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

In XXXX 2022, I was having financial hardship and was looking to help my situation since I was behind on a credit card payment for two cards with Continental Finance. I contacted customer service on XXXX XXXX to make a payment arrangement with them. The customer service representative offered a financial hardship program in which the payments for two of my cards, XXXX and XXXX, to be split into three smaller payments. If i pay on time, the accounts would not be going into the default and remain in good standing. I thought that was a great idea and the payments were reasonable for both cards. I agreed to the arrangement on the phone that same day. One card ( XXXX ) had arrangement of payments of {$68.00} for three months the other card ( XXXX ) had arrangement for {$38.00} for three months. I made the very first payments for both cards over the phone with the customer representative the same day. 
Over the next month, I lost my job and still made the payments on time, I obtained a new job at the end of XXXX. On XX/XX/XXXX, I called Continental Finance to get an update on my cards since now I had a brand new job. The customer service representative looked and saw that all that the payments than me for {$68.00} on the XXXX card were not applied to the past due balance. The payment problem was sent to a manager. The manager also looked at the arrangement and saw it was not done correctly and a work order was being placed to correct. I was told by the manager to contact the company again on XX/XX/XXXX since it takes 36 hours to go into effect. 
I called back on XX/XX/XXXX to which was the due date of the XXXX card 's payment. Customer service said the order was still being processed. I do not want to make a payment without knowing what the payment amount was. I was transferred to customer solutions in which a manager named XXXX also told me to wait and she would contact me in a few days to provide an update. 
I called again on Wednesday, XX/XX/XXXX and was told that the account was sent to collections and I needed to talk to them. I was given the number and tried to call but they did not answer. I called customer service and they said they were closed. The service rep implied that i should have known about it and I told him that the previous service rep said they were still open. I was told to contact them the next day. 
On Thursday morning, I called and the rep named XXXX ( XXXX XXXX XXXX looked at my information. He saw as well as the payment arrangement was not applied and passed me up to customer service, who didn't do anything but demanded payment. 
I did receive a letter from my XXXX card that said the account was in good standing with the payment arrangement. My frustration is that both cards are with Continental Finance and the rep from XXXX only applied one hardship payment arrangement and didn't set the other one and put my account and credit in jepaordy. I have done my part and should not be hurt for this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to express my deep frustration and disappointment with the lack of action taken by XXXX XXXXXXXX XXXX XXXX regarding the fraudulent opening of a credit card account in my name. Despite my repeated attempts to dispute the fraudulent activity and provide evidence of my innocence, I have encountered an alarming level of disregard for my concerns. 

I discovered an unauthorized credit card account under my name with XXXX XXXX XXXX XXXXXXXX XXXX I can confirm with utmost certainty that I did not initiate the application process nor provide consent for the card to be opened. This act of identity theft and fraud has not only compromised my personal information but has also had a detrimental impact on my creditworthiness and financial well-being. 

As soon as I became aware of this fraudulent activity, I immediately contacted XXXX XXXX XXXX XXXXXXXX XXXX customer service hotline to report the issue and seek assistance in resolving the matter. To my dismay, I was met with a frustrating series of unhelpful responses, delays, and outright refusal to take appropriate action. The representatives I spoke with seemed dismissive and failed to demonstrate a genuine commitment to rectifying the situation. 

Despite providing detailed information about the fraudulent account, including evidence that it was opened without my knowledge or consent, XXXX XXXXXXXX XXXX XXXXXXXX has continuously disregarded my pleas for assistance. I have provided documentation, such as copies of my identification, which clearly show that the information used to open the account does not match my own. However, these efforts were met with indifference, and your institution has seemingly ignored the severity and urgency of this matter. 

I am appalled by the lack of urgency and concern displayed by XXXX XXXXXXXX XXXX XXXXXXXX in addressing this serious matter. As a victim of identity theft and fraudulent credit activity, I expect your institution to prioritize the protection and well-being of your customers. Instead, I have been subjected to a prolonged ordeal, which has caused me significant distress and financial harm. 

I demand that XXXX XXXX XXXX XXXX promptly initiates a thorough investigation into this matter and takes immediate action to close the fraudulent credit card account. Additionally, I insist that all negative marks and erroneous information related to this fraudulent account be expunged from my credit report. Furthermore, I expect compensation for the damages incurred, including any fees, penalties, or financial losses resulting from this incident. 

Failure to address this matter promptly and adequately will leave me with no choice but to escalate this complaint to relevant consumer protection agencies and seek legal recourse to protect my rights and restore my financial reputation. 

I trust that XXXX XXXXXXXX XXXX XXXXXXXX will take my complaint seriously and act swiftly to rectify this distressing situation. I eagerly await your prompt response and resolution to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX SS XXXX My information is clearly shown above. After this credit freeze has been filed, please forward me a written copy of my full report to the address I have confirmed above. 
I would like to request a security freeze placed on my Consumer Disclosure Report. 
I choose to opt-out of your disclosing future information until further notice including the Credit Report and other furnished inquires regarding all personal information. 
This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act, you are required to comply.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any information that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting balances on the credit report that are incorrect and outdated long after other agencies have removed or updated them. I had to go in and submit disputes on multiple accounts in order to have the correct information updated and then wait 2-3 months until they get processed, which left me unable to apply for credit. Other agencies displayed the correct information, which tells me that the creditors do report the information timely. 

In particular, Experian is still reporting a balance from XXXX in the amount of {$8200.00} I have disputed this item as it has been paid per agreement with XXXX. Experian claims they resolved the dispute, but have not removed the balance. I tried to submit a second dispute, but they refuse to process it. 

Additionally, they are reporting another balance on a previously held joint account with XXXX for {$820.00}. I contacted XXXX and learned that the balance was paid in full by the joint owner nearly one year ago. Yet it is still being reported on my report. I submitted a dispute and it has been in process for over 1 month. 

However, they are consistently 2-3 months late in reporting positive updates, such as decreased balances. 

Of the 3 credit bureaus, I've had the most issues with Experian.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately.They informed me that recovering lost funds impossible and that tracking these transactions was infeasible.The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams.This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.With this being said the pictures below are from XXXX of 2022 XXXX different payments to a person named XXXX XXXX who posed as someone else and refused to send my money back a total of XXXX. When I tried to refund this on Zelle they refused and said there was nothing I could do about the money I lost
Product: Credit reporting or other personal consumer reports

I have tried to call Transunion and explain that the hard inquiries i have in my transunion account are fraud they were not me here is a list of the fraud inquiries XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> i want these fraudulant inquiries removed from my credit report
Product: Checking or savings account

On XX/XX/2018 I view my account Checking and Saving account and TD Bank double charge me one Charge of {$5.00} Maintenance Fees and another charge for {$1.00} for mailing my statement prior to online banking the statement for all account was required by United States Federal Regulations and now because of the new internet used the TD Banks and other Bank within the United States are adding extra cost for banking when this is consider to be Fraud if I'm paying {$5.00} maintenance Fee should this cover mailing expense because United States now have different method to Bank it should be illegal to charge for mailing of the statement and when open the account this is what they informed me that will maintenance fee only Please investigate this agency and Maintenance Fees charge to me and others ensure that it according to United States Federal Reserve Bank Regulations and all misconduct and mismanagement found all individuals involved be convited according to United States Federal Regulations
Product: Bank account or service

There are XXXX issues. 

# 1 The accounts are listed as closed when they are not. 
# 2 My responsibility on the XXXX other credit cards were as a joint credit card account holders, not an authorized user. Both accounts I am co-account holder, not an authorized user. My social security and credit is on both accounts as responsible for payment. 

This includes XXXX cards, in the name of XXXX XXXX ( ss # XXXX ) and XXXX XXXX ( ss # XXXX ), billing address XXXX XXXX XXXX, XXXX NY XXXX, Tel Numbers XXXX/ XXXX The credit card account opened XX/XX/XXXX with Bank of America XXXX. 
The credit card account opened XX/XX/XXXX with Bank of America XXXX. 

What does n't make sense is that when we call all the information is correct and the accounts are still listed as open and joint. So we asked why it was n't being reported correctly ( the credit bureaus claimed it was Bank of America reporting and we had to talk to them ). No one knew who we should speak to or what to do. We asked to file a complaint. 

We were finally transferred, with both of us on the telephone, and reached an escalation / debt collections person at Bank of America to ask for the information to be reported correctly, with both of us on the telephone that we reached a lady named XXXX who seemed to be confused and was very belligerent. She was under the wrong impression that we had debt or was late on payments, when we have XXXX debt and have never been late. We have the recording of her yelling and not listening as we both tried to calmly explain, or be put in touch with someone who was in the correct department. 

This lady XXXX from Bank of America stated everything was on our applications, that the Bank does not report anything in error. We stated that this was not true, because she was contradicting what the customer service representative said, and requested a copy of the applications. The lady, XXXX, replied that we could not have a copy of our consumer agreements which we have a right to have a copy of.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account ending in XXXX with Portfolio Recovery was resolved and settled in full back in XXXX/XX/XX/2021. The company stated the account was settled in full and no amount due. It is referenced on their site and when I negotiated the settlement was told the same. I was notified today by XXXX that the same company and account has opened the acct back up for XXXX after it has been settled. This is not ethical or legal when it was closed, you cant open it back up and I am actually getting exhausted dealing with this company and adding amounts back up when its been settled. I need this resolved asap or I will seek to pursue further legal action.
Product: Credit reporting or other personal consumer reports

I logged complaint # XXXX on XX/XX/XXXX and on XX/XX/XXXX XXXX responded saying they would reinvestigate the complaint and respond in " up to '' 30-days. Well it has now been 32 days and they are in direct violation of my F.C.R.A rights. Now that they have failed to provide a resolution in the 30 day time period I demand the inaccurate reporting placed on my credit report by XXXX XXXX be deleted. I logged complaint # XXXX on XXXX XXXX XX/XX/XXXX and they sent a simple reply " we need more time to investigate '' on XX/XX/XXXX and no further response sense then. I do not care that CFPB gives up to 60-days to resolve a matter F.C.R.A says 30 days is sufficient. I have disputed this multiple times over several years to only get ignored by both the bank and credit bureau. I will proceed with legal matter if this is not deleted and a response is provided in a timely manner. 

I do see where XXXX sent the same request they always send to XXXX which is asking them to verify the debt, and yet again XXXX sent back a letter saying it was verified. 
I AM NOT DISPUTING THE DEBT IS MINE, I NEVER HAVE DISPUTED THAT FACT!!!! 
IT IS THE SIMPLE MATTER THAT XXXX LOGGED THIS ON MY REPORT AS CHARGE OFF, THE SAME MONTH THEY AGREED TO ACCEPT A DEBT REPAYMENT PLAN, AND THE SAME MONTH THEY RECEIVED THEIR FIRST PAYMENT VIA THE REPAYMENT PLAN. THIS SHOULD HAVE NEVER BEEN REPORTED AS A CHARGE OFF. 

I initially logged my CFPB complaint on XXXX XX/XX/XXXX XXXX even though they provided a brief response on XX/XX/XXXX the clock legally starts from the day I logged my complaint. So they are way over their time limit to provide a resolution. XXXX also mailed a copy of about two or three statements from XXXX, with no cover letter or explanation as to why I am receiving those ; So I am hoping their incompetent staff do not think that was a valid response, it clearly doesn't address my complaint. 

Also CFPB has failed to hold both the credit bureau and creditor responsible, I am perusing information on how to file against CFPB for their lack of assistance as well.
Product: Checking or savings account

Bank of America clearly does not know the definition of fraud. Someone fraudulently used my card and charged {$230.00} without for a XXXX transaction on XX/XX/2022. I contacted XXXX and disputed the account. They refused to credit the transaction and provide any details about the reservation and the email address associated with the account was not mine. I contacted Bank of America and requested of them to take the charge off due to fraud. My account was issued a temporary credit for the amount. 

Today, I received a letter from Bank of America indicating that the are denying my account because the merchant provided proof that the reservation was made by me. This is false and the Bank did not even bother to call the hotel because no-one stayed at the hotel on that date. I want Bank of American to contact the hotel in question and issue me a permanent credit for {$230.00} as this fraud claim is valid.
Product: Debt collection

On XXXX, XX/XX/2023, I received a credit monitoring notification of a " major derogatory '' reported to the credit bureaus, in the form of " Collections '' on behalf of I.C. System, Inc. with an address of XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX. The amount of the " major derogatory '' credit report Collections notification is {$630.00}. 

1 ) I was not made aware of the debt, and for {$630.00}, I could have paid the amount immediately.

2 ) I was not made aware of the debt having gone to collections ; again, I could have paid the amount immediately.

3 ) I was not provided due diligence in determining if the account is mine ; what company I owed money ( if a real debt ) ; nor an opportunity to dispute with the company and/or collection agency.

Under the Fair Credit Reporting Act ( FCRA ), the three ( 3 ) above mentioned points should have been provided.
Product: Credit card or prepaid card

On XX/XX/XXXX, I received an email from Chime stating that the phone number associated with my account had been changed to ( XXXX ) XXXX a phone number and email address were provided if I did not request the change. I emailed XXXX and stated that I never applied for any Chime products. Next, I received an email from XXXX at Chime saying Welcome to your new account stating that they were personalizing my new Chime XXXX XXXX XXXX and would be sending it out in a few days. Next, I received an email stating '' Your XXXX XXXX application is almost complete. 

When I emailed the support address to explain that I never applied for a Chime product, I received a response stating that they could look into it if I would upload a copy of my government ID to the secure link provided in the email. 

I did not communicate with them further. This morning, I received a voicemail message from ( XXXX ) XXXX claiming to be the fraud department at XXXX Bank, my regular bank. 
I did not respond because that is not how XXXX Bank Communicates problems. I have sent a secure message to XXXX 

I suspect that all these communications are an attempt to defraud.
Product: Payday loan, title loan, personal loan, or advance loan

I am filing a complaint regarding deceptive practices tied to a GoodLeap solar loan connected with the installation of a solar energy system through XXXX XXXX XXXX. The loan amount is {$53000.00}, which includes undisclosed fees amounting to approximately 33 %, significantly inflating the cost. These fees were hidden within the financing agreement and not properly disclosed during the sales process. 

XXXX XXXX, which managed the installation, has now filed for bankruptcy, voiding the promised 25-year warranty for parts, workmanship, and system maintenance. This has left me with unresolved issues, including roof leaks caused by the installation, without recourse for repairs under warranty. 

Recently, GoodLeap contacted me offering {$5000.00} in cash to increase my loan interest rate from 1.99 % to 5 %, which appears to be a predatory refinancing attempt. I believe this is part of a pattern of unethical financial practices similar to those identified in cases brought against GoodLeap and other solar lenders in Minnesota for hidden fees and deceptive lending. 

I request an investigation into these practices and assistance with canceling or adjusting my loan to reflect the fair market value and costs originally promised. Additionally, I ask for protection from further predatory lending actions and compensation for the loss of the promised warranty. 

You can use this version or tailor it slightly to match specific complaint forms. This covers the key elements of your case : hidden fees, lost warranty due to XXXX XXXX bankruptcy, unethical refinancing offers, and broader patterns of deceptive practices already being litigated in other states
Product: Checking or savings account

My Robinhood account got restricted because of unusual activity, I have a XXXX XXXX in my account, I havent been able to use my card, trade or make deposits. Its been over a month my account has been restricted, I already sent my bank statement and still it hasnt been resolved, Ive been unable to pay my bills, Ive lost points from credit cards because of late payments
Product: Credit reporting or other personal consumer reports

CFPB Complaint Unauthorized Credit Inquiries ( TransUnion ) Upon reviewing my TransUnion credit report, I discovered multiple hard inquiries that I did not authorize. These inquiries are negatively impacting my credit score and financial opportunities. 

Additionally, my personal information was compromised in the XXXX XXXX XXXX, making me vulnerable to fraudulent activity. Under the Fair Credit Reporting Act ( FCRA ) 1681b, TransUnion is legally required to ensure that hard inquiries are authorized by the consumer. 

I formally disputed these inquiries with TransUnion via certified mail, requesting proof of my written authorization. However, TransUnion has failed to provide any documentation proving that I consented to these inquiries, nor have they removed them. This constitutes a clear violation of my consumer rights under the FCRA. 

Unauthorized Hard Inquiries on TransUnion Report : Creditor Name Date of Inquiry Reason XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX / XX/XX/XXXX XXXX ) XXXX XXXX XXXX - XXXX ( XXXX XXXX ) XX/XX/XXXX / XX/XX/XXXX XXXX ) XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX If this matter is not resolved, I will escalate the issue to the Federal Trade Commission ( FTC ) and consider legal action for damages caused by these unauthorized inquiries. 

Companies Involved : TransUnion ( Primary Company for Complaint ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$7100.00} ; XXXX XXXX XXXX Balance : {$770.00} ; XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$540.00} ; XXXX XX/XX/XXXX.