23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

XXXX XXXX, 2024 the insurance company sent off a payoff check. I reached out to the loan company Santander consumer USA that same week they told me the initiated the gap claim. XXXX XXXX 2024 the loan was not paid off. I reached out to Santander again and they said the claim was submitted. The gap company said the claim was never initiated. Contacted Santander again let them know they said they just saw an email from XX/XX/scrub> 2024 that the gap company needed documentation. The representative then told its not there responsibility to file gap and said it was mine and refused to send me any documentation needed towards initiating the claim. I have until XX/XX/XXXX theXX/XX/XXXX days after the total date to submit the documents or it voids my gap contract.
Product: Credit reporting or other personal consumer reports

EXPERIAN HAS REPEATEDLY FAILED TO COMPLY WITH 15 USC 1681e, ( b ) ACCURACY OF REPORT, Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

THE FOLLOWING INACCURATE AND INCORRECT ACCOUNTS HAVE REAPPEARED AND CONTINUE TO APPEAR ON MY EXPERIAN CONSUMER REPORT IN VIOLATION 15 USC 1681i ( a ) ( 4 ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

CONTRARY TO AND IN VIOLATION OF 15 USC 1681i ( a ) ( 4 ), EXPERIAN HAS FAILED TO CONSIDER MY XXXX CONSUMER REPORT DISPUTE RESULTS AND CFPB COMPLAINT XXXX REFLECTING THAT ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, ARE NOT MINE AND HAVE BEEN PERMANENTLY DELETED FROM MY XXXX CONSUMER REPORT AND XXXX CREDIT FILE.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous dispute regarding unauthorized credit inquiries that appear on my credit report. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I formally requested an investigation into the inquiries in question and demanded that they be removed from my report if they were found unauthorized or in error. 

To date, the resolution provided by your office has been unsatisfactory and has failed to adequately address the issues raised in my initial dispute. I am therefore disputing the following unauthorized inquiries again : Disputed Inquiries : 1.- XXXX XXXX  Inquired on XX/XX/year>XXXX XXXX
Product: Debt collection

I received a voicemail on Tuesday, XX/XX/XXXX at approximately XXXX XXXX XXXX XXXX  from a woman named XXXX XXXX. She gave a case number of XXXX. She indicated that a case was being filed against me and I would forfeit all my legal rights, that my supervisor at work would be contacted and that I will be found. She spoke in a manner to indicate that she was calling from the XXXX XXXX County court. I have attached the voicemail below. When I contacted the number she left, it was a collection agency. I spoke to XXXX XXXX and gave him the case number from the voicemail message. He told me that I owe {$800.00} on a {$400.00} loan if I pay today. If I do not pay today, I will owe over {$2000.00} related to interest and court costs. I asked about the person who left the voicemail on my phone. Mr. XXXX told me that she had misrepresented the matter and that she does not work for the same company, even though they both had the same case number.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom It may concern, I recently, reviewed a copy of my XXXX credit report and { WFDS } ran an unauthorized credit inquiry on me on XX/XX/2019. 

I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact XXXX XXXX XXXX XXXX and investigate such occurrence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a scam text. It states " Chase : Your card has been declined due to suspicious transactions. To reactivate it kindly visit on : XXXX XXXX XXXX  " Their phone number is listed as : XXXX ( XXXX ) XXXX
Product: Checking or savings account

Over the past couple years, I have had a frustrating increase in overdraft fees that I have seen changes in times at merchant services because I own a restaurant will apply certain payments at the end of the weekend when I have plenty of funds in my account, those payments would be addressed on Mondays, or Tuesdays, but as soon as my my son started to struggle, they would process on XXXX which caused a number of return items for nonsufficient funds, overdraft fees, and so on. My bookkeeper even started noticing this, and spoke with me about this just a couple weeks ago. On XX/XX/XXXX I took a credit card deposit payment over the phone from a client that I was going to cater for. The amount was {$500.00}. I was really counting on that money and the next day it never posted to my account that is my business account I called and called merchant services and finally after about XXXX minute wait they let me know that the amount was kept by a collection department. I asked him what collection department and they said it was for merchant services because they kept the money for fees I owed months prior, I said thats perfectly fine, but why didnt my money hit the business account first how am I going to explain this to my bookkeeper? All she could tell me and kept repeating herself that I owe the money. Ive been demanded for a history and documentation of every transaction they ever made with my business account from my clover account at the restaurant, I wanted the documentation immediately this was back in XXXX, and I have yet to see the paperwork I asked for. Even in my regular personal account that I had with my mother who has since passed away, I have noticed that they took away my overdraft fees. So I shouldnt be able to make transactions if I dont have the money. Well, I have money in my account. I transfer it to my daughters account. They charge me {$35.00} the next day for paying the {$30.00} to my daughter that I transferred when I didnt have the money in the account. Untrue! Please, for the love of God look into my case.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Product: Mortgage

XX/XX/XXXX To whom this may concern : A few months ago I started having many issues with USBank online banking system. Maybe it is too big?! I thought. I apologize for not having all dates but given time I could find them. I have been banking with USBank for decades. By the end of XX/XX/XXXX it was getting so annoying that I started asking for help with other financial institutions Since the recent online format change with USBank the payments are not seen on both accounts for mortgage payments. It shows on one part of the dashboards - mortgage. Today I have taken USBank surveys and reported it. 

AND XX/XX/XXXX I tried calling US Bank online twice to make sure it was going to process. The first operator told me to use my debit card and we were disconnected. The second operator didn't ask verification questions told me that it was paid already.I don't know if this last payment was paid since it doesn't show on the account the money was taken from. And we were disconnected. Who should I believe? 

So many more complaints... 

I don't know how to report having to share my medical PII too. Should I? Nor do I know how to report one of USBank employees that gets frustrated with their computer system and pounds his fist into the counter top either. Finally I have been locked out of online system to purchase food. I have even visited my local PD for advice with them. The account was locked and I was blocked from turning back on to purchase food. 

What may I do? 

Thank you in advance,...
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX SSN : XXXX XXXX XXXX ID Type : Passport ID Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX Email : XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX XXXX XXXX ) XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. Upon reviewing the report, I have identified discrepancies that I believe are inaccurate or outdated I have NEVER opened or used the following account numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my Early Warnings Consumer report immediately! Ive attached a copy of the report to this request. 


Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is in reference to complaint # XXXX filed yesterday XX/XX/2023. 
I apologize for a mistake that I made. I understand that you usually do not allow new material to be submitted to complaints ; that is not my intention. I am hoping that I can replace the wrong document with the right intended letter. 


The attachement below " Convergent Dispute XXXX '' was somehow mixed up with a form letter for disputes that I used to use when I was a XXXX XXXX XXXX. When I realized the error, the only thing I could do is to try to correct the mistake by giving you the correct letter that consist of the same gist of the content in the above numbered complaint submitted yesterday. I understand if this letter will not be included. I hope that the correct documents submitted were able to convey clearly what is feel is a gross violation of consumer protection laws.
Product: Bank account or service

I have a XXXX email account where much of my personal business was transacted. Since XXXX of this year, if not sooner, I started to received fraudulent, hacked alerts for accounts utilizing my social Security number, name, address stated I have accounts and out money On XXXX/XXXX/2016 also have an inquiry from Capital One Bank. I have had this problem before and would like this inquiry removed from my consumer credit report as part of this anti-ID theft action I an taking to protect myself.
Product: Credit reporting or other personal consumer reports

XXXX XXXX sold this account to unified. I signed a contract with unified to delete this account. XXXX XXXX no longer have this account and still verifying this account.
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I was scam, someone hacked my XXXX and started making charges twice I change my account, been with bank for over XXXX yrs and never spent that much money. Bank was BB & T and now its Truist. Pls help to get my money back
Product: Credit reporting or other personal consumer reports

To whom it may concern, As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I previously contacted your company to inform you that I am a Data Breach/ Identity Theft victim. I also contacted the Federal Trade Commission and filed an attached FTC Report. I demanded that you please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX XXXX - XXXX - Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed this payment history. Else, DELETE this account immediately!
Product: Money transfer, virtual currency, or money service

All this happened today XX/XX/2018 : I replied to a XXXX  post to buy 2 tickets for this Sunday ( XX/XX/18 ) XXXX XXXX football game. 
I texted the phone number on the XXXX post ( XXXX ) and somebody " named '' XXXX XXXX agreed to received from me {$250.00} for 2 tickets. 

He provided me his name and email ( XXXX ) and using the app XXXX through my XXXX  XXXX XXXX account I transferred him the money to his account in XXXX XXXX. 

After I sent the money, the person never transferred me the tickets. Also he blocked my cell number since I tried to called him and text several times, without success. 
My wife using her cell phone, contacted the person ( XXXX ) randomly expressing her interest to buy some tickets. He intermediately replied trying to sell her also the tickets. He started asking for the money using the XXXX app ( same procedure he used with me ). 

I called my XXXX  XXXX and they told me that they can not cancel the transaction because was done using XXXX, but that they will open an investigation.
Product: Credit card or prepaid card

The mailing address was changed on my credit card accounts without my requesting that my address be changed. My credit car company can not explain how this change occurred. Not only was the address change on my account, but also on the accounts of other cardholders that live with me. The credit card company can not tell me when the address was changed or by whom it was changed.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I am writing regarding my credit report, which contains inaccurate and incomplete information that requires your attention. The reason for my dispute is that your agency has not provided sufficient information to verify the debt in question. XXXX and XXXX, another credit bureau, has already corrected the inaccuracy these accounts from their records due to an identified error. I am perplexed as to how you have verified these accounts while the other bureaus have updated it. Therefore, I request that you correct these accounts from my credit file as it is inaccurate, erroneous, incomplete, or unverifiable. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

I was married and in a abusive relationship. On XXXX, XXXX of XXXX I was called in court and had my divorce granted getting my divorce degree. I then had to travel out XXXX 2 days later and left my wallet at home. Later on I found out that my ex-husband which was still in the house and had been asked and given some time to move out friendly since our divorce was consensual from both parts. He stole my debit card from my wallet and made deposits and withdraws without my permission or knowledge. Since I was out XXXX and sick XXXX I was not looking at my bank account often. I contacted the bank as soon as I was able to, less than 60 days of the happening. I was back in the XXXX XXXX, XXXX still debilitated due to the XXXX. I put a fraud alert on XXXX, XXXX of XXXX. At this occasion the fraud Claim department issued me a new debit card to prevent additional fraud and so my pin number was changed. I am a chase customer since XXXX/XXXX/XXXX, being the account solely mine. I think the bank institution not properly handling my case. since for The transactions I disputed was not authorized by me at all and they are not properly handled up to this point. When I was still married with this abusive person I did help depositing his checks on my account ; however, when we got divorced I was clear to him not to use or get anything that belonged to me at all. XXXX XXXX opened an account with XXXX 's XXXX and He had no need to get into my bank account to make any deposits or even withdraws. I was divorced at the occasion my ATM card was used. It was an abusive person taking advantage and not acting in a good faith. The bank has not given me clear answers on why the fact I was not longer married being overlooked. Even after several phone calls to the bank they still have not removed his deposit from my account neither gave me a solution for the withdraws right after in my account.
Product: Credit card or prepaid card

I have done everything possible to get my XXXX money from this company since XX/XX/XXXX. It now XX/XX/XXXX. I have been filing my weekly claims and the money has been going on to the card every week for almost a year but I still do not have access to my money because I still have not received my ReliaCard in the mail. It says they sent it out last year in XXXX, but it never came because I moved. I changed my address on my account, I got my address changed on my driver 's license, I have called every number possible to verify my identity with ReliaCard as well as verified my ID on their website by taking a picture of my driver 's license and a selfie, more than several times. Still nothing. I am about to get evicted from my home because I am so behind on rent as I have been waiting months to get my XXXX money to get caught up on bills. This company is extremely unprofessional and I believe it is fraudulent. I am not the only one having this problem, I am one of thousands of XXXX  who still have not received their XXXX money whose life is now in shambles because they have been relying on this money to get by! Please help!!!! I just want them to mail me my new ReliaCard with the account unlocked so I can access my money and keep my home!
Product: Debt collection

I ran my credit report and it shows a derogatory mark from " XXXX XXXX XXXX '' in the amount of {$870.00} which shows an account opened date of XXXX/XXXX/2016. I have not received any communication from this company pertaining to this debt. No one has attempted to contact me by phone or mail. I have no idea what the amount is for. I disputed this with the credit agency and the result was that they added a note on the derogatory mark that states " account information disputed by consumer. '' I did not open an account with anyone on this date or around this date. I have 1 account that is 4 months old from XXXX XXXX. This is the only new account i have and it is in good standing. I do n't even know what this debt could possible be for??
Product: Money transfer, virtual currency, or money service

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 neglected to protect consumers and allowed repeat offenders to exploit the system, leaving users vulnerable to scams. There have also been times when I am told someone sent me money via Zelle and it never makes it to my bank account. This unacceptable lack of accountability and transparency raises serious concerns about consumer safety.
Product: Student loan

On XX/XX/XXXX  I payed the " Online '' payoff amount for my Direct Parent PLUS loan of {$16000.00}. 

Ed Financial received my online payment for the entire balance of the loan, but then charged me a {$310.00} " Rebate Reversal '' fee on XX/XX/. This is the fee I am questioning. 

Since the date of the " Rebate Reversal '' fee, I have talked to representatives of Ed Financial twice and asked them to justify the fee. The first time, on XX/XX/, they took my info and said someone would get back to me in ten days. The second time on XXXX, after again explaining that I was questioning the RR fee, I was put on hold for twenty minutes or more, then got disconnected. 

The " Rebate Reversal '' is still showing due on my balance, along with interest, at a current annual rate of 8.650 %. The Current Balance on my account as of today, XX/XX/2023, is {$310.00}.