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

IXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These above companies have violated my privacy rights. as well as reported inaccuracies ' on my report. according to these laws.

15 U S C 1681 section 604 A states a consumer reporting agency can not furnish a account without my written instructions.

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

15 U.S.C. 1681 S-2 ( A ) ( 1 ) A. a person shall not furnish any information relating to a consumer or any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. This inaccurate information is preventing me from obtaining a home for me and my family.
Product: Debt collection

nelson cruz and associates claims i owe them money I BETTER pay they told me! i told them im gon na n a fixed income and cant pay a debt i dont know about and he said i better get a friend or family member to pay the debt! 
i told them i had no clue what this account was i ask for documentation or proof of the account and i never got it. i ask for it to be removed from my credit and was assured it would be and its been 8 months and its still on my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

It came to my attention that my file has been merged with my fathers file which is clearly erroneous. 
I took the liberty of writing to this company on XX/XX/XXXX, with  clear instruction differentiating my fathers data with mine. 
our personal info detail differs from one another. 
My fathers name : XXXX XXXX XXXX, My fathers Social security number : XXXX XXXX XXXX, My fathers date of Birth : XX/XX/XXXX. 
This is my information : My names are : XXXX XXXX XXXX XXXX, My social Security number : XXXX, My Date of Birth : XX/XX/XXXX. 
Unfortunately, with all my detailed differences, this company still went ahead and kept reporting both our data merged until now. Yet again the following accounts are not mine and I need removed asap : XXXX XXXX XXXX, CA XXXX This is not my address, please delete XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX- Not mine, please delete XXXX XXXX XXXX XXXX XXXX , CA XXXX Not mine, please delete XXXX   XXXX # XXXX Status Updated XX/XX/XXXX Not mine please delete XXXX XXXX # XXXX Status Updated XX/XX/XXXX Not mine please delete XXXX XXXX XXXX XXXX XXXX XXXX I dont recognize what this is, please delete asap XXXX XXXX XXXX # XXXX I have no knowledge of this account please delete I am looking at taking legal action if my data is not separated from my data. 
Attached here with is the first dispute I sent to this company.
Product: Credit card or prepaid card

Synchrony Bank placed a false purchase on my credit account in order to offset an error they made. Specifically, I sent a payment in to Synchrony in the amount of {$1200.00} to pay off one account I had with them. They mistakenly applied it to a different account ( the account ending in XXXX, which is the subject account of this complaint ). When I informed them of this they agreed to remove the payment from the mistaken account and apply it to the correct account. n order to do so, for some unknown reason, Synchrony applied a false purchase to the mistaken account in the amount of {$1200.00} in order to remove the mistaken payment. They did then apply the payment to the correct account. What then happened was that the " purchase '' resulted in a temporary increase in my balance, which, in turn, resulted in a higher monthly minimum payment in the amount of {$190.00}, instead of the usual {$150.00} payment. When I spoke with Synchrony, they stated they would fix this problem, and that I would only be responsible for the correct minimum monthly payment of {$150.00}. I even received an email from Synchrony stating this. However, when I received this month 's bill, that bill stated that due to my having paid only {$150.00} of the {$190.00} minimum due, my account was considered to be {$35.00} overdue and that that amount of the payment was considered late. When I spoke to them again, they said the would agree to remove the late fee, but that I would still be responsible for a higher monthly payment of {$200.00}. They also claim they will fix this, but I have no documentation from them of this matter. I have wasted nearly 2 hours on the phone with Synchrony 's offshore customer service folks. Here is a summary of their errors that I consider to be a significant problem : 1 ) applied a false charge to my account without my knowledge or authorization. 2 ) stated they had adjusted my monthly minimum payment back to {$150.00}, which was not true, as the following month 's statement contained a higher minimum payment as well as a late fee ( I have not received any assurance that this matter has been corrected ).
Product: Mortgage

Switching Servicer ( s ) ( Ocwen to PHH to XXXX ) during a loan modification : 1 ).  Original complete loan modification application was submitted, received, and acknowledged by Ocwen ( see attachment ), 2 ). Switch ; Ocwen to PHH on or about XX/XX/2019, 3 ) Switch ; PHH to XXXX on or about XX/XX/2019 ... 3 servicers switches during the last 6 months. This " switching '' caused NO SINGLE POINT of contact as provided by California Civil Code Section 2923.7. During this " process '' repeated phone calls, messages, long phone waiting times, dropped calls, being " transferred '' to other customer service reps and/or escalation managers ... I did NOT have a single point of contact and/or a decision maker made available to be by Ocwen or PHH or XXXX. In fact my only source of updates as to my foreclosure status was directly with XXXX XXXX as evidenced by the attached XXXX XXXX customer service reps emails. 

Dual Tracking - Foreclosure Ban : Ocwen, PHH and XXXX have continually and willfully violated California Civil Code Section ( s ) 2923.6, 2924.11 & 2924.18, the prohibition of " dual tracking '' contained in the Homeowners Bill of Rights ( HIBOR ) when they ( Ocwen, PHH XXXX XXXX XXXX conducted a scheduled foreclosure ( Trustee 's Sale ) of my home. 

I DID NOT receive any written loan modification decision from Ocwen or PHH or XXXX. The XXXX letter dated XX/XX/2019 ( see attached copy thereof ) was the FIRST mention of a Trial Period Plan that I was made aware of. As such, I did not have my legal rights to review said loan modification ( 14 days ) and/or appeal said loan modification decision ( 30 days ). Moreover, I was informed by XXXX XXXX " trustee sale date was cancelled with no current sale scheduled '' and by said XXXX letter " As of the date of this letter .... there is no foreclosure sale scheduled. '' Clearly, deceptive business practices as a Trustee sale notice was recorded on XX/XX/2019 ( see attached copy ). " Rest assured, we are here to assist you with any questions or concerns you may have " ( XXXX letter dated XX/XX/2019 ) is a false statement. 

Verification of right to foreclose - I have not yet been provided with requested written verification from XXXX pursuant to California Civil Code Section 2924 ( a ) of legal rights to foreclose against my home. 

Robo-signing banned - Pursuant to California Civil Code Section 2925.17, I have NOT yet received requested written verification of the accuracy of said foreclosure documents. 

My legal rights under Federal and HIBOR laws have been continually violated in plain sight by XXXX with no remorse or accountability.
Product: Payday loan, title loan, or personal loan

I got that loan more than 5 years ago had it paid off refinance then they never took the money that I paid off of my balance so I stopped paying. Then today XX/XX/2020 I received a text saying my payment didn't go through which I never authorized the payment. I called the phone number and ask him to stop calling me. they called me back and told me they were from Ace check cashing and that I was going to go to jail if I didn't make a payment.
Product: Credit reporting or other personal consumer reports

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding fraudulent items was submitted on XX/XX/year>, and I have not yet received a response. ''
Product: Student loan

Credit monitoring reported having an increase in student loan by {$1300.00}. Causing my credit score to drop. When contacted the company to find out why my loan balance was up by over {$1000.00}. No explanation given. I owed {$7000.00} and now owe over {$8000.00}. When checked the details of loan. No increase shown in my loans or higher percentage but yet my loan is more. Ive never missed a payment and have paid every month for over 9yrs. No reason why I would have extra amount on my loan.
Product: Credit reporting or other personal consumer reports

I have called and submitted several requests to see my credit report on their website. The representatives have said that they were escalating my issue, but no supervisor has called me back after months. They acknowledged seeing my prior calls and have been surprised I have not been contacted in all this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my 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
Product: Credit reporting or other personal consumer reports

I was completely shocked to find inaccurate accounts on my credit report this morning, with no idea how they appeared. I regularly monitor my credit report, and this time I was stunned by the sudden discrepancies. I tried refreshing my browser, hoping it was a simple glitch, but nothing changed. This has left me feeling incredibly anxious, and I am pleading for a thorough review of the documents Ive provided so I can put an end to this nightmare.
Product: Checking or savings account

I closed and transferred my XXXX XXXX account to Capital One 's checking account. All of my funds are now in the hands of Capital One and they will not let me access my funds. This is causing serious problems for me and they have yet to resolve my issue. I've called multiple times and I keep getting transferred to a security desk where I'm only allowed to leave a voicemail. Nobody has even made an attempt to call me back. This needs to be resolved. I feel like Capital One has stolen my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Chase bank allowed the fraudster to open an account using my information without asking for any verifications or documentation. Chase bank also told me its just as easy to open a line of credit as long as you have someones social. I contacted the XXXX act line and they referred me to make a complaint here as well. I figured opening an account would require the financial institution to verify customers they are dealing with without me now having to jump through hoops to get the fraudulent acct closed. It seems to close an account I have to actually give them my info and they have to verify me but to set up account I need no verification documentation.
Product: Checking or savings account

On XX/XX/year>, I deposited two checks that I had received from the XXXX XXXX XXXX into my Classic Checking Account via USAA 's Mobile App. When I opened the account, I had to sign a Depository Agreement. Prior to making the deposit, I researched when the funds would be available for use after making a deposit. That research showed that the funds should have been available the next business day. I needed access to these funds in order to pay my rent. One of these checks was late wife 's last XXXX XXXX Check and the other was a reimbursement for the cost of cremation for my wife. So, with the understanding that the funds would be available to me on the XXXX, I made the deposits. Immediately, USAA put a nine day hold on the funds. I contacted USAA through their website 's chat line and chatted with someone who identified herself as XXXX. According to XXXX, all checks deposited into an account less then 30 days old are automatically placed on hold. This was not in compliance with the Depository Agreement that I signed. XXXX did say that I could contact USAA again on the XXXX, and maybe they will remove the hold. On the XXXX, I contacted USAA again through the chat line. This time I chatted with XXXX. XXXX told me that the system would not allow him to remove the hold and referred me back to the Depository Agreement. I reread the Depository Agreement, this time focusing of the sections titled Special Rules for New Accounts. This section clearly states that Federal Government checks are not subject to a hold. So, I reached out to USAA through XXXX. I sent them a message cut and pasting the section of the Depository Agreement that shows that Federal Government checks are not subject to a hold. I got a response from someone named XXXX. Later that day, I got a call from someone ( I did not catch his name ) asking if I had any questions about my complaint. I reiterated what the agreement states. He claimed that was not the case. Around XXXX that afternoon, I got an email from some named XXXX from USAA. That email stated that she worked with USAA 's CEO, and that she would contact me soon. That contact has never happened. I tried calling XXXX directly on the XXXX, but the call was not returned. I also sent the CEO of USAA, but there has been no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account name : XXXX  XXXX Account number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

On XX/XX/2018, I have asked Experian, XXXX and XXXX verification and validation of a Negative Public Record : XXXX XXXX XXXX NJ XXXX. 
I have explained my name XXXX XXXX XXXX is a very common name and we have over sixty XXXX XXXX just in NJ and 89 In NY. The Bankruptcy has been mixed up with someone else. I have sent letters and disputed this negative report on line with no success. This negative information is affecting me financially and emotionally. I have found several innacuracies on my report, however, this is the most damaging of all.
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 recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous time and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds impossible and tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but also has 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 consumers safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax I have a monitoring service and can't access my credit file. I was asked several times to send in documents verifying my identity and I have done so several times. I have spoken to several depts at least 3-4 times a week for the last XXXX XXXX  weeks about my file and all I get is the runaround. I asked to be credited for the product I am paying for and they won't grant the credit. I am frustrated by Equifax 's bad customer service and poor practices along with refusing to remove incorrect and erroneous information on my file which can have been verified in the form of an investigation demanded by me from the original creditors. If these matters are not remedied within the next 5 days I will prepare to take legal action against Equifax and the original creditors.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, i did an investigation on my credit report which caused XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure
Product: Credit card or prepaid card

I called Comenity Bank on XX/XX/XXXX and requested a full payoff amount. I told them that I wanted to pay off the balance in full. I was given the amount of {$500.00}, which I paid, on that date, in full. Two days later, I was charged a fianc charge of {$12.00}. I had zero knowledge of this, had no idea I would be charged this charge, as in the past, if its paid in full on the due date, no interest is charged. The customer service person that gave me the payoff amount never mentioned this. My paperless statement went into my spam folder and I didnt even look for it because it was paid and I never had this card, expect this time in XXXX of XXXX. 
I was then charged a late fee on XX/XX/XXXX, of {$12.00}, because of the {$12.00} finance charge. I was then charged a minimum interest fee of {$2.00} on XX/XX/XXXX. I was then charged a late fee of {$26.00} on XX/XX/XXXX and a {$2.00} minimum interest fee on XX/XX/XXXX. 
I happened to look in my spam folder for a tax document on Friday, XX/XX/XXXX and came across an email that stated I was delinquent! I was shocked! And immediately emailed two messages to the dispute department. I suddenly was bombarded with phone calls from Comenity and no one would pick up. Finally today, XX/XX/XXXX, I got someone to answer and they sent me to someone that I was able to actually speak with. She tried to waive the one late fee and said I had to pay the remainder!!! I explained that I would pay {$12.00} from XX/XX/XXXX and that is it. She wouldnt do that and closed my card out. 
Now I dont know where I stand! Am I going to be reported to the credit bureau for account delinquency? This is a ridiculous amount of money that they are trying to make me pay, all for just having paid my card off in full! Per their customer service people! It appears they are trying to make as much money as they can by doing this and I think it is plain and simple theft! This is why I am reporting them! They need to stop this corrupt behavior. I want my account at a zero balance and I will never do business with this company, ever again.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against LVNV Funding LLC regarding account XXXX. LVNV Funding purchased this debt from an original creditor that is not registered in Texas, and their right to conduct business has been forfeited. This raises serious questions about the legitimacy of the debt. I have notified this collection agency numerous times that I do not have an obligation with the original creditor listed on my credit report. LVNV Funding is falsifying information and harassing me as a consumer. The date last active is different for each credit reporting agency and has been re-aged. This account is also reporting payment history which is impermissible on a collection account. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to protection against such practices. I demand that all collection efforts cease and that this account be removed from my credit report. I am maintaining a paper trail of all correspondence related to this matter. I urge LVNV Funding to reference XXXX XXXX XXXX, XXXX, where the court held the collection agency accountable for failing to verify accurate information.
Product: Checking or savings account

On XX/XX/XXXX I initiated a {$2300.00} transfer from my XXXX checking account to my HSBC checking account. On XX/XX/XXXX, unbeknownst to me, HSBC unilaterally closed all of my accounts. XXXX attempted a reversal of the {$2300.00} on XXXX, which HSBC rejected. The money was never sent to me by HSBC nor was it credited back to my XXXX account. It is now XXXX. They are telling me that they do not have my money - tough luck. XXXX tells me they have the evidence that the money was not sent back. HSBC is being very wishy-washy.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  account XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Department of educationXXXX XXXX XXXX XXXX. XXXX 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.