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

I submitted letters to all three credit bureaus, Transunion, XXXX, and XXXX, on XX/XX/2020 requesting information be provided to me authenticating 3 collection accounts listed on my credit report, including contracts or service agreements that I signed, in accordance with section 609 of the fair credit reporting act. None of the 3 bureaus provided me any information, merely stating that they validated the authenticity of the reports. I would like to see the signed contracts as I believe these accounts to have been made fraudulently. I opened a new dispute through XXXX XXXX on XX/XX/2020 with transunion with the claim of fraudulent accounts on the reports and again got no resolution, they merely closed the dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because TransUnion had a computer glitch that caused my inquiry to be deleted and then they later re-added the inquires without providing me with the legally required written notice five business days of the reinsertion ( FCRA Section 611 5 ( b ). I contacted TransUnion on XX/XX/XXXX @ XXXX XXXX EST and spoke with XXXX XXXX XXXX a customer service representative who were unable to confirm that the Security Breach happened not once but twice in XX/XX/XXXX and XX/XX/XXXX. In good faith, I asked her to have the inquiry removed due to it being illegally re-added. However, she refused to fix their error on my credit report. I then asked to speak with someone in the Special Handling department and and I spoke with XXXX XXXX XXXX a supervisor around XXXX XXXX  EST and she said she wasn't aware of a computer glitch and could not help me, So I said thank you and hung up the phone. I then called back around XXXX XXXX EST and spoke with XXXX XXXX XXXX  a customer service representative who did confirmed that TransUnion had computer glitches in XX/XX/XXXX and XX/XX/XXXX. In good faith, I asked her to have the inquiry removed due to it being illegally re-added. However, she refused to fix their error on my credit report. I then asked to speak with someone in the Special Handling department and I spoke with XXXX XXXX XXXX a supervisor around XXXX XXXX EST and she also confirmed that there was computer glitches in XX/XX/XXXXand XX/XX/XXXX and In good faith, I asked her to have the inquiry removed due to it being illegally re-added. However, she refused to fix their error on my credit report, So I said thank you and hung up the phone. These inquiries adds a hardship to me and my family and my rights were violated by TransUnion. This is suppose to be a respectable Credit Reporting Agency yet they are violating consumer rights and victimizing us. This company should not be able to get away with this. I'm asking that CFPB help me make TransUnion stop victimizing me. I'm asking as a resolution that all of my TransUnion inquiries be deleted permanently from my report as a violation took place when they were illegally added. PLEASE!!! Thank You.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. Bankruptcy XXXX XXXX reference XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year> my bank sent an alert that my XXXX XXXX had dropped by XXXX plus points. I logged in to XXXXXXXX XXXX XXXX and my student loan from MOHELA was listed twice. I did a dispute with XXXX. I have also tried to contact MOHELA today, XX/XX/year> with no results.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS 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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these account 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 Balance : {$2300.00} XXXX  XXXX XXXX Balance : {$2600.00}
Product: Credit card or prepaid card

Bank of America actually helped me a bit at first and I was able to pay them some. 
Trying to pay them again but it is going to be impossible since the Social Security administration will not make a payment to me this month or for three months for that matter. 

It apparently takes 3 months to change account information with Social Security Was trying to contact them via a message or chat but that is not available apparently for low life people like me. 

In short i was trying to inform them that m, y, social security checks are being delayed due to yet more government bureaucracy and the inability to process informatioin provided in a timely manner. 

As it is they will likely go nuts and refuse to wait. 

I will pay but I can't pay what they want right this second. 

There are problems caused by the COVID-19 pandemic and those trying to profit off is that are kiling my income adn social security administration is slowing things down to the point that I'm not sure I will be able to get food
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles dispute resolution process, particularly in light of the recent CFPB lawsuit that has brought significant issues with the platform to light.

As a frequent user of Zelle, I have experienced discrepancies in transactions and reported them to both my financial institution and Zelle. However, my concerns were met with inadequate investigation and the conclusion that recovering lost funds was impossible. I was also informed that tracking these transactions was unfeasible, which I find troubling given the platforms widespread use.

The CFPBs findings suggest that Zelle has not only failed to adequately protect consumers but has also allowed repeat offenders to exploit the system. This lack of accountability has left users vulnerable to scams, fostering an environment where bad actors face little consequence.

This situation raises serious concerns about consumer safety, transparency, and the integrity of Zelles operations. It is unacceptable that a platform designed for financial transactions does not prioritize safeguarding its users.

I urge Zelle and its partnering financial institutions to address these systemic issues, implement robust fraud prevention measures, and ensure accountability in handling disputes. Consumers deserve a platform that prioritizes their protection and trust.

I look forward to your response and to seeing meaningful action taken to address these concerns.
Product: Mortgage

Fay Servicing blocked me from making online payments through their customer portal. I called XX/XX/XXXX to make the required mortgage payment. 
On XX/XX/XXXX I attempted to make my next mortgage payment, but was blocked from doing so once again. I called and was told that they had made a mistake and when calculating my mortgage payment for XXXX and I still owed them {$53.00}. I paid that and the full mortgage payment due XX/XX/XXXX. 
On XX/XX/XXXX I checked the portal to find out that this mortgage payment was still not applied to my loan. I called once again and was told it was their mistake and it would be applied to my loan. Today when I checked some of this payment had been applied, however {$280.00} remained as " unapplied balance '' and they declared the full mortgage payment I made on XX/XX/XXXX ( that came out of my bank account XX/XX/XXXX ) an overdue payment ( " 6 days late '' ).
Product: Credit reporting or other personal consumer reports

None Working no trying to resolve the issues quickly as possible.
Product: Student loan

XXXX Navient Predatory Loan will not work with us my son has been cut to 15 hours a weekemployment and a fulltime XXXX, I am XXXX. They have lied, mis-represented us while we are struggling to make payments, not to mention that when they were XXXX, we thought we were getting a XXXX. Navient, formerly part of XXXX, Navient has created repayment obstacles for us by providing misleading information, deceptive practices, and failing to act when we need help most. We need financial relief for the Navient Predatory lenders. They also intimated if we fall behind ( which will hurt our- xcellent credit ) they will be more apt to help us. ( What a scam=they make more in the default loan market ) Is n't this Illegal to say this? We spoke with many different people to no avail. We ne need a principle balance reduction or a fixed rate. Most notably i sent a letter to the Ceo XXXX, only to receive a response by XXXX XXXX XXXX x XXXX, again offered nothing! Please Help XXXX XXXX you can Publish, without my name & # thank u
Product: Debt collection

I keep getting calls from this company, and I made a prior payment, and now I can't make any more payments at this time due to the fact that I'm on medical leave, and I have no income coming in for the foreseeable future, and I don't have the money to make any payments, and I'd like them to stop calling and harassing me ; if I could make the payments in a timely manner, I would, but I'm not able.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my XXXX credit report and noticed there was XXXX hard inquiries. I did contact XXXX and they advised me to reach out to the creditors for a letter of deletions. None of the inquiries did I authorize. I called several of the creditors and they explained that they get most of the information and authorization off line and my name, social security number and date of birth were used. So they did not grant any deletion letters. I wrote a few creditors and have yet to receive a response. I again contacted XXXX to open and do a through investigation because I believe some of my personal information was compromised. They are still refusing to do so and these XXXX inquiries have really impacted my score. After speaking with 3 supervisors XXXX XXXX, XXXX. and XXXX my concerns have yet to be addressed. I feel as a consumer I should not have to go through all these loopholes when there has been so many breaches and so much compromising of personal information. I have add since added a fraud alert to my accounts and I also so monitoring of my accounts. XXXX need to come up with a consumer sufficient process when people have concerns about their report. I am truly dissatisfied with the lack of empathy that XXXX offer to their consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I sent out a dispute letter to Experian to validity and accuracy of your recent investigation of these bankruptcies that is reporting on my credit report. I ask them to explain how they conducted their investigation. I request the name of courthouse, the clerk name that you verified the dispute with, the address, the telephone number and documentation used to verify the dispute. I also request a notarized affidavit confirming the information that is provide is true and correct as per my civil rights granted under several federal laws. On XX/XX/2018 I sent the courts a letter on there procedure for verifying information with the credit bureaus. I called Experian XX/XX/2018 asking them to how they validate these accounts. They stated the courts validated the account but can not send me proof of validation but told me to ask the courts for validation.
Product: Credit card or prepaid card

I have a Citi card ( Costco ) which I use for all purchase. Recently I bought an air ticket to visit my mother who was sick and admitted to hospital. Later her condition deteriorated and then I had to change my return ticket for the first time. After that her condition again improved and was discharged from the hospital. After coming back home, after a day she passed away at home. So I again changed my ticket for the second time. 

In the CITI card protection benefit document, the following are mentioned as the reason which is covered. 

" The Covered Travelers Family Member, not traveling on the Trip, has an injury or illness that is either life threatening or requires care from the Covered Traveler ( s ) and is verified by a licensed medical practitioner. '' " The Covered Travelers Family Member, not traveling on the Trip, dies '' However they denied this claim saying this is " Pre-existing conditions ''. 

I called them and they gave the same reason. This is a straight forward claim and I am definitely not happy with this. 

MY CLAIM NUMBER with CITI - XXXX Also attached is CITI benefit documenXXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . Report and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX XXXX XXXX XXXX, XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, IA XXXX XXXX XXXX XXXX, XXXX, MI XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, NY XXXX Below is the requested documentation for my personal identification
Product: Credit card or prepaid card

I tried to close my account with XXXX XXXX. I thought it was closed. Now they sent me another credit card. It takes 7 hours to contact anyone there. I am busy at work. Please help.
Product: Student loan

I made a payment agreement with XXXX which are the debt collectors for Navient Student Loan. I made a settlement amount of {$4200.00} to completely pay off my student loan that they currently hold from XXXX XXXX. This agreement was made in XXXX XXXX. XXXX XXXX would deduct eleven payments of {$150.00} starting from XXXX XXXX from my banking account and then XXXX final payment of {$2500.00} on XXXX XXXX. I made all of the eleven payments for {$150.00}. I then spoke to XXXX about the final payment stating that I could n't make it in XXXX but instead in XXXX XXXX. XXXX called navient to make sure that this would be okay by getting me an extension till XXXX XXXX to satisfy the settlement. Navient agreed to this and gave the extension. I made the final payment on XXXX XXXX, XXXX for {$2500.00}. I then called Navient three or four day 's letter. They instructed me that my payment has been received from XXXX XXXX and my agreement has been fulfilled. I then asked when could I receive my settlement letter and when would this be reported to the three credit bureau agency 's XXXX. Navient stated that I would have to wait 30 days so the payment is verified. I said okay. I called back 30 days later and a representative from Navient stated that their policy has changed a week ago and that I have to wait 45 days. I argued with them and they said that there is nothing I could do except to provide proof that the funds have cleared. I stated no when they have had the funds for over 30 days now. I asked to speak to a supervisor they said okay and then I was hung up on. This happened all three times that I called back. I called back 17 days later asking for my settlement letter. I was told that my account was delinquent and that not all funds have been paid. I called XXXX as they stated that that was incorrect and that all information was sent over including the funds to Navient on XXXX XXXX, XXXX stating that my account was paid in full for the settlement amount. I called back Navient and they stated that they would open an investigation and to call back after 3-5 business days. They also stated that if this matter has been clarified and my account settled that it would not be reported to the credit agency agencies for 60-90 days. The supervisor informed that this is Navients policy
Product: Credit card or prepaid card

I have a loan with AMEX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, and AMEX with no successful resolution. XXXX, XXXX, and XXXX reporting me late. There was definitely an error on their part. I was never 30 days late ( XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019 ), also I was never 60 days late ( XX/XX/2019, XX/XX/2019 ), lastly I was never 90 days late ( XX/XX/2019 )
Product: Checking or savings account

On XX/XX/XXXX. XXXX  my Robinhood account was compromised and a transaction sent using my Individual Cash Account was sent via the crypto currency XXXX. The total amount was {$270.00}, and when I tried contacting Robinhood, they told me there was no way to stop the payment once it was processing. I believe this was unfair and unethical to be cheated out of my hard earned money in such a way.
Product: Credit card

My Discover card was missing/stolen and someone at the end of XXXX and early XXXX charged multiple scratch off lottery tickets at XXXX, pizzas at XXXX XXXX XXXX XXXX gas station and a liquor store. I do shop some at XXXX but never lottery tickets, I have not been to XXXX in years, rarely go to the XXXX and never to the liquor store. The person charging went to XXXX sometimes XXXX times a day and purchased {$50.00} of tickets. I received a fraud alert on XX/XX/XXXX after two  weeks of their using my card to charge {$1200.00} after one of those multiple XXXX charges.I called and went over the charges but could not remember the last time I had used my card, but knew that I had not been going repeatedly buying lottery tickets or been to the pizza place at all. They removed the charges and investigated and then said there was no fraud because I had gone to these places before OR that I gave my card to someone because they felt the person knew my code or something but I have no idea what code. After that I asked for another look and sent them documentation including showing I was a work for long hours for them to check against when the card was used and some when I was out of the state during some charges. They said no dispute and put the charges back on my card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Transunion of XX/XX/XXXX I spoke to the customer service represented about removing negative inquiries on my credit report. 

Listed below are the inquiries that spoke to the Customer service about. 

XXXX XXXX - DATE : XX/XX/XXXX XXXX XXXX - DATE : XX/XX/XXXX XXXX- DATE : XX/XX/XXXX XXXX DATE : XX/XX/XXXX XXXX  - DATE : XX/XX/XXXX XXXX XXXX - DATE : XX/XX/XXXX XXXX - DATE : XX/XX/XXXX XXXX  - DATE : XX/XX/XXXX XXXX XXXXXXXX - DATE : XX/XX/XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Good afternoon I used to have a joint account auto loan with Ally Financial which I paid on time since XX/XX/XXXX always on time. Unfortunately, the car was totaled on XX/XX/XXXX due to weather and Ally Financial told me through the phone that they would get in contact with the GAP Insurance ( XXXX ) to charge them any difference. Effectively they did but it was not resolved on time showing in my account two late payments XX/XX/XXXX and XX/XX/XXXX, before the account got fully paid by the GAP Insurance and later closed. I have asked them to remove those two showing late payments but they told me that I need to talk to the bureaus and the bureaus keeps telling me that I need to talk to Ally Financial. They had me back and forward until I decided to reach the CFPB to help me solve this situation. Thank you in advance!
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX never gave EQUIFAX, any written consent to report anything on my consumer report. I sent a dispute letter to the agency over 2 months ago regarding account XXXX and they have failed to verify this account. The collection agency that is claiming that I owe an alleged debt to their agency is reporting a different balance from what I had with the original creditor XXXX. XXXX has since removed this account. I have attached my last statement from XXXX to show the discrepancy. I will also attach the dispute letter sent on XX/XX/year> which is dated, and time stamped. I am requesting that the following unverified account is removed from my credit report within 10 days : XXXX XXXX  XXXX