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

My fico has just dropped XXXX points over night without explanation. I have watched it daily and if it varies by a couple of points down, I will try and fix it to where it doesn't plummet more. It was in the 630s then up to XXXX then back down to XXXX really without explanation. Bc I have improved with what is on credit report. Disputed things that they flat out ignore. According to FCRA they have 30 days to investigate..max 45 days.. and I have been blown off. No paperwork or anything proving that the alleged accounts are actually mine.. They want you to keep buying products sold on XXXX or or Equifax.. and I don't then my credit score drops XXXX points drastically. They add a new debt buyer and a collection account that is not mine. I have asked them to verify debit to send proof of account to me. And I just get " Verification to FCRA standards '' I need more than their word '' I was part of the Big class action lawsuit with one of them and received a check for breach of data and sold my Info.. I can't remember if was all 3 or just one..I am desperately trying to fix my credit and be a responsible consumer. And when I don't have a narcissistic ex or man to use these accounts and then pin them on me..I am actually very responsible. The dates on these accounts that are in collections and late.. and sold.. payments were made after I left ex and was lied to.. and he tricked me about not filing for divorce for at least a year due to my health. And when I was away..he filed for public notice. He recommended assets and I got these debts I knew nothing about. I know I should have known but most of this XXXX I didn't know that debts existed inmy name. And I never thought he would divorce me n 90 days via public notice. Stating I disappeared. I had no clue that public notice divorce was even legal. It's been very difficult getting my life back on track and trust me I would love to have taken his to court.. I had no money after all this to retain a lawyer to fight for my rights... It is still never ending. Dealing with this XXXX on credit report. Just so I hopefully can rebuild my credit to get housing and a car .... When I have gotten it up to XXXX.I 'm feeling better then it keeps dropping and today XXXX points without explanation.. I'm not dealing with this.. I've had enough.. please please help me XXXX
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX XXXX specifically debt bondage. As a result of this XXXX, my personal information was used without my consent to open accounts and incur debts. These accounts do not belong to me and are negatively impacting my credit report.
Product: Credit reporting

Experian is not responding to my requests to investigate, verify and remove accounts from my credit report that do not belong to me.
Product: Consumer Loan

I financed a car for over XXXX dollars, I became XXXX when I only owed {$2400.00}. Car appectance now company XXXX CNAC XXXX informed me after they reposed the car, they then sold the car and I now owed the balance after the sale. Which at that time was stated {$1800.00} some odd dollars. They in turned reported to all three credit bureaus an incorrect amount due balance is still {$2400.00}.
Product: Checking or savings account

I was charged by {$90.00} in Transaction Limit Fees on my account ending in -XXXX. There was {$75.00} charged on XX/XX/XXXX and {$15.00} more charged on XX/XX/2019. BMO Harris Bank claims that these fees were charged as per federal Schedule D regulations, due to making more than 6 transactions in a statement cycle. However, I was under the impression that the account ending in -XXXX is a checking account, and the Schedule D regulation only applies to savings accounts. 

The fact that this account is a checking account was confirmed when speaking with a representative when I opened my account, and to this date, the account still shows as a checking account in BMO Harris online banking. The bank 's fee schedule does show this fee for savings accounts, but not for checking accounts. 

I reached out to BMO Harris Bank customer service on XX/XX/2019 to discuss the fees and the representatives insisted that they could only offer me a refund for half of the fees but not for all of them. It is completely ridiculous since most of the transfers were less than {$1.00} test transfers and yet I was ultimately charged by {$45.00} in fees. 

I would kindly like to request that the remaining fees be reversed since this is a deceitful practice and the fees should not have been charged to begin with.
Product: Credit reporting, credit repair services, or other personal consumer reports

We leased a car from XXXX in XX/XX/XXXX and had it financed through XXXX XXXX. Six months into the lease we paided out the lease. After paying the lease out we still received calls saying that we are behind in our lease payments. We would resolve the problem monthly. XX/XX/XXXX we called the dealership and let them know we wanted to lease another  car despite the previous problems we had with XXXX. They explained that they were not doing any new leases in Ohio, but there were select number of people that could do another lease term with the car they were already leasing. We said OK, what do we need to do. XXXX at XXXX told me that they had not worked out the details with XXXX yet and to wait until our lease term was up. We waited called daily to find out if they had worked out anything yet. I asked XXXX what we should pay he said just How can debt be veirfied if each credit bureau have conflicting informations XXXX Late 120 EXPERIAN CHARGE OFF XXXX Charge off Date of last payment are incorrect a Accross 3 credit bureaus They are reporting inaccurate info to the 3 credit bureaus. 
Account Type : Installment Installment Installment Account Type - Detail : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Joint Joint Joint Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$490.00} {$0.00} {$490.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$620.00} {$620.00} {$620.00} No. of Months ( terms ) : 12 12 0 High Credit : {$17000.00} {$17000.00} {$17000.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$620.00} {$620.00} {$620.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Late 120 Days Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Collection Account Full termination ; balance owing Unpaid balance reported as a loss by credit grantor. 
Account seriously past due/account assigned to attorney, collection agency, or credit grantor 's internal collection department. 
Consumer disputes - reinvestigation in progress Collection account Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Year 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 Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Three Credit Bureaus are involation for not doing a thorough investigation into the matter and allowing said name customer to report fraudulent and unauthorized charges
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX  XXXX, MD XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX MD XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PR XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX  XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Balance : {$0.00}XXXX XXXX XXXX XXXX Balance : {$3400.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$27.00}, XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit card

Obtained American Express Personal Platinum card, which advertises among other benefits, a {$20.00} a month XXXX XXXX credit on your account for specific charges and a twice yearly {$50.00} credit for charges at XXXX XXXX XXXX. I made a XXXX eligible charge for XXXX service for the digital credit and a {$60.00} charge at XXXX XXXX both in mid XX/XX/XXXX, which should have yielded a total of {$70.00} in credits. After not receiving them on my account, I chatted with Amex today ( XX/XX/XXXX ) and was informed that I had to have " activated '' the benefit of both of those things in order to receive them. I was told the terms state that you have to " enroll '' to get the credits, despite them being advertised as part of the card. The terms state " Enrollment through American Express is required to receive the benefit '' which I interpreted to mean applying for, receiving and activating your card with Amex, not as some arcane and unnecessary extra one time search of the Amex account page, and a random extra 1 click on specific benefits to " enroll. '' It is an unreasonable expectation or interpretation to believe that a consumer would know or even expect to have to " enroll '' in a benefit that is advertised as part of a card as a perk, especially when the card comes with XXXX other stated advertised benefits that are advertised along side the benefits here at issue, and those do NOT require any form of " enrollment '' beyond the expected receipt, confirmation and activation of the card. For example, the {$200.00} a year hotel credit, the XXXX monthly XXXX credit and other things do NOT require a random extra click to " enroll '' on a somewhat hidden page on the Amex account site, yet these two credits have a random and unexpected requirement to literally click " enroll '' after logging in and searching the " benefit dashboard '' and any charges made prior to that action are deemed ineligible, despite being otherwise qualified, as in my case.

I would point out that the Amex company representative on the chat even attempted to manually provide me a {$70.00} credit to make good on the benefits, but was rejected by her computer system according to her. She ( XXXX ) stated the system declined to allow her to issue me the credit that clearly even she thought was correctly owed to me.
Product: Debt collection

Hello, We have been contacted multiple times by XXXX XXXX XXXX about a debt owed on a XXXX XXXX XXXX XXXX with a VIN of XXXX Their info is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX The problem is that we've

never owned this car. We've never seen this car. And they told us the last 4 of the Social Security Number of the loan and it is not mine or my wife 's. We told them this and they still continue to harass us. They have come our house to leave notices, emailed my wife, sent multiple letters, and threatened us over the phone with legal action. I sent them a letter asking for proof that I took out the loan ( of which there is none ), or to leave us alone. They replied demanding money for a loan we never took out. They claim {$11000.00} is owed ... not sure who owes it, but it's not us.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report, and I noticed I had a fraudulent account on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.
Product: Debt collection

Sequium Asset Solutions sent me a completely fraudulent collections bill for {$300.00}, ostensibly from XXXX XXXX XXXX. I paid the bill immediately thinking I had forgotten to update a new ATM card with XXXX XXXX XXXX. Sequium even contacted all three credit agencies to report the alleged default. 

I contacted XXXX XXXX XXXX the next day and XXXX XXXX XXXX said I owed them nothing and was not late on any payments. I called Sequium and they insisted the collections was legit. 

I contacted XXXX and they initiated a case with Sequium. Sequium was unable to provide any kind of proof and the alleged strike on my credit report was removed by all three agencies. I have contacted the District Attorney of XXXX XXXX, GA to inform them of this criminal activity by Sequium also.
Product: Checking or savings account

On XX/XX/XXXX I made a check deposit of XXXX at the Bank of America ATM machine. This is something I have done for many years. After making the deposit I received access of only {$300.00} which as expected. After sending out several bills knowing my payroll would also hit my account on XX/XX/XXXX and expecting several automatic payments to go through I proceeded to spend my money on items needed in preparation for my son wedding. I believe on XX/XX/XXXX I was looking at my email and found a email from Bank of America that my account was -XXXX. I called customer service and was told the deposit I made on the XX/XX/XXXX was placed on a hold because of something that was written on the check, indicating the check could be insufficient. I asked the lady how was I supposed to know that this would happen, she stated you would not have known. and why did I have to find it in my email. When I asked if I could come get the check and go cash it at the bank it was written on she told me there was no way they could do this. I explained to her that I needed this money and there was several transactions coming in and all the BOA was doing was holding my check and charging me for {$35.00} for everything that comes in knowing they have a check with sufficient funds. The check was printed by Texas Comptroller of Public Accounts. The warrant number:XXXX, which guarantee the funds and I was informed by the Texas Comptroller these funds are guaranteed. This has cause much anguish, and has basically been a nightmare for me. I have no money, I cant use any of my credit cards because they have declined all payments, and I just do n't know what to do. This is wrong, I have had this account with BOA for over 17 years and have never received such a disservice. I am no longer to move forward with my sons wedding because this has caused a 7 day delay, and I 'm just numb. I need someone to help this wrong be a right. I just cry everyday because the whole reason of me to get these extra funds was to get all of my bills paid and get ready for this which should have been a happy occasion. 

After speaking to the lady with BOA she said I 'm going to refund you one of the {$35.00} fee, but that was all she could do.
Product: Debt collection

I moved out XX/XX/2022 and the place was clean nothing broken. and the apartment complex tried to say the place had things broken and I have my pictures nothing was broken and the pictures I have doesn't match the debt collection pictures. I emailed them my pictures and videos but they say they didn't get it and I told them I'm not paying it and they keep calling me.
Product: Debt collection

I enrolled into a debt consolidation company, one of the debts I enrolled went into collection, it went to civil court, I agreed to pay XXXX a month until debt is paid, I continue to get statements with the wrong amount owed, I called the collection agency several times and emailed numerous times and they refuse to update the amount owed, I explained to them that I want it fixed for the credit reporting agency and that because they are withdrawing the amount from my bank account, I would like it corrected so that they dont take out funds that I do not owe. The last statement sent they have balance at XXXX and the balance as of today should be XXXX I have made payments of XXXX dollars every other week since XX/XX/XXXX till the most recent XXXX XX/XX/XXXX, and they refuse to update balance owed.
Product: Vehicle loan or lease

I made all payments on time in full. I have twice called Lightstream and asked them to send the title to me. They have said they will send it electronically to Ohio. They have yet to do so. I don't have it and the XXXX XXXXXXXX XXXX XXXX XXXX does not have it. I can not register my car here without it. 

The first time I called, which was when I was initially trying to register the car here in Ohio XXXX years ago, I was told it would be sent. It wasn't. After the car was paid off I waiting a couple of months and called to ask where the title was and was told it would be sent electronically to the state of Ohio. It wasn't. I then called what would actually be for the third time and asked again for it to be sent. The rep on the phone said she didn't know why it hadn't been sent but that she would do so. It has now been almost TWO YEARS and I still don't have my title to my paid off car.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/ PLEASE REMOVE THESE INQUIRIES FROM MY CREDIT REPORT ASAP, THESE INQUIRIES WERE NOT AUTHORIZED
Product: Debt collection

this is XXXX  debt I not owe I have account with XXXX over 15 years and my account is current
Product: Credit card or prepaid card

I am currently in complete shock with the lack of professional support at Upgrade. 

According to Upgrade they received a letter from XXXX stating that I disputed the account. 

This is not correct! I never disputed the two lines of credit. I sent documents that you verified and opened the account. 

I was able to use the account for 3 weeks and then they blocked it from anymore purchases temporarily until I could verify that I did open up. 

I have called Upgrade over XXXX times left XXXX on their voicemail & Filed several CFPB complaints reports. I have spoken to countless representatives at Upgrade and they advised me that I would have to contact this specific department who would remove the block. They have never called me back or reply to email.
Product: Credit reporting, credit repair services, or other personal consumer reports

i sent a request to have fraudulent incorrect items reporting on my personal credit report
Product: Money transfer, virtual currency, or money service

I ran my credit report and soft inquiries have been run on my report for things that I have not authorized, as well as seeing an address in my credit report that does not belong to me. Also every 2 weeks I get text notifications stating that money has been deposited into a payday loan and that payments on a payday loan have been made. You can see the soft inquiries on the credit report I have run and I will start to save the text messages.
Product: Credit reporting or other personal consumer reports

Information provided by Equifax regarding my XXXX XXXX account is not accurate. 

I have contacted and called Equifax several times regarding this account. I have provided copies of my statement and letter from the merchant indicating that the account has been completely paid off leaving a balance of {$0.00}. 

However, dispite my efforts to correct this information and dispite all documentation provided, Equifax refuses to update the balance on my XXXX XXXX account to reflect the accurate and current balance of {$0.00} on this account. 

This is causing a lot of damage to my credit worthiness by showing my account with a balance owed of more than {$50.00}. This is completely unacceptable. ( FCRA ), Public Law No. 91-508 and 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness. Equifax is flagantly and on purpose violating my rights under the law. 

I have formaly requested that Equifax provide a description of the process used to viladate this information, including the name and phone number of the person contacted as indicated in FCRA. Equifax also failed to provide this information. 

Equifax is mocking the law and all agencies in charge of this law by indicating that the account is under dispute and need time to research the issue. I kindly ask the Consumer Financial Protection Bureau to enforce the law and stop giving Equifax time to resolve this matter. Equifax must update my account and post a Balance of {$0.00} in this account as indicated by the merchant. 

Equifax is the only CRA providing wrong information regarding this account. XXXX and XXXX have made the necessary correction after I provided the same documentation previously provided to Equifax. However, they refuse to update the balance of my account with accurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

National Credit Systems Inc has been reporting a erroneous information on my XXXX and XXXX credit profiles as a collection account. They are reporting this account as a joint account which it is not. I belongs solely to the primary on the account. They have also recently over the last coupled days updated the amount of the collections from {$1500.00} to {$1500.00}. Neither of these amounts reflect an accurate balance. I am demanding that all reporting attempts on this account cease and desist and be immediately deleted from my XXXX and XXXX credit profiles permanently.
Product: Debt collection

I was made aware that my personal information was stolen on a data breach, I've since been taking action with the bureaus to remove many things from my credit reports including over XXXX inquires, XXXX addresses, etc. This debt was found and I never received any information about it, the address it is under I never resided and I can't get it off my report because of this collector. I've disputed the debt two times now asking for verification or validation of such debt and I've yet to hear a word from this company. I asked to see the original signed contract, any agreement I had for them to post this on my report, anything and have received nothing.
Product: Checking or savings account

Account was opened at both Chime ( yesterday XX/XX/21 ) and XXXX XXXX ( XX/XX/21 ) by someone using my email adress. I can not get through to Chime in anyway shape or form. I am a XXXX so I understand whats happening. So far nothing has appeared on my credit report or on check systems, however I have 3 other employees who've had simalar attempts at XXXX. ( how did they verify me? ). However Chime is sending supposedly a debit card to my son 's address. Clearly this is fraud. Put fraud alerts on my credit accounts. Please help
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 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 CFPBs findings indicate that Zelle has not only neglected to protect consumers has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises some serious concerns about consumer safety.