23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

*Below description. Also see attached supporting docs, please* I went to XXXX XXXX XXXX in XXXX XXXX NJ on XX/XX/21 around the times of XXXX with my girlfriend. I might have had my credit card on the bar next to the running tab when I was ready to pay. When I went to close out my tab, the bartenders told me that the man across the bar took care of our tab so I didn't use my credit card. I only gave the bartenders a {$20.00} cash as tip. When I looked at my statement the next month, it had {$300.00} charge from the XXXX XXXX for that same day. 

I opened up a claim with my bank, Wells Fargo. After an investigation, Wells Fargo said the charge was authorized because the EMV Chip was used. I said that the charge wasn't authorized by me and reopened the case, giving them more info- I had my card out on the bar when i was ready to pay, which I hadn't told them before. After a second investigation, Wells Fargo came to the same conclusion. I opened the case again because I definitely didn't authorize this purchase and am still trying to get this money back. 

I had contacted the XXXX XXXX in the meantime to get any evidence that I could. They said they no longer had anything like a picture of the signature or any other evidence because it happened over a month ago and they didn't keep records for that long. Police report was also filed with all this info and sent to Wells Fargo.
Product: Debt collection

From the XX/XX/2021, I received repeated phone calls from Portfolio Recovery on a debt that was a result of identity fraud. I've sent the police report explaining the situation and have still received calls. I asked for proper documentation, they sent me a blank statement that does not show when I opened the account, what it was used for or anything! The last representative I talked with told me, well its obviously not fraud, its in our favor so you need to pay this. I asked this company not to call me and they repeatedly call from different numbers trying to scam me out of a fraudulent account!
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of adverse information from my credit profile, as exposed in the recent data breach. Upon reviewing my credit report, I have noticed inaccuracies and negative items that are affecting my credit score. I believe that this information is a result of the data breach and should not be included in my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was not notified of investigation results about items reporting on my credit report, this is my second written request about this information reporting. I am concerned about the validity of those items, I am asking for them to be investigated and removed. The Bureaus have not addressed my concern properly.
Product: Credit card or prepaid card

Bank one has reported me to the credit bureaus for a credit I didnt open. I call twice and was told they have closed the account but its still being report to credit bureaus. I never received a card from Bank one. They will not disclose transactions on the card. 

I am requesting a copy of the credit application and all transactions and they refuse.
Product: Credit reporting or other personal consumer reports

I noticed an inquiry from XXXX XXXXXXXX bank XXXX XXXX said I owe them Acima said I owe them
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft. Upon realizing that this had happened after pulling my credit report for the first time a couple years ago, I realized that there were items on my report that I had no idea what they were. I immediately searched for the name of the companies and guidance on how to resolve this matter. I was directed to the FTC to file a report that would remove these accounts from my credit report ( s ). The report would also serve as my " police report '' hence the accounts are out of the limitation to be handled by the local authorities ( per the pd ). One of the accounts was changed quite a few times. Two of the three reporting agencies updated my report very quickly, removing all of the items that were on my FTC report. XXXX was the easiest and most helpful. XXXX  has been accessible but some of the items took a while to remove. The 3rd ( that this complaint is about ) is XXXX. They keep checking my disputes ( which take fairly long ) and come back saying that they are mine. I called them so many times to explain that the other reporting agencies have deleted them and to check my FTC claim. When I further explain that the company went from one company name to another, they don't understand why I am upset because they removed the old accounts under the old name, but left the same accounts with the newer name. When i call to further explain or complain, they ask me a series of questions that are for my protection as they claim ... .the problem is, and I tell them this, the questions they ask are about accounts on my credit file that DO NOT BELONG TO ME, therefore i can not answer them. I give them all information about accounts that are mine and still cant get any headway with them. I don't understand how 2 out of the 3 are updated to reflect my actual accounts, but this company can not get on the same page. I have been dealing with this for a couple years now and it is really hindering my score & affecting my ability to do anything that pulls from XXXX. When i call them, they are like robots ... they do not listen or try to help when i say things like i don't own the accounts that you are asking me about so i can not answer them. If they delete the original accounts, why do they keep the same accounts that just changed names or hand offs?? I am also including the information that i sent to the companies reporting info to the credit bureau 's. I am being penalized and harassed by collectors for things that are not mine.
Product: Debt collection

I was in the process of applying for my home and i noticed this account from Global lending service for a auto loan, which was open XXXX and debt amount XXXX. I have no knowledge of this account I also never applied for a auto from Global lending service. Under USC 15 1692g, and 1681b permissible purpose this account is reporting inaccuracies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Debt was transfered from one servicer to another and late payments due to deferment information not being sent to correct address because I moved to a different state still shows on new creditor
Product: Student loan

My payments are not being reflected accurately on my account. I have requested a detailed statement showing my beginning balance including any fees and cost, payments applied and remaining balance. I have requested this information three times and no one has responded. I have followed TG ombudsman policy to contact the collections department and still have not had a response.
Product: Debt collection

Company at center of complaint : XXXX Issue : I received an email notice from a debt collection company about a XXXX bill from when I closed my account. How did my bill get to collection when I have gotten not one email or piece of mail from XXXX  about my account and its remaining balance if there was one. I have no issue paying my bill, but to ruin my credit when Im trying to rebuild it without notifying me I owe them is a problem. They need to undo this collections and allow me to pay them fairly. I called to resolve the issue three times and they have either told me they will transfer me to a manager and send me to their voicemail, complain that the line is bad and that they will call me back or put me on hold and the call magically drops.
Customer with complaint : XXXX XXXX
Product: Mortgage

I went online to pay my  XX/XX/XXXX  WELLS FARGO mortgage on  XX/XX/XXXX . The payment posted from my  XXXX  account on  XX/XX/XXXX . On  XX/XX/XXXX ,  XX/XX/XXXX  and  XX/XX/XXXX  WELLS FARGO attempted to take an additional mortgage payment from my  XXXX  account. This resulted in 3 separate fees of {$29.00} withdrawn from my   XXXX   account because they made 3 separate attempts to withdraw this additional payment. I called Wells Fargo and spoke with  XXXX  who was no help at all. She explained that once I made the payment on  XX/XX/XXXX  it should have reset my pay to the next cycle in  XXXX . Which I agreed. But then she started back tracking saying that it is not Wells Fargo fault and I should have called when I made the payment. She essentially tried to blame me for wells fargo system jot doing what she explained that it was supposed to do.This is unacceptable and cheating a loyal customer out of money. I have been with Wells Fargo mortgage since  XXXX   and have never been late or missed a payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within XXXX  days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Investigation and Account Deletion Under the FCRA Dear Sir or Madam, I am writing to you regarding the account [ XXXX ] reported in my credit history. Following a dispute with [ XXXX ], this account has been removed from their report because the information was found to be inaccurate or unverifiable. Attached to this letter is the confirmation of deletion provided by the other credit bureau, further demonstrating that the data provided by the information furnisher does not meet the accuracy standards required under the Fair Credit Reporting Act ( FCRA ). 

During their investigation process, the other credit bureau reviewed the details of the debt and determined that the information could not be verified as accurate. As a result, they removed the account from their records. I expect the same level of diligence and adherence to the FCRA 's requirements in your investigation.

Pursuant to 15 U.S.C. 1681e ( b ), you are required to maintain reasonable procedures to ensure maximum possible accuracy in the information contained in my report. Since this information has already been removed by another credit bureau, I request that you review this account and remove it from my report to reflect the same level of accuracy.

Furthermore, under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I demand that you conduct a reasonable and thorough investigation of this dispute. The removal of this account by another credit bureau strongly suggests that this information can not be verified. Additionally, under 15 U.S.C. 1681s-2 ( b ), the information furnisher is obligated to correct or remove inaccurate data across all credit bureaus with which they operate. I request that you contact the information furnisher to confirm that this information should be removed from your files.

Finally, please note that failure to comply with your obligations under the FCRA may result in civil liability under 15 U.S.C. 1681n and 1681o. I look forward to a prompt resolution of this matter and request confirmation of your receipt of this dispute, as well as the removal of this account, within the 30-day timeframe required by law. 

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

1. Identity theft began in mid XXXX with diversion of mail to a fraudulent address through Change-of-Address order to USPS. All my accounts were changed to that address. 
2. Notified all credit bureaus and requested credit freezes online ; Experian website said to call immediately for suspected identity theft.

3. They are UNREACHABLE by phone; attempted several numbers many times. ( The other 2 bureaus were easily reached ).

4. Have twice filed reports online disputing the fraudulent address with no clear response. 
5. On XX/XX/21, sent registered letter to Experian ( attached ) which they signed for. 
6. The only response received was an email communication dated XX/XX/21 stating they were unable to honor my request ( report # did not match that on my letter ). 
7. On XX/XX/21 they posted a {$26.00} charge to my credit card for a credit report ; I never asked for this and never provided my credit card to them for such a purpose. I received a copy of my credit report through the FTC site where I reported the identity theft. The charge is being disputed with my bank. 
8. I am aware that Experian has disseminated the fraudulent information to at least one other agency ( XXXX XXXX ) without any attempt at verification of the change. They offer protection plans to consumers for a fee but they are part of the problem.
Product: Mortgage

I have been contacting Suntrust Mortgage to cancellation my PMI insurance. My mortgage balance is approximately 72 % of my original purchase property value. Everything I read states that Suntrust should have terminated my PMI automatically when the value reached 78 %. Suntrust own documents sent to me say that termination will happen at 78 % of the original property value. My calls and e-mails have not worked. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been an encounter going over this and I am submitting this complaint AGAIN to remove the following fraudulent accounts in my file that are reporting on Transunion Credit Bureau. I would like to request the suppression of these items from my credit report, which is the result of fraudulent item origination and identity theft. I already talked to the furnishers and they all agreed to DELETE the accounts from my file but Transunion said they have some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. I asked them why they're not accepting the FTC report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the FTC report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... PLEASE DELETE THEM IMMEDIATELY! 

XXXX XXXX, XXXX/XXXX  XXXX, XXXX/XXXX  XXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX  XXXX
Product: Money transfer, virtual currency, or money service

I want to 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. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Money transfer, virtual currency, or money service

I was sent a promo code email to apply for the next money transfer valid till XX/XX/XXXX XXXX 
I used the link in the promo code to send the transfer and in the process of completing the and reviewing the pending transaction, it appeared that there is no fee, so I confirmed it. 

Upon receipt of the WU confirmation, I noticed that they applied a {$12.00} fee, ignoring the promo code that was promised and solicited in the Western Union promo email. 

Had I seen the charge before completing the transaction, I would have not done the transaction. WU should have at least provided a summary of the fees before and not after the transaction and request acknowledgement of the fee ( which should have been waived anyway ). 

When I called the WU XXXX number to report the problem, they said it was too late. They would not credit the service fee, and they offered to send me another " promo code '' for the next transfer. 

I found that to be unacceptable Bait & Switch and fraudulent. 
I demand the refund of the {$12.00} fee that was charged illegally. 
Thanks, XXXX XXXX
Product: Checking or savings account

Bank transferred from my account to overseas without my knowledge Bank called me the time it happened and I spoke with them and disputed this transfer and they promised me that no money will be transferred and they put the whole amount on hold. 
I discovered after one week they transferred the amount and when I called them they opened an investigation case with a promise that I will got my money back After one month they closed the case and denied without even telling me why or in what base they closed it. 
Now they want me to write to them again, which I did. 
I am running after this problem from last XXXX without solving it which cost me lot of money going and spending time in different suntrust bank. Also disturbed my son who is XXXX  XXXX  to pay his rental apartment which I borrowed money to pay Iam XXXX years old and living in tied budget
Product: Debt collection

On or about XX/XX/2022 Fair Collections and Outsourcing ( FCO ) called and informed my mother, XXXX XXXX, on her personal cell phone that they were attempting to collect a debt in my name in a specific dollar amount and demanded that she provide the FCO representative with my phone number and told her I was in trouble.

This is a direct and severe violation of consumer and privacy rights. FCO is an abusive third party debt collector and I have provided a letter disputing the accuracy and veracity of the debt they claim to be collecting.

FCO is located at XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX.
Product: Credit card or prepaid card

My American Express, as well as all my credit accounts, are always paid in a timely manner and absolutely never late. I never pay just the minimum and pay off large amounts of the balance but American Express repeatedly blocks spending on the account with many reasons why they Shut down the card. When I call in they tell me Im an excellent customer in good standing but they continuously shut off the card with a many u substantiated reasons. They have personally insulted me when I call to complain and typically get a representative from outside the US who does not speak fluently. The gentleman from XXXX I spoke with in Sunday was verbally insulting me and lecturing me on false accusations. This happened XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX also and I still dont have this resolved. They charged me a {$550.00} annual fee last month but keep shutting off the card which doesnt allow me to access the benefits of the annual fee. This all seems fraudulent to me and would like Amex investigated. A customer in excellent standing should not have to deal with this. My account statement shows there is no payment due at this time and no preset spending limit which is evidently false. Being a XXXX XXXX I am making large purchases monthly and expect to carry a balance between 10-20k depending on need but it always gets paid and I pay large payments!!!
Product: Credit card or prepaid card

At the end of XX/XX/XXXX, I noticed that there were a few charges on my card that I didnt authorize for XXXX XXXX XXXX. I called customer service to dispute these charges due to being out of the country and the representative told me that these charges started in XX/XX/XXXX but that she could only dispute the charges going back 60 days. My current card was shut down and I received a new card in the mail. On XX/XX/XXXX, provisional credits were applied to my account totaling approx. {$450.00}. A week later I found out that a former friend of my daughters wrote took my card information while she was with my family and had made these purchases. I called customer service, explained the situation and asked if I needed to make a police report with the information I found out. The representative told me no it wouldnt be necessary, so I didnt file a police report. On XX/XX/XXXX, the card issuer debited {$380.00} from my account stating that the inquiry showed that the transactions had the correct card number, my zip code, and 3-digit code on the back of the card and that there were earlier transactions from this merchant. Even though I explained the situation, I was told there was nothing that could be done. When I looked back at my bank statements, the charges started in XX/XX/XXXX. In XXXX and XXXX, the charges were less than {$50.00}, which explained why I didnt notice it, and then increased the following month.
Product: Payday loan, title loan, or personal loan

First- OneMain has CONTINUOUSLY added lender placed insurance to my secured personal loan that was secured with my car. They NEVER warn me that it will be added and then when I show them proof that I have insurance ( and have always had insurance ) they never refund the full amount they charged. Additionally, they charge interest of 30 % on the lender placed insurance for the month they have it on. Most recently, I showed them proof of insurance, and they didnt remove it. Then after 11 months, they did remove the charge. But then they added it back a few days later. They FINALLY removed it- but NEVER credited the interest I paid for over a year on {$500.00}. Also- the max interest allowed by law in NJ is 16 % on an auto loan- but they say mine is a secured personal loan and charge me 30 %. But they wont tell me the difference between a personal loan that is secured by an auto and a regular loan that is secured by an auto.
Product: Credit reporting or other personal consumer reports

There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  XXXX XXXX  XXXX  # XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX {$420.00}
Product: Credit reporting

Basically I 've been keeping an eye on my credit report since I fired XXXX XXXX, however I 've noticed that I have a total of XXXX inquiries on my Experian credit report and I never applied for credit all these times. I was told by a XXXX XXXX Representative that in order to increase my score I had to get more credit and he 'll help me out with that. To sum it up I started receiving credit cards and I assumed it was because my credit was getting better. Long story short I 've seen the inquiries but I assume that that was because they sent me a card. But after reviewing my credit report today on Credit Check Total I had inquiries for things I did n't run my credit for I only applied for XXXX things but I see that I have XXXX inquiries. Here are the inquiries that are n't requested by me : 1. XXXX XX/XX/2017 2.XXXX XXXX 3.XXXX 4.XXXX 5.XXXX XXXX 6.XXXX 7.XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit reporting Act XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX has violated my rights. 15 U.S.C. 1681 Section 602 A. States I have A 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: Credit reporting or other personal consumer reports

An account was opened in my name without my knowledge, permission or authorization