23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I am a chase customer that reported fraudulent charges starting around XXXX XXXX. There was a check deposited in the amount of about {$13000.00}. I also had many other suspicious withdrawals and purchases totaling to over {$14000.00}. I currently have no money and in the negatives. I am waiting for a temporary adjustment to have money in my account but today is technically the 2nd business day XX/XX/2021. Almost all activity happened in the state of New Jersey. I do not live in the state and have not visited there at anytime during the effected dates. I am worried I will not receive my money back. They asked about me writing down the pin somewhere and I mentioned it may have been on a paper I keep some passwords on. I think it was but it's possible that the pin was not on there after I thought about it. I plan to clear up that fact but either way, I did not authorize any of those payments. Some included {$1000.00} at a sneaker store. Multiple purchases as USPS for approximately a little over {$900.00} each. And various withdrawals at a Chase banking branch.
Product: Credit reporting or other personal consumer reports

Account Name or Number : XXXX  XXXX, dated XX/XX/XXXX Dispute Reason : " This account is not mine. '' Account Name or Number : XXXX XXXX XXXX, dated XX/XX/XXXX Dispute Reason : " This account is not mine. '' Account Name or Number : XXXX XXXX XXXX XXXX, dated XXXX Reason : " This account is not mine. '' Account XXXX or XXXX : XXXX XXXX, dated XXXX Reason : " This account is not mine. '' Account Name or Number : XXXX XXXX, dated XX/XX/XXXX Dispute Reason : " This account is not mine. '' Account Name or Number : XXXX & XXXX XXXX XXXX, dated XX/XX/XXXX Dispute Reason : " This account is not mine. '' Account XXXX or XXXX : XXXX, dated XX/XX/XXXX Dispute Reason : " This account is not mine. '' Account Name or Number : XXXX XXXX XXXX XXXX, dated XX/XX/XXXX Dispute Reason : " This account is not mine. '' Account Name or Number : XXXX XXXX  XXXX ( XX/XX/XXXX XXXX ) Dispute Reason : " This account was CANCELLED AND PAID. ''
Product: Vehicle loan or lease

I have had this auto loan since XX/XX/2010. Its for a XXXX XXXX XXXX XXXX. So far I have paid well over {$51000.00} dollars and still owe more on it. I did some research on Santander, and found out about money going strictly toward the interest payments. I never was told nor agreed to anything like that. This vehicle is a plain van. It doesn't even have power steering, air or heat in the rear of the vehicle. I read about the settlement that they have agreed to with lawsuit that was brought upon them. I need help in straightening this out. I AM a XXXX senior citizen. I'm not asking for pity. I just know that this is not to be right.
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX XXXX a XXXX XXXX XXXX around XX/XX/XXXX with XXXX XXXXXXXX XXXX XXXX  Around XX/XX/XXXX, the car was refinanced for my wife XXXX XXXX XXXX under Navy Federal Credit Union. Navy Federal issued a check of {$46000.00} ( XXXX | XXXX ) for the full payment of the car. 
XXXX However, while the car loan is under my wife name, the title still remains under my name. 
XXXX The car was turned in to Navy Federal in XX/XX/XXXX because we couldn't afford for the monthly payment, although we issued a payment for the month of XX/XX/XXXX. 
XXXX The problem is that Navy Federal Credit Union has been denying receipt of the car title and lien release, which would enable it to list its name on the car title, sale the car on auction, and provide us with a comprehensible balance. 
XXXX XXXXXXXX XXXX  response to my initial complain noted that Navy Federal has received the car title and the Security Interest Filing on XX/XX/XXXX, and that a Navy Federal Credit Union representative acknowledged it on the phone.
Product: Vehicle loan or lease

On XX/XX/XXXX I called Navy Federal Credit and spoke with a representative about my auto loan that was adversely affected during the height of the pandemic. I advised there were accommodations made that was reported late 4 times and repossessed without warning even though partial payments were made in the interim. The account was brought current XX/XX/XXXX and per section 4021 of the CARES Act once the account the consumer brings the credit obligation or account current, the furnisher must report the credit obligation or account as current. The rep submitted an " OLC '' to their consumer reporting department and provided a resolution time of 7-10 business days. 

XX/XX/XXXX I called the company for a status update and was told by another rep the review had not been started and there was no ETA on completion.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 filed a complaint online via Transunion LLC regarding an inaccurate balance on my XXXX XXXX card account as an authorized user. The result, on XX/XX/2021 the account was removed in error by Transunion, LLC resulting in a droppage of my scores on XX/XX/2021 ( please see documents to support my claim ). I immediately telephone Transunion, LLC on XX/XX/2021 to file a telephone dispute. A Transunion representative informed me on XX/XX/2021 to notify XXXX XXXX and get XXXX XXXX to placed the card back on my credit profile. After reviewing my credit profile, both accounts of my XXXX XXXX accounts as an authorized user have been mistakenly removed by Transunion in Error.
Product: Credit reporting, credit repair services, or other personal consumer reports

During the Covid pandemic, loss of income had occurred and making payments were becoming difficult. On XX/XX/2023 I had changed banks and forgot that autopay was still occurring for my Citizens One Loan. After not realizing that a payment for XX/XX/2023 was never made, I quickly made a payment XX/XX/2023 soon as I found out. At this time Citizens had already flagged my account as 30 days past due late and my credit score had dropped over 100 points. This incident has been the only time I have been late on any payments. It was an honest mistake and now Im struggling to improve my score.
Product: Credit reporting or other personal consumer reports

On XXXX of 2023 I have received a late payment with XXXXXXXX XXXX  which I believe their system faulted. I believe this to be a billing error on XXXXXXXX XXXX  as their system has been glitchy when connecting to external banks to pull funds for Credit Card payments. As you can see I have always been in good standing with them, and due to this glitch and them closing out the card and marking this as a late payment, it has severely effected my credit.
Product: Debt collection

I purchased furniture from XXXX back in XX/XX/2020. They delivered the products as I paid in full. I have the receipt.
Product: Credit reporting or other personal consumer reports

I discovered several unauthorized inquiries on my credit report that do not belong to me. Upon contacting each business associated with the inquiries, they confirmed they have no record of an application or contract tied to my name. I followed up by disputing these inaccuracies with Equifax, providing supporting evidence EACH TIME. It has been over a year that I've provided information. Each time, Im asked to submit my ID, SSN, A bill, etc. I send it and I NEVER receive a response. This is affecting my life incredibly! This is by far the worst credit reporting company! Despite this, the inquiries were not removed from my credit report.Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i, credit bureaus are required to conduct a timely and thorough reinvestigation of disputed items and correct or delete any unverifiable or inaccurate information. Additionally, under 15 U.S. Code 1681b ( f ), a credit report may only be accessed with a permissible purpose. The presence of these inquiries without authorization violates these provisions.
Product: Credit reporting or other personal consumer reports

I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputedentries. 
Account Name : XXXX XXXX  Account Number : XXXX INQUIRIES : XXXX XXXX XX/XX/year> XXXX - XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a medical charge on my consumer report that I did not recognize so I proceeded with the following : XX/XX/XXXX - Notified the credit bureaus reporting this error via certified mail. ( TransUnion & XXXX  ) XX/XX/XXXX - Sent a notarized letter to the collection agency [ XXXX XXXX  ] requesting validation or evidence that this debt belonged to me, sent certified mail with a return receipt. 

XX/XX/XXXX - XXXX XXXX received my letter. 

XX/XX/XXXX - 12 days after my medical investigation began, XXXX  reported the account as " verified '' on my consumer report. 

XX/XX/XXXX & XX/XX/XXXX - TransUnion reported XXXX XXXX  as " verified '' on my consumer report. 

Per the Fair Debt Collection Act, during a medical investigation, creditors/collection agencies can not take legal or other action to collect the disputed amount and related charges during the investigation. The creditor or collection agency may not threaten my credit rating, report me as delinquent, or accelerate my debt because I have used my FCBA rights. 

XXXX XXXX, TransUnion LLC., & Experian have all violated my rights. XXXX XXXX  failed to respond to the dispute and as of today, XX/XX/XXXX they still have not responded. Neither TransUnion nor Experian, has sent verifiable documents as required in the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) supporting this delinquent claim on my report. I requested proof from XXXX  on XX/XX/XXXX and TransUnion on XX/XX/XXXX. Both credit bureaus have failed to provide any evidence. 

The medical account in question, owned by XXXX XXXX  does not belong to me. I have requested proof and explanation of charges, neither of the ( 3 ) parties have provided it. 

Please remove this account from my consumer report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have credit inquiries on my Equifax file. Which i do n't recognize. Also have letter from bank stating they will be removed. Sent them to Equifax few times as well as certified mail. been 9 months and they still there. Equifax is not following any federal guidelines
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to file disputes and have information on my credit reports updated to reflect the current status, account balances, etc. of various accounts on my credit. Each time I attempt to file a dispute the companies decline to update my information to reflect accurate information. The following is accurate. 

On XXXX I contacted XXXX, a credit card company, and found out that my account had been charged off. They provided me with contact information for XXXX XXXX, the company that now had my account. On XXXX I spoke with a representative and paid the account in full, as agreed per the settlement offered. Attached is a recent shot of my bank account showing this debit from my account. 

On XXXX I contacted XXXX, a credit card company, and found out that my account had been charged off. They provided me with contact information for XXXX, the company that now had my account. On XXXX I spoke with a representative and paid the account in full, as agreed per the settlement offered. Attached is a recent shot of my bank account showing this debit from my account. 

On XXXX I contacted XXXX XXXX XXXX. They informed me that I had a collection account for XXXX XXXX XXXX ( a past-due bill ). I paid the balance, per the settlement agreement in full. 

On XXXX I contacted XXXX XXXX XXXX XXXX company. They informed me that I had a collection account for XXXX. I paid the balance, per the settlement agreement in full.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I am reaching out to express my deep concerns about Zelles handling of disputes, especially in light of the recent CFPB lawsuit that has brought significant issues with the platform to light. Despite my frequent use of Zelle and multiple reports of discrepancies, both Zelle and my financial institution failed to properly investigate my claims. I was told that recovering lost funds was not possible and that tracking these transactions was beyond their capabilities.

The CFPBs findings highlight Zelles failure to safeguard consumers, allowing repeat offenders to exploit the platform and leaving users exposed to scams. This lack of accountability and transparency is deeply troubling and raises serious questions about the safety and protection of consumers.
Product: Checking or savings account

My checking account with Bank of America was closed by the bank in XX/XX/XXXX due to being overdrawn and unused for 100 days. Had my taxes done XX/XX/XXXX and my account inadvertently the old account instead of the new one I gave him. Bank of America deposited my return on XX/XX/XXXX to a closed account! On that same day I was issued an atm and and received a email notifying me it did as such. XX/XX/XXXX I received the atm card in the mail. On XXXX XXXX I learned of my account mistake and called the XXXX number on the back of my old debit card and it stated I had {$6000.00}. available in my account. Went to use the debit card and it was declined, went to withdrawn money for the bank with the atm card it was also declined. Called customer service that night and was told my account was frozen due to the fact that it was a closed account. Also was told the saving account I had connecting with the checking was still open. Then was told they could transfer from the checking to the saving but it would that 3 days!!! It is now XX/XX/XXXX ( 3 days ) and just left the bank and my money is still NOT transfer!!
Product: Debt collection

I had a collection from XXXX from 2 years ago that I paid in 2015 with the company. However, a new collection for the same amount was put on my credit report from a different collection company who is saying that i still owe the money. They wo n't accept any information that i have showing that it has been paid and say that they do n't care. I do n't want to pay the same collection twice especially when i disagreed with the amount the first time from the phone company.
Product: Consumer Loan

In XXXX of 2007 I purchased a vehicle which I financed with Chrysler financial. the federal fair credit reporting act says that the consumer reporting agency\must remove all derogatory items after XXXX years. this negative item should be removed from my credit report asap. I payed XXXX for XXXX months which amounts to XXXX, the vehicle was sold for XXXX which was a total of XXXX. this should immediately be removed from my credit report. it is the responsibility of both the credit reporting agency and the business to remove this from my credit in a timly manner.
Product: Student loan

Nelnet is servicing my loan. The loan was guaranteed by a private bank but now Nelnet owns is. Total loan was {$8000.00} at 6.8 percent interest. I am now looking at {$15000.00} owed after paying them {$130.00} a month and without any statements or fee explanations. Because they are regulated by the Dept of Education they are not allowed to refund XXXX of the interest or fees. I spoke to the guarantor and they said they would be able to refund interest and fees if the loan was still in their name. Nelnet is corrupt. There should be some consumer law that if they threaten to garnish my wages they should be showing me what they are garnishing my wages for.
Product: Mortgage

In XXXX of XXXX I was on a modification and I unsuccessfully was able to pay online I called and never received a phone call because all companies at that time were shutting down and scrambling to put people in place to work from home, so I was cheated out of my first modification and had to reapply. I reapplied and was approved for a new modification that was substantially higher and supposed to start in XXXX but because I was unable to secure my unemployment benefits I was given a 90 day extension which made my start date XX/XX/XXXX. I was told it would be the three payments they same as any other XXXX, XXXX, and XXXX so I started making payments, they call would call me twice a month and at no time was I told that I would be required to make two payments in XXXX Until I called in on XX/XX/XXXX to make my last modification payment and was told that I had to mail the last payment in and that I was to wait until I received the final modification papers, which was odd because I always pay over the phone. I was told I couldn't pay online until the modification was complete but that they wouldn't except it over the phone, then I was told that they sent me a letter in XXXX of XXXX. Someone shows up last wk said the lender sent them because it was reported the house was unoccupied, how ironic. Friday the XXXX I received a phone call from a representative who informed me that they had cancelled the modification for none payment and that I would have to reapplying and that they had no other information for me. Saturday XX/XX/XXXX I received a statement saying that they were requiring a payment in the amount of XXXX towards my loan. This is the second time they have done this to me, I have suffered the loss of a job, I have been sick with the virus and Im still struggling financially but I have managed to make the payments, PHH which is formally Ocwen has really been unprofessional and unresponsive when needing assistance, Im asking for assistance in this matter because this seems to be the way they cheat people out of there somewhat reasonable payments, then they take forever to respond and when they do you owe all this money because you haven't paid waiting on a response from them. Times are hard and people are struggling and im one of those people. If they take my house I will have no place to go, I know that Mortgage companies along with other business have received grants and other forms of monetary assistance in a effort to help people stay in there homes. I also know that all calls are supposed to be recorded for quality assurance and Im asking just that to pull the recordings as proof that know one mentioned anything about double payments. Your assistance would be greatly appreciated, I have been in this house for over 20 years and would hate to loose it because of miscommunication and unprofessionalism. Also the late fees and price gouging is terrible. 

Thank you XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To whom this may concern, there are some inquiries on my credit report, that I have been disputing for a while now, THAT DOES NOT HAVE PERMISSABLE PURPOSE. 

XXXX XXXX SERVICES- XX/XX/XXXX : This inquiry has no permissible purpose to be on my report, nor do I have a account associated with this Company. This inquiry is in direct violation of 15 U.S.C 1681b. 

XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX : This inquiry has no permissible purpose to be on my report, nor do I have a account associated with this Company. This inquiry is in direct violation of 15 U.S.C 1681b.
Product: Debt collection

PDQ Services Inc is an account that I do not recognize on my credit report. I discovered this account XX/XX/2021. This account does not belong to me. I attempted to had this remove with all 3 credit reporting agencies and XXXX and XXXX has complied. XXXX has not removed this account after I disputed this account 4 times. I have a FTC report with the report number being XXXX. They still have not removed this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the collection company and experian, XXXX, XXXX  I do not owe this debt and uploaded a letter from the supposedly creditor showing {$0.00} balance Unsure how a collection company says I owe something their original creditor notes I dont
Product: Credit reporting or other personal consumer reports

I have a tremendous amount of soft inquiries on my credit report which I never authorized and have opted out for the past 4 years yet they continue to occur and are not removed as soft inquiries dont usually damage the consumer report but they are detrimental to mine as a new business owner and pending homeowner I am very concerned that they are negatively affecting my consumer reports and hinders my ability to access funding
Product: Prepaid card

on several occasions now i get a settlement card for a class action lawsuit for items i've purchased. they send it in the form of a prepaid card. previously a few months ago i was not able to use it because it was being declined on all formats online. i contacted customer support and they said they would investigate. later i was advised that the card would be closed and funds would not be available to me which is a scam. i did a online research and apparently theres alot of complaints about this company ( myprepaidcenter.com ) i know was issued another card from a XXXX lawsuit small amount but again same thing its being declined everywhere i even tried my XXXX account, so i contacted customer service and they say the same thing oh this card is locked and we need to investigate. mind you neither cards have any transaction history, i can access the cards on their website and the balance shows available but only on their website. all online trys say invalid card. this company is keeping all customers funds. something needs to be done. people dont know how to go about collecting digital funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently reviewed my XXXX XXXX XXXX. The reports are indicating that a I have 30 day late payment in XX/XX/2023 reported by XXXXXXXX XXXX XXXXXXXX. This a serious inaccuracy a needs to removed immediately. I have never been on any accounts. Please provide proof that this account was paid late by provide me a banking showing by demanding a copy of the statement that confirms. 

If proof can't be provided, I demand that the XXXX account be updated to its correct status and satisfactorily paid on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have consistently tried to remove incorrect information from my credit report, by disputing with XXXX, TransUnion and XXXX. There are two closed derogatory accounts on my credit report that do not or did not belong to me. They are XXXX XXXX XXXX and XXXX XXXX XXXX. I am a victim of identity theft going back to the early XXXX and forward to 2022.