23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

The problem is first of all I have been told that I should not be the one responsible for my son 's loan as a co signer for Navient. I want to be taken out as a co signer. When he took out the loan he was not an adult to be responsible for a loan. Then I paid interest on it since the loan was taken out. This goes back to XX/XX/2012.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received alert from XXXX that a hard inquiry was made. 
I know this did not happen, I have not applied or attempted to open anything or made any changes. I was also out of the country on the date of XX/XX/XXXX and XX/XX/XXXX, which is when the inquiry was made and reported. My credit score was decreased from this hard inquiry, which is fraudulent. 
Called Experian and they told me to call Transunion, who would have more information. I called Transunion and they can contact the company ( XXXX in XXXX, WI ). I called this company with the phone # on the report and spoke with customer service. The XXXX agent did not have any information to share. I answered many questions for them and was transferred to a supervisor. After that no one came on the phone and holding I was disconnected.
Product: Checking or savings account

In XXXX of 2018 I called my bank requesting a cancellation of my debit card due to unauthorized charges by a merchant i cancelled services with. The bank, in their response, asked me to go into my nearest branch and cancel the card and request a new card ( which would take about 7 days ). I went into my local branch to make the change and was told the card was cancelled and that a new card would be sent. In XXXX I was again received unauthorized charges to my card by the same merchant ; I then contacted my bank and alerted them to the problem and they claimed the teller never cancelled the old card and that it was still opened, even at that moment. The bank then told me that they were cancelling the card and that they would open an investigation on the merchant. I explained that at this point the issue was not with the merchant, but with them for not executing the cancellation, and that i wanted my money back. They complied and reversed the charges, then sent a letter confirming their actions. I just went into my account and saw, that again, they reversed the money originally taken out of my account, siding with the merchant, even though it was their error of not cancelling the card. I requested to speak to a manager or someone with higher authority to deal with this issue, yet they are sending me in circles without any resolve.
Product: Debt collection

I had an on the job injury involving my XXXX XXXX. I was given a claim number regarding my injury through XXXX, Department of Labor. My Doctor ordered an XXXX at XXXX XXXX XXXX XXXX XXXX  approximately XX/XX/XXXX. The bill was never paid by the Department of Labor because if an incorrect code on the bill. I started to receive letters saying I either pay the bill or it goes to collections. I have called both XXXX XXXX on numerous occasions as well as 3 way calls with my Human Resources dept with XXXX XXXX. The last conversation with XXXX XXXX was approximately XX/XX/XXXX and I was told that the Department of labor paid the bill of {$1200.00} but there was a banking issue with them receiving the funds. I was told that same conversation that I would be taken off the collections effort by Emerald Ar collections. I asked for a receipt of this transaction either by mail or email and the person I spoke with said they would proof that the situation was handled and it was in their hands to get the banking issue resolved. I have spoken with the DOL and they claim they paid the bill as well. 
The debt collector Emerald Ar collections just charged off the entire amount {$1200.00} to my impeccable credit lowering it about 60 points as of XX/XX/XXXX. 
XXXX XXXX Is located XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX, phone ( XXXX ) XXXX Emerald Ar Collections phone ( XXXX ) XXXX. Please help me in this matter as I dont know what else I can do. Thank you for your time. Respectfully.
Product: Vehicle loan or lease

Wells Fargo has locked me out of my online portals, and even upon calling to fix they haven't done it in a year. I am unable to look at my car loan, to even see what I owe, or make payments the easy way. This has been on ongoing issue for such a long time, and once my car was repossessed due to not being able to see my payments. I since got the car back, but it cost me {$1400.00} due to their negligence.
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  : Account # XXXX has violated my rights. 

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 card or prepaid card

I was XXXX from XX/XX/XXXX until XX/XX/2020. during that time my apt was broken into and.was robbed. My purse with my wallet, with all my cards, and my cell phone was among the many items that were stolen from my place i immediately called and reported them stolen and was informed that there was activity on them .I went and filed police report .I listed the cards that were stolen but was informed that I needed to call the banks the cards belonged too .I did so and direct Express sent me paper work which I filed out and faxed back I was then sent a response back denying my claim
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my Trans Union credit report, and I noticed some late payments posted on my credit report from XXXX XXXX Dates XXXX of XXXX, XXXX, XXXX, XXXX, XXXX Dated XXXX of XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Dated XXXX of XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Trans Union is in clear violation of the law. Under 15 USC 1681B permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting angency may funish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instruction of the consumer to whom it relates. 
I did not give Trans Union written instructions to furnish this on my report. 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS Execept as provided in paragraph ( 3 ), the term " consumer report '' does not Include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as an transactions or experiences between the Consumer and the person Making the the report. Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.
Product: Credit reporting or other personal consumer reports

My experian, XXXX and XXXX credit report show incorrect information. I do not have job and I'm unemployed. Please make sure it says I'm unemployed
Product: Debt collection

I have submitted complaint ( s ) against this company and provided plenty of notices/Affidavits with lots of evidence but they still claim that I owe this alleged debt. They have also not provided me with the remedy I am entitled to and they may or may not have ignored my Cease and Desist that I've recently sent to them. 
Attached is my XXXX Filing Search Results Report from the XXXX of XXXX XXXX XXXX XXXX  which shows there are no commercial Liens filed against my name. This company has been collecting debt without properly obtaining judgement or proof of verification of judgement, and have not submitted a public filing via XXXX with the Secretary of State. 
This is my last warning before I proceed to bringing legal action against them.
Product: Debt collection

In XXXX, I was living in an apartment for about 8 months, when I had to leave before the lease was up due to an abusive relationship and hostile living environment. I was contacted about a 8 months later from IQ data international. They called repeatedly until I answered and explained that I had this debt I needed to pay. They refused to allow me to do payment arrangements on a {$3500.00} charge until another 6 months later after repeated calls. Eventually, I paid {$1700.00} to get them off my back until they started calling my job and one individual cussed me out when I explained to him he was harassing me. 

Now, in XXXX of XXXX, almost 3 and a half years later, I have received a call once again regarding this issue. I explained to the woman, that they never attempted to contact me after the incident involving the harassment. Nor have they sent me any legit account information. She insisted that they did. I then told her why would they be calling all of this time later, and she relayed, that theres no statute of limitations on collecting a debt. Unfortunately, I work in a law office now and was able to research that in fact there are statutes of limitations on collecting debts. 

Ive never received any notice or written agreements regarding this debt nor paying what they are asking for. I did write a letter to the agency, asking for documentation and any conversations relating to this debt. I am eagerly waiting for their response as they have been given until XX/XX/XXXX, to forward any documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$730.00} XXXX XXXX XXXX  ( Original creditor : XXXX XXXX XXXX  XXXX XXXX. ) XXXX Balance : {$690.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX  XXXX XXXX. ) XXXX Balance : {$140.00} XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Money transfer, virtual currency, or money service

On XXXX XXXX,2021 I opened a money transfer using RIA. the transfer 's order number, XXXX, XXXX for XXXX XXXX XXXX located in XXXX XXXX XXXX On the XXXX XX/XX/ 2021, or the next day, Saturday I canceled the Money Transfer. The amount of the money transfer was {$100.00} plus a fee of {$6.00}. 

At the time of the cancellation, I was told the money would be available in 40 mins. I went to the storefront I purchased the transfer, XXXX XXXXXXXX XXXX XXXX XXXXXXXX NY XXXX.on Sunday the XXXX 2021 to pick up my funds. I was told by the clerk that the funds were not yet available. I began calling Ria almost daily from Monday the XXXX to today, the XXXX. to get an update on the funds. Each time I am told that the bank in XXXX has not released the funds.. Today when I called I received the same reason and that the funds were not available. When I told the operator or agent that I was thinking of placing a complaint, FTC, I was told that the funds were ready for pick up. I am going to the storefront to see if my funds are available
Product: Checking or savings account

I opened an account with Synchrony while I was single. I then got married and added my husbands XXXX XXXX  account as an external account to my Synchrony account and made deposits from his XXXX XXXX  Account ( on XXXX ). The deposits were accepted by Synchrony, but then they suspended the account ( on XXXX ) due to suspicious activity of adding my husbands external account ( after they accepted the deposits - If this was an issue, they should not have accepted the deposit ). But when trying to move the money back into his XXXX XXXX  account ( as advised by Synchrony, on XX/XX/XXXX ), they restricted the account and would not move things along after calling XXXX times and speaking to multiple managers. Causing an insane amount of stress as now, all of our money was being withheld from us despite having credit card bills from our wedding, a new house and mortgage payment, etc. I have never paid a late credit card bill, nor have I ever not had the required amount of fund to purchase things/pay a bill. Now, all of our money is in the Synchrony account and unable to be transferred due to the account still being under review ( we have also requested this to be expedited on XX/XX/XXXX, and we are still waiting on XX/XX/XXXX ). The lack of help we have received from Synchrony is painful, everyone keeps saying that it is moving as quickly as possible.
Product: Credit card

I have a closed capital one venture account, but recently Ive been receiving about another capital one credit account thats been opened up and is maxed out, thanks to XXXX XXXX 

So I gave capital one a call about the fraudulent account but apparently they only have records of my closed capital venture account. So I literally cant even get them to deal with this fraud account, even though its tied to my SSN. Please help
Product: Credit reporting

XXXX XXXX agency has submitted request to delete a XXXX collection account multiple times since XXXX of 2015. Equifax has failed to do so and will not accept multiple forms of written proof of the deletion request. Today I spent 56 minutes and received no help. I ultimately spoke with a supervisor names XXXX in the Office of Consumer Affairs for Equifax. She ( uselessly ) filed another dispute ( this is my 4th identical dispute ) despite having been supplied the information on multiple occasions by XXXX via the industry standard XXXX form. My new ( fourth ) dispute is XXXX. I have faxed written proof on several occasions myself. XXXX was rude and dismissive, often interrupting me to deliver her robotic canned speech. I understand the information must come from the credtitor/collection agency, and it has ... multiple times. I simply do not know what else to do at this point, so I am hopeful XXXX will take a CFPB complaint more seriously than that of her own customer ( I subscribe to Equifax monitoring ).
Product: Credit reporting or other personal consumer reports

LNNV I dont have any idea what or who this company is I requested information and never received. It
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE UNAUTHORIZED INQUIRIES AND AN ACCOUNT THAT IS NOT MINE
Product: Credit reporting, credit repair services, or other personal consumer reports

I never received a notice of sale!! The amount is incorrect!!! That is inaccurate information!!! The Credit Bureaus are reporting XXXX as a Repossession when originally it was a credit sale!!! Inaccurate information!! XXXX is reporting over {$13000.00} XXXX is reporting {$9700.00} and Experian is reporting {$9200.00} XXXX different amounts so how was this verified? Therefore its an error or a lie!! This could not have been verified properly if its XXXX different amounts!!! Also, I have enclosed documentation proving this is all inaccurate information based on all of the technicalities!! According to the FCRA!! I have the right to a fair credit report but if youre allegedly reporting this as a repossession then why are you still reporting late payments on my report? An error or a lie!! Therefore this should be immediately deleted off of my Report!! Also according to the Nevada of Limitations They Also violated Repo laws!! According to the FCRA it has to be reported XXXX percent accurate!! This is all inaccurate information therefore should be deleted off of my Report!!! Also this was an illegal repossession which took place on private property!!! They unlawfully trespassed on private property!! The repossession took place on XXXX XXXX XXXX!! Its no trespassing on private property!!! This is illegal in the state of Nevada!! Breech of Peace!!! I also have the right to an attorney if this is not immediately deleted off of my report!! The vehicle allegedly sold in auction for {$4300.00} according to XXXX yet they are reporting late payments but offered a settlement of {$5000.00} all inaccuracies and technicalities that should be deleted off of my Report immediately!! 
Please delete XXXX  Immediately!!
Product: Credit reporting or other personal consumer reports

15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' COMENITY BANK/TORRID, the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. 

Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization that I, the consumer, may have given you that was written, unwritten, verbal, or nonverbal per 15 USC 6802. Any and all consent to XXXX, XXXX, COMENITY BANK/TORRID whether it be verbal, non-verbal, written, implied or otherwise is revoked. According to 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit card

They lowered the balance, took it off of XXXX account but still show it on another. When it was on them for the absurd balance
Product: Credit reporting or other personal consumer reports

I disagree with these finding! I need an explanation.The wells Fargo account was closed and settled in XXXX! I have waited 7 long years for this to be finalized. And now they have extended to XXXX! What is the legal Findings? or corporate rule?
Product: Debt collection

Around XX/XX/2023 Debt collection company " VANCE & HUFFMAN LLC '' placed account in collections since then company is reaaging the account and updating the balance I have disputed this account with collection agency requesting to validate this account and verify information please delete this account for falsely reporting on my report.
Product: Credit card or prepaid card

I, XXXX XXXX is filing this complaint in response to Synovus Bank issue of XXXX XXXX XXXX. Synovus Bank has violated multiple laws under the Fair Credit Reporting Act. Synovus Bank is being abusive, deceptive, and unfair to consumers. 
Synovus Bank stated, The Privacy Notice, which is included with the Cardholder Agreement, provides detail about what Synovus Financial Corp. does with personal information. Synovus Bank also stated a customer may not Opt-Out of this portion of the Cardholder Agreement or the Privacy Notice. 
Congress says its REQUIRED that a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 
( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party. 
( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

Synovus Bank has violated my rights to privacy under XXXX XXXX. 
Synovus Bank did not disclose this information to me that is required by federal law. 
Synovus Bank knowingly and willfully withheld pertinent information regarding the disclosure of my information to affiliated and non-affiliated third parties. 
Synovus Bank knowingly and willfully withheld information that explained how I the consumer can exercise that nondisclosure option.
Product: Credit reporting

I have contacted this company several times as they are reporting my closed student loans with XXXX/XXXX/ and dept of ed closed with XXXX balance which should be showing in good standing on my report. instead they are showing negative on my report. They are being held against me even though the debt has been satisfied and should be reporting positively
Product: Money transfer, virtual currency, or money service

I am visiting to formally express my disappointed concerns regarding Zelles handling of disputes, most particularly in light of the recent CFPB lawsuit highlighting significant issues I myself have noticed with the platform. Despite using zelle numerous times and reporting discrepancies, my financial institution and zelle failed to thoroughly investigate my claims. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scam. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

XXXX Hospital sent my account to Financial Recoveries, a collections agency after I had been paying consistently on my account for 2-3 years, never missed a payment, and was never late. After many attempts to straighten this out, especially when they started reporting erroneous information to the credit bureaus, they are still reporting ( Financial Recoveries ) erroneous information. I sent documentation and proof of my payments to XXXX, XXXX, and XXXX. XXXX XXXX and XXXX took care of the issue, but XXXX is still letting this company report this information and it is wreaking havoc with my excellent credit history. I told Financial Recoveries that the information they are sending to XXXX is falsely accusing me of being " late '', they argued that that is not what it says, I told them I was looking at my credit report and that is indeed what is being reported, and still nothing is being done about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting the removal of  XXXX  judgments and  XXXX  bankruptcies  ( below ) o n my  XXXX  and other reports due to  Civil Case No.   XXXX ,   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    . I d id not know the source of their information on those judgments and bankruptcies and due to this  XXXX  has violated the FCRA. Please remove these judgments and bankruptcies. They sent letter with  XXXX   XXXX  verifying and I contacted them on  XXXX  and stated it was not.     Judgment  XXXX  AND  XXXX  Bankruptcies  XXXX   XXXX   XXXX  and  XXXX
Product: Checking or savings account

I opened a new checking account that comes with a {$500.00} bonus in XX/XX/XXXX. The term was to deposit and maintain at least $ XXXX, and the bonus would be deposited on or before XX/XX/XXXX. I didn't see it on XX/XX/XXXX, so I sent a secure message in the online banking. No response. Tried again on XX/XX/XXXX but still no one look into it. I called the number at the back of my debit card. A customer service looked in the system for 40 minutes and then asked me to go to a branch to try. I feel I'm being kicked like a ball and no one really wants to honor the promised term. I request deposit {$500.00} bonus to my account immediately. Please see all the supporting documents attached