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

EXPERIAN CONTINUES TO PUBLISH THE FOLLOWING INFORMATION EVEN AFTER I INFORMED THEM THAT THIS WAS DUE TO IDENTITY THEFT WITH SUPPORTING DOCUMENTATION FROM THE USPS POSTAL INSPECTION SERVICE CRIMINAL INVESTIGATIONS DIVISION AND A SIGNED AFFIDAVIT FROM A USPS EMPLOYEE NOTING THAT SEVERAL HEALTH INSURANCE AND SOCIAL SECURITY CARDS WERE ORDERED NOT BY ME AND SENT TO MY XXXX XXXX XXXXXXXX, XXXX XXXX MI XXXX. THE ACCT # IN QUESTION ON MY EXPERIAN CREDIT REPORT IS : XXXX. I ALSO EXPLAINED TO THAT COMPANY THAT A COURT ORDERED CONSERVATOR NAMED XXXX XXXX, A LAWYER WITH LAW OFFICE OF XXXX XXXX, WAS ASSIGNED TO ME AND FORWARDED ALL MY MAIL AND TOOK OVER ALL FINANCIAL MATTERS AND THAT I NO LONGER HAD ANY CONTROL OF MY FINANCES AND THAT INQUIRES WERE TO BE DIRECTED TO HIM. THIS CONSERVATOR MISMANAGED MY ACCOUNTS AND REFUSED TO PAY ANY OF MY CREDIT CARDS RESULTING IN ALL OF THEM BEING CANCELLED EVEN THOUGH HE HAS BILLED THE COURTS AND MY ACCOUNTS WITH HIS FEES FOR PAYING AND REVIEWING MY CREDIT CARD STATEMENTS. MY CREDIT IS IN A WRECK FROM MISMANAGEMENT AND USED TO BE IN THE 720 - 780 RANGE. SINCE I WAS NO LONGER RESPONSIBLE FOR FINANCIAL ISSUES OR DECISIONS FOLLOWING THE APPOINTMENT OF A CONSERVATOR AND LOSS TOTAL CONTROL OF THE ACCOUNT, I SHOULD NOT BE HELD RESPONSIBLE FOR CHARGES INCURRED OR CHARGED BY HIM AND THIS SHOULD BE REMOVED FROM MY CREDIT REPORT. General Account Info Report Number : XXXX Date Generated : XX/XX/XXXX Account NamesXXXX XXXX XXXX Account NumberXXXX  Account TypeCredit card ResponsibilityIndividual Date OpenedXXXX StatusAccount charged off/Never late. {$5100.00} written off. {$5100.00} past due as of XX/XX/XXXX. 
Status UpdatedXXXX Balance {$5100.00} Balance Updated XX/XX/XXXX Recent Payment Amount $ XXXX  Monthly Payment {$0.00} Credit Limit - Highest Balance {$12000.00} Terms 1 Months On Record UntilXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

my XXXX account which is in collection is over 7 years old. According to the FCRA laws this item has to be deleted.

Also please investigate all other collection accounts and find out if they are over 7 years old
Product: Credit reporting or other personal consumer reports

bought XXXX XXXX XXXX at XXXX XXXX on XXXX XXXX XXXX a hard copy on credit XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  dealer service hard copy on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was financed with XXXX XXXX XXXX hard copy on credit file all items listed within 14 days should show as one inquiry. pg XXXX file XXXX also pg XXXX address XXXX benan ct. apopka fl.never lived there and i can t get my credit score
Product: Student loan

I borrowed money XXXX XXXX XXXX XXXX XXXX in XXXX. Due to a family health crisis, we had this loan in forbearance for about 4 years from XXXX XXXX. Then due to losing our family business, we declared bankruptcy in XXXX and were successfully discharged in XXXX. We were told that student loans can NEVER be erased in bankruptcy. Navient told us nothing about the hardship discharge that we could apply for just that when we ended bankruptcy this loan would still be there. The entire 7 years while we were in bankruptcy the loan that started out at XXXX $ had over XXXX $ in interest added on to it. Since we can only make the minimum payment and interest rate of 7.25 % that is still accruing on the loan, it has ballooned to over XXXX XXXX Since leaving bankruptcy we have not missed a payment and the loan still does go down. I am a public school teacher and have applied for forgiveness and have been turned down. I have tried to refinance and have been turned down. I have applied for income based repayment and been turned down. At this rate we will NEVER pay this loan off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not have a specific date of the call. The customer rep was not able to update address over the phone. They told me to update the address with financial institutions and wait. At this point, XXXX and XXXX reports are both updated with the new address. Only Equifax still has failed to update my address after two and a half months later.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

REGIONS BANK, a financial institution and furnisher of information, along with XXXX, a consumer reporting agency, have willfully failed to comply with federal regulations by misusing my consumer report regarding account number : XXXX. 12 CFR 1016 ( Regulation P ) regulates and protects the privacy of consumer financial information. 12 CFR 1016.16 regulates and protects the Fair Credit Reporting Act 15 U.S. Code 1681 et seq. 12 CFR 1022 ( Regulation V ) Appendix M regulates and specifies obligations of furnishers of information to consumer reporting agencies under the Fair Credit Reporting Act 15 U.S. Code 1681 et seq. 

I, the consumer, have been adversely affected by REGIONS BANK and XXXX being willfully noncompliant with the proceeding federal regulations. 

12 CFR 1016.16 regulates 15 U.S. Code 1681 section 602 which states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' My privacy is being violated by the misuse of my consumer report. 15 U.S. Code 1681b section 604 states In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) in accordance with the written instructions of the consumer to whom it relates. REGIONS BANK and XXXX do not have my consent to furnish said information, and I have never given them written or verbal consent. Any implied consent is revoked. 

12 CFR 1022 Appendix M regulates 15 U.S. Code 1681a ( XXXX ) ( A ) ( I ) which states " Except as provided in paragraph ( XXXX ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; IRS XXXX XXXX, Chapter XXXX regarding canceled debts states that a canceled debt is considered ordinary income, which is taxable. This charge off is taxable income and not to be included on a consumer report. 15 U.S. Code 1681s-2 states 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. REGIONS BANK and XXXX are willfully misusing this information on my consumer report. 

12 CFR 1022 Appendix M regulates 15 U.S.C. 1681n ( a ) ( XXXX ) ( A ) which states Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of : any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. REGIONS BANK and XXXX have been willfully noncompliant by continually misusing my consumer report after I filed a complaint. 

12 CFR 1016.7 states, A consumer may exercise the right to opt out at any time. I am opting out of any and all of your reporting services. 

My intent is to sue if said issues are not resolved.
Product: Debt collection

XX/XX/XXXX at XXXX XXXX Spoke with a rep at IQ Data International and informed rep they have the wrong number. Rep said someone answered and confirmed a call on XX/XX/XXXX I told them that's not true no one has access to my phone and there's no records of a call. The rep then implied I was lying and refused to acknowledge my request to have them stop calling. 

Any time I would ask the rep if they could remove my number the rep said " No '' and  would continue to ask about the original debt owners. The rep thing hung up without removing my number from their call list. 

I received another call from IQ Data International on XX/XX/XXXX at XXXX XXXX.
Product: Credit reporting

I disputed my account showing late pays - the account has been paid off and the late days that were reported were suppose to be removed due to an agreement I made with XXXX in exchange for paying the account off. I also do not agree with the XXXX late pays that are shown on all XXXX of my reports. I have asked for documentation and that has not been provided. the account is paid and closed- I would like the late fees removed as agreed per telephone conversation- I do not agree with any late fees but paid account off as conns said they would be removed
Product: Debt collection

I went to pay my debt through Absolute Resolutions phone number ( XXXX ) on XXXX, 2024. They said I could not pay it through them because they had sent it to XXXX XXXX XXXX. When I called XXXX XXXX XXXX that same day, the law firm said that the account had been closed in XXXX of 2024. Absolute Resolutions violated my rights by making it so that my debt could not be paid.
Product: Credit card or prepaid card

I bought furniture from XXXX XXXX, in XXXX XXXX, Florida. The promotion was for " two years financing, interest free ''. However, that didn't prove to be the case. 

I've been paying off the purchase for several months. In XX/XX/2020 I made my monthly payment, which left a balance of {$980.00}. The next month, in XX/XX/2020, my statement came and showed a higher monthly payment ( which I paid ) and a much higher remaining balance, {$2200.00}. I also called XXXX XXXX to ask why the payment and balance increased. They said it was an accounting error and that it would be fixed in the next billing cycle. 

In XX/XX/2020 the next statement arrived and showed an even higher remaining balance, {$2200.00}. Once again I called XXXX XXXX and once again I was told it was an accounting error but perhaps the finance team did have time to resolve it before the XXXX bill went out. 

In XX/XX/2020 the next statement arrived and showed a still higher balance, {$2300.00}. Once again I called XXXX XXXX and had a long conversation with the customer service agent, but they were not able to explain why the balance continued to increase. I offered to make a payment on the {$980.00} balance from the XXXX statement, plus any interest that may have accumulated since XXXX. The XXXX XXXX customer service agent said that would be a good idea but the finance team would " open a case to further investigate the account ''. XXXX XXXX received that {$980.00} payment on XX/XX/XXXX. 

Earlier today the XX/XX/2020 statement arrived, which credited the {$980.00} payment but still left a balance of {$1300.00}. 

To this day, despite me asking them multiple times, I have never received a text, email, or paper mail from XXXX XXXX, explaining why the account balance jumped from {$980.00} to {$2200.00}. 

I would like the CFPB to investigate this seemingly deceptive credit practice and help mediate a credit situation that XXXX XXXX is apparently unable or unwilling to resolve. 

Thank you!
Product: Credit reporting or other personal consumer reports

New numbers and mailing addresses were added and updated to current. I disputed the numbers and got that fixed. I the disputed the " new '' addresses and send proof that i been living in the " former '' address for over XXXX XXXX and it has not changed. They failed to put back my correct address over and over saying the new address is current. I even advised that i suspect identity theft and that they have incorrect information. They still failed to correct my infornation. Even with my credit file frozen and stating where to contact me for any infomation, new infornation was still added like other addresses withput contacting me for approval. I am not looking for loans nor do i have a bank account or plan to open any account anytimw soon.
Product: Debt collection

called my work phone on XX/XX/XXXX and XX/XX/XXXX from a XXXX Service number XXXX trying to verify information for me to pursue legal action left number of XXXX then proceeded to contact my husband 's cell phone immediately after calling my work phone both days. We have ignored all calls, but its a scam and harassing. Based on what I can find on the internet I have no idea if they have called other family members.
Product: Credit card

I was promised 0 % interest for two years, I had been making payments, usually more than the minimum, had made it more than half way through my original balance when they charged me double my new balance in interest. While checking out wheat was going on with the account I noticed there was interest fees charged the whole time. When I signed up for the card I was promised no interest for two years.
Product: Checking or savings account

I emailed Chime Support asking for the ability to do remote deposits on XXXX They responded by email on the XXXX with freezing my count and telling me I had 3 days to respond with a long list of things to verify my account. 

I followed up with all that and then some as instructed by replying to their email on the XXXX. 

I never heard back if they received it or if i attached everything requested. 

Because they made threats of making a decision within 3 days if I didnt include it, I followed up with another phone call. 

Was told they didnt get items that were attached in that first email. I responded again with the items a 2nd time. 

Spoke to a manager who said that department was a separate department with no way of them contacting them. Was told we would hear back in 24 hrs. 

Received an email shortly after saying there was a new timeline, outside of the 1-3 days of the first email. 

Each time I call in, I verify my name, address, SSN, transactions, my phone number gets verified, I verify my email address as well. 

They should be able to easily to verify me multiple times and ways but they are not following their own timelines when its convenient for them. 

They tell me one thing and timeline but never stick to it and no one makes any effort to communicate, just locks me out of my funds. 

They then hide behind that the investigations team is only able to be reached by email and not by phone, that there was no way of us communicating with anyone from that department to try to further resolve and verify it. 

When we asked to speak to a manager, we would just get rerouted to another customer service agent and not an actual manager with any different authority. 

I asked who their department was that handled CFPB complaints and is set to resolve issues of their is a complaint. Was given more run around. 

Changing time lines, asking for the same documents multiple times, saying no one can be reached to resolve anything, itd a mess and they are stealing my money. 

Just requested they close it out and cut a check to the address on file and they still his behind the investigations team that no one can talk to is the only people and thats when they then quoted the 45 days and ref e. 

So they just site rev e and are compliant when its convenient for them
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a lease wi th Toyota Financial Services.    My car was in the accident and it was a total loss.     I had full coverage with insurance and they supposed to pay for the car in full.   But they had issues with body shop where I took the car, so they did n't pay in full.     I was suing insurance company and I won in court, but the whole litigation process took over a year. Once I got money from insurance company after winning in court, I paid t o Toyota Financial S ervices Since  insurance company did n't pay in full initially, Toyota Financial Services p ut a mark on my credit bureaus profiles that I have a derogatory account. And even after I paid them with the money I got from the insurance company, it still stays on my credit report.     I always pay everything on time and do n't have any missed payments ever, but with this situation with TFS and insurance company now I had a bad account on my credit report which stays there for 7 years and prevents me from buying a house or getting any loans.
Product: Debt collection

I had two credit card accounts ( Walmart {$160.00} and Care credit XXXX ) that were in collections. Walmart was paid off on XX/XX/XXXX and Care Credit was paid off on XX/XX/XXXX. I paid off both accounts and have the letters to prove it. It still shows up derogatory or negative on my credit report. With these accounts still showing negative is preventing me from getting other credit or loans. I just want the accounts to show that they are paid and take the negative status off.
Product: Checking or savings account

I sold an XXXX in XXXX 2021 and I reset the phone and disconnected it from my XXXX and sold it through XXXX. I shipped the phone to Delaware. XXXX weeks later I received a message through XXXX from the buyer that said that the buyer could not get the phone set up because he was able to log into my phone and subsequently get access to all of my accounts and passcodes that were saved in my phone. He then subsequently used my phone to purchase items on my XXXX account. On XX/XX/XXXX after noticing my balance was off on my account I disputing several different items on my last XXXX months billing cycles with Wells Fargo. Over the next XXXX months I spent HOURS going back and forth with Wells Fargo with them ultimately telling me that it was my fault that this happened and I was complicit in this transaction. I took notes and records o every time I spoke to someone and ultimately how many time I talked to people and ultimately they closed the claim, restarted and reopened it XXXX times. I am so frustrated. But they had to close the claim. This was for over {$5000.00}.
Product: Checking or savings account

On the morning of XX/XX/19 I made a deposit of {$1000.00} into my personal checking account at the Wells Fargo Bank drive thru window located at XXXX XXXX XXXX XXXX PA XXXX. Upon returning to work I noticed an unauthorized withdrawal on my checking account in the amount of {$700.00}. I immediately contacted the teller at the bank XXXX XXXX XXXX XXXX She informed me that an error had occurred and the {$700.00} was withdrawn from my account in error. She informed me that it could take up to 10 days to have my money returned to me even though it was an unauthorized withdrawal which is absolutely ludicrous. But that " It shouldn't take that long ''. It's going on a week and I've been getting the run around from the branch teller manager XXXX and no response from the branch manager XXXX XXXX. I also contacted Wells Fargo customer service directly and they did nothing to correct unauthorized transaction and said I had to wait. 

This is stealing and unethical. XXXX XXXX XXXX XXXX XXXX and XXXX instructed me to file a prompt complaint with both the comptroller of the currency as well as the Consumer Financial Protection Bureau. They also said " A week is more than enough time to have returned MY money. 

Sincerely yours, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This account is currently reporting on my consumer reports under your debt collection company. However, this account was resolved with another collection company and closed. This account should be removed immediately off of my reports because it includes inaccurate information. Also, it includes false information stating this was disputed under remarks. However, this account was never disputed between I, XXXX and XXXX XXXX which is further inaccurate information furnished on my reports. XXXX XXXX will be held liable under XXXX Arbitration agreement for further willful noncompliance and negligence under the FDCPA and FCRA if this is not resolved.
Product: Vehicle loan or lease

I'm trying to refinance the new auto loan I had through Ally Financial, Inc. with a new lender. Ally reportedly received my check for the payoff on XX/XX/2018. Payments to Ally by mail take 3-5 business days to process, but on the 6th business day it had not posted, which made my account go 30 days past due, which was immediately reported to the credit bureau. Next, on XX/XX/XXXX Ally informed me that the payoff amount was short because ( due to them delaying it ) I owed {$300.00} more in finance charges than the loan is for, and they wouldn't process the check until I made a payment of {$300.00} to cover that gap. I made that payment electronically the same day, and it is the now XX/XX/XXXX. The payoff has still not posted ; I'm chatting with their customer service as I'm writing this complaint, and Ally is saying they " may '' have rejected the check and mailed it back to me ( I've been waiting for over an hour while they try to find out for sure ). If they really have mailed the check back to me, my new lender would have to cancel their loan and I would have to reapply if I still want to refinance -- but because I now have that 30 day late payment on my credit report ( which would've been avoided had they processed the check during the time frame they said they would ), my credit has likely been so adversely impacted that I can no longer get the same interest rate I was promised before. Even if the check HASN'T been mailed and they DO end up processing it, this late payment will likely hurt my chances of being approved for a home loan now, like I am planning to do soon. It seems as though Ally keeps intentionally delaying the payoff so they can make a last-ditch effort to keep charging me as much interest as they can before I refinance, which I feel may even be illegal.
Product: Money transfer, virtual currency, or money service

Im writing this to formally express my concerns regarding Zelles handling of desputes, particularly in the light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancys, my financial institution and Zelle failed to investigate my claims efficiently. They basically said that once my money was withdrawn it was gone completely and there was no way to get it back.
Product: Mortgage

I have filed for a modification with Fay Servicing. They denied saying my investor only allows one modification-but they will not give me a copy of investors rules. They also said i dont make enough for a repayment which is incorrect. I am 80 days behind and I told them I could pay 2 months on XX/XX/XXXX and 2 months on XX/XX/XXXX. You would think they could work with us and in the meantime on XX/XX/XXXX they took one payment and every month i have paid one payment until I figured this out. I have consistently showed an effort. The only thing they offered is a deed-in-lieu which i am denying because I can get caught up. I appealed the deed in lieu and nothing changed. and my last resort will be bankruptcy.This is a terrible servicer and if I file bankruptcy, they will wait 5 years for the money. This makes no sense. I
Product: Credit card or prepaid card

According to American Express, I enrolled in premium car rental protection online in 2014, which I don't believe I did. In years past charges of {$24.00} were automatically added to my card when I rented a car using their credit card. I had disputed the charges and they said they would cancel this automatic charge of {$24.00} when I rented a car using this card. That has not been the case, I received another {$24.00} charge and was told it was not cancelled until this year on XX/XX/XXXX, which is not true ... it was cancelled years ago.