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

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX E-mail : XXXX Phone : ( XXXX ) XXXX Date : XX/XX/XXXX Subject : Dispute of Unauthorized Hard Inquiries on Credit Report To Whom It May Concern, I am writing to formally dispute several unauthorized hard inquiries that have appeared on my credit report. These inquiries are listed below on Experian, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I do not recognize these inquiries, and I believe they are the result of identity theft. I did not authorize anyone to inquire into my credit on these dates. These inquiries are suspicious and potentially fraudulent, as I have not applied for credit with these institutions or authorized any transactions with them. 
According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or unauthorized information on my credit report. These unauthorized inquiries could adversely affect my credit score and financial standing. 
I request that you investigate these inquiries promptly and remove them from my credit report as they are unauthorized and potentially fraudulent. Please provide me with a written explanation of your investigation results and any actions taken. 
Enclosed are copies of my identification documents and any other relevant information to support my dispute. Please contact me at the above phone number or email address to confirm receipt of this dispute letter and provide updates on your investigation. 
Thank you for your prompt attention to this matter. I look forward to your response within the timeframe required by law. 
Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding zelle 's 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 not feasible. The CFPB 's 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: Mortgage

I am trying to Refinance through XXXX XXXX, my current loan company XXXX, Loan Care at Phone Customer Service:XXXX Will not answer and hangs up on you after 1 min 20 seconds, you call back and like they say later in the week and they do not answer. We have been trying to get a payoff amount so we can close on the new loan for 3 weeks and they will not respond with the information. They need to have their license revoked and they need to be shut down. This kind of negligence in a financial institution is un-nerving. If they dont provide loan payoff information in a timely manner can a person take legal action?
Product: Credit reporting, credit repair services, or other personal consumer reports

The most recent contact with XXXX XXXX ( Care Credit ) and XXXX was today, XX/XX/XXXX. This is in reference to account # XXXX. Since XX/XX/XXXX, I have been in contact with XXXX XXXX, XXXX XXXX XXXX, XXXX, and XXXX about requesting to have the information related to this account removed from my credit report. 

My first concern was about the information on my credit report : it was never updated to show the balance was satisfied by either Synchrony or XXXX. XXXX has been agreeable and helpful. Synchrony has not. 

The debt itself is not the issue and I am not alone in this country as someone who has suffered financially. I was going through extreme financial hardships in XXXX and was unable to pay even the minimum balance on the care credit card. However, I paid the debt IN FULL as soon as I was able and paid it directly to XXXX XXXX XXXX ( the account was sold to them by Synchrony ). 

My issue is the total debt was less than {$1500.00} and Synchrony refuses to treat collections on a case-by-case basis. My debt was compared to that of being in default with a mortgage -- that is ridiculous. I find this incredibly unfair and an unrealistic approach to resolving account issues. Synchrony also explained that charge offs will deter lenders from approving future loans. This sounds like Synchrony enjoys controlling the goals we try to achieve. I find it disgusting that a company refuses to acknowledge that people go through tough times but not all of us CONTINUE to go through tough times and work extremely hard to pull out of those tough times. If a > {$1500.00} debt will hold me back from buying a house or buying a car or asking for a student loan to further my education, I think that speaks volumes of Synchrony and their lack of support for people to want better and be better. The truth is : not all debt is the same.

I am asking again for the account related to XXXX XXXX ( Care Credit ) be removed from my credit report and I hope Synchrony will be open to revising their policies on deleting charge offs from credit reports.
Product: Credit card or prepaid card

American Express Fraud Department investigated and per my request closed the card ending in XXXX XX/XX/XXXX. 
American Express then drafted a letter of apology for me to send to XXXX & the other two credit reporting agencies that the XXXX account was a result of fraud & I was not responsible. ( I did mail that letter to XXXX, XXXX & the other credit reporting agency. 
Now 4 years later, the American Express account XXXX has some way been resurrected by American Express resulting in my receiving a request for payment on XX/XX/XXXX. 
I waited to see if American Express would see their fraud department letter sent in XX/XX/XXXX & cease the harassment but another request for payment on a resolved/closed fraud account has been ignored.
Product: Payday loan, title loan, personal loan, or advance loan

I have had this very high interest loan and just can't seem to get it paid down. They have the title to my car but it doesn't even come close to the payoff amount. Onemain is the company. Every time they recommended a new loan they added a bunch of fees and I have never been able to pay down the note.
Product: Credit reporting or other personal consumer reports

XXXX AND EXPERIAN IS IN VIOLATION UNDER 15 USC 6802
Product: Checking or savings account

On XX/XX/17 at XXXX I checked the balance on my checking account. It was about {$23.00}. The very next morning I checked the balance again at XXXX and it was - {$160.00}. I reviewed the information and found that several things had posted overnight which caused the overdraft. I knew a deposit needed to be made ; however, when I checked the balance I assumed I could make the deposit the very next morning. I contacted the bank about this matter and was informed that all of the posting actually took place after XXXX ; at which time it would not have been possible to rectify the problem before the overdrafts were charged to my account. This statement was confirmed by the bank employee. In my opinion this is fraudulent activity, equivalent to thievery and cheating customers out of their money. It should be a customer right to resolve any issues before fees are charged. This posting that were put through were also put through with the highest amount first which brought on the overdraft immediately and then proceeded to run the rest and accrue overdraft fees for all of them. I was told by the bank that because this was n't their mistake that they would not help me resolve this problem. This is a prime example of a big corporation taking advantage of the average consumer. Their should be laws in place that govern this type of bank activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX XXXXXXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. XXXX XXXX XXXX XXXX {$1600.00}
Product: Credit reporting 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 Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Vehicle loan or lease

I had a 36 month lease for a XXXX  XXXX XXXX XXXX through Ally Bank. 
At the end of the lease term, they came out and checked out the car for damage, mileage etc. In the end they sent me a bill for {$1900.00}. I agreed with {$850.00} of the charges and disputed the difference. This dispute took several months to resolve but in the end they agreed with me and my back up that was sent to them They were trying to charge me for color paint mismatch. I took my car after an accident to a XXXX authorized auto body to make sure I would not run into this type of issue. It was not my fault if their auto body messed up on paint matching. For the record- your could not tell there was any mismatch but that is besides the point. When they finally agreed with me, they sent me an invoice for the {$850.00} and I paid right when I received it. Since this incident I have been trying to secure credit on a rental property when my broker noticed that my credit score went down more than 100 points. I could not believe it. He advised me that it had to do with Ally Bank. They sent a derogatory report to the credit bureaus calling the reduction of the invoice a charge off. This situation is not due to a charge off. I filed a dispute with Ally Bank on XX/XX/XXXX and the situation has yet to be resolved. My interest rate if I should want to secure this loan now has increased by over 1.5 % which is astronomical. I would like to get this resolved ASAP but after calling over ten times nothing has moved or changed regarding my credit. I need help.
Product: Credit card

Today I tried to go inside a Bank of America and use their ATM to make a payment on my credit card which I made a payment of {$1000.00} and the ATM machine took my cash that I deposit and said that the machine was having an malfunction and printed a receipt that did not show my payment. I had to call and file a complaint the ATM that I use that they put in the bank is the old ATM from outside of their building that has been malfunctioning for years now on and off. I have pictures that is the same ATM and The manager of the branch confirmed that it is the ATM from outside this branch has been remodeled to have one bank teller a lot of people when I use the atm complain of the atm taking there money and cards XXXX XXXX and its the closest branch to me
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2021 ) i notified the credit reporting agency of the issue. Under section 15 US Code 1681a ( c ) i am identified as a consumer and i have the right to privacy under as a consumer under 15 US Code 1681 ( a ) ( 4 ). My rights have been violated under 15 US Code 1681 ( b ) Permissible purposes of consumer reports which i never gave any consent to report anything on my consumer report. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove promptly. I feel like I'm being taken advantage of and being ignored of my disputes. My information was also impacted by the Equifax data breach and may have got in the hands of the wrong person. My rights have been violated and I would like to have this matter corrected immediately.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information from Experian and XXXX. 

Please delete the following accounts : XXXX XXXX Account number : XXXX Balance Owed : {$670.00} XXXX XXXX XXXX Account number : XXXX Balance Owed : {$610.00} XXXX XXXX  Account number : XXXX Balance Owed : {$830.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

TODAYS DATE:XX/XX/XXXXXXXX, XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX , FL XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXXDispute Department XXXX. XXXX XXXX XXXX, Texas XXXX TransUnion Consumer Solutions, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : DP OF EDUC XXXX XX/XX/XXXX/XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX DPEDXX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable.

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court.

I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX. 

XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions I have reached out about all of these accounts and inconsistencies several times, these errors are hindering me from moving forward in my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a XXXX XXXX Secured credit card in XXXX with a {$300.00} security deposit. I used the card and made regular payments for 3 years all with no problems. I stopped using the card in XXXX and over paid the balance in appx XX/XX/XXXX. 

First progress sent me a {$15.00} refund check. I check my email my mail and my credit report monthly. I have not received anything from XXXX XXXX XXXX since XXXX of XXXX. That is when they emailed me a statement. 

XX/XX/XXXX XXXX XXXX was negligent in charging me a {$39.00} annual fee on a card with no balance and then not sending me a statement! I had not way of knowing there was a fee charged with not statement. I was notified of this charge only after my XXXX credit reporting said that I had been given a 30 day late charge on a card that I had received a refund check from as my last correspondence. I have promptly paid off the balance again and I would like the 30 day late reporting removed from my credit report on all 3 bureaus. This is negatively affecting my ability to buy a primary residence and I did my part to fulfill my obligation to XXXX XXXX XXXX.
Product: Mortgage

We are attempting to close on mortgage in XXXX, NC that was slated for XXXX. We flew into XXXX at that time to close but was delayed. Many issues with lender completing timely tasks. Prior to the closing being delayed, it was suggested to pay down certain debts to increase XXXX XXXX. It was suggested to refi truck into husband 's name only to help with XXXX. It was then suggested he be added to the loan but not include his income. I was told in after fact that his credit score increased our rate and we would then have to buy down points. Appraisal with company came back $ XXXX under market value after it was delayed due to lender submission or confusion.. Lender did not send for title clearance in timely fashion due to his error of incorrect email address when typing. It was suggested a rate increase to add my husband and then to buy down almost $ XXXX to have rate that was already locked in at 4.5 %. Attorney was sent the okay to execute close but never got final papers. Delayed closing still. Buyer or we were told to send the {$17000.00} needed to close but not actually closed. Lender was not responsive to our attempts to speak with them. They justified moving to another XXXX without our approval which complicated dynamics more. New XXXX states we are not able to sustain employment out of state and pose as risks. This was after they checked my website and assumed I did not work actively in telehealth. They were corrected and still suggested that I have employees to pay. I have contractors XXXX who are reimbursed for the work they do. It appears things are off and our home with not close without them adding more fees and reconfiguring CDs that were signed to close XX/XX/22. We had due diligence money money of {$11000.00} at risk due lender stalling and switching dynamics suggesting my business is accurate, effective or can sustain in North Carolina. I have active remote work in MO at this time and working to secure NC license with Background check pending. Combined we have {$11000.00} due diligences, {$17.00} closing costs, $ XXXX credit card and $ XXXX for taxes that had to be accounted for to close a loan that never closed. If wanting the entire thread of emails or text, pleas let us know. Thank you. Respectfully, XXXX XXXX
Product: Student loan

i am still paying for private student loans for a XXXX program that no employer wants to aknowledge .... XXXXXXXX XXXX
Product: Credit card or prepaid card

I'VE CALLED SEVERAL TIMES TO TRY TO CLOSE MY CARD BUT I KEEPING GETTING CONNECTED TO A BUNCH OF NON-ENGLISH SPEAKING XXXX!!!! CLOSE MY ACCOUNT IMMEDIATELY!!! THE MONEY YOU STILL OWE ME WILL HAVE TO BE MAILED TO ME BY CHECK YOU INCOMPETENT PIECES OF XXXX!!!!
Product: Mortgage

Currently on my 4th servicer ( Shellpoint ) after defaulting on our Mortagage due to unexpected loss in income. Chapter XXXX Bankruptcy filed and discharge occurred in XX/XX/2017. Serviciing of the loan transferred to XXXX in XX/XX/2017 and the only 2 modification offers were not sustainable and would have resulted in another default. Very little contact lately with Shellpoint, but have made several calls to a XXXX XXXX to inquire about a Shellpoint IN-House-Modification program or a Principal Reduction Alternative. I was informed via a loss mitigation affiidavit from a XXXX XXXX that I was eligible for an In-house-modification. To date, I have not received a call back from XXXX XXXX regarding my inquiry and how to possibly apply. There is a new owner of the loan and I am hoping they would be receptive to a creative solution to our problem to avoid a foreclosure.Our financial situation is improving since the Bankruptcy which I feel should be taken into consideration in order to come up with an acceptable remedy besides a foreclosure.
Product: Credit card or prepaid card

i submitted a dispute with my credit card company as i was overcharged for a service i subscribed to. i provided substantial documentation demonstrating my overpayment, including documents from the XXXX  XXXX  XXXX indicating this company indicating that they XXXX  had an active alert on this company for overcharging customers per the terms they present to customers. the reason my claim with my credit card company was denied was because they stated i could not provide them with a copy of my original receipt. however, the only receipt i was provided was a screenshot i took on my phone at the time of purchase. this was the only receipt i ever received from this scam company.
Product: Prepaid card

On XX/XX/2023, I received an American Express prepaid card in the amount of {$50.00}. I immediately tried to use the card to make a purchase on XXXX, and the charge was declined by AmEx. I then tried to use it to order groceries through XXXX and it was also declined. I tried to use it to make a purchase on XXXX and it was declined a third time. When I looked at the account online, I saw that AmEx had allowed a XXXX pending charge for all three merchants to show that it was a legitimate card number, but then they declined the actual charge with no reason stated. In all three cases, my prepaid card was more than sufficient to cover the purchase I was trying to make. 

I contacted AmEx customer service to see if I was doing something wrong, and I was given the unhelpful response that AmEx " declines some purchases to prevent fraud. '' Well it seems to me that they are the ones committing fraud if they are selling these prepaid cards and not allowing them to be used anywhere! I asked where I could use the card and the customer service representative could not tell me a single store that would accept it, just that I needed to " keep trying different places. '' I thought that was a fairly ridiculous response so I XXXX and found that lots of other people have had the same issue and could never get their AmEx prepaid card to work online. I thought I might have better luck trying it in-store, so I added the card to my XXXX wallet and tried to pay for a small purchase using the app at checkout, and once again got the message that AmEx declined the charge. 

If I can't use this prepaid card online and I can't use it in a store, where exactly can I use it? I feel that American Express is committing fraud by taking money for these cards that can never be used anywhere.