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

I sent my letter off on XXXX XXXX I told the credit bureau to investigate every piece of information on the account I have listed blew, Also I have attached the letter I sent out. Here is the tracking number XXXX, According to the FRCA the term investigative consumer report means a consumer report or portion thereof in which information on a customers character, general reputation, personal characteristics or mode of living is obtained through personal interviews with neighbors, friends, or associates of the customer reported on or with other with he is acquainted or who may have knowledge concerning any such items or information. The credit bureau stated my accounts were verified but how is that possible if they did not do a proper investigation according to the law, Also every piece of information on these accounts are still not reporting 100 % accurate, and according to the FRCA 15 1681 everything has to be 100 % accurate.I have the credit report showing the inaccuracies. This is ground for remove able. The credit bureaus stated. my accounts was properly investigated but how is that possible if the open dates are inaccurate, the date last active is inaccurate and dates last reported is not accurate. They also violated the law because according to 15 U.S.C 1681 section 602 A. States I have right to privacy. 15 U.S.C 1681 section 604 A section 2 states a consumer reporting agency can not furnish a account without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't know what actual route I need to take through the prompts are to get to the right place, so this is probably not in the right department.

I found out today that Experian has been charging me {$22.00} a month for something that I did not want and had no idea that there was any recurring charge, let alone the insanity that is {$22.00} a month.

I paid {$1.00} for what I thought was a 7-day trial so that I could see my credit score a single time. Apparently the 7-day trial is a 7-day period of a " discount '' before the price goes up to $ XXXX/month, not a 7-day trial to check your score before you lose access to it as I think almost anyone would expect.

They pay to have XXXX  display them at the top when someone searches for " free credit score '', then they actually charge you {$1.00}, which is actually over {$250.00} a year. This is not ok. We are held unjustly behind an unfair and unregulated credit score system, extorted to even be able to check it, then are hit with hidden bills like this. Seriously?

I was under the impression that stuff like this was supposed to be shut down. Isn't this the EXACT situation referenced in this article?

XXXX XXXX XXXX Thank you for any help on this matter and for doing the work that you do. It IS VITAL.

Additional information that I find egregious : 1. I have no email from them telling me that I'm being billed or even that I created an account.

2. They make it nearly impossible to figure out how to cancel future charges. I honestly don't know if I am opted out of the recurring charges or not at this point.

3. They hold customer service hours that make bank hours look like XXXX. I can't contact them in any reasonable way during any reasonable hours. I work. They know that. That's why they have such unreasonable hours. This is not right.
Product: Checking or savings account

Transfer error : XXXX error code repeats. Customer service has said innacurate things. It continues to happen.
Product: Vehicle loan or lease

i paid off my with XXXX  XXXX, tn XXXX acct : # XXXX and i spoke with on XX/XX/20 with XXXX and she told me that i would have dispute it with experian before they would correct my credit report and they have the correct information want sent it to experian!
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns regarding Zelles handling of disputes, patricularly in light of the lawsui hhighlighting issues within the platform. 

Despire using Zelle numerous tiimes my financial instituation and Zelle failed to investigate my claims adequately.
Product: Credit reporting or other personal consumer reports

The last of companies below are continuously XXXX  in my right under : hello yeah yeah yeah so I didnt. I didnt know that. ( 15 USC 1681a ( 2 ) ( a ) ( I ) and 15 USC1666, I never received a letter even saying I was about to even be late, or the I give them the to release my personal information : the companys are ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I attempted to get a medallion guarantee for a friend and upon doing so the local branch manager at the US Bank at the XXXX XXXX XXXX XXXX XXXX gave us a lot of difficulty in doing so and slandered us to the rest of the US bank private community by telling them not to give us any services for no particular reason. By doing so she cost us millions.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts and items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit Reporting Agencies are required by law to remove & block any accounts and information which were found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for the Credit Bureaus and the bank 's records ( learned through more research both parties require ). Please remove the following items : XXXX XXXXXXXX XXXX XXXXXXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX Balance Owed : {$570.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. If the Credit Bureaus feel there is a possibility these accounts belong to me I will require all documentation that bears my signature. If the Credit Bureaus do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly.
Product: Mortgage

Please accept my apologies for my persistence. However, I received my statement and there are questions that remain unsolved. 

As of XXXX XXXX my installment of {$1300.00} is due. 

Also, the XXXX mortgage has not been paid as I have not received the requested form signed by you for Mortgage Assistance. I sent it to you and the Mortgage verification form was confirmed as received. The XXXX mortgage will get paid as soon as I receive the requested form. 

Since my mortgage was never re-affirmed, my understanding is that my current due balance is {$2700.00} for both XXXX and XXXX. Yet, the XX/XX/XXXX statement says the amount due is- {$2800.00}. 

Why am I being charged {$51.00} extra without a clear explanation on the XX/XX/XXXX statement? 
My past unpaid payment is listed as : {$1400.00}. 

If this {$51.00} happens to be one of the several legal fees that you are requiring for me to pay, shouldn't that fee be listed separately and not disguised in my past unpaid payment? 

Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

ftc violation sent inaccurate accounts to the creditors XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$2800.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$4000.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX TX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XX/XX/XXXX {$59.00} - XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, 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.

Account Name : DPT EDXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

XXXX Was stolen at XXXX XXXXXXXX XXXX XXXXXXXX pa!! Police report needs filed!! 

XXXXXXXX XXXX XXXX. And XXXX. Was not refunded by airline 5 years ago I don't know how to navigate court system. I'm getting ready to XXXX XXXX XXXX XXXX 
Trying to get XXXX. 
Its only me and XXXX. 
Nobody is helping me. 
XXXX XXXX XXXX  XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unauthorized inquiries on my report and would like it to be removed, If you can not provide proof such as a signature in writing form stating that i authorized these accounts & inquiries according to the FCRA any inaccurate items on my Credit report that isn't % 100 verifiable or accurate must be removed immediately it is not XXXX compliant or meet XXXX requirements, Please remove items immediately!!
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

In XX/XX/XXXX I requested PEOPLE, S UNITED BANK to lower my 7.25 interest rate. 
During that same month, I was being an incorrect amount. Upon seeing this, I immediately called the bank. I was told that was correct amount. I called numerous times, it was correct. so by XX/XX/XXXX, loan defaulted per PEOPLE.S UNITED BANK. I then was told that, I would have to wait for a XXXX XXXX, who was not there a for a week.This is how the nightmare started. I was able to get a XXXX in XX/XX/XXXX. Which bought my account current, also equity that I had available,. At same time my parents home who are both deceased, their house was also in foreclosure which I was trying to stop. Their house, which was bought in XX/XX/XXXX. That house was already paid off, my mom took a home equity loan on the through the same bank I use. So yes, PEOPLE 'S UNITED BANK took my parents home XXXX and PEOPLE 'S UNITED BANK is currently trying to take mine. the home equity loan my mother got was a predatory loan because in the long run she would not be able to make payments, and this is where my house comes in. The equity in my house could of dealt with the situation. 
So I begin to foreclosure clinics, and was told the only thing I could do was BANKRUPTCY WITH XXXX XXXX. She never told me I had equity in my house. 
This been horrific time for me. The bank took all my equity in legal fees, they offered loan modification that I could never afford the biggest XXXX per month, I have kids and XXXX dogs whom I removed abuse situations. They never allowed me to use equity at all. The bank refuses to talk to me. I was also told by XXXX XXXX no bail outs
Product: Debt collection

Law is clear, account have to be 100 percent accurate & consistent under the FCRA & FDCPA, and these account is vastly different if your sources is the same. XXXX  credit bureau reporting the account is open XXXX  credit bureau reporting the account is collection, both can't be accurate this is a violations. each reporting a total different account name which is high lighted this is a violation both can't be accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I refinance my house with XXXX XXXX they paid off my loan on XX/XX/XXXX freedom mortgage credited my account on XX/XX/XXXX freedom mortgage reported me late for XX/XX/XXXX but XXXX made sure they had there check on the XX/XX/XXXX I want this late payment removed from freedom mortgage
Product: Checking or savings account

I paid for a XXXX STORAGE plan. 3 days later when I was saving pictures and music from my phone suddenly I got an issue that I couldn't upload. LONG STORY SHORT - don't loan phones out as OTHER PEOPLE 'S photos in email attachments and from photo links from people get onto YOUR ACCOUNT without your knowledge. I got both XXXX and XXXX extra storage but ONLY XXXX CANCELLED THE ACCOUNT JUST DAYS LATER. They sent me an email. I appealed and stated : RESTORE MY ACCOUNT OR STOP CHARGING ME. First payment : XX/XX/2022 ( {$2.00} ). I tried calling the phone number on the transaction. AUTOMATED. I went on literally every single XXXX support page with my email account and stated that I either need to get the storage I am paying for or they must STOP CHARGING ME. Support online chat- they said I had to cancel by signing onto my account but XXXX disabled it! And CHASE BANK says I have to cancel my debit card! I am XXXX with NO CAR! CHASE refuses to believe that it is their responsibility to stop unauthorized charges when I tell them. I even read the law from this website to them on the phone! I have screenshots of me putting it IN WRITING for XXXX to stop charging me for services not provided and can provide those upon request.
Product: Debt collection

This bill is 9 years old and was written off. Midland picked up an old bill and is listing it as new. There has to be a law to stop something like this. Is n't it illegal?
Product: Consumer Loan

California Auto Finance Customer Name : XXXX XXXX Acct Number : XXXX I have a car that was finance by California Auto Finance, I was behind for my payment for just more than 10 days. California Auto Finance added insurance to my payment despite sending the proof of insurance to them and their staff calling and verifying the insurance to the company. I called and spoke with a representative named XXXX. I asked for information regarding deferment, since there is a hardship on my part XXXX explained to me their deferment policy and she said that she will transfer me to the collector that was assigned to my account. Upon transfer the collector was very rude and immediately asked " What do you want? '' I explained to her my situation and she did not even let me finish and say we do n't offer deferment. I explained to her that the other representative said that they do but she keeps on reiterating " We do n't offer deferment '' this time she said that " You need to send your payment we ca n't wait for it anymore ''. Despite this I continuously communicate with them through email and explained to them my situation. On XXXX/XXXX/2016, I received a call from a old colleagues of mine that I have n't talk in a while. They reported to me that a collector from California Auto Finance called them stating that I need to pay my debt to them or they will lock down the car. This a complete violation of Fair Debt Collection Practices Act. Specially in the state of California law where original creditor is also consider as the debt collector. FDCPA states that Debt Collector can not ask third party to pass on a message, which in this case they completely violates. FDCPA also states that debt collector can not call third party more than once and can only ask to obtain or confirm location, again California Auto Finance Completely Violated. FDCPA also prohibits them from revealing consumer debt, which again they violated. FDCPA also prohibits them from harassing or stating any threatening words and for them to say that they will shut down the car despite of negotiation and sincere efforts to pay the debt is just a blatant harassment. Not only that California Auto Finance has no customer service, they 're collectors are treating their customer inhumanely. California Auto Finance must remove and stop contacting individuals on my references. They are also more than willing to testify in court of law if I decided to pursue court actions against them
Product: Prepaid card

Ive lost my prepaid card and I didnt know that someone was making transactions on my card so netspend sent me another card once Ive activated the new card I then noticed all of the transactions I contacted them as soon as possible they told me that I would get a provisional credit and to look on line a few hours later I did that and what I saw was my dispute was denied
Product: Checking or savings account

We deposited XXXX checks on XX/XX/2024, one is the amount t of {$5100.00} and one for {$9000.00}. I was given a receipt from the branch that our funds would be issued the next day which is today XX/XX/2024. We have deposited checks from this same person for the entire year of 2024 without issues amd now they have decided to place a hold on our account, removed the funds of {$800.00} that they released and placed our account in the negative. Now they are saying that it is on hold until after XXXX. We have employees to pay, payments that have been made for our vehicles and credit cards that are all now going to bounce. This is unacceptable and they are saying that there is nothing they can do.
Product: Debt or credit management

Want to know if it was a class act lawsuit on XXXX XXXX XXXX because I never got any information for the loss and the inconvenience that I was put through. 
My credit never got straight and I paid for the service over two years and never got compensated for my loss. Also, l 've been reaching out to the services and no one has responded back to me on any updates.
Product: Vehicle loan or lease

On or around XX/XX/XXXX I purchased a XXXX XXXX XXXX from a XXXX car dealership. Santander Consumer USA approve my loan with a high interest Rate. My monthly payments were XX/XX/XXXX a month. The original amount of the vehicle was XXXX for 76 months. Account status is Closed and XXXX has been written off the price of the loan. Around XX/XX/XXXX this vehicle was repossessed with a pass due balance of XXXX Then added XXXX to the loan in the same month dating XX/XX/XXXX. Previously 2 yrs of payment were paid but collection account didnt apply my current payments to my principle. While the XXXX dealership housed this vehicle until XX/XX/XXXX the past due amount became XXXX. On or around XX/XX/XXXX Santander Consumer USA reported that I made a recent payment of XXXX. My concern about this fraudulent loan is my 24 months of payments have not been applied an or deducted from original sale price of this brand new vehicle. Then Santander Consumer reported I made a payment after the repossession of this car, sold it to another lender as it appears as a duplicate negative collection on all 3 credit reporting agencies. When the vehicle was repossessed all interest rates and late fees should 've stopped. Instead they dishonestly took my money and keep the car for the full balance showing nothing that ive paid towards this vehicle. Im very Overwhelmed how Santander Consumer USA takes from tax payers. Please help me with this fraudulent action I face. ThankYou in Advance.
Product: Credit card or prepaid card

In XX/XX/2018 I closed all of my accounts with XXXX XXXX including my XXXX card with TD Bank. When the XXXX account was closed there was no balance on the account. Since the account is closed, I have no access to the account. TD Bank has not been sending me statements. On XX/XX/XXXX I received a letter from TD Bank indicating my credit card account was past due. I called the number on the letter and asked if the TD Bank account was closed and I was told the status is closed. After about half an hour I was connected to a supervisor. She indicated that a charge was made to the account on XX/XX/2018 in the amount of {$190.00}. A second charge was made to the account on XX/XX/2018 in the amount of {$24.00}. The supervisor said she would waive the late fee and interest but I was still responsible for the charges. She said that TD Bank was required to accept the charges because I had done business with these merchants in the past and they had the account information including the expiration date which I have on my records as XX/XX/2018. Neither of these merchants contacted me about an additional purchase. If they had I would have given them a current account number that is active if they were selling something that I wanted. I never authorized a charge on a closed account. Its my understanding that once an account is closed and has no balance, no additional transactions are permitted on the account. Is TD Bank permitted to accept charges on an account with no balance that I closed after the account expiration date just because someone has the account number and expiration date?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   XXXX   and I  agreed on a loan modification for my loan and agreed on a payment of {$100.00} per month. We did a trial run of paying {$45.00} a month for a while but, in  XXXX   XXXX  we agreed on {$100.00} per month. Ever since that time, I have been paying {$100.00} a month to  XXXX   XXXX   XXXX , please see the attached payment history with shows every payment that I have made on this account since  XXXX   XXXX ,  XXXX . Unfortunately,  XXXX   XXXX   XXXX  is not reporting the payments that I have been making on this account. The payment history which they are reporting on my credit report stops on  XXXX   XXXX . They are also reporting that my account is past due and that the status of my account is Charged off. " Accountcharged off.Balloonpayment of $  XXXX due  XXXX  {$26000.00} writtenoff. '' THIS IS WRONG!!!! We had a deal and I living up to my end of it but,  XXXX   XXXX   XXXX  is reporting that my account is charged off and past due ruining my credit history and my scores. The are doing this out of spite! I tried calling them so many times but, no one helps! I have been paying my account on time in accordance with the loan modification agreement. Please have the creditor update the credit reports to show my on time payment history and that the account is currently in good standing and paid as agreed. Please see attached payment history for account. They even wrote that the account is " transferred to recovery ''. THATS A LIE! The account is still with them, they receive my payments every single month.
Product: Credit card or prepaid card

Bank Of America Credit Card Opened XX/XX/2011 That Doesnt Belong To Me Now Its A Charge Off Account On My Credit Report