23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I have sent an official complaint letter that arrived at the destination on XXXX XXXX addressed to XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX attorneys for Experian. It has been more than 30 days as you can see from attached tracking, my complaint letter arrived at their office on XXXX XXXX. 
Pursuant to 15 U.S. Code Title 15 CH 41 Sub Chapter III 1681i ( a ) ( 1 ) ( A ) ( a ) REINVESTIGATIONS OF DISPUTED INFORMATION ( 1 ) REINVESTIGATION REQUIRED ( A ) In general Subject to subsection ( f ), 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 ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

The accounts should be removed at this point due to Experian 's failure to respond within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

On several occasions I have contacted XXXX XXXX XXXX XXXX and requested to have them removed from my credit report. They are or were listed currently as a being a CHARGE OFF for {$32.00} and additionally had me listed with XXXX for this same debt that I was not even aware of. All this is to say that I disagreed with the debt and that did not matter. RN IT IS is wrongfully on my credit report. I have now been refused credit multiple times because of this institution. It is showing on all credit agencies, and it is absolutely wrong... Please help restore my good name and credit, place fines on XXXX for what they have done to me and others like me. 

I hope to hear back from you at your earliest. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX ******** All I did was go to check my balance of my XXXX checking account at a XXXX XXXX XXXX XXXX XXXX and my account was at a XXXX balance still. But because I checked it at a NON XXXX atm, it charged me a fee that I wasn't aware of and put my entire account in the negative. The bank therefore charged me a overdraft fee .... hence the fee of {$32.00} above!!!
Product: Payday loan, title loan, or personal loan

https : //www.targetcashnow.com/ is a tribal lender loan. I was referred to them when I found out XXXX  had closed. I didn't realize the APR was 794.994 %. I borrowed {$800.00} and now I owe {$2900.00}. This should be illegal. 

I want an APR that is less than 25 %. I'd prefer to have the loan forgiven.
Product: Money transfer, virtual currency, or money service

Received a call from a representative claiming he was with XXXX XXXX, a utility company. He claimed that I had an outstanding balance of $ XXXX and needed to be paid immediately or my service will get disconnected that day. He walked me thru process of creating Zelle recipient and making a payment thru Zelle. My first transaction, he claimed had an error on it after I sent it. So he said he was going to cancel and he then walked me thru second transaction and then sent it again. Both transactions were in the amount of $ XXXX first transaction was sent to XXXX and XXXX transaction was sent to XXXX. XXXX came from a XXXX XXXX @ XXXX. 

The issue is with Zelle, the transaction can not be cancelled once it is sent. There is recourse when sending to a fraudulent account or a scam.
Product: Credit card

On or about XX/XX/XXXX, I called us bank platinum card, and requested a deferred payment, because I was affected by a natural disaster " Hurricane XXXX ''. I was granted a two month deferred payment, my payment is due on the XXXX of each month I was assured that I did not have to make a payment until XX/XX/XXXX. On XX/XX/XXXX I received a call from us bank collection stating that I was two months behind in my payments and they were calling me for a payment I inform the collector of my arrangement with us bank and offered to provide conformations numbers XXXX and XXXX XXXX, the collector said she did not have any idea what I was talking about, and refused to take the conformation numbers. So I informed the collector that I would be making a payment on XX/XX/XXXX. I made a payment of {$520.00} us bank charged me {$260.00} dollars for XX/XX/XXXX and XX/XX/XXXX the did not grant me a deferred payment as agreed to.us bank reported false information to the credit bureau stating that I was 30 days late, and closed my account, without informing me taking $ XXXXdollars worth of credit from me and dropping my credit score XXXX points.
Product: Checking or savings account

I lost my wallet so I am trying to get everything taken care of new cars and drivers license, Social Security card, etc. somebody mustve found it because they got my XXXX XXXX  card and with Drew {$740.00} off my account Ive talked to them since it happened and Im getting nowhere Ive even talked to him tonight just a few minutes ago Im still sitting at work and got notification on my phone that dont try to withdraw {$200.00} on my bank account this late to it still nothing I asked for a refund because its fraud and I didnt take the money I had to put in there so I can buy tires off-line because I dont use my bank card online And then the money is gone and theyre giving me the runaround telling me its gon na take 45 days blah blah blah I dont have 45 days I didnt withdraw the money I had it there for specific reason somebody hacked it dont figure its not the first time someones hacked XXXX XXXX  and brush me off like nothing Im ready I think I want punitive damage if I had to go to court this is XXXX I took pictures of that Im still at work. What the XXXX do I got ta do I dont have my card theyre disrespectful they hang up on me. They hung up on me like 56 times today, I get nowhere with no help
Product: Money transfer, virtual currency, or money service

I am writing to Formally express my concerns regarding Zelle handling disputes particularly in light of the recent cfpd 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 recovering lost funds was impossible and the tracking these transactions was unfeasible the cfpbs finding indicate that zelle had neglected to protect consumers but also allow repeat offenders to exploit the system leaving users vulnerable to scams
Product: Credit reporting, credit repair services, or other personal consumer reports

Collection account on my credit report that is not mine.
Product: Mortgage

Called staff XXXX, XXXX agent no information from agent told Ombudsman office handling account left message to have some call me about account issues. 
XXXX Ocwen XXXX, asking XXXX to have agent handling account to call me as customer service could not talk about account. No rep from a Ocwen has called. 
Received doc requesting proof of payments. We sent docs XXXX to Ocwen verifying XXXX / Ocwen issues. Informed the docs were destroyed, per their 5 year rule to maintain records. Despite XXXX XXXX Supporting docs, transferring information / files from previous servicer would be maintain. 
Ocwen XXXX XXXX is a constant predatory and unfair servicer with many facillies in servicing loans, even simple communication.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN credit reporting agency and fraud dept has refused to remove inaccurate, erroneous and unlawful information from my credit file. i have sent in numerous goverment identity theft forms and have disputed with fraud team. after months of experian not responding experian has said that these debts which are FRAUDULENT have been verified as accurate. experian has violated my privacy rights experian DID NOT investigate this nor did they verify with me thru verbal or writing that this information could be posted to my credit file. i did not grant experian permission to add these items to credit file. Experian has violated my rights and has been ignoring my constant requests. The goverment law binding forms ive sent in have been overlooked and not acknowleged as legal documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX MADE AN UNLAWFUL INQUIRY WITHOUT MY AUTHORIZATION AND PERMISSIBLE PURPOSE UNDER THE FCRA AND ARE IN VIOLATION OF THE CREDIT REPORTING ACT OF 15 U.S. CODE 1682B. 

I HAVE A CELL PHONE WITH THEM AND THEY DO NOT HAVE MY AUTHORIZATION TO MAKE UNLAWFUL INQUIRIES AT THEIR LEIZURE.
Product: Debt collection

This week AR Resources recorded a opened two open collections accounts backdated to XXXX XXXX for {$39.00} each. The original creditor was XXXX XXXX XXXX of XXXX, MD. This medical bill was paid in full in XXXX XXXX to XXXX XXXX XXXX, and I have proof of payment including both a payment receipt and a payment confirmation number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request your assistance in removing unauthorized hard inquiries from my credit report. I have the right to privacy under the Fair Credit Reporting Act ( FCRA ) and my rights have been violated multiple times under various USC codes. According to USC 1681b, a credit reporting agency can only provide information to a party with a " legitimate business need '' for the information. However, in my case, I did not give any written permission to the credit reporting agencies, to furnish my accounts to any third party. Additionally, USC 1681g requires that a credit reporting agency must obtain written authorization before releasing any credit report to anyone. In my case, I did not give the credit reporting agencies written authorization to release my credit report to the parties who made these unauthorized hard inquiries. 

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

I am a victim of identity theft and there are currently 8 collections being reported to my Equifax report for multiple debts I did not create. I have disputed these accounts several times with Equifax and they are refusing to delete them from my report. In my most recent dispute, I requested Equifax block these accounts from being reported on my credit as is my right under the Fair Credit Reporting Act 605B ( 15 U.S.C. 1681c-2 ). Under this statute, a credit reporting agency must block the reporting of any information that resulted from an alleged identity theft if the consumer can provide appropriate proof such as an identity theft report. I have sent Equifax a copy of an identity theft police report I filed with my local XXXX County Sherriff 's office on more than three separate occasions. To this date, the only generic response I have received is that the accounts have been verified and can not be deleted. The collection company who is reporting these eight debts on my credit, " XXXX XXXX XXXX '', has not been able to prove that they have the right person in their records and has n't removed this inaccurate information. I am filing this complaint because Equifax is refusing to acknowledge my request to have these fraudulent accounts BLOCKED. It is my right as a consumer to request this and I will make sure Equifax is held accountable to the full letter of the law if they do not honor my request. I am attaching a section of a recent credit report which shows these eight collection accounts, the balances being reported, and the account numbers they have on my credit. The first account was opened in XX/XX/XXXX is for {$2300.00} and has an account number of " XXXX ''. The second account was opened in XX/XX/XXXX, is for {$2000.00} and has an account number of " XXXX '' .The third account was opened in XX/XX/XXXX, is for {$67.00} and has an account number of " XXXX ''. The fourth account was opened in XX/XX/XXXX, is for {$170.00} and has an account number of "  XXXX ''. The fifth account was opened in XX/XX/XXXX,  is for {$820.00} and has an account number of " XXXX ''. The sixth account was opened in XX/XX/XXXX,  is for {$6100.00} and has an account number of " XXXX ''. The seventh account was opened in XX/XX/XXXX, is for {$190.00} and has an account number of "  XXXX '' .The eighth account was opened inXX/XX/XXXX, is for {$990.00} and has an account number of "  XXXX ''. As you can see, only Equifax is reporting this to my credit at this time. XXXX and XXXX have deleted all records of these accounts because they were opened as a result of identity theft. How can XXXX and XXXX get a different dispute result for the same dispute I am sending to Equifax?
Product: Credit reporting or other personal consumer reports

Credit Reporting Agency has been reporting accounts on my consumer report that I have no knowledge of. This is in violation of the FCRA laws. There are also hard inquiries for accounts that I did not apply for.
Product: Credit reporting or other personal consumer reports

RE : Violation of the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) I checked my credit report and noticed the same multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement, a payment made by the obligor, or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

As I know, the creditors did not notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the Creditors that I didn't pay and was marked late because this is clearly a billing error. 
I will list all items again that should be updated to paid as agreed on my consumer report and late marks should also be removed. 
ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX As a consumer by law, these accounts on this letter must be updated and remove inaccurate information immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated.

Also, we were already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ). 
Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

I was given a {$100.00} Vanilla Gift card and I checked the balance right away which was correct. I tried to use it at XXXX XXXX and it would not go through, I tried at another store and it was declined. When I tried to check the balance I had trouble with the website but finally got through. It said I had a XXXX balance and a pending transaction. I called customer service ( waited on hold XXXX min ) and was told it was just pending and the money should be back on the card within a week. I checked again after a week and it has a XXXX balance and there was a transaction called proauthentic for {$100.00} which I did not make. I have tried and tried to call but customer service never picks up. I have looked for a way to email the company and there is absolutely nothing to be found. I read the reviews from others regarding Vanilla Gift cards and they were awful, this company should not be in business.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting 30 days late payments on my credit report for the months XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Federal law states that late payments can not be reported until at least 30 days past due date. I contacted XXXX XXXX  to confirm full payments were made before the 30 days for each incorrect reporting, dates listed below. XXXX XXXX  refused to correct this error. 

XX/XX/XXXX due XX/XX/XXXX - paid in full by XX/XX/XXXX XX/XX/XXXX - due XX/XX/XXXX - paid in full by XX/XX/XXXX XX/XX/XXXX - due XX/XX/XXXX - paid in full by XX/XX/XXXX XX/XX/XXXX - due XX/XX/XXXX - paid in full by XX/XX/XXXX XX/XX/XXXX - due XX/XX/XXXX - paid in full by XX/XX/XXXX XX/XX/XXXX - due XX/XX/XXXX - paid in full by XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/year> ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion XXXX XXXX XXXX reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXXXXXX account XXXX XXXX. XXXX  XXXX XXXX  finance account XXXX XXXX. Ic system inc account XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. 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 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 Complaint as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

I purchased an item for {$140.00} on XXXX in XX/XX/2020. The item was damaged upon arrival, and the company would not immediately provide a refund. I submitted a chargeback/dispute via PayPal Credit XXXX Synchrony Bank ) later the next month. 

I received a response from Synchrony stating that " After reviewing the documentation, the sales transaction ( s ) appear to be authorized by and/or received by you or an authorized user of the account and we have removed the temporary credit ''. 

I contacted the company via other means to gain a refund. The company which sold the merchandise agreed to a refund after complaints to other regulatory agencies. 

Upon the company attempting to issue a refund, they stated that Synchrony ( PayPal ) kept the money from the chargeback plus an additional {$20.00} fee. They provided a screenshot of the PayPal website showing a reversal of the chargeback on XX/XX/2020 and an additional on the same day showing a 'Chargeback Settlement '. 

It appears that Synchrony has charged me for this merchandise and kept the money for themselves.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and I was shocked to learn that I have an account in my credit report that is inaccurately reporting. 

XXXX XXXX is violation 15 U.S CODE 1692d- Harrassment or abuse
Product: Credit reporting or other personal consumer reports

In a stern tone, I must bring to your attention that I have repeatedly notified the XXXX credit bureau to update my credit profile accurately and accordingly. Yet, to my dismay, you have failed to do so. It is my hard-earned reputation that is at stake here, and your negligence to take necessary actions is unacceptable. I have several accounts on my credit report that are being fraudulently reported as a result of identity theft. It is distressing to note that among all the credit bureaus, XXXX is the only one that has not rectified this issue. I demand you to remove the accounts from XXXX XXXX, XXXX XXXX, XXXX, XXXX  XXXX, XXXX, and XXXX, along with any unauthorized inquiries that have been made. I expect prompt and satisfactory action from your end.
Product: Credit reporting, credit repair services, or other personal consumer reports

To put it plainly someone has stolen my home. 
Kicked me out of XXXX XXXX XXXX unwarranted. 
XX/XX/XXXX. 
X husband XXXX XXXX knew full wel that I was to receive the marital home in our divorce. 
But since they found the Morgage loan null and void. He divided a new one with his bankruptcy And then assigned it to me. 
He files bankruptcy in XXXX two years after our divorce in XXXX doesnt show me as an owner or a debtor. Then slaps this fraudulent loan on me Forecloses and kicks me out. 
My identity is and has been mangled wrong into, no info, still shows me living at XXXX XXXX XXXX? 
I believe someone is using my equity in the house and I can get no help to straighten it out Please help me.. Im destitute,. Homeless and this constant harassment is costin me the ability to obtain gainful employment. Please
Product: Debt collection

I tried disputing this debt numerous times, because I do n't have a contract with them and they are continuing to come back verified and then I went on the Florida Office of Financial Regulations website and saw that this collections agency 's license has been Expired since XX/XX/2000 and they are continuing to report this debt that has been on my reports for over 3 years now. I am not even sure is mine, I know I do n't have a contract with them, and I want it taken off my credit reports. They are not licensed to collect in the State of Florida with Expired license but they are blocking my credit rating and it is very hard getting a house with collections on your reports ... Thank you for your help and your time
Product: Checking or savings account

On XX/XX/2018 at XXXX I took an Uber ride in California . I had it setup to  charge a differnt card on file. Well for some reason Uber claims the charge didnt go through which I beleive it did. I had it setup on a virtual credit card. Well on XX/XX/2018 Uber decided to just randomly pick a differnt card even though I never authorized them to charge my card ending in XXXX charged it on XX/XX/2018 in the amount XXXX which was 6-days later. This charged was NEVER LEGALLY AUTHORIZED by me to allow UBER To charge this car. 

I submitted a complaint for a full refund. I was going back and fourth with uber for over a week now. Each time getting a diferent customer service rep with a differnt answer. 
But finally on XX/XX/2018 I was told by UBER that I would be getting a FULL REFUND to my card ending XXXX. 
After waiting a couple days on my refund it never came. So I reached back out to Uber to ask them to were is my refund and then I get a different answer that I wont be getting one. This company told a LIE, then said I would be getting one. 

So basically they illegally charged my card which I NEVER AUTHORIZED, then told me I would get a refund. Then changed their mind and said no I wouldnt. I beleive thier business pratices is ILLEGAL. 
Not to mention I requested a supervior, or manager call me to discuss this situation but the only thing I do is keep going back and fourth with UBER in regards to the charge. I am requesting a FULL REFUND IMMEDITATLEY. 


XX/XX/2018 DEBIT CARD DEBIT / XXXX UBER TRIP XXXX auth # XXXX XXXX