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

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Mortgage

Our home flooded in XXXX in Louisiana, We have received our Insurance check to finish repairing our home. The Mortgage company had us sign up on XXXX and follow the To do List. It read ( which i have a copy ) to send the Insurance check unendorsed and a copy of the adjusters worksheets, which I did. Then the To Do List changed to we have to have a Licensed contractor. We are over 80 % complete in repairing our home and my husband was a XXXX for 19 years and chose to close his XXXX in 2014 because rising Insurance cost and bad employees. He then in XX/XX/2014 went to work for a XXXX, that XXXX. So this is what he does for a living. They told us that as of last year their company changed their rules and no longer let you self repair your home, which we have never received anything in writing. They also told me that they sent a flood claim instruction booklet to us when the claim started, but we never received it and they can not find in their records where it was ever sent. No one in Upper Management will even call us after requesting to speak to someone and being told on XX/XX/XXXX, that we would receive a call back in 3 business days. Now I need to know what and where to go from here.
Product: Credit reporting, credit repair services, or other personal consumer reports

there is a inaccurate collections account from XXXX XXXX on my credit. 

it is unverifiable and needs to be deleted.
Product: Checking or savings account

On XXXX, around XXXX pm, I withdrew money {$700.00} for my mother ( XXXX XXXX ) at the BofA ATM close by my house. After I entered the pin, the machine returned back the card and it went back to the main menu. I did not hear the machine dispensing or making any noise counting the money, not even the receipt printed. I thought that I might entered wrong key, so I withdraw the same amount, but the account was already debited so the fund was not sufficient. Then I checked the balance, I found out that the money was deducted from the account. I took out my phone and called ( XXXX ) XXXX, but I could not get through the live representative because it was after the hour. I disputed the transaction stating that there was no money dispense. The BofA sent me letter denial my claim, state that there was nothing wrong with the machine. I called the bank numerous times and spoke to different representative and got different answers each time. I requested the XXXX footage to prove if the money was dispensed out from the slot. The bank didnt provide the XXXX but sent me the blurry snap shot showed something on my right hand. I would like CFPB to help out since this is my mothers account and she is on SSI, and I want to prove myself too that all the statement above is the truth.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey so theres like 14 unauthorized and unknown inquiries on my credit. I dont know who is inquiring about things on my credit but I am not doing any of these. I have my car note, my Open carry weapon loan, my 2 credit cards and self. Thats it. So all of the other stuff? Im very confused as to where it came from and I believe its fraud
Product: Debt collection

THIS ACCOUNT IS NOT MINE I HAVE NO CONTRACT WITH PORTFOLIO RECOVERY. I REQUESTED A COPY OF A CONTRACT OR AGREEMENT WITH THERE COMPANY WITH WET SIGNATURES OR INFORMATION DELETED FROM ALL 3 CREDIT BUREAUS. INSTEAD I WAS SENT A SCREEN SHOT OF BILLS WHICH IS NOT A LEGAL DOCUMENT NOR WHAT I REQUESTED. THIS IS NOT MY ACCOUNT WITH PORTFOLIO RECOVERY. SINCE MY ORIGINAL REQUEST WAS NOT ANSWERED & THERE IS NO PROOF OF THIS FRAUD ACCOUNT THIS IS TO BE REMOVED FOREVER! 















BILLS FROM OR REQUESTED THIS FRAUDULENT ACCOUNT REMOVED. I WAS NEVER SENT THE INFORMATION REQUESTED BUT A SCREEN SHOT OF A SCREEN
Product: Mortgage

I made a mortgage payment by phone to Bank of America on XX/XX/XXXX, in the amount of {$1400.00}. The payment was during the grace period, not yet late until after XX/XX/XXXX. 
I received a notice from BofA that " Your check or electronic payment, dated or drafted on XX/XX/XXXX for {$1400.00}, was returned to us by your financial institution because No A/C - Unable to Locate. '' I have 3 Pay From accounts on my BofA account. 2 of them I have used regularly for the past 6 years. The 3rd account was closed 6 years ago - when I tried to get it removed from my BofA Pay From accounts, they said it couldn't be done. 
When I made my payment by phone on XX/XX/XXXX, I was not asked to provide a checking account and routing number. Therefore, my assumption is that BofA programming tried to take the money from my CLOSED account ( I called Customer service, waited more than an hour to speak to someone, and when I reached them they said they couldn't help me, again ). 
Because BofA 's site programming won't allow the removal of a closed checking account ( even though they ask you EVERY time to provide ALL of your personal information to make sure things are 'current ' ), they didn't receive th payment I set up in time to be before the late/deliquent date. 
BofA now has charged me a late pmt fee of {$51.00}. Also, their policy is to assess a {$40.00} return for non-payment fee. ( this has not appeared on my account yet, but the late pmt fee has ).

Again, because this is BofA 's programming problem and I complied with all requirements for a timely payment based on  options defined as acceptable by BofA - I should not be charged any late, delinquent, non-payment, or other fees! If BofA had removed my closed account when I'd asked ( repeatedly ), I don't think this would have happened, because only active and correct accounts would in my Pay From options on my BofA mortgage account. 
Please let me know what other information I can provide to you so you can work with BofA on my behalf to get the total {$91.00} fees removed ASAP from my account. My credit rating is important to me, and I don't want BofA 's problem to cause my rating to be damaged in any way ( nor do I want to pay for fees that are not due to my error ). 
Thank you very much!
Product: Credit reporting or other personal consumer reports

Ive recently received a copy of my credit report and noticed the inaccuracies and unauthorized accounts /information reporting to my credit report. these remarks have been detrimental to my life and credit health
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the Fair Credit Reporting Act XXXX  Account name : XXXX XXXX Date : XXXX XXXX. Account name : XXXX Date : XX/XX/XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have a 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 reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX # XXXX Account Name : XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Money transfer, virtual currency, or money service

I am formally writing 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.
Product: Credit card

1, the consumer and natural person, was denied credit by Goldman Sachs Bank USA when I applied for the Apple Card. Adverse action against a consumer is against the law according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691 ( a ) ( 3 ) and 15 U.S.C 1691 ( c ) and is pursuant to civil liability under 15 U.S.C 1692 ( k ). You are subject to criminal liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by the Goldman Sachs Bank USA due to the response I received. Goldman Sachs Bank USA is in violation of 15 U.S.C 1642, U.S.C 1681 ( m ) and 12 CFR 1002 because I, the consumer, made an application in good faith, but credit was not issued. Furthermore, because my securities were used and I received no benefit. This is proof of fraudulent activity and securities fraud on behalf of Goldman Sachs Bank USA. If Goldman Sachs Bank USA fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card I will indeed make Goldman Sachs Bank USA criminally and civilly liable for all actual damages pursuant to 15 U.S.C 1681 ( n ) and 15 U.S.C 1681 ( o ). I am sending this letter because Goldman Sachs Bank USA accepted my credit application but denied me credit. I will also follow up with an invoice for said violations ( { {$10000.00} } ) per violation
Product: Mortgage

The mortgage payment increased and I could not afford the new payment so I fell behind. 
Then when I tried to workout a new payment the mortgage was sold and I worked with several different companies starting with XXXX XXXX and then XXXX XXXX and SPS. I sent every paper that they requested but they never followed thru with a new mortgage
Product: Credit reporting or other personal consumer reports

This morning, I was horrified to discover inaccurate accounts on my credit report, and I cant figure out why this is happening. I always check my credit report regularly, and this is the first time Ive seen something so wrong. Thinking it might be a technical issue, I refreshed my browser, but the discrepancies were still there. I feel completely lost and need your help to go through the documents I submitted and resolve this once and for all.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the creditor XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy. 1 5 USC 1681 Section 604 A Section 2 : It also states that consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

Started XX/XX/2016 {$290.00} is the amount this company has in collection. 
Ive reach out to the company back in forward and I dont know what else to do. 
Ive explained to them that they have this collection on my credit report and it is against the law. 
They do not want to tell me what was even preformed or why I never received any letter or anything else about how it was acquired. 
The debt is not mine.
Product: Credit card or prepaid card

Every month I make both my credit card and Autoloan payments in person at chase bank locations around XXXX XXXX California. I make these payments by check in person and generally the tellers are knowledgeable about my account balances, minimum payment amounts, and payment due dates. I needed to rely on them because the Chase App would constantly log me out and block me from seeing these balances. It typically is very difficult to log back in and is in my opinion a waste of an hour and a half each attempt ; since it would just happen again a few days later. In XX/XX/XXXX I initiated a balance transfer between XXXX XXXXXXXX XXXX and Chase bank. The purpose was to pay down the Chase Credit card all the way to XXXX. The transfer was completed although unknown to me there was an interest charge which actually kept a balance. 

For the next two months I would go into Chase Banking locations to continue to make check payments on my auto loan. When I asked the tellers each month if I still had a balance on my credit card, they told me no that it was XXXX. In XX/XX/XXXX, I was surprised to find out from a senior teller that I did actually have past due payments required. Obviously I made a scene in the branch and demanded to speak with the Branch Manager. I asked her to please submit a complaint and resolution request to her central offices. she denied my request and stated that I should have been reviewing the payments from my chase app. She said it was my fault for not knowing I needed to make the payments. I told her that I would purposefully visit Chase Bank locations in order to receive updates about my accounts and to make payments in person. If the tellers from XXXX and XXXX would have informed me that a payment was due on my credit card, I would have paid it to XXXX.I even asked her for disclosures, I was denied and that I believe is also a violation of Chase Bank against their Charter. 

I even complimented the teller that informed me about the passed due payment. Without her help my credit would have been effected much more severely by Chase Bank.
Product: Student loan

I graduated during the financial crisis in XX/XX/XXXX. Couldn't find a full time job until XX/XX/XXXX when my monthly salary was less than $ 30k and Sallie Mae asked me to make my first payment of {$1600.00} towards my student loan which at the time was impossible, it still is even though I make a decent salary. Over the years I have worked with the lender to help lower my payments by extending the life of the loan, sometimes having to forebear, etc. I've worked with them as much as I could and currently making monthly payments at around {$1300.00}. No matter how hard I tried to keep up I couldn't. WIth the majority of my income going towards my student loans I fell into credit card debt to survive. I just did an analysis of my Navient Student loan payments and discovered that. 
1. I made $ XXXX in payments since XX/XX/XXXX 2. Only 10 % or $ XXXX of that went towards my principal balance 3. I still have $ XXXX in student loan debt. This means if it takes $ XXXX out of my pocket to pay off $ XXXX in principal balance, then I'll be paying XXXX  XXXX overtime to pay off my loans ... SEND HELP. 

I've attached all my payment history for reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

my rights are being Violated and I keep being told that the account is verified I am not asking for verification Im requesting for DELETION BECAUSE I DID NOT GIVE WRITTEN consent for any of this to be finished on my credit report CREDIT BEAURU XXXX already deleted a couple Im request for the others to follow In accordance with the Fair Credit Reporting act XXXX Accounts # XXXX for XXXX XXXX XXXX, XXXXXXXX XXXX # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, Child support Enforcement # XXXXXXXX XXXX  # US DEPT. OF Ed # ending 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

I got a 1099-C form in the mail from Syncrony Bank . Upon talking to the agents from Syncrony Bank, I have realized that this amount on the 1099-C for {$800.00} is from a Walmart Credit Card that Syncrony use to hold and was sold to XXXX XXXX which now has it. I do recall the sale of this card and the transition went flawless from Syncrony Bank to XXXX XXXX. I also recall the balance transfer at the time of the switch over was the exact amount that was owed when it was with Syncrony. My complaint is that I will have to file this 1099-C as income this tax season and I will have to pay taxes on this with the US Government this year and since my balance was flawlessly transferred from Syncrony to XXXX XXXX XXXX if I was to pay my balance in full with XXXX XXXX ( I still have this Walmart Card active with XXXX XXXX ) I will be paying this total twice! It is not my fault or the fault of consumers that Syncrony settled all of their Walmart accounts with XXXX XXXX for a lump sum payment for XXXX XXXX to take over the Walmart cards and then try to fraud the consumers into paying the Charge offs so that Syncrony could not assume this debt. If you were to buy a house for {$70.00}, ooo and in turn sale said house for {$50.00}, ooo you DO NOT try to go back and get them to pay the other {$20.00}, ooo through a charge off through the tax system. That is FRAUD, and BASICALLY UNETHICAL BUSINESS PRACTICES. This company should not be able to regulate ANY credit Cards in the future and I do have an Amazon Card which is currently in good standing with Syncrony Bank as its provider currently and I am thinking of closing this card as well because of this situation. It is my belief that Syncrony Bank is doing this simply because most of American People are to busy to really dig into this and will just file the added Income on their 2022 tax return and just move along.
Product: Credit reporting, credit repair services, or other personal consumer reports

the XXXX XXXX late payment is wrong. i have not been late. 
ask XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im in the process of buying a house and Ive paid off the collection and XXXX has proceeded with removing the collection from my account. But time is of the essence and I need this collection removed as per the agreement of this letter. I just cant afford to wait 60 days, I need it removed post haste!
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REACHED OUT TO EQUIFAX NUMEROUS TIMES, I AM SO TIRED OF THEM. I AM PREPARED TO LAWYER UP,. BECAUSE OF THEM I WAS HOMELESS. THEY NEED TO REPORT ACCURATE INFORMATION. I NEED FOR THE ADDRESS " XXXX XXXX XXXX XXXX XXXX CA XXXX ' TO BE REMOVED FROM MY REPORTS. IMMEDIATELY. I WILL FILE A COMPLAINT EVERY SINGLE DAY UNTIL THIS IS RESOLVED
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute in regards to the incorrect items on my credit report. It has been well over thirty ( 30 ) days and I haven't received any investigation results.
Product: Credit card

I am getting double charged for the amounts of the purchases I make. On XXXX XXXX I was charged XXXX then the following few days I was charged {$17.00} again. Then I made nother purchase in the amount of XXXX and was charged the following day {$27.00} on my account. This resulted in my account being placed over the limit and me not being able to shop online. This is a terrible system. I called into Nordstrom to let them know. Everyone besides XXXX was non chalant about it and said its our system we cant do nothing about it. Thats not fair to people who want to shop and for use their credit card. Its just not right. It 's greedy, and unethical
Product: Payday loan, title loan, or personal loan

I have a total of {$340.00} to pay back from the app due tomorrow. The website says they have email and chat support. The app says they have email and chat support. On Monday XX/XX/XXXX I emailed their support team and requested to move the payment from XX/XX/XXXX to XXXX and the auto reply I received back instantly explained there will be a delay in the response, please chat with us if you do not receive a reply in 24-48 hours. I followed-up today with a request to the chat group in the app and they are telling me there is nothing they can do when they failed to follow-up to my first TIMELY email request. The supervisor tried to explain that their support email is no longer offered which is why no one followed-up in time. They are being deceiving because the email does not say that, nor does the website and app advise that.
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 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. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't recognize these accounts and inquiries, i have never applied for these creditors.