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

I DO NOT consent to any automated scan response or e- Oscar verification methods. 

I notice there is a very serious error in reporting. I reached out to all three credit bureaus Transunion, XXXX, and XXXX to dispute incorrect and invalidated reports provided by XXXX XXXX XXXX XXXX. All 3 returned as validated but provide no evidence after a re-investigation. This constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. 

There are many months missing data. There are also multiple charge offs for the same account. The account showed positive status after charge and then many incorrect negative statuses followed by more charge offs. This is impossible Specifically on the XXXX report, I Don't recognize account ending in XXXX on the report. 

All Bureaus continue to report missing, incomplete and inaccurate data reported monthly. There are several months missing whole data and information. This constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I requested your credit bureau to initiate an investigation and to validate this information. This information was not validated. This information has greatly impacted my ability to qualify for other opportunities and I have been denied opportunities.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act FCRA to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. 

The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. 

These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit card

In XXXX XXXX XXXXXXXX, we created a CareCredit account Synchrony Bank to pay for my son 's braces. This was an interest-free payment plan that we could pay over 18 months, set up through our orthodontist, XXXX XXXX at XXXX XXXX XXXX XXXX The total due was XXXX. We enrolled in autopay, and made regular payments on time. However, at the end of 18 months, there was no alert or warning that this was not, in fact, an interest-free payment plan, but that the interest had been " deferred, '' On XX/XX/XXXX, our account was hit with XXXX in interest charges, and then another of XXXX on XX/XX/XXXX. Again, there was no notice that our 18 months was up, and no request to pay the remaining principal. Further, when I look at the auto-payments, they total {$2400.00}, representing an overcharge of {$340.00}, but when I spoke with their customer care center on the phone, they told me we still had a remaining principle of {$1700.00}. Despite numerous phone calls, they are unwilling to remove the interest charges, and claim currently we owe them more than twice the amount we started out with.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles 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 infeasible. 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. This lack of accountability is unacceptable and raises serious concerns about consumer safety.
Product: Credit card or prepaid card

On XX/XX/XXXX, my account was compromised. Someone sent themselves {$410.00} & {$580.00} 2 transactions. The name was XXXX XXXX. 
This was not authorized by myself, I realized this a day later, when I was trying to remove money from an atm.
Product: Debt collection

In XX/XX/XXXX a debt collection agency added an alleged delinquent account to my credit report for a medical bill from XXXX. I had medical insurance at all times and all bills that were submitted as a claim were paid by my insurance company. There was no claim submitted to my insurance for the bill they are claiming is delinquent. I am not responsible in NJ for a medical claim that was not submitted in a timely manner by the provider. 

I have called the agency but they refused to remove the debt from my credit report. The agency is Remex, located at XXXX XXXX XXXX, NJ XXXX. Their phone number is XXXX. The alleged account number ends in xxxXXXX. The charge amount is $ XXXX.My health insurance company, XXXX XXXX XXXX , has no record of a claim being submitted for XX/XX/XXXX for me from the provider, Immediate Walk-In of XXXX, NJ. 

This same company did the same thing to my son about 2 weeks ago for the same alleged debt type and the same amount. He paid the account charge of {$91.00} by credit card because he didn't know how to dispute it. This alleged debt also should have been paid by medical insurance but only if the claim was filed by the provider.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it XXXX concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 submitted a letter to the 3 Credit Bureaus to fix these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was reviewing my debt information and I saw that I had some thing on there for medical which is very strange because I have had XXXX XXXXXXXX through XXXX XXXX since 2018 I have never once had to pay out-of-pocket for any medical services with the exception of prescriptions that cost {$1.00} to XXXX dollars each. 
To my surprise, I had a radiology collection on my account, and when I tried disputing it the first time they refused to take it off
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX ; XXXX, XXXX, XXXX  ; XXXX, XXXX ; XXXX, XXXX ; XXXX XXXX XXXX, CA XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$370.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have contacted XXXX, and Equifax online, and/or on the phone, they had both decreased my score, 13 points after my overall debt DEACREASED, the points were put back, however, they have been doing this over the course of 8 months, I had been paying down my debt, I would see great your debt has decreased by X amount of dollars, then followed by my score DECREASING rather then increasing! My scores were close to XXXX, the only accurate score is that of XXXX. They have not looked into previous decrease errors in my score, and I am tired of sitting on the phone, not getting return emails, constantly getting robo responses rather than listenting and looking into my actualy complaint. It is unfair and incorrect, fraudulent practice I have never seen before in my life and I keep tabs on my credit report.
Product: Checking or savings account

Ive had XXXX payroll checks deposited into my account. Each of which they have placed holds on my account and the check. They have just taken every XXXX from my account saying the funds weren't available. I have gone to the branch and they refuse to help and i have spoken to XXXX loss prevention supervisors over the phone XXXX of which hung up with me. Ive requested to speak with a department manager and have yet to receive a call. Ive been told multiple lies and they have not resolved the problem. Im looking to hire a lawyer to resolve this issue for time loss and also damages because they have taken my money that i have worked for, how will i pay my bills, my mortgage?
Product: Debt collection

A demand letter dated XX/XX/2018 was received from Federated Law re : XXXX XXXX credit card debt. 

This account was under debt management. 

I notified XXXX about the letter dated XX/XX/2018 and XXXX has removed this account from debt management as a result of the letter. 

Federated Law has requested that I inform XXXX XXXX about payment. On XXXX.18, I spoke with XXXX ( Federated Law representative ) and she requested that I call XXXX as she could not discuss matter further. 

Federated Law and XXXX XXXX have been notified of their individual actions.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against TransUnion regarding their failure to investigate disputed items and for not providing the specific information I requested regarding how they verified the disputed items, despite my efforts to provide all necessary documentation for identity verification. 

On XX/XX/year>, I mailed a dispute letter to Transunion requesting for Transunion to provide information on how they verified the accuracy of the bankruptcy record on my credit report : Court Name : U.S. Bankruptcy Court Reference Number : XXXX However, I did not receive a response from Transunion with the investigation results. 
In my dispute letter, I requested detailed information on how Transunion verified the accuracy of the disputed items on my credit report. Specifically, I asked for : The date they contacted the creditor and furnisher. 
The contact information of the creditors and furnisher. 
The name of the person who verified the disputed items. 
The method of communication used to conduct the investigation. 
Confirmation of whether the creditor and furnisher provided my Social Security Number, date of birth, and proof of address. 
Transunions refusal to provide the requested verification details and to properly investigate the inaccuracies has caused considerable inconvenience and distress. The presence of incorrect information on my credit report adversely affects my creditworthiness.
Product: Debt collection

Since about 2011, I am still waiting on wages owed to me. Over the past eight years, I've attempted to make partial payments on my balances owed approximately {$1200.00}. I believe I appreciate McCarthy, Burgess & Wolff originally XXXX accepting {$35.00} a month during this time. However, I am concerned about damage to my credit score in order to qualify for a home. I am still collecting unemployment and now I am starting school next year.
Product: Debt collection

I got a phone call from IQ Data International in an attempt to collect a debt this morning XXXX XXXX at XXXX am regarding a {$250.00} charge that I owed to XXXX at XXXX XXXX XXXX. I was a resident at XXXX ( Located at XXXX XXXX # XXXX XXXX, XXXX, Ca XXXX ) for a period of 13 months, and moved out on XX/XX/2020. According to IQ Data international, I owe {$250.00} to XXXX and now my account has been sent to IQ Data to be collected. I had already contacted the XXXX at XXXX XXXX XXXX XXXX  about this matter on XX/XX/XXXX asking them to call me back because I disputed the charges and did not understand the charges. XXXX has wrongfully charged me for 1 day extra on that bill, claiming they did not get the keys from me until XX/XX/2020. Also, they claim that I have not returned all keys to them so there is a lost key charge ( {$50.00} ). There are some additional charges on the account that I was never told and I never agreed on when I had the manager over for the final walk through of my apartment. 
XXXX management has changed multiple times during my 13 months stay, and there is always a mismanagement of that place. XXXX owes me {$1500.00} for a client referral and has not paid me as of today. They referred my account to IQ Data International and this company called me this morning and the guys were super abusive on the phone. They were yelling and threatening me to pay or they will hit my credit asap. I told the guy I disagree with the charges and I am disputing and he started raising his voice and started became very hostile and abusive. Then I asked for a manager and XXXX came on the line and he was even worse than the first guy. Raising his voice yelling and threatening he will hit my credit and I must pay now. I told him I will be going to the XXXX to resolve the issue and he said they wont see me or they wont talk to me, which was not true. I went in and tried to talk to the new manager and they are gon na look into my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. I paid a mortgage on XX/XX/XXXX, I thought I score on XXXX  would go up. Instead, on XX/XX/XXXX it went down 14 points. This in not correct, please fix. 

2. In the Paid are of all three Agencies it does not show the I paid XXXX to XXXX XXXX. 

3. XXXX score is almost 80 point lower than XXXX and Equifax because they stated in the file, I have serious delinquencies when I do Not!. My payment history is exemplary for 10 years. I would like to to reflect on all three reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is violating my rights under FCRA section 605b, by reporting fraudulent transactions to the credit reporting agencies. They have report-XXXX, they are violating by reporting balances that were a result of fraud. Please remove all reporting of this business account from my credit reporting profiles immediately. Attached is the valid and active police report from the XXXX XXXX police department.
Product: Checking or savings account

On XX/XX/XXXX my bag was stolen with my personal belongings including my debit card, my phone, my old drivers license, and my old school ID.in XXXX XXXX, NY. Due to a day full of finals on XXXX, I waited to make it to the bank and close my account/report card stolen. On XX/XX/XXXX after my last final I drove to a chase bank near my home.. I reported my card stolen. The lady at the branch checked my account to make sure the card was not used, and sure enough it was. 12 fake checks were deposited into my account. They were forged and made out to look like they were mine. I filled out a fraud claim. The signature on the fake checks does not even match MY personal signature.. I believe the fraudsters used my old student ID from my previous college to make the fake checks as the fake checks were made out to be written to me from XXXX XXXX. Red Flag # 1 : Out of three whole years of attending XXXX XXXX, I NEVER received a check from them.. I also no longer attend that school. Red Flag # 2 these 12 fake checks were deposited in XXXX, NY. I live 1 hour and a half from XXXX and have NO associations whatsoever with anyone from XXXX.. The 12 fake checks totaled {$4000.00}. I also had {$95.00} in my account which were used as well. Because my father was the joint owner of the account, Chase decided to take {$4000.00} out of his account and hold us liable when I was victimized. A bank that talks so much about making sure customers are pleased and supported, completely failed at supporting us. Instead of accepting my 4 different fraud claims, Chase denied every single one because they believe my pin was shared. I 100 % know I do not have my pin written down anywhere and have never given my pin away.This has been very unfair from Chase 's part. They have made it known that their customers really don't matter and they will do anything to keep our money. My father is now short {$4000.00} and Chase refuses to give the money back. It has been a never ending battle.
Product: Mortgage

XXXX  related forbearance was initiate in 2021. The forbearance ended in 2021 and the loan holder/lender, Bank of America , sent a new agreement to shift the forbearance amount and forbearance payments to the end of the loan period by extending the term of the loan. The signed agreement was sent to the loan holder and confirmation of receipt by the loan holder was confirmed with XXXX postal service. The loan holder lost the agreement signature page. The lender then sent a new agreement with Fannie Mae. Another signed agreement was sent to the lender, The agreement was lost by the lender again. 

Monthly payment were made on the loan fully covering mortgage payments during the period following the forbearance, to date. No payments were missed. The lender has closed the account for payment and has not issued another loan agreement to incorporate the XXXX forbearance amount. The lender appears to be initiating foreclosure. Again, no mortgage payments were missed outside of the forbearance period.
Product: Mortgage

I sent Rocket Mortgage letters on XX/XX/XXXX and XX/XX/XXXX. Rocket has failed to respond to the negotiable instruments. They asked me to give them a copy of POA which I did. I have spoke with XXXX at Rocket Mortgage. She mentioned them having lawyers. I requested them fill out a 1099 OID on behalf of my account as well. They have not responded to any of my request.
Product: Debt collection

XXXX XXXX XXXX XXXX continue to call my cell phone while I was at work. I answer the phone and ask for them to not call during my work hours. The agent rudely stated she will call as many times as she likes, I hung up the phone because I was at work and she called back 7 more times repeatly. That was very stressful because I had to turn off my phone so she would stop calling.
Product: Student loan

FedLoan Servicing/Pennsylvania Higher Education Assistance Agency has lie d to me on numerous occasions with regard to whether my payments qualify for t he Public Service Loan Forgiveness program. In a pho ne call in   XX/XX/XXXX   a representative for  FedLoan Servicing/Pennsylvania Higher Education Assistance Agency  told me that  only three pa yments during my time with my current employer would count toward the 120 required payments to quality for loan forgiveness. She told me that the payments must be consecutive and that each forbearance or missed payment would restart the count. This is a lie. When I found out that she, representing  FedLoan Servicing/Pennsylvania Higher Education Assistance Agency,  had lied, I called back to let them know I was aware that the company deliberately misled me. I was told in mid  XXXX  by a different representative to resubmit my payments for review. I was again told that my payments during my current employment did not qualify. This time the reason was that I had paid  XXXX  short of the amount due. No one would ever pay less than a dollar of the amount owed. They could n't even come up with a decent lie. I am unable to address this because only the five most recent payments I 've made are available on the website. Only the most recent statement is available. I have been paying loans since  XXXX . Luckily, I keep screen shots of all my payments. The representative said that it must be an issue with my previous loan servicer. That is also a lie.  FedLoan Servicing/Pennsylvania Higher Education Assistance Agency ha s been my loan servicer since well before I started working at my current employer. In fact, they approved every  one  of my payments at a previous employer with no trouble. Their efforts to exclude the payments I have made toward my loan balance at my current employer is baffling. In addition, I was advised not to pay more than my income-based total so I would " not seem as though I did n't need it, '' the it meaning the  Public Service Loan Forgiveness program. At no point was I made aware that my overpayments could be put to ward the principal balance. Rather than apply the extra amount paid toward my principal balance,  FedLoan Servicing/Pennsylvania Higher Education Assistance Agency  instead reduced my amount due each month so that  I at one point had a balance due of {$0.00}. The practices of FedLoan   Servicing/Pennsylvania Higher Education Assistance Agency  are predatory and illegal. This has happened because the federal government privatized and outsourced its loan servicing.
Product: Checking or savings account

I called on XX/XX/XXXX in regards some overdraft fees that I had occurred during XX/XX/XXXX. My work slowed down and I was involved an a car accident and got injured. So, I went ahead and called the Chase bank and got a hold of a bank representative and told him my situation. And, he told me that I could resolve this issue with them after the month of XX/XX/XXXX. So, I called on XX/XX/XXXX in regards to my refund fees and they flat-out told me no, without allowing me an explanation and, nor any remedy to my situation. The grand total of all my overdraft fees and insufficient fees are totaled to {$510.00}. That's a huge amount, and this is an insult and injury added to the situation. Now, I might not know all about the laws and regulations. But, this institution should atleast have an oversight on how the customer or notify the customer of insufficient funds. I would love this resolved without any further delays or institutions involvement or the media. 

Thanking you, sincerely XXXX XXXX XXXX Chase Bank customer