23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I did not authorize an inquiry from this particular company, nor have I signed and/or endorsed any contract, application ( s ), etc., that created any inquiries with the listed corporation, agency, and or company .Someone has unlawfully used my name, unambiguous information and endorsements that attempted to established the herein accounts without my, knowledge, authorization, consent and or signature. Possible endorsements were used on commercial applications without my consent, permission and or knowledge. There being no permissible purpose to obtain my Consumer Credit file, I request the unauthorized inquiry into my file be removed from all the Consumer Reporting Agencies immediately and a copy of such deletion mailed to me.
Product: Credit reporting or other personal consumer reports

Was NOT resolved immediately. 
XXXX5 USC 1681b PERMISSIBLE PURPOSE On XX/XX/XXXX I received a determination of dispute. It was a violation. On XX/XX/XXXX I inquired on the Experian website and found the information was still being reported. I am Reporting a violation on my behalf of all reporting agencies on the Experian website. Including Experian. 
I am Stating 15 USC 1681b PERMISSIBLE PURPOSE. I have previously tried to resolve the fraudulent identity theft with all the reporting agencies and the merchants. 
This is a final attempt to resolve. I would like this matter resolved permanently and immediately. 

( FCRA LAWS ) My information was exposed in a data breach. Also, I am Stating 15 USC 1681b PERMISSIBLE PURPOSE. I have previously tried to resolve the fraudulent identity theft with all the reporting agencies and the merchants. 
This is a final attempt to resolve. I would like this matter resolved permanently and immediately. Please notify all reporting agencies and merchants. Restore all maximum credit reporting scores to the maximum score XXXX, XXXX IMMEDIATELY and within 30 days of this notice.
Product: Vehicle loan or lease

I have been paying on this vehicle since XX/XX/XXXX. In XX/XX/XXXX I attempted to pay my XXXX XXXX XXXX car note online and was prohibited from doing so and given an XXXX number to call. I called the XXXX number and was transferred to the collections department. The representative stated that my account was 90 days past due even though I have proof of the past 3 months payments. The representative agreed that she sees my XXXX and XX/XX/XXXX payments but stated I missed XXXX payment. I inquired how could my account be 90 days past due if you have record of a XXXX and XX/XX/XXXX payment. I was told my account has a {$1500.00} balance. I requested an itemized statement of charges. I proceeded to pay my monthly {$460.00} note. In XX/XX/XXXX I was prohibited from making payment and when I called them the representative stated my account was 180 days past due and my vehicle was in repossession as of XX/XX/XXXX then said XX/XX/XXXX. I inquired as to why I have not received any written notification of repossession ; the representative had no knowledge why. The rep stated I owed {$2800.00} to avoid repossession. I again requested an itemized statement to prove their claim, the rep gave me a XXXX XXXX location to send my payment to. I sent a cashier 's check for {$1400.00} for XXXX, XXXX and XX/XX/XXXX payments. I never received the requested documents. A XX/XX/XXXX call to Kia Motor Finance the rep stated my account was charged off and in repossession even though I never received any documentation stating such. The rep stated the {$1400.00} payment went to cover XX/XX/XXXX even though I already paid XX/XX/XXXX. Kia Finance America has erroneous billing practices and has not sent any documentation nor applying payments sent to my account.
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 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. 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 or other personal consumer reports

I insist, without any delay or excuse, that you promptly correct these accounts from my credit report. Your quick and decisive measures to address this issue will be greatly appreciated. I anticipate nothing less than a comprehensive and immediate resolution, leaving no room for further procrastination or oversight. Your immediate and full attention to this pressing matter is not just a request but a requirement. Failure to comply will compel me to take further legal action to safeguard my rights and hold you responsible for the irreparable damage inflicted on my credit standing. I appreciate your immediate and unwavering focus on this matter. Please help me correct these accounts immediately : XXXX XXXX  XXXX Balance : {$5200.00} ; XXXX XXXX  XXXX Balance : {$5700.00}.
Product: Credit reporting or other personal consumer reports

The following items I have tried over and over with these people and I can't get anywhere with the helping me the following items listed on my report I don't know never did are anything but the go by not answering me or removing the following items needs to be removed from my report. 

XXXX XXXX XXXX Account number XXXX fraud accout U.S. Bankruptcy Court Reference number XXXX. Never filed any bankruptcy in my life time inquiries : XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX  Please remove the items and stop them from reporting this is going on long enough now.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 
Item # 1 : I dispute XXXX XXXX XXXX, Reported balance {$270.00}, this account is not mines. This company has not sent me any notification of debt. By FTC Law I have to be notified of debt and given 30 days to dispute. This company has broken law and this account needs to be deleted ASAP.

Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report. 
In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 
Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. 
Thank you for your prompt attention in this matter. 
Respectfully, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX have no other recourse but to file a complaint with the Consumer Financial Protection Bureau pertaining to an illegal collection process against me by XXXX XXXX. I did have a XXXX XXXX account back in XXXX, then I had to file bankruptcy. He XXXX account balance was placed in the bankruptcy petition. Now here we are 11 years later and XXXX has place an account on my credit bureaus that shows a {$390.00} balance on Experian and XXXX XXXX, and a XXXX  balance on XXXX. The truth is, the account is so old that it has longed surpassed the legal timeline for actual reporting with the credit reporting agencies. It has long surpassed and collection remedy if one actually still exist, which it does not. Accordingly, XXXX is abusing my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. XXXX XXXX is also violating its subscriber agreement with all pertinent credit reporting agencies, and the Consumer Financial Protection Bureau should sanction XXXX XXXX for such egregious and illegal collection activities. This account must be deleted permanently and my file information must be purged by XXXX XXXX so that this collection activity will no longer happen to me again. XXXX XXXX XX/XX/XXXX
Product: Debt collection

On XX/XX/XXXX I received a call From my local county that if I was going to be home because I was going to say be served papers and I was like what's going on and I go out I don't know what's going on on my could know that's why I'm asking and they gave me a number to call which is XXXX they said I owed a debit collection from XXXX that they called XXXX XXXX and they were suing me for XXXX I was like what all I remember is I do XXXX XXXX XXXX in XX/XX/XXXX I was going through some things and I was couldn't afford it so he went to collections and all i owe is XXXX. This person 's name Lewis , McDonnell & associates Babe clean to be a law office in my file number is XXXX - TX - XXXX and I gave them a {$150.00} from my prepaid card to find out that when I looked up there address it was a ups store in XXXX XXXX ca and there is no such thing as Lewis, McDonnell hassociates. There is a XXXX XXXX in California because I emailed one of the workers and I sent them the paperwork and that they said that it didn't look right and they've never heard of Lewis McDonnell associates I also went as far as calling my county and I gave them the number and they said that I did need to worry about it because it was a scam and I also called my sheriff 's office and they told me it was a scam because I told him that they I docked me everything because Lewis mcdonnell and associate said that's how they do it. I even called them and asked where are they located in they'd said I do at at there's no need to worry about it because they were a legit company so every time I ask they never told me I also have the email they sent me 2 I doc just in case I need it for proof I want them to be stopped and I looked and I read that people have complainants on many red flags on them I would like them to stop harassing me
Product: Credit card or prepaid card

I purchased a {$50.00} Vanilla Mastercard Gift Card issued by XXXX, XXXX. I was able to check the balance online XXXX time and confirm the balance of {$50.00}. The website now returns " error '' messages every time the card information is entered ... .changing browsers, clearing cache/cookies, disabling ad blocker, trying different devices, etc. does not fix anything. 

The card does not work for purchases, and customer service is unreachable via phone or possibly does not exist at all. I attempted multiple times, and each time was on hold indefinitely. 

At this point, there is NO way to use the card or contact anyone to correct the issue.
Product: Credit card or prepaid card

A withdrawal of {$460.00} dollars was made on my card on XXXX XXXX, 2022. The withdraw was made at a XXXX ATM hours away from where I reside. I called the card company to file a dispute. They investigated and claimed no fraud was committed so I got in contact with them once again and they said to file again and said that I wasnt satisfied with outcome of dispute. They sent out paper work to be filled out and asked for further proof to verify that I did not make this transaction. So I completed the paper work and made a police report to send along with their paper work. The detective from the police department who was in charge of the report called and verified that indeed it was fraud and that it is crazy that they had come up with a conclusion of no fraud detected in the first place. I sent in all the paperwork in and every time I called they say they do have the paperwork and will look into it to call back in 7 days. Then when I do call back another person answers and says that my paperwork wasnt received. Its always a different answer and no one has helped me resolve this issue. They claim they will send a letter regarding the status but never do. I request to talk to a XXXX or someone at a higher position and they never want to transfer my call or get me in touch with anyone else at a higher position. This has been going on since XXXX and I had no answer on my problem or if they will return my money. I am so frustrated, just need help in getting my money back.
Product: Credit card or prepaid card

On XX/XX/XXXX, I learned that my XXXX XXXX XXXX credit card was closed on XX/XX/XXXX, for reasons unknown to me. This prompted me to inquire because I received a text message from XXXX XXXX, informing me that they could not process my payment. XXXX XXXX was on auto pay under the XXXX XXXX credit card. At approximately XXXX am I contacted Synchrony Bank and spoke to a customer service representative who confirmed that my credit card account was closed and that it could not be reopened. The CSR was unable to provide the reason for closure but stated I would receive a letter in the mail within 7 10 days informing me of the reason. I contacted Synchrony Bank several times following my original call-in hopes of speaking to someone that could provide additional information as to why my account was closed. Upon speaking to XXXX, a Synchrony Bank CSR, she informed me that an additional ( 4 ) credit card accounts with Synchrony Bank had also been closed. In addition to the XXXX XXXX XXXX, the following credit cards that were closed included : TJ Maxx, Lowes Advantage, Care Credit, and Ashley Furniture. XXXX also informed me that the letter on file indicated the reason for the account closure was due to Activity on accounts shows high risk of failure to pay. I questioned if this was a generic notification as well as what was this based upon. I further questioned the reason behind the account closure since ALL my accounts with Synchrony Bank were in good standing, statement balances were paid in full each month, my credit limits ranged from XXXX XXXX, to include as of XX/XX/XXXX I received a XXXX credit limit increase on the Lowes Advantage credit card. I am unable to access my credit card accounts online to obtain statements, transaction & payment history due to account closure and my attempt to obtain a resolution remains unsuccessful. With each call, I was redirected to contact the credit bureaus. My response to the CSR was the credit bureau reports what the credit card company ( Synchrony ) reports. I also shared that closing my accounts will negatively impact my credit score which has already decreased by XXXX points, it could also potentially cause negative consequences from my employer since I have a security clearance, as well as it will likely negatively impact my ability to secure credit in the future with other lenders and/or banks. I am also concerned as two of the credit cards, Care Credit and Lowes both have promotion/interest free balance plans. What will happen to the promotion, interest free benefit? Will I be required to pay them in full? Another issue to potentially ruin my credit worthiness. In reviewing my credit report as well as other credit platforms, my payment history reflects 100 % ( positive ).
Product: Credit reporting, credit repair services, or other personal consumer reports

i was incarcerated up until XX/XX/XXXX in which ive filed identity theft reports from whomever may have used my info i did not authorize nor benefit from any of these thingd there are inquiries from 17 and 18 that are not me due to me being incarcerated and this can be proven as far as my whereabouts theres XXXX XXXX XX/XX/XXXX walmart syncbc XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX i even see some recent from XXXX XXXX that i did not do therefore im placing a security freeze due to whomever still having my info a XXXX XXXX XX/XX/XXXX a XXXX XXXX XX/XX/XXXX a XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

On XXXX XXXX is five year date when the XXXX XXXX XXXX that antedates of a paid account can not reported on my credit report. All XXXX XXXX personal confirmed that they can not continue to report a paid charge beyond the first date of delinquency that was XXXX XXXX to XX/XX/XXXX XXXX XXXX  XXXX. I paid the full balance that resulted in a zero balance in accordance to New York State section 380 New York State law ( 380 j ( f ) ( 1 ) ( iv ) 2022 New York LawsGBS - General BusinessArticle 25 - Fair Credit Reporting Act380-J - Prohibited Information. ( iv ) accounts placed for collection or charged to profit and loss which antedate the report by more than seven years ; or accounts placed for collection or charged to profit and loss, which have been paid and which antedate the report by more than five years ;
Product: Prepaid card

In 2023, I have received two Prepaid Mastercards from BlackHawk Network ( BHN ). 

The cards came to my email, XXXX, because I had requested them as virtual Prepaid Mastercards as they are convenient to use online. I am physically XXXX, needing a paid assistant routinely. 

The first card ( {$79.00} from XXXX ) had no issues. The second card ( {$48.00} ), however, has generated errors since XX/XX/2023. The error reads : " Oops. There's an error on our side. Please try again soon. '' ( see attachments ). 

The redemption code for the second card is : XXXX Instead of repairing their error, BHN has made both cards invalid now. 

According to XXXX / XXXX, many people are still seeing the same errors, not just me : XXXX XXXX XXXX XXXX Against my wishes, BHN claims : They had mailed two physical cards on XXXX XXXX XXXX 

To date, I have not received the cards. Had I wanted them as physical cards in the first place, I would have picked the correct delivery system on the original claim form ( see attachments ). 

I declined the slow mail delivery but chose much faster virtual Mastercards. 

BNH also wants me to provide my photo ID and my utility bill because I have not received the cards. 

I am not sure why BNH needs to have my private information and what they will do with the information afterwards. 

If I made any error at all, I would be willing to provide my name, my email address and my physical address only, the same information I had given to XXXX XXXX / XXXX to qualify for the Prepaid Mastercard. 

But, the error is entirely on their side, as the error message reads ( see attachments ), inconveniencing me beyond what was promised by XXXX XXXX XXXX XXXX when I qualified for the Prepaid Mastercard. 

According to XXXX / XXXX, XXXX is charging dormancy fees of {$5.00} per month for many people who can not access their cards due to the error on the BNH server, a double whammy.
Product: Mortgage

Before my loan was sold in XXXX, I made a payment to XXXX  head company where my loan was located. I first split the payments and paid XXXX $ on XX/XX/XXXX, and XXXX XXXX XX/XX/XXXX, and XXXX $ on XX/XX/XXXX. I was then told that my.loan was transferred to the smaller XXXX  branch and I couldn't split my mortgage payments and then paid XXXX $ on XXXX the XXXX, XXXX. 

As of XXXX months later, XXXX full months house payment has never been applied to my account as it makes sure to have accumulated almost XXXX dollars in fees. I have sent receipts of money paid from my account and they still say they are waiting for the funds to be transferred between branches. They keep telling me they are working on it and nothing ever progresses. Now my credit is suffering, dropping almost XXXX points and I have had no resolution on a payment I've already paid and people repeating " we see there is a task open '' without any action for almost a year now. 
Every single day I get a call or email and I have to repeat the same information and nothing is changing while I am the one being punished for a payment I've already made. 
I am now stuck and can't refinance my house. I feel trapped without them reporting my payment and fixing my account. I want them to fix this so I can get away from this company. I feel like they are holding me XXXX and taking my money without caring what this is doing to my life.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Re : Dispute of Inaccurate Information Request for Deletion Dear XXXX XXXX XXXX, I am writing to formally dispute the accuracy of the account listed by XXXX on my credit report. After reviewing the details of my credit file, I have found several discrepancies related to this account, which I believe are inaccurate, incomplete, and misleading. 
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am entitled to dispute information that I believe is incorrect or unverifiable. Specifically, I assert that the following inaccuracies exist : Pursuant to 15 U.S.C. 1681e ( b ), credit reporting agencies are required to ensure that the information they report is accurate and complete. This obligation extends to all furnishers of information, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX, who are bound by the provisions of 15 U.S.C. 1681s-2 to report accurate data.

I am requesting that the information regarding this account be thoroughly investigated and removed from my credit report, as it fails to meet the statutory requirements of accuracy and completeness under the FCRA. Should these companies or your agency fail to resolve this dispute in a timely manner, I will consider seeking remedies, including monetary damages as outlined in 15 U.S.C. 1681n, which provides for damages of up to {$1000.00} per violation, along with attorneys fees and court costs, for willful non-compliance with the FCRA.

As part of my request, I ask that you : Investigate this account under the guidelines of the FCRA.

Delete this account from my credit report if the investigation determines that the account contains inaccurate or incomplete information.

Notify me in writing within 30 days of your findings and actions regarding this dispute, in accordance with the FCRA.

I am entitled to this removal based on the inaccuracies present in this account, and I expect that you will comply with the legal obligations set forth in the FCRA. Please also inform XXXX of this dispute so they may take corrective action to remove any inaccurate information from their records. 
Thank you for your prompt attention to this matter. Please provide written confirmation that this account has been reviewed and either updated or deleted from my credit file as applicable. 
Sincerely,