23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am a victim XXXX XXXXXXXX The information listed below, which appears on my credit report, is the result of that XXXX 


XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$120000.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$1000.00} XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$840.00} XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX -- {$4000.00} XXXX - XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, XXXX -- {$140.00} XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$850.00} XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$4000.00} XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$140.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XX/XX/XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX, XXXX -- {$140.00} XXXX XXXX XXXX XX/XX/XXXX -- {$1800.00} XXXX XXXX XXXX XX/XX/XXXX -- {$690.00} XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$850.00} XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$4000.00}
Product: Debt collection

They call 15 times minimum everyday, starting before XXXX and still calling after XXXX. They call from different numbers. I have answered numerous times and asked them to please stop calling me and they still do
Product: Prepaid card

My XXXX  unemployment card closed with balance of XXXX I have only received XXXX of the balance. 

They are giving me issues The letter I received you have balance of XXXX but we can only pay XXXXXXXX XXXX Which is XXXX XXXX. 

I want my money
Product: Credit reporting or other personal consumer reports

I XXXX XXXX, have contacted the companies to confirm the information on the credit report and confirmed that the information is correct. by doing a deep look through my credit report I noticed that some of the information was not accurate. 

XXXX XXXX XXXX Account number # XXXX Address : XXXX XXXX XXXX, XXXX PA XXXX amount of {$140.00} In accordance with the Fair credit reporting act acct # XXXX has violated my rights. 

15 U.S.C 1681 section 604 A states I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it's also stating a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card

I applied for a secured credit card with Discover. When I first applied they told me that I needed to upload a photo of my social security card in order for my account to be verified. I was XXXX during this time and did not have my social security card on hand, so I decided to not move forward with the account. I did not express this to the bank, but I assumed they would not approve me for the card without proper verification. Since this was a secured card, I provided my account information where the money would be taken. Four weeks after applying for the card, I saw that I {$200.00} had been removed from my account. I called Discover immediately and they told me my card had been approved. I told them to close the account immediately because I never gave verification for them to open it. They then told me they would close the account, but I would n't be able to have the {$200.00} back on my account for 3 cycles ( 90 days ). I am a college student and I opened up this account to try to build my credit. Before opening this account, I had no credit score at all, since opening this account and then closing it, I now have a score of XXXX. I never used the card, so the balance was {$0.00} and I closed the account within hours of it being approved without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got theseaccounts that does not nelog to me and i want them to be remove from my credit report. 

1. Identity Theft TARGET/TD Account XXXX : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following hard inquiries currently listed on my XXXX XXXX, Equifax, and XXXX credit report are unauthorized and not my hard inquiries : XXXX XXXX, XX/XX/XXXX, XXXX XXXX DC, XX/XX/XXXX, XXXXl XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX and XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Full Name : XXXX XXXX, XXXX : XX/XX/XXXX, XXXX : XXXX
Product: Money transfer, virtual currency, or money service

I received a car insurance claim payout from XXXX to my Venmo account to amount of around {$6500.00}. After receiving the payout they froze the account. They have given me no reason as to why the account was frozen and said I would receive an email concerning the situation in 7-10 business days. I never would have had the money deposited onto Venmo had I known there was a possibility of them freezing my account for absolutely no reason. Because I was unable to access my funds to buy a new car I lost my job which was very well paying relative to my past jobs. Venmo continued to hold this money and now I am unemployed without income and without transportation, and now face eviction. Venmo literally ruined my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX company, continues to maliciously, inaccurately, and illegally report this bogus collection to equifax. See attachment. 

The initial delinquent date is suppose to be XX/XX/2014 and they continue to report it a year later beyond the accurate date!
Product: Credit card or prepaid card

On XX/XX/2020 I received an email from Capital One let me know that my credit card was getting renewed for the annual membership fee of {$95.00}. Given the situation with COVID-19, I am being very careful with my finances and did not want to use a service unless it is absolutely necessary. I immediately called to let them know I did not wish to pay the annual fee and would either cancel the card or downgrade to a non paying card. They offered me a non membership fee card and my understanding was the annual fee would thus be removed. I received the non membership fee card around XX/XX/2020 which clearly indicated it was a no fee card. On XX/XX/2020 I got an email saying that {$95.00} was due. I gave it a few days and checked my account online and still noticed the charge was still there. So on XX/XX/2020, I called Capital One. I spoke to the billing department and the dispute department and they both said there is no way to remove that fee. Even though I am not using that service and am not using that card, they do not have a way to remove the charge. I asked to speak with a supervisor and they repeated the same thing. I told them they can't charge me for a service I am not using and that I cancelled the moment the emailed me about the renewal. The supervisor refused to do anything. I asked this issue to be escalated to a higher individual, and he basically said there was nobody he could escalate it to and said that it was a final decision.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filled a compliant with you in regards to my investigation that was performed with the credit bureaus and your response was that " the company responded that I was not an authorized representative ''. I have no idea how that would be so!!! Please re investigate. The old complaint # was XXXX.
Product: Checking or savings account

i was in XXXX  XXXX  and they keep saying that it was no error so they making me pay by closing the account and i would like my account and sofi wont give me my XXXX some dollars and social secuity making me pay it back and they have information that they sent the check to them and sofi keep deinying it
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is unauthorized and has invalid information and violates my 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 1681 Section 602 States I have the right to privacy.
Product: Credit card

In early XXXX, I was contacted by the Risk Management Department of Iberia Bank informing me that my credit card had been compromised. I immediately cancelled the card and a new one was issued to me. I am fairly certain that the card was compromised at the XXXX XXXX in XXXX, XXXX since I place an order for XXXX copies of the paper and incurred a $ XXXX charge. I started to receive merchandise at my home and I contacted the XXXX County Sheriif 's Department and filed a report. The officer told me to keep the '' stuff '' and catalog the products. Several weeks later, I received an affidavit from the Risk group of XXXX and I noted that XXXX of the products I received. The bank had given me credit for all the charges, however, when I received my next statement, the XXXX items were charged to me. I made numerous calls to the XXXX and also to XXXX and spoke with a XXXX XXXX. She then escalated the problem to a person by the name of XXXX in the XXXX. After being offended by her screaming at me over the phone, I asked her what I should do. She told me to return the products to the vendors which I did. On XXXX XXXX, I faxed to her the XXXX receipts and she acknowledged on XXXX XXXX that she received the fax. She then informed that she sent it to " upper management '' for review and that she would call me on Saturday, XXXX XXXX with an update. She never called! I called her on Monday, XXXX XXXX and asked why she did n't call to which she had no answer. I then told her that I was recording the conversation. She was very pleasant on the call! However, she said once more that " upper management '' did nothing with the information and said maybe they were on vacation. She declined to give me a name or phone number for " upper management. '' I sense a great deal of APATHY within her and the department. On XXXX XXXX I spoke to a XXXX in that department and she provided me with a phone number of XXXX to contact. The number was bogus ... .some company trying to sell stuff ... .I felt that they were playing with me ... .and they were. Today, XXXX XXXX I filed a complaint with the BBB. Also, XXXX XXXX of the Sheriff 's department has not spoken with any of the vendors to get the IP address. I feel I had no choice but to escalate this to the Consumer Protection Agency.
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint against XXXX XXXX XXXX for their failure to honor a XXXX XXXX XXXX  and the resulting negative impact on my credit report. Despite repeated assurances and acknowledgments of their error, XXXX XXXX XXXX has failed to resolve this matter for over XXXX months. 

In XXXX, I was experiencing significant personal and financial hardship due to the following reasons : Separation after a XXXX relationship, leaving me XXXX. 
The tragic death of my sister, for whom I was responsible for handling all affairs. 
The resumption of a {$1500.00} per month student loan payment, further straining my finances. 

I communicated these issues to XXXX XXXX XXXX, and XXXX separate agents assured me that I qualified for their XXXX XXXX XXXX They agreed to place me on this program, which would have allowed me to defer payments until XX/XX/year>, by which time I would be able to resume payments as normal. Unfortunately, despite these assurances, XXXX XXXX XXXX failed to enroll me in the hardship program, and I was subsequently reported as delinquent for five months of missed payments. This severely damaged my credit score. 

In XX/XX/year>, I contacted XXXX XXXX XXXX to resolve this issue, and they admitted multiple times that they had made an error by not placing me on the hardship program as promised. They agreed to correct the reporting with the credit bureaus, changing the status to " XXXX XXXX, '' which is what should have been reported had they followed through on their commitment. They also promised to send a creditor courtesy letter stating the corrected dates. However, none of this has happened. 

Over the past XXXX months, I have made numerous attempts to resolve this matter. Every time I speak with XXXX XXXX XXXX, they acknowledge their mistake and assure me that they will correct the credit reporting. Yet, they have repeatedly failed to take any action. They have also failed to send the promised courtesy letter. 

The ongoing lack of resolution has caused significant damage to my credit, despite XXXX XXXX XXXX clear admission of fault and continued promises to fix the issue. I am seeking CFPB 's assistance in ensuring that XXXX XXXX XXXX follows through on its commitments and corrects the inaccurate credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a SYNCB/XXXX XXXX XXXX that was solicited to me while checking out at XXXX XXXX one day. For a long time I was able to maintain an excellent payment status with them for many years. Then my son was diagnosed with a XXXX XXXX and I had to pay copays and deductibles for his healthcare, and medications. My Husband suffered a XXXX XXXX, and then my son developed XXXX During this time my payments became sporadic and due to the added fees and penalty 's I could never get caught up. I called and tried to work out something with SYNC and was told until I paid the current balance due they penalties would continue to be applied. As you can imagine once your behind so far there is no way to catch up with the additional fees and penalties. 
I eventually opted to close the account and go on a payment plan of {$73.00} per month. During the next few years I made payments from XXXX to XXXX per month in an effort to pay the account off as quickly as possible and try to repair my credit. During that time I missed no payments and was able to pay the balance in full XXXX of XXXX. I have just pulled my credit report and called XXXX and SYNCB and requested that they do anything they can to remove this derogatory remark from my credit report and they have advised me that it is there until XXXX. This is very disheartening as I worked very hard to correct my mistake and I kept my end of the bargain. Can you advise me of any way that this negative report could be removed. I just really want to improve my credit score and not feel as though I am being held prisoner by this negative report. Much like a prisoner who has served time I feel like I have repaid my debt to society and would very much like to not feel like this is over my head. The account in question is XXXX XXXX XXXX XXXX. 

I recently purchased a newer car and they ran my credit for financing. I now have 3 hard inquiries that will bring my score even lower for 25 months. I really find it unfair that just an inquiry to find a finance company can have such a negative impact on my score. I did not choose these companies nor was I really aware that it would be run multiple time. It seems that this penalty should be eliminated from all credit reports as a derogatory mark against someone looking to better their current situation.
Product: Credit card

American Express has misguided me into closing my platinum card account, saying I could still use my XXXX membership rewards for 45 days once the card had been closed. Once the card was closed I could no longer redeem these rewards. I have tried to reopen the card to use the rewards, but American Express have rejected my application to reopen the card citing credit reasons. I feel I have been treated unfairly, and having been an American Express cardholder for 11 years, now feel cheated out of my rewards by having been advised to close the card and stipulated to that I could still access these rewards.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding zelles handling of disputes, particularly in lights of the recent CFBP 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 the recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFBPs 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: Vehicle loan or lease

My vehicle was totaled in a hail storm, Carmax was notified of this by my insurance company and arrangements for final payment were made with my insurance company. Carmax continued to call me daily requesting payment. I explained the check was being sent. The check was in fact sent and received by Carmax on XX/XX/XXXX. I contacted them asking how long before the payment would post. I was told 2-3 days. I continued to receive harassing calls, I explained that they have the check, I provided the check number and tracking information. I continued to get harassing calls. I was then told by Carmax that they would put my account on a cease and desist from calling list ( their words ). I continued to get harassing calls daily. Again, I explained the situation and was assured my account would not be contacted. WRONG, I continued to get harassing calls. CARMAX has the final payment but for whatever reason has not posted it to my account. This also made it more difficult to get a new loan because it appears that I still own the previous car. In addition, they have harassed me daily at work and home, wasting my time, interrupting my work and still have not posted the check. I did get financing for a new car but suspect have a higher rate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized credit inquiries on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account Name : XXXX XXXX XXXX XXXX Account number : XXXX, Account Name : XXXX XXXX XXXX Account number : XXXX, Account Name : XXXX XXXX XXXX XXXX Account number : 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
Product: Checking or savings account

On XX/XX/XXXX, I made a point of sale purchase at a local merchant for exactly {$50.00}, for which I have the receipt. Upon reviewing my bank activity this morning, I realized that the merchant charged me {$52.00} and Fifth Third ( my current bank ) charged me another {$3.00} for this transaction. With further investigation, I discovered that the merchant processed this as an ATM transaction, without any disclosure to me of that fact, which was not at all the case. I was standing in front of a register with a cashier and swiped my card on a pin pad like you would at any other merchant. I called the merchant and they refused to correct the issue, but did acknowledge that they process point of sale transactions as ATM transactions. Fifth Third is now refusing to allow me to dispute this transaction, which I believe to be in violation of federal law.
Product: Debt collection

This debt is in relation to a lease agreement for an apartment. The lease was ended early, due to loss of employment. There is a specific clause in the lease that allows for the term to be ended early if you were to become unemployed in the first 6 months of the lease. We provided the apartment complex 30 days notice that employment was lost and that we would be ending the lease early. The final XXXX months of rent was paid and the apartment was vacated. 4 months later we received a letter from National Credit Systems stating we owed a debt of {$2200.00}. We requested information as to the validity of this debt and any documentation showing what these charges were for and how this was determined. We filed the dispute with NCS on XX/XX/XXXX. Today is XX/XX/XXXX and we still have not received any information regarding the details behind this debt. The apartment complex is XXXX XXXX XXXX XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Credit Inquiries What Happened? 
I previously submitted an official complaint to the Federal Trade Commission ( FTC ) concerning unauthorized inquiries appearing on my credit report. The complaint was filed on XXXX XXXX, under FTC Reference Number XXXX. 
Complaint Description : My credit report reflects unauthorized inquiries that were made without my explicit consent. I have contacted the creditors responsible for these inquiries, and they have confirmed they possess no evidenceneither written nor verbalthat I authorized or initiated these inquiries. This clear lack of valid authorization constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 
I have formally demanded the immediate removal of these inquiries, as they are baseless and negatively impact my credit profile. However, the credit bureau in question has failed to provide a satisfactory resolution or appropriate action. This failure to address unauthorized inquiries prompted me to escalate the matter by filing a formal complaint with the FTC. I urge the immediate removal of these illegitimate inquiries to ensure compliance with federal regulations and to restore the integrity of my credit report. 

Details of Disputed Inquiries : XXXX. XXXX XX/XX/XXXX, XXXX. XXXX XXXX XX/XX/XXXX, XXXX. XXXX XXXX XX/XX/XXXX, XXXX. XXXX XXXX XXXXXX/XX/XXXX, XXXX. XXXX XX/XX/XXXX, XXXX. XXXX XXXX XX/XX/XXXX, XXXX. XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it. 
XXXX XXXX XXXXXXXX Balance : {$390.00} & XXXX XXXX Balance : {$1900.00}
Product: Credit reporting or other personal consumer reports

I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2018 I noticed that an auto draft for my mortgage payment with XXXX XXXX  had still went through on my checking account even though I had taken it off auto draft and made other arrangements to make my mortgage payment. I contacted Suntrust and they applied a stop payment and reversed the fees. However, on XX/XX/XXXX, I noticed that the charge had returned. This caused my account to go into overdraft and for me to not just have no money left in my account, but also to incur multiple overdraft fees. I was told I had to speak with employees at a branch and received virtually no help from them. By XX/XX/XXXX, I was told by the branch manager of the XXXX XXXX branch that Suntrust would rectify the problem in 10 days and until that time I will not have access to any of my money. This would include not being able to have any money through the XXXX and XXXX XXXX 's holidays. The branch manager I spoke with was extremely indignant, unprofessional, and didn't seem to have the slightest understanding of how to do her job. As of this writing, I have had to get a cash advance just to be able to pay my power bill. Suntrust has admitted several times it is their mistake and apologized. However, apologies don't put gas in my car, food on the table, or make sure my lights stay on. When it comes to actually being able to help me in some way ... ..Suntrust just doesn't care.