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

XXXX continues to report information i have proven is fraudulent and illegal. 

15 usc 1681 requires reporting agencies to do maximum due diligence that is clearly being neglected The Electronic Fund Transfer Act ( EFTA ) : This law establishes the rights and liabilities of consumers and financial institutions with respect to electronic fund transfers. Under the EFTA, consumers have the right to stop payment on a preauthorized electronic fund transfer by notifying the financial institution before the scheduled transfer date. 

The Fair Credit Reporting Act ( FCRA ) : This law governs the collection, dissemination, and use of consumer credit information. Under the FCRA, consumers have the right to dispute inaccurate or incomplete information contained in their credit reports, and to request that inaccurate information be corrected or removed. 

The Consumer Financial Protection Act ( CFPA ) : This law prohibits unfair, deceptive, or abusive acts or practices ( UDAAPs ) by financial institutions. If a company continues to use your financial information without your permission, they may be engaging in an abusive or deceptive practice, which would be a violation of the CFPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXXXXXX and XXXX XXXX have 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 an account without my written instruct
ions.
Product: Credit card or prepaid card

I have a US Bank Focus Card from my employer. On XX/XX/XXXX the card did not work though I knew I had funds. I called and was told my account is now inactive pending a review by the XXXX team. I asked to speak with them and was told they have no contact for this team as they are completely offline. I asked how I resolve the issue quickly. I was told to fax my Social Security card and my driver 's license. I faxed the documents on the XXXX of XXXX. I called again and was told it can take 24 to 48 hours to receive the fax. I called again I was told that the fax was received on the XXXX but it could take up to 5 days for processing. I call everyday and get told that the XXXX team is still reviewing or have not yet as my card is still inactive. I received another deposit on the XXXX and my account balance shows the funds available but they still have not made my card active. I have called and emailed the corporate offices and received an email back yesterday ... umm ... that the XXXX that they would forward my complaint to someone who could help me. I just want to have access to my funds so I dont lose my home as my landlord needs his money and nobody seems to care that 2 weeks is to long without access to your own money. I will take my business elsewhere and get direct deposit changed but I need this resolved immediately so I can take that action. Please help me.
Product: Mortgage

In XX/XX/XXXX I paid a Morgan Stanley mortgage. For some reason they did not update my CBR on time. They submitted a letter to me in XX/XX/XXXX stating they made a mistake and it was corrected. However I am applying for a mortgage and a deragatory has appeared on my CBR and XXXX XXXX is deeming it an issue.Morgan Stanley claims they are trying but the mortgage department is no longer in tact and they do not know who can update my CBR. They have acknowledged the letter and their responsibility yet the issue is not resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus never did a proper investigation According to the FRCA. The term investigate consumer report means a consumer report or portion there off in which information on a consumers character, general reputation, personal characteristics, or mold of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported or with others with Whom he is acquaintance or who may have knowledge concerning any such items of information. They did not do this. Also, they have violated my rights even more, in accordance with the fair credit reporting everything has to be 100 % accurate on my credit report. The credit bureau stayed in my account was properly investigated but how is that possible if the open date is in accurate, The date last active is an accurate, and the date last report it is not accurate. This is ground for removal. They also valid through loud because according to 15 U.S.C 1681. section 602 A. States I have the right to privacy. 15 U.S.C.section 604 A section 2 : it also states a Customer support a Education a Furniture a Couch without my reading instructions. I did not give anyone written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions They keep saying the properly verified but have not!
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX XXXX  to pay my bill even though I was expecting a credit from overstock commenity. The representative must have disputed the account number wrong because they keep reporting my account late even though I made a payment on an account that received a credit for the merchandise through returns we made. Please remove derogatory listings from my credit report immediately, as you are hurting my score.
Product: Debt collection

This debt is reporting incorrect information on all XXXX reports. The date open is all different as well as the credit type, and date closed. This information is very misleading and incorrect. I have attempted multiple times and for multiple years to have the information corrected or deleted. Neither has happened and it is currently showing different on all reports. I am asking this to be removed.
Product: Money transfer, virtual currency, or money service

I am to formally express my concerns regarding Zelles 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 CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety. 

Over {$3000.00}
Product: Credit card

I am submitting this formal complaint regarding ongoing credit reporting inaccuracies by XXXX and XXXX, which have severely impacted me and my familys financial progress. Despite my repeated efforts to dispute and correct these inaccuracies, both credit bureaus continue to report incorrect information on my credit file. 

Specifically, the following accounts are being inaccurately reported : Three Navy Federal Credit Union accounts Reporting incorrect account details, dates, and statuses. 
XXXX XXXX Bank account Containing false information. 
XXXX XXXX credit card Displaying multiple inaccuracies. 
XXXX Mortgage Incorrectly showing late payments that never occurred. 

These errors are not minor ; they involve incorrect account numbers, dates, payment histories, and other critical details. Furthermore, these inaccuracies were previously removed from my credit file, yet XXXX and XXXX have reinserted them without justification, forcing me to dispute them again. 

In contrast, XXXX has been cooperative and has properly corrected and removed all inaccuracies without issue. However, the continued negligence and non-compliance of XXXX and XXXX in correcting these errors are preventing my family and me from moving forward financially. Their refusal to accurately report my credit information is unjust and causing unnecessary hardship. 

I am requesting immediate action from the CFPB to ensure that XXXX and XXXX comply with the Fair Credit Reporting Act ( FCRA ) by properly investigating and permanently correcting these errors. I am also requesting a thorough review of their dispute-handling process to prevent this from happening again.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortionXXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$19000.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX
Product: Debt collection

Attempting to collect {$5100.00} for work that would have been no more than {$1900.00} if the work would had been completed. {$1000.00} was paid prior to the start of any work. 

I have received a " second notice '' dated XX/XX/2023, after sending my requests and disputing debt with XXXX XXXX XXXX to the address listed on the notice as indicated on the notice. This notice has a different out of state address : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX and same phone number XXXX XXXX, with only recorded lines. First correspondence was sent on XX/XX/2023, with and estimated delivery of XX/XX/XXXX Tracking # XXXX to XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, as indicated on the collection notice. I have yet to receive communication regarding completing work or an itemization of actual work done. 

This company is using unethical practices to collect debts that are not owed to them. 

Documents attached showing {$1000.00} payment, estimate for work that XXXX was contracted, and picture of a portion of the incomplete work. Half of area painted, and paint does not match. I will be sending another certified letter to the new address provided on today XX/XX/2023.
Product: Credit card

I was encouraged to sign up for a 0 % credit card from a jewelry store. They promoted 0 % interest and I could choose the payback period. They didn't say one thing about deferred interest fees or that the minimum payment was not adequate to cover the promotional purchase. I thought my monthly payments were being allocated accordingly and that I would not incur any interest fees whatsoever. I put the payments on auto-pay and enrolled in the e-statements. Each month I would receive an email alerting me to the statement and that the payment would be going through. The email does not mention any expiring promotional purchases periods, or deferred interest fees so I had NO IDEA that was a possibility. Further when I called to inquire about the situation after noticing that my balance jumped up almost {$1000.00} - they told me that I would have to call in every month in order to specify the allocation of my payment towards each promotional purchase so that they are paid off in time. I made several purchases, so there would be different amounts with different deadlines, but there is no transparency about that on the statement or in the portal. They do not indicate how much is needed to pay to avoid the deferred interest. They do not specify how much the deferred interest will be. There terms are confusing and buried, to be honest I don't even know where to find them. Let alone the statements do not have transparency around what the promotional periods are and what the fees are if they are not paid off. This is so predatory. The sales staff was not equipped to sell this credit card, having never mentioned any of this at the point of purchase. I did not need to use a credit card and only used it because I was incentivized by the 0 % interest! Now I am paying almost {$1000.00} in fees which they tacked on to the balance due so the fees are gaining interest now as wel!!! This is disgusting.
Product: Bank account or service

MY ACCOUNT WAS TAMPERED WITH FROM WELLS FARGO ACCOUNT ON XX/XX/2015 WITH THE AMOUNT OF {$380.00} TAKEN, I CALLED TO DISPUTE THE TRANSACTION, I SPOKE TO XXXX SPOKE PEOPLE OF WELLS FARGO, THEY STATED THAT MY MONEY WOULD BE PUT BACK INTO MY ACCOUNT WITHIN XXXX DAYS OR LESS AND THAT I WOULD BE CONTACTED BY XXXX AND NEVER WAS CONTACTED, I CALLED TO ASKED AGAIN ABOUT MY ACCOUNT BEING TAMPERED WITH I GET NO ANSWER, I ASKED TO SPEAK TO A SUPERVISOR I WAS DENIED.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 after reviewing my personal credit report ; a unauthorized inquiry from CONSUMER PORTFOLIO SERVI located at XXXX XXXX XXXX XXXX XXXX, CA XXXX showed on my XXXX  credit file. I'm requesting signed verification or a immediate removal from all credit reporting agencies in accordance with the Fair Credit Reporting Act.
Product: Consumer Loan

West Lake Financial.. This is definately the worst company that I ever came across. I finaced a car back in XXXX XXXX. They repossessed my car for being 31 days late in XXXX XXXX. I agreed to 24 months with the car payment, I was scheduled to be done paying for the car in XXXX XXXX due to the company adding insurance to the account. West Lake, never called me and informed me of any repossession order. When they picked up my car I was unaware I had to call the police department because I thought my car was stolen, they informed me of the reposession. All of my items were in the car, it took 3 days before I was able to get my possession out the car. I lost money, jewelry, and my car was ram shacked. 2 weeks later westlake financial told me my car sold at auction for {$4000.00} almost {$2000.00} more than what i owed. Therefore, they were going to send me a check for the remaining balance but i had to send them a payment of auction fees before they can send me a check so being young a naive i sent them the fees and called them back to tell them it was sent and the number was disconnected. For years I heard nothing from West Lake Financial. However, They are currently reporting a balance on my credit report of {$640.00} for auction fees. This company has harassed me by calling my job and my personal cell phone stating that I would be arrested if I did n't pay them. When I contacted them to pay the debt to have it removed from my credit report they refused to remove the account but would take the money. The company refuses to respond to any certified letters, but they still call harassing me for payment. That I do n't owe. I sent letters to both the direct company and their collection agency. West Lake Financial reports on my credit but another company handles their debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

suspected fraudelent activity... ..as a cosumer neither did i give written nor verbal consent to this account.
Product: Mortgage

In XX/XX/XXXX I modified my loan with all taxes and insurance included. 
XX/XX/XXXX I received information from a third party stating I owed over {$10000.00} In back taxes from XX/XX/XXXX. I submitted all forms I recieved from this party to Ocwen and they told me, I had no taxes due, all taxes were paid through XX/XX/XXXX and they would submit and reach out to the private party. 
Well Ocwen Did absolutely nothing. I called, faxed court dates but Ocwen refused to contact the party but instead sent tax records of their disbursement to me, until I recieved a date for a strict forclosure auction date. Ocwen who still says 'all taxes are paid ' paid almost XXXX for court fees, Attorney fees and more. 
XX/XX/XXXX I received a letter stating my mortgage is going up XXXX. 
I exclaimed my issue with the company and they said my only option Is to modify the loan again. They still stand by thier word that all taxes were all paid up when the Modification went into effect in XX/XX/XXXX but do n't know why they paid twice instead of fighting or showing up in court. 
They also just recently denied my modification. I feel Ocwen likes to cheat innocent People from there homes. They are also giving me the run around with several ( specialist ) they call them rechedueling dates and giving false information on this lose. Nothing is being done and I 'm scared I 'm going to loose my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXX XXXX. My initial call was made over 30 days ago in late XXXX. This collection agency has 2 duplicate charges from XXXX XXXX in XXXX KY on my credit report, that I requested to get removed. One for {$3900.00} and the other for {$3800.00}, both with a principle balance of {$2600.00}. I was advised that the duplicate could be removed after a 30 day investigation, even though the rep that I spoke with advised that they placed the charge on my credit report twice himself. Both charges hit my Credit report in XXXX on in XXXX and the other in XXXX. XXXX XXXX also placed the account in collections with XXXX XXXX XXXX as well, so in actuality I have 3 marks on my credit for the same exact thing. I have contacted Transunion and XXXX as well and seem to be getting nowhere with the removal of these charges.
Product: Mortgage

I Have been requesting a loan payoff or Satisfaction of Mortgage from Both RCS ( Residential Credit Solutions , Inc. ) my last known Servicer and XXXX the previous Servicer since XXXX 2014. As per Florida Statue XXXX a loan payoff must be provided within 14 days of the written request. All I have obtained from both of these lenders is a run around each pointing finger at the other. It is ridiculous that the CFPB that was created to protect the public from these Lenders not following the law will not help me. They have ignored all requests and continue with the run around. See most recent response letter. RCS has claimed that the loans were paid off but they will not send the satisfaction of mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

- A Lawful Contract has : ( 1 ) offer, ( 2 ) equal consideration, ( 3 ) acceptance by all parties for the contract, and ( 4 ) the signatures by all parties involved with the contract. Only the parties signing the contract can participate in the discussion of the contract : Full disclosure about the CONTRACT is imperative -XXXX XXXX XXXX XXXX a living soul Woman, does NOT have a contract or a " wet ink '' Signature with the CORPORATION and/or CORPORATIONS D/B/A XXXX XXXX, XXXX, et al, etc- The XXXX XXXX listed D/B/A XXXX XXXX, XXXX, et al, etc., are obviously trying to do harm to Me , the Living Soul Woman, XXXX XXXX of the family XXXX by XXXX, force of threat, force of contract, payment of fictitious debt, etc -The Truth in Lending Act is intended to protect consumers against abuse and deceit by creditors and I have been abused and deceived XXXX XXXX is in violation of 15 USC 1692. ( C ) ( A ). A debt collector may not communicate with a consumer in connection with the collection of any debt. 
-XXXX  XXXX is in violation of 15 USC 1692. ( D ) ( 2 ). The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. 
XXXX XXXX is in violation of 15 USC 1692. ( D ) ( 2 ). The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. 
-When XXXX XXXX accepted my application, they became a trustee in a fiduciary obligation, and I became the beneficiary. As the trustee, they must do what's in the best interests of the trust ( held at the United States-Treasury ) . My social security number ( credit card ) extends credit to XXXX XXXX from the trust. If XXXX XXXX does not do whats in the best interest of the trust and give the beneficiary, me ( XXXX XXXX XXXX XXXX remove lien from my vehicle and remove charge off from my consumer report they are committing trust fraud ( malfeasance of office ).

-If XXXX XXXX fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card, I will indeed make XXXX XXXX criminally and civilly liable for all actual damages pursuant to Title 15 U.S. Code 1681n and Title 15 U.S. Code 1681o.

- 15 USC 1602L states that all accounts are paid in full the moment I use my credit card ( SSN )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several requests asking that the personal information on my credit report be updated. 

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

I am writing to dispute the following derogatory accounts listed on my credit report : XXXX XXXX Account Number : XXXX Date Reported : XX/XX/XXXX Remarks : Collection/Charge-off XXXX XXXX  XXXX Account XXXX : XXXX Date Reported : XX/XX/XXXX Remarks : Collection XXXX  Account Number : XXXX Date XXXX : XX/XX/XXXX Remarks : Collection
Product: Checking or savings account

I received a promotion offering {$300.00} for opening a checking account, {$200.00} for opening a savings account, and an extra {$100.00} for opening both, subject to certain terms. The terms for opening the savings account was to fund the account with {$15000.00} for 90 days, within 20 business days. 

Upon opening the accounts, I linked an external account with Chase so I could fund my savings account with the required {$15000.00}. I initiated the transfer on XX/XX/2020, with an expected receipt date of XX/XX/2020. On XX/XX/2020, I checked to see that my account was funded, but I instead saw that it was not, and that the transfer was " pending review ''. No notice was given to me that this was occurring, they just decided they could hold up this transfer without telling me. The status of my transfer was then moved to " Rejected '' on  XX/XX/2020. Again, nobody provided me with any information as to why. 

I feel their advertisements and terms are extremely misleading, as apparently they believe they can prevent people from actually meeting the terms of these promotions so long as they can make a vague claim of " security '' to squash transfers.
Product: Debt collection

TIS IS A MEDICAL BILL in the state of California it illegal if you don't have health insurance. me and my family have had state medical for over 15 years. I covers everything. THIS SOULDNT BE A COLLECTION ACCOUNT.
Product: Credit reporting, credit repair services, or other personal consumer reports

American Express is continuing to pull my report without my consent. 
I do not do business with American Express. 
I have never inquired about a card or any service from them, so why do they check my personal consumer report once a month without my consent even though Iv'e asked them to stop?!