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

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now imXX/XX/XXXXn cant provide to my XX/XX/XXXXdaughter PLEASE HELP ME PLEASE
Product: Vehicle loan or lease

I refinanced my car from TD Bank to Capital One. The car title was initially under both my company and myself when it was purchased through TD Bank. A few months after refinancing with Capital One, I was informed that they do not accept refinancing under a company name. I was instructed to go to the XXXX on a specific date to change the car title to my name only, and I was assured that Capital One would refund me the associated expenses. 

I followed all the instructions provided and sent the payment confirmation for the refund to Capital One. XXXX weeks later, I called to follow up and was informed that they had received the fax with the information, but the refund had not been processed. The representative on the phone escalated the issue. 

A month later, having received no updates, I called again. I was told the same thingthat the issue was escalated. However, as of today, I have not received any refund or further communication from Capital One. 

I am requesting your assistance in resolving this matter and ensuring that the agreed-upon refund is processed promptly.
Product: Debt collection

Focused Recovery solutions claimed I owed a medical company in XXXX VA, XXXX was paid long ago. I 'm not sure how this company ended up with the account. I never got correspondence from this company. They just showed up on my credit report saying I owed XXXX. When I called to verify the debt was real XXXX said the debt had already been paid. They also said they have no knowledge of the said credit collector.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Inconsistent Payment History Reporting : The payment history for this account is reported inconsistently across the XXXX major credit bureaus. For instance, TransUnion, XXXX and XXXX show XXXX and XXXX late payments for the same time period. 

On-Time Payments : I have attached bank statements and payment confirmations showing that all payments were made on time. The evidence provided contradicts the late payment information currently reported by the credit bureaus. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

XXXX is attempting to sue me for a loan that isn't in my name, didn't originate in TN, and has been reported as fraud to the FTC.
Product: Debt collection

As a big believer, when you go to replace your car or truck, I was so exited to replace my truck for another truck, razon why??, is because start to put much money in repairs and I diced to replace for another and get better payments, at the bigining tell the owner, How much you give me for my truck he says the best I can go is XXXXdlls and i believe him, after that you have to sign the many papers you have to sign, I did because most of the time you do not have the time to read word by word for those papers they tell you this is for this and this and this just sign rigth here, so you believe in them, so 2 months later I found out he give me only XXXX dlls, and I try to fix it with him and special the financial person and always no I do not remember, really, so I try to make my payments wich was XXXX dlls high that i use to for the other one, when i was really clear I want lower my payment tha 's why I diced for lease this time, after two years diced to return it because I can not handle the payments, I return the truck, nothing happen, 8 months later they send I bill for XXXX dlls, and back that time two years ago, I was in other situation so I can not continue paying this truck because they lie to me, I was filling they involve me with the bla bla bla way they use to try to make it happen the sell and I do not press to much attention and I fill was distraction on the way they offer me the truck, in particular the person in charge of the financial part, so now is in my credit record that I supust own them that type of money, they sell the truck all ready to another and now I can even apply for another car loan, they say is gone a be for ever, no body want to give a car, I family for GM, and I fill really bad with my person because I do not take the time to read everything, I was under believe that my 1st payment was a little high because I do not put money down so when the second payment came that 's when I found out, I really hope who ever concern to this matter any body can help me because they abuse the TRUST always we put on them when we go get any type a car, I really for more exited we can be at that moment we have to take the time to read everything and they tey try to tell you best deal, week and all the things they use for convence us, so tha 's what happen and they tell me in some delers you do not get a car easy any more and is in my credit report and has been affect me, one more time, I do not happen to any one special in my XXXX community any where in the USA.
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 multiple 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 infeasible. The CFPBs finding 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: Checking or savings account

i had money in my citi bank account XXXX to be specific. then, i deposited a check with a large amount of XXXX the check cleared into my account. after the deposit, my account was then frozen and flagged for an odd reason, and citi bank wouldnt give me answers on when they can unfreeze my account. i already verified the check to the best of my abilities, but when i asked them if i can atleast go to the branch to take out my XXXX that i had in there prior, they are saying that they arent in control of that. i need my money im going through serious financial hardships right now
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union has several inquiries on my credit report that are on authorize or fraudulent and they are refusing to remove them And also a XXXX card decreased my current credit limit from the incorrect information that they received from Trans Union which I totally believe that is unfair. But then they turn right around and approve me for {$3000.00} credit card after they just decrease my credit limit because they said I had several inquiries and credit issues
Product: Credit reporting, credit repair services, or other personal consumer reports

Called to do a skip a payment.. it was approved i paid the required fee and was told to sign a paper i would receive within 10 days.. never received the letter so i called and i was told i would have to resubmit the application and that i would not have to pay the fee again since i already paid it well 30 days later my credit gets hit with a late fee and my credit dropped dramatically i called them and Ally said that its because i never paid the XXXX that was due for the skip a payment because the old fee of XXXX was applied to my account but not to the skip a payment so now it put me as XXXX past due and it keeps putting me late.. they are supposedly looking for the conversion where their employee told me I wouldnt have to pay it again since i already did but the executive team ( who I cant for the life of me reach in any way ) told me their associate was wrong but they where gon na look for the conversation where their associate told me I didnt have to pay its been a little over 3 months and no resolve my credit has been affected very very badly due to this i need help.
Product: Payday loan, title loan, personal loan, or advance loan

I am writing to provide details about my account with EXTO INC, listed under **Account Number : XXXX XXXX. According to my credit report, the account has a reported balance of ** $ XXXX and a status of **PAYS AS AGREED, ** with an available credit of ** $ XXXX. 

The account has been closed, and there is no outstanding balance owed. Given that the account is closed and shows a XXXX balance, I believe that it should be removed from my credit report in accordance with the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) and other relevant statutes.

I respectfully request that EXTO INC take the necessary actions to ensure this closed account is removed from my credit report. 

Thank you for your attention to this matter.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal credit union regarding multiple XXXX fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting charges and credits.this issue aligns with recent CFPB findings againsXXXX XXXX XXXX  for similar practices where transactions settled with insufficient balance despite initially available funds. I believe these practices are unfair and request and investigation in my account transactions l.
Product: Debt collection

I have received at least 3 other collection agency attempts of collections on this issue ; I have provided all of them ( including Credit Management ) with Identity Theft documents via certified mail. They immediately closed their file back to XXXX XXXX? and ceased and desist! Now I get yet another collection agency attempting to collect on a debt that has already been documented as a disputed debt as NOT OWED! Isnt that the definition of harassment?
Product: Mortgage

My loan agent let me to pay her 1 % mortgage fee privately. 
I refused to do so and requested her to put this fee to escrow, then she start ignore my calls and emails in the period that my house is in closing process. 

I tried to call the bank and the bank loan processer sounds like know this loan agent and let me to pay the agent privately. The relationship between the bank and this loan agent is very doubtful and they are having deal under the table. 

My mortgage bank is AXOS and my loan agent XXXX # is XXXX. 

I was forced to pay the loan agent privately to close my house. After I paid her attitude was incredibly bad.
Product: Credit reporting or other personal consumer reports

This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review this account ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card

I have contacted ALLY 30x regarding this same charge and they still can't get it right. There are two charges from XXXX {$230.00} & {$140.00}. XXXX refunded {$140.00} & {$89.00} which totals the charge of {$230.00} I AM STILL MISSING A REFUND OF {$140.00} ALLY keeps stating that XXXX only owes me {$0.00} because they are confused that the {$140.00} refund doesn't belong to the charge of {$140.00} I have spoken to several supervisors who have hung up on me or have put me on hold for over an hour and I am not only drained but extremely disappointed in the vision of ALLY Identification # of all reps spoken to at ALLY XXXX, XXXX, XXXX, XXXX, XXXX, supervisor ANW I recieved a response for the original complaint XXXX where Ally responded saying they have refunded the {$140.00} plus interest on XX/XX/24 imagine my surprise on XX/XX/24 to see they have REBILLED the same amount again & when I called I am told the claim investigator went into my claim reopened it and rebilled it back this should be illegal & a breach of my dispute rights. This claim was already closed and found in my favor. This claim investigator needs to be held responsible for this! If they have done this to me I can only imagine who else they have done this too!
Product: Debt collection

Bank of America last sent me response on XX/XX/2023. SAYING THEY ARE STILL TRYING TO COLLECT ON A CREDIT CARD I NEVER HAD, IN the amount of {$3100.00}. I've tried to contact them and do the right thing, but they keep sending me these letters saying I owe this amount and I keep telling them it's not me. This is taking up way too much of my time for no reason and I don't know what else to tell them. I don't have an account number to give them because I never had a card.
Product: Credit reporting or other personal consumer reports

This is my XXXX formal request to address and resolve the unauthorized accounts and inquiries that are currently listed on my credit report. These inaccurate entries have significantly impacted my FICO score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. This is particularly critical as I am preparing to apply for a loan that explicitly requires a high FICO score to be considered eligible. Your prompt attention to this dispute would be greatly appreciated and would help me move forward with my financial plans. Thank you in advance for your support and cooperation.
Product: Credit reporting

I disputed an account with Equifax and they deleted then I found out that they reinserted what previously deleted it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a charge off on my account that IS NOT a charge off. 

Payment to XXXX holder ( if applicable ) {$11000.00} - XXXX XXXX XXXX XXXX XXXX XXXX You {$3400.00} - XXXX XXXX XXXX XXXX Equifax has not verified the payment received for the XXXX day payoff that my insurer paid to this lender in full. This is very unsettling as I have been attempting to resolve this but it just keeps going after evidence is presented. I am not sure where to go from here but I do know I will continue my dispute for this account as it is inaccurate. 

My vehicle was declared a total loss with my insurer, XXXX XXXX in XX/XX/2020. At that point, XXXX XXXX contacted my auto lender, XXXX XXXX XXXX. XXXX XXXX then in turn received a payoff in the full amount of which was valid for XXXX days via whatever portal these companies utilize. XXXX XXXX issued the payment and it was cleared. I even received {$3500.00} AFTER this account was paid in full as per the documents attached. I have been trying to get this off my credit fill and been in contact with XXXX who has been unwilling to assist and hung up on me multiple times nor responded to my e-mails. XXXX is not even affiliated with the XXXX and I have filed a report with them as well. I did contact State Farm who paid off XXXX for this loan IN FULL and they were kind enough to provide me with secured e-mail transcripts showing where a loan insurer with XXXX DID receive the payoff AND released the title to the vehicle. Documentation is attached showing the communication between XXXX and XXXX XXXX ( who paid this off XXXX XXXX with a XXXX day payoff they received ). 

ALL of this account is inaccurate with payment history not reflecting from my insurer, etc..it shows the last payment was on XX/XX/2020 HOWEVER, a payment in full for a XXXX day payoff quote was made on XX/XX/2020. 

This account needs to be removed immediately due to FALSE reporting from the furnisher.
Product: Prepaid card

I was trying to order me cash app card it kept declining and so I call customer support telling them I just signed up for cash app and I try to order me a cash app card and they said I cant and I ask why and they told me they cant give me answer but I feel like if I give yall my personal information to sign up especially for cash app card I should get a good reason why I cant get one
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently Checked my credit report and seen an inaccuracy and in accordance with the fair credit, reporting act, XXXX XXXX  acct # XXXX has violated my rights and with accordance to15 USC 1681 Section 602 States I have the right to privacy. Also 15 USC 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions. Section 15 USC 1666B states A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for and purpose.
Product: Payday loan, title loan, or personal loan

I changed the bank attached to my autopay last XXXX and even got email confirmations of this activity, yet they continued to charge my old account. In XXXX this finally resulted in a returned payment and charges from my old bank and Target. As soon as I noticed it, I made the payment again immediately using the new bank account and called customer service who in turn called my bank to confirm what I was saying. Imagine my surprise when this manual payment was also rejected because they charged the wrong account again. So I made another payment, making extra sure I had selected the current bank account. I then deleted my old bank information from this account entirely. And still they charged my old account! Now I have all of these extra charges and Target had the audacity to cancel my account for too many returned payments despite that it was finally paid. I've spent weeks trying to get this taken care of and I just keep getting told to call another time or told that all of this was my fault.
Product: Checking or savings account

I have received NO communication from Wells Fargo re : the claim for ( myself ) for a wireless transfer that I did not initiate on XX/XX/2022 : XXXX This claim was filed with Wells Fargo fraud department on XX/XX/2022. My claim number at that time was # XXXX. The Wells Fargo branch manager informed me that this transfer was filed under an incorrect account number and a new claim was filed for this specific wireless transfer. I was not given a different claim number and was told since ( father ) is a co-signer on my accounts, that he would be able to get information re : my claim when speaking to Wells Fargo Fraud/Complaint Dept XXXX This has not been the case. When speaking to the expedited XXXX complaint center, they state they have no information re : X claim. I have not heard anything, no phone calls, no mail re : this claim. 

The fraudster gained my trust by starting the illegal charges through my debit card. I received a phone call with the caller ID Wells Fargo stating that theres been unusual activity on my card, which I was able to see via my online banking app. They also repeated the last 4 digits of my social security number back to me- further advancing me to believe I was speaking to Wells Fargo XXXX I then received a series of text codes that were asked to be repeated over the phone and then used to initiate ILLEGAL wire transfers from my accounts. None of these codes stated any amounts or stated that they were being used to initiate a wire transfer. If my account was further reviewed, you would clearly see that I myself have never once issued a wire transfer and do not operate my transfers in that way. I was told these codes were being used to confirm my identity and to close my current accounts, along with opening new ones to prevent the fraud. 

This fraud was reported on XX/XX/2022. We are well past the 7-10 day XXXX waiting period for investigation. 
We did not initiate these wireless transfers. The text codes shared never referenced a transfer or any money amount at all.
Product: Debt collection

I spoked to an Agent Friday morning ( XX/XX/2021 ) regarding the {$170.00} charge. The {$170.00} is showing up in my credit reporting under Collection. After, providing the agent information. The agent stated they do not have this account. I told him well that's illegal and they need to remove the charge if they don't have the account. The company name is " Enhanced Recovery CO L ''. Phone # XXXX XXXX XXXX.