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

Hello On XX/XX/23 i pulled my credit report and seen there were some inaccurate information listed. I sent a letter to Equifax to dispute some late payment information that they never responded or even acknowledged my concern. it has been well over 30 days. See attachments
Product: Checking or savings account

I have been a customer of Marcus by Goldman Sachs for several years and never had issues with transferring my money between this account and my primary banking account until recently. I have an online high yield savings account through Marcus by Goldman Sachs. My Marcus account is linked to my XXXX XXXX XXXX XXXX checking and savings accounts ( my primary banking system ). 

Last week, I submitted a payment from my Marcus account to my wedding catering company for my upcoming wedding. Because the wedding catering company is a third party, Marcus reversed the payment and locked my account. I understand the security behind this and reasoning from Marcus for doing this. However, I called their customer service line to rectify this issue and told them I made this payment. They have a strict identity verification process to unlock my account. They asked for numerous pieces of information about me including full name, date of birth, home address, social security number, secret word to my Marcus account, and external bank account numbers linked to Marcus ( my XXXX XXXX accounts ). They told me they could not send me a one time pin to my cell phone number linked to the Marcus account because it is " inactive '' which is not true. They then asked me four questions that I would only know which were the following : my former home address, the cross street to my former home address, my current address, and who currently lives with me. After all of this information was correctly provided, they told me they could not verify me because " this information was not correct ''. They proceeded to say they would be sending an " affidavit of identity '' form in the mail for me to complete and get notarized. This could take up to 7 business days just to receive the form. I am extremely frustrated by the Marcus team because their verification process is exhaustive. I am upset because this is my account and my answers were correct. I have a wedding catering deposit payment that is due, but can not yet proceed due to their lack of compliance and inaccuracy with verifying my identity.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that the account is fraudulent though your company claims to have verified this. 
Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

" Seriously delinquent '' and " late payment '' and " 30-90 days '' incorrect
Product: Money transfer, virtual currency, or money service

I am writing to formally address 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 of times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The lack of accountability and transparency is unacceptable and raises serious concerns about customer safety.
Product: Checking or savings account

On XX/XX/2023, I attempted to submit an image of a U.S. Treasury check in the amount of {$200.00} ( USD ) via Chime Financial , Inc. 's " mobile check deposit '' feature. Chime asked me to endorse my check with my signature and the language " For Deposit to Chime Only. '' After correct endorsement of the check, I submitted the images of said check, only for Chime and its banking partner XXXX XXXX XXXX XXXX  ) to reject my deposit, saying that the check was incorrectly endorsed. I submitted another image ( with different lighting and a darker background ) via Chime 's mobile app, and the deposit was again rejected for " poor image quality. '' I tried fiddling with the image quality settings on my phone 's camera and took what I believed to be the clearest possible image of this Treasury check, then tried one last time to submit it for deposit. Chime and XXXX XXXX rejected my third attempt to deposit my check, again for improper endorsement. I immediately sent an email ( on XX/XX/XXXX ) to Chime 's " Member Services '' department explaining my situation and asking them to correct the problem that I was experiencing. Unfortunately, it took almost one full month before a member of support personnel replied back to me via email ( XX/XX/XXXX ), saying that there was nothing either Chime or XXXX XXXX could do to fix my mobile check deposit issues. I am now attempting to close my accounts ( both checking and savings ) with Chime, as I believe the company 's customer service is so terrible that it negates the advantages of banking digitally. I don't think Chime should claim that they are " the number one most loved banking app. ''
Product: Credit card

I closed my credit card with XXXX back in XX/XX/year>. Since then they are still charging me a monthly maintenance fee and late fees. I understand that interest will be accrued on the balance until it is paid in full, but it is my understanding that the creditor should not be charging any other monthly fees to my account. On my most recent statement it has {$53.00} in fees.
Product: Credit reporting or other personal consumer reports

Was informed that my data was breached, being used
Product: Credit card

I detected today a hard inquired on my Discover Credit card on XX/XX/2023 ( this year ) more the one time ( I am in shock ) I never did it the kind of inquired. I was satisfy with the amount of credit on the card and I dont request any extra amount.

Show as a hard inquiry and I need to know who did it because I never did it. And an good explanation by Discover card who never arent in communication with me about the inquiry.

Thanks ahead
Product: Credit reporting, credit repair services, or other personal consumer reports

# 1 CHASE CARD Closed : XX/XX/XXXX - {$5500.00} Closed Overview You're currently using 111 % of your account 's limit. 

Balance {$5500.00} Credit limit {$5000.00} Minimum monthly payment {$0.00} Opened XX/XX/XXXX ( 4 yrs, 5 mos ) Payment History Last payment XX/XX/XXXX Current Payment Status In Collections/Charge-off Amount past due {$5500.00} Worst Payment Status No Info Account Details Account status Closed Type Flexible Spending Credit Card Responsibility Authorized User Remarks Charged off as bad debt Canceled by credit grantor Times 30/60/90 days late 0/0/0 Closed XX/XX/XXXX # 2. 
Closed : XX/XX/XXXX - {$2200.00} Closed Overview You're currently using 104 % of your account 's limit. 

Balance {$2200.00} Credit limit {$2200.00} Minimum monthly payment {$0.00} Opened XX/XX/XXXX ( 4 yrs, 5 mos ) Payment History Last payment XX/XX/XXXX Current Payment Status In Collections/Charge-off Amount past due {$2200.00} Worst Payment Status No Info Account Details Account status Closed Type Credit Card Responsibility Authorized User Remarks Charged off as bad debt Canceled by credit grantor Times 30/60/90 days late 0/0/0 Closed These accounts belong to my Brother XXXX XXXX XXXX. I should not be on these accounts! I did not authorize my name being on these account.nor did I know about them until I investigated my credit. My older brother is in prison due to CC fraud and murder. Please help me these CC accounts are causing Lenders not approving me for loans and is effecting my credit score. Ive payed all my bills on time and my credit score is taken years to go up I didnt know about these fraudulent accounts. Im trying to resolve the issue but Chase want return my calls. Please help thank you XXXX XXXX.
Product: Credit card or prepaid card

they sent me an email saying they closed my account bc failure to comply with customer agreement when i called and said that's false give me specifics the agent XXXX couldn't tell me but said it was bc i filed a cfpd complaint a while back this is retaliation and they wont let me cash in my rewards for a statement credit
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. 
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Experian, XXXX, also XXXX has violated my rights. 15 U.S.C 1681 section 602 A.

States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate.
Product: Credit card

Off and on for a few years now, I have attempted to set up auto payments on my Chase Visa card. The only options they give for autopay ( and I keep checking back to see if it 's changed ) is either the minimum amount ( a bad idea, as shown on my statement ) or the full balance ( which I ca n't pay ). All my other credit cards have allowed me to choose the amount of the autopayment. Therefore, with my Chase Visa card I have been working to manually pay about twice the minimum each month, but the window to pay is so narrow that I have incurred lots of late fees and my interest rate has now risen to 27.49 %. I think this is an unfair practice designed to fleece consumers, and I would like the CFPB to put a stop to it, and I would like my late fees credited back to my account and my interest rate to be lowered to something reasonable.
Product: Debt collection

TRANSWORLD SYSTEMS INC is falsely reporting an unverifiable utility bill on my credit report and is detrimental to my life since XX/XX/2019. I have enough bills to cover and I can not afford to have anything hurting my score now. This is causing an increase in interest percentage and a decreased chance of being accepted with different companies. I have contacted the main creditor many times and have disputed many times but the issue remains unsolved.
Product: Debt collection

Alltran Financial , LP on behalf of XXXX XXXX XXXX XXXX has been, for the last four weeks contacting two of our tenants located in New York regarding this account. The phone numbers they called were XXXX and XXXX. Alltran repeatedly contacted these two tenants for the last four weeks regarding this account. The last contact was made today XX/XX/XXXX.
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I contacted Alltran today XX/XX/XXXX and spoke with XXXX who CONFIRMED that yes they were contacting these two numbers because they needed to speak with me.
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I asked them how they got this information and he stated he did n't know how his company obtained the information.
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These two people ARE NOT related to me and should not have been contacted in the first place as XXXX XXXX XXXX was notified of our Chapter XXXX filing when we returned the leased vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S. Code 1692c - Communication in connection with debt collection Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention the ongoing issues I've encountered with the inaccurate reporting of inquiries by the three major credit bureausEquifax, Experian, and XXXX. These inaccuracies not only misrepresent my personal data but also have the potential to negatively impact my credit standing and financial reputation. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX Experian XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX Experian
Product: Credit card

Dear Consumer Financial Protection Bureau, I am filing a formal complaint regarding the unfair expiration of my {$220.00} in XXXX  rewards and the failure of both XXXX rewards program and their credit card issuer to resolve this issue. Despite following the instructions provided in XXXX  email, my rewards were improperly removed, and I was given conflicting responses from customer service. 

Issue Summary On XX/XX/year>, I received an email from XXXX XXXX stating that my {$220.00} in rewards would expire on XX/XX/year>. The email clearly stated : " Shop and redeem your rewards across our family of brands, no merchandise exclusions. Or use your XXXX XXXX XXXX XXXX an everyday purchase anywhere XXXX is accepted. " ( attachment XXXX ) Due to my schedule, I was unable to shop at XXXX family brands before the expiration date. 

On XX/XX/year>, I used my XXXX XXXX XXXX to make XXXX purchases at Target, a grocery store where XXXX is accepted ( attachments XXXX ). 

On XX/XX/year>, I checked my account and found that all my {$220.00} in rewards had expired, despite making purchases as instructed. 

Customer Service Failures I contacted XXXX XXXX Customer Service, and they directed me to the XXXX Credit Card XXXX. 

XXXX XXXX  XXXX  XXXX then referred me back to XXXX  Rewards, with neither resolving my issue. 

I filed a complaint with the Better Business Bureau ( BBB ). XXXX responded that purchases must be made at their brand stores to retain rewards, which contradicts the clear statement in their XX/XX/year> email. 

Despite my appeal, XXXX refused to acknowledge their misleading communication and closed the complaint without resolution.
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX # XXXX, has violated my rights. 

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

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1681C. ( A ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than 7 years.

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

Contacted company and asked why, company is only reporting to XXXX, and not the other two bureaus : transunion and XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX/DEPT OF ED Account Number : XXXX Account Name : XXXX/DEPT OF ED Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I helped my son get a auto loan with Ally Financial Auto XX/XX/XXXX I was principle on loan and son was co-signer, son was not prompt in payments so I took over payments XX/XX/XXXX or XX/XX/XXXX. I paid on time always with auto pay from my bank but I had never received a single statement or communication from Ally. on XX/XX/XXXX I saw online that payment was {$650.00}, I paid the {$650.00} with auto pay. When I went to look at Ally account XX/XX/XXXX account said no record of vehicle and I could not see vehicle account. The auto pay send {$650.00} on XX/XX/XXXX when I went to look at Ally account XX/XX/XXXX I still could still not see account then first week of XX/XX/XXXX I was notified that Ally had reported non-payment to Credit Bureau, I again tried to see account but was still locked out. I called Ally and was told first that I missed several payments when checking Bank I saw I had never missed a payment. I asked Ally what was up as I could not see account, never received a single statement, or communication of any sort and they informed me they only communicate with Co-signer per his telephone request and he had filed Bankruptcy so I was locked out of account and they do not send any type correspondence with principle who had paid for 3.2 years. Ally informed me I should have monitored account they locked me out of since they did not communicate with me and they had no responsibility to communicate with me regarding account or my credit. I was never notified of any discrepancy, received no communication in 3.5 years and was not allowed to see account they told me I should have monitored and still can not see?!
Product: Checking or savings account

XX/XX/XXXX I had went to prison got sentenced to 28 months in d.o.c.. I had XXXX XXXX XXXX XXXX  dollars in my savings account that I did not give anyone permission to use my account or withdraw any money from my savings account.. XX/XX/XXXX I got released from prison I get out XXXX to bank my account was closed and no money in my account?? So I talked to numerous people including managers and they said they can see were I had money in my account and it was closed I said I went to prison on XXXX XXXX XXXX and never touch down on the streets till XX/XX/XXXX so how come my savings account is closed and I have no money in there so they did some digging and found were someone has withdrawn all my money out and put it in a whole niether account with out my permission thats fraud XXXX put my money in a bank to be safe and they let someone else take all my money out and closed my savings account with out my permission so I tryed for XXXX long months to get my money back they said they was not gon na give me no money they declined my problem..
Product: Debt collection

I XXXX XXXX account # XXXXcustomer of Shellpoint Mortgage Servicing. Find myself obligated to request a response to my questions. Since I had tried the website and the telephone systems and as of today XX/XX/XXXX I still not receiving any acknowledge or proper response to my questions. As a customer of this company since XXXX, I find myself in a little dilemma about my payments. On XX/XX/XXXX as always I was sure my mortgage payment gets on time to this company. I had ordered for an ACH thought XXXX XXXX XXXX XXXX ( XXXX ). That ACH for a value of {$2300.00} was received and accepted by Shellpoint Mortgage Servicing on XX/XX/XXXX with a confirmation trace # XXXX.Shellpoint Mortgage Servicing called me on XX/XX/XXXX asking me to submit another payment. I would like to note that this company its extremely aggressive and demanding when it does come to collecting this money.Shellpoint Mortgage Servicing told me over the phone on XX/XX/XXXX that I was late, and I must pay my mortgage in order to avoid late fees and bad credit bureau reports. Supersized by this incident, I had no choice to re-pay this again. By that time my records were already annotated with defamatory comments about being late. Shellpoint Mortgage Servicing supposedly avoided my late fees. I tried to explain to them that I had never been late in any mortgage payment and that I had sent my payment over an ACH on XXXX XXXX. ( that paymet was for the XX/XX/XXXX XXXX Payment ). 

I went ahead and repaid my mortgage, I was asked to load up a letter on this very poor website on XX/XX/XXXX proving that XXXX in fact submitted that ACH. I did and I was supposed to wait three business days for a response. Those three days went by and no response and or email. In fact my letter and my email dispensary form my account. ( This web portal its extremely bad ). 
I decided to call for the third time, and I was told that Shellpoint Mortgage Servicing received my letter and my request, but they were working on it. 
As of today XX/XX/XXXX. No response to my questions, no knowledge where my money that I had paid t Shellpoint Mortgage Servicing went. When I owe money to this institution they demanded in a very aggressive way. But now that I have an issue, they took my money and refused to clarify this issue. 
I was lucky I had money in the bank otherwise, my records were damaged, and my account still delinquent with bad derogatory comments. 
I would like to get a response, I want my derogatory comments to be removed from my records, because I wasn't late. I want a full explanation of this mistake. 
I want my records clean and clear please. See letter from XXXX for the ACH transaction dated XX/XX/XXXX