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

I paid XXXX - XXXX over the required payments .... I have 2 interests rates. 5.99 and 6.99 %. 

I expected the extra XXXX to go to the 6.99 % intersest - it did not ... only {$60.00} went to the 6.99 rate. 

The customer rep told me the apply the interest towards the lower rate. 

XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Please be advised that the debt that was owed was settled and payment was submitted to Ameri Collect. I have a receipt for the payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Made an investigation with all major credit reporting companies about a Debt Buyer Company : XXXX XXXX XXXX which has no license as a debt collector in the Commonwealth of Puerto Rico as per State Debt Collection Statutes and did not ERASE this debt collection information ; DECREE # 6451 LAW # 179 of XX/XX/XXXX and Law # 170 dated XX/XX/XXXX. 

Reporting companies are placing this information twice with the Original Creditor and also the non state compliance debt collector XXXX XXXX XXXX which has no license as a debt collector to the residents of the Commonwealth of Puerto Rico THEY DO NOT MEET THE REQUIREMENT OF THE FEDERAL REPORTING CREDIT ACT
Product: Money transfer, virtual currency, or money service

I want to express my concerns about how Zelle handles disputes, especially after the CFPB lawsuit that highlights serious issues with the platform. I have used Zelle many times and reported problems, but my bank and Zelle did not fully investigate my claims. They told me that they could not recover lost funds and that tracking these transactions is hard. 

The CFPB 's findings indicate that Zelle needs to do more to protect its users. Some people have taken advantage of the system, putting users at risk of scams. Its important for Zelle to improve its accountability and transparency to keep consumers safe. I hope my feedback helps encourage positive changes.
Product: Credit card

I was given a credit card increase twice on my card from {$300.00} to {$500.00} and just recently to {$1700.00}. My account was sold from HSBC card services to Capital One credit card. They have kept the interest rate from HSBC from 19.99 % to 20.79 %. I called on Monday XXXX XXXX, 2015 to ask could they lower the interest rate. The supervisor told me that she could not lower the interest rate because of the Prime that was going on. I explained to her if I am given a credit increase this must indicate that my credit should be good enough to lower the interest rate. When I send in a payment the interest and fees on the card are more than the payment. The minimum payment does not even help to pay down the balance because the interest on the card is so high.
Product: Credit card or prepaid card

I just found out XXXX XXXX reduced the credit limit of my XXXX card. Prior to this, I received no notification that this action had been taken, or an explanation as to why
Product: Vehicle loan or lease

My loan was refinanced and paid off with PNC Bank in XXXX. They did not properly release the electronic lien to the State Of  Florida so that I could update to my new lender. When I found out I was defaulting on my loan with my finance company due to this, I immediately called PNC Bank. This was on XX/XX/XXXX. They said there was an error on their end and it would be fixed within a week. It is now XX/XX/XXXX and the error is still not fixed and I am defaulting on my new loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am so puzzled about this situation. I have no idea what is going on over there at the CFPB. Ive submitted this same complaint for the 2nd time. You claim Im not the one submitting it. This to me is crazy. So Im submitting it again. EXPERIAN was not complying with Fair Credit Reporting Act ( FCRA ). I submitted a complaint/dispute about the information listed below. I was the victim of identity theft & the accounts listed below were opened fraudulently & without my knowledge, consent or authority. I provided them with documents which demonstrated this legal issue but they have ignored these documents. They claim they verified the accounts without providing me with any legal documents, contracts or verifiable proof they were opened by me. They are not adhering to section 605b by blocking or removing them from my report. Additionally they are violating sections 616 & 617 for willful noncompliance & negligence. I need these accounts blocked/removed from my credit file per FCRA. The accounts are as follows - XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

KIMBALL TIREY ST. JOHN is falsely accusing me of a collection and its reporting on my credit reports since XX/XX/XXXX of {$8000.00}. This is not my account its is illegally and unlawfully affecting credit and must be removed at once. This violates my rental rights, credit rights and privacy. If its not removed within 30day of today XX/XX/XXXX I will file a law suit against them
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past 2 months I have tried to have my creit locked due to identy theft and credit buros did not, lock my credit resulting in almost 50 inquires and equafax refuses to remove and account that was a result of identity theft The fradualnt acount is XXXX XXXX XXXX for {$120.00} The fradulant inquires are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX EQUIFAX INFO SVCS Automated Consumer Interview System EQUIFAX INFO SVCS. Automated Consumer Interview System XXXX XXXX XXXX   Direct to Consumer Report XXXX/XXXX Promotional Inquiry XXXX  ID Report EQUIFAX Automated Consumer Interview System EQUIFAX INFO SVCS. Automated Consumer Interview System EQUIFAX INFO SVCS. Automated Consumer Interview System XXXX XXXX ID Report XXXX XXXX/EQUIFAX ID Report XXXX XXXX XXXX XXXX Promotional Inquiry XXXX XXXX Prequalification for Credit Card XXXX  Promotional Inquiry
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over XXXX days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over XXXX  days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

I received a notice from you saying the disputed accounts listed below were verified and since all THREE ( 3 ) credit reporting agencies are reporting different information regarding these accounts, I would like to know what you verified, what you modified. PLEASE SEND ME A DESCRIPTION OF WHAT YOU VERIFIED AND MODIFIED? And the procedure of the investigation. This will be EXHIBIT 3A ( 3 in 1 report will be Exhibit 3 ) If you are unable to provide this information, please DELETE/REMOVE and block disputed items from my file immediately. I intend to file an FCRA claim in federal court and with the CFPB pending you response to my request. 
1. XXXX XXXX XXXX XXXX # XXXX inaccurate please delete 2. XXXX XXXX XXXX  # XXXX inaccurate please delete 3. XXXX XXXX XXXX  # XXXX inaccurate please delete 4. XXXX XXXX XXXX # XXXX inaccurate AND reporting TWICE ON CREDIT REPORT please delete. THE SAME ACCOUNT REPORTING TWICE ON CREDIT REPORT please delete 5. XXXX XXXX  # XXXX inaccurate please delete 6. XXXX XXXX XXXX inaccurate please delete 7. XXXX XXXX XXXXXXXX inaccurate please delete 8. XXXX XXXX XXXX  XXXX SAME ACCOUNT please delete 9. XXXX XXXX SAME ACCOUNT please delete 10. XXXXXXXX XXXX  XXXX SAME ACCOUNT please delete 11. XXXX XXXX XXXXXXXX Same Account please delete
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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : # XXXX, Account name : XXXX XXXX XXXX  Account name : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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. 

The vehicle was fully paid off in XXXX XXXX account currently shows as closed on their app
Product: Money transfer, virtual currency, or money service

Complaint Summary I am filing this complaint regarding a {$25000.00} USD international wire transfer initiated on XX/XX/year>, from my Wells Fargo business account. The funds were intended for a XXXX XXXX  account in the XXXX, with XXXX acting as the intermediary bank. Despite multiple recall attempts by both Wells Fargo and XXXX, the funds remain uncredited, causing significant financial and reputational harm to my business. 

Transfer and Investigation Details XXXX. Transaction Information Amount : {$25000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Initiated : XX/XX/year> Originating Bank : Wells Fargo, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Beneficiary Bank XXXX XXXX, XXXX XXXX XXXX XXXX 's Findings XXXX reported that while the cover payment was processed, they did not receive an XXXX message from Wells Fargo, which prevented completion of the transfer to Nationwide. 
XXXX sent recall requests to Wells Fargo due to the missing XXXX and has also requested debit authorization from XXXX to process the return. Despite these efforts, there has been no response from XXXX, leaving the funds uncredited and unresolved. 
XXXX. Wells Fargo XXXX XXXX XXXX Wells Fargo initiated case # XXXX and made multiple attempts to recall the funds, with formal recall requests sent on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/year>. 
Due to the lack of response from XXXX Wells Fargo closed the case and advised that I contact the Federal Trade Commission, the XXXX XXXX XXXX XXXX XXXX, and legal counsel. 
XXXX XXXX Wells Fargo Wells Fargos premature case closure and inability to resolve the transfer issue violate consumer protection expectations, given the lack of support to ensure the transactions completion or recovery. As the originating bank, Wells Fargo has a duty to ensure that my funds reach the intended recipient or to fully pursue a recall if they can not complete the transfer. 

Impact on My Business The missing {$25000.00} transfer has disrupted business operations, strained client relationships, and resulted in financial losses. Wells Fargos failure to provide a clear path forward has left me without access to my funds or further recourse.
Product: Debt collection

On XX/XX/XXXX I received a letter from Windham Professionals stating that they were licensed to collect debts in Minnesota and that they were seeking to collect a debt from the XXXX XXXX XXXX. The amount listed for collection in their letter was nearly 3x the amount which the Federal Government states that I owe. The StudentLoans.gov website lists this debt as {$1300.00}. Windham Professionals is attempting to collect approximately {$3400.00} from me.
When I went to Windham Professionals website ( www.windhampros.com ) I found that their online payment portal is nonfunctional ( https : //www.windhampros.com/makeapayment/ ) and only contains a redirect link offsite to the Dept. of Education. The redirect link directs to a dead webpage at the Dept. of Education. This dead link to the Dept. of Education is used throughout Windham 's website in lieu of actually providing information about customer 's loans. When I searched for Windham Professionals on the BBB.org they return an unusually high number of consumer complaints. Therefor I decided that to protect myself I needed to ensure that Windham Professionals is a legitimate servicer of my debt.
Having worked as a bill collector in the past I knew the process for this and sent them a letter on XX/XX/XXXXrequesting that they prove that the debt is legitimate, that they are authorized to collect it and proof that the amount they were attempting to collect is valid. I am legally entitled to this information per the FDCPA and stated so in the letter. Furthermore under the FDCPA they are required to cease collections attempts until they have provided me with this information. As of today XX/XX/XXXX I have still not received any documentation from Windham Professionals regarding this debt. They have continued to make attempts to contact me by calling me at two phone numbers and over social media at my XXXX account. They have violated the FDCPA in the following ways : 1. They have not responded to my Dispute letter in writing.
2. They have continued to make collections attempts after receiving my dispute letter.
3. They have provided no documentation regarding this debt.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. I recently looked at my Experian credit report on XX/XX/2024, and noticed some things are not accurate. And according to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

According to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general lf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

XXXX has deleted XXXX  XXXX # XXXX from my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX credit account amount of XXXX is Im my report fraudulent and I have been forced to pay to keep my credit from being damaged Im asking that all three bureaus do proper investigation and remove these accounts from my reporXXXX XXXX XXXX XXXXXXXX from all three of my credit reports immediately and completely asap and all inquiries I have a ftc report and will be uploaded it as well
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor sold stolen/damaged vehicle to car auction on XX/XX/XXXX. Was supposed to be covered under insurance when police released stolen vehicle back to creditor US Auto. Creditor sold car to XXXX XXXX, but reported wrongly to credit bureau that this vehicle was a repo on my credit in XX/XX/XXXX when they sold the car and recovered insurance money as a profit. I never had the car pass 30 days to even pay off pick up payments to complete deal on car before it was stolen, totalled, and recovered by the police. US Auto reported this as a repossession on a loan that was never completed and after they had already sold the car to a third party. This should not be on my credit as a repossession for a stolen vehicle that they fully recovered all monies through insurance and still sold the car to an auction double dipping on sales.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Co XXXX XXXX XXXX XX/XX/2023 Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX, Iowa XXXX Subject : Formal Complaint Regarding Inaccurate Reporting by XXXX [ Account Number : XXXX ] To Whom It May Concern, I am writing to formally file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding the inaccurate reporting of a balance by XXXX pertaining to my charged-off secured credit card account, with account number XXXX. I want to bring to your attention the concerning discrepancy in the reported balance and the true nature of this secured credit card account. 

It has come to my attention that XXXX inaccurately reported a balance of {$210.00} for my charged-off secured credit card, despite the fact that this account was initiated as a secured credit card with an accompanying deposit. I would like to emphasize that at the inception of this account, I made a deposit as per the terms and conditions of a secured credit card agreement. The remaining balance should have reflected not only the deposit I made but also the funds that XXXX retained in accordance with the terms of the contract. 

I hereby request that XXXX provide authentic and verifiable documentation of the original debt and the associated contract that clearly outlines the deposit I made and the terms governing the retention of a portion of my funds. It is imperative that XXXX presents accurate and conclusive proof of the financial arrangement that was established at the outset of this secured credit card account. 

In the event that XXXX is unable to produce the requested documentation that supports the reported balance and the terms of our agreement, I insist that this inaccurate reporting be promptly removed from my credit report. It is of paramount importance that my credit history accurately reflects the true nature of this account and the financial obligations associated with it. 

I appreciate your prompt attention to this matter and kindly request that you initiate an investigation into this discrepancy. I believe that the CFPB 's intervention will play a pivotal role in ensuring fair and accurate reporting practices by financial institutions. 

Thank you for your consideration and assistance in resolving this matter. I look forward to your timely response. You can reach me at [ email address ] or [ phone number ] should you require any further information or clarification. 

Sincerely, XXXX XXXX
Product: Debt collection

We have received repeated phone calls from phone  XXXX   XXXX . The caller indicates he works for a dept collector and he is trying to collect a {$1000.00}  ( if I remember correctly ) dept against ou r  XXXX   Card.  Once he mentioned our  XXXX  card I hung up immediately. Our  XXXX  card is our emergency card and we have not used it in a long time. Immediately following my hand-up I called  XXXX  to ensure the card had not been illegally used. The card has a  XXXX  balance with no indication of activity. The same individual has called back twice I told him the second time I called  XXXX  and they verified I do n't owe then anything, I then hung up. tonight he called again and I just hung up and then put their phone number on my blocked number list. The conversations never lasted long enough to determine who the person claims to work for.     It 's clear they are trying to scam us. Thank you for your attention to this activity.  XXXX   XXXX ,  XXXX  XXXX  XXXX
Product: Debt collection

PORTFOLIO RECOVERY XXXX {$420.00} past due on a collection account FCRA violation THIS ACCOUNT WAS DISPUTED A NUMBER OF TIMES AND STILL SHOWS VERIFIED ON MY CREDIT REPORT
Product: Credit card

I am a Chase Bank customer for many years and never had any issues. Few months ago I opened a business checking account and a business credit card with them. The bank closed the business credit card due to missing sign documentation, only the credit card not the checking account. I was in contact with the bank and visited the branch to take care of the issue. The banker confirmed with the back office that they were unable to find the sign application or any documentation that was signed when opening the account. The banker located the initial docs that were signed when opening the account at the branch, and I was assured that all the paperwork will be faxed and the account will be reopened in 5 to 7 but days. Called the customer service multiple times and I was advised that account will be reopened within 5 to 7 business days. Called again after 2 weeks from submitting the request at the branch and the customer service rep could not help. The call was escalated and was on hold for 50 minutes. All this just to talk to a escalation rep that advised the paperwork was not received and I should apply for a new account or go back to the branch. She hung up on me after advising that is nothing she can do. Waisted 1 hour and 7 minutes of my time to have a representative disconnecting the call on XX/XX/year>. This is inaceptable.
Product: Credit reporting or other personal consumer reports

I am reporting an unauthorized inquiry showing on my report with Transunion, I need the following inquiry to be removed from my credit report as soon as possible, please. 

XXXX XXXXXXXX XXXX XXXX