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

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Debt collection

I was checking my credit on XX/XX/XXXX, when I found out the company called Trident Asset management placed a collection on my credit which I dont owed, I immediately called them and request to verify the debt, they informed me they dont have any other documents to provide me and I have to pay the debt despite I explained them back in XXXX someone used my identification to committed fraud.. 

I really feel overwhelmed about this situation cause they refuse to remove it from my credit.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent cfpb lawsuit highlighting significant issues with the platform. Despite using zelle numerous times and reporting descrepancies my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these these transactions was infeasible the cfpbs findings indicate that Zelle has not only neglected to protect consumers but 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XX/XX/2020 {$2200.00} unknown charge on account Exeter finance llc
Product: Credit card

American Express repeatedly makes soft credit inquiries to my account using multiple addresses. They have been asked to stop because I have a lifetime opt-out in place on my credit report. They refuse to abide by Regulation and stop doing it. They have acknowledged in writing that 1. I have no account with American Express 2. That I have been on the opt-out list for years. 

American Express claims that they " can not stop '' because they are automatic inquiries. They need to find a way to stop. This is the most ridiculous answer that I have ever heard. I can not believe that is an acceptable reason to violate Federal Regulations.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I sent {$590.00} from my debit card to my debit card that deposit to my bank in Ohio because I was in Texas and due to COVID in Texas there is no walk in branches and there is no XXXX XXXX. I sent the money from me to me so that my bills can still come out my regular checking account. I called money gram and told them I am getting a error and usually it does not do that. The rep said he need additional information. He asked me several questions for which I am not going anything illegal and gave proof of my funds as to where it cAmd from. He said it would deposit in 24 hours. 24 hours past I call Money Gram back to be in hold again and on phone over 2 hours. The next rep transfer me 3 times and tell me about technical issues and they are working on it. Thats not my problem when I legally sent my money to my account and have bills to pay. Especially at a time like now. No resolution of a refund. Nothing but it will refund 24/48 hours. 48 hours later no refund back to my debit card call again a whole different excuse. I am not committing fraud. I sent a legal transfer with no transfer not a refund. So at this point I have sf t 2 emails to the help desk no response or resolution only a case number stating someone will be contacting you. Still no contact nothing other than I have my bills behind due to money gram. Attached is my sent transfer that Money gram failed to transfer. My emails. Plus my proof of funds where my money came from with my transaction history to transfer my money into my bank in Ohio. I have made it back home to Ohio and my money is still just sitting.
Product: Credit card or prepaid card

I called to dispute a charge and request replacement card back in XXXX. Citibank cancelled my acct without my permission. They then reopened it and stated they were sending new cards. i STILL HAVE NOT RECEIVED NEW CARDS FOR MYSELF OR AUTHOIRZED USERS. then today Citibank unlocked my card and indicated i located it when I do NOT have the card any longer, and i never logged on or called and advised anybody I found the card and refuse to offer or give me credit line increase
Product: Credit reporting or other personal consumer reports

XXXX XXXX, Last 4 of XXXX XXXX, DOB XX/XX/XXXX Contents of complaint, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 5 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 consist of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX, an account at XXXX XXXX XXXX opened on XX/XX/XXXX under account number XXXX, other accounts such as an account at XXXX XXXX opened on XX/XX/XXXX under account number XXXX. Collection accounts at XXXX XXXX XXXX opened on XX/XX/XXXX under account number XXXX, a collection at XXXX XXXX opened on XX/XX/XXXX under account number XXXX, a collection at XXXX XXXX  opened on XX/XX/XXXX under account number XXXX and XXXX hard inquiry with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
These accounts have resulted in several fraudulent collections and hard inquiries appearing on my FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer FICO credit report maintained by you were not opened, made or initiated by me. All of the aforementioned accounts, collections and hard inquires are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX, and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I placed an order with XXXX for {$120.00} and there was over {$90.00} of my entire order missing. I contacted XXXX and they refunded only {$47.00} of all of the missing merchandise. They told me to file a dispute with the bank. The bank I used was Cash App. 
They flat out denied the claim and now Im out another {$50.00} of items I paid for and nobody is willing to do anything about it. Cash App has done this with other disputes Ive had with them in the past and there is zero recourse that I have with them other than to just deal with it. Im tired of letting them get away with it. At this point I honestly want my entire order refunded as XXXX isnt taking responsibility for the full missing order. I only wanted back what was missing, but now I am having to take all these extra steps to try and get my money back. This was money I barely had to order food and goods. And its just gone because they take 5 mins to review the dispute.
Product: Debt collection

Jefferson Capital Systems LLC is trying to collect a debt that was originally owed to XXXX ( XXXX ). This account was settled with the original creditor, and is now reported as paid. Despite requesting documentation that I owe them this debt, Jefferson Capital LLC, can not or refuses to produce such documentation, and continues to illegally attempt to collect this debt via telephone calls, letters, and lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three credit bureaus have reported incorrectly that my car loan with XXXX XXXX was discharged through bankruptcy. I provided them proof from credit acceptance that the account was paid in full and they still determine that is a valid report. This has been going on for years and the credit bureaus blame XXXX XXXX and vice versa.
Product: Debt collection

This account is reporting on my credit score " fraudently '' and i have no knowledge of it. Also, information containing my name can not be sold to other creditors by law. I want this account " DELETED '' immediately or me and my attorney will take legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  is incorrectly reporting a 30 day past due on all of my credit reports for XX/XX/2016. After disputing the report with the credit bureaus it came back as " being verified '' by XXXX XXXX XXXX. My payments were due on the XXXX of each month. A payment was made on XX/XX/2016 which is 21 days past due not 30 days past due as being reported for XX/XX/2016. Also this account has been paid in full.
Product: Credit reporting or other personal consumer reports

DATA BREACH I notified Experian, XXXX, and XXXX via telephone. There was no answer, just automated customer service that would not connect me to a representative. I attempted to file a dispute but could not because appropriate information about data breaches was not available. I needed them to fix my WHOLE CREDIT because my information was exposed in a Data Breach. 

According to 15 USC 1681, regarding the right to privacy and FCRA 605B, if there is a data breach involving possible identity theft, they must correct all information on my credit report within four ( 4 ) days.
Product: Student loan

This is my second complaint against my loan service, being made one week after I filed the last. 

I have been harassed with phone calls for over a month, being prompted with inaccurate billing information. Today, the representative who contacted me uncovered even more issues with how this has been handled. 

On XX/XX/XXXX I made what I believe was my final payment, only to be later called asking for {$110.00} dollars, and upon investigation the account shows only a {$4.00} balance. However that is from a late fee processed before requesting a final payoff amount. Every call since has requested the {$110.00} still despite being inaccurate. 

Today the service representative shocked by my situation, found that the late fee they have stated I owe was itself improperly processed and in fact I have overpaid my account and should have been issued a refund of {$0.00}. 

So I have received many calls, prompting me to pay {$110.00} when my balance was only {$4.00}, which I was told would be addressed. Only to find out from the 13th person I have spoken to about this, that not only was the {$4.00} mistaken, that it was improperly processed on my account and that I have in fact overpaid. Worst of all, none of the other reviews I have requested where ever actually targeted towards disputing that fee. 

This has been grossly mishandled, to the point that the rep I spoke with today agreed this all has been " highly inappropriate '', and has only now after a dozen calls actually assisted me in filing to have it properly disputed. Apparently every other representatives assuring remarks ( save for one supervisors condescension ) have been hollow as none of them actually investigated my account to uncover the extent that it was mismanaged.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$830.00} Charge-OFF : XXXX XXXX XXXX Balance : {$250.00} XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX CAXXXXXXXX  XXXX XXXX XXXX XXXX XXXX, CAXXXX XXXX XXXX XXXX XXXX XXXX XXXX CAXXXX  XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAXXXX  XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card

In XX/XX/XXXX, I joined a fraudulent XXXX XXXX XXXX XXXXXXXX that I quickly noticed was defunct. I contacted them, stopped payment and told them to remove all information about me from their system. ( email attached showing they " expunged my financial information '' ) Bank of America was very helpful. 

XXXX years later, in XX/XX/XXXX, they started charging my card again. BOA was again very helpful but every time there was fraud, I had to change out my credit card number. The first charge was XX/XX/XXXX - charge declined - NEW CARD ISSUED *put stop payment on " XXXX XXXX XXXX XXXX * XX/XX/XXXX - merchant uses new name - charge declined XX/XX/XXXX - merchant uses same name - charge declined - NEW CARD ISSUED XX/XX/XXXX - merchant uses same name - charge declined XX/XX/XXXX - merchant uses same name - charge declined XX/XX/XXXX - merchant uses different name and amount - charge declined At this point, my husband contacted BOA because we want to know how these people keep getting our new card information. With their customer service, we realize that BOA requires us to opt in to the XXXX account updater. Apparently, other credit unions etc... allow you to opt out. BOA says it's XXXX 's fault - VISA says it's BOA fault. No one will help us and now we have to close our XXXX XXXX XXXX credit account while we are in the process of trying to buy a house. 

On XX/XX/XXXX, another payment went through to XXXX XXXX XXXX XXXX based out of NY XXXX in the amount of {$190.00}. NEW CARD ISSUED I have stopped payment and they have issued me a new card but will not do anything to protect my new card information from being shared. The customer service guy said something about a digital wallet ( which I don't have ) and seemed to know nothing about this XXXX account updater agreement. The next actionable item is to close my account. Any help is much appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : Untitled Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Product: Credit reporting

Transunion XXXX ; Account Number ( XXXX ), Name ( XXXX Hospital ), Amount ( {$340.00} ) -- -- This account is not a legit report. I never recieved a bill from XXXX Hospital. I called and verified that they had the incorrect address. As soon as I found out this account was reported on my credit as a collections I contacted them and paid ASAP. They stated that they apologize but there 's nothing they can do to remove it. If I had received a bill I would 've paid it then. Please remove this from my account as it was not my fault that I did not receive a bill but it is paid and should n't have been in collections to begin with.
Product: Mortgage

This complaint is in regardto XXXX XXXXXXXX XXXX Loancare XXXX XXXXXXXX 's handling of my escrowaccount. On XX/XX/XXXX my wife and I contacted Loancare to advise them that we'd alreadypaid our taxes individually because Loancare had not corrected the escrow payment amounts and they also had incorrect account numbers. We requested an escrow analysis whichwould 100 % determine that a large refund is due to me. Loancare advised me that XXXX XXXX and the employees who conducted my closing are the ones responsible for providing the incorrecttax amounts and account information and that they, XXXX XXXX are responsible for providing the incorrect information. Now at this point as I review my account I can see that an escrow analysis was not completed as requested back on XX/XX/XXXX. Instead Loancare recently sent an escrow payment to the school taxing authority whichhas now resulted in my annual school tax being paid twice. First on XX/XX/XXXX by me and again on XX/XX/XXXX by Loancare. I now have to contact the tax collector to get my money back fromthe overpayment. A proper escrow analysis would have revealed that as my wife and I had advised all taxes were paid on XX/XX/XXXX. Loancare owes me a major refund because my XXXXXXXX XXXX and county taxes have already been paid AND there is also an excess in the escrow balance. I am requesting my escrow balance refund from Loancare to be processed at the end of XXXX after I have made my XXXX mortgagepayment. I am also requesting a true escrow analysis to be conducted.
Product: Debt collection

I am formally submitting a dispute regarding the unauthorized and inaccurate information currently on my credit report. Upon a thorough review, I have identified multiple significant discrepancies that do not accurately reflect my financial history or actions. These inaccuracies include accounts that I did not open, incorrect personal information, and inquiries conducted without my consent. I request that you investigate and remove the following items : Personal Information : Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Also Known As : XXXX, XXXX, XXXX XXXX Off : XXXX XXXX XX/XX/year> {$8300.00} XXXX XXXX XX/XX/year> {$7300.00}
Product: Debt collection

National recoveries XXXX started having my wages garnished without ever contacting me first. They had an old address that they were sending my mail to and I never seen it coming. It put me in an extreme hardship. So my ex girlfriend who happened to work for a collection agency called them without my consent, stated we were married when asked, which is not true, and got all the details about my debt. They even allowed her to stop automatic payments I had set up on a credit card of mine and allowed her to use a different credit card, which I am not associated with. This caused a lot of problems between us and is why we are no longer together. I do n't see how they can just give my info out to a person without any verification and Stop an automatic payment on a credit card which I gave them. I feel unsafe with the way they handled this situation. I do n't know how they can make this right because now I am no longer with my girlfriend who is also the mother of our XXXX year old daughter, who is also the woman I am purchasing a house and a car with. They ca n't fix their mistake of violating my rights and all the turmoil that I have endured because of their carelessness.
Product: Credit card or prepaid card

On XX/XX/XXXX ( Saturday ) I deposited {$500.00} ( all XXXX ) into a Bank of America ATM XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX United States ) at XXXX and the atm claimed it could not process my transaction or refund me my money. 

I filed a claim in that moment ( claim # XXXX XXXX, since processing the claim I have not received any Messages or updates on the claim. When I call about the claim I do not receive accurate or helpful information about the status of the claim. I have received multiple dates from The customer service informing that I would receive the money on a date that has passed, and still have not received my money. 
I strongly believe that Bank of America is providing me inaccurate information, they still show that I have a standing balance and refuse to give me any temporary or provisional credit in the mean time, due to the ATM malfunction on their end. 
This has been theft by Bank of America and still have not accurately fixed the situation. 

They told me 7 to 10 business days. When this time frame passed they now are saying 90 days. This cash was deposited into the ATM and should have been solved already.