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

As of XX/XX/XXXX, Equifax has not investigated or responded to the following issues on my credit report at all. The creditors have attempted no contact with me resulting from said investigations. Please see items below ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES XXXX XXXX XXXX XXXX XX/XX/XXXX PUBLIC FILINGS XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFBs findings indicate that Zelle has not only neglected to protect customers, 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 serious concerns about consumer safety.
Product: Credit card

Hello, XXXX of the credit card I am using is from TRUIST BANK, and for 3 months in a row I see a double entry for the same transaction, XXXX will be already processed, and the other is on pending. The first time it happened I contacted the bank and they called back and said that there was an error in the system. 
The same problem happened this month twice, and when I called, they said an upgrading. 
It makes unsafe to deal with the bank, when you have to review the account every day, and before doing a payment. It is also give the feeling of untrusted financial institution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Evidence of payments being made from a XXXX XXXX XXXX account include : XXXX XXXX XXXX- Payment amount {$350.00} from XXXX XXXX XXXX XXXX XXXX- Payment amount {$420.00} from XXXX XXXX ( Account 1 ( XX/XX/XXXX-XX/XX/XXXX ) - Payment amount {$280.00} from XXXX XXXX ( Account 2 ( XX/XX/XXXX ) - Payment amount {$700.00} from XXXX XXXX XXXX XXXX XXXX  ( initial payment XX/XX/XXXX for {$1100.00} check # XXXX from XXXX  ) All accounts paid as agreed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent an investigation letter to Experian, XXXX and XXXX asking out the said bankruptcy XXXX on my credit report. They sent me back the reporter of XXXX XXXX. I contacted XXXX XXXX on XX/XX/2022 asking how was this information provided and if not from the actual source to remove this information from their files. On XX/XX/2022 and XX/XX/XXXX XXXX XXXX sent me a letter saying the information was not verifiable through Pacer and was removed from their records and updated. However XXXX and Experian still had this information reporting on my credit as of XX/XX/XXXX. They are breaking several laws and their reporting has caused me denials for a home loan.
Product: Credit card

During XXXX of XXXX I was offered a discount to open a charge card at the store XXXX. The card is offered by Commenity bank where I have another regular charge card. On a balance of about {$120.00} I first made a payment of about {$25.00} and then paid the balance in full before the due date on the next cycle in XXXX. Since I had a XXXX balance, I assumed I did not owe them any more money ( and was having a hard time accessing the account online as I was having medical issues to deal with ). When I finally accessed the account a few months later, they had charged something {$2.00} in interest, then charged me late fees for not paying it. When I called them they cited a 'minimum interest charge '' they had a right to charge. While they removed all the charges, by then I had 3 over 30 day late payments on my credit report, causing multiple other credit cards to increase their interest rates. When I called to ask them to remove the late payments, they restated they had a right to charge me this and that it was in the fine print on the disclosures. I read ALL the fine print, on line and on the credit card statement and could only find that if you paid on time there was no additional interest. As of now, I still have the late fees on my credit report, which has gone down at least 100 points if not more at times as a result and at least one credit card reduced my credit line on the one card I kept money available for vehicle emergencies leaving me with no recourse for emergencies. I mailed a request to have the reporting reversed this spring ( XX/XX/XXXX ) and they refused. I ran into the same problem with my XXXX XXXX card held by XXXX but at least I knew to look for it and just paid the extra XXXX even though I had paid the card in full and on time. I spoke with someone today at another company who said they had been in the business 20 years and never heard of such a thing. So, maybe YOU can get them to take the erroneous reporting off my credit report. I've attached the first statments showing the balance, the second statement showing I paid in full AND that they then charged {$2.00} interest on the XXXX balance, and then the statement where they wrote off the then {$100.00} dollars in late fees and owed me {$2.00} which they did pay me via check.
Product: Credit reporting or other personal consumer reports

15 U.S.C. 1692c " If a consumer notifies a debt collector in writing that they refuse to pay a debt, the debt collector is legally obligated to cease all further communication with the consumer regarding that debt ''. 

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

I have had an account with Synchrony Bank since XXXX. Made my payments on time, paid almost XXXX in XXXX, leaving like a XXXX or XXXX balance. When I did that they dropped my credit amount to XXXX. I even disputed the credit amount in writing but it was denied. I ended up paying it down to XXXX about XXXX to 4 months ago, then paid it off. Now they have closed my account. I have an appointment XX/XX/XXXX with my dentist to get some work done, was going to use the card to do this because its a little expensive. Also, my credit score dropped XXXX points with XXXX due to this account being closed. I am currently trying to build my credit so we can purchase a house. This has definitely took that chance away at no fault of my own. I feel like I have been singled out, there are millions of people with these cards, as soon as I paid it down to XXXX they lowered my credit amount to that. Then when I paid it off it wasnt no time after that they closed my account. I dont have any revolving accounts, my house was sold and that loan is paid off, my payment history is 100 % with my credit cards, and actually my credit score was XXXX when they closed my account, now its XXXX. Like I said, I was singled out for no reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote a letter about false information on my credit report and more than 45 days later I still havent heard anything back. I think my complaint is being disregarded and that I am being victimized. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations. within 30 days is cause for immediate removal of all those allegations from my credit report. Given that it has been more than 60 days, they should probably be deleted. I demand that this account be terminated right away or else I pursue you for the anguish you put all my life. The TransUnion Data breach exposed my information well as, and is feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 1 ( e ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a consumer.
Product: Payday loan, title loan, or personal loan

Paypal Credit lets you open a credit line with Synchrony to use on Paypal.

I have several deferred interest charges and they never automatically apply overpayments to deferred interest balances. The only way to do it is to call them and ask them to reallocate it and if you forgot or dont ask, then it wont be done.
Product: Debt collection

Around XX/XX/2015 my contract ended with XXXX XXXX. I was wrongfully charged reconnection fees for 5 devices and early termination fees. I disputed the amount with XXXX and they sold the account to XXXX XXXX. XXXX XXXX claims they are a XXXX party who purchased the XXXX account but never sent a copy of the contract to validate the debt with my wet ink or digital signature from XXXX XXXX. I only received an incorrect invoice which I repeatedly disputed. Over the years XXXX XXXX has changed the dates of when the account was opened which is illegal to try and keep the debt newer than it actually is. This debt is over 8 years old and I was just contacted by True Accord. They are still trying to collect on and outdated and incorrect balance. I disputed the information with True Accord and asked them to cease and desist contacting me. Meanwhile I warned them that I was going to file a complaint which is why I'm here today.
Product: Checking or savings account

My account was terminated by TD bank. While this was disappointing, they have not returned to me the funds from my checking account yet. After noticing I lost access to the online portal last month, I called them to inquire about this. They gave me no reason for the account closure and then mentioned they would send a check with my account balance. I have not received this check at all.
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. 
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 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 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: Vehicle loan or lease

I have not driven a car in XXXX months due to the unfortunate situation in life I was denied a vehicle loan from my bank XXXX. I have XXXX kids and I have a job so daily they need to go to school and I need to go to work, its a struggle. I asked for a used vehicle loan XXXX months ago to be honest I hate do not know why I was denied. If I can get any help if possible I would greatly appreciate it thank you!!!!
Product: Bank account or service

The representatives of XXXX went to Wells Fargo Bank in XXXX, GA, on Wednesday on XX/XX/2017, and submitted documents on a promissory note. All representatives of XXXX sat in an office as we presented documents in order to process said documents. The intent of visit was clearly stated. Calls were made to confirm if the papers submitted were in process there was one document that needed to be changed and we retrieved the needed document. The Personal Banker said that, " It 's a go '' indicating we were ready to exchange on the promissory note. 
Then representatives of XXXX came in on Friday, XX/XX/2017, He attempted to open a business and savings account, which we did not request and, avoiding the very reason we came into the branch, which was to exchange legal tender ( promissory note ). We explained our intent and he then referred us to another Banking institution of Wells Fargo to speak with someone who dealt with our particular financial needs. We then, met with the Personal Banker 's, referal and then he explained that they do honor promissory notes as legal tender, negotiable instruments. He said we ca n't use our promissory note but Wells Fargo creates their own promissory note. We were then directed to corporate at Wells fargo. Several other calls were made to the corporate offices in California, one in XXXX and the other in XXXX XXXX, in attempts to exercise our rights regarding the promissory note according to the UCC law which is under the Federal Reserves and Maritime Law. [ Admiralty law or maritime law is a distinct body of law that governs maritime questions and offenses. It is a body of both domestic law governing maritime activities, and private international law governing the relationships between private entities that operate vessels on the oceans ]. There were 2 of the 3 callers that were very rude and unprofessional and absolutely hateful and mean, when asked questions regarding their position and if we could speak to someone else in a higher position. We got blown off and talked to as brutes, just overall violated our constitutional and civil rights and turned away without the anticipated services rendered that are due us. The corporate office representatives told us they do n't do promissory notes but two branch manager told us they do them and have done them. We have an actual recording of the conversation with one of the managers telling us that he has done several promissory notes and that Wells Fargo create their own ( PN ) on a certain type of paper. While on the phone with the corporate office representative of Wells Fargo, a call was made to the person we spoke to and we were informed by the corporate office representative, that the manager at the bank said he did n't tell us they do promissory note, it was a misunderstanding.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a payment to Franklin Collections XXXX on XX/XX/2020 of a settled balance of {$430.00}. They marked it paid in full, but never closed the account and deleted it like it should have been. This is still hurting my credit tremendously, and I wish for it to be removed since I settled the debt with them.
Product: Debt collection

I am requesting validation from portfolio recovery associates LLC, competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them, and I received a Fake print out from them. 
The FTC has issued an opinion letter on this subject and concludes that an itemized printout does not represent verification. 

Also, add a fake " mini-Miranda check the letter attached to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received a new copy of my consumer report and it showed a credit inquiries that I have disputed and been Disputing since XX/XX/XXXX. I have provide Equifax with a copy of a FTC report and a letter from my bank that placed this inquiry on my consumer file and in the letter it stated that they send over a request on XX/XX/XXXX to have this delete from my personal credit file. I called Equifax today and asked why is it still reporting when the bank has requested that it be removed and I have provided them with a FTC report. The supervisor stated that it was one thing that she see that she could not disclose over the phone in my consumer file and in order to get this inquiry remove I would need to send another FTC report in with more detail about this inquiry. Correct me if I am wrong why would I need to do that when the Bank had already send them a request almost a month ago to have it deleted. I feel Equifax is trying to bully me and refuse to remove a inquiry that I did not authorized. Please help I have a previous open complaint that has an attachment from the Bank stated that they have put in a request on XX/XX/XXXX the previous cases are XXXX and XXXX. Per these letters Equifax has refuse to delete.
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
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 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 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

This adress never been use by me
Product: Credit card or prepaid card

Carnival Cruise Lines sent an email offering a promotion for {$200.00} on board credit for using our Barclay Card ( promotes Carnival directly ) if we book the trip before XX/XX/XXXX. It had a special code. We used that code. As of today, Carnival switched the code in their system to block us from getting the onboard credit. They then told us this was a Barclay card promotion. Barclay said they never promoted it. 
REGARDLESS, we asked SEVERAL times to file a dispute for the charge on the credit card because it was false advertising. ( If you have onboard credit and you don't use it, that amount get 's credited back to your credit card. We've used it that way several times before in the past ). So basically it puts us at a {$200.00} over payment. 
Barclay card REFUSED to allow us to file a dispute! WE were on the phone for hours speaking to several people. That person 's name was, XXXX and her ID was XXXX. Whether or not that is her real number I don't know. 
Documented phone call was today XX/XX/2020 XXXX XXXX. We had to speak to SEVERAL employees! 
SO the code we entered was XXXX. The carnival representative said the code she saw was XXXX. Then she sends us a screen shot of her computer that has a DIFFERENT code. Someone perhaps their software developer switched the code for the booking to prevent us from getting the onboard credit. It's bait and switch.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do an investigation of everything on my credit report and they did The investigation and stated everything on the report was accurate I also did an thorough investigation myself and found Improper in accuracies Even after they did their report In coordinates with the fair credit report acting XXXX account XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A States I have a right to privacy 15 U.S.C 1681 section 604 A section 2 States also state a customer consumer agency can not furnish A report without my written Instructions
Product: Mortgage

In 2015, I was approved to purchase a house. I never made this purchase. In XXXX of 2015, I decided to contact my current mortgage holder in regards to refinancing. I spoke with XXXX of Nationstar mtg. I was told it would n't be a problem and passed along to the closing coordinator XXXX XXXX XXXX XXXX. A couple weeks later I was contacted by the closing coordinator and told that we would be closing at the end of the month. I then asked the closing coordinator if I needed to continue making my mortgage payment, and she stated that there was no need to continue making payments and depending on exactly what day we closed I could possibly have two to three months before the first mortgage payment would be due on the new loan. I was eventually contacted by XXXX and asked why have I not made my mortgage payment. I explained to her the conversation that I had with XXXX XXXX, to which XXXX responded that this would probably keep me from getting the loan and that XXXX XXXX must be new and did not know any better. Since that conversation I have tried contacting XXXX XXXX and XXXX XXXX and I can not get them to answer the phone and they will not call me back. Now I have tried to get reapproved to purchase another house and I can not get approved due to the current late payments on my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate information that has been reported on my credit report. I have reviewed my credit reports from TransUnion, XXXX, and XXXX, and I have found several discrepancies that I believe violate the Fair Credit Reporting Act ( FCRA ) and should be addressed by the credit bureaus. 

Account Information : The accounts are reported as being closed by TransUnion and XXXX, but XXXX reports them as open. This inconsistency in the account status makes the information inaccurate and incomplete. 

The status of the accounts is reported as Collection/Chargeoff on TransUnion and XXXX, and as Late 120 Days on XXXX. The status should be consistent across all three reports. 

Discrepancy in Dates of Last Activity : TransUnion shows the last activity date as XX/XX/year>, while XXXX reports XX/XX/year>, and XXXX lists it as XX/XX/year>. These conflicting dates show that the information is not being accurately reported. 

Failure to Reflect Dispute Status : XXXX and XXXX correctly mark the accounts as disputed by the consumer, but TransUnion does not reflect this dispute status. This violates my rights under the FCRA, which mandates that disputed information be clearly marked as such. 
Requested Resolution : I have made several attempts to dispute these discrepancies, but the accounts remain on my credit report with conflicting information. As a result, I am requesting that these accounts be completely deleted from my credit report. I am not requesting updates or corrections to the information ; I believe the accounts are inherently inaccurate and should be removed entirely. 

Actions Taken : I have reviewed my credit reports and confirmed the discrepancies. 
I have initiated a dispute process with the credit bureaus ; however, the issues remain unresolved. 
I am now seeking your assistance to resolve the matter by removing the inaccurate accounts from my credit report. 
Please investigate these discrepancies and remove the accounts from my credit report, as they are not accurate and can not be verified in accordance with the FCRA.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 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 an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a consumer credit account under an open end consumer credit plan as late for any purpose.