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

I have two collection accounts which are unfairly reporting on XXXX, TRANSUNION AND XXXX credit reports.Both collection accounts had previously been addressed with the original creditor at the time of the problem and dispute of the debt with the original creditor. 
The first one XXXX, account number XXXX, is a collection for XXXX, the original creditor.At the time of the problem I contacted XXXX regarding numerous unauthorized charges.It appeared that someone was using my phone without my permission.In contacting XXXX multiple times to resolve the problem, XXXX kept escalating my calls to higher authority but each time finally keeping me on hold indefinitely without answering or addressing the issue.Finally I gave up because it seemed XXXX could n't or would not address the issue. 
The second account XXXX, account number XXXX is a collector for XXXX, the original creditor.I had a situation where my phone bill escalated dramatically with unauthorized charges.In a dispute with XXXX on the phone they could not explain or identify why my bill which had remained constant had now trebled. 
After notice without resolution, XXXX continued the charges and continued billing for them monthly escalating the bill.
Product: Debt collection

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CREDIT COLLECTION SERV. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Mortgage

I am completely dissatisfied with Seterus and CFPB. At XXXX years old why do I need to keep repeating the issue. Let me put this in the best layman terms for both of you organizations. 
I HAVE PAID MY TAXES AND INSURANCE ALWAYS. DURING MY DELINQUENCY SETERUS ALSO ADVANCED TAXES AND INSURANCE. THERE IS DOUBLE PAYMENT FOR THE PAST AT LEAST 2 YEARS IF NOT MORE AND THERE HAS NOT BEEN ANY RESOLUTION. NOW THEY ARE AGAIN THREATENING FORECLOSURE EVEN THOUGH THEY ADMIT NOT SENDING A BILLING STATEMENT UNTIL LATE XX/XX/2018 WHEN APPARENTLY THE LOAN WAS ALREADY 2 PAYMENTS BEHIND. ONCE AGAIN AT XXXX I'M NOT GOING TO REMEMBER EVERYTHING AND SETERUS IS ABSOLUTELY NON-COOPERATIVE. TAXES AND INSURNACE HAVE NEVER BEEN RESEARCHED PROPERLY BY THE SERVICER AS THEY WANT TO JUST MOVE YOU AROUND FROM ONE DEPARTMENT TO ANOTHER. AT XXXX I DESERVE THAT THIS COMPLAINT BE FULLY RESPONDED AND RESEARCHED ABOUT ALL THE DOUBLE PAYMENTS, THAT INCLUDES YOU CFPB AS WELL. WHAT'S YOUR PURPOSE OTHER THAN TO SAY COMPAINT CLOSED BUT NOT EVEN DELIBERATED BY YOU WITH THE SERVICER. I DONT WANT TO GO INTO FORECLOSURE I WANT RESOLUTION!
Product: Debt collection

Hello, Im submitting this complaint to XXXX XXXX XXXX. because this company keeps on calling me. When I finally picked up the phone to see who it was, it was that company XXXX XXXX XXXX. They told me that I owed in a XXXX XXXX credit card from XXXX XXXX XXXX dollars and that account was 2 years old and closed. This account doesnt even show up in my credit report so it doesnt make any sense for them to be calling me to try to scam me. This call happened on XX/XX/2018 when I picked up the phone. The person, s name is XXXX XXXX from XXXX XXXX XXXX. I want them to stop calling me for something that I dont owe. Thank you.
Product: Credit card or prepaid card

USAA Bank Fraud charges denied I travelled to XXXX on the first week of XXXX. I had my bag inside a boat and noticed my card was stolen. While in XXXX I immediately reported my card stolen. This must have been XX/XX/XXXX timeframe. USAA, the credit card company canceled the card, annotated that it was fraud - the charges of {$1300.00} to XXXX XXXX XXXX and {$1400.00} to XXXX XXXX XXXX both on XX/XX/XXXX. There were multiple attempts to charge large amounts as these. 

Two weeks later, a disputes representative from USAA reached out and said the transactions were denied as fraud, he said he had no idea why it just says denied he said, and that I can claim them as disputes. I told the gentleman that it was IN FACT fraud. He filed for dispute anyways. Those were denied and I am still now left to pay for these two fraudulent transactions after my card was stolen. 

My rights have been violated 1 ) because I never received an explanation at all, not by mail or otherwise as to why it was deemed not fraud 2 ) I am constantly unable to reach the Credit Card fraud department. Now, this is a big topic because USAA doesnt have physical locations. Everything is calling or mobile. When you call you get identified by your phone number, and every time I call the system shuts down and says my account can only be serviced when operating hours are open. It says this constantly, doesnt matter the hour. Finally, I was able to find a way around this bug on my account and got constantly sent to wrong departments that handle fraud. No one could direct me to the right department for this. Finally, a representative said that the department that handles fraud doesnt speak to people on the phone so he must submit a ticket to find out why my fraud claim was denied. He repeated multiple times that there is no guarantee that I will receive a call back or response. This is against my right, and I cant find a way to appeal and it is endless games to get ahold of anyone at this bank which is shocking from a seemingly prestigious bank. 3 ) USAA must, in essence, review my claim and at least depict these charges, maybe look for an invoice or such. There is nothing in XXXX that costs this much unless you buy yacht. 


I was notified via text before one of these transactions to approve it, and I will admit I mistakenly said Y then immediately said XXXX No that is not familiar as I made a mistake replying. Because, once I saw the amount again it didnt make sense. I saw that my texts didnt go through which makes sense I was in a foriegn country, but I have a record of my attempts to text No and Fraud. Either way, this is not obligatory of myself being responsible for a fraudulent charge of a stolen credit card. 

I have tried to be thorough and present a good timeline of events. I remember everything clearly. This was fraud and my rights are not supported by USAA, they are impossible, to me, to contact. There is no ticket system, just limited hours and mixed messages from wrong departments all with different answers.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company was trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws. This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section XXXX that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section XXXX XXXX XXXX  ). Ive also never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for this company to stop furnishing false information to the CRAs and also for them to stop contacting me. Ive repeatedly asked for this to be removed through various methods.
Product: Checking or savings account

I sent a letter to Citi bank to activate my account and checked repeatedly if they had done so. The reps I spoke to said they had recieved my information and the department that handles it has not taken any action. They promised to get back to me in 2 days ( 7 days, 10 days ) each time I called and and never followed up. They have acknowledged reciept of my registered letter on XX/XX/year>. I have contacted them by phone at least 4 to 6 times and have sent another letter by USPS and by email. I want to close the account and have the money sent to a different bank but they told me I have to wait until the account is activated. They have disregarded all attempts I have made to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX  Account # 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: Debt collection

XXXX XXXX XXXX is falsely saying I wrote a bad check at a XXXX store # XXXX in XXXX, Georgia on XX/XX/2018 for {$230.00}. I have e-mailed them saying this is NOT me! I live in Nebraska and never even been to Georgia! They sent me a declarations page to sign ( included ) saying I didnt receive any benefits or value from the check. I signed it and sent it back. Now they sent me the same page to sign again and another page requesting my personal info ... ssn #, checking account info etc. Of course they wont be getting my personal info. This isnt an identity theft problem because no moneys have disappeared from my checking account. Instead I believe its a scam but, they wont go away. Ive read of others having the same problem with XXXX  and it always begins with a supposed bad check written to an out of State XXXX. Ive included pictures of 2 letters they sent me and I have more but, if I can fax them to you it would be easier. Thanks. My case ID is XXXX and tracking number is XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX  XXXX XXXX  # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX  # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX has violated my rights. 
15 U.S.C 1681 Section A. States I have the right to privacy.

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 reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX  Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following accounts XXXX XXXX  BALANCED {$8400.00} XXXX XXXX XXXX BALANCED {$460.00} XXXX  XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX BALANCED {$1600.00} XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXX XXXX XXXX {$1600.00}
Product: Credit reporting

This was an economic hardship issue that started in XXXX and finalized in XXXX with a short sale. 
I called XXXX & Equifax and let them know that it is still showing up on my report even though I was told it would only remain for two years by the lender XXXX XXXX. It has now been five years and it is continuing to hurt my credit and ability to gain employment. This must stop, I should not be subjected to this punishment any longer. I, like many was a product of the destructive lending practices and economic down turn created in large by the lending institutions / XXXX XXXX etc, with no punishment for them. So why continue to hurt me?
Product: Mortgage

I am a single mother of XXXX. I work full-time and I'm in school studying to be a XXXX XXXX. I'm hoping to be certified by the end of the year. I am struggling with my mortgage payments. I am 4 months behind and I'm concerned I'm going to lose my home.
Product: Debt collection

Company has called 3 times today. 

XXXX called me, left no message. 

XXXX called me, left no message. 

XXXX called and I answered. Hung up when I said hello. Called them back and they hung up on me.
Product: Debt collection

DNF appeared on my consumer report on XXXX in the amount of {$1400.00}. I have no knowledge of this debt and did not receive an opportunity to validate the debt within five days of it appearing on my consumer file. I sent a letter and received no response from the company asking for validation, signature receipt or anything like that.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles 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 claim adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. 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 scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION FAILED TO INVESTIGATE THE DISPUTED ITEMS WITHIN 30 DAYS. IN ADDITION THEY FAILED TO PROVIED THE INFORMATION ON FILE FOR THE DISPUTED ITEMS PURSUANT TO SECTION 609 of the FAIR CREDIT REPORTING ACT
Product: Checking or savings account

SOFI is a bank Im using over the past couple months. And this week ( XX/XX/22 ), they frozen my account for fraud protection. I tried calling them but they keep telling me that all of their representatives are busy and never answer. I then made a discover credit card payment using SoFi and the payment got sent back because of the account being frozen. All my money is on SoFi and if I dont pay this credit payment, my score will go down. I really need need this issue fixed ASAP.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Inquiries : XXXX XXXX XXXX Date of inquiry : XX/XX/year>XXXX XXXX XXXX Date of inquiry : XX/XX/year>XXXX XXXX XXXX Date of inquiry : XX/XX/year> Late Payment : XXXX XXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX, MD XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, MD XXXX Previous Address XXXX es ) : XXXX XXXX XXXX XXXX XXXX, ND XXXX Also Known As : XXXX, XXXXXXXX XXXX Employers : XXXX XXXX
Product: Money transfer, virtual currency, or money service

I transferred about $ XXXX in crypto and I invested.

A female helped me learned about Crypto and investing in it. 
I met this person on the online dating app XXXX. 
All my profits along with my original investment disappeared from my account. 
All of it is just pure SCAM.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX : XXXX XXXX Account Name : XXXX Account Number : XXXX XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX and list of Inquiries. 

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 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 informa
tion is inaccurate.
Product: Checking or savings account

In XX/XX/2023 I filed disputes for 3 transactions on my Chime account that I did not recognize. I was able to trace the transactions and cancelled the disputes within days of filing them. I DID NOT receive provisional funds when the disputes were filed. Due to the disputes the merchant, XXXX, locked my account. After going back and forth with Chime for months asking them to inform XXXX of the withdrawn disputes, which they refused to do, I had to file a CFPB complaint in order for Chime to honor my request. XXXX has my account still locked and after speaking with their corporate offices they have advised me that this is due to CHIME receiving provisional funds immediately when the disputes were filed and not returning the funds to XXXX when the disputes were withdrawn. I am now going in 3 months of not having access to my XXXX cash account. CHIME support is useless. All contact gets shuffled around from dept to dept and ultimately I am told " we will escalate this, someone will contact you '' and weeks go by without any follow up. When replies do come, they are copy and paste canned responses that do not address the issue what so ever. The responses are not even applicable to the situation. Due to CHIME not returning these provisional funds my account is locked until they are returned, this is affecting my ability to pay bills, get paid, feed my children, etc and affecting my credit score due as well as causing SEVERE financial burden and mental anguish. CHIME support will not even respond to my emails anymore. I have worked closely with XXXX support on this matter however their hands are tied to release the account until CHIME returns the provisional funds they were provided over 3 months ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a dispute since XXXX with XXXX regarding an account wrong in my file from XXXX XXXX, I never opened an account with them. I called them today XX/XX/21 and spoke XXXX XXXX XXXX I think was her name from customer service and I gave her all my personal information and she did not find any account under my name. She recommend me to send a letter to them so they can contact me to open an investigation. I sent the letter today to see if I can resolve this situation that is causing me a lot of problems already with my credit. 

Also, I have the same issue with another account with Comenity Capital/CHLD, not mine and is in my XXXX credit file. I called them today also and spoke with XXXX in the secure accounts area and she said that she only have the account from XXXX which I paid in full in XXXX and it shows closed in their system but XXXX still have it open with normal balance I have at the beginning of {$500.00} something. XXXX then checked the one I saw in my file that I don't know what it is under Comenity Capital/CHLD and she said that there is nothing under this name that I only have the XXXX  which is closed since XXXX. She said that I was in need to talk with XXXX because apparently they added it by mistake to my file. I will not contact them back, I tried today and the rep. told me that their system was down and she could not help me the way I need it but she recommend me to open my disputes here and that would help to resolve my situation. I tried to buy a wash mashine that I need yesterday and it was denied because my score it's so low now that no one is going to give me credit until I fix the 4 accounts XXXX have in my file that are not mine.
Product: Credit reporting or other personal consumer reports

I recently recently reviewed my consumer credit reports and noticed I had fraudulent accounts on my report. Please remove these fraudulent accounts, for they are hurting my ability to obtain credit. Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Chapter XXXX Bankruptcy : Bankruptcy XX/XX/XXXX, Chapter XXXX Bankruptcy : Bankruptcy XX/XX/XXXX Inquiries : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX accounts has resulted in several fraudulent hard inquires and fraudulent collections appearing on my consumer XXXX report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have found several name and addresses on my credit report that do not belong to me. I have recently filed a FTC and XXXX Police Dept Report. My full name is XXXX XXXX XXXX please delete any and all variations of my name THEY ARE NOT ACCURATE. My current and only address is XXXX XXXX XXXX XXXX OH XXXX. I AM A VICTIM ON ID THEFT. THE FOLLOWING ADDRESSES ARE NOT MINE PLEASE DELETE THE FRAUDULENT ADDRESSES : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXXXXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX I have phones numbers that are not mine showing as well please delete this unknown phone numbers ( 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