23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have an Ulta Credit Card that is serviced by Bread Financial. 

I have never been late on this card and always pay the full balance that is due. 

I thought I had autopayment set up on this card and did not and paid the balance in full on XX/XX/24. 

I emailed them through their message system to advise them of this and asked for the late fee to be waived on {$29.00}. They confirmed in email that they would credit back the late fee on XX/XX/24 however the credit was not the full amount and only {$15.00}. 

I emailed them back on XX/XX/24 and requested the full fee to be waived of {$29.00} as they only credited a partial fee. 

XX/XX/24 they emailed back and sent me a long auto draft email on disputing a charge and did not fix the issue. 

XX/XX/24 I emailed them again and asked that the full late fee of {$29.00} be refunded per their original confirmation that it would be credited on XX/XX/24. 

XX/XX/24 they emailed with an auto email stating that they had credited me back {$15.00} late fee and that I was not eligible for another credit. They did not answer why the full late fee was not credited at all. 

XX/XX/24 I sent another email advising them that they did not credit me back the full late fee of {$29.00}. 

XX/XX/24 - I sent an email requesting the full late fee be credited, I expressed total dissatisfaction and asked to speak to a supervisor. 

XX/XX/24 - they sent an email back with the same auto response that I had received a credit of {$15.00} and also how late fees are charged. I did not speak to a supervisor nor was my issue escalated.
Product: Money transfer, virtual currency, or money service

I am typing to formally express my concerns regarding Zelles handling 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, credit repair services, or other personal consumer reports

I DID NOT GIVE THESE COMPANIES PRIMISSION, OR WRITTEN CONSENT TO RUN MY CREDIT REPORT. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

After contacting Santander Consumer USA customer service portal via telephone on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, to ascertain an agreement via the CSR concerning the {$450.00} ( at that time ) payment due on the vehicle and requesting a copy of the full contract initiated in 2016. I received a notice dated a week past, with the threat of repossession of my vehicle for a past due date of thirty days. This company has settled a {$550.00} mil predatory loan lawsuit with 34 other states, and now is applying threats and harassment to individuals not included in the settlement ( Texans ). I am requesting loan forgiveness and the car title to the vehicle purchased in XX/XX/XXXXwith a remaining balance ( principle ) of {$12.00}, 560.84, ( interest ) to date paid {$18000.00}.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Lost XXXX XXXX XXXX, NC XXXX XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX **Subject : Formal Dispute of Inaccurate Information on Credit Report - XXXX XXXX XXXX Dear Experian Dispute Department, I am writing to formally dispute the following inaccurate items on my Experian credit report : 1. **Auto Loan with XXXX  XXXX XXXX XXXX Account Number : XXXX - Reported : XXXX. XXXX, XXXX  - Balance : {$5600.00} - Status : Closed, In Repossession - Remarks : This account is inaccurately reported as derogatory with a repossession status. I have no involvement with this loan.

2. **Credit Card with XXXX XXXX** - Reported : XXXX. XXXX, 2024 - Balance : {$530.00} - Status : Closed, Charged off as bad debt - Remarks : This account is erroneously reported as charged off. There is no record of my ownership or transactions related to this credit card. 

XXXX. **Unauthorized Hard Inquiries** - Multiple unauthorized inquiries from various institutions, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and others, are listed on my report without my authorization or knowledge. 

Enclosed are copies of documents verifying my identity, including my driver 's license and a recent utility bill. In accordance with XXXX XXXX guidelines and the FCRA, I request Experian to conduct a thorough investigation into these matters and promptly delete or correct the inaccurate information from my credit file. 

Please provide me with a written confirmation once the investigation is complete and the necessary corrections have been made. 

Thank you for your prompt attention to this matter. I look forward to your timely response. 

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

hello my name is XXXX XXXX i have an error on my credit file has and error i calls a dozen times to correct and sent countless letters to have remove that is which is due to fraud and is still giving fraudster access to my credit information here are the addresses XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX please im begging you to remove these addresses immediately the only address that should be listed is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and remove phone number XXXX which is a fraudulent phone number used to obtain credit, this is stoping me from helping my XXXX son from getting surgery please help and remove this is hurting my family
Product: Credit reporting or other personal consumer reports

I recently conducted an investigation of my credit report and am writing to verify that the negative accounts listed are not mine.

Under 15 U.S. Code 1681 ( a ) ( 4 ), I have a consumer right to privacy. By reporting fraudulent accounts that do not belong to me, you are infringing on my privacy. Congress has affirmed my right to determine what information I deem private.

I consider these negative accounts to be private and do not consent to their inclusion on my credit report. Additionally, under FDCPA 807, these negative accounts represent false and misleading reporting.

Per 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ), the law states : ( a ) " A consumer reporting agency may furnish a consumer report only under the following circumstances and no other : ( 2 ) By the written instructions of the consumer to whom it relates. '' I have not provided written authorization for these accounts to be reported, as required by law.

Furthermore, under 15 U.S. Code 6802, I have the right to opt out of any sharing of my non-public information with a financial institution, its affiliates, or any non-affiliated third party unless I have received proper notice. I have not received such a notice.

Based on the above, I request that you immediately remove these negative accounts from my credit report.
Product: Credit reporting

On XXXX, I was declared XXXX by XXXX. I did n't have income and I overdraft my checking account. In XXXX XXXX, I begun to work again and I wanted to pay and continue using my checking account but the bank closed it and told me I have a balance for {$1500.00} aprox. I told them I wanted to pay and asked if they could give me a discount, they agreed to discount % XXXX so I paid {$1200.00} aprox and they open another checking account. On XXXX XXXX, I open an account with a credit union offered as benefit from my employer and after gave the member number, online access and pay {$20.00}, they sent me XXXX line email asking for proof that I took care of that balance. I was n't sure what they were talking about, because I have no knowledge of any balance with my bank so I asked them to provide any information so I could verify it. The credit union wont provide the a copy of the information but when I told them I would need some info to find out what was happening they told me that it was reported to chexsystems in XXXX XXXX and with a {$1700.00} aprox balance and that the checking account was closed by them, with a mark of " abuse ''. I asked them what does it mean and they told me I overdraft the checking account. I told the credit union that that info was n't right, that it 's an error and asked them what they want me to do to demonstrate it. The lady, who is the credit union CEO, told me that no matter what I show to her she will not allow my account. Two days later I received a check for {$20.00} and no explanation of expulsion. I have been wrongfully expelled, I talked with the bank and they told me they will updated chexsystems between the last Saturday and the next XXXX and also they will provide a letter specifying I paid on XXXX in full and there is no balance. When I talked by phone with the credit union to apply for membership they treated me normally but when I arrived to the branch they changed completely and ignored me until they saw I stayed there waiting for them to attend me. Then they made all the process impossible, first to get the member number, then the online account, then the verification of the balance with the other bank. I even offered to show the statements so they could see I paid the balance but first the asked for a phone number on the bank, then a letter and when I told them I was expecting it in the next few days the CEO told me she did n't care and I left. I also consider they have discriminated against me because national origin and XXXX.
Product: Credit reporting or other personal consumer reports

Under 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. 

XXXX XXXX XXXX # : XXXX, XXXX XXXX XXXX  XXXX # : XXXX, XXXX XXXX # : XXXX, XXXX XXXX XXXX XXXX  # : XXXX, DEPT OF ED/XXXX XXXX # XXXX, XXXX XXXX # : XXXX, XXXX XXXX XXXXXXXX XXXX # : XXXX, XXXX XXXX XXXX XXXX # : XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : XXXX, XXXX XXXX # : XXXX, XXXX XXXX XXXX XXXX  # : XXXX, XXXX XXXX XXXX XXXX # : 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 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 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.

I looked at my Equifax credit report on August 7, 2024, and noticed some incomplete and inaccurate things. According to the Fair Credit Reporting Act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

According to 15 USC 1681 5, they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2, they are supposed not to 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 card

My intent was to purchase tickets for around {$50.00}, in an instant my card was charged $ XXXX without my knowledge or authorization. I contacted the merchant immediately indicating it was an error. They refused to help me and bc it was a time-sensitive issue, i issued a stop payment on the amount. I was assured that it would not process. I found out later that it went through bc the merchant pushed it through by changing their name. I then filed a chargeback and was denied. I did not authorize this purchase, did not receive the goods that were sold and believe that i should be able to retain the money.
Product: Mortgage

XXXX XXXX XXXX In reference To our telephone conversation today XXXX XXXX, I am absolutely appalled by the behavior of Union Bank! One might say! I 'm guilty by association! I told you in the beginning that we did not have intentions to continue business as a XXXX, I also sent you a letter from our accountant. I did a lot of research for you to send you certain documentation which A considerable amount of time, you have me into a very precarious position, as of XXXX XXXX my existing loan has adjusted to an increase of approximately {$2000.00}. You have taken over a month to finally let me know your decision, I was told in under the impression when I authorize charging my account for {$490.00} in going forward which included appraisals and other things which were never done! I never received an appointment from the appraiser or any communication except for the fact that you called me and asked me why I canceled the appraisal? News to me I told you, so I 'm assuming this was done internally within Union Bank I am requesting that you return my {$490.00} immediately, or I will have no choice but to file complaints with explanation to certain authorities, this was not fair nor businesslike. I wish all of you the best. 
Best wishes XXXX XXXX I told XXXX in the beginning I do not have any intention of continuing on with the XXXX before I made application to Union Bank. He checked and said there would not be a problem since I was providing him with a letter from my accountant which I did. As we continued of course after they got my {$490.00} he came back and said their underwriter said they could not do the loan since I was a XXXX the deposit of {$490.00} was also for a appraisal and other things which were never done by Union Bank I am requesting the return of my $ XXXXHow complaint can be satisfactorily addressedReturn of my {$490.00} from Union Bank
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an ITEMS passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. Here are the list of items to be dispute : 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: Mortgage

On XX/XX/16 I contacted XXXX Bank via the number on my statement and followed the automated system directly to an option to request a payoff. Once there I was placed on a XXXX minute hold. The customer service rep ( XXXX ) revalidated all of my information and then offered to send a payoff via fax or standard mail, no email option available. I provided a fax number and was advised that I may have the payoff in an hour. My new lender requested that the payoff or additional documentation be provided noting that no further charges would be allowed and that the account was frozen/suspended until payoff. This request was met with confusion by my customer service rep who then offered to get me to someone to help. She transferred me after a XXXX minute hold to a licensed mortgage originator who absolutely could not help. The originator said that she could certainly get me where I needed to go placed me on hold and then terminated the call. 

Then to add insult to injury when I emailed XXXX to advise of my experience and avoid any more time on hold, nearly XXXX minutes invested into requesting a payoff, my email bounced back as undeliverable. I firmly believe that once I advised that the purpose of the request being for a refinance that the delays and misdirection started. I could not get a straight answer concerning additional fees related to the payoff, any penalties, closing fees, release fees, etc. All information that my new lender will need to properly process the refinance. What a miserable experience.
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND THESE ARE DAMAGING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT BECAUSE THESE ARE PURELY IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Account Name : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - Balance : {$2700.00} Account Name : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - Balance : {$7200.00} Account Name : XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX  - Balance : {$1200.00} Account Name : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - Balance : {$7100.00} UNAUTHORIZED INQUIRIES : 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

I am being hit with a hard inquiry on XX/XX/2017 from XXXX XXXX. I had called the company a while ago and they said they would remove hard inquiry as this was fraud and not authorized me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts were disputed but transunion never updated theses accounts as being disputed. 

US DEPT OF EDUCATION Closed Closed on XX/XX/2017 US DEPT OF EDUCATION Closed Closed on XX/XX/2017 US DEPT OF EDUCATION Closed Closed on XX/XX/2017 DEPT OF ED/XXXX   Closed Closed on XX/XX/2017 DEPT OF ED/XXXX Closed Closed on XX/XX/2017 DEPT OF ED/XXXX  Closed Closed on XX/XX/2017 2017
Product: Debt collection

The bill is not my responsiblity which i have stated once before it is in my brothers name due to he is the patient i am not resposible in any way shape or am not paying on it
Product: Debt collection

Wells Fargo took {$10000.00} from my account with no due process or prior notification that this would occur. The debit on my accounts only had the name of a law firm I did not know and a phone number from a city I had not visited in over 10 years. After some investigation I found that Wells Fargo had taken my money due to a court order against another individual with the same name. I spoke with the lawyer listed on the debit, and he worked with the Wells Fargo lawyer to return my money. 
While I am glad to have my money back I am still troubled by the gross negligence displayed by the bank in taking the money out of my account without verifying any personal information beyond my name ( no SSN, no DoB, etc ). When I asked the bank for an explanation they offered none, then after originally agreeing to escalate the issue to their executive office they began an endless loop of transferring my call to other office that could not help. 
I was lucky to catch this transgression when I did, and even luckier that I was able to live for a short time without the funds they took, but that does not excuse the reckless behavior of Wells Fargo. I hereby ask the CFPB to investigate Wells Fargo in their lack of due diligence when paying debt collectors and prosecute the bank for any illegal activities that the Bureau uncovers.
Product: Mortgage

In XXXX I financed my house. The payment we agreed on in contract is {$1000.00} and {$20.00} extra towards principle as my mortgage monthly payment for 30 years fixed. The total loan amount is $ XXXX and 4 % APR. However in the last few months my mortgage monthly payment went up to {$1200.00} including the {$20.00} towards principal. So my mortgage payments went up about {$120.00}. 
I called my lender, PACIFIC UNION FINANCIAL, they said it 's because the property taxes went up in XX/XX/XXXX, which is right after I moved in to the house. However the increase in payment and the letter I received for the increase started around XX/XX/XXXX. 
My concern is that I agreed on a payment that I 'm I can afford and comfortable with. However I ended up paying more which is affecting me in a negative way and I am afraid I will fall behind soon.
Product: Credit reporting or other personal consumer reports

I have previously submitted disputes to the major credit bureaus regarding multiple fraudulent accounts that were reported on my credit file. These accounts are as follows : XXXX XXXX Account Number : XXXX XXXXXXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number XXXX XXXX These accounts were disputed on the grounds of identity theft following a widespread data breach impacting millions of consumers. Despite my efforts to correct these inaccuracies through disputes under Section 1681i of the Fair Credit Reporting Act ( FCRA ), the responses from the credit bureaus have been unsatisfactory. The fraudulent accounts have not been removed, impacting my credit score and causing significant financial and emotional distress. 

I have attached all relevant correspondence with the credit bureaus, including my dispute letters and the supporting documentation provided to prove my identity and to substantiate the claim of fraud. 

This unresolved issue has compelled me to seek intervention from the Consumer Financial Protection Bureau to ensure a just resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the account referenced XXXX XXXX XXXX. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FCRA, I have contacted the creditor myself and have been unable to get them to verify that this is indeed my debt. I enclose copies of my requests to the creditor as well as the credit reporting agency, asking them to validate my debts, and the receipts showing that I sent these letters certified signature requested. This debt is not mine and I was given no evidence of my obligation to pay this debt. Stop reporting this information on my credit report for failure to legally verify. Please see the attached letters which are dated and time stamped.