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

XXXX and several collection agencies continue to place this outdated paid by settlement colelction account on my credit reports. This debt should not be allowed to be purchased by collections agencies because it was paid in settlement and the date of first delinquency is too old to be reported to my credit report. The collections agencies keep changing the dates allowing the credit bureaus to keep it on my credit for longer than the allowed number of years. I have disputed this debt to all credit bureaus but they continue to say they investigate but the dates are correct but they are noted. You can tell by viewing very old credit reports that show these same depts under different collections agencies in prior years. The date to be removed date continues to change. This debt was paid in full by settlement and the date of the first delinquent is incorrect on my credit report. This account should be removed from my credit report first because the XXXX is older than 7 years and because this account was paid by the settlement to the collection agency. This Item was placed for collection in XX/XX/2004 and has remained on my credit since that time.
Product: Credit card or prepaid card

Im sick of Goldman Sachs bank USA denial of credit, I believe they are discriminating against me due to low scores, this needs to stop, it seems like only special people get credit, I want to file a complaint against them, I have been turned down three times they are wrong, they only approve special people,
Product: Credit reporting

I disputed a dismissed Chapter XXXX Bankruptcy ref # XXXX with Transunion and XXXX credit reporting and they say they have verified and it remains on my credit report and I know they have not verified the dismissed bankruptcy nor will they provided me with the verification of where and how the information was verified and I would like for it to be removed off my credit reports. According to the the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief '' .Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, they have no right to maintain information which the government has deemed nonexistent. In Section 1681 ( a ) ( 5 ) of the FCRA, they must delete this information from my credit report
Product: Checking or savings account

I recent sold my home and deposited my proceeds into a CD and high yield savings account. I was blocked out of my account days ago and when calling to verify my information to unlock my account. They told me my accounts were closed and did not provide a reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the account XXXX ( XXXX  XXXX XXXX ) {$1000.00} with XXXX, Experian and XXXX  and the incorrect information is still there. I do not know who XXXX ( XXXX XXXX XXXX ) {$1000.00} is. I have never signed an agreement with XXXX ( XXXX XXXX XXXX ) {$1000.00}. They should NOT be on my credit profile. 

I disputed the account XXXX ( XXXX XXXX ) ( {$140.00} ) with XXXX, Experian and XXXX  and the incorrect information is still there. I do not know who XXXX ( XXXX XXXX ) ( {$140.00} ) is. I have never signed an agreement with XXXX ( XXXX XXXX ) ( {$140.00} ). They should NOT be on my credit profile. 

I disputed the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3500.00} ) with XXXX, Experian and XXXX  and the incorrect information is still there. I do not know what this XXXX XXXX XXXX XXXX XXXX XXXX ( {$3500.00} ) account is. I have never signed an agreement with XXXX XXXX XXXX XXXX XXXX XXXX ( {$3500.00} ). They should NOT be on my credit profile. 

I disputed the account XXXX XXXX XXXX XXXX ( {$180.00} ) with XXXX, Experian and XXXX and the incorrect information is still there. I do not know what this XXXX XXXX XXXX XXXX ( {$180.00} ) account is. I have never signed an agreement with XXXX XXXX XXXX XXXX ( {$180.00} ). They should NOT be on my credit profile. 

I disputed the account XXXX XXXX  XXXX XXXX XXXX ( {$3100.00} ) with XXXX, Experian and XXXX  and the incorrect information is still there. I do not know what this XXXX XXXX  XXXX XXXX XXXX ( {$3100.00} ) account is. I have never signed an agreement with XXXX XXXX XXXX XXXX XXXX ( {$3100.00} ). They should NOT be on my credit profile. 

I disputed the account XXXX XXXX  XXXX XXXX ( {$1000.00} ) with XXXX, Experian and XXXX  and the incorrect information is still there. I do not know what this XXXX XXXX  XXXX XXXX ( {$1000.00} ) account is. I have never signed an agreement with XXXX XXXX XXXX XXXX XXXX {$1000.00} ). They should NOT be on my credit profile. 

I sent disputes about the above accounts on the following dates : XX/XX/2020 XX/XX/2020 XX/XX/2020 The errors still exist
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 

XXXX XXXX Balance Owed : {$15.00} XXXX  XXXX XXXX Balance Owed : {$210.00}
Product: Debt collection

{$340.00}, XX/XX/2018. I reached out to the them. This debt is on my credit report and is preventing me from getting a mortgage
Product: Debt collection

A fraudulent company who charged my wife and I on an account that had been closed for 2 years. Instead of correcting the issue we got the run around and are now unable to move in to our apartment in a new state. The staff is completely incompetent, and extremely unhelpful. It took them XXXX days to figure out that they had committed a fraudulent charge. We are now living out of a hotel which is costing us hundreds of dollars a day for charges we never owed, since Hunter Warfield marked my credit report. I am unable to move into my apartment I was promised XXXX hour resolution and a letter stating that we owed nothing and that the charges were fraudulent. We have not received anything.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety. My information was shared and Im not aware how. This is unprofessional and does not hold the values of the company. I emailed support about my information being shared.
Product: Credit reporting, credit repair services, or other personal consumer reports

An accordance with the Fair Credit Reporting act XXXX Account # 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

Chase is not allowing me to access the balance of {$1500.00}. They claim they tried to release the funds. They claim the system is not letting them release them. They are holding the balance despite multiple LONG calls and promising to release it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I declare under penalty of perjury ( under the laws of the United States, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All are being investigated by the FTC XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account XXXX : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXXD Account Number : XXXX
Product: Bank account or service

This is my fourth complaint about overdraft fees on my account. I am attaching documentation to show that Key Bank changes the order of credits and debits to accounts. I would appreciate someone from the Consumer Financial Protection Bureau to closely look at my documentation this time as I have copied my account over the last two days to show the discrepancies in accounting. This last overdraft I received because I moved XXXX $ from my standard checking to my son 's Hassle Free account. The reason my account over drew in the first place two days ago was because of the fees debited by Key Bank. On the ledger there is no sign of overdraft before the fees were debited. In response to the overdraft complaint yesterday, Key Bank sent a tutorial with a fictitious person named XXXX who is XXXX XXXX and very young. The tutorial says that she over drew her account buying coffee and donuts. Besides the very problematic racialization of XXXX, Key Bank blames the customer when actually what is happening is that Key Bank alters the timing of debits and credits in ways that incur overdrafts. My ledger shows several deposits in the last few days yet they mysteriously move around in the ledger as do debits. Once an overdraft is debited in accounts that are fragile ( meaning no overdraft protection attached and low balances ) these fees throw the account into disarray resulting in yet more overdraft fees. Please CFP look carefully at my account. I am not some crazy person continuing to complain. I am an educated woman who follows her account diligently and I am going to continue to complain because I know if this is happening to me, it 's happening to others who perhaps do not have the money to pay the fees. I have attached a short analysis in a document. It 's short becasue i really do not have time to do this every day. I want these fees to stop. I am probably going to receive yet another overdraft fee because my account was overdrawn this morning. The only reason my account is overdrawn is that Key Bank has debited excessive overdraft fees from my checking account..
Product: Debt collection

Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to make the following charges OF {$30.00} I have enclosed proof of my identity and a copy of my FTC Identity Theft Report. 
In accordance with the Fair Debt Collection Practices Act, I am asking you to immediately stop all collection activities about this debt, including reports to credit reporting agencies. I also ask that you tell the business where the account was opened that this debt is the result of identity theft. 

I have enclosed a copy of the Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. 
Please send me copies of all records relating to the account, including : -Account applications made on paper, online, or by telephone -Account statements or invoices -Records of payment or charge slips -Delivery addresses associated with the account -Records of phone numbers used to activate or access the account -Signatures on applications and accounts -Investigators report -Inform the business where the account was opened that the debt is the result of identity theft -Stop collection activities against me -Stop reporting information about the debt to credit reporting agencies -If you've already reported the debt to credit reporting agencies, notify them that the debt is the result of identity theft -Provide me with the records I request -If you've already reported the debt to credit reporting agencies, notify them that the debt is the result of identity theft Thank you for your cooperation. 
Sincerely, XXXX Enclosures : -FTCIdentity Theft Report -Proof of identity -Notice to Furnishers of Information Please provide me with the records I request
Product: Credit reporting, credit repair services, or other personal consumer reports

" " '' I have disputed this Charge off on this XXXX XXXX XXXX  for months.XXXX  and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Product: Money transfer, virtual currency, or money service

I wire transferred {$9700.00} in us funds to XXXX XXXX. Through my regular bank. funds were promised on XX/XX/2019 it is now XX/XX/2019 and my bank can not tell me where the funds are and the receiver has not seen the funds in their account.
Product: Student loan

Navient is the loan provider. They call me at least 7 to 20 times a day. Even if I answer. I tell them I can't do anything right now till I get a job again. They will call 10 minutes later and again and again and again in same day. Even if I make a small payment they will call me t day and all over again. They call every phone in my name, leave messages with them even though it's not me and call them several times a day too.
Product: Debt collection

While checking my credit history/score online this evening, I discovered that L J Ross Associates , Inc is seeking to collect {$220.00} due to XXXX XXXX . I owe no such amount, and I have never heard of L J Ross Associates , Inc . I have not received any correspondence from them, I have not had any attempt by XXXX XXXXXXXX to collect a debt. Their debt collection on file is hurting my credit history, and is absolutely false. I owe {$0.00} to XXXX  XXXX. I confirmed this by logging into my account and checking... I have a {$0.00} balance due. They are my current utility provider. I owe {$0.00}! I want this debt collection immediately closed.
Product: Mortgage

We refinanced our condo in XX/XX/XXXX for {$50000.00} using ocwen loan servicing. In XX/XX/XXXX due to an income reduction we fell behind approxiamately XXXX or XXXX months. Using the HAMP program we were given a proposal for a loan modification. When I inquired from an abroad ( not in usa ) phone agent about principal reduction or fees waiver I was told that if we wanted either we would have to start the process over again. Feeling pressured that if we did n't accept we would be viewed negatively as not accepting the HAMP program. So we accepted the modification & the interest rate went from XXXX % to XXXX % & the monthly payment went down at most XXXX XXXX As a result after XXXX years of payments the principal is approximately XXXX $ with a ballon due in XXXX of approximately XXXX XXXX So after XXXX years of payments we have reduced the XXXX $ refinance by less than XXXX $ and still owe over XXXX XXXX This may be legal but it does n't seem moral or ethical for a XXXX dollar organization to take advantage of a seniors couple in financial straits.
Product: Credit reporting or other personal consumer reports

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Email : XXXX Phone : XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern : I am writing to formally dispute a charge-off that appears on my credit report. This entry is inaccurate and violates multiple provisions of the Fair Credit Reporting Act ( FCRA ) and other federal regulations.

According to 15 U.S.C. 1681i, credit reporting agencies are required to conduct a reasonable investigation when a consumer disputes the accuracy of information on their credit report. The charge-off listed in my report is incorrect and should be removed. 

Additionally, I believe the following laws have been violated : 15 U.S. Code 6802 Obligations regarding the disclosure of personal information.

U.S. Code 6803 Disclosure of privacy policies to protect consumers.

15 U.S. Code 1681e ( b ) Requirement for credit reporting agencies to ensure maximum possible accuracy of the information reported.

15 U.S. Code 1681a ( d ) ( 2 ) Exclusion of certain transactions from credit reports.

18 U.S. Code 1028A Aggravated identity theft. 
These violations have caused harm and inaccuracies in my credit report, affecting my creditworthiness and legal process. I kindly request that Experian perform a comprehensive investigation, verify the accuracy of the charge-off with the original creditor, and remove it if it can not be verified or is proven to be inaccurate. 

Please send me an updated copy of my credit report once the investigation is complete. 

Thank you for your immediate attention to this matter. I look forward to your response and resolution. 

Sincerely, XXXX XXXX XXXX
Product: Credit card

I charged a flight for XXXX XXXX on XX/XX/year> for the amount of {$150.00}. My flight was cancelled. I asked for a refund at the airport. I was told to call in. I called repeatedly through XXXX. They do not have live agents. I used the link I was sent by the airline. The link didnt work. I disputed the charge XX/XX/year>. Citi denied the dispute citing a credit received from the airline. Under DOT flight refund policy, I am entitled to a refund and do not have to accept the flight credit. I did not accept the flight credit and want my money back as guaranteed under federal law.
Product: Checking or savings account

XX/XX/26 I received emails and calls from someone stating they were the fraud and security agent from my bank. They stated my bank and connected accounts had been compromised and I had until XXXXXXXX XXXX that evening to act before my other accounts were also compromised. 

They called from the same phone number as my bank. They also sent calls and texts to " verify '' their legitimate associations with my bank. They then sent text/links to both ask for access and coerce me to initiate transfers, so that a transaction ID could be generated. They stated that these transactions would be used by the bank to then reverse and cancel lost funds. They promoted me to move funds via XXXX XXXX, XXXX and XXXX. In total, these transactions were {$4800.00}. 

I called Wells Fargo and initiated a stop for these transactions and requested a claim be filed for these funds being lost to coercion. I opened a claim, at Wells Fargo direction, XXXX for XXXX and the other charges separately. I filed similar disputes with XXXX XXXX and XXXX. 

XXXX XXXX, only engaged with me with text on the app and refused to reconsider or receive my supporting documents or police reports filed. Stating only that they do not reimburse funds. They directed me to request a refund from the recipient as a way to correct. They didn't. 

I have persued taking to Wells Fargo, and they too stated reimbursement was not a possibility. They stated they requested the funds be returned from the receiving bank, but I have not heard neck about this. They sent me an email stating the claim was denied and closed. 

XXXX, did engage with me, received my supporting documents, and did reverse their decision, and will return the funds. 

Earlier last year, I had a XXXX breach and opened the claim process with Wells Fargo and they also denied and closed claim, taking no responsibility of my funds oversight as my banking institution.
Product: Payday loan

On XX/XX/2015 I was having some financial difficulties and applied for {$600.00} from Castlepayday that would be deposited to my account on the same day. When talking to the representative, who was extremely hard to understand, I was not made aware of the extreme interest rate that I would be charged. I was not able to view the Truth in Lending disclosure until my application was " approved '' and funds were deposited into my account. At this time I was astonished to see that the finance charges were {$3600.00} @ an APR of 867.4001 %. I then tried to contact and cancel before the " 2 day '' cancellation period but was unable to reach anyone. I was then told once finally reaching them after the third day that I could not cancel because the money was already deposited into my account and I would have to make the payments as scheduled. I not only would like to have this matter closed with no further money being " ripped off '' from me, but also to assure no other unassuming and innocent consumers be taken advantage of like myself. To date I have already paid these crooks {$2300.00} for {$600.00} a difference of {$1700.00}!!! I was told I would have to pay only {$480.00} in finance charges which obviously IS NOT the case.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Representative, I joined Experian to monitor my cred it scores. But it seems they only want to keep billing me more : first {$1.00} free trail then {$4.00} to see more info. then they wished to bill me {$29.00}. I need for them to cancel my subscription immediately! Please credit my credit card for these charges. I was led to think {$1.00} was good for 30 days.

This seems to be some kind of misinformation concerning the free trial to monitor you three scores for all three credit bureaus. Not honest.
Product: Credit reporting or other personal consumer reports

Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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 credit card accounts open between the years of XXXX THROUGH XXXX including collection accounts XXXX XXXX XXXX XX/XX/XXXX for XXXX accounts, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.