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

I called XXXX XXXX XXXX using the number XXXX XXXX XXXX with my secured credit card number as XXXX to resolve. The XXXX XXXX XXXXXXXX refused to correct and listen. I told them that I just found out from Experian report that the XXXX XXXX XXXX gave the APR info and it ruins my credit report. The percentage was 17.29  %. The XXXX XXXX XXXX said no, it was 25.99 %. I told the XXXX XXXX XXXXXXXX that when I requested for a SECURED credit card, he did not mention of the APR. Because if I KNEW it was that high, I would not accept their SECURED credit card and would look else. I did not know it was either 25.99 % according to the XXXX XXXX XXXX  yesterday or 17.29 % according to Experian report. 

Experian gave me a score of XXXX and I was happy with it. But as soon as I let Experian to look at my another bank which is XXXX XXXX XXXX XXXX XXXX to BOOST my credit score by using my phone bill ( XXXX ) as a way to gain points to prove of my ability to pay on time as I did in the past. However, the Experian explored further other than utility bills and use the credit card information and punished me and reduced 10 points off. My credit score is now XXXX. I am not happy! The XXXX XXXX XXXX never told me about the secured credit card with the APR. Honestly, I would not accept it at all! I am now looking for another bank 's SECURED credit card to help my credit record. As soon as I find one that is low on APR, I will shut account with XXXX XXXX XXXX because they ripped me off by charging me every month on maintain fee and never told me about the APR. It is a dirty business. 
I don't know why Experian has to hurt my credit report. It is MY MONEY I PUT INTO my secured credit card! It was {$8000.00}!! If I leave it in a checking account or saving accounting, it wont help with my credit record at all, so that is why I ordered a SECURED credit card, but it backfired!
Product: Credit reporting or other personal consumer reports

I already have a credit account with this company and it did the check again thus generating a huge loss as I have a new hard inquiry in my credit history taking away the opportunity to have opened a new account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX Phone number ( XXXX ) XXXX Record details On record until XXXX XXXX Inquired on XX/XX/XXXX XXXX  Credit card. This inquiry is scheduled to continue on record until XXXX XXXX.
Product: Debt collection

rozlin financial group put collection in my credit report on XXXX XXXX for {$1400.00}. this is not my account nor i have debt with them. i think this is somebody who steal my information and opened account.i called the company and told them this is not my account and they still put in my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I filled a complain through the CFBP for a incorrect collection that was placed on my account on XX/XX/22 the company responded & said the collection was closed with explanation from my XXXX report. 

For the amount of {$160.00} debt from XXXX XXXX. I called and canceled the membership prior to them placing a collection on my account. I sent several letter to Equifax no response.
Product: Checking or savings account

I have repeatedly been unable to access my online bank account via both app and web browser.
Product: Mortgage

I initiated a loan modification, and during this process, the company began reporting late payments to the credit bureaus. As a result, they are now reflecting my account as being three months behind, which has severely damaged my credit. This has led to all my credit card issuers drastically reducing my credit limits by 90 %.

As part of the loan modification, I was required to make three trial payments, which I completed as agreed. Despite this, the company continues to report inaccurate information. When I contacted them in XXXX for clarification, they provided a vague response, simply stating that they must report to the credit bureauswithout offering any resolution. 

If they reported accurate information, my credit would reflect my on-time payments as per our agreement. Instead, due to their failure to report correctly, my credit score has dropped by over XXXX points. 

This feels like a deceptive practice designed to intentionally lower your credit score, making it difficultif not impossibleto refinance your mortgage with another lender for years.
Product: Credit reporting or other personal consumer reports

The information is clearly incorrect. Ive been trying to have you guys & Experian to remove it
Product: Debt collection

This is the second time this credit card company had an account opened in my name that didn't belong to me. The first time they acknowledged the identity theft, yet a card was opened in my name again shortly after. I again reached out to this company and to my credit agencies, and they were of no help this time. I did file an FTC identity theft report and XXXX  XXXX responded to this theft report stating that I needed a 'police theft ' report. I don't even live in that state anymore..I 've done everything I can to prove this and get this removed and this company won't help. LVNV is the debt collector and they won't assist either.
Product: Mortgage

Addendum number XXXX : XXXX ( unintelligible last name ) called from Wells Fargo, in regard to our complaint. He left us a message to call XXXX XXXX, who was not in the office, so he left us a number to reach him. XXXX, that number is not in service.
Product: Credit card

On XX/XX/year>, the company XXXXoot Barn opened a credit card in my name without my knowledge. The store had me put in my social security number for what I was told was a XXXX XXXX XXXX but when I got home the manager of the store called me to inform me that they had opened up a credit card in my name on accident.
Product: Checking or savings account

On XXXX  my sister and I visited the Wells Fargo in XXXX XXXX and tried to XXXX XXXX of their checks, and was denied for no valid reason. XXXX ( assistant manager ) used the little leverage she had by denying our transaction, just to inconvenience us. 

We presented multiple forms of valid ID, the bank teller called my tenant ( their client ) to confirm they wrote the check, they verified the funds were in the account, and they still wouldn't cash the check. I have never experienced this. It was embarrassing, humiliating and made me angry. 

I'm sure they will say I was rude to the staff, which I was after they denied to cash the check. Apparently asking them what the actual check cashing policy is was too much for them to handle. They couldn't answer what their own policy was, gave me a new client packet and claimed it was in there, which it wasn't, and they couldn't point it out. 

They really made me feel like I was doing something wrong. I just wanted to cash their check at their bank. I shouldn't be forced to open a new account. It is their own bank check. Their own website claims they will cash their checks. 

Maybe they were out of cash? 

The manager ( XXXX ) at this branch is one of the most XXXX XXXX, incompetent and stuck-up people I have ever met.

She clearly didn't like us and decided that we shouldn't be allowed to access our cash, just to inconvenience us. 

This branch has a XXXX rating on XXXX. Something is rotten here.
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 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 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 XXXX XXXX XXXX 

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: Prepaid card

I tried to use an amex gift card online at XXXX, it did not work and upon doing more research these gift cards are not accepted at most places online or instore. I currently have two cards that are essentially useless.
Product: Money transfer, virtual currency, or money service

i am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recant 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. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

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


15 U.S.C 1681 section 602 A. States that 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
Product: Checking or savings account

On XXXX XXXX, XXXX check number XXXX in the amount of {$1100.00} on XXXX XXXX, XXXX check number XXXX in the amount of {$1000.00} on XXXX XXXX, XXXX check number XXXX in the amount of {$1100.00} on XXXX XXXX, XXXX check number XXXX in the amount of {$890.00} on XXXX XXXX, XXXX check number XXXX in the amount of {$980.00} on XXXX XXXX, XXXX check number XXXX in the amount of {$900.00}. These are checks that have been deposited into account without my authorization. I wasnt aware until XXXX XXXX that this occurred. I didnt use this account for sometime and did not keep up with it. I tried resolving matter with Bank Of America. This transaction are fraudulent and Im being held accountable. I have sufficient documents showing that I am not responsible. All deposits are teller transaction which means teller did not verify person or any other authorized users.
Product: Debt collection

Im reaching out to request a deletion of ProCollect ( Account # XXXX ) from my credit file. I have filed numerous disputes with the credit bureaus and Procollect directly. Procollect has continuously failed to provide sufficient documentation that I owe a debt. Procollect can not furnish proof. On XX/XX/2021 I mailed certified letter for verification of debt to the three credit bureaus and Procollect. On XX/XX/2021, I received 3 pages of information from Procollect. One was attempt to collect debt letter, 2nd was final account statement, 3rd was copy of an application for housing. On XX/XX/2021, I certified mail Procollect asking for a written, signed contract with my signature to verify that this debt is mine. On or around XX/XX/2021, Procollect mailed the exact same 3 pages of information. This debt is not mines. According to the FCRA, Procollect has violated my rights. 15 USC 1681, Section 602a states that I have a right to privacy. 15 USC 1681, Section 604 ( 2 ) states that a consumer reporting agency can not furnish an account without my written instructions. Also, Procollect is violating 15 USC 1692b ( 2 ), 15 USC 1692b ( 5 ) and 15 USC 1692e ( 11 ). 
This company is reporting wrong information and is causing a negative effect to my credit report. Please delete all Procollect accounts from my credit reports.
Product: Checking or savings account

i had my account locked because i reported fraudulent cgarges and fees being charged on my debit card after i was robbed and all my cards and identification stolen after i was shot in the head and beaten with a base ball bat until they thought i was dead. i have been in contact with direct express at least XXXX to XXXX times in the past XXXX months. they informed me that i needed to show proof of identity and i informed that i had been robbed and i didnt have an id. so i was told to send in a copy of my birth certificate and my social security card. so i had to file and send off for my birth certificate and went to social sec office to file for a soc sec card. Isent in these forms of id they requested only to be told they wouldnt work. and that i have to send in my id card drivers license and i tol them i didnt have it i was robbed for it. im awaiting the actual replacement soc sec card so i can go to the d.l office and get a new drivers licence which takes XXXX to XXXX weeks. i have turned flips to get them the forms they needed and stil no help. i also asked for them to send forms to file a dispute for charges made to my card for I Think the amount of approx XXXX dollars. i am not sure of the amount because i can not gain access to my account and they have not sent my monthly statements i requested over a month ago. they are making this impossible to do and to get my account unlocked. i understand the need for security and appriciate that they are doing tight security. but my goodness i have done everything they asked including getting hospital reports to show i was in the hospital during the time the funds were stolen. i also sent them in to direct express. and finally, i have made previous disputes for funds stolen and sent in forms and they only refunded the smaller charges. and said they were closing the dispute, disputes and refuse to refund the rest of the charges. i had called about XXXX times to talk to them about this only to be left on hold for hour XXXX at a time numerous times, numerous, and they just keep putting me on hold and then when they finally do answer they just hang up, this has happened atleast times this month. i just want to get my money owed to me and i am going to close my account with direct express and go to a traditional bank and open an account. this has been happening for over 5 years and im fed up with them. this last fraud from my account was done fro the end of XX/XX/year> to XX/XX/XXXX of XXXX. i would surely appriciate some type of help in getting my account unfrozen. i have lost my home i was renting and my car and had all my utilities turned off and reported to the credit buearu. this has completely detroyed my life. i have had to come to a mental health group home to be able to not be on the streets. please i am pleading with you to help me get this resolved. thank you very much, and XXXX bless you. if you may need to call m3e please call at XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

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


Account name : XXXX XXXX, # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX # XXXX # XXXX # XXXX Account name : XXXXXXXX XXXX # XXXX has violated my rights. 

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: Mortgage

On XX/XX/XXXX we entered into a contract to sell our house with a closing date of on or before XX/XX/XXXX. The mortgage on this house was with Towne Mortgage. We received the loan payoff amount dated XX/XX/XXXX and it included our XXXX payment in that amount. We closed on XX/XX/XXXX and the title company wired the payoff amount on XX/XX/XXXX to Towne for {$340000.00} and myself in the amount of {$110000.00}. As of that date we had no ownership interest in the property and the funds were properly distributed. 

Towne Mortgage reported to the 3 credit bureaus that we did not make a payment on the mortgage in XXXX of XXXX and in XXXX of XXXX. I spoke to a representative at Towne on XX/XX/XXXX regarding this as i was denied a mortgage pre-approval because my credit report reflects 2 late mortgage payments. I explained to the Towne representative that they included my XXXX payment in the payoff amount and was advised that i did not need to pay as it was included in the payoff and the closing was gong to happen in XXXX. I was then advised by Towne that even though they received the payoff amount, they didn't process the paperwork until XX/XX/XXXX and therefore i was considered late and reported to the credit bureaus and then assessed a late fee. I was also told that it takes " the system '' some time to update and therefore also showed a non-payment for XX/XX/XXXX ; even though the funds for the mortgage were distributed on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing contract, company requested a co-signer for a customer who had a recent repo in 2016 with XXXX XXXX and co-signer was unaware. According to the PA laws, Sales person used Unfair Sales practices to gain Sale. Made attempt to speak with Recovery department customer service had no knowledge base of findings. In addition, requesting review of application : 1. Applicant had a recent repo in 2016 and Co-applicant was unaware.

2. While reviewing application, Applicant had a longer job history and more income than co-applicant. Why was co-signer requested?

3. Lease is considered charged off on co-applicants account and applicant is currently serving time in prison. Requesting a full investigation
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a XXXX card and was told to call customer service to verify my identity. I called customer service and had to correct my social security number. Once she ran the credit check and identity verification, i was denied. Before I could request a reconsideration, the representative stated the denial was because Sagestream LLC is reporting me as deceased. I contacted Sagestream LLC on Saturday but their office was closed. I contacted them again yesterday, XX/XX/2019, at XXXX EST ( XXXX PST ) ; however, I consistently kept getting the automated message saying their office opens at XXXX, yet it wasn't open. I left a detailed voicemail with the help of my financial counselor and provided a call back number. I never received a call back.
Product: Debt or credit management

This company deceived me into believing how much of a tradeline they would put on my credit report. I asked for my money back but they have refused my request. I get harassed at least three to four times a day with email advertising even though I have sent them unsubscribed emails four times. I want my money back!
Product: Credit reporting or other personal consumer reports

I am writing to disputed account on my credit report that were made without my consent. According to section 604 OF THE FAIR CREDIT REPORTING TO SECTION ( 15 U.S.C 168 1B ), THERE ARE SPECIFIC PERMISSIBLE PURPOSES FOR OBTAINING A CREDIT REPORT. i DID NOT AUTHORIZE THESE ACCOUNT AND CAN NOT FIND ANY PERMISSSIBLE PURPOSE UNDER THIS SECTION THAT JUSTIFIES THEIR PRESENCE ON MY CREDIT REPORT. 
PLEASE DELETE ACCOUNT I C SYSTEM ACCOUNT NUMBER XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, XXXX  and XXXX  are reporting a bankruptcy on my credit report, as verified. The XXXX District  of Illinois does not provide data to 3 party companies/vendor
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXX XXXX has violated my rights. 


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
Product: Credit reporting or other personal consumer reports

XXXX XXXX : {$1300.00} account number : XXXX last updated : XXXX XXXX * XXXX Balance : {$3700.00} account number : XXXX last updated : XX/XX/2022 * XXXX  XXXX  Balance : {$780.00} account number : XXXX last updated : XXXX XXXX XXXX XXXX balance : {$3800.00} account number : XXXX, last updated : XXXX XXXX They were all disputed with no answer.
Product: Debt collection

collection agency is not licensed in the State of AZ did not know that Capital One had sent to collection no notices
Product: Credit reporting or other personal consumer reports

This company is committing security fraud no 1099 ( a ) or 1099 ( c ) has been file in my name from the company and Im in touch with the irs about it now the company reporting to my credit report in violation of my privacy rights and making money off of my security without giving me my share per the company XXXX form
Product: Checking or savings account

I believe the one check was deposited/ cashed 2 times. I have called ally bank in excess of 40 times to solve the issue. None of the customer service people can help. They transfer me to the wrong department or disconnected the call to date I have spent 36 hours trying to in touch with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a copy of my credit report and it shows company XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX VA XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$1400.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going over my credit files with my attorney and we noticed a lot of unknown addresses and a few errors in the information on my credit report. My name is XXXX XXXX XXXX my current and only address is XXXX XXXX XXXX XXXX, OH XXXX my SS XXXX my DOB XXXX. Please delete any and all information other than the above spelling of my name. 
The following accounts need to be deleted : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX