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

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : Transunion Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX  XXXX Account number : XXXX
Product: Debt collection

I received a letter from Marcadis SInger, PA Attorneys at Law claiming that I owe a debt for XXXX XXXX XXXX. This my first time having this communication from this attorney office. Ive already sent off a validation to XXXX XXXX XXXX on XX/XX/2022 about this alleged debt. I havent heard from XXXX XXXX XXXX nor Marcadis Singer, PA until now. The certified letter with tracking # XXXX to XXXX XXXX XXXX and it was delivered XX/XX/2022 at XXXX. Ive also sent a validation of debt to Marcadis Singer, PA attorney at law about this same debt ( tracking # XXXX ). Which is now in transit to the attorney office. It been almost a year from the first time communication from XXXX XXXX XXXX. Additionally, I am allowed 30 days to dispute the validity of the debt. If you are unable to provide me with proper proof, then you must stop attempting to collect this alleged debt. 
If you continue to claim I owe a debt that you can not confirm with proof then you will be in direct violation of the FDCPA 15 USC 1692g. Additionally, any attempt on your part to report this alleged debt to my credit reports will be a violation of the Fair Credit Reporting Act.
Product: Debt collection

Collection Account by the name : CONVERGENT OUTSOURCING Date Opened : XX/XX/2022 Contacted the company via phone to request method of verification for the account. Received no response or pickup from the company.
Product: Credit reporting or other personal consumer reports

LEXISNEXIS you are in violation of the law. You are reporting a Bankruptcy on my Consumer Report that you claim to have verified and is Metro2 Compliant. Bankruptcy is considered public records because it can be accessed for a fee through a system called PACER. The thing about public records is that nobody reports them to Consumer Reporting Agencies. I have a written and Signed Letter from the court stating they do not furnish information to the Consumer Reporting Agencies. PACER is an electronic system the courts use to store information, but its not reported to the Consumer Reporting Agencies. So that leaves me, the Consumer to believe that you infringed upon my right to privacy and colluded with PACER to have them take the fall in case you were sued since you know the reporting of information about someone without their knowledge is FRAUD 15 USC 1681 ( a ) ( 4 ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 

The Privacy Act requires that agencies give the public notice of their systems of records by publication in the Federal Register. The Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual unless the disclosure is pursuant to one of twelve statutory exceptions. The Act also provides individuals with a means by which to seek access to and amendment of their records and sets forth various agency record-keeping requirements. 

PROHIBITS : formally forbid ( something ) by law, rule, or other authority. 

15 USC 1681b - Permissible purposes of consumer report ( a ) IN GENERALSubject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates
Product: Credit reporting or other personal consumer reports

As per the Fair Credit Reporting Act, Section 602 ( a ) of 15 USC 1681 emphasizes the importance of ensuring that consumer reporting agencies carry out their significant duties with fairness, impartiality, and a regard for consumers ' privacy rights. XXXX, XXXX, and Experian operate as consumer reporting agencies, and I, as a consumer, hold the right to safeguard my private information, supported by 15 USC 6801, which underscores the obligation of financial institutions to uphold customer privacy and safeguard nonpublic personal information. Under Section 604 ( a ) ( 2 ) of 15 USC 1681, it is outlined that consumer reporting agencies can only furnish consumer reports upon the explicit written instructions of the relevant consumer. Neither the financial institution nor the consumer reporting agencies, XXXX, XXXX, and Experian have my consent to furnish this information, as reiterated by 15 USC 6802 ( b ) ( c ), which mandates that financial institutions must inform consumers of their right to opt out of information disclosurea right that was not communicated to me by the furnisher of information. Moreover, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse information in consumer reports without proper authorization, a provision violated in this instance. Additionally, 15 U.S. Code 1681s-2 ( A ) ( 1 ) prohibits the furnishing of inaccurate consumer information, and 15 U.S. Code 1681e mandates consumer reporting agencies to maintain reasonable procedures to prevent violations and limit the furnishing of consumer reports for specific purposes. XXXX, XXXX, and Experian are failing to uphold these standards. Furthermore, as stated in 12 CFR 1016.7, consumers retain the right to opt out at any time, a right I am now exercising with regards to your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX  I asked on XX/XX/2019 I asked to set my account on automatic payment their response was that I could not set it on autopay. Subsequently, my daughter was hospitalized in XXXX and in XXXX my grandmother passed and I was hospitalized due to XXXX XXXX which prevented me from making my payments. I pulled my credit report and XXXX XXXX XXXX reported on my credit that this went into collections and I was not notified in writing as I moved and told them this on XX/XX/2019.
Product: Checking or savings account

I followed TD Banks offer to open a new TD beyond checking account ( XX/XX/2020 ), for new customers and I followed their terms, to be a new customer and receive direct deposits of {$2500.00} or more within 60 days of opening the account. I have had 4 statements now ( about four months since I opened the account ). I called first my local branch and they told me to just be patient, very rude and not helpful. Then about 2 weeks later I called customer service and they first told me I was not eligible and just danced around with excuses for why I would not get the bonus. Then I asked for a manager,  XXXX came on the phone and said YES I was eligible they just had to contact the promotions department. At this point I was over 1 hour into this on the phone waiting and talking to people. She finally came back reassured me that I will be getting the bonus. One week later and still nothing. I called again today, I was on hold again for about 30 minutes and could not even reach anyone. What person can spend this much time trying to get what they were promised? This is obviously FRAUD and they should be investigated, I want them to keep up their end of the offer, I should not have to even call once, this should be automatic, instead I believe they do this on purpose because who can spend hours on the phone hunting them down, most people would give up. I won't however!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Experian credit bureaus is not reporting my student loan accounts on my credit reports with the Department of education. I have a active current account with XXXX XXXX student loans ( XXXX ). I sent a complaint to both credit bureaus several times sinceXX/XX/2017. To date both credit bureaus have not resolved my complaint. I am submitting this complaint to the XXXX XXXX XXXX so that XXXX and Experian and correct my credit report and start reporting accurate student loan information from XXXX. Inaccurate information on credit reports is hindering me from getting loans and good interest rates.
Product: Credit reporting, credit repair services, or other personal consumer reports

Marcus by Goldman Sachs gave me a credit card. On XX/XX/2022 the closing balance on the account was XXXXXXXX XXXX and the balance on the card is still XXXXXXXX XXXX. Yet on my credit report it is showing that I owe {$1400.00} on the credit card and that is false. 
The balance on the card is XXXXXXXX XXXX and it should be reported as such. 
Kindly fix the account balance being reported on my credit report to XXXXXXXX XXXX  please on my Marcus by Goldman Sachs Credit card please.
Product: Mortgage

I want to file a Complaint against : Chase Bank. I am a victim of " Dual " Tracking ''. On XX/XX/XXXX I sent Chase a completed RMA. ( Request For Mortgage Assistance ) packet. Two weeks later the rep confirmed they had received it and it was complete. I was approved for a Short Sale. I listed my house on XX/XX/XXXX and received a contract on XX/XX/XXXX with a $ XXXX escrow check. Currently there is a Valid contract on the house with the $ XXXX deposit. My Realtor can verify this information. Chase rejected the first offer. On XX/XX/XXXX a new offer was submitted. It has not been accepted or rejected as of this date XX/XX/XXXX. 
On XX/XX/XXXX Chase sends me a letter requesting more info from the XXXX. office ( Short Sale Dept ) I call, they tell me " No problem, all paperwork is in ''. XXXX Reps agreed all paperwork is in. On XX/XX/XXXX..Chase sends me a Foreclosure Notice and a Sale Date of XX/XX/XXXX from Fla.from the Foreclosure Dept. This is a " serious '' violation of the XX/XX/XXXX RESPA ( Regulation X ) Mortgage Servicing Rules. According to CFPB " dual tracking '' is when a mortgage lender or servicer simultaneously is evaluating a Consumer for a loan modification or alternatives at the same time that if prepares to foreclose on the property. The final servicing rules make it Unlawful for the mortgage servicer to lead the Consumer down one track where they think they are being considered for a foreclosure alternative when the Consumer is begin led down another track to foreclosure ''. I have done everything in my power to make this Short Sale work. I have prepared countless hours of paperwork to listing the property, getting a valid buyer with funds ready to settle. Only to have them " play games '' and give incomplete answers to questions. I am XXXX, XXXX. They said I would get $ XXXX HAFA money to re-locate yet will not put it in writing. This was a condition of me willing to do a short sale. I now want $ XXXX to relocate and for this Short Sale to go thru.
Product: Credit reporting or other personal consumer reports

To whom it may concern, As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I contacted your company to inform you that I am a data breach/identity theft victim. I also contacted the Federal Trade Commission and filed an attached FTC Report. I demanded that you please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within XXXX business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX  XXXX - XXXX - This is completely inaccurate.
Product: Credit reporting or other personal consumer reports

I PULLED MY TRANSUNION CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act Convergent, the accounts listed on my attachments has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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.
Product: Vehicle loan or lease

I now received XXXX payments of {$1400.00} per month. When I placed the loan 2.5 years ago I was fully employed. My husband has been very ill over the past year and has caused a temporary hardship due to this fact. He has a XXXX XXXX which is now controlled as of date. We have had to deplete all savings in this regard but now we are starting to get back on track because my husband is back working full time. The reason for this complaint is that I talked to a Honda Financial Services financial supervisor named XXXX. She told me to XXXX XXXX a full payment which is {$780.00} to her by XXXX XXXX  today of which I sent around XXXX CST today and that I would need to make another payment by next Friday, XX/XX/20 and I committed to make that payment with her. Well apx. an hour after I made the payment a recovery service was picking up my vehicle out of my yard. I told them I had made the payment and payment arrangements with Honda Financial and they had to be at my home in error. I called XXXX back and she will not answer the phone and another representative named XXXX told me that they were going to refund my money back and they would be keeping my vehicle. I fulfilled the verbal agreement I made with her, so I do not understand how a credible business can break their verbal promise that I have complied to. They are foretelling my financial future to tell me I will not be able to pay the car note and I have had this vehicle over 2 years and I am expecting a large sum of money in the immediate future to cure all financial concern, so they have discriminated against me and lied to me
Product: Credit reporting, credit repair services, or other personal consumer reports

I been a victim of fraud I have called Experian serval times in a year the refuse to remove information thats not mines. There is 17 inquiries on my credit report that are unauthorized they keep giving me the run around to call the companies that ran it which I have done and they tell me to call Experian.There are also 2 collection account I do not recognize they will not provide me with verifiable information that they belong to me. I have 3 accounts thats providing incorrect information From XXXX XXXX, XXXX XXXX which where paid on time. I have a credit card that is not reporting I have asked them several times I can not get a strait answer .I hope this can be resolved its hurting my opportunities to open new credit lines and employment. 

Inquiries XXXX XXXX DATE XXXX XXXX XXXX XXXX XXXX DATE- XXXX, XXXX, XXXX XXXX XXXX XXXX  DATE- XXXX XXXX XXXX XXXX DATE- XXXX XXXX XXXX XXXX DATE - XXXX XXXX XXXX XXXX  DATE- XXXX XXXX DATE XXXX XXXX XXXX NA XXXX XXXX, XXXX XXXX XXXX DATE XXXX, XXXX, XXXX XXXX XXXX XXXX AMOUNT {$720.00} XXXX XXXX XXXX AMOUNT {$590.00} XXXX XXXX LATE XXXX XXXX XXXX DATES XXXX XXXX XXXX DATE XXXX Credit card not reporting -XXXX XXXX
Product: Checking or savings account

Hello and good afternoon i have a bank account with citizen banks in XXXX ny. I find out that were more than XXXX fraudulent transaction i notify the bank ASAP and the bank declined my request in the sum of {$8800.00} the bank doesn't want to be responsible i have contacted the chairman office of citizen name XXXX and he never returned back my call i have exhausted all my options and i need help now i dont want to sue the bank but if i dont have choice i will sue them for taking so long
Product: Credit reporting, credit repair services, or other personal consumer reports

I notified Transunion that I am a victim of identity theft, they accused me of being a third party. My name is XXXX XXXX, and I am a victim of identity theft. I am NOT a third party or a credit repair company.
Product: Debt collection

On XX/XX/XXXX I filed a complaint through you guys against the company, Merchant Adjustment Services and the company responded back on XX/XX/XXXX with incorrect and false information. The company stated that after a letter was sent XX/XX/XXXX, I did not respond! As I stated in my first complaint my last correspondence was XX/XX/XXXX in which the company did not respond. Also the dates on the company 's response is very confusing, I don't understand the reply were they said on XX/XX/XXXX it was verified with the credit bureau that the account was showing as disputed and today 's date is only XXXX XXXX. 
I also sent a correspondence to this company on XX/XX/XXXX, showing that the response is incorrect
Product: Checking or savings account

Capital one normally pays consumers on Wednesday versus Friday for early direct deposit. I understand this is a luxury however, it is Friday afternoon and we still have not been paid our money. This is an inconvenience for myself and other customers as well. People are racking up overdraft fees and more because of this and their lack of communication makes things look really suspicious. It is mighty convenient they got hit with a lawsuit on Tuesday and now this.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.l received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 
XXXX. 15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account XXXXXXXX XXXX XXXXXXXX Please remove it from my credit report.
Product: Mortgage

I have a home equity line of credit with Wells Fargo Bank. I owe about {$18000.00} on this loan. I recently had a salary increase and I'm trying to pay this loan down at an expedited rate. I find it best to make payments as money flows into my bank account, however, after making 3 payments in a calendar month, Wells Fargo will not allow me to make additional payments. In other words, I am trying to pay them what I owe, but they refuse to accept the payment. They claim I can pay additional payments but only if I have a Wels Fargo bank account, which I do not want or have. I have sent them messages via email and XXXX. I usually get a canned response like " We are looking into this '' but no other reply.
Product: Money transfer, virtual currency, or money service

Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They let me know that recovering lost funds is impossible and were not able to track the funds either. I am beyond grateful that CFPB has indicated that Zelle has neglected to protect consumers and additionally, allowing repeat offenders to exploit the system, leaving users vulnerable to scams. Finally action is being taken because it is not right. The lack of accountability is unacceptable as consumers have no safety.
Product: Credit card or prepaid card

In XX/XX/2022, I made a purchase to XXXX XXXX XXXX using a paypal account, pay and XXXX loan. I paid cash in 4 installments via my paypal. There was an ongoing dispute with the retailer that was eventually resolved and a refund was issued by XXXX to Pay Pal for XXXX under transcaction XXXX. The issue is that the refund went to a closed paypal account under the same email and phone number as that paypal account that the original pay and 4 purchase was made was closed for security reasons in XXXX. Pay pal sees the refund and acknowledges it but for some reason they can not seem to either transfer the funds or credit to the new and open paypal account, issue a check or send the refund back to XXXX and bascially are keeping the funds. I have logged in hour and upon hours on this issue with no success or resolve.
Product: Credit reporting or other personal consumer reports

After carefully reviewing my EQUIFAX credit report on XX/XX/year>2024 I noticed that there is XXXX duplicate accounts on my credit report. These XXXX are listed twice and should be listed only once. 
- XXXX XXXX - XXXX - XXXX  XXXX - XXXX - XXXX XXXX XXXX - XXXX I am filing a complaint against equifax and I am requesting the duplicated accounts removed from my credit report within 30 days.
Product: Debt collection

I did not break no lease this is was closed in court by XXXX which is preserve in XXXX illinois. New management XXXX