23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I spoke with a account specialist in XXXX prior to my account charging off. Was in works with getting a settlement. I asked the rep/account manager from CitiBank that handles settlements " when does my account charge off '' and if it was a early charge off. The rep stated they didn't know and that the account wasn't charging off yet/after that bill cycle. They didn't tell me that XX/XX/XXXX was the last due date before charge off after I specifically asked when does it charge off. I received no letters via mail explaining they were charging it off until I received one notification that a debt agency was handling/recovery team. After explaining my situation, I offered a lump sum that was denied and the call ended with no arrangement. I was expecting a settlement letter via mail for the account/another correspondence that would've explained the time frame I had to respond without being taken to court but nothing was sent ( nor any phone calls ) until XX/XX/XXXX when I received a certified letter dated XX/XX/XXXX. I tried calling this law office that CitiBank employed for this matter and got hung up on 3 times and then sent to someone's voicemail. I left a voicemail and emailed the email on the letter. In the most professional way to explain, CitiBank failed to inform me/provide me with the information needed so that I could settle this debt within their guidelines. If known when it was going to charge off, I could've tried to make further arrangements. This would be a violation of FDCPA laws as a deceptive practice/misinformation
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

In XXXX of XXXX, I obtained a loan for approximately {$4700.00} from XXXX. When I obtained the loan, I had it set up for automatic withdrawal from my checking account and provided them with my account number and routing number. I also requested telephone contact or email if there were any problems with the account. 
Up until XXXX XXXX, the direct withdrawal went on with no problem. On XX/XX/XXXX, we signed a contract selling our home and attempted to sign the paperwork on our new home, and my wife was informed that I had a 30 to 59 day late hit on my credit score, and that my credit score had dropped considerably. This Late report was from the XXXX XXXX. 
My wife then contacted XXXX via the telephone to find out what had happened. The credit union stated that they didnt know why the direct withdrawal had stopped, and that they could not explain why we were not contacted. They told my wife that they would file a dispute to have this removed from my credit, but that it would take up to 30 days! She told them that we needed it sooner than that, and they said all they could do was give her a letter saying it was in dispute. 
I then called XXXX and explained to them that this was not acceptable, and that because of what they had done, it had dropped my credit score from XXXX to XXXX, dramatically effecting our ability to qualify for our home loan. Keep in mind, our existing home is now under contract. This essentially renders us homeless unless this is corrected. They told me that they had filed the dispute and thats all they could do. 
I contacted XXXX today to see if there was anything they could do, and they informed that there indeed was the 30 to 59 day late hit on my credit report. I explained the situation to them and they informed me that there wasnt a dispute filed yet, and they helped me file the dispute. They told me this could take up to 30 days. 
Due to all of this, we were not able to qualify for the conventional loan for our new home. Our lender was able to get us qualified for an FHA loan which now will cost us higher interest rates and we are barely able to qualify. This will additionally cost us nearly {$15000.00} in additional loan fees all because of this one report. 
It is not right that a lending institution simply stops an automatic withdrawal on a loan, fails to notify me, and then reports it on my credit score, thus causing thousands of dollars in damages to me. Mountain American Credit Union failed me an my family. This was a shock to me, my wife and the lender that has been helping us.
Product: Checking or savings account

On XX/XX/XXXX I went to my bank well Fargo to deposit {$1000.00} into my account to XXXX to my attorney for court costs, during the time at which I entered the bank to use the ATM I had placed my business debit card into the ATM slot and deposited the money, after the deposit was confirmed I left the bank forgetting my ATM/Debit Card in the machine, shortly after I had sent my XXXX to my attorney bringing my account back to XXXX at which time my card was unlocked for the ATM transfer as it usually locked, lster that night / next day o had logged into my banking profile and noticed my account was now XXXX after looking into this thinking maybe it was a car payment or something I had discovered that my debit was used for 7 unauthorized fraudulent transactions totaling {$450.00} upon realizing this I immediately called the bank and told them what happened that if they check the cameras they will see everything, I submitted the claim with Wells Fargo on XX/XX/XXXX I called to check the status of the claim in which they had told me they had denied it bcuz they saw no suspicious activity within reason based on the back that during this transactions in between them I had logged onto my online banking which according to them validates that I was aware of this, I explained to the guy I was having connection issues with my phone and within the last few days was taking trips to the XXXX XXXX  where I actually had my phone replaced, I gave them my side of the story as to why maybe this had happened and insisted that they review video footage of the stores these transactions took place as well as the ATM camera where my debit card was stolen from, they told me they would not do this and that there is nothing they can do, my account is now overdrawn {$700.00} bcuz of incurred additional charges of {$35.00} per transaction, that transactions alone should prove enough it was not me as well as video evidence
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX has a grace period of 15 days until an account goes past due, I was a couple days shy of that when I tried to make a payment on a credit card with them that I hold a balance of {$900.00} on which I pay off each month through my chase account. The XXXX account got locked because I got 1 security question wrong ( improper capitalization ) so I could not access the online portal. I called several times and their hold time was over an hour long so I scheduled a call back and never heard from them! Which resulted in having to wait till Monday to speak with the bank on the phone again to get it unlocked so I could then make the payment manually and reconnect my XXXX account. They don't have physical locations in XXXX so going into the branch wasn't an option. I have been making payments consistently every month and this fluke of an issue really messed up my credit to where I am not able to buy a house for my family in the time period I was hoping.
Product: Credit reporting, credit repair services, or other personal consumer reports

l was in the process of applying for new employment and it was brought to my attention that there is some inaccurate Information reporting on my credit reporLl received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681 :! section 603 ( k ) ( b ) ( ll ) can be considered an adverse action.

Theretore lwant the following accounts to be updated to the correct amount, date, status, open and closed date. last date of activity and time. 
If you can not complete this request. please delete the accounts Immediately. l have provided an exhlblt of evidence showlng the Inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Account 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 XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I requested an investigation for some items that did not seem correct on my credit report. I provided specific reasons why the accounts were being challenged along with specific instructions on what should happen to the account in the requested information could not be provided within 30 days according to the FCRA. 

40 days went by and the items still were appearing on my credit report and the method of verification still was not provided. 

On XX/XX/2022, I requested a re-investigation into those same accounts with the same results. Nothing was removed and the method of verification has not been provided. 

It is now, XX/XX/2022, and the accounts in question are still showing on my credit profile and are listed below along with the reason for the investigation. 

XXXX XXXXXXXX Method of verification was not provided. 

XXXX XXXX Account was removed and added back without a re-insertion letter. Method of verification was not provided. 

XXXX XXXX XXXX Method of verification was not provided. 

XXXX XXXX XXXX This account was a pay per delete but is still reporting on my credit XXXXXXXX XXXX  XXXX Method of verification was not provided XXXX XXXX XXXX Method of verification was not provided XXXX XXXXXXXX XXXX Method of verification was not provided XXXX XXXX This account was a pay per delete but is still reporting on my credit XXXX XXXX Method of verification was not provided XXXX XXXX XXXX XXXX This account was a pay per delete but is still reporting on my credit XXXX XXXX XXXX Method of verification was not provided XXXX XXXX Method of verification was not provided XXXX XXXX Method of verification was not provided XXXX XXXX XXXX Method of verification was not provided XXXX XXXX Method of verification was not provided XXXXXXXX XXXX XXXXXXXX Method of verification was not provided XXXXXXXX XXXX XXXXXXXX Method of verification was not provided XXXX  XXXX Method of verification was not provided XXXX XXXX Method of verification was not provided XXXX XXXX XXXXXXXX XXXX Method of verification was not provided No Name Account XXXX Account is incomplete, how was this verified ? 

XXXX XXXX XXXXXXXX Method of verification was not provided XXXX XXXX XXXX XXXXXXXX Method of verification was not provided XXXX XXXXXXXX Method of verification was not provided XXXX XXXX XXXX XXXX Method of verification was not provided XXXX XXXX XXXX XXXX Method of verification was not provided
Product: Mortgage

Rocket Mortgage We had a previous mortgage with Rocket, they did not calculate our county, or city taxes into the loan for escrow, because of that we went through refinancing at a lower rate to avoid the increase to make up for escrow for taxes. 

During application for the new mortgage I asked many times, and was assured that all taxes would be calculated into the loan for escrow. When the city taxes were due, we found out that they left out the city taxes for escrow, and now claim it as a tax increase. This is not true, the amount they claim as a tax increase is actually the total amount for the city taxes.
Product: Checking or savings account

On XX/XX/28 XXXX  charged my account for {$51.00}. I did not authorize this charge. I talked to the company in a chat and they said they were unable to help and to call another number. I called my bank and they told me they were going to charge me {$8.00} to fix the issue. Why am I being charged to correct an issue I didnt authorize? It makes no sense how they can be like we will only try and get your money back if you pay us a fee.Any other bank would have just fixed the issue. They keep nickel and dime me every second they get. The lady told me to call back during regular business hours if I want to try to get the fee reversed. They love to make people jump through hoops and then not take care of issues.Now I am going to have to open a new bank account so I dont have to worry about charges coming through that I didnt make.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill their legal obligations 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 failing 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 corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to Equifax on XX/XX/XXXX to investigate the following : I have carefully reviewed my credit report and can't seem to make sense of some items you are reporting. I need you to take a look at the following items due to the fact that you are hurting my good name by reporting these inaccuracies. 

Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX How can there be 3 different dates of last activity listed? Equifax reports XX/XX/XXXX XXXX Reports XX/XX/XXXX and XXXX reports XX/XX/XXXX. Per FRCA laws, your agency must report accurate information on my credit report. According to this inaccuracy you are in clear violation of the FCRA. Delete for inaccurate data being furnished on my credit file. 
Send me a copy of my credit report once you have done my request. 
My concerns were never addressed, I received a notification on XX/XX/XXXX that my dispute results were available for review. The results were that this account was update. The only Item that was updated on my report was the date of dispute. The reporting agency did not acknowledge or provide an explanation to my questions or concerns. Ive been disputing the inaccuracies of this account for going on two years. The last complaint that I made about the agency was closed as the agency stated that information would be provided to me. After this complaint was closed the only notice that I received from this agency is they would not investigate this account again if I didnt provide another reason for dispute. However, Ive provided the agency with numerous inaccuracies regarding this account. From the date of last activity, high balance, balance owed, date of last payment, term length, and account status. I will not accept Equifax stating that they will provide me with more information in order to close this complaint. This agency needs to update this account with correct information or delete due to the inaccuracies. Saying that this matter has been initiated with the with the data furnisher will not do. I received a copy of my credit report from Equifax dated XX/XX/XXXX. Within this report all the Date of Last Activity is blank. Isnt this considered an error on my report? I ask that this investigation be reopened or Ill file yet another complaint against this company. Please review my previous complaints against this company due to their inability to provide facts of why these inaccuracies are still on my credit report. XXXX and XXXX are both complaints against this company for reporting inaccuracies on my report and CFPB closed these complaints are the company states that they initiated an investigation with the data furnisher. Have Equifax provide the proof of the previous investigation back in XXXX of XXXX and provide to both the CFPB and myself.
Product: Credit reporting or other personal consumer reports

This is 2nd attempt to resolve issue. This is new information and complaint. I am cosigner of daughters XXXX XXXX student loan which was inadvertently sent to collections in XX/XX/XXXX. At that the loan was in good standing with.no missed payments for 3 years The loan was on lower payment program beginning jan. XXXX due to my daughters loss of employment in XX/XX/XXXX. XXXX XXXX states loan sent to collections due to nonpayment for XX/XX/XXXX payment. Payment due date was XX/XX/XXXX by autopay which rejected due to bank error. XXXX XXXX refused phone calls and payment on XX/XX/XXXX and XX/XX/XXXX. The loan charged off on XX/XX/XXXX with no notification. XXXX XXXX states loan charged off because XX/XX/XXXX payment was not made BUT XXXX XXXX refused to take that payment. I now have a payment missed on my credit reports and want it removed. Im also sending this to attorney general
Product: Money transfer, virtual currency, or money service

Two days ago I opened a venmo account to receive payment from something I sold. I have tried and tried to use this money or transfer it every way, and even asked support for help which did nothing at all. Now I need my money bad and can't just sit and wait an indeterminate amount of time for MY OWN MONEY, to be cleared for transfer so I can actually use it.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX Other First Names : XXXX Date of Birth : XX/XX/XXXX XXXX SSN : XXXX - XXXX - XXXX To whom it may concern I am writing to dispute the following information that appears on my XXXX, Equifax XXXX and XXXX report from XX/XX/XXXX : Inquiry from XXXX XXXX XXXX on XX/XX/XXXX XXXX 
I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
I don't recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 
I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. 


Inquiry from XXXX XXXX on XX/XX/XXXX. 
I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 
I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX. 
I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. 

Please reinvestigate these matters and delete as soon as possible. 

Thank you for your assistance. 
I personally signed and sent this letter. 

Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I use an application called EarnIn. Earning is designed to send you up to {$750.00} dollars and you have to pay it back the day you get paid from your job. I have used it before and it really helps when you are in a bind between checks and are in an emergency. 

This company has a new feature where you can pay it back early. I selected the option to see if I can be able to make partial payments or the entire payment. Well, I wasnt given the option and was told after selecting the option to pay it back that it was scheduled for the next business day. I immediately reached out the company through their help desk to cancel. 

I first spoke with XXXX XXXX regarding the issue. She asked me if I wanted to use the remaining amount left to withdraw and I said yes. I was then told that the issue was resolved and the payment scheduled for XX/XX/2023 was canceled and to contact them on XX/XX/2023 before XXXX XXXX EST to reschedule the payment. I had confirmed with what I was told and she said it was correct. 

On XX/XX/2023, I woke up to a text from my bank saying that my account is negative {$400.00}. I immediately contacted this company back and spoke with the same person again. She was not fast to answer as this was a serious matter. She then responds by saying it can be rescheduled but you wanted to use the remaking amount left. I told her that she didnt clarify what she meant by using the remaining left over and I thought she was referring to what was already there, not what was gon na be there the next day. I was then told the process was not canceled because of that. 

I next spoke with XXXX XXXX. They were told the whole issue again and also included screenshots of the chat. He then said we can not reverse the funds but we will help you with bank fees if there are any. I explained to him I was told and double confirmed that the request was reversed and now I was being mislead. He was sending passive aggressive comments back and was not really taking care of the issue. I was told that when they brought out the feature, they did not create an override function for situations like this. Once I brought up that they have created a UDAAP issue, thats when everyone started caring more and watching what they are saying.
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 and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasble. The CFPBs findings indicate that Zelle has not only neglected to protect consumers 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 major concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I checked my credit report again today only to find out I still have two fraudulent derogatory accounts from Universal Collections Systems. One is admittedly a duplicate and the other has a date of XXXX which shows that Universal Collections is attempting to re-age an alleged old debt that I have not had the chance to investigate which puts them in breach of the Fair Credit Reporting Act. By placing fraudulent information on my credit report, Universal Collections Systems has caused much hardship in my life. They have also taken away my right under the Fair Credit Reporting Act that allows the consumer the right to dispute and investigate an alleged collection prior to reporting to the credit bureaus. Clearly Universal Collections Systems does not abide by reporting laws as they claim to have allegedly sent one correspondence in XXXX to an invalid address and then just decided to add these fraudulent accounts to my credit report 3 years later in XX/XX/XXXX.