23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have called Ability Recovery services multiple times for a debt on my credit that is not my responsibility to pay as it was paid by insurance for a medical claim. I have requested supervisors, none return my call. The representatives I do speak with are extremely rude in tone, and verbage. I have been trying for 6 months to have this debt removed from my credit. I have disputed, because it was paid by insurance and they confirmed my reason for disputing but did not remove it. I have been hung up on when requesting a supervisor as well. I have not had any success with this debt being removed.
Product: Credit card or prepaid card

My credit card was used for multiple purchases, at {$50.00} a time until that person has hit my max. They have determined that the charges are fraudulent but it takes times to correct. In the meantime it got reported to the credit bureau that I am not paying my bill. But it was fraudulent use of my credit card and they said they would fix it. I need this removed from my credit report please. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I notified XXXX XXXX XXXX and TransUnion on XX/XX/2022 to let them know that the information in the report was reporting incorrect. I was notified by TransUnion on XX/XX/2022 that the account was now opened which is incorrect
Product: Debt collection

Amount owe was XXXX but they lied about the amount owed i paid them off in the amount of XXXX and they still wont take this account off my credit report or put it in good standing i really just want it removed
Product: Prepaid card

I have a Citi prepaid XXXX card that was part of a promotional " rebate '' program from some auto parts I bought. It expired XXXX 2016 and I lost the remaining XXXX {$30.00} on the card. I called to see if they would reissue, and the agent said they could do it once, with a new card that works for 6 more months. She said they would not reissue again. I told her that according to the CFPB site, prepaid card funds are good for 5 years. She replied " that was for gift cards only. '' I responded that the CFPB site says " prepaid debit cards '' are included. She said that the card was issued in a state with different laws. I told her I knew she was only reading off the screen, but Citi is wrong. I think they are operating outside the law, and likely a class action lawsuit is in order depending on the scale of the problem.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX ILLEGAL practices. Post dated a PAID veterinary bill from XXXX ( from a traumatic night I had to put our XXXX XXXX XXXX in an emergency ) and reported to my credit as an account from XXXX. Took my score down 45 points for absolutely NO reason. I have spoken with XXXX XXXX hospital ( original account ) and they agree it was sent to collections by mistake. Incessant phone calls FIVE times per day for over a YEAR now! Brings back terrible memories from that night every time they call. ( All over {$160.00} that I NEVER OWED! The vet bill was paid in full the same night. ) I have disputed this three times now and they STILL refuse to remove this false collection from my credit.
Product: Debt collection

I received a call from QAR collections stating that I owe nearly {$190.00} in debt from XXXX XXXX XXXX, XXXX XXXX and want me to pay ASAP or I will go into collections. 
I did not receive any written email or mail or phone text or phone call from the XXXX XXXX to verify this. I checked with XXXX and they said they will call back in 24hrs and they did not call to verify this.
Product: Mortgage

I recently enrolled in a loan modification. I was given a new principal and a partial HUD claim that needs to be satisfied to pay off my home. I was assigned a home preservation specialist to assist during this process. My total due is almost exactly what my original loan was for years ago and have made many payments. I requested a breakdown to show how this was possible and was told they cant provide that. I was told no one else was available to call there to help me with this request.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in my account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

Sequium contacted my previous employer via email and included details about the alleged debt. This contact was also not in compliance because it's main purpose wasn't to contact me or get contact information. Sequium violated the law. They have a legal obligation not to give out detail information about why they're contacting me.
Product: Checking or savings account

On XX/XX/year> I visit XXXX of bank of america branches near me Bank of America in XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX. As approaching the ATM next to the branch doors i was able to use the tap feature with my card, and proceeded to deposit {$230.00}. After the money entered in the ATM, moments later the ATM cancelled the transcation but never return the funds. Once noticing that the money wasnt returned to me, contacted the bank while i was there and filed a claim. XX/XX/year> i have received a letter from the bank stating " We found the transaction you referenced but we can't find any record of a cash being deposited at the ATM for {$230.00} between XX/XX/year>, and XX/XX/year>. '' " As a result, the credit for {$230.00} that was previously applied to your account will be removed on XX/XX/year>. '' I'm filing this claim because there was {$230.00} deposited into that atm XX/XX/XXXX and it wasnt returned. I was hoping that the bureau or the bureau can get bank to audit that machine to see there was an extra {$230.00}. There was no option to get a recipt of the transcatiowhen the atm cancelled the transcation. Claim # XXXX Of course there will be no record of the transcation because like a mentioned to the representative i spoke to to file the claim, transcation was cancelled by the machine moments after putting the money in.
Product: Credit card

I purchased a ticket from XXXX XXXX and they offered a {$200.00} statement credit if I applied for the AAdvantage Citi Mastercard. I applied and was told they would get back to me. I completed my purchase, using another card. Three weeks later Citi approved my application, with no additional questions or contact with me. I called to see how they would apply the statement credit and they said I would have to buy another ticket, with XXXX XXXX, using the Citi card. I explained again and was treated very aggressively. I called back two more times, without resolution. On the fourth call I was finally allowed to speak to a supervisor who said the same thing, but gave a {$50.00} credit for the rudeness of his staff. Please advocate, on my behalf, and force Citi to honor their own promotion. I bought the ticket and I have the credit card. I would not have applied except for the offer. There was no notification that a delayed approval would negate the promotion and no explanation for the delay in approving my credit card application ( I have great credit ). Thank you.
Product: Checking or savings account

Its now been 4 years and Bank of America still allowed fraudulent things to happen to my account and blame it on me. 2015 is when my account was closed due to fraudulent activity within my account and now is showing up on my si consumer report. I am not sure how its still showing up when I was allowed to open up accounts with credit unions. This is now a big thing because the total to be paid to Bank of America is ridiculous. Bank of America is ridiculous!
Product: Credit card

I have tried serval times to reach paypal, to find out why my bank account information was deleted, when i use it to make payments. I have never been late with my payments and was charged a {$41.00} late fee, because they deleted my account, that I use to make payments.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block, Inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFOA ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These acts have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed two California tax liens on my credit report that do not belong to me but the credit bureau verified the info as correct despite the tax liens not containing my full social security number or date of birth as now required.
Product: Debt collection

The Student loan Department keep sending different payment centers from different parts of the country after a loan that was paid. This time they sensed a law firm Bass & Associates Entity # XXXX Address XXXX XXXX XXXX XXXX ; Pa XXXX On XX/XX/2019 I sent a Cease and Desist letter to Bass & Associate 's with the same pay off letter that you have on the last complaint. I send letter by green card -XXXX.I received card back without signature because they are a Law firm  they're response wasn't correct. They will try act like they didn't receive anything.
Product: Payday loan, title loan, or personal loan

In 2015 I was on XXXX XXXX I received a pre approval letter in the mail for an instalment loan. I applied online and was contacted shortly by a rep. I clearly told him I was on XXXX and I was n't sure about getting the loan and he kept telling me to tell the loan processor I am working and not " on XXXX '' or else I wo n't get the loan. So I was forced to put my income like if I was working. I finally got the loan and I felt uneasy about being pressured to get the loan so I wanted to return it back. The company said I had to wait until the 1st payment was due. So me being in a financial distress I used the money to pay other bills. I ultimately lost my job and was unable to pay them after I went back to work from XXXX XXXX. The company kept calling my job despite me telling them I could get fired. They also threatened to garnish my wages if I did n't pay. I am currently unemployed and I heard recently they served my previous employer at her house!!! To have my wages garnished. I do n't work and I am very upset and embarrassed that they went directly to my old bosses house instead of calling me or coming to my home. This is causing alot of stress on me because I honestly never wanted this high interest loan to begin with. Their rep was very much pressuring me to get it even told me to lie about my income.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had 3 accounts that went into collections. When I contacted PRA to settle they informed me that they would remove accounts from collections. I have disputed this over and over and over again and they still remain. All they did was update them to XXXX and paid in full when I was informed that they would be removed. I contacted PRA and they said that they no longer remove collections and only update to zero. Which is not want I was told when I paid these accounts. Apparently it is something that happens with this company. I wish I would have done more research prior to agreeing to give payments.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX at about XXXX XXXX, I received an email from Wells Fargo stating that there was something suspicious on my account. I denied the transaction that they were questioning. I also turned off my card at the time via the Wells Fargo app. When I woke up the next morning there was another phishing transaction that was reversed. There were also three XXXX XXXX transactions amounting {$7300.00}. I immediately called Wells Fargo, they turned off the card that I already turned off and started an investigation. I filed a police report with my local department on or about XX/XX/XXXX. On XX/XX/XXXX I received two letters stating that they were denying any liability and would not be returning my funds to me and were considering the cases closed. On XX/XX/XXXX I spent about 4 hours on the phone with countless people at Wells Fargo, not a single person can tell me why this is denied. I asked that they please send me the investigation paperwork, the first person I spoke with said they couldnt do that even though the paperwork specifically said that they would send all of that if I requested it. I then called XXXX XXXX. They said they turned off the profile that was used to send the money but they arent willing to do anything further. I am not sure why all of these people expect me to forget that {$7300.00} was taken from me and no one seems to care. My family NEEDS this money. It is Wells Fargos responsibility to fix this for me. I dont know why I am trying to complete my own investigation. I dont have the tools to do so, the bank does.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently looked over my credit report and found a lot of unauthorized inquiries that I did not authorize. I contacted TransUnion and tried to get them removed, but they did not remove them. I tried to explain, that if they looked at the dates you can clearly see that someone has breached my personal information. The pattern of dates shows that someone was trying their best to get something in my name. Some of these inquiries are even tied to open accounts and I'm left fighting these companies trying to get these negative items and inquiries removed. 
These are the unauthorized inquiries : XXXX XXXX XXXX- XX/XX/XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX via XXXX XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX  via XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX DELAWARE XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX  - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had an auto loan with XXXX XXXX XXXX since XX/XX/XXXX-account number XXXX. I have made every payment on time. They have only sparingly reported my payment history to the credit bureaus. Their address is XXXX XXXX XXXX, XXXX XXXX, TX XXXX. 

I wrote them on XX/XX/XXXX asking them to report my credit history accurately. I received a letter datedXX/XX/XXXX stating that they were reporting the information accurately. 

I have written, XXXX, XXXX and Experian asking that the missing information be reported. I have only heard back from XXXX which said the disputed information does not appear on my report. They said nothing about asking XXXX to provide it. 

I have a credit report service and it shows that none of the bureaus is reporting the XXXX account. 

Could you please contact XXXX XXXX XXXX and ask them to provide the missing credit history to all three bureaus? 

Thank you. 

Ps. I tried to enter the last 4 of my SSN and your system rearranged the numbers. My SSN is XXXX.
Product: Money transfer, virtual currency, or money service

The way Zelle has handled disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. I use Zelle frequently, nearly everyday. Ive reported discrepancies however my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds wouldnt be able to happen and that tracking these transactions is unfeasible and redundant. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to keep using it leaving users l like myself to fall for scams. There is XXXX accountability and transparency is unacceptable
Product: Credit card or prepaid card

Elan Financial continues to refuse to abide by the CARES Act wherein lenders/credit card companies are to work with borrowers and continue to refuse to offer any type of deferred payments, nor have they removed late and/or over limit fees on all of our accounts. Therefore, our attorney is moving ahead with a class action lawsuit against Elan Financial.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 XXXX via SYNCBXXXX  has accessed my credit report from XXXX. I have never contacted or seek to get any kind of financial product from the company nor have I heard of them before. I have never provided my personal information to any bank or other institution in order to get any financial product at the time nor did I authorize any current business I am dealing with to share my information with them. This was a clear unauthorize use of my credit hence a flagrant violation of my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  Account XXXX  XXXX XXXX, XXXX XXXX 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 account without my written instructions
Product: Credit card or prepaid card

I always paid on time, and this giving me XXXX  I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal Credit union for similar practices, were transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request a investigation into my account transactions.
Product: Debt collection

Removal of Late Payments due to unemployment I am writing to demand the removal of late payment entries from my credit report for the account ( s ) referenced above. These late payments were a direct result of being unemployed during the period of March 2023-May 2024 and I am requesting that these be removed immediately, as I believe they unfairly penalize me for circumstances beyond my control. 

1. Impact of Unemployment on Payment History As you are aware, the Fair Credit Reporting Act ( FCRA ) mandates that information reported to the credit bureaus be accurate and fair ( XXXX XXXX XXXX XXXX. The late payments in question occurred during a period of significant hardship when I was unemployed, and my ability to meet financial obligations was severely impacted. Under the FCRA and Regulation V, I request that these late payments be re-evaluated and removed from my credit report as they do not reflect my usual payment behavior. 

2. Request for XXXX XXXX Given the extreme and extenuating circumstances of my unemployment, I am requesting a goodwill adjustment from the creditor ( s ) in question to remove the late payment entries. This request is grounded in the understanding that I made all reasonable efforts to make payments during that difficult time but was unable to meet deadlines due to lack of income. Removing these late payments would more accurately reflect my payment history and financial responsibility over the long term. 

XXXX. XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, I am entitled to dispute the accuracy of any information that may not fully represent my true financial circumstances. I believe these late payments should be reclassified or removed, considering the context of my financial distress. Additionally, I expect full compliance with FCRA XXXX XXXX and the Equal Credit Opportunity Act ( ECOA ), which protects consumers from being penalized for credit report information that reflects circumstances outside of their normal credit behavior. The financial hardship caused by unemployment should not permanently mar my creditworthiness.

4. Immediate Removal Request Given the above facts, I am requesting that these late payments be immediately removed from my credit report. I expect a prompt and thorough review of this matter, and I anticipate your compliance with the FCRA in resolving this dispute. Should this issue remain unresolved or the late payments remain unaddressed, I will not hesitate to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and exploring further legal options. 


Given the above facts, I am requesting that these late payments be immediately removed from my credit report. I expect a prompt and thorough review of this matter, and I anticipate your compliance with the FCRA in resolving this dispute. Should this issue remain unresolved or the late payments remain unaddressed, I will not hesitate to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and exploring further legal options.
Product: Credit reporting or other personal consumer reports

I noticed on my Experian credit report that they are multiple accounts that are not mine or incorrect and exprian have the wrong address on my credit report in consumer report there's violate my FCRA rights and I am trying to get this to off my credit report I have tried multiple times, but there has been no resolution