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

On XXXXXX/XX/XXXXXXXX was posted on my credit report as a hard inquiry. I did not authorize them or the credit bureau to do so. 

15 USC 1692c ( a ) without the prior consent of the consumer given directly to the debt collector the expressed permission of a court of competent jurisdiction a debt collector may not without a consumer in connection with the collection of any debt.

15 USC 1681 section 602A - states that I have a right to privacy.

15 USC 1681 section 2 - states that a consumer reporting agency can not furnish account without my written instructions.
Product: Credit reporting or other personal consumer reports

I have disputed inaccurate information with the credit bureaus and have yet to get any updates from them regarding this manner. It has been well over 30 days since I have contacted them and I have yet to hear back from them. I sent letters off to them on XX/XX/2024. I feel like I am being taken advantage of and that my situation is not being taken seriously. According the FCRA any accounts that are unverifiable and inaccurate must me removed immediately. If this matter isn't resolved I will be forced to file litigation due to the stress this is causing me. I also was impacted by the XXXX data breach and my data was breached. I believe it got into the wrong hands. Thanks for your help with this matter.
Product: Checking or savings account

Chime, XX/XX/XXXX XXXX XXXX  ATM fee {$6.00} ( {$4.00} ATM Fee, {$2.00} Chime fee ) The Chime app directed me to this address : XXXX XXXX XXXX XXXX There is an ATM there. 

The address of the ATM : XXXX XXXX XXXX XXXX There is no difference in the physical location of those two addresses. 

I contacted CHime to complain about the fees, Chime was unwilling to discuss the {$4.00} ATM fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

I already reached out to the credit bureaus and to CBNA for the account number XXXX and notify them of their error posting for this account. and I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I had also requested the method of verification, actual proof, physical firsthand documentation of the payment history and proof of last payment but I did not receive what I asked for and these violations persist on my credit report. I just had to escalate to CFPB.
Product: Mortgage

I was out of work  and got Covid deferment XXXX and I was unable to pay in full so I have been trying for a loan modification since then bc I started a new job XX/XX/XXXX. I complete the packet with all the docs faxed on XX/XX/XXXX and mailed and call XXXX to confirm receipt on XX/XX/XXXX which I was told it was in the system as yet. I called on XX/XX/XXXX and was advise to give it XXXX weeks because it went in in the system XX/XX/XXXX and that they are waiting for IRS docs XXXX Since then I havent received any communication so I called today XXXX was advised that the packet was incomplete and inactive bc line 3 of the XXXX was missing my name so I need to start over. This is unfair, misleading and deceptive I need help
Product: Credit card

On XX/XX/XXXX I ordered some charms through XXXX. The charms were not delivered and I requested a refund for all the items. Since XXXX was taking too long to provide the refund I contacted my bank and requested a dispute. On XX/XX/, Citibank denied the dispute based on what XXXX claims is a venue made up of independent sellers. But on XXXX XXXX XXXX  XXXX agreed to refund the amount of the purchase but the credit never went through supposedly because I was disputing the charges with my bank. I have letters proving my claim. The original amount purchased was {$300.00}, but they did refund me back {$220.00} and I'm still missing {$73.00}. XXXX is stating that they can't provide me with the credit due to the bank dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a car reposesed by Westlake Financial Services. I sent them certified mail disputing their credit reporting XX/XX/XXXX. Then XX/XX/XXXX ... I notified all 3 credit bureaus in certified mail I disputed Westlake claim. As of XX/XX/XXXX they had not marked my credit file as Dispute by the Consumer and I asked for a completed deletion on that inaccuracy alone. On XX/XX/XXXX, I sent Westlake and XXXX XXXX a letter request documentation of the repossession and the so called Redeemed Repossession .... neither company responded. As I have the original contract and wanted to calculated the correct amount owed or needed to be refunded. On XX/XX/XXXX ... I ask all 3 credit bureaus to delete on the inaccurate reporting and various DATE OF STATUS ... .They are reporting 3 different dates of status ... ... which in turn affects the time this  derogatory items comes off my credit file. They never marked this account DISPUTED ... I am challenging the so called Redeemed Repossession ... and the fluctuating balances.By them reporting this INACCURATELY ... I am faced with a poor credit score, economic loss and misery that come along with bad credit ... denial of credit, lost opportunity to receive credit, degraded social standing and emotional distress.They Failed to comply with the requirements of the FCRA ... and they fail to comply with the requirements in 15 USC 1i and fail to comply with the requirements in 15 USC 1g ... so I am asking for a completed REMOVAL FROM ALL 3 CREDIT BUREAUS.
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns regarding Zelle 's dispute resolution process, particularly in light of the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) that highlights significant shortcomings within the platform. Despite my repeated use of Zelle and my notifications regarding discrepancies, both my financial institution and Zelle have not conducted thorough investigations into my claims. I have been informed that recovering lost funds is impossible and that tracking these transactions is not feasible. The CFPB 's findings indicate that Zelle has not only failed to protect consumers adequately but has also allowed repeat offenders to exploit the system, thereby exposing users to potential scams.
Product: Debt collection

I was a client of XXXXXXXX XXXX internet services for over a year. Towards the end of my service, I experienced outages and connectivity issues daily ( for over 30 days ). This greatly affected the work being done from the address with service, costing thousands to be lost. In response, XXXX refused to send out a service technician ( on one phone call ) and one never showed. I was also only credited {$2.00}. 

After countless chats and calls with Spectrum with no resolution provided whatsoever, and XXXX visits from technicians, I was forced to cancel my internet service to continue operations at the address, and went with another provider ( have had XXXX connectivity issues or outages in the five months of service ). 

Despite attempting to dispute ( amicably ) with spectrum after cancelling the services ( which was 8 days after the billing cycle ) I was still charged {$59.00}. I have entered this into investigation twice in five months and connected via phone with Spectrum numerous times since then, only to be met with attitudes and frustration from most representatives, and still no resolution. 

Most recently, XXXX has decided to send the " debt '' to collections, who has reached out. This spurred a return call to XXXX, where I was met with no resolution, again. 

Five months of frustration and inconvenience after being dealt an inoperable service is absolutely immoral and unethical. As a company owner myself, the behavior exuded from Spectrum ( as a company ) and their representatives in negatively outstanding. 

My goal is to amicably resolve this dispute, crediting the money back to the CLOSED account, and clearing the collection agency of the debt.

I will be filing a complaint in court, as I fear this may be the only path towards a fair and just resolution.
Product: Credit reporting

TransUnion had an incorrect item deleted from my credit report, see attached, Then they confirmed it, sent me notice, provided a new updated report and then secretly put it back on my credit and did not notify me within the five days they intended to do so, a clear violation of the FCRA 's, 5 day notice rule 15 USC 1681, AND ... In addition they did not notify the other CRA 's as required under 15 USC 1681 611 ( a ) ( 5 ) ( b ) see attached,
Product: Debt collection

Man 's voice, no name. Said was " XXXX '' and that failure to respond would result in legal action. Did not identify any account that they are collecting for. Called 3 times in 5 minutes. Their number is XXXX.
Product: Student loan

I am a XXXX XXXX XXXX XXXX  and I work for XXXXXXXX XXXX XXXX XXXX as an essential employee throughout the entire pandemic. I have made payments for years and finally paid off my student loan in full in XXXX of XXXX ( using my tax money ). I did this because I'm thinking about retiring soon and wanted this off of my shoulders. 

Navient never informed me of my option to consolidate my loans, apply for PSLF, and then ultimately participate in the Payment Pause from XX/XX/XXXX and forward. I reached out to Navient, who then told me to reach out to XXXX ( which I found to be absurd given that my loan was never transferred there but I was told that " they handle that PSLF stuff '' ). XXXX, of course, told me to call Navient back as they had no record of me. 

Then, after being transferred to 4 different representatives, each one higher up the chain than the next, I was told by Navient that as my student loan servicer that they were never required to inform me of anything PSLF related. The XXXX  was on me to ask about a program I knew nothing about. I am a tad old school in that I mail in my payments with the monthly stubs they allotted me. 

Again, according to multiple Navient representatives spoken to on XX/XX/XXXX, they were never required to show me options beyond what I was currently doing ( e.g. IDR plans, loan consolidation, PSLF qualification, etc. ). They were never required to look and see who my employer was and notice that they qualify as an employer for those seeking PSLF. So, because my loans were paid in full as of XX/XX/XXXX, my account was closed. They said there was nothing that they could do. 

I asked if they could reopen my account so I could consolidate and apply for XXXX, and they said they could but then my account would be 4 months overdue and it would appear negatively on my Credit Report. It would cause more harm than good. In that moment, I knew that they had the power to reopen my account and help me but they were choosing not to. 

The fact that they withheld information that could have been lifechanging to me and my family right before retirement is heartbreaking. 

Please help me? The fact that all of this correspondence through the years was in the Federal Mail has to account for something? 

I want my account reopened, I want to consolidate all of my loans to Direct Loans, I want to apply for PSLF as I have well over 120 payments, and then I want a payment pause started immediately while my account is being researched. If at all possible, I'd really appreciate having the payment pause initiated as of XX/XX/XXXX and forward. If I had known, I would have consolidated asap and participating in the payment pause / PSLF Waiver. 

Please help me? I'm going to be reaching out to Attorney General XXXX XXXX ( XXXX ) for assistance as well. Thank you for fighting the good fight. I don't want more, I just want fair. Public  Employees aren't rich and Navient took advantage of me and my lack of knowledge in this area. I help people for a living and my hope is that someone out there can help me now. 

Sincerely, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify through the physical verification of the original signed consumer contract, any and all accounts you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail, or email in fraudulent accounts. 
I demand to see verifiable proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX. On XX/XX/2021 I sent out letters to XXXX, XXXX, and experian to inform them of incorrect information on my credit report and asked them to validate the debt. They have yet to respond and the information has yet to be removed. the accounts in question are as follows : 1 ) Account : XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Opened : XXXX, XXXX Amount : {$620.00} 2 ) Account : XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Opened : XXXX, XXXX Amount : {$790.00} 3 ) Account : XXXX XXXX  Creditor : XXXX XXXX XXXX  Opened : XXXX, XXXX Amount : {$680.00}
Product: Debt collection

Somebody named XXXX from XXXX and phone number XXXX keeps calling to try and collect debt. She does not say what the debt is in relation to, and they have not sent me written notice of the debt. I have no unpaid debt and am not behind on payments for my mortgage, so this call is not legitimate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a credit alert on XX/XX/2022 stating someone just viewed my credit, I proceeded to add a Freeze on my credit report. I contacted XXXX on XX/XX/2022 after I noticed both inquiries from XXXX. of XXXX XXXX and XXXX XXXX that weren't mines and spoke with a Supervisor by the name of XXXX who suggested I fill out a FTC report and fax this form over to have the 2 inquiries removed from my reports. I sent over the FTC report with my I.D . and social security card and the inquiries are still on my reports.
Product: Credit card or prepaid card

COMENITY-XXXX  XXXX claims not receiving {$100.00} payment sent by XXXX XXXX XXXX XXXX 
XXXX reported sending payment, just not cashed. 
So, COMENITY claimed no check received, late fees will not be waived. I told them I was : XXXX ) Canceling the Credit Card and Account, XXXX ) Stopping payment on the check, since if the dont have it, it could be lost. And asked them to not cash the check as I was canceling the check. 
XXXX ) Sending a check for {$130.00}. 
About a weeks later, my bill pay showed the check for {$130.00} cleared my bank. 
A couple days later, I received notice from my bank that someone tried to cash the original check for {$100.00}, but was stopped as the check was reported lost. 
A couple weeks later ( today ) I received a bill for the returned check fee from the original check COMENITY tried to cash that they claimed they did not receive. 
They adamantly refuse to cancel the charge for the bounced check. 
At the time they tried to cash it, I owed them no money.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with Experian on XX/XX/15 and failed to complete within 30 days & reply.
Product: Checking or savings account

On XX/XX/XXXX, around XXXX, my debit card made 9 unauthorized fraudulent transactions in excess of {$720.00} dollars. I immediately acted, locking my card via the Wells Fargo portal and then called per their instructions found online. They indicated the claim was processed and within 10 days everything would be handled and a temporary credit would be issued. I waited patiently ... came back with XXXX dollars credit on charges I never disputed. I called 5 separate times for resolution. I needed help, so I went to the local bank I have been a loyal consumer for since 1998. The banker called 3 separate occasions, which took several hours each appt I had to set up. Eventually the bank manager stepped in. Fast forward to XX/XX/XXXX. No resolution, no follow up, nothing, just continue to wait 10 days sir. I had heard that over 3 times now. The manager was able to uncover the issue, which was that XXXX XXXX refused to refund the money to the bank, which means, me, the consumer was to take the loss. The entire reason I set up my account with XXXX, now Wells Fargo was because they ensured me my money was federally insured up to 150k for issues such as this. 

Please help me come to a resolve with this issue I am facing. As a result of these charges I am potentially at risk of defaulting on my personal financial obligations for issues outside of my control, but clearly stated on their website that I'm covered for by being a consumer with their establishment.
Product: Credit card or prepaid card

I opened a US BANK cash+ credit card under the banks strong recommendation on XX/XX/2017.  She told me I will get a {$150.00} new cardmember bonus after I spend {$500.00} in first 90 days. However, I have met that requirement for a long time. But I never received the bonus. I called the credit card service center once in XX/XX/2017. They told me they need more time to process my bonus with a visa gift card. But, still, I never received it. I have contacted the banker several times and she never responded to me.
Product: Credit card or prepaid card

ive never had any credit except when my husband bought a vechile from XXXX XXXXXXXX XXXX. but also im having a with problem with idenity theft.i believe the socail ive been using doesnt match with my criminal record neither which is misdeminors and XXXX. i have a hardship over my head for the last 16 years for spite and the childs been adopted since day one. best thing i could do at the time as a mother
Product: Credit reporting, credit repair services, or other personal consumer reports

experian credit agency called to get unauthorized inquiries removed and wouldnt remove them inquiries not authorized are XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/ XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
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 and XXXX was XX/XX/XXXX,, 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 items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX Balance : {$50.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$460.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I'am a victim of Identity Fraud. I contacted the Credit Bureau ( Experian, XXXX, XXXX XXXX and XXXX. To explain to them that I am a victim of Fraud and the numerous addresses, Phone numbers, social security numbers, alias and accounts reporting on my report were fraud and or don't belong to me. I provided police reports and requested them to provide proof that these accounts and information was indeed belonging to me. They never provided this information or deleted this inaccurate information.
Product: Credit reporting or other personal consumer reports

I started this issue with the XXXX  back in XX/XX/XXXX and it still has not been resolved. 

I am still waiting on the letter from XXXX XXXX as they once again reported me as delinquent but instead of in XX/XX/XXXX they changed it to XX/XX/XXXX. 

I have XXXX weeks to move and my and my kids now have no were to go because of this. 

I have contacted a lawyer, and plan to sue XXXX XXXX as they are unwilling to fix their issue. 

They have reported illegal information, this card had nothing at all to do with the bankruptcy, nothing at all, I do not understand why it is so hard for them to read. 

I will try again the XXXX XXXXXXXX was filed in XX/XX/XXXX, and XXXX in XX/XX/XXXX if the card was not open in XXXX it could not be included in the bankruptcy, it was illegal of them to closed the account using an old bankruptcy case. 

And no payments were late, as they refused to take a payment from me in XX/XX/XXXX this is all XXXX XXXX error. 

Attached is a new XXXX report showing the delinquency that XXXX XXXX report on XX/XX/XXXX.
Product: Checking or savings account

Bank of America has allowed fraud to continue on my savings and checking accounts. They will not return the money to us. Even after this, they cashed a {$9000.00} check on XX/XX/XXXX to someone posing as my husband. They claim that the {$9000.00} was given by a teller to the person in cash because we had enough to cover the check. However, if we had enough then why did this put us over {$7000.00} in a negative balance. 

The bank manager admitted that there are at leave 7 other people who had money stolen from their accounts. They have done nothing to stop this. Clearly they do not care and are an irresponsible bank. 

These are the previous transactions for which they refuse to reimburse us : On XX/XX/XXXX {$1000.00} was withdrawn by a teller and given to someone that was not me or my husband. 
On XX/XX/XXXX {$1500.00} was withdrawn from the ATM that was not me or my husband. 
On XX/XX/XXXX {$700.00} was withdrawn by a teller and given to someone that was not me or my husband. 
On XX/XX/XXXX {$600.00} was withdrawn by a teller and given to someone that was not me or my husband. 
On XX/XX/XXXX {$750.00} was withdrawn from the ATM that was not me or my husband. 
On XX/XX/XXXX {$500.00} was withdrawn from the ATM that was not me or my husband. 

If you bank with Bank of America, I suggest you remove your funds as quickly as possible before they give it away.
Product: Student loan

I qualify for an Income Drive Repayment Plan. I have a reminder set to apply every year on the same day. For the past few years, XXXX will take a very long time to process the IDRP. Once they process it, they will mark my account as having late payments for the previous year. My credit score will drop 100-150 points. It takes months to fix it with the credit bureaus and also with XXXX. They make me submit it 2-5 times every year. They will tell me I filled it out wrong and need to do it a different way. I'm sitting on 2 months now dealing with this issue this year. It's like this every single year.