23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I am writing to address a concerning issue regarding unauthorized withdrawals from my account with Brigit, My account was canceled on XX/XX/XXXX, and yet I have noticed subsequent withdrawals from my account, which is a direct violation of my customer rights. 

On XXXX XXXX, XXXX, I formally canceled my application with Brigit. Per the terms and conditions outlined during the cancellation process, there should have been no further transactions or withdrawals from my account. However, upon reviewing my recent bank statements, I have discovered that withdrawals have continued to be processed even after the cancellation. 

I am deeply concerned about this discrepancy and request an immediate investigation into the matter. I expect a prompt resolution and reimbursement for any unauthorized withdrawals made from my account since the cancellation date. 

Please provide me with a detailed explanation of why these withdrawals occurred despite the cancellation of my account. Additionally, I would appreciate it if you could confirm that no further withdrawals will be processed and that my account has been completely terminated. 

I expect a response to this dispute within XXXX business days from the date of this letter. I want a refund of the charges placed on my account after this date. Failure to address this matter promptly will result in further escalation of this issue. 

Thank you for your attention to this matter. I look forward to a swift resolution. 

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

I have tried to resolve this matter with Experian numerous times please see the attached statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

The US Small Business Administration ODA at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, made two separate unauthorized inquiries on XX/XX/2020 and XX/XX/2020 subsequent to me seeking emergency relief via the SBA Economic Injury due to SBA Disaster Loan Assistance website portal related to the COVID-19 pandemic and Excessive Flooding ( " XXXX - SEVERE STORMS, STRAIGHT-LINE WINDS, TORNADOES, AND FLOODING '' ) in the Mississippi XXXX as a direct response to the declared state of emergencies both Nationwide by the POTUS as well as Statewide by the Governor. Two Economic Injury and Financial Impact requests for assistance were sent to the SBA per the Declarations of Disaster made by Donald J. Trump, President of the United States of America and XXXX XXXX, Governor of the State of Mississippi. 

These SBA generated " hard pulls '' should never have been allowed to effect my credit scores, given the fact that the SBA ODA applications for Economic and Financial Impact relief were in direct response to the Declarations and the request of both the President of the United States and the Governor of Mississippi to file the relief papers with SBA ODA.
Product: Credit reporting or other personal consumer reports

I previously notified Transunion of identity theft. the XXXX account that is showing on my credit report is not mine. Therefore this is a fraudulent account or some time of error on Transunions part
Product: Credit reporting or other personal consumer reports

XXXX is reporting negative information on my credit profile. I've asked them to show the opening contract to prove I opened this account which I did not. They have failed to do so. Instead, they send invoices. Invoices only prove this card someone opened made charges it doesn't show I opened this account or else then yes it would prove I personally made these charges otherwise it's a fraudulent account. THE ATTACHED DOCUMENT IS WHAT THEY RESPONDED WITH ( NOT WHAT I REQUESTED ) NOT A CONTRACT I SIGNED WITH LVNV OR ANY OTHER COMPANY THEY DO BUSINESS WITH.
Product: Credit card or prepaid card

XX/XX/2018 I recieved my direct deposit and the moment i used the card the account was closed. I callsd bbca compass clear spend and they sent me to XXXX XXXX when i asked how i would recieve my money. I need the company to send me my money my check asap.
Product: Debt collection

The debt has been satisfied. They wo n't send a letter of deletion so it will be removed from the bureaus.
Product: Money transfer, virtual currency, or money service

I am formally writing to express my concerns regarding Zelles handling of disputes, particularly with the recent CFPB lawsuit which highlights 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 they would not be able to recover the lost funds and the tracking of these transactions was not feasible. The CFPBs findings indicate Zelle has not only neglected to protect me as a consumer but has also allowed repeat offenders to exploit the system, leaving users like myself vulnerable to scams. This lack of accountability, transparency and trust is unacceptable and raises serious concerns about Zelle and their consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked this company for a investigation on items that was previously disputed I was never provided any results by mail as I asked for in my investigation I attached proof that I asked this company for proof of the outcome of my investigation and it was never received. I consulted a attorney and asked what should I do I was advised to get a police report and ask for a investigation I did that and had yet to here back. I provided this company letter that I received from my local police department and a FTC report and my identification card. When I contacted this company to notified them that I sent this certified mail the company denied ever receiving this information so now I'm filing a complaint because this isn't right and other people should know how they are treating people that are regular American citizens that served this country and was robbed my identity from theft and because this company make money off of people having as many account on there credit report good bad or even if they are destroying your life and your financial freedom I will get justice and I will file a law suit pending the outcome of this complaint. Thanks again
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX accounts below have violated my rights. 

XXXX Bank - XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681, Section 602 A. states I have the right to privacy.

15.U.S.C. 1681. Section 604 A states a consumer reporting agency can not furnisha account without my written Instructions.

15. U.S.C.1692 C states without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Product: Credit card or prepaid card

I set my account with Kohls on auto pay for my payments. I received a collection call from Kohls on XX/XX/XXXX for no payment in XX/XX/XXXX. On XX/XX/XXXX thanking me for setting up auto pay for my account. Come to find out that after you set up auto pay it does not take effect for 2 months. That is not spelled out in the auto pay agreement, which should be so that you know that you need to continue making payments for that time frame. I believe that they intentionally mislead the customer so that they can collect late penalties and negative credit reporting. If they are going to offer autopay to their customers they need to make all facts regarding the time frame for the auto pay to begin.
Product: Debt collection

Optimum Outcomes Inc ( XXXX ) left 17 voicemails ( in just the past 3 months ) and numerous other calls ( some I picked up ) from a debt collection agency, calling every week, not even for me, or debt I owe, for someone I have never even or even heard of ( " XXXX XXXX '' ).

I have been on the Do Not Call list since 2011, and have owned my phone number for over 15 years. No one else but me ever uses my phone, or number. I blocked the debt collection agency and thought the problem was solved ... 

Until today. I just found out that I've missed multiple time-sensitive phone calls from my doctor because this debt collection agency refusing to stop calling and filling up my voicemail. Their actions have resulted in real medical damage to my body. 

THIS IS NOT MY DEBT. 

I am NOT the person they are leaving voicemails for. Them repeatedly calling and filling my voicemail caused me real MEDICAL DAMAGE and I want them held responsible.
Product: Debt collection

Months after I closed my XXXX account last XX/XX/2017, i started getting a {$60.00} bill from XXXX. The bill has no detail. It just says that I owe {$60.00}. They send me the bill by mail and email. I called and and they weren't able to find the account number listed on the bill. They weren't able to tell me anything about the {$60.00} charge. I responded to their email and they never wrote me back. I keep getting the bills every month. I called them a few more times. Same result. Now I'm getting notices from a bill collection agency. Instead of {$60.00}, they are asking for {$160.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two credit card accounts that are open, current, and in good standing with XXXX XXXX XXXX XXXX. 

Neither one of these accounts is listed on my XXXX XXXX credit report. 

I have contacted both Capital One and XXXX XXXX to have this problem fixed, in writing, but with no results. 

I need to have both of these Mastercard Quicksilver credit card accounts to be listed on my XXXX XXXX credit report.
Product: Credit reporting or other personal consumer reports

As per XXXX a XXXX XXXX XXXX  servicer the XXXX  loan was forgiven on XX/XX/XXXX. But did not get reported to the credit bureaus until XX/XX/XXXX. Someone needs to pay me {$1000.00} per month from each credit bureaus. Not reporting on time correct information. This has caused emotional stress and embarrassment. Per the United States code 15 USC 1681.
Product: Debt collection

I was served with a civil action from XXXX XXXX XXXX XXXX in regard to a debt I owe Citibank. I responded in a prompt and timely manner on XX/XX/year>. I attempted to send a letter to them on XX/XX/year> as well. That letter was returned to me as saying the address was not valid, yet it was listed on all of the legal paperwork as their office in the state of Georgia, where I reside. I kept calling the courthouse because I received nothing in regard to the hearing. I finally was able to get in touch with XXXX XXXX to which they told me I missed my court hearing which was scheduled for XXXX XXXX, and if I was not informed, it was the fault of the courts. I went down to the courthouse and the clerk informed me that they didn't file anything, there was no court hearing set and they had no additional information to give me. I called back XXXX XXXX while I was at the clerk 's office and the representative woman on the phone was very evasive, and wouldn't give me any information as to the supposed court hearing. After multiple attempts, she confirmed that I missed this supposed court hearing. The court clerk, upon hearing that confirmed that there was no court date ever established, and no documents were ever subsequently filed. I asked if they wanted to speak with the clerk as I was at the courthouse and they said they were unable to do so. They say all of these calls are recorded so there will be a record of each of these interactions. I will be reporting their office to the XXXX  XXXX XXXX as well as the Georgia Attorney Generals Consumer Protection Division.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Disputed this alleged collection account the last time I disputed them they deleted it off my account then added it back without sending me a reinsertion letter which is pretty disgusting so disgusting its a violation. The company reinserted the account XX/XX/XXXX of this year but The Status Date alone says XX/XX/2019 So how did they verify the alleged collection account and kept last years status date? So I want this account deleted now that i have everything on file with the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an account on my credit report and asked for it to be removed per inaccurate information. I received notification that it wasnt reporting on Equifax report. I called agency because when I pull up my credit report it is still showing and they have no idea on how and why.
Product: Debt collection

I feel like I'm being taken advantage of being ignored of my disputes. XXXX makes it abundantly clear that failure to review a credit report item within 30 days will result in its immediate removal. These entries should be deleted immediately as they are older than 60 days. I require that these accounts be erased immediately ; otherwise, I will sue you for the stress you have given me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed TWO closed medical accounts that are on my Equifax credit report. I received my credit report now these TWO accounts are now FOUR accounts, the same accounts are reporting on my report twice. These accounts have been disputed and removed from other reporting agencies, how are Equifax results accurate? These accounts were also placed in collections, but Equifax still has them with the original creditor, their investigation is not accurate and the accounts need to be removed from my credit report. These accounts are the account numbers and opened on the same day, and same balance, come on CFPB help consumers with these simple costly mistakes. This clearly is a FCRA violation and can be a costly fine.
Product: Money transfer, virtual currency, or money service

PayPal close my account and will not help me with getting it back up and going Im not sure if this is some mistake as I assume it has to be.i have not been able to get help from them since they have been offline and so response from email.i use PayPal frequently and my email is linked to my PayPal account is XXXX XXXX
Product: Student loan

I was a young naive XXXX XXXX XXXX. I attended XXXX, XXXX, XXXX and XXXX. At all of these institutions I was encouraged to take the maximum amount of both federal and student loans and do not have a degree. At XXXX I was encouraged to take the maximum amount allowed on both federal and private by a Financial loans Specialist named XXXX. She would ask for money for helping us get the most money we could. We all would get at least XXXX XXXX dollars after loans payments were disbursed. This was happening for a high number of us attending the location in XXXX TN. I am now XXXX old no degree and over XXXX in federal and private student loans.
Product: Debt collection

I contacted Collection Professionals Incorporated by mail on XX/XX/XXXX regarding money that I allegedly owed. I stated at this time that I believed the debt was not valid. I received additional documentation of the debt. I contacted the company on XX/XX/XXXX to dispute the charges. XXXX, the office manager, stated that I hadn't paid for services rendered. I stated that this was incorrect. She pulled the file and said that the debt appeared to be related to an employment dispute. She said that she would contact the other party and get back to me. I have a contemporaneous memo regarding all of this. I never heard anything. On XX/XX/XXXX I was served paperwork regarding a civil suit for this matter. Upon speaking with the company on XXXX XXXX, I learned that XXXX documented on XX/XX/XXXX that the debt was verified, which was blatantly false. I have contacted the attorney to notify them of my intent to defend. However, the company has also reported this collection attempt to the credit bureaus. Therefore, I also allege that this constitutes abuse, as I was reported for debt that hasn't even been verified. Lastly, I have also been charged limbo and additional legal fees during this time where I was in limbo.
Product: Credit reporting or other personal consumer reports

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for reference
Product: Vehicle loan or lease

Mid-Atlantic Finance Amount : XXXX The creditor 's fail to accurately reflect multiple payments made by me. It's to my knowledge that the creditor failed to furnish me with a statement prior, which ought to render any ramifications of late payments regarding the linked accounts. I am in pursuit of concrete evidence from the creditor 's bank records that will support the assertion that I failed to make a payment, resulting in an erroneous designation as late-a sign of an invoicing error-therefore I humbly request that the subsequent entries be promptly updated on my consumer report to reflect their current status as follows : paid as agreed. 
I reached out to the consumer and made them aware of my identity theft, but the creditor took no action.
Product: Prepaid card

Last time I contacted them was XX/XX/. This was the last time out of many. All they can tell me is that the dispute claim has been in the back office for about a year. They say theres no way to get in touch with the back office. They dont have a number or email. That you have to wait for them to contact you. I have a claim number. They should have at least have provisional credit. The claim is for about {$7000.00}.
Product: Student loan

Fedloan reported delinquency on loan payments by failing to allocate payments correctly. I, the borrower, submitted the required payments as agreed, of which it is solely Fedloans responsibility to allocate the payments to all sequences of loans. Only Fedloan has power to allocate payments. As a Borrower, am can only submit a payment as whole, of which Fedloan segments and allocates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and the accounts listed, do not belong to me.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Company Name : Great Lakes Company Type : Private Year Founded : XX/XX/XXXX Phone : ( XXXX ) XXXX Website : www.mygreatlakes.org Stafford Loans U.S. DEPARTMENT OF EDUCATION ( XXXX ) Payment Reference Number : XXXX I have two student loan providers Great Lakes and XXXX. And Great lakes is horrible. 
I am completely dissatisfied with Great Lakes. I have both a subsidized and unsubsidized loan at a higher interest rate. I am writing this complaint to warn CFPB and other students who have loans or any associations with this company. Make sure to document " everything. " There is some serious unethical practices going on with this company and someone needs to make them accountable for what they are doing to consumers. They are not competent to manage any data in regards to loans. This is ruining my life, I lost the house I was in contract to buy right before it closed. Now I am stuck, and someone else bought the house it took me 2 years to find! My credit went from XXXX to XXXX.. 300 point drop form a 90-180 days or more past due DELINQUENCIES I Filed disputes with Credit B 's and I even called on XX/XX/XXXX and speak with the agent XXXX XXXX XXXX and the supervisor XXXX Ext XXXX I also emailed her. she looked into the account and could n't explained why my old account ending in XXXX from XX/XX/XXXX was still showing up as negative when I have a new account ( XXXX ) thats positive and paid as agreed she also advise me to dispute the old closed negative account which I explained to her I did multiple times and its still there. I only hope is to file a complaint to get those late payments or entire old account removed. I have been making all my payments and understand it is my responsibility to pay my loans. This is seriously effecting my life, already lost the house, now my car is breaking down, and can not get approved to get another one because of these late payments. The late payments were reported on XX/XX/XXXX through XX/XX/XXXX on all three CB '' s as serious delinquencies. I currently have an account that I 've been paying on time for 12 or more even when my account is in forbearance I still call in and make a payment. 
The dates are listed below. 

XXXX ACCOUNT NUMBER : XXXX XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XXXX- ACCOUNT NUMBER : XXXX XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XXXX- ACCOUNT NUMBER : XXXX XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I opened a XXXX XXXX card in store. I paid the balance in full. I never activated the card. I received a bill and was told the balance was from purchases. I said I never even activated the card and I paid for the one purchase I did make. They then said my payment was late and charged {$100.00} in fees. I asked for proof it was late and proof of how the amount jumped to {$100.00}. I received no proof. I asked them to close the account. They refused and called multiple times a day. I filed a complaint with your agency and although they said they closed the account, they still call me and my credit score dropped from high XXXX to low XXXX over this one derogatory lie! I cant believe this credit card company is allowed to extort money through fraud and I as the consumer am suffering dearly! This is not right. They are literally extorting money from consumers by fraud!
Product: Credit reporting, credit repair services, or other personal consumer reports

LoanCare servicing is reporting an erroneous late and it must be removed. I recently checked my credit report and was very confused when I saw a late was showing up on this account for XX/XX/21. Loancare sold this account to XXXX and I have been paying XXXX now for my mortgage payment. I was never late on my Loan care account as we had it set to auto draft, however in XX/XX/XXXX my wife noticed that the payment didn't come out of the account so she called and spoke to a representative about this. The representative said that the account was sold and the XX/XX/XXXX payment had to be made to XXXX. She then called XXXX and made that payment and we have been paying them instead. However, on my credit report Loancare is reporting a late for XX/XX/XXXX when I wasn't supposed to pay them? I made my mortgage payment on time, and did as advised and paid XXXX because they are now handling my account. This late is not my fault and it must be removed.