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

I had a credit card bill due on XX/XX/XXXX in the amount of {$75.00}. I paid the complete amount due on XX/XX/XXXX. My account is now XXXX. When I received my new bill, it said that I now owed {$1.00}. When I called to complain, I was told that it was due to Residual Interest. I told them that it is impossible. I paid the total amount due and before the due date. The operator agreed to take the {$1.00} off my account. I informed the operator that because I knew that I paid the account in full, I wasn't even going to open the new bill because in my eyes I did not have a bill. I thanked the representative for taken the {$1.00} off but imagine all the people that just pay the {$1.00} without dispute it. If she states that its considered Residual Interest then why did she agree to take it off? 
It's not the amount that I'm complaining about, it's the practice of the way they charged me. Is it legal?
Product: Checking or savings account

On XX/XX/XXXX I was contacted by someone impersonating my bank telling me that my account had been compromised. While I was on the phone, I XXXX  the phone number to make sure it was a chase number, and it was. The fraudster created a false sense of urgency by demanding that I transfer funds between my savings and checking accounts to avoid any overdraft fees. When I logged into my account to do this, the fraudster intercepted the transfer then wired my money to an unknown bank without my knowledge or authorization. When I realized my account had been compromised, I went directly to the bank to " recall '' the wire, but the money was already gone. I was instruction to file a police report, which I did, then I was told that the report wouldn't change anything and was unnecessary. Since this happened, I have contacted Chase every day both by phone, secured messaging, and in person at my local branch. Nobody is able to help me, give me an idea of when the funds will be returned or give me any information about who is investigating the fraud. The amount of money stolen from me was {$4100.00}. I have since been furloughed from my job. I need this money ; I need someone to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to report errors pertaining to a PAID XXXX charged-off account XXXX The Payment Status is incorrect because this account was PAID in XX/XX/XXXX. 

The Date Opened is incorrect ( as the other CRAs report different information. ) The Date Last Active is incorrect The Date of Last Payment is incorrect. It shows XX/XX/XXXX. 

The Account Type is Incomplete.
Product: Debt collection

I never did business with this company I.C. System, Inc.

RE : You violated The United States Code Law 15 U.S. Code 1681b-Permissible purposes of consumer reports.

( A ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Under 15 U.S. Code 1681b permissible purposes of consumer reports.

I never gave you any written consent to report anything on my consumer report.

As a consumer by law this account on this letter must be deleted immediately or i will seek monetary damages in small claims court in my city and state.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a lease with  XXXX . I set up automatic withdrawal for my payments. I sent in the form and voided check to enroll. I was told it would take approximately 30 days to go through. I received a bill later on asking for a double payment. I had thought that the payments were on auto draft. It turns out the company did not withdraw the payment by the due date. I was never called or notified in writing that my account was delinquent until after a 30 day mark appeared on my credit report.     When I called  XXXX  regarding the bill, I paid the full amount due immediately.  XXXX  said that due to the misunderstanding, they would remove the 30 day mark from my credit report if I submitted a request in writing. I submitted this request rough ly 4-5 months ago and have not heard back. I have called multiple times only to be bounced around departments with no one able to give me any information or answers.  I also tried disputing this information from my credit report and they did not remove it. I am requesting this 30 day late mark be removed from my credit report.
Product: Credit card or prepaid card

I made two payments to Comenity Capital Bank. One payment for {$150.00} on XXXX XX/XX/22 sent from XXXX XXXX XXXX XXXX. Confirmation number XXXX. Second payment {$300.00} XX/XX/22. XXXX XXXX XXXX XXXX. Confirmation XXXX. These payments were not reflected on my statement. I have tried on numerous occassions to contact Comenity Bank but have had no satisfaction. The telephone number they gave me is not answered after two hours of wait time. Telephone number XXXX help in this matter will be appreciated. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding inaccuracies on my credit reports maintained by Experian and XXXX. Two accountsone with XXXX XXXX and another with XXXXhave been settled, paid in full, and are to be deleted from my credit reports. 

While XXXX has correctly deleted these accounts from my credit report, Experian and XXXX continue to inaccurately reflect these accounts. This inconsistency across credit bureaus has caused undue frustration and harm to my creditworthiness. 

To address these inaccuracies, I submitted disputes to both Experian and XXXX regarding the XXXX XXXXXXXX account and the XXXX account on XX/XX/year>, and XX/XX/year>, respectively. Despite providing all necessary documentation to substantiate my claims, both bureaus denied my disputes and failed to make the required corrections to reflect the deletion of these accounts. 

The lack of consistency among the three major credit bureaus is concerning and undermines the integrity of the credit reporting system. As a consumer, I rely on the credit bureaus to provide accurate and updated information, and this failure to do so is unacceptable. 

I respectfully request the CFPB 's assistance in resolving this matter by ensuring that Experian and XXXX update my credit reports to accurately reflect the deletion of the XXXX XXXXXXXX and XXXX accounts , consistent with XXXXXXXX XXXX reporting. 

Thank you for your time and attention to this matter. I am happy to provide any additional documentation or information needed to assist with your investigation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

I opened a checking account with Chase XXXX weeks ago and was lured for a {$300.00} credit if I set direct deposit and a premier checking account " free '' for being a Veteran. I set direct deposit with my XXXX job and I was told after XXXX days I would get my credit in my account. Now Chase is canceling my account and they do n't give me an explanation. Additionally the credit of {$300.00} is not to be seen. I called a rep when i got the letter and she told me it was a final decision and no way to debate such decision. I told her that I was a Veteran and that is why I was given the checking account. She told me " it did not matter who I was or that I was a Veteran ''. She said final decisions are final and nothing can be done. JP Morgan Chase has a good history of helping veterans with jobs and have done descent job fairs at helping Veterans in many types of situations. In this case I felt betrayed and discriminated just for being a Veteran. I feel disappointed that Chase would close my account with no explanation and feel Chase is after all not really helping veterans but denying us the right of a checking account. All I can remember is that in XXXX I opened an account with Chase in another state KY but had to leave and was not able to maintain it and left it unattended. Also I was attending VA hospital for XXXX. Maybe account closed negative I do n't know. This happen almost XXXX years ago and it should not matter now since my situation has changed and XXXX. I wanted to open a checking account with Chase because they are everywhere and very convenient. But if it 's not possible then I will seek other providers that " honor Veterans '' and do n't deny them a simple checking account. We deserve more and not just a checking account for serving this country with honor and proudly. Words from a former XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

address names and employment all ftc violation will list : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX names : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX accounts : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX. 


job : XXXX
Product: Debt collection

My dispute is against XXXX XXXX XXXX XXXX My wife and I attempted to refinance our home last year and discovered a lien in my name filed in the land records of XXXX County , Georgia . Pursuant to lenders instructions, we had to satisfy the {$1400.00} lien at or before closing. My wife and the lender attempted to contact the creditor to no avail. I contacted an attorney in XXXX to assist with acquiring the necessary information from the creditor to satisfy the lien. The attorney contacted several attorneys before finding the firm handling XXXX  accounts. It was discovered that the creditors attorney failed to comply with Georgia law and re-file the lien within the seven year period from the original filing date. Therefore, under Georgia law, the lien was expired. However, the title company informed our attorney that the lien must be cancelled of record in order to obtain title insurance for the refinance transaction. Herein lies the problem, representatives from the creditors attorney stated there was no money due for the account in my name. When our attorney asked for a cancellation of the lien, the creditors attorney would not cancel the lien in the county land records. My wife and I asked our attorney to obtain the amount to pay off the debt. Again, our attorney contacted and spoke with several persons with the firm handling XXXX account and could not even obtain an amount to pay the debt off. We have been trying to refinance our home since XX/XX/2017. We can not refinance our home due to XXXX failure to release the lien or provide an amount to pay off the debt. Also, we have suffered significant damage because the interest rate locked by our lender has expired. We were not waiting for approval to refinance, but ready to close the transaction. Our attorney has suggested a suit against the creditor for slander of title. However, it our position that extra money on our part should not be spent. We are willing to pay monies to the creditor, if we can speak to someone with authority to handle the situation. We would like any assistance in being able to contact XXXX XXXX to release the lien or negotiated a payoff for satisfaction of the debt. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent certified letters to each of the 3 major credit reporting agencies ( XXXX XXXX Tracking # XXXX ) ; ( Experian Tracking # XXXX ) ; and ( XXXX Tracking # XXXX ), asking for verification of 100 % accurate reporting of my credit report. I received verified information from all XXXX bureaus. How is this information verified as accurate when there are still variances from each bureaus report. Variances include : number of late payments, addresses that I have never lived, account opened dates, employers that I have never worked for, and even a spouse -- when I have never been married. 

XXXX XXXX XXXX : variance in the dates account was opened on XXXX and Experian reports. Verified as inaccurate by XXXX, and deleted. 

XXXX : variance in the number of late payments and original balance on all reports. 

XXXX : variance in the number of late payments and original balance on all reports. 

First Premier : variance in the number of late payments and original balance on all reports. This also surpasses the allotted time on my credit report, as it was placed on XX/XX/XXXX. 

XXXX  XXXX : variance in the number of late payments and original balance on all reports. 

XXXX XXXX : variance in the number of late payments and original balance on all reports.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear Sir or Madam, I am writing to formally lodge a complaint regarding XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Several months ago, I requested a Debt Validation Letter from this organization as per my rights under the Fair Debt Collection Practices Act ( FDCPA ). However, to date, I have not received any response or the requested validation of the alleged debt. 

In the absence of a Debt Validation Letter, I am unable to verify the legitimacy of this debt. This failure to respond constitutes a violation of the FDCPA, which mandates that a debt collector must provide validation of a debt upon request. 

Given this lack of response, I am formally requesting that this alleged debt be removed from all credit bureaus immediately. The failure of XXXX XXXX XXXX  to provide the requested validation leaves me with no other recourse but to seek your assistance in ensuring that this erroneous debt is expunged from my credit records. 

I trust that the CFPB will take the necessary steps to address this issue promptly. Thank you for your attention to this matter. I look forward to your swift response and resolution. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

Wells Fargo a habitual violator of charging erroneous over draft fees although funds were deposited or refunds issued. On XXXX a charge for {$21.00} from XXXX was processed on my account leaving my account balance at {$53.00}. Then on XXXX a refund was issued from XXXX for {$21.00}, a purchase {$27.00}, {$10.00}, and {$21.00} which would leave my balance to be {$16.00} but no Wells Fargo charged my account {$35.00} overdraft fee when my email from them says if the funds are deposited by midnight the fee will not be assessed and per their terms deposits are done first. Yet I was still charged I did call in on today XXXX and they credited the fee but the issue is it should never have been charged and if my account was over drawn why is the balance XXXX? $ XXXX $ XXXX $ XXXX because you charged the fee after the credit posted. Illegal and unlawful business practices and an exam needs to be opened against Wells Fargo AGAIN
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unsure of how anyone was able to access my credit file without my knowledge. There are several items reporting that does not belong to me. These is are reporting as a result of identity theft. Please assist me in getting these items removed from my credit file Incorrect Name Reporting : XXXX ( I don't write name altogether ) ; XXXX XXXX XXXX Incorrect Addresses : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, Judgemntcollection XXXX XXXX that is reporting on Equifax only.
Product: Debt collection

Jefferson Capital Online services XXXX XXXX These third party companies can not validate there information and I never gave written permission to these companies. Under the 605B credit act they should be removed from my file. I have tried to dispute directly with experien and XXXX. These collection agencies use scare tactics over the phone as well.
Product: Credit reporting or other personal consumer reports

Inquiries attached on my credit report is not accurate I didn't initiated any inquiries such as those. I am requesting you to make a thorough investigation regarding this.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX, GAXXXX ; XXXX XXXX XXXX XXXX, NJXXXX ; XXXX XXXX XXXX , NJXXXX ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to submit this formal complaint to the CFPB regarding the fraudulent account that appeared on my credit report. To my dismay, upon reviewing my credit report, I discovered an account that I did not authorize or open, which is a clear case of identity theft. I demand that you block the reporting of any information on my credit file that resulted from this fraudulent activity. The account in question is under the name of XXXX XXXXXXXX XXXX, with a date of opening on XX/XX/2017, and a balance of {$20000.00}. Let me make it abundantly clear that I did not open this account or permit anyone else to do so on my behalf. It is imperative that this account be removed from my credit report as soon as possible.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding zelles handiling of disputes particularly in light of the recent cfpb lawduit highlighting significant issues with the platiform. 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 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: Mortgage

A few years ago I had used a organization called XXXX to obtain a affordable mortgage. I was able to have success using this process as I was able to close on our property in XX/XX/2018. The service provider that provided the mortgage through XXXX was Bank of America. The issue I have is that I used the HAND  process through XXXX to perform renovations on our property. During this process the XXXX Hand Department was very difficult to deal with. This issue I have is that I did not use all of the funds that was allocated yet I am still paying a mortgage on the full amount of the renovation loan. The total amount of this loan that I suspect is still in escrow somewhere is around is between $ XXXX {$15000.00}. I am unsure of the exact amount. If possible I would like to have the balance of these funds returned back to me.
Product: Payday loan, title loan, or personal loan

In XXXX of 2021 I receive a personal loan to consolidate my debt with XXXX. One of the debts that was supposed to be paid off was Lending Club in the amount of {$6000.00}. On XX/XX/2021 XXXX  mailed out the check and on XX/XX/2021 Lending Club cash the check from XXXX  and did not apply the payment to my loan. In XXXX, I contacted Lending Club multiple times and they initially denied receiving a check from XXXX. XXXX  provided me with a check number along with notice of a truth and lending disclosure statement and that was when Lending Club admitted to receiving the check for {$6000.00} and cashed it but did not apply it to my account. On XX/XX/2021 Lending Club claimed to have mailed out a check in the amount of {$6000.00} back to XXXX. As of the date of this letter, XXXX has not received the returned check. After contacting Lending Club numerous times over the course of five months, I am continuously being told that my case has been escalated to the treasury department. I continued to ask and was not given any contact information for someone in treasury department or any other department that could assist me with rectifying the error. 

I remained faithful to my debt to Lending Club until I sought the advice of counsel who advised me to stop paying Lending Club and to file a claim against Lending Club. On XX/XX/2021 I contact my financial institution and stopped all payments to Lending Club. I currently owe Lending Club {$5800.00}. 

My goal was to consolidate my debt now I am paying double and no one will help me get back the {$6000.00} from Lending Club. 

I further would like to add that the company needs to assess its internal controls or lack thereof. It is hard to believe that the companys bank records would not reflect a missing {$6000.00} transaction for over five months and provide timely corrective actions. I hope this is not a normal business practice and other consumers are not having the same experience. 

Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I advised the credit agencies that my personal information should be reviewed & corrected. 

15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX XXXX. My Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Fl XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 

My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 

I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 

Delete all information in the employer section. 

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.
Product: Credit card

I have three unauthorized charges on my Navy Federal XXXX XXXX card that I didnt authorize and I submitted a dispute with Navy Federal and they initially reverse back the charges and now are denying my disputes to credit back my card. The three charges was charged at different times and I was credit back for the XXXX charge in XXXX and they came back six months later and credit it back to my card on XX/XX/2023 when charged me back for XXXX XXXX XXXX. I do not have an account with XXXX XXXX and I didnt authorize these transactions. 

XXXX XXXX {$2500.00} XX/XX/2023 XXXX XXXX XXXXXXXX {$2700.00} XX/XX/2023 XXXX. XXXX XXXX XXXX {$930.00} XX/XX/2023XX/XX/2023