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

FCRA violations : inquires not mine FACTUAL DATA Inquired on XX/XX/XXXX On record until XXXX XXXX CERTIFIED CREDIT REPORTI Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX OF XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type XXXX  family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type XXXX  family XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Resident type Single family FCRA violations : not my names XXXX XXXX XXXX XXXX XXXX XXXX FCRA violations : accounts not mine XXXX XXXX XXXX XXXXXXXX Potentially negative XXXX XXXX XX/XX/XXXX XXXX {$2200.00} Status Account charged off. {$2200.00} written off. {$2200.00} past due as of XXXX XXXX. 
XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$14000.00} Status Account charged off. {$1.00} XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$2600.00} Status Account charged off. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid in settlement. {$4100.00} written off. 
XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$490.00} Status Account charged off. $ XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. {$610.00XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 


FCRA violations : payments never late XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Transferred, closed.
Product: Mortgage

Applied for Home loan in the early part of XXXX, got pre-approved. Was told to find a house and submit a contract, we were good to go. Found a home and securing contract on XXXX XXXX, so by this time they had all our paperwork for at least six weeks. Had 21 day contingency on Financing, asked the lender on day XXXX if we have loan for sure, We were told yes we were fine, not to back out-it was closing, otherwise we would back out. So then went through and had inspection {$450.00} then {$1000.00} earnest, then appraisal {$520.00}, {$100.00} option money. Then the week of closing she tells us we needed an extension because an FHA form ( which is usually signed by XXXX parties at title ) was not signed by XXXX parties and the end of the month held us up. We had to postponed closing for 1 more week. Then 2 days before the second closing date she still needed a document from the IRS. She told us to repeatedly call the IRS until we found someone who would fax this document which usually has to be ordered, with a XXXX21 day turn around per the IRS. Three days before closing we were denied and out {$2000.00} and hopefully no breach of contract from seller, as of now.
Product: Money transfer, virtual currency, or money service

I am writing this statement to formally address my concerns regarding XXXX handling of dispute, in light of CFPB lawsuit highlighting significant issues with this use of platform. Despite while using Zelle numerous of times and reporting discrepancies. My financial institution and Zelle both have failed to investigate my claims adequately. They have informed me that recovering lost funds are impossible to track making this unfeasible. The CFPB findings indicate that Zelle has not only neglected to protect consumers but also has allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting

This item has been disputed previously. The complaint was file, because the TRADELINE WAS INCOMPLETE. The response did not respond to the issue of the record being incomplete. 

" Equifax said : Explanation of closure Equifax has reviewed your complaint and its records regarding your dispute. The XXXX XXXX has verified name, address, birthdate, social security number and the DLA, closed date to be XX/XX/XXXX on the credit file. '' The XXXX XXXX Tradeline, lacks any Payment history - and in incomplete. The Pay History is Required, and does not exist on this record. 

A screen shot is attached. 

This account should show a " NR '' or a " PAY '' for the duration of time, in which it was opened based on the reporting guidelines that define a COMPLETE record. 

The record is INCOMPLETE, please Add the payment history accurately - or DELETE the Trade line.
Product: Mortgage

We have had difficulties in paying our loan to Bank of America. Tried to set up electronic payment through our bank ( not a BOA ) when our loan was bought by BOA and the first month was a nightmare of issues of BOA, so we ended up sending a check but made it so we could track when it was received. Took 3 weeks to show it had processes. We were able to set up electronic payment ( not automatic withdrawal ) the next month. But it takes more than XXXX attempt to electronically pay. XXXX month it took XXXX attempts before it was able to successfully be paid and that was after us calling to complain and after BOA sent us a default notice by certified mail! It had only been 3 weeks and XXXX attempts to pay BOA. And when I called about the default notice, I was told there were no problems with my account. And that BOA sends the notice to all WA residents as information on our rights as WA residents and it was not a notice of default. I have spoken with a representative at WA XXXX XXXX XXXX XXXX and was told that BOA may have sent the notice after our XXXX payment being late ( 3weeks! ) but it was definitely a notice of default not just a informational letter as I was told when I called BOA. BOA has been extremely frustrating to work with since our loan was purchased by them 5 months ago.
Product: Debt collection

Columbia Debt Recovery is attempting to collect a debt owed by someone else. I lived at the apartment outside of the date ranges the debt is for and the documents they are providing as " proof '' are for different tenants that lived at the address during different timeframes. 
Simple information such as apartment number, move in/move out dates, employment history, Date of Birth, Name, signature, Phone number, email address, make/model of vehicles, emergency contact, ID numbers, and Social Security numbers all do not match up. 

I have a signed statement from the apartment complex 's Management Office with the dates I lived there as well as confirmation that my account balance due was {$0.00} when I moved out. The statement notes that " Please be informed that No Collection record filed by ... Apartments against her. '' The Move Out Statement shows the transactions on the account and balance being {$0.00} on Move Out. 

This malicious and fraudulent practice of putting together other tenants ' documentation to pin a debt on me has impacted my credit score by XXXX points. This situation is causing me great distress.
Product: Debt collection

Financial Recover Services, in the attached letter, claimed that I owe in excess of {$400.00} for debt relating to a " XXXX Credit Card ''. I have never possess a XXXX   Credit Card, and this may represent identity theft. If this claim adversely affects my credit rating I would like to seek damages.
Product: Credit reporting or other personal consumer reports

This is my fourth request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an inquiries passed on that should be taken out or Block. Per FCRA you are expected to delete this inquiries.I 've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Account with Discover Financial Services was opened in my name fraudulently. Have notified Discover via phone and provided a statement. This is the second time i've disputed this information and it still reports to my credit report. Balance of {$1300.00} nor the account belong to me.
Product: Credit card or prepaid card

On Saturday XX/XX/XXXX around XXXX I walked into the Bank of America Branch on XXXX XXXX XXXX XXXX XXXX XXXX NJ. 

I indicated to the teller that I wanted to take the remaining balance from the account ( around {$1200.00} at the time ) and take it as cash or transfer to my bank account at another bank. 

The teller first indicated that the card was " just a card and not an account '' and as such she pointed me to the ATM complete my transaction. Due to daily ATM transaction limits and uncertainty of the safety of carrying around a large amount of {$20.00} bills from the ATM, I said I wanted to complete the transaction in the Bank. The teller went on to say that she did not think such a large amount should be paid out to " someone who is not a customer '' even after I provided my State ID as proof of my identification and would not complete the transaction. She then said there was an issue with the network that would allow the transaction. I do not believe there was a network issue. I believe this teller was unwilling to complete my transaction. Further, I demanded to speak to a supervisor who turns out was even more uncaring and told me to go to the ATM if the teller told him to.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts or debt isn't mine it belongs to my children and they put it on my credit, another report is paid off but it was removed from XXXX credit reporting company but not the other, another car debt the balance is wrong
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened an account with XXXX XXXX in XX/XX/XXXX because I wanted to increase my score in order to be eligible to purchase a home. I paid every month on time, but my balance never decreased. After noticing my balance never decreasing, I called and requested to have the accounts closed on XX/XX/XXXX. I received a credit report refresh on XX/XX/XXXX, and noticed the accounts were still reporting and also reporting 30 days late! 

I called the company after noticing this incorrect reporting and was told the account was never closed. The agent I spoke with did go ahead and close the account and send me confirmation that the account was now closed, however, she stated she couldn't do anything about the reporting. Although, she stated it was their fault for not closing the account when I requested, but refused to rectify the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

trust account XXXX issued by XXXX was closed on or around XX/XX/2023 and paid in full.Item has been disputed by consumer with attached documents from said bank stating such and Equifax has parroted the E-oscr system without a thorough investigation, in clear violations ; ation of the FCRA
Product: Credit reporting

I have disputed the Equifax credit report over two months ago and never received a response from them. I quoted the Fair Credit Reporting Act issue to them and they have not replied and continue the negative credit report. Attached are documents they have received. I have certified mail verifying that they received the documents.
Product: Credit card or prepaid card

This regards a PayPal Credit account from Synchrony bank. I got an error message on XX/XX/XXXX when attempting to pay my bill in the XXXX XXXX app. My due date was XX/XX/XXXX, and I wasted a significant amount of time trying to make this work. I used text support three times. I also tried to pay the bill from my XXXX XXXX using both the XXXX browser and XXXX. 


The bank account I was trying to pay from is one I use routinely with my PayPal account. 

I called using the phone number on the PayPal site for PayPal credit this morning ( XX/XX/XXXX ). I spoke to someone who said she is hearing from multiple people that they are having this problem. In fact I paid my bill late last month because of the same problem. In paying it I incurred a fee by adding to my PayPal balance at a XXXX or XXXX in order to pay the bill from my balance. The operator today waived my late fee, and also took a payment over the phone from my bank account for {$46.00}. She was polite and clearly following scripts. However, she did address me as XXXX XXXX XXXX. I am an unmarried person who has huge ideological issues with marriage. It is an institution I have opted out of. I have in the past simply let banks know that I find that language profoundly offensive and wish simply to be called XXXX XXXX XXXX. At times such operators seem to be unfamiliar with XXXX as a title. I am just done with letting that sort of gender discrimination live in a simple correction. I really hate using the phone. I don't feel comfortable not speaking up about that errror and for me it is not a small thing. Please include that I hope Synchrony and PayPal will encourage their operators to use XXXX as default or to ask first what title people prefer before they inflict normative language such as XXXX on their customers. To be clear the operator was polite, I explained that I found it offensive, and to be honest she probably isn't based in the US, and didn't seem to be aware that such a thing could be offensive.
Product: Credit reporting or other personal consumer reports

Months ago, I sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please correct or remove the following : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX. No contact information has been reported by this creditor. 
On XX/XX/XXXX, CITIZENS BANK add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.
Product: Credit card or prepaid card

USAA may be deliberately violating its recent Consent Agreement with the CFPB by not properly investigating DISPUTED credit card charges, refusing to show when consumers timely dispute credit card charges, and engaging in unfair collection of fees and adverse credit reporting intentionally violating federal consumer protection law. 

Relevant details are described herein :
Product: Debt collection

I have disputed this collection account 3 times and ARS has refused to send me any documentation concerning this debt- I have enclosed copies of the initial dispute sent through Consumer Financial Protection Bureau XXXX XXXX dated XXXX. ARS stated they did not have any records or any files for this account. Ars stated they could not even locate the account- Please explain why this file or account was not able to be located XXXX? 

ARS stated they sent out debt collection letters XXXX, XXXX and XXXX - I am requesting copies of these letters and documents created by ARS to be uploaded with the response to this complaint and a mailed copy be sent to me for my records ARS has not provided any documents that the company XXXX XXXX XXXX gave them rights to collect this debt OR any bills or accounting showing how this debt came to be- Please upload copies of these documents through the Consumer Financial Protection bureau and mail a copy to me for my records ARS has refused to provide copies of bills, Judgement or any accounting of amount ARS claim is owed- I have never received copies of anything Ars has not provided the name and complete address to creditor- There was no address listed in prior response- The name listed on the credit report is XXXX XXXX XXXX  not XXXX XXXX This is a violation**** FDCP section 809 ( 5 ) I was not given a complete address of original creditor in my prior complaint ( CFPB # XXXX ) and FCRA I believe ARS is using Unfair Collection Practices and are in violation of FCRA section 808 ( 1 )
Product: Money transfer, virtual currency, or money service

Paid {$160.00} for auto insurance on XX/XX/2023 and cancelled on XX/XX/2023. Was initially told that Id get a prorated refund for days paid for and not used ( XXXX XXXX ). 

I was later told that a credit of {$38.00} was applied to my homeowners insurance policy ; so no refund ; much less than Im owed and instead of refunding me its applied elsewhere without my consent. I was never asked how I wanted the refund.

That amount isnt the prorated amount after only using 4 of the 31 days paid for in May.
Product: Checking or savings account

It all started with a XXXX  I had sent that was denied for security purposes on Tuesday, XX/XX/XXXX. I contacted XXXX support and was told on XX/XX/2023 that my {$2200.00} payment made on XX/XX/XXXX had been returned to my bank account. It also shows in my bank account before any transactions occurred afterwards. I have proof of all of this. 
I was confused why i couldnt withdrawal money from ATM. I have a second checking account ( an account that just showed up one day. No idea how ). Both are connected to same debit card. So i tried to withdrawal from 2nd account, assuming i must have selected wrong account. So i tried XXXX and it went through. So i proceeded to withdrawal {$400.00} more. Next thing I know, checking account 2 is negative XXXX plus i got hit with a bunch of overdrafts. At the same time, im getting hit with overdrafts in account # XXXX after US Bank cleared my debits before my {$2200.00} deposit/refund from XXXX. While I'm trying to resolve those fees and figure out my finances and how to get by and feed my kids with hundreds of dollars in overdrafts hurting me, I had to take payday advances until I got paid. I contact us bank multiple times, still with no help. Nobody seems to understand my explanation of events or they say I'm not eligible for overdrafts being waived. Then my paycheck is direct deposited and I make some purchases and withdrawals that day. As well as pay back cash advances and fees, only to have my bank account # XXXX emptied that same day to take care of negative balance in bank account # XXXX that I never even wanted and had been confused with. Which put bank account # XXXX BACK in the negative causing fee and more panic and desperation for money for myself and kids to survive. Also trying to pay back loans I've had to make to get by. That caused even more extra financial hurt to me. US Bank has sent me into financial crisis I can't seem to get out of. 
To make matters worse, the same day they emptied my account, they reversed a debit card dispute I had made months ago for no valid reason. I explained how it was fraudulent. That somebody accessed my XXXX  at my boyfriends house while I was asleep.
Product: Debt collection

Comenity Bank has been calling us multiple times a day looking for XXXX. There is no XXXX  here which we have communicated to them. They continue to call us from XXXX XXXX and XXXX. I have blocked other numbers which I do not know how to access. My husband has repeatedly told the gentleman at the XXXX that he had the wrong number. 
Calls on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These calls are from just the 3 numbers listed above. I have not included the blocked numbers as in all fairness, not all my blocked calls were from Comenity Bank.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's 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 was impossible and that tracking these transactions was unfeasible. The CFPB 's 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. This lack of accountability and transparency is unacceptable and raises serious concerns about customers safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$170000.00}, XXXX XXXX XXXX XXXX {$880.00}, XXXX  XXXX XXXX Balance : {$480.00}