23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a customer with Khols for several years. I called in to make a payment in XXXX the payment would be one week late - I explained that this is COVID related as I have income from New York and I was not getting that income right now. I spoke to a supervisor on XX/XX/XXXX and I gave him my XXXX account information. He told me a payment of {$200.00} was needed for XXXX. I made extra- a payment of {$300.00} I told him that I am transferring with my job and I was worried about my credit report for XXXX. He assured me that my credit was fine and this extra payment would take care of the account and bring it current. He told me there were some late fees but he would credit them back for me. 

My current account balance should be {$1300.00} but KHOLS keeps reporting me with a high balance of {$1800.00} - and even though I paid on XX/XX/XXXX for {$300.00} they just reported to all 3XXXX credit bureaus that I missed XXXX payment. I found out today after calling 5 times that the customer service is offshoring their services- so the staff put me on long holds and transferred me to a dead line. 

I then tried calling the corporate headquarters in XXXX but got sent to a voice message box. 

Khols said the credit reporting is an error but it. will take 30-60 days to fix. I can not wait this long. I need a perfect credit score - even to get into an apartment- This is a nightmare
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX Billing ERROR- XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX, XXXX, XXXX The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX, GA
Product: Vehicle loan or lease

I called the number provided for the Ally fraud department on 3 different occasions, and each time I was routed to the main customer service line. Once I spoke with the customer service agent, they all promised to connect me with the fraud department and put me on an indefinite hold. There is no way to contact t

he fraud department, who I'm being told is the only department that can resolve the issue I am having, and no one can escalate the call or the issue. There have been promises of followup emails or phone calls but there has been no change in the situation for over 3 weeks. I can not access my bank account through Ally or my auto loan because of this issue.
Product: Money transfer, virtual currency, or money service

Hi Team I am raising a concern to CFPB regarding a fund transfer of {$2000.00} initiated from my bank ( Wells Fargo ) to XXXX ( an online XXXX exchange account ). 

I planned to invest some funds in the market ( online trading ) and sometime in late XXXX I have registered and setup an account with XXXX by XX/XX/XXXX & completed all background check verification by XX/XX/XXXX and added my Wells Fargo bank account on the same day. Later, I have initiated a fund transfer of {$2000.00} by XX/XX/XXXX from XXXX and XXXX uses XXXX to perform direct debit the amount from my bank. 

Over the internet I read some news that XXXX is collapsed and filed bankruptcy, from then XXXX not letting me to access my XXXX account nor able to access my funds ( {$2000.00} ). I was helpless and even tried to report this issue to XXXX customer support team as well but unable to reach them at all. I have even sent an email regarding this to XXXX compliance team, legal team, etc., but no response from them. 

On seeing this issue in order to secure my funds, I immediately reported this to my bank ( Wells Fargo ) that the transaction made to XXXX seems fraudulent transaction to me and requested to file a case by XX/XX/XXXX. 

-No action was taken by Wells Fargo- XXXX case was generated ( Wells Fargo Fraud Case XXXX XXXX XXXX ) and said I will be receiving the temporary funds of {$2000.00} will be issued, but after that my bank not even sent any details regarding this for more than a week, no confirmation, no email communication or information about the steps taken regarding the issue. 

When I tried to reach them out by XX/XX/XXXX over the call, I was told that this case was denied, and they will not dispute the charges, also least bothered to address about the issue. They are not concerned about the customers, or the reason why a fraud claim was submitted. They just bluntly asked me to work with XXXX itself to retrieve my money and can not do anything by Wells Fargo to retrieve the money. 

I was helpless with XXXX and reached Wells Fargo & even my bank cornered me by not providing a right resolution to retrieve my funds back. 

Request to help me to get this issue resolved.
Product: Credit reporting or other personal consumer reports

My credit report was impacted by XXXX, TransUnion and XXXX data breach resulting in my account being compromised. There are fraudulent accounts and derogatory information on my credit account that does not belong to me. Seek assistance to get them removed. Credit reporting agency refuse to provide any resolution.
Product: Debt collection

The collection activities violate my rights under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C 1692 ( c ) and other applicable laws.

Per Fair Credit Reporting Act ( FCRA ) ( 15 u.s.c. 1681, I have a right to sue ALL creditors for negligence and willful noncompliance.

These credit company is also illegal report an account that is not verified. The creditor has insufficient information and have no original address on file, no original contract, phone number, copy of a valid driver license or identification card, social security card, or a valid signature signed contract for these alleged accounts.

I have requested the information be mailed to me to my home address. These companies refuse to mail information to me. The are mailing my personal information to fraudulent addresses : XXXX XXXX XXXX XXXX, Oh XXXX XXXX XXXX XXXX XXXX, Oh XXXX I have never had any affiliation with these addresses. 

XXXX XXXX is report an unverified social security number, address, phone number, and name. None of the information matches my personal information. 

When asked to provide documentation the company has declined. Therefore the account shall be removed from immediately from consumer credit files. 

ALL companies listed are in violation of consumer rights Per Fair Credit Reporting Act ( FCRA ) ( 15 ) U.S.C. 1681, 611 - 15 U.S.C 1681 B ( li ) ( 7 ).

I dispute the validity of the debt, and as such, I demand that ALL creditors listed cease any attempts to collect on the alleged debt. Please consider this letter as a formal notice under the FDCPA, and any further communication on this matter will be considered a violation of my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a background check from XXXX XXXX XXXX that has false information on it. It states that i am a XXXX XXXX and that i have a federal criminal record.
Product: Student loan

I have been on the income-based repayment plan for a few years. I called FedLoan Servicing at XX/XX/XXXX about re-applying to the plan and was informed that I did n't have to turn in the application until XX/XX/XXXX. I mailed my application on XX/XX/XXXX and received a letter on XX/XX/XXXX that I had been dropped from the plan, that my interest had capitalized ( over {$12000.00} ), and that my monthly payment had increased by over three times. I called to speak to someone and was told they were sorry but there was nothing they could do about it.
Product: Debt collection

On or about XX/XX/XXXX. G Reynolds Sims & associates, P.C., XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ) et al, filed or caused to be filed a debt collection lawsuit using the name XXXX , XXXX as plaintiff in the XXXX district court of Michigan. 
G.Reynolds Sims & associates, P.C. attempted garnishments of this consumer 's state of Michigan tax returns for several years following judgement issued in favor of XXXX , XXXX by the XXXX XXXX   district court. Additional facts are as follows : 1. XXXX XXXX was divested of all its assets in a bankruptcy in XXXX. See public records 2. G. Reynolds Sims & associates, P.C. continues to put itself forth as a collection agency located within the territorial bounds of the state of Michigan. See attached screenshots 3. A search of the Michigan department of licensing and regulatory affairs occupational licensing database does not show results for G. REYNOLDS SIMS & ASSOCIATES, PC as licensed collection agency in Michigan. See attached screenshots 4. Licensing/ unlicensed status confirmation requests are sent to the Michigan department of licensing and regulatory affairs. Response pending 5. G.Reynolds Sims & Associates PC was without an assignment of debt from the alleged original creditor either to G. Reynolds Sims & Associates, P.C or the alleged plaintiff XXXX , XXXX ( court documents available on request ) 6. An attorney associated with G.Reynolds Sims & Associates, P.C filed the only affidavit in the XXXX XXXX action of XXXX claiming knowledge of XXXX XXXXs business records in spite of XXXX XXXX never having a custodian of records. 
See attached affidavit and public bankruptcy filings concerning the XXXX XXXX bankruptcy. 
7. G.Reynolds Sims & Associates, P.C still continues to act as a collection agency to this day. See attached 8. Collateral CFPB complaints against XXXX , XXXX and XXXX XXXX XXXX XXXX XXXX have been filed. See attached screenshots for complaint ID numbers.
Product: Consumer Loan

Back in XXXX or XXXX I was going through a divorce where it was decided my ex-husband would pay this payment until divorce was final. I woke up one morning and car was gone, he ended up not paying for a month or two and I had not received any proper notice and the car was picked up by Toyota. I called and promptly paid the past due amount and all legal fees involved and paid off the car the following year when I traded it on another Toyota. 
I find it disturbing that I was not properly notified and I paid the debt within hours, and even financed another car through their firm and they are keeping this blemish on my credit report and are unwilling to remove the item even though it was more than 7 years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following inquiries : XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX  XX/XX/2022 XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXX  XX/XX/2022
Product: Debt or credit management

They just wont stop calling me!!!! Repeatedly! Every day! From different numbers
Product: Credit card

I had a Wells Fargo credit card with a great Rewards Program. On XXXX XXXX, 2016 they sent me a letter, which I received on XXXX XXXX, 2016, saying I was overusing their rewards program- like making too many large purchases, and that if I did n't stop, they would close my account. I did stop immediately : I only made XXXX purchases after that, both for gas under {$20.00}. I could have withdrawn all my rewards in cash at that time, but I did n't, as I had been saving up for a trip for my family, and if I redeemed my rewards for travel, the points were worth XXXX % more. So I naively trusted their letter. On XXXX XXXX they sent me a follow up letter, forcing my account to be closed and seizing all of the value of all of the rewards that I had accrued, through purchases and through bonus sign-up offers. After I realized this, I called them on XXXX XXXX, from XXXX until XXXX, speaking with XXXX different people and many different departments. No one could help me get my money back. I never broke any terms or laws or rules. I complied with their terms to stop making large purchases on their card. In return they seized a cash value of {$1900.00}, or a value if redeemed for travel of {$2800.00}. This also adds a stain to my credit report.
Product: Credit card

I was late last month, and charged a {$35.00} because the payment arrived after the closing date. 
The payment was for {$750.00}, payment was credited to my next statement along with a pand to my surprise a late fee for {$35.00}!!!
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the presence of a fraudulent accounts on my credit report, which is currently being reported by Experian. Despite my earlier submission of a dispute letter and the required documentation to the Federal Trade Commission ( FTC ), as per your protocol, these accounts remain on my Experian credit report. Upon discovering these fraudulent accounts, I contacted the associated companies, which has confirmed the fraudulent nature of the accounts and assured me of its removal from their records. Subsequently, the other major credit bureaus, namely XXXX and XXXX, have removed these accounts from their records after recognizing its fraudulent nature. I am perplexed as to why these fraudulent accounts continues to be reported by Experian despite being removed by the other credit bureaus. I have fulfilled all necessary requirements and provided all relevant documentation to support my claim of identity theft. I hereby request that you conduct a thorough investigation into this matter and immediately remove these fraudulent accounts from my Experian credit report. The companies have acknowledged the fraudulent nature of these accounts, and its continued presence on my credit report is unwarranted and damaging to my creditworthiness. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Im writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of 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 CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raise serious concerns about consumer safety.
Product: Student loan

I was transferred to MOHELA and everything seemed fine until I tried to make my first payment. I submitted a payment of {$330.00} on XX/XX/2023, which was withdrawn/debited from my checking account on XX/XX/2023. The payment was due on XX/XX/2023, so upon seeing it wasn't posted to my account or credited on XX/XX/2023 I called MOHELA to figure out what happened. After a 3 hour and 7 minute call and 3 separate representatives, no one could tell me what happened with the payment. I was told to upload bank statements for my account demonstrating the amount was debited, and to wait 10 business days for a resolution. As of today XX/XX/2023 no resolution has occurred and my account is marked as delinquent for missing the first payment, despite being charged. I plan to call again tomorrow XX/XX/2023 to follow up on why this hasn't been resolved yet. I'd like assurance this won't happen again as my next payment is due, and their hold times are egregiously long. Thank you for your time and assistance!
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns about Zelle 's dispute resolution process, particularly in light of the recent CFPB lawsuit that underscores significant shortcomings with the platform. Despite the frequent use of Zelle and reporting discrepancies, my claims were not properly investigated by either my financial institution or Zelle. I was informed that recovering lost funds and tracking transactions was not feasible. The CFPB 's findings reveal that Zelle has failed to protect consumers and has enabled repeat offenders to exploit the system, leaving users exposed to scams. This lack of accountability and transparency is deeply troubling and raises serious questions about consumer safety.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history with capital XXXX and all payments were placed on XXXX. 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 me 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. 


XXXX XXXX XXXX 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

XX/XX/2014 I received a message through fax from XXXX XXXX the recovery specialist stating once I paid the full balance of XXXX Westlake financial service would release the title ( which they did ) and would update the info on my credit report as paid in full ( which they have not done ) it is listed as legally paid in full for less than the full balance. I paid the full amount and I have been disputing this for years through the XXXX  and Westlake financial services. I have provided all the documentation as proof of this to XXXX and Westlake financial services. This has and continues to impact my credit and interest rates. Westlake financial services refuses to correct the information that is being improperly reported to the credit bureau. Recently I spoke with XXXX XXXX on the phone he informed me that he had looked over the documents and that the information is being reported correctly.
Product: Credit card or prepaid card

In XXXX there was XXXX dollars spent using my card ( it was taken from my wallet ) in the state I used to live, XXXX XXXX. I live in XXXX  8 hours away. I am a single mom with XXXX boys and a full time job at a XXXX. Home Depot has denied my fraud claim and my appeal. The items were purchased in store as well as online and deli were to an address that I have never heard. I have always paid my card in full and hadnt used it in 7 months before it was stolen.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  are reporting incorrectly a current balance of {$20000.00}, as well as reporting that I am ( 120 ) days late on the OAG CHILD SU/OFFICE OF THE ATTY GEN partial account number XXXX. ( Please see page attached from my credit report. ) This account is current and needs to report a {$0.00} balance. There were never any late payments. All scheduled monthly payments were made on time. The child support was recently modified and there is no current order. I have attached a copy ( 1 ) Child Support Review Order ; ( 2 ) Current Child Support modification, and ( 3 ) Child Support Judgment ( Release ). This incorrect reporting of an account with a balance due and lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Checking or savings account

On XX/XX/2020 my check was stolen for the amount of XXXX and cashed at Navy federal credit union in XXXX VA. It was made out to my Dental office XXXX XXXX XXXX but the check was double endorsed and cashed by someone named XXXX XXXX the money was withdrawn from my account on the XX/XX/XXXX I was made aware my dentist never received the check. I filed incident report with police department and filled out Forgery Affidavits with both my bank and Navy FCU, summited copies of my signature and XXXX  XXXX why havent my money been returned back to my account as yet?
Product: Debt collection

On XX/XX/XXXX, I received an email from XXXX that my score had dropped from XXXX to XXXX. Something called Commonwealth Financial System had me in collections for {$1400.00}. I immediately disputed the charge with all three credit organizations. I have always paid my bills and am very distressed by this false charge. 

On XX/XX/XXXX, I called Commonwealth Financial at XXXX and spoke to XXXX (? ). She said that the collection is for their partner XXXX XXXX who in turn does collections for XXXX XXXX XXXX. XXXX XXXX XXXX saw XXXX XXXX in an emergency room somewhere on XX/XX/XXXX. They somehow attached my home address to that bill and expect me to pay it. XXXX said that she would enter a dispute in their system. I have not heard back from Commonwealth Financial. 

On XX/XX/XXXX, I sent an email to XXXX XXXX. It has not responded. 

Since I was never contacted by XXXX XXXX XXXX, XXXX XXXX, or Commonwealth Financial, I assume that they did not have my phone number or email address. I'm sorry that they have them now as a result of my contact with them because they can now use that information to bolster their false claims. 

I do not know XXXX XXXX. I did not take anyone to an XXXX. I can not understand how I can be randomly sent to collections for a bill incurred by someone else, for someone else.