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

XX/XX/XXXX I busted an XXXXXXXX XXXX XXXX XXXX so I had to get XXXX and because of that I was out of work for awhile. I took a look at my credit report and I have three missed payments on XXXX, XXXX, and XXXX of XXXX. In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 Section 602 states I have a right to privacy. 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 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: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to mXXXX XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failure to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate correction action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is a fraud. Every time they delete something from my credit report it comes back on after they say they have deleted the item. Prime Example : 1.   XXXX   XXXX   XXXX   XXXX   Was removed on several occasions. I 've included all screen shots. I have a case with them that recently closed on   XXXX   file #  XXXX . On that credit report, it states that this account is currently not reporting on my credit file, however, I 've included a screenshot with today 's date of   XXXX   of my Equifax credit report and I 've also included that screenshot as well. There 's an Illinois Law that protects consumers from the credit reporting agency that protects the misuse of the consumers ' credit file.
To Equifax, On   XXXX   I discovered   XXXX   XXXX   XXXX   XXXX   had been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately.
CFPB I plan to file a lawsuit against the creditor for re-inserting the item under the Fair Reporting Credit Act ( FRCA ). It seems like once I contact you guys about this company and they 're wrongful practice they remove the item and reinsert it connivingly.
Product: Money transfer, virtual currency, or money service

I am writing to formally express 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. They Informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but have also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, 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 DELETE all information which can not be verified. 

XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Yesterday, my wife and I submitted an application for a HELOC with a known and trusted bank with whom we are already doing business. Today, I received an unsolicited text message on my phone, addressing my wife by name, from someone named " XXXX '' at " XXXX XXXX. '' The text says in part, " I'm reaching out as we were notified by XXXX, Equifax and XXXX of your recent credit inquiry for a mortgage product, '' and going on to offer a competing loan product. This is either an extraordinary coincidence, or one or more of the credit bureaus have shared confidential information, including our name, phone number, and the fact that we've applied for a mortgage product, without our consent. I have attached a copy of the text message, which includes an NMLS  number.
Product: Credit card or prepaid card

I have submitted a previous complaint regarding this matter. Discover has continued to fail to uphold their end of their contract. Discover has ONLY 90 days to resolve a credit card dispute. It has been over 90 days and Discover still hasn't made a final ruling despite ruling in my favor. According to XXXX, " The card issuer must complete its investigation within two complete billing cycles of receiving the dispute, which generally means two months, and can not take more than 90 days. '' XXXX XXXX XXXXXXXX How much longer must this dispute go on before a final resolution? It's passed 90 days. It's unfair for Discover to rule in my favor yet continue to drag this on way past 90 days. The dispute number is : XXXX THIS TRANSACTION WAS NEVER UNATHORIZED, THE MERCHANT NEVER REPLIED WITHIN 90 DAYS.
Product: Mortgage

This is in regard to my deceased mother 's HELOC with KeyBank. I went to the KeyBank branch at XXXX XXXX XXXX XXXX, NY on XX/XX/2023 to bring the account current and to provide the death certificate. The bank rep I met with took my license, death certificate, scanned in the death certificate. I presented the payment voucher to him and said I wanted to pay the balance due to bring the account current. He advised me to contact another Keybank Loan Officer at a different branch and said " Call him he will know what to do '' I said why do I have to call him? He said he can tell you what to do, I told him the payment needed to be made regardless of me calling someone else because I did not want the account to go into foreclosure. He replied, " Don't worry foreclosures take a long time '' I told him it should not be going into foreclosure if I was here to bring it current ''. This rep should have consulted with his manager within his branch to process the payment rather than to refer me to another branch location. I called the other Loan Officer the same day and left a message. On Tuesday XX/XX/2023, the loan office returned my call and said he didn't know why the bank rep didn't take the payment and that he would look into it and call me back. By Wed XX/XX/2023, I took it upon myself to visit another KeyBank branch at XXXX XXXX XXXX, XXXX NY to attempt to make the payment and was told by this branch manager/VP that they could not access the account, it was locked out at the branch level. This manager contacted someone on the phone, came back and provided me with a phone number to at attorney XXXX XXXX XXXX XXXX XXXX XXXX I asked him when the account was turned over to the attorney, he indicated it went to the attorney 's office on Tuesday XX/XX/2023 THE DAY AFTER I VISITED THE BRANCH ON MONDAY XX/XX/2023 TO BRING THE ACCOUNT CURRENT. I have been in contact with KeyBank 's Executive office XXXX and has had a case open since early XXXX trying to get RESOLVE and all I have gotten was the run around. 1st the Executive Rep tried to say they could not prove I was there on XX/XX/2023. I said XXXX XXXX scanned the death certificate in the system and he took my license, how could you not see that in the system. After being XXXX around for another 45 days, I went back to the XXXX XXXX XXXX XXXX met with XXXX XXXX asked him if he remembered me and what did he do with the documents I provided while there I contacted the Executive Office Rep so she could verify with him that I was there. I should not have to go through all of this, I came to the bank voluntarily to make a payment and to provide documentation. KeyBank is clearly negligent with how my visit to the branch was handled. Now that they attorney are involved thousands of dollars are being accumulated trying to make it impossible for us to retain the property. All I look for is KeyBank to provide a resolution, remove the attorney out of the process because it would not have went to an attorney if the bank rep processed the payment.
Product: Debt collection

15 USC 1692c if customer Notifies a debt collection that the consumer refuse to pat a debt the debt collector must cease all communication
Product: Student loan

Navient continues to deduct additional payments over the agreed upon amount from my checking account each month. 

In order to receive their payment rate reduction, we had to sign up for automatic withdrawal. They are withdrawing over {$900.00} per month as opposed to the agreed upon {$640.00}, a {$250.00} discrepancy. When my wife calls, she is directed to the collections department even though we are, and have always been current with our payments. 
These loan amounts, many of which were accruing 17 % interest for years of deferments, have ballooned to well over {$200000.00}. All of her education was conducted online. It seems like this is one of the biggest scams in the history of our country. Im honestly appalled by this enslavement of an entire generation.
Product: Debt collection

I am and XXXX XXXX veteran with free health insurance. I do not pay for health coverage because it is supplied to be freely. And if anybody has any debts that they're trying to collect from me it is only because they didn't followed the proper procedure and file the proper paperwork to get the veterans affairs to pay them back for emergency services. This is totally messing up my credit and affecting my livelihood and it's been happening for years now I need help please
Product: Credit reporting or other personal consumer reports

I obtained a copy of my consumer report and noticed that XXXX, XXXX, and Transunion are reporting inaccurate information on my credit report. I do not recall doing any business with any of these companies ( XXXX XXXX XXXX AccountXX/XX/XXXX for {$370.00} anXX/XX/XXXX Account XX/XX/XXXXfor {$160.00} ). I also want all the addresses below deleted as I no longer live there, and some of these I do not recognize. ( XXXX ) XXXX XXXXXX/XX/XXXX, XXXX, TX XXXX, ( XXXX ) XXXX XXXX XXXX # XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX, WY XXXX, ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX XXXX XXXX, NC XXXX, ( XXXX ) XXXX XX/XX/XXXXXXXX, MI XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporter act - XXXX XXXX XXXX has violated my rights : 15 usc 1681 section 602 8 states I have the right to privacy 15 usc 1681 section 2 also state a consumer reporting agency can not furnish your account without my written instructions. 

in accordance with the fair credit reporter act - XXXX- XXXX has violated my rights : 15 usc 1681 section 602 8 states I have the right to privacy 15 usc 1681 section 2 also state a consumer reporting agency can not furnish your account without my written instructions. 

in accordance with the fair credit reporter act XXXX XXXX has violated my rights : 15 usc 1681 section 602 8 states I have the right to privacy 15 usc 1681 section 2 also state a consumer reporting agency can not furnish your account without my written instructions. 

XXXX XXXX XXXX has violated my rights : 15 usc 1681 section 602 8 states I have the right to privacy 15 usc 1681 section 2 also state a consumer reporting agency can not furnish your account without my written instructions.
Product: Mortgage

Please know that due to covid pandemic we fell behind on our mortgage loan. The company requested personal and financial information for over a year and we always complied. 
we were then told that we had to make XXXX trial payments before our loan would be modified. 
we made all payments on time and then XXXX  days later we got a notice from the lender that our loan is in default.
Product: Credit reporting, credit repair services, or other personal consumer reports

i am a consumer by law and my information dealing with two accounts that were posted on my report without my consent. it was brought to the company attention multiple times nothing has been removed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXXXXXX  This letter serves as a formal and initial communication to complain that you are reporting inaccurate and incomplete information on my credit report. The following information regarding late payments are inaccurate : 1. CITICARDS CBNA XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 2. XXXX XXXX, XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I respectfully request a thorough and accurate investigation into the data associated with this account, ensuring that all notations, dates, payments, and balances are reported correctly. I also request specific evidence proving that the alleged late payments were, in fact, late. To verify this, I am requesting copies of statements and payment transaction records from the creditor that demonstrate my payment was submitted late. 
Under 15 U.S. Code 1681e, it is your responsibility, as the credit reporting agency, to verify the accuracy of this information with the reporting creditor. If you are unable to provide proof of the alleged late payments, I ask that you immediately delete the negatively reporting account from my consumer report, in accordance with consumer protection laws. 
Please send the results of this dispute and the updated credit report to the address listed above
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX  XXXX Bankruptcy XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The XXXX Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Wrong Name : XXXX, XXXX, XXXX XXXX, XXXX, XXXX Wrong addresses : XXXX XXXX XXXX XXXX CT XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2018 ; I was defrauded out of {$19000.00} by SunTrust Bank XXXX customer XXXX XXXX, acct # XXXX in XXXX, GA. This individual scammed me by leading me to believe he wired an overpayment of {$20000.00} to my XXXX XXXX acct. This was done by hacking my computer and fraudulently transferring {$20000.00} from XXXX of my XXXX XXXX accounts to another making it appear that the overpayment was legitimate. I subsequently wired {$19000.00} to SunTrust Bank customer 's acct. at his request. I received an alert from XXXX XXXX that an account transfer was made between two of my XXXX XXXX accounts. I notified XXXX XXXX immediately of the fraudulent/unauthorized transfer. I asked XXXX XXXX to recall the wire transfer and to notify the SunTrust Bank branch in XXXX, GA that a fraud had occurred and to freeze the receiver 's account at SunTrust Bank. Both XXXX XXXX 's and SunTrust Bank 's fraud department were notified within an hour. I called SunTrust Bank and their fraud department but could not find out what was happening to stop the funds movement. SunTrust Bank would not tell me anything that was going on, nothing about their customer, or if there was any funds in the account. The next day I gave a police report to the XXXX XXXX police department. Their investigator told me the SunTrust Bank Customer used an address of an empty lot in XXXX so there was no way to find this scammer. SunTrust failed to recover the funds, made no effort to recover the funds, or investigate the fraud. SunTrust Bank facilitated the scammer by opening an account without properly vetting the customer and did not adhere to bank regulations requiring Knowing Your Customer ( KYC ). Banks have the responsibility to protect consumers against fraud. My efforts to get SunTrust Bank to recover the funds were futile. Therefore I am requesting SunTrust Bank 's reimbursement of the lost funds, {$19000.00}.
Product: Credit reporting or other personal consumer reports

XX/XX/2024 Equifax Information Services LLC Subject : Request to Place Fraud Alert on Credit Report Dear Equifax, I am writing to formally request that a fraud alert be placed on my Equifax credit report. 
On XX/XX/2024, I contacted XXXX to place a fraud alert on my credit report. They promptly added the alert and informed me that it will remain on my report for XXXX year. Additionally, XXXX notified me that they would inform the other XXXX major credit bureaus, including Equifax, to add the fraud alert as well. 
Enclosed with this letter is proof from XXXX indicating that they have placed a fraud alert on my credit report and notified XXXX. I am pleased to inform you that XXXX added the fraud alert as soon as the next day. However, it has come to my attention that Equifax has not yet placed a fraud alert on my report for the requested duration of XXXX year. 
Enclosed with this letter is proof that the fraud alert has been in place with XXXX and XXXX since XX/XX/2024. Additionally, I have enclosed my document identification for your verification. 
Given the circumstances, I kindly request that Equifax place a fraud alert on my credit report as soon as possible. This measure is critical in ensuring my credit report is monitored for any unauthorized activity, thereby protecting my personal and financial information. 
Thank you for your prompt attention to this matter. Please confirm the addition of the fraud alert by responding to my contact details provided above.
Product: Checking or savings account

Date Reported : XX/XX/XXXX RTN/ACCT # : XXXX / XXXX Original Charge Off Amount : {$32.00} Date Reported : XX/XX/XXXX RTN/ACCT # : XXXX / XXXX Original Charge Off Amount : {$240.00} Spoke to someone to request removal.
Product: Debt collection

Robocalls started on XX/XX/23 and initial voicemail was left with little information on who was calling. If I answer the call, I just get a recorded message, the same as what is left on the voicemails : " This is receivables management partners LLC calling. This is a call from a debt collector. Please call us back at XXXX. Thank you and have a great day. '' The number they are calling from continues to change and is not the same as the number they tell me to call back. They call once a week and leave a voicemail and recently, the voicemail has indicated they are from Receivable Management Partners. I have not received any mail indicating my rights or what the debt might be. 

I don't believe I have any debts to be collected on, so I assume it is a scam. I am afraid to call the number as they may try to rope me into paying a debt that is not mine.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I'm complaining about Cash App ( Block, Inc. ) because of their unjust methods and poor customer service, which are under the Consumer Financial Protection Act ( CFPA ). In particular, Cash App left my account exposed and unsafe by failing to take prompt and appropriate action to stop and handle fraud on their platform.Additionally, because they failed to adhere to the Electronic Fund Transfer Act 's ( EFTA ) and Regulation E 's error resolution criteria, their dispute settlement procedure was unfair and dishonest. I demand adequate remedies for these infractions, which have resulted in significant financial loss and inconvenience.