23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Hello, I have 14 different student loans that are showing 90 days late on XXXX, XXXX. This information is not correct. My student loans have always been deferred, forebearance or on an income based repayment plan. I have made all required payments, on time. I have submitted all necessary paper work, when they ask, however they ask for it. But they still have not updated my credit reports to show accurately. I believe this is some sort of agent error. Of which they are commonly known for ( example : I filed for a deferment recently, and it was DENIED because according to them, I have loans disbursed before XXXX, which is impossible because I was only XXXX years old in XXXX. *this issue has been handled. Just using it as an example of THEIR error ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing an account ( XXXX XXXX ) with Experian for more than 6 months. The account has been reported as closed with no monthly payments. I've provided Experian with a copy of my agreement showing that it's a revolving account, opened till XXXX of 2020 and the monthly payment is listed. I've provided statements from my bank showing payments made. I've disputed multiple alleged COs or FPs ( failure to pay ). The Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 and following ) requires consumer reporting agencies ( CRAs ) to adopt reasonable procedures for gathering, maintaining, and distributing information and sets accuracy standards for creditors that provide information to CRAs. Unscrupulous companies like XXXX, who has been deemed illegal by the Supreme Court of California, should not be allowed by Experian or CRAs to use false reporting as a tool for financial bullying. An Information Supplier who is constantly making false report should be removed. Back in XXXX, Experian did delete the account. Then it was back on my report as a delinquent / Negative / Closed account, when I'm making payments every month. I'm caught in a vicious circle of dispute after dispute, update after update and need a final solution.
Product: Credit card

I am writing to file a formal complaint against Citibank for what I believe to be discriminatory practices that have affected not only myself but potentially countless other consumers in my industry. My concerns are rooted in both the unjust closure of my credit card accounts and the broader context of similar actions reportedly taken by Citibank against other individuals under questionable circumstances. 

As a longstanding Citibank customer of over 10 years, I have always maintained my accounts in excellent standing. Despite this, Citibank abruptly closed all of my credit card accounts without prior notification or a clear explanation. The only conceivable reason for this action appears to be my investment within the legal and state-regulated cannabis industry. This rationale for closing my accounts is not only discriminatory but also a punitive measure against my lawful employment. Over 100 people I have spoke to in IL have had their accounts suddenly closed with no explanation. No other financial institution has done this. 

Furthermore, there is reason to suspect that these closures may also be influenced by discriminatory practices potentially based on personal data, including my name or other identifiers, given Citibanks history and ongoing lawsuits alleging similar behavior. Such actions suggest a pattern of behavior where Citibank may be systematically targeting individuals based on their association with the cannabis industry or other discriminatory criteria. 

Context of Wider Issues : Citibank is currently facing multiple lawsuits alleging discriminatory practices. These lawsuits suggest a troubling pattern that aligns with my experience, indicating that my case is not isolated but part of a broader, systemic issue within the banks operations. This raises significant concerns about Citibank 's compliance with federal regulations designed to protect consumers from such discrimination. 

Impact and Request for Action : The closure of my accounts has not only caused significant personal inconvenience and financial disruption but also the forfeiture of accumulated rewards without recourse. This action has implications for my financial stability and credit rating, adding to the urgency of this complaint. 

Given the severity of these allegations and the potential violation of consumer rights, I urge the Consumer Financial Protection Bureau to : Conduct a thorough investigation into Citibanks practices regarding account closures. 
Assess the legality of Citibanks actions in the context of federal anti-discrimination laws. 

Take appropriate actions to ensure that affected consumers, including myself, are afforded justice and that such discriminatory practices are halted. 

I am prepared to provide any further information needed for this investigation and eagerly await your response on how this serious matter will be addressed. 

Thank you for your attention to this critical issue. I look forward to your prompt and decisive action.
Product: Credit card

Fall of XXXX, I applied and received XXXX Capital One credit cards. Less than a week after they arrived, I was contacted by Capital One to notify me of an internal breach and that new cards will be issued. The new cards were received and I began to use them for my XXXX businesses. XXXX XXXX, I was contacted by a collection agency asking for payment on a {$5000.00} loan taken out in my name in XXXX XXXX from XXXX. After a lengthy conversation with the collection agency personnel, I was told to go and file a police report and freeze my credit with the XXXX agencies to reduce the chance of this happening again. I went to the police department and filed a report and had my credit access frozen for 7 years. Shortly after, both Captial One credit cards were frozen and phone calls and letters were sent between a Capital One representative regarding this. I was asked to complete a form authorizing their auto-withdrawal of the current balance from my checking account on file, which was completed. When I asked when I would receive new cards, I was told that would occur later. The XXXX statements showed interest payments owed because Capital One did not take the auto payment out when the cards were frozen by Capital One. 1 ) I asked the interest be removed given it was Capital One who stopped the auto pay from the checking account. 2 ) I asked for new cards to be issued when Capital One decided to freeze my use even though I paid them off in full each month and never missed a payment and have over XXXX FICO score. I was told this evening by the Capital One representative that my accounts were set up as payment only and that I would need to re-apply for credit cards. I expressed my disappointment that Capital One and it appears it is doing this to be punitive for identifying Capital One as the point when my identity was stolen last fall XXXX in the police report. Since the Capital One internal breach someone has been trying to open numerous bank accounts throughout the country. It is not my doing that Capital One had customer data compromised by XXXX of its employees as was told to me by the first notification and announced in the business news.
Product: Money transfer, virtual currency, or money service

I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. The CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps. 

Publishing this description will not affect how the CFPB handles your complaint.
Product: Credit reporting or other personal consumer reports

Dear Credit Reporting Agency Pursuant to 1692g, i am requesting the Method of Verification for the following disputed account ( s ) : XXXX XXXX XXXX XXXX Account name XXXX XXXX  Account number XXXX Account name XXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX This is in accordance with the Fair Credit Reporting Act 611 ( a ) ( 7 ). This is not a request for a reinvestigation of the previous dispute. 
This is rather a request for a Method of Verification where the following items should be provided to ensure the validity of the account ( s ).

Please provide the following items : identify item ( s ) by the name of source, such as creditor or tax court, and identify type of item, such as credit account, judgment, etc. 
1. The name of the original creditor 2. The creditors address and telephone number 3. The persons name they verified the dispute with 4. The documentation used to verify the dispute if you are unable to respond in a timely manner and provide the above items, please delete the account ( s ) from my credit report to prevent further damage. 
Best Regards, XXXX : XXXX XXXX XXXX ] Without Prejudice, All Natural Inalienable Rights Reserved
Product: Credit reporting, credit repair services, or other personal consumer reports

These Fraudulent accounts has affected my life and has caused me to lose out on life changing opportunity. I just recently learned about credit, credit report and what your scores mean last year. When I finally checked I seen a lot of accounts I have never seen before or knew they were opened in my name and has caused my score to be extremely low! When I was in the XXXX  from XXXX, I heard of people stealing others information and committing fraud, but I never knew it would happen to me until I seen for myself. The credit card Fraudulent Accounts are : ( XXXX XXXX XXXX ( XXXX XXXX has multiple account numbers ). ( XXXX XXXX ). ( XXXX XXXX XXXX Car loan fraud account : XXXX XXXX Services XXXX XXXX XXXX XXXX account : XXXX XXXX XXXX XXXX XXXXXXXX. I would like immediate removal of all Fraud accounts on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is showing my credit score at XXXX. XXXX XXXXXXXX credit card was closed due to me being reported as deceased. I am unsure if this had anything to do with XXXX XXXX.
Product: Debt collection

Asst Acceptance LLC purchased my credit card debt from the XXXX XXXX XXXX XXXX. I filed bankruptcy and XXXX purchased the debt. They refused to correspond with me to send statements that the money I paid them was being applied to the debt. They also charged interest and refused to credit the payments to the debt.
Product: Credit card or prepaid card

On XX/XX/2021. I went online to pay towards my Synchrony Amazon Store Card and discovered that the bank closed my account. I called the toll free number listed on the site and asked why was my account closed? The Rep. mentioned that they have an automated system that automatically closes accounts with missed payments, NSF Fund checks, etc. 
A couple weeks before above date. On XX/XX/2021, my bank had a hard time locating my account because of potential fraud. They temporarily blocked my account activity for further investigation. That incident caused 2 balances I made on my Amazon account to not go through. Although, I immediately paid to cover those amounts. Never a late or missed payment. Even paid sometimes TWICE a month. I feel like I was penalized due to a glitch that was not my fault.

I asked to speak to a Supervisor and XXXX ID # XXXX came to the phone. He looked over my account and acknowledged that I had been a customer who's had an account for over 8+ years. Paid on time and assured me that he wouldn't report the Closed Account to the Credit Bureaus. He knew that I was in the middle of financing my home and needed my Fico Score to be good standing in order to move forward. 
XX/XX/2021. I received emails from XXXX and XXXX XXXX letting me know that an Alert was added for a Closed Account that was reported by Synchrony Bank. 
These people are dishonest and don't care about ruining their customers credit for no good reason. My account had an unpaid balance of {$4900.00} that I was paying on. Although, the Interest Fees are very high. Never missed a payment and now my Utilization Percentage is going to compromise my score. 
What Synchrony could have done was allow me to pay off the credit card without reporting it as closed so that I could have kept my scores up. I do not want to re-open my account but at least have the chance to continue payment without ruining my credit. It would be fair if they could reverse the report from the credit bureaus to allow me to do.

I had another card with Synchrony for The XXXX XXXX. They also closed that account for no reason. I had paid it off in full ( {$3500.00} XXXX but they could've reported that to XXXX  as a card that had good standing which would have boosted my credit score.
Product: Credit reporting or other personal consumer reports

Payment history/late payments is inaccurate and contradict my records and that of the other bureaus. report also contradicts XXXX own reporting from my credit report pull and what they actually carry on their website. 
I am losing patience with the computer-generated replies I have got. If the information is not immediately reinvestigated and removed, I will be forced to seek legal advice and submit complaints with regulatory enforcement organizations such as the Consumer Financial Protection Bureau, the Federal Trade Commission, and my state attorney general. 
Remove this incorrect information at once and send me an updated copy of my credit history report. 

account number XXXX account name XXXX XXXX  account number XXXX account name XXXX XXXX reporting on credit Karma website from data pulled from XXXX shows that I have 3 missed payment on my auto loan with XXXX XXXX and 5 missed payments with XXXX XXXX account number XXXX. This information is in accurate, I requested my annual credit report and it has different information reported on it which is in line with my records as well. I have XXXX missed payments with XXXX XXXX and 1 missed payment with XXXX. 
I will attach screenshots of my credit karma report as well as of my XXXX XXXX pull  report so you see your inconsistency I will will forward this to credit karma as well for investigation and correction and if this is not adjusted or reported correctly i will be forced to take legal action against you
Product: Credit reporting or other personal consumer reports

I have thoroughly reviewed my credit report and can confirm that I did not authorize this inquiry. As a responsible consumer, I am vigilant about monitoring my credit activity and only authorize hard inquiries when necessary. However, I have no record of initiating or consenting to this particular inquiry.
Product: Credit reporting or other personal consumer reports

I'm writing to communicate my XXXX  with respect to the contested records on my credit report. On numerous occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Notwithstanding my endeavors, I still can't seem to get any goal or restorative activity. These mistaken records are seriously harming my credit document and blocking my capacity to carry on with an ordinary life. The adverse consequences of these mistakes have caused monstrous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is happening at the earliest opportunity. I sympathetically demand that you direct a careful examination concerning the detailing of every one of these contested records. It is basic that the vital advances are taken to refresh and correct my credit report immediately. With your assistance, I desire to reestablish the exactness and uprightness of my credit record so I might recover command over my monetary prosperity. I truly encourage you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue expeditiously would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.
Product: Money transfer, virtual currency, or money service

I want to express my concerns about how Bank of America handles unpaired payments. Instead of rejecting such a payment, Bank of America accepts the payment, reduces its amount for a fee and wires another transfer back to the original bank. 

This process takes days and leads to a charge for an accepted international payment, charge for sending money, and another charge for an international payment back to the original bank. For an international payment a typo in a secondary identification next to account number ( such as name or address ) can cost close to {$100.00}. 

On the contrary, rejecting such a payment is instant and free of charge. Accepting such a payment might go against regulatory compliance and could be considered exploitative and not in the best interest of clients.
Product: Credit reporting or other personal consumer reports

I saw that my credit report contains some accounts that I do not recognize. To be specific, there are inaccurate accounts on my credit report that I do not have any idea of so please check the documents that I've sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX has found that Experian has violated my rights as a consumer. I viewed my credit profile and notice several improper usage that took place. I am notifying Experian that I am sending a warning with a Letter of Intent certified in the mail and I will take action to litigate this matter immediately. 1. Pursuant 15 usc 1681 ( c ) ( a ) 2. Pursuant 15 usc 1681 b. I did not provide Experian nor any debtor permission to view, pull or place any information on to my credit report. I am the original creditor. I didnt personally contact Experian through mail with no documents stating that I am allowing my credit profile to be viewed or pull for any extension of credit with XXXX XXXX. Legally I must send in a legal document stating that I am allowing permission but I never did and Experian does not have a legal documents with my signature stating such fact. I am seeking compensation for damages youve cost for years. The accounts that is listed on my credit report XXXX XXXX # XXXX XX/XX/XXXX ) XXXX XXXX # XXXX XX/XX/XXXX ) XXXX XXXX XX/XX/XXXX XXXX ) which I didnt give anyone debtor nor credit bureau permission to pull my credit. I have attached the images along with documents of an invoice for compensation of damages. We can settle this out of court and I am only allowing 5 calendar days for this information to be removed immediately and permanently. If for any reason my credit report is used without my permission in the future I will file a law suit triple the amount of compensation I will be seeking. I am only allowing 72 hrs for deletion due to violation of Pursuant 15 usc 1681.
Product: Debt collection

On or about XX/XX/19, Jefferson Capital Systems appeared on my credit report as a creditor trying to collect an alleged debt to {$20000.00} for the account number XXXX. I received no communication of this entity acquiring by transfer, assignment etc, the alleged amount in incorrect and I have a letter from XXXX showing a lesser amount owed. These are violations of the FDCPA and the FCRA, of which I have the private right to bring a suit against all parties. This has negatively affected my ability to obtain reasonable interest rates on future financial products. There is also identity theft due to the fact that my personal information, to include social security account, has been possibly breached without my authorization.
Product: Checking or savings account

Many years ago I set up overdraft protection on my USAA checking account with my savings account protecting. I have never had to use the overdraft protection in the 20+ years until recently. I was a little short on a bill and my HOA was told there was non sufficient funds. 

When I called USAA to find out why I had non sufficient funds when I had overdraft protection. I was informed that my checking account was only protecting my savings account. Not the way I told them to set it up. Why would I set it up that way when I write checks every month and I only add to my savings account? I know I wouldn't do that. I was charged a returned check fee from my HOA. I have been unable to reach a supervisor from USAA to discuss.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that rocovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's 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 scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Select Portfolio Servicing , Inc., as of yesterday evening, XX/XX/year>, is continuing to proceed with the foreclosure sale date of XX/XX/year>, while I have a ratified contract scheduled to go to settlement on XX/XX/year>. If SPS is allowed to foreclose on my property, I will lose over {$150000.00} dollars, which I desperately need to help support myself, as I am going through a marital separation. I am XXXX XXXX XXXX, a XXXX XXXXXXXX XXXX woman who needs every XXXX XXXX to survive, as my only income is Social Security. SPS knows this, as I have expressed that I need to sell my home for these reasons. I need the CFPB help! SPS says they are not discriminating and attempting to help me ; however, their actions are not reflective of their words. How does forcing a foreclosure sale when it can be postponed for 30 days to allow closing, receive a total payoff, and I can actually receive the equity due to me from the sale? These are predatory practices when the Lender is claiming to help you and doing all they can to only proceed and complete the worse possible action. I am being robbed of my lively hood. I know SPS has violated the ECOA and Predatory Lending. This is a clear case of bait and switch and equity stripping! Please help a XXXX citizen live out her remaining years in peace. I am just attempting to sale my home, pay SPS off and receive my equity. PLEASE HELP!!!