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

I opened the credit card for Goodyear ( through Citi Bank ) on XX/XX/2018 when I got a job done for {$630.00}. The account was immediately opened and I was able to use it then. This was the only time I used this card. They were supposed to send me a physical card, and when I did not receive it in 6 weeks I called and found out my balance was over {$1200.00}. I live in Florida, and there were two charges made in XXXX, KY where I had previously lived. There was a cash advance ( Im unsure of that exact date ) and then a service job done for {$660.00} done on XX/XX/18. The company had send my physical card to an address that was never on any applications, and one that I havent lived at in over years, in a completely different STATE than where I was/am currently residing in. After I found this out I immediately opened a fraud alert and then made a police report. I told the company the only purchase I made was on XX/XX/XXXX and all others were fraud. I had to open a fraud case 3 separate times with this company ( that they kept denying ) until the last person said there was nothing they could do, and that I was responsible for the charges. Now, the company keeps charging me outrageous interest and fees, and god knows what else, and my original balance of {$630.00} is now at {$2500.00}. I sent a letter to the Billing Department about 3 weeks ago ( week of XX/XX/XXXX, I believe ) and have not heard from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX late payments on my credit score one of them was years ago I was on deployment and unable to pay the credit card but I paid it at in full as soon as I was able to get service. The second one I would like to understand what thats for because I have been with The capability of paying any credits towards myself. Thank you in advance
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns about Zelle 's dispute resolution process, particularly in light of its failure to address consumer protection adequately. Despite numerous attempts to resolve discrepancies in my transactions through Zelle, my financial institution and Zelle failed to thoroughly investigate my claims. I was informed that recovering stolen funds was not possible and that tracking these transactions was unfeasible. This lack of accountability and transparency leaves users exposed to fraudulent activity. The CFPB 's findings indicate systemic issues within Zelle 's platform, including its inability to safeguard consumers and prevent exploitation by repeat offenders. This situation is unacceptable and raises significant concerns about the security and reliability of Zelle 's services.

I want the CFPB to publish this description on consumerfinance.gov so others can learn from my experience. The CFPB will ensure personal information is removed from this description. I consent to publishing this description once those steps have been taken.
Product: Checking or savings account

On XX/XX/XXXX I noticed that there were some unauthorized transactions in my account using both my Debit Card number and my XXXX information. In total there were 9 transactions made in XXXX, XXXX that were fraud. 
I called on the same day to the bank ( XX/XX/XXXX ) and reported these transactions, clearly stated that I am in XXXX, XXXX, and did not make or authorize these transactions, that they should be blocked or reversed. 

The bank issued a new debit card, however, didn't take any additional action in my account. After accessing my account a few days later, noticed that there are more transactions made on XX/XX/XXXX ( AFTER I contacted the Bank ) that were processed in XXXX even after I explained that I AM NOT IN XXXX. 

On top of that, the Bank charged fees for every international transaction that the fraudsters did using my account. 

I just contacted the Bank, they promised me again that they are reversing these transactions, however they said that if the Merchant changes their name, they will still be able to use my account. 

I've never felt so unprotected and exposed in my entire life. 
The process of reporting fraud was already a pain, because I am a business client and could not report these transactions online ( not through Desktop nor App Mobile ). I had to call several times, and they didn't take any relevant action. 

I'll be closing this account and opening a new one in another bank, but it can be left like this. It can happen with any other customer. 
I have no idea how someone had access to my card, it was with me the entire time, and I don't carry it, it stays at home. And how they also had access to my account details to use XXXX. 
This is unacceptable.
Product: Debt collection

Company " XXXX XXXX XXXX, XXXX  '' dba " XXXX '' ( XXXX ) requested payment on " one-time fee '' that did not materialize services to Client. Client was informed by XXXX to pay fee using an email online form or XXXX 's legal team would file a claim against Client. Client responded with completed authorization form within due time. XXXX did not process the payment. Rather, after 1 month of not responding, XXXX filed a claim from their legal team to collect more funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this account for a few months now and havent received anything concrete to keep it on my credit file. This is a violation of my rights. I do not believe the credit bureaus have been throughly looking into my disputes. I have attached my dispute letters that include, metro 2 compliance data as well as consumer law challenges under the Fair Credit Reporting Act! How are these accounts simply coming back as verified with no proof of thorough actual work being done. This is beyond messed up! The credit bureaus have been violating our rights for years. How long will the CFPB let this nonsense stand!

I am reaching out to the CFPB today because I am hoping that you will be able to get me some real answers and have my best interest at heart because the credit bureaus obviously dont!
Product: Checking or savings account

We bank with SunTrust. recently there was fraud in our account. two large deposits showed up and the money was moved around within our 3 accounts, and then sent out of our account, all without our knowledge. This morning we learned the bank subsequently declared the deposits to be suspect and froze our accounts containing all of our money. My payroll was direct-deposited today, and they are refusing me access to it as well. I have talked with their fraud people and the are unwilling to release my payroll funds. Unfortunately it is too late for my employer to cancel the direct deposit transaction. I can understand shutting down the accounts, but my payroll has nothing to do with fraudulent deposits made into my account by someone else. SunTrust is refusing to release these funds, even into a new account. We desperately need help as this has created a dire situation. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 13th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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: Debt collection

Asset Acceptance debt collectors incessantly called me during the months of XXXX and XXXX 2013 to collect on an alleged XXXX XXXX XXXX credit card debt. I remember these repeated calls as annoying, aggressive, intense and oppressive. All of these calls took place while I was attempting to work. 

Asset insisted that I had to settle my alleged debt before the end of the month or the settlement talks would end. It appeared, based on their aggressive and oppressive behavior, that they were indeed desperate. Therefore, I better settle the alleged debt by the end of the month or the endless and degrading phone calls would never end. 

The calls, to my recollection, started with the initial collector who was rude and aggressive and tried to force me to settle the alleged debt at a price that I was unable to afford. Then I was moved around between different " levels '' of surly and degrading debt collectors. This culminated in a high pressure settlement on XXXX XXXX, 2013. ( See the attached letter from Asset Acceptance, dated XXXX XXXX, 2013. ) As I state below, the only reason I paid the alleged debt was to end the incessant and harassing and oppressive Asset Acceptance phone calls.
Product: Checking or savings account

On XX/XX/2022, PNC bank withdrew {$3200.00} and charge a fee of {$100.00} from my savings account. I called and was informed it was court order. 

They sent me a copy of the letter which was printed with the XXXX XXXX government letter however, the address and phone number belongs to a collection agency. 

PNC withdrew money from my savings account without verifying it was from XXXX XXXX government and failed to verify the amount if indeed it was from the county. 

They also failed to notify me in a timely manner, I received the letter from PNC on XX/XX/XXXX after they money was withdrawn. 

I've sent them an email about this matter and I've called, XXXX, person in responding to my complaint but each time I've called, she has not returned my call.
Product: Mortgage

Good Afternoon, I sold my home on XXXX XXXX, 2016 and PHH Mortgage still had {$4700.00} in my escrow account. I checked my account online and it showed that all escrow funds were disbursed to borrower on XXXX XXXX. 3 weeks ago I called PHH to inform them that my disbursement check had not arrived yet. The representative stated that she would expedite mail me a new check. 2 days ago I called again to find out the status of my check and was told that they have not issued a new check yet and would expedite a new one. In the last 6 years living in Texas I have experienced only XXXX situations where mail got lost and in both cases it was mail from PHH with large value Escrow funds checks ( this occasion and when I sold another house about 3 years ago ). I find this to be an extremely implausible and unacceptable coincidence that should be compared with other consumer reports.
Product: Mortgage

my loan was recently sold to freedom mortagage company in virginia and I was told by my previous lender my payment would not change. Online it showed to pay XXXX, my paper bill shows XXXX. When I call they say it is XXXX. The company says I owe three different amounts and claim my escrow is behind which was never a problem with my original lender. I have only been with this company two months and they have managed to XXXX up my entire mortage. When i reported it I suddenly lost access to my online account and they stopped returning my calls. The paper statements dont even match what their system shows. I feel this company just buys loans to try and foreclose their homes and charge unnecessary fees.
Product: Credit card or prepaid card

On XX/XX/XXXX, I received an email from American Express advising they were cancelling my credit card. I called and spoke to XXXX XXXX at American Express who advised me that the company canceled my account because of negative reporting provided by XXXX. I advised XXXX XXXX I don't have any negative information on my credit report and provided a copy of my all three credit reports showing so. I then spoke too XXXX XXXX on XX/XX/XXXX who advised they didn't understand why the account was canceled because there's no reason and transferred me to a department who requested reinstatement the rep 's name was XXXX XXXX ). I then Spoke to another rep XXXX XXXX and XXXX XXXX who also confirmed they showed no reason for cancellation and transferred me to a Supervisor ( XXXX XXXX in the XXXX department Ref # XXXX ). XXXX submitted a request for my account to be reviewed and the request was rejected stating that it's because of my XXXX score which is a different reason then what I was originally provided, which is incorrect because my XXXX score has been the same since I received my card. I've been given misinformation by the company, because they have no reason for the cancellation. 

I spoke to a Manager XXXX XXXX XXXX XXXX who advised that the because I hadn't used my card that was one of the reasons. I challenged that and asked why wouldn't they send me something letting me know that I need to use my card, he stated they don't need to provide that type of advanced notice. 

I requested the complaint / grievance and he was uncertain and wouldn't provide me with information. This is going to effect my credit and possibly my home loan. I'm requesting this company reinstate my account to prevent damage to my credit file. 

Please help me get this corrected.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws Dear XXXX  , I am writing to address a serious violation regarding the unauthorized reporting of information to my credit report. This action is a clear breach of the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as Missouri state laws concerning identity theft and fraud. 

It has come to my attention that XXXX has reported information to my credit report without my explicit consent. Under federal law, as outlined in the FCRA, consumer consent is a mandatory requirement for such reporting activities ( Section 1681b ( a ) ( 2 ) ). 

In addition to federal law, Missouri state law provides protection against unauthorized reporting and identity theft. Missouri Revised Statutes Sections 407.1500 and 570.223 emphasize the need for consumer consent and establish strict penalties for the unauthorized use of personal information. 

I assert unequivocally that I have not provided consent for XXXX to report any information to my credit report. This lack of explicit permission constitutes a clear violation of my rights, potentially damaging my creditworthiness and disregarding both federal and state laws. 

I demand that XXXX immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as required by Section 1681b ( a ) ( 2 ) of the FCRA and Missouri 's identity theft laws. Failure to comply within 30 days will be considered willful noncompliance and subject to penalties under applicable laws. 

Obtaining consumer consent is a legal obligation under the specified sections of the FCRA and Missouri state law. This is a demand for compliance with both federal and state regulations to protect consumers like myself from unauthorized and harmful credit reporting. 

I expect your immediate attention to this matter and anticipate that XXXX will promptly rectify these violations, respecting my rights under federal and Missouri laws . 

Sincerely, XXXX XXXX XXXX
Product: Vehicle loan or lease

From XXXX XXXX last four of social security number XXXX date of birth XX/XX/XXXX my complaint is that Honda finical refused to grant me an extension on my XXXX XXXX XXXX  reson for extension is that I had a disaster in my home water damage and my house was being repaired I understand I had a extension in the past but this situation happened beyond my control. I will be able to make my normal payment after that and I made payment recently
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX XXXX I initially contacted XXXX XXXX XXXX XXXX for a hardship request for my account. I then spoke to a " Collections XXXX '' who had me email over documents and never heard anything back. I then started to receive phone calls asking why I had not paid. When I told them I filed for a hardship on my account, I was then told I was good to go. These calls continued for approximately a month until I was told there was no knowledge of this. On XX/XX/XXXX XXXX, I then spoke to another " Collections XXXX '' and they had me resend the documents and restart the process. It was then approved a few days later which led to me being allowed to skip the payments for XXXX and XXXX. 

Following this, I was then reported as >30 days late on my credit report. On XX/XX/XXXX I filed a dispute with the two credit reporting agencies that my auto loan is being reported to regarding the reporting of a late payment for XXXX. I then received notification that my account was being reported accurately and this is not true. 

According to the FCRA : 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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.

( B ) Reporting information after notice and confirmation of errors.

A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Judgment was filed against us on XX/XX/XXXX with the XXXX XXXX Circuit court for {$2100.00}. Docket # XXXX Another judgment was filed against us on XX/XX/XXXX with the XXXX XXXX Circuit court for {$17000.00}. Docket # XXXX Bankruptcy was filed on XX/XX/XXXX and was discharged in XX/XX/XXXX. Docket # XXXX Both of these judgments are still showing up on our credit report as open/filed and need to be removed or closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act 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 # 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, NY XXXX XXXX Dear Sir or Madam : As of XX/XX/XXXX it is still displayed on all three of my credit report files, XXXX, Equifax XXXX XXXX. I was also notified that I could not use XXXX XXXX, CEO of XXXX XXXX XXXX XXXX on my behalf as my representative to dispute fraudulent alleged accounts. I have Attached several Documents so you can see the discrepancies on my XXXX credit report. The items I dispute on the attached copy of the report I received.The information on XXXX XXXX XXXX Account number XXXX LISTED with a balance of {$93.00} is inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately.

Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate.

This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection.

The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
This rule is effective XX/XX/2021. Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX, Thank you
Product: Bank account or service

Good morning, In 2006, I applied for a 30yr fixed mortgage through XXXX XXXX XXXX, then at the end of the year ( 2006 XXXX, when I received my statement, I was confused at the huge interest amount, so I contacted the bank. They told me that they gave me a 10yr interest only and 20yr fixed mortgage. I never applied for anything like that! They refused to help or fix the situation, and then they sold my mortgage to Nationstar Bank. I talked to Nationstar to try to resolve the issue and they will do nothing. I have been making and continue to make huge interest only payments because they refuse to fix this issue. I am happy to provide additional information to support my case. I am a single, working senior citizen and I can not afford a lawyer or to lose my home. This is not right and I need justice!
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX