23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Crooked and deceptive Elan credit card still trying to rip off customer. They have found a legal loop hole in order to XXXX the customers who trusted them to be honest in their operations. When i found out these crooks had a work around charging customers interest if they pay off new purchases every month. After they admitted deception and they really have no legal work around they refunded the interest charged. I closed the account to sever ties with the thief 's. The person in customer service failed to tell me that the rewards points earned would be lost. I was NOT informed of this theft of honest earned rewards points. I strongly urge all consumers to stay XXXX away from elan financial as they go out of their way to XXXX the customers over. They have plenty of reptile lawyers to pervert the rule of law to XXXX customers. They are driven by GREED and EVIL INTENT to XXXX the customers any way they can.
Product: Debt collection

On XX/XX/22 I received written notification that my account with XXXX XXXX  is now own by Midland Credit Management , IncXXXX for the amount of {$710.00}. I received an email from Midland Credit Management on XXXX/XXXX/22. I am sending them a letter. I am a consumer and consumers have the right to privacy. I thought privacy is defined as the right not to have one 's personal matters disclosed or publicized ; the right to be left alone. In addition to consumers having the right to privacy is in violation of UCC9-109 ( d ) ( 5 ) which states that no creditor can transfer an assignment of accounts, chattel paper, payment intangibles, or promissory notes which is for the purpose of collection only. XXXX XXXX and Midland Credit Management has violated my privacy. All three credit bureaus are already violated my privacy by reporting XXXX XXXX on my consumer reporting file. I need some help with matter.
Product: Credit reporting or other personal consumer reports

I was a victim of unauthorized inquiry reporting, and this is another request to remove the items from my credit file resulting from these unauthorized inquiries. According to FCRA 605B ( 15 U.S.C. 1681c-2 ), you must remove these items no later than 4 business days after XX/XX/XXXX. I have included this report in my previous complaint and am including it again. Additionally, the information you provided on these items is unknown to me and has been deleted from other bureaus, which leads me to question their accuracy : EXPERIAN : 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 XXXXXXXX : XXXX XXXX. This communication serves as your final warning. If you do not remove the listed items from my report, I will initiate legal action. I have informed my attorney of my intentions, and they are prepared to hold you accountable for any willful noncompliance. Please remove the items resulting from unauthorized inquiry reporting. Thank you for your prompt attention to this serious issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Florida XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report under the Fair Credit Reporting Act ( FCRA ). After reviewing my credit report, I have found several negative items that I do not recognize or remember authorizing. Specifically, I would like to dispute the following items : XXXX XXXX XXXX XXXX  inquiry on XX/XX/XXXXXXXX XXXX XXXXXXXX inquiry on XX/XX/XXXXXXXX XXXX  XXXX inquiry on XX/XX/XXXX XXXXXXXX XXXX inquiry on XX/XX/XXXX XXXXXXXX XXXX inquiry on XX/XX/XXXX XXXX XXXX XXXX XXXX inquiry on XX/XX/XXXX Under the FCRA, credit reporting agencies are required to investigate disputes and remove any inaccurate or unverified information from my credit report. I demand that you investigate these inquiries and verify if they were authorized. If you are unable to verify that I authorized these inquiries, I request that you promptly remove them from my credit report. 

In addition, I noticed an account on my credit report that I can not recognize : CHILD SUPPORT ENFORCEM, account number XXXX. Under the FCRA, I have the right to request that you investigate this account and verify if it belongs to me. If it does not, I request that you delete it from my credit report. 

I would appreciate your prompt attention to this matter in accordance with the FCRA. Thank you for your assistance. 

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

Disputes and accounts where not verified no info that it was verified was sent to be by mail, they just simply stated that they will not Reinvestigate.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I made a wire transfer for an amount of {$30000.00} to a Wells Fargo account, and it is still the date of XX/XX/XXXX that the transfer has not been processed successfully. I have called XXXX XXXX XXXX several times, and I called Wells Fargo and I have not received an answer, nor has anyone who can solve my situation. The last time on XX/XX/XXXX I called XXXX XXXX  XXXX they told me that Wells Fargo was requesting some personal data, on XX/XX/XXXX I called and gave the personal data, they told me that it would take 24 to 48 hours. Then today, XX/XX/XXXX, I call again and they tell me that they can't do anything because Wells Fargo has the money. I call Wells Fargo and it says I have to call XXXX  XXXX XXXX. So who has my money? Neither of the two banks solve my problem. 

I appreciate your help. Thank you!
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX  Equifax XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

One Main not authorized Any credit. At no time did I authorize a credit request. Iam looking into fraudulent activity. I want that inquire deleted. I did not sign no such authorization
Product: Credit reporting

I have submit a identity theft Affidavit to Trans union by certified mail they received it XXXX XXXX that the should block the fraudulent acc that on my credit. I called sever times to speak to supervisor the said they filled out a form for someone to call me back. they will not follow the laws.
Product: Credit card

On XX/XX/2024 my credit card was stolen and fraudulently used. There were charges in the amount of {$630.00}, two charges for {$2.00}, {$15.00}, {$6.00}, and {$320.00}. I never made any of these charges nor did anyone on my behalf and the company Upgrade was made aware of that. I got the card at the beginning of XXXX and then made two charges for {$10.00} and {$3.00} on XX/XX/2024 and after that never used the card again. Then XXXX weeks after the card was maxed out. That makes no sense to say I did it. I also had to go get a police report done, pay for the report and provide and they still denied to claim and were rude to me. Federal Law requires consumers not be liable for more than {$50.00} in charges that result from lost or stolen card information. This means that credit card holders are not responsible for unauthorized purchases. I informed them of this several times and called immediately when I noticed it. Yet that denied and brushed me off like I was nothing. Stating do what you want with your account but you will pay. This is illegal and awful service provided and wish I had never become affiliated with them. I want the fraud charges adjusted rightfully so. I do not care to have my attorney file claim but will if necessary and also go to any presses. Its the principle and handling which has been disgusting and illegal.
Product: Mortgage

Our new insurance company sent information to Freedom Mortgage that our insurance was now placed with XXXX at the end of XXXX. I personally called Freedom Mortgage on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to provide them this information. 

I additionally sent them the same information via a message service on Freedom Mortgage 's website also on XX/XX/XXXX. 

Freedom Mortgage did not send out escrow payments at all, resulting in our homeowner 's insurance being cancelled. 

Freedom Mortgage claims they " had no knowledge '' of the change in insurance and are NOW trying to charge us for " their insurance ''. 

This is unacceptable and we will be filing complaints with the FTC, the Attorney General, IFCA and whoever else we need to, to get this rectified.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 6O4A Section 2 it also states that consumer reporting agency can not furnish an account without my written instructions under 15 USC 's 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Mortgage

Complaint regarding false and mis-leading XXXX advertising. Company is Geneva Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX. NMLS # XXXX XXXX BK # XXXX. 

Company is NOT able to provide the rates advertised on XXXX and XXXX.
Product: Debt collection

I XXXX XXXX entered into a consumer credit transaction with Westlake Financial Services on XX/XX/2018. A consumer credit transaction in which a finance charge was involved. 15 USC 1605 defines the finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but Westlake Financial Services took cash. The finance charge is supposed to include insurance, but Westlake Financial Services made me purchase insurance separately. Westlake Financial Services has reported late payments ( when I should not have payments ) and a repossession ( resulting from a a 30 day " late payment '' ) to consumer reporting agencies which reflects negatively on my report and is adverse to me.
Product: Checking or savings account

Discover emailed me on XX/XX/XXXX at XXXX regarding suspicious activity on my account and froze it temporarily until I could call to resolve. I called them at XXXX on XX/XX/XXXX to discuss the notification. When I called, Discover had informed me they made a " business decision '' and closed my account, without any notification to me. They have termed all my online rights and removed me as a member. All of my funds and income are in this account. 

After trying several times to speak to a supervisor or someone to help, they told me they did not have anyone and I 'might ' receive a call back in 24-48 hours. With being a new mother and all my funds are in the account I expressed I did need to talk to someone about what was going on and how we can resolve this or grant me access to my funds so I could get formula for my baby. They did not further assist me and told me a " business decision has been made ''
Product: Credit reporting or other personal consumer reports

I have sent multiple letters to XXXX, XXXX, and Trans Union about deleting negative items on my credit report. The items were not deleted. I do not own any of the collection accounts that are on my credit report I have sent letters in XXXX of XXXX  and XXXX of XXXX  to resolve this issue to no avail.
Product: Mortgage

LoanCare has now failed to pay my property tax for three months now, with penalties this bill is over {$1800.00} USD at this time. I have contacted this company eight ( 8 ) times by telephone [ XX/XX/XXXX ; XXXX ; XXXX ( supervisor XXXX XXXX ) ; XX/XX/XXXX ( supervisor unknown ) ; XX/XX/XXXX ; call back XX/XX/XXXX ( supervisor XXXX # XXXX ) ; XX/XX/XXXX ; XX/XX/XXXX ( representative XXXX ) ] and spoken to three different supervisor that gave me three different resolution dates. The last resolution date give was XX/XX/XXXX but nothing was accomplished. I need this tax bill paid before it has an effect on my mortgage, my credit and my security clearance.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I paid off my loan in full with a payment of {$210.00}. I have bank records to prove as it was deducted from my checking account. On the moneylion website it is saying I still owe that payment, as well as reporting to the credit agencies that the payment is in collections.

I have sent several emails to XXXX and only get an automated response.

I have called the support number 5 times and on hold for more than an hour each time, only to be disconnected, or hung up on as soon as it is answered.

I have messaged on XXXX  and been directed to XXXX to " submit a ticket '' but no option once there.

I am ready to take legal action and this is my last attempt before doing so.
Product: Student loan

This involves Sallie Mae and Navient. I believe I qualify for the lawsuit. I was charge a large amount of interest. Here are some of the statements from Navient. 


XX/XX/XXXX Disbursement {$32000.00} Interest {$0.00} Fees {$0.00} {$32000.00} XX/XX/XXXX - Not informed of Payment Prinicpal {$0.00} Interest - {$220.00} Fees {$0.00} Total - {$220.00} XX/XX/XXXX Payment Principal - {$16.00} Interest - {$200.00} Fees {$0.00} Total - {$220.00} XX/XX/XXXX Payment Principal - {$54.00} Interest - {$160.00} Fees {$0.00} Total - {$220.00} XX/XX/XXXX Payment Principal- {$92.00} Interest - {$120.00} Fees {$0.00} Total - {$220.00} XX/XX/XXXX Payment Principal - {$270.00} Interest- {$160.00} Fees {$0.00} Total - {$440.00} XX/XX/XXXX Payment Principal {$0.00} Interest - {$220.00} Fees {$0.00} Total- {$220.00} XX/XX/XXXX Payment Principal {$42.00} Interest - {$170.00} Fees {$0.00} Total - {$220.00} XX/XX/XXXX Payment Principal- {$61.00} Interest - {$150.00} Fees {$0.00} Total - {$220.00} XX/XX/XXXX Payment Principal - {$260.00} Interest - {$170.00} Fees {$0.00} Total - {$440.00} XX/XX/XXXX Payment Principal {$0.00} Interest - {$220.00} Fees {$0.00} Total- {$220.00} XX/XX/XXXX Payment Principal - {$65.00} Interest - {$150.00} Fees {$0.00} Total - {$220.00} XX/XX/XXXX Payment Principal - {$63.00} Interest - {$150.00} Fees {$0.00} Total - {$220.00} XX/XX/XXXX Payment Prinicpal- {$86.00} Interets - {$130.00} Fees {$0.00} Total - {$220.00} XX/XX/XXXX Payment Prinicpal- {$81.00} Interest - {$130.00} Total {$0.00} Fees - {$220.00} XX/XX/XXXX Payment Principal- {$100.00} Interest- {$110.00} Fees {$0.00} Total - {$220.00} XX/XX/XXXX Payment Payment - {$87.00} Interest - {$130.00} Fees {$0.00} Total - {$220.00} XX/XX/XXXX Payment Principal - {$180.00} Interest - {$250.00} Fees {$0.00} total - {$440.00} XX/XX/XXXX Payment Principal {$0.00} Interest - {$220.00} Fees {$0.00} Total- {$220.00} XX/XX/XXXX Payment Principal - {$230.00} Interest - {$200.00} Fees {$0.00} Total - {$440.00} XX/XX/XXXX Capitalized Interest {$270.00} - {$270.00} {$0.00} {$0.00} XX/XX/XXXX Payment Total- {$300.00} Interest {$0.00} Fees {$0.00} Total - {$300.00} I have additional paper statements from Sallie Mae as well. 
I called the company many times about this and about being unable to afford this amount. I was told that I would have to go into forbearance or default. It was only in XXXX that I heard, from a co-worker, about income-base repayment plan. 

The total amount that is now owed is more than the original balance. 
XXXX XXXX XXXX : {$34000.00}
Product: Checking or savings account

On XX/XX/XXXX, {$4800.00} was withdrawn from my account, to be returned to the SBA, despite being eligible for an EIDL loan and confirming this multiple times with the SBA.

As of today,XX/XX/XXXX, no funds have been received by the SBA. Where is my money?
Product: Credit reporting or other personal consumer reports

I went to XXXX and also called the XXXX to get My FREE annual credit report/score from all 3 credit reporting agency XXXX, TransUnion and XXXX to NO avail!!. I even contacted all three mentions individually and was able to create an account ( except for XXXX ) but can't get my credit score on all 3 companies. I have a federal student loan and two major credit card ( XXXX XXXX and XXXX ) but only XXXX has this information on my account ( I found out that info by taking to a XXXX employee that was able to successfully AUTHENTICATE me and told me my credit score is good but for some reason creditors or me can't get access to my file ).
Product: Debt collection

Collection Consultants of California has unlawfully placed collections under my credit reports for debts that were paid to XXXX though a lawsuit and the court of law. I do not owe nor am I responsible for any debts placed against me as the court of law is handling an accident case which resulted in me being compensated for injuries and and physical damages and all medical expenses were included in the suit and I am not responsible for them. This company has used harassing and aggressive tactics to contact me at nights using robotic machines and leaving voicemails and threats of lawsuits on my cellular phone and on the phones of my family members and I have had to change my cellular number. Please investigate their unlawful collection practices and their unlawful placing of debts on individuals accounts without proper verification or providing any paper work of debts owed. XXXX XXXX is in possession of all legal forms and case numbers filed by my attorney which places this debt in the hands limousine company that caused my injuries. They are insured and have covered the costs with XXXX through a lawsuit judgment. I will challenge and respond until they remove the illegal debts from my name. I will not stop disputing the accounts reported to the bureaus under # XXXX and # XXXX. They are not legally allowed to contact me as well. I will pursue litigation with my attorney if they do not comply. This company is very deceptive and predatory.
Product: Credit reporting or other personal consumer reports

I think FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurate in terms of reporting, with incorrect amounts and dates.
Product: Debt collection

Company continually attempts to collect a debt that was discharged in a XXXX  Bankruptcy. This is illegal. I have notified this company multiple times through their website, as there is no way to contact a real person, that this was discharged and they need to purge my information from their system. They continue to harass me at least XXXX times a week. When I finally spoke to someone ( a real live person?!! after weeks of attempting to ), after explaining the situation, he hung up on me.
Product: Credit card

With opened ended credit Card with Capital one and XXXX XXXX, In accordance with FCRA this creditor has violated 15 USC 1681 section 6..Refer15 USC 1681 ( Section 6 0 4 and Sec 2 ) . Under 15 USCS 1666b, cant report late for any purpose if not written 21 days before due date. I'd like the late payments removed.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns about Zelles handling of disputes, especially in light of the recent CFPB lawsuit, which exposes significant issues with the platform. Despite using Zelle multiple times and reporting discrepancies, both my financial institution and Zelle failed to properly investigate my claims. They told me that recovering lost funds was not possible and that tracking these transactions could not be done. The CFPBs findings suggest that Zelle has not only failed to protect consumers but has also allowed repeat offenders to take advantage of the system, leaving users at risk of scams.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am a natural man submitting this complaint on my behalf and without any third-party involvement. This is a request for a correction of the inaccurate, erroneous, and unverified information on my consumer report. Please conduct a reasonable investigation and take appropriate action and promptly correct the information in accordance with FCRA section 611-15 USC 1681i ( a ) ( 1 ) ( A ) ) upon receipt of the attached dispute to prevent further invasion of my privacy and damage to my consumer credit reputation. Attached is a copy of the dispute submitted to Transunion, 2 forms of identification ( Driver 's License, XXXX bill for proof of address ).
Product: Student loan

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX Phone : XXXX Email : XXXX Re : XXXX XXXXXXXX XXXX Dear Sir or Madam : I, XXXX XXXX XXXX XXXX am writing to inquire about financial assistance. My purpose for this request is due to a previous student loan exceeding the limit due. I had a student loan at my previous school XXXX University which I attended from XXXX to XXXX. 

Presently, I am enrolled at the XXXX XXXX XXXXXXXX, and I am in the dissertation phase of my studies. I began my studies at XXXX University in the fall of XXXX. Unfortunately, I had to take a leave of absence in the fall of XXXX due to an unforeseen fire. Due to the catastrophic fire and being displaced, I had to take a leave of absence for a year. 

As mentioned, I previously attended XXXX University and was, at that time, in the dissertation phase of my studies. I had completed all the requirements that were necessary to be at the dissertation phase of my studies such as passing the XXXX XXXX and doing the residency requirement which includes XXXX residencies. I informed XXXX University with written consent that I needed a one-year leave of absence. However, in spite of being advised that due to circumstances outside of my control, such as my house taking more than a year to be reconstructed and having to take care of my XXXX mother, XXXX University denied my request for leave. 

In this case, I subsequently enrolled in the University XXXX XXXX. I verily believe, however, that I would never have had to go to another school and take XXXX additional classes if XXXX had reinstated me. 

I respectfully request that I be considered for financial assistance to complete my present curricula and qualify for my degree. I pray that this consideration is granted and not denied due to the outstanding financial obligation for XXXX University. 


Sincerely ; XXXX XXXX XXXX