23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), These account have resulted in several fraudulent collection appearing on my consumer XXXX credit report. I do not recognize the aforementioned account, collection as reported. The aforementioned account, collection, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned account, collection, are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit account, collection, are the result of identity theft and fraud.
Product: Checking or savings account

I went on a website to fill out an application for {$50.00} and that was all the application stated. When I was charged almost XXXX I advised the company and was told to reach out to my bank as that was not the correct amount well I disputed this transaction twice and my bank is denying it. They are saying this merchant is stating this charge is valid where I showed my bank emails stating from this company that this charge was only suppose to be XXXX.
Product: Debt collection

I received a notification from Eastern Account System of Connecticut, INC dated XXXX/XXXX/16. The statement indicates a balance of {$77.00} due from the original vendor, XXXX XXXX XXXX. The notice reads : Your account has been placed with this office for collection. To avoid further collection activity, pay it in full. If you can not pay in full or have a problem, contact this office. 

On XXXX/XXXX/16 I contacted XXXX XXXX XXXX to inquire about a recent bill I received from them indicating a balance owed of {$21.00}. In my discussion with XXXX XXXX they verified my service was disconnected on XXXX/XXXX/16. I was being billed for unreturned equipment. This equipment was returned on XXXX/XXXX/16. The CSR from XXXX XXXX indicated that my account would be updated and a credit balance of {$55.00} would be returned to me. I then asked the CSR if this account had been submitted to Easter Account System of Connecticut and the CSR responded by saying no. 

I then attempted to call Eastern Account System of Connecticut on XXXX/XXXX/16 and the number listed ( XXXX ) only goes to voicemail.
Product: Credit card or prepaid card

ReliaCard has had my money since XXXX and wont release it! I verified my account several times was told everything was good to go and still cant access my funds
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX handling of distributes, 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 tracking these transactions was infeasible.The CFPBs finding 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: Checking or savings account

I had saw a advertisement from wells fargo saying that i will get {$150.00} if i open a account with them and i had called to file a complaint with them and see if i can get that offer since the banker who had opened my account never told me about it. Then the customer service ahent said there was nothing they can do and she just transfered me to a supervisor then the supervisor said that the offer i saw on facebook was a invalid offer and that the promotion ended in  XXXX . I had  a specialist ca ll me and they said that they had a offer of {$250.00} but that ended in  XXXX  and that they dont have no offers for {$150.00} and that theres nothing they can do and disconnected the line. I have evidence of them putting false promotion and actually telling customers that to call customer service and they will take care of the issue when they really dont do nothing.
Product: Debt collection

The roe-brat call left a message, at XXXX, Thur. XXXX XXXX, 2016, " This is a debt collector, J.C. Christensen, you must call us at, XXXX. 
I have no business with J.C. Christensen or any other debt collector.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is an account that is more than 7 years old. 

XXXX XXXX is more than 7 years old. 

XXXX XXXX credit is not my account. 

Neither of these XXXX items should be showing up on my credit reports according to the Fair Act Credit laws... XXXX and XXXX XXXX are more than 7 years old and should be completely removed from my credit reports and not showing up as closed they should be completely removed from Equifax, XXXX and XXXX... First Access has been sold to a third party and was not even mine to begin with, yet it is still showing on my credit reports... How many times must a consumer contact the credit bureaus before those at the bureaus abide by federal law and practices... I have put in complaints through your office at least three times ... .. Will you put a stop to the nonsense of the three credit bureaus that continue to put items on my credit that goes against the fair credit laws ..... Thank you for taking out the time to read my complaint... Have A Wonderful Blessed Day
Product: Credit reporting or other personal consumer reports

I Paid my credit card bill on time. TransUnion is reporting it as late. I have proof that they are reporting it wrong. I would like to have the late payment removed immediately. It is delaying me from getting a home for me and my family. The credit card bill is due XX/XX/XXXX and I paid it XX/XX/XXXX.
Product: Mortgage

My loan was transferred from XXXX XXXX XXXX XXXX Green Tree Services. Green Tree Services demanded that I pay the loan off in full, there were no other options. I explained to them that I had lost my job and I was working again, however I could n't pay out $ XXXX. The representatives were extremely rude and began threatening me. I told them my house was 'under water ' and there was no equity in my home. They said they would just charge the loan off and then hire someone to sue me. They advised that one way or another they would get their money. They began calling friends and family members as well. My mother said someone from Green Tree was extremely rude and indicated that I may lose my home. Green Tree also contacted my employer and indicated that I was behind on a mortgage. They never offered anything accept pay us or else. I am worried to death over this. I have XXXX small children and cant lose my home. Green Tree Recently charged off my 2nd mortgage. According to them the next step is to take me to court to file a judgment against me and garnish my wages. I cant afford to have my wages garnished for a 2nd mortgage that has no equity. Please help me. Please save my family.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 


Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in direct response to my previous complaint. This is repeat of a complaint to exponential in size. 

TransUnion responded to complaint number XXXX that I was disputing a credit report. In the afore mentioned complaint, I never asked to dispute a credit report. Already did that. 

I would also like to give notice that I have been in contact with XXXX XXXX  many times. 

Here is the problem. TransUnion showed me delinquent on my mortgage. 

In my last many hours long phone call, TransUnion admitted they never received a report from XXXX XXXX. 

Lets repeat it. I have contacted XXXX XXXX  they have cooperated and have given me reports. 

Lets repeat. XXXX XXXX  never reported me delinquent. That is according to XXXX XXXX  AND TransUnion. 

Lets repeat, when the delinquency showed up I did file a dispute. I ended the dispute when XXXX XXXX  notified TransUnion I was never delinquent. 

Lets repeat. TransUnion on its own showed me delinquent. TransUnion did so with no reports no documents no transmittal letters, nothing from anything stating I was delinquent. 

Lets repeat. Why did TransUnion on its own show me delinquent. 

Lets repeat, XXXX XXXX did respond to TransUnion I was never delinquent. 

Lets repeat. XXXX XXXX  filed a single report going to all credit reporting companies, none showed me delinquent other than TransUnion. Proof XXXX XXXX  never reported me delinquent. 

Lets repeat. Why did TransUnion show me delinquent when no such report was given to TransUnion. 

Lets report, I did not ask for another dispute investigation into the delinquent report. That has already been done. 

Lets repeat. After maybe a dozen complaints TransUnion has never responded to my question as to why they generated a late report when they received no such report?
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXXXXXX XXXX  XXXX, Experian, and XXXX.
Product: Vehicle loan or lease

I have sent out a validation of debt letter weeks back. However, I did not get a response- I sent another letter out and got a response, however ; instead of sending me what I asked for they are calling me. They've called me 3 times while I have been at work at very inconvenient times. XX/XX/21 I sent an Affidavit of Truth along with exhibits and other documents. I found multiple violations that I marked and labeled that were sent to them. 
15 USC 1692b ( 5 ) 15 USC 1692e ( 2 ) ( A ) 15USC 1692d ( 1 ) 15 USC 1692e ( 11 ) 15 USC 1692j ( a ) 15 USC 1692c ( 1 ) 15 USC 1692c ( 3 ) 15 USC 1692d ( 5 ) 15 USC 1692g I have continued to make payments on time because I do not want it to affect my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts listed are fraudulent. Should not be reporting on my credit report. 
1. Identity Theft XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft DEPT OF EDUCATION/XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft DEPT OF EDUCATION/XXXX  Account Number : XXXX This is not mine. 

5. Identity Theft DEPT OF EDUCATION/XXXX  Account Number : XXXX This is not mine. 

6. Identity Theft DEPT OF EDUCATION/XXXX  Account Number : XXXX This is not mine. 

7. Identity Theft DEPT OF EDUCATION/XXXX  Account Number : XXXX This is not mine. 

8. Identity Theft DEPT OF ED/XXXX  Account Number : XXXX This is not mine. 

9. Identity Theft DEPT OF EDUCATION/XXXX  Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

11. Identity Theft XXXX Account Number : XXXX This is not mine. 

12. Identity Theft DEPT OF EDUCATION/XXXX  Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been writing to get these inquiries off my report which was done by me I haven't gotten no proof or signature or an Id card showing it was me making these request
Product: Debt collection

I received a request for payment of an account that was placed in collections for which I 'd never received a bill. I was never notified that I would be required to repay the tuition reimbursement I received from a former employer, XXXX XXXX, nor was I notified that this 'debt ' was getting sent to a collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I received dispute results from Experian for report number XXXX. The results stated that the tradeline XXXX XXXX was reporting accurately. The 'terms '' of this tradeline are not correct. The tradeline was allegedly investigated by Experian through XXXX. This investigation is null because the reported 'terms ' are not correct. The report also states that I was 30 days late Experian is also reporting late payment information.
Product: Debt collection

Thank you for your response, but after reviewing the information provided I noticed some inaccuracies in the documents you provided that go against rights as a consumer according to the CFPB. 

According to your Account Summary Report you mentioned the Date of Last payment was XX/XX/XXXX, when my credit report states the Date of Last Payment was XX/XX/XXXX. Also in your letter you mentioned the account was charged off on XXXX XXXX but according to my consumer report/credit report it shows the Last Active Date of XX/XX/XXXX and XX/XX/XXXX. 

Based on the multiple inaccuracies you provided, they are highly injurious to my credit report, credit score, and it violates my rights as a consumer. With this debt I did not have the opportunity to dispute. I did not receive proper notification. If in fact you believe I received proper notification please provide the certified mail with a receipt with my signature on there stating that I received it. 

Based on legal consultation, The debt collector could face a fine from the government or a claim from the customer that the company violated the FCRA. The government recently fined one collection agency XXXX XXXXXXXXXXXX XXXX for systematic failures in determining accurate dates of first delinquency.
Product: Money transfer, virtual currency, or money service

I sent my granddaughter XXXX euros on XX/XX/XXXX. she's locked out of the account and can not retrieve the monies. the money sets in a locked account. no one will help and my granddaughter opened the account as a minor but gave false information, so, she doesn't remember any of it. 
XX/XX/XXXX I accidentally sent XXXX euros to my grandsons old account. there was no opportunity to reverse it. now i'm stuck with the same problem. he has no way to access the account. 
so paypal is sitting on XXXX euros and I can't have it back and they can't access it
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, in accordance with the Fair Credit Reporting act XXXX  Account # 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: Vehicle loan or lease

XXXX misrepresented by the dealer, unaware of existing fees, services and products included, incorrect information, falsified alter documents loan agreement and signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft. I recently reviewed my credit report to find request for information but this is all Fraudulent request. I have not applied to any of these places. Please review the attached FTC report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has been calling me since XX/XX/XXXX demanding I pay for a loan check that was cashed in XX/XX/XXXX. I have not lived at the address the check was mailed for over 2 years. I asked for a copy of the check and the signature and other information on the back of the check does not match mine at all. They loan office location agrees with me, but swears there is nothing they can do about it and the loan must be paid.
Product: Checking or savings account

Received a letter stating pursuant to the terms of Zions Bancorporation, NA has elected to close the account effective XX/XX/20. The letter was dated XX/XX/20, and I received it on XX/XX/20. 
Called the bank, and was told that there was a clause in the agreement that the bank could exercise this right and they have chosen to do that.
Product: Credit card or prepaid card

Being charged and credit balance increased for website for business referrals XXXX and also from a vitamin company through XXXX after trying to cancel charges. First, my Capital One credit card reached the maximum ( {$15000.00} ) and the credit card company charged the over-the-limit fees. Then, the credit card company increased ( against my will ) the credit card to {$16000.00}. I intend to pay off this credit card balance in one full payment and close this credit card account. The credit card company is telling me that even with that they can't guarantee closure of this credit card account. I have " A '' and I don't want to damage my credit score. Can you please help? 
The balance on the account at this time is {$16.00}, XXXX.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Credit reporting or other personal consumer reports

This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained these results. Did you receive written notification from the company, or was it a verbal confirmation? 

Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 
ACCOUNTS : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my XXXX  report and I noticed some account on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately : Suntrust {$570.00} The reporting of these account ( s ) is/are violations of 15 USC 1681 , and the Fair Credit Reporting Act " 15 USC 1681 a 2 b '' ( See below ) Exclusions Except as provided in paragraph 3, the term consumer report does not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device.

The credit issuer or debtor has not issued a 1099C " cancellation of debt '' tax form since the alleged debt has been written off and therefore considered as income for the issuing company. I have not received a 1099C tax form. Since the debt is considered income for tax purposes on the companies end, the debt can not be listed on my consumer report according to the FCRA.
Product: Checking or savings account

i am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal Credit Union for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit card or prepaid card

I applied for a balance transfer though my TD Credit card. The amount was {$1400.00} and the fee for the transfer was {$42.00}. The term for the transfer was 0.00 % apr till XX/XX/2024. 

When the next statement was issued the balance transfer showed that it was for an APR of 19.99 % I called the bank multiple time and sent them my confirmation screen which included the confirmation number the APR of 0.00 % till XX/XX/2024. The excuse I received was that it was processed on XX/XX/XXXX and the offer was valid till XX/XX/XXXX. 

I completed the process on XX/XX/XXXX at XXXX XXXX  and I have attached a printout of the confirmation of the balance transfer agreement with the 0.00 % XXXX till XX/XX/2024. TD credit card service informed my that the agreement confirmation doesnt mean anything until they process the application. Something which I have no control over. I was still told that they couldnt change it once it posts and I am responsible for the charges because they posted it next day. 

Now I will be forced to pay-off the entire credit card balance which includes an amount for a previous balance transfer or transfer the total balance amount on the card again to another card and pay another transfer fee. 

TD credit card services stated they can not refund me the balance transfer fee or cancel the interest I was charged even if I paid the amount in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that many accounts on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous accounts that need to be investigated and corrected : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX