23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have an XXXX XXXX which is issued by Synchrony Bank. I have consistent problems with my payments taking weeks to post to my card account. Most months, I pay the monthly statement balance in full. The actual payment is deducted from my personal checking account within several business days of making a card payment. However, it can take several weeks for this to be reflected on my XXXX card balance. My most recent payment posted on my card account on XX/XX/2022, but it is still not reflected in my spending limit/activity. My very first statement/payment after using the card took several weeks to process. When I called customer service, they said that larger payments took longer to process because it was an 'abnormal payment '. I made several follow up phone calls since I was promised that the payment would be reflected in my 'available to spend ' balance, and there was no change. I do not understand why it is taking weeks for my payments to be reflected in my balance/spending availability ; it is negatively impacting my credit utilization. I do not have this issue with any other credit accounts. Whenever I call customer service, I receive a different explanation as to why the payments take so long to post. On the XXXX XXXX website, it does say that payments sent via mail can take up to 10 days to process ; however, I ALWAYS pay my bill online.
Product: Credit reporting or other personal consumer reports

These addresses should be blocked and removed from my credit profile. Please delete it. 

XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX TRANSUNION=============== # XXXX XXXX XXXX XXXX XXXX, PA XXXX # XXXX XXXX XXXX XXXX, PA XXXX
Product: Student loan

I XXXX XXXX have attempted to resolve my defaulted student loans, however, Immediate credit recovery is refusing to process my XXXX paperwork based on me being unable to supply my wife 's income information. I spoke to them in regards to this matter onXX/XX/XXXX( previously as well, sent Rehab docs back inXX/XX/XXXX but never heard back and confirmed onXX/XX/XXXX they were calling an old number ; the paperwork emailed to them had all my correct information on it though ). They are currently garnishing my wages, I have provided them my financial disclosure and 2 pay stubs, for myself, as they have asked. ICR is still seeking to obtain my wife 's income but we file separately on our taxes ( have been and will continue to do ) and she refuses to furnish any income docs as we keep bills/income separate due to her not wanting to be a part of my personal debts acquired prior to our marriage ). I do not have access to her paystubs as she can only access those via online with her secured log ins ; which she is refusing to furnish. My understanding of all the department of eds programs are that because we file separate and she is unwilling to provide me the information, I will be treated as separate. Please review this matter and assist me with the Rehab as I can not afford the garnishment and would like to rectify that by entering into a Rehabilitation with the collection agency. <P/>Originally I had attempted to consolidate out of default inXX/XX/XXXX, that was denied once ICR placed a garnishment 3 weeks after the application was submitted. the garnishment originally should not have taken place as the loans were being paid via consolidation prior to a garnishment ( my feeling is that the XXXX was denied and the garnishment was placed once ICR received notice of the intent to consolidate ; which is unethical and illegal practice ). <P/>Please help me resolve these matters as this is causing undo stress and hardship on myself and children.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX have 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

On XXXX a company by the name of COAF ran my credit without my consent.
Product: Debt collection

I received notification that a new collection account had been added to both my XXXX and XXXX credit reports. 

The account is for a XXXX XXXX ( Utilities ) account in XXXX  a place I have never lived or visited. I don't believe this account is mine. 

I have never received a bill for this account or a notification of a past due account. 

I attempted to dispute these collections with both credit bureaus and was told the accounts were " verified by the debt collector ''. 

All attempts to reach the debt collector or original account holder have not received any response.
Product: Credit reporting or other personal consumer reports

I am reaching out as a follow-up to my previous complaint dated XX/XX/XXXX. According to FCRA Section 605B, Credit Reporting Agencies are mandated to remove any items reported under an identity theft case, as per reference number XXXX. Enclosed, you will find the necessary documents to facilitate the removal of the erroneous personal information and unauthorized inquiries that have been incorrectly added to my credit report. The unauthorized items are listed below : XXXX : XXXX XXXX XXXX XXXXXXXX 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 -TRANSUNION 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 XXXXXX/XX/XXXX. As specified in FCRA Section 605B ( a ), Credit Reporting Agencies are required to delete any information from a consumer 's file identified as resulting from identity theft within four business days of receiving the request.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft MARINR FINC Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

I am writing to report a violation of my consumer rights regarding a collection account reported on my credit report by XXXX XXXX XXXX XXXX XXXX. I have requested validation of the debt, as required by the Fair Debt Collection Practices Act ( FDCPA ), but I have not received any documentation or response from either XXXX XXXX XXXX XXXX XXXX or the credit reporting agency. 

Here are the details of the issue : Debt Collection on Credit Report : A collection account from XXXX XXXX XXXX XXXX XXXX is listed on my credit report. This account is inaccurate or incomplete, and I have reasons to believe it may not be valid. 

Request for Debt Validation : On XX/XX/year>, I sent a formal request to XXXX XXXX XXXX XXXX XXXX for validation of the debt under Section 809 of the Fair Debt Collection Practices Act ( FDCPA ). This request required them to provide detailed documentation of the debt, including the original creditor, the amount owed, and proof that they have the legal right to collect the debt. 

Failure to Respond to Debt Validation Request : Despite the legal requirement for XXXX XXXX XXXX XXXX XXXX to provide validation of the debt within 30 days, I have not received any response. This failure to validate the debt violates my rights as a consumer. 

Violation of Credit Reporting Requirements : Additionally, I have contacted the credit bureau that is reporting this collection account. The credit bureau is also in violation of my rights because, under the Fair Credit Reporting Act ( FCRA ), they are obligated to ensure the accuracy and completeness of the information they report. Since XXXX XXXX XXXX XXXX XXXX has not validated the debt, the credit bureau is continuing to report this account without confirming its validity, which is a violation of my rights under the FCRA. 

As a result of these actions, I am requesting that the CFPB investigate the failure of both XXXX XXXX XXXX XXXX XXXX and the credit reporting agency to comply with consumer protection laws, including the FDCPA and FCRA. I am seeking the following actions : Immediate removal of the invalid collection account from my credit report. 
A written explanation from XXXX XXXX XXXX XXXX XXXX regarding their failure to validate the debt. 
A correction or update to my credit report to reflect the accurate information. 
I appreciate your prompt attention to this matter and look forward to your assistance in resolving these violations of my consumer rights. 

Thank you for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending this CFPB complaint to notify you that the 3 credit bureaus have engaged in unfair practices by providing inaccurate and misleading information. For that, I am filing a case against the 3 credit bureaus for vioalations of the Fair Credit Reporting Act or FCRA Section 605b. My accounts privacy has caused several emotional distress when I found those accounts that are still reported on my account. Kindly help me investighate this issue and these following accounts should be corrected immediately : XXXX XXXX XXXXXXXX Balance Owed : {$710.00} ; XXXX XXXX Balance Owed : {$370.00} ; XXXX XXXX XXXX Owed : {$320.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$3000.00} ; DEPT OF EDUCATIONXXXX XXXX Balance : {$7900.00} XXXX
Product: Mortgage

I have a complaint with PHH mortgage. I had a modification approved months after a request near the end of XXXX. I was told it would take 30 days to complete and then enter a 90 trial and then 30 days from there to have a finalized payment. 

I believe in XXXX or XXXX of XXXX I applied for a modification which was approved in XX/XX/XXXX. I made my 3 months Trial payments and then was instructed that they would finalize paperwork within 30 days for new mortgage payment. Took about 6 months for that to complete and the whole time ( about a year ) I was listed I was in default although I only was behind 2 payments when it all started. Regardless, I made each single payment since the trial payment and I was called about 6 months ago stating I was late one month. I have proof of all payments and have talked to loan experts and managers agreeing that something looked wrong on my record. Fast forward a few months and I am still in the same position, being harrassed for payments and have been charged for late payments. PHH has been the worst experience I have had. And I feel like this is going to keep going. I want my mortgage to reflect correct payments, my credit to reflect the correct information and be refunded for all the late charges. Please help. Thank you.
Product: Credit reporting

here is XXXX items on m credit report from XXXX XXXX. XXXX is in the amount of {$170.00} dated XX/XX/XXXX XX/XX/XXXX. This is not my debt I have not had an account with this company in XX/XX/XXXX I was not even living in the city of XXXX Va. There is also an account listed for {$240.00} sub # XXXX XXXX, I moved out of my previous address of XXXX XXXX XXXX XX/XX/XXXX and all equiptment was returned to this company. I have contacted them on numerous occassions and and issued a copy of the receipt for returned equiptment and this issue has not been resolved. Under the Fair Credit Report act this is a violation of my rights and I wish to have these errors corrected. this is the XXXX time I have had this issue and as a result I was denied employment from my previous employer. 
XXXX # XXXX amount {$160.00} I have never had an account with XXXX I have been in contact and would like verification of this debt requesting its removal immediately. All of my student loans were in default, the information in regards to these are incorrect. I would like proof of these debts.XXXX # XXXX Attempted for over 3 years to have loan refinanced was advised that it ould happen and when it did not property went into foreclosure. Agreement was made with XXXX that the debt would be wiped clean since I was given monies provided me By XXXX and also with an agreement that all negative payments would be removed. In regards o all medical bills reported. I had insurance With XXXX as a dependent from XXXX thru XXXX. 
Thisinformation is being used againist me and I can not secure a job I would like a full investigation and a copy of any verification that is sent as are my rights under the Federal Fair Creit Reporting Act. It is my intention to seek damage for theincorrect information that has been reported
Product: Money transfer, virtual currency, or money service

I am writing to formally to express my concerns regarding Zelle handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with platform. Despite using Zelle numerous times reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that the tracking these transactions was infeasible. The CFPBs findings indicated that zelle not only neglected to protect customers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This Lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I gathered my recent credit report from all 3 bureaus : XXXX, Equifax and XXXX and they still are reporting inaccurate information on XXXX XXXX  on my reports. They came back verified as accurate. 2 bureaus, XXXX and Equifax have the same date of last date payment XX/XX/2017. Now, XXXX has a date of XX/XX/2017 as being the last date of payment. Which one is correct?
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to Transunion credit reporting agency due to unauthorized " Hard Inquiries '' that are on my consumer credit report. Transunion told me that they " Investigated '' the dispute and " Verified '' the unautorized inquiries within 1 day and said that they are remaining on my consumer credit report despite the fact that I filed a police report stating that the inquries are unauthorized or the result of fraudulent activity.
Product: Mortgage

I filed for Chapter XXXX Bankruptcy in XX/XX/XXXX. At that time my Mortgage company ( Nationstar ) was considered a secured loan, which included escrow payments in my monthly fee. Those fees were {$1100.00}. I was in default of {$9800.00}, payments were included in the Trustee payment.I was informed in XX/XX/XXXX by my mortgage company that I needed to pay additional mortgage because the escrow increased. I later fell behind in my monthly mortgage payments and by XX/XX/XXXX i was in arrears of approx. {$15000.00}. Under a government program, Illinois Hardest Hit, in XXXX XXXX they paid my mortgage carrier {$18000.00}, my contribution to their forgivable loan was {$390.00} until XXXX XXXX. I then was responsible for the increased monthly mortgage of {$1400.00}. Last month I received a letter from Nationstar informing me that they failed to provide me with a yearly escrow analysis, since XX/XX/XXXX, because I am under bankruptcy, but because I requested an analysis, they completed one and there is a great shortage. I called them and told them I never requested an Escrow analysis but I thought I should have been informed yearly anyway. The mortgage payment then increased to {$1800.00}. I did not see any reflection of the paid defaulted mortgage.There is a carry over of an amount due of {$1600.00} on XX/XX/XXXX. How I do n't understand because Illinois Hardest Hit paid them a lump sum of my arrears. On the Escrow Analysis I received in XXXX XXXX, it does not list my current mortgage balance, yet it readily list projected charges XX/XX/XXXX as part of the reasons for such a huge increase. Nationstar never reported the mortgage default payment to my Bankruptcy Attorney or to my Chapter XXXX Trustee. When I brought this matter to the attention to my Bankruptcy Attorney, I was told they would look into the matter. I forwarded proof of mortgage default payments to my Bankruptcy Attorney, to no avail. I have had different attorneys because I was told some of them are no longer employed there. Nation star mortgage transfers me to one department after another without any resolution. They will not answer my question to date why they have n't noticed my bankruptcy Trustee about my mortgage being current. My bankruptcy is soon to be discharged in several months. I believe Nationstar Mortgage has intentionally mismanaged my escrow account. There was no reason for them not to provide me with an anual escrow disclosure, which would have notified me of any shortages in the escrow account.I have been very ill and now disabled.But I am now able to carefully read documents and follow-up on my account with mortgage provider.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT  XXXX XXXX Account Number : XXXX Delete this account. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX  XXXX XXXX XXXX added a derogatory mark to my credit report per Experian. This account was transferred/sold and the collection agency is attempting to collect on a debt that states it was opened on XX/XX/XXXX. I am not responsible for the account. Debtor 's creditor did not verify this collection and there was no written form of communication, contract, or written signature for this accused debt. According to the FCRA, XXXX XXXX XXXX XXXX has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
Product: Prepaid card

On XX/XX/2023 my ILLINOIS/DEBIT/WAY2GO card was compromised. Immediately I called customer service number on card. I was told card would be canceled however, I could not get the remainder of money until I received a new card. Asked how do I get the money left, he said go to a store and get cash back then cancel the card. {$500.00} was taken leaving {$160.00} left. Retrieved cash back at a local XXXX. Canceling the card immediately following. After canceling the card I was no longer able to speak with a live person, tried numerous time to report the fraud! Had to wait until new card arrived, 10days later in the mail. 
On XX/XX/2023 new card arrived, called customer service to report the fraud. Was sent a form which arrived a few day later, however on XX/XX/2023 was given instruction on how to write a letter, with my complaint and a FAX # AS WELL. Faxed complaint to XXXX XXXX IN TEXAS as well. Have been in touch with XXXX XXXX a few times. They were suppose to give me a PROVISIONAL CREDIT per a letter they sent me, while investigating my complaint, because they received the form and letter by XX/XX/2023. However upon calling them they REFUSE to return my money, stating it could take 45-90 days. I need my money my bills are past due now and, it appears the theft was done internally. The money was taken on the exact date my money was deposited on the card, with a {$500.00} limit per day! The card never left my possession. The letter plainly stated if I got the form and papers back before the deadline they would return my money. However they still have not!
Product: Checking or savings account

I opened a Citi Checking account on or around XX/XX/XXXX under the promotion code XXXX. I met the promotion code requirements by XX/XX/XXXX. These were 1 ) spend {$370.00}, and 2 )  download/log into the Citi mobile app. I have since had these requirements verified by multiple Citi Customer Service Representatives. Per the XXXX offer, I should have received the welcome offer, XXXX AAdvantage miles, credit to my AAdvantage account by no later than XX/XX/XXXX. This exceeds the 90 calendar day window to receive the offer. It is now XX/XX/XXXX, which is over 120 calendar days which I was supposed to receive the offer. I have since called Citi at least 5 separate times to resolve this issue. Several calls resulted in transfers to confused representatives that have not been able to resolve the situation. The latest call was nearly an hour and involved 3 transfers.