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

I have sent several disputes to XXXX, XXXX and Equifax for correction but everything keep coming back as verified and that is n't the case 1. My personal information has been put on a freeze with XXXX XXXX on XX/XX/XXXX but  XXXX, XXXX and Equifax states that my bankruptcy has been verified through XXXX XXXX on 3 different occasions and the same for a Tax Lien with Equifax. 2.XXXX keep stating XXXX XXXX Credit Card is verified as Open when my dispute clearly states that it is to be charged off  with bankruptcy and after speaking with the company it is still closed so their verification is not reliable. 3.I tried disputing late payments with XXXX XXXX ( XX/XX/XXXX-XX/XX/XXXX ), XXXX ( XX/XX/XXXX-XX/XX/XXXX ) and XXXX for student loans but keep getting the run around stating its nothing they can do because my account has been transferred to XXXX XXXX but XXXX XXXX would not address the issues of original creditors 4.XXXX reports late payments from XX/XX/XXXX-XX/XX/XXXX, and XXXX XXXX late payments XX/XX/XXXX-XX/XX/XXXX all when I was under a open Chapter XXXX 5.All 3 bureaus added my old names back to account and will not removed misspelled with pass addresses names off along
Product: Prepaid card

I got a gift card from my employer but did n't have the activation code. When I called in to have it activated, the lady I spoke with asked me for a bunch of personal information, which is fine. But then she proceeded to ask for my XXXX, claiming she could n't activate the gift card without it. When I said I 've never had to provide my SSN before to activate a gift card, and that I 'm by comfortable with that, she then said she DID N'T need the SSN. This seems very suspicious.
Product: Checking or savings account

A fake company posed as XXXX and got my information to charge my card for a utility bill that was due. The amount was supposed to be {$100.00}. They charged {$220.00} on XX/XX/23. Made a claim with my bank but their investigation determined there was no error, but it was a fraud charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I had submitted a dispute letter to you recently and received a response that is nothing more than a stall tactic. The errors on my credit report that were addressed are inaccurate and your refusal to comply with my dispute request is not acceptable. These accounts being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. I need these corrected at once. This is your final chance to resolve the inaccuracies on the items : XXXX BANK XXXX Date Opened XX/XX/XXXX Balance {$0.00} Late/Closed Late Date XX/XX/XXXX, XXXX BANK XXXX Date Opened XX/XX/XXXX Balance {>= $1,000,000} Late/Open Late Date XXXX, XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} Late/Closed Late Date XX/XX/XXXX, XXXX XXXX Date Opened XX/XX/XXXX Balance $ XXXX Late Date XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a cable bill and when I terminated the service with XXXX XXXX I noticed they over charged me. After 60 days of negotiation and showing the receipt from when I turned in my cable box compared to when they originally said i stop my services. They then agreed and adjusted down the bill which i promptly paid on XX/XX/XXXX Fast forward I have a collection account on my XXXX ( and presumably the other two ) from an outside collection company. That never contacted me directly via mail or any other method. They put a collection account on my credit 0nXX/XX/XXXX and show that I paid them on XX/XX/XXXX Had they contacted me I would of disputed the validity of the debt and informed them that I would only deal with the original " creditor '' since this happened XXXX XXXX sold out to XXXX  and I can not pursue that avenue. When contacting the collection agency the automated response asks for my acct # when I put it in it responds " your account is paid and closed '' and I get hung up on. I have disputed this with the credit bureau and within 1 hour I get the same answer. I have a copy of my bank statement that shows I paid XXXX XXXX directly. I have no way to defend myself the original creditor no longer exists, the phone calls and dispute resolutions are automated and don't allow for my input. XXXX paid to have my credit monitored and this all happened within one month so I didn't even know it was there. If you look collection agencies timeline XX/XX/XXXX to XX/XX/XXXX included 3 Saturdays 3 Sundays and 2 legal holidays XXXX and XXXX XXXX XXXX actually less than 14 business days please help.
Product: Debt collection

This is my last effort to resolve this matter before I pursue to taking legal action.
This company had reported an account on my credit report that I believed to be inaccurate and in violation of the FCRA. Hence, I wrote to this company not only disputing this account but asking them to prove the validate of it and asked that the item be removed if they couldnt produce the requisite information. No signed contract was produced to show this item belonged to me.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transaction were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Debt collection

This company has repeatedly harassed me over a debt but refuses to tell me what the debt is. All debts were discharged by a bankruptcy 2 years ago. This company calls me from multiple numbers, numerous times a day. They only call using automated system and this is harassment. I havent received any mail from this company and attempts to contact them to get them to stop or find out more information has failed. They say they are with Edward Sloan Associates. 

They call from : XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are just 3 of the numbers they call from. Theyve called from over 50 different numbers.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XX/XX/year> Equifax XXXX XXXX XXXX XXXX  XX/XX/year> Equifax XXXX XX/XX/year> Equifax XXXX XX/XX/year> Equifax XXXX XXXX XXXX XX/XX/year> Equifax - XXXX following inquiries were not authorized and should not be reporting.
Product: Debt collection

Have asked Jefferson capitol for original purchase agreements in writing to be sent to me along with summary of charges. To no avail. Was also never given to opportunity to opt out of any and all communication about this debt!
Product: Credit card

Unfortunately, i have no access to transaction dates regarding this disputes filed as my account has been locked with Apple Card and i can't access any of my previous transactions and related account information/correspondence. All that I know is at one point there was numerous account disputes made on this account for transactions i either did not make or where the service/product was not delivered. The disputes were filed and the balance was restored to {$0.00}. The account was then closed per my request. Sometime after the account was closed and without any communication back to me, these dispute/fraud credits were reversed and the corresponding amounts were applied to my balance. There was no notification sent to me about this and no supporting documentation regarding why this occurred or requesting my assistance in resolving any of these disputes/fraudulent transactions. I've since learned through pulling a credit report that there's balance of {$4800.00} on my account and after speaking with Apple Card 's fraud department today they said all they can do is reopen the disputes for another investigation. I asked if they could just send me the findings or past notifications regarding this matter and they stated they could not. I then asked why there would be a change in the findings from the initial investigation if they reopened these again. They stated there likely wouldn't be any change. At this point, i wasn't sure what more to say or do beyond asking them to escalate internally to address this matter. They stated they were the last point of contact but they would file a " complaint '' and someone will reach back out to me only if there's something they can do. Otherwise, no outbound communication would be made. I advised them of my awareness of the following findings and they said they couldn't comment or assist with this matter any further. 

https : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is a formal notice that you have failed to resolve my dispute or contact me within 30 days of receiving my previous letter. One of the rights under the Fair Credit Reporting Act states a Credit reporting agency MUST update or delete inaccurate information. You have had thirty days to investigate this claim. Under the FCRA my dispute MUST be resolved in thirty days. 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I disputed XXXX of my student loan accounts with all three credit bureaus XXXX, XXXX and Experian via certified mail. 
I asked them to verify student loan accounts from XXXX and they didnt provide any proof that said accounts should still should be reporting balances. 
XXXX transferred all of my student loan accounts to XXXX in XX/XX/2023. 
My XXXX accounts should be reporting XXXX balances. However, now I have XXXX student loan accounts reflecting on my credit report. This is apprehending my credit creditably tremendously.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was renting at XXXX XXXX. XXXX XXXX XXXX IL XXXX and I had a lot of issues with mice and rodents infestation in my building and apartment. I have XXXX little niece and nephews and I kept reporting to management that I am seeing mice everyday in my home. They were climbing all in my cabinets eating my food and they just kept coming. My apartment got flooded out by another apartment and that made the mice issue worst. Management ignored every complaint that I made about this. One time I was able to get real close and get a picture of the mice in my home. Now i'm suffering the consequences of having a judgement from the property when I complained numerous times about the health issues in the building and nobody did anything about it. Only thing fixed this issue was that I ended up moving. Went to a hotel and was there for 2 months until I found another apartment.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items 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
Product: Mortgage

I am currently doing a Heloc mortgage with the Bank of the West, pending the final signing. When I first went to their branch on XX/XX/2022, the bank clerk told me the rate is Prime rate ( Index ) plus margin 0.765 %, if I meet some requirements ( They will put the discount on the rate. Please see the attachment ). 

Even till yesterday ( XX/XX/2022 ) they informed me that the loan doc ready to sign, they stilldid n't tell me the rate has been changed. It was me insisted that I want to get a review of the docs before loan signing, just to double check if they have put all the discount on my rate, then they told me by phone that the rate ( margin ) was changed from 0.765 % to about 1.0 %. 

Last week, during the loan process, I asked them very specifically that if I need to add my wife 's name to the title of property for this Heloc mortgage process. They replied says that I can add her name now or do it later without any information on adding extra margin for this case. 

To get 0.765 % margin, I have done everything they asked, including deposit XXXX to my checking account in the Bank of the West for over 10 days. 

And at last minute, before final signature, they told me the margin was changed due to the exception they gave me, I feel that I was cheated at the whole process. This is definitely not acceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX on several attempts about these accounts and inquiries placed on my credit file. These accounts and inquiries are not accurate information .. All the inquiries are unauthorized. The accounts that dont belong to me are XXXX XXXX XXXX XXXX These accounts are fraudulent as I was a victim of identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has been non-compliant with removing the unverified account XXXX   XXXX XXXX XXXX has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX XXXX XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Product: Debt collection

XXXX XXXX XXXX XXXX, SC XXXX Dear Resurgent Capital Services This letter serves as my formal demand under the Fair Debt Collection Practices Act ( FDCPA ) that you immediately cease and desist from any and all communication with me regarding the alleged debt associated with any account you claim I owe. 

It has come to my attention that you have engaged in repeated and harassing phone calls, sending threatening letters. These actions are causing significant distress and are not in compliance with the FDCPA, which prohibits debt collectors from engaging in harassing, oppressive, or abusive conduct. 

You are hereby required to immediately cease and desist from all further communication with me in relation to the aforementioned account ( XXXX ). This includes, but is not limited to, phone calls, letters, emails, and any other form of contact. 

If you believe I owe this debt, I request that you provide me with validation of the debt as required by law. However, under no circumstances are you to continue to contact me directly. 

Please be advised that nothing in this letter constitutes a waiver of any rights or remedies that I may have under the law. If you fail to comply with this demand, I am prepared to pursue all available legal remedies, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. 

Please confirm in writing by XX/XX/year> that you have complied with this demand and have ceased all communication regarding this matter. Your failure to comply with this request will be considered a violation of the FDCPA, and I will take further action to protect my rights.
Product: Student loan

I got my loans thru  XXXX   XXXX  now  Navient.  I got  XXXX  loans total. But in  XXXX   XXXX ,   XXXX   it got to the point because of the interest and the payments that I had to consolidate  XXXX  of my loans. So i could afford the payments and get a lower interest rate. My interest was from  XXXX  to  XXXX . They were not willing to work with me and did n't care about my life situation. So i consolidated with  XXXX  which brought my interest down and my payments down and actually making a difference in my grand total. But I still have  XXXX  more loans with Navient and they are now at 10.5 % and they said they could only reduce my payment by {$30.00}. I 'm stuck in the payment cycle and not making any leeway. I have a full time job, i own my home, and have  XXXX  kids. I 'm trying to get out of debt and they are sucking me dry. Now i have to do a refinance and borrow against my house to pay my student loans off so i can make a difference in my financial situation. Please do n't let them do this to anyone else trying to get out of debt but stuck in the student loan repayment  XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX   XXXX ,  XXXX  I sent a letter to  XXXX  requesting that they remove  XXXX  inaccurately reported  XXXX  late payments from  XXXX   XXXX  from my credit report. All  XXXX  of my federal student loans which were serviced by  XXXX   XXXX  were in forbearance at the time of the alleged late payment, yet for some reason  XXXX  of them are showing as 90 days late on my credit report. I included a letter I received from  XXXX   XXXX  in  XXXX  showing the dates of my forbearance which included  XXXX   XXXX . If loan accounts are in forbearance it means no payment is due so how can a payment be late if no payment is due. Supposedly  XXXX  " investigated '' this matter and continues to report that this information is accurate. I have disputed it with all  XXXX  credit bureaus and they continue to confirm this information is accurate with  XXXX . I do not feel anyone actually investigated this matter, no actually read my letter as they are unable to actually tell me WHY this information would be accurate given my student loan forbearance status, they just sent me a form letter indicating their information reporting to the bureau is accurate.
Product: Debt collection

I am disputing a debt with SECURITY CREDIT SERVIC - XXXX and requested full validation of this debt under the Fair Debt Collection Practices Act ( FDCPA ), as allowed by 15 USC 1692g Sec. 809. I formally requested detailed documentation to prove the validity of this debt, including a copy of the original agreement, itemized statements showing any additional fees, and proof that SECURITY CREDIT SERVIC - XXXX has the authority to collect this debt on behalf of the creditor. Despite my request, I have not received adequate validation documentation as required by law, and they have continued collection efforts. Additionally, if this debt is reported to the credit bureaus, I am concerned that it may appear as inaccurate information on my credit report, potentially violating the Fair Credit Reporting Act ( FCRA ). Any attempt to report this debt without validation would not only be misleading but also an infringement of my rights under both the FDCPA and FCRA. I am filing this complaint to request assistance from the CFPB in ensuring that XXXX XXXX XXXX provides full validation documentation before any further collection efforts or reporting to credit bureaus continue.
Product: Credit reporting or other personal consumer reports

I HAVE DISPUTED AND REQUESTED I WHOLE CREDIT FILE FROM THESE THREE COMPANIES AND THEY ARE REFUSEING TO DO SO WHEN I HAVE IDENTIFIED MYSELF MULTIPLE TIMES THATS WHY IM CONTACTING YOU GUYS SO I CAN UPLOAD MY PROOF OF IDEA ASWELL AS ADDRESS AS WELL AS SOCIAL SECURTIY CARD WICH I FEEL IS XXXX MUCH BUT THAT IS NOT THE MATTER HERE THESE FAULE REPORTS AND ONCOSENT TO FURNISH MY INFORMATION WITH OUT WRITTEN CONSENT IS ANLAWFUL ASWELL AS FRAUD AND IDENITY THEFT THESE ARE THIRD PARTY REPORTING AGENCIES .AND DO NOT GOVERND ANY PROPER LAW GOVERND BY THE FCRA THESE REPORTS ARE HARMING MY PROGRESS AND MY FAMILY AND I DEMAND FOR FRAUD REPORTOMG AND DEROGATORIES BE REMOVED ASAP 4 DAYS OF RECITE ASWELL AS SEND ME A EMAIL TO XXXX I DO NOT TRUST THE MAIL I WANT IT EMAILED TO M EMAIL ADDRESS EARLLY WARNINGS, CHECK SYSTEM AND LEXIS NEXIS THIS WILL BE ADDRESED TO
Product: Credit card

My husband and I were out of state for a XXXX and were late on a payment to XXXX credit card services.We paid the late charge plus the account in full. Then we receive a bill for XXXX XXXX, 2015 but XXXX has added a {$2.00} interest fee. When I spoke to them, they said they would charge interest for XXXX subsequent account statements despite the bill plus late fee being paid immediately. How can they charge interest when it was paid off already? We have cut up our XXXX. credit cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two accounts on my credit reporting that are fraudulent ; 1. Discover Card : I have no knowledge of the account. 

2. XXXX XXXX XXXX XXXX : Card was stolen and reported to XXXX XXXX XXXX and it was never resolved of the fraudulent charges. 
On XX/XX/2020 called to report the card was lost/stolen ( reference # XXXX ) Follow up on XX/XX/2020 and completed forms for fraud charges. Emailed to XXXX XXXX Followed up again on XX/XX/XXXX with Fraud Dept.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled a copy of my Equifax credit report for review and noticed an item from XXXX XXXX XXXX on behalf of an XXXX XXXX XXXX. I contacted the company today, XX/XX/XXXX and spoke with a XXXX. She informed me that the item was for an internet loan from XXXX. I informed her that I did not have any knowledge of an internet loan and that I am also unable to apply for internet loans as I live in the State of Arkansas and those loans are not approved. Additionally, I informed her that they are not to attempt to collect on internet or payday loans in Arkansas. The item is adversely affecting my credit score and I requested that it be removed. XXXX XXXX stated she hears that all the time and until I pay it will remain. Additionally, it is listed as a " rental/leasing '' item which is also incorrect. All information for the account as well as the account are incorrect/fraud. I informed her I would be contact the CFPB, Better Business Bureau, the Arkansas State Attorney General 's Office as well as seek possible civil litigation as a recourse of action.
Product: Money transfer, virtual currency, or money service

I am writing formally to express my concern regarding Zelle handling of disputes, particularly in lights of recent cfpb lawsuit highlights significant issues with the platform. Despite using Zelle numerous time and reporting discrepancies. My financial institution and Zelle failed to investigate my claim adequately. They inform me that recovering lost funds was impossible and that tracking these transactions unfeasible. The cfpbs finding indicates that Zelle has not only failed to protect consumers but has also allowed to repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about customer safety.