23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/year> I was charged a {$30.00} return check fee by Citi Bank though I called and informed the bank that I was doing a stop payment on the {$700.00} payment from my XXXX XXXX XXXX XXXX account. 

XXXX XXXX XXXX XXXX performed a stop payment and charged me the {$20.00} Stop payment fee. 

I contacted Citi Bank again about the {$30.00} return check fee which they refused to remove and have continued to tack on fees though the account has been paid in full and closed by them. They have harassed me and reported my account as delinquent on my credit, damaging me yet again with their predatory and reprehensible practices. 

They have also charged me {$24.00} in interest on the return check fee. 

There is {$30.00} in fees accumulated on the account between XX/XX/year> and XX/XX/year> statement. 

I also want to dispute the XXXX fee on the XXXX XXXXXX/XX/year> bill that became {$6.00} on the XX/XX/year> bill. This is an illegal fee charged.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report recently, I identified several inaccuracies that are currently impacting my credit standing. I am requesting the credit bureaus to investigate and correct these discrepancies promptly. Specifically, I need verification for the following account details : Account Name : XXXX Account Number : XXXX
Product: Checking or savings account

On XX/XX/2019, I received a piece of mail from a company called Netspend. I open the mail to find an offer to sign up for a prepaid debit card. I usually don't get authentic cards in the mail when I get offers, but this was a legit card that was created without my consent with instructions included to activate the card. 

Upon calling the number to question why I received this card -- it was evident this was not fraudulent -- because the automated recording gave an explanation as to why I received this offer. In that same call I chose to " cancel the card and opt-out of future mailings '' I'm sending this message to you because I take my credit health every seriously. It's very insulting and disgusting that Netspend is allowed to create a real account without my consent. With all of the fraud and money laundering that exists today, I could have very well thrown away the mail ( which I usually do ) that contains an actual card, and could have become a victim of fraud.

It is extremely negligent for them to practice this type of advertising.

This may not be fraud from an individual, but this is actually  fraudulent from Netspend. I would like to know the steps an individual can take to file a lawsuit against a company like this.
Product: Credit reporting or other personal consumer reports

This is another complaint that I am a victim of fraudulent activity and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please REMOVE the reporting of any items in my credit file that resulted from an alleged fraudulent activity : XXXX : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX ( Original creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Balance : {$540.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX -- -- -- -- -- XXXX : XXXX XXXX XXXX XXXX ( Original creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Balance : {$540.00} -- -- -- -- -- TRANSUNION : XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Balance : {$540.00}. These items are unknown to me. Also, the information you provided on some items are DELETED from other bureaus and I have doubts about their accuracy and the reported payment history on some items are a mystery to me.
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. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX 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 a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Debt collection

Debt Collector Tate & Kirlin Associates text and call me on my mobile # attempting to collect a debt from XXXX XXXX. Virtually every time when I attempt to answer the call to advise them that they have the wrong person/phone #, there is no one on the line to speak with and the call disconnects. I have had the phone # in question for just under seven years and do not know anyone named XXXX XXXX and I myself do not have any debts in collections. 

The most recent round of contacts have come from the following phone # 's XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reveiwed a current copy of my credit report and show inaccruate information. Account name RASH CURTIS & ASSOCIAT ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account numberXXXX. is showing as a collection/chargeoff with and open balance of {$750.00} and I understand this is a direct Violation of FDCPA. I understand a charge off account must report {$0.00}. I have disputed this account on a number of time and no reply has been given and its been more than 60 days. Which is a violation of FCRA. Please delete account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report. 

The Credit Bureau stated my accounts were properly investigated but how is this possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is inaccurate. This is grounds for removal and they also 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 instruction. 

Attach is first letter I sent stating this and copy of certified letter receipt showing they signed. 
I sent letter on XXXX XXXX  and it was received on XXXX XXXX  I received a letter in the mail stating they were not going to investigate because it looks like the letter didn't come from me. I called and assured the rep it came from me and she would put dispute in I called around the XXXX of XXXX to check status rep told me they were not disputing again because everything is verified but as you can see below reports are not showing 100 % accurate
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Did not do what they said they would do in my 1st or 2nd Complaint! They have my SS # blocked where I am not able to call to speak with a person about a dispute that came back on my report. Every time I call the only option I have is to add or remove a fraud alert. Any other prompt disconnects the call! I called using my deceased mothers Social Security number to see if I were able to get thru and they were able to give her multiple options for her to receive her credit report. This is very unprofessional because they have control over your credit! Please look into this! Please refer to my complaints # XXXX and # XXXX. They are sending a general response and NOT fixing the problem!
Product: Mortgage

On XXXX XXXX my feelings were all over the place. I felt angry, deceived, and disrespected. I made an error on Complaint ID # XXXX and Im writing to correct it. My Loan Modification was approved on XX/XX/2018 and not XX/XX/2018, sorry about the error, but these 6 months dealing with XXXX XXXX XXXX has been pure XXXX. It was XX/XX/2018 when I received the call from XXXX XXXX claiming they didnt receive my XXXX payment. My XX/XX/2018 Payment was sitting in a Suspense Account. After praying to XXXX about all the chaos Im going through with XXXX XXXX XXXX, I realize this battle is not mines, its the Lord. I pray for all the people involved in wrongdoing, because I know that no good deed goes unpunished.
Product: Vehicle loan or lease

Santander consumer USA has been advised of fraudulent auto loan issued by auto dealership XXXX XXXX XXXX XXXX TX, Formerly known by XXXX XXXX XXXX mis represented loan requirements plus added state sales tax to the loan against my wishes. Vehicle purchase was on XX/XX/2019. 6 months have lapsed and dealership has kept approximate {$2800.00} that was added to loan specifically as state sales tax. Santander usa has  been notified of vehicles status and inability to be legally driven due to dealers failure to license / register, pay sales and title. Dealer temp tag expired mid XX/XX/2019. I purchased vehicle in Texas as non resident and there is a distance of XXXX miles between my residence and dealership. Dealership has ceased all communications with me and has decided to completely ignore all my communications. Upon last communication from dealership general manager XXXX XXXX, XXXX via email notified me that by XX/XX/2019, I would have plates for vehicle. XX/XX/2019 has passed and I received nothing. State DMV confirms they is currently nothing in their pending files that matches vehicles Vin. I have spent countless hours advising Santander usa of  dealers current default by breach of contract and not complying with stipulations in contract, in addition I remind Santander usa that as of mid XXXX I am making payments on a loan for a vehicle my family and myself can not legally drive. Santander usa has opened and closed 3 escalations and offered zero resolution to matter. Santander continues to profit of loan interest being fully aware dealer has defaulted. I have advised Santander usa of my demand to dealer to unwind loan and intent of purchasing a replacement vehicle as of XX/XX/2019. Complaint to Texas DMV and  dealers board has been filed and awaiting results of investigation. Meanwhile dealership continues to ignore my communications, has pocketed approximately {$2.00} ; 800, Santander usa profits from monthly loan payments, and vehicle sits on my property unable to be legally driven.
Product: Credit reporting or other personal consumer reports

My employer is being removed from all 3 major credit reporting bureaus. Experian, Equifax, and Transunion. My employer is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX Missouri XXXX since XXXX of XXXX. Please research the fact and update my report accordingly. I do not understand why my credit does NOT show accurately.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

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

A state ta x lien ( GA ) has bee n paid and the lien cancelled. Confirmation has been both sent to Equifax by certified mail and scanned directly to them.     Copies of confirmation of tax lien payoff is attached.
Product: Credit reporting or other personal consumer reports

There are many inaccuracies. I am Disputing the following information XXXX XXXX Bankruptcy XXXX XXXX {$11000.00} charge off XXXX XXXX XXXX {$2500.00} charge off XXXX Account sold XXXX XXXXXXXX {$5600.00} charge off XXXX {$11000.00} charge off XXXX XXXX {$1600.00} charge off XXXX {$4900.00} charge off XXXX Charge off XXXX {$2400.00} charge off XXXX {$4900.00} charge off All XXXX accounts XXXX {$61.00} all Department of Education accounts Addresses : XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone numbers : XXXX XXXX XXXX XXXX XXXX XXXX Property : There's a listing that I own property. This is not accurate. The address is XXXX XXXX XXXX XXXX, XXXX XXXXXXXX I do currently reside here. Emails XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have no student loans and you list too many to count. My identity has been stolen and it has been breached. It was in the XXXX data breach and the XXXX XXXX data breach and I lost my ID 2 times. 

Attachments XXXX ( XXXX KB ) XXXX ( XXXX KB ) XXXX ( XXXX KB ) XXXX ( XXXX MB )
Product: Debt collection

I recently applied for a home loan and was denied do to fraudulent activities. I have never applied for CHASE credit cards or have I used this card. I have recently tried to dispute this directly with the bureaus and asked for an Itemized bill, they verified as accurate. This is not fair to me because in fact the information is inaccurate. I have been dealing with identity theft since XX/XX/XXXX. My name is very common and all these items on my credit report have affected my life negatively. I am unable to apply for Personal loans, Credit cards, Car loans, Phone services or even a Home loan. I called CHASE XXXX to provide them with a police report number XXXX that I filed with Officer XXXX. I have also had issues with the IRS because of this. Somebody else is using my SSN and/or there's a mistake when these companies are adding them to my report and there not checking for the correct SSN & DOB and just applying it to the first person they come across with my exact name.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fair Collections and Outsourcing  was sent a certified letter on  XXXX   XXXX  requesting validation of said debt. Letter was picked up at USPS on  XXXX   XXXX  at  XXXX , A final goodwill letter was sent on  XXXX   XXXX .     Fa  ir Collections and Outsourcing has failed to provide me any evidence. I have maintained a careful record of communication with them in which they have failed to respond within 30 days.
Fair Collections and Outsourcing are in violation of federal laws under the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ), the Fair Credit Reporting Act ( including but not limited to Section 623-b ) and the corresponding state laws.
Product: Credit reporting or other personal consumer reports

Initial Disputes were made XX/XX/year>, investigation was not properly conducted nor delivered by all the reporting agencies. Improper remarks reflected on report as such account is previously marked as " in dispute '' but is currently labeled as " resolved per your section of Creditor Remarks.

account previously in dispute? Now resolved? Reported by Subscriber is the exact grammar and wording used in report a picture of the report will also be included in this complaint. All the errors and unfair practices they are utilizing is hindering my entire creditworthiness and reputation.
Product: Debt collection

I had a debt from Kay jewelers that was bought by national credit adjusters. I paid in total  XXXX  dollars in 12 months way of  XXXX   XXXX  dollars a month and a last payment of  XXXX  dollars. The debt does not show on my credit report and Kay jewelers said I do not owe anything.  XXXX   XXXX   XXXX   XXXX   has contacted me and said I owe money for a debt to Kay jewelers. I told them it was paid and provided phone numbers to verify that it was. I have received nothing in writing from the regional mediation services about this supposive debt. On  XXXX   XXXX    XXXX   I received a call from an Idaho number which I do not live saying they are a courier to serve me papers on behalf of regional media services to sue me. I believe these people are scams and need to be looked into. I have done some research online and have seen the same stories from others and was provided this site address to file a complaint. Thank you  XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Didnt give this company any authorization to check my score, and would like these inquiries to be removed
Product: Debt collection

I called this attorney 's office several times regarding two credit cards, Discover and XXXX XXXX, I told them I have no job and I'm XXXX and live on Social Security and I am saving to file XXXX XXXX Bankruptcy. This has been almost a year, and every other month I get court documents of this attorney 's office trying to sue me. This has been ongoing, and CFPB is NOT protecting me against a predatory collection attorney. I owe 4 years on my car, and I rent a room from my ex husbands home. I have no money for legal, my social security barely pays my living expenses. I have a XXXX protected by the Americans with XXXX Act. I need them to stop HARRASSING me. 

XXXX XXXX XX/XX/year>XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am disputing a charge-off account being reported by Elan Financial Services on my personal credit report. This account was used strictly for a business startup and should not have been reported as a personal liability.

I sent a formal dispute and requested verification under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), including documentation proving I personally guaranteed the debt. Elan financial services failed to provide any verification or supporting documents and refused to properly investigate my dispute.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX # XXXX XX/XX/XXXX - Balance : {$3400.00} Account Name : XXXX # XXXX XX/XX/XXXX - Balance : {$3400.00} Account Name : XXXX # XXXX XX/XX/XXXX - Balance : {$1800.00} Account Name : XXXX # XXXX XX/XX/XXXX - Balance : {$2400.00} Account Name : XXXX # XXXX XX/XX/XXXX - Balance : {$3300.00} Account Name : XXXX  XXXX # XXXX XX/XX/XXXX - Balance : {$2200.00} Account Name : XXXX XXXX  # XXXX XX/XX/XXXX - Balance : {$7100.00} Account Name : XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$0.00} Account Name : XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$37000.00} Account Name : XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$26000.00} Account Name : XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$3000.00} Account Name : XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$14000.00} Account Name : XXXX XXXX XXXX XXXX # XXXX  XX/XX/XXXX - Balance : {$10000.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

I never signed any contract agreeing to acknowledge any accounts made with Columbia Debt Recovery. There is no verifiable information this debtor has to collect any form of payment from me, and I have asked multiple times to be placed on the Do Not Call list with no luck. This Debt Collection is now in breach of the FDCPA code as they are still sending threatening emails and calling my number from different spam numbers on a frequent basis.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is showing an account that I do not owe on my credit. I have disputes several times and the company is stating that it is accurate. Experian refuses to share with me documentation on how this debt was validated and I have requested this from them several times. I am looking for this debt to be removed as I do own or owe this debt. The contact information that is showing for this company is XXXX XXXX XXXX XXXX Florida XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I need this late payment removed from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

XXXX XXXX XXXX XXXX