XXXXXXXX but this is a inaccurate credit reporting. According to the FCRA I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report. Please make action on this matter ASAP. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX DPT ED/XXXX  XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX FI XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Checkr Background Check XXXX  Showing adverse actions over 7 years old on background reports for employment. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Disposition Date : XXXX XXXX XXXX XXXX
Product: Credit card

XXXX XXXX ADVERTISES AS FREE BUT IS NOT FREE. 

This is a result of misleading advertisement for a FREE XXXX XXXX  account. I set up a new XXXX address and used a Company Capital One credit card because I was called by a XXXX Recruiter Rep requiring a CC to use the free service to be canceled at any time. I said to cancel after 3 days on the XXXX recorded line. My staff paid the CC for months before I realized. A Capital One Rep called a XXXX  Representative with me, and the XXXX  rep acknowledged that I did not use the XXXX  service except for that one day but would not adjust the monthly charges. I would not pay. I asked to listen my conversation on the XXXX recorded line with the Capital One Rep but the XXXX rep said I would need a subpoena. 

Truly FALSE advertisement.
Product: Money transfer, virtual currency, or money service

Issue : I send money to a wrong person via XXXX XXXX Bank of America application. 
date of transaction : XXXX XXXX of $ I transferred : {$3500.00} I sent that amount of Money from my Bank of America XXXX account. 

Explanation : I mistakenly sent {$3500.00} to a wrong account. I was supposed to send that amount of money to my sister but the money did go to someone else who took her phone number. my sister did go to vacation overseas when she come back her phone number was given to someone else, when I was trying to send her money I mistakenly used her old phone number and the money did go to the new phone number user. I contacted XXXX they told its only Bank of America that can help me because the transfer was performed in Bank of America XXXX. I filed a claim to Bank of America and they responded they can not approve my claim and neither can return my money because I initiated the transaction, they told me that the only way XXXX get my money back is to contact the receiver and ask him if he is willing to send the money, I called the receiver ( the guy who now have my sister old phone number ) he said he did not receive that money on his account. 

please help me, its a lot of money for me, and the bank of America did not give the help that I think I deserve as client. 

thank you,
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I checked my credit report and saw a collection was placed on my account by XXXX XXXX. I do not recognize this account. It is not mine. I filed a FTC affidavit and I also send a debt validation letter to the company and a letter to the Credit Bureau. 
Please remove this account immediately. 

Thanks
Product: Mortgage

We 've made multiple attempts to cancel and obtain a clear reconciliation of our escrow account since 2014. We 've contacted CMS by phone and letters ( via fax per their instruction ) to no avail. In many cases, we received no response. The responses that we have received have been conflicting. Our monthly payments have continued to rise since opening an escrow account with CMS, although we 'd been told that they would decrease after we 'd paid the escrow balance off, which we 've done. 
Also CMS recently informed us by phone, that their records indicate that our mortgage loan is set up on a term that is incorrect. They claim that we have an ARM although we have documentation from CMS as late as XXXX 2014 stating that we have a 30 year Fixed Rate Mortgage. We have not completed any refinancing or modifications since that time. We 've spoken with countless reps, supervisors and departments over this period, and have not been able to receive any clear answers or resolution. Although we document the names of reps that we speak with, and they advise that they are documenting the system and/or requesting escrow account audits, we call back to only find that neither have been done and we have to start from square one with each CMS representative that we speak with. We have exhausted all resources with CMS to try to and resolve these matters with no success so engaging CFPB to assist us.
Product: Vehicle loan or lease

Lienholder : Atlantic Union Bank, XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX This vehicle is no longer owned by me and I would like to stop the monthly loan payment of {$560.00} effective XXXXXX/XX/XXXX2024. ( loan ending in XXXX and balance of {$18000.00} ) I was XXXX in XXXX, XXXX in XX/XX/XXXX and my vehicle became the property of XXXX XXXX on XX/XX/XXXX. This transaction occurred as described in a registered letter sent to me and to the bank in XX/XX/XXXX. The towing company was allowed to sell the vehicle per XXXX XXXX XXXX to recover impounding charges. I have never missed a loan payment and have paid in excess of {$12000.00} since the vehicle was taken from me and sold by the towing company. I no longer receive statements showing my loan balance from the bank. They called to inquire about reposessing the vehicle in XX/XX/XXXX and were lied to by the towing company saying the vehicle was wrecked and in bad condition. I have a copy of the sheriff 's report stating the vehicle was in good condition when it was impounded and have shared this with the bank. Since i was XXXX i could not pick up my vehicle and the towing company would not let my family pick it up either. I am on a XXXX XXXX XXXX XXXX and make only {$1700.00} income.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : ( Original Creditor ) N/A ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX 
ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX  XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX
Product: Student loan

Nelnet Employees ( Men and/or Women ) It is against the law for employees to abuse securities instruments and misuse entrusted property to create fictitious debts, sold those debts to other companies only to come back stating that the Grantor and Sole beneficiary of the estate owes that company who bought the debt. 

Employees do not have a written agreement signed by myself where every alive and living in the creation of God Almighty Creator were present. Employed at Nelnet werent given written consent or authorization by me to report, false and inaccurate information to consumer reporting agencies so they can profit from doing so. I have the proof that the information is inaccurate and is not true, otherwise these employees must admit or deny whats listed in this audit. 

Payments for the accounts, the terms and whether or not the account is current : Credit Reports are made up reports containing security backed instruments that are sold for profit and gain. 

Non of the payments amounts are the same and does not add up. Employee at consumer reporting agencies are stating that the payments are paid up as so called agreed but theres still debts listed with terms of 300 months for {$0.00} a month. This would proof of having 300 months for these employees to benefit off my sweat equity while I suffer financially and are literally being plundered as well as stolen from.
Product: Credit card or prepaid card

I have an account with XXXX XXXX  XXXXSynchrony Bank XXXX I made a one time payment from my checking of {$78.00} amount due on XX/XX/2022. On XX/XX/2022 and XX/XX/2022 two other debits totaling {$150.00} was taken out of my checking account. I did not sign up for automatic drafts out of my account. I called my Credit Union and informed them of the issue. I completed a stop payment form as per the branch manager. She couldn't guarantee that in the future it would not happen again. I reached out to Synchrony Bank and was told I could not get my refund and that I would have to call back. It was almost impossible trying to understand the customer service representative. I was also placed on hold for most of the conversation for long periods of time. Please help me in retrieving my monies. I am a XXXX XXXX XXXX XXXXr trying to work and pay my bills on time. I really appreciate your help.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Had violated my rights. 

15 usc 1681 section 602 A. States I have the right to privacy. 

15 usc 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 1681 C ( 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 convictions of crimes which antedates the e report by more than seven years. 

15 usc 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: Credit reporting or other personal consumer reports

I noticed two inquiries on my credit report that were not authorized I called Trans Union, who said that they would dispute them and they never did. They blocked me from accessing my Credit Report online and Blocked me from disputing as retaliation. 

Today I called and spoke with XXXX from Transunion Special Handling Department and she told me they do NOT dispute inquiries even if they are not authorized. 

I alerted her that this is a violation of the fair credit report act. And then according to the CFPB they have to obey the law and if they can not verify they have to delete. They wont even dispute it. This is a violation of the fair credit reporting act for accurate information on my credit bureau. This is also a violation because they allowed a company to access my credit bureau without my permission XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed false reporting XXXX  inquiries I have not inquired about, on my credit report. I have mailed a request to XXXX XXXX  Musa Auto Finance XXXX  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 card or prepaid card

I opened an American Express platinum credit card on XXXX XX/XX/XXXX. On XXXX XX/XX/XXXX the card did not work at XXXX XXXX gas station in the morning and then again on XXXX XXXX a day later.There was no intimation from the company either by phone, text or email regarding the cause of declination. 

Please note this card has annual membership fee of {$550.00} which is THE HIGHEST fee in credit card category. A reasonable consumer can expect a superior service experience when paying highest fees. 

When I called to express my displeasure at being denied simple transactions the employees could not give any satisfactory reasoning. 

I was charged {$550.00} annual membership fee in XX/XX/XXXX, the company states that the annual membership is refundable within 30 days of opening. 

In XX/XX/XXXX, company sent me a letter stating that the account is cancelled because of abusive behavior on my part, they kept my {$550.00} fees plus {$1100.00} worth of points that I had accrued. They further blacklisted me from all American Express products. 

I am a XXXX XXXX was attending to XXXX XXXX XXXX patients during XXXX XXXX have attempted to work with them, but no success. My consumer rights and first amendment rights stand violated, need CFPB help.
Product: Debt collection

They have repeatedly called my work phone -- over XXXX times in a single afternoon. I am at work and need to focus on working, not answering their calls. They would call my cell phone, then my work phone, then my cell phone again, etc. This is utterly distracting and I will call them back when I am not in a work setting -- which is completely unprofessional.
Product: Credit reporting, credit repair services, or other personal consumer reports

inquiry victim today i checked my report again i have inquires from companies i never authorized on all  XXXX  credit reports  XXXX ,  XXXX ,  Trans  union.   I called th e Credit reporting agencies they told me to call the companies, i called the companies and they said for me to send a copy to them and need to investigate it because the Credit reportin g agencies make mistakes.
Product: Debt collection

There has been fraudulent charges in my XXXX bank account and I reported it to them IMMEDIATELY. They removed the charges but didn't remove the fees for my account going to negative for these charges. 
Basically these fraudulent charges have been made in my account and these were revered back but the fees associated with these fraudulent charges making my account go to negative haven't been reverted back. 

They said it'll take a month to investigate the charges in my account after a month they got back to me and said they indeed were fraudulent charges and removed them but didn't remove the fees. 

So I closed my bank account there cause their policy is unfair. 

If the charges were fraudulent why should I pay the fees associated with them? 


Now they put a derogatory mark in my credit score caus of this. This is totally unfair.
Product: Debt collection

This was a number I 've had for 10+ years, and for a debt that is not mine. Nor do I have an association with the individual the caller is attempting to reach or the county that is referenced. 

The call was from XXXX, which a XXXX search identifies as owned by National Bureau of Collections in Oklahoma. The call was received on XX/XX/2016 at XXXX. 

Caller states the call is for a male named XXXX XXXX (? ). Caller identifies herself as XXXX XXXX. She states XXXX XXXX has an outstanding warrant in XXXX County and needs to contact her by XXXX.Caller directs XXXX XXXX to contact XXXX, extension XXXX. 

At no time did caller identify her company.
Product: Money transfer, virtual currency, or money service

Zelle provides on the desktop version the ability to schedule automatic recurring payments, which I used to pay for a recurring weekly service using the service provider 's phone number. When I no longer needed to process those payments, I decided to " Deactivate Zelle '' ( as stated in the app ) from my XXXX app and the payments stopped. 

When I Iater reactivated Zelle ( weeks later ) to process other payments, the automatic recurring payments initially set up on my account were still active and kicked back up. The resulting situation was a series weekly payments resuming to the original phone number on file. However, the phone number changed ownership in the meantime, and the phone number was no longer owned by the service provider but by someone else. That new person started accepting all pending recurring payments, quickly draining my bank account. What is incomprehensible for me is that, after you " Deactivate Zelle '', your automatic payments schedule stays active and immediately gets restored as you re-activate ZellXXXX at a later time ( and can aggregate through time ). This is an abusive and unsecure feature. 

Consumers are getting ripped from their money as banks like XXXX push the risks on consumers and shady third-parties like Zelle/Early Warning who do little to no efforts to secure transactions. I will share my concerns where possible ( e.g., CFPBXXXX XXXX XXXX  to ensure companies like Zelle/Early Warning can not operate with the level of impunity/disregards to consumer protection rules. 

Date of transactions was XX/XX/2022 for a total of {$500.00} ( from multiple transfers ). 

I contacted XXXX and Zelle on XX/XX/XXXX and XX/XX/XXXX for resolution ( cancelling the automatic transfers that got cashed in ) to no avail.
Product: Bank account or service

I applied for a jointly held Checking Account online with Citibank. I had thought I could apply online and fund in person the same day, which this bank is apparently unable to do. Due to this, my husband had to open a second, sole owned, account in person at the branch. We opened the account in order to receive a credit on closing costs for a mortgage loan. Two weeks later, I called Citibank to close the jointly held account. I placed my call shortly after XXXX PT, while unpacking our new home. I was informed that the account can not be closed by the customer service line, apparently some 'new account ' department had flagged the account and would n't allow anyone but them to close it. I insisted upon an escalation and was told an after-hours form was being submitted to close the account. Three weeks later I received checks in the mail for this supposedly closed account. I called a second time and was told again that a hold was placed on my account by a 'new account ' division and it was preventing anyone from assisting me during the hours I am able to call. Again the representative claimed a form was being submitted and the account would be closed. The next day I went into the branch, during normal business hours, closed the joint account with a {$1500.00} balance, yet STILL could not close the {$0.00} balanced account. The store managed then informed me that a fraud department had flagged the account and even they were unable to override it. How can it be legal to hold a customer hostage like this? I am trying to ensure that no monthly service fees are charged, thus causing an overdraft on an account I do not want or need. How could TWO different customer service reps give false information that they are closing an account, the second representative claimed I would receive a confirmation email of the account closure that never happened.
Product: Credit reporting or other personal consumer reports

This is a list of all hard inquires that are reporting to my Experian, XXXX, and XXXX which is in violation of my privacy rights under the Privacy Rights Act of 1974, 15 USC 1681 permissible purposes, also 15 USC 6802 and 15 USC 6805 disclosing of personal information. The companies stated below and also XXXX, XXXX, and Experian all broke the law and need to be held accountable for their illegal and unlawful actions. None of the companies listed below were given written consent by me to obtain my information or disclose it. I have attached my credit report as proof of discrepancy on my credit file, all three credit bureaus are reporting different information, some are reporting specific hard inquires and the others reporting the other ones which is in violation of 15 USC 1681, inaccurate reporting on my credit file, the reporting are not matching up and every hard inquiry needs to be removed immediately as they each are subject to {$1000.00} fine per each violation. I have did my due diligence of complying with the law and filing an identity theft report with the irs that has been filed which I have attached a copy of that document as well. XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX