23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

: Dispute of Collection Accounts on Credit Report I am writing to formally dispute the presence of a collection accounts on my credit reports. After reviewing my credit reports, I have identified accounts from XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX etc reporting as a collection items. I dispute the accuracy of this information, and I request a thorough investigation into the validity of all collection accounts. I have not received any communication from original creditors regarding this alleged debt, and I am not aware of any outstanding obligation to them. Please provide detailed information about the accounts, including the nature of the debt, the original creditor, and the dates of any transactions. I also request validation of the debt, including copies of any relevant agreements or contracts. Would also like all items bankruptcy discharged in 2018 to be updated and/or removed. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of this debt. I also request that, during the investigation, the accounts be marked as " disputed '' on my credit report. I appreciate your prompt attention to this matter. Please inform me of the results of the investigation as soon as it is completed. Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I keep getting emails about how Ive been pre-approved for credit cards.
Product: Credit card or prepaid card

I noticed that a credit card provider ( Citi.com ) had significantly reduced my credit limit and increased my interest rate. 

It occurs to me that they had also increased my credit limit without request or permission the year before. It would seem that since credit card companies can arbitrarily reduce your credit limit that they can then use the justification that your are now using a higher percentage of available credit to raise your interest rates. 

The email notifications are easily overlooked in a flurry of advertisements they send out promoting themselves as well as notices of bill payments, which most people wouldn't open since they are fully aware that they had just paid their bills. 

It seems inherently unfair that a company can not only negatively impact your credit rating by unilaterally reducing your credit limit, but then raise your interest rate due to the impact they initiated, granting other credit providers justification to do the same, thereby creating a credit trap akin to payday loan lenders. 

Please look into this behavior which seems to me to border on fraud and if you agree that, please inform Congress. Just because you notify someone in small print that you have the right to financially XXXX them and will do so repeatedly given the slightest chance, that doesn't make it right. Currently lawful, but awful. 

It boggles the mind when you multiply this injustice by millions of consumers, not only at risk, but currently subject to these unscrupulous practices.
Product: Money transfer, virtual currency, or money service

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 consumer safety. 
I want the CFPB to publish
Product: Money transfer, virtual currency, or money service

I paid my rent virtually with Zelle in two payments, as they only allow {$500.00} to be sent per week. When my landlords commented that they did not receive the rent, I called Zelle and was told to contact the bank of my landlords. 
I contacted XXXX XXXX XXXXXXXX, filed a complaint with their President 's office, only to be told by a secretary in that office, that it was Zelle who was at fault. 
I sent a demand letter to Zelle, and after 6 weeks, my rent was finally transferred to my landlord 's account. This is after me having to repay the rent for the month of XXXX. 

Zelle made assurances that this would not happen in the futur with my account. However, this happened again for a {$20.00} transaction, a {$7.00} transaction, an {$8.00} transaction, a {$5.00} transaction, a {$7.00} transaction, a {$41.00} transaction and a {$15.00} transaction. 

I need all of these monetary amounts to be processed and deoposited into my account.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX with a balance of {$29000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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 # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

My Equifax Account is not updated for over 1 year. As per their instructions on their site, where i get a code error I have called to resolve several times. Each time they verify me by using my drivers license and a selfie photo. Over one month ago they requested I send in a copy of my drivers license and social security card both of which where sent immediately. To date over a month later they claim they have not yet received it and as such can still not help me in fixing their problem on their computer system to update my file. I have frustrated been patient on the phone for hours on end and today XXXX XXXX XXXX AFTER 1 HOUR AND 15 MIN CALL, a supervisor got on the phone to assist, of which of course they did nothing again. The names provided by the people assisting me on XXXX XXXX XXXX  were XXXX and the supervisor AJ. They would not provide full names nor what office they are based out of. I have a pending loan that s not going through for millions of dollars as a result of Equifax 's inability to provide accurate information.
Product: Credit card or prepaid card

Used paypal credit to puchase item from XXXX Online. Item was returned to XXXX ( XXXX XXXX ) with receipt. Papal refuses to credit the amount back to the account and directs me to Synchrony Bank. Synchrony Bank redirects me to Paypal and XXXX ... XXXX has issued the credit receipt that the item was returned but Paypal refuses to credit the account. No one wants to refund me the money despite I have a receipt stating the money was sent to PAYPAL.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to remove this personal information that UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove this personal information not later than 4 business days. XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, WI XXXX Date Updated : XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

For the record, there was no response and negative information is being erroneously included on my report, as I have advised you on two separate occasions, more than 45 days and again 5 days ago The investigation took longer than 50 days. This is a Direct Violation of Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( a ) As you are well aware, federal laws requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp, No. 95-6445 ( C.D. Cal Nov. 14, 1995 ), you will be liable for your willful non-compliance. Please Remove All Fraudulent accounts as I have no knowledge of these accounts due to the XXXX XXXX XXXX Identity theft. All is being investigated by the FTC I am also keeping the companies listed below informed for your willful non-compliance : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints
Product: Mortgage

On XX/XX/XXXX I received a letter from the town of XXXX NH XXXX stating my bi-annual taxes for XX/XX/XXXX have not been paid. I contacted LakeView ( mortgage company ) and sent via e-mail the Notice of Impending Tax Lien and the XX/XX/XXXX Tax bill. I sent several emails with no response. On XX/XX/XXXX I checked with the town and still no payment. I asked if I should pay the bill or wait, the town said it happens often and normally things are taken care of quickly and recommended i wait. I called LakeView on XX/XX/XXXX and was told a payment went out on the XX/XX/XXXX. I checked again with the town on the XX/XX/XXXX and still no payment. I received an e-mail on the XX/XX/XXXXfrom XXXX XXXX stating that a disbursement was made on the XX/XX/XXXX. I was told to not to pay the bill by the town on the XX/XX/XXXXsince a check is in route. On the XX/XX/XXXX the check failed to appear and a lien has been placed on my house and my credit has been affected. I work for the XXXX and am required to keep fiances in good standing due to security clearances. I have contacted LakeView Mortgage several times with little help and no follow up on their end. As of XX/XX/XXXX the bill is still outstanding. Per a conversation with a lawyer I was told not to make the payment on my own yet due to a double payment that may take even longer to be reimbursed. The lawyer I contacted suggested to try this process first. I have been with this mortgage company for 9+ years and always in good standing with no late payments. The Tax and insurance are paid through an escrow account that is paid monthly and is current with available funds.
Product: Student loan

I am concerned. I graduated in 2008 and I am still paying student loans and owe over {$100000.00}. I don't understand why. I started looking at my statements and it looks like my balance goes up some months even though I have been paying for years. 

I have an account with Navient and XXXX. Navient is the worse culprit. Now the federal loan has been transferred to XXXX but still in deferment because of the pandemic. 

Please help me figure out how to get this addressed.
Product: Debt collection

I have no knowledge of this debt and want it removed from my credit report
Product: Money transfer, virtual currency, or money service

I'm unable to check my finances on my banking app. The problem is the banks online banking staff won't allow me to have my password reset information sent to my current phone, but always notifies me that I can only get this information through a phone I no longer use. This online banking app is the only way I can keep up with transactions and keep up with where current finances are. For the last 3 years customer service has taken my new phone information and advised me that 3-5 days the issue will be fixed and it never does. I've called customer service numerous times to deal with the issue. At times the customer service will hang up the phone mid call. Last time I called and told them I'm trying to have the 'password reset ' information sent to my new phone they told me the same thing they did the last 3 years. I told her my concerns that she's telling me the same thing the last string of customer service reps told me. She let me know the higher departments of the bank make discretionary decisions on these kind of matters. 5 years ago I tried to get my money out of the bank and tried to get it transfered to a local credit union. They stalled and for an unknown reason the transfer never happened. How am I able to get to the bottom of this issue. The bank I'm with is called XXXX XXXX XXXX. U.S. Bank XXXX XXXX is a XXXX or XXXX, reloadable prepaid pay card program that provides an alternative to paper checks etc
Product: Debt collection

Please stop all communication with me regarding this account. I do not recognize any type of bank account with XXXX XXXX  ; so I urge to remove the account if you reported it to the credit bureaus. Thank you very much!!! I have never done any business with that COMPANY and I never made any contract either!
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint torequest that the listed account which I believe appears to be inaccurate andincomplete be immediately investigated and corrected on my credit file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Demand deletion of this item and compensate for the violation. 
Please assist in deleting these items from my credit report 4 days after you receive this notice. I'm willing to accept the deletions of the unauthorized erroneous items instead of taking legal action for the violations you clearly made. 

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these inquiries to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX & XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXX
Product: Credit reporting

called XXXX they said the company shows included in BK and theres a XXXX balance BUT its still being reported as ( OPEN ) I said that is coming up as a Open Collection on my credit report when it was included in BK Ch XXXX and was discharged Ive wrote the creditor several times and called them they claim they do n't report on transunion but they do, they just put the BK in the ( comment ) area that a BK was filed it must be reported as closed once the bk was discharged, and there showing on my credit report all the negative, on the account which they ca n't do once discharged on BK Please help me with this creditor
Product: Money transfer, virtual currency, or money service

I was scammed, the scammers were impersonating another company called XXXX. I was under the impression I was being hired to work for the company and would be processing reviews for restaurants. When I had to input my own funds on to the workbench, I applied for a loan and was approved by the bank. However, there wasn't much information or due diligence that was done by the bank to ask what the loan was for, to perhaps warn or give information on fraud or scammers of doing this type of scamming. When I spoke to a few other banks, I was told that this has been happening often and the banks have been warned of what the scammers are doing to try to obtain people 's funds. I was approved for the loan by the bank and the funds were deposited into my account. Shortly after receiving the funds, the funds were immediately taken out of my account and wired to a fraudulent account, which I was told was going to go to my workbench to do the reviews for the restaurant and then was told I would receive my funds back immediately. This did not happen, and my funds were gone and money was never recovered. Since this has happened, I no longer have the funds to pay the loan right back as planned too, after I was told by the company, how the process works. I have attached screen shots of the money being deposited in the account and quickly leaving and depleting my account. I am a schoolteacher, so I don't work during the summer and I don't make much money as it is, especially with the rising costs of inflation. I am not able to make this loan payment ( s ) because I was not intending to not receive my money back that was placed on the workbench from what the company that hired me stated they would be doing. My credit is be effected in a negative way because of this and I am unable to make these payments. You can also see some conversations between myself and the company that impersonated themselves as the XXXX company.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX  Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

accordance with the fair act credit reporting act XXXX XXXX  # XXXX has violated my rights. 
15 USC 1681 section 602 states I have rights to privacy.

15 USC 1681 section 604 A section 2 : it also states consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting or other personal consumer reports

On or about XXXX of 2024 I sent in a letter to each Bureau to update inaccurate information that was being reported on my Credit Report after receiving an update which did not have any resolution a reinvestigation letter was sent to each Bureau and still no results which still all Bureaus are still reporting the inaccurate information.
Product: Debt collection

I RECEIVE AN ALERT IN XX/XX/XXXX FROM THE CREDIT BUREAU 'S THAT THERE WAS SOME NEW ACTIVITY TO MY ACCOUNTS.I NOTICE THAT A NEW COLLECTION ACCOUNT FROM MIDWEST RECOVERY SYSTEMS, LLC FOR {$310.00} FOR XXXX XXXX XXXX WAS OPEN ON XX/XX/XXXX THE COMPANY REPORTED IT ON XX/XX/XXXX. I PLACED A CALL TO THE COMPANY ON XX/XX/XXXX AND WAS TRYING TO GET SOME INFORMATION ABOUT THIS ACCOUNT. INSTEAD THEY STARTED TO ASK ME QUESTIONS, SOCIAL NUMBER, ETC. I TOLD THEM I WAS NOT GIVING THEM ANY INFORMATION. IF THEY WAS ATTEMPTING TO COLLECT THIS DEBT THEY SHOULD HAVE ALL THE INFORMATION.I GOT NO INFORMATION. I DISPUTED THIS WITH THE 3 MAJOR CREDIT BUREAU 'S AND SENT MIDWEST RECOVERY SYSTEM I CERTIFIED LETTER REQUESTING THEM TO REMOVE THIS FROM MY CREDIT BECAUSE THEY FAIL TO FOLLOW THE GUIDELINES WHEN COLLECTING ON A DEBT. I NEVER HAVE HAD ANY COMMUNICATION FROM THEM PRIOR TO ME CONTACTING THEM.I WAS NOT AFFORDED THE OPPORTUNITY TO ASK FOR THE VALIDITY OF THE DEBT OR COLLECTION PRACTICE PRIOR TO PLACING THIS ON MY CREDIT. BY DOING THIS THEY HAVE CAUSE MY FINANCES AND CREDIT SCORES GREAT HARM. THEY SHOULD BE HELD ACCOUNTABLE FOR THIS.HAD I BEEN CONTACTED FROM THE BEGINNING ABOUT THIS DEBT I WOULD HAVE BEEN AFFORDED THE OPPORTUNITY TO DO MY DUE DILIGENT AND RESOLVE THIS MATTER WITHOUT IT GOING ON MY CREDIT REPORT. THEY GAVE NO ACCOUNT NUMBER FOR THIS COLLECTION.
Product: Checking or savings account

The new card sent from the company was sent to the wrong address and I was being charged alot of unauthorized transactions on my account while not having the card in my possesion. All transactions from XX/XX/XXXX up to XX/XX/XXXX are all unauthorized. I contacted the company already and haven't gotten any response. It all started from XX/XX/XXXX all the way up to XX/XX/XXXX. All my money is gone and I need that money. Below I attached all the unauthorized transactions that I did not get a credit for and all the one 's that occur this month. The name of the merchants/company charging my account are XXXX all the transactions from XX/XX/XXXX up to XX/XX/XXXX. I still do not have access to my money and the card they were supposed to sent to me and I was charged without my knowledge. The total unauthorized charges on my account is {$4300.00} including the new ones and the XXXX.
Product: Checking or savings account

My Capital one debit card was stolen XX/XX/year>. I filed the dispute XX/XX/year> with capital one. The fraudulent charges in the amounts {$2500.00}. and {$3200.00} was disputed. At the time that I disputed these, I was very sick. I had just got out of the hospital and was on bedrest when all this happened. I informed capital one to the best of my knowledge about the transactions and what had happened with my card. When I started to feel better I called the merchants myself. One of the merchants told me that it was a male that had use my card to check into a hotel. 
Capital one never did an investigation about this and denied my claim. Capital One did not protect me and my funds.