23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello there. I have credit card # XXXX XXXX XXXX XXXX with TJMaxx. They sent me a text 3 months ago stating to pay my full balance on {$53.00} which I did online Apparently, there was an {$11.00} balance left, that they didn't tell me. They added a late fee of {$20.00}, making my balance {$31.00}. I negotiated with them, ended up paying {$19.00}, and I requested my card to be cancelled. They reported me to the XXXX, ruined my credit on records. Please help me, thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. 

I recently learned that my personal information was used to open an account at Discover. I did not open or authorize this account. 

After contacting Discover, I realized that the thief used an incorrect address and date of birth when this account was opened. The DOB Discover has on file is XX/XX/XXXX when in fact my correct DOB is XX/XX/XXXX ( as evidenced on my driver 's license ). This is a clear indication of the identity theft. 

I filed an identity theft report with the XXXX Police Department and contacted Discover as well as the 3 credit bureaus, XXXX XXXX and XXXX on or about XX/XX/XXXX, requesting that they take all appropriate steps to remove information about this account from my credit files. As of today, more than 30 days later, this account still appears on my credit files. 

Discover failed to act promptly to remove and block the inaccurate information from appearing on my credit file. This affects my ability to obtain credit.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on credit card. 

XXXX/TOTAL CRD I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the Equifax credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. These fraudulent accounts consist of a Personal credit card account opened at FXXXX XXXX XXXX XXXXXX/XX/XXXX, under the account number ( XXXX ), A personal loan from XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, under the account number ( XXXX ), A loan from XXXX XXXXXX/XX/XXXX, under the account number ( XXXX ), A loan from XXXX XXXX XXXX XX/XX/XXXX, under the account number ( XXXX ). These accounts have resulted multiple fraudulent closed, charged off, and collection accounts appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXX XXXX XXXX XXXX XXXX  as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

On about XX/XX/XXXX I attempted a purchase however Bank of America had locked my card due to suspicious activity - a debit of approximately {$20.00}. When I called, I was told I would receive a replacement card. I activated the new card on XX/XX/XXXX but was unable to add the card to the Wallet on my XXXX. After nearly 2 hours on the phone with BofA ( during which I was asked to try various steps to add the card including removing all other cards from my XXXX Wallet ), I was told I was prevented from adding my card due to suspicious activity - the ~ {$20.00} debit the originated in Florida. The " manager '' informed me that it could take anywhere from a few days up to 6 to 9 months to be able to add the card to my phone or watch. The more I think about this situation, the more frustrated I get. I don't think I should be prevented from having easy access to my funds because of a {$20.00} suspicious transaction. Bank of America is treating me like I am criminal not like a XXXX  year-old who has had a banking relationship with B of A for decades and who has maintained relatively high balances with the bank. Hopefully you can help.
Product: Debt collection

On XX/XX/XXXX I mailed the debt collector ( Enhanced Recovery LLC ) a debt validation letter. I have not yet received any communication from them. They are still reporting the debt to the credit Bureaus. On XX/XX/XXXX which is the deadline for Their 30-day validation window. If I do not receive a proper debt validation that proves they are legitimate owners of the debt along with a signed contract or official document where I stated I am taking on the debt. Then I would like the collection taken off all credit reports and stopped being pursued in my name as is my right under the Fair Debt Collections Practices Act ( FDCPA ).
Product: Credit reporting or other personal consumer reports

The XXXX major credit betrays XXXX, Experian, and XXXX XXXX report XXXX ( XXXX XXXX ) unauthorized credit report hard inquiries that have cussed my report utilization scores to drop substantially. In addition reporting g frivolous past due and delinquent accounts that do not exist as a violation of FTC XXXX and Federal Truth In Credit Reporting and Disclosure Act violation. If not remove today will go to court to file a complaint and request punitive damages due to their wrong act of reporting as they were not authorize. Their actions were deceptive marketing practices. They never said they were doing any hard inquiries. Misrepresentation of facts.
Product: Mortgage

XX/XX/23 Freedoom Mortgage automated withdraw additional {$1500.00} on top of {$1600.00} on my monthly payment. They automated changed my monthly payment from {$1600.00} to {$3200.00}. Never have an escrow account, I pay my own taxes and insurance. They billed a escrow shortage amount of over {$8000.00}. I have been on the phone for more than 4 hours, and got hung up by one of the customer service agent, got transferred back and forth 6-7 times between customer service and the escrow dept and the problem still has not been fixed. I did request to remove the escrow account because I never have escrow/impound and always pay my taxes and insurance very on time since I have the loan.
Product: Credit reporting

There are repeats or multiple accounts of my student loans. I only have XXXX students loans. My report says I have XXXX open loans. It appears there duplicates of the same loan more than once. My total student loan debt should be around XXXX.
Product: Student loan

1 ) Every. Single. Time. I call ISL/Aspire from my phone I am routed DIRECTLY to XXXX XXXX XXXX XXXX. I am NEVER given the opportunity to speak with customer service. This is illegal and not proper " servicing '' of my current and active student loans. I have called every single day this week and every single day ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) I am routed to XXXX 's voicemail immediately. I had to call from an alternative number to be routed to an actual customer service rep, who I had to wait on hold for 15 minutes and HEAVILY ESCALATE until A LIVE PERSON would talk to me about my account. Again, illegal. 

2 ) In XXXX Iowa Student Loan ( Aspire ) issued me a 1099c. The identifiable event code was blank. I won't belabor with the struggle I endured to get a 1099c with a identifiable event code, but when ISL finally sent a SECOND 1099c it listed the identifiable event as CODE F - a discharge of indebtedness under agreement between the creditor and debtor. To be able to appropriately address tax liability I have requested a copy of the agreement that triggered this event. ISL/Aspire refuses to provide such documentation and also refuses to update the 1099c to correct the identifiable event because no settlement agreement exists. ISL/Aspire is purposefully and willfully damaging my credit and causing severe tax consequence as I have had to set up a payment plan with the IRS until this is resolved.
Product: Mortgage

My home was flooded in Helene. I have extensive damage. I have flood insurance with XXXX and they have approved and paid the maximum {$250000.00}. The first XXXX XXXX as " emergency funds '' was issued by XXXX in fairly short order after the flood. However, SPS held onto these funds for 5 weeks while we were trying to dig out and stabilize the property. SPS finally released these funds after many phone calls 5 weeks after receiving it. We received the remaining {$190000.00} in XXXX XXXX XXXX, that we immediately signed and submitted to SPS. It has been over 6 months since the flood and a tremendous amount of work has been done on the property. We made repairs on the foundation, dug out the crawlspace, added new electrical, new hard pipe for all gas appliances, new plumbing, installed new floor joist, treated for mold and termites, wrapped the crawlspace, and installed the subfloor, removed back deck and screened porch, poured footers and cement pad for new screened porch extension, rebuilt 90 % of two story front porch that washed away, rebuilt back deck and extension ( was screen porch ), installed new outside drainage, installed new windows throughout. However, SPS only release {$23000.00} of the {$190000.00} back in XXXX. I was told over a month ago that they were going to release {$48000.00} for the HVAC but that was not done. I have had three inspections I since XXXX, each showing tremendous progress between inspections. I have borrowed and spent {$140000.00} since XXXX in order to keep the project moving forward. I bought new windows for {$46000.00}. Instillation for {$20000.00}. Rebuilt the front porches and back deck for {$50000.00}, etc ... ( Please see check and breakdown from contractor ). I need these insurance funds that I paid for in order to pay the HVAC contractor, buy drywall, flooring, kitchen cabinets, doors etc ... and complete the project, The property, as it sits today has a value substantially higher than the mortgage so SPS 's secured interest in the property is safe.
Product: Payday loan, title loan, or personal loan

I previously submitted a complaint against this company due to them crediting a loan to the wrong debit card, a debit card other than the one that i provided. That was complaint ID : XXXX on XX/XX/2023. I submitted documentation to confirm the above details, that they issued the loan payment to the wrong debit card. They replied to that complaint saying they have no active deductions, nor scheduled deductions from my paycheck. ( See attached screenshot ). 

However, now they are sending me emails threatening to garnish my wages, when I never received the loan in the first place due to them sending the loan to a debit card other than the one i provided, in writing via email. See attached screenshot of them advising they will go to court and garnish my wages ( See attached screenshot ). 

I would also like to note that they stated that they have not been able to communicate with me in their last complaint, which is false, ( see attached screenshot ) we had very extensive email communication, but they want to actually speak over the phone. I advised them that i want to communicate via email so everything is documented, and the only resolution they have offered was for me to set up a payment plan to repay the loan. 
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Product: Debt or credit management

It is my understanding that there's is a class action lawsuit against XXXX XXXX. I was a member for years and canceled my services earlier this year
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased the service of XXXX per month. Under this subscription, XXXX XXXX XXXX was to report rent payments to three credit Bureau 's. XXXX XXXX did so for three months. then I changed my user name on my bank account. XXXX XXXX couldn't access my bank account and record my information, I contacted XXXX XXXX via several emails and it would take XXXX XXXX 3 or 4 to respond to a email. 
I was now stuck in a situation of paying for a service and getting nothing in return, I cancelled XXXX XXXX and my Eperian score started dropping my credit score points. 

Here 's a copy of the email prior to my score drop, A self-reported account was removed One of the self-reported accounts you added through Experian Boost was automatically removed from your Experian credit file because no payment was reported for it in the past 90 days. Please connect a different bank account that you use regularly to pay bills through to continue reporting positive payments to your Experian credit file through Experian Boost. 

I have no negative remarks or late payments for over 2 years and
Product: Credit reporting, credit repair services, or other personal consumer reports

It is quite obvious what happened, as I am only 1 of 143 million Americans. Equifax, through seemingly gross incompetence, has allowed my credit and personal information, and millions others, to be breached and taken from their data records illegally. I assume this is n't the appropriate place to mention the over a month time period that elapsed before Equifax announced this breach to the public, only after their shares in the company were sold, so I wo n't.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following list of accounts are in violation of my FEDERALLY PROTECTED consumer RIGHTS to privacy and confidentiality under 15 U.S.C 1681. XXXX XXXX and account number ending in XXXX XXXX XXXX XXXX and account number ending in XXXX XXXX XXXX XXXX account number ending in XXXX XXXX XXXX XXXX account number ending in XXXX XXXX XXXX XXXX account number ending in XXXX XXXX XXXX XXXX account number ending in XXXX 1 ) 15 U.S.C 1681 SEC 602 ( A ) States I have a RIGHT to Privacy. 2 ) 15 U.S.C 1681 SEC 604 ( A ) SEC ( 2 ) : States a consumer reporting agency CAN NOT furnish an account without my written instructions. 3 ) 15 U.S.C 1681c. ( A ) SEC ( 5 ) : States no consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 4 ) 15 U.S.C 1681s-2 ( A ) ( 1 ) : A person shall NOT furnish any information relating to a consumer to any consumer reporting agency if the consumer knows or has reasonable cause to believe that the information is inaccurate. These items must be DELETED immediately and a rapid re-score is requested. I have written to all of these agencies multiple times especially XXXX XXXX XXXX asking them in writing to please validate this debt with a copy of any signed original contracts or agreement with in 30 days. I have not received anything from them. Ive even called all 3 major credit reporting agencies and still have had no action on their part. Ive put a fraud alert on my social security number. Ive submitted proof that I filed a fraud report and they have refused to remove these items that are not mine. All they are doing is calling me nonstop since Ive sent them a written dispute with updated information.
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : 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 and list of Inquiries. 

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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

Switched to paperless billing on my chase freedom card due to being sent an offer of an additional {$5.00} in rewards credits after 8-10 weeks. Switched to paperless on XX/XX/XXXX and I still do not have that reward that was promised yet. Everytime I call I get a new date that is promised that it will be rewarded on. I called again today ( XX/XX/XXXX ) and am now being told that I am only at 8 weeks from XX/XX/XXXX from some reason. I told them that this wait that wait along with a different answer everytime is getting ridiculous and they didnt offer any additional help
Product: Credit reporting

I noticed on my check that only {$170.00} is being taken out of my check for Child support, this is not the full amount that is to be deducted. The actual amount is {$340.00}. When I transferred to XXXX from The XXXX, I switched from getting paid XXXX to XXXX. This has caused me to receive a lot of late payments to XXXX. My credit score has dropped more than XXXX points because of this. Is this something that can be corrected? 
I worked very hard to improve my credit score just to have some computer error and negligence of filing paperwork on time dramatically drop my score. I never had a late payment. 
In my documents you will see copies of check stubs from when I worked for XXXX and some from when I transferred to XXXX in XX/XX/XXXX. I worked for XXXX since XX/XX/XXXX. You will also see a copy of my credit score before it dropped, and emails to XXXX XXXX XXXX. In the emails you will see that I was trying to correct this error.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reaching out to file a complaint with the bank and card issuer Synchrony Bank. The bank is repeatedly and intentionally failing to report correct information to the 3 credit bureaus, resulting in financial detriment. 

This stems from the period of XX/XX/XXXX to XX/XX/XXXX in which Synchrony Bank confirmed fraudulent charges were reported on the account. The charges were subsequently removed from my account as I did not authorize or recognize those charges. 

Beginning in XX/XX/XXXX, after more than 1 calendar year after the fraud charges were initiated, I received a collection notice from a third party. I have since called the bank no less than 6 times to confirm that the account is not responsible for these charges. In each call, we were able to confirm that the fraud charges were not my responsibility and that the bank and card issuer would reach out to the 3 credit reporting bureaus to confirm. 

Each time, the bank has failed. As a direct result, a third-party collections agency XXXX XXXX XXXX XXXX has begun the sending out collection letters. I am reaching out to file a complaint and to seek assistance in formally asking the bank to rectify their inaccurate information to the 3 credit bureaus. Thank you.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling 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 loss funds was impossible. And tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable. It raises a series concerns about consumer safety.
Product: Credit card or prepaid card

The Federal Trade Commission has referred this case back to CFPB. 
Please assist to get this merchant to remove the remark. 
XXXX CLOSED Submitted STATUS Submitted to the CFPB on XX/XX/XXXX PRODUCT Credit reporting, credit repair services, or other personal consumer reports ISSUE Improper use of your report We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT On or about XX/XX/XXXX, US Bank accessed by credit report without my authorization. US Bank sent a credit card unauthorized that I destroyed. Contacted credit reporting agency XXXX XXXX and US Bank XX/XX/XXXX by mail to remove the hard inquiry. No response to clear my credit reports XXXX XXXX nor XXXX and XXXX of the hard inquiry from my reports. 

ATTACHMENTS XXXX Inquiry.PDF ( XXXX KB ) View full complaint Closed STATUS Contact another agency After our review, we found that the best agency to help you with your issue is Federal Reserve Board. If you would like to submit your complaint with Federal Reserve Board, contact them directly at or call. 


ADDITIONAL TOOLS AND RESOURCES Credit Reports and Scores
Product: Checking or savings account

We received an invitation in the mail from XXXX to open a checking account. The invitation was addressed to our XXXX XXXX XXXX child. And it was addressed to our child 's nickname. 

This is seriously disturbing to me : how can a bank invite a XXXX XXXX XXXX to open an account, and how on earth do they know my child 's nickname?
Product: Debt collection

I have been receiving repeat calls from Hunt & Henriques, their staff has been using abusive and threating language. They have called me on XX/XX/2018, XX/XX/XXXX and XXXX, 2018 and XX/XX/2018. Their tonality is disturbing to me. This is the number they call me from ( XXXX ) XXXX
Product: Prepaid card

I have a chime account and I was hacked and my XXXX on XX/XX/year>. I immediately reported it to chime that funds were sent to an unknown person and random emails were going to another email I have not linked on my chime account with an email stating XXXX dollars was being deposited. Also my XXXX got suspended right as I was getting on due to XXXX email saying your password changed. and locked me out for 180 days. I had to appeal that and show proof its me and got that situated but with chime I have sent proof of the emails and transfers that are out my account and I never even sent money to that person before and can see these amounts were around the same time back to back. I need some help this is my rent money and weeks they have denied.
Product: Money transfer, virtual currency, or money service

In 2022 I made a sale by mistake to a person that I dont supposed to send the money to the Zelle company never Zelle me my money back I asked them I claim they said theyre gon na resolve the problem and never give me my money back daddy he said the money was taken out the personal account theres nothing they can do about it and I feel like that was unfair And the person I send the money to that his name was