23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX RE : XXXX XXXX XXXX DEAR EQUIFAX This account was reporting inaccurately and violating my FCRA rights as I am entitled to accounts on my report being accurate and verifiable. The other XXXX credit bureaus removed this account because they were unable to properly verify it. Im confused why you are still reporting this account and you have access to the same information the other credit bureaus do? Please send proof that this account has been properly verified or remove this account from my report immediately. 

Regards, XXXX XXXX I HAVE ATTACHED COPIES OF MY REPORT SHOWING THAT THIS ACCOUNT IS ONLY SHOWING FOR EQUIFAX BUT NOT XXXX OR XXXX BECAUSE THEY HAVE DELETED THIS ACCOUNT BUT YOU CONTINUE TO REPORT INACCURATE INFORMATION AND REFUSE TO DELETE THIS ACCOUNT THAT CAN'T BE VALIDATED.
Product: Credit reporting or other personal consumer reports

I submitted a multiple disputes regarding incorrect balance and incorrect account that should be deleted on XX/XX/year>. Its been pass 30 days with no response
Product: Debt collection

On XX/XX/2019 I sent a letter requesting verification of the debt that was owed. I also requested verification stating that I allowed them to obtain my medical information. It has been more than 60 days and I have not received any correspondence back. Per the FCRA the creditor had 30 days to submit verification of the debt which they failed to do because I do not have a contract with this creditor. The creditor has no contract with MY SIGNATURE on It that shows verification or permission from me to allow my information to be shared. Due to them not being the original creditor, no money is owed
Product: Debt collection

Several Credit cards were stolen in 2017 including Discover. I filed sheriffs reports regarding the credit card theft together with theft from my rural mailbox. I notified Discover who denies to this date. I have repeatedly sent all information including sheriffs reports and arrest information on the person who impersonated and falsely pretended to Discover. But Discover continues to ignore and deny. The credit card limit was {$7700.00} and Discover even allowed the thief to exceed the limit to {$12000.00}. Discover continues to adversely report and now adds insult to injury. See attached 1099. Discover charged off and I gave up and decided to wait for Discover to fall off my report on its own. But now Discover is claiming I benefited from the theft when I received {$0.00} benefit or anything for all the fraudulent purchases. This is wrong and now burdens me with more work. In addition to complaints I now have to file the necessary IRS forms to deny the fraudulent 1099.
Product: Checking or savings account

I opened several claims ( disputes ) with CHASE J.p. MORGAN bank around XX/XX/XXXX. I was previously XXXXXXXX XXXX XXXX XXXX XXXX and I was declared gravely XXXX XXXX XXXX XXXX  During that time my money was stolen totaling in over {$6000.00}. They gave me the replacement money and closed my account the next day. I had previously been a customer with them for about 5 years. They told me I would receive a check in the mail with the full amount of money in the account at the time of closure. Instead, I was sent a check for a little over {$2000.00}. I told them I had medical records proving that i was XXXX XXXX at the time of the transactions that i was disputing. They kept giving me the run around. its XX/XX/XXXX and i still have not received the rest of my money.
Product: Checking or savings account

On XX/XX/XXXX around XXXX Eastern time I received an email from Ally Bank that I needed to give them a call and verify some information. I immediately attempted to log into my bank account and discovered that I was unable to, and received a message that my account was blocked or inactive. I can't even access my bank statements or anything, just a mostly blank screen. I called the customer support line and was told that the fraud prevention team had restricted my account. I was transferred to a fraud prevention associate who asked me a series of questions that I answered. They told me that someone would reach out to me if they needed additional information, but was unable to provide a timeline or any information about my account balances or the reason for the restriction. It is now five days later and nobody has reached out to me to conclude their investigation. I've called the bank multiple times to request additional information and to request a meeting with the investigator but nobody is willing or able to speak to me about this. I had over {$300000.00} between my checking and savings accounts and I have no idea whether that money is still in the accounts or gone forever because they won't allow me to log into my account or get confirmation over the phone. I've offered to provide statements from my other banks or whatever else they need to resolve the issue quickly but nobody will speak with me. Dealing with customer service almost feels like talking to someone that's trying to scam you.
Product: Credit reporting or other personal consumer reports

Asked for verification of this debt, and never received it. This is a FCRA violation to not properly verify and report CORRECT information. The information being reported is false and a violation of my rights. Please delete it.
Product: Debt collection

Again, this fraudulent debt has been disputed with Payliance thru the credit bureaus several times. Their company name listed on XXXX is Cybercollect and Payliance on XXXX. So from now on all of my complaints with this company will be handled thru The Cosumer Finance or the FTC. I've attached my official statement of ID Theft for this account. If this isn't removed from my credit file I will go further with the process.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2016 ; XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX Balance : {$0.00} ; DEPTEDXXXX XXXXXXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

I am writing to formally address the ongoing issue regarding Incorrect personal information on my credit report. Despite multiple attempts to dispute these fraudulent information with Transunion, my requests have been disregarded. 



These addresses and information was placed on my credit report from accounts that was fraudulently placed on to my consumer report. 

Incorrect Name - XXXX, XXXXXXXX XXXX  Incorrect Name - XXXX XXXX XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I recently requested and received a XXXX XXXX credit card through Wells Fargo. When I went online to set up my account, I noticed that it was impossible to set up Autopay which pays the bill automatically. In addition, it is possible to request text and email notifications of OVERDUE bills, but only email notifications of upcoming bill due dates. In other words, they are DELIBERATELY making it more likely that a consumer will miss paying a bill, while ensuring that they will be quickly notified of any past due bills and associated extra fees. 
I feel strongly that banks and credit card companies should be penalized for such practices. Is there a list, or could one be created, a kind of Wall of Shame, for credit cards that rig the system against consumers?
Product: Mortgage

Hello. My mortgage was recently transferred/sold from XXXX XXXX  to Nationstar d.b.a. Mr Cooper. Mr Cooper continuously mismanages payments that I make on my home loan. I make regular monthly payments on a timely manner always. In between the monthly payments, I made extra payments towards Principal of my mortgage, yet Mr Cooper does not apply those payments towards my Principal but rather takes out interest and other charges. In that resect, I get double or triple charged for interest. This is completely inappropriate. I called and emailed Mr Cooper several times, and got several past payments reversed and applied towards the Principal. However, the problem persists. On XX/XX/XXXX ( due date ), I made a regular monthly payment. Another regular payment is not due until XX/XX/XXXX. Today, XX/XX/XXXX, I made an extra payment towards my Principal only, and yet again was charged for interest. This is completely inappropriate handling of my mortgage. I would appreciate if your Agency would kindly investigate Mr Cooper 's practices. Thank you in advance for your help.
Product: Debt collection

I, XXXX XXXX, am submitting this complaint on behalf of myself without anyone else. 

I received a generic letter from this third-party debt collector dated XX/XX/2023. It stated to dispute the debt before XX/XX/2023, which I did so via XXXX XXXX XXXX and was delivered XX/XX/2023 at XXXX. Please see attachments for proof. A few days later, I get an alert from one of the consumer reporting agencies, ONLINE INFORMATION SERVICES furnished this alleged debt to my consumer report. That is a violation of title 15 U.S. 1692. I also, requested documentation from them and received nothing. Please see attachments.
Product: Credit card or prepaid card

I signed up for auto-pay on my credit card on XX/XX/21 and the card company said the first auto-pay would be processed on XX/XX/21, the due date of my most recent bill. On XX/XX/21 my payment was not processed and the card company charged me a late fee and interest. Once I noticed the auto-pay was not processed I immediately made my payment manually. I've asked them to credit the fee and interest back to my card but they have refused. I should not be liable for additional fees just because they're auto-pay feature does not work correctly. This is also the second time I singed up for auto-pay with them. Neither time they have taken the payment on the correct date.
Product: Credit reporting, credit repair services, or other personal consumer reports

Two incorrect addresses are appearing on my credit report even though I have never lived at these addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have requested Experian remove this incorrect addresses, but they refused to remove this incorrect information from my credit report.
Product: Money transfer, virtual currency, or money service

I tried to sign into my Coinbase & Coinbase pro account around XX/XX/21 I got an error message stating my account had been temporarily disabled and to contact support. 

I have contacted support by opening over 20 support cases over the last 3 months but every case is closed without me receiving any help or information. 
I have requested the details of their financial ombudsman but they refuse to share this with me. 
I have opened a complaint case also but they do not respond. 

They are withholding my entire life savings and I am in extreme mounting debt because of this. 
They have ruined my XXXX as I have not had access to my savings. 
I am in debt from borrowing money to pay my bills. 

Please have them open my account so I can have my life savings back before I lose everything I have worked my whole life for.
Product: Credit reporting or other personal consumer reports

I asked Chrysler Capital for a validation of my account and a deletion of it from all credit bureaus because the information presented on my credit report is inaccurate. 

On XX/XX/XXXX, based on my CFPB complaint, the company responded that their records were correct and that they were not changing my reports. Even though the amount shown on my account records is not the same as they are reporting ( which is a factual error ). 

The company also ignored the fact that according to the " validation letter '' that they sent me, they must delete this account because this account has exceeded the 7 year reporting period. According to the Fair Credit Reporting Act, a delinquent account must be deleted on the date OF THE ACCOUNT 'S FIRST DELINQUENCY. According to the accounting records sent by Chrysler Capital, my first date of account delinquency was XX/XX/XXXX. XXXX years from this date is XX/XX/XXXX. This account should no longer be reported on any of my credit reports. Please delete it.
Product: Debt collection

I received a written dun for {$2300.00} ; although this was the first time I heard from them they offered a settlement amount of {$1600.00}. The vendor supposedly placed the debt for collection was XXXX. The immediate offer to settle was suspicious but also the vendor. All business I do with XXXX I allow them to ach my credit card and debit card. 
I called XXXX and the customer rep combed through my records looking for anything that this might relate to and finally said I was up to date with every and I was in good standing. 
I called the agency Transworld Systems Inc and the person I spoke with was totally unhelpful and unwilling to do any research or follow up with XXXX.
Product: Debt collection

ERC is sending a bill for {$43.00} for an outstanding balance when this was paid to full to XXXX back in 2019.
Product: Student loan

Dear Representative, I had my loan on a deferment due to a hardship caused by unemployment. My loan was on a 1.25 % APR because I made my payments on time for the last 17 years, it was 1.75 % fixed rate, and it got reduced to a 1.25 % fixed APR. Since Navient took over the only thing I had had is issues. They change my deferment payment plan many many times without contacting me, and without reason. Their employees do not know what they are doing. 

After my 18 month deferment ended, they started to charge the auto debit payments again, which was declined because I had a new bank account number. They did not email me or contact me to notify me that a payment was going to be charged. I gave them the new information twice as the first one was not processed due to their incompetence. 

Now, they are charging me the wrong interest rate of 3.00 %. My rate was changed when I went to the deferment payments. Deferment payments should not change the APR in the account, I contacted them, and spent hours in the phone, and they always give me a different response.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX To Whom It May Concern : This letter is a formal complaint that you are reporting inaccurate credit information. 
I am very upset that you have included the below information in my credit profile due to its damaging effects on my credit standing. I have been wrongfully denied credit recently which was very stressful for me. 
The inclusion of this inaccurate information is a mistake on either your, or the reporting creditor 's part and I am formally requesting an investigation into these items. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The terms reported is incorrect, please DELETE. 

By law, in reference to my rights under the Fair Credit Reporting Act, I deserve and expect a timely response from your Credit Bureau to my dispute. 

Thank you for your prompt attention to this matter. I apologize for being so upset, however, your mistakes are causing me a world of trouble. 


Please DELETE/ UPDATE the above accounts as quickly as possible. 

Sincerely, XXXX XXXX XXXX # XXXX DOB : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes requesting to remove negative items and provided proof, however, the documents were ignored and items remained on report. 

XXXX ( XXXX ) Incorrect reporting for derogatory marks : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( XXXX ) Incorrect reporting : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( XXXX ) Incorrect reporting : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX ( XXXX ) Incorrect Reporting : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( XXXX ) Incorrect reporting : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( XXXX ) Incorrect reporting : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Experian ( XXXX ) Incorrect reporting : XX/XX/XXXX ( XXXX ) Incorrect reporting : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( XXXX ) Incorrect reporting : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

went into advnace america XXXX XXXX XXXX in XXXX XXXX  on Friday XX/XX/XXXX to recieve a loan for XXXX to pay an insurance bills, i was between jobs, and collecting unemployment. 

I started work on XXXX/XXXX/XXXX They gave me the loan and charged me a service fee of XXXX when I recieved my first paycheck on XXXX. I came into that location and paid a young boy with cash, who gave me a reciept. 

About three months later, I was being inundated with calls. sometimes twice a day about 15 calls a week every day. I never returned the calls because I had a reciept I blocked them. 

Today I looked into my account and saw that they over drew my account for XXXX I called XXXX XXXX, filed a fraud claim, and had the charges reversed, I revoked the ach authorization and had to close down my account. 

When I called this location they had me blocked. and when i called from another number they hung up on me. 

I am filing a criminal complaint on this location.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX dispute resolution practices, particularly in light of the recent CFPB lawsuit that has exposed significant shortcomings with the platform. Despite frequent use of Zelle and reporting discrepancies in transactions, neither my financial institution nor Zelle conducted an adequate investigation into my claims. I was informed that recovering my lost funds was not possible and that tracking the transactions was beyond their capability. 

The findings from the CFPBs lawsuit reveal that Zelle has failed to protect its users and has allowed repeat offenders to exploit the platform, leaving consumers vulnerable to scams. This lack of accountability and transparency is deeply troubling and raises serious concerns about the safety of those who rely on Zelle for financial transactions.
Product: Payday loan, title loan, personal loan, or advance loan

CFPB Ref No : XXXX Dear XXXX XXXX XXXX XXXX I attached copies of proof of payment from XXXXXXXX XXXX XXXX XXXX XXXX statement from XXXX XXXX  XXXX and your letter dated XX/XX/year>. 

The reason for not being able to find or not locate the fund of {$800.00} is that no one looked at where the payment was sent to the account of XXXX instead of XXXX on the proof of payment from XXXX XXXX. 

My complaint was the {$800.00} I paid electronically to my personal loan with American Express for account number XXXX. 

Please look at the account of XXXX on proof of payment from XXXX, and you can complete the complaint.
Product: Mortgage

I WAS LATE ON MY MORTGAGE PAYMENT BECUASE IBECOME UNEMPLOYED THAT WAS XX/XX/2019 I WAS STRUGING WITH XXXX KIDS THAN PANDAMIC HAPPEN I DID CALL THE MORTGAGE COMPNY AND TOLD THEM I AM UNEMPLOYED i can not make payment they told me i could go on forbearance plan for 6 months i agreed so i check my credit report i saw negative info from my mortgage company i called them and they told me that i should be told by the person that called me the first time to put me on forbearance plan that it will show negative info on my credit report but she did not tell me that AT THE BEGAING THEY TOLD ME to bring the payments current than it will report to credit bureau i am not late i told them it is too late now please fix my credit so i sold my car to pay the payments and to bring the account to current i di pay and nothing happen i check the bureau again more negative info i called again they to me because it took me to pay around 1 month i have to catch up again i have no more money no income if i had the money i would not be on FORBEARNCE PLAN FOR XXXX SAKE they to me to write a letter to them i did NO RESULT PLEASE HELP ME IF I COULD FIX MY CREDIT I COLD REFINANCE THE HOUSE THE THE MORTGAGE PAYMENTS WOULD LESS
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/ - end of cycle for this Sychrony ( Amazon ) credit card, I updated my auto-pay from " statement balance '' to " minimum balance ''. Their system showed my scheduled autopay as updated from {$550.00} to $ XXXX. 

I then added a manual payment of {$350.00}. 

Their system showed two pending payments of ~ {$30.00} and {$350.00}. 

They then processed a payment of {$550.00} and {$350.00}, overdrafting my account and costing me multiple overdraft fees and putting my credit card balance - {$240.00}. 

Their system did not display the correct amount, and they are only willing to mail me a paper check to refund the negative balance several weeks from now.
Product: Credit reporting or other personal consumer reports

I recently review my credit report and noticed that inaccurate information was reported on my credit report. Syncb/American Eagle on XX/XX/XXXX and Syncb/Amazon on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. This information was showing inaccurate on my XXXX XXXX XXXX
Product: Debt collection

I received a letter from National Enterprise Systems of XXXX Ohio to collect a debt. I requested information from National Enterprise Systems on several occasions via U.S. certified Mail for the past 3 months they have only provided 2 documents as I requested several documentations. Especially being that they are located in Ohio and I reside in the state of New Jersey. I requested documentation that this company is legally able to collect any debt in the state of New Jersey if so, provide licenses information. I tried to be lenient with National Enterprise Systems in which I explained to them that it is my right to request documentation and to receive it. National Enterprise Systems has been in non compliance since XX/XX/2021. I've attached all documents. 

See attachments.
Product: Checking or savings account

I am trying to link my account to XXXX XXXX XXXX  and PNC Bank will not let me