23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Comenity Capital Bank Is fraudulently charging late fees to my account after the statements were submitted and when it was paid in full. I paid in full and closed out this account in XXXX of XXXX due to the constant fraudulent charges being placed on my account by CCB. CCB then charged over XXXX  in late fees after I had closed out the account with a XXXX balance. My credit score was being effected by these erroneous charges so I paid off the incorrect balance {$120.00} on the card yet again in full XX/XX/XXXX. I have asked for transcripts or copies of the records/ recordings of and for my calls and payments due to charges being paid in full and after processing other charges being added. I was told on XX/XX/XXXX by a CCB manager that I need a subpoena to receive these records. After reviewing the XXXX XXXXeports this seems to be a constant complaint against this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going over my credit report and there is inaccurate information in the details, accounts that was discharge listed that have been reported are not accurate XXXX/XXXX # XXXX, XXXX XXXX XXXX # XXXX, please delete this account is not correct. There is a bankruptcy that is inaccurate. There are addresses listed on my report that are not mine : XXXX XXXX XXXX, XXXX, NM XXXX XXXX XXXX XXXX, XXXX, NM XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, NM XXXX Please remove the following phone numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX I have attached my ID for my address proof of my only address.
Product: Checking or savings account

On Friday XX/XX/2023 at roughly XXXX XXXX, I deposited a cashier 's check from my account with XXXX XXXX XXXX XXXX to my account with Bank of America in the amount of {$48000.00} which were proceeds from the sell of my condo in Georgia. 

After the Teller deposited my funds, she then proceeded to show my receipt which placed the majority of my funds ( {$42000.00} ) on HOLD for an additional 5 business days. I asked why and they only said it was what their system provided, and that I could speak to their customer service department for assistance. 

Seeing that I am considered a PREFERRED customer with over XXXX of loyalty to this bank, I thought this issue would be easily rectified, but it wasn't. 

After reading their " deposit/hold '' policy online and the Federal Reserve regulations , I believe I was discriminated against and they gave me no real cause or explanation for extended this hold on my funds. Due to their negligence, I missed the opportunity to make a stock purchase which would have paid me dividends as well as missed out on other plans and purchases.
Product: Money transfer, virtual currency, or money service

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

Good morning, I'm not sure how to go about getting these hard inquires removed from my credit report. A car company ran my credit numerous times after I said I was using my Credit Union. 

Here is the info : ALLY FINANCIAL Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Additional details : Business type : Auto Financing Companies Contact info : Address : XXXX XXXX XXXX XXXX, XXXX Phone number : ( XXXX ) XXXX Thank you so much!
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Bankruptcy Reporting in Error Request for Immediate Deletion To Whom It May Concern, I am writing to formally dispute the reporting of a bankruptcy on my credit reports, as it does not belong to me and is the result of an erroneous match due to having the same name as another individual. This bankruptcy is inaccurately reported under my name on my Experian and TransUnion credit reports. 

I have never filed for bankruptcy in my life. I recently visited the U.S. Bankruptcy Court in [ City Name ], and I spoke with a clerk named XXXX, who confirmed that I have no bankruptcy records in the court 's system. XXXX also confirmed that the bankruptcy currently reported on my credit report belongs to another person with the same name, XXXX XXXX, who resides in Ohio. 

XXXX further informed me that the courts do not report bankruptcy filings directly to credit bureaus. Rather, credit bureaus often make errors and report information incorrectly, such as in my case, where another individuals bankruptcy was mistakenly matched to my name. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am entitled to dispute inaccurate or misleading information appearing on my credit report. The bankruptcy currently reported on my Experian and TransUnion reports does not belong to me, and as such, I am requesting that it be permanently deleted from both of my credit reports. 
Please investigate this matter thoroughly, as required under the FCRA, and provide written confirmation that this erroneous bankruptcy has been removed from my credit reports. If you can not verify that the information is accurate, the account must be deleted under 15 U.S.C. 1681i ( a ) ( 5 ). 

I expect a prompt response within 30 days from the date of receipt of this letter, as stipulated by the FCRA. Failure to correct this mistake will result in further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 

Thank you for your immediate attention to this matter. 

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

Im submitting a complaint to you today to inform you I was the victim of identity theft. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX and # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Please remove the following items offof my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX  XXXX ( Original creditor : XXXX XXXX XXXX  ) XXXX Balance {$110.00} XXXXXXXX XXXX  XXXX ( Original creditor : XXXX XXXX XXXX  ) XXXX Balance {$260.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$6600.00} XXXX XXXX XXXX ( Original creditor XXXX XXXX XXXX ) XXXX Balance {$2500.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance {$710.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXXXXXX XXXX XXXX XXXX. ) XXXX Balance {$740.00} XXXX XXXX XXXX  ( Original creditor : XXXX XXXX XXXX XXXX XXXX Balance {$2100.00} XXXX XXXX XXXX XXXX XXXX  Balance {$1100.00} XXXX XXXXXXXX XXXX Balance {$7400.00}. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.
Product: Credit card

On XX/XX/XXXX of this year, I used my Apple Card on the XXXX XXXX website to pay my phone bill. I paid {$230.00} using that card and it went through no issue. The problem is that for whatever reason, Apple Card is showing the card being charged twice, and this has my card over the credit limit. I asked them what was going on, because there is one confirmed charge of {$230.00} and another charge that is pending for that same amount. I was told I needed to wait about XXXX days for the charge to fall off well that came and went. So I contacted them again, and now they are telling me there is no way they can remove that, and I may have to wait two whole billing cycles until it goes away! So now I have to be without use of my main credit card potentially three months?! I find it incredibly unfair. Their agent told me to double check with XXXX about them not double charging me, but XXXX confirmed they only charged me once.
Product: Checking or savings account

I was banking with Capital One and I deposited a check which was not in my name they told me that I need to verify that I had permission to deposit the check I gave them a phone number from the issuer of the check and from the name written on it but they said that they can still not verify it. Now my money has been locked for more than a full year with no resolution. The money they keep is even more than the amount of the problematic check!
Product: Debt collection

A collection from this company appeared on my credit report. I received no communication from them and don't even recognize the debt - I had no opportunity to work with them to figure it out before they reported it.
Product: Credit reporting

There is a XXXX XXXX account for XXXX XXXX XXXX dated XXXX/XXXX/2011 in the amount of {$160.00}, for what? I have no knowledge of this account, charge nor did I recieve a bill for this service. I have insurance with deductible which was met this year so what is this charge and for who, what was done? This is more false, inaccurate credit reporting. I was never notified of any bill. I want this removed from my credit report immediately.
Product: Payday loan, title loan, or personal loan

I received a call today from " XXXX XXXX XXXX, '' advising a loan from XXXX XXXX XXXX back in 2010 has been reported uncollectable and that if I did not pay within 48 hours, my wages would be garnished and my federal tax return seized. I never received a loan from this company or it's subsidiaries. I requested original documents be mailed to me and all they would provide is an email with a Word Document. I googled the company and it appears that I am not the only person this has happened to. When I called the company to return their voicemail, they knew who I was before I identified myself and attempted to confirm my social security number and my date of birth. I refused to provide any information and they have called me a few times since.
Product: Checking or savings account

On XX/XX/XXXX, I was sent {$350.00} via XXXX from a friend. I sent the {$350.00} right back because my friend was trying to pay themselves so that they could pay for utilities. The {$350.00} went to the same account they sent from. So they fixed the account information and sent me the {$350.00} again. So everything was an eye for an eye. My friends {$350.00} was utilized as they wanted. My money was never involved and it was never my {$350.00}. 

On XX/XX/XXXX, a dispute was made on the account. The dispute charged me twice for {$350.00}. The total withdrawal was {$700.00}! I tried to contact XXXX to tell them what happened and they couldnt help me. I contacted my bank and they couldnt help me. I contacted my friend because she shares an account with her domestic partner. The domestic partner was the one who made the dispute as they were having domestic troubles. I contact the bank of the domestic partner and they could not help since I do not have an account with them. I just lost {$700.00} and my friend was still able to use her initial {$350.00} to pay for utilities.
Product: Credit reporting or other personal consumer reports

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX  days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Product: Mortgage

In applying to refinance I learned that my current mortgage is not reported on my credit report - unable to refinance since I do not have a current loan. 

I contacted Shellpoint Mortgage Servicing on XX/XX/XXXX2020 and spoke with a XXXX who took a report of the issue. 

Shellpoint was contacted on XXXX to follow up and they informed me that the issue was " fixed '' on XX/XX/XXXX The loan still was not reflected on my credit file, so on XX/XX/XXXX I spoke with XXXX XXXX at Shellpoint. She informed me that the issue was reviewed but it would take time for a full resolution and that it should be resolved in two weeks. 

XX/XX/XXXX I spoke with XXXX XXXX of Shellpoint who escalated the matter to a supervisor. Both XXXX XXXX and the supervisor opened up tickets with the " credit manager '' and I was told it should be resolved in 72-hours. 

XXXX the loan was still not reported, contacted Shellpoint and asked XXXX XXXX to connect me with the " Credit Manager '' there is no such person and the call was referred to a supervisor, XXXX. XXXX advised me to send the complaint in writing. The complaint was sent via US Mail, Certified Mail and eMail ( received by Shellpoint on XXXX ). 

Several transactions are being held up by this companys incompetence.
Product: Credit card or prepaid card

Due to insufficient due diligence, Affirm helped to finance a XXXX XXXX XXXX XXXX XXXXXXXX, and has direct liability in this issue since it was helping to XXXX  XXXX XXXX 's transactions even when it was clear that they were insolvent and unable to fulfill any new orders. 
We purchased a sofa from XXXX XXXX  and used Affirm to finance the transaction because XXXX XXXX and Affirm had a co-marketing agreement. This means that XXXX XXXX marketed Affirm 's financing, and Affirm had a direct contractual relationship with XXXX XXXX  which granted Affirm exclusivity in terms of being marketed on the site. 
However, we never received our sofa, and XXXX XXXX  is claiming they have no legal obligation to fulfill orders placed before XX/XX/XXXX. 
Affirm has lied to the media by stating that consumers do not have an obligation to pay loans during the dispute, while writing to us on XX/XX/XXXX that we still have the obligation to pay them. For example in a XXXX XXXX XXXX article Affirm said there is no obligation to pay until the issue is sorted out XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX has admitted that it was obtaining payments and delaying orders because they had no cash to fulfill them, yet even through XXXX, Affirm was still fronting loans to XXXX XXXX. 

At this point Affirm is trying to pretend that it has no responsibility, arguing there is nothing they can do since 60 days have elapsed, and refusing to refund us. Meanwhile credit card companies like XXXX XXXX are helping consumers with this XXXX XXXX  issue. 

This is yet another reason why the CFPB needs to have better oversight over the XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Experian, XXXX, and XXXX are reporting a credit account from XXXX XXXX  that does not belong to me. This account and balance do not belong to me, and I have sent documentation multiple times. It is fraud and identity theft, and they have not resolved this matter within the allowable 30 days. I have also sent all identity theft and fraud reports, along with a letter from XXXX XXXX advising them to remove this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Synchrony/XXXX Re : acc # XXXX To XXXX XXXX I had called XXXX customer service in reference to missing credit data in the month of XXXX on my XXXX XXXX and XXXX credit report. After numerous attempts to rectify the missing reporting data for the month of XXXX, XXXX payment data has also not been reported to XXXX XXXX and XXXX. Due to either technical difficulties, I assume the data furnisher is not fulfilling its requirements under the Fair Credit Reporting Act and Rule 660. This account is closed. I expect the payment history to reflect my payments made to my account consistent with my credit and payment history to the credit agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint on XX/XX/2022 and it is now XX/XX/2022 and my dispute was never answered to, therefore, all the inquiries in said dispute must be removed or I will file a lawsuit against TransUnion. 

I have already tried to get TransUnion to remove them given in violation of FCRA this dispute was not addressed within 30 days, therefore, I am requesting again that it be addressed. In the event it is not addressed my attorney will file a lawsuit because FCRA says an item must be immediately be deleted if its been more than 30 days and the dispute is not addressed. 

I also am an attorney so I know my rights and will be assisting in the filing of said suit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX sent my pay off in late 35 days to td auto finance
Product: Debt collection

If a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all communications. 
Also company cant sell your account to a third party. 

Account XXXX Transworld systems XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Ca XXXX ( XXXX ) XXXX
Product: Mortgage

I refinanced a property with Interfirst. Loan only, no escrow. Made XXXX payment and then they sold it to another firm, also called Interfirst ( but the loan number changed ). Once I had made a payment, I set up online access and checked my account. I found I had a past due amount of {$2400.00}. I called to complain, and eventually they discovered that my mortgage had incorrectly been flagged as escrow, so they had sent a check for {$2400.00} to my property insurance company. Once they realized it, they called that a balance due and wanted me to send them a check in the same amount to cover it. ( But one person there, in their insurance department, said that the escrow flag had subsequently been removed, so if I sent the check they wouldn't be able to handle it, and would just apply it to principal ). Another person said, no, send the check- it'll be fine. So I sent the check on XX/XX/22 and they cashed it on XX/XX/22 ( see attached ). Today I received a statement ( attached ) showing a past due balance of {$2400.00}, and indeed, the XXXX I sent them had been applied to my principal. They are generally incompetent, in my experience. I want them to apply the payment I sent them to the past due balance that they caused me to have through their own incompetence.
Product: Credit reporting or other personal consumer reports

FORMAL DISPUTE - DEMAND FOR REMOVAL OF INACCURATE INFORMATION** Social Security Number : XXXX To Whom It May Concern, This letter serves as a formal demand for the immediate removal of inaccurate, unverifiable, and unauthorized information from my credit report, in strict compliance with federal laws! Under the Fair Credit Reporting Act ( FCRA ) and other pertinent legislation, I have the indisputable right to maintain an accurate credit report and to dispute any entries that lack legitimacy or proper verification Dear XXXX Consumer Assistance XXXX XXXX XXXX - XXXX - Verify Account - XXXX U.S. CXXXX XXXX ( b ) Billing Error : I recently reviewed my credit report and noticed late payments listed from your company. The payment history for this account is inaccurately reported. Please update the status to paid as agreed on my credit report. 


XXXX XXXX XXXX - XXXX - Verify Account - XXXX U.S. CXXXX XXXX ( b ) Billing Error : I recently reviewed my credit report and noticed late payments listed from your company. The payment history for this account is inaccurately reported. Please update the status to paid as agreed on my credit report. 


XXXX XXXX XXXX  - XXXX - Verify Account - XXXX U.S. CXXXX XXXX ( b ) Billing Error : I recently reviewed my credit report and noticed late payments listed from your company. The payment history for this account is inaccurately reported. Please update the status to paid as agreed on my credit report. 


XXXX XXXX XXXX- XXXX FDCPA Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of XXXX U.S.C. XXXX. They were to notify me of this in writing 5 days prior, I was not.As the original creditor, only I can validate this debt. I do not validate this debt. 

XXXX XXXX XXXX- XXXX Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of XXXX U.S.C. XXXX. They were to notify me of this in writing 5 days prior, I was not.As the original creditor, only I can validate this debt. I do not validate this debt. 

XXXX XXXX XXXX - XXXX FDCPA Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of XXXX U.S.C. XXXX. They were to notify me of this in writing 5 days prior, I was not.As the original creditor, only I can validate this debt. I do not validate this debt. 

Incorrect Name - XXXX XXXX - This personal information is incorrect AND HAS TO BE DELETED FROM MY CREDIT REPORT. 
in violation of XXXX U.S.C. XXXX. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt.