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

There is a collection on my credit report, the collection agency is I C system for the amount of {$160.00}. It says the supposed account was opened on XX/XX/2020 and it says the original creditor is XXXX XXXX XXXX. I have disputed this claim, but to no avail. Pursuant to 15 USC -1681b I am requesting the form and/or proof of permissible purpose as to how and why any of the the following persons : I C system, XXXX XXXX XXXX, and XXXX, are able to make derogatory reporting to my credit without my written consent? This is a clear violation of the US code and I consider it as identity thief. These private companies posing as fake " bureaus '' have been tricking consumers for years and profiting off their lack of knowledge and the misinformation we have been led to believe. I demand this collection be removed from my credit post haste. Not only is this a violation of the US code, furthermore since I never entered into any agreement or contract with I C system there is no debt or obligation to pay.
Product: Money transfer, virtual currency, or money service

In writing for formally express my concerns regarding Zelles handling of disputes. In light of the recent CFPB lawsuit highlighting significant Issues with the platform. Despite using Zelle multiple times and reporting discrepancies My financial institution is Zelle failed to Investigate my claims adequately. They informed me that recovering lost funds were impossible and track and these transactions were unfeasible. The CFPB findings Indicate that Zelle Has not only neglected to protect the customers But it has also allowed repeated offenders to exploit The system leaving users is vulnerable to scams. The lack of accountability and transparency is Unacceptable and raises serious concerns about consumer safety.
Product: Money transfer, virtual currency, or money service

I sent four payments starting on XX/XX/XXXX via PayPal. This was on behalf of XXXX XXXX  with the promise that I would be paid money that was in my account. Their domain was XXXX In total I paid over {$40000.00} to XXXX XXXX. I have a copy of all correspondence with them as well. Their website was XXXX, but reopened with a different domain. I sent them money through crypto, so it is unlikely that money can be recovered. The new site, XXXX, has asked for another {$1500.00} with the promise I would be paid {$100000.00}. I have not paid the new site any money. That domain is still active. Additional money was sent through PayPal, which is what I am specifically referencing here. First were three payments of {$950.00} to email address XXXX. Second was a payment of {$2300.00} on XX/XX/XXXX to email address XXXX. I never got any money and was unable to resolve this through PayPal. I have attempted to request the money back from the users, but have not been able to. The email address XXXX has cancelled my request several times. The other email address has failed to respond. PayPal will also not let me send a secure message to the users through the site. If if it possible to recover the other funds, I can provide any and all documentation regarding promises made about payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX  data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$46000.00} XXXX XXXXXXXX Balance : {$5000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I made on XX/XX/year> {$920.00} payment to my credit card payment from my credit union account. There was a glitch with my credit union that caused the payment to be returned. 

I called Barclay 's and they advised me to get a letter from my credit union and they would refund the return payment fee. I obtained the letter from the credit union showing I had sufficent funds in my account and the return was an error on their side. Barclays said they wouldn't accept the letter and they issued a {$30.00} statement credit. 

Since then, every payment I have made has been placed on hold. Money has been debited from my bank account where it was earning interest, sent to Barclays and put on hold for 7 business days without earning interest and without being available for me to use on my credit card. 

I've called in several times and even had Barclay 's call my bank to verify the money has cleared and they continue to keep my money on hold and not allow me access to use the available funds on my credit card. 

If Barclays is going to debit my account and hold my money, in excess of thousands of dollars, I should be able to earn interest while the money is in a pending status due to their payment holds or the money should be available for me to use on my credit card. 

I have been an outstanding customer of Barclays for many years and this is the first instance of ever having a returned payment for a very low amount considering the amount of money I charge on my credit card. 

I've been met with very little to no customer service to try and rectify this issue or allow me access to use the money on my credit card.
Product: Debt collection

In XX/XX/XXXX I received a call about a bill I owed for a stay in a care facility over a year prior. I referred the caller to my attorney handling the case. They never contacted them. In XX/XX/XXXX they placed approximately XXXX collection items on my credit report. I was able to get some deleted. XXXX still remains. On XX/XX/XXXX, they began to call again. They refuse to validate the debt. According to the original provider indicated I never had a balance with them
Product: Money transfer, virtual currency, or money service

I'm trying to add money to my XXXX XXXX account and it will not link my account keeps kicking it out. And I tryed login in and adding and manually adding my account and it's very frustrating because ethe stocks keep rising and I cant add no money please fix thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke to XXXX XXXX XXXX,XX/XX/2020/. She was completely rude. I paid a debt back in XXXX in which I did not validate the debt was mine but just wanted to do the things necessary to get a home. I found out they were reporting that I owe them so I called them up had a agreement that they would delete the item if I paid {$93.00} dollars. I paid the amount and move forward today when the originator repulled my credit for it still showing. I called today and speak to Ms. XXXX when I tell her about me paying for the debt to be deleted her attitude change. She told me that they NEVER delete them. I let her know that the representative must of misinformed me. She continues to say it was her that took the payment and that she wont be going back and forth with someone about {$93.00} collection and she was about to get off and didn't have time for that low amount of a debt thats already been paid. I asked her well since you wont remove it can you prove the debt is mine she continued you over talk me and bash me about the amount and how it was so small like it was beneath her to validate that the debt is actually mine if I just paid it instead of showing proof before I paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was taken advantage of due to malpractice while several laws have been broken under the FCRA by your company. This has caused me financial injury as well as defamation of character and I haven't been able to rightfully obtain credit.
Product: Vehicle loan or lease

In 2022, I began XXXX  XXXX bankruptcy. I contacted company within a few weeks of my filing XXXX, and I asked them if I can resume car payments after my bankruptcy is XXXX and clarified if there would be any negative results because of this. They assured me, " No, sir. '' I continued to pay my payments for about a year. A year later, I asked them again to make sure because I wanted to pay the car payment amount towards my bankruptcy. They assured me there would be no problems. Within a week of my XXXX  XXXX bankruptcy discharge, I got a letter from them threatening action against me. I called them. They said I needed to pay over {$1600.00} per month for 5 months to keep my car. I agreed because I want my car. I asked them for written confirmation of our agreement. They insisted it is a verbal agreement, and they refuse to send me anything in writing. I sent them my first payment of over {$800.00}. They then reported a year 's worth of late payments to the credit bureaus. In short, they lied to me. Then, they hit my credit report. This is unfair.
Product: Student loan

I was reviewing my monthly statements on my student loans and realized that it does not appear that I have been receiving the interest rate credit for automatic payments. I am supposed to receive a .25 % discount on the interest rate of 4.560 % on my loans. I have been enrolled in auto pay for the life of both loans that I have with them. On my statements its listing my interest rate as 4.560 % and shows no discount. I called to check on this and the customer service agent confirmed that my statement should show the reduced auto pay rate and that this was just an error on the statement. I asked for an amortization schedule on this over 20 days ago and they said I should have it in 10 days. I still have not received. My latest statement also still shows the non discounted interest rate. On the quick math that I have done it does not appear that I have been receiving this discount. I requested the amortization schedule so I can accurately review.
Product: Debt collection

I received a text from XXXX XXXX stating I have a collection account derogatory, which was put on my credit profile credit account XX/XX/2024 that the account is XXXX XXXX  months old.However I never had account with this company at XXXX my credit report ( this is fraudulent ) Ive contacted XXXX XXXX and told them this is ( fraud ) account. # XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report I have found several inaccuracies. I discovered late payments on accounts for which I have always maintained timely payments. Consumer Reporting Agencies have a crucial role in accurately reporting consumer information. It is imperative that this information be reported with accuracy. I have never missed a payment on the following account for XXXX XXXX : XXXX XXXX XXXX, Account Number ( XXXX ) I am requesting a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of the payments found. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay. Dates of lates payments do not match on credit report from reporting agencies.
Product: Credit card

On XXXX XXXX I was informed of credit applications made in several stores online and in person. I contacted banks and issuers and informed them of breach. All said it would be handled. A fraud alert was put with the credit bureaus. On XX/XX/XXXX XXXX received a credit card from Home Depot and when I inquired I was told that a person applied for credit in store was approved and was able to charge over XXXX on card. As of now only Home Depot has issued a card that I know of, the other was XXXX and supposedly the application was held
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent 609 letters to company requesting proof of debt and there has been no response.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Texas XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Attention Error Team at XXXX, I am sending this to you today because I have pulled my most recent credit report and I am extremely concerned. I have done research at my end and, as you and myself are both aware, there are laws that guarantee that credit bureaus report accurate information. According to the FCRA, the information provided should be 100 % accurate, 100 % verifiable, and reported in a timely fashion. I am well aware you have 30 days to investigate and correct any errors, and I would appreciate your assistance to solve these problems. 

It is very troubling as these items are reporting as incorrect and inaccurate information. I demand that you conduct a thorough investigation for each and every mistake listed, and a complete report must be provided to me after you have completed the investigation. Your failure to comply with federal regulations is a serious violation of the Fair Credit Reporting Act and could possibly result in an investigation by the Federal Trade Commission. 

- XXXXXXXX XXXX XXXXXXXX-15 USC 1681b ( a ) ( 2 ) permissible purpose of consumer reports - No permission was given to report this! Delete and remove this from my credit report ASAP! 

XXXX XXXX 15 USC 1681b ( a ) ( 2 ) permissible purpose of consumer reports - No permission was given to report this! Delete and remove this from my credit report ASAP! 


XXXX XXXX XXXX XXXX 15 USC 1681b ( a ) ( 2 ) permissible purpose of consumer reports - No permission was given to report this! Delete and remove this from my credit report ASAP Please see the above inquiries as well.
Product: Debt collection

Today a process server showed up to a former address of mine to serve me a court summons. I have not received any notice by mail of threatened legal action and no voicemails have been left for me.
Product: Credit card or prepaid card

Payment was sent for account ending in XXXX for the amount owed at {$8100.00} via XXXX XXXX serial number ending XXXX. Payment was mailed via certified mail on XX/XX/XXXX to Capital One XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX. 
Capital One credited Account ending in XXXX {$5.00} on XXXX XXXX XXXX Return receipt was received on XX/XX/XXXX. On XX/XX/XXXX, I contacted Capital One over the phone, speaking to multiple representatives concerning the payment error, and requested they correct the amount credited to the account. I was given the address to a payment dispute center for more information. The record of said conversation is available upon request. On XX/XX/XXXX Notice of Payment Tendered Packet was sent to Capital One XXXX XXXX XXXX, XXXX, NC XXXX, and a copy of all documents was sent to headquarters in care of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX XXXX Non - Response Letter was received on XX/XX/XXXX stating unlawful account restriction. Affidavit of Fault and Opportunity to Cure ( 2nd Notice ) was sent via certified mail to headquarters in care of XXXX XXXX XXXX XXXX at XXXX XXXX XXXXXXXX XXXX, XXXX, VA XXXX on XX/XX/XXXX. Capital One refused to credit my account the correct amount valued in my Negotiable Instruments or satisfy the balance as they accepted my instruments for.
Product: Credit reporting or other personal consumer reports

All three major credit bureaus showing incorrect credit history and inquiries on my credit file. I have disputed multiple times to all three bureaus and no respond or either correction from XXXX and Equifax. 

XXXX did corrected few items from my report but no action from XXXX and Equifax. 

There is almost 100 point credit score difference between XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

GENESIS CREDIT MANAG XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX Reported that I had a collection at an apartment that I never stayed at. Collection agency has no proof that I stayed at this apartment and will not provide any proof or remove from my account. In addition, this collection agency is fraudulently raising the amount that is said that I owe every month. Collection agency will not remove fraudulent claim from my credit report.
Product: Mortgage

My husband and I have been working with XXXX XXXX, a mortgage broker, in XXXX XXXXXXXX. They found a mortgage lender for us, Stearns Lending, at a 2.5 % fixed rate for a 30 year mortgage and we were subsequently approved for the mortgage. 

XXXX XXXX ordered the appraisal on XX/XX/2021. Stearns Lending then ordered an exterior only appraisal, despite the fact that an exterior only appraisal was NOT approved through the Automated Underwriting System ( AUS ). Our understanding is that the lender plugs into the AUS and delivers the conditions based on what XXXX XXXX grants. As a result of the actions of Stearns Lending, we lost 24 days in a bogus appraisal process and the mortgage broker didn't get the exterior appraisal until 42 days after it was ordered. We lost our 2.5 % rate lock because we lost the entire month of XXXX awaiting the exterior appraisal that Stearns Lending had inexplicably ordered, which ultimately ran out the clock on our rate lock. 

The mortgage broker outlined the chain of events to the Stearns Lending account representative, who acknowledged the error, but refuses to honor our original rate. We subsequently contacted the Executive Vice President of the Wholesale Lending Division of Stearns Lending, who also refused to honor the original rate and suggested that our broker contact the account representative, which he had already done, to no avail. 

This has caused us irreparable long term financial harm since rates have now gone above 3 % and are unlikely to fall to the level that we locked in. So we are currently stuck continuing to pay hundreds more per month on our current mortgage and the lender is unwilling to honor the original rate lock of 2.5 % despite their gross negligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I am writing to dispute the recent dispute results regarding the XXXX XXXX XXXX  XXXX Installment ) account that is reported on my credit report. Simply stating the account information is accurate and updating the account in the areas where I pointed out discrepancies does not verify that the account is accurate. I have tried on numerous occasions to have this ford account deleted. In the attached letter you will clearly see that this account was charged off and sold to a debt collection agency which is in the letter. You will also see the negligence of payment balance reporting of this account as well. The last payment for this account is showing as XX/XX/XXXX according to your records. From XXXX XXXX XXXX the account payment history shows as ND No Data which clearly shows and proves erroneous reporting. The attached letter shows the outstanding balance from the debt collector as {$4500.00} but the balance being reported to the bureau {$4500.00}. This clearly shows negligence and false report which is illegal. Also, this account has been charged off since XX/XX/XXXX with a balance of {$3500.00}. Even after going to court and the balance changing to {$4200.00} on XX/XX/XXXX, this charged off accounts balance should not continuously keep increasing which again shows negligence in reporting. I want this XXXX XXXX XXXX account deleted from my credit history report immediately. False reporting is illegal and for the bureaus to stand behind these illegal activities makes them just as guilty. If this account is not deleted, I will seek legal action against XXXX, XXXX, Equifax, and XXXX XXXX XXXX for negligence and false reporting. Please provide me with an updated copy of my credit report once the investigation is complete.
Product: Credit reporting or other personal consumer reports

I am requesting Credit Bureaus to investigate my accounts in question. Specifically, I dispute the following : The accuracy of the reported balance. 
The date of the last payment. 
The account status. 
I am requesting an investigation into the accuracy and completeness of the above data for the following accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

ON XX/XX/year> I PURCHASED A LIFETIME MEMBERSHIP TO XXXX RELOCATION TOURS FOR APROXAMATELY {$530.00} WITH A VETERANS DISCOUNT ( REGULARLY {$590.00} ). 
THIS MEMBERSHIP GAVE ME ACCESS TO THE WEBSITE, XXXX XXXX, AND XXXX XXXX TO ACCESS DISCOUNTS AND CONTACTS FOR MY UPCOMING MOVE TO XXXX. ON XX/XX/XXXX, I WATCHED A XXXX XXXX BY THIS GROUP REGARDING XXXX XXXX IN XXXX. THE NEXT DAY SEVERAL VETERANS AND MYSELF WERE ON A DIFFERENT XXXX XXXX  AND WERE DISCUSSING HOW THE VIDEO WASN'T HELPFUL AND DID NOT PROVIDE ACCURATE INFORMATION. IMMEDIATELY I BEGAN GETTING THREATENING COMMENTS FROM THE XXXX XXXX TOUR OWNER AND HER EMPLOYEES. THIS XXXX  OF XXXX  WAS XXXX  FOR SEVERAL DAYS. WHEN I TRIED TO LOGIN TO MY ONLINE ACCOUNT THAT I PAID FOR LIFETIME ACCESS I FOUND MY ACCOUNT WAS BLOCKED. I TRIED TO QUESTION THE OWNER BUT HAD ALSO BEEN BLOCKED FROM THE XXXX XXXX AND XXXX XXXX. I RECEIVED A NASTY EMAIL FROM THE OWNER SAYING I HAVE BEEN BLOCKED FOR VIOLATING TERMS OF SERVICE. THERE WERE NO TERMS LISTED WHEN I PURCHASED MY MEMBERSHIP, I HAVE BEEN UNABLE TO REQUEST A REFUND BECAUSE SHE BLOCKED ME AND LIVES IN XXXX. I REQUESTED ALLY CREDIT CARD TO REFUND MY MONEY BECAUSE THIS LIFETIME MEMBERSHIP WAS BLOCKED AFTER ONLY TWO MONTHS BECAUSE I EXPRESSED AN OPINION AND THEY DID NOT LIKE IT. I ATTACHED ALL CORRESPONDENCE AND SENT NUMEROUS DOCUMENTS TO ALLY SEVERAL TIMES. I'VE SPOKEN WITH OVER A DOZEN REPRESENTATIVES AND SUPERVISORS. THEY ADVISED ME ON XX/XX/XXXX THAT MY CLAIM WAS ESCALATED AND I WOULD HAVE A RESPONSE IN 7-10 DAYS. I'VE BEEN CALLING THE LAST SEVERAL DAYS ASKING FOR A SUPERVISOR SO I COULD FIND OUT WHY THEY HAVEN'T RESPONDED. THEY TELL ME NO SUPERVISOR IS AVAILABLE AND I HAVE NOT BEEN CALLED BACK AS PROMISED. I JUST WANT MY MONEY BACK. 

THANK YOU, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is re-aging which is illegal.I disputed these account XX/XX/XXXX and on XX/XX/XXXX and multiple dates in XX/XX/XXXX because they updated the information which is still incorrect. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. MN XXXX ( XXXX ) XXXX DATE OPENED XXXX XXXX. XXXX DATE REOPENED XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. MI XXXX ( XXXX ) XXXX DATE OPENED XXXX XXXX. XXXX DATE REOPENED XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX DATE OPENED XX/XX/XXXX DATE REOPENED XXXX XXXX. XXXX