23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

my personal info shows a bunch of different names and addresses reporting. the only name should be XXXX XXXX XXXX all other names are incorrect and false these are the names that are wrong XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX all off the wrong names that are not XXXX XXXX XXXX is attached to accounts not mine please have these names removed
Product: Credit reporting or other personal consumer reports

Consumer Name : [ XXXX XXXX XXXX ] Consumer XXXX : [ XXXX ] Consumer SSN : [ XXXX ] Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : [ XXXX XXXX XXXX XXXX ( CLOSED ) Account Number XXXX Reported Balance {$0.00} with a bal. of {$0.00}, XXXX XXXX  ( CLOSED ) Account Number XXXX Reported Balance {$0.00}. 

These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal ComplaintFTC Report Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 : States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat ant on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Mortgage

After over four years of applying for a Mortgage Modification on a Balloon Loan ( originally purchased from Countrywide Mortgage in an example of Bait and Switch Predatory Lending XX/XX/XXXX ), and waiting for Bank of America 's delays for those XXXX years, BOA made an offer called a " Home Equity Loan Modification. '' 1. The loan was NEVER an Equity Loan. It was always a Balloon Loan. We have the original loan documents that prove this. ( The loan was signed at the same time as the larger loan. Countrywide split the loan into XXXX the day of the signing ) 2. The documents in the offer needed to be signed and returned by XX/XX/XXXX. We did not receive the package until XX/XX/XXXX ( We were in Florida for XXXX and had our mail stopped for a week. We have evidence of this ) 3. The offer did not contain a monthly payment amount. ( when we called for more information, we were told the monthly payment would change because this was a " flexible rate home equity loan line of credit '' This was the first time we ever heard this. ) 4. The offer did NOT contain an interest rate for the loan. ( I believe the bank is required to disclose all the terms of a loan in the loan documents. ) 5. This offer is a BALLOON loan offer. The total amount due ( around XXXX dollars ) is due XX/XX/XXXX. According to the CFPB website Balloon loans are no longer allowed. 
6. The XXXX number provided on the loan offer is no longer used by BOA. We had to speak to XXXX different representatives over the phone to find out that XXXX is no longer checked for messages. We left three messages on that number and never received a return call ) In conclusion, Bank of America is acting as a predatory lender, violating truth in lending requirements and violating the CFPB regulations.
Product: Credit reporting

I have asked Equifax and XXXX XXXX XXXX and XXXX XXXX to send me information on this XXXX XXXX. This is supposedly the Dr I owe money to. I have never seen this Dr and they refuse to sent me information on this debt. I ask them how they can ] ] place something on someone credit and not have to verify the debt. The XXXX XXXX said they sent this back to the Dr as uncollectable and this XXXX XXXX too it over. Then they wont remove this from my credit. I want someone to send me proof of this debt and Equifax refusing to send me proof of this debt. Equifax has people that use a script and do not really answer any questions
Product: Debt collection

Radius Global Solutions LLC texted me at XXXX XXXX. On XX/XX/year>. The text message woke me up.
Product: Credit reporting or other personal consumer reports

Ive recently noticed a new account added to my credit report that I am not familiar with. With account is Kikoff and Ive never seen or heard of it. I believe this account was opened fraudulently without my knowledge, it has dropped my credit score over XXXX points due to late payments but the account isnt mine. I need this account removed as fast as possible considering it has been dropping my score every month.
Product: Vehicle loan or lease

We turned in our leased vehicle early. We financed a new vehicle with the same company as the lease the day we turned in the our previous vehicle. Both transactions occurred on XX/XX/2023. We used Ally Bank for both transactions. 
On XX/XX/2023 both my husband and I received letters stated we owed an additional disposition fee. The letter states the disposition fee was waived if a new vehicle was financed within 30 days of the termination of the lease. 
We contacted Ally on XX/XX/XXXX to provide them with the new account number. We were advised that the fee was valid because the lease was not terminated until XX/XX/2023. We were able to provide proof that we sold the vehicle to the dealership on XX/XX/2023. They insisted we owe the fee of {$390.00}. My husband was advised that no managers or supervisors were available to assist with this issue and providing proof we sold the vehicle was not sufficient. We turned the vehicle in on XX/XX/2023 even with the dealer not completing the transaction until XX/XX/2023 ( a date provided by Ally Bank 's representative, we are within the 30 days. The representative then stated that we owed the fee because the new financing was prior to the lease cancellation. My husband said we should not be penalized due to an error at the car dealership. She advised my husband that was not her problem nor her job to contact the dealership. The representative said if we were not prepared to pay the fee at this time we would need to make payment arrangements. My husband was very angry as the representative was not listening to him and disconnected the call. 
I called back and received a new representative. I explained the situation and was advised that the fee was valid because the new account was not in the same names in the same order as the previous account. Duplicate letters were sent to my husband and myself because we are both on the account. I asked to speak to a manager or supervisor and was told neither were available at this time. I was then asked to pay the fee again and I advised I would not be paying the fee until I spoke to a manager or legal representative. I also stated I would be filing a compliant. The representative said " That is fine ''. I again asked to speak to someone regarding this since 2 separate representatives gave 2 very different answers. She asked if I was going to pay the fee again. I said not until I speak to a manager. She said I could speak to someone else but it would not be a manager. She put me on hold for 15 minutes, came back on the line and said she had made a note on my account and sent a request to her manager but the fee was due and valid. I disconnected the call at that time.

This is a junk fee. We have a new account. The new account was created within the appropriate time frame per the lease agreement. This fee could impact our credit scores and/or the ability to purchase another car in the future. We have been loyal customers with Ally without a problem. I believe Ally should review their policies and our account and reverse this decision.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY NAME IS XXXX XXXX XXXX I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY OR AGENCY. I DID NOT AUTHORIZED THESE INQUIRIES PLEASE SEE ATTACHED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have challenged the validity of the accounts with XXXX XXXX XXXX numerous of times and Equifax has claimed that the account was verified over and over again. I do not understand how it was verified with Equifax, but XXXX deleted the XXXX XXXX XXXX account immediately after I disputed it over a year ago, I've requested the contract from XXXX XXXX XXXX by mail and they didn't provide it, and Equifax has not provided me with their method of verification which by 15 U.S. Code 1681i states that they have to provide me the consumer with all relevant information regarding their investigation. This is inaccurate information, and Equifax is continuing to allow fraudulent accounts on my credit profile which is unfair and unjust. They are also reporting another account XXXX XXXX XXXX that is inaccurate. I have called XXXX XXXX XXXX, requested the purchase agreement plus the contract with my signature stating that I'm in agreement with them, and they stated that they could not provide it. Therefore, this collection is fraudulent and should not be reporting on my credit profile, but Equifax is allowing it to be reported. They have still not provided me with their method of verification to prove as to why they are reporting inaccurate things on my credit profile, which leads me to believe they aren't conducting proper investigations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not having any business dealings with this company I asked them to remove several times. They were force to be removed from my XXXX file but it is still showing up on Equifax and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent XXXX a letter about items on my credit report that doesnt belong to me, they are still reporting inaccurate. I am including a copy from XXXX that is reporting accurately from XX/XX/2020 I filed a previous complaint against Experian, complaint number XXXX please update that case with the information provided by XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15USC1681 Section 602 states I have the right to privacy.

15 USC1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit report as late for and purpose.
Product: Credit reporting or other personal consumer reports

An account popped up on my credit report that I have no knowledge of. I was never sent a bill, I was never asked for payment and I don't even know what the debt they're claiming I owe is for.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX  Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Submitted on Time : I made the payments on time ; however, due to a clerical error by XXXX, the payment was not processed until after the due date, resulting in an incorrect late payment entry on my credit report. I have attached a copy of my bank statement and payment confirmation showing the transaction date. 
Inconsistent Reporting : There are inconsistencies in how the late payment was reported across different credit bureaus, which further suggests an error in the data handling by XXXX. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

The account went into overdraft moments before closing of the business day. I rectified it before opening of the following. They slapped me with charges. This is very predatory practice as who sees the overdraft minutes before the close of the business day. I wasnt even given a full day to rectify before charging fees. This should be illegal. I have also found on their website grace period checking promotions to which I was told I had no idea what I was looking at by the agent. This bank is terrible to their members just check any social media post.
Product: Checking or savings account

On XX/XX/2019, NCC Business Services charged my account {$440.00}. I did not authorize this, nor have I ever had an account with them. I called to speak with them today, they informed me there was no way to look up the charge since they were unable to locate an account in my name & then hung up on me.
Product: Credit reporting or other personal consumer reports

After looking over my consumer report I've noticed that the creditor listed in my dispute letter is reporting multiple late payments to my consumer report without properly sending me any statement document from every month that this account reported. I am aware of 15 US CODE 1666b - Timing of payments, and that they must not report my account late for any reason without following that procedure. I never received any statement document prior to my bill neither by mail or email in which this is a violation their behalf. In accordance of 15 U.S. Code 1681a - Definitions ; rules of construction ( d ) ( 2 ), states " Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; '' in which this information shouldn't be on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # XXXX XXXX XXXX and Account number XXXX XXXX XXXX has reported wrong information on my account that isn't 100 percent accurate. I request the reporting companies verify the accuracy of the information disputed, Also send me a copy of an original contract agreement that has been signed myself XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 someone opened a flexible spending credit card account with XXXX card services under my name. They charged {$38000.00} on this card. It was reported as late payment on XX/XX/2024. The account was closed on XX/XX/2024. It has made my credit score drop on XXXX, Equifax, and XXXX over a XXXX points as payment is listed as overdue. I have contacted XXXX ( ( XXXX ) XXXX ) directly and they concur that I never opened an account with them. I only found about this when I checked out my credit score recently. I do not know the account number as it wasnt listed with the rest of info on my XXXX credit score monitoring service. 

Thank you, XXXX XXXX
Product: Checking or savings account

This is XXXX XXXX, I'm reporting that on XX/XX/2023 I claimed a dispute with Netspend All-Access reporting unauthorized withdrawals in my checking account. My Netspend account was hit by a fraudulent Debit Card scam. XXXX at XXXXthere were 4 unauthorized transactions that took place at XXXX XXXX XXXX XXXX XXXX XXXX XXXX using my Debit Card info without my knowledge or authorization. 2 transactions were for the amount of {$200.00} and two more additional transactions for {$300.00}. Equaling a total of 4 unauthorized transactions that equal the amount of {$1000.00}, Plus the 4 fees that are included equaling {$11.00}. Which adds up to a total sum of {$1000.00}. Netspend is refusing to refund my loss saying that, " this incident took place in the same town you live in ''. I also called XXXX Police Dept. here in CA to make a incident report which is Claim ID : XXXX. Please HELP!!! Thanks XXXX XXXX. reach me at XXXX thanks
Product: Credit reporting or other personal consumer reports

Inaccurate information is contained on my XXXX, Experian and XXXX credit reports. I have started a dispute with all companies and the inaccurate information has not been removed. The inaccurate information includes name, address, phone numbers and collection accounts.
Product: Money transfer, virtual currency, or money service

I am filing this complaint due to broader concerns about Zelle 's operations, including its lack of sufficient safeguards against errors and inadequate support from participating banks. My experience highlights the systemic problems that many consumers are facing. 

I used Zelle to complete a transaction, but the process was flawed. The platform did not provide clear or sufficient warnings about potential risks or errors, which led to an issue with my payment. When I reached out to my bank for assistance, their response was inadequate and did not resolve the matter. 

This experience reflects larger systemic problems with how Zelle and its partner banks handle consumer transactions. It appears they have prioritized the platform 's rapid rollout over ensuring proper consumer protections, as highlighted in recent findings by the CFPB.
Product: Debt collection

My identity was stolen by my ex-fianc after a difficult situation involving my kids. After we broke up, she retaliated by using my information to open credit cards and other accounts in my name. I've already filed a police report, but I want to resolve this with the Creditors who are unlawfully reporting this debt on my credit. I am not liable for any of this fraudulent debt, and I need assistance in addressing this situation.
Product: Credit card or prepaid card

Cash App : XX/XX/19, XX/XX/19, and XX/XX/19 Im very upset about cash app team that closed my account while I have the available balance that I need to get the money out for me to pay my bills and now im Stuck with no way to transfer or sent money to someone to withdraw money for me while card blocked. It need to be unblock the card and my options that they need to set up a live customer support for repairs and disputes and other like tech to use phone call and live chat. I been struggling to find a customer support to communicate more fester email take forever to reply and I havent got my questions answered by the team, they have no rights to ignore my situation. 

So now I need the card to be unblock it so I can use my debit card which Its not expired yet. I need to have card back on today for me to withdrawal money. 

Another reasons they should give us few days warnings before close the account so customers included myself will know and be prepare for next step to transfer or repairs for the accounts. 

All of prepaid companies need to do same and change the policy and have a customer service XXXX
Product: Debt collection

I RECEIVED A CALL FROM MY RECEPTIONIST. UPON ANSWERING THE CALL, THE CALLER IDENTIFIED THEMSELVES AS PORTFOLIO RECOVERY AND THAT THEY WERE ATTEMPTING TO COLLECT A DEBT REGARDING A XXXX XXXX ACCOUNT. I INSTRUCTED THE CALLER THAT THEY WOULD HAVE TO CONTACT ME WHEN I AM NOT AT WORK.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report, in violation of federal law. These items must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these items, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
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 XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card

I filed a previous complaint against Barclays for fraudulent charges on my card. It was brought to their executive team and nothing happened - XXXX updates and they continue to charge me every month.
Product: Payday loan

Creditor sold loan for more than I owed and now they are constantly harassing me at work and home even after I ask them to stop calling and simply mail me information. 

XXXX x XXXX
Product: Credit card

Unable to access online bank account, check balance, and make payments with Synchrony Bank -- Amazon 's Store Card provider. Refused to issue new password. So I could not check account online. They provided me with a new password once I threatened to file a complaint with the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  should not be reporting a collection/chargeoff in the amount of {$510.00} on the XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) This account was incorrectly billed as out-of-network even though I went to a participating provider/facility with XXXX. I have full coverage insurance. XXXX wanted the doctor to bill them directly and in doing so the in-network insurance will be covered. The payments have been re-processed and were sent directly to the collection agency. This false reporting of a collection/chargeoff is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.