23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I started repaying my Citi Assist Student Loans starting in early XXXX. In XX/XX/XXXX, my husband and I filed for Chapter XXXX bankruptcy to deal with the large amount of credit card debt we had and get us better prepared to handle repaying all of my student loans - approximately {$120000.00} in federal and private loans. Once our bankruptcy was filed, Citibank indicated on my credit report that the loans were in default. During the 5 years of repayment, I didn't see a problem with this since the bankruptcy protected us from debt collection and being charged late fees. The bankruptcy was discharged XX/XX/XXXX and I have been trying to get in touch with them for the better part of 2 months in an effort to get the payments restarted and try to get the default status removed. In the last 2 months, I have only been able to speak to 2 customer service representatives - both representatives informed me that the default status will not be removed from my credit report until the loans have been paid in full. I was also advised that they could not give me any payment information ( due date or payment amount ) until the loan was " sold '' and they could not tell me who the loan would be sold to. I am also not " allowed '' to have online account access to make payments online or see account balances. Even though I was able to reach someone on 2 separate occasions, I am not able to reach anyone most of the time. The phone number ( XXXX ) goes straight to a voicemail and no one has ever returned my call.
Product: Bank account or service

I visited my bank on XX/XX/XXXX16 for the purpose of withdrawing {$1300.00} from my savings account. After the teller counted the cash, I requested an envelope. He gave me the change from this transaction, but not the envelope with the cash. I was not aware of this until I left the bank. I returned to the bank within 5 minutes, but the teller claimed he gave me the cash. Bank employees checked my purse as well as my car.This envelope with cash could n't just disappear into thin air. The bank in question does have a Resolution team, but since this is 'in house ' I feel they could be biased. Also, an entity within the bank has viewed the video from this transaction and can only tell me the video is inconclusive. I do n't understand this. If they can not show me that the teller handed me the cash, I would think the bank findings would be in my favor. I have filed a police report as I feel a theft occurred and the bank is not allowing the police department to view the video as of the date of this writing. 
The bank is not being transparent or forthcoming with information.I believe you to be the only agency that can assist me with resolving this issue. I also want to note that this bank has no video cameras outside their front door, so no determination can be made as to what happened when I exited the bank. I think, overall, the bank 's lack of security regarding cameras is appalling.The bank in question is Wells Fargo, located XXXX XXXX XXXX XXXX, XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a a old joint with my ex husband account with XXXX XXXX  XXXX XXXX a car loan that was paid and is still on my credit report I have reported this issue several times the account is past the 7 years the account was opened in XXXX and first reported in XX/XX/XXXX, Loan amount XXXX
Product: Credit card

I applied for a private label credit card in store ( XXXX-XXXX XXXX, CA ) funded through Synchrony Financial ( formerly GE ). I received a promotional APR of 0 % for 6 months. The transaction was made on XXXX XXXX in order to take advantage of the XXXX XXXX special offers. Eleven Days later, on XXXX XXXX, I received my card in the mail ... along with a bill. I immediately called Synchrony Financial to find out where the mistake had been made. Here in lies the Regulation Z violation. My payment is scheduled for XXXX XXXX which allows me ONLY 14 days to look over the bill as opposed to the mandatory 21 days allotted in the verbiage of Regulation Z : ( ( 1 ) Periodic statements are mailed or delivered at least 21 days prior to the payment due date disclosed on the statement pursuant to 226.7 ( b ) ( 11 ) ( i ) ( A ) ). I have contacted Synchrony Financial and spoken to their legal department. They were unapologetic and would not work with me to remedy their blatant error. Which financial institution would set a payment due date for a new customer a mere 23 days after the initial opening of the account? Logically speaking this is a terrible business practice and Synchrony Financial needs to overhaul their business rules. Please help me hold Synchrony Financial accountable to the laws and regulations surrounding the legal collection of consumer debt.
Product: Credit reporting or other personal consumer reports

I checked my consumer report and I found out that XXXX XXXX XXXX XXXX whose address is XXXX XXXX XXXX XXXX XXXX. XXXX, TX XXXX and phone number ( XXXX ) XXXX, is listed as a debt collector and is committing adverse action by reporting inaccurate, unauthorized information in my consumer report ; I never contract with them, and I did not provide written, not written, implied nor expressed consent, permission or instructions to them to make them assume that I wanted to contract with them in any way ; furthermore, I never provided my personal identifiable information to the above mentioned company to implied that I wanted to do any type of business with them, however, they are harming my name and reputation by reporting a collection on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax XXXX XXXXXXXX XXXX XXXXXX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : 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

I am submitting this complaint in response to the recent investigation done by the Credit Bureaus. I do not agree with their findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditors that are reporting this information on my report and because of this I am now asking the Credit Bureaus for more information regarding these particular items in question : DEPTEDXXXX XXXX Balance : {$1200.00} DEPTEDXXXX XXXX Balance : {$1200.00} DEPTEDXXXX  XXXX Balance : {$1900.00} DEPTEDXXXX XXXXXXXX Balance : {$1200.00} DEPTEDXXXX XXXXXXXX Balance : {$1900.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$470.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$110.00}. Again as previously stated under provisions of the Fair Credit Reporting Act 15 U.S.C. Section 1681i, please reinvestigate and update or remove these disputed items. Please forward me the name and addresses of persons contacted. Fifteen ( 15 ) days from receipt of this letter is the length of time the Bureaus are allowed under 15 U.S.C. Section 1681i ( 5 ) ( A ) to complete these actions unless they notify me otherwise. It should be understood that failure to verify within this time constitutes non-verification, and the items must be promptly updated or deleted according to Section 1681i ( a ).
Product: Debt collection

I do not know who this collection agency is, As i have not never been in an agreement to work, then could you please provide me evidence stating that i have sign any sort of an agreement with this company.
Product: Mortgage

Payments for my mortg age to Zions National bank were consistently paid and NEVER LATE. I fell behind in my taxes and asked Zions National bank to impound my taxes with my mortgage payments and they refused to do so. Zions National bank continued to accept my mortgage payments which I increased from {$4900.00} to {$6100.00} to cover the rearages of my taxes. Zions National Bank accepted my payments and then foreclosed any way and violated their contractual obligations to render payments to the taxing authorities and did not act in Good Faith.Zions National Bank admitted that they took the additional monthly sum for the past 15 months and applied it towa rds the principal to buy down the mortgage, rather than apply these amounts to my taxes..I hired  XXXX   XXXX , attorney and they foreclosed even though they kept accepting my increased payment of {$6100.00} and stated the foreclosure would be suspended I also contacted  XXXX   XXXX ,  the District Repr esentative for Congressman  XXXX   XXXX   XXXX  an d asked for their help.
Product: Credit reporting or other personal consumer reports

FXXXX XXXX XXXX Opened XX/XX/XXXX XXXX XXXX XXXX Opened XX/XX/XXXX XXXX Opened XX/XX/XXXX XXXX Opened XX/XX/XXXX As per the Fair Credit Reporting Act, 15 USC 1681 section 602 ( a ), it is imperative to ensure that consumer reporting agencies discharge their significant responsibilities with equitability, impartiality, and due regard for the consumers right to privacy. Equifax, XXXX, and XXXX are recognized as consumer reporting agencies, and I, in turn, am the Consumer. I hold the prerogative to safeguard my private information, a right reinforced by 15 USC 6801, which stipulates that Congress deems it a policy for financial institutions to proactively uphold customer privacy and safeguard the security and confidentiality of their nonpublic personal information.

As defined within that statute, a 'Furnisher of information to credit agencies ' indeed qualifies as a financial institution. Section 604 ( a ) ( 2 ) of 15 USC 1681 delineates that, with exceptions noted in subsection ( c ), a consumer reporting agency may furnish a consumer report exclusively upon receipt of written instructions from the concerned consumer. Both the 'Furnisher of information to credit agencies ' and the consumer reporting agencies Equifax XXXX XXXX XXXX and XXXX lack my authorization to provide this information, and certainly do not possess my written consent. 

Furthermore, in accordance with 15 USC 6802 ( b ) ( c ), a financial institution is prohibited from disclosing nonpublic personal information to a nonaffiliated third party unless the consumer is informed of their right to exercise a nondisclosure option. The 'Furnisher of information to credit agencies ' never informed me of this right. Additionally, 15 USC 1681C ( a ) ( 5 ) explicitly states that no consumer reporting agency may include certain adverse information in a consumer report, unless authorized under subsection ( b ), and such information can not extend beyond a seven-year timeframe. The inclusion of this account as an adverse item without my consent is a violation of the law.

Moreover, in accordance with 15 U.S. Code 1681s2 ( a ) ( 1 ), it is prohibited to furnish any information regarding a consumer to a consumer reporting agency if there is knowledge or reasonable cause to believe that the information is inaccurate. Additionally, 15 U.S. Code 1681e mandates that every consumer reporting agency must establish reasonable procedures to prevent breaches of section 1681c and restrict the provision of consumer reports to purposes listed under section 1681b. 

Regrettably, Equifax, XXXX, and XXXX are not adhering to these reasonable procedures. Lastly, in line with 12 CFR 1016.7, a consumer retains the right to opt out of reporting services at any given time. I hereby exercise this right and opt out of your reporting services.
Product: Credit reporting or other personal consumer reports

recently checking my credit report i notice ive been a victim of identity theft and found numerous inquiries closed accounts that i have no knowledge of here are the inquiries and closed accounts that ive found closed account
Product: Debt collection

I sent you guys a dispute letter on XX/XX/2022 and haven't heard anything back. You guys are reporting inaccurate information to my credit report, don't you have 30 days to respond.
Product: Checking or savings account

On XX/XX/XXXX we discovered a {$22000.00} check had been cashed by our bank, Chase in XXXX, CA We went to the bank and found out that a woman in Michigan had ordered checks XXXX billed to our account ) with her name and information but our account number. She then wrote herself a {$22000.00} check and deposited it. There was a 3 day hold because of the amount but it was cashed. We were informed that banks no Longer verify account holders names or signatures. Weve filed a police report, filled out paperwork, talked to the bank and fraud department and are getting no where. Weve faxed the things they ask and they say theyve received it and then they say they havent. Twice weve been told it will be 3-5 days to be resolved only to be told today another set of paperwork needs to be filled out and it will be at least 15 days after they receive it before it can be resolved. We had no part in this scam. Were seniors living on a fixed income and we need our money back to pay bills. We need help {$22000.00} is a lot of money
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple issues regarding Equifax and am filing a complaint to resolve these issues. I have consistently contacted Equifax because I have been unable to access my account at my.equifax.com to receive my required by law credit report. I have also not been able to receive my credit report from annualfreecreditreport.com for my Equifax report. I have no issue receiving my report for the other credit reporting agencies XXXX  and XXXX. In addition, I have escalated this issue many times with many representatives over the past 3 months that have all failed to give me access. I have also faxed in my identity verification information to include my passport, social security card and current bank statement with my current mailing address. At the same time as me faxing my identity verification I sent a dispute for a fraudulent account on my credit file along with my FTC identity theft report asking for this information to be blocked on my credit file within 4 business days pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. I have a confirmation of the fax being received over 4 business days and yet the dispute has still not been initiated by Equifax. Equifax has consistently violated the Fair Credit Reporting Act and this should not be tolerated. I was also part of the data breach from Equifax and the item on my account that is fraudulent is most likely caused from that breach. I find it odd that the company that I'm filing a dispute with for a fraudulent charge on my credit file is the very same person that caused it and also placed it on my credit file. I also find it criminal that Equifax had the nerve to tell me that they could possible escalate this issue further to help me better if I was a paid Equifax Complete Premier member. So Equifax, the company that had a breach of my information and then placed the fraudulent data on my credit file is now trying to profit financially to help me better in my attempts to remove it.
Product: Credit card or prepaid card

I have been trying to access my online account with Comenity Bank for the past 3 weeks and I have no way to access my account. I've tried to log in every single day for the past 3 weeks and nothing!!!!!! I have tried to call the number on the back of my card it just tells me to call back later and disconnects my call. There is no option to speak to a live agent! when I do log in online it is telling me my account has been closed. This is ridiculous!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing with the bureaus since XX/XX/XXXX, some inquiries that I never approved of, and obviously did not obtain credit for as well as a collection that has been paid for YEARS. The bureaus did not delete the inquiries, nor did they respond within the XXXX timeframe that they are supposed to respond in. On XX/XX/XXXX I attempted to dispute again with the bureaus and sent another letter to each of them, demanding they delete the inquiries that I did not authorize. It is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2021 my account and cash app and services have all been hacked! Everything this is happened to me in the past Ive been trying to get my credit scores and accounts taken care of and again this happened to me!!! I need help bad please
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding zelle 's handling of disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglect to protect consumers but have 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 consumers safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to lexisnexis on XX/XX/XXXX to inform them that I had an investigation in process with XXXX disputing a chapter XXXX bankruptcy dismissal and the results came back verified through Lexisnexis. Informing Lexisnexis of the investigation and the out come ending in a verified accurate status they stated that they would contact XXXX to remove and delete the bankruptcy because it was deleted in their records. I spoke with Lexisnexis rep on phone explaining that XXXX claimed they completed an investigation also they claimed Lexisnexis was the furnisher of informatiom who verified the data. Prior towards XXXX starting their investigation I received a letter on XX/XX/XXXX stating the bankruptcy in your records was removed. How was XXXX able to verify this information after it was deleted in Lexisnexis data 4 months prior of XXXX  starting their investigation on XX/XX/XXXX while claiming the investigation was completed and verified by Lexisnexis by on XX/XX/XXXX. I would like to know if XXXX contacted Lexisnexis and did their due diligence to confirm the accuracy or did they just recklessly violate my rights without an investigation. On XX/XX/XXXX I also spoke to XXXX rep explaining that I just got off the phone with Lexisnexis stating they would contact XXXX to remove and delete the bankruptcy. On XX/XX/XXXX I spoke with XXXX rep and during our call he stated if Lexisnexis confirms it's not in their records they would remove and delete it. I am Holding Lexisnexis accountable to contacting XXXX to verify the chapter XXXX bankruptcy was deleted from their reports and confirming they are not the furnishers of the bankruptcy data.
Product: Vehicle loan or lease

I leased this car for two years and was making the payment for a year and 4 months. Due to unseen circumstances I was unable to make my payments in XX/XX/2021 until the time of the repo in XXXX. I was struggling with XXXX XXXX XXXX XXXX  and was in a very bad place and even ended up homeless for a few weeks. I understand I defaulted on my lease and the repossession was justified. For the last 2.5 years Ive waited and waited for this to hit my credit report and I wasnt ever able to see it until I paid for another site to view it. A few months after the repo I reached out to them via phone call, asked for the final bill on what I owed. They told me they didnt have it yet and would reach back out. I never heard anything from them again and decided to call a few months later, probably about 5 months after my repossession. They told me they had fixed some issues with the car and had sold the vehicle. I havent ever received any information from that day forward. They asked if I could settle that day, and instead of the XXXX and the change offered around XXXX to settle the account which I truly just couldnt do. From there I never received any phone calls, letters, emails, not a word from the account and Im clearly adult enough to know it doesnt just go away. I havent had the car in my possession for a year and a half but theyre still reporting to credit bureaus that theyre late payments instead of a full account I have to pay in full. Im not sure if this is legal, or normal if you get a repossession on a lease. But to my understanding when I called, they would send me a bill for the remaining balance I owed to the company and not continue to report late payments instead?
Product: Credit reporting, credit repair services, or other personal consumer reports

Its not the First time, those credit report act like XXXX and dont respect the right of US citizen, they dont care and update wrong information! 

I did pay off XXXX XXXX $ With XXXX my car loan end of XX/XX/2018. 
I did sent the payoff letter to EQUIFAX XXXX XXXX as a proof. 

Like always when I contacted them to obtain the update on my report, they dont find anything. 

I send again the letter for an immediate update! Those companies need to respect the law!
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. 

XXXX : XXXX, XXXX XXXX : XXXX, XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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: Debt collection

Below are at minimum the FDCPA violations Admin Recovery , LLC has done : XXXX. Harassment or abuse [ XXXX XXXX XXXX ] - see details above regarding interaction with Admin Recovery , LLC employee XXXX. False or misleading representations [ XXXX XXXX XXXX they led my brother to believe they were an attorney. 
XXXX. Validation of debts [ XXXX XXXX XXXX ] - I have not received any written notice from Admin Recovery, LLCPlease see attached detail. They were threatening, harassing and abusive in their tactics.
Product: Debt collection

On XXXX/XXXX/2017 the company Account Control Technologies contacted me by phone at XXXX which is my local time as I presently reside in XXXX XXXX CA. This is way before the XXXX requirement and was extremely disruptive.