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

On XX/XX/XXXX my bill for account SYNCB/AMAZON PLCC ( opened XXXX XXXX, XXXX ) did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
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 name : # XXXX has violated my rights. 
Account name : # XXXX  name : # XXXX has violate my rights. 
Account name : # 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 an 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

In accordance with the fair credit act XXXX  Account number : ( XXXX XXXX XXXX XXXX XXXX  ), ( XXXX XXXX XXXX XXXX XXXX ), ( XXXX XXXX XXXX XXXX ), ( XXXX XXXX XXXX XXXX  ) and Account ( XXXX XXXX XXXX ). All of these accounts have violated my rights. 

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

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

In accordance with the Fair Credit Reporting act XXXX Account NumberXXXX XXXXXXXX XXXX Account Number XXXX XXXXXXXX XXXX  Account NumberXXXX XXXX XXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account Number XXXX XXXXXXXX XXXX Account Number XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX Account Number 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 card or prepaid card

I had a HSBC credit card which I never used and it was always in my posession. Someone made unauthorized charges. I reported them and have a letter from HSBC that they received the report on XX/XX/2019. They started investigating the matter for several months and opened a new credit card for me although I said I did not want any credit card from them and to close the account. On XX/XX/2019 I received a letter saying that the activity has been confirmed as unauthorized, but now I owe them {$230.00}. Upon talking to the fraud department several times they refuse to close the two accounts. Someone has made those remaining charges to the new account. I never received a new credit card, account number or authorized an opening of a new account. Everyone at HSBC says they have to investigate the matter and nothing gets done. The account is now delinquent and if I don't pay will affect my credit rating. I talked today with a person in the fraud department ( XXXX ) who said he needs three days to reflect upon the matter. I went to an HSBC retail bank today where they looked at the account and said that they have to make an investigation. HSBC should have promptly closed the account that had the unauthorized charges and refunded them to the account. They should have never opened an unauthorized second account. This has been going on for several months with no help from HSBC.
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 imposible and that tracking these transactions was infeasible.
Product: Credit card

The following accounts are being reported with late payments, despite all payments being made on time, in full, and on the respective due dates : The late fees charged by Barclays Bank/GAP ( XXXX ) and the reporting of late payments in my consumer report are false and misleading. These errors have caused significant damage to my reputation, character, and overall quality of life, as well as affected my family. 

XXXX XXXX XXXX  XX/XX/year> XX/XX/year> XXXX XXXX XXXX  XX/XX/year> XX/XX/year> XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

With both Experian and XXXX, I am unable to get the credit bureaus to report corrected information, even after providing them with updated information related to an account. 

The account in question is either XXXX/XXXX or XXXX/XXXX, which is a child support debt. The account number is XXXX. 

XXXX  is reporting both XXXX/XXXX with a {$610.00} balance and XXXX/XXXX with a {$610.00} balance. This is the same account being reported twice, and the balance on the account is {$0.00}. 

Experian is reporting XXXX/XXXX with a {$230.00} balance. This account has a {$0.00} balance. 

This debt is paid in full. The amount owed is {$0.00}. My children are over XXXX now, so there will no longer be child support. So, this account is now closed. 

I have attached an updated ledger from the Washington State Department of Child Support to support my position. On page one of the report, it shows a XXXX balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion finally removed the disconnected/de-activated phone number that had been assigned to someone else 2 years ago. A last name that was changed by court order and no longer legal to use was also removed. 

But TransUnion continues to report the student loan that was approved for XXXX Discharge on XX/XX/XXXX as a consumer dispute. The correct status for the loan is DISCHARGED. Furthermore, due to fraudulent signatories and attempts to apply for federal Stafford loans using my identity, XXXX, XXXX  and XXXX removed the student loan from their respective credit reports. The loan was removed due to massive fraud as part of the entire student loan portfolio, even though the loan discharged because of XXXX per se is a legitimate loan. 

As of XX/XX/XXXX, this student loan is no longer subject to monitoring by the U.S.  Department of Education or its loan servicer, XXXX. Since I met the criteria for XXXX  XXXX, the loan was officially DISCHARGED. This is the final action on this loan. The loan is inactive and will never again be open for terms or re-negotiation. Continued requests for updates on the loan violates my rights under the Fair Credit Reporting Act and the XXXX  XXXX   XXXX XXXX. TransUnion arbitrarily tries to force a different decision on the loan that leaves me open to more fraud or incorrectly reports the loan in the negative when I met all of the requirements for permanent discharge on the loan. Once again, the correct status is DISCHARGED and this loan is no longer subject to any further monitoring by the U.S. government. 

Additionally, TransUnion removed the Extended Fraud Alert and replaced it with an Initial Fraud Alert. TransUnion removed the permanent opt-out of all credit offers. TransUnion also removed the credit freeze. 

All of the other credit reporting agencies removed the discharged student loan, added an Extended Fraud Alert, added a credit freeze and added a permanent opt-out of all credit offers. XXXX, XXXX  and XXXX have correct credit reports.
Product: Student loan

To whom it may concern, My complaint is that I am making payments of {$460.00} per month to Navient and have paid over {$26000.00} into a Student loan ( Parent Plus ) loan in which the original loan disbursement was {$37000.00}. and I still owe {$57000.00}.

This loan was in deferment and forbearance as long as was allowed as we were counseled by the student loan administrator at the school. It was disbursed in XX/XX/XXXX and I began making payments in XX/XX/XXXX. 

I have discussed lowering the balance with Navient and of course they will not. I wrote a letter to my congressman in XX/XX/XXXX who in turn contacted the U.S. Department of Education Federal Student Aid. They sent me a packet giving me all the scenarios for student loan forgiveness which I do not qualify for. I don't even qualify for lower payments given my income.

My greater complaint is that our Federal Student Aid Department will, one, allow a loan like this to be made at all, and two, it would allow a loan like this to be made to students and their parents without insuring that the parties understanding exactly what they are getting into.

When we went into the student aid office, we were in there for all of 20 minutes. The online process was very short and easy. There was no discussion of capitalized interest and what that could look like after several years. We were also told that we could easily transfer the account into his name at a later date. This was not the case.

The amount of interest we are paying is astronomical! This would qualify as loan sharking! I don't believe there are the checks and balances or required education in place for students looking to get a higher education. We are under the assumption when getting Federal Student Aid that the government has our best interest in mind and would not allow us to be taken advantage of in this way.
Product: Credit card

I am out of town working in XXXX i checked my report becuase i want to buy a house soon and work on my credit i noticed several things i did not authorize and was not me. There is a collection account from Midland Credit Management that is not me. There is also 72 Inquires for vehicle loans none of wich was me and some as recent as 2 weeks ago .... I am out of town working and have not applied for anything especially this year.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX regarding some information that is reporting on my credit, such as collections, phone numbers addresses that does not belong to me due to identity theft XXXX gave me the runaround and does not want to help me resolve this issue regarding that in accurate information that is reported on my credit, which is a violation of my rights.
Product: Prepaid card

I attempted a purchase with a merchant for XXXX. The merchant denied my purchase because there were XXXX numbers in the CVV instead of XXXX. The merchant attempted to run the payment XXXX times which put a hold on my account for a total of XXXX. I called the institution ( Amex Serve ) and was told it would be 8 days unless I contacted the merchant and had them get ahold of them to authorize a release. Well I then made a conference call with the merchant and Amex. I was told that because they spoke to the merchant that my funds would be released within 48 hours. Well the 2 days passed, and my money was not released. I called Amex back, and was told that that was not the case. I was told that the tech I had previously talked to lied to me and that no matter what it would be 8 days no matter what. I asked them why I had been told so many different things by so many different techs, and they could n't give me a straightforward answer. Friday will be the XXXX day, and now I fear that my funds still wo n't be released at that time.
Product: Credit card

I have had the Chase Freedom Unlimited CREDIT Card for more than XXXX  Years. It has always Automatically Declined when I reached my limit. 
Suddenly, several months ago, Chase Credit Card Services decided to LIFT THE AUTOMATIC DECLINE MANUALLY, AND BEGAN LETTING MY CARD SEND CHARGES THROUGH FOR XXXX  WEEKS, WHICH CAUSED MY SCORE TO DROP XXXX  POINTS. 
I TOLD THEM THEY COULD NOT DO THIS LEGALLY UNLESS I HAD " OPTED IN '' FOR OVERDRAFT CHARGES. FREEDOM REPS STATED CONSUMER BANKING LAWS WERE NOT APPLICABLE TO THIS DEPT, OR CHASE BANK. 
YOU CAN NOT ASSIGN OVERDRAFT CHARGES THAT CAUSE A CONSUMER TO EXCEED THEIR CREDIT LIMIT. 
IT IS THE CUSTOMER 'S RIGHT & CHOICE TO CHOOSE WHETHER CHARGES WILL GO OVER -- NOT CHASE BANK. NOT ANY BANK. A CUSTOMER SHOULD 'OPT-IN ' BY EITHER WRITTEN OR VERBAL/ORAL CHOICE TO HAVE CHASE CREDIT CARD SERVICES 'ALLOW ' CHARGES WHICH EXCEED THE CREDIT CARD 'S LIMIT... TO GO THROUGH IN SPITE OF THE CREDIT LIMIT IMPOSED BY CHASE BANK UPON THE ORIGINAL ISSUE DATE OF THE CREDIT CARD. 
GOING OVER THE LIMIT IMPOSED BY THE BANK IS RUINOUS TO A CUSTOMER AND CHASE PUNISHES CUSTOMERS FOR DOING THIS. THEY ARE NOT ALLOWED TO USE CHASE FREEDOM UNLIMITED AT CHASE ATM MACHINES AND BLOCKED FROM ALL OF THEM PERMANENTLY. IT SHOUKD NOT BE PERMANENT, BUT IN MY CASE, IT WAS. I wrote to the Office of the Comptroller of Currency about refining this law we had previously worked on a XXXX ago in XXXX.
Product: Debt collection

I recently reviewed my credit report and noticed an erroneous account being reported by XXXX XXXX XXXX to the Credit Bureaus. Knowing that I've never done business with XXXX XXXX XXXX this presented some red flags. I immediately sent a dispute letter via certified mail on XX/XX/XXXX, tacking # XXXX XXXX XXXX XXXX XXXX, requesting VALIDATION of the debt. I simply requested LVNV provide copies of any papers showing I AGREE to pay what they say I owe per the Fair Debt Collection Practices Act. The certified mail was delivered on XX/XX/XXXX @ XXXX. 

On XX/XX/XXXX I received a response from Resurgent Capital Services claiming to represent XXXX XXXX. In their response they claim the original creditor is XXXX XXXX XXXX and attached an account summary with alleged charges which they claim provides verification of debt. I have never done any business with XXXX XXXX XXXX. 

On XX/XX/XXXX I sent a follow up dispute letter via USPS to both XXXX and Resurgent, tracking # XXXX XXXX XXXX XXXX XXXX. The dispute letter arrived on XX/XX/XXXX. In that letter I stated that their response did not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation. Anyone can type up a fake statement and put your name on it. I am just asking for a signed contract proving I agree to pay or agreeing to enter into a contract with said party. I can guarantee there will be no such thing as I did not enter into any agreement with the bank. I have no problem making this a legal matter but would rather this get resolved outside of court. 

On XX/XX/XXXX a response was provided once again with NO VALIDATION of debt. I once again received fraudulent and erroneous statements claiming that I owe {$1100.00}. I am hoping this complaint will stop the illegal false reporting of debt that has affected my credit before I have to take legal action. Once litigation begins I will not settle outside of court. An example will be made of these criminals. 

I also sent dispute letters to the 3 credit bureaus. I have not heard anything back yet. I am hoping they find this reporting to be false and erroneous.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has been deleted according to my documents in the past couple of months and was resent to the credi bureaus?
Product: Debt collection

On  XXXX   XXXX   Blake Whitt pl aced a collection on my credit report without properly notifying me according to FCRA, at least 5 days before. The collection agency claims I received mail on  XXXX   XXXX ,   XXXX   but did n't show proof of delivery via certified mail or neither will they tell me which address they sent this mail too. No phone calls were ever made by the company to try and collect on alleged debt to me. No notice was served at all. I do n't even know who the debt is from or why it was collected. I sent out a letter requesting a debt validation to the collector via mail which they have failed to respond to. Please remove this debt from my credit report that was wrongfully added. This has damaged my report by  XXXX  points right while I am in the process of getting a home. If debt is not removed I will proceed forward will suing the collector and the credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

All of the Adverse and negative information and accounts listed on my XXXX Credit Report Reference Number : XXXX is inaccurate and not my negative information or accounts. There shouldnt be any negative accounts or information listed on my credit report at all. No accounts or information should be currently listed on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple requests to dispute multiple items on my credit report and Transunion has not done their part in making sure that the information on my credit is accurate. I am attaching a list of items that they failed to address. I am asking that Transunion does their part and removes these inaccurate accounts from my credit report.
Product: Mortgage

I had XXXX  and was laid off. I applied and received the cares act to pay my mortgage for XXXX  months. The cares act sent in XXXX checks to shellpoint / Newrez who has cashed the checks. The first check was sent end of XXXX. Shellpoint cashed it XX/XX/XXXX. These checks have not been posted to my account. I have been calling weekly trying to get assistant. They tell me they see the checks but has not posted to my account. The cares act office and I got on the phone, spent a hour faxing all the information over and now they are saying we have to do this again. If I do this again, it will be with an attorney. This is just ridiculous
Product: Credit reporting, credit repair services, or other personal consumer reports

It was revealed in my credit report that a account is fraudulent that I did not authorize. I would like this accounts immediately remove from my Equifax credit report : Account name : XXXX XXXX XXXX  Date open : XXXX XXXX. Acct number : XXXX. I respectfully asked the creditor to provide some kind of proof of these alleged items, specially the contract, note, or other entrustment bearing my signature. additionally, to please provide the name, address, and telephone number of each credit grantor or other subscribers. It has been over 30 days and I haven't got a response. Under federal law they have 30 days to complete a reinvestigation. as well that the description of the procedure used to determine the accuracy and completeness of the information is herby requested as well, to be provide within 15 days of the completion of the reinvestigation. 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and.
Product: Debt collection

GE Money at XXXX calls and hangs up, and usually call right back and always hangs up. I have contacted Care Credit after each call to update them I still do not have the money for the payment and request they communicate through the website but the calls have continued XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is showing a freeze on my credit report which I have requested removal online several times only to receive error messages and by calling in only to be told the error message, which is on error on their side, must be corrected by a US team. Problem is this team that has to fix is in the US office which is closed with an unknown date for returning to the office. This is an issue because I am trying to do things and can not get approvals because this credit report still has a freeze on it. This is a nightmare and I'm sure it is affecting millions!!!! 

How can Transunion not have an effective business continuity plan at this stage to continue operations? I work for a major financial institution and if they found a way to conduct operations, even those that have a high risk profile, any can resume operations such a company as Transunion!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX XXXX sent me a statement for my last payment coming up. The payment was high because I did a 3 month deferment during COVID. The payment was due by XXXX XXXX I know I could not make the big payment all at once so I spread it out through the month. I made the final payment onFeb XXXX XXXX. I check my account on the XX/XX/XXXX XXXX dollars Balance. Check my credit report and I notice I have a 30 days late payment from XXXX XXXX. Call XXXX XXXX  they tell me because I spread the payments out it cause me to have interest of XXXX cents. This drop my score down XXXX points. I disputed with Transunion and they only gave me XXXX points back. Which this made my score in the mid XXXX. This is not good. This has happened before and I never received my points back after I dispute and they find its not my fault. Please help get my points back. Im in the process trying too buy a car. With a XXXX credit score my interest rate will be high.
Product: Credit reporting, credit repair services, or other personal consumer reports

My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by EQUIFAX. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my reports. Therefore, EQUIFAX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below was the inquiry that is still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

am writing to dispute the unauthorized access and use of my personal credit information, as it appears on my credit report. Under 15 U.S.C. 1681b, credit bureaus are required to have my explicit consent or a permissible purpose before obtaining my credit information. I have never given such consent, nor was there any permissible purpose for this access.

Additionally, I want to bring your attention to an issue related to the timing of payments as per 15 U.S.C. 1666b. This section mandates timely posting of payments. Any deviations from this requirement must be corrected promptly to ensure accurate credit reporting. 

I request an immediate investigation into these matters and prompt correction of any inaccuracies. Please provide written confirmation of the removal of unauthorized inquiries and corrections related to payment timing within 30 days.