23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Received a phone call from XXXX stating " they were considering me fore legal action and to contact the law firm XXXX for case number XXXX '' When I called the number not only did they have my Maiden name, the woman on the phone repeatitly refused to give me any information regarding the attorney who filed suit, or the original account number or amount. She threatened me and hung up on me when I asked for additional information claiming " if i didn't want to pay then they would just go ahead and file '' I found the address of the company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX I have frequently review my credit report and know this is not a current account, nor is it een an account for the last 10+ years that's been open. The account she was trying to claim I owed on has been paid off and closed and has been for almost a decade.
Product: Credit reporting, credit repair services, or other personal consumer reports

This credit reporting agency Equifax removed a credit security freeze alert that I had placed on my account without my permission and then allowed XXXX XXXX and XXXX XXXX  to access my credit report without my knowledge or permission. I think that all of these companies are ripping off and taking advantage of the consumer already in a dire situation and in the middle of a pandemic.
Product: Money transfer, virtual currency, or money service

I am writing to 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 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.
Product: Debt collection

There is a Macy 's credit card on my name I never made any purchases on Macys credit card. I have disputed those many many times but they are not removing it. The amount is {$720.00}. It is charged off as bad debt. The purchases was a result of identity theft. I asked them to provide me the proof of all investigations and they never did.
Product: Credit card or prepaid card

My name is XXXX XXXX and I am from XXXX, NC. On XX/XX/XXXX, I ordered online the item listed below ( an antenna for my TV ). 
I kept checking the status of my purchase but I find out that it was delayed, so I never received it. 
On XX/XX/XXXX I called the XXXX to ask about my order 's status and I was told the item got lost. They started an investigation but never heard back from them again. They also told me to call Best Buy. 
I contacted best buy via email, on their website several times and also called the customer service. 
I want to let you know that I am getting a bill every month for the item purchased. I used my husband 's best buy credit card, so I called them to let them know I will not pay the bill because I didn't get the item. The bill is in his name not in my name - XXXX XXXX. 
Last time I talked to Customer Service - Best Buy was XX/XX/XXXX @ XXXX. 
I learned that my item got lost, so I requested the order to be cancelled and not to send me a bill anymore. 
They asked me how I paid it, told them I used my husband 's best buy credit card and also let them know that my husband passed away in XX/XX/XXXX. 
At that time I was told to wait 7 to 10 days for the probate department to call me, but I never received a call. 
Today is XX/XX/XXXX and I am still getting the bills with late fees to pay. I can not pay the bill. I never received the antenna, nobody got in touch with my about the status of the order or the investigation. I feel like I am taking advantage of. 
Please help me with this and advise me what to do. 

Thank you XXXX XXXX XXXX XXXX Order Details Print Purchase Date : XX/XX/XXXX Order Number : XXXX Total : {$32.00} Show Payment Details Shipment Delayed WARN Warning XXXX  Logo Delayed We're waiting for XXXX to provide a new delivery date. 

Shipping Address XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, NC XXXX US Mon, XX/XX/XXXX in XXXX XXXX  NC XXXX XXXX 

We've begun an investigation to locate the package. We've begun an investigation to locate the package. 

Tue, XX/XX/XXXX in XXXX FL Sun, XX/XX/XXXX in XXXX FL XXXX  Logo XXXX  Tracking Number : XXXX Tracking info XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SKU XXXX XXXX Quantity : 1 Item Total : {$32.00} Product Price : {$29.00} Sales Tax, Fees & Surcharges : {$2.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I ve been dealing with this matter since 2015 to present. Its a run around with XXXX XXXX. 

XXXX XXXX XXXX XXXX RE : XXXX XXXX  its reporting inaccurate information to credit agencys As of this date, I am challenging the accurate of my student loans ; yet not all student loans are closed and 2 is pending to transfer the loans to another claim office, and then the inaccuracy reporting that shows on my credit reports as well. Meanwhile as to reviewing my credit report, again its shows 2 open student loan accounts, and as a result its lowering my credit score added. However, I ve tried several times to track down the various loan holders and its always a dead end. Nonetheless, XXXX XXXX XXXX  does claims they ve tried to retrieve my last two loans from both XXXX XXXX XXXX and XXXX XXXX XXXX, yet this process will take from 30-150 days and when the debt companies do fail to reply, then they will resubmit the same process again. Nevertheless, theyre given the run around and its effecting my credit reporting overall. However, below is an ongoing Value Chain process with my current student loans activity : XXXX XXXX XXXX XXXX  sold my loan to a XXXX XXXX XXXX, then wholesaled to another debt  company called, XXXX XXXX XXXX XXXX then resold to XXXX XXXX, and finally the loan should ve came to XXXX XXXX XXXX XXXX XXXX that would ve closed all accounts, yet were never received.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Bank XXXX is incorrectly reporting on my credit report. 
The account reported close and then open and then late. This account should not be reporting on my credit report XXXX credit has also been removed and Transunion put it back on my account illegally. 

Transunion also never removed XXXX XXXX XXXX XXXX XXXX XXXX are reporting XXXX auto loans and a ftc report has been filed and shown. 
15 U.S. C 1681c. ( a ) ( 5 ) 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 XXXX years 15 U.S. C 1681s-2 9A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate 15. U.S. C 1681 C Section 605 B 15 U.S C 1681 e ( b ) I have contacted my lawyer and the next step is to sue and demand monetary relief due to them breaking these very laws
Product: Money transfer, virtual currency, or money service

I have used TransferWise, or now Wise to transfer money from the XXXX to XXXX, with most transfers to my XXXX bank account from my XXXXXXXX XXXX account, personal accounts A few months ago, after XXXX years of these transfers, I found that they had lost the original ID documentation and wanted to to through the process again. It required passport, drivers license, photographs and other methods. As their own regulations state that my account, bank to bank, does not require ID since both banks have in-person ID verification I contacted them, stating their own regulations. 

XXXX XXXX XXXXXXXX They refuse to budge. As I'm in the computer security business I have serious concerns about their alleged security, so do not want to do it. I already had a phisher try to get into my PC as they had apparently intercepted communications and knew all about the problem. Naturally Wise claims that they are perfect. 

I have even offered a local notary documenting my ID or a conference call with my bank manager with me in person in the bank, but they refuse to accomdate. 

My experience with the software that they use is that it doesn't actually work propertly so I don't want to spend weeks going back and forth, since I've used them for years without incident. 

Can you intercede please?
Product: Credit reporting or other personal consumer reports

My account with Transunion was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Transunion Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

an account for XXXX XXXX reports on my XXXX and Experian I never opened account infact when I first became aware I sued the dealer..
Product: Credit reporting or other personal consumer reports

XXXX XXXX ( XXXX  ) XX/XX/XXXX, 2024/ XXXX  XXXX XXXX XXXX XXXX XX/XX/year>2024 /
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert of new data reporting and account take over today. In result of an investigation initiated XXXX XXXX XXXX retaliated reported conflicting adverse affect my consumer file reported to 3rd parties. Experian continues to allow XXXX XXXX XXXX to file erroneous information that make no sense XXXX XXXXXXXX XXXXk allege high balance {$2600.00} was granted with a most recent payment was {$2800.00} on account XXXX sold to XXXX  updated XX/XX/2018. Experian continues to be negligent and does not investigate trust wiith any Creditor that /pays a monthly fee for unlimited access to consumer files. On another account XXXX XXXX XXXX updated account history with failure to pays with 0 % credit usage and 150 % credit usage based on updated information on closed accounts, charged off
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Reporting Act, XXXX XXXX XXXX acct # XXXX..., has violated my rights. 15USC 1681 Section 602 states I have the right to privacy.

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

Furthermore, 15 USC 1666B states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

This has been done and in violation for XX/XX/2023 reporting as a 30 day late payment. Please remove.
Product: Mortgage

I didn't think it would ever escalate to this point, but the mortgage servicer on our house, Gregory Funding LLC ( in association with XXXX XXXX XXXX XXXX ) has declared a foreclosure and is directly violating federal law. 
They have claimed falsely that we have not paid the mortgage in over 2 years, starting from the beginning of 2020. 
They continually send back checks and refuse to let us pay them, then claim we missed a payment. 
They have repeatedly refused to look at the evidence and bank records I've given them. I've submitted full bank records to them now 5 times, and they keep saying they'll get around to it, but never do/did. 
They have repeatedly refused to acknowledge or investigate where they came up with saying that my family is in XXXX $ dollars in debt. It came from nowhere. The dollar amount keeps changing randomly, and now sits at {$45000.00}. 
They have repeatedly failed to comply with information requests. 
They have twice now raised the mortgage from XXXX, to XXXX dollars, to nearly XXXX dollars on a FIXED RATE mortgage where the amount hasn't changed in over 20 years! 
They have now suddenly began to escalate after 2 years of waiting! 
We have done everything on our end, provided proof, called, demanded, sent mail, sent emails, nothing has worked! 

They are refusing to cooperate, refusing to listen, and are threatening to illegally steal and invade our home despite us making payments on it for over 20 years. Please. I do not want to lose my home illegally. Send someone. Do something. Anything. This is a cry for help and a dire emergency.
Product: Checking or savings account

XXXX, I have made a check deposit of XXXX into my capital one 360 account. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I got paid in a check and made a deposit. It says its in my available balance. But capital one says i cant withdraw my funds. Ive been in contact with them with this issue and i also gave them the number of the person who wrote the check and they insist that its not her number. I really need those funds because i am on the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was counting on that money just to have a XXXX XXXX XXXX XXXX Please help, i also had my name changed and they cant even help me with that. If this is clear please make the check payable to XXXX XXXX
Product: Checking or savings account

On XX/XX/year>, I received an e-mail alert that my debit card had been declined at XXXX for insufficient funds. I was not shopping at XXXX, and the account was well funded. When I checked the online portal, it showed my debit card had been used for multiple, consecutive purchases at XXXX until the account reached a negative balance. I called Wells Fargo within minutes, stopped my card, and filed a claim for all transactions. Provisional credits were given within the week. This week, I received a letter that more information was needed, for which I called the provided number. When speaking with a representative, I was told that more information was not needed, that my claims had been denied due to XXXX providing sufficient evidence that I had made the purchases, and the decision was final. I was told I could call XXXX customer service to " see if they could tell me '', though that was another dead end.
Product: Credit reporting or other personal consumer reports

I requested that the credit bureaus remove a bankruptcy from my report in year 2020. In response, they stated that the information may have been verified by various reporting agencies, including XXXX, XXXX, and XXXX. However, each of these agencies provided vague responses, claiming the information was verified by another agency without specifying which one. They used unclear language such as may have been verified rather than providing a definitive source of verification. Ultimately, they refused to investigate further. I sent a copy of a letter received from the court they listed on my credit report and the letter stated that " the courts does not report public records to any reporting agencies. I have provided this letter previously to this CFPB. There are also collection accounts that have not been verified and shows on my report. I would also like to state that my personal information including social security number, personal home address and telephone number has been compromised due this agency. I have been notified that my information is on the dark web.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX account was removed from my credit report in XXXX of 2020, and reappeared in XX/XX/2020. It showed 30 days late back in XXXX when I called to find out what was going on they advised I called to close the account. Ive never contacted XXXX  XXXX to close the account, that was the first line. I was unable to view the account online to even make a payment. The access was restricted. They sent me information to review my information to verify if this account is mine. I was locked out of my account for months, received no statements had no idea what was going on with the account. I finally was able to get access to account in XXXX after months of no assistance. I was denied access to my account, they removed the account from my credit report and added it back closed with a 30 day late that was originally XXXX they updated it to XXXX once in the beginning of XXXX before the payment was even due and towards XX/XX/XXXX. The reporting is inaccurate. The account has been closed since XXXX yet it was just updated this month XXXX as being closed. So XXXX XXXX reported my account being opened for months when it never was opened.
Product: Credit card or prepaid card

As per the provisions of the Fair Credit Reporting Act, my rights have been violated by the creditor. Section 602 of 15 USC 1681 affirms my right to privacy, which has been infringed upon. Furthermore, Section 604 A ( 2 ) states that a consumer reporting agency may not furnish account information without obtaining my written consent. Additionally, according to 15 USC 1666 ( b ), a payment made towards a credit card account under an open-end consumer credit plan can not be treated as late for any purpose by a creditor. I kindly request that this matter be thoroughly investigated and that any necessary corrective action be taken to rectify this violation of my rights. 

Capital One Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I have just completed my degree, but I have received no statement telling me who owns my different loans. I have been receiving random letters from various loan servicing agencies such as XXXX and ACS, but they all have different dates at which payment is due and different terms for repayment. I submitted a request for an Income Based Repayment plan on XXXX. Using their IRS disclosure system, it was very quick and simple to complete, but it was only valid for my Dept of Ed and XXXX loans. ACS apparently wo n't allow customers to apply online. Instead you must download, complete, and mail a XXXX page form buried deep in their website. It 's a pain to complete and most certainly is designed to keep students from pursuing this option.
Product: Credit reporting or other personal consumer reports

ChexSystems Dispute XXXX : " I did not authorize or consent to any accounts being reported under my name or Social Security XXXX. These accounts are unverifiable, unauthorized, and must be deleted immediately under the Fair Credit Reporting Act ( FCRA ) and relevant consumer protection laws. '' Case Laws Supporting Unauthorized Accounts in ChexSystems : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) A consumer reporting agency is liable for failing to block fraudulent accounts related to identity theft. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) Reinforces that credit bureaus, including ChexSystems, must conduct a reasonable investigation into disputed accounts. 
Pintos v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) A financial institution must have a permissible purpose to report or access a consumer 's financial history.
Product: Debt collection

XX/XX/XXXX I received a call regarding 7 different medical bills that were placed with Keybridge, 2 of the accounts had identical account numbers. That was the first red flag. After going over dates of service and other details I felt the amounts were inaccurate because of the type of bill and insurance responsibility versus my responsibility. I called the original creditor. The original creditor reviewed all 7 accounts and found errors with the billing. They assured me that all the accounts were paid in full and they would contact keybridge to remove all the accounts from their system. 

XX/XX/XXXX I checked my credit and keybridge was still reporting several of these debts. When I called to inquire as to why, they were very rude and telling me I was responsible for the debts and I needed to pay them. When I explained what the issues were they replied that the original creditor did call them but said 3 accounts were still valid debts but the other 4 were removed. I told them I didnt believe this to be true and I would be contacting the original creditor to verify the accuracy of those accounts. When I said this the agent got very rude and informed me that I needed to contact my insurance company and I was NOT to call the original creditor. I told them I would do what I felt was necessary. He continued to insist I call my insurance company and was very insistent and rude telling me not to contact the original creditor. 

XX/XX/XXXX I contacted the original creditor who assured me that on XX/XX/XXXX they found the errors and the debts were invalid and had a XXXX balance. They also informed me they had contacted keybridge and told them the same thing. They also sent an email to keybridge on XX/XX/XXXX to tell them that these 3 debts are invalid. 

My concern is when I knew there was a discrepancy they tried to bully me into paying and not fully verifying the accuracy of what I owed. They tried to get me to take steps that would not provide the correct results. If I were to contact my insurance, it would not have found the billing issue on the creditors end. When I told keybridge the creditor had a billing issue they was insistent that I do not contact that original creditor to resolve the problem. This is unfair and very deceptive.
Product: Mortgage

TCF : I TRIED TO REFINANCE WITH TCF NUMEROUS TIMES. THEY DO N'T WANT TO REFINANCE WITH ME I THINK BECAUSE I HAVE BEEN PAYING MY MORTGAGE ON TIME. THE RATE I HAD THEN WAS 7.5 %, WHICH WAS A MORTGAGE OF {$920.00} A MONTH. NOW IT IS {$1000.00} A MONTH. I FEEL LIKE I 'VE BEEN TAKEN ADVANTAGE OF BECAUSE OF ME BEING IN A XXXX PROGRAM, AND THE FACT THAT I'AM A VETERAN. THEY ALSO TOLD ME THAT TCF WAS GIVING UP THEIR CONTRACT TO XXXX XXXX. THIS WAS 3 YEARS AGO. LIKE THIS WAS REALLY SUPPOSED TO MAKE A BIG DIFFERENCE. NOTHING WAS DONE ON THEIR PART. I 'VE HAD ALOT OF FINANCIAL DIFFICULTIES AND GETTING NO HELP FROM THEM ON THIS PART. WHAT CAN I DO ABOUT THIS? I 'VE HAD TO DO A BANKRUPTCY IN 2016 BECAUSE OF MY DIFFICULTIES. HELP!!!
Product: Debt collection

My name is XXXX XXXX, this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account below from my report : NATL RECOVER ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened : XXXX/XXXX/XXXX Balance : {$150.00}