23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/year> there was a charge from XXXX for {$180.00} I disputed this transaction because first I never authorized or use this credit card with XXXX and secondly I reviewed my history with XXXX there's no such transaction amounting to that amount they sent back a letter saying it was valid how could it be valid when there was no verification done and I know for a fact there's no transaction on my part
Product: Credit reporting or other personal consumer reports

writing to formally complain about the unauthorized accounts that appear on my credit report, which were initiated without my explicit consent. Despite my multiple attempts to resolve this matter over the past four months, starting in XXXX, I have yet to receive a response or resolution from your company. This inaction is a violation of my rights under both federal and state law. Legal Basis for the Complaint : 73 P.S. 201-1 to 201-9.2 : Under Pennsylvanias Unfair Trade Practices and Consumer Protection Law, any contract or financial agreement must be supported by clear evidence of debt and a copy of the contract. The accounts and inquiries listed on my credit report do not meet these requirements, as no proof of debt or contract has been provided. Federal Credit Reporting Act ( FCRA ) : According to the FCRA, I have the right to dispute inaccurate or unauthorized information on my credit report. I have done so, and no documentation supporting the legitimacy of these accounts and inquiries has been provided within the required time frame. Failure to provide such documentation within seven days from the submission of my dispute necessitates the immediate blocking and removal of these items from my credit report. Truth in Lending Act ( TILA ) : TILA mandates transparency in all credit-related transactions. The lack of response and failure to provide requested information on these unauthorized accounts and inquiries breaches this requirement. Police Report : As required by the aforementioned regulations, I have attached a copy of the police report I filed to substantiate the fraudulent nature of these accounts and inquiries. Request for Immediate Action : I urge you to take immediate action to investigate and remove all unauthorized accounts from my credit report. US DEPT EDXXXX U S DEPT OF EDXXXX U S DEPT OF EDXXXX US DEPT ED-XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was genuinely taken aback to see incorrect accounts listed on my credit report today with no explanation. I checked my report as I normally do, only to find discrepancies that seemed to pop up out of thin air. I even refreshed the page, thinking it might be a technical issue, but the incorrect accounts remained. Because of this, Im asking for a thorough review of the documents Ive provided to ensure this never becomes an issue again.
Product: Credit reporting or other personal consumer reports

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. I'm really sick and tired of this. I'm gon na go to court. 

INQUIRIES : XXXX XX/XX/year> LATE PAYMENTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was sent a collection notice from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ) dated XX/XX/XXXX.
I spoke with a representative there on XX/XX/XXXXand set up 6 months worth of automatic payments with the understanding that these would bring my account current.
I made a note while speaking with them and they stated that they " do n't report to credit bureau '' as in this was possibly an internal collection company.
My payments were deducted as scheduled but inXX/XX/XXXX I received a collection notice from a DIFFERENT collection agency ( datedXX/XX/XXXX ) stating they are collecting a past due balance that was more than the original notice.
When I looked at my account online I found that XXXX XXXX  has been charging me a late fee each month and is now stating that the payments I was making did n't meet the minimum due and that 's why the payment is considered late, even though a payment was made on time each month.
At no point did XXXX XXXX XXXX  tell me that the payment I set up with them would n't be satisfactory to get my account back on track.
I had to set up a similar process with another creditor but once I made the agreed upon payments my account was considered up to date and back on track.
I 'm not understanding how this is legal to set up a payment arrangement but still charge a late fee each month because the minimum payment is n't met - which is the whole reason it went to collections in the first place.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told XXXX, Transunion, and XXXX to reinvestigate these account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

Both Bank of America and XXXX as public financial institutions are limiting or preventing myself and other U.S citizens ability to exercise our constitutionally protected right to bear arms and to protect ourselves. This is discrimination directed at an activity that is clearly protected by the second amendment. These companies had no issues taking tax payer money to keep their doors open, but are now slamming shut in the face of companies that make, distribute or sell these legally protected firearms.

The U.S Government when bailing these companies out determined they are too big a part of our financial system to fail. And being such a large part of that system should not allow them to choose what kind of legal business they will or will not work with.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are incorrectly reporting me as an Authorized User on XXXX partial account number XXXX. ( Please see page 9 of the attached credit report. ) I called XXXX XXXX XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX   however Equifax and XXXX have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.
Product: Credit card or prepaid card

XXXX : I opened a 24 months 0 % interest account was XXXX in XX/XX/2022 for a XXXX present I was buying. Two payments were paid directly XXXX from my bank for XXXX and XXXX and then suddenly in XXXX they stopped making the auto withdrawals. Nothing was changed with my banking and nothing was changed in the portal with them for payment. This was a glitch through their system. I was never informed that the payments were late or that the payments were stopped from withdrawal standpoint, and noticed on the account was already 60 days past due that there was an issue on their end.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I wrong Experian a letter, stated to Update / Correct my information on my credit report and the letter was notarized and sent certified mail. 

On XX/XX/2020, I received a credit report from Experian, with someone else 's personal information. 

On XX/XX/2020, I received a letter from Experian, Asking me to identify myself. 
I do on XX/XX/2020. I send out the document again. 

On XX/XX/2020, I send an Inquiry Removal Letters to Experian. I did not authorize anyone employed by these companies to make any inquiries and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Experian did not reply back to my XX/XX/2020 letter, that was sent certified mail. 

On XX/XX/2020, I send a Dispute / Complaint Department to Experian with proof of identity and certified mail. 

On XX/XX/2020, I received a letter from Experian, Asking me to identify myself again. 

On XX/XX/2020, I received the same letter from Experian, Asking me to identify myself again. 

On XX/XX/2020, I reach out to XXXX XXXX, Experian Chief Operating Officer. Expressing my issues and concerns in a certified letter. XXXX XXXX, never replies back to me. 

On XX/XX/2020, I reach out to XXXX XXXX, Experian Chief Executive Officer. Again Expressing my issues and concerns in a certified letter and send proof of identity. XXXX XXXX, never replies back to me.
Product: Payday loan, title loan, or personal loan

Took a payday loan out with castle Payday in  XXXX   XXXX   2013  ... there were hidden fees I did n't know about until after . ... Well  now 4 years later I get a call about suing me ... They threatened to serve me
Product: Debt collection

This dispute is in reference to judgment file # XXXX in the amount of {$6000.00} which was paid off XX/XX/XXXX. On that date XX/XX/XXXX I attached payment documentation along with the final payment, sent in a certified package to Frederick J Hanna & Associates. XX/XX/XXXX I talked with XXXX and he inform me that there was an outstanding balance in the amount of {$4100.00}, after talking with him for several minutes he then said the balance was {$500.00} which I told him it was incorrect and the balance was {$0.00}. XX/XX/XXXX I call their office again to see if they had corrected my account I talked with XXXX XXXX and then transferred to XXXX XXXX who informed me that they were still investigating matter, my response was that you have had over 30 days to investigate this. XX/XX/XXXX I talked with XXXX XXXX she said the balance on the account was {$120.00}. which was because of the money order dated XX/XX/XXXX could not be account for, so I call the money order company and confirmed the money order was not cashed. I call XXXX XXXX back the same day and informed him the money order had not been cashed. I also informed that the issuing company was only going to replace {$100.00} of the money order due to the age of it. She said they would absorb the {$20.00} and to just send them {$100.00} which I did XX/XX/XXXX. XX/XX/XXXX Frederick Hanna sent me a letter stating that my current balance on this account is {$3800.00}. I have all my payment receipts which total the amount owed. I would appreciate any assistance you can give to help resolve the matter.
Product: Credit card or prepaid card

As a follow up to COMPLAINT ID XXXX SUBMITTED ON XX/XX/2021, the bank didnt refund any of my overpayments ; in fact, during the investigation I was still receiving interest charges, and when I followed up with Bank of America I was advised that based on their review I should never have been credited those fees and would not be receiving future credits. This veiled threat forced me to pay back {$720.00} which according to their records was the difference between the original {$750.00} overpayments less the credits to my account since this posting mistake. 

To recap the previous issue, which can be reviewed in detail in the original complaint ( COMPLAINT ID XXXX SUBMITTED ON XX/XX/2021 ) : I overpaid my credit card right before requesting a balance transfer. The bank advised me that because the overpayment of {$570.00} could not be applied to this transaction, the only option would be to get that back. No discussion happened about the impact of the credit as a purchase. Then in XXXX I was out of the country for my grandfathers funeral and couldnt recall if I had paid my credit card so I sent a payment of an additional {$180.00} because I couldnt remember scheduling the XXXX payment. The bank refused to let me use that towards XXXX bill and offered instead, amidst the interest fees debacle, to refund the payment but ensure it was not treated as a purchaseand they not only treated it as a purchase, they incorrectly refunded the amount to hold back interest charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

In response to my previous complaint number XXXX I have attached a copy of the adverse action letter sent to me by Wells Fargo as well as my response and demand to that adverse action letter as a result of the discrimination and damage caused to me in the form of {$100000.00}.
Product: Credit reporting or other personal consumer reports

I am writing to dispute a collection account on my credit report. I have not been properly notified about these collection and there are inaccurate with how they were being reported. I demand that these collection account be investigated from my credit report. 15 U.S.C 1692c ( c ) this law clearly states : If a consumer notified a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except -- ( 1 ) to advise the consumer that the debt collector 's further efforts are being terminated ;
Product: Debt collection

When I received a letter from Universal Recovery Corporation dated on XXXX stating that I owed them money in the amount {$230.00} I then tried to negotiate and I was trying to settle a debt I allegedly owed and I sent them a letter that I was willing to negotiate and pay not the whole amount but {$150.00} ; the original creditor was from XXXX XXXX and was sold to this collection agency called Universal Recovery Corporation ; however, this agency has been harassing me calling my employer and leaving a voicemail not directly to me ; and calling my phone and my other friend multiple times leaving voicemail instead of replying back to me by mail. Today I received I letter stating that now I owed them XXXX ( please see the attached copy of the letter from Universal Recovery Corporaton and also my letter to them. Please Advise. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is failing to address and meet my demands whereas I submitted evidence and opened multiple disputes on my credit report for accounts that were compromised and opened due to identity theft. Instead of investigating which now it has been over 30 days since I contacted Transunion where I haven't heard back on any investigation results disputes or notified of anything that went on. They send me a letter pertaining to the dispute that they don't think that the information sent was from me the consumer when it was 100 % me and I provided proof of identification that the dispute was from me. Transunion is doing this to cover up and buy more time for these inaccurate, illegal reporting accounts on my report that is significantly harming me where I am unable to go for a mortgage loan in which I am currently shopping for. I need the CFPB to address this and help me Transunion already has all the documents required to get this investigation going and need the CFPB to help put pressure on Transunion to stop this illegal activity and to process these disputes so I can get these accounts that are not mine and don't belong to me off so I can get my home.
Product: Credit card or prepaid card

3 or 4 yrs ago I signed up for phone service with a company called XXXX XXXX. It was a one time charge of {$110.00} and you would have phone service for life. It never worked. I called several times, sent emails all unanswered. On the bill for my Citi Bank card dated XX/XX/XXXX-XX/XX/XXXX their is a charge for {$110.00} from XXXX XXXX that I did not authorize. In my discussion with a Citi Bank rep I said I wanted to dispute the charge but was told " since I gave them the credit card number I would have to pay it ''. The Citi rep also stated that XXXX XXXX made two attempts at a charge on XX/XX/XXXX, one of which went through, another attempt on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. As with second attempt on XX/XX/XXXX the attempts on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX were denied. So her is the question Citi could not answer. What makes the first charge on XX/XX/XXXX valid and the rest not? Also when Citi obviously recognized these were fraudulent charges why did they not reverse of stop the first charge made on XX/XX/XXXX? Lastly at no time did Citi contact me that fraudulent activity had been detected on my account. I have since closed the account.
Product: Checking or savings account

I want to file a complaint against regions bank. I'm a new struggling XXXX   XXXX  and a potential future vendor whom I didnt yet do business with yet they went ahead and charged me a lot of $ nearly {$1000.00}. I disputed it as fraud and then without notice my bank notified me that were gon na take away the provisional credit as the merchant sent proof. However upon further review I noticed the documents the merchant sent were for another business and based on the information they provided they were trying to pull a conjob on the bank and me. But lo and behold the bank simply kept saying that they sent adequate information but didnt specify and couldnt explain any legit or specific reason. Then I started to find out that a manager in their debit card claims had gotten involved which is unusual and then after a tense friday afternoon call on XX/XX/2020 where she dismissed my concerns about my sabbath I started to realize that perhaps she was being and acting XXXX. She was rude abrasive and simply hung up and was unwilling to explain anything at all to me. I filed a complaint and apparently the claim was kicked back to the same department that I complained about so of course XXXX was behind the scenes orchestrating all of this. She continues to do as we speak and blocking my ability to bring this to her manager XXXX. We have her on record and she made a personal decision instead of based off facts but now we hold regions bank responsible. Regions then with no notice simply took the funds in dispute out and bounced payments causing me fees so this is time sensitive. I may have to close my business. Please help.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, in light of of 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 claim adequately. They informed me that recovering lost funds was the impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle not only neglected to protect consumers but also has allowed repeated offenders to exploit the system, leaving users vulnerable to scams. the lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to advise I have been a victim of identity theft for the following account XXXXXXXX XXXX XXXX XXXX  XXXX hard inquiry. I did not authorize the use of my name or personal information to obtain credit loans, goods and or any other services pertaining to this report. I am requesting this fraudulent accounts be corrected as soon as possible.
Product: Mortgage

I was involved in a hit and run accident on XXXX22.My doctors advised me that I was looking at a year before I could work ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) I reached out to my mortgage company in XXXX in 2022, asking for help.I submitted an explaination letter, bank statements, and application for loan modification and or any programs I could qualify for including putting payments on the back of my loan.To date I continue to get lied to saying documents were needed or they didnt receive information on time.I started e-mailing documents while on the phone with representatives, faxing documents to have a paper trail .I have had to resubmit requests for help over and over again.I now am 6 months behind, and still not working.New persons keep getting assigned, and the same run around starts all over again. ( 5 people since XXXX2022 ) Many dont read the notes on the account.The whole thing seems like a scheme to take my house.I am getting notices about foreclosure.Im being told these notices are automatically generated.I have documentation of everything.faxes, e-mails etc.I need helpXXXX.Enough is enough already
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act 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 XXXXXXXX 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 reporting or other personal consumer reports

Unfortunately I have been a victim of a data breach and victim of fraud victim of identity death. The accounts listed below were never open using my consent or permissible purpose or authority. They were open using my personal private information without permissible purpose the following companies never investigated or made contact with me to validate the accuracy of these accounts Experian, XXXX, and XXXX XXXX along with the creditors are in violation of FCRA federal law, as I was never contacted to validate the accounts mentioned. And you may be held liable pursuant to federal law title 15 USC 1681o and title 15 USC 1681N for negligence. Pursuant to FCRA 605B and 15 USC 1681C-two I demand that these accounts be removed within XXXX business days as permitted by federal law
Product: Credit reporting or other personal consumer reports

Equifax and Experian deliberately lowered my credit score after I tried to get a mortgage loan. They improperly investigated disputes. The companies get paid to put derogatory negative remarks on my credit report. Then charge the consumer for a report with a credit score that they generate. I contacted Equifax who then lowered my credit score by over XXXX points within an hour. They improper handle and investigated my disputes. Allowing the buyer of a debt report a newer date. The post the date the debt was purchased and not the original date of debt.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I called XXXX XXXX XXXX to find out why they were reporting my account as charged off when I had paid it off in full and had a letter from them stating the account was paid off in full. The agent told me I had to fill out a form and send it in and they would investigate it and XXXX would inform me of the results. On XX/XX/year> I checked my credit report and it changed from charged off with fixed interest to paid charged off. Which neither is true. They had a system malfunction and I started receiving some settlement agreements to speed up the pay off process. To which I turned down because the account was almost paid off and would reflect in a negative manner on my credit report. On XX/XX/year> I paid the balance off to XXXX XXXX XXXX XXXX  and the account was paid in full. This account was never charged off and for them to report it to the credit bureau is having a negative affect on my credit and making it very hard to get a new car loan. I was never notified that this account was charged off as I was in constant contact with them and I was making regular payments. How can it be a charge off if you pay the balance in full?