23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

On XX/XX/year> ATM WITHDRAWAL OF {$660.00} AND {$300.00} WERE WITHDRAWAL 'S FROM MY ACCOUNT... .I DISPUTED THESE CUZ IT WASN'T ME SO I ASKED FOR ATM PHOTOS ... THAT I SENT WITH DISPUTE... THEY GAVE ME PROVISNAL CREDIT.. TOOK IT BACK THEN GAVE IT TO ME AGAIN YET THEY TOOK IT BACK SAYING I OWE THEM {$950.00}. 

This is crazy they keep taking my money this isn't the first time.. im not paying it... They've XXXX  me enough..I need your help
Product: Payday loan, title loan, personal loan, or advance loan

I paid off the initial loan. They called me saying the last payment was made, but theyll refinance it and give me more money. The process was done over the phone, but the agents computer went down in the middle. She said to call back in an hour to restart the process. I called back and it still was down, but I told her to just forget about it, but unfortunately the next business day they proceeded with it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having a problem with a car loan reported by XXXX XXXX. The account shows an erroneous 30-day late payment for XX/XX/XXXX. 
In XX/XX/XXXX, I disputed the 30-day late reported by XXXX XXXX to TransUnion. I reiterated the reporting was inaccurate ; my payments were never more than 30 days late, etc. The dispute results from Trans Union came back stating that the account had been updated to reflect no late payments and the 30-day late payment. 
Trans Union provided me with a copy of my corrected report showing the account was updated and now showed no late payments reported by XXXX XXXX. Since this was the only negative item reporting to my credit, I went on to try to apply for my loan once it was corrected. However, it seems that the late payments were reinserted without my knowledge, some time after it was initially corrected. My understanding is that the FCRA requires written notice of reinsertion of previously-deleted negative information within five days if a negative comment or history is reinserted after it has been removed. At no point was any such notice provided. 
I was never given any notice that the rectified erroneous late history would be re-reported, and wasnt even aware that was something that could be done at all! How can this company verify that my payments were never late, fix their reporting of it, and then turn around to report the exact same false information again? How did Trans Union allow previously-deleted information to be reinserted?
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$27000.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

Bank of America rep confirmed that 2 accounts were opened using my SSN and email address. Called back to ask for confirmation that these are closed. 2nd rep said there were no accounts on file. Uncooperative in resolving this issue and confirming that my SSN will not be used to open any bank accounts or other financial contracts with BOA. I am not a customer and have not been for almost 30 years. And never will be. screenshots of numerous emails I have received are attached. I have selected CREDIT CARD however, I suspect that this could other accounts that use online banking.
Product: Credit card or prepaid card

Hi, Opened a credit card with Capital One a few months ago. I charged and made payments earlier then the due date. Most paid in full. They just closed my account and reported so my credit score went down. Called them 5 times and will not give me a reason why the account was closed. Only that it is in the terms that we can close any account for any reason. 

Thank you XXXX XXXX
Product: Debt collection

In XXXX, I opened 8 cases with PayPal about unauthorized charges totaling {$400.00} which were rejected by my linked credit cards and as a result my PayPal account was overdrawn by - {$400.00}. I then received a deposit of {$200.00} which was absorbed. I called every week about the status of the 8 cases and was told I had to wait 90 days for resolution then I was told PayPal was waiting for the credit card companies to respond confirming that the activity was fraudulent. I was assured that the balance would NOT go to collections. The next day I literally received a notice of collections. As of today the cases have been closed with no resolution and turned over to collections. I URGENTLY NEED HELP RESOLVING AND GETTING MY {$200.00} back. I will send a demand letter and cc the federal trade commission too. I will also start to gather social media complaints and notify the media to spread my concerns about PayPal. Something is very wrong.
Product: Debt collection

On XX/XX/2021 my mother sent me a message stating that security finance contacted her and divulged my personal financial information to her. It is illegal for them to do so.
Product: Credit reporting or other personal consumer reports

I'm disputing this account on my Experian report because I believe there is an error. According to the Federal Trade Commisions ' guidelines. I am entitled to have in correct or outdated information corrected. I have been trying to resolve this matter, but it is causing unnecessary stress on my financial well-being. I've already contacted the creditor/ collection agency to no avail, and I would like to request that Experian investigate this issue under the provisions of the Fair Credit Reporting Act ( FCRA ) to ensure my credit report is accurate.
Product: Credit card or prepaid card

I have a credit card with Bank of America. I have making my monthly payments. Now, it said my card does not work and I can not obtain a new card. Since my card had not worked for XXXX months and I am still being charged interest.
Product: Student loan

I have tried 3 times to make arrangements on paying back my loans. Every time that I call they only give me the income base choice for repayment. I am still not able to pay the amounts that are offered.
Product: Credit reporting or other personal consumer reports

My rights enacted by the FRCA, FBCA and Privacy Act are in violation by the unaffiliated 3rd party ( s ) this complaint is going to. For items that have been placed on my credit report. I have included attached documents of these items. As per 15 USC 6802 ( b ) and ( c ). I was never provided the knowledge of the opportunity to opt-out of my personal information being reported. I then was also not provided knowledge and instructions on how to optout of my personal information being reported. In addition I have late payments that are being listed that were never verified and violated my rights per 15 USC 1666b. Both the credit furnisher and reporting agencies are in violation of these acts. They are unable to provide adequate verifiable proof. Which has also been attached in the documents uploaded, providing exact types of acceptable proof to have it considered verified. Lack of this acceptable proof based on the claim is lack of Corporate Compliance and a crime. If the proper recordings matching the letters are not rectified within 30 days and updated immediately with proof of the update. I will next exercise my rights to take legal actions. Since both parties are currently the acting fiduciary agents over my entrusted interests and information.

I will take this to federal court to seek the highest claim of the Federal Reserve Act Section 29
Product: Credit reporting or other personal consumer reports

From XX/XX/XXXX until XX/XX/XXXX my mortgage was covered by the state of Ohio program to help with mortgage payments during COVID. My credit report shows my payments were 30 days past due then 90 days past due and then 120 days past due. The program I used for mortgage help through XXXX XXXX was responsible for the payments, which were paid monthly. This 16 month span of derogatory marks that were incorrect have made it nearly impossible for me to refinance my home or look for another mortgage for a new home.
Product: Credit card or prepaid card

Got an email saying I had opened a Target XXXX XXXX. 

Also got a notification from my bank regarding a hard credit pull on my account from XXXX  XXXX XXXX. 

Got an email saying I was approved for credit card at XX/XX/2022 at XXXX XXXX  XXXX.
Product: Credit reporting 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 : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and 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

On dates, XX/XX/XXXX, and XXXX XXXX I made purchases of {$860.00} and {$1200.00}, respectively on XXXX XXXX XXXX I was given an estimate of about a month for the order to be completed and on XX/XX/XXXX, I made my first contact with the merchant to inquiry about the order. The merchant failed to respond. I then reached out again on XX/XX/XXXX, again the merchant failed to respond. Again I reached out on XX/XX/XXXX, this time the merchant responded but failed to provide an update on the order. Finally, on XX/XX/XXXX, I requested a refund from the merchant, which was approved. After two weeks on XX/XX/XXXX, I reached out to the merchant again due to issues with receiving my refund, we then agreed to escalate the issue to my bank. After that correspondence on XX/XX/XXXX, I have been dealing with my bank. On XX/XX/XXXX, I filed a dispute with Chime support for a failed refund. I spoke to an agent on the phone and explicitly stated that I received permission from my seller to accept a refund and that I had not received any goods/services. The dispute was filed and I waited until XX/XX/XXXX when I received an update that my claim was declined. I called my bank and spoke to an agent and they told me that they found in the investigation, evidence of the transaction and receipt of the goods. After hearing this, I got off the phone with them and called the original merchant, and he promised he did not do anything of the sort. I reached out to Chime for the documents they found in their investigation and was shocked to find they found no additional information, and their resolution was reached completely unfairly. On XX/XX/XXXX, I filed a complaint with XXXX XXXX XXXX against Chime, citing the wrongful handling of my dispute. I attached screenshots of my correspondences with the seller dating back to XX/XX/XXXX, but again they claimed the case was handled correctly but I could formally reopen my dispute. On XX/XX/XXXX, I moved again to reopen my dispute with Chime, but they quickly declined again on XX/XX/XXXX. Although I had additional evidence in my dispute, Chime again had no further evidence and rejected my claim with zero basis. I reached out again for the documents they used in their second investigation, but still to this day XX/XX/XXXX, they have failed to return my email.
Product: Money transfer, virtual currency, or money service

Subject : Rebuttal to CFPB Complaint Response Unauthorized Zelle Transactions XX/XX/XXXX Dear Zelle Support, I am writing in response to your letter dated XX/XX/XXXX regarding my CFPB complaint. While I appreciate your acknowledgment, I would like to provide further clarification and supporting evidence regarding my dispute. 

Issue Details : Between XX/XX/XXXX, and XX/XX/XXXX, multiple unauthorized Zelle transactions were made from my XXXX XXXX XXXX bank account : XX/XX/XXXX : Zelle payment to XXXX XXXX {$1400.00} XX/XX/XXXX : Zelle payment to XXXX XXXX {$500.00} XX/XX/XXXX : Zelle payment to XXXX XXXX {$900.00} XX/XX/XXXX : Zelle payment to XXXX XXXX {$500.00} XX/XX/XXXX : Zelle payment from XXXX XXXX {$400.00} The payments to XXXX XXXX and XXXX XXXX were not authorized by me, and I did not knowingly send money to this individual. 

Attempts to Resolve the Issue : 1. Contact with XXXX XXXX XXXX ( XX/XX/XXXX ) : I contacted XXXX dispute department on XX/XX/XXXX, to report the unauthorized Zelle transactions. 
I was informed that since Zelle transactions are considered authorized, they could not guarantee a reversal. 
XXXX directed me to contact Zelle Support for further assistance. 
2. Contact with Zelle Support : On XX/XX/XXXX, I reached out to Zelle Support to dispute the unauthorized transactions. 
I was advised that Zelle does not process payments directly and was again referred back to my bank, leaving me without a clear resolution. 

Supporting Evidence : Attached are screenshots of my XXXX account transactions, highlighting the disputed Zelle payments. 
I have included copies of my communication with XXXX and Zelle regarding my attempts to resolve this matter. 

Requested Resolution : I request a full investigation into these transactions and reimbursement for the unauthorized payments. 
If Zelle is unable to issue a refund, I ask for clear guidance on how to escalate this matter further. 

As this matter involves potential fraud, I expect a more thorough review of my case. If I do not receive a satisfactory response, I will escalate my complaint to regulatory agencies and consider additional legal action. 

Please advise on the next steps at your earliest convenience. 

Sincerely, XXXX XXXX Email : XXXX Phone : XXXX
Product: Credit reporting or other personal consumer reports

Account included in bankruptcy- the customer service rep stated they XXXX XXXX XXXX do not talk to each other - fees were assessed during bankruptcy why the information was not posted to both systems. Payoff given of {$420.00} XXXX payment. Received next day - as of today it has not been posted. No one will return a call or update the file
Product: Payday loan, title loan, or personal loan

I went to Ace on XX/XX/26 for a {$700.00} loan and was given 3 XXXX 4 $ XXXX and 10 XXXX. When I went to the ATM machine about an hour afterwards it wouldnt accept all the bills so I tried another ATM machine about an hour later. Again it wouldnt take all the bills so I only deposited what it would take and spit 1 {$50.00} bill out. When I looked at it noticed its a counterfeit bill and when I tried going back to ACE they were already closed so I called first thing next morning. They pretty much told me it was my problem and I insisted to file a complaint but nobody is calling me back. That store needs to be investigated because they either accepted counterfeit money or have illegal activities going on. Please help me because {$50.00} is a lot for me to lose.
Product: Credit reporting, credit repair services, or other personal consumer reports

All 3 of the credit reporting companies continue to mess up my reports. XXXX  and Equifax are by far the worst. XXXX  removed 4 closed accounts in XX/XX/XXXXafter Equifax rightfully did. The accounts were closed and had been paid off. Now, all 4 are back on there for NO APPARENT REASON! Also, an account that has been verified as not mine because I never lived at the address where the utility company has these reported and verified this with my lease, DL, and its on my credit report as not living there, was removed on XX/XX/XXXX and now Is back on there. I DO NOT HAVE TIME TO MONITOR THIS EVERY XXXX DAY!!!
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in those account to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


XXXX XXXX Never XXXX XXXX XXXX statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

Company reporting Incorrect information. They tried to verify sending lease agreement but I sent in the walk through paperwork showing that I had no additional charges and account still came back verified even though its clear discrepancies
Product: Money transfer, virtual currency, or money service

On XXXX XXXX 2018 XXXX XXXX XXXX sent moneygram to travel agent XXXX XXXX XXXX at XXXX XXXX XXXX il XXXX to XXXX. First said funds picked up XXXX  said funds not received store say transactions incomple call sender XXXX XXXX XXXX. XXXX told glitch in, system now nobody has XXXX and we out XXXX we 've friend on other end needs XXXX. We do n't have XXXX to throw away time of essence moneygram receiptXXXX we need refund receiver needs money important
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022, I went into XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX Fl to try to finance a used vehicle. I know my credit score is not the best but I still tried to apply. I was told that my credit was going to be ran ( which I agreed to ), but I was not aware that my credit was going to be ran many times through 15 different banks. 

Now I have about 17 hard inquiries on my credit score but I did not authorize the dealership to run my credit that many times. I want these inquiries removed if possible because I wouldnt of agreed if I knew this would happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the attached creditors have violated my rights as far as unauthorized 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. 

I did not perform or authorize these inquiries.
Product: Debt collection

XXXX listed a collection on my credit reports that has been placed with Sunrise Credit Service. I have requested debt verification and have not received it. I canceled service due to a move. I returned all equipment to an XXXX XXXX XXXX store. I do not owe this debt and demand that it be removed from my 3 credit bureau 's immediately or I will take legal action.
Product: Debt collection

This been happening since 2018 different collections agency has been trying to collect a debt that I have with XXXX XXXX XXXX.So I never signed any contract with this company and im an att regular ccustomers now this company IC SYSTEM they keep reporting to credit bureaus that I have a debt and before other collections agencies tried to do the same thing but always have been removed because they don't have any proof of this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was compromised due to the Equifax Data Breach. I have several fraudulent accounts listed on my credit report. I have been contacting Equifax for almost 2 years in regards to theses accounts. I have sent in Identity theft affidavits from the FTC, along with police reports from my local police department. I am not getting any resolution from Equifax in regards to these accounts or removing them with the information that has been provided a numerous of times.
Product: Credit reporting 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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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: Credit reporting or other personal consumer reports

On XX/XX/XXXX at XXXX spoke to XXXX XXXX XXXXXXXX mortgage department XXXX XXXX and he said a guy from XXXX XXXX XXXX XXXX is lying saying XXXX XXXX has Clear title using your XXXX XXXX XXXX attached to a fake loan as XXXX for XXXX to XXXX XXXX XXXX dated foreclosure sale XX/XX/XXXX. 


The XXXX XXXX cash XXXX of my XXXX  checks I were informed by XXXX  around XX/XX/XXXX to go make police report and detective XXXX XXXX XXXX has the case XXXX and his last words to me around late XXXX were that my checks got caught up in the mail. I told him that around XX/XX/XXXX I spoke to XXXX in XXXX XXXX XXXX check fraud department investigator and he said that same fake SSN number he used on XXXX Police and the courts is what led to where he cashed your checks into an account known as XXXX XXXX XXXX in XXXX az same as XXXX XXXX support insurance person XXXX  XXXX  at XXXX XXXX XXXX XXXX XXXX just moved her office there a year ago XXXX  XXXX XXXX did XXXX XXXX under fake XXXX really cash my XXXX checks into XXXX XXXX XXXX XXXX your employee XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

CCS collection XXXX Highest Balance {$93.00} Opened XXXX. XXXXXXXX XXXX ( 4 mos ) Account status Closed Type Paid Responsibility Individual Account. 
Remarks No Info Original Creditor Name XXXX XXXXXXXX XXXX XXXX Closed : XXXX XXXX, XXXX After telling this collection agency several times that I did not owe a bill they still proceeded to put this on my credit report from XXXX XXXX, I contacted XXXX they informed me that they gave the CCS credit company updated information for them not to report this information. I also received a refund from XXXX for the mixup. I explain this to the Ccs credit company but instead of them removing it off of my credit report they updated it instead of deleting it. I have went on all reports and asked for a deletion still remains updated. I have voice to CCS that I am in the process of trying to get a loan for a home and they refused to delete wrong information.. it is marked as paid I never paid anything that I did not owe!!! It needs to be deleted.