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

I filed a dispute on XX/XX/2020 because my Auto insurance comes out automatically and I accidentally paid it as well myself. When I realized my error I immediatelly called American Express National Bank and filed a dispute. At that time I was told that it was still pending on my account and that it would take 7 days for my {$120.00} to be returned to my account. On the seventh day, I checked my account and my monies wasn't in my account and the transaction had posted. I then called the Bank to inquire about my monies and was told that " there was no dispute filed and that I couldn't get my money returned for another 10 to 45 days. They looked at my account and also seen that it was a duplicate charge for the {$120.00} and they didn't try to rectify the situation by any means. I told them that I had done my part and I also waited and that I should be returned my money. I then told the customer service rep that I wanted to speak to a Supervisor and he continuously continued to speak to me I then insisted to speak to a Supervisor and she also didn't give me monies. The Supervisor customer rep number is as follows : # XXXX My account number is : XXXX and the Bank is American Express National Bank
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$17000.00}, {$7500.00}, {$13000.00}, {$960.00}, {$30000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- OPEN ACCOUNTS -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$17000.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7500.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$13000.00} -This is not my account. 

-- CLOSED ACCOUNTS -- 4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$960.00} -This is not my account. 


-- AUTO ACCOUNT -- 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$30000.00} -This is not my account.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, especially in light of the recent lawsuit filed by the CFPB, which highlights significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to properly investigate my claim. They informed me that recovering the lost funds is impossible and tracking these transactions is unfeasible. The CFPB 's findings reveal that Zelle not only neglected to protect consumers but also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about the safety of the platform.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a result of the financial crisis inXX/XX/XXXX, I was hit hard after just purchasing a home. I got married in XX/XX/XXXX and moved to a larger home since we both had children. My old home was listed for sale but did not sell since property values were dropping. I used two XXXX credit cards to help pay for electric and heat and mortgage while I tried to sell it. One account rose to over {$12000.00} and the other to over {$17000.00}.
The two accounts were written off a few years ago. This past year, I tried contacting them to " settle '' in order to improve my credit score. I hired an attorney to help me with this. The attorney pointed out that the Statute of Limitations had expired on both accounts since my last payments on both accounts were in XX/XX/XXXX. I filed disputes with the three credit bureaus. One removed the two Chase accounts from my file. Two others, Experian and XXXX, have not done so. I have filed disputes each of the last three months. The dates they show of last payment are incorrect. They have provided my attorney with true and accurate earlier dates. I have advised them of this and both accounts continue to show in my reports. I need them removed. I have specifically pointed out that the date of last payment they show is incorrect and I have told them they need to check, update, and remove. I believe they have not checked, but simply looked at the erroneous date and accepted is fact. What they should have done is researched the date of last payment, fixed their errors, and removed the two accounts from my reports.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and saw somethings that are inaccurate and false on my report
Product: Credit card or prepaid card

On XX/XX/XXXX, I tried to purchase an used cell phone with {$330.00} from a seller through a online shopping site called XXXX. However, On XX/XX/XXXX, I failed to log in to my account, and I received an Email from XXXX   stated that due to some reasons, they decided to close my account. On the same day, I emailed to XXXX to state that there was still an on-going transaction in my account, and a pending transaction appeared in my bank account. Therefore, I would want them to cancel the on-going trading since they closed my account. However, the site did not respond to my request. 

Meanwhile, I went to a branch of my bank, East West Bank, and I stated my concern that I might be scammed. I would want them to help me preventing any loss or stopping the transaction. Yet, the teller said they were unable to do any action at this moment since the transaction was not completed, and the money is still in pending. 

On XX/XX/XXXX the transaction changed the status from pending to completed. 

on XX/XX/XXXX, I received an box that I believe it is empty from the seller. I immediately called the customer service of my bank and asked them to help me filing a dispute/fraud. I explained the whole thing to a representative, and she said she has made a dispute case for me. 

On XXXX, I went to a branch of my bank and asked the process of that dispute. A teller couldn't find the case I made on XX/XX/XXXX, so she helped me to file again. 

on XX/XX/XXXX, I made a call to the branch I went on XX/XX/XXXX to ask for any update of my case. A teller told me the dispute investigation team refuse to help me due to it is a merchant dispute, I should contact the merchant to resolve the issue directly. However, I have stated an issue that Neither I have contact info of the seller, nor the XXXX site didn't answer my Email regarding the transaction every time when I was trying to describe my situation to the bank 's representative.
Product: Mortgage

Notice as of XXXX XXXX, XXXX : I submitted a complaint about this earlier this year. It is still on my record, even though the mortgage company said they corrected it! Ocwen reported I was 180 days late in XXXX XXXX, even though I was under a program with the State of XXXX/HUD for 'Keep My XXXX Home ' and HUD was making my payments, but Ocwen reported it as late, when it was not! This is STILL on my record, and it is incorrect! 
The acct is closed/paid off, but this error still exists and I asked that they remove the incorrect error, but it is still there!
Product: Checking or savings account

Money is being taking out of my account odd time during the night daily bank dose not allow phone call service so while my money is being took Im left with a robot and lost of money daily
Product: Student loan

PHEEA and AES has been deceiving me and lying to me for years. I have been paying them on time for private and federal loans for decades. I have repeatedly asked, and presented them research that they were not allowed to keep collecting from me after I had been in payment for XXXX years. They denied. they concealed all the information from me. I moved the private loan to a different provider, who immediately forgave the entire debt, confirming that AES and PHEEA have been lying to me for years. 
AES/XXXX/Pheaa ( whatever their name is ) refused to send me a letter that me paying does not mean I admit to owing them money. I asked them to give me wire transfer information and the information to send checks. I am only paying due to their threats to defame me at the credit bureaus. I wrote numerous checks to them with the information they gave me. And I sent multiple wires to the wire transfer information they gave me. they did receive all the money -- many times my so-called " overdue '' amount. They refused to recognize, and did not update their website with the amount of money they took. I complained, and they immediately disabled my web account. therefore they are withholding all information about my account, since I do not have paper billing with them. I have written and called. They refuse to give me access online. They refuse to return the money I paid. 
I will now need to bring a lawsuit to collect stop payment fees I will need to pay to my bank, and for a return of the money that they stole without crediting my account. 
They refuse to tell me their actual company name, address for service of process, my account number, or any information at all about how to enforce my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries listed in my report were unauthorized .I requested that they investigate these and analyze my files by sending letters to all three credit bureaus. The reality that these inquiries continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inquiries listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXXXXXX 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 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 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 reporting or other personal consumer reports

On XX/XX/XXXX I contacted SELF FINANCIAL/LEAD BA to inform them of the inaccurate information being report to the credit bureau XXXX My account is closed but the account is reporting open. This account is reporting inaccurate late payments to all 3 credit bureaus. 
The list contains : 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 

SELF FINANCIAL/LEAD BA is refusing to update any inaccurate information until a balance of {$440.00} cent is paid. 

I have also contacted all 3 credit bureaus by letter & phone of these inaccurate reports. 

Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), you may sue a credit reporting agency for negligent or willful noncompliance with the law within two years after you discover the harmful behavior or within five years after the harmful behavior occurs, whichever is sooner.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have loan that was closed by XXXX XXXX  i was in XXXX  and this finance company 's collection agency filed fraudulent judgements saying they served me but i was XXXX  and no one in my family ever heard from XXXX XXXX  nor collections agency. I sent demand letter to XXXX XXXX collection agency demanding thia account to be removed because of fraud charges and they have removed judgement but exeter is still reporting negative If this account is not removed i will move forward to lawsuit
Product: Credit reporting, credit repair services, or other personal consumer reports

Today XX/XX/XXXX i checked my credit report and i saw two accounts thats on it without my permissible use. I never did business with these 2 companies on my credit report. I reached out to the vcredit bureau and they explained to me that i need a ftc report since i did not recognized these accounts. Also, i have a address on my credit report that i have never lived at. It is listed on the ftc report. I am asking that these account be removed from my equifax and XXXX  credit report because i did not authorized or did business with them.
Product: Vehicle loan or lease

Payment history has not been reported since XX/XX/XXXX. I have contacted Ally Financial XX/XX/XXXX regarding this and have not reached a resolution. To date my credit report/payment history has not been updated as current.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$2200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$820.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$450.00} XX/XX/XXXX XXXX XXXX XXXX {$450.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$390.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$14000.00} XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 XXXX years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I have sent a ID Theft letter and police report several times to this debt collector and they refuse to remove this debt that was involved in identity theft and are attempting to collect a debt that was involved in identity theft.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the Equifax Credit Bureau to update this suspicious information. I think you have not validated this account by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX  XXXX Balance : {$0.00}
Product: Credit card or prepaid card

I sent my payment early for XX/XX/XXXX on XX/XX/2018, with my letter requesting they had made an error in charging me late fees and interest. My payment was 18 days early as it wasn't due until the XX/XX/XXXX of the month. When I looked at my bill again, I saw that they had been charging me late fees for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2018. I had made my payments by the due date. They stated that they did not receive my payments by the XX/XX/XXXX of those months, which is their cycle. I called them on XX/XX/2018 explaining this, but they did not seem to comprehend what I was saying. I again stated that I did not know how long they held my check once it was received by them, so the interest charges were incorrect. I had never had a late payment on this account. I sent a letter dated XX/XX/2018, with my payment explaining that they may have held my payment so they could charge me a late fee. When the supervisor called me she was responding to my letter and that my payment was entered into their system after the cycle. Their cycle was the XX/XX/XXXX of each month and that if my payment was received in a 3-day window between the XX/XX/XXXX and XX/XX/XXXX of the month, I would not be charged a late fee. I again stated that because they were out of state, I did not know long they held the payment prior to them inputting it into their system, but that I was not late and had never missed a payment. The US Postal Service can be a bit inconsistent on deliveries and mail could take between 5-7 days to an out of state address. On XX/XX/2018, I received a letter from " Office of the President '' dated XX/XX/2018, stating they were looking into my concerns of XX/XX/XXXX and XX/XX/2018 and would need to do additional research. On XX/XX/2018, I received a notice from XXXX XXXX that my account had been closed. When I went onto the site, it showed on XXXX my account from was closed on XX/XX/2018 and XXXX showed my account was closed on XX/XX/2018. Both inconsistent and after the date of their letter to me. I was never contacted by XXXX XXXX ( XXXX XXXX ) about this, nor was any further research results forwarded to me. Closing my ; account abruptly like this is unfair, unduly harsh, bad for my credit, and I believe it is in retaliation for my complaining about their faulty business practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I CONTACTED XXXX  AND MADE A PAYMENT AGREEMENT ON XX/XX/XXXX. I SPOKE WITH A YOUNG LADY BY THE NAME OF XXXX AND SHE STATED THAT BY ME ENTERING INTO AN AGREEMENT THAT COLLECTION WOULD STOP AND THAT NO NEGATIVE INFO WOULD BE REPORTED TO THE CREDIT BUREAU. ON XX/XX/XXXX, THE DAY OF OF MY FIRST PAYMENT, I RECEIVED AN ALERT THAT NEGATIVE INFORMATION WAS ADDED AND IT WAS REPORTED THAT MY ACCOUNT WAS 30 DAYS PLUS LATE. I WAS TOLD THIS WOULD NOT HAPPEN AND IT DID.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX have 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, 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 XXXX XXXX XXXX. 

Accounts : XXXX XXXX XXXX ( Late Payment On Closed & Paid Off Account Only Shows On Experian Report, Letter Sent To Remove Late Payment, XX/XX/XXXX - Inaccuracy ) XXXX XXXX XXXX ( Late Payments, XX/XX/XXXX Only Shows On Experian Report - Inaccuracy ) XXXX XXXX XXXX ( Late Payments XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX Only Shows On Experian Report - Inaccuracy ) XXXX XXXX - {$820.00} XXXX - {$2100.00} XXXX XXXX  XXXX {$3500.00} XXXX XXXX XXXX {$460.00} XXXX U.S.C XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX 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. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX sent a letter to me informing me of this XXXX XXXX open and Acct XX/XX/2021 for amount of XXXX which is false i did not they stated afte conducting a through investigation into this matter we concluded that someone did obtain a loan with our company using XXXX XXXX personal information 's
Product: Debt collection

Back around 5 years ago I had a XXXX XXXX account, it was around {$800.00}. I made all the payments on time then the company I was working FOr lost their business because of COVID-19. I decided to go back to college because it was hard with XXXX  children and no babysitter. Now in XX/XX/2023 I received a request for a wage garnishment, I filed and showed up. The judge let me know that it was approved because I didn't go to first hearing. I NEVER received anything regarding a hearing I NEVER signed for any certified mail. I was never notified. The company is called midland credit management. It was sold off XXXX  to their company. They also are wanted me to pay over {$3000.00} for a account I thought was only for around {$800.00}.
Product: Credit card or prepaid card

I the consumer applied for a jp Morgan chase flex card on XXXX XXXX for a consumer open end credit plan I was denied instantly and later was sent a adverse action letter in the mail I sent the company two follow up letters trying to resolve this fraudulent denial inside my letters I broke down full details on how they violated me and broke the law
Product: Payday loan, title loan, or personal loan

I got a call from a company called Asset Recovery Associates or  ARA c laiming that in  XXXX  i opened a credit card with a company called Express and i stooped paying them in  XXXX , the original amount was {$5000.00} with interest and fess its {$15000.00}, but they are willing to take to original amount of {$5000.00}, i told them to give me 24 hours to make sure i owe the money or come up with the money, the response was  u need to pay  us {$1500.00} over the phone today or we will put a lean on your house, i asked for explanation, i Called The FBI and they recommended to file a scam report with you.