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

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX  XXXX Cred Account # XXXX date opened XX/XX/XXXX bal. {$0.00}, Self financial/lead ba Account # XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX XXXX XXXX XXXX Account # XXXX date XXXX XXXX bal. {$0.00}, XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$0.00}, selfinc/lead Account # XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX Account # XXXX date opened XX/XX/XXXX bal. {$0.00}, World finance corporat Account # XXXX date opened XX/XX/XXXX bal. {$0.00}. Inquiries : 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

XX/XX/XXXX for the amount of $XXXX  then for the amount $XXXX  for collection lass time it update wasXX/XX/XXXX
Product: Debt collection

This phantom debt collection agency is calling my corporate cell phone number as well as the cell phones of my family members- my kids and XXXX  parents, threatening legal action and threatening to show up at my home or employer. This is illegal and must stop. Im so upset about these spam calls! If I owe a debt the normal course of process would be to send me a letter in the mail- of course there is nothing for this organization on my credit report, it is completely clean and I just bought a house. Please make this stop - thank you for your help.
Product: Credit reporting or other personal consumer reports

I just notice on my credit report that is certain items on my personal information that does not belong to my person. My correct name is XXXX XXXX, my right and only address is XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

pursuant to 15 U.S. Code 1681i - Procedure in case of disputed accuracy this is violation on the accuracy of this account in my credit report on transunion 15 usc 1691e ( b ) for maximum possible accuracy or 15 usc 1681i ( d ) for notification of deletion of disputed information. 

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. account XXXX. last date of activity XX/XX/XXXX past due amount XXXX XXXX 

XXXX  ACCOUNT : XXXX LAST DATE OF ACTIVITY XX/XX/XXXX 30 DAY LATE CLOSED ACCOUNT.
Product: Student loan

I am really struggling to pay back any of my student loans. I think when I started they were around XXXX now they are approaching XXXX. I will never be able to pay them back. I was not able to find a high paying job like they promised. I need help eliminating all of my student debt. It is hurting me getting car and house loans. Is there a way you can help me eliminate this debt completely? I am really struggling. Thank you for any help you can provide.
Product: Mortgage

My taxes and insurance has n't changed much at all over the years. However, my payment changes significantly every time their is an escrow analysis. Having a $ XXXX {$400.00} jump in the monthly payment is not insignificant and causes a change in lifestyle. It is frustrating to deal with Round Point Mortgage. They ca n't figure out the right amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX XXXX bankruptcy from 2015 that's discharged and almost of of the creditors included in that show up as negative on my reports. Also I have 3 collections that shows a balance due and It was in the middle of covid 19 and these places won't cut me no slack. How is a person like me supposed to get back to a great credit score? It's shameful and disheartening and most days I just wan na give up. You can see my current report and I paid XXXX XXXX to fix things but they did nothing for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a continuation of account number XXXX, submitted on XX/XX/2021 closed on XX/XX/2021. 

Although the letter received from the company ( Macy 's ) states that there indeed WAS a mistake and the account was duplicated and would be corrected, I have since received letters stating that there was not an error and no corrections would be made.
Product: Credit reporting or other personal consumer reports

I have an account with the merchant : XXXX XXXX. Their website is XXXX and the credit line is issued by XXXX XXXX. I have been making on time payments with the company since XX/XX/XXXX. In XXXX of XXXX, I called XXXX XXXX XXXX XXXX my payment plan to something more affordable and they obliged. I made the payments on my new plan with XXXX not missing any payments. I am attaching documents from my bank to show this. Then the company decided to document my account as 30 days late in XX/XX/XXXX in spite of the fact that I made all payments on time according to my plan. I disputed this with the credit bureau Trans Union. In the Trans Union report dated XX/XX/XXXX the company XXXX XXXX acknowledged my dispute and stated on my Trans Union report : INVESTIGATION RESULTS-DISPUTED INFORMATION UPDATED and OTHER INFORMATION UPDATED : A change was made to the item ( s ) based on your dispute and other information has also changed. 

The above statement indicates that the company XXXX XXXX acknowledged that my dispute was accurate. However, Trans Union DID NOT change my credit report and they are still showing a 30 day late payment in XX/XX/XXXX. Trans Union needs to delete the 30 day late payment that they are showing in XXXX of XXXX due to company acknowledging that my dispute is accurate. I am uploading all documents as evidence.
Product: Debt collection

How is it possible that an account that was supposed to have been settled with XXXX XXXX XXXX almost three years ago is now appearing on my credit report in collection with a derogatory remark. I consolidated all of my outstanding debt almost three years ago, and have not had anything negative on my credit report since. 

XXXX XXXX XXXX settled my Wayfair credit card account again, almost three years ago. I have not received anything regarding an outstanding balance or owed amount since it was settled. 
Recently I applied for lower rent apartment and was denied due to a derogatory remark on my credit report. I had no idea what this could have been. 

I looked up my credit history and it reads that a Wayfair account was opened XX/XX/2020, and the owed amount is XXXX I never reopened this account, and did not charge this amount of money. 

Apparently another company XXXX took over Wayfair, and does not have record of my closed account from three years ago. Regardless, I never charged XXXX, never reopened this account, nor have never received any notification that I owed anything because as far as I knew this account was closed and settled. 

I called XXXX ( XXXX ) to try to get this corrected, but there was no resolution and they are saying I owe {$4300.00} which is an amount I never charged. I didn't even have a credit limit for this amount from over three years ago. My credit report is reading that I opened this account XXXX XXXX and have not paid in 8 months - this is absolutely not true. 

I can not understand how I finally got out of debt and have been building up my credit for almost three years, then this appears on my credit report from XXXX company. How is this legal. This company prevented me from moving into an affordable apartment with my son. This one company destroyed my credit - how can this be acceptable. I am a single mom who pays my bills and takes care of my son. What gives this company the right to be able to apply this to my credit report??? Even if by chance the debt consolidator did not settle this once account, shouldn't I have received a bill, notice from Wayfair???? I never once received any notification so how is it possible this company is allowed to destroy my credit in a split second when I have spent three years building it up. With COVID and all the negative in this world, I actually had one positive - a potential affordable home, but because XXXX added an account as opened XXXX XXXX stating has not been paid in 8 months I lost my opportunity. Again, I never opened this account XXXX XXXX, nor have I ever owed this amount of money. At this point I do not know if I need to take legal action for ruining my credit, illegal allegations, lost opportunity for a secure home, XXXX XXXX now XXXX. This is really just terrible, and very upsetting. 

I am hoping you can help in getting this resolved. 

Thank you for your time Stay safe XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, Coinbase locked my account for no reason. I would like to withdraw my money and they do not let me. They are telling me that my money will be on hold for 30 days. Many people are complaining about this, and there was a recent article Regarding Coinbase using peoples cryptocurrency in fraudulent ways, such as issuing IOUs, when people purchase, XXXX, or when institutions purchase XXXX. They are not giving me any reason. They dont provide phone support and I am losing money daily because of this. at first, they told me it was because I linked the business account, but Ive never linked a business account and that is a lie. Then they told me they were mistaken, and that is not why. And since then Ive gotten no reason. I have had this account for a long time. I have verified at least three times with photo ID and doing a phone interview.
Product: Checking or savings account

I went through a situation today that is hard to understand from a common sense perspective and a customer service perspective. I opened a bank account last Friday with TD bank and attempted to deposit my payroll into this account. Today i was not paid and after constant discussion with TD Bank i was told that not only was my account flagged last week for identity fraud but my payroll was also returned to my job the day before i called. TD Bank sent no correspondence about any of this and if i had not called i would not have known anything. I asked them to send me correspondence explaining all of this and they informed me that they couldnt. I was informed that i would not have known the account was flagged until i tried to use it which is the most absurd thing Ive heard regarding banks and money. I cant know my bank account doesnt work until i actually try to deposit a large paycheck into it? Insanity. Due to this issue i am missing a huge amount of my paycheck and now i have to return to my employer and get them to do an emergency deposit to my main checking account for the remaining amount which only delays me paying my bills and such even more.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Debt collection

Enhancement Recovery Co is reporting a debt of {$470.00} on a debt previously removed due to an account in my ex spouses name reporting by another collection agency
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, who is submitting this CFPB complaint, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX XXXX Balance : {$1600.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this account has violated my rights. 

WHATEVER THE ACCOUNT IS : XXXX XXXX XXXX XXXX XXXX XXXX section 602 A. States that I have a right to privacy. 
15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

transunion, XXXX  and XXXX  has a collection on my reports. thats not mine and they refuse to remove or delete. 
XXXX XXXX XXXX this account is not mine. 
i was not notified of this account. i was not asked to validate if this account was in fact mine. there is no signed contract between me and XXXX XXXX XXXX. with my wet ink signature stating i was/in agreement to pay this collection. this collection is not mine. must belong to someone else with the same name. i couldve been involved in some sort of data breach or cyber hack.
Product: Mortgage

On XX/XX/2020 we signed on our VA refinance loan with PennyMac,  and set a closing date for our paperwork on XX/XX/XXXX. Penny Mac cancelled that closing due to an error in their calculation of our taxes, and did not let us know that they cancelled. We have spent the last 24 days calling every departemnt to help us, and no one can help put in the correct numbers. 24 days since be were to close, and we are about to loose the rate we locked into for the refinance, and no one can seem to help or call us back from PennyMac.
Product: Consumer Loan

On several occasions as a borrower, I have attempted to call both the local and head offices of this company, CashNetUSA, to find out what my balance was. I may have done this within just a few days of my last payment, but was told that information was not available to me. I would have to wait until the close of the next billing cycle in case there are " changes. '' I argued that there are changes all the time to the balances in my checking account, and the bank has no problem making those real-time immediate updates. 

During XXXX of my inquiries, when I wanted to know what my balance would be in about XXXX weeks from that date IF I did NOT use my flex loan amount to take out any funds from my account. 

I could not be provided that information either, but evidently the representative was slightly rattled and " almost ' '' told me what my balance would be on that date if n further transactions occurred. 

Seems t me if banks and credit card companies and and DO provide this up to the minute, real time financial data to it 's customers, there is no reason CashNetUSA could not do the same thing. 

What was the purpose, I wanted to know, in this " XXXX '' the company kept from it 's customers? As I saw it, the customer had the right AT ALL TIMES to know what their actual balance was. 

I got nowhere on any of my attempts and so I am brining my complaint to you. 

Frankly, I think CashNetUSA is taking liberties with the funds of its customers, but with so little forward and backward account documentation to go on, it is hard to tell. 

Is that perhaps, by design??
Product: Credit reporting, credit repair services, or other personal consumer reports

In America through its constitution, laws and understanding of knowledge. We all have an equal chance to better ourselves through action. With that said, in accordance with the Fair Credit Reporting act, the List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
The accounts below have violated my rights, it isn't fair to publicize someone's information unwillingly as they are learning and growing in a society that continues to bumbard us with countless hidden fees and many of contracts with unconscious terms in fine print. 
XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX  Acct # XXXX XXXX Acct # XXXX XXXX  Acct # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I was in XXXX XXXX and was approached by a sales rep that said he worked for XXXX XXXX by the name of XXXX XXXX. He told me about a few specials they were having with their service so after a couple of hours of being in the store I finally decided to get the service it was a bundle package with the internet. I was told that XXXX XXXX XXXX merged with them. I was not told that XXXX XXXX XXXX was going to pull my credit as well as them. I was told in the beginning that only XXXX XXXX would run it but afterwards i get a notification that XXXX XXXX XXXX ran my credit not just one time but they ran it 3 times. each time i called to find out what was going on they ran my credit and instead of removing it from my Credit report they informed me to just dispute the inquiries because I did n't authorization nobody at their company to run My credit 3 times.
Product: Credit card or prepaid card

synchrony bank credit card -home and paypal Threatening collection letters from XXXX XXXX claiming I need to contact them. I reached out after over 40minut3s XXXX XXXX transferred call to collection dept both saying each others issue. Can not resolve collections forbearance and civid aid to help during pandemic. No job no income all debts have to be in forbearance for now trying not to file bk and settle all legal actions and collections but keep getting run around all attempts over 4 attempts all over 45 minutes before frustration and continued transfers result in giving up. No help by creditor
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's 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 recovering 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. 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 recovering 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. 
This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.a
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a hard inquiry on my XXXX credit report from Ginny 's XXXX for credit that I did not apply for. The inquiry is dated XX/XX/22. 

Ginny 's XXXX is unable to dispute the inquiry because they can not find the account. They tried looking up my zip code, social security number, present and past addresses and still say they can not locate the account so they can not dispute the inquiry. How are they able to issue credit with just my name and no other information? That being said, if all they need to issue credit is my name, they can dispute this fraudulent inquiry with just my name. 
How is a company like Ginny 's able to issue credit with just my name? How would they verify the legitimacy of any application with just a name? If they were collecting any other information to verify a person 's identity they would have at least some of my information and would be able to dispute this inquiry.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handlings 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 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 scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.