23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

XXXX via XXXX multiple hard inquires to Equifax - XXXX, uthorized hard pulls = Total of XXXX, XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15 XXXX - MORTGAGE DEPARTMENT : XXXX Creditor Contact Information : XXXX - MORTGAGE DEPARTMENT XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX - MORTGAGE DEPARTMENT : XXXX XXXX/XXXX/15, XXXX/XXXX/15 Creditor Contact Information : XXXX - MORTGAGE DEPARTMENT XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting or other personal consumer reports

I value your help to FIXED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX, XXXX, XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns regarding the handling of disputes and claims on the Zelle platform. Specifically, I am troubled by the lack of adequate protections for consumers when unauthorized transactions occur. Despite following all necessary steps, the resolution process has been unclear, and I feel that Zelle has not provided sufficient support in addressing my case. 

It is important that users can rely on a fair and transparent process for resolving issues, especially when dealing with significant financial transactions. I respectfully request that both Zelle and the CFPB review how disputes are handled and explore ways to strengthen consumer protections in situations like this. 

Thank you for your attention to this matter. 

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

I contacted Bank of America a lot of time but recently on XXXX XXXX when I noticed unauthorized charges from my checking account to my credit account. In XX/XX/XXXX, I agreed to a home warranty with XXXX XXXX XXXX ( XXXX ) for $ XXXX or $ XXXX. Despite paying for XXXX months, when I filed claims for appliances and HVAC services, XXXX  charged me {$XXXX} ( {$XXXX0} per claim ). 

They never fixed anything and denied my claims repeatedly while still charging my credit card. Even after cancelling my account, XXXX continued charging under different names and increased amounts. I requested cancellation and a refund but received no response. Despite disputing payments with my bank, I only received partial refunds. Bank of America 's fault department closed my case without properly investigating my evidence. I've tried to stop automatic payments, but the bank keeps deducting money, leading to fees and late charges. 

On my XXXX ending in XXXX, I turned off auto payments after a {$XXXX} deduction on XX/XX/XXXX. However, on XX/XX/XXXX, the bank again deducted {$XXXX}, claiming it was for interest and fees, then closed the account. Yet, I still owe {$XXXX. When I called customer service, they kept transferring me without understanding my issue or providing assistance, they said I am waiting they contacted to supervise but after that disconnected phone call, the bank did it several time, it is so bad, because they automatic got my money paid to credit, the credit I am not used. 

On credit account # XXXX, I paid {$XXXX} to the XXXX XXXX two years ago, but they didn't do any work and didn't refund my deposit. Despite numerous attempts to resolve this with the bank, they haven't been helpful, and now my credit card is in collections. I've explained the situation to them, but they insist I owe the money. I've tried to work with the fraud department, but they haven't acknowledged my evidence. Bank of America reduced my credit limit to {$XXXX}, negatively impacting my credit score, and currently they look all my credit card. 

I hope this complains Bank Of America, the CFPB can assist me in resolving these issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is has been showing on my consumer credit reports as a charge-off for 7 years plus. Ive been trying to dispute this issue for 2 years now. It is illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a 1099-C. They can't charge it off then report it to IRS. Furthermore, ( JPMCB CARD ) is committing tax fraud. As it stands, I have not received a copy of this form. My rights as a consumer are protected under Chapter 41 Title 15 USC 1601 highlights the consumer 's informed use of credit. At the time that I entered this consumer credit transaction, I was uninformed and I did not understand as the information was not clear and conspicuous. The agreement is null and void due to my lack of understanding because of your corporations unfair, deceptive, and misleadingpractices.
Product: Credit reporting or other personal consumer reports

This letter serves as my formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., concerning the inaccurate and misleading information appearing on my credit report regarding the XXXX XXXX XXXX, and XXXX XXXX accounts. I demand an immediate investigation and correction/suppression of the following discrepancies, as they violate Metro 2 compliance guidelines : XXXX XXXX XXXX ( Account # XXXX ) : 1. Conflicting Late Payment Reporting : " Was 30 Days Late 13 Times '' conflicts with the " Payment Status '' of " Late 30 Days. '' 2. Ambiguous Comments : Remarks such as " Account Was In Dispute - Now Resolved '' contradict delinquency reporting.

3. Past Due Amount Conflict : The " Past Due Amount '' ( {$120.00} ) conflicts with the " Payment Amount '' ( {$280.00} ). 
XXXX XXXX ( Account # XXXX ) : 1. Erroneous Late Payment Status : " Late 120 Days '' contradicts remarks indicating " 180 Days Past Due. '' 2. Balance and High Credit Mismatch : " High Balance '' ( {$240.00} ) does not align with " Balance Owed '' ( {$210.00} ). 
3. Missing Account Information : Critical fields such as " Account Type Details '' are missing, violating Metro 2 standards.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS ACCOUNT IS NOT BEING REPORTED AS CLOSED. REPORTED AS PAID AS AGREED YET IS A CHARGE OFF AND THE BALANCE IS INCORRECT. THIS ACCOUNT IS VIOLATING MY RIGHTS UNDER THE FCRA AND FCRPA AND NOT EVEN REPORTING TO THE EQUIFAX ACCOUNT BUT ONLY IMPACTING MY FICO SCORE.
Product: Money transfer, virtual currency, or money service

On XX/XX/21, my social media and email accounts were hacked, resulting in the use of my debit card information to purchase {$3000.00} worth of Bitcoin through an XXXX app called XXXX XXXX. 
I have not previously used this app, nor am I at all familiar with the use of Bitcoin or other crypto currency. This bit coin was purchased with my funds and then sent to a recipient address which I do not recognize. 
I have since reached out to the XXXX wallet support team and am awaiting a response. 
I have also contacted my bank in order to stop payment on the funds and hopefully be reimbursed for the fraudulent activity.
Product: Checking or savings account

Yet again, on XXXX XX/XX/2019, Suntrust has arranged charges in such a manner that they managed to drop my account below XXXX. I have brought this grift to light many times and yet Suntrust continues to act in bad faith and steals my hard earned money. Suntrust deliberately adds and subtracts charges until they can pile enough at once to drop a balance below XXXX. It is calculated and it is fraud, plain and simple.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$24.00}, XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$360.00}, XXXX XXXX XXXX Date XXXX : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Balance : {$890.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with Equifax concerning XXXX XXXX XXXX. 
I stated that the company has failed to give me a verification of debt or notice of the bill, I also filed a CFPB report on this company, they have not replied to the complaint. 

Equifax has said the debt has been verified which is a lie. Equifax has not went through the proper steps to verify a debt according to the Consumer Credit Protection Act. 
This is ridiculous.
Product: Credit card or prepaid card

Account with Comenity Bank ( XXXX XXXX Credit Card ) was setup in autopay. On XX/XX/XXXX statement, a new purchase balance of {$51.00} was on the account. Per the attached statement : {$51.00} will automatically be deducted from your checking account on your payment due date. This Amount includes the total of your regular revolving credit plan purchases, cash advances, and past due amounts plus minimum payments due for any promotional credit plans. 

The bank failed to do so, on on the next statement on XX/XX/XXXX, an interest fee of {$4.00} appeared as a result of the unpaid balance. 

The bank has refused to explain why the payment was not automatically deducted on or before the payment due date of XX/XX/XXXX.
Product: Vehicle loan or lease

Due to the nature of our relationship, I sent a letter to Exeter Finance ( XXXX XXXX XXXX XXXX, TX ) as well its C.E.O. XXXX XXXX ( Location : XXXX XXXX XXXX XXXX XXXX, XXXX TX ), received on or about XX/XX/2022 ( letter, and proof of mailing attached ) in which I requested the housing location of my original promissory note that I endorsed as a consumer as I have reason to believe it is being traded for proceeds. 
Exeter Finance responded with a copy of my promissory note stating that they believe the debt to be valid. Exeter Finance failed to directly, and reasonably respond to my request as I did not inquire about the validation of the alleged debt. On XX/XX/2022. I called Exeter Finance at XXXX ( Recording of call attached ). In the attached recording the representative stated that he could not tell me and did not know the location of where my original promissory note was housed. This leads me to believe that Exeter Finance is no longer the holder in due course of the original instrument. If this is fact, then I am not legally obligated to pay the alleged debt I allege that I may not be obligated to pay the debt because Exeter Finance has hypothecated, traded, securitized, or monopolized any form of that original promissory note/application. 

Provide me with the exact location of that original instrument. If you can not, then I am alleging that Exeter Finance is no longer a holder in due course and I am now making my claim to the instrument and I revoke and rescind all prior negotiations and demand the title to the automobile, Manufacturer Certificate of Origin, and all proceeds to be returned to me in accordance with U.C.C. 3-306, U.C.C. 3-603b, and 15 U.S.C.1692h. 

If Exeter Finance no longer has the instrument, then I no longer have an obligation to pay the debt. If the location of the original debt instrument can not be provided, then I allege that Exeter Finance is not a holder in due course to even make a claim on the instrument. 

Provide evidence with an affidavit under penalty and perjury in the next XXXX  days otherwise cease and desist all forms of communication on collection. 

I as the consumer was never given full disclosure of all of the facts regarding the use of my promissory note as well as the fitness, performance, and attributes of the account and therefore have the right of rescission pursuant to 15 U.S.C. 1635 as it has caused XXXX  anguish and XXXX instability. 

In accordance to U.C.C. 3-603b, this is my tender of payment of obligation to pay an instrument made to you to discharge the instrument for the full satisfaction of claim there to the exact amount of debt you say that I owe is now set off if you can not prove that I owe it and refund me all prior payments excluding the first payment. 

Also attached is a certified copy of a XXXX. XXXX research report from Georgia 's Secretary of State, further proving that I am not obligated to pay the alleged debt as debt must be recorded with the Secretary of State to be valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit check to the XXXX Major Credit Bureaus company name- XXXX XXXX XXXX  The inquiry was not authorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2021 my credit was fraudulently pulled by XXXX XXXX, I filed a complaint XXXX XXXX sent out the fraudulent information to be removed from all three credit bureaus. The XXXXXXXX XXXX inquiry was removed from XXXX and XXXX, transunion is refusing to remove this inquiry from my credit report XXXX XXXX XXXX XXXX XXXX team sending out several letters and emails asking them to remove it. I have the contact information for the representative at XXXX XXXXl below. TransUnion is responsible for removing this fraudulent inquiry. 

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

I have 4 fraudulent inquiries on my Equifax credit report that were not authorized by me and Equifax will not take them off? I have been fighting with them since XX/XX/XXXX and nothing has been done about it? At the end of XXXX, I had someone try to steal my identity and try to get credit in my name but they were unsuccessful because of a lack of information about me. I called the creditors and they couldn't pull nothing up in my name so they all sent paperwork to Equifax telling them to take it off my credit report because they have no proof of me applying for any credit.They told Equifax that the inquiries were fraudulent and should be taken of my credit report.I called Equifax and they said they didn't receive anything from the creditors ... not even one of them? I have letters from 2 of the creditors that I faxed over to Equifax and they said they can not remove them even though they told me to send them for proof? I have disputed these inquiries 3 times online and have written to the dispute and fraud departments about the issue.I need those 4 inquiries deleted from my report because its hurting my credit score and they were not mine to begin with.The following inquiries need to be removed ... 1 ) XX/XX/XXXX- XXXX XXXX XXXX XXXX XXXX 2 )  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX 3 ) XX/XX/XXXX -XXXX XXXX 4 ) XX/XX/XXXX -XXXX XXXX
Product: Debt collection

LVNV Funding LLC has violated my Consumer rights by illegally attaining my Nonpublic personal information and has furnished my Nonpublic personal information with third party affiliates with is a violation of 15 USC 6802... .Furthermore, this company does not have consent to use my Nonpublic personal information which is Identify Theft, I never signed any contract or have any agreements with LVNV Funding. LVNV does not have the right to furnish a debt with Consumer reporting agencies...
Product: Checking or savings account

This will be my last time filing a complaint with Wells Fargo on CFPB. I am under the impression of Wells Fargo 0 % liability for fraud purchases. I completed the steps needed in order to guarantee my {$2000.00} back. I have offered to provide my own evidence to show that I did not make not those charges, and waited to be contacted about the case. No one ever contacted me until 10 days later to tell me my claim was denied. Even though, I was told a representative from Wells Fargo would contact me for more information regarding the claim. I have asked multiple times for valid proof that the charges from my claim were not fraudulent, but you all have yet to do this. I have asked multiple times, through phone, email, and this here company. So, I dont understand how a thorough investigation was completed without the help of myself or any substantial evidence being located by the bank. I have documented every encounter and included the companys response to every single one of the encounters. If you all know for a fact that the charges werent fraudulent, then it should be absolutely no reason why you all can not provide that evidence. I understand you all profile certain customers, and Im sure if I were a XXXX XXXX, this would have been handled much differently. I have been patient, and I have tried every possible route to receive my money. If, I do not receive my {$2000.00}, I will be filing a lawsuit for {$10000.00} since in Texas, that will allow me to bypass state/federal court. With all of the very recent multi-million dollar lawsuits against Wells Fargo, including fraud, scandal, overcharging of customers, and more, it only provides more backing for my lawsuit. Whomever is receiving this case, can email me and I will happily send over a copy of the lawsuit. This will be my last time contacting Wells Fargo, as I now have all of the evidence needed for a case to be brought against this bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022, to remove these accounts that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint XXXX & I am including it again. Please do immediate action regarding this matter. 
XXXX XXXXBalance : {$0.00} XXXX XXXX ( OriginalCreditor : XXXXXXXX XXXX XXXX  ) XXXXBalance : {$830.00} XXXX XXXXBalance : {$4600.00}
Product: Debt collection

Since XX/XX/year>, i've reached out to A third Party Debt Collector ; XXXX XXXX XXXX XXXX XXXX  multiple attempts to stop debt collection of a debt that was a result of Identity Theft from Wells Fargo Bank. 
Their Representatives seem to not recognize my requests to stop collecting and return to funds taken from me due to a judgement against me.
Product: Student loan

In brief, my deferment status for federal loans was wrongly changed and my loans were then due. Over the phone, XXXX assured me that this was resolved and the loan status was returned to deferment. With this false assurance, I let the payment due date pass by and XXXX is reporting me to all nationwide consumer reporting agencies. XXXX has been unresponsive to written requests and in a recent call, provided no assurance that credit reporting would cease. Below are relevant dates and actions. 

I have been enrolled in school - year-round, full-time - since XX/XX/XXXX. As of XX/XX/XXXX, I completed my coursework, yet am now still enrolled for enough supervision hours to be considered full-time. 

On XX/XX/XXXX, I received an email from XXXX stating that my school had notified XXXX that I was enrolled. 

On XX/XX/XXXX, I received an email from XXXX informing me that my loan repayment was to begin on XX/XX/XXXX. 

On XX/XX/XXXX, I called XXXX to inquire why I was being billed even though my enrollment status had not changed. At the conclusion of the call, I was assured that the status of my loans were all going to be in deferment status and that no further action was required on my part. 

On XX/XX/XXXX, I received an email from XXXX informing me that my payment was past due. 

On three occasions ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) I contacted XXXX through their website form, which does not allow me to retain a record of the emails sent. However, I can paraphrase my request to XXXX : resume deferment status and cease credit reporting. 

On XX/XX/XXXX, I called XXXX. I was told to apply for deferment, a process which will be extended past the next loan repayment due date on account of the school registrar office being out for holidays. Additionally, there was no resolution regarding the credit reporting activities. 

To add insult to injury, I received an email informing me that my phone call had resolved the concerns stated in my emails and that my account status would be reported to each nationwide consumer reporting agency.
Product: Payday loan, title loan, personal loan, or advance loan

I took out a loan for {$5000.00} through Affirm to pay for services that were not rendered with XXXX XXXX XXXX ( XXXX XXXX ). This company needs to be investigated for fraud and scamming because they have not provided any services. They have inconvenienced me time and time again to drive 30+ minutes to their office for nothing to be done, then they turn around and tell me that everything could have been handled over the phone. I have been getting the run around from XXXX regarding a refund for both the XXXX XXXX and funds ( {$750.00} ) that were given to start an LLC for a business. XXXX stated he contacted XXXX XXXX regarding the refund and sent a screenshot of the dispute. I contacted Affirm twice to dispute the charges but the options they had did not apply and I was denied. I was told to send in screenshots, I have messages stating I will get the refund, but it has yet to happen. I am a XXXX veteran and thought I had found a reliable company that had integrity to help me with my claim, but it has been nothing but lies. I had an old employee ( XXXX ) reach out to us from XXXX XXXX XXXX stating she is no longer with the company, and she can not legally tell us what is going on, I am concerned that this company is scamming veterans for their hard-earned money and Affirm is doing nothing about it. I requested the CEO of XXXXXXXX XXXX to contact me regarding my refund for both XXXX XXXX and the LLC fees but have yet to speak with him. Yesterday I was told to come to the office for my refund ( I paid the {$750.00} in cash ) only to get there and the doors were locked and closed. I was told yesterday I would receive a wire transfer for the {$750.00} and they would contact XXXX XXXX but that has not been done either.
Product: Credit reporting, credit repair services, or other personal consumer reports

checked my credit profile and these erroneous accounts were listed. 

Capital one XXXX Capital one XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX