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

It has come to my attention that the XXXX XXXX XXXX XXXX is hit and miss. XXXX says they have no XXXX XXXX on me at all. These credit bureaus are getting me denied credit basic on me receiving only {$5000.00} dollars a month income when my monthly income is over {$16000.00} XXXX a month. There claiming I'm under water by {$10000.00} dollars monthly, when I have never missed a payment. 

XXXX. XXXX - XXXX XXXX XXXX. Experian - XXXX XXXX. XXXX - XXXX Overall, I have NO LATE PAYMENTS, and they changed my correct income of {$17000.00} per month to {$5000.00} per month, why I have no idea. 

According to the CFPB false and misleading information sent out by the three major credit bureaus is against federal requirements and must be corrected immediately.

( 1006.18 ) False, deceptive, or misleading representations or means. 

Overall, my credit has been evaluated for over 50 years, it's impossible for me to have such low scores and NO SCOREs at all.
Product: Prepaid card

My payroll check was direct deposit to my rushcard and it 's not there talking about they doing a upgrade system I have bill that due and kids that I need to feed
Product: Checking or savings account

I received the TD Bank open an new accounts with promotions. 

The promotion card was showing : The criteria are as follows : A {$300.00} bonus is made available to eligible new personal checking Customers when opening a TD Beyond Checking account with cumulative direct deposit funds of {$2500.00} or more into the new account within 60 days of account opening. 

My account was opened on XX/XX/XXXX. I made direct deposit funds of {$2500.00} on XX/XX/XXXX. I was send a send a secure message on XX/XX/XXXX to check status. UntilXXXX I received a reply MSG I'm not qualify. 

The MSG is below : Please note that qualifying direct deposits are recurring electronic deposits of your paycheck, pension or government benefits ( such as Social Security ) from your Employer or the Government. Person-to-Person and bank transfers between your TD Bank accounts or accounts you have at other financial institutions or brokerages do not qualify. Payment received for goods sold do not qualify. 

Due to your opening deposits being transfers and not a deposit as mentioned above, this account does not qualify. 

But the promotion does not mention anything this above informations. 
This is promotions will misleading consumers.
Product: Credit reporting or other personal consumer reports

DELL Computers issued me a credit memo of {$99.00} for services they originally charged meme for in XX/XX/2023. The initial charge was placed on my DELL Credit Card which is managed by Comenity Capital Bank. Comenity Bank has been harassing me for over 4 months for payments. Also, Comenity Bank has been reporting derogatory credit information to the Credit Bureaus which has now cause my score to drop significantly whereas I can not get a loan. DELL Computers has sent the credit memo through their system 2 times to Comenity. The second time I had DELL Computers copy me on the credit memo. I called Comenity and gave them all of the information on the credit memo several times. I could Not get any Comenity Bank supervisors or managers in several departments to take action to resolve this matter. I disputed this matter with XXXX, but they said it was not their responsibility to validate data coming from the reporting Institutions they deal with. 
This leaves me no choice but to come to the CFPB for HELP and to seek legal action against Comenity Capital Bank. I need this matter resolved quickly for I can not move forward with my financial plans.
Product: Credit reporting, credit repair services, or other personal consumer reports

I call XXXX  credit reporting agency I was told if I didnt agree to promotion I wont be able to speak to anyone. They hung up the phone. They reporting wrong and out dated information.

I think its wrong to pay a credit repair agency when all the bureau needs to due is update the file.

COMENITY Bank is reporting two accounts on my XXXX  report. The first account is accurate shown as closed and paid in full I was never late with this account. The second account I have no knowledge of and keeps reporting late and adding fees and interest. I have asked COMENITY Bank to send me an itemized statement and any documentation to prove I own this account and they haven't. This is effecting my credit score by not getting resolved. Please remove this unknown open account with COMENITY Bank.
Product: Money transfer, virtual currency, or money service

i am writing to formally express my concerns regarding zelle handling of disputes particularly in light of recent CFPB lawsuit highlights significant issues with 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 cfbs 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.the lack of accountability and transparency is unacceptable and raise serious concerns about consumer safety.
Product: Checking or savings account

The only thing I want The chime bank investigation team to call the Dispute Resolution Department : ( XXXX ) I disputed to my chime bank from the merchant in XX/XX/XXXX. I also emailed Support Chime many of evidences include the letter from the dispute resolution department. The investigate team declined me three times and did not call Dispute Resolution Department to verified. 

On The month of XXXX, the merchant sent {$1300.00} to my wrong old card and it went directly to Dispute Resolution Department as charge back and they held my money and I have No idea where my money goes. 

I tried To call the Dispute Resolution Department but they stated that my chime bank need to contact me and refuse to speak with me about my fund. Im so upset and frustrated because I did What I could To get my fund back to my right card number. 

I NEED CHIME INVESTIGATION TO CALL Dispute Resolution Department : XXXX so I can Get my funds back to my account. 

Thank you
Product: Student loan

A new surprise fee of {$1.00} appeared in XXXX on XXXX of XXXX FFEL loans serviced by Nelnet. I have continued to make on-time payments during the pandemic, plus extra payments, as FFEL loans were not paused. 

The servicer suggested the fee may have to do with the original guarantor and/or auto-pay. Auto-pay is set up for the slight interest rate discount, as it should have been for the duration of the loans, but was not. 

There should be no disincentive to use auto-pay and continue the discount. Nor should such a surprise fee, alarm about it, and its removal slow the consolidation underway.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$5800.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX {$3800.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX {$2200.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$600.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX  - XX/XX/XXXX 15 U.S.C, 1681section 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 an 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. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

This number constant calls me several times a day and when I pick up there is never anyone on the line and it disconnects.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been paying for the Credit monitoring service with Equifax since XX/XX/2020, and I havent been able to update my report when Equifax. I called them they tell me to call them back because the system has to make the correction and update, but theres no correction it still doesnt work .There are accounts on XXXX and XXXX  that are not showing on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. SSN last XXXX XXXX. Originally, I have leased a XXXX XXXX XXXX for 36 months. After that I had a XXXX more months extension. All 42 payments were made on time. Now XXXX XXXX XXXX presents my already closed account in XXXX of XXXX, as a 48 Month XXXX and as delinquent. I have never signed for a 48 Month XXXX with XXXX XXXX XXXX, it's a lie. XXXX XXXX XXXX must present as proof a copy of the 48 Month XXXX, signed by me. Last year, Sat, XX/XX/XXXX, I became a victim of a scam at XXXX XXXX XXXX XXXX XXXX of XXXX XXXX, California. A service advisor lied to me about the repair job of an item that was still under the XXXX 's XXXX. I caught the guy and his mechanic misrepresenting the facts and trying to load me with a payment of $ XXXX dollars. After I caught the guys, they fixed the problem in an hour. I have both copies of the XXXX Invoices, showing the lie. After about a month I discovered that the car had some hidden damages, made by the mechanic : drilled holes in the tires, newly installed screw in a tire ; damages to the windshield blades. The car 's wheels and tires were covered with some kind of marks, like shapes of animals, animated characters from cartoons, like XXXX XXXX pants. I have pictures of the wheels and tires. The car was marked for further damages to be done and implemented by other mechanics in the future. I personally visited the XXXX XXXX XXXX on XX/XX/XXXX, and talked to the XXXX  XXXX, XXXX XXXX. He gave me his personal business card and asked to send him an e-mail with my investigation file. I have never heard back any responses from XXXX XXXX ever. Then I filed a criminal report with the XXXX XXXX Police Department and called XXXX XXXX XXXX and explained to them the situation. After a few days, XXXX XXXX XXXX Reported my already closed account as delinquent, and as the result my Credit Score went down almost XXXX points, from " good '' to " fair ''. The credit report doesn't even show my last payment on the 42 months lease, that I made on XX/XX/XXXX, that concluded my XXXX XXXX. The car, XXXX XXXX XXXX, is criminal evidence now, until the case is resolved. XXXX XXXX XXXX started a scare campaign against me, making calls to me, sending letters, reporting my closed account to all major Credit Bureaus as delinquent. Personnel of XXXX XXXX XXXX of XXXX XXXX, California is involved in regular illegal, criminal activities, damaging cars of customers. There is no other explanation to all the marks that my car was marked with. It's a systematic approach to the business and customers. Tires of a car with an intentionally damaged tire, like in my case, predrilled, can blow on a freeway, resulting in a fatal crash. This is scary! Employees of XXXX XXXX are involved in such criminal activities!!! Shame! Here is a factual reference : XXXX XXXX XXXX Criminal Investigation Filed XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX  Balance : {$1900.00} XXXX XXXX XXXX Balance : {$890.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX, XXXX and XXXX has violated my rights. 

15 U S C 1681 section 602A. 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 account without my written consent
Product: Debt collection

Dear CFPB, I am filing a formal complaint against the Army & Air Force Exchange Service and the U.S. Department of Treasury Bureau of Fiscal Service for violations of my consumer and due process rights in their attempt to collect an alleged debt. 
The notice I received on XXXX XX/XX/year>, failed to properly inform me of my right to request a hearing to dispute the debt, as required by 31 CFR 285.11. It also lacked sufficient information about how the debt was calculated and failed to clearly outline how the timeline for garnishment aligns with my rights to dispute.

Additionally, I never received a 1099-C ( Cancellation of Debt ) for this account, as required under IRS regulations , if the debt was canceled or forgiven. This raises concerns about the legality of the ongoing collection effort and whether federal reporting laws have been followed.
Product: Mortgage

I paid off my HELOC with Chase in XX/XX/XXXX. The day after payoff, I was charged {$350.00} in annual fees ( XXXX transactions : {$250.00} and {$100.00} ). A {$100.00} credit was applied XXXX days later. In XXXX, I was charged another " annual '' XXXX XXXX  {$50.00}. I logged into my account on Chase.com sometime after all this and complained via a message through the site/online banking. Chase 's response message was, " Regarding the annual fee, I see that you paid {$250.00} and {$100.00} on XX/XX/XXXX. The {$250.00} covers the annual fees for XXXX through XXXX at {$50.00} per year, and the {$50.00} additional fee covers your annual fee for XXXX. The {$100.00} overpayment was refunded to you in the form of a check... ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the company and they couldnt find any documentation of my hard inquiries and informed me to contact equifax
Product: Credit reporting or other personal consumer reports

I filed bankruptcy on XX/XX/XXXX and the bankruptcy was discharged on XX/XX/XXXX. In that bankruptcy This XXXX XXXX account XXXX was included in a judgment of discharge on XX/XX/XXXX. There are no monies owed under this account and shows as a charge off and closed until I submitted a dispute with all 3 credit bureaus. Now it appears on my credit as money owed which is invalid. No monies are owed. As of XX/XX/XXXX, I mistakenly signed an agreement stating repayment on a card that I was not aware at the time of signing that it was the same card that was part of a past bankruptcy filed and discharged. I did not do the proper investigation or research before signing the agreement. Additionally I didn't know that legally a company can attempt to collect money after a bankruptcy has been discharged which is the reason why I assumed this was a valid debt before doing a thorough investigation myself. Upon pulling my credit in XXXX, XXXX, I found that this account was discharge and appearing at a XXXX balance. My reasons for filing the dispute even though my credit showed no balance owed was because I was making monthly payments on a debt that was charged off and wanted to be relieved of that agreement. I asked XXXX XXXX XXXXXXXX XXXX XXXX to have the agreement I signed dissolved and void due to my investigation. I have since contacted both XXXX XXXX and XXXX XXXX XXXXXXXX XXXX Firm disputing this amount I'm being sued for. I have provided all documents to support my bankruptcy filing and advised that the contract to be terminated. I have not received any callbacks from either XXXX XXXX or XXXXXXXX XXXX XXXXXXXX regarding this dispute. I'm asking to have this amount removed from my Credit and show no balances owed as it did initially before submitting a dispute with all 3 credit bureaus without any notes to be added to the closed account and charged off. I'm also asking to have all agreements dissolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been writing all three credit bureaus and they have continued to ignore me. I wrote them on XX/XX/XXXX I wrote them again on XX/XX/XXXX and I still have not heard back from them as of today XX/XX/XXXX. This stuff on my credit report do not belong to me and I want it removed from my report. i am asking you to get these three companies to remove this stuff from my report. I never gave them permission to report these fraudulent accounts. For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days This is a Direct Violation of Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ) As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you on this matter, for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you will be liable for your willful non-compliance. Please Remove all Fraudulent accounts as i have no knowledge of these accounts due to the Equifax Data Breach/ Identity theft. All is being investigated by the FTC
Product: Student loan

I am currently under the REPAYE program and working towards PSLF while working at a qualified employer. when submitting my annual employment certification form which I have done many times in the past there was a discrepancy with the number of qualified payments between my subsidized loan and my un-subsidized loan by one payment. when I first called the discuss I spoke with someone at XXXX XXXX who did not understand the PSLF process and was told incorrect information about the amount that was needed to qualify for a payment. when I called again and found another representative I was told that in XX/XX/XXXX the payment, which i did not change and never do, was for XXXX XXXX  less than the amount that it should have been therefore disqualifying that payment towards one of my loans for PSLF. The XXXX was charged in the month of XXXX. I was told that there was nothing that can be done about this but I do not feel that a mistake from the platform used by PSLF should be my responsibility. the payment for REPAYE is set by the department of education and I do not change the amount ever and would never underpay a loan by XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

this company is not following the laws
Product: Checking or savings account

On XX/XX/XXXX in the earlier part of the day I went to the Bank of America on XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and I used the atm on the left and deposited {$200.00} in cash XXXX {$100.00} bills and I received an error on a receipt but I checked my account and the money was in there then I checked a few days later and the money and the transaction disappeared. The company after first call submitted an appeal the next time they claimed it was approved and the money would reach my account by XX/XX/XXXX at XXXXXXXX XXXX and it is now the XXXX of XXXX and the money is still not in my account I called today and the person I talked to had no idea what I was talking about and they claimed that no claim had been made.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall REMOVEany 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. 
XXXX XXXX Balance Owed : {$2000.00} XXXX XXXX Balance Owed : {$4100.00} XXXX XXXX Balance Owed : {$6000.00} XXXX XXXX Balance Owed : {$3100.00} XXXX XXXX Balance Owed : {$3600.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

I am in receipt of a collection notice from an entity identified only as " ERC '', claiming that I owe USD {$1200.00} to XXXX XXXX XXXX. The notice indicates that, if I return unspecified " equipment '' to XXXX, the return XXXX be used to calculate an unspecified amount of credit toward the debt owed. 

I have never in my adult life -- or even in childhood -- lived in any area served by XXXX XXXX XXXX. I have neither requested nor received any goods or services ( including unspecified " equipment '' ) from XXXX. I have never been nor applied to be a customer of XXXX and I have never used, received, owned, leased, or otherwise knowingly or unknowingly made use of any XXXX services ; including, but not limited to any form of television, Internet or voice service. 

The entity identified as " ERC '' most probably corresponds to this credit enquiry ( information provided by XXXX ) : ENHANCED RECOVERYXXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX On:XXXXThe notice has a return address of XXXX XXXX, XXXX, XXXX XXXX, but advises that written communication should be sent only to ERC, XXXX. XXXX XXXX, XXXX, XXXX XXXX. 

Being in receipt of my credit report, both XXXX and ERC are or should be fully aware that I have never lived in any area where I could have received any services that XXXX is commonly known to provide. 

I can only conclude that, barring gross negligence, XXXX and/or ERC are knowingly engaging in fraudulent debt collection practices. The notice also states that they may knowingly make false statements to national or other credit bureaus representing that I owe a debt to them ; presumably if I do not promptly pay ERC the sum claimed to be owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering items 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 items 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, GA XXXX XX/XX/2015 XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Product: Money transfer, virtual currency, or money service

XXXX/XXXX/XXXX  I made the deposit scammers gave me and bank cleared the deposit on XX/XX/22 so i made XXXX  payment on XX/XX/22 to the scammers.. bank returned deposit.. today XXXX I deposit 2nd check that scammers gave on XX/XX/22. Scammers asked me to buy {$2000.00} worth of XXXX gift card  and I did buy {$1000.00} XXXX gift card and gave them the gift card info. Then I felt something wasnt right and told them Im not comfortable giving another gift cards. So everything stopped. I immediately called Chase and told them it was scam and they said theres nothing they can help. Nothing they can help.