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

I have been looking at my credit reports and i have been seeing a lot of fraudulent activity. 
On XX/XX/XXXX XXXX XXXX XXXX was opened on my credit with a fraudulent balance of {$20000.00}. XXXXXXXX XXXX XXXXXXXX was opened on XX/XX/XXXX with a fraudulent balance of {$12000.00}. A XXXX XXXX XXXX  was opened on XX/XX/XXXX with a fraudulent balance of {$500.00}. To continue there was also a XXXX XXXX account listed on my credit report that is not mine! The balance of the XXXX XXXX is {$1200.00}. The last fraudulent account is a XXXX XXXX XXXX that was opened on XX/XX/XXXX with a balance of {$580.00}.
Product: Payday loan, title loan, or personal loan

-- i needed a loan and was approved for {$1000.00} at {$280.00} a month for 9 months as i was told over the phone -- -- i knew this was excessive but i had an emergency and need funds quickly -- -- -- -now the company is taking {$230.00} every two weeks for 18 weeks -- this is an insane amount of money for such a small loan and i feel i was taken advantage of -- -and lied to on the phone -- i need help -- i have XXXX   children in colledge and i dont know what to do -- -- -I recieved the  funds on XX/XX/2019 {$260.00} with drawn from my account on XX/XX/2019 -- only {$4.00} towards principal {$280.00} withdrawn from my account on XX/XX/2019 -- only XXXX towards principal {$280.00} withdrawn from my account on XX/XX/2019 -- -only {$5.00} towards principal
Product: Credit card

I have victim of a misrepresentation of some kind, someone open an account on the bellow company, never made a payment and a year later was when I realized it. 
XXXX XXXX XXXX Account XXXX. 
XXXX. XX/XX/XXXX XXXX POTENTIALLY NEGATIVE MONTHS Account charged off. {$8500.00} written off. {$8500.00} past due as of XX/XX/XXXX. 
I called the company they told me that they will take care that, no need for any other steps from my part. But never got resolved. Now I disputing this with the Credit Bureau to removed this as soon as posible. 
Best Regards XXXX XXXX
Product: Mortgage

I made a payment in the amount of {$1000.00} on XX/XX/year>, and the total payment was applied to principal. I had to call/send email for it to be corrected. If fact, XXXX said that I have to call every month to have it corrected if payment didn't come on or after the 1st of the month. Then I threatened to file another report with the CFPB. So this time with XXXXXXXX XXXX payment of {$1000.00}, which arrived XX/XX/XXXX, PennyMac applied the payment as 2 regular payments {$480.00} and {$29.00} toward principal reduction, leaving the principal balance higher than it should be. 

This is absurd! What's going on with this company? It was so good at applying payments in the past.
Product: Debt collection

XX/XX/2021 {$400.00} was paid in full Balanced Healthcare Receivables try to collect and try to intimidate whit collection. 
I attach the receipt.
Product: Checking or savings account

My Checking Account overdrawn and they charge me {$35.00} 5 times. or {$170.00} for and overdraft of {$750.00}. 
They are now charging per transaction so they can charge 25 % of the overdrawn amount for covering the overdraft for 3 days. This is predatory lending. I had a {$21.00} transaction and they charge me {$35.00} for it in the very same overdraft cycle of 3 days. 

Wells Fargo XXXX # XXXX Wells Fargo Call # XXXX
Product: Debt collection

I have repeatedly requested proof of this medical debt being mine but the address wasnt mine, I didnt have a child at that hospital, and I lived in a different state at the time the claimed services were provided. They wont send me any proof with an actual signature and I sent a copy of my lease at the time they claim I had services. I was also sent a full copy of the persons medical information which is a violation of HIPPA. They have multiple collections on my report and refuse to remove any of them and theyre charging interest on it so its hurting my score more and more. I have gone 3 or four rounds with these people.
Product: Credit reporting or other personal consumer reports

I have recently reviewed my credit report and I have noticed several late payments on XXXX XXXX XXXX XXXX XXXX XXXX According to the Fair Credit Reporting Act 15 USC 1666b -A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. According to the the Fair Credit Reporting Act 15 USC 1681i ( 2 ) ( A ) ( i ) -report containing information solely as to transactions or experiences between the consumer and the person making the report ; According to the Fair Credit Reporting Act 15 USC 1681s-2 ( a ) ( 1 ) ( F ) - The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the XXXX XXXX XXXX XXXX XXXX XXXX pandemic during the covered period.
Product: Credit reporting or other personal consumer reports

It has recently come to my attention that an account the CKS PRIME INVESTMENTS has been collected illegally due to not having a licence to collect in the state of texas. This account has been disputed multiple times and nothing has been done to delete this account from my current credit report. My current credit report is being negatively impacted by this and i urge you to reinvestigate this account and delete to become current. 

YOU MUST PROVIDE ME WITH THE PURCHASE AGREEMENT AND PROVE THE TRAIL OF PURCHASE. If this can not be provided to me this account must be DELETED from my credit report!
Product: Credit reporting, credit repair services, or other personal consumer reports

As you can see I have been paying the account consistently on the due date through auto pay for 3 years since the balance was incurred. 
On XX/XX/2021 I called to pay the account off in full. I made payment over the phone with a representative to pay off the account. I was told the balance at that tie was XXXX. I paid over the phone what the representative on the phone told me was the balance, which was XXXX. Whomever took the payment over the phone made a mistake with the balance due, or was confused about the due date. I suspect she was looking at the wrong month/balance and /or typed in the payment to be debited on XX/XX/2021 as oppossed to XX/XX/2021 and also rounded the amount to XXXX. Why after years of paying on the account would I miss a payment and pay a different amount than what I have been paying for years. 
I assumed the account was paid off. I did recevie correspeondence regarding this, but assumed it was in error because I had called and paid off the balance. 
I have since paid 3 late fees over this mistake and it has cost me a negatie credit report. 
Considering my payment history and the fact that a mistake has occurred on your end, I am asking that the late fees be returned and the negative reporting be reversed.
Product: Mortgage

I filed for bankruptcy in XXXX and all my debts were discharged in XXXX. The property at XXXX XXXX XXXX, XXXX XXXX, IN. XXXX was not reaffirmed during this process. I have continued to pay the property taxes and maintain the home. I discussed with loan officer # XXXX and he explained to me that the mortgage was written-off by the mortgage company Ocwen over a year and half ago. I requested the documentation that supports that this lien has been satisfied through the write-off process. To date I have not received the documentation. I started asking about this over a month ago and i got no where. 

Loan number is XXXX The loan officer 's number is XXXX. He stated that he would contact me with updates had not received a return to call so I called back myself and still got nowhere in the process. I need assistance to clear up this matter.
Product: Debt collection

ON XXXX XXXX 2016 I SUBMITTED AN OFFICIAL CHECK REQUEST ONLINE TO XXXX FOR XXXX $ TO BE MAILED TO PAYPAL CREDIT. THE CHECK WAS MAILED ON THE SAME DAY AND CASHED BY PAYPAL CREDIT AROUND XXXX XXXX 2016. I WAS FAXED A COPY OF BOTH SIDES OF THE CHECK THAT WAS MAILED FROM XXXX. IVE HAD XXXX CHECK RESEARCH REQUESTS SUBMITTED AND " COMPLETED '' BY PAYPAL AND THE XXXX $ HAS NOT BEEN APPLIED TO MY ACCOUNT BALANCE. I 'M CONTINUING TO COMMUNICATE MY ISSUE WITH THE COMPANY AS THIS TIME, AND WILL ALSO BE REPORTING PAYPAL TO THE XXXX. I HAVE CLOSED MY PAYPAL ACCOUNT AND WILL PAY THE REMAINING BALANCE DUE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts. I think this is from my identity being stolen a few years ago.
Product: Credit reporting or other personal consumer reports

Re : Complaint Regarding XXXX Data Breach and Violation of Consumer Protection Laws Dear Consumer Financial Protection Bureau, I am filing this formal complaint against XXXX XXXX XXXX regarding its failure to protect consumer data, resulting in the massive XXXX  data breach, which exposed sensitive personal information, including names, Social Security numbers, birth dates, addresses, and in some cases, drivers license numbers. Despite the passage of time, XXXX continues to mishandle consumer data and fails to provide sufficient remedies to affected individuals like myself. 
Facts of the Complaint Exposure of Personal Data : As a result of the XXXX breach, my personal information was exposed to unauthorized third parties without my consent. 
Failure to Notify in a Timely Manner : XXXX failed to notify affected consumers, including myself, in a timely and transparent manner, violating legal standards under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Inadequate Remediation : The remedies offered, such as free credit monitoring, are insufficient to mitigate the long-term risks of identity theft and fraud.

Failure to Maintain Reasonable Security Practices : XXXX violated the XXXX XXXX XXXX XXXX XXXX, 15 U.S.C. 6801 ( b ), which requires financial institutions to protect the security and confidentiality of customer data. 
Ongoing Harm : Despite corrective measures, I have experienced fraudulent activity and credit issues as a direct consequence of the breach. 
Legal Violations Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

1681b : XXXX failed to properly restrict access to consumer information. 
1681e : XXXX failed to implement adequate procedures to ensure consumer file accuracy and security. 
XXXX XXXX ( XXXX ), 15 U.S.C. 6801 et seq.

6801 ( b ) : XXXX failed to implement safeguards to ensure the security of sensitive consumer data. 
Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531 et seq.

5531 ( a ) : XXXX engaged in unfair, deceptive, and abusive acts or practices ( UDAAPs ) by failing to disclose the breach promptly and misleading consumers about their security measures. 
Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 ( a ) XXXX engaged in unfair and deceptive trade practices by failing to protect consumer data and not adequately notifying affected consumers.
Product: Credit reporting or other personal consumer reports

My personal information was involved in a data breach with equifax and with XXXX  XXXX in XXXX  and there are credit card accounts on my credit report that do not belong to me. I did not open the accounts that are being reported to XXXX, Equifax, and XXXX. I the credit card accounts are XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX billing cycle ends & starts on the XXXX of each month, however the bill is due on the first so when I made a payment in 1 month & then made the payment the next month its shows I made 2 payments in 1 month I called XXXX & they said I have no late payments and told me to start making the payments after the XXXX of each month - this is on my credit report as derogatory ( 30days past due ) when I talk to the representative @ XXXX  they figured out what happened by me making the payments on the XXXX of each month - the payment is {$74.00} - however I have been paying {$140.00} each month to pay it off in 3 yrs instead of 7yrs ( the representative @ XXXX says I have no 30day past due payments ) I dont understand how this is showing up on my credit as a negative there contact phone # is XXXX ext XXXX and the account number is XXXX can you please fix the inaccurate negative mark off of my credit report- thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2020, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting on my account : XXXX ( Original Creditor : XXXX XXXX XXXX OF XXXX XXXX ) XXXX {$330.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, The list of accounts Below have violated my Federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX Opened XXXX {$350.00} XXXX XXXX XXXX XXXX Opened XXXX {$510.00} XXXX XXXX  Opened XXXX XXXX XXXX  error Needs attention {$2900.00} XXXX XXXX XXXX XXXX error Needs attention {$510.00} XXXX XXXX XXXX error Needs attention {$350.00} SXXXX XXXX  error 30-59 days late {$290.00} XXXX XXXX  error Needs attention {$2900.00} XXXX & XXXX XXXX error Needs attention {$510.00} XXXX XXXX XXXX error Needs attention {$350.00} XXXX XXXX error 30-59 days late {$290.00} XXXX XXXX XXXX XXXX XXXX XXXX CO All of these accounts have violated my rights, Im a US Veteran that was stuck XXXX  during the Covid Pandemic, My ex wife which I have a Police report on file, Used my and destroyed my credit, I have tried on numerous of times to get these items deleted. 

15 U.S.C 1681 602 A States I have the right to Privacy 15 U.S.C Section 604 A Section 2. It also states a consumer reporting Agency can not furnish my account, without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) 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 antiendates the report by more than 7seven years.
Product: Checking or savings account

Bank fraud unauthored charges to my checking account via my TD Bank Debit Card for approximately {$11000.00}. My bank is TD Bank, and the charges are multiple {$900.00}, {$600.00}, and {$400.00} charges by XXXX. 
I spoke to TD Bank Customer Service in Late XX/XX/XXXX when I discovered the issue. They originally refunded the money to my checking account and informed me last week that they closed the original XXXX XXXX that caused the issue, indicating that they could mail me a new Debit card, or I could visit a local branch to obtain a new debit card. On Thursday, XXXXXXXX XXXX, I visited the TD Bank branch in XXXX, NH, to obtain the new Debit Card at that time, I had {$11000.00} in my account ( that amount included a credit for the unauthorized XXXX charges, and as a result, was able to make a fairly large purchase of groceries at the XXXX XXXX in XXXX. On Friday, XX/XX/XXXX, without my knowledge, they reversed the XXXX credit. As a result, my checking account now indicates a {$2700.00} negative balance. 
On Sunday, from about XXXX until about XXXX XXXX  I was on the phone with a TD Bank customer service representative, and the case is being reopened, However, I am not happy and would like to get a lawyer involved to possibly sue for punitive damages and to get my account credited for the unauthorized XXXX charges. 

TD Simple Checking unauthorized XXXX Charges Whatever they are selling, I didnt XXXX XXXX XXXX XXXX Account # 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 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 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Id like to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in blocking of the erroneous information which is being posted to my report. Here is the list of the account which does not belong to me or was opened without my permission. XXXX XXXX XXXX According to FCRA Section 605B ( a ) the Transunion shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I am reaching out to revisit my dispute concerning these XXXX  inquiries on my credit report, which were conducted without obtaining my explicit consent. Upon conducting a comprehensive examination of my credit file, I uncovered some unauthorized inquiries into my credit history, resulting in the inclusion of a XXXX  inquiry entries on my Equifax credit report. 

Specifically, the inquiries in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a public records on my credit report with XXXX   stating that I had bankruptcy that is being reported in error. I 've contacted the furnisher listed on my report using the address that they have reported to verify my account, but the letter returned to me as " not deliverable ''. 
I then contacted XXXX  and informed them that they are reporting erroneous information on my file. They 've responded as " verified '' and information remains. XXXX   continues to report false information. 
I 've also contacted the organization that XXXX claimed they verified the information from and they have not responded to me. 
This is very damaging to my credit and I I demand this furnisher be removed from my file that they are reporting. It is hurting my credit. I get no verification authenticating that this account belongs to me. 
I 've attached my initial letter I 've sent XXXX  along with the response they 've given me of my dispute. It does not makes sense to me to keep information in my file that do not belong to me nor if I ca n't verify with the furnisher of validation that this account does indeed belong to me.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The XXXX findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX is not reporting my monthly payments. I need my payments to report. This affecting my credit reporting. I have a auto loan through XXXX.
Product: Credit reporting or other personal consumer reports

I am being discriminated against and retaliated against when I file complaints. My score was corrected then the length of my credit history was taken down to 3 years.
Product: Checking or savings account

I am an XXXX  and have had my business accounts with Chase for years ( business checking, savings, and client trust account ) as well as my personal account with Chase ( checking ). 

A few months ago, out of no where, Chase told me they were closing ALL accounts ( business and personal ) and would not tell me why or give me any opportunity to even know why. 

They further told me they cant telll me if or when theyll give me my funds. Its about XXXX in total. And its all the money I have to my name. 

So for months now I havent been able to pay any bills, or my mortgage. My house is going to be foreclosed on. My credit score ( which dad literally perfect ) has dropped like XXXX points. 

I get XXXX calls a day now from debt collectors. Im going to be XXXX. I was supposed to get married this year and now cant obviously. 

I did NOTHING to deserve this. Nothing illegal. Northing fraudulent. Im just at a total loss of what to do and at this point my life isnt even worth living. Theyve taken everything from me and for what?!!! 

They wont even tell me the reason..
Product: Debt collection

i received a letter from Rubin & Rothman LLC claiming i own {$12000.00} from an account that i haven't use for 4 years since i lost my job back in 2017. this account its been close and i don't even have access to it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Once again I discovered that one particular account on my credit report was incorrect when I reviewed it. I sent a letter previously to verify the misleading account and here I m again to complain again in order to verify this account Here is the aforementioned account : XXXX XXXX Balance : {$11000.00}