23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX charge me {$300.00} on my account now when I call XXXX XXXX XXXX they say they don't have no record of this but on my account it shows that they took out {$300.00} and my chime account that I have is not taking this into consideration that they don't have no info about just {$300.00} but they gave it to them without my authorization
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, 2022 I sent a letter and a copy of my FTC identity therft report to report that I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit les. I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regardign Zelles handling of disputes, particularly in light of the recent CFPB lawshit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and XXXX 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 indiciate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving ususers vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious converns about conusmer safety.
Product: Credit card or prepaid card

Within the last month we have received 2 Netspend Prepaid Mastercards at our address with names of individuals that we do not know and that have never lived at our address. 
First card received was issued to XXXX XXXX and second card was issued to XXXX XXXX. I called the toll free number and refused the card from the first mailing. I could not speak to a Customer Service Rep by using the number provided because it's an automated system and there's no option to speak to a person. Why are these cards issued with our mailing address? 

1. XXXX XXXX # XXXX XXXX XXXX XXXX sent from Netspend 2. XXXX XXXX # XXXX XXXX XXXX XXXX sent from WesternUnion Netspend Both mailings have a return address of : XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I never missed any payments on all of my accounts AND they are all up-to-date. My score went up at the other 2 credit bureaus but TransUnion made an error and removed XXXX points, for no reason, overnight. My score was XXXX at TranUnion and overnight the XXXX employees removed XXXX points for no reason and without cause. The other agencies reported that everything was on time and no negative items were reported. Transunion decided to report incorrect information that did not fit the information on my report and removed XXXX points overnight. My score was XXXX they now reported XXXX received alerts from all the other bureaus about what TransUnion reported. I even called them and they said nothing changed however they lied and secretly removed XXXX points.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX and XXXX XXXX  XXXX The accounts were never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company XXXX has been consistently reporting incorrect information in my comments that account is closed at consumer request They have reporting balances as the account is good standing and never late but refusing to update status to open since is account open with a paid statement every month. This has been going on since XX/XX/XXXX. I receive automated letters saying it will update in 30 to 60 days. This is my 3rd letter of this kind saying that. The last one in XX/XX/XXXX but Experian investigated with a reponse that account closed with a Balance deceasing every month.
Product: Credit card

I have a Walmart card from capital one bank and Walmart is always taking money out for Walmart  plus. Its been canceled because theyre Walmart plus XXXX  at delivering food and stuff to my house. And they never ever refund my money back or XXXX XXXX XXXX I get. This Walmart XXXX. They let my stuff at somebody house no refunds back I want to cancel my credit cards do to Walmart. I didnt give them permission to take my money off my cards. Please cancel my credit cards do to Walmart. Just tired of Walmart stealing our money saying that we have Walmart plus  they hit up all of our cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies indicate my dispute of information in my credit report. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please investigate and fix the accounts listed below. 
XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$12000.00} ; XXXX XXXX Date opened : XX/XX/XXXX Balance : {$240.00}.
Product: Vehicle loan or lease

I believe my vehicle was illegally repossessed. I financed a vehicle through Stone Haven Capital in Oklahoma. I live in Kansas, I understand laws fall to the state of the company. They threatened to illegally repossess my truck in XX/XX/year> for being a singular day late. Even went as far as to have a fake tow company text my cell phone, law states that I am given a 10 grace period through both Kansas and Oklahoma. They tried to use intimidation and malicious tactics to force me to pay immediately. This within itself is a breach of most any contract especially on their end for antitrust. ( All of this came after I requested a 10 day pay off to transfer my business elsewhere ). I forced them to issue a right to cure notice. Made up the payment, not once during the duration of my loan did I ever have a late payment. Not even 10 days to this point. Not a single payment has been reported to a credit bureau. In XXXXXXXX XXXX XXXX I had a lapse of auto insurance due to a water damaged cell phone ( couldnt make the payment without account access ). I have all of the receipts of how long it took to get a new phone as I travel for a living and they arent always easily available. I also have a receipt from my insurance provider showing I made a payment on XX/XX/year>. I Immediately got insurance reinstated on the vehicle. That following weekend my truck was repossessed out of my coworkers driveway. It stayed there as we carpooled frequently. My contract states that if I fail to maintain auto insurance that it would be provided to me at a premium rate. They opted not to accommodate the term of the loan and chose to take my vehicle. The insurance lapse was less than 30 total days. That doesnt justify the fact that it lapsed, its just a bit ridiculous to have a loan for the duration of time I had and to default due to insurance that was quickly reinstated. These folks run their business through texting their customers and a XXXX XXXX XXXX It was who the dealership had as their financing company. The dealership was XXXXXXXX XXXX XXXX XXXXXXXX Oklahoma.
Product: Credit card or prepaid card

I opened an XXXX XXXX XXXX XXXX Credit Card to pay off a USAA XXXX XXXX card. 

XXXX sent a check to XXXX XXXX with my account number on the check. The check cleared XX/XX/2018. USAA continues to claim they have not received the check. 

The USAA XXXX XXXX even shows no balance on my credit report but USAA still claims they don't have it and continue charging me interest!!! 

I have called on multiple occasions for weeks. I tried to send them a copy of the check, they finally ( a week later ) gave me a fax number to fax the cleared check ( fax went through fine ) but when I call, no one has seen the fax or the cleared check. 

The customer service people keep saying it is not their problem, the check never got to them. They even told me there are notes on the account that XXXX cashed it, not them, when it says both XXXX on the cleared check AND XXXX XXXX and XXXX and XXXX. XXXX   are the same thing ( a quick XXXX search told me that ). 

They told me to have the other bank look into it, I told them did, they sent me the check so YOU could track it. Now, they claim once again they are looking into it. Meanwhile, they continue to charge me interest so I am carrying two {$10000.00} credit cards. Please help.
Product: Debt collection

I got XXXX XXXX XXXX ( like XXXX ) back in XX/XX/XXXX, their service sucked and I wanted to cancel maybe a year or months later. It kept messing up, so when I call to cancel they told me I couldnt cancel until a certain date, and would have to pay to settle {$820.00}. So I waited until that date and paid XXXX on XX/XX/XXXX and then made another payment on XX/XX/XXXX of {$410.00}. I remember back then they were giving me a hard time about cancelling.so I paid it, it was a settlement payment and I thought it was over. Now this Zions debt holding is saying I owe them XXXX, and they have put that on my credit report. The man I talk to was very nasty and rude, and told me if I dont have a letter or something from the company that I still owe them XXXX years later I dont have or cant find, or dont remember them sending me anything, so now this company is saying I owe them. I do have bank statements where I paid the settlements amount, and I found a paper that I wrote on back in XXXX saying I paid it.
Product: Student loan

On XX/XX/year>, I applied for loan consolidation and an income-driven repayment ( XXXX ) plan through MOHELA, intending to pursue Public Service XXXX XXXX XXXX XXXX ). Despite submitting my application promptly, MOHELA did not respond for several months, causing significant delays. On XX/XX/year>, I was informed that my loans had been placed into forbearance. This delay, which lasted over XXXX months, was not caused by me but resulted in significant financial repercussions. 

During the extended processing period, my loans accrued interest. As a first-year resident with a limited salary, I planned to make affordable payments under an XXXX plan. However, MOHELAs delays prevented me from doing so. This is particularly concerning because my future payments under an IDR plan will likely be higher due to anticipated increases in income after completing my residency. The delay has disrupted my financial planning and undermined my efforts to manage my debt responsibly. 

Furthermore, MOHELA placed my loans in processing forbearance rather than administrative forbearance. This distinction is critical because processing forbearance allowed interest to accrue, increasing my loan balance through no fault of my own. Since I was not given the option to make payments during this period, it is unfair that interest accumulated. This practice feels misleading and exacerbates the already significant financial burden of medical training.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts and late payments are currently being reported. I have request them to be removed on multiple occasions via mail. 
Must recent being XXXX, XXXX, XXXX and XXXX of 2020. 
Experian : US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Dear Sir/Mam, XXXX BofA_Help Tried to cash a check that my husband wrote me today, because he didn't have time to go get the cash himself and I was at the bank XXXXXXXX XXXX sharp so I didn't have to wait in line... .... I get there and this teller ask for my normal identification and handed him the check. Then he says it will cost {$8.00} to cash. SO I said fine. 

Teller goes to the back for about 5 minutes and then comes back and tells me that he can not cash the check because I don't have a working relationship with Bank of America. I tried to insist and tell the teller that the check was written by my husband who has a business account with Bank of America. He continued to say I don't have working relationship with BOA so they can not cash the check. When I tried to insist he then raised his voice and repeated the same thing. 

As I got up the chair leaving, I tried to tell the teller this is why I do not bank with BOA particularly this location @ XXXX XXXX XXXX XXXX XXXX, WA XXXX. Not only that you give poor services and being discriminatory towards me especially the Manager. 
I even mentioned to them that similar incidents happen last month when I was there to open an account. 

Left the bank upset that and called my husband to take some time off so he can go and get some cash for me... ..He is now taking extra time off just to go get cash!!! 

I am definitely going to tell and convince my husband to cancel his account with Bank of America... and also filing a complaint with the XXXX  and Consumer Financial Protection Bureau. 

I am complaining today here because I had the same issue last month and I even tried to file similar complaint, and wrote the longest letter of my life to a person name XXXX XXXX, never heard from her. She has a pic online, but who knows if she is really an actual person. 

Now I am here complaining because I think that the people working at this location, not only are discriminatory but also giving poor services toward new customers Every time I go to this bank all I get is grief and frustration... I hope to never deal with them again. 

I am complaining here because I would like this particular location that not every one can be treated poorly as they did to me. 

Sincerely, XXXX XXXX P : XXXX
Product: Debt collection

Please see the attached letter I received in the mail Friday XX/XX/XXXX. This letter was sent by dynamic recovery solutions on behalf of national credit adjusters. In the letter it says that I owe original creditor XXXX XXXX. But on a previous claim I filed with the cfpb national credit adjusters responded that I owe money allegedly to Rise. National credit adjusters did not confirm that I owe the money to the original creditor allegedly called XXXX XXXX. Now I have this letter from dynamic recovery solutions telling me that I owe the money in the letter itself please see that it stated national credit adjusters will not report this to any credit reporting agency. But I checked my credit report in this debt alleged debt that I owe is on my credit report why am I being collected on a debt that I do not owe secondly I do not have any or have received any notice of proof that I owe this money to the original creditor called XXXX XXXX. More importantly this communication dated XX/XX/2021 from dynamic recovery solutions clearly states the because of the age of your debt national credit adjusters will not sue you for it and national credit adjusters will not report it to any credit reporting agency. Why is this debt this alleged debt on my credit report then? Please remove this debt from a credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Block Request To Whom It May Concern, I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that 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 XXXXXX/XX/XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

This is in regards to XXXX account XXXX XXXXXXXXThe company XXXX sent me an email today stating the results of dispute number XXXX is complete. I checked the credit file and the information is still there. The loan has the same balance of {$2000.00} dollars and the type of loan states unsecure. I again filed another dispute today with dispute number # XXXX. I want this unsecure loan permanently removed from my file because this loan was paid in full in XXXX.
Product: Credit card or prepaid card

On XX/XX/2020 I paid my XXXX ( red ) credit card bill online in full .The due date was XXXX, XXXXThe payment was effective XX/XX/XXXX XXXX. 
The following month I received a late fee stating the payment was posted on XX/XX/XXXX  I opened a dispute and showed them my recipt as proof, however it wasn't considered. 
I refused to pay the late fee knowing my bill was paid in full and on time, but the late fees piled up until they reached {$280.00} when it reported to my credit score. 
I will attach the documents. 
Please let me know if there are any questions. 

Best regards, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I have noticed that files are not being removed when they accompany an FTC report. If you do not remove the items listed below, which are inaccurately reported, I will involve my attorney to initiate legal action. I prefer to avoid this, so please comply with the law and remove the incorrect credit report information listed below, as they were opened without my consent or knowledge : 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 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  If you assert these items are accurate and verifiable, please provide me with copies of any documentation associated with these items bearing my signature, as I know none exists. In the absence of such documentation, I formally request the immediate deletion of this information from my credit file. You have XXXX business days to remove any items resulting from inaccurate credit reporting. I do not consent to XXXX or any automated verification methods. I expect your immediate attention and a response within XXXX business days.
Product: Debt collection

XXXX XXXX Store Credit Card was CURRENT with a small balance of {$400.00}. Then XXXX XXXX went out of business, closed there storefront in Maryland where payments were made, & XXXX XXXX declared Bankruptcy. This was XXXX XXXX. So, then I get contacted by a 3rd party Midland Credit claiming they are working for XXXX XXXX to collect XXXX XXXXXXXX & its a lawsuit of some sort. Its a completely wrong amount more than double the balance left on the card when XXXX XXXX went Out of Business and filed Bankruptcy. They completely disregarded multiple payments made on the Credit Card. I actually think theyre a fraud XXXX company, and I feel a bit like a XXXX XXXXXXXX in XXXX XXXX XXXX!
Product: Credit card or prepaid card

I applied for BoA XXXX XXXX credit card and got aproved on XX/XX/XXXX. I received my card in mail in the next few days and activated the card right away. I tried to use my card for an online purchase in early XXXX, however the transaction did not go through. I tried to call BoA and was told the account was not active. 

My account was closed by BOA without even a notification, not a phone call, or email or a letter.
Product: Mortgage

I have reviewed my mortgage statements from XX/XX/XXXX to XX/XX/XXXX and they include fees and charges which I do not agree with, are in breach of the contract I signed, are unreasonable and I allege unlawful. These fees include : - an appraisal without my knowledge and not for the purposes of home valuation in connection with a refinance. 
- inspection fees which were not performed by a licensed that have appeared and then credited haphazardly and randomly - late fees assessed when mortgage payment was not paid after grace period - interest charged on fees that were not agreed to, unreasonable and allegedly unlawful
Product: Debt collection

United Credit Bureau has been communicating with me about my medical debt. 

On XX/XX/XXXX, I phoned them and got them to agree to send me a written agreement- I would get a discount of 30 % off the payment- they would notify all credit agencies upon payment that this debt was paid in full and can be removed. 

I emailed them as a follow-up, but didn't hear back from them. 

On XX/XX/XXXX, UCB phoned me again and offered me a 35 % discount off the payment. They also said that it was a time-sensitive discount and that my time was running out before things escalated. I said I agreed to it and would pay, provided that they would email me a written agreement that they would notify all credit agencies upon payment that the debt was paid in full! They no longer agreed to it, and tried to push me several times into paying!
Product: Mortgage

I recently applied for a home equity loan and during a title search found an error from a previous lender. 

I refinanced a first mortgage and home equity line of credit with GMAC in XX/XX/XXXX. Both the first mortgage and home equity were consolidated into one mortgage loan at this time. In XX/XX/XXXX, three years later, GMAC submitted a lien for the home equity which had been satisfied. I am having trouble receiving a satisfaction letter to remove the lien because GMAC is no longer in business.
Product: Debt collection

U.S collection West, inc is trying to collect a debt that I do not owe. They are trying to collect {$1700.00} as of XXXX XXXX. They believe that I owe money to XXXX XXXX XXXX in the year from XXXX, however I never lived in those apartments.I have information stating where I live in XXXX and XXXX