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

Credit card XXXX offered XXXX % interest rate on balance transfers for XXXX year. 
I did a balance transfer on XX/XX/XXXX in the amount of {$1700.00}. 
I was charged {$52.00} as a fee, making the total {$1800.00} as the total promotional balance that would need to be paid off by XX/XX/XXXX. 

Everything was fine until my XXXX statement in which I was charged a {$2.00} minimum inetrest fee. Every statement I was charged these {$2.00}. I had to e-mail, call, and fight to have these {$2.00} removed every single month beginining XX/XX/XXXX. Their explanation was that I had a remaining balance every month. My remaining balance was that of my promotinal balance. I did always manage to get the {$2.00} credited every month but it was an extreme hassle as they were not honoring the promotion given to me. 
On XXXX, they then charged me {$4.00} in interest. Once again, the only remaining balance that would be left on the account was the promotional balnce. All other purchases made during the billing cycle would be paid in full. I reached out regarding these {$4.00} and I was told that they would investigate and in the meantime I would not be responsible for the {$4.00}. However they went ahead and added that to my promotinal balance. I have now fully paid off the card 3 months ealry because I can not deal with anymore interest or fees being fraudalantly charged ; I am still owed the {$4.00}. They are liars and have made this a horrible experience and I am sure they do this to many of their customers.
Product: Checking or savings account

many fees charged to my wells fargo checking account XXXX to XXXX. My account was frozen by wells fargo as well, then closed!!! I had banked with WF for 37 years!! I was shocked. WF and several customer service reps screwed me up finanancially for years too.
Product: Credit reporting or other personal consumer reports

I noticed unauthorized collections on my credit report that I would like removed. I called and told them that according to the FCRA section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of original signed consumer contract for all the accounts posted to my credit report. They also stated that I didnt have an open account with them and I have not received anything from XXXX XXXX XXXX XXXX validate this account. I understand according to the FCRA, these unverified and unauthorized items must be removed.
Product: Credit reporting or other personal consumer reports

My personal information was exposed in a data breach. These accounts do not belong to me. 

XXXX XXXX XXXX, Bal- {$970.00}, opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Bal- {$410.00}, opened : XX/XX/XXXXXXXX XXXX XXXX XXXX, Bal- {$2900.00}, opened : XX/XX/XXXX XXXX XXXX XXXX - XXXX, XXXX {$710.00}, opened : XX/XX/XXXX XXXX XXXX XXXX - XXXX, Bal- {$470.00}, opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX, Bal- {$0.00}, opened : XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, opened : XXXX XXXX, XXXX XXXX - XXXX, Bal- {$710.00}, opened : XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

My identity have been stolen. I have fraudulent accounts and fraudulent personal information on my credit report.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I XXXX XXXX XXXX XXXX XXXX i discovered someone was using my identity to open fraudulent accounts.
Product: Debt collection

XX/XX/XXXX CAPIO PARTNERS LLC was made aware that accounts that their company held under my social security numbers were a result of identity theft and did not belong to me. Capio verified this account as mine however they do not belong to me. Capio did not send me a letter notifying me that this account was owed and was being reported to the credit agencies. Capio is continuing to report inaccurate information onto my credit file. Not only that how can Capio verify anything medical with a credit agency being that U have never signed HIPPA form authorizing CAPIO PARTNERS to have access to my patient information.
Product: Checking or savings account

I opened an account with US Bank on XX/XX/2022 for the purpose of building my credit and my social security direct deposit too. The account had to be opened with a XXXX dollars. 

About a week later I got XXXX loan from XXXX of XXXX. This check was deposited in to the account. A day or so later I try my card that's been closed. 

I have talk with manager who tells me the check is fraudulent. And will be closing account. I've called this lady many times with no results. 

I've also called US Bank fraud department and they tell me check has. cleared and money is banks personal account. They said manager has to release funds and they can't do anything. 

My loan is paid and never got any money from it. Banks address is XXXX XXXX XXXX XXXX CA XXXX Thank you for your time in this matter XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE TRIED DISPUTING THIS ACCOUNT ON SEVERAL OCCASIONS WITH THE CREDIT BUREAUS AND WITH CAPITAL ONE AUTO FINANCE. I HAVE BEEN A VICTIM OF IDENTITY THEFT THREE TIMES. THIS ACCOUNT IS FRAUDULENT AND WAS OPENED WITHOUT MY AUTHORIZATION. I AM FRUSTRATED AND TIRED OF DISPUTING THIS ACCOUNT BECAUSE IT HAS BEEN HINDERING ME FROM MOVING FORWARD WITH OTHER FINANCIAL OBLIGATIONS. THIS ACCOUNT IS REPORTING NEGATIVELY AND KEEPING MY CREDIT SCORES DOWN.
Product: Credit card

I have been charged nearly 29 % interest when the i should only be paying 6 % as an XXXX XXXX XXXX XXXX in Louisiana.
Product: Debt collection

Creditor. XXXX # XXXX Amount. {$110.00} The XX/XX/2015, XXXX  ruined my lawn. And did damage to shrubs. I cancelled their services. 
I requested that they repair the damage ( burnt lawn, etc. ) and they would not respond. 
I should be bringing a counter suit to collect for the repairs to my lawn. 
I have photos. 
I have tried, repeatedly, to rectify this situation. I just keep getting collection letters from Transworld systems.
Product: Credit reporting or other personal consumer reports

I am writing to dispute unauthorized accounts on my credit report resulting from a data breach. These accounts were not authorized by me, and their reporting violates my rights under the Fair Credit Reporting Act ( FCRA ). The disputed accounts are as follows : XXXX ( Account Number : XXXX ) XXXX  XXXX ( Account Number : XXXX ) XXXX XXXX XXXX ( Account Number : XXXX ) XXXX XXXX  ( Account Number : XXXX ) XXXX ( Account Number : XXXX ) XXXX XXXX XXXX ( Account Number : XXXX ) Issue :

These accounts are unauthorized and were not opened or approved by me. They appear to have resulted from a data breach and contain inaccuracies and unverifiable information. This is statement affirming that these accounts are not related to any transactions I authorized Proof of my identity A copy of my identity theft report Identification of the disputed accounts
Product: Credit reporting or other personal consumer reports

I looked at my report on XX/XX/2023 and noticed some things that are inaccurate and incomplete. I sent a letter to Experian on XX/XX/2023 and asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix anything. THEY ARE BREAKING FEDERAL LAW!!! 
ACCORDING TO : 15 usc 1681 e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 usc 1681 I ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. AND 15 usc 1681 s-2 ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. THIS IS UNFAIR AND ILLEGAL! If theyre doing this to me imagine who else theyre doing this to. They must be blind because everything is inconsistent. Can you fix this ASAP?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have gone to their web site and it says contact equifax by phone. They don't answer the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent out multiple Dispute letters including the dates of XX/XX/2023 and XX/XX/2023. I have sent dispute letters to XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. I have also sent letters to Experian, XXXX, and XXXX. 
These companies are reporting inaccurate information on all three credit bureaus. By law in reference to 15 USC 1681 the information needs to be removed or corrected. This information needs to be reviewed again because this information is inaccurate and should not be verified. This is having a huge impact on me trying to purchase a home. I have attached a FTC report as well as the dispute letters sent out.
Product: Debt collection

On XX/XX/XXXX Ability Recovery Services , LLC opened an account in the amount of {$1800.00}. This was a collections account for educational services. On XX/XX/XXXX Ability Recovery Services closed the first account and opened a second account for the same educational provider. This new account was in the amount of {$1900.00}. On XX/XX/XXXX the second account was closed and a third account was opened by Ability Recovery Services LLC for the same educational provider. The new amount was for {$2000.00}. This is a blatant attempt to re-age the debt. As seen in the attached images, each time the new account is opened the original amount of the debt is also changed, which is incorrect.
Product: Debt collection

The convergent outsourcing/XXXX  XXXX collections that is on my credit report is not supposed to be on my personal credit. 
It was a business account. 
Also the statue of limitation is up ; XXXX charged off my account 1 year before they sent it to collections ; therefore the collection is over 7 years. Yet I still had to pay to get it updated and not even removed. Isnt this illegal? 
Ive disputed this account 4 to 5 times on XXXX and XXXX, before I finally got an update and ITS still on my credit. I am in the middle of a mortgage approval and Im ready to sue for the inconvenience that this is causing. I would like this collection removed ASAP.
Product: Payday loan, title loan, personal loan, or advance loan

Years ago, I took out a loan with SpringLeaf financial ( now known as One Main ) financial and my car was attached to the loan without my knowledge. Springleaf then refinanced my loan and took my car off of the loan. At the time, I owed XXXX... I've been paying $ XXXX for the past few years and my balance is not coming down. I called to see if the payment could be applied to the principal and not the interest and they told me no. 

I recently have been offered a modification to pay $ XXXX and the loan accures interest daily. I need to know how long I will pay on this loan before I pay it off. I think this company has been deceptive in the past and is trying to rush people to get loans by saying everthing is " time-sensative '' sp ... .Please help me!
Product: Debt collection

This complaint is in reference to complaint XXXX, My initial complaint : I just learned on XXXX XXXX that Navient requested and received a hard copy of my credit report. I never authorized this transaction or requested or applied for a loan with this company. Navient continues to act recklessly, carelessly and unethically.

Navients response : The Fair Credit Reporting Act ( FCRA ) permits an existing creditor with an open account to obtain the consumers credit report for review or collection of the account. A collection agency working on behalf of the creditor is also permitted to obtain the consumers credit report. Thus, Navient and Navient XXXX as its service provider are both permitted to obtain your credit report for the purpose of collecting your outstanding debt. 

Your response describes a soft inquiry, I recognize requesting a soft copy for the purpose of collecting a dept is authorized, however Navient falsely reported that I consented to a credit check report which resulted in a hard copy request. This act has negatively impacted my credit and will remain on my credit report for two years. Navient Committed fraud and acted in an unethical manner when Navient conveyed that I provided them with consent in pulling this report. I never provided Navient with This act is illegal.
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.this lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

XXXX XXXX XXXX Was removed from my XXXX report but still remains on my XXXX. They relentlessly call 10 times a day. Its an old debt from XX/XX/2011 reaged to ruin my credit and is therefore violating consumer laws
Product: Student loan

I received multiple account notifications from the Nelnet website on XX/XX/XXXX that I was due to recertify by XX/XX/XXXX. I submitted a recertification application on StudentAid.gov on XX/XX/XXXX which was approved on XX/XX/XXXX. As a result, my payments increased from XXXX XXXX to XXXX XXXX. I received an account notification from Nelnet on XX/XX/XXXX that stated that my iXXXX XXXX ( XXXX ) plan recertification date had been extended as requested by the U.S. Department of Education . It further stated that the soonest a borrower will need to recertify is for borrowers with an XXXX  recertification date in XX/XX/XXXX. The Nelnet team indicated that they received notice of the XXXX recertification extension date from the U.S. Department of Education on XX/XX/XXXX. Therefore, Nelnet was aware that I was not due to recertify until XX/XX/XXXX at the earliest based on the extension. My recertification application should not have been processed on XX/XX/XXXX as I was not yet due to recertify based on the extension date provided by the U.S. Department of Education. 

The StudentAid.gov website states that the deadline to recertify an XXXX plan has been extended to XXXX XXXX, XXXX. It further states that if you had a XX/XX/XXXX recertification date, and you submitted a recertification and your payment went up, that they will revert your payment to its previous monthly amount until the new recertification deadline. I submitted a formal request to Nelnet via email on XX/XX/XXXX to have my monthly payment amount reverted to the original payment amount prior to XX/XX/XXXX. I received a response from Nelnet employee ( XXXX XXXX XXXX XXXX XXXX  ) on XX/XX/XXXX stating that their records indicated that I recertified my XXXX XXXX XXXX  ( XXXX ) Plan prior to my recertification date being extended and that came with a payment increase. The email further stated that they were working on canceling the recertification and extending my prior XXXX plan and that they would apply an administrative forbearance in XX/XX/XXXX. 

However, I called Nelnet on XX/XX/XXXX and spoke with XXXX ( XXXX XXXX XXXX ) and supervisor XXXX ( XXXX XXXX XXXX ) who stated that the information Nelnet provided via email on XX/XX/XXXX was an error and that they would not honor the statements in the email. These practices also do not align with the Department of Education 's website which states that if a borrower recertified and their payment increased then they will return the account to the borrower 's previous monthly payment amount until their new recertification deadline. Nelnet is now unwilling to follow through with the corrections they stated they would make. Therefore, I am filing this complaint. I am requesting that Nelnet honor the corrections they stated they would make to my account via our email correspondence on XX/XX/XXXX. I appreciate your investigation into this matter.
Product: Mortgage

My mortgage payment was due on XX/XX/XXXX. Ocwen has not been willing to do a loan modification on our account. As a result, the payments have been due on the first of the month and I have been making my payments on the XX/XX/XXXX or XX/XX/XXXX of each month. The FCRA says that an account should not be reported delinquent unless you are XXXX calendar days past due. It appears that Ocwen 's logic does not comply with the FCRA requirement in XX/XX/XXXX that only has XXXX days this month. I made my payment on XX/XX/XXXX and they reported me as XXXX days past due ( XX/XX/XXXX would actually be day XXXX )
Product: Credit reporting or other personal consumer reports

In Accordance of the Fair Credit reporting act.The account below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

These Hard Inquiries have Violated my Rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A. States I have the right to privacy And according to 15 USC 1681eb they are supposed to ensure this whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 USC 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 7 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: Credit card

On XXXX, I called XXXX, Amazon Card Customer Support. I stated that 4 returned purchases were supposed to have been credited to my XXXX Visa Amazon account ( that is what I specified in the Return Item process ). I received emails stating that the refund amounts were available in my Amazon Account. 
Refund Amounts and Dates : * {$32.00} Refund Date : XXXX Order # : XXXX Order Date : XXXX * {$26.00} Refund Date : XXXX Order # : XXXX Order Date : XXXX * {$38.00} Refund Date : XXXX Order # : XXXX Order Date : XXXX * {$22.00} Refund Date : XXXX Order # : XXXX Order Date : XXXX The associate at Amazon Card Customer Service could only transfer {$38.00} to my credit card account ( tho I still haven't received an email stating that is the case ). She claimed I had used the other Gift Card amounts in purchases. However, there is still {$61.00} remaining in the Gift Card account. This does not make sense. Nor does it make sense that I specify the refund is to go to my XXXX Visa Amazon Card, and instead it is put into a Gift Card account. At the very least, this is a misleading practice by Amazon/Chase. 
In addition, the purchase amounts of the above items are not recorded in the Chase XXXX Visa Amazon account. This seems like a misleading oversight.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX XXXX XXXX, someone applied for a XXXX XXXX XXXX XXXX under my name. I was notified by my banks and various credit bureaus. I got in contact with XXXX XXXX and they said they would cancel the application and remove it within 60-90 days off my credit report ; I then followed up by contacting the credit bureaus to report the fraud and up the security on my all credit under my name. I then called the Sheriffs department to report the fraud. I am very worried about this because it could get much worse.
Product: Credit reporting or other personal consumer reports

Upon checking my credit report recently, I noticed a collection account appear under the creditor name XXXX XXXX XXXXXXXX for an amount of {$1300.00}. I have never done any business with this company/creditor. I have no idea why this collection is attached to my name. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. 

Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed ( XXXX XXXX XXXX XXXX I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Information is being reported on Equifax credit report that is not mine/no knowledge of account. In fact, this erroneous information was being reporting on a XXXX report and was deleted on or about X/X/17. 

The information is reported as : XXXX XXXX XXXX, amount {$3500.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please CORRECT the accounts in my Credit Report : XXXX XXXX, XXXX  XXXX