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

Experian and XXXX  are reporting incorrectly that I am ( 120 ) days late on the XXXX/XXXX  partial account numbers XXXX ; XXXX ; XXXX and XXXX, as well as reporting completely inaccurate balances due. ( Please see pages attached from my credit report. ) There isnt an outstanding balance due on these accounts. I have attached a copy of the post from the Consumer Financial Protection Bureau stating that the student-loan servicing company XXXX is steering borrowers toward suboptimal repayment options. The interest they are showing that is being charged is absolutely usury ; is illegal and is resulting in completely false reporting. In addition, the false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove  these however, I have not been successful.
Product: Credit reporting or other personal consumer reports

THEY ARE CONTINUING TO REPORT THIS FRAUDULENT INFORMATION EVEN AFTER BEING NOTIFIED. 

I'AM NOTIFING THE FTC THAT MY IDENTITY HAS BEEN STOLEN AND USED FOR FRAUDULENT PURPOSES.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Experian the following information that was incorrect on my credit report XXXX. XXXX XXXX XXXX Account Number XXXX Opened XX/XX/XXXX Balance {$2500.00} - THIS IS NOT MY ACCOUNT ( FRAUD ) XXXX. XXXX XXXX Account Number XXXX Opened XX/XX/XXXX Balance {$7400.00} - THIS IS NOT MY ACCOUNT ( FRAUD ) XXXX XXXX  XXXX Bank Account Number XXXX Opened XX/XX/XXXX LATE CHARGES IN XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX ARE INACCURRATE
Product: Payday loan, title loan, personal loan, or advance loan

I received an email from this lender, as I previously had a loan with them, and they were advertising a pre-screened offer for returning customers. I clicked on the link in the email to look further, not realizing until afterwards that it automatically applied for a loan, which was not the intent, nor was it disclosed that clicking the link automatically applies for a loan in your name. I was instructed later to call this lender, so I did. I let the person know that I did not intend to apply for said loan, to which he did not respond directly to. He stated I was denied, and 10 days later I received an email stating I was denied for income limitations. My income had not changed from the first loan I was approved for. There was no verification of income as there was for the first loan application. When I called to inquire why I was disqualified by my income, no information was given. In fact, I was transferred multiple times, left on hold for exorbitant wait times, and generally given the run-around. This clearly was a shortsighted attempt to cause me to get frustrated and give up. Now, today XX/XX/26, I spoke with them and moments later another denial came to my email box, as if they submitted yet another application in my name fraudulently. I suspect a lot of fraud and predatory lending practices from this company, as they are a Tribal lender and unfortunately, unregulated in a lot of their practices.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX - XXXX XXXX OF XXXX - XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ref. Complaint # XXXX : On XX/XX/18 I submitted a complaint regarding Equifax. The complaint was sent to the company on the same date. On XX/XX/18 company responded to you that their response was in progress and they would require more time to research the complaint. I was also told by a CFPB representative that the company had until XX/XX/18 to respond.As of today, XX/XX/18, I have not received and responsw from the company.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$670.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$600.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES 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: Payday loan, title loan, or personal loan

I feel loan #XXXX is a Predatory loan with Fraud fees and services and Misleading lending and incorrect Balance Owed with shark loan interest fees and Balance never goes down after payments made and to cease desist all collections
Product: Checking or savings account

On XX/XX/2019, I opened up a checking account with TD Bank. If I met certain requirements, I would receive a {$300.00} bonus. This was an offer where you needed to open the account online. When I tried, I couldnt so I called. The representative on the phone implied that I may have had an account with TD in the past ( which I didn't ), and transferred me to someone else who confirmed that Ive never had an account with TD. He then transferred me back to the department that could open the account, but also gave me the option of going in a branch and opening the account. I asked would I still be eligible for the bonus and he said yes. So I went into a branch and opened the account. I confirmed with the banker that I would be eligible for the bonus even though I was opening the account in the branch. To my understanding, the bonus was to be deposited into the account no later than 95 days after the account being opened. When I hadnt received the bonus, I called customer service and a lady said that she would email another department and to call back in a few days. She also suggested going into the branch. So I went into the branch and the banker said a manager would give me a call. I never received a call. I called customer service 1 or 2 more times and the customer service never received an email back from the lady that sent it. The last time, a representative said that the requirements were that it would be deposited to my account within 120 days of opening the account. I didn't believe it was 120 days, but I said I would wait to see what happens. Today is the 121st day and I haven't received the bonus so Im filing this complaint because I don't think I will get anywhere trying to speak with TD again.
Product: Debt collection

Subject : Disputing Information in TRS I am writing to dispute the following information that TRS not Supplied to telling me about payment they did really recived from me. 


I have paid the debt {$27.00} on after XX/XX/2022. I lost, or TRS lost the confirmation. 

I am requesting that TRS provide me information, when I really did made a payment. TRS, rep won't provide me information. I believe they had confirmation payment recived, but the rep will not provide me the information, when I mention about XX/XX/2022. 

Therefore, here is what I have for now. 
TRS XX/XX/XXXX XXXX! Payment Entered on TRS Recovery Services! - ID XXXX Confirmation from transaction made {$27.00} What information do they have? For this. 


This is all what I have of confirmation about debt been paid. Please reinvestigate this matter. Provide me info about, when I did made payment to TRS back in XX/XX/2022 XXXX. 


Sincerely, XXXX XXXX : The copies, I did recieved was lost. 
I only, have email confirmation trs. 
Transaction history from my payment.
Product: Credit card or prepaid card

JP Morgan Chase blatantly lied to both Consumer Finance Agency/Federal Trade Commission with the intent to cover up numerous violations of the Fair Credit Billing  Act. In JP Morgan Chases response to complaint XXXX it said they sent me a notice on XX/XX/2019 that said the fraud that I reported on XX/XX/2019 was under investigation. That is a complete and utter lie and I proved that to you, Consumer Complaint Commission/Federal Trade Commission, with the screenshot of my account PROVING I received NOTHING until XX/XX/2019. 

I will not stand for being lied to by a corporate entity who is supposed to have a fiduciary responsibility to protect me from fraud using THEIR CARD! If you can not hold companies accountable to compliance with the FCBA, and protect consumers like me, please tell me what government agency to contact.
Product: Debt collection

SEQUIUM ASSET SOLUTION Attempting to collect amount not owed Placed this credit collection on my credit record without any bill, notice, or past business. No documentation or notice was every given or signed/approved prior to their collection attempt. 
NOTED that the company has been reaching out to a large amount of people attempting the same scam to try and get people to pay amounts they don't owe. 
I have called the company but they do no answer and do not return calls. 
I have filed a complaint with XXXX as well to dispute the claim.
Product: Debt collection

Linebarger Noggin Blair & Sampson , LLP is a debt collector pursuant to title 15 of the United States Code. As a federally protected consumer, I am being harassed for debt which is illegal under the false claims act and 15 USC 1692. The most troubling issue concerning this matter is this fraudulent attempt to collect an alleged debt is for a parking ticket over 7 years ago which also is also defined as a violation. There are numerous violations listed in the attached document including a criminal violation of 18 USC 1341.
Product: Mortgage

XXXX of XXXX I were XXXX and missed work and later upon returning I lost my employment, I communicated to mortgage lender USBank and were greeted with forbearance program. In speaking with them i shared i am responsible for insurance and taxes. USBank representative stated they will take care of taxes to protect their own investment and shared i will need to keep insurance. Time continued and I had job challenges and continued with hardship with myself or XXXX  of my XXXX  children and XXXX difficulties but with blessing of forbearance I were able to keep bills caught up besides mortgage and property taxes. I became gainfully employed at a much better job in XX/XX/XXXX and in XXXX of XXXX I called USBank to reestablish mortgage payment and were given three options.

# 1 pay full amount of monies owed during forbearance.

# 2 pay half of monies owed and agree payment of remaining attached to mortgage payments.

# 3 wait till XXXX for forbearance to end and file XXXX to request putting monies be added to end of mortgage. 
XXXX I sent XXXX and it were denied due to incomplete. I called and gained information needed to complete XXXX. Now we are at the end of XX/XX/XXXX and I Re-Submit XXXX and mailed Certified mail. I received notification of denied due to no records of it being sent. 
I then Call and am told XXXX XXXX to them, XX/XX/XXXX I did so and USBank stated not received. 
I XXXX XXXX to XXXX Indiana to USBank facility and loan officer emails XXXX. This were denied due to bank statements too old. 
I drive back to XXXX and XXXX XXXX with updated bank statements and this were accepted XX/XX/XXXX. I call numerous times and speak asking info and typically transferred or drop call and continue to follow up on XXXX. 
I get a call from USBank on XXXX  XXXX telling me I have two choices # XXXX pay XXXX in full by XX/XX/XXXX # XXXX short sell. 
I am baffled. I have had hardship after hardship and kept in communication with USBank. I am a single father of twins in school and have become injured at work and needed two XXXX  with one being rather XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I know the monies are my responsibility but if put at end of mortgage I would have no issues. I am told credit report isnt good and USBank can not assist. My credit has a payed off issue from USBank credit card that is not being removed. I do have income that can meet my financial responsibilities yet USBank will not speak to me of it.
Product: Debt collection

I received a phone call from a blocked number that left a message for me to call XXXX regarding legal action against me. The company name is ARA? This is after they called my job on several extensions trying to reach me and told people that I was trying to open an account with them. After finally reaching someone, they proceeded to tell me that they in the middle of filing charges against me ( for what ). They stated my name and employer correctly but the rest of my information wrong. The young lady that answered transferred me to a supervisor that threatened that they would continue to contact my employer. Does anyone on this end have any information about this and what can I do?
Product: Debt collection

I do not believe this is even a debt I incurred they tell me that the debt was made ( XXXX ) in 2013 but it just magically appeared on my credit report this past XXXX, I never received any letters, phone calls, or any correspondence whatsoever. I only recently discovered it because of a financial transaction that I am in talks to make. I called them 3 times and they were rude and uncooperative even when I told them I was willing to take care of this ( even though I do not agree with it, just to get it gone ) if they would remove it from my credit report and they told me NO in no uncertain terms each and every time I phoned even speaking with a supervisor. my financial advisor recommended that I reach out to you so that you may possibly get this right. again I reiterate I NEVER had a chance to even settle this because I never even knew it existed
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX Account # 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 a account without my written instructions
Product: Mortgage

After receiving a pay cut from my last employer, my wife and I started having financial hardships trying to make payments on all of our current debts. Eventually, we had to place our home up for sale. We had both a XXXX and XXXX mortgage against the house. Once we listed it for sale we had to reduce the asking price trying to get the house sold. The final asking price was accepted and would turn the house in to a short sale situation. Our realtor and our settlement attorney have been working together with both mortgage holders to secure the short sale and get this process completed. Specialized Loan Services ( SLS ) has been very demanding and has turned the situation in to a nightmare for us. The new buyers are still hanging in there but every time my attorney tries to push forward we are constantly being asked to provide additional information, updated contracts and various other documents that have greatly delayed the short sale process. This continued poor service with delays and unreasonable demands are putting my wife and I in danger of being foreclosed rather than both mortgage holders working together with my attorney to process the short sale of the house. My attorney resides and works in Maryland and has worked with several banks, sellers and buyers to accomplish the short sale process. She knows what is legally needed and what are the acceptable documents required to facilitate a short sale. Haggling over listing agreement dates when there is a valid contract in place is not something legally required, but is being used as another delay tactic. I 'm not sure why this process is taking so much time and effort on so many people when there is a seller, buyer, accepted contract, a realtor and an attorney all working together to complete the sale of our house and a mortgage holder that had drawn this process out to an absurd amount of time.
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 of 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 tracking these transactions was unfeasible.The CFPBs 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.This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these accounts and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

Over the past few months Macy 's credit reportedly made several updates to their mobile application. In XXXX 2015 I submitted my monthly payment through the mobile app, however the app did n't process the payment and my account was put into past due status and I was charged a finance charge and late fee. I called into Macy 's credit card services and spoke with a representative and my account status was changed to correctly show that I was in good standing and the finance charges and late fees were credited to my account. I was assured that the mobile updates were working and I would n't have any issues with payments in the future. In XXXX 2015 I again submitted my payment through the Macy 's mobile app. On XXXX/XXXX/15 I attempted to make a purchase inside a Macy 's store and my card was declined with a past due status. I spoke with a Macy 's credit services supervisor and she noted on my account that this is the second time my payment was not processed when using the app, and she credited my account the late fee and finance charges. Not only was this embarrassing, but I am concerned that Macy 's credit is reporting past due status on my credit report when the fault is with their application.
Product: Credit card or prepaid card

XXXX Have a sales rep from Discover til me to open Business Discover Card as it's better for business owners. I said I have great credit and confirmed it will not be reported on personal and is true Business Card reported on my ein. The rep said it would not. 2 weeks I see my credit has gone down from XXXX to XXXX XXXX Inform Discover Business its being reported on my personal and new rep states he is not aware of how that works and I let it go XX/XX/XXXX *Discover Business account has log in problems and balances do not seem accurate Call Discover Business to ask XXXX released deposit hold and no charges were made from them. Rep confirms no charges are on from XXXX XXXX Call to confirm no charges were placed from XXXX. XXXX says no charges were placed XX/XX/XXXX I finally able to log-in and see had transaction from XXXX for XXXX placed which was mistake as Insurance had paid them directly, Call Discover to start dispute XXXX Call Discover to confirm on dispute for XXXX double billing and and to open dispute for merchant that had gotten me sick from health code violations. 
-Discover rep is constant giving me misleading info and ask to speak with his XXXX. He continues to argue and tell him I am sick ask him please to pass me to his supervisor as it's difficultfor me to talk. He keeps me on hold for long periods of time and we get into argument. 
XXXX After getting no help and being misled, Call Discover Baxk to ask about my current balance for payoff and now getting different answers conflicting and ask to speak with supervisor for commutation of many direct matters from misleading sales reps, in accurate information, log in issues. I said this is illegal and as consumer and shareholder of 4 years demand a call back from executive office. 

XXXX Get letter with no warrant outside I was being rude that Discover is closing both my accounts. I speak with someone finally in executive office and the investigator has no facts or knowledge of what actually transpired. I let them know I been great customer of consumer card and was misled into signing up for Discover Business and the reps in Discover Business are very unknowledgable and often contradicting what another reps says. I signed up for Discover Business to help my business not only did effect credit as consumer but never get honest answer. I have had many credit cards including Discover Consumer and never been misled to this degree. Them closing both my accounts will only damage my credit and in statements made by rep feel this is retaliatory against my credit and grounds for defamation. If I did not have near perfect score and looking to buy house and feel this threat and illegal as credit card and bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, XXXX IXXXX # XXXX, XXXX XXXX # XXXX, XXXX 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 a account without my written instructions
Product: Credit card or prepaid card

My credit card was charged for things I did not purchase. A large number of the charges are listed as being from XXXX. I don't have an XXXX XXXX account. In fact, I have no payment arrangement with XXXX whatsoever. I called the number listed for XXXX several times, but each time, either it says call back, or puts me into a phone tree. The phone tree always returns me to the a menu I have been on before. In other words, it puts me in an infinite loop. No wonder the original address of XXXX Headquarters was 1Infinite Loop. 

Another charge was from XXXX. I don't even own a a XXXX. 

There is also a billing for XXXX XXXX. I did originally subscribe to XXXX XXXX, but quickly rescinded my subscription. 

When I disputed these charges, I got a message saying they would contact me if they needed additional information. Of course they never contacted me. Finally they said the dispute had been resolved by refunding XXXX dollars and some cents on the XXXX billing of {$42.00}, {$26.00}, and {$10.00}.
Product: Debt collection

Bank of America checking account says I owe XXXX Im not aware of. Says something dealing with a fraud but they say I have to pay. Im trying to open account with a different bank and I cant because of this.