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

I am extremely concerned about the actions the credit bureaus are having on my life..I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction.. I do not own the accounts ... CFPB step up and remove the following XXXX XXXX XXXX, XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX , XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX, I took a personal loan to help my mother whom required XXXX hour care. Loan amount : XXXX. On XX/XX/XXXX my mother passed. On XX/XX/XXXX, I received unsolicited call from the loan company agents to borrow more money. I replied no. On XX/XX/XXXX, I received an alert stating that XXXX is increasing the balance amount by XXXX. No explanation, no justification. I reached out the same day to Mariner Finance. The person answering replied that they did not do so. Next, I reached to XXXX  to ascertain the root. XXXX states that only the information reported by the lender is admitted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed hard inquiries on my report that were made fraudulently without my knowledge with the Credit Bureaus by phone and mail. I filed a fraud report with the FTC about the situation before calling and disputing these inquiries. I called and was assured that the inquiries will be removed and some were, however somehow one of the inquiries deleted manage to reappear out of thin air. 

I am displeased and frustrated with this matter because I followed the steps of disputing with these bureaus with proof and facts but to no avail. Not to mention that I am a victim of fraud. 

According to the FCRA, the reporting agencies have violated my rights after dispute under section : 15 U.S.C 1681 s-2 ( b ) ( E ) if an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified after any reinvestigation under paragraph ( 1 ), for purposes of reporting to a consumer reporting agency only, as appropriate, based on the results of the reinvestigation promptly ( ii ) delete that item of information ; or ( iii ) permanently block the reporting of that item of information. 

I have attached documentation of my FTC report and dispute letter. 

I feel that my rights under the congress act have been violated and I ask that this matter be looked into respectfully.
Product: Credit card or prepaid card

I had purchased a couch from XXXX XXXX  and had created an account through synchrony bank and weeks later before my payment date I had tried to pay off the card but the first payment was cancelled as shown through their service so I had went ahead and put in a additional payment to insure the card was payed off as I am one with crystallized intelligence and memory is a struggle. The day after I was charged double for the account without any form of notice for a over charge and was only garenteed a check through the mail which seems very shady and there was no amount of further help from the company to insure the funds were safely added back into my account.
Product: Student loan

I requested a refund of payments made during COVID moratorium at the beginning of XXXX. My account at XXXX stated that the money had been refunded on XX/XX/30. I called on XX/XX/30 to be sure, as the money hadn't hit my account. They said it could take 7-10 business days. It is now 12 business days in and the money has not hit my account, however, they are already reporting the debt to the credit reporting companies. Today they said that they send the refund to the department of treasury and that department is behind on issuing refunds. There is no instruction on how to get an ETA from the Dept of Treasury, no actual legal documents that say the Dept of Treasury will be sending that money. So we are supposed to apply for Loan Forgiveness and possibly receive forgiveness BEFORE we get a refund, and then what are the chances we never actually receive that money? at that point we don't have an open account with the loan servicing company anymore. I see a potential nightmare for customers here.
Product: Bank account or service

I came in and open a checking account with Key Bank and XXXX XXXX on XXXX/XXXX/2015 at XXXX XXXX in XXXX XXXX Colorado. I also brought a coupon with me XXXX reservation number XXXX. I was told that all I had to do to get the coupon is to set up a direct deposit from work to this account totaling {$500.00} or more 60 days after the account opening. So I set up my direct deposit of {$250.00} twice a month to go to this account. On XXXX/XXXX/2015 I realized that still have not received a promotional bonus, when I called XXXX to report this problem, she called different departments to find out what happened and they said that there was suppose to be XXXX direct deposit of {$500.00} and it could n't be XXXX direct deposits totaling {$500.00} and that I wo n't receive a bonus. If I would have known that It needs to be XXXX direct deposit I would have simply set it up that way. One of the main reasons why I decided to try Key Bank was the fact that I received that coupon and I told the Banker that and I verified it multiple times to what do I need to do to receive the funds. I accept the fact that may be the banker did n't understand the dollar amount difference of a coupon and she did n't do it on purpose but that lead me to set it up my direct deposit the way I did. I feel like I was cheated and lied to, for no real reason. 
I tried to contact your customer support team but they told me to get in touch with the Branch Manager. It has been several months now and I asked XXXX to bring that up to her managers attention but she seem to ignore my email. 
I tried to contact the Branch Manager myself and she also ignored my email and XXXX voice mails that I left her, not to mention that she has been on vacation for over a month and nobody but her were able to help me. When finally she responded to another email that I sent her, she simply told me that it was my fault and there is nothing that she is going to do. I asked her to look through the transaction history on the account and see that my direct deposit will come in and I will take most of the money out or transfer it to my primary bank. You can clearly see that I did what I was explained to do. But she said that her employee would have not done that. I understand that she suppose to protect the bank assets and back up her employee, but that went a little too far. She clearly did not do any research and probably never even looked at my account to see what I was referring to. In this case it was not just the banker that misled me to this situation but also the customer support was not willing to even look into that issue, neither did a branch manager, just leaving me with a lot of wasted time and money and feeling that I did something wrong when I did everything exactly as it was explained to me. I did n't receive a proper disclosure about the account or the coupon terms that led to this situation.
Product: Checking or savings account

I deposited {$650.00} on XX/XX/2020, XXXX, at Bank of America, XXXX XXXX, CA. location. The ATM number is XXXX. But the ATM got problem, took all my money in and only printed a receipt of deposit of {$300.00}. On the receipt shows they created an issue record that will be attached to my transaction. And call them to claim, number is XXXX. I went into the bank, they tell me to call the number. I called them on XXXX, they refund me a credit of {$300.00}. I got this {$300.00} on XX/XX/2020. I called them again says they still short me {$50.00}. They said they will make record and come back to me. But I never got respond. I wish they can refund me the {$50.00}. Every deposited I made on this account is {$650.00}. they can see the history.
Product: Credit reporting or other personal consumer reports

I'm complaining about the credit platforms experian, Equifax and TransUnion for shaming me and my information also being breached most inquiries shouldn't be on my credit reports because they were not done by me or with my consent they have been faulty in dispute intake procedures and have failed to provide me with documentation all three companies has failed to do so
Product: Debt collection

I did not sign any lease agreement with them yet. They are sending me letters. Someone reach out to me provided them my current location and I told them I have not signed any extension although I did not stay in the apartment. I still paid for one year after which I did not sign any extension, but now they are keep sending me and trying to collect that which I dont own them.
Product: Student loan

Had Great Lakes as my initial loan servicer. Loans were transferred to Nelnet this XXXX. Last year in XXXX I had filed to have my loans returned to standard payment plan and out of IBR due to lower estimated monthly payments after I had made a substantial payment during forbearance. Was assured during 2 phone calls that my loans would reflect the requested change to standard payment plan once COVID forbearance ended. Loans were then transferred to nelnet and my first statement shows I'm still under IBR on all but 1 loan even though I've not recertified my current income in nearly 5 years. Reapplied to have my loans returned to standard payment plan again on XX/XX/XXXX. This still has not been processed on my account. Spent 3 hours on the phone with Nelnet on XX/XX/XXXX with first rep answering after 2 hours and 20 minutes. First rep told me my account number was invalid and I was transferred to another department. Second rep answered after 10-15 more minutes and he told me I was in the wrong place and that the first rep was " not supposed to cold transfer '' and should have stayed on the line to explain the situation to him. Luckily this rep did explain what he could but basically said everything is pending and I'll have to wait a few more days. I had made the initial payment, that is substantially higher than what the standard payment is to be, because I was unsure of how long the processing would take and I didnt want to have my first payment be late. Now, even AFTER making that payment my account is reflecting a balance due without telling me which loan has the balance still due. The service rep is now telling me that 1 of my loans has a different due date than the other 5 which means I will have to pay on my loans two separate times each month. He recommended that I wait to request a single due date as not to confuse their system with multiple requests for changes to my account.
Product: Credit card or prepaid card

I bank with a serve debit card. And Im usually late on seeing my transactions. And I thought something was a little weird when I added money to card but it seem to be slowly but surely disappearing. Moving so fast and dealing with other issues I just continued to add money and continue on.until I see my transaction history. Ive noticed charged from an atm withdrawal and unfamiliar address and Im starting to see exactly that my money has been stolen in another state I do not reside in nor never been. Within two days my card was missing XXXX in atm charges XX/XX/2022 XX/XX/2022 and XX/XX/2022 I believe all with an weird address XXXX XXXXXXXX XXXX also one from an XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA. Also the card is my sub account I usally only use online because my husband declined the offer of banking with serve due to problems Ive had with them over the years but the main account is mine in general. Can anyone help me get my funds back
Product: Payday loan, title loan, or personal loan

We got a loan from Advance financial for {$3500.00}, we have been paying up to {$800.00} a month for months now and we checked our balance and it is at over {$4000.00}. How is this legal????
Product: Consumer Loan

I financed an auto loan through my local XXXX dealer. I had automatic payments taken from my checking account each month ; the checks were taken by " JP Morgan Chase '' for the auto loan. XX/XX/2017 I received a letter from XXXX XXXX XXXX stating that I should make the final payment on the loan by check. I did send a check to XXXX XXXX XXXX for that final payment in the amount of {$540.00}. However, 5 days after that final payment cleared my checking account, JP Morgan Chase withdrew {$540.00} from my checking account. Therefore I overpaid my auto loan by {$540.00}. On XX/XX/2017 I called Chase Auto Finance to ask them to refund my {$540.00} overpayment. I was told to submit documentation in support of my overpayment claim, which I did on that same day-XX/XX/2017. I have enclosed the XXXX page document " package '' I send to Chase. Since I sent in the documentation I contacted Chase several times and been repeatedly " jerked around ''. Chase 's comments have been that they are " researching my claim ''. In the meantime I contacted my bank to put a stop payment of the Chase automatic withdrawals. That stop payment will cost me {$33.00}. Therefore I would appreciate your checking into this matter for me. Me phone number, e-mail, etc. are included on the enclosed document package. I just want my {$540.00} overpayment refunded to me. 

Thank you, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B mandates the removal of any erroneous accounts from my credit report. Could you verify the documents? Several accounts listed have inaccurate reporting, amounts, and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX SecurityCred XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 fumish a account without my written instructions
Product: Mortgage

Got until Tuesday to get out but I Need more time like 30 days and I also would try to keep the house
Product: Checking or savings account

XX/XX/21 XX/XX/21 money has been stolen from my cash app card, cash app support has sent me one or two responses and then stopped, I need my money back ASAP, I worked hard for that and now my account is left on XXXX for the second time not by my doing, one purchase for {$76.00} one for {$15.00}
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX Dear Porfolio Recovery Associates , LLC, I acknowledge receipt of your response to my debt verification request dated [ Date ]. However, the documents you provided consisted merely of account statements without any proof of debt ownership or identification of the original creditor and subsequent assignees. As mandated by 15 USC 1692g ( a ), the CFPB has recently heightened the requirements for a debt collectors validation response, which must now include : The name and mailing address of the debt collector ; The name of the creditor to whom the debt is owed ; The account number ( if any ) associated with the debt ; An itemized breakdown of the current debt amount, including interest, fees, payments, and credits from a specific date that can be cross-referenced with records ; The current debt amount as of the date the validation notice is provided.

Your response dated [ Date of Response ] did not include any of the aforementioned details.

In accordance with the FDCPA, please provide the following : 1. The name and address of the original and current creditor ; 2. Verification of the debt amount you are attempting to collect ; 3. Documentation of any assignment from the original creditor, including my name and the original account number ; 4. All relevant information on the securitization of the debt and proof of its reassignment to Portfolio Recovery Associates , LLC. 
Federal law, specifically XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and 15 USC 1692g ( b ), requires you to cease all collection activities ( including any contact with credit reporting agencies ) until you have properly validated and verified the debt amount. 
Please refrain from accessing my credit report or reporting this disputed debt. Any mention of this disputed debt should be clearly noted as such on my credit report. 
I appreciate your prompt cooperation in this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

checking updated credit report and the information is false. I kindly asked for it to be removed due to false information and mailed letters and other proof. but no changes. I attached letters as well on here.
Product: Credit card or prepaid card

The company applies interest daily immediately upon a purchase being made, and this is not clearly disclosed. Most traditional credit cards charge interest only on the balance left after a payment is due. Thus, to avoid any interest being applied, you must pay off each purchase as soon as the purchase is made. 

This was not clearly communicated to me, or I would not have chosen this card. This should be very clearly communicated before the card is used. 

The online statements do not include a description of how much daily interest has accrued and obscures these financing charges.
Product: Credit reporting or other personal consumer reports

FIRST NAME : XXXX LAST NAME : XXXX ADDRESS : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX DOB : XX/XX/year> SSN : XXXX DRIVER LICENSE NUMBER : XXXX PHONE NUMBER : ( XXXX ) XXXX EMAIL ADDRESS : XXXX I hope this letter finds you well. I am reaching out to request that my personal information be added to your records. My details are provided above for your convenience. 

Thank you for your assistance in this matter. I look forward to your confirmation. 

Best regards, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles approach to handling disputes, particularly in light of the recent CFPB lawsuit that underscores significant issues with the platform. Despite my frequent use of Zelle and multiple reports of discrepancies, neither my financial institution nor Zelle conducted a thorough investigation of my claims. I was informed that recovering lost funds was not possible and that tracking these transactions was unfeasible. The CFPBs findings reveal that Zelle has failed to adequately protect consumers and has allowed repeat offenders to exploit the platform, leaving users vulnerable to scams. This lack of accountability and transparency is deeply concerning and raises serious questions about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

There were several accounts that i disputed on my credit report. They were either not my accounts, or were reporting incorrectly. I sent the dispute in to XXXX and Transunion. I asked to give me the information received from the companies that were contacted to verify that these were my accounts. I received nothing back from the credit bureaus but the accounts were verified to be mine. I then sent another method of verification letter to XXXX and Transunion. The same results, verified but they did not tell me how and by who it was verified. On XXXX the accounts were, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX which shows twice but are the same account and XXXX XXXX XXXX. On Transunion the accounts are XXXX XXXX XXXX XXXX XXXX accounts. Also on both bureaus there are inquiries that are not mine and should be removed. Every time i sent a dispute about inquiries they tell me to contact the company directly. I contact the company they tell me to contact the credit bureaus. Also Transunion has my name spelled incorrectly on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  XXXX  Account # 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 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Issue : Citi Bank Used a " hard Inquiry that was reported '' to my credit report. 

The phone interest form specified " clicking continue will not impact my credit score '' however it still pulled a hard credit inquiry to define my eligibility for the personal loan promotion. 

Hi, XXXX. Thank you for your interest in a Citi XXXX XXXX. At this time, we're unable to approve your application ( Reference # XXXX ). You'll receive another communication within 10 days with more explanation about the reason ( s ) for our decision. 


XXXX Bank notified me of the hard inquiry used per below credit monitoring alert : New Inquiry CITIBANK, NA An inquiry is a record of someone checking your credit information. This usually happens when you apply for a new line of credit.
Product: Student loan

Mohela is currently stating that XX/XX/2023 is not a month that counts as a payment month for Public Student Loan Forgiveness because that was a month without a bill. How can they not count it IF NO BILL WAS PROVIDED? Per the repayment restart information, payments were to resume in XXXX. After counting months that were in forbearance due to the pandemic, how can they not count a month when there was no bill provided to pay??
Product: Credit reporting, credit repair services, or other personal consumer reports

My ex wife opened a credit card on line with my name and used the max credit XXXX did not tell me until we got divorced. XXXX she used my checks to pay the credit bill so bank is telling me its my problem I need to have e removed it is causing a lot of problem for me. Its still with XXXX bank not a collection agency. XXXX account was over XXXX years old. Should be deleted. Hope u can help Resolving this major problem I m having. Tyx in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed : {$5200.00} ; XXXX XXXX XXXX Balance Owed : {$14000.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$16000.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.