23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

An author that I follow & trust on XXXX named XXXX XXXX started posting information about her bitcoin investments with this woman named XXXX & highly recommended her. I began messaging on XXXX with whom I thought was XXXX XXXX on XX/XX/22 about bitcoin investing. I made a {$1500.00} XXXX into the account she had me create in the Gemini App & then transferred the funds to an account she had me create at XXXX. On XX/XX/22 I was contacted through my email account XXXX & was contacted by XXXX through XXXX. They said to be able to withdraw my investment I would need to upgrade my account, which would require a payment of {$2000.00}. I made another XXXX for {$2000.00}. Then I was messaging with XXXX on XXXX & she had me check my investment at my account at XXXX. It stated that I had a profit of {$35000.00}. She recommended withdrawing {$300000.00} & keeping {$5000.00} in the account to continue investing. She told me to email XXXX & request the withdrawal. After I did so I received an email from the support team at XXXX stating that I would need to pay the 10 % commission prior to them depositing my profit into my bank account. This time XXXX recommended wiring the money ( {$3000.00} ) to the Gemini App., which would make my withdraw/deposit faster. I did so on XX/XX/22 & then was emailed by the support team of XXXX again stating that the IRS had frozen all funds & that they wouldn't be able to deposit my funds until I wired them another {$3000.00}. This is when I realized I had been scammed : (
Product: Credit reporting or other personal consumer reports

Experian failed to give me the info showing they verified the method they used to show that XXXX is a legit account. Its reporting negatively on my credit. I sent the letter off in XX/XX/XXXX XXXX its XX/XX/XXXX and I havent received anything. According to the laws and regs or reporting it should be deleted!
Product: Credit card

I have banked with Suntrust for almost 20 years now. I have never been a fan of their customer service but there financial products are some of the lowest cost I have found. 

I recently visited my local branch customer service person to request information about rates and terms on a cash-out home mortgage. I was required to provide my wife and my personal and financial information to obtain rates for their refinance product. In the process the person I was working with made reference to a CC promotion they were offering. I stated it sounded good but wanted to focus on the refinance inquiry. 

Long story short : The bank issued a CC to both my wife and I. Each credit card with a XXXX credit limit. I signed nothing, I asked for nothing and they issued it anyway!!! 

My wife and I have outstanding credit ( XXXX ) and debt to income ratio. We are debt free besides our home and the mortgage on an investment property we recently purchased. We are currently exploring purchasing an additional investment property. 

Suntrust has increased my available credit by XXXX without being asked to do so, and with no verbal or written request. Nothing was signed or filled out by my hand or my wifes!! HOW IS THIS LEGAL????? To make matters worse the cards issued were not even as described. The rates and terms were not as described by the banker. 

I went back to the branch and visited the manager who stated he would cancel the cards and have the activity expunged form my credit report. I do not feel comfortable asking Suntrust to act in my best interest and protect my Credit score. 

Do I have other recourse? The transaction was dirty and I feel at the mercy of a mega-bank who can act without consequences. Am I XXXX?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting to re-investigate all accounts which I listed on Identity Theft. All accounts are not belong to me or transactions made by me. Somebody open all accounts instead of me and used personal information. Please remove negative information from my credit report because you do not have enough proofs that it was me.
Product: Credit card

The account ending in XXXX has been closed for about a year and the balance has been paid in full since XX/XX/year>. I am still being charged interest and I received a negative 30 day late payment in XX/XX/year> for this account. I havent received any notification for this payment on the account.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX - XXXX - XX/XX/year> - {$3000.00} INQUIRIES : XXXXXXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a new car on XX/XX/22 ; the car dealership 's finance department apply for multiple loans with out my consent. I specifically asked them to only use XXXX XXXX XXXX. I did not authorize XXXX XXXX XXXX, XXXX XXXX, or XXXX XXXX to pull my credit. 

There are multiple inquiries on my report that I do not recognize XXXX XXXX, XXXX XXXX, and XXXX.
Product: Credit reporting or other personal consumer reports

I am filing a formal dispute regarding multiple violations of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I demand immediate correction and removal of the following inaccurate and unverified information from my credit report : XXXX. Invalid and Unverified Debt ( FDCPA Violations ) Under XXXX XXXXXXXX XXXX  XXXX, I am disputing the listed accounts as they have not been properly validated under the FDCPA. Your failure to provide legal validation means you can not report or collect on these accounts, and they must be removed immediately. 

XXXX. Incorrect Late Payment Remarks ( FCRA Violations ) Under XXXX XXXX XXXX  XXXX ( a ) ( XXXX ) and XXXX XXXXXXXX XXXX XXXXXXXX, I am disputing inaccurate late payment remarks on the following accounts. These accounts were paid on time, and the false reporting of late payments is a violation of FCRA and TILA. I demand that these remarks be removed immediately to ensure the accuracy of my credit file. 


Additionally, I have already filed a formal complaint with the Federal Trade Commission ( FTC ) under Reference Number : XXXX regarding these violations. If this matter is not resolved promptly, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action to protect my rights. 

I expect a written response and correction within the legally required timeframe. Failure to comply may result in additional legal consequences.
Product: Credit reporting

1 ) XXXX XXXX services is claiming that I had an collection account with XXXX. I have never had an account with this company!!! I disputed this issue and the just sent me a credit card statement, That did not prove any of the circumstances of the supposed investigation they were required to preform. 2 ) The other issue is is that this account is being updated monthly and reported as open although it date of delinquency is about 5 years ago. By them re-aging this account it prevents the 7 year window from beginning. Please help
Product: Credit reporting or other personal consumer reports

Hello, When I recently looked at my PERSONAL CREDIT REPORT it shows a BUSINESS CREDIT card on it, It also shows 60 Days past Due. 
I did not authorize the creditor to put any BUSINESS CREDIT card on my PERSONAL CREDIT REPORT, I was never late on any BUSINESS CREDIT CARDS as well. THE CARD and the late payments needs to be removed IMMEDIATELY The account is JPMCB CARD SERVICES
Product: Credit card or prepaid card

XX/XX/2020 i told social security i wanted to get my benefits on the directexpress card they signed me up from the office now directexpress say they sent it out XX/XX/2020 Its now XX/XX/2020 still no card i been calling the XXXX number for a weeks now back to back all day long i need my money for me & my lil XXXX lose our home and be on the streets my email address is XXXX XXXX
Product: Debt collection

I never have a account with XXXX XXXX I call them I do t have a account but they want me to pay {$220.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter last XX/XX/XXXX to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX Balance : - XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Date Filed/Reported : XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX section XXXX A. XXXX 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 15 U.S.C 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 seven 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.

reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Product: Debt collection

this acct is showing up on my credit report when it is not mine and yet it has not been removed i have faxed copies of my information police report / id theft affidavit and identification in this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

My issues are with the below parties. I have reached out to them over five times to express this is incorrect. All bureaus are showing a collection from XXXX XXXX XXXX which is incorrect and should be removed. Please assist. 

XXXX. XXXX XXXX. Equifax XXXX. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXXT XXXX XXXX XXXX, TX XXXX XXXX XXXXT XXXX Balance - XXXX XXXX XXXX Balance {$50.00} ; XXXX XXXX XXXX Balance {$330.00} ; XXXX XXXX XXXX XXXX : {$22000.00} XXXX XXXX XXXX XXXX XXXX : {$8600.00} XXXX XXXX - XXXX & XXXX XXXX XXXX : {$50.00} ; XXXX, XXXX ( Original Creditor Name : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX ( Original Creditor Name : XXXX XXXX XXXX  ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance {$340.00}
Product: Debt collection

Bank of America at XXXX XXXX XXXX XXXX, XXXX, NC XXXX has been sending me collection notices in the amount of {$350.00} of collection has been past due. I have expressed to them multiple times that the overdraft was fraud and some stoped my card. Also my Id and social as well.
Product: Checking or savings account

I withdrew XXXX dollars from an ATM. I accidentally hit check my account balance prior to withdrawing the money. Only through diligently checking my online account balance did I notice I was charged three ( 3 ) fees for that transaction. {$2.00} ATP fee paid to the ATM company. A {$3.00} fee paid to TD bank for balance inquiry and a {$3.00} fee paid to TD Bank for using a non-TD bank ATM. The balance inquiry fee was given without notice. 

It's bad enough to have to pay my bank to use another ATM to get my own cash that they're making money off of, but to pay a fee to see my balance without that fee being disclosed is ridiculous. I called TD Bank on XX/XX/2018 to question them about this and initially the TD Bank representative told me that the {$3.00} balance inquiry fee was not from TD bank it was a fee paid to the ATM owner. Only after stating that this was not true and the ATM could not charge me fees without disclosure did the representative acknowledge that the {$3.00} dollar ATM fee and the {$3.00} balance inquiry fee were charged by TD Bank. 

The representative did check to see if I could be refunded the {$3.00} but the call was disconnected prior to any resolution. I know a class action lawsuit was filed and won against TD Bank for charging superfluous fees. It seems like they're back at it again. I felt it my duty to bring this to light to prevent TD bank from stealing millions of dollars in fees from their customers. I'm sure that this complaint won't bring about any change but hopefully it's a beginning and I'm sure that I'm not the only one who's filed one against TD Bank for this reason.
Product: Debt collection

I receive calls mutiple times a week on my cellphone. No voicemail is ever left and they call from a blocked number. When I don't answer they then call me at work after I have asked them not to call me at my place of employment. My last contact with XXXX on both my cell phone and at work where again I told them not to call was on XX/XX/2018 at XXXX EST
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a alert about me filing for a credit card from chase I have never asked anything from them and it was a hard inquiry so I want to report as fraud and they are denying it but my credit report gave me phone number to them now it's on all my credit report
Product: Credit reporting or other personal consumer reports

According to my research about FCRA XXXX, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I had a credit card with XXXX XXXX XXXX. I paid it off and closed it in XXXX. The card is still on my account. I want this account to be deleted from my account. I sent disputes to transunion they refused. I asked the company they refused. I want this account deleted from my account. It is paid off. This is harassment. XXXX XXXX XXXXXXXX is doing harassment. I will get the XXXX XXXX if I have to and make it public and ask to be paid damages for harassment. They better take this account off my credit report. It is paid off and it is old. Take it off my account. This is harassment. XXXX XXXX XXXXXXXX XXXX XXXX  XXXX is XXXX XXXX company. 

Thank you! 

Sincerely, XXXX
Product: Credit reporting or other personal consumer reports

Dear transunion XXXXXXXX XXXX XXXX XXXX XXXX XXXX  : I was not late XX/XX/XXXX & XX/XX/XXXX delete this account for false reporting and inaccuracy. 


& if the account late why the payment status shows current when the account late this is false reporting. 

XXXX XXXX XXXXXXXX. No notice of dispute. Delete for violation of FCRA 623 ( a ) ( 3 ). I disputed on XXXX by XX/XX/year> there was no notice of dispute. Delete this account for false reporting
Product: Mortgage

- XXXX XXXX had a fire on XX/XX/2019. 
- My house was saved but experienced some damage. 
- XXXX, my insurance carrier was very prompt, and did a great job. 
- XXXX sent me a check for {$23000.00} for the windows that were melted and damaged. They made Chase Bank, my mortgage holder, a co-payee on that check. 
- Chase endorsed the check, after I applied pressure, the work was completed, and the vendor was paid for the work. 
- My insurance company sent me a check for {$17000.00} for additional work including wrought iron fence. Some of the work, including cleanup, I did on my own, as it is less disruptive than having vendors who always show up late. 
- I held on to the check, until the windows were done, and I took the proof to the Chase office. 
- Chase now wants to deposit the funds in their internal account, and then make me go through a process, everytime someone needs to be reimbursed. 
- This puts on necessary burden on me and my family, especially during these COVID-19 times. 
- I owe only 43 % of the current value of my house to Chase. I have made all my payments with them on time. 
- I do not want my money held in an escrow account. This puts additional burden on me, during a stressful time. 
- There is no reason to do so, given my percentage ownership in my own property, as well as my payment history.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Complaint Against Southern Management Systems To Whom It May Concern, I am filing a formal complaint against XXXX XXXX XXXX, a collection agency, regarding their inaccurate reporting of a collection entry on my credit report associated with my tenancy at XXXX XXXX. 

Details of the complaint are as follows : 1. Inaccurate Reporting : The collection entry inaccurately references a judgment from XXXX XXXX. I, XXXX XXXX, assert that I extended credit pursuant to 15 USC 1602l, initiating the consumer credit transaction as reflected in the lease agreement with XXXX XXXX. I am the creditor in this arrangement, and the reporting of a collection and judgment is both misleading and erroneous. 

2. Violation of Fair Credit Reporting Act ( FCRA ) : Southern Management Systems ' actions may be in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1602l. The inaccuracies in reporting have the potential to harm my creditworthiness and financial reputation. 

3. Lack of Debt Validation : Despite my request for validation of the debt, XXXX XXXX XXXX has not provided sufficient evidence, including proof of the right to collect, documentation of a signed contract, or evidence of the chain of ownership of the debt. 

4. Request for Original Wet-Inked Signature : In the debt validation process, I am explicitly requesting Southern Management Systems to provide the original signed contracts containing my wet-inked signature. This includes any agreements, leases, or contracts related to the alleged debt. 

5. Liability Under 15 USC 1611 : I assert that Southern Management Systems may be liable under 15 USC 1611 for the violation of the FCRA. Any liability arising from inaccurate reporting and FCRA violations may result in legal consequences. 

Definitions : - Credit ( 15 USC 1602 ) : The right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payments.

- Creditor ( 15 USC 1602 ( f ) ) : Any person who regularly extends, renews, or continues credit.

- Consumer ( 15 USC 1602 ( n ) ) : A natural person, as opposed to a legal entity.

I previously sent a dispute letter to Southern Management Systems requesting validation of the debt and correction of the inaccuracies. However, to date, I have not received a satisfactory response. 

I request the Consumer Financial Protection Bureau to conduct a thorough investigation into this matter and take appropriate actions to rectify the inaccurate reporting and potential FCRA violations by Southern Management Systems.

Enclosed with this complaint, please find a copy of the original dispute letter sent to Southern Management Systems. 

Thank you for your diligent attention to this matter. I trust that the Consumer Financial Protection Bureau will ensure a comprehensive and impartial review of this complaint. 

Sincerely, XXXX XXXX
Product: Debt collection

I keep receiving calls from C & M associates phone number XXXX XXXX XXXX. They do not explain to me why they are calling just start trying to verify my social security number and start asking if ____ is my spouse. I do not currently have any owed debt and have bankruptcy in the past.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, since 2020 I have not been able to log into my Equifax account I get the same message please call customer service once I call I get run around and to wait 48 hours in log in then Ive been told the issue was escalated and someone will contact me never received a contact by phone or email or mail the issue is still there they have walked me threw numerous steps and the issue is still there I cant log in to dispute items thats been on this report for 2 years I constantly have to call and ask them why cant I log in and they have me constantly repeating steps that do not work its becoming frustrating and Im not getting any assistance once I call never heard nothing from them until Im calling again about the same problem I have called them since 2020 at-least 50 times reporting this problem and receiving the same steps and answers. The issue is still there I have read on google other people are experiencing the same thing and the same outcome no help. I am not the only one who this is affecting. I hope after this complaint I am able to log in!!!
Product: Student loan

Up until 2 years ago I was never shown an option for IDR. My loans were always in deferment, which was the only option aside from forbearance that was ever offered. So for 8 years I was continually being charged interest. I researched on my own and found the IDR. I applied and obviously was approved. I didn't start working until 3 years ago. So the first 7 years my income was {$0.00}. Now I owe around $ 2k MORE THAN my original loan, 10+years ago.
Product: Money transfer, virtual currency, or money service

I am writing to complain about Zelle and their transactions. was sent a Zelle for over {$1000.00} that apparently was a fraudulent payment. I was fully unaware and assumed the money was mine because I am self employed, instead a few months go by and Zelle retracts the money leaving me with no money in my account. XXXX ended up closing my entire checking account and sending me to collections due to this unauthorized payment. 
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.