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

Upon checking my credit reports ( all 3 ) I noticed XXXX had a company by the name of XXXX XXXX XXXX, I have never done business with this company. Oddly enough, it has the same tradeline account number of a company I have done business with, which is Mohela, which is a student loan provider. Upon contacting XXXX XXXX XXXX they indicated that I did not have an account with them ( I read the acct. number to them that is on my credit report ), they also indicated that they don't handle any student loans. I then called Mohela and they confirmed that they only report as Mohela and that it must be a XXXX issue. I called XXXX who advised to call XXXX XXXX XXXX. It has become a complete run around. The account number that this American place has is identical to the tradeline account at Mohela. No one is providing assistance. On my other 2 reports all info is correct as it relates to the Mohela account. I am trying to buy a house and this is not good. No one has provided an answer that I am comfortable with. This is a {$100000.00} amount with a company I have never heard of. Please help me. The account I am referencing has a sketchy phone number attached as well.
Product: Checking or savings account

Capital One has not deposited my payroll funds into my account due to a technical issue. I want compensation!
Product: Credit card

I am disputing the collection account with CREDITACPT account number XXXX, dated XX/XX/year>, with a balance of {$8800.00} This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that CREDITACPT, provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal credit Union regarding multiple overdraft fees I have incurred. Despite having a sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

CBCInnovis was asked to forward me immediately my Tri-merge credit report in its entirety, per loan application for refinance of my beautiful home here in XXXX, GA. 
TO-DATE its been over 3 weeks since requesting my Tri-merge credit report to use as evidence against XXXX, XXXX, and XXXX in Federal Discriminatory complaint for suppression, compromise, delays, altering, false reporting of balances to suppress credit scores. See what both CFPB, XXXX XXXX XXXX XXXX do n't understand, number one, I 'm in control of my XXXX  credit file, and I 'm pending over XXXX XXXX dollars in entitlements, upon receiving proceeds, I 'm going to find the badest XXXX Consumer attorney to sue all listed here, each party will have their General Counsel department to try to reach out and offer a settlement, but no can DO, {>= $1,000,000} LAWSUIT for Discriminatory Practice, look at XXXX, you DODO Birds, you 've been dishonest with XXXX Consumers, you 've been Discriminative toward XXXX Consumer, but look at you know DUMBBELL. See I tried to tell each agency list in this complaint, as an professional I use to receive the XXXX XXXX XXXX report, XXXX reports , XXXX XXXX XXXX XXXX credit reports of consumers, I know how to read the Fair Issac modal and other modals so who 's the XXXX  DODO bird here, its not me. CBCInnovis you folks are a joke, you are not STOPPING me from doing business, I see what 's being done with the XXXX suppression and delaying of corrections to my credit report. Now CFPB I went up against others, XXXX XXXX XXXX in XXXX, it equated into {$110000.00} Principle FORGIVENESS, thanks to XXXX XXXX, XXXX XXXX, and the one and only Beautiful XXXX XXXX ( D ) CA, listening to and studying the POWER of the LAW, it will yield a profit, so CFPB, if its the Feds position to get in bed with XXXX XXXX XXXX XXXX to further attempt, and notice I SAID, Attempt to suppress my credit report to try to STOP me as an XXXX Consumer the right to create, control and maintain a Powerful Buying Authority as an Consumer. I 'm a Fighter, I legally FIGHT BACK!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX. FAIR COLLECTIONS AND OUT XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. i have no knowledge of these above accounts and/or i believe these account were open without my permission. some of these accounts also are reported wrong and should be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX/XXXX and WELLS FARGO. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX  and XXXX and WELLS FARGO with no successful resolution. There was definitely an error on their part.
Product: Vehicle loan or lease

An auto loan was fraudently opened in my name in XX/XX/2016. I had no knowledge of the account until its repossession. An. {$18000.00} loan which I did not consent to. GM FINANCIAL. Refuses to remove the item from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX the consumer and natural person acting on my behalf. No third party is involved. Capital One is reporting negative information on my consumer report without my written consent pursuant to XXXX XXXX XXXX. I have a right to privacy pursuant to XXXX XXXX XXXXXXXX ( XXXX ). 
Pursuant to XXXX XXXX XXXX ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX  ) - exclusions - report containing information solely as to transactions or experiences between the consumer and the person making the report. Meaning my credit card utilized and payment history are not to be reported.
Product: Debt collection

on my credit report it shows a derogatory mark from a debt to Genesis Collection agency for an account with XXXX XXXX XXXX XXXX. The amount is {$7700.00} opened in XX/XX/year>. In the past I visited a apartment rental community of XXXX XXXX. I have never rented an apartment from them, or ever lived there at all. It shows the debt responsibility as XXXX. I am a single individual. I contacted XXXX XXXX over a year ago regarding this and they said they would look into it. When I call back the phone is disconnected. Furthermore the company is out of business also. 
I have evidence of my address for all my life, none of them is this company. 
On my credit report it says " Dispute resolved, reported by grantor ''. Yet the balance shows as open debt.
Product: Credit card

Costco decided to change credit card company so they send me a citi card application which I refused, Never send the paper work never received a credit card and statement, went to costco where they said because I denied the credit card I have to call them again, I did not as I wanted to apply with a different credit card from XXXX. I received a statement from citi bank telling me I was delinquent on my bill ( Never received a credit card instruction on the credit card never saw this credit card ) until I received a statement stating I was late on my payment received penalties and fees I immediately called Citi Bank and told them I have NEVER accepted or signed an agreement for the card and did not even have that card in my possession We had a three way call with Costco which I cancel Costco membership. As I told citi card who wanted me to cancel the card I can not cancel a card who is not mine and a bill that I never saw before. They said they will take care of it.. 
Yesterday I received again the same bill from citi bank I am very scare my credit score is XXXX. I always followed the law and to see that a credit card company is able to issue me a credit card and ignore my right is beyond comprehension. I have the right to decline a card They have no right to send me a bill with late fee and penalties when I never saw or received a bill before??? 
I have citi bank credit cards which I will cancelled of course as I do not trust them anymore,XXXX of the credit card that I have accepted and signed for it years ago I have a XXXX balance.on it. being an excellent consumer did not phase they treated me without respect with regards XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this follow-up complaint to address the persistent reporting of certain accounts on my credit reports, which I strongly believe to be fraudulent. Despite prior disputes, these accounts persist on my credit file, prompting me to request their immediate removal in accordance with the Fair Credit Reporting Act ( FCRA ) Section 605b. As stipulated in FCRA Section 605b, any information that is inaccurate, incomplete, or can not be verified must be promptly removed from an individual 's credit file. The accounts in question, being fraudulent, fall under this category and do not accurately reflect my credit history. Despite my diligent efforts, including contacting creditors and filing police reports, these accounts persist on my credit file. I am requesting the removal of the following fraudulent accounts from my credit file : **XXXX XXXX XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$5900.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$170.00} XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$5500.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX - XXXX  XXXX XXXX Balance {$3200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been non-compliant with removing the unverified account WELLS FARGO BANK CAR which has been deleted by XXXX and XXXX. XXXX  and XXXX have both completed their research and determined that WELLS FARGO BANK CAR was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting 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 : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX  has violated my rights. Or a 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

For Months on end banking with Navy Federal, I would get over drafted and id get an over draft fee a day after i made a purchase then when the purchase posted a couple days later on id get another fee just for it posting when it was on negative. I tried speaking to a few people at navy about it and they had said it was because i had been on negative and that the information was correct when it wasnt.
Product: Credit reporting or other personal consumer reports

They are in Violation of furnishing my consumer reports to person/s that do not have any permissible purpose or any legitimate business reason to receive those reports which is a clear violation of my right to privacy. Without a permissible purpose as per 15 USC 1681b ( 2 ) or knowingly without a legitimate business reason pursuant [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i ) ]. The Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully furnishing my XXXX consumer report on XXXX  without my authorization or a permissible purpose under the 15 USC 1681b ( 2 ) Fair Credit Reporting Act ( FCRA ) and its guidelines for permissible purpose. A person shall not use or obtain a consumer report for any purpose unless ; 1. The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section. 2. The purpose is certified in accordance with section 1681b ( f ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. XXXX ). I hereby request pursuant rule 1002 the permissible purpose or legitimate business reason certification that authorized the furnish of my consumer report on XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to verbally 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 discrepancies, my Fianacial institution and Zelle failed to investigate my claim 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 but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Student loan

This is a written dispute regarding a previous credit card account that reported me 30-days past due for one month 's charges. My recent credit bureau score report labeled 'Account 30 days past due ' that I am requesting to be reviewed and expunged. 
XXXX XXXX & XXXX : 30 days past due in XXXX 2013. This account was a part of my college loan package. Quarterly payments were made. There was miscommunication as to a late fee accrued of {$6.00}. I had spoken to them at that time regarding this late fee and avoiding being reported to the credit bureau. Large amounts of loan payments had been consistently made, I was not aware of the {$6.00} fee that was apparently accrued. The billing services did supposedly remove this fee at time of the quarterly payment, which was paid in full represented by the statement at that time. They did not subsequently remove the late notice and the time continued to accumulate, even though the quarterly statement was paid. They of course retained the idea they were not responsible for this error and unwilling to entertain any modification. The account was paid off and closed very soon thereafter. This is a perfect example of why millions of college students progress into more debt, dealing with loan companies with irresponsible behavior and now involving wasted work time and money of submitting a complaint. I did speak to this company directly, as well as submitting a complaint through the credit score bureau, neither of which providing benefit.
Product: Debt collection

I was contacted twice by State Collection Service about two accounts that were outstanding. For one they wanted to talk to my XXXX yr old daughter about the debt as they had put it into her name instead of myself ( her mother ) or her father. Second when I tried to get more information on them they said to take it up with XXXX XXXX about the bill. I had contacted XXXX XXXX and they have NO bill for us. When I went onto State Collection Online to see about these accounts to pay if it is there, even their site states they have no account for us. This is an amount for only {$31.00} but I have no paperwork nor anything from this company about these accounts. I have tried to talk to XXXX XXXX XXXX about getting more information but they refuse to talk to me as I am not my daughter. I 'm not going to put my XXXX yr old daughter on the phone to talk to someone about this.
Product: Credit reporting or other personal consumer reports

This is my refilling of complaint to XXXX XXXX XXXX for allowing fraudulent inquiry on my credit report and it seems they are not taking action on my this very alarming concerns of mine. As I checked my recent credit report, the unauthorized hard inquiries since I never authorized any of these companies and are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all three credi reporting agencies regarding section 605B of the Fair Credt reporting Act and sent police report, FTC Identity theft report, utility bill, ID and Social, I am requesting XXXX XXXX XXXX XXXX - {$19000.00}, XXXXXXXX XXXX  - {$10000.00}, XXXX- {$530.00}, XXXX XXXX XXXX {$1200.00}, XXXX XXXX  - {$800.00}, XXXX- {$5900.00} and XXXX XXXX XXXX accounts not sure the amounts to be blocked from my credit report as my identity and identification purse was previously stolen, ive notified FTC, Social security administration, All 3 credit reporting agencies XXXX and now the CFPB i need this resolved immediately off my credit please
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax, XXXX, and XXXX Credit Card, reported consumers private non-public information without lawful disclosures and authorization from consumer which violates consumer law. All four entities listed above have been notified and failed to comply with consumer laws made by Congress. Consumer has been denied an extension of credit four times and damages have incurred.
Product: Credit card

I have a Citi XXXX. It is the card with the 2 % cash back. The card has been setup for about a year. During that time I 've run large amounts through it, i.e. averaging about {$3000.00} per month. During that time I 've paid the statement balance in full every month. All of a sudden in the last month Citi keeps blocking transactions for supposed fraud concerns. I then have to make contact with the Card, sometimes having to wait on hold for an hour at a pop. I have voiced my displeasure, said this makes me nervous to use the card for travel, threatened to leave, etc. Citi 's response is almost like they want me to leave. They actually told me that I need to notify them 24 hrs in advance of travel. I took a quick look at rough card merchant fee info online. In my estimation Citi probably is n't making much in the way of money on the card. They 've probably realized I will never run up a debt on the card. The 2 % cash back that is paid to me probably negates the merchant fees. I suspect that they 're trying to frustrate me in the hopes that I will in fact shut the account down. In todays day and age its hard to travel or purchase items without a credit card. I would prefer to not even do business at all with the credit card companies, but that is next to impossible. This country desperately needs a type of clearinghouse where transactions can be processed. Amounts would come out of the checking accounts at the time of purchase ( no debit card ). In short the banks need to be cut out of the loop. 

The card companies want people that ca n't pay the monthly statement in full. They view people who do pay in full to be a problem. That 's a very flawed system.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX am acting on my own behalf In accordance with the Fair Credit Reporting Act, 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I have contacted XXXX, XXXX, and Experian about inaccurate/fraudulent inquires on my credit report by mail and phone multiple times and to no avail. They have continued to ignore my request for immediate removal of the inaccurate information and have not investigated nor provide me with proof bearing my signature of inquiries on my report that I did not authorize. I'm asking to please delete these inquires as they are affecting my odds for approval of credit moving forward.
Product: Mortgage

My complaint of being denied access to my account is a repeat offense from Midland Mortgage Company. This company continues to deny my access to my account information.
Product: Checking or savings account

On XX/XX/2022, I could not receive or make any calls on my phone. I called XXXX and they told me that my sim card was changed by somebody. I advised that I had not changed the sim card in my phone. I am not sure if this is related to my sim card issue but ... Also on that day I checked my bank account online and saw that someone had transferred {$18000.00} out of my account without my authorization and it was a pending transaction. I immediately contacted City Bank regarding this and they immediately locked down my account ; they transferred me to the wire transfer department who then transferred me to the fraud department. I then filled out a form and had it notarized and gave it to the fraud department saying I did not authorize this transaction. I called a month later and they said they refused to return the money to my account even though it is still in a pending status. I asked why they refused to return my money and they said the fraud department will call me regarding this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the Account ( XXXX XXXX XX/XX/XXXX ) with Transunion ( In Writing and Certified Mailed ) as Unverified / The account does not belong to me and I have no knowledge of this account. I requested verifiable proof of the original consumer contract with my signature on it that they have on file. I have not been provided any documents or verifiable proof of this account ( XXXX XXXX XX/XX/XXXX ) belongs to me. I have only been informed the account was verified. I request to know " Who Verified this account and I request verifiable Proof of the original consumer contract with my signature on it that Transunion has on file. '' Under the FCRA all unverified accounts must be removed ; if Transunion is unable to provide me a copy of verifiable proof if must be removed from my credit profile. This item remains on my report. Transunion has NOT provided me a copy of any original documentation required under Section 609 ( a ) ( 1 ) ( A ). I request the original consumer contract with my signature or remove this item from my credit profile.