23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a notice of d ebt ( File No.  :  XXXX  ; Acco unt No.  :  XXXX  ; Amount : {$1200.00} ) from  Rausch , Sturm , Israel , Emerson & Hornik LLC (   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   ,  WI  XXXX  ) in  XXXX   XXXX . On  XXXX   XXXX ,  XXXX , I sent a letter certified, return receipt requested  (   USPS Tracking No.   XXXX  ), disputing the validity of the claim and requested verification of the alleged debt. The letter was received on Rausch on  XXXX   XXXX ,  XXXX . I never received any response.     On  XXXX   XXXX ,  XXXX , Rausch filed a small claims action against me in  XXXX   XXXX , WI  (   XXXX   ). I  appeared in court on  XXXX   XXXX ,  XXXX  and again disputed the validity of the claims and requested verification of the alleged debt. I have appeared in court  three tim es to date and  Rausch  still has not provided the requested verification ( they have provided an account statement for an account I have never had, and for which I have provided proof that it does not match the account I had with the company ). I am now required to appear in court yet a fourth time.     This action was taken in violation of the FDC PA Sec. 809 ( b ) as Rausch was notified in writing within the thirty-day period described in subsection 809 ( a ) that the debt, or any portion thereof, is disputed, and the debt collector failed to obtain or provide  verification of the debt to me.
Product: Credit reporting or other personal consumer reports

i sent a notice of dispute dated XX/XX/24 to transunion llc they received the dispute on XX/XX/24 tracking number # XXXX i.n the dispute i let them know that there was inaccurate information in my consumer report furnished to XXXX XXXX bank from transunion llc without my consent and XXXX XXXX XXXXXXXX bank did not follow reasonable procedures and failed to investigate the dispute its been more then 30 days already
Product: Credit reporting, credit repair services, or other personal consumer reports

In the month of XXXX I sent a letter to XXXX XXXX Bank, where the error that was provided in my credit report was expressed, affecting me negatively. 

They contacted me letting me know that that report would be deleted from my account in the next 30 days. 

Reviewing my credit report, the other agencies that reported this account deleted it from my history, satisfactorily, but with this agency I have not yet had any kind of response, it is for this reason that I am contacting you to let you know that please I need this negative information to be deleted from my report as soon as possible. 

Thank you!
Product: Debt collection

I recently obtained a copy of my credit report showing a collection account with the name of Kenneth Eisen & Associates. The report states it was for a XXXX office. I was under XXXX at the time the account was allegedly opened with the creditor. I was never given any bill, notice, or opportunity to see why any bill was given. I also was covered under my mother XXXX XXXX medical insurance. 
This should not appear on my credit nor am I responsible for anything that they claim is owed.
Product: Checking or savings account

On XX/XX/XXXX I noticed a transfer for XXXX to a simple non migrated account. 
We called on XX/XX/XXXX and have called multiple times since. 
We have yet to receive answers as to where our money went. 
SIMPLE bank customer representatives keep saying it's under investigation and they don't have any details This transaction says " SIMPLE non migrated account EFM '' On Tuesday XX/XX/XXXX we received an email saying that our account was pending closure and the reasons are confidential. 
We are requesting that this transaction is reversed and our money is returned before the account closes.
Product: Credit card or prepaid card

XX/XX/2019 I received a XXXX XXXX financial card from Comenity to pay for dental work. They stated no interest for XXXX with a minimum monthly payment. Only to find out that the no interest is dependent on paying meeting a bench mark at XXXX  months and again at XXXX  months. The minimum payment wouldn't even be close to hitting those marks so the penalty is being hot with all of the interest for the entire duration of the loan even though consistent monthly payments are made.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a letter requesting a copy of my consumer reports. I have talked to representatives over the phone and currently still waiting to receive through mail. It has been over 2 months now.
Product: Mortgage

XX/XX/XXXX, Called Citizens Bank requesting escrow removal, was told escrow was short {$3.00}, paid that on phone was sent paperwork to fill out to remove escrow. 

XX/XX/XXXX, Filled out paperwork sent back registered mail to Citizens Bank XX/XX/XXXX. Received letter stating request denied based on " investor of your loan requires an escrow account. NOTE Citizens is not original investor/note holder XXXX XXXX XXXX is original loan holder. 

XX/XX/XXXX. After numerous calls to Citizens Bank without call back XX/XX/XXXX, XXXX I called on XX/XX/XXXX, Talked to XXXX a supervisor, told me same lie of original loan holder requires escrow, went on to tell me underwriter paperwork could say it which I would not be privy to! Then explained I had to have XXXX XXXX of loan paid I am closer to XXXX XXXX. Was told they would send paperwork again, but a fee would be charged. 

XX/XX/XXXX, Called again, have been making very large monthly payments yet they try to take them as early payments instead of applying to principal, second month I have had to do this. Talked to a supervisor, was told request was denied again, yet I received no paperwork to fill out. However they did send a letter stating ESCROW was going up do to " estimated '' increases. Was told VA requires an escrow account. Told them I needed to talk with head supervisor, he said he would send up request and I would be contacted. 
XX/XX/XXXX, Called VA talked to loan representative was informed NO as she was laughing, VA requires/required no escrow account on mortgages. Explained my problem to her and she could not believe the lie that I was told by Citizens was told to file complaint with CFPB. 
XX/XX/XXXX, XXXX XXXX XXXX XXXX, who was the original loan provider asked if I had to keep the escrow account. I explained my views IAW closing documents I had signed. She said NO they do not require an escrow account also she said Citizens had bought the account and thus was now the primary loan holder not just an intermediate collecting the payments. I explained to her what has occurred, she suggested I file a complaint with the Federal Trade Commision. 

I am retired veteran with 100 % XXXX permanent and total, I have paid every payment on time with extra principal on every payment. The last XXXX months I have paid the equivalent of XXXX months on each month 's payment. I am trying to pay off my last bill and become debt free. I have been lied to by this company numerous times as you can see from the above statements with the purpose of financial gain from this company through keeping and escrow account for interest accumulation that I do not receive and from the fact they will lose thousands in interest money from the early pay off. 
I have over an XXXX score on all XXXX reporting agencies, never late on any bills. Original loan paperwork does NOT require an escrow account, so they have no plausible reason to deny my request to cancel my escrow account allowing this money to also go toward principal reduction. 

Thank You XXXX XXXX
Product: Credit card or prepaid card

Yesterday XXXX XX/XX/XXXX Friday I placed an online order with XXXX XXXX XXXX For a purchase of a new XXXX. The credit card was rejected. I normally receive an email that says we have suspected suspicious activity on your credit card is this really you using the card? followed by the option to say yes or no. But this time I received an email telling me they have monitored suspicious activity please cal an XXXX toll free number. This time there was no option asking me if this was you please say yes or no. When I called the number I heard a recording that no one is here right now please call back another time. That was weird. Usually theres someone there 24 hours. 
The next day today that is Saturday XX/XX/XXXX I called the credit card company and I explained the problem. The person got in to my account and read the purchases and I concurred yes those are all my purchases. The person than said I have to connect you with the fraud department to re set or reuse your credit card. I was connected and repeated the process again only this time the person said my account didnt exist. I gave her card number, social security number my name 3 different times am doing still the person said I cant find your account. She eventually and rudely hung up on me. I have had this card since XXXX and I still cant believe the person cut me off and hung up on me but there it Is. And that I said my compliant in a nut shell
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance Owed : {$6200.00} XXXX XXXX Balance Owed : {$3700.00} XXXX XXXX XXXX Balance Owed : {$530.00} XXXX XXXX Balance Owed : {$730.00} XXXX  XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX am writing this complaint today about my XXXX XXXX account that is reporting inaccurate information across all 3 credit bureaus. The account is posting as an delinquent account however, on my account all payments on this account since I had it from the beginning of XXXX have been on time with no late payments however, there is a 30 day late payment reporting for XX/XX/XXXX that is incorrectly reporting. I have never missed a payment o this card and I need this fixed as I am going for a mortgage loan and this incorrect information on my report is severely hurting my score where I can not get approved for my dream home
Product: Credit reporting

I have XXXX different names reported on my Trans union credit report and XXXX addresses that do not belong to me. I recently sent Transunion a copy of my drivers license as proof of my correct name and that I have not used any other names to apply for credit or any other paperwork. They refuse to correct my report to the correct name which is XXXX XXXX XXXX. The names that need removed are XXXX XXXX o XXXX XXXX and XXXX XXXX XXXX XXXX XXXX.
Product: Checking or savings account

Used Navy Federal Credit Union 's ( NFCU ) Bill Pay ( AKA " Check Free '' ) to send a donation to my church on XXXX XXXX XXXX Bill Pay sent a {$480.00} check in US Mail to my church. The check was stolen from the Church 's mailbox. The check was altered and cashed. Church filed a police report. I have copy of the altered check. Filed Affidavit as NFCU provided. It has been eight months since this happened. I've communicated with NFCU Bill Pay over 100 times to no avail. I have not received my {$480.00} returned. All above is properly documented and available. 

In short, in every attempt to get answers from NFCU, I am asked to call them and am promised I will hear something soon. I never hear back. I wrote to the CEO of NFCU. To no avail. I filed complaint with FTC. 

After 8 months, as of today, XXXX, I received the exact same response to call NFCU and discuss. I've spent hours upon hours on the phone with NFCU and their Bill Pay/Check Free. I am not told what they are doing to help me. They won't tell me when or if I will have my money returned.
Product: Credit reporting or other personal consumer reports

I have contacted/filed disputes/ filed complaints with Transunion many many many times at this point due to them suppressing my paid off mortgage on my account. Data mortgage has sent me several letters/emails stating my payment was not late and that paid off mortgage should be on my credit report. On XX/XX/year> XXXX XXXX XXXX  XXXX XXXX XXXX  was added back to my credit report but still had the 30 day past due amount added. I was told from the person whom I spoke to from customer support on XX/XX/year> to submit a dispute stating that just the past due amount needed to be removed. I filed a dispute on XX/XX/year> with all supporting documents. As of XX/XX/year>, Transunion SUPPRESSED the paid off mortgage from my account AGAIN which is completely inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently obtained a copy of my XXXX credit report. it showed a credit inquiry by your company SYNCB/XXXX XXXX '' that I do not recall authorizing. it is my understanding that you are not allowed to put an inquiry on my file unless I have given you express authorization to do so. Please have this inquiry removed from my credit report because it is affecting my loan applications and making it very difficult for me to acquire credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

the Equifax breach caused some inaccuracy on my credit report please remove them FCRA violations XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureau never sent me the full procedures that were took to investigate the inaccurate accounts being reported on my credit profile such as the original contract, my wet ink signature agreeing to terms on contracts with credit and ectEquifax violated my right under the FCRA Equifax never sent me the full investigation that they took to validate that accounts I demand that Equifax Removed the 2 inaccurate accounts off of my credit report immediately the two accounts below are being reported inaccurate and doesnt belong to me and is being reported inaccurately on my credit report please remove immediately. Thanks Inaccurate Accounts : XXXXXXXX XXXX XXXXXXXX Account number XXXX, has violated my rights. 





15 U.S. Code 1681i ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers 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.
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, myXX/XX/XXXXand 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.
Product: Credit card

The website is down. It's XX/XX/XXXX, the payment is due XX/XX/XXXX, I'm assuming that every customer shares the same due date and Comenity does this on purpose. Every month, I have trouble logging onto the website when the payment is due.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX Consumer Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX 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 credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 

This fraudulent, inaccurate, and false information consists of the following fraudulent accounts and inquiries identified through my investigations and verified through FTC Identity Theft Complaints : Credit Card Account : Opened at XXXX ( XXXX XXXX ) on XX/XX/XXXX, under the account number XXXX, with a total fraudulent amount of {$7000.00}. 

Credit Card Account : Opened at XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, under the account number XXXX, with a total fraudulent amount of {$4600.00}. 

Personal Loan Account : Opened at XXXX on XX/XX/XXXX, under the account number XXXX, with a total fraudulent amount of {$0.00}. 

Personal Loan Account : Opened at XXXX XXXX ( Upstart Finwise ) on XX/XX/XXXX, under the account number XXXX, with a total fraudulent amount of {$0.00}. 

These fraudulent accounts have resulted in several related hard inquiries appearing on my consumer credit report, including : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attached to this complaint are : A list of hard inquiries related to these accounts A copy of my consumer credit report highlighting the fraudulent items FTC Identity Theft Criminal Complaint # XXXX as proof of identity theft and fraud I do not recognize any of the aforementioned accounts, collections, or hard inquiries. The accounts, collections, and hard inquiries appearing on my consumer credit report were not opened, made, or initiated by me. All of the items mentioned in this complaint are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that several accounts have been opened in my name with your company without my consent or authorization. Upon reviewing my credit report, I discovered 3 accounts associated with Affirm Inc. that I did not apply for or approve. This constitutes unauthorized use of my credit and is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ) and Consumer Financial Protection Bureau ( CFPB ) regulations. 

Under FCRA Section 605B, once I report fraudulent use of my personal information, you are legally required to block or remove any fraudulent accounts that were opened without my authorization. I am exercising my rights under the FCRA and demand that you immediately remove or block these unauthorized accounts from my credit history within 4 business days of receiving this notification.
Product: Credit reporting, credit repair services, or other personal consumer reports

A loan of some type was charged off onto my credit report. The company is called XXXX XXXX. The account is costing me XXXX dollars in higher interest rates
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting of credit utilization by XXXX - XXXX  on my [ XXXX, Equifax, or XXXX ] consumer report, which I believe is in violation of the Fair Credit Reporting Act ( FCRA ) and relevant consumer laws. 

Upon reviewing my consumer report, I noticed that the line of credit I have with XXXX - XXXX, specifically account number XXXX - XXXX, is characterized as utilization. This reporting is illegal as it contravenes the stipulations of 15 USC 1681a 2 ( A ) ( i ), which clearly states that a consumer report does not include information solely as to transactions or experiences between the consumer and the person making the report. 

In my case, the utilization reported is an experience between myself and XXXX - XXXX. According to the law, such transactions or experiences should not be included in my consumer report. By reporting this utilization, XXXX - XXXX has violated the FCRA 15 USC 1681a 2Ai. 

I have previously reached out to XXXX - XXXX  regarding this matter, but they have refused to comply with the penal codes stated by Congress in accordance with consumer law. Therefore, I am demanding that XXXX - XXXX  update my utilization to 5 % or below or delete all utilization from the aforementioned account within 10 calendar days of this notice. 

Failure to satisfactorily respond with the deletion of the above utilization will compel me to take legal actions against XXXX - XXXX. I will be seeking remedies for : Defamation of Character Negligent Non-Compliance Civil Liability Mental Anguish Violations of the Fair Credit Reporting Act 15 USC 1681, specifically for willful noncompliance as outlined in 616 [ 15 U.S.C. 1681n ]. 
Furthermore, any attempt to close this account in response to my demand for the removal of the utilization from my credit report will be considered an adverse action in violation of 15 USC section 1691. 

I expect prompt action to correct these inaccuracies in my consumer report. Additionally, I request written confirmation of your compliance with this request and a revised copy of my credit report post the deletion or correction of the disputed information. 

Thank you for your attention to this urgent matter. Please feel free to contact me for any further information or clarification needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE XXXX  YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.
Product: Payday loan

I received a flyer in the mail about being pre-approved for a loan of at least {$400.00}. I applied for the loan online at bigpictures.com, within 10 minutes I received a phone call from a rep at big picture loans. I was informed I was approved for a {$800.00} payday loan and my interest would be {$280.00}. Total loan amount {$1000.00}. So I agreed to that term which seemed fair. What I did not know, and could not see at the time I accepted this agreement, was that the Truth in Lending disclosure was not visible at the time I accepted this loan and the loan had been processed and funds deposited in my account, it showed a APR of 739.9891 % making my total pay back amount {$6800.00}, finance charge amount is {$6000.00}. Big picture loans has debited a total amount of {$840.00} from my account my past three paydays.
Product: Credit reporting or other personal consumer reports

My credit report from XXXX app, TransUnion and XXXX has not been update for months. All though Ive making all payment on times my credit report remain the same. 
I have attached proof of my credit report from XXXX  XXXX  that constantly been updated. 
XXXX never updated my credit report.
Product: Checking or savings account

Kabbage XXXX Monday - Friday XXXX XXXX. - XXXX XXXX. XXXX Saturday - Sunday XXXX XXXX XXXX XXXX XXXX XXXX XXXX Kabbage employed unethical practices pertaining to consumer solicitation for opening a checking account. Representatives are steering consumers to obtain a business loan/ line of credit and ignore requests to actually open a checking account without also obtaining a loan from one of their affiliate lenders.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dispute has been pending since XX/XX/ with no updates