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

Please accept this letter because it is very important for me. I hope we find mutual understanding and you will remove and recheck one more time wrong items in my credit report. I would like officially to complain about that you are reporting inaccurate and incomplete credit information. Those accounts I do not recognize absolutely and as for inquires I have never given any permission to any companies. I have never authorized those inquires and accounts. Please recheck and remove them from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had applied for a job with a XXXX XXXX company, I was told I had to deposit a check for {$4600.00} and then withdraw {$4000.00} to send to the " regional manager ''. The check turned out to be fake and I had to pay my bank back the money even though it somehow cleared even though it was a fake check. Then the bank closed my account and told me it was not their problem and put the fraudulent activity on my credit history so now I'm not able to open a bank account anywhere else. Im sorry for what happen because I didn't do it on purpose and I paid back the money even though I feel like my bank could have done more for me but they didn't. Now I just want them to take off the fraudulent activity from my credit history because now I can't bank anywhere and I won't be able to buy a home
Product: Mortgage

ON XX/XX/XXXX, I CONTACTED QUICKEN LOANS BY PHONE TO DISCUSS THE POSSIBLE REFINANCING OF OUR HOME SINCE THE RATES ARE LOW AND WE HAVE A XXXX ARM AT 5.125 %, AND WERE HOPING TO CHANGE TO A LOWER FIXED RATE. A XXXX XXXX ANSWERED AND MY VERY FIRST WORDS TO HIM WERE " DO YOU FINANCE COOP LOANS IN FLORIDA? '' THE REASON I ASKED THIS WAS BECAUSE COOP FINANCING IS A RARE COMMODITY AND I DIDN'T WANT TO WASTE MY TIME. XXXX SAID HE THOUGHT SO AND WOULD CHECK WITH HIS MANAGER AND CALL ME BACK. HE DID CALL BACK AND SAID THAT QUICKEN DID FINANCE COOP LOANS. 
OVER THE NEXT 8 DAYS, WE WENT BACK AND FORTH PLAYING PHONE TAG ABOUT RATES, CLOSING COSTS ETC., UNTIL FINALLY HE GAVE ME THE VARIOUS RATES AND POINTS ASSOCIATED WITH A 15, 20 AND 30 YEAR FIXED RATE, AFTER OUR EXCEPTIONAL CREDIT HAD BEEN VERIFIED. HE ADVISED THAT WE HAD BEEN " APPROVED '' AND WOULD NOW BE FORWARDING IT TO HIS " DIRECTOR '' FOR APPROVAL FOR ADVANCEMENT TO THE UNDERWRITERS. I WAS VERY HAPPY WITH THE TERMS AND WANTED TO MOVE FORWARD. 
THE NEXT DAY, XX/XX/XXXX, A VOICEMAIL FROM XXXX TO PLEASE CALL. I DID SO AND FINALLY REACHED HIM LATER THAT DAY. HIS NEWS WAS THAT QUICKEN DID NOT FINANCE COOP LOANS IN FLORIDA, ONLY IN NY, WHAT! 
I WAS ABSOLUTELY LIVID, NOT JUST FOR THE TIME I HAD SPENT OVER MORE THAN A WEEK WITH THE GOING BACK AND FORTH AND BEGINNING TO PULL TOGETHER THE NECESSARY DOCUMENTS, BUT THE FACT THAT I WAS BLATANTLY LIED TO ON MY VERY FIRST CALL ABOUT COOP FINANCING! THEY PULLED OUR CREDIT REPORTS UNDER FALSE PRETENSES, SO NOW WE HAVE HARD INQUIRIES ON OUR REPORTS THAT WERE IN MY OPINION, FRAUDULENTLY OBTAINED.
Product: Debt collection

I made them aware that a garnishment has already been made against my wages and they are still taking money out of my personal checking account they gave me a number to call their finance department who also told me that they can not do this but now the finance department wants me to send all sorts of paperwork to them. Inbox loans never sent me a notice of garnishment they sent it straight to my employer which I didnt know about until I received my paycheck and it was money missing so I called my payroll department and thats how I learned of this garnishment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Previously submitted a complaint and neglected to include all credit bureaus. XXXX XXXX has been satisfied and I've even acquired new service at a new residence. They are still reporting as a negative item on my credit report which should be removed as I do not owe a debt.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform despite using Zelle numerous times or reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately. They informed me that the recovering lost funds was impossible and that tracking these transactions was unfeasible the CFPB 's finding indicate that Zelle has not only neglected to protect customers but has also allowed repeated offenders to exploit the system leaving users vulnerable to scams this lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Payday loan, title loan, or personal loan

Loan Debt was fully paid but the company still stole/repossessed my car. When I contacted them they told me that they had already sold it and if I wanted to get a lawyer good luck with that, ( XX/XX/XXXX ). Then I continued to receive notices from the Department of Motor Vehicles as if the car was still in my name. Then most recently I received a notice from the California Highway Patrol that the car ( still in my name ) had been repossessed ( less than a month ago in XX/XX/XXXX ). After speaking with an employee of the CHP they said that there was no hold on the car and I could go get it from the tow yard it was being held at. I called the tow yard and they demanded " X '' amount for the car. The company Title-Max has been paid twice for one loan, didn't transfer the car as required by law appropriately, and I still am without vehicle as of XX/XX/XXXX.
Product: Credit card or prepaid card

My name is XXXX XXXX, I have an AMEX platinum card ending in XXXX. I purchase a XXXX XXXX-year membership on XX/XX/2022, and I cancel the XXXX  membership on XX/XX/2022. XXXX stated that the unused membership will be prorated refunded, and that's the two charges of {$15.00} refunded showing on XX/XX/2022. However, AMEX recharge the XXXX {$15.00} on my account on XX/XX/XXXX. This is not right, since I get no refund from XXXX at all. I called AMEX and the agent said he will file a case to get both charges refunded, but until now I don't see any refund of the XXXX {$15.00} on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom I

t May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- AUTO ACCOUNT -- 1. XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit card or prepaid card

My problem is with Kohls and their store card. I've asked many times about the ability to set up automatic payments in the account in order to avoid late fees. I use this card a few times a year, so I don't have monthly payments. 

It is my belief that Kohls refuses to offer an option for automatic payments so that they can benefit from a considerable number of late payments. The late fee on a recent bill was 35 % of the outstanding bill.
Product: Vehicle loan or lease

he payments that are being reported on my credit profile violate my consumer rights under FCRA consumer law 15 USC 166B. As a long-time customer that has had an exceptional payment history with ( insert company ), I am appalled that they will violate my consumer rights in such a manner that is detrimental to me achieving a good credit profile which affects my approval chances for other accounts.

After speaking with ( insert company name ) customer service they were not helpful and didn't listen to me as a long-time customer. They advised there was nothing they could do, although they were aware my consumer rights had been violated. I can not believe a company of this magnitude doesn't care about their customer 's consumer rights. 
( insert company name here ) is tarnishing my name and credit profile by reporting these accounts ( late payments inaccurately ) without my consent. As well as my creditworthiness, character, and my general reputation which is also against the FCRA. 
CFPB- OUTCOME SCRIPT! PLEASE CREATE TO FIT
Product: Debt collection

Th e CBE Group , Inc. c ontinuously is sending to my employee job emails on its attempt to collect a debt for someone other than me : Dear  XXXX   XXXX  ... I responded each time advised they got the wrong person and to stop sending emails to me and to my job. They continue to do so.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX, EXPERIAN.COM AND XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Product: Credit reporting or other personal consumer reports

In accordance with the fair Credit reporting act ( XXXX Account # XXXX ) ( XXXX XXXX Account # XXXX ) ( XXXX XXXX Account XXXX XXXX ) ( XXXX XXXX  # XXXX ) has violated my rights! Also i want these inquiries removed from my report that were not authorized ( XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX OF XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion ) and o feel my rights are being taken advantage of. 


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!

In addition the law states : 15 U.S. Code 1681i ( A ) - Procedure in case of disputed accuracy ( A ) -If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ;
Product: Debt collection

I had gotten an auto loan from Wells Fargo in XXXX XXXX around the end of the year, around XXXX of XXXX the employees wouldn't put my payment as the monthly payment but put it as payment to the principal balance rather than my actual payment making it as I never paid for XXXX, XXXX and XXXX. They then tried to collect {$9900.00} from me to pay it off. I paid them a little over {$7500.00} but they said that was for the interest and didn't count towards what I owed on the principal balance. I have tried to call Wells Fargo to help me with this issue but have gotten no where with it other than be harassed by Wells Fargo employees. The balance owed should of been around {$2400.00}. Wells fargo is still trying to say i owe {$9900.00} for the car even though it was " written off. ". I do not have the car, haven't had it since XX/XX/XXXX, I have no idea where the car is even at. Can Wells Fargo really do what they did? I have fealt cheated and lied to, not to mention feeling used, played and belittled by Wells Fargo and it's employees.
Product: Student loan

I continued to make payments throughout XXXX on my student loan of XXXX. I called in to Great Lakes Higher Education Corporation my Student Loan service provider to have my payments toward my XXXXXXXX XXXX refunded to me on XX/XX/XXXX. I was informed by rep that the request would be process within a week or 2. When I noticed 2 weeks go by I called in. Then the information changed to that it could be up to 30 days to process refund. I emailed Great Lakes again on XX/XX/XXXX and received an email back on XX/XX/XXXX that now I will would not receive until 45 to 60 days. Each time I have contacted them the date continues to be pushed back. I have been waiting for over 37 days now. I have recently been impacted by Hurricane Ian and this refund will help resolve some of the financial hardships I am going through. Thank you for any help with this
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  approved my forbearance due to COVID-19, and in XX/XX/2021, XXXX XXXX  approved deferment option. At the same time, they reported to credit bureau of been OVER 180 days late. I tried to contact XXXX XXXX several time and the customer service rep kept lying to me about the situation.I requested to talk to supervisor, but they'll not let me talk to the supervisor. I requested a call back but no one ever called me back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I hope this letter finds you well. I am writing to request your assistance in correcting the personal information on my credit report. I recently obtained a copy of my credit report and noticed that some of my personal information, specifically my address, is inaccurate. To ensure the proper handling of my personal and financial information, I kindly request that my correct address be updated on my credit report. 

For your reference, my personal information is as follows : Full Name : XXXX XXXX XXXX Date of Birth : XXXX Social Security Number : XXXX Correct Information : Address : XXXX XXXX XXXX XXXX XXXX 
City, State, Zip Code : XXXX XXXX, LA XXXX Please find enclosed a copy of my driver 's license/utility bill/lease agreement as proof of my correct address. I request that you update my credit report with the correct information and remove the incorrect information. Additionally, I kindly ask that you send me a confirmation letter once this update has been made to ensure that my records are accurate. 

I understand that errors may occasionally occur in credit reports and appreciate your prompt attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me at [ Your Email Address ] or [ Your Phone Number ]. 

Thank you for your assistance in resolving this issue. I look forward to receiving your confirmation letter. 

Sincerely, XXXX XXXX Enclosures : Proof of correct address ( driver 's license/utility bill/lease agreement )
Product: Debt collection

I viewed my credit report and noticed that there are fraudulent accounts. This was not sent in error. I am consumer by law and my information was misused. Unauthorized use of my credit report, identity theft. Here are the details of the said inaccurate accounts, company name, balance & date last reported : U S DEPT OF EDXXXX / {$3000.00} / XX/XX/2022 U S DEPT OF EDXXXX XXXX {$6000.00} XXXX XX/XX/2022 U S DEPT OF ED/XXXX  / {$8300.00} XXXX XX/XX/2022 U S DEPT OF EDXXXX / {$6100.00} / XX/XX/2022 U S DEPT OF ED/XXXX XXXX {$2500.00} XXXX XX/XX/2022 U S DEPT OF ED/XXXX / {$5000.00} XXXX XX/XX/2022 U S DEPT OF ED/XXXX / {$3900.00} / XX/XX/2022 U S DEPT OF EDXXXX XXXX {$2500.00} / XX/XX/2022 U S DEPT OF EDXXXX XXXX {$6200.00} XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

Im reaching out because Ive had enough of the constant errors on my report. These inaccuracies are dragging my score down, and its costing me real opportunities
Product: Mortgage

On XXXX I applied for a XXXX mortgage at Ally and in order to lock in the rate at XXXX for which I was " pre-approved '' I had to pay the {$550.00} to lock in the rate. I did pay the {$550.00} and from that point on Ally was not telling me the truth based on the " pre-approval. I want to start off saying that my credit score averaged XXXX which is over the requirement. Ally did not accept my third quarter Profit and Loss statement so I went to my book keeper who provided XXXX XXXX which showed a monthly income of {$4100.00}. On the P/L my XXXX draw was shown as Outside Services for which the business pays me the monthly officeXXXX draw of {$1000.00}. Ally NEVER counted that as my income. Also I explained to Ally that the cards with the large balances were my fathers. On Thursday XX/XX/XXXX XXXX XXXX instructed me to pay off the {$5000.00} balance so that they would show XXXX so I could still lock in my rate. On Monday XX/XX/XXXX when I kept showing proof to XXXX that my cards were paid she insisted I have to have the screen shot of the cards. I told her that I paid them on Friday the XXXX so they didn't post yet. Ally played the bait and switch trick because every step that I followed so I could get approved was not working. I spent {$5000.00} only to be told that I didn't qualify for XXXX yr and that I would need to get a XXXX with a by down of {$3300.00} for 2.65 %. I emailed at XXXX on Tuesday the XXXX to XXXX that I'm withdrawing my application and I want my {$550.00} back. XXXX replied no problem. since they were dishonest with the credit card debt and not including the {$1000.00} per month on my officer 's draw. Ally emails me at XXXX on the XXXX that I was denied. I wasn't denied I withdrew and they STILL did not refund my money. Ally makes customers pay up front to lock in a fake rate they will never give. In addition, I followed the instructions of XXXX to pay off my credit cards and spent {$5000.00} dollars only to be told " Sorry I told you to do that. '' Then XXXX tells me she can't tell me the reasons because she is to allowed and not licensed in my State of XXXX  why would she be paired with me if she can not relay the information from the underwriter. The underwriters are not trying to approve at the rate Ally tells you will get and then they will switch it to another one where you will buy points down. This cost me a lot of money and they could not calculate a debt to income ratio. I was told " I can not explain how we figure that out. '' Please never use Ally they are dishonest and plan on selling your loan to another servicer. Save your {$550.00} for a more honest place. Do not use Ally.
Product: Credit card or prepaid card

On XX/XX/XXXX and XXXX, I found out that I have 2 cards that can't be used and can't check the balance. I called the customer and asked what was wrong with my card. They told me that they locked my card and will Replace a new card for me, I called them on XX/XX/XXXX, and told me that I will receive new cards on XX/XX/XXXX and XXXX, respectively, a {$500.00} card ending in XXXX, and {$300.00} card that ends in XXXX, but I didn't receive it until today, I found out that they sent the card to a wrong address, XXXX XXXX XXXX XXXX XXXX, there is a small error in this address, the correct one is XXXX XXXX XXXX XXXX XXXX, I asked to resend me to the correct address, or change the two replacement cards to the correct address, but they refused me, gave me the case number and kept me waiting, I have been waiting for half a month Didn't receive my card, and asked me to continue to wait, and asked me to upload my privacy documents, the gift card is originally an anonymous shopping card, even though I uploaded my purchase receipt, I didn't get a reply from them as soon as possible, I'm so helpless, I don't want to lose XXXX dollars, this is my family 's money to buy food, I've waited too long, please help case number is XXXX and XXXX yesterday I call back and told me I will received the new card this week, but They cheat me Again and today another person told me to wait and send my ducument. I sent so many times. 
one card I have receipt and another one I haven't receipt because it is gift my friend sent to me
Product: Checking or savings account

ON XX/XX/18 I ANSWERED TO A XXXX AD THAT WAS ADVERTISING FOR WORK. A MALE NAME XXXX ANSWERED ME AND STATED THE FOLLOWING TO ME, I WORK WITH XXXX XXXX XXXX. WITHIN THE LAST YEAR A PRIVATE MONEY ORDER COMPANY HAS BEEN TRYING TO TEST AND IMPROVE THEIR MONEY ORDERS. THE OVERALL GOAL IS FOR THE MONEY ORDERS TO CLEAR WITHIN HOURS INSTEAD OF DAYS. EVERY TIME I HELP TO TEST THEIR MONEY ORDERS, XXXX GET PAID. XXXX FURTHER STATED THAT ALL I HAD TO DO IS WITHDRAW WHAT I DEPOSIT AND ASKED WHAT BANK I WAS WITH AND WOULD I BE WILLING TO OPEN AN ACCOUNT FOR IT WITH TD BANK AND THEY WOULD PAY THE OPENING FEES AND AND THAT I CAN EARN {$1000.00} PER WEEK. I STATED THAT I WILL GAVE XXXX THE BANK INFORMATION AND MY HOME ADDRESS AND FOR IT TO BE DEPOSITED. XXXX TOLD ME TO MAKE SURE I GOT A MOBILE BANKING ACCOUNT TOO AND THEN ASKED FOR THE ACCOUNT NUMBER AND ALL MY PERSONAL INFORMATION. I STATED THAT I SAW THAT A CHECK WAS DEPOSITED AS PROMISED INTO MY ACCOUNT, FOR {$3400.00}, SO I BELIEVED XXXX.. SHORTLY AFTER THE DEPOSITED, {$3200.00} WAS WITHDRAWN FROM MY ACCOUNT. I TRIED TO GET IN TOUCH WITH XXXX AND EXPLAINED WHATS WAS GOING ON AND XXXX DIDN'T RESPONSE BACK TO ME. I SENT HIM SEVERAL TEXT MESSAGES STATED THAT I DID NOT WANT TO BE INVOLVED IN BAD SITUATION LIKE THIS FOR MY FINANCIAL FUTURE. I ATTEMPTED TO GET IN TOUCH WITH XXXX SEVERAL TIME WITH NEGATIVE RESULTS.. TD BANK WAS ADVISTED TO MAKE A POLICE REPORT. I WAS ADVISED THAT A REPORT WAS DONE AND IS ON FILE WITH THE ( XXXX POLICE DEPARTMENT ) IN XXXX MA,XXXX ( XXXX ) XXXX.
Product: Vehicle loan or lease

ON XXXX I PAID ONE MAIN FIANCIAL XXXX XXXX OFFICE OTHER HALF MYMONTHLY PAYMENT THAT TOTALS XXXX $ $ MONTH I PAID XXXX THEY PUT XXXX $ TOWARD MY ACTT XXXX XXXX WENT TOO INTREST I HAVE NOT PAID ANOTHER PTYMT AFTER THAT DATE IVE TOLD THEM COME GET XXXX XXXXXXXX XXXX IM DONE WITH THE HIGH INTREST ILL BE DEAD BEFORE THE BALL PAID OFF I CAN NO LONGER PAY THIS CAR NOTE COME GET IT SELL AT ACTION PLS NO RESPONSE
Product: Credit reporting, credit repair services, or other personal consumer reports

account incorrect Last Payment made, also incorrect balance amount I request to remove this account from my credit report. experian credit bureau does Not help me to solve this problem I called experian credit bureau more than 5 times without clear explanation from customer services representative about wrong balance and last wrong payment made, experian credit bureau does not corporate with me.