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

XX/XX/2019 -Joined Experian Boost program -Score increased 14 points. Program allows self reported payment history of utility and telecom accounts to be factored into overall credit score.  Payment histories are verified after Experian gains read-only access to bank account online ( XXXX XXXX ). Only XXXX XXXX & XXXX XXXX Accounts added to report. 

Missing City of XXXX XXXX XXXX XXXX Account ; XXXX XXXX and XXXX XXXX XXXX. ( All appearing as electronic debits on XXXX thru XX/XX/2019 bank statements ) XX/XX/2019 -Received message from Experian stating " Bank Connection Issue '' meaning they lost access to personal checking account with XXXX XXXX XX/XX/2019 -Received message from Experian stating `` XXXX XXXX not reported in 30 days ''. This was due to bank connection issue. 

XX/XX/2019 Received message from Experian stating " XXXX XXXX not reported in 30 days ''. Again due to bank connection issue. 

XX/XX/2019 Received message from Experian stating " XXXX XXXX not reported in 30 days ''. Again due to bank connection issue. 

If no payment history is reported for three consecutive months the account is automatically removed from credit file. 

I contact Experian via telephone on XX/XX/2019 for assistance in getting the correct accounts and payment histories reported. I was told there continued to be a bank connection issue with my bank, XXXX XXXX. 

I was told to disconnect ( delete ) my bank and reconnect it ( add on ) to get the missing payment histories re-verified and the missing accounts added. 

On XX/XX/2019 I disconnected by bank which automatically removed the account information that had been previously verified and reported, Score dropped 6 points. 

When I attempted to ( re- ) connect by bank I got an error message stating, " We're having issues connecting to your financial institution and are working to resolve it ''. 

This now has been a problem for more than 90 days ( first notification received about a bank connection problem was on XX/XX/XXXX ). 

In speaking to my bank ( XXXX XXXX ) customer service and IT departments they both inform me they are unaware of any connection issues with Experian. 

The lowering of my credit score changed my overall rating from " Very Good '' to " Good '' ( as reported by Experian on their client membership website ). 

Experian has done nothing to fix the connection issues. 

I should not be singled out from the pool of Experian customers who are able to have their accounts sucessfully verified and reported which in turns increases their credit scores because of a technology issue Experian has. Connecting to my bank account was successful when I first signed up for their program. 

All of my utility and telecom accounts should be verified and reported and in turn my credit score increased because of my excellent payment history on all of my accounts. Instead I'm being penalized. 

Access to any program affecting the calculation and reporting of a credit score offered to one customer should be offered to all customers.
Product: Debt collection

XX/XX/2018 My Wife and I received a letter from Wetsch Abbott Osborn Van Vliet Plc . 
Letter was to inform us of a debt that we have with XXXX XXXXXXXX XXXX for {$1700.00} I Called@XXXX on XXXX XXXX waited on the phone for XXXX no answer. 
the prompter says that they do not call an leave messages if we wanted them to return our call. strange So I call again on XX/XX/XXXX@XX/XX/XXXX When I finally got ahold of someone I was then directed to the collections office and waited again for almost 6 mins. no answer. 

So I got online to submit a payment. with all my banking info ( there is no bare minimum of payment. ) I submitted what I could at the time to " cure '' the debt to set up recurring payments.

I received an email from Wetsch Abbott Osborn Van Vliet PLC denying my payment to " cure '' a debt. After I missed a call from them I work night shift I do not wake up till XXXX. 

So thats why I wanted to file a complaint.
Product: Payday loan, title loan, or personal loan

I have been made aware that this company is not licensed in the State of Florida to make payday loans. This company is also issuing payday loans with interest rates that could violate State of Florida and Federal usury laws.

I have requested my original loan document from this company and they are refusing to provide it. Instead they have provided where I applied for a loan and the paperwork about cost and fees. I have sent them several letters asking for my original loan documents to this date. I have not received them. This could be a violation of the truth and lending act.

Also they have listed this illegal loan on my credit history with XXXX and XXXX XXXX.

I want the loan removed from XXXX  and XXXX XXXX and any other credit bureau they may have listed it on.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1671 Section 602 states I have the right to privacy 15 USC 168 Section 604 A Section 2 : It also states A consumer reporting agency can not furnish a account without my written Instructions.

15 USC 1666B : 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
Product: Credit reporting or other personal consumer reports

XX/XX/2024 - {$2200.00} The company has deleted this item from Experian. 

XX/XX/2024 - {$1400.00}. The company has closed this item on XXXX. 

XX/XX/2024 - {$2200.00} is still reporting on XXXX and XXXX XX/XX/2024- {$1400.00} is still reporting on Experian, XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that the Consumer impacting unethical incentives, misleading process, and incompetent processing by Citibank AND XXXX XXXX is resulting in considerable financial damage to me personally. 

My credit report shows a {$200.00} balance was charged off by XXXX XXXX AND Citibank. I was NEVER sent a physical charge card. I was NEVER sent ANY statement. 

I have carefully built over a 40 year credit history with no missed payment. This unethical and incompetent behavior by Citibank and XXXX XXXX is impacting me financially. 

The reporting shows I applied for {$200.00} credit during checkout process during XXXX as part of instant credit offering and it was not paid back. But, again, I NEVER received a charge card, not did I ever receive a statement from either XXXX XXXX or Citibank. 

My request is to remove this damaging information from my credit report. I offered to pay {$200.00} even if the checkout clerk opened an account in my name without my permission.
Product: Money transfer, virtual currency, or money service

This letter formally expresses my concern regarding Zelle 's dispute resolution process, especially considering the recent CFPB lawsuit detailing significant platform deficiencies. Despite multiple uses of Zelle and reported discrepancies, my financial institution and Zelle failed to adequately investigate my claims, stating that fund recovery and transaction tracking were impossible. The CFPB 's findings reveal Zelle 's failure to protect consumers and its allowance of systemic exploitation by repeat offenders, leaving users vulnerable. This lack of accountability and transparency is unacceptable and raises serious consumer safety concerns.
Product: Mortgage

I have been making regular payments on my mortgage serviced by  Caliber Home  Loans. Back in  XX/XX/XXXX  the escrow was ajusted of which I have no record of receiving and I am in a Winter home at that time so the mail was an issue. However once I was aware I made every effort to correct and with each payment that was not the full amount of the payment they conviently placed in a suspense account and began posting late fees etc, I have since been in contact with them in both   XX/XX/XXXX  and again in  XX/XX/XXXX   with the same response " your payment was late '' not once was the payment late. They have reported to credit agencies that the payment was late. I sent in additional payments to correct and am still told I have not made my payment. I call d again on Friday  XX/XX/XXXX  with no satisfaction, I then asked to speak with a supervisor and was told it may take 24 to 36 hours and   I was fine with that. On Monday I recieved a message on my phone from  XXXX  and I calle d back to a machine so I left a message to please call between  XXXX  and  XXXX  so I could have everything in front of me. I received no call back. It is now  XXXX  no call. I believe what they are doing with these payments is illegal. They are forcing late fees to hit.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XXXX XXXX XXXX I was notified, via news outlets and social media, that my personal information may have been compromised by a recent hacking of Equifax. Keep in mind, the compromising of this information has been known, by Equifax, since late XXXX XXXX. 

Seriously? 

Over a month to notify the public seems just a bit ... late? But, the best part. Equifax set up a website to check whether or not one 's information has been compromised. The only catch? You surrender all rights to bring legal action against the company ( Equifax ), if you want to know anything about your info being compromised. 

Great. 

So, obviously I surrender this privilege. I need to know XXXX. Remember this is pretty serious? What-a-ya know ... my information has been compromised. Awesome. Long story short, I still need to do ALL THE HEAVY LIFTING TO PROTECT MY INFORMATION. Filing fraud alerts, credit monitoring, credit freezing etc. Im beyond " happy '' to do this on my Friday.
Product: Student loan

Each month I make my {$560.00} payment on time. I am never late. I have an automatic payment scheduled with my checking account. Every month when I receive my new statement from Fedloan Servicing. My " Principal Satisfied '' changes from very low amounts ( that do n't make any sense ) to what could be looked at as reasonable amounts. My concern is that I am being cheated on how much is credited to my principal each month/payment.
Product: Credit reporting or other personal consumer reports

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. 

Account Name : XXXX  Account NumberXXXX Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 or other personal consumer reports

Consumer Name : ( Strawman Name Goes Here ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXXXXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), and a collection at XXXX XXXX  opened on XX/XX/XXXX under the account number 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: Credit reporting or other personal consumer reports

Pls remove and block this reinsertion that hasnt followed procedure and regulations XXXX XXXX XXXX Report date : XX/XX/2023 Back Reported balance {$910.00} Actual payment amount {$0.00} Date of last payment Past due amount {$910.00} Account status Closed Date reported XX/XX/2023
Product: Credit card or prepaid card

Money Network has not provide provisional credit to me in response to fraud and unauthorized transaction on my account. Money Network sent me letters asking me to fill out an excessive amount of paperwork to obtain refunds for the fraudulent and unauthorized transactions on my account. 

Most banks will provide the monies back to the customers account and then investigate the fraud and unauthorized transactions. Money Network appears to do the opposite and 1st send the customer paperwork to fill forms, then they investigate. The customer is then left to try to solve problems they did not create and do the work. The customer invests in the company, the company must to the work. 

Money Network needs to provide provisional credit to my account and investigate how the fraud occurred, not send the customer multiple sheets of paper to fill out when the information is provided to them at the time of the fraud.
Product: Checking or savings account

On Thursday XX/XX/XXXX I deposited two pay checks from my employer to my BECU account. I had previously opened the account a week prior. This is relevant because this is their reasoning behind them withholding funds from my access. On Monday, XX/XX/XXXX, I called to inquire about the status of my deposit. However apon calling BECU I was greeted by an extremely rude employee who told me that they would not release my funds and that I was going to have to wait 5 more business days because my account was too new. In addition to this I was told that BECU had put a note on my account to hold the funds for as long as they could and there was no way for their staff to assist me with this.
Product: Credit card

Refer to the attached documents. I request the bureau to initiate an investigation into these accounts, as I am never late, yet they are reporting me as such.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX continues to report inaccurate information to my consumer credit file. This account was fully paid off by my insurance provider due to an unfortunate front end collision in XX/XX/2020 which resulted in a total car loss. By reporting this account inaccurately XXXX is in violation of the FCRA. This account was fully paid off.
Product: Debt collection

I received a call from Phoenix Financial requesting I pay an outstanding debt. I ask for additional information date of service or proof the debt was owed. The collector refused to validate the bill/debt. I checked my credit report on XX/XX/2021 and Phoenix Financial Services is showing a collection item in my credit report.
Product: Credit reporting or other personal consumer reports

JPMCB has been false reporting my credit for the last XXXX -years in a row. They have been contact several times as the inaccuracy of the practice of reporting after my car accident they were paid and settled out and they continue to report well past the payoff and turning my account in to a charge-off creating a removal date of XX/XX/XXXX creating several denials for automotive applications as following : XXXX XXXX  XXXX XXXX XXXX XXXX on XX/XX/XXXX ( denied ), XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  # XXXX, XXXX XXXX XXXX  # XXXX listing a collateral of XXXX XXXX " XXXX XXXX '' my car was a XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXX on XX/XX/XXXX, XXXX XXXX XXXX # XXXX on XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX on XXXX, XXXXXXXX XXXX  XX/XX/XXXX XXXX # XXXX XXXX XXXX XXXX  XXXX # XXXX on XX/XX/XXXX XXXX XXXX XXXX Reference # XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX at a XXXX XXXX of XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX # XXXX {$31000.00} XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX XXXX Score XXXX, XXXXXXXX XXXX XXXX XXXX score XXXX on XX/XX/XXXX XXXX XXXX XXXX  # XXXX on XX/XX/XXXX, By turning account into a charge-off they are able to keep account on the credit report inaccurately
Product: Credit reporting

I submitted a complaint to XXXX, TransUnion and XXXX and they verified the following accounts : XXXX XXXX credit cards, XXXX XXXX XXXX credit cards, and XXXX XXXX credit card. I sent them a request for the verification of the documentation they have on file for these creditors per section 611 ( 5 ) ( a ) of the FCRA. But they continue to report the information would providing me with the proof of " signed documentation '' from their systems. I sent the letter certified letter return receipt on XX/XX/2017 and I also faxed it on XX/XX/2017. Verification only required a 15 day turn around by law and none of the XXXX reporting agencies have responded to my request. Thank you for your time and consideration.
Product: Credit card

I opened a credit card account with Barclays Bank I was informed that I had a {$5000.00} limit. I received the first statement and there was a {$490.00} charge on the account and when I called the company they told me that was their yearly fee even though on the application it said there is only an annual fee. This fee was charged within 2 weeks of opening the account and I have not used the account one time this fee is also listed as a charge against the {$5000.00} credit that they extended. If I had known that I would be charged a separate fee directly to the card as soon as it was opened I would not have opened the card. I feel that this is predatory lending. I notified the customer service agent that I was not happy with the charge and also not happy that it was directly charged to my credit that was extended and thereby I do not have a {$5000.00} limit I have {$5000.00} - {$490.00} which is clearly deceptive in a business practice by a lending institution. This is my official complaint about these practices and I felt that the complaint department of this agency should be informed that this is occurring and it should be looked into because I am sure they are doing this to other people. I feel that if you are going to be charged a fee you should be sent a bill showing that there is a separate charge not charge directly to the amount that is lended. This I believe violates the truth and lending practice that all banks are morally obligated to uphold and constitutes a direct violation of predatory lending and also it just doesn't sit well. I work hard for every dollar that I make and I do not appreciate being charged for a fee that will appear on my credit report as credit usage when clearly this is just a fee. Thank you for your time I appreciate giving this information to you so that it can be forwarded to the correct level of investigatory processing.
Product: Money transfer, virtual currency, or money service

Requested on XX/XX/XXXX than XXXX USD was deposited in a XXXX account. They instead deposited XXXX dollars and a lower amount than was expected based on the lowest exchange rate for that day. XXXX USD less. Their site stated that they were no fees associated with transfers over XXXX USD. Despite repeated requests they have not addressed the discrepancy adequately. This seems like a scheme to consistently steal money from clients using a hidden fee structure and might be a violation of XXXX XXXX. I suspect this is a happening to many customers who are transferring money internationally. Please investigate this unfair banking practice.
Product: Credit reporting or other personal consumer reports

My aunt XXXX XXXX XXXX is a known XXXX with a lengthy criminal history, mostly in XXXX  and XXXX. She has stolen various things, including identities from her own family and just about anyone else she encounters. My credit score got dinged from the XXXX to XXXX because of this fraudulent account. I had not received any billing prior to this hitting my collections on my report but XXXX was able to provide a better contact number which I called and discovered she used my information but her own email address as the contact email. This is another one of her many fraudulent accounts and does not belong to me.
Product: Debt collection

On XXXX XXXX, 2016 I recieved a notice on my credit report that the Debt Collection Company Williams & Fudge Inc. had posted a collection account on my credit report. I was never notified by phone or mail that I had a collection account with Williams & Fudge Inc. as required by law. Because I was n't notified about this collections account I did not have the opportunity to resolve or verify the accuracy of the account to respond on whether the account belongs to me or not.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under USC 1681 section 6.2 states that I have the right to privacy ( 15 USC 1681 ( section 604 a section 2, also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Through my rights in accordance with 15 USC code 1681b I did not give written consent to any collection agency to report anything to credit bureau.
Product: Checking or savings account

I am writing the complaint regarding multiple overdraft fees applied to my account. Despite having sufficient funds available at the time, these fees were still assessed. However, due to heavily delayed posting of transactions and credits, my account has been changed unfairly since opening an account back in XXXX 
The issue stated above is consistent with the recent findings by the CFPB. These practices have been displayed by Navy Federal Credit Union.
Product: Credit reporting or other personal consumer reports

I received message from XXXX XXXX and discover that my credit has been reduced due to excessive inquires. I have not applied for credit with any source over the pass 18 months. I called XXXX XXXX  and requested they stop but they have run it daily Please assist
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year>