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

Hi there, I was in mortgage deferral since the pandemic started from XX/XX/2020 to XX/XX/2020. I came out of deferral after receiving the letter from the Bank XXXX XXXX in XX/XX/2020 stating how much my payments will be after I come out from the deferral. It said that if I want to come out of the deferral I should start paying starting XX/XX/2020. So from XX/XX/2020 until today date I have been making mortgage payments every single month and never was late. I do have a copy of the bank letter stating how much and when I have to start paying also have copies of my bank statements showing payments being withdrawn from my XXXX  checking account. I have been calling every month to make the payments and they are all on time. The bank reported me being late for 30 days which never happened I have a pristine XXXX XXXX and was never late on any payments on any of my loans or revolving accounts. Please assist me on resolving it, i did try to contact the bank but its like getting nowhere. I spent hours on the phone and it seems that nobody does the job. I can provide all the documents that you are requiring to resolve it copies of my bank statements and bank letters.
Product: Credit card or prepaid card

On XX/XX/2021 i loaded {$500.00} on to my Chime Account card. The only money I had TO MY NAME. I used it at a XXXX XXXX XXXX XXXX and XXXX XXXX for breakfast. Later that afternoon on XX/XX/2021, I went to a local bank and tried to use the ATM. After trying to use the ATM, I received an email from CHIME stating they closed my account. They took WHAT I HAD TO MY NAME and what I had left after XXXX. Now how am I supposed to get my kids what they need??? I have tried to call them and when I do, it says they recognize the phone number and my account is closed. I have tried to send MULTIPLE emails and have had NO RESPONSE to their 24/7 customer service statement. I have advised them I would send proof of identity and still no reply. I have also advised them if they do not handle this matter, I will contact my attorney. No response.
Product: Debt collection

The Violence Against Women Act, a federal law provides you certain protections. Pursuant to Virginia code Va. Code 55-225.16 ( A ), ( B ) and Maryland code MD XXXX CODE ANN., REAL PROP. 8-5A-02 through 8-5A-04, an early termination of lease for victims of XXXX XXXXXXXX must be allowed without liability.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a apartment and got denied. When asked by the agency what the issue was they sent me a report stating a company called CBNA, which I never heard of. And it said that I owed {$1100.00} had credit of {$700.00} & that the account was opened XX/XX/XXXX and last active XX/XX/XXXX. There 's also a -40 points on the screen and it says account type charge. I do not have s credit card, I have not activated one and I did not authorize the use of this transaction. This is preventing me from moving and getting a place. if I do n't get this removed I 'll be homeless.
Product: Credit reporting or other personal consumer reports

During the last few months, I have noticed a collection account on my credit report from LVNV FUNDING LLC ( XXXX ) that I have no knowledge of how it was placed under my name. Neither the collector nor the creditor claiming to be the original ( XXXX XXXX XXXX ) provided me with certified notifications that the account would be transferred to a third party, nor was I requested permission for a permissible purpose to report it on my record. Therefore, I proceeded to dispute the account in writing, requesting validation and removal of the account ; however, they have ignored my communications with them and the credit bureaus. The account is being reported inconsistently on my report, providing incomplete information among the three credit bureaus, which raises further concern about my case. Since they are not providing concise information to the credit bureaus, this may be considered a violation of 15 USC in the following sections : 15 USC 1681e ( b ) : The information provided to consumers is inaccurate, misleading, or incomplete.

15 USC 1681i ( 5 ) : Failure to conduct a reasonable investigation into disputed information.

15 USC 1681 ( a ) : The inaccurate and misleading information contained in the credit report violates the FCRA 's requirement for fair and accurate reporting.

15 USC 1681 ( a ) : The failure to investigate and correct these inaccuracies within a reasonable time frame is a violation of the FCRA.

15 USC 1681s-2 ( a ) ( 2 ) : Furnishing information to a consumer reporting agency without the consumer 's written instructions.

15 USC 1681n : failed to provide me with clear and conspicuous notice of my rights under the FCRA.
Product: Credit reporting or other personal consumer reports

THESE INQUIRIES FROM MY CREDIT REPORT. 


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.

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 inructions 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 XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX
Product: Credit card

I recently opened an Amazon Store credit card, issued through Synchrony Bank. About a week after opening the account, I was notified by Amazon security department that my amazon account was compromised, and unauthorized purchases had taken place. They locked my account, and cancelled all unauthorized orders, which all contained e-gift cards that were claimed by people who I have never heard of. Amazon sent me an email saying all transactions were being reversed. Two weeks went by, and the orders had been cancelled but my Amazon credit card ( issued by Synchrony ) had not been refunded. I contacted amazon numerous times, and they finally told me I needed to contact Synchrony Bank to have the charges reversed. I contacted Synchrony and opened a dispute. Several weeks went by, and I never heard anything from Synchrony or Amazon. I was forced to make a payment on the account to avoid late fees and a derogatory mark on my credit report. I contacted Synchrony and was told the dispute was closed due to lack of details, but they would open the dispute again. I have no faith in this process, given I already went through it before with no results. All of the charges that amazon told me would be reversed took place on XXXX XXXX and XXXX XXXX. There were a total of XXXX charges, totalling {$4000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the account from my credit report : XXXX ( Original Creditor : XXXX XXXXXXXX ) XXXX Balance : {$750.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017 there are two hard inquiries that I don't recognize with such a company from XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I have previously sent disputes regarding this issue numerous times. This issue is really causing me to have significant XXXX XXXX. Equifax Information Services is failing to truly investigate and validate the information that's in my consumer report. It is illegal for the bureaus to report an active payment history when the alleged account is a charged off account. This inaccurate information falsely manipulates the statute of limitations. Their negligence has violated my rights. I AM DEMANDING A DELETION IMMEDIATELY!
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, specifically 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 the claims adequately. They informed me that recovering lost funds was impossible and that tracking these were unfeasible. CFPB 's findings indicated 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

I was sent an email on XX/XX/XXXX that said I had a charge on Affirm and that payment was due on XX/XX/XXXX. I never opened an account with Affirm and I don't know what the change is even for. They said that I owed {$130.00}. It says my purchase ID is XXXX.
Product: Credit reporting or other personal consumer reports

Subject : Notice of Unauthorized Credit Reporting and Demand for Compliance with FCRA and Ohio Identity Theft Laws Dear BROOKS BROTHERS/CBNA, I am writing to address a serious matter concerning the unauthorized reporting of information to my credit report, which is in direct violation of federal and Ohio laws XXXX including the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and Ohio identity theft laws . 

It has come to my attention that BROOKS BROTHERS/CBNA has

reported information to my credit report without obtaining my explicit consent, as required by federal law. Section 1681b ( a ) ( 2 ) of the FCRA unequivocally mandates consumer consent prior to such reporting activities. In addition to federal law, Ohio state law, particularly concerning identity theft and credit repor
ting, reinforces the requirement for consumer consent. This includes Ohio Revised Code Sections [ insert relevant sections ] which outline the necessity of explicit consent for credit reporting activities.

I want to make it explicitly clear that I have not authorized BROOKS BROTHERS/CBNA to report any information to my credit report. This lack of consent represents a clear violation of my rights and could potentially harm my creditworthiness, contrary to the protections guaranteed under federal and state laws. 

Accordingly, I demand that BROOKS BROTHERS/CBNA immediately cease any further reporting of information to my credit report without my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and applicable Ohio laws . Failure to comply within 30 days will be considered willful noncompliance and subject to penalties under relevant laws.

Compliance with these legal obligations is not negotiable. It is imperative that BROOKS BROTHERS/CBNA adheres to federal and Ohio state laws to protect consumers like myself from unauthorized and damaging credit reporting practices. 

I expect prompt attention to this matter and full compliance with my demands. Please rectify these violations without delay, respecting my rights under federal and state laws. 

Done in good faith,
Product: Money transfer, virtual currency, or money service

Im filling this compliant bc I was found out on the dark web all my information is out there and all my transactions have been processed but I need to file bc my id name social security is out there
Product: Debt collection

I received an alert regarding a new collection on my credit report yesterday. I looked and it was for Midwest Recovery Systems. I called XXXX  and XXXX right away and filed a dispute. I called Midwest and they tried to tell me it was from XXXX/XXXX XXXX  from XX/XX/XXXX and I was paying on it from XX/XX/XXXX-XX/XX/XXXX from my bank account and my bank verified this. I have called my bank and there is no record of a loan from XXXX. Back in XX/XX/XXXX I had to dispute two accts from Midwest for two payday loans for {$1000.00} each. Now this one is saying its a payday loan in the amount of {$1000.00}. I find the amount from the same place very close and fishy. The two accts were found out to be frauds when i reported them to you and to my credit reports. This is getting ridiculous how they can just fall on your credit report when they are scams. Im trying to rebuild my credit and they keep knocking me down. I have XXXX Midwest REcovery systems and they are known for doing this to people. The lady from Midwest hung up on me last night when i told her this was a scam. They have not tried to contact me via phone or mail regarding this debt. It just showed up on my credit report. I want this removed from my credit report. There needs to be some sort of block for these companies. 

thank you XXXX XXXX
Product: Student loan

I received a letter recently from my student loan servicer ( XXXX ) that they were selling my loans to another company who has contracted with AES to service the loans. That action is straight forward enough. My complaint is not why the transfer is happening, but how it is happening. 

1. I was notified not even two weeks before this would happen. 
2. The letter says that I should begin sending my payments to AES immediately after the loan transfer on XX/XX/2022. But there is no indication about how I am to do that. Further more, if you have direct deposit set up, it says that your payments will transfer to the new servicer for 90 days. And then it says you must set up direct deposit with the new servicer by a certain date. But again, how do I do that? And why wouldn't all of that just happen automatically? Why would I have to do anything at all? Asking borrowers to do anything at all in this transfer is wasteful, extremely negligent, and error prone. 

Again, this is negligence in its purest form. The consequences will be heavy for borrowers, both from a time standpoint, a credit profile standpoint, and a financial standpoint. This transfer is not well thought through, and borrowers will pay a heavy price.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 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 of 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

TransUnion lowered my credit score by XXXX points just due to one credit card 's balance increased by {$170.00}. They raised it by XXXX point weeks ago when another balance decreased by {$300.00}. It's not fair, it's an abuse of power and I want this to be taken seriously!
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2020 ) I wrote to Experian, XXXX and XXXX about inaccurate accounts on my credit report and still haven't received any investigation results back. Today XX/XX/2020 makes a full 30 days and from what I know they have 30 days to do an investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

UNTIL YOU CAN PROVIDE ME WITH A DOCUMENT PROVING THAT I GAVE XXXX  XXXX XXXX MY REQUEST TO RELEASE MY MEDICAL INFORMATION TO YOU, CREDIT BUREUA, I DEMAND YOU DELETE THE FOLLOWING ACCOUNT ( XXXX )! 
Acct Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; Under the Health Insurance Portability and Accountability Act of 1996 ( XXXX ) XXXX I reserve the right to protect the privacy of my personal information and medical, records from all third party reporting agencies. Continuing to report this XXXX debt without properly validating and providing me proof of permission is a violation of the FCRA ( Fair Credit Reporting Act ).
Product: Mortgage

Dovenmuehle accepted a loan modification and I paid XXXX trial payments to Dovenmuehle. During the process they transferred it to XXXX XXXX  and Dovenmeuhle claims there was no loan modification agreement. These conversations took place by email, letter and phone.
Product: Checking or savings account

Suntrust bank instead of waiving and nsf fee as requested provided temporary relief and then charged the fees 30 days later. This was not explained on the phone at the time but was outlined in a letter sent out 2 weeks after the discussion. On XX/XX/2020 they charged by checking account XXXX. I was on hold for 45 minutes waiting to speak to a supervisor with the customer service number and gave up. I then walked into the XXXX branch XXXX, TN and spoke to XXXX. He said he also could not waive the fee and offered the 800 number I was just on. I then asked for the legal department phone number because I receive VA XXXX and those funds are exempt from garnishment and collection attempts. I'm filing a complaint to have all NSF fees charged to the my account during the life of this account opened to be refunded XXXX US Code 5301.
Product: Credit card or prepaid card

I went to use my BJs card and it was denied. So embarrassed. I called the company they said I never sent in a payment. They received my payment of {$750.00} on XX/XX/22. They said sorry we are updating our system. Meanwhile they wont let me use my card, they can not tell me when they are going to find the money and it is going on a month. This is Comenity Capitol Bank.
Product: Debt collection

I moved in XXXX XXXX XXXX XXXX on XX/XX/16. There were repairs that needed to be completed on the apartment. While staying in the apartment with my young daughter and husband we experienced many unresolved issues. Cold nights no heater. Then hot on hot days no a/c, also water damage. The above apartment bathroom water would drain all down my bathroom walls. I continued to complain and speak the the office manager at that time XXXX XXXX. Once she came to my apartment and saw all damages she advised it would be fixed however that was not done. I told her I would be moving out due to the conditions she told me to provide a letter and that this would not go on/impact my credit. No one never reached out to me. I saw a debt collector on my credit report when called to find out what was going on I was shocked that it was for XXXXXXXX XXXX XXXX. The representative advised I do not owe rent but I owe a fee for not giving enough notice that I was moving out.
Product: Mortgage

Forebearance Program Release Delayed Since XX/XX/XXXX Have made 5 consecutive payments made since XX/XX/XXXX Paperwork recieved XX/XX/XXXX to release me from program-still not released XXXX requested a max complaint to expedite release of forbearance program XXXXstill no response to my release Paperwork Sent Issue : Have called 5-7 times from XX/XX/XXXX to get paperwork sent. 
Paperwork sent- Huntington Bank would not except signature Huntington Bk sent out paperwork with wrong name, ( someone else 's paperwork ) Sent out new paperwork, notarized, Huntington Bank received- XX/XX/XXXX 8 weeks since XX/XX/XXXX, still no release from forbearance program, delaying my refinance efforts, can not move forward with a refi. 
Requested a Loan payoff quote : XX/XX/XXXX requested payoff quote, current balance on mortgage does not reflect any monthly payments, they have not been applied, can not get true loan amount to refi XXXX, stated they will fax to branch, XXXX IL ( Can not email or give verbally ) XXXX, no fax XX/XX/XXXX, still no fax, requested another max complaint be issued to for Homesavers dept to process my paperwork to release me from forbearance program and issue final mortgage balance. 
Trying to refi since XX/XX/XXXX, can not due the incompetency of Huntington Bank!
Product: Debt collection

I received a letter from a company called " EOS CCA '' explaining to me that they are offering a settlement offer for an unverified debt from " XXXX XXXX '' that I supposedly went to in XXXX of 2014. I never went to a that hospital around that time. I have tried to call them several times and they do not answer, yes I am calling around their open business hours according to the letter I received. This is a fraudulent SCAM and this company should be shut down.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  is listed in my credit report. I contacted them many times to validate the debt and ask for proof of purchase agreement. They have failed to provide the proof of the purchase agreement. This needs to be deleted from my credit report
Product: Credit reporting or other personal consumer reports

I called due to XXXX, Transunion and XXXX not answering my disputes for the past year and they put me on hold for 30 mins then hung up on me. I will now seek legal action.
Product: Mortgage

We have been working on a short sale with my mortgage lender for over 6 months. We have a buyer that is meeting the lender requested value based on the appraisal of our home. The lender is stating they are waiting on a variance from HUD to schedule settlement of our home. Our mortgage lender is stating they can not guarantee the scheduled XXXX sheriff 's sale will be postpone. Please work with my mortgage lender to allow us to continue with the short sale of our home and delay the pending foreclosure.
Product: Mortgage

Payment has been submitted to our lender via check via the mail. Lender confirmed receipt of check however admitted to holding the check for posting instructions. We have paid via check because the lender has a fee to pay over the phone and the lender has no website to pay online. This lender is difficult when calling to speak with a person everytime. Customer service for this lender is appalling.