23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

This company bought my XXXX XXXX XXXX and never notified me that they had the debt. We only found out because target listed it as a charge off, and the debt settlement company im enrolled with, had the resources to go and look up out who has it now. I had told target I was enrolled in debt settlement and they sold the debt before my debt settlement company could contact them. After the debt settlement company looked up and found out that XXXX & XXXX had the debt, I personally tried to make contact via phone call and email. I was passed around in circles, then transferred to a voicemail in another language and they never responded to my email. The agent was rude and didnt care to help me, even though I said XXXX trying to settle a debt that they recently took over. My debt settlement company then contacted them, they responded once to request authorization for them to speak on my behalf, which they sent to XXXX XXXX XXXX. It is now the end of the week, and they still havent heard anything back. We have actively tried to get In touch with them. Also, I still have not seen anything or documentation from XXXX XXXX XXXX XXXX them taking over the account. I dont even know what the actual balance is! They are required to notify me of the debt and allow me time to dispute or negotiate it. They havent even followed that step yet. If I wasnt enrolled with the debt settlement company with the resources that they have, I would have never known who took over the debt. We live in Arizona, and our mail is forwarded. So we know they havent sent it to our old address either.
Product: Credit reporting or other personal consumer reports

I attempted to check the status of my disputes, fraud, etc., and I was barred from accessing any of these services from TranUnion. Every product I attempted to access, I get the following error message : We're unable to process your request at this time or Looks like we cant access your dispute information. As a consumer, I have the right to access my information in my credit file. This is a violation of my rights.
Product: Checking or savings account

BB & T Bank located at XXXX XXXX XXXX, XXXX, PA XXXX utilizes the same double-dipping scheme to harvest junk fees that XXXX XXXX XXXXXXXX was just fined {$100.00} XXXX dollars for and should be investigated immediately. On XX/XX/2018, I submitted a complaint to BB & T via email as I was excessively charged overdraft fees because my job delayed my direct deposit for one day, which was out of my control. BB & T illegally double dipped on the overdraft fee and refused to refund it. The illegal excessive fees resulted in my account balance dropping to - {$96.00}. I was in need of medical attention and was unable to see a doctor because of the illegal excessive fees. I stated I would close my account if they do not at least refund the second excessive charge, and they still refused to refund the illegal fee. When I drove to the location to close my account, they refused to close my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I'm hoping that these disputed items be UPDATED immediately. 

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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I bought tickets from XXXX XXXX agency, but they messed up my flights and rescheduling. I requested a refund from them, but they denied it. I contacted my credit card company to dispute the charges and filed two cases : Case # XXXX Invoice # XXXX and Case # XXXX Invoice # XXXX. The merchant submitted fake documents for both cases. I sent my documents to CapitalOne many times by mail, email, and online file. CapitalOne told me that they reached the time limit for the case ending with XXXX and that they could not do anything. They told me to contact the merchant myself. For the second case, they said they would rule in my favor, but they would deduct XXXX from it because the merchant refunded that amount. CapitalOne did not send me the documents the merchant provided, so I could not challenge them. I insisted on getting the documents from the merchant, and CapitalOne finally sent me a copy on XX/XX/2024. Thats when I discovered that the merchant sent forged documents to make CapitalOne take the wrong decision.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several disputes on behalf of the incorrect information being reported on my credit report. The last dispute was received by the credit bureau on XX/XX/2021. Since then, I have not received a response regarding the investigation I requested into the information on my report. Per the FCRA, the credit bureau is required to respond within 30 days which has not happened. The credit bureau has NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. None of this has happened and as a result my personal credit has continued to suffer.
Product: Debt collection

I am writing to formally dispute an unauthorized entry on my credit report. I recently reviewed my credit report and noticed that an account ( or inquiry ) was listed that I did not authorize. The details of the disputed entry are as follows : ZuntaFi in the amount over {$4000.00} I did not give permission for this account to be opened or for any inquiries to be made in my name. This entry is negatively impacting my credit score and may be the result of identity theft or an error. I request that you investigate this matter immediately and remove any incorrect or unauthorized information. I expect this issue to be resolved in accordance with the Fair Credit Reporting Act ( FCRA ), and I request that the disputed item be removed from my credit report within the statutory 30-day timeframe. 

If further information is needed, I am happy to provide it. I appreciate your prompt attention to this matter. 

Thank you for your cooperation. 

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

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XXXX XXXX, XX/XX/2022.
Product: Payday loan, title loan, or personal loan

XXXX XXXX in Wisconsin calls me 3 times per day on a {$300.00} personal payday loan taken out 4 years ago. I have received threatening calls from Texas accusing me of bank fraud in this matter.
Product: Debt collection

XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, FL XXXX Attention dispute department : M J ALTMAN COMPANIES I XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not  responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a  notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious M J ALTMAN COMPANIES I XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Mortgage

Our lender has caused nothing but problems since pretty much day 1 of this loan. We've had them misplace numerous documents, lose access to ex-employee info that included our file that she was working on, communicate with the seller of our home instead of us directly, and so many more things that I can't even get into right now, but what we really need them to fix here is the fact that since XX/XX/2019 we have been calling repeatedly, sending messages and leaving messages about refinancing our loan due to a loss of income, and more recently with the covid-19 pandemic, we filed again for help with the loan, all with NO REPLY OR RESPONSE from the company! They have been made well aware of the financial situation, we've sent them the hardship papers twice now, and again, the covid-19 application too, so that's 3 applications we've filed for help with them, only to have them completely DESTROY our credit every month by reporting it late despite our pleas for help with this. We just found out they raised our monthly payment roughly {$100.00} per month with absolutely no idea why or explanation from them whatsoever! They refuse to add my wife on the mortgage information ( even though they talked to her thru the mortgage process and not me ) with having that request sent in several times as well! I've been yelled at, transferred, hung up on, and when I finally do get someone on the phone, it's a different story or information every time, so I have no idea what's going on or how to get out of this situation!?! They basically have me screwed right now because no one will touch this loan being it's been reported late from them.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an inquiry listed on my credit report. I have no record of initiating or authorizing this inquiry. I have carefully reviewed my financial records and can confirm that I did not engage in any financial transactions with the creditors that would have warranted such an inquiry.
Product: Money transfer, virtual currency, or money service

I am very concerned about the handling of claims using zelle. Particularly in light of the recent CFPB lawsuit highlighting serious issues with the platform. Despite using Zelle many times and filing disputes for transactions that were unauthorized my financial institution failed to investigate my claims adequately. I was informed that recovering lost funds through the zelle platform is impossible and tracking these transactions is unfeasible. The CFPB has identified that not only has zelle not protected its consumers but continued to allow repeat offenders to exploit the system which is unacceptable.
Product: Checking or savings account

On XX/XX/XXXX, I received a shocking visit from a case worker for XXXX XXXX XXXX in XXXX. Wells Fargo Bank alerted city authorities that I was unable to manage my finances due to co-payments to a legitimate therapist I was seeing. 

I have already complained to the XXXX XXXX XXXX XXXX XXXX. WHAT RIGHT DOES WELLS FARGO HAVE TO INTRUDE ON MY PRIVACY? 

This is an outrage. I did receive a call from their executive office in XXXX XXXX XXXX from XXXX XXXX. 

I am demanding a formal apology and damages!!!!!!!!!!!!!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

THE DISPUTED ITEMS DOES NOT BELONG, PLEASE RE-INVESTIGATE AND HAVE THE NEGATIVE ITEMS REMOVED OFF MY CREDIT FILE.
Product: Debt collection

Have requested payoff of alleged debt on multiple occasions. XXXX XXXX and XXXX has ignored each and every request. They need to be sanctioned, cited and reported to the IRS. They have also failed to provide a W9 as requested so that proper tax assessment reporting be made to the IRS. 

And, as for the originating application ( securities ) and Bank of America account, please do note no securities were abandoned and all statements have been reported to the IRS. It is hereby requested securities on the asset ledger be applied against any alleged debt owed. All accounts are to be zeroed out in full with any proceeds remaining sent to the beneficiary : XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing Fraudulent Information on my credit report since XX/XX/2022. And I have been waiting for the Credit Bureaus ' response but up until now, I haven't gotten anything from them. Regardless of the previous written request, the unverified items listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX, and Equifax Credit Bureaus failed to comply with the Fair Credit Reporting Act, section 605b and continuedreporting the disputed items without providing me copies of documents as proof of verification. This action made by the Credit Bureaus is a clear violation of the FCRA section 605b, a federal law, which is punishable by law. I am submitting this CFPB complaint to request that the Credit Bureaus remove the following fraudulent items completely from my Credit report, if the Credit Bureaus chose not to comply with the request, it leaves me no choice but to initiate legal action : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$4400.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$17000.00}
Product: Debt collection

In XX/XX/XXXX I discovered that my credit report reflected a collection account for {$72.00} from XXXX XXXX. The collection agency was Evergreen Professional. I was unaware of this debt or what it was exactly for. I contacted XXXX online, they told me they couldn't provide me with copies of the medical billings. I wrote to Evergreen and XXXX. I did finally receive a copy of billings at it showed I owed {$57.00} ( not {$72.00} ) from a XXXX XXXX. I paid it immediately when received and wrote to XXXX asking them to remove this from my credit report. They cashed the check. 

I had my credit looked at today, Evergreen still has a collection account listed there, this time for a third different amount, {$15.00}. They've listed this collection at {$72.00}, {$57.00}, and now {$15.00}. I have had ZERO response from Evergreen.  They do not respond to letters or disputes. I am hoping you can help and have this removed from credit account. The billing practices of XXXX created this confusion ( never saw the {$57.00} due amount until two and half years after the services ), the numbers have been wrong, and the communication terrible from both companies. Neither XXXX or Evergreen have written to me to explain anything. 

Assistance is appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and was shocked to find i had been the victim of identity theft. I do not recognize these accounts, names or addresses that have been added to my report please remove this from my credit report immediately it is hurting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

showing information on back ground that is a FTC violations
Product: Mortgage

We purchased a new home before the sale of our current home was final. The loan for the new home included PMI. Our former home has sold, we have paid off {$140000.00} of the {$180000.00} loan and want to cancel the PMI. The bank is telling me we have to pay a fee of {$120.00} to cancel this insurance. This was not disclosed to us at the time, even though the loan officer was aware that we would be paying off the majority of the loan within a few months. Since the bank required us to have this insurance, can they require and charge us a fee to cancel it even though we meet the guidelines required to cancel?
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021 XXXX XXXX XXXX put a derogatory account on my credit report for the amount of {$430.00} a DEBIT CARD that I owed money on which was NOT CREDIT RELATED and under the FDCPA that is not supposed to be on my credit report being that it is for a DEBIT CARD and nothing credit related I disputed the account and the credit bureau sent a response saying that the information was accurate which in fact it has nothing to do with credit and was a debit card. I have disputed this information several times and still got the same answer that the account was accurate nothing else stating how they did they investigation to know the account was accurate or even if it was CREDIT RELATED
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX I found accounts not belongs to me I have a big problem because the person open that accounts has all my information and open fraudulent accounts under my name this is a fraudulent accounts.
Product: Credit card

This is in continuation of the closed file that has not been addressed : AFFIDAVIT OF STATEMENT I am continuing to ask for the same information that I did not receive from the previous closed out reference account below : XXXX Print complaint Closed The company sent alleged payments XXXX XXXXI was out of the country. They have manipulated the payment history or practicing RICO violations. 

I asked the company to provide payments transactional report for all payments made from XXXX to XXXX based on the Anti-Money Laundering ( AML ) Law and eDiscovery Laws govern by Banking Institution. 

The company sent the Credit Card Agreement Pamphlet for STATEMENTS OF PAYMENTS FOR XXXX 

These payments were not made by XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A default judgment is appearing as a collection account on XXXX, TRANSUNION, AND XXXX.It is appearing as a collection perhaps to avoid properly categorizing the account as a public record due to AGREEMENTS BETWEEN CREDIT BUREAUS AND STATES ATTORNEYS GENERALS enacted within recent years.In addition, the date of first delinquency has been re-aged.THE DOFD coincides with the date of judgment entered ( ATTACHED COURT RECORD ) which would be impossible considering the nature of the debt, ie : back rent and holdover.The debt was many months prior to the stated DOFD.ALL THREE BUREAUS after numerous disputes permit a false re-aged date of first delinquency and permit a miscategorization of debt, and allow these inaccuracies to fly in the face of their ATTORNEYS GENERALS AGREEMENT, CREATING A LOOPHOLE FOR ACCURACY DEMANDED BY THE FCRA.THE DISPUTED ACCOUNT IS : XXXX, XXXX XXXX XXXX XXXXACCT NO.  XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Inquiry : XXXX has violated my rights Inquiry : XXXXXXXX XXXX has violated my rights Inquiry : XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX  Inquiry : XXXXXXXX XXXX XXXX  Inquiry : XXXX XXXX XXXX. 
Inquiry : XXXX XXXX XXXX XXXX : XXXX UCS 15 USC 1681 section 602A 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 an account without my written instructions.

15 USC 1681c ( a ) ( 5 ) section states : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items information, other than records of conviction of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in letters to the credit bureaus over the last 6 months with a police report attached and I have yet to have the items that were not mine removed from my credit. I have sent in proof of address ( My paycheck stubs ), and my license and social security card. I am at a loss at this point because someone stole my identity and I have yet to have the things removed. 

My letters were sent in on XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020. Among several other letters that were sent prior to these. 

I have not even received a response from the credit bureaus.
Product: Credit reporting or other personal consumer reports

I previously submitted documentation beginning of XX/XX/year> to Equifax asking them to remove the address XXXX XXXX XXXX XXXX Texas XXXX from my credit report because I do not/have not lived at that address. 
They corrected it with my correct address XXXX XXXX XXXX XXXX, Texas XXXX but it still has XXXX XXXX XXXX address listed as a previous address and I am not connected to that address. 
I am once again them to completely remove that address from my credit report.