23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions _______________ XXXX XXXX XXXX  -- -- XXXX Past Due : {$420.00} Comments : Customer disputed account - reported by subscriber. 
Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's internal collection department. 
Consumer disputes this account information Collection account _______________ XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Past Due : {$420.00} Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX Comments : Account information disputed by consumer, meets FCRA requirements _______________ XXXX ( Original Creditor : XXXX XXXX XXXX ) Past Due : {$430.00} XX/XX/XXXX Comments : Account information disputed by consumer, meets FCRA requirements Customer disputed account - reported by subscriber. 
Consumer disputes this account information Medical Subject has not satisfied debt. 
_______________ US DEPT ED ( 1 ) Past Due : {$18000.00} Last Reported : XX/XX/XXXX Comments : Collection Account Student loan permanently assigned to government Student loan permanently assign to government. 
Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's internal collection department. 
Student loan assigned to government Collection account _______________ US DEPT ED ( 2 ) Past Due : {$31000.00} XX/XX/XXXX Comments : Collection Account Student loan permanently assigned to government Student loan permanently assign to government. 
Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's internal collection department. 
Student loan assigned to government Collection account _______________ DEPTEDXXXX ( 1 ) Past Due : {$17000.00} XX/XX/XXXX XX/XX/XXXX Comments : Account closed due to transfer Account transferred or sold Student loan _______________ DEPTEDXXXX  ( 2 ) Past Due : {$28000.00} Comments : Account closed due to transfer Account transferred or sold Student loan _______________ US DEPT ED ( 3 ) {$5500.00} XX/XX/XXXX Comments : Collection Account Student loan permanently assigned to government Student loan permanently assign to government. 
Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's internal collection department. 
Student loan assigned to government Collection account _______________ US DEPT ED ( 4 ) Past Due : {$2500.00} XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Collection Account Student loan permanently assigned to government Student loan permanently assign to government. 
Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's internal collection department. 
Student loan assigned to government Collection account _______________
Product: Credit card or prepaid card

I made several attempts with representatives of JPMCB account # starting with XXXX XXXX XXXX XXXX XXXX, DE XXXX Ph # XXXX, Over the phone the agreed amount was XXXX, and a settlement letter in writing would be arriving soon. They stated they sent out the letter several times in the pass 2 months However, I never received it. So, I went to the local branch and had agent XXXX call them to confirm the agreement they did and instructed him to collect the money and later report to the three credit bureaus that the account was paid in full. When I checked rep stated no payment had been posted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the inaccurate information multiple times. I have also reached out telephonically as well as by letter requesting statements being mailed out to me to verify all transactions and validity. not one vendor or creditor sent out any statements via my request and this was verified by the postmaster of my local post office where I get mail. the postmaster also vouchers that no mail has been returned.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$2500.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$3900.00} XX/XX/XXXX INQUIRIES NOT RECOGNIZED XXXX  15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

Do not include personal information, such as your name, account number, address, Social Security number, etc. We may ask for some of this information later, to help the company identify you and your account. 
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. 
This 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

I originally had an auto loan for a XXXX XXXX with XXXX XXXX XXXX which was opened in XX/XX/XXXX. On XX/XX/XXXX, I totalled the XXXX and my insurer ( XXXX XXXX XXXX ) received a 10 day payoff from XXXX XXXX due to the vehicle having been declared a total loss. XXXX received a payment via check in the amount of {$11000.00} on XX/XX/XXXX. The attached paperwork that I received directly from XXXX XXXX shows the payoff was valid until XX/XX/XXXX. I also received a {$3500.00} payment from XXXX XXXX after they paid the lien holder as this is always the case if money is due after the lien is paid. I started looking at my 3 credit reports, XXXX failed to submit the correct payment of {$11000.00} they received from XXXX XXXX for the 10 day payoff XXXX provided to XXXX XXXX. After checking my reports, in XX/XX/XXXX XXXX reported that I was 30 days past due, XX/XX/XXXX I was 60 days past due, XX/XX/XXXX I was 90 days past due then in XXXX, XXXX charged off {$180.00}. How is it possible after a vehicle is declared a total loss to be 30,60,90 days late after the lien holder has received payment in full and released the lien to the insurance company for that matter. This account still appears as a charge off as of XX/XX/XXXX. I have screenshots from each of the 3 creditors showing the inaccurate information that has been reported since XX/XX/XXXX. I also have my original sales contract, {$8000.00} down payment receipt as well as billing statements, and documents from XXXX XXXX that support this claim.
Product: Payday loan, title loan, or personal loan

I had a loan with this company in XXXX and it went to collections and it is now on my credit report. I have emailed this company in the past and have sent letters about paying the debt and having it removed from my credit reports. I emailed them again on XX/XX/XXXX 2 different times and the last rep stated to me i was being helped with someone from another department and that i would get a response back. i havent heard anything at all and i want this removed off my report. I stated i would pay what i had remaning but i wanted it to be removed and no one has gotten back to me at all. I have been waiting.I have not gotten any correspondence via email or mail or phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  did not delete inaccurate reporting by XXXX XXXX XXXX  of a charge off in the amount if {$1.00}. This charge off was reversed and the account was reopened.
Product: Credit card or prepaid card

On or about XX/XX/XXXX, I reported fraudulent activity on SunTrust MasterCard Prime Awards credit card and requested a replacement card. Upon receipt of my card a new available credit balance was reported to the three Credit Bureaus on XX/XX/XXXX. Although my statement date did not end until XX/XX/XXXX! This resulted in TWO statement balances being reported to the Credit Bureaus WITHIN the statement cycle, resulting in reporting a high utilization and low available credit report BEFORE the XX/XX/XXXX payment due date and before the 30 day cycle. Because this showed that my credit utilization had INCREASED from 32-92 percent usage, all three Credit Bureaus dropped my credit scores by 24-32 points due to this error. I did request correcting this error in reporting to SunTrust on about XX/XX/XXXX and approximately two weeks later, a dispute was filed in my behalf by Suntrust with SOME of my lost credit points returned. In the meantime, my original statement date of XX/XX/XXXX was also reported to the three Credit Bureaus. My utilization as a result of my on-time payment resulted in a utilization of 28 %. However, AGAIN SunTrust reported a 2nd utitlization report to the three Credit Bureaus on XXXX-14 days into the 30 day statement cycle. And this AGAIN, impacted the credit scores of both myself and my 2 authorized users. As of today the impacted score is a 33 point drop! Today, I called card services to make another request to correct this repeated error. However, if the reason for the duplicate statement report is not corrected, this problem will continue to repeat in violation of the Fair Credit Reporting Act. What's more, there is no individual to speak with to resolve this issue when SunTrust is called on its own " 800 '' Card Services number other than customer service reps who have no information to explain or resolve the issue with the same rapidity in which this error occurs. What's more, these error along with the resulting lowering credit scores are impacting my ability to apply for the PPP loan, as well as refinancing my home mortgage. This is likewise true of my TWO authorized users. I request not only that this issue be corrected permanently with the three Credit Bureaus, but that it be resolved within the next 3 business days.
Product: Credit card

On XX/XX/XXXX, XXXX my balance due on my simmons credit card. The amount was over XXXX XXXX ( XXXX ) dollars. Simmons electronically withdrew the payment from my checking account TWICE. I contacted them and they said they would credit my account right away. The following day there was no posting to my bank a court. I called Simmons again and they said it should be there within 24 hours. It was not. I called again and this time they said they could not help me and to ask my bank for help. It has been akmost a week and Simmons still has not returned my {$10000.00}.
Product: Checking or savings account

On XX/XX/27 I noticed a pending charge for XXXX that I did not authorize for {$110.00}. 
I contacted XXXX and they confirm that this was not a valid charge on my account but to contact PNC ( my bank ) to start a dispute. 

I contacted PNC on XXXX after the amount was posted on the account to dispute the charge. The reason was that I did not make this transaction and this was a fraud purchase. 

I spoke to several reps that informed me although this transaction was unauthorized, that they can not refund the amount charged. 

I am contacting the CFPB in order to step in as under good faith I decided to bank with PNC under their fraud protection. Yet when I need it at the moment, they can not provide the feature they are advertising.
Product: Student loan

I applied for the pslf program back in XX/XX/2022. XXXX requested Nelnet transfer my loans to them back in XX/XX/2022. It has never been transferred. I have talked to Nelnet numerous times and they refuse to give me any answers. It is unacceptable how long it is taking Nelnet to transfer loans to XXXX. A year???? Ridiculous. I need to know my payment COUNT so I know if I need to continue making payments. My loans are very close to being forgiven.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the information regarding the account XXXX XXXX  XXXX on my credit report, which I believe is inaccurate. This account is currently listed as charged off, but the reporting contains discrepancies that require immediate attention and correction. 

The original issue arose when I purchased a TV that stopped working, and upon receiving a replacement, it was stolen in transit. I filed a police report and reported the incident to the company, but no resolution was provided. 

Despite these circumstances, the account has been reported as a charge-off with continuous inaccuracies in its reporting details. I request that you : Conduct a thorough reinvestigation of the information related to this account in accordance with the Fair Credit Reporting Act ( FCRA ) under 15 U.S. Code 1681i.

Provide me with the procedure used to verify this account as per my rights under the FCRA, including the names and contact information of those you contacted for verification.

Remove or correct the inaccurate information if the investigation can not substantiate the current reporting.

This ongoing inaccurate reporting has significantly impacted my credit score and financial opportunities. I expect your prompt response and resolution of this matter, including an updated credit report reflecting the corrections. 

Thank you for your immediate attention to this matter.
Product: Debt collection

I have told williams and fudge to quit contacting me looking for my daughter on 3 different occasions. They continue harassing me on my home phone number.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 12th 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, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Balance Owed : {$4800.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$530.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX Balance Owed : {$4800.00} XXXX XXXX XXXX Balance Owed : {$530.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXX/XX/2023
Product: Credit reporting or other personal consumer reports

XXXX credit agency are reporting negative account XXXX with a balance of {$10000.00} on my credit profile which is fraudulently ruining my way of living. XXXX also stated that they would not furnish child support to credit profiles because there is no line of credit or a credit transaction nor a loan. if you guys can not provide me with a contract with my signature to be liable with any child support debt please delete the account immediately off the credit report.
Product: Checking or savings account

On XX/XX/XXXX I opened a checking account with Regions using promotion code " XXXX '' which offered a {$300.00} bonus after making {$1000.00} or more in Direct Deposits within 90 days aswell as enrolling in online banking. I have MULTIPLE screenshots of my account opening with this promotion attached. I set up Direct Deposit with my employer, and met all of the qualifcations. In XXXX I still had not recieved my bonus, I called in, and a rep told me she did not see that promotion attached to my account. So I went down to my local branch In person like the rep suggested, and talked with a banker about the issue. I showed her all the screenshots I had, where it CLEARLY shows the promotion attached at the time of account opening. The banker agreed with me, and I sent her the screenshots. She said should would send them off the their marketing department, and reach back out to me via phone within a week. I never got a single call from anyone at Regions about the issue yet. As of XX/XX/XXXX my account is still open, and still has NOT been credited with the money. I would like to get the issue resolved already.
Product: Credit reporting or other personal consumer reports

I was never late on this account listed above. Please show me documentation proof of transactions ( bank statement ) showing I was late to support your inaccuracie reporting of my on my account. If you can't provide this please delete these alleged late payments on my credit report. The FCRA allow 30 days for this to be rectified. My XXXX report is reporting accurate after doing the same dispute.
Product: Credit reporting or other personal consumer reports

My initial call was of a charge-off placed on my credit report. { XXXX XXXX }. After discussing that matter the service representative asked can they assist me with anything else. I informed her that I noticed that criminal history was on my credit report I would like to have it removed. She stated that I would have to send a letter requesting that I have it removed. I became irate and asked her, are you serious? Your company didn't send me a letter asking me permission to put my information on my credit report. And now you are saying I must submit a letter requesting for removal. I don't understand how they can do this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the credit reporting agency and they have refused to remove this iteam. By law this cant stay on my report but for ten years. The last activity was over 10 years ago. I have reached out to the bank and they have stated to me that they have sent removal paper to the credit reporting agencies with audio tapes backing them. The agencies have refused to do any action on this I am at my Witts end need help. In the supporting documentation first is Experian second XXXX XXXX XXXX  is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a fraudulent charge that appeared on my XXXX XXXX  credit card in XX/XX/XXXX. I reported this fraudulent charge and disputed it with the merchant. The charge was removed and the account balance was XXXX. However, the creditor never stopped the negative credit reporting. I've contacted them four times, in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They told me they received my dispute letter and told me over the phone on XX/XX/XXXX that the charges were removed from the account and I don't have any outstanding balance. The creditor never sent me the letter about the resolution of the fraud case in writing. I checked my credit report again on XX/XX/XXXX and I still have a negative credit report from XX/XX/XXXX to XX/XX/XXXX. I disputed with the Transunion credit bureau 3 times in regards to this inaccurate information and they have failed to thoroughly investigate this case and obtain any information from the creditor as to why the account is showing delinquent for 120 days. I contacted Transunion in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. My complains are not resolved and XXXX Credit card has not fixed the inaccurate reporting in my credit report due to fraud as they promised. They also failed to sent me the resolution letter for the fraud case and resolution to fix the negative credit reporting on my account. The account is closed to to fraud but the negative delinquency is still remaining on the account. This is unfair.
Product: Checking or savings account

This complaint is about Capital One and an outage that has been going on for 2-3 days. Im unable to get my direct deposit and the bank is not being transparent on whats going on and when it will be resolved.
Product: Debt collection

I sent TrueAccord a written notice via email that i refuse to pay. Despite my clear request, TrueAccord has continued to contact me twice!, which is a direct violation of 15 U.S.C. 1692c ( c ). This section of the FDCPA explicitly prohibits debt collectors from communicating with a consumer after receiving such notice, except under specific circumstances outlined in the law
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous request for an investigation into the inaccuracies on my credit report, which I initially submitted in XX/XX/XXXX. As of today, I have not received any response from your office, and the incorrect information remains on my report, continuing to harm my credit. This lack of action is both concerning and unacceptable. 

For your reference, the inaccuracies I outlined in my original letter are as follows : - XXXX XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Date XXXX PLEASE REMOVE ALL THE INACCURATE ACCOUNTS MENTIONED ABOVE. 

I kindly request that this matter be promptly solved by TRANSUNION. 

As per the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to investigate disputes within 30 days of receiving a formal request. More than [ number of days since the initial request ] days have passed, and I have yet to receive any resolution, confirmation of investigation, or update on this matter. The continued presence of this inaccurate information has severely impacted my creditworthiness and has caused denial of credit, increased interest rates, or emotional distress ''. This delay undermines the confidence I should have in the integrity and efficiency of the processes.