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

I have a XXXX credit card. My account was used without my authorization, resulting in a balance owed. Prior to the unauthorized use, my account had a {$0.00} balance. The fraudulent use caused a balance to be owed. However, I was not aware the account was used without my authorization before it went more than XXXX days past due. A XXXX day late payment was reported on my credit report in XXXX, XXXX. 

Upon resolution of the fraud claim, I disputed this account with Experian, XXXX and XXXX XXXX. XXXX reported the XXXX day late payment as accurate and kept the late payment on my credit report.
Product: Credit reporting or other personal consumer reports

i am not reliable for these accounts i don't sign a written contract with XXXX XXXX XXXX or XXXX XXXX XXXX and they dint provide me with the contract please stop them from report this to my report
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed that " hard inquiries '' on my 3 credit reports from XXXX, Equifax and XXXX  would be removed this month, XX/XX/2021 but none of the credit reporting agencies have updated me or provided a report to me displaying this removal WHICH IS HARMING MY CREDIT SCORE!
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block this account as they are fraudulent & were opened without my consent or knowledge XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened XXXX. XXXXXXXX XXXX XXXXXXXX : {$0.00}
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 my usage of Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering my 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 exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Checking or savings account

I opened a Citi Accelerate Savings and was supposed to receive a {$150.00} bonus after opening the account after meeting certain criteria ( duration, amount, etc. ). The money bonus money was never received. After requesting the bonus money to be added to my account Citi said they had no record of that program and I had to Fax the information over so their back office could verify the bonus program. I faxed the information to Citi and after 8 plus phone calls have still not received the bonus. They have requested I fax the information again. Also during my customer service calls, two representatives said everything was approved and my money should be in my account within 24-72 hrs. I waited and never received the bonus funds. My only action is to fax the information again because after many inquires, they said they do not have an email address where I could send the necessary documents. I am concerned that many other consumers are not receiving their bonus cash for accounts they have set up with Citi.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau stated my account was properly investigated, unfortunately that is inaccurate. Many inconsistencies regarding matching data information. They also violated my rights. 15 USC 1681 section 602 A. States that I have the right to privacy.

15 USC 1681 604 A section 2 States that a consumer reporting agency can not furnish a account without my written instructions
Product: Checking or savings account

This is what I've sent to South State- I know that these fees are excessive and posted in an order to assure that they are able to charge as many fees as possible. Hello, since the beginning of 2022 I have been charged {$1900.00} in overdraft fees, {$680.00} just since XXXX of 2022. I am writing this because I am trying to regain control of my budget, and that has become impossible due to the amount of overdraft fees I have accrued in my account. These are uncertain and trying times for all of us and I wish to urge you to reconsider these fees. It is such a high amount and myself and my spouse have held account both separate and joint with Southstate for quite some time, we remain loyal and recommend others to join your bank as well. I know this is a large chunk of the revenue that this bank collects- however I do humbly ask that you please refund these charges. " Overdraft fees are largely incurred by only a small number of financially vulnerable consumers : Just XXXX percent of account holders pay XXXX percent of overdraft and NSF fees.Because overdraft fees are flat and fixedthey are the same whether an account is overdrawn by {$10.00} or $ XXXX card overdrafts bear the most disproportionate penalty because they tend to be the smallest transactions '' The bank responded to speak to my local branch, to which I already have- and they were no help. I have regular deposits to this account.In addition to this several of these fees were charged due to erroneously bank drafts. I spoke with a bank rep over the phone who reported that the amount of fees were " excessive ''
Product: Credit reporting, credit repair services, or other personal consumer reports

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, Experian, XXXX XXXX reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX  XX/XX/2021 NEGATIVE ACCOUNTS : 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 an account without my written instructions.
Product: Debt collection

An entry on my credit report shows a collection account from Credit Systems Intl for their client XXXX XXXX XXXX XXXX Texas regarding a bill of {$360.00} that was supposedly from 2017. Any billing as such should have been paid by my insurance if they even billed it. I sent a dispute at least 2 months and ever received a response at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

The FCRA states that all information reported on a credit report must be 100 % accurate or it must be deleted from the credit report. I sent letters to all bureaus to regarding XXXX ( Original Creditor : 01 XXXX XXXX XXXX XXXX ) .I asked to update, fix or delete this account because of the inaccurate information they are reporting on my credit report. They said it was verified and nothing was done to my report. Account is listed as collection / charge-off. It's showing a balance of {$1400.00}, per the FCRA this is a violation, balance should be XXXX.
Product: Credit reporting

I have asked Transunion 10 times to please send me the original creditors documents on file to verify that this information is mine and is correct but they have fail to do so the law states if the reporting agencies can not verify this info it must be deleted I have also asked when they verify the accounts please send me the name of whom ever they they spoke with about the issues the federal law clearly states I have the right to ask for the info
Product: Debt collection

XXXX XXXX sent a closed account to my credit report knocking my credit score down in XXXX and sent to Sequium fraudulent collection agency. Although, I have a letter from the XXXX company showing it was closed since XX/XX/2020 and no balance owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX SSN : XXXX To XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Az XXXX To whom this my concern : I`m addressing both your office as the creditor and the credit agency company. I strongly believe that you have violated the FCRA and are in non-complaint with you have reported. 

Here are three reasons why I`m sending this. 

Namely, you first affiliated this account with an individual `s name who previously had been placed on my report in error, making you consistently reporting the erroneous item a clear violation of law. 

Second, the item in question can not be authenticated to be certified under testimony to be true and accurate. 

Lastly, you Per viewing my credit report, I notice an account from your company with account # XXXX is reporting twice to my TransUnion credit report. Please be aware, XXXX and XXXX have already deleted this account as it was in violation. You are in violation because your are reporting the same account twice with different account balance, which are XXXX and XXXX, which make this account in violation. You can not report an account that you have no legal right to collect because, I do not have a verbal or original written contact bearing my signature with your company, which giving you the right to collect. I have enclosed a snapshot of my credit report showing the reporting. 

Delete per violation, cause you have no legal right to collect because you do not have original contract on file bearing my signature, giving you the right to collect an debt and please do not reply with copies of credit card statements, debt settlement letters, or copies of papers from third party carrier or original creditor, as this do not validate the right for you to collect, as this will not hold up in court. 

Again, I do not have a written, or verbal contract agreement with your company. I did not sign a contact with your company to collect a debt. 

Based on US contact law, I should only pay the original company and do not have to pay the collection agency. 

By law you must delete this inaccurate account from my credit reports because you have no legal right to collect. Please note, I will seek legal action for defamation, which is hurting my financial situation and causing me pain and suffering, this reporting as cause me to be denied of funding. For your records and proof, I have enclosed a copy of the credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION is INACCURATELY reporting a CHAPTER XXXX BANKRUPTCY ( PUBLIC RECORD ) on my credit report. Certified letters were mailed out over the course of last year, XX/XX/XXXX. These letters all included : name, social security #, address, Date of Birth, disputed data was identified on a copy of my credit report, a chronicle detailing why the info is inaccurate, and I requested the information removed, and for Transunion to investigate the dispute and furnish documentation of how this record is correct if they continue/d to report it, because it is not accurate. I have been trying to get this error removed from my file for over a year now and now its already XX/XX/XXXX. Notice has been given to Transunion on plenty of occasions. No response has been provided, to date. Transunion has failed to satisfy their investigation requirements, in defiance of Federal & State laws. I am disputing this records accuracy. Transunions actions are negligently non-compliant and willfully breaching their FCRA duties ( for example, their duty to update the accuracy of information being reported ). -- ->SOME OF THE PERSONAL INFORMATION and the DATE OF THIS RECORD IS INACCURATE.< -- - Public Records on XXXXredit Reports , as of new XX/XX/XXXX governance state : these records MUST include AND match that same individuals name, address, Social Security # or date of birth, or else the data/record must be removed. This bankruptcy record being reported by Transunion is inaccurate and needs to be deleted, ASAP.
Product: Mortgage

In XXXX XXXX, my ex and I purchased a home via a mortgage through XXXX. My mortgage loan was eventually sold to OCWEN. My ex and I decided to separate in XXXX XXXX. I moved out of the house in XXXX XXXX. I stopped paying the mortgage in XXXX XXXX. My ex stopped paying the mortgage in XXXX XXXX. In XXXX XXXX my ex was employed and decided he wanted to refinance the house to take my name off the mortgage. To help this process, with the advice of my lawyer, I filed a quit claim deed to the property and no longer have any claim to the house. OCWEN did not approve the refinance. As the joint debt is the only hurdle that is in the way of finalizing our divorce, in XXXX XXXX, he decided to file for a deed in lieu of foreclosure. He was told this should take about 90 days maximum. My lawyer told me the same. It has been two years now since the deed in lieu process was started and OCWEN has made it obvious that they have no plans to settle this matter. My ex and I have called them separately hundreds of times in the past two years. My lawyer has called them several times. Every time they speak to us, they have a new excuse as to why the file is being held up ( examples : the VA has to approve, OCWEN has another walkthrough planned, there is a tax lien two years after the last party vacated the property, and many more excuses ). Recently, through a web search for the county property records, I found out that OCWEN has had ownership of the property in question since XXXX XXXX, XXXX. It seems as if the house has been foreclosed on already, yet they will not process the deed in lieu or offer any other way for us to get this problem settled for a home that neither of us have any claim to. Please help!
Product: Credit reporting or other personal consumer reports

Hello, I am contacting you in hopes to successfully dispute an account since I have already reached out to the collection agency on XX/XX/2023. I mailed them a letter requesting validation of the collection. They responded by mailing a letter telling me that the collection was verified without any documents with my signature or any other further evidence. However, I need to have this removed because it violates the Fair Debt Collection Practices Act by using misleading representations and unfair and deceptive practices in the attempted collection of a debt.
Product: Student loan

My federal student loans transferred from XXXX to Mohela Dept. of Ed. I never had any issues with XXXX. However, when my loans were transferred to Mohela Dept. of Ed., my monthly student loan payment skyrocketed from approximately {$200.00} to {$1300.00} with no explanation even though it was not time for me to recertify my income. I contacted Mohela and they could not provide me with an explanation as to why but they mentioned that my income driven repayment plan was not transferred to Mohela. They placed me on an administrative forbearance in which I did not have to make payments for two months for them to attempt to find out the issue. The issue has still not been resolved despite me having resubmitted recertification documents.
Product: Vehicle loan or lease

On XX/XX/XXXX my wife and I leased a new XXXX XXXX from XXXX XXXX, XXXX, XXXX. As part of the negotiating process, we were going to be returning a XXXX XXXX XXXX, which was a lease through XXXX XXXX as well as a XXXX XXXX that was leased through a credit union. 

I was assured throughout the process that I would be turning in the two Jeeps and that would be the end of my commitment on those two vehicles and that my new commitment would only be with the XXXX XXXX. I agreed to an " Out the door '' payment of {$2500.00}. That would include a " down payment '' and the first months ' payment on the XXXX XXXX. I signed the papers and we left. I received a check from XXXX for {$1400.00} on XX/XX/XXXX for the remaining payments. 

I reached out to XXXX XXXX in regards to my latest statement as it showed a past due balance today, XX/XX/XXXX. She advised me that its normal as the system needs to " catch up '' however, she advised that I should receive a final bill in the mail including the remaining payments and the disposition fee. I told her that I wasn't aware that there was a disposition fee associated with it as I leased another XXXX vehicle, to which she advised that since I had not leased the vehicle through XXXX, that there would be no credit of the disposition fee. 

I reached out to my salesman who advised that they are not responsible for this fee. I spoke with this person the entire time and at no point in time was I advised that I would need to go back to XXXX to avoid this disposition fee. I was advised that they would be taking back my vehicles. Had I known this would be the case, I would not have agreed to the deal as it was given to me as this is an additional cost to me.
Product: Mortgage

On XXXX XXXX I received in the mail by package the mortgage application from the Wells Fargo Bank in Minnesota. Settlement and processing are to be made known to me but never were for three months after I called the consultant XXXX XXXX about the status of my application for the mortgage loan a VA Mortgage originally applied for then the paperwork stated a VA/HUD addendum and confusion exists now. What caused that and a form from the VA was resorted to unknown to me and not informed about forms as that leading me to believe I would have the mortgage loan soon. After calling in months I was informed of being declined because of a FICO score not giving me options a lie arose somewhere in the bank. Unfair and discrimination against me! I want to sue the Wells Fargo Bank for {>= $1,000,000} for the abuse and my rights violated as a Veteran and XXXX too. And homeless.
Product: Mortgage

I have been trying to download PDF payoff and statement data. When I click on download statement a new tab opens but no document is downloaded.
Product: Debt collection

Portfolio Recovery Associates opened an account on XX/XX/2023, for {$280.00} and another on XX/XX/2023, for {$480.00}, both of which I have no knowledge of. These accounts have been reported on my credit file without my authorization, constituting a violation of 15 U.S. Code 1692a under the Fair Debt Collection Practices Act ( FDCPA ).
Product: Debt collection

I filed a complaint with cfpb about Allys action. The next step as retaliation from Ally was to still attack my credit score.This company has been paid in full Im not sure why Im still having issues with this company Please help me remove this company off my credit report please this is a complete nightmare. Please help me! My credit score is being lowered for no reason.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told/informed Experian, XXXX XXXX XXXX to reinvestigate and or remove these accounts : EXPERIANXXXX 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 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  In addition to, the Credit Agencies stated everything was complete, accurate, and all the fraudulent items will be removed and or blocked in the 4 business days allowed with the law & in accordance to Consumer Law ( FCRA ) 15 U.S.C 605B & 15 U.S.C 1681 ; But the open date, date of last activity and much more is incorrect & fraudulent with these accounts on my Credit Profile. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

In conclusion, I would like to use the following Consumer Laws ( FCRA ) to my benefit in regards to my situation of Identity Theft and fraudulent, inaccurate & unauthorized items on my Credit Profile. The selected laws are as follows : 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 ], 15 U.S.C 1692c, 15 U.S.C 1601, 15 U.S.C 605B, 15 U.S.C 1681a-2, & 15 U.S.C 1681n, 15 U.S.C 1602p, 15 U.S.C 1681, 15 U.S.C 1601.
Product: Credit card or prepaid card

I have tried endlessly to report this fraud to Kohls and they dont do anything. They state they will file fraud reports and then just tell me its not fraud. I have not made purchases on this account and they closed my account and they are reporting it as delinquent and adding late fees and now they are saying there are two accounts. The Fraud Department wont speak with me and no one helps get this resolved as what it truly is FRAUDULENT CHARGES. They are now charging past due balances. 

I dont have any documents to provide and I am at a loss on this and so frustrated. They transfer me multiple times and they are reporting me delinquent on an account that I did not make purchases on. I finally got this much from them on one call and when I questioned things I was then put on hold and hung up on. 

Account Balance : {$300.00} XXXX : {$120.00} XX/XX/XXXX : {$46.00} Purchase : {$80.00} Late Fees I was transferred at least five times every time I call them. And then they just put me on hold and then hang up. 


Please help me anyway you can just want this balance to XXXX and never deal with them ever again.
Product: Debt collection

On XXXX/XXXX/2017 I received a called from I received a call from XXXX from Halstead, he called back to back three times, when I answered the he asked to speak to XXXX, I responded this she, he identified himself, Then he proceeded to as for my ss # and I said I 'm not going to verified anything with he then asked for my birthday, I repeated my self, he continue to asked for my address I refused. He became very upset with and his whole attitude change. I told him you do n't talk any kind of way. He snapped you have a great afternoon, I 've just got out of the hostipal and not supposed to be under any XXXX. 
My husband grab the phone he hung up this is the second they called and got smart. My husband explained to them that I have a XXXX and their respond was somebody have to pay the bill. If we had the money the bill would be paid nobody like to be harrass
Product: Credit reporting

credit report agency is not reporting positive credit that i have had since XXXX from dollar bank also i have been to XXXX XXXX and XXXX banks and no one can see or obtain a credit score what was mailed to me from transunion was a fair score but inaccurate it should be slightly higher if positive credit was being reported then in return i could refinance my home and purchase a new car in that order.