23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XXXX XXXX, I received both a phone voice message and a text alert saying from Ally Card Alerts saying did I purchase XXXX XXXX XXXX charges from XXXX Texas. I did not rent or buy anything from XXXXXXXX XXXX XXXXXXXX on this date or any dates. My home address is XXXX XXXX XXXX XXXX PA XXXX, I have no family or friends that live in XXXX Texas. 
I filed a fraud claim with Ally and thought this was going to be extremely easy, especially since Ally warned me first about the fraudulent transactions. 
Once I filed the fraud claim, Ally has been horrible. I contacted them by phone on multiple occasions, sent them requested information. Today I received a written notice that I am responsible for these charges. This is absolutely horrible and a clear case that Ally does not want to offer me the fraud protection is the company states it has. Please help me get resolution in this matter. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive just reviewed a copy of my credit report and to my surprise, have found that the following information is reporting inaccurately. Please remove this from my credit report within 30 calendar days. Ive been informed by council that if you can not complete your investigation in 30 days, then these disputes must be removed by default. Here is the information that I need removed. 

XXXX XXXX XXXX  3 late payments Late payments are illegal & should not be reporting on my credit report under law 15 USC 1681 A Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or ( D ) a communication described in subsection ( o ) or ( x ). [ 1 ]
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX XXXX XXXX XXXX XXXX Account name : # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account name : # 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 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: Debt collection

Rentdebt Automated Collection has place a inquiry of {$2800.00} on my credit report from previous apartment rental. 
My leasing agreement was fulfilled and I was allowed to stay a additional two more weeks until my new residence was available. I paid the pro-rated daily amount that I used and stayed till the end of my entire lease never missing a payment. A letter not to renew was provided to the leasing agent. 
A few months later I received a enormous balance due of {$2800.00}. 
Spoke to the rental leasing office the gentlemen there said he was able to remove some of the bogus charges that the manager at the time place on my account but that was the best he could do. 
This is not acceptable as to they had no real grounds to charge me these fees and were placed on there without any accuracy. 
In addition the apartment was rented immediately after I moved so no funds were lost from the company from my vacated the property. 
Please remove this inaccurate information from my credit report.
Product: Student loan

We never received the 1098-E form for our taxes. Have tried to login, keeps saying password is incorrect. Have completed the password reset multiple times, have not received email to reset. Tried to call all three phone numbers available, they have all been disconnected. We had issues last year when the company acquired loans from ACS. Payment had been set up as auto payment, and never received notice that loan owner was changing. Had several late/missing payments before they called looking, which was the first we heard of the change.
Product: Checking or savings account

Citizens bank continues to take money off of me for a service fee but failed to tell me they were even taking any money from my account! 
I want my XXXX cents back from them and then to completely close the account, get my money out while I close my account and be done with that bank indefinitely
Product: Checking or savings account

On XX/XX/XXXX I woke up to XXXX unauthorized charges from my checking account that amounted to {$2300.00}. XXXX of the charges fell off as the merchant did not end up taking it as I closed my card down very quickly. There are now XXXX unauthorized charges that individually are {$400.00}, {$890.00} and {$740.00}. The XXXX larger charges are for XXXX flights and the smaller XXXX is for XXXX XXXX  XXXX. 

Ive submitted now XXXX fraud claims with Citibank and each one has been denied as they claim since it was my debit card used I was the one who authorized the charges. 

I went ahead and called the merchants and confirmed with them that my name is not on any of these purchases nor do I have open accounts with either of them. 

Citibank has this information and still wont give me my money back and has now made me wait a month for my money. 

I also on XX/XX/XXXX went to a branch to get help in person and they turned me away.
Product: Credit reporting

Experian has inquiries on my credit report that do not belong to me. I never authorized the following inquiries. XXXX, XXXX, XXXX, XXXX XXXX XXXX. I was unaware of the inquires until viewing my credit reports. I have attached a letter from XXXX Bank for XXXX. When I had them to send the letter to XXXX, I was unaware that it was a XXXX inquiry on my Experian report. The other organizations informed me to dispute directly dispute with Experian. I am asking Experian remove the fraudulent reports. Also, I noticed that one of the addresses that you have listed as XXXX # XXXX XXXX XXXX FL XXXX. This address is not correct, please delete.
Product: Credit reporting, credit repair services, or other personal consumer reports

1 ) I have sent letters to the credit reporting agencies : XXXX, XXXX, and Experian, in XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX in regards to multiple accounts that are out of the statue of Limitations in the amounts of {$7900.00}, {$5200.00} and {$780.00}. 2 ) The companies have sent  automatic been verified letter, but none of the companies have responded to my request with documentation or evidence. I have also called them multiple times with the requests to have the accounts removed. The requests were denied. 
My next step is to start a litigation again the three major credit reporting agencies.
Product: Mortgage

I started a conventional refinance in XXXX of 2020 with Loan Depot The companies ratings are fair at best, but seemed to be good with customers with good credit score wanting a conventional refinance We talked to the loan representative and gave them all data required to process loan. 
Then we downloaded all documents requested immediately. By the end of XXXX rep is telling us all is a go and the loan is in underwriting. Should be processed in a couple days and then ready to close by beginning of XXXX Come mid XXXX it's held up because of trust. From then on the company kept giving excuses and each department couldn't give any information. Now end of XXXX loan going well should close by end of month Loan rep says they re just looking for a notary to finish the closing. 
XX/XX/XXXX nothing. I then contacted 2 people in management. Their now telling me a processor screwed up and they have to send the loan back to the sales team. 
It's now cost me over XXXX dollars because we missed the XX/XX/XXXX refinance date
Product: Credit reporting or other personal consumer reports

Now the truth is out about all these different frauds including stolen identity by your client fake XXXX XXXX XXXX fake SSN numbers XXXX and XXXX here in our country XXXX XXXX XXXX and used those fake titles including XXXX XXXXXXXX XXXX XXXX  on those loans as you say I started loan XXXX and absolutely have never done business with XXXX XXXX and that fake title as a XXXX  got reported as XXXX. He also got a credit card in my name with XXXX  XXXX as ending XXXX. Then with XXXX XXXX XXXX  ending XXXX, XXXX, XXXX and XXXX confirmed by another XXXX XXXX XXXX XXXX ext. XXXX still claim no XXXX unpaid. Then he use a fake lender that do not exist NOT XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX id # XXXX on XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX XXXXXXXX, do not exist. Then around XX/XX/XXXX XXXX  informed me he cash XXXX checks in my name XXXX. XX/XX/XXXX XXXX. Mailed on by XXXX  supervisor XXXX on XX/XX/XXXX to the XXXX he cashed. They informed me to make police report and I did as XXXX Det. XXXX XXXX XXXX that he cash XXXX XXXX XXXX XXXX XXXX still unpaid. I received notice from XXXX XXXX no XXXX that Tradelines - XXXX XXXX  Resolve XX/XX/XXXX and XXXX has confirmed my loan were paid off in XXXX.
Product: Debt collection

In XXXX, I phone XXXX XXXX XXXX Mastercard to close my credit card account. At that time, I was not informed that I needed to submit any follow up written letter to close the account. I assumed that the account was closed much like when you lose a credit card. 
Later that year, on the anniversary of my membership, I received a credit card statement with a membership fee of {$100.00}. I assumed that it was in error and ignored subsequent statements because I wasn't renewing the membership. 
In XX/XX/XXXX, I received a letter from XXXX XXXX stating that my XXXX XXXX XXXX Mastercard was in arrears. I contacted Resurgent Capital Services to protest and stated that I wasn't going to pay the charge as I didn't want a membership. They stated that I had to have proof that I had called XXXX XXXX XXXX Mastercard to close the account. This is proof I do not have. 
In XX/XX/XXXX, I wrote Resurgent Capital Services asking that they resolve the matter and erase the debt. XX/XX/XXXX, I received a letter from Resurgent Capital Services saying that without proof of my closing the account, nothing can be done. 
I am appealing to you for help.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score is very low because 89 % of my credit is used but this is not true. First, I am disputing the mortgage balance of an additional XXXX that was fraudulently added and second, I've paid down credit cards and this is not reflected on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX have contacted the following bureaus now for over an year to delete the following account and it has been refused to be removed. I mailed a dispute for this same account more than 6 times. I have submitted Fraud Affidavits, and police reports. This information still remains on my credit report negatively affecting me from pursuing purchases or credit cards. 

XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1.Identity theft Account XXXX XXXX XXXX XXXX ( {$1700.00} ) XXXX XXXX XXXX, XXXX, DE XXXX Opening date : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a Affidavit, and police report. Please investigate and remove from my credit report. 






Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 2.Identity theft Account XXXX XXXX XXXX XXXX ( {$1700.00} ) XXXX XXXX XXXX, XXXX, DE XXXX Opening date : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a Affidavit, and police report. Please investigate and remove from my credit report.
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. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2900.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$630.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX 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 an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like all of my unauthorized Inquiries, my derogatory remarks, late payments, public records, closed accounts, and student loan accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report. 

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions XXXX XXXX XXXX in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Product: Credit card or prepaid card

I called Synchrony Bank on numerous occasions and they disconnected me on numerous occasions when I was trying to understand why they were charging me so much interest. I asked what I owed without finance charges and they stated {$2500.00} which I paid. I pay on line Each month automatically and paid more than required each month. They told me I had two different promotions but the statement I received stated promotion ends XX/XX/22, so I paid it off. They are charging me over {$900.00} in interest. I told them I disputed that and they told me I had to write to bank. I asked who to address it to and they said they had no name, just gave me address and said it would get resolved. I wrote them a month ago and have not heard anything. The statement is very misleading. I have excellent credit and have always paid them on time. When I called again on XXXX, I was disconnected again two times. I feel I should have a XXXX  balance. They told me I was paid up and not being charged interest but statement reflects I owe {$900.00}. Please help me resolve this very unfair problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is reporting inaccurate information. The account was never late. I bought a car unfortunately the car was totaled within the first week of ownership. I paid XXXX months payment upfront. I had full coverage insurance on the car also XXXX insurance from the dealership so the car should be paid in full with no balance and list as positive credit.
Product: Payday loan

i applied for a loan through Big pic loans. They said they were nit a payday loan and my payment would monthly. I paid my first payment on XXXX XXXX. On XXXX XXXX they took an additionL payment out. I called ca and they said i agreed to biweekly payments. I asked for the phone transcripts to verify what i was told on the phone. The said that they could no longer provide phone transcripts. They referred me to my contract several times. I tried expalining to them that what i was told and what they did is differenntthan what what i was tild. I signed the contract based on the phone call. And what the customer service person tomd me. I asked sevwral times if thia was a payday loan amd ahe said it was not. This is a decptive lender. I have paid XXXX on an XXXX loan to date but still owe XXXX pribably more. When i took the loan based in one monthly payment the loan was to be paid in one year. Now because if i now this loan will never get paid off due to the extreme interest rate and based on the fact that i was figuring once a month not twice. I am willing to pay back the XXXX with a resoanable interest but its not possible with the fees ans interest they are charfing. I have placed a stop on my bank account so they can not pull money out of it. Today a payment was due according to there records but can not pay biweekly i never would have agreed to biweekly payments. I need this resolved before it gets out if control and phine calls start. If i have already paid XXXX then i owe XXXX more with a reasonable interest rate. I wasnt able to se the interest rate until after i signed. It is impossible to pay this back. I am also scared of what they can do since they are a triba company. I need a resolution to this as soon as possible to date i have not received fees becauae i paid to stop all payments frim this company. My bank is aware that they may try a different ame and amount so we are monitoring my account. I paid XXXX to stip payments from them. I have demaded that the company remove my account info from direct debit. They said they would but i am being proCtive against them so since today was the first ao called missed payment i dont know what they will do expect charge me ridiculous fees. When they start harassing me i will privide proof. I dis not agree to biweekly paymnets and i do not get paid biweekly so they also changed my application by updating my pay info. This company need to be stopped. They advertise specifucally they they are not a payday loan.but they are in the worse way very deceptive. I also want to make sure they dont destroy my credit by updating it charge off. Also because they took an unautoeizsd payment out of my account my other bills did t get paid this is a horrible company that uses lies to run their company legal action should be taken against them.
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 unfeasible. 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. 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 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.