23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I just received a letter today from my job stating my checks are to be garnished for Ally Financial INC I have never heard of this company. I never received anything in the mail stating what was going on or that it was going to court. I only get about XXXX hours a week at my job and I am barely making ends meet as it is. I have no clue who the company is or what the money is being collected for. The letter is stamped dated for XX/XX/XXXX but my HR Payroll lady just gave me a copy today. The balance they say I owe is {$8100.00} but does not say what the balance is for. It says the date of the judgment was for XX/XX/XXXX. The letter also states that a certified letter was sent to my mother 's address. I have spoken to my mom and she says she will stand in court and swear under oath that a certified letter never came to her address for me. Thank you
Product: Credit reporting or other personal consumer reports

A letter was sent on XXXX XXXX to XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX in order to notify XXXX XXXX that I formally exercise my rights under the Family Educational Rights and Privacy Act ( FERPA ) of 1974, the Privacy Act of 1974, 12 CFR 1016 ( Regulation P ), and 15 U.S.C. 1681 ( Fair Credit Reporting Act ) to opt out of the disclosure and furnishing of my nonpublic personal and educational information, including my transaction history, to nonaffiliated third parties. 

On XX/XX/XXXX I sent letters to the inform Experian XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX XXXX XXXX. All of whom are responsible for signing off on the SEC XXXX form of each of there respective companies and have signed under oath to uphold the integrity of the Securities Exchange act of 1934 have been notified in regards to a formal notice of multiple violations of the Fair Credit Reporting Act ( FCRA ), Family Educational Rights and Privacy Act ( FERPA ) of 1974, the Privacy Act of 1974, and other federal regulations regarding the reporting of certain accounts and inquiries on my credit report. I am yet to see any of the updates be made as per requested.
Product: Credit card or prepaid card

On XX/XX/XXXX I was charged for a late fee. I contacted Nordstrom card services and spoke with following my hospital stay as I was diagnosed with a XXXX XXXX diagnosis. I explained the situation as to why I was late on my FIRST PAYMENT EVER and was told that I wouldn't be reported late. I was assured the issue would be taken care of so i didn't follow up with a credit report until now. I followed that call with a payment once i was out of the hospital Upon checking my credit report I indeed was reported as late. I called and spoke with the credit reporting team at Nordstrom and they would not help, nor look into the concern or issue. I am trying to purchase a home and this is affecting Me because of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've reach out to the creditor XXXX on numerous occasions about a late payment that's on my credit report and nothing was done. Finally they tool it to the XXXX  and immediately XXXX reached back out to me we came to and agreement to resolve this I held my end of the bargain they told me they solve the issue and the negative report will be removed from my credit report. I gave it some time I check my credit it was still there I reach out to XXXX & Transunion they both said XXXX still show late payment. I call XXXX and ask them why is this still there on my credit report they said they changed it on their end so it should have been updated on my credit report, so they said what I should do is file a dispute and this way once the credit bureau reach out to them then they'll have it updated. I just got back my dispute results and they basically now saying they not changing it. I have the emails which I will attach to support my argument and how unfairly I am being treated. I don't know if it's the credit bureau XXXX XXXX TRANSUNION who's refusing to update and remove those late payments from my report or XXXX lied to me but I need this to be fix and removed/ updated immediately!!
Product: Mortgage

Ocwen is reporting a balance still and currently late when the account was paid and done in 2012! It is affecting my financing. It is inaccurate and in violation.
Product: Money transfer, virtual currency, or money service

I sent a international money transfer from my XXXX bank  to my XXXX Bank account and it was promised to be done within minutes. On XX/XX/2022. Once I realized that I did not receive it on XX/XX/2022 I requested a refund which till this day I have not received XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2018 ; XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/2018 ; XXXX XXXX  XXXX Balance : {$1400.00} ; XXXX XXXX XXXX Balance : {$7200.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$1800.00} ; XXXX  XXXX Balance Owed : {$11000.00} ; XXXX  XXXX Balance Owed : {$9600.00} ; XXXX  XXXX Balance Owed XXXX {$16000.00} ;
Product: Credit reporting or other personal consumer reports

I have derogatory judgments on my Transunion credit reporting account that should not be there. Please see the attached notice from Transunion stating that they are no longer permitted to report delinquent child support, judgments, fines, and liens.
Product: Credit reporting or other personal consumer reports

I sent copies of debt validation letters to all XXXX credit reporting agencies that the company did not answer to. The collection account from XXXX XXXX XXXX was never properly validated, to date I have not received anything from them.
Product: Credit reporting

I would like to file complaint against Equifax , XXXX, XXXX on the improper information Serious Delinquency. The oldest account it may back to XX/XX/XXXX. From XX/XX/XXXX to Present, all accounts pay on time. How can it be Serious Delinquency? This is really unacceptable and unfair. This has to be fixed.
Product: Credit reporting or other personal consumer reports

I have contacted Experian on numerous occasions to have an account removed, the account appears to be showing on my credit report more than once. I have not received any feedback from them, I ask that an investigation be launched into this account and be removed. 


Account info Account name XXXX XXXX Account number XXXX Account info Account name XXXX  XXXX  Account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

some violations were made according to the FCRA due to wrongdoing of safety procedures. 


XXXX XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$630.00} XXXX XXXX XXXX XXXX, SCXXXX ( XXXX ) XXXX XXXX XXXX Account number XXXX Date opened XXXX XXXX, XXXX Balance - XXXX XXXX XXXX # XXXX XXXX, XXXX ( XXXX ) XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Account number XXXX Date opened XXXX XXXX, XXXX Balance {$890.00} XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX
Product: Checking or savings account

double practice issue on overdraft protection that the argee went the account open over nine year ago
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX ( XXXX XXXX : XXXX XXXX XXXXXXXX XXXX XXXX  XXXX Balance : {$88.00} XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to urgently notify you that I have become a victim of identity theft, resulting in several fraudulent accounts being added to my credit report. These unauthorized accounts were opened without my knowledge or consent, and I am requesting immediate action to resolve this issue. 

Accounts 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  I have filed an official identity theft report with the Federal Trade Commission ( FTC ) and formally request the removal of these fraudulent accounts to restore the accuracy and integrity of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have errors on my report that we not handled correctly and need to be corrected on my credit report
Product: Debt collection

Please be advised I have submitted numerous disputes to PRA regarding a fraudulent account they are continuously reporting to the credit bureaus. They have violated my rights to dispute the fraudulent account by sending letters to the wrong address knowingly I lived out of the state and then had the audacity to respond to my CFPB complaints stating I didnt take the opportunity to dispute. The latest of their shenanigans is attaching letters in a foreign language so why send letters in a foreign language? You clearly know I speak and read English and its my only language. PRA has been purposely, maliciously attempting to collect a debt that clearly hasnt been validated by any means and in the process has broken many laws in their attempt. 

Please see enclosed my letters in reference to this matter.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in the 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 tracking these transactions was infeasible. 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: Credit reporting, credit repair services, or other personal consumer reports

I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX//2022 with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, there is not excuses of why I am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..
Product: Credit reporting, credit repair services, or other personal consumer reports

Following months have not been reported and my payments were made on time. 
XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX have not been updated.
Product: Checking or savings account

I am complaining about Chase Bank. 

I have had a checking account at the bank ( and its predecessors ) for my small business for many years. 

There was any monthly fee on the account by any bank before or since Chase took over a few years ago. 

About a year ago, Chase changes the account to a different type of account, with no change in service or any other aspect of the account. 

But the big change was that now there is a monthly fee unless a minimum of {$2000.00} balance is maintained. There was apparently no grandfathering the existing account. All accounts-new, old or matured- pay this fee. 

We religiously maintained {$2000.00} balance and still got charged a fee every month. Monthly statements did not provide any calculation or justification for the fee. 

I complained to Bank regulators. Chase refunded a small amount without any explanation. 

After XXXX month, the fee started being charged again every month, even though the balance is over {$2000.00} at all time. 

This effected not only us but millions of other small, struggling businesses nationwide. 
By some estimates, Chase may have over XXXX XXXX small business customers. If the average fee is just {$10.00} per customer. That makes {$100.00} million being sucked by big, bad bank out of the nation 's small businesses without providing any value. 

All the money Chase spends on PR and do-good projects is just a small percentage of this ill-gotten windfall. 

Chase is no different than another big bad bank XXXX XXXX. Chase is just using a different technique to cheat the public. 

I feel Chase should refund all customers all such fees, and further stop charging this fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

This past year I applied and was approved for a mortgage loan XX/XX/2022. After being approved and almost immediately after closing on our new home, I have been inundated with spam phone calls and credit offers. Just yesterday I received 15 spam calls in a less than 3 hour period. It's getting disruptive to my work and distracting in my driving. I'm guessing most likely it was the credit reporting agencies shared and or sold my information after being approved for my mortgage. Sharing my information was never disclosed to me for me to agree to.
Product: Money transfer, virtual currency, or money service

Hello XX/XX/2022, a friend of my moms posted on XXXX they were moving and selling items. XXXX was a XXXX XXXX XXXX. My mom messaged her for price, she responded. We discussed a {$1000.00} deposit to hold it until we saw it and paid the rest. Really thought nothing of it as she is a friend of my moms from her old job. Well sent it to her cousins account as she was taking care if it and almost immediately after sending money I felt this is not a friend of my moms she must of been hacked. Tried to cancel payment as it was done by a zelle account but it already went through. Absolutely amazing how quick they work as I really thought it was someone we knew. Sad part is it was my savings account and I am XXXX so it took awhile to save it. Is there anything we can do to get something back from Zelle or XXXX XXXX XXXX? We are reporting to bank as well. Just so sad. Please advise if anything I can do on my end.
Product: Credit card or prepaid card

The bank of America ( XXXX XXXX rewards ) credit card is no longer provide service, but still charge credit annual fee on XX/XX/2022 for coming year. when I contact bank service om XX/XX/2022, she told me it is non-refundable for no longer service credit.
Product: Credit reporting or other personal consumer reports

Please immediately remove my incorrect name and date of birth. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Checking or savings account

XXXX, Colorado On or XX/XX/XXXX-XX/XX/2018, I made a payment transaction using my ATM card to my XXXX XXXX XXXX XXXX credit card, Two payments were made of  {$4000.00} and {$4500.00}. The next day i look at my chase account i found out there's two large fees transaction chase had charge me, {$120.00} and {$130.00}, these transaction was considering a Cash advance transaction according to Chase bank even thou its not, i have not receive any money nor a check from this transaction and not aware about the fees involve. I've communicated with this matter on both parties chase and credit union, The chase bank refuse to cancel transaction and i ask to dispute the transaction for incorrect transaction but the dispute department would not do it. At first when i reach out with the chase bank support they told me its not a chase fees, the next day i called them again chase admit its a chase fees. The XXXX XXXX XXXX willing to work with me, i even spoken with XXXX XXXX XXXX XXXX branch manager he advice me, the only way you can get the fees granted back to your account if you can get chase cancel or dispute or work with them to refund those fees. Today XX/XX/18 i have called and escalated the issue with chase support but the same result, been point to a different person and made a series of explanation afterwards no result and promise to get a call back from chase manager, till now did not receive a call back
Product: Checking or savings account

I had my account hacked on five different charges from one company, us bank gave me the money back but now are saying that I owe the money because I had to open a new account. They didnt close the old account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 



15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : Account # XXXX Delete this account. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Delete this account. 


15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Delete this account. 


1. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion XX/XX/2019 I got a copy of a updated credit report on XXXX account XXXX you claim that the account was verified as accurate. But however the status update date didn't change prior accounts Like XXXX you committed Fraud I do not trust your company so If you don't mind sending me the time and date that you sent this off via XXXX XXXX system what time and date did XXXX reply to you via XXXX XXXX I need Physical Proof. also I'm exercising my rights under THE FCRA 609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : ( 1 ) All information in the consumers file at the time of the request except that -- ( A ) if the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and PLEASE include a copy of the original contract with my signature attached as you may have committed fraud on this as well!
Product: Debt collection

Never received any notice of the debt, debt was never verified. Was contacted about paying this amount. I agreed to pay if this would be deleted and the associate lied to get me to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX my husband received a phone call from Mr. Cooper mortgage company to see if we were interested in refinancing. My husband said we would not be interested due to the high interest rates. The next day the mortgage broker called again and asked if wed like to proceed and my husband told him that he would consult with his wife. On XXXX I received an alert from XXXX that Mr. Cooper obtained a copy of my XXXX Credit Report. I never spoke to this company to provide an authorization to pull my credit. I am not even an account holder with Mr. Cooper and have no idea how they were able to obtain my social security number. I also have a fraud alert on my credit report that will not allow a company to run my credit without confirming my identity via the provided phone number. No such verification call was ever made to my phone number.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reliable Credit is reporting a charge off on all my credit reports after selling the account to XXXX XXXX agency. 

They are continuing to report inaccurate and false erroneous information to XXXX, XXXX XXXX XXXX. 

Balances that they reported are inaccurate after selling the debt, dates that supposed information they alleged are all different amongst all XXXX Credit bureaus. 

So much inaccurate reporting that is against the law and the guidelines with the FCRA.
Product: Credit reporting or other personal consumer reports

I contacted Transunion about a collection account from XXXX XXXX XXXX being placed on my report. I received nothing from XXXX and did not know why there was a collection account placed on my report. Since I did not have or receive any information from XXXX, Transunion provided me with a contact number. I called XXXX three times and left a message to have someone contact me due to not being able to speak to someone at the time. To this day I have not received any correspondence from XXXX or received a phone call. I called Transunion again and they informed me A dispute would be sent to XXXX and I would receive an update within 30 days. It is not over 60 days since the call to Transunion and the collection is still on my credit report. I have yet to receive any update from Transunion as well as from XXXX. I am asking CFPB to please assist in this matter. I was not provided a change to speak or view the document XXXX had before placing it on my credit report.