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

On or around XX/XX/XXXX, a potential lender checking my credit discovered a delinquent credit card debt with US Bank listed on my credit report. On XX/XX/XXXX, I reviewed my XXXX credit report in detail and found the credit card debt in the amount of {$3900.00} opened on XX/XX/XXXX in my name and was closed as a charge off after a couple of payments were made and then stopped. The status was updated in XXXX, XXXX. I'm not sure if this represents the date it was closed as a bad debt, charge off. I do not now nor have I ever had a credit card account with the US Bank. Therefore, I filed a dispute with XXXX. I was directed to a phone number to speak with a representative which was someone at XXXX. She asked if I had spoken with the creditor. I told her not as of yet as I thought the number I was calling was the creditor. I was told to file a report with the FTC and provide them with a copy. She asked if I wanted her to place a lock on my credit file and I told her yes. She said this would stop anyone from opening credit in my name unless they verified that with me first. This was to last only for 1 year. She asked that I upload a copy of the FTC report to their website if one is filed. 

I attempted to contact a bank representative on XX/XX/XXXX by calling XXXX to determine how this account was opened in my name and to get it cleared from my credit report since it is not mine, but after being transferred a couple of times by XXXX XXXX and XXXX XXXX, the third person I spoke with XXXX XXXX told me she could not do anything that day and told me to call back on Monday XX/XX/XXXX which I did but the bank was closed for the XXXX XXXX. I attempted another call this morning, XX/XX/XXXX to XXXX and was told by an unnamed employee that I needed to speak with a XXXX XXXX as she was the agent handling the case and her telephone number is XXXX. Unfortunately, she is out of the office until XX/XX/XXXX so I left a message on her voice mail for a return call. I have not had success thus far in speaking with anyone and since they do have my SSN I don't have any confidence that they will agree with me that I am not the person who incurred the debt with them. I'm simply tired of the run around. Therefore, I proceeded to file my complaint with the FTC and I was rerouted to your website as the agency that handles this type of complaint. Can you assist me with getting this cleared up and removed from my credit report please. 

Note : An initial fraud alert has been placed on my XXXX Credit Report until XX/XX/XXXX. They forwarded the alert to the other 2 credit bureaus, XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit freeze on my credit report. On XXXX XXXX I received my experian credit report and experian has aloud companies like, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and others to get a copy of my credit report. Even on my experian report it has in bold letters ( FILE FROZEN DUE TO STATE LEGISLATION ). experian has been allowing this for years. I put a freeze on my credit report back in XX/XX/XXXX. I have never applied to these companies. Now a day 's I know every one is making money on selling are information but we are expect to be accountable for are actions and are own credit reports these companies should be accountable for their 's.
Product: Vehicle loan or lease

The loan was issued by Citizens one bank, with no payment restrictions. When attempting to make the monthly payments on the first of the month, not after the statement is issued, the bank applied the entire amount to the principal, and when the statement arrived it said that there had not been a payment for the month, charged extra interest, and a late fee. 
When contacting the bank, they service manager said that it was not allowed to make payments before the statement had arrived. This is just not true. A an attempt to manipulate customers into believing they have no choice but to pay the loan off while the bank makes the maximum amount of interest per month. 
When calculating the fixed interest rate ( 2.16 % ) and balance of the loan, it is inaccurate and excessive. The incident was XX/XX/XXXX, payment of {$810.00}, all of which went to principal. Then a statement was received with a payment of {$810.00} on XXXX XXXX, with an interest of {$55.00}, principal of $ XXXXon the balance of {$28000.00}. 
Using a loan calculator, and a balance of {$28000.00}, the interest is {$51.00} and {$760.00} goes to principal. 
This is just one discrepancy. It is monthly, with interest charges greater then the rate. Over the course of 2 years this has cost hundreds dollars. And over the life of the loan will be in the thousands. 
This discrepancy of interest to balance has been going on for the life of the loan. I have made a payment this month for the monthly installment of {$810.00}, as of XX/XX/2023. This will be the test to see if this bank continues to refuse payments early for the monthly loan installment, not just towards principal. This was acceptable in the contract of the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several open investigations ( disputes ) initiated due to inaccuracies and/or incomplete information on my Equifax credit report. The disputes are attached. 

It is my understanding that if the information on my credit file can not be verified, updated or corrected, then the items must be deleted. 

Equifax, in some of these cases, appears to have failed to properly investigate my disputes within the allotted time, based on Federal Law ( FCRA ). Equifax has not provided me with updates, nor have they informed me if additional information would be needed in order to extend their investigation.
Product: Debt collection

XXXX XXXX has been using " ghost '' collection agencies to continue to harass me for months. XXXX, XXXX XXXX, and Stellar Recovery are in fact XXXX XXXX employees falsely claiming to be collection agents. What they are doing is making an end run around the Fair Credit Reporting Act. Notwithstanding my best efforts XXXX XXXX has yet to provide me with written proof of this debt even after multiple written requests for this information. Stellar Recovery has called my cell phone over XXXX times and has yet to provide me proof of this debt.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention an issue I have been facing regarding my credit report. I have previously submitted disputes for certain accounts, but despite my efforts, these disputed accounts have not been removed from my credit report. 

I initiated disputes with the credit reporting agencies, I have attached copies of the dispute letters I submitted. Despite following the proper procedures, the disputed accounts continue to negatively impact my credit score. 

I kindly request your assistance in investigating this matter and facilitating the removal of the disputed accounts from my credit report. 

I understand the vital role that the Consumer Financial Protection Bureau plays in ensuring fair treatment of consumers, and I am hopeful that your intervention will help resolve this issue promptly. If you require any additional information or documentation, please do not hesitate to contact me. 

I appreciate your attention to this matter and thank you in advance for your assistance.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are 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 XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX 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. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

I am formally submitting this CFPB complaint just to notify you about the late open account upon checking it in in my credit file. I found out that the charge off and late/closed accounts still on my credit file which are appeared as late, the fact is, I've been paid it already. I dont even know why there's a charge off account in my credit file. I have carefully reviewed my credit report from your agency and have identified errors that I believe require immediate removal. I have outlined the details of the disputed information along with an explanation of the inaccuracies : the late payment reported on the above-mentioned account is incorrect. I have carefully made all payments on time as per the terms and conditions of the agreement with the creditor. I have enclosed copies of my bank statements, payment receipts, and any other supporting documentation to substantiate my claim. I kindly request that you investigate this matter promptly and correct the inaccuracies on my credit report as required by the Fair Credit Reporting Act. Please provide me with a written confirmation of the correction once the investigation is complete. With your assistance, these charge off and late/closed accounts should be removed in my credit file immediately : XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, or personal loan

I had to change my bank account three months ago and the change did not take. They have calling at three times a day. Reporting my account late and charging me NSF fees on no bank account on file. They refused to fix the problem and will not remove the fees. The wealthy taking advantage of a consumer..
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. Remove the following items : XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, MO XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$670.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX 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: Credit card or prepaid card

This BK OF AMER XXXX, XXXX account is reporting derogatory information as reported in my Credit Bureaus XXXX The first being with the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below is inaccurate. The Credit Reporting Agencies has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. 

BK OF AMER XXXX BK OF AMER XXXX
Product: Credit card or prepaid card

I haven't bought anything in over a year on this card and have been making my payments religiously, however my balance has remained over the limit. I have tried to dispute directly with them, but they refuse to allow me to do so via email ( I get very stressed speaking to them as I have XXXX XXXX  ) I am asking for a breakdown of all purchases since the card was opened along with whether Pin was used or not, and a ledger of all interest and fees. They took over my account and put something into the account which has led me to believe there are several inaccuracies.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022 I attempted to contact Experian to freeze my credit. I did have a previous account. I attempted to login with that account but it did not accept my credentials. When I put in for them to send new password, it sent the information to an incorrect email address that was not mine. in order to get to that point I had to include my Social Security number. So my concern is that my Social Security number may be out there at someone elses email and I cant freeze my credit through Experian. Ive used their online information and can not get through to them. I looked everywhere I could to get a live person to talk to me and there arent any of the options that allow for that. I reached out to the XXXX XXXX XXXX and California financial protection and innovation department. They said the FTC is the proper channel for this. I hope you can help. Thank you.
Product: Debt collection

Date opened : XX/XX/2019. XXXX owed : {$1100.00}. I am not liable for this debt with XXXX XXXX XXXX XXXX. I do not have a contract with AR Resources INC.
Product: Credit reporting or other personal consumer reports

I have disputed a collection item on my TransUnion credit report over a year ago and it's still pending. it has been removed from XXXX and TransUnion. The item is going on XXXX XXXX XXXX and is a pending dispute. I have asked for it to be removed from my credit file from TransUnion but when ask they are not willing to remove it, investigate it and or respond to the item it just pending and have been for a year.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transcript as of XX/XX/2017 shows I was in school and took 8 credits as required to quality for deferment/forbearance with late payments as a  matter of law. Took classes online with XXXX XXXX college at XXXX XXXX XXXX, XXXX, Maryland XXXX. It is XXXX XXXX XXXX XXXX XXXX/XXXX. My student ID # XXXX. 

There was also a request for administrative forgiveness of loan and the interest reported should be canceled along with principal. The loan balance overstated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ally Financial Inc . XXXX MN XXXX ( XXXX ) XXXX It 's rediculous that this company ran my credit without my authority. I Have 3 Hard Inquiries in my XXXX Credit Report XX/XX/XXXX - XX/XX/XXXX- XX/XX/XXXX this has to be removed it 's affecting my credit report. National Credit Cards / Airlines. XXXX XXXX XXXX California XXXX XXXX This company ran my credit without my authority. I have 3 Hard Inquiries XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX This is affecting my credit report it has to be removed from the XXXX Credit Report. XXXX / XXXX XXXX XXXX Illinois XXXX XXXX was run twice without my authority. XX/XX/XXXX - XX/XX/XXXX It 's been affecting my credit report from XXXX Has to be removed XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX Hard Inquiries XX/XX/XXXX - XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

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 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.
Product: Credit card or prepaid card

On XX/XX/XXXX, sent an email to their gift dispute email. 

I purchased several XXXX dollars of gift cards from XXXX XXXX in XX/XX/XXXX some were {$25.00} and several {$50.00}. On XX/XX/XXXX I had a couple debit card left over and I tried use a {$50.00} at XXXX and there was only XXXX cent on the card. 

I immediately went to XXXX XXXX and was informed the {$50.00} cards come in already loaded and the {$25.00} they load. 

On XX/XX/XXXX, I received an email back from Dispute Form Entry ( XXXX ) saying " please use this email as confirmation that your dispute packet has been received and forwarded to the Dispute Resolution team. You can expect complete resolution with 45-90 days. The outcome will be communicated to you via email. NO CASE number on the email and it have 90 days. Also, it stated, this mailbox is not monitored. 

I sent an email again last week, the balance is still XXXX cent and no communication received. Also, checked spam {$50.00} dollar may not be a lot to them, but I paid {$50.00} and they stole {$49.00}. 

Please assist me with this complaint. 

Thank you XXXX XXXX XXXX The Card # XXXX
Product: Money transfer, virtual currency, or money service

I Am writing to formally express my concerns regarding Zelles handling of disputes, particularly in the light of 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 the 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 repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I received a call which looked like it was from US Bank customer service about a possible scam or fraud on my US bank account using XXXX. I put the person on mute and checked the phone number to make sure it was a legitimate phone number, it was. It was the phone number listed on the XXXX search for US Bank customer service. The woman on the phone told me that it looked like there was a {$2000.00} charge with my XXXX account. I did not know what XXXX was at the time, I had never used it before. She asked me to open my mobile banking app and that we would look at it together. Thinking that it was someone from the actual US Bank customer service line, I opened my app. After opening the app, she asked me to click on the XXXX button at the bottom of the screen. When I did this my phone made the sound that sounded like money was being sent kind of the whoosh sound and immediately {$2000.00} was gone from my banking account on authorized by me. As soon as it happened she got very sketchy and immediately got off the phone. I hung up and immediately called my local branch and they helped me put a hold on my account and I went as soon as I could and reported everything. I was told to make a police report and have done that. I have been fighting US Bank since XX/XX/XXXX, we have open four different claims on this incident. US Bank tells us there is nothing that we can do except to sue the person that did this, I have no idea who did this because they called from a number that was US banks. I am at a loss of what to do now.
Product: Checking or savings account

I been a customer of MoneyLion for years and enjoyed their various products which include instacash ( a cool feature to increase your cash flow ) and 2 day early direct deposit. The reason for the complaint is the dispute process. Which is very old fashioned and inconvenient to the customer. Imagine a scenario where you didnt receive your XXXX goods where you spent hundreds or even thousands of hard earned dollars on. You go to the merchant and they cant help you so you go to the only one you can trust, your card provider aka bank aka MoneyLion. Now you goto dispute and they tell you instead of receiving your provisional credit within hours like most banks do, that you have to wait 10 business days and if qualified will receive your provisional credit back. It was a let down hearing that but I waited patiently and the 10th business day comes I contact customer support for them to tell me they working on it and to mail them the dispute. Like what? Why you guys didnt tell me prior to do that? And now they telling me it can take 90 days to receive it and provisional credits are not guaranteed. All around it sounds like a big red flag and I dont like that. When people spend their hard earned dollars on something why you guys making the customer feel at fault and holding their money hostage? This is one of the worst experiences ever and Im moving my direct deposit and will never invest in this business. I was prompt and efficient in contacting them and asking for any further documents via phone, email, live chat and they treating me like I shouldnt have lost my products. Im sick and tired of companies getting away with this fraud!
Product: Credit reporting

In numerous previous complaints from earlier this year, I asked that clean, corrected copies of my credit report from Experian be mailed to me. This is the only way for me to verify what the latest invented garbage is that they so habitually insert into my credit file. I challenged numerous items yet I have not received a corrected copy of my credit report. 

It is preposterous that consumers can receive only XXXX copy of their reports a year. This means that the largely illegal activity of Experian can not be detected, unless consumers are willing to pay this criminal agency to reveal only their latest activity which does nothing to curb their habitual and wanton violations of fair credit reporting laws. Consumers should be allowed to receive free copies of their credit reports at least XXXX a month, given the enormous amount of unverified information that appears in credit reports and Experian 's ready trafficking in it, by collecting fees from all kinds of bottom-feeding and any other agency it can get money from. 

( See numerous complaints against Experian from earlier this year, as well as last. )