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

This is my initial complaint against XXXX and XXXX, who are violating the Federal Credit Reporting Act, which states that creditors can not furnish information about consumers to consumer reporting agencies following mergers, portfolio acquisitions or sales, or other acquisitions or transfers of accounts or other obligations in a manner that prevents re-aging of information, duplicative reporting, or other problems that may similarly affect the accuracy or integrity of the information furnished. For the past 5 months, I have disputed a debt that is being reported on my credit report twice. XXXX XXXX, acct number XXXX is reported an alleged debt owed to them in the amount of {$520.00}, and a debt collector, Monterey Collection, acct number, XXXX is reporting debt owed to them in the amount of {$520.00} that was originally owed to XXXX XXXX XXXX I am emotionally stretched thin and exhausted from writing to XXXX and XXXX about the reporting of these 2 accounts. 

I contacted both companies on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( see attached certified receipts ) and I have yet to receive a written response back from either company nor have I viewed any recent changes to my credit reports that I reviewed using their companies website. I'm requesting the immediate removal of both accounts, XXXX XXXX & Monterey Collections due to willful negligence and improper investigation. Several consumer laws have been broken and these 2 companies are utilizing the pandemic as an excuse to NOT DO THEIR JOBS. 

If XXXX and XXXX are conducting an investigation why are there so many inconsistencies from the same company. On the XXXX report, Monterey Collection is showing an account status of open, yet XXXX is reporting an account status of closed. Is the account open or closed? Why is Monterey reporting 2 different account statuses? I reached out to Monterey &  XXXX XXXX and I have yet to receive an response.
Product: Debt collection

I have never had a XXXX account in my life. I only have XXXX.
Product: Checking or savings account

At XXXX on XXXX I received an email from XXXX saying I had opened a new Truist Confidence Account, Truist One Savings, Debit Card and Digital Banking XXXX 

At the same time I received a second email stating the following : Hello [ similar but wrong name ], Thanks for enrolling in Truist Online Banking. You've taken the first step toward managing your finances- anywhere, anytime. 

A user ID was created and associated with your account ( s ) on : Date : XX/XX/2023 Time : XXXXXXXX XXXX ET If you or an authorized user made this change, no further action is required. 

If you don't recognize this change, please call us at XXXX. 

I called that number at XXXX. I said I dont have an account and asked if they could look up the account by email and I said no. They asked for my full social and I said no and they hung up on me. 

I received a third email Hello [ similar but wrong name ],, To start personalizing your debit card, just visit https : /XXXX  and enter the design code [ xxxxxx ] along with any other information requested.
Product: Mortgage

I have a no prepayment penalty mortgage. I closed XX/XX/XXXX. I have been paying extra monies every month to pay down the principal faster. In XXXX of XXXX I receive a notice that any extra monies I send in would be held until I paid enough monies to make a full payment. I telephoned immediately and explained that I did NOT want my money held to make a full payment ; I wanted my extra monies paid to be applied directly to the principal has they have been done since XXXX. In XXXX my extra monies were applied to the principal. 
When I went to pay my XXXX payment I noticed that the mortgage co did NOT apply my extra monies to the principal. I again telephoned customer service and was told that they would fix the issue and apply my extra monies paid in XX/XX/XXXX to the principal and they would apply the extra monies paid in XX/XX/XXXX to the principal. I called a third time 4 days later to be told that there was a delay in posting the extra monies but they would be applied properly. I just checked my mortgage account and the extra monies paid were NOT applied to my principal but used to make my XX/XX/XXXX payment!!! I have been charged interest on monies I have paid in advance!!! My mortgage co has illegally held my monies, charged me interest because my monies were NOT properly applied and lied to me!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX  XXXX XXXX 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 also states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

The credit card in question is with Regions Bank ( headquartered in Alabama ), although my accounts with Regions are all in Louisiana. 

In the past I paid my credit card online using my Regions checking account. Now I am paying my credit card using an external bank - XXXX XXXX which has branches in many of the same states ( including LA and AL ) that Regions operates. 

Regions is holding my payment for ten days. This seems unreasonable to me, as they acknowledge they received the payment and they payments have cleared my XXXX XXXX account. This all happens in two days. The amounts are not large - {$500.00} and under. 

I have had this account for many years and have a perfect payment record with Regions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the third time I've asked the agencies to correct my consumer report since the accounts listed below are Inaccurate. My life and personal reputation depend on the outcome of my consumer report. I'm exhausted and stressed every day. Delete these inaccurate and unverifiable accounts immediately. 

XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX
Product: Checking or savings account

Sunday XX/XX/XXXX - someone stole my wallet with all of my cards and ID. 
Monday XX/XX/XXXX- went to TD Branch in XXXX XXXX  and reported card as lost/stolen. I was issued a new card. 
I was by TD bank told to not report any suspicious transactions until " posted '' to the account. 

I reported a fraudulent transaction dated XX/XX/XXXX that did not post until XX/XX/XXXX as a dispute claim. I reported this promptly and had alerted TD Bank to this on XX/XX/XXXX. 

Merchant XXXX XXXX XXXX for {$190.00} TD Bank sent me a letter dated XX/XX/XXXX saying they will not credit my account. 

Absolutely outrageous. I followed all the steps and reported this immediately.
Product: Checking or savings account

five times already I have spoken to the bank on the phone and in person at the local location and it took 10 hours total and I'm trying to close this account. Every week they either freeze my account or disappears and my debit card doesn't work. I have tried in person and on phone so many times to fix this and I want my account closed and I don't want any fees assessed my account being this is my first month and my {$3.00} balance refunded back to me.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX XXXX XXXX regarding their unauthorized and illegal reporting of my educational records, specifically the transaction history, to consumer reporting agencies. This action by XXXX XXXX XXXX is a clear violation of the Family Education Rights and Privacy Act ( FERPA ) of 1974. 

The Family Education Rights and Privacy Act ( FERPA ) safeguards educational records, encompassing a wide array of information, including but not limited to grades, transcripts, disciplinary records, and personally identifiable information ( PII ) directly linked to a student. Transaction history pertinent to educational loans or financial matters, although not explicitly outlined in FERPA, falls squarely within the realm of protected information due to its direct association with the educational journey and financial status of the student. 

As custodians of these records, XXXX XXXX XXXX is bound by FERPA regulations. However, they have egregiously disregarded these regulations by reporting transaction histories to consumer reporting agencies without obtaining my explicit consent, thereby breaching the privacy rights guaranteed under FERPA. 

Moreover, the Privacy Act of 1974 supplements FERPA by regulating the collection, use, and dissemination of personal information by federal agencies. This act establishes stringent measures to ensure confidentiality, accuracy, relevance, and proper use of personal information. 

XXXX XXXX XXXX ' disclosure of my transaction history to consumer reporting agencies without my explicit consent constitutes a blatant violation not only of FERPA but also of the broader principles established under the Privacy Act of 1974. These actions compromise the confidentiality and privacy protections afforded to my educational records and personal information, resulting in tangible financial damages and emotional distress. 

Despite my attempts to rectify this matter directly with XXXX XXXX XXXX, their failure to acknowledge or resolve the issue necessitates the intervention of the Consumer Financial Protection Bureau. I am seeking not only accountability for XXXX XXXX XXXX ' actions but also compensation for the financial damages and emotional distress incurred due to their illegal reporting activities. 

I kindly request that the CFPB investigate this matter thoroughly and take appropriate actions to rectify the violations committed by XXXX XXXX XXXX. Pursuant to 15 USC 1681n, I seek damages of {$1000.00} per violation as a result of their unlawful actions. 

Enclosed with this letter are relevant documents supporting my claim. Please do not hesitate to contact me for any further information or clarification needed to pursue this matter. 

Thank you for your attention to this urgent issue. I trust that the CFPB will take necessary steps to address this grievance and ensure justice is served.
Product: Credit reporting or other personal consumer reports

I filed multiple disputes with EquifaxXXXX XXXX Both CRAs keep reporting an auto loan ( XXXX XXXX  that was never late/paid on time ) they keep reporting a delinquent status on this account. But it has no late payments. I have tried to correct this account for 6 months. Initially, they removed the negative information and added it back to my account the next day. However, I am now still waiting for them to update this once again. I will attach proof of this information to this complaint. I have sent them bank statements and a letter from the creditor. I will enclose the valid letter from XXXX XXXX that was mailed to my address on XXXX XXXX XXXX XXXX XXXX XXXX Equifax representatives are not taking any action to fix this account. XXXX is not updating any information. It's an ongoing dispute process for months.
Product: Mortgage

On XXXX XXXX, XXXX my mortgage Company, Seterus, sent me a letter stating that as part of my HAMP mortgage program that I qualified for an additional incentive. The letter attached stated that after the 6th anniversary of my mortgage modification ( which was XXXX XXXX ) if I signed the paperwork and sent it back they would apply a {$5000.00} principal reduction to my balance and would amortize my loan after the {$5000.00} principal reduction was applied. XX/XX/XXXX I contacted Seterus and asked where the {$5000.00} principal reduction was and I was told it comes from the government and it can be anytime after the 6 years. So I waited and waited and finally XXXX XXXX I received a {$5000.00} principal reduction to my mortgage balance. Then my XX/XX/XXXX statement came and the payment amount was still the same so I contacted Seterus to find out if my amortization was in the works or what was the status. I am a single mom trying to make ends meet and I am having a very difficult time right now since the rate keeps rising on my mortgage that was modified and I have been waiting a year for this principal reduction and amortization. I am struggling to make the payments. I ca n't get any to refinance my underwater mortgage because they say I received the modification so I ca n't take advance of the HARP refi that allows people with underwater mortgages to get help. So I was told when I contacted Seterus that they have no record of a amortization and I told the representative " I have the letter you sent me. '' She said " its over a year old we have no record of it '' which its not my fault it took a year for this stuff to be processed. She told me I had to send a letter in writing to the Correspondence Department with a copy of the letter. She also indicated that there is only XXXX people working in that department so there is no turn around time and she does n't know how long any response will take.
Product: Money transfer, virtual currency, or money service

I paid for tickets through XXXX with Chase bank, my funds were received and I never got the tickets. It was a scam and the bank is offering no help
Product: Checking or savings account

I made a {$4600.00} deposit on my Citibank checking account and the atm only counted {$3600.00} which is {$950.00} less The deposit was made XXXX XXXX XXXX
Product: Checking or savings account

My mortgage servicer ( Mr. CooperXXXX ) didn't pay my homeowners insurance on time, on XX/XX/year>. I then had roof damage and tried to file a claim on XX/XX/year>. I got on XXXX way with my insurance ( XXXX XXXX XXXX ) and mortgage service to get a payment processed before the cancelation date. The mortgage servicer sent me an email stating the payment was made on XX/XX/year> in the ampunt of {$3100.00}. This was incorrect. After talking with them on the phone they stated that the XX/XX/XXXX payment didn't process and was refused by the insurance company. So they tried again on XX/XX/XXXX, same thing. They then mailed it on XX/XX/XXXX. But this is too late and the policy has been canceled. Now the mortgage company is stating that they will allow me to take their insurance, which will be 4 times the amount of my previous policy, and even file a claim for the damaged roof at a diminished coverage. But I wouldn't be in this situation if Mr. Cooper had paid the insurance on time since they control my escrow, which I have XXXX control over. This has also put my XXXX loan in jeopardy because without proper insurance I can't refinance and lower my interest rate. Which prevents my mortgage payment from going down. So this impacts my personal finances.
Product: Debt collection

I keep getting calls from Convergent a debt collector about a past due bill with XXXX. I do have services with XXXX, but my account with them is valid and not late. Now my oldest son opened an account with XXXX in my name without my consent and I 'm assuming this is what the delinquent account is for. The amount is for XXXX. My current account number with XXXX cable is XXXX for XXXX where I have reside for the past 14 years and this account has been opened for the past 4 or five years. The XXXX addresses that my son lived at was XXXX, AL XXXX and XXXX, AL XXXX. Again I 'm urging this company through this site that I never lived there nor did I give my son permission to open these accounts in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

A loan for a non-degree certificate program I participated in ( XXXX XXXX ) was sold to a XXXX party servicer. I recently received notification of a missed payment from XXXX XXXX. It also appears that XXXX XXXX credit reported this missed payment incorrectly. The program through which I incurred the loan with XXXX XXXX has a contract stating that the loan I took out is not credit bearing and is interest free. In XXXX of XXXX, a payment of XXXX  was applied to the principal balance, but Stride and XXXX XXXX have been harassing me for payments ever since. I have also been receiving repeated phone calls after having notified the XXXX XXXX representatives that I currently am unemployed. Under the agreement from the program per the program contract, payments can be paused for up to XXXXXXXX XXXX at a time if program participants are unemployed. This pause can be renewed without any limit. Furthermore, there is a recorded phone call I had with a XXXX XXXX XXXX  in XX/XX/XXXX during which the representative stated that there was no deadline to submit confirming unemployment documentation, yet XXXX XXXX has continued calling me XXXX  times a day. The XXXX XXXX XXXX  reviews on XXXX XXXX reflect that this lender frequently operates fraudulently at the expense of unsuspecting consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive contacted Equifax to advise them that there was an account opened and inquires that I didnt authorize on my credit report and the issue have not been resolved. I am a victim of identity theft. I do not know who the person is but I didnt authorize anyone to open an account in my name or run my report.
Product: Debt collection

In XX/XX/XXXX, XXXX XXXX XXXX, sent me a letter of {$390.00} with a offer to settle with my debt paid in full, a response needed by the end of XXXX. On XX/XX/XXXX of XXXX, I messaged the client through their website to pay the amount as soon as possible, leaving my contact information. After getting response, I emailed the attorney ( on XX/XX/XXXX ) there who I discussed the case with, her name is XXXX XXXX. I again received no response. After that, I messaged them again on their website and said that if I receive no response in 5 business days, the debt is considered settled in full. I again received no response. Today on XX/XX/XXXX I called and did get a response, but they said the offer was no longer available and knowledgeable that they had in fact received my messages. The person I spoke with said their client was behind the offer, he then told me the offer on the table is 45 %, which is much more than the offer I was offered, accepted, and responded to in the correct window.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX 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 in Zelle fail to investigate my claims adequately. They informed me that recovering loss. Phone was impossible, and that tracking these transactions was unfeasible The CFPBs findings indicate that Zelle has not only neglected to protect consumers, but has also allow repeat offenders to exploit the system leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Checking or savings account

On XX/XX/2022. JP Morgan Chase cash an altered ck # XXXX. I contacted them on XX/XX/XXXX, and submitted a Declaration of Unauthorized Endorsement or Altered item on XX/XX/XXXX as requested by JP Morgan. I called a few days later and the representative confirmed that they received the paperwork and submitted it to XXXX XXXX XXXXXXXX. I called back JP Morgan later to check on the status and they claimed that they did not received the paperwork. I went back to the branch on XX/XX/XXXX and requested that they faxed the information again and include additional information such as police report, and letter from the Office of the Receiver of taxes because the check in question was for my property taxes and it was payable to XXXX XXXX XXXX who is the Receiver of Taxes. On XX/XX/XXXX, they still claim that do not have the information. Again, the information was faxed by my banker on XX/XX/XXXX. JP Morgan is negligent in cashing a check that is clearly altered, and is refusing to give me back my money. I filed a complaint with XXXX  and they referred me to you the federally chartered institution that has jurisdiction over JP Morgan Chase. Please help me to resolve this urgent matter.