23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I opened a checking and a saving account with  Santander  Bank in  XXXX   2017 . AT the time, they were offering a bonus of {$220.00} for anyone who can satisfy a list of requirements.     - Direct deposit total over {$500.00} - Account open for 90 days - Bonus pay out within 30 days After the account was open, they gave me a direct deposit instruction so I can pass it to my company, but unbeknownst to me the instruction was to transfer money into my saving. Because of that, they are denying me my bonus after 90 days and after fulfilled the other requirements.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Inclusion of Income Information on Credit Report Dear CFPB, I am writing to file a formal complaint against Transunion for including income information on my credit report, which I believe is a violation of the Fair Credit Reporting Act ( FCRA ). Enclosed is documentation of my previous inquiries request for Investigation and reinvestigation for account ONEMAIN XXXX have been updated the pay status as charged-off which is considered as income. The IRS Clearly defines a charge-off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes the reporting of this account inaccurate! I provided a screenshot from the IRS website. By XXXX, the IRS Clearly says a Cancelled debt or Charge-off is XXXX. 
Upon reviewing my credit report I got from Transunion today XX/XX/year>, I noticed that income information has been reported. According to the FCRA, specifically 15 U.S. Code 1681b ( b ), consumer reporting agencies are restricted in the type of information they can include on a credit report. The XXXX does not permit the inclusion of income information as part of a consumer 's credit file. The presence of this information on my credit report is therefore in violation of federal law. 

Enclosed are copies of relevant documents to support my complaint, including a copy of the credit report showing the inclusion of income and my identification documents. 

I am demanding a deletion of the following account : XXXX XXXXXXXX
Product: Debt collection

A Debt collector is trying to make me pay on debt from XXXX. They said that Chase purchase the Providan Credit Card account, these people are using bully tactic asking for pre paid credit card mentioning my stimulus check and unemployment check, I think Its a scam but they using their skills to try to take money from me. They said that their attorney will press charges on me. Here is the phone number XXXX XXXX XXXX XXXX these are rude people.
Product: Money transfer, virtual currency, or money service

About XX/XX/2021, I fell victim to two multi-layered scam operations run by XXXXXXXX XXXX  which involved me making deposits for a total amount of XXXX USD from my US Bank account to fraudulent investment firm ( s ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1.15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete From My CREDIT REPORT 2. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

3. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

5. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

7. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
Product: Vehicle loan or lease

This account is reported as being paid on time in XXXX of 2013 yet 90 days past due between XXXX - XXXX of 2013 ... which is incorrect. This vehicle was traded in and paid off in XXXX of 2013. Please correct this or remove it from my report. 

I have sent letters to GM Financial requesting an accounting of all payment up until the loan was paid off in XXXX of 2013 and have NEVER received a response.
Product: Debt collection

Fraudulent invoices by XXXX  Alleged Date XXXX - XX/XX/XXXX & Amount - {$230.00} Alleged Date XXXX - XX/XX/XXXX & Amount - {$1100.00} Alleged Date XXXX - XX/XX/XXXX & Amount - {$13.00} Details - I received a 2 invoices for services my company never used. XXXX does not have a XXXX account. Never open or used a XXXX account. First FRADULENT invoice was for some international XXXX shipments in the amount of {$1100.00} and the second FRADULENT invoice was for {$240.00}. 
XXXX does not have and Never open a XXXX account and Never Shipped via XXXX, So XXXX should have never received these invoices. One of the FRAUDULENT has been sent to EGS Financial Care , Inc, which I also received a FRAUDULENT invoice from EGS with address listed at XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX VA XXXX XXXX 

Action Taken by Me ( XXXX ) Contacted XXXX at XXXX and i was told they see the charges and a representative will call me back. This FRADULENT invoice Issue has not been resolved as of XX/XX/XXXX. These are FRAUDULENT invoices. XXXX has never open XXXX account and never incurred these alleged charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got multiple reports related to SPEEDY CASH in the past using the same account which i disputed and resolved with multiple collection agencies, but now XXXX has reported the same false claim on my credit report. This has further hurt my credit. Despite calling them and trying to resolve they did not remove this false collection from my report
Product: Vehicle loan or lease

Paid off loam earlier than expected XX/XX/XXXX Asked for gap refund Which I added to contract Send Suncoast credit union also XXXX XXXX message about Gap refund Both parties in question denied I ever had the coverage I moved in XXXX of XXXX Found original contract Paid XXXX dollars for gap Insurance No one ever called Insurance company to cancel or Refund money I reached out to Insurance company for gap only to find out Insurance were currently active because Suncoast never canceled policy
Product: Credit reporting or other personal consumer reports

i notice a account on my credit so i contacted the company. ( XXXX XXXX ) during the conversation they kept referring to me as XXXX XXXX and assiated a address that had nothing. to do wit me ( XXXX XXXX XXXX XXXX ). i inform them that that wasnt me and they continue to to ask me question trying to pry information out of me so they could try tocorrect there file. the second company ( EASTERN ACCOUNT SYSTEM ) i had the exact experience as the first company.
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  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : 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: Debt collection

I received a collection letter from UNIFIN dated : XXXX UNIFIN asking me to pay {$2000.00} for XXXX  XXXX Credit Card debt ( The debt owner is XXXX XXXX XXXX ) I do not recognize the amount nor the credit card, On XXXX I sent them a registered letter asking for more information about this debt. I requested to receive the answer within 30 days of my response, but up to date, I didnt receive any response from UNINFIN-See attached Letter and documents. 

Then I received another ( 2 ) letters from XXXX XXXX XXXX dated : XXXX asking about the same debt amount of {$2000.00} ( The debt owner is XXXX XXXX XXXX ) This so confusing and its stressing me out, both debts are owned by XXXX XXXX XXXX, and I do not recognize this debt at all, and they are not providing me with enough information.
Product: Credit card

I have a fraudulent charge that American Express has yet to take off. It is from XXXX XXXX XXXX for {$8100.00}. This charge is not mine. I will NOT pay for it.
Product: Credit reporting or other personal consumer reports

My credit was run without my consent On my XXXX  and XXXX  report XXXX mortgage credit XXXX XXXX XXXX card services XX/XX/XXXX XXXX FCU ( finance ) XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$820.00} XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX Balance Owed : {$520.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$150.00} XXXX XXXX Balance Owed : {$0.00} .
Product: Credit reporting, credit repair services, or other personal consumer reports

Company stated they are attorney backed. Company sent lawsuit threatening letters to a creditor we have never had business with. Company sent this same letter more than once to creditors - one creditor filed suit due to still being within statute of limitations. 
A company that is attorney backed should have known statute of limitations and should have advised us this could happen. Company stated we would NOT have a charge for XXXX - have voicemail to verify this. As of this date - no refund for the XXXX charge has been made. Company states they go above and beyond - we couldn't get a return phone call nor email until AFTER we advised we would be filing complaints with every agency that was pertinent to their type of company. 

We requested full refund for lack of due diligence on their part - as of this date - NO response other than to be disrespectful and rude.
Product: Credit card or prepaid card

To : AVANT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX Re : Explanation request and APPEAL dispute findings Dear Sir or Madam, I am writing this letter to have fraudulent charges removed off my credit card. The credit card advertises ZERO Fraud liability and should follow the Fair Credit Billing Act for customers as myself that are victims of fraud and theft. I received a letter that you have completed your investigation and found that the transactions is/are authorized and valid dated XX/XX/2022 the same day you placed charges of {$680.00}. 

I informed your company Fraud management services- of all that occurred and the steps I had taken. I will report again what has occurred and the steps taken. Respectfully, at this point I am requesting a supervisor or management to handle my request. 

My purse was stolen on XX/XX/2022, my AVANT credit card was in my purse and used fraudulently WITHOUT MY PERMISSION. The merchant at XXXX should have followed theft/fraud safeguards and requested identification from the person using my credit card and compared signatures for the two purchases : {$200.00} and {$480.00} which was not done! The charges were reversed on XX/XX/2022 and re-applied XX/XX/2022. 

Steps taken : -Police called and incident reported ( provided to fraud management services ) -Spoke with Detectives and was informed they do not give police reports to civilians. The credit card company can call them, and they can inform them what is in the report to confirm @ AVANT request ( YES, AVANT credit card is listed in the report ). This was not done to assist in my fraud dispute. I was willing to do a three way so I can be on the line and so all parties are in the loop. 
-Contact Assistant District Attorney to get the confirmation and take those charges off my credit card. 
-A request with the XXXX  unit at XXXX XXXX XXXXXXXX was requested, -there is no date or timeframe for receipt. 

-- -- -Original Message -- -- - Subject : XXXX Online Verification Request Confirmation XXXX  Thank you for your online verification request XXXX Complaint Number : XXXX DOF Form Number : Transaction Date : Thank you for your order. This e-mail will serve as confirmation that your online verification request was received. Please do not reply to this e-mail. 

Please keep this for your records. 


I had no charges on my card and now am expected to pay for fraud and theft charges that I did not make - AGAIN- I need for those charges to be taken off my credit card. I expect a thorough re-investigation to my fraud dispute, outreach and investigation into this matter and removal of the charges from my credit card.
Product: Money transfer, virtual currency, or money service

I wanted to express my issues and concerns using XXXX handling with disputes particularly on the light of the recent CFPB lawsuit highlighting significant issues with the platform. I have been 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 CFPBs findings indicate that Zelle has not only neglected to protect consumers it has also 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: Checking or savings account

company refuses to close my account and charges me fees keeping it open.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

SPS/Select Portfolio servicing is changing their address in reporting to XXXX this fraud ; ent accccount. SPS/Select Portfolio Servicing is providing false account updates to show the account being paid down and reporting it as an update to XXXX. SPS/Select Portfoio is providing and false information of having corresponding with me in their reporting of this FRAUDULENT ACCOUNT and having it updated each time I dispute it with XXXX. It was showing as current by XXXX   based on their false reporting of information they supposedly recieved from me. 
Then in a week or less after each dispute I make to XXXX I receive an update from XXXX that the the fraudulent account is now late and the reporting address hanges from a po box to a physical address in Utah. I asked SPS/Slect Portfolio to CEASE AND DESIST under the FCRA/FCDPA. SPS/Select Portfoilio continues to report a fraudulent account in my name. 
I contacted SPS/Select Portfolio Servicing as they had accessed my credit file and reported to XXXX, XXXX, and XXXX an account established in my name fraudulently. I contacted SPS/Select Portfolio Servicing on XX/XX/XXXX, and XX/XX/XXXX disputing the account to SPS/Select Portfolio Servicing and providing them with two separate police reports of identity theft naming SPS/Select Portfolio Servicing. I then notified Select Portfolio Servicing to CEASE AND DESIST under the FCRA on XX/XX/XXXX ; XX/XX/XXXX, and XX/XX/XXXX. I AM THE VICTIM OF FRAUD. 

On XX/XX/XXXX ; I mailed another letter of dispute with a CEASE AND DESIST to SPS/Select Portfolio servicing via CERTIFIED MAIL to their Utah and XXXX Florida office.
Product: Mortgage

Sold my home and VA Mortgage with closing on XX/XX/year>. The VA mortgage/loan was assumed by Veteran XXXX XXXX XXXX As part of the assumption process several VA required forms were to be uploaded by Freedom Mortgage to VA so my full VA entitlement would be re-established. I have sent several emails to the Freedom Mortgage staff person assigned ( XXXX ) with no response. I have called and emailed a couple of other Freedom Mortgage staff i worked with earlier in the assumption process and they have re-forwarded my email to her with no response ..... 


Thanks, XXXX XXXX XXXX
Product: Credit card

My sister and I share credit card accounts at the Bank of America. This summer I clicked on the wrong external account option while paying my obligation, maybe twice. I was traveling and using the app. I called immediately and explained. The agent reassured me. We have been generally on-time and responsible. 

A few weeks ago I made a payment and discovered we no longer had access to credit.
Product: Checking or savings account

Parties involved in this dispute : MrXXXX and Mrs. XXXX VS TCF Bank On XXXX XXXX my husband came to me and said we have an XXXX XXXX on our account, Can you find out what this is. So I logged on XXXX XXXX and talked to an agent Who said you have logged on to unsecure site and said he could fix it for me. He said to be able to access XXXX XXXX we need to do a few things. One being a picture of my credit card and face. Let me tell you honestly he had me put in some long numbers By the time I realized it he had had drained our checking account. I called the bank immediately by the time I got through all the prompts there was 3 transactions. The bank assured me not to worry we already flagged the 3 transactions. At the same time my husbanded dropped everything and headed to the bank. He sat down with the bank manager she pulled up our account, she showed him the screen with 3 items where flagged and not to worry. Than a quick visit on Monday morning the bank said we let 2 charges go through and flagged one. so this meant NO your not getting your money back On that same day XX/XX/XXXX I filed a report with the XXXX XXXX police department. I gave the wed site and who I called case # XXXX Since than we have spent hour after hour fighting with the bank, As you will see in the paper work the bank will not return our money because they said we benefitted from the transaction. The whole thing is a nightmare We lost {$5500.00} They said we bought crypto currency. WHAT??? I admit I was very irresponsible and down right stupid. However my complaint is why did they return one and not the other 2. Please help us as we have called every week to get answers, they keep sending letters why they are not working with us This has left us in a very dire situation Please Please help us
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been contacting Equifax regarding a serious situation. Ive had all types of information on my credit report and I can not get through to get my credit report because of the miss information. I have provided my picture ID and my Social Security card for verification of who I am. They then sent me a letter stating that I have a mixed file with other people so I asked them to remove everything off my credit report that was added due to them having me in a mixed file. They keep making me go in circles to get this done. I have provided them with everything they have asked for I have done everything that I can and I am asking that you are have them comply with removing those accounts due to them having me with a mixed file. I was a part of the data breach that happened with this company a few years ago. The way they are reporting my credit and then sending me the letter that I have been in a mixed file That they need to honor my request.
Product: Student loan

Company called " Student Loan Consolidation '' charged me {$400.00} they promised my loan would be forgiven. I just found out today that the loan is n't forgiven for 20 to 25 years the gentleman I spoke to lied to me and told me my loan would be forgiven sooner than 10 years. Nowhere in my contract does it say that it would take that long. Also my loan was supposed to be forgiven and now it is in forbearance.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/23 I filed a complaint with the credit reporting agency about my personal information being incorrect. As of XX/XX/23 the information hasn't been corrected.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the XXXX XXXX  car loan, amounting to {$13000.00}, which has been erroneously attributed to my credit report. This account does not belong to me ; rather, it is associated with a family member. The misrepresentation of this account as negative has the potential to adversely affect my credit score, hindering my ability to secure financing for a vehicle in the near future.