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

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XXXX 2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX
Product: Student loan

I had signed up for college at XXXX. Around XXXX. I realised that i didnt have the time or money to be able to proceed so within a couple of weeks i opted out and dropped my enrollment. I had no knowledge of any loan at that point due to the information not being there yet. i also had not started classes at all i wasnt fully enrolled at that point. Years since then ive had tax returns/paychecks garnished. ive called and tried to make them stop. They did. it remained on my credit report Until XX/XX/XXXX when they took my entire refund of {$1800.00}. Im not impressed at all i never had a loan to begin with. But navient seems to say otherwise. I would like my money back and this " loan removed from my credit. They have not notified me of any withholding until after my refund had been garnished.
Product: Credit reporting, credit repair services, or other personal consumer reports

NCTUE continues to provide false information to close complaints but continues to fail to properly investigate disputed accounts on my consumer file. NCTUE continues to close out my CFPB complaints without providing any of the requested and required documentation of its investigative findings regarding disputed accounts under the FCRA. NCTUE continues to violate my rights under The Fair Credit Reporting Act and the Fair Debt Collection Practices Act by continuing to report fraudulent, inaccurate, incomplete information on my consumer file, failing to investigate my disputes and failure to provide me with proof of the investigation results showing that the alleged debt belongs to me and is 100 % accurate. NCTUE is causing damage to my reputation, loss opportunity, cost and damage to my livelihood by defamation, misrepresentation and negligent enablement of IDENTITY FRAUD.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act 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 XXXX XXXX XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Money transfer, virtual currency, or money service

Hello - I sold my XXXX XXXX to a personal buyer for {$19000.00} paid via Paypal. I tried to transfer the funds to my personal bank account and learned that PayPal put restrictions on my account and closed it reason without cause, as the transaction is legal and I supplied proof to them per their request. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I read that you could help if I filed a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Product: Credit card

Company wrote off debt w governmentSec.gov. Form XXXX was submitted on my behalf to remove from my creditCompany already received a credit for outstanding debt
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 



15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

Filed dispute with XXXX XXXX regarding incorrect balance and incorrect charge off dates. On credit report, states new balance as well as same amount charged off.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I received a notification of a new Hard Inquiry from the following entities, also occurring on XX/XX/2023 - XXXX XXXX XXXX  XXXX XXXX XXXXe Due to this hard inquiry, my credit score dropped XXXX  points. 

I have not attempted to open a credit card or being any product with these entities. I called both companies and there is no record of my social security number or name associated with their companies.
Product: Money transfer, virtual currency, or money service

Im writing today to state my concern and issues with how Zelle handles disputes, especially after the recent lawsuit highlighting major issues with the platform. I use Zelle regularly and even considering this, my financial institution and Zelle failed to investigate my claims. I was informed that recovering lost funds was practically impossible and tracking them was unreasonable. The CFPBs finding indicate that Zelle has neglected the protection of users but also allowed offenders to exploit the system which leads to many vulnerable users getting scammed.
Product: Consumer Loan

I have been having problems paying on time due to going thru a divorce.  XXXX  has been incredibly rude and saying it 's not her problem. Threatening to repo when it is 3 days late. Calling my work repeatedly. Today she has said she will be coming up to my job. I view this as harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
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 or purposes
Product: Credit card or prepaid card

I filed a dispute with Citi over a charge that I did not make on my card. Citi immediately reversed the charge and started an investigation, which I appreciated. 

About 45 days after I filed this dispute Citi contacted me and indicated that " Based on the information available, we have closed our investigation and reversed our credit. ". The only information Citi provided me was a document from the merchant. The merchant indicated that only my credit card number and expiry was provided ( no CVV, no address, no zip code ). The merchant indicated that someone whose name does not match mine or my authorized cardholder made the purchase. The email address and phone number also does not match mine or my authorized cardholder. See my attached document. 

It appears that Citi is not actually doing any investigation here, but is blindly reversing credits when they receive any response from the merchant. I would like to understand if federal law requires Citi to do more than just this. No reasonable person would look at the evidence and conclude that this charge was legitimately made. 

I am continuing the dispute process with Citi, but I feel the process is unreasonable given the evidence and that Citi is not upholding their obligations under federal law.
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason on the XXXX XX/XX/2020 and promised to open it after 180days.. It's past 180days and they are not helping me with getting it back up and allowing me use my balance. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Product: Consumer Loan

I have a car loan with Ally financial since XX/XX/XXXX never late on any payments. My car was a total loss due to flooding that occurred on XXXX/XXXX/XXXX and auto insurance total the car the following week. I called Ally I explain the rep my car was total loss " what do I need to do '' she mention that I needed to contact my insurance. I specifically ask about the payments and she stated car was total so the insurance will contact them, My payment was due on XXXX/XXXX/XXXX. Ally Reported my account to the credit bureau as delinquent. I called Ally multiple times from the collections department to the total loss claims no one has been able to explain to me why if the car was a total loss and my insurance will cover and also have GAP insurance why the account was reported as delinquent. I did not received any calls from Ally or any third party collections agency in behalf of Ally or any documents via mail or email on regards of the account been late, I had set online access to make my monthly payments but after I reported to Ally the total loss the account was remove and I do n't have access to see the status of the account until my credit report send me an alert about XXXX account being delinquent, I have not been able to get an answer from no one at ally but " system generated a report every 30 days after the account is late, so the report is send every 30 days by a computer '' It do n't make sense to me and now I 'm delinquent 60 days I have called multiple times and a supervisor requested me to submit a payment to cover the 2 months and he will try to see if they can remove the delinquent report from my credit. This is not fair treatment to a customer, I was mislead with incorrect information, I trusted them with my situation and believed was been handle in a professional way. Is very overwhelming losing my car in a flood and now my credit has a delinquent report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently refinanced my home and the loan was sold to BSI Financial who it looks like you have recently investigated for similar issues. I have only been with them a few short months and have received a total of 4 statements. I am happy to provide the statements and proof of payments but if you look at them it is clear as day that they have added an additional payment as the XXXX statement showed I owed my regular payment due XXXX and showed that I was delinquent for the XXXX payment which I paid on XX/XX/XXXX. 


It's as clear as day and all you need to do is look at the 4 statements and you can see this is a mistake on their end. However, I have now called them 4 times trying to get them to resolve this issue and have even escalated to a manager but I am not getting anywhere with them. I have emailed them proof of payments twice now but they keep stringing me along telling me they will look into it and have now reported a 30 day delinquency on my credit report! My credit score is over 800 and I have never had a 30 day late reported against me ever. The fact that this is so completely obvious leads me to believe they might actual be trying to scam me. 


I did some digging and noticed that you recently settled with them for similar issues, they have 80+ XXXX XXXX XXXX complaints, a pending class action, and pretty much 1 star on most review sites. In reading through other peoples comments it looks like they have had the same issue where they string you along until you show as 60 days delinquent and then try to repossess and sell your house out from under you. 


I should mention I also received a letter from them saying that they don't show me as having insurance and if I didn't send them a copy of the statement right away that they would purchase insurance for me at a " substantial '' cost. This is weird because the loan was just transferred to them and I contacted the initial agent who confirmed they had for sure set everything up correctly and it was all part of escrow. It sounds like this is another scam they run as many of the complaints against them tell the same story where they claim they didn't receive proof of insurance and then end up buying insurance for you and charging you a ridiculous amount and will not refund you even after showing proof. 


I'm not quite sure who to turn to at this point because I don't want them to try and sell my house out from under me which has over XXXX in equity. I'm wondering if I should just bite the bullet and pay that extra payment and late fees while I continue to fight them but wanted to see if you might be able to help since it sounds like you are already familiar with their shady lending practices. There are only two possibilities, either this company is grossly incompetent or they are a scam. I can assure you that once they remove that delinquency from my credit report and my score eventually rebounds that I will be re-financing through somebody else even if I have to pay closing costs again and take a higher rate they are so bad. Any assistance you can provide would be greatly appreciated.
Product: Mortgage

In the summer of 2021 I began seeking properties to purchase with XXXX, XXXX XXXX. With XXXX 's help, was able to find a suitable property and began the purchase process to include spending {$250.00} on a property inspection. Sadly, another bidder secured the property and it was sold to them. Luckily another property became available and once again started the purchase process to include another {$250.00} inspection using the same inspector. 

Throughout this time, I worked with Mortgage lender, XXXX XXXX who worked at Guild Mortgage in XXXX, Colorado. I was assured by the time I had requested the first {$250.00} inspection on the first property that I was pre-approved and just had gather documents, provide XXXX money, etc. I provided XXXX in the amount of {$2000.00} certified funds for both properties we had settled on. 

I believed whole-heartedly that I had finally, at age XXXX, been able to become a homowner only to find out from XXXX XXXX XXXX XX/XX/2021 that he had submitted my loan for underwriting and they had declined my application for the following reason : That during the Covid-19 pandemic, I was unemployed for 6 months plus 21 days and that was not acceptable to the lender for some reason. 

My complaint surrounds the fact that I was assured I was approved LONG before I spent {$500.00} on property inspections. 

Furthermore, it was a pandemic and many people were out of work much longer than 6 months and feel I am being singled out in this manner. There must be some caveat surrounding that 6 month rule pertaining to the pandemic and I request a review of my application and file with Guild Mortgage. 

Thank you.
Product: Credit reporting or other personal consumer reports

This morning, I noticed an unauthorized inquiry on my credit report, and XXXX baffled as to why. During my regular review, I saw unexpected discrepancies that were not there before. Refreshing the browser didnt resolve the issue, as the unauthorized inquiry persisted. I demand a detailed check of the documents Ive submitted to ensure this is fixed and doesnt trouble me anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 


XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX SELF-REPORTED XXXX Balance : {$35.00} ; XXXX SELF-REPORTED XXXX Balance : {$20.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX ; XXXX, XXXX, XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XX/XX/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, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I applied for a home loan. When the lender pulled my credit, XXXX had placed statements on my account stating that it was in deferment due to a natural disaster. This stopped my loan from processing. When I called them, they stated that FEMA had given them this information and they took it upon themselves to place that on my report. I did not ask for that at the time. XXXX told me it would be taken off XX/XX/XXXX and would show on my Credit reports XX/XX/XXXX. When the lender pulled my credit report again, nothing had changed. I called XXXX again and they continued to argue with me and said that I was still in the deferment and they would not remove it. I had to argue with them for several weeks and into XX/XX/XXXX. They would not remove it until I threatened to get an attorney. Then all of a sudden they agreed that it should have been taken off. I finally got it taken off but had to be subjected to the stress of arguing with them. Some of these comments are still on my credit reports. It also states that my last payment was XXXX XXXX. I have made payments since that time. This is not the first time that I have had to deal with this issue with XXXX reporting bogus information to my credit report. Then it takes forever to get it removed. Equifax is the worst about removing comments, etc. even when you prove it is wrong. They do not appear to investigate anything unless you threaten to sue them. It is just the first time I knew that I could file a complaint. They consistently put me on different payment plans than what I apply for. When I asked them about a forgiveness, they actually laughed at me. Then laughed while telling me that I could not even file bankruptcy and get out of it because it was a Federal Loan and I was stuck paying for this and they didn't care how old I was. ( I am XXXX years old now ) Prior to this my billing and fees were consistently wrong and XXXX XXXX and XXXX refused to justify any of the charges as well as the schools charges when I saw that I was being charged bogus fees or being charged double fees by the school and the Student Loan Servicer.
Product: Debt collection

Over 150 calls in the last 3 months. No message left. No response if I answer the phone. No reason for call given. Refuses to stop calls.
Product: Credit reporting or other personal consumer reports

XXXX, Experian and XXXX are in violation of the Fair Credit Reporting Act 15 U.S.C 1681
Product: Credit reporting, credit repair services, or other personal consumer reports

The law says, " When consumers request to lift the freeze by phone or online, the credit bureaus must take that action within one hour. '' Experian has an option for phone and online lifting of freezes. For both, after providing the social, unlock pin, and all the other details required, they direct you to mail the request to them. There is no indication of why the phone/online request failed. The mail request asks you to include half a dozen pieces of identification.

I believe this is in breach of the law requiring them to offer phone or online service with 1 hour turn around. I need to get electricity on in my apartment and it's ridiculous to have to mail in an unfreeze request. I believe this may be a malicious attempt on Experian 's part to force customers to use their paid freeze/unfreeze services. 

What options to I have to redress this? Is there a class action suit to join?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 


XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Mortgage

Several weeks ago, I was using my wells fargo online account when it said we could click on an offer to stop the next three payments for the mortgage due to coronavirus, if we had issues. Since my daughter moved back in, and with other problems I clicked on the offer. The offer said that the payments would be added to the end of the loan and there would be no application or anything else I needed to do. Then, my wells fargo mortgage account was cut off from making any payments while online banking. I did not think much of it and moved on. 
Then, wells fargo sent me a letter where it states clearly that the payments are to be put on the back of the loan and if I needed more assistance, which I did not, I could apply for a modification. At the bottom of the letter, in fine print, it said that these payments were due at the end of the three months, and missing the lump sum payment would result in foreclosure. I was shocked, and couldn't believe they would do this. This was not what was said when I clicked on offer they put on my wells fargo account. 
I immediately called wells fargo and waited over an hour to talk to an agent. She said she did not know anything over the letter, and that I would have to talk to the mortgage department. I waited 45 minutes to no avail. I could never get the time to wait the hours necessary to get a hold of the mortgage department over this issue, and the banks were closed and not willing to handle the issue through the drive-thru service. 
I tried to make a payment but could not as the account was locked from making any payments due to the offer I accepted, even though wells fargo encouraged me to make a payment if I could in the letter it sent to my house over the forbearance payments. I could no longer make payments since my account was frozen, and I would go in foreclosure if I could not make a payment. 
Wells fargo tricked me into accepting an offer that would have put me in foreclosure, so they could profit from a government program. They locked me out from making payments knowing that they would file foreclosure if I did not make the payment, and made it impossible to get an explanation. This was misleading and possibly dangerous practice conducted by wells fargo and stopped me fulfilling my obligations. This was not advertised in the original offer, and the fine print stated different facts than the rest of the letter. 
By cutting me of from making payments I was put in danger of foreclosure. By selling me on false hope, I was put in danger of foreclosure. This was a fraudulent game wells fargo used to collect government money and not help the people they were supposed to help.
Product: Checking or savings account

Ally has a major data breach that is causing thousands upon thousands of customer accounts to be compromised, myself included This leaves victims with no access to their checking account funds while a new debit card is sent. This issue has been going on for several months and Ally refuses to fix or address it. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX