23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Someone tried to open a savings account and checking account at XXXXXXXX XXXX XXXX. 
First XXXX XXXX XXXX  contacted me because the name and social security number did not match. They closed both accouts. I filed a fraud report with them in XXXX this year. They said that they would send me a copy of the report. I have jumped through hoops on my days off because I never get the report. It is almost impossible to get through to them each time. I have asked 3 times for the report. They said that one was sent out the end of XXXX, then XXXX XXXX and another was supposed to be sent out the XXXX week of XXXX. To this date I have never received the reports. Even my XXXXXXXX credit card notified me of the fraud but they could not give me any more information. There were 2 inquires on XX/XX/2023. I believe that these were the identity theft attempts. They are on my XXXX report. I am sick of Citibank giving me the run around. I have also filed a police report with my local police department. They were waiting for a copy of the fraud report which I NEVER seem to receive. Citibank verified my address and it was correct. I even received a debit card for the fraud account but shredded it because they said that the account was closed. I do not even believe them anymore.
Product: Vehicle loan or lease

In XXXX I started the car loan with the company. I started to fall in financial straits due to my mother becoming ill with with a fatal illness. I was XXXX and due to me being the only child and having to stop work to tak care of my mother full time. I reached out to my job as well as Chrysler company for assistance with deviating payments. I was not given a helping hand and in XXXX my vehicle was taken back by the company.
Product: Checking or savings account

XX/XX/2022 my business bank account was closed for no reason at Old Nation Bank. 
I asked why and XXXX XXXX, XXXX XXXX who is the manager would not give me an answer to why. My account was not abuse or in negative or anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loans were discharged in XXXX of 2022 after I applied for the XXXX student loan discharge program. It was XXXX through NelNet but they are telling me that they are not the ones to report that information to the credit bureaus. I then reached out to the credit bureaus to ask about who has been reporting my student loan status for the past 7 months since it has been XXXX and they told me that the holders on the student loan accounts are XXXX XXXX XXXX and that only they can make changes. I also reached out to XXXX XXXX XXXX  and they told me Nelnet should be reporting since they were the ones to discharge the student loan. I then disputed my student loan with the credit bureaus for showing inaccurate information and status and the report came back as ; correct posting that the information on my report that reflects it still having a balance is accurate. Both nelnet and XXXX XXXX XXXX  have confirmed that my student loan is paid in full and that my balance should be {$0.00}, closed paid in full.
Product: Debt collection

This account was reported back in XXXX and XXXX as a Fraud account and removed from my credit reports. AFFIRM placed a collection on my reports which lowered my score -49 points. I owe no collections and my reports are perfect. This account is Fraudulent as reported in XXXX. You have 5 days to remove this from my credit bureau reports or I will file civil action for collecting a debit not owed and that has been previously reported as fraudulent. My personal information has been involved in a large amount of data breaches. 

You are in violation of the Fair Debt collections act for reporting an account that has already been reported as fraudulent.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in the 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 have failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions were 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 us users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about customer safely.
Product: Credit reporting or other personal consumer reports

My account with those creditors was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. 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 in those account to be removed.

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.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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!

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I am only having this issue with Equifax. I have filed disputes to no prevail. Currently, Equifax is reporting an extensive number of accounts on my report and only 3 accounts with XXXX  bank belong with me. XXXX fraud has verified that my SSN is not being used for other credit cards and has contacted Equifax to remove the wrong accounts and they haven't done so. During my first account dispute, Equifax removed several accounts, but then added more that still aren't mine. I've also called several of the companies, the main being a mortgage company that is on my file to verify if my information was used, and they confirmed that my SSN was never used to open accounts. Equifax also has previous addresses listed on my file where I have never lived. I have lived at the same address since I was XXXX years old. 

XXXX, and XXXX are both reporting my open, closed, and hard inquiries correctly. Equifax is only reporting my 3 open XXXX cards ( after contacted by XXXX ), and one recent hard inquiry. The rest of the accounts and inquiries do not belong to me. I have been in contact with Equifax since XXXX trying to correct the issue and I have had no luck I have files 6 disputes with Equifax and I have not gotten anywhere. I will provide any and all information needed to rectify this issue. Please help.
Product: Student loan

I have tried several times to have  Navient  update my credit reports. They are showing several late payments while I was in deferment or forbearance. I called and asked a representative by the name of  XXXX  to please send me a full file of my account and was told they ca n't and I would have to research everything myself. I have filed several disputes with the credit bureaus but they obviously are not really researching these accounts. I have sen t Navient  my student loan data which clearly shows I was never in a repayment status when these late payments were to occur and still have heard nothing. These late payments are definitely affecting my credit and preventing me from obtaining credit.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with Federal law and provides consumers with the necessary proof of investigation.
Product: Credit card

I am writing to file a formal complaint against Navy Federal Credit Union for their failure to comply with the requirements of the Fair Credit Billing Act ( FCBA ) and the Fair Credit Reporting Act ( FCRA ) regarding my closed credit card account # XXXX. 
Despite my multiple requests for comprehensive documentation to substantiate the accuracy and validity of the reported debt, Navy Federal Credit Union has failed to provide the requested information, as mandated by the FCBA. Their response has been limited to mere assertions of the account 's accuracy, without furnishing the necessary evidence. 
This failure to comply with the FCBA 's requirements raises serious concerns about the veracity of the claims made by Navy Federal Credit Union regarding this account. Furthermore, I invoke the doctrine of estoppel, as the credit union 's previous assurances and actions ( or lack thereof ) led me to reasonably believe in the accuracy of the account information, only to be contradicted by their subsequent refusal to provide the requested documentation. 
Additionally, Navy Federal Credit Union 's wanton disregard for my rights as a consumer, as evidenced by their failure to adhere to the statutory obligations under the FCBA and FCRA, is unacceptable and potentially exposes the institution to legal liabilities.
Product: Mortgage

Wells Fargo submitted false XXXX documents to the IRS on my behalf stating that my monthly Escrow amount was XXXX, when in fact that number is incorrect and does not reflect the balance on hand when they came up with that number. They merely added the insurance and the taxes, without subtracting the balance on hand, which at the time was XXXX and evidenced by Wells own record. 

Tax : XXXX Ins : XXXX Escrow XXXX/12mo = XXXX according to Wells Fargo However according to Wells own Escrow records ( XXXX/XXXX/2015 attached ) there is a standing escrow balance of XXXX. 

Escrow account : XXXX Existing BAL : XXXX Correct Escrow XXXX/12mo = XXXX So It seems I am not only being unfairly gouged, but now they are reporting this incorrect number to the IRS which is affecting my taxes
Product: Student loan

I can not log into Nelnet to pay my student loan. 
Their website tells me to refresh my browser, or log out and log back in. The latter option isn't even possible since it won't let me login in the first place. Their website is having issues for many people XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

On XXXX XXXX I reached out to XXXX credit bureau at that time I disputed the following account. NATIONAL CREDIT SYSTEMS ACCOUNT NO XXXX. I requested a full validation of this account pursuant to Federal Law 12 CFR 1006.34 a debt collector is required to provide a consumer who owes or allegedly owes a debt XXXX categories of validation information. 

XXXX. Debt collector communication Disclosure 12 CFR S 1006.34 C 1 2. Debt Related Information 12 cfr s 1006.34 c 2 i v 34 c 2 ix 3. Itemization Related information 12 cfr s 1006.34 c 2 vi viii 4. Consumer Response Information 12cfr s 1006.34 c 4 5. A copy of the originial contract with my signature for this debt. 
XXXX. Full payment history from the original creditor along with the name and address of the original creditor. 
XXXX.Proof that you now own or have been assigned this debt. 

Th e National credit system responed by sending me a copy of a XXXX XXXX XXXX lease in the name of XXXX XXXX XXXX address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX. The document they provided is XXXX pages long and does not bear any signature please review this document you will see that on page XXXX of XXXX there are XXXX names typed on this document and they are XXXX XXXX, and XXXX XXXX I have no knowledge of this information, also if you go to page XXXX of XXXX under Severability, Signatures, Originals and Attachments you will see there are no signatures on this document under paragraph XXXX this document states that you are legally bound by this document once you sign this document there are no signatures for anyone to be legally bound. this information is inaccurate and a Fraud and must be deleted under the Fair Credit Reporting Act. Furthermore after review the following company XXXX XXXX XXXX XXXX. I found that this company is in violation of Federal Law and State Law this company is not Licensed nor Registered to collect a debt nor report a debt in the state of Florida, this is FRAUD and must not go un punish this company should not be allowed these kind of Fraudulent practices against consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my First Written Request .The unverified items listed below remain on my credit report in violation of Federal Law. You are required under FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of the first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have not provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) a consumer contract with my signature on it and under Section 611 ( 5 ) ( A ) of FCRA you are required to promptly DELETE all information which can not be verified. 
ACCOUNTS : XXXX XXXX XXXX ( {$460.00} ) # XXXX & ( {$840.00} ) # XXXX, XXXX XXXX XXXX ( {$220.00} ) # XXXX, XXXX XXXX XXXX ( {$6200.00} ) # XXXX & ( {$220.00} ) # XXXX & ( {$150.00} ) # XXXX & ( {$150.00} ) # XXXX, XXXX XXXX XXXX ( {$380.00} ) # XXXX, XXXX XXXX XXXX XXXX  ( {$2200.00} ) # XXXX & ( {$1500.00} ) # XXXX, XXXX XXXX XXXX ( {$630.00} ) # XXXX, XXXX XXXX XXXX XXXX ( {$440.00} ) # XXXX, XXXX XXXX ( {$49.00} ) # XXXX, XXXX XXXX ( {$150.00} ) # XXXX, XXXX XXXX ( {$1600.00} ) # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX $ XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX & XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I've been trying to get hard inquires off my credit report throughout this whole year and the credit bureaus haven't been any help on the phone, mail, and online. From my knowledge my credit report have been frozen/locked since the beginning of the year, and company 's are still accessing my credit. The hard inquires are JPMCB CARD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

These inquiries were not made by me and are considered unauthorized on my credit report.
Product: Debt collection

In accordance to FCRA Section 609, this accounts was further disputed in XX/XX/XXXX. Ad Astra Recovery did not respond to initial dispute within 30 days as allowed by the FCRA. They have continued to report inaccurate information and this accounts to all 3 credit bureaus. In accordance, they are bound by FCRA to remove alleged debt from that is being reported. It is now XX/XX/XXXX and past 60 days when these accounts were initially disputed. Ad Astra Recovery Service has continued to attempt to collect debt that they know is not valid and not able to be verified. Multiple disputes in regards to this issue have been filed over this. They have blatantly broken the law as they relate to FDCPA and FCRA guidelines. The account needs to be removed. I will also be filing a complaint with the Attorney General as it is within my rights
Product: Credit reporting, credit repair services, or other personal consumer reports

Some of the accounts that are on my credit report is still reporting as late payments and the accounts have all been paid off and they are over XXXX XXXX XXXX. Then they trade collection accounts to other companies which makes it look like they are new collections when they add it to my account. This is unacceptable because these accounts are from XXXX and older and have been paid off. They should not still be populating on my credit report. There is a XXXX  account for {$670.00} that does not belong to me. It belongs to XXXX XXXX and they keep saying its mine. It is notthey account was transferred to his name. I would like these corrected because it is definitely making my credit bad when I actually have no debt but my car payment and student loan. Thank you.
Product: Credit reporting

When you call the phone number for TransUnion- you get pitched a variety of other services such as XXXX XXXX auto insurance, XXXX XXXX, and free vacations. Meanwhile, you can not get through to a human being who can explain how to activate either a fraud alert requiring notification and permission for anyone to run a credit check on you or a credit freeze. How can an organization like Trans Union who has so much power over the average person 's lives be so disrespectful of communicating with us apparently perceived 'little people. ' Thankfully, I have XXXX who did find a phone number for me and wound up teaching me how to set up an account at Transunion and to notify me of the option of placing an alert on the account, and how to complain to the FTC about it!
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach and to request the immediate blocking and deletion of the following accounts and inquiries from my credit report, in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts and inquiries were opened or recorded fraudulently in my name as a result of the breach. 
Below are the affected accounts and inquiries : Accounts to Be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

I completed a transaction for {$260.00} for the Nevada DMV with my debit card. That day the transaction was posted on my account right away as pending. That night when I checked my account after XXXX that transaction disappeared from the transactions, It was not there not even as pending anymore so I think that the transaction was canceled or voided from the DMV and I transferred XXXX from account ending in XXXX to my other checking account with USBank ending in XXXX ( money never was moved out of the bank ) then that day in the morning my account was showing DMV transaction posted and account ending in XXXX was negative, USBank charged 4 overdraft fees, USBank do maintenance by midnight with the propose of creating with kind of confusion in customer and charge those overdraft fees. This is completely unfair they had that system issues and I made me confused so I transferred XXXX dollars to my other account and they charged 4 overdraft fees. This is the second time that they do this to me. 

When the bank system is updating the bank disappear transaction that were pending before and looks like the company canceled the transaction or something. 
This bank is always like that when system is updating, also I am unemployed and they do this to still money to the customers. But if this complaint does no fix the issue I will proceed with legal complaint in the court since I was informed that US Bank do updates in their system after XXXX XXXX but they never let the customers know or notify the customers in the mobile app.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 account without my written instructions. There are inaccuracies on my account that needs to be removed. Listed are inquiries and accounts that are not mine and have been placed on my credit report. 

Accounts : XXXX XXXX - {$730.00} - XX/XX/XXXX Inquiries : XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have informed them that these debts are not mine and they submitted inaccurate information. They continue to harass me and call me from blocked numbers. They have even called my parents and served my parents at their home and then lied to the courts stating they served me. They also called my brother and his wife and a previous employer. They have lied and caused me a great deal of humiliation and embarrassment and mental anguish. Because of them, I can not get a home or a vehicle. I am living with family members and no longer have a vehicle. My life has been ruined and destroyed because of their tactics and I feel helpless. They keep insisting I pay for this debt that I do not owe and have resulted to continuously send letters to my parents residence and they keep trying to push me to settle with their attorneys. Their attorneys have called and left multiple voicemails which I have on my phone and am able to produce. they claim they do not have to remove the debts when the statute of limitations is up but they indeed do. They are trying to ruin me financially and they are discriminating against me because of the XXXX of my skin. They attached a letter to the last response stating I am a XXXX XXXX. I have seen where others have been discriminated against them due to race. They purposely try to ruin minorities. Please see attached letter. I will not be paying these debts because I DO NOT OWE THEM so I request they stop sending letters requesting I pay them and work with their attorneys and remove the collections at once. I am currently working with an attorney to file a lawsuit against them.