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

I have contacted XXXX XXXX on several occasion to have unauthorized inquiries removed from my Credit Report but they have refused to remove it. I have also filed an Identity Theft Complaint and have a Security Freeze on my Credit Report but XXXX XXXX is still allowing my report to be accessed. 

I need these Inquiries removed 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 EQUIFAX 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 Please Also Remove XXXX XXXX XXXX and XXXX XXXX XXXX Please Remove XXXX XXXX XXXX Please Remove XXXX XXXX XXXX XXXX as these are as a result of identity Theft. I have attached a copy of the report for your record
Product: Debt collection

I 've been accused of allegedly owing over $ 10K for various parking citations from AllianceOne and their sister company XXXX in Washington state ; that I know is completely false and they were already paid. Prior to me paying my balance online on their website and sending money for payment arrangements they garnished my wages through my employer ( which I was unaware of a case against me nor was I notified until the day my employer start garnishing my checks ). I was n't notified properly of any notification of any judgment. They are using false, deceptive and misleading means to collect debts and communicating information to credit reporting agencies that it should have known to be false, using abusive practices and is in violation of the FDCPA. In addition to, their sister company harassing me. After sending dispute letters in order to have some sort of resolution to both of these companies, I got no result. This has been on-going since 2011. I believe they are cheating the state and not telling the truth about their pratices. These entities are adding interest on a daily basis causing more debt for the individuals who are debt.
Product: Checking or savings account

My husband and I received a postcard invitation from Citizens Bank offering a special rate of 2.50 % on a 15 month cd with a minimum deposit of {$1000.00}. We could not be current Citizens ' customers, and we would have to open a checking account there too. On XX/XX/XXXX we went to XXXX XXXX XXXX and withdrew {$5000.00} from two Cds there for a total of {$10000.00} and a total penalty of {$340.00}. We took the {$10000.00} to Citizens to open an account there. We were told by the teller that we would have to match our {$10000.00} cd amount to a checking account or another {$10000.00}. We protested and asked to talk to the manager, which we did. Both the teller and the manager apologized for the lack of information on the card to clarify the matching feature. Obviously {$10000.00} in a no interest checking account would be XXXX!
Product: Credit reporting or other personal consumer reports

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX Inquired on XX/XX/2023 2023
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX XXXX # XXXX and XXXX XXXX XXXX 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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

It shows I owe medical bills still. They have already been paid and I should not be still oweing anything from them. It should not be still showing up.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax just dropped by credit score by XXXX points for information that is very old. These guys are ruining my credit score during a pandemic over something that is supposed to be put on hold. I went from XXXX to XXXX for information that is very very old. THIS IS ABSOLUTELY INSANE
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 XXXX reported an address change on my Experian report. I did not move. All 3 credit bureaus have me frozen for past 3 years - my choice. I am trying to get more info, but it is upsetting. Obviously a fraud perpetrator is applying for something. 

The new address reported is XXXX XXXX, XXXX XXXX, NJ.I went to the police web site and the web site said to report here. 

Is there anything else I can do? Thank you.
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns regarding the handling of disputes related to Zelle transactions. It has come to my attention that the follow-up on these disputes has not been executed properly, particularly in the light of the recent CFPB lawsuit that highlights a significant amount is issues with the platform. 

There seems to be a lack of communication and resolution efforts on Zelle 's part, leaving many users uncertain about the status of their disputes. It's crucial that a more robust follow-up process is established to enhance user trust and satisfaction. The CFPB findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system. leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises a serious concern in regard to consumer safety.
Product: Debt collection

On XX/XX/XXXX, My apartment complex XXXX XXXX XXXX approved my 60 day notice to vacate. We found someone else to start a lease with the complex at the end of the 60 days. We got an email on XX/XX/XXXX letting us know of all the expenses for moving out ( photo included of email ). This included our rent for the last month, carpet clean, and con service bill. Also, an optional cleaning ( which we payed for as well ) The total for everything came to {$2000.00}. That amount was payed in full and I have a payment confirmation ( photo included ). I went to the office and they said we will also get our deposit back. I got a final move out statement that says we still owe {$430.00}. One of the charges was a wifi router we accidentally took with us when we moved, which was given back. Another was a key fob we had already returned. They agreed to take both expenses off once bringing the wifi router back. Those expenses were {$180.00} of the {$430.00}. After the {$180.00} was taken off it should have been {$250.00} left. Yet somehow they are saying we still owe XXXX. Also, looking at the statement they sent of what we still owe, it has the carpet clean and conservice bills that we already payed, included in what they say we still owe. I also tried to ask about where the deposit was over text and was ignored. I then got a single text saying they believe they may have charged us twice for our final trash/water/sewer bill and that they would look into it. I never got a message back again. Also, after paying the {$2000.00}, I logged into my account and it had over {$200.00} from that payment that was supposed to go towards any last expenses. I can no longer get access to that account ( I think it was deactivated after we moved? ) and I dont know where that money is now. I then got mail from the dept collector saying I owe XXXX XXXX XXXXXXXX {$340.00}. I called XXXX XXXX XXXXXXXX 5 times since then. The first time, I talked to someone and they said from their end I didnt owe anything else. I told them I got the letter from the dept collector and they asked who I worked with at the complex prior while moving out. I told them which person and they said they would have her call me back within XXXX hours. I didnt hear anything for a week so I called again. They said the same thing. Still didnt call. I then got another notice from the dept collector and tried to call again. This time they said they would send a message and say it was urgent so someone would get ahold of me. Again, no one did. I have now gotten my final notice from the dept collector. I called XXXX XXXX  XXXX one more time and explained the issue i was having to the person on the phone. I was rudely disregarded and told they would call me soon. My credit is now at risk because of XXXX XXXX XXXX blatant disregard for my concern.
Product: Checking or savings account

XX/XX/2021 at the approximate time of XXXX XXXX. I went inside the Wells Fargo Bank located at XXXX XXXX XXXX XXXX, XXXX, Mississippi to pay the complete balance of a loan account, last four digits ending in XXXX. The teller, XXXX, name located on the receipt completed the transaction. I gave permission to her to take money from my checking account to pay off the loan. The loan balance was in the amount of {$2200.00}. Instead, she had taken the amount of {$2900.00} from my account and placed the payment on the loan amount. After the transaction was completed I left the bank. At the end of the day and after I completed a number of errands I noticed the amount on the receipt. The amount of {$2900.00} is the incorrect amount. The correct amount and the final settlement is {$2200.00} which is stated in a letter from the Wells Fargo Bank, dated XX/XX/2021. 
I contacted Wells Fargo Bank at XXXX XXXX, XX/XX/2021 until XXXX XXXX. talking to numerous tellers and representatives to correct the problem and return the over payment of {$750.00} to the checking account. A representative advised that it will take 45 days to return the funds to the account. 
Finally I requested to speak with a Compliance Officer at the bank and XXXX XXXX and a person by the name of XXXX XXXX XXXX - last name spelled the way that I heard it ) replied that they have an Escalation Department. 
I am in dire need of my funds. Please help me to have my funds returned to my checking account immediately. I have no income to pay utility bills, house payment, etc. basic essentials.
Product: Money transfer, virtual currency, or money service

My electric company ( XXXX ) has begun using a company called ACI XXXX to process payments. ACI XXXX is charging processing fees on all transactions including debit card transactions, the only exception being their autopay system. Obviously this is designed to force people to sign up for autopay, however, processing fees for debit cards are illegal. I should be able to make my electric bill payment, a service in which I have no choice, without being charged an extra fee. Having called the electric company, they refused to do anything about the fee, and suggested I pay in person at an " authorized retailer '' ( I can no longer even go to the electric company and pay them in person ), and was warned that authorized retailers also charge fees. I would like to pay my electric bill, no matter what way, without incurring extra fees for the privilege of paying them AT ALL.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in disagreement with XXXX, XXXX and Experian credit reports on my payment history. Specifically two credit cards XXXX. XXXX XXXX - XXXX, XX/XX/XXXX On XXXX 's end there was an issue with autopay/payment due date changes. Payment was received as soon as I was notified of the issue. Was falsely assured Id have no issue with my credit report 2. XXXX XXXX, XX/XX/XXXX On my end autopay failed and I didnt recognize, HOWEVER, the account was paid in full ( actually a few dollars over ), days later. I was never over 30 days overdue. XXXX and XXXX where paid in full as well XXXX. XXXX XXXX, XX/XX/XXXX I was XXXX XXXX XXXX but I never missed a payment.
Product: Debt collection

The company keep putting different dates of the last payment received dating all the way to XX/XX/XXXX. I was not a joint applicant.experienced identity theft. States XXXX is owed on auto loan. Initial date of auto loan states XX/XX/XXXX. Action that was taken was a repossession.
Product: Checking or savings account

Capital One bank has not processed my direct deposit along with thousands of other Americans due to a " system outage ''. I need my paycheck today because I have bills to pay, including my car loan, electricity, and student loans. They have not provided us with any resolution. They sent an email at XXXX on XX/XX/XXXX stating that the problem would be fixed by the morning of XX/XX/XXXX. The problem is not fixed and I still have no money. Capital one does not have any sort of backup or contingency plan for this and it is extremely frustrating when I live paycheck to paycheck. This " outage '' has not been handled correctly at all and has affected so many lives.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked Equifax to assure maximum possible accuracy to multiple inaccurate accounts reporting on my credit file. Despite my efforts, Equifax has failed to conduct a reasonable and fair investigation that these accounts are 100 % accurate. The lack of response has caused me significant harm to my financial reputation and mental health. I greatly appreciate your attention to this matter and assistance you can provide to resolve the inaccuracies in my credit report.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX I re submitted an online dispute for a second time asking TransUnion to please update the late payments to paid as agreed never late.Between XXXX my student loans was in forbearance and deferment during the years TransUnion has listed as being late, I also asked for proof of statement showing late payments which I never received. I also asked how can I be in good standing in XX/XX/2017 and XX/XX/2017 Im 90 days late?. But instead for the second time XXXX XXXX results they investigated the information I disputed and updated : Date Updated; Last Payment Made ; Maximum Delinquency ; Rating. Which wasnt what I disputed even thought the dispute process online is difficult. I made sure to put in the comment where they ask why I am disputing this item again what I was disputing and the purpose.
Product: Credit reporting

In XX/XX/XXXX I called Experian twice about Inquiries showing up and disappearing and the rep told me that I needed to refresh my browser. I explained to him that its not a browser issue that something is going on with my credit score, not only that i had a fraud alert on my report, but I was told I needed to dispute them with the creditor - something that 's not mine???. I had to put a freeze on my credit because I do n't know what was going on. When I called them again to do another dispute the Customer Service did not help and take care of the negative inquiries reporting to my credit report. I also tried to log back in to view the case number and i have been locked out of experian
Product: Credit reporting or other personal consumer reports

My student loans were transferred from to Mohela to XXXX in XXXX. XXXX and Mohela are both reporting the same student loans.The balance with Mohela should display {$0.00} because the loans were transferred to XXXX, but my credit report is still displaying balances from XXXX and Mohela. The balances are {$9300.00} ; {$20000.00} ; {$13000.00} ; {$53000.00} ; {$2900.00} ; {$1700.00} ; {$4300.00}. All of the balances with Mohela should display {$0.00}. My student loans are currently with XXXX. The double reporting resulted in a XXXX decrease on my credit score.
Product: Credit reporting or other personal consumer reports

I am demanding immediate clarification regarding the method of verification your bureau uses to confirm the accuracy of disputed items on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to know exactly how disputed items are verified. I expect you to provide me with complete transparency about the following : The exact process or method your bureau uses to verify disputed items. 
The identity of the entity/entities responsible for carrying out this verification. 
Any documentation or evidence used to support the accuracy of the disputed items. 
I am fully aware of my rights under the FCRA, and I expect full compliance with this request. If you can not provide verifiable proof for these items. 



I demand they be removed or corrected immediately. 

Do not delay in providing the requested details. If I do not receive this information promptly, I will take further action. This is not a requestit is a demand for transparency and accountability.
Product: Payday loan, title loan, or personal loan

Sadly, I was a long time customer of Check into Cash XXXX, KY. My final loan with them was started XX/XX/XXXX. When due the quarantine had started and I not left my home in more than a week. I needed to rewrite which meant paying off, getting a new loan, and then going to bank to deposit. I would pay them {$580.00} and they would give me back {$500.00}. I asked if I could pay the fee over the phone and they said no, they said in XXXX you can. A nearby town but in Indiana. So I asked can I pay them and you all transfer the funds and I was told I would have to have the district manager call me. The local office said I could come pay anything and they would hold the account. My husband was on his way home he stopped in the office with {$40.00} cash he had on hand and the rep said between our call and his arrival the dm had called back and it had to be at least half. And the DM was going to call me. He never called. My loan remained outstanding and I called the local office several times asking about DM phone call and she said he was supposed to call and she couldnt do anything had to speak to him. He never called. 


A few weeks later I called the office and said can you cash my check and just put an end to this and she said no, not allowed to cash checks. Previously she was doing that but she got in trouble and my check would not/could not be cashed. Soon it would turned over to collections and they would call me and I could make payments to them. I said great. 

About 2 weeks later I received a letter stating my account had been turned over to collections and I had 7 days to resolve it before further collection activity. The letter was date XX/XX/XXXX, my check cleared my bank account on XX/XX/XXXX. 

Not 7 days My check was cashed after being told it would not be cashed No DM ever called after numerous times of being told I needed to speak to him I call the XXXX number on the letter, they asked that I email them a copy of the letter showing that it happened in less than 7 days. Email them the letter they sent me. I did and they were escalating and someone was going to get back to me. It has been 1 month. Nothing so now I am trying this route. 

In addition one of the last times I was writing a check for a loan in the office the person in front of me had a due date 30 days out, my loans were always due in 2 weeks. Meaning in the payday loan trap I was paying XXXX 2x a month vs this person only once a month. I asked and they said they only get paid once a month. Seems like a fair and responsible banking issue that a person who has note pay dates is required to pay more.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CT XXXX ph : XXXX XXXX XXXX my loan no. XXXX loan was transfered to this co ON XX/XX/2018 and modified, i started making payments on time from XXXX onwards but this co has put late 180 days on my all 3 credit bureaus while i never paid them late since, now after multiple reminders and they did agree to their mistake and are still not willing to remove the late that was caused due to their incompetence. 
i want the negative late of XX/XX/2018 to be removed completely. 

XXXX XXXX XXXX XXXX XXXX XXXX, nj XXXX
Product: Debt collection

XX/XX/2018 i contacted XXXX in reference to two accounts being reported as bad debt..i first asked them to furnish me with the original application showing my signature..Rep said she didn't have to SHOW that i told her according to fdcpa A debt has to be proven she said their is no such thing ... 2nd i asked when did i come to agreement with XXXX to have access to my medical records..i advised her i need proof of such occurrence..she placed me on hold..a supervisor got on the line stating if debt was not paid they could garnish my wages even sue me i asked for this in writing they disconnected the call.. I called back another representative came on the line and immediately said we refuse to talk to you and disconnected
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is reporting an account from XXXX XXXX on my credit report. I would like to request a validation of debt on this account.
Product: Credit reporting or other personal consumer reports

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. Experian, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 
. 

XXXX  Facts : XXXX  is aware and has proof in the attachment labeled as Exhibit B. : XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681e ( b ). 


The inaccurate reporting of both my account status and payment status by XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX is causing harm to my credit reputation and financial standing. 

All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Product: Credit card or prepaid card

I closed my account with Citi card in 2017 by telephone. The account was not closed and the only charge after the date when I closed the account was an annual fee ( {$60.00} ) from XXXX. I was then charged {$210.00} in late fees and {$11.00} in interest. I did not receive any statements from the bank after I closed the account. It was sent to a debt collector and I could not receive any help with statements or resolving the problem. I paid the debt collector and reported the program to the Office of the President at Citibank. They denied me repayment of these fees because they could not find proof of the account being closed. ( It was closed over the telephone. ) I explained that I had no late payments and no other charges which substantiated my claim that I had closed the account and was not aware of the late charges accruing until I received notice from the debt collector. I understand this is becoming a new area of consumer fraud perpetrated by the banks. I believe that Citi should reimburse me for fees incurred after the account was closed.