23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

my car was totaled on XX/XX/year>. My insurance company and the gap plan I purchased paid the loan off. The payment is being reported as late. However, the insurance company had submitted payment paying off the car. I have tried on several occasions to resolve this issue with Exter Finance corp.
Product: Credit reporting

XXXX XXXX XXXX is still reporting the repossession of a vehicle to All XXXX credit bureaus that is well over seven years old. This vehicle was never in my possession and is the responsibility of another individual that is not nor has never been a relation. The amount of said negative debt reporting from XXXX XXXX XXXX is about {$11000.00}. Exact amount and circumstance of loan unknown to me as again this is not my debt and is over seven years old. I recently discovered this when applying for a loan at my local bank. Please have account removed/deleted from all three credit reporting agencies.
Product: Debt collection

Accounts - XXXX, XXXX, XXXX were closed due to identify theft but for some reason they are still in XXXX XXXX XXXX XXXX XXXX and they keep harassing me over it. Called XXXX and Enhanced Recovery Solutions said they could not talk to me about accounts. Just want these taken care of and proof that they were taken care of. Also Verified that there were taken care of over 2 years ago with XXXX XXXX XXXX but due to lack off communication they stayed open through 3rd party collectiuons.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 20th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX  XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

FcrA Violation bc equifax is not reporting it correctly and cant be fix they must remove the inaccurate information Enclosed years of information is inaccurate
Product: Credit card

I made a purchase on XXXX on XX/XX/2024 totaling to {$1900.00}. It was a big purchase involving multiple furnitures and furniture sets. XXXX of those items was a dresser which totaled to {$270.00} and it was a defective dresser. I have tried contacting XXXX to send specific pieces needed to fix the dresser and claimed they didn't have those specific pieces available and they couldn't assist me further but to return the dresser for a full refund. The dresser was already mantled and the box had already been thrown out. I couldn't dismantle it and ship it back to XXXX for a full refund. I kept insisting on another resolution because sending it back was unrealistic especially with all those pieces it came with and how big the dresser is. I asked for a {$270.00} refund because that's how much the dresser is worth so I can just rebuy it or XXXX similar to it. And I asked for a refund due to the dresser having faulty bolts and a defective wood frame on one of the drawers. They refused a full refund. I disputed this amount with PayPal and they are siding with XXXX based on a receipt they provided to PayPal. And XXXX didn't provide a return label or a box to send back the original item.
Product: Payday loan, title loan, or personal loan

My account with XXXX was included in a recent bankruptcy proceeding. Due to the fact that I wanted to keep the vehicle I have continued to pay. Recently when contacting XXXX for a payout, I was told that {$1400.00} was remaining on the loan and the estimated maturity date was XX/XX/2020. These totals don't add up, if the account is estimated to mature ( meaning done with payments/loan obligation ) than the amount should be {$940.00}. This was the exact arrangement discussed between XXXX and my attorney upon reaffirmation of the debt. 

After speaking with a representative today, I was told that they don't know when I will be paid out from this account and they couldn't give me an exact maturity date due to fees and other reasons on the account. 

I feel like since this account was included in my bankruptcy proceedings and I chose to keep the vehicle ( for the record, this account was in good standing prior to the bankruptcy proceeding ) I am being scammed with fees and additional money to extend the maturity date. I feel they are aware the repercussions if I do not continue to make this obligation and the effects it would have on my credit after the bankruptcy. I feel like this is a shark way and they continue to manipulate people with fees based on their circumstances. It is predatory lending at it's finest.
Product: Checking or savings account

Subject : Complaint Regarding Unlawful Blocking of Business Account and Withholding of Funds by Citi Bank To Whom It May Concern : I am writing to file a formal complaint against Citi Bank concerning the unjust and prolonged blocking of my business account, which has caused significant financial distress and disruption to my business operations. 

Details of the Issue : Account Information : I opened a business account with Citi Bank for my home-based business. My account has been active, and all transactions were conducted as per the bank 's policies. 

Issue Encountered : I attempted to wire a payment to a vendor in XXXX. Unfortunately, the vendor 's bank was inactive, which led to Citi Bank blocking my business account. 

Funds Withheld : Citi Bank has held more than {$70000.00} in my account for over three months. Despite multiple visits to the bank and calls to customer support, I have received no resolution. Each time, I am told that a check will be sent to my address, but nothing has been received. 

Impact on Business : As a XXXX XXXX XXXX, this situation has caused severe financial hardship. I am unable to pay my vendor and my team, which is threatening the survival of my business. I am an elderly person and can not visit the bank on a daily basis. When I call the bank, they assure me that they will email the relevant department and provide an update within 24 hours, but no action is taken. 

Request for Resolution : I request the immediate release of my funds and the unblocking of my business account. Furthermore, I seek compensation for the financial losses and the distress caused by this situation. I also request that Citi Bank reviews its procedures to prevent similar incidents in the future, particularly concerning the handling of transactions involving international banks. 

I am looking forward to a prompt resolution of this matter. 

Contact Information : Name : XXXX XXXX XXXX Company : XXXX XXXX Bank Account Ending : XXXX Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

Wells Fargo staff stole {$1200.00}. From my checking account and they add insult to injury by offering me {$100.00}. We will not allow XXXX to commit criminal acts against us. We are seniors with limited resources but somehow we will find a way to sue XXXX in a court of law. 

We are in the process of attempting to communicate with XXXX XXXX XXXX as he has serious problems employing criminals in one of the Wells Fargo branches in XXXX. XXXX XXXX, Florida.
Product: Credit reporting or other personal consumer reports

have sent in disputes to be investigated from all 3 of the credit bureaus transunion, XXXX, and XXXX. Instead of these dispute letters being investigated as per law of the consumer. I am recieving letters back stating that the investigation will not be processed and it don't seems to be me requesting a dispute of letters I had to pay for with my drivers license and utility bill and social security card. I do not have money to waste and I do not use computer like that to do any thing online.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen, and an account was opened with XXXX using my Social Security Number, my middle Initial and my Second Surname, I received a Notice dated XX/XX/XXXX from a collection agency claiming that I owe over {$2400.00} to XXXX. The Notice shows my first name, and my Second Surname ( without showing my legal Last Name ), and without disclosing the creditor 's account number. 

XXXX Credit Report dated XX/XX/XXXX, shows the XXXX XXXX credit inquiry on XX/XX/XXXX. 

TRANSUNION Credit Report dated XX/XX/XXXX was issued in two names : 1 ) my full legal name, and 2 ) my first name, my middle initial, and my Second Surname ( without showing my legal Last Name. ). IT SHOULD BE NOTED THAT MY SECOND SURNAME WAS REMOVED FROM MY FULL NAME OVER 51 YEARS AGO, ON XX/XX/XXXX BY THE US DISTRICT COURT IN XXXX, NY. The Credit Report also shows that XXXX opened an account using the Second Surname on XX/XX/XXXX ; the account was closed on XX/XX/XXXX and is in collection. 

As I am a senior citizen ( almost XXXX years old ) and seldom use credit, I tried to protect myself against this type of fraud by placing Security Freezes with XXXX  on XX/XX/XXXX and with TRANSUNION on XX/XX/XXXX, which I never lifted. 

I am a victim of financial fraud. I have been financially harmed because my credit information was negligently released on XX/XX/XXXX to XXXX, WITH WHOM I DID NOT HAVE AN EXISTING ACCOUNT. This was done without my consent and without regard to the Security Freezes that I placed over 13 years ago on all my credit files. 

I have informed XXXX, TRANSUNION, and XXXX of the above and have filed an Identity Theft Report with the Federal Trade Commission.
Product: Mortgage

I logged a complaint back in XXXX and the Lender claimed it was resolved so CFPB closed the complaint however it is not resolved. The Lender has been misapplying funds, changed my payment agreement without discussion, notification or authorization and I want it resolved. As stated in my previous complaint, I made a bi-weekly payment agreement with Ocwen and ever since PHH took over, there have been nothing but problems. I received a late notice in XXXX and you can clearly see by my attached bank transaction history I was paid ahead. Now they are showing I am delinquent and also have increased my monthly payment with no notification or reason why. My insurance and taxes have not increased. Actually, I recently qualified for a property tax exemption and they will be going down. I want the transaction records fixed, I want to know why my payment has increased and I want it all in writing so it can be read. The transaction history I received that I had to request from them 3 times and took 2 months to receive was such fine print I had to get a magnifying glass from a friend to read it and this is not an exaggeration. I would be happy to provide it as proof as well if needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

-I had a credit builder loan with MoneyLion -I paid the balance of the loan off as well as some fees they said I owed on XXXX XXXX -On XXXX XXXX MoneyLion updated my credit report as me having a balance. 
-On My other 2 credit reports the account information has not been updated in quite some time. 
-After I paid this loan off. I am unable to close account or delete my banking information.
Product: Mortgage

My complaint is against Shellpoint Mortgage Servicing Company. I have been trying to get my PMI removed from my account. I have fulfilled all requirements for the removal. ( Please see attached letter. ) I believe this was a deliberate attempt to keep me from having the PMI removed. I received the amount paid for the XXXX XX/XX/2021. Thank you in advance.
Product: Money transfer, virtual currency, or money service

I am writing to express my grave concerns regarding Zelles alarming failure to address disputes effectively, especially in light of the recent CFPB lawsuit exposing critical flaws in the platform. Despite my repeated use of Zelle and my diligent efforts to report discrepancies, both my financial institution and Zelle failed to investigate my claims thoroughly. I was informed that recovering lost funds was deemed impossible and that tracking these fraudulent transactions was unfeasiblea response that is both unacceptable and deeply troubling. 

The CFPBs findings highlight a systemic neglect of consumer protection, allowing repeat offenders to exploit Zelles vulnerabilities unchecked. This not only jeopardizes the trust of users but also exposes countless individuals to avoidable financial harm. The lack of accountability and safeguards against scams must be addressed immediately, as the current system fails to prioritize the safety and rights of its users.
Product: Credit reporting or other personal consumer reports

Good Morning, I have a bank of America account on my XXXX  report, that was remove in XXXX.It has be placed back on my XXXX  report, which is a report violation of code 15 U.S.code 1681i. New jersey law states that a collects and only stay on your report for 6 years, and this account has passed that time frame. and they keep up dating the last day of activity which the day is incorrect. thank you for your time look forward to hearing back from you in this matter.
Product: Credit reporting

this not my credit card w/XXXX XXXX please remove from all XXXX reports. 
thank you.
Product: Credit reporting or other personal consumer reports

ID theft under FCRA and other regulations please remove these accounts : FTC AND ADDRESSES AND ID ATTACHED. POLICE REPORT ON FILE - XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDOT BUREAS HABE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE THAM 30 day they are in violation of the " FAIR CARES ACT '' XXXX XXXX XXXX XXXX XXXX LATE PAYMENTS Balance details Paid off - Balance - Balance updated - Original balance {$18000.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Auto Loan Payment summary XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX ND XXXX XXXX XXXX XXXX ND XXXX XXXX XXXX XXXX XXXX XXXX XXXX ND XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX - XXXX PAYMENT HISTORY LEGEND Status Paid, Closed. 
Status updated XX/XX/XXXX Original balance {$18000.00} Monthly payment - Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms XXXX Months Company sold - Original creditor - Comments Account previously in dispute - investigation complete, reported by data furnisher Your statement **CONSUMER STATEMENT** Y ITEM DISPUTED BY CONSUMER Contact info Address XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Debt collection

Received a call from creditor in XXXX about collection informed them that this was the 3rd collection agency i have heard from creditor claimed they we're disputing with original creditor shows up on credit report call them they thought it was a joke and claimed i was only able to file a dispute by mail then hung up
Product: Credit reporting or other personal consumer reports

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, DEPT OF ED Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX  XXXX Inquiry Date XX/XX/XXXX, XXXX  XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX and XXXX XXXX XXXX Inquiry Date XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX  Opened XXXX {$390.00} XXXX XXXX XXXX Opened XXXX {$420.00XXXX XXXX XXXX XXXX Opened XXXX {$700.00XXXX XXXX XXXX XXXX Opened XXXX {$710.00} XXXX Opened XXXX {$840.00} has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Checking or savings account

In XX/XX/2021, I opened an account after receiving email marketing from BMO harris that I can establish an account in earn up to {$300.00} after {$4000.00} had been deposited over a 90 day period. 

The account was receiving deposits bi-weekly for a XXXX dollars from my employer. 

XX/XX/2021, I logged in to transfer the funds to my local bank, due to the lack of ATM 's and locations as I've done since the account opening and notice that the account was not showing on my OLB XX/XX/2021 - I spoke to XXXX ( customer service representative ) who told me the account was closed due to inactivity, being a bank employee at another institution. I knew that XXXX and consistent direct deposits are considered activity. I asked to speak to a manager and spoke with XXXX. XXXX shared that the XXXX 's which were typically sent the next day, not the date of direct deposits being received resulted in the account having a XXXX end of day balance and the system closed it on the 45th day. 

I have an additional concern as to this deposit culminating the $ XXXX amount that was marketed. It seems that BMO Harris closed the account to avoid paying the marketing fee. An even more pressing concern is that it resulted in me having to wait for XXXX that was received after the account was closed according to my conversation with XXXX. This will cause an issue with me paying my rent which is due before the XXXX of the XXXX. BMO harris let me know it won't be returned until Monday. 

It seems that BMO is engaging in deceptive marketing and closing account pre-emptively to avoid paying marketing rewards, unless you meet additional requirements not disclosed. Additionally, the disclosures for the marketing clearly states that 0 minimum balance requirement, and fees.

- all access to statements have been removed, so I am not able to provide to you. The industry standard after account closing is to allow users 90 days of access, typically for accounting purposes. These statements should show the direct deposit coming in and the zelles being dispersed the next day ( account number used to initiate ) I notified the team member that I will be filing a complaint with the CFPB and asked for her to file a complaint - BMO HARRIS complaint number XXXX
Product: Credit card

My name is XXXX XXXX I am keeping reporting my this issues over and over to yall for years and months and ages and no resolve still yet I didnt open a account with yall everything time I dispute the account account with yall and yall say I open the account when I never did I never authorized a account with yall or sign no paperwork or did a signature with yall to open a account and to get a card with yall or did business with one yall service or vendor my picture id was lost and stolen and used for yall and and ssn was used and I never did a hand signature with yall or yall service or vendor or a electronic one online or by device with yall or service or vendor my informations was stolen and lost and used without my permission and my first name dont match on yall record it is XXXX not XXXX and account information is XXXX XXXX XXXX XXXX Pennsylvania XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pennsylvania XXXX XXXX XXXX XXXX XXXX XXXX Pennsylvania XXXX and credit card account number ending in XXXX dispute need to be reopen or investigative or reinvestigated or make into a new dispute for yall to investigate again and for any other accounts y'all open for no reason need to be disputed as unauthorized and fraudulent and charges disputes to {$0.00} because I am not responsible for this accounts and charges and dont open no new accounts for me when I didnt request it when I just report this issue as fraudulent unauthorized account open in my name without my permission and I want this to be favored in my end this is the last time I report this to yall I am tried of contacting yall about this and yall aint helping me next step I will take yall to XXXX XXXX XXXX and then take yall to court for a lawsuit if I have to after XXXX XXXX XXXX if yall dont favor this in my end etc
Product: Credit card or prepaid card

I have two fraudulent charges on my Barclys card XX/XX/XXXX {$65.00} apple.com/us XX/XX/XXXX {$65.00} apple.com/us The charges first appeared in XXXX. I actually contacted them while the charges were still pending and informed them that I did not make the charges. They allowed the charges to process so I contacted them again and reported the charges as fraudulent. I received written confirmation that I was not responsible for the charges and that they would be removed. The charges were not removed. I contacted them via phone and email several more times. Each time I was assured that the charges would be removed but they have not been. At one point they were removed but then reapplied a few days later .They have added late fees to my account. I continue to contact them. They told me someone would contact me but no one has. The charges remain and additional late fees remain.