23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX cancelled my policy due to non payment in XX/XX/XXXX. I purchased a Policy through XXXX XXXX XX/XX/XXXX. Later in XX/XX/XXXX a salesman at XXXX XXXX called despite my requests to cancel he renewed my policy and proceeded to get a commission by forcing this policy on me. I have been insured through XXXX since and I don't want to pay for a service that was never provided. Now this collection agency is claiming I owe XXXX {$390.00} for an insurance policy that I thought was cancelled and was covered through XXXX XXXX. They refuse to remove the debt, they keep re-posting and re-aging this debt as new and are ruining my credit. I am on the verge of homeless
Product: Checking or savings account

On XX/XX/year>, I successfully transferred {$490.00} to my Citibank account. After I transferred those funds I was unable to access my account. I was never given a proper reason why I lost access to my account. I was told the bank can no longer provide me service and then I was hung up on multiple times. Now my account is closed and no one has told me why or how Ill get my money.
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX  victim. I have inquiries on my credit report that are the result of that XXXX. As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXXXXXX XXXX Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ) https : //www.consumerfinance.gov/
Product: Credit reporting, credit repair services, or other personal consumer reports

I DO NOT UNDERSTAND THE REASON AS TO WHY THIS ACCOUNT IS STILL REPORTING NEGATIVELY ON MY CREDIT REPORTS ( CHASE CARD WITH A BALANCE OF XXXX AND 120 DAY LATE PAYMENTS ). IT IS REALLY AFFECTING THE OVERALL GOALS I WANT TO ACHIEVE. I HAVE ATTEMPTED SEVERAL TIMES AT REMOVING THIS ACCOUNT FROM MY CREDIT REPORT AND NOTHING HAS BEEN DONE ABOUT THIS MATTER. I DEMAND TO KNOW THE REASON AS TO WHY THIS IS STILL REFLECTING.
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  : Account Number : XXXX Account Name : XXXX  XXXX : Account Number : XXXX : Balance : {$570.00} Account Name : XXXX XXXX XXXX  : Account Number : XXXX : Balance : {$4200.00} Account Name : XXXX XXXX XXXXXXXX : Account Number : XXXX : Balance : {$310.00} Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$810.00} Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$980.00} 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: Credit reporting or other personal consumer reports

I reviewed my Consumer Report and noticed that i had late payment on an account that i was never late for Consumer Reporting Agencies have assumed a vital roll and a have a responsability to report Consumer information to the best of their ability with maximum accuracy. i have never been late on payment for the account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, please investigate and provide proof with statements showings that this payment was late. if proof can't be provide i demand these payment be updated on time as they should be as i was NEVER late. thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to make a complaint against transunion, XXXX and XXXX I reached out to all the bureaus asking them to remove all the fraudulent information form my credit report and they have not responded to my efforts to resolve the issues
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to have a fraudulent business account from Jpm chase bank on my personal credit profile. I have tried to have them correct it, but they refused to remove it without a valid explanation. 

Equifax also have a wrong address on my credit report. They Also have not corrected that error also. 

Equifax also allows companies to run my credit without proper authorization, and also refuses to removed them. They are the ones also responsible for the breach of my credit from years ago and no resolution have been made to me.
Product: Debt collection

I had a debt with XXXX XXXX The amount owed is indispute based upon XXXX 's rejection of prior returns, without any notification of what the returns concerned. 
I also was charged an amount in excess of the quoted XXXX amount. I would like a current balance so I can timely make payments as I always have and that the 3 Credit Reporting Agencies be advised payment is current or disputed.
Product: Credit reporting or other personal consumer reports

Experian again closes another complaint without addressing the issue and once again give an XXXX explanation that has absolutely nothing to do with the problem which is Experian NOW has stolen 18 months of on time never late payments to XXXX and refuse to give them back
Product: Money transfer, virtual currency, or money service

Buzzin cheese steak banana peppers bang bang sauce XXXX burger pickled and bang bang sauce Bussin lemonade I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, 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 XXXX - account number : XXXX Account name : XXXXXXXX XXXX XXXXXXXX - XXXX XXXX XXXX Account name : XXXX XXXX XXXX These accounts have violated my rights. 

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

15 U.S.C Section 604 A Section 2 : It also states consumer reporting agency can not furnish an 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 for 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 reached out to equitable acceptance corporation and they let me know they could help me get me student loans consolidated and forgiven. They did not indicate I did not qualify for a forgiveness plan or tell me they were going to be charging me {$49.00} a month for a service that was not helpful. This is a deceptive practice and one that I see many other people have filed complaints for. This company is deceptive and giving wrong information by praying on people 's desire for student loan relief. I do not trust them and I want to have any contract they state I have revoked.
Product: Debt collection

A correspondence purporting to allege a debt claimed by : Zwicker & Associates, P.C A written notice was sent as a response to Zwicker & Associates, P.C to their Fair Debt Collection Practices ' Act notice that Zwicker & Associates, P.C are attempting to collect an alleged debt and is not a dishonor of your alleged claim of debt. 

The notice also Demanded that Zwicker & Associates, P.C " cease and desist '' collections activities prior to validation of purported debt and that Zwicker & Associates, P.C must validate the claim of an alleged debt by providing the following : 1. Full Disclosure 2. Equal Consideration 3. Lawful terms and Conditions 4. The wet ink signature of both parties
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Balance : {$3100.00} - You are reporting an inaccurate payment history. You can not keep this incorrect and inconsistent information on my file, Please Delete. 

XXXX XXXX XXXX Balance : $ XXXX Late payments should be consistent between all 3 bureaus need to see all bank transactions and statements that belong to this company that would prove my payments were not accepted on time or you need to remove these unverified late payments immediately. 

XXXX XXXX XXXX  XXXX Balance : {$2400.00} - This account is not familiar to me. Provide me with necessary documents to prove its mine. My petition to request this documentation is a standard information petition based on my rights given from the fair credit billing act. If you can not create this data per my civil rights inquiry, please quickly remove this particular invalid post. 

XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} - This account has been transferred/sold, but you are still reporting this account with the original creditor. You are reporting this inaccurately. Delete Immediately.
Product: Credit card

I opened a dispute with Chase on XXXX XXXX in the amount of {$630.00} because XXXX XXXX XXXX XXXX broke and damaged items of mine during a move, and XXXX XXXX XXXX failed to honor the insurance policy I selected. Chase, however, rebilled me on XXXX XXXX, even though I submitted the proper evidence.
Product: Credit reporting or other personal consumer reports

I filed for XXXX  on XXXX. I was advised by my lawyer beforehand to stop paying on any of my debts. Lendingpoint even took {$200.00} again from me for a payment that I had to try to get back but was denied. Despite this, they were included in my XXXX  and I received my discharge in XXXX of 2024. They were included, and I noticed that it still showed as open on my credit report so I tried to dispute it and now they are reporting it as a charge off when it should be showing as paid and closed due to XXXX.
Product: Credit reporting or other personal consumer reports

I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time. 

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 

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

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 

6. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete From My CREDIT REPORT 8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Delete this account. 

10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2023 Delete this account.
Product: Checking or savings account

Dear Officer My bank and credit accounts were hacked and I was scammed. 

On XX/XX/XXXX where I try to lock into my XXXX personal bank account while appears a screen showed that my account was locked please call ( XXXX ) ) the security department of XXXX XXXX bank. I was told that someone try to steal my bank money and the person named XXXX XXXX ( with a strong XXXX accent ) asked me to corporate with them to do investigate the fraud. 
( 1 ) On XX/XX/2021, He ask me to use a debit card purchase an XXXX gift card for {$2500.00}, and send the invoice to the person named himself XXXX XXXX ( with a strong XXXX accent ) at ( XXXX ). He calls this the tracking fund actually he moved my {$890.00} from my saving account to the checking account that I did not know. 
( 2 ) On XX/XX/XXXX, XXXX asked me the deposit cash of {$10000.00} called virtual fund to the Chase bank ( CHASE account is owned by XXXX XXXX XXXX the account number is XXXX, the routing number is XXXX account owned address is XXXX XXXX XXXX XXXX XXXX ) Actually, he cashes the {$10000.00} from the XXXX credit account which connects to my checking account by using a cash advance payment that I did not know. After depositing in a half-hour, I went back to tell the cashier that I was scammed and do the wrong deposit and ask my money back, The cashier told me that I am not their customer so they can not talk to me and give me the money back.

( 3 ) I kept the text messages and conversation voices on my phone. 

Summary : We know the money is illegal and the money is in the CHASE bank account but the CHASE bank does not want to talk to me about the fraud deposit that I really do not understand. The CHASE BANK Branch is locked at XXXX XXXXXXXX XXXX XXXX NY XXXX.
Product: Debt collection

Today ace cash express tried to lie and say I was charged with bank fraud because Im unable to pay the collector. They after like they were with the court and going to have me arrested and charged with a crime
Product: Credit card or prepaid card

Consumer Financial Protection Bureau : I have reviewed the response made by the business in reference to complaint ID # XXXX, and have determined that my complaint has NOT been resolved because : Merchant is misleading American Express and provided a copy of contract that was paid with XXXX XXXX card on XXXX and was not paid with my American Express account. That dispute was submitted to XXXX bank and was closed with a full refund. Documentation is attached. 

I did not authorize the charge on the American Express card on XXXX referenced in this complaint. My dispute was not handled correctly. Please check your customer service call logs as I was advised by American Express representatives on numerous occasions that the dispute was raised incorrectly as billing inquiry rather than fraudulent charge ( XXXX Dispute Ref # XXXX ). 

Copies of the XXXX response and supporting documents are attached. 


Sincerely, XXXX XXXX
Product: Checking or savings account

TIAA Bank has refused to completely reimburse me for an error they made. In XX/XX/XXXX I called the bank to ask a question. My question was does TIAA Bank allow borrowing for a mortgage against a CD held in the bank. After a talk with the agent on the phone I concluded that TIAA does not do this. Later after I found a charge for early withdrawal from a CD on my XXXX tax statement, I called and was told that {$10000.00} had been taken from my CD at TIAA Bank which was paying 2.08 % interest in XX/XX/XXXX. TIAA Bank looked into the situation and told me on the phone that using their records they could not determine who authorized removing the {$10000.00}. I knew it was not me. They did reimburse the tax penalty. I asked for reimbursement of all lost interest after the bank could not put the money back into the CD. TIAA declined to reimburse any lost interest. I then complained to Consumer Financial Protection Bureau. At that point the bank reimbursed me for lost interest from XX/XX/XXXX until XX/XX/XXXX. ( The CD did not mature until XX/XX/XXXX. ) At that time ( XX/XX/XXXX ) TIAA wrote that I asked about early withdrawal from a CD on my XX/XX/XXXX phone call. I do not remember this at all. My question was can I borrow for a mortgage against a CD. TIAA told me on the phone on XX/XX/XXXX that their agent whom I spoke with about borrowing against a CD had no training on what I was asking. Because she knew nothing about this means of borrowing, her interpretation of the conversation was that I wanted to withdraw money from a CD. The agent did not tell me that she was doing this, but during the conversation she did the withdrawal of {$10000.00} from a CD as a test case. I was blindsided by this. My call was just to ask a question about bank policy. In addition, TIAA stated that at the end of the call she should have put the test withdrawal of the funds back into my account. She did not. I never suspected that the withdrawal of funds happened because my reason for the call had nothing to do with an early withdrawal. I understood why the bank was not willing to reimburse lost interest from XX/XX/XXXX through the CD 's maturity on XX/XX/XXXX while the CD was still in effect. I called and asked for reimbursement of the the remaining lost interest on XX/XX/XXXX. TIAA called back on XX/XX/XXXX to say that they denied my request. I want the interest from XX/XX/XXXX until the CD matured on XX/XX/XXXX to be returned. It is only fair that TIAA should reimburse all lost interest on a mistake which was entirely their fault and done without my knowledge.
Product: Credit reporting

XXXX ) i notified XXXX that on XX/XX/2016 i sent XXXX a certify letter disputing my account it was delivered an as indicated in the ( FDCPA XXXX ( A ) ) the creditor has 30 days to put a remark that i have disputed the account which they have not done and its still being reported by equifax has not removed the report i sent XXXX more letter to XXXX to the same add as the first letter but this time they not accept them. This is affecting my current process for a job with customs. and i also requested that equifax remove some hard inquiry that i have not authorized and they said they can not removed them i hope you can assist m with this situation. i will include copies of the certified receipts and returned letters.
Product: Consumer Loan

Every time a make a payment on my XXXX Nissan Ultima they charge me {$12.00}. I have asked them more than XXXX times if there anyway to avoid paying the fee, and is there another way to pay. I have even gone to the dealer I purchased the car at they tell me no as well. 

Here is the ask question I asked again yesterday on the phone and today in an email format : How do I avoid the {$12.00} extra finance charge not in the APR of my truth and lending? 

My name XXXX XXXX My account # is XXXX My car is a XXXX Nissan Ultima I did n't realize there was a CFPB. A mortgage loan officer told me about. If I had known the CFPB had existed before, I would have already filed this complaint as this has been going on for almost 4 years now. 

They force me to go to this XXXX XXXX site which is directed straight from Nissan. 
I believe this should have been disclosed as another finance fee and calculated in my APR when the original loan was disclosed. This is an extra {$150.00} a year extra I have been paying that is a true cost. 

Thanks for any help you can offer me.
Product: Credit reporting or other personal consumer reports

I did not give authorization to run my credit 6 inquiries.
Product: Checking or savings account

I contacted Bank Of America trying to solve my issue on today XX/XX/year>. I placed an order with the merchant XXXX. I had XXXX packages that wasnt delivered and XXXX I received that was broken and damaged. I tried to work this out with XXXX before I contacted my bank after being advised to do so. I have order number XXXX for {$99.00} I never received this order I have the pictures the seller sent me of the delivery address. Also I have the picture of my front door with my apartment number showing clear as day which is different from the picture they delivered this order too. The next order is XXXX for {$120.00} I got this package but it arrived with the package open and the product was damaged and broken. I went back and forth with XXXX trying to get a replacement but it was denied even when I sent them pictures. The last order is order number XXXX for {$66.00} and this order was supposed to be delivered no later than XX/XX/year> but a label was created but according to XXXX who was supposed to deliver the order they never received it. I expect my bank to protect my money by all cost. If I was able to go into a local store to get what I need at these same prices online I would do just that. I know I have had a few disputes in the past against XXXX but Im making the decision to terminate my XXXX XXXX from today moving forward. I have proof of everything im saying also I dont want my bank just to leave me high and dry because I cant afford to let XXXX XXXX no other internet business scam me I need my money especially me being on a fixed income. Im expecting a refund for these orders of {$290.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried applying for a XXXX  loan but my credit report was pulled from multiple sources and I did not know. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX