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

TO YOUR COMPNAY ( I HAVE ACCOUNTS ON MY CONSUMER REPORT THAT ARE REPORTING Inaccuracies in the dates. THESE ACCOUNTS ARE INACCURARTE AND ARE A VIOLATION OF THE FCRA AND MUST BE DELTED IMMEDIATELY. AFTER THIS INVESTIGATION, DELETE THESE ACCOUNTS FROM MY CONSUMER REPORT IN THE RESOLUTION BOX. DELETE THESE ACCOUNTS 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 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 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  TO YOUR COMPNAY ( I HAVE ACCOUNTS ON MY CONSUMER REPORT THAT ARE REPORTING Inaccuracies in THE PAYMENT HISTORY. THEY ARE SHOWING LATE PAYMENTS IN THE PAYMENT HISTORY WHICH IS AN INACURATE IN REPORTING. THESE LATE PAYMENTS ARE INACCURATE AND ARE A VIOLATION OF THE FCRA AND MUST BE ( UPDATED IMMEDIATELY TO PAID AS AGREED, PAID ON TIME, NEVER LATE ). AFTER THIS INVESTIGATION, UPDATE EACH DATE IN EACH ACCOUNT TO PAID AS AGREED, PAID ON TIME, NEVER LATE '' UPDATE EACH DATE IN THE ACCOUNT HISTORY OF THESE ACCOUNTS TO NEVER LATE, PAID ON TIME, PAID AS AGREED -- -- ( 6 accounts for the DEPARTMENT OF EDXXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX are not following the correct steps that I have researched when requesting to remove an item from your credit report. I am disputing my bankruptcy. The bankruptcy was for my business XXXX XXXX XXXX and should not be reflected on my personal credit information. Experian and XXXX continue to report it and they have not contacted the XXXX District US Bankruptcy to verify this information. XXXX removed it from my credit report almost two years ago. I am asking this information be removed immediately.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in the light of of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous of times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. 

I would like to properly compensated for this negligence and i can be reached at XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax to remove dispute remarks on my credit in XX/XX/XXXX as I was informed by the mortgage lender this was necessary to complete loan. They told me that my dispute remarks were being removed and would be completed in thirty days or less. I then in XX/XX/XXXX spoke with them told them it was not removed and was transferred to a supervisor she stated the remarks were removed as of that day and that It would be in the mortgage lender database. I let her know this issue has caused financial harm of missing purchase of a home and interest rate locking by their omission to complete the request. Per the FCRA I asked for copy of credit report. I then had my credit re-run by mortgage company as manager assured me the dispute remarks were removed and they again appear on the credit report. I called today XX/XX/XXXX and spoke with representative sho said it shows removed in system but remains and there is some sort of error and id have to wait another thirty days for a re-dispute. I told mortgage company and XXXX XXXX and the homebuilder will not wait, lost the XXXX XXXX! I am seeking damages of my deposit of {$5000.00} and hardship and time cost {$5000.00} totaling {$10000.00} for this financial harm.
Product: Credit card

I was redeeming rewards points for airline tickets under XXXX program and I was charged a {$150.00} fee for booking this travel within 21 days of the flight. At no time during the booking of the flight was I notified that there would be a charge for booking. I contacted them and they informed me that there was nothing they could do and if I failed to pay the charge they would report it on my credit report. I was also billed an additional {$22.00} for this transaction that was disclosed and agreed to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of this account.. On the attachment it is down in the body XXXX XXXX XXXX XXXX and XXXX acceptance for XXXX. 
Thank you.
Product: Credit card or prepaid card

I noticed on my credit report my American Express card was closed. I had a {$25000.00} credit limit with them, the highest of all my cards, so I noticed because my available credit being much lower than normal. This is how I was alerted my card was closed. I contacted American Express last week and was told it was closed to do inactivity. I get it, i hadn't used it in quite some time, but they didn't give me any warning. The guy I spoke with say they could reinstate my card because that it wasn't closed because of anything i did wrong. He said they would send me a new card in the mail. Since, my score has dropped a little ( XXXX now, was above XXXX ). I got a letter in the mail saying they couldn't reinstate my card because my credit score dropped. Again, it dropped because of THEM. I was just hoping they would open my card and my life would go back to normal. I tried reaching out to someone last night and they said i had to call account services today. I talked to three different people, kept being told i was at the wrong department until i got a woman who said i was sent a letter XX/XX/XXXX via my email that they were closing my account due to my credit score! I don't have this email in my records. She patched me over to a guy who said it wasn't an email, but a letter mailed out XX/XX/XXXX that says they're closing my account due to my score. That isn't what happened. XX/XX/XXXX was the letter i received that they couldn't reinstate my account -- not that they were closing my account. I asked him why they would just up and close my account and they said they could do that at any point to anyone. I asked what would have happened if i had a balance and he said they reserve the right to close the account at any time making the complete balance due at that time. THIS IS INSANE. I can not believe they would do such a thing to their consumers. I have never missed a payment with them! I can't believe now, more than ever during a pandemic that they would do this! I am speechless. I don't even want my card reinstated, i will never do business with them again.
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I turned Transunion into the fraud department of my bank for removing money out of my account monthly for approximately a year that I became aware of by signing up with online banking. Consequently, between Friday ( when my bank filed the dispute and Tuesday, my score with transunion dropped about XXXX or more points with no change in information. What can I do?
Product: Credit reporting or other personal consumer reports

As per the FCRA a federally protected consumer I am now opting out of all and any Authorization. I the consumer My have given written, unwritten, verbal, non-verbal consent. I am opting out. 

date account started XX/XX/XXXX AS per 15 U.S. Code 6805 - Enforcement 15 U.S. Code 6801 - Protection of nonpublic personal information 15 U.S. Code 1666e - Notification of credit card issuer by seller of return of goods, etc., by obligor ; credit for account of obligor - 15 U.S.C. 1666 - Correction of Billing Errors- 15 U.S.C. 1666B - Timing of Payments - 15 U.S.C. 1681A - Accuracy and Fairness of Credit Reporting - 15 U.S.C. 1681B - Reasonable Procedures- 15 U.S.C. 1681C-1 - Identity Theft Prevention - 15 U.S.C. 1681C-2 - Block of Information resulting from Identity Theft - 15 U.S.C. 1681E - Compliance Procedures- 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 6803 - Disclosure of institution privacy policy 15 U.S. Code 6801 - Disclosure of institution privacy policy Privacy Act of 1974
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to CAPITAL ONE XXXX XXXX XXXX XXXX XXXX  Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditor 's customer service representative. And, also I dont know this item, not mine. You're reporting this item erroneously. This is an error and inaccurate information must be deleted from my credit file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please delete this.
Product: Money transfer, virtual currency, or money service

Fake customer service and its against the law to have a viral account with no customer service
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report Despite my submissions, XXXX 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, XXXXXXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C S {$5500.00} ( 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 XXXX complies with federal law and provides consumers with the necessary proof of investigation. 
Accounts that need removed due to inaccurate information is below XXXX XXXX amount {$730.00} LXXXX XXXX amount {$5900.00} XXXX XXXX amount {$1800.00} XXXX XXXX {$3800.00} XXXX XXXX ( three listed that I am authorized user on not owner but it is reporting late on my credit files Biglots- I was authorized user not owner but late payments are effecting my credit file negativity
Product: Debt collection

A certified letter was mailed to Credence Resource Management on XX/XX/2020. The certified letter XXXX XXXX XXXX XXXX XXXX was received by Credence Resource Management on XX/XX/2020. To date, I still have not received any response from the company or any supporting documentation to prove that I owe this debt. I was unaware of this debt and I have never received any documentation stating that I owed this debt. I only became aware of this debt when I ordered my credit reports recently. They have had ample time to respond to my letter and provide the necessary proof that I have requested.
Product: Credit card

After I paid my total balance and closed my card, I was charge 2 months of retroactive interest totaling to {$25.00} due to the " timing '' of when I closed my account.
Product: Debt collection

VOSS AND KLEIN COLLECTION AGENCY REPORTS TO THE CREDIT AGENCY AN ACCOUNT THAT WAS PAID ALREADY. 
THE ACCOUNT WAS LATE 30 DAYS AFTER THE FIRST INVOICE ISSUE ON XX/XX/XXXX, THEREFORE BY LAW IT SHOULD BE OUT OF MY CREDIT REPORT 7 YEARS AFTER XX/XX/XXXX WHICH IS XX/XX/XXXX. 
THEY REFUSE TO REMOVE THE INFORMATION FROM MY CREDIT REPORT. THEY SHARE WITH XXXX, XXXX AND XXXX
Product: Credit reporting

This account has been in dispute with equifax and XXXX came back with the information verified, which it is not correct. Please review the information below. This entire account should have been removed, it came back verified from equifax so I redisputedit. It came back verified with XXXX. 


Equifax TransUnion Account Details Last Reported XXXX XXXX, XXXX XXXX XXXX, XXXX Creditor Name XXXX XXXX Account Type Education Loan Student Account Status Closed Closed - Transferred Opened Date XXXX, XXXX XXXX XXXX, XXXX Closed Date XXXX XXXX, XXXX XXXX XXXX, XXXX Limit -- -- Term -- -- Monthly Payment {$140.00} {$140.00} Responsibility Individual Account. 
Individual Balance {$0.00} {$0.00} Highest Balance {$14000.00} {$14000.00} Payment Status Current Current Worst Payment Status -- Late 120 Days Date of Last Payment -- -- Amount Past Due -- $ XXXX Times 30/60/90 Days Late XXXX/XXXX/XXXX XXXX/XXXX/XXXX Remarks Consumer disputes - reinvestigation in progress Transfer
Product: Payday loan, title loan, personal loan, or advance loan

I am writing to file a formal complaint against Synovus Bank and its Servicer XXXX, XXXX regarding their unauthorized sharing of my nonpublic personal information with non-affiliated third parties and consumer reporting agencies. I have taken appropriate steps to exercise my rights under 15 USC 6802 of the Gramm-Leach-Blitey Act ( GLBA ) to opt out of such information sharing. and I believe my privacy rights have been violated. 

On XX/XX/year>, I notified Synovus Bank and its Servicer XXXX that I am opting out of any and all authorizations, whether written, unwritten, verbal, or non-verbal, for the sharing of my nonpublic personal information with non-affiliated third parties, including consumer reporting agencies, for any purpose other than those necessary to provide me with financial products or services I provided this opt-out notice in accordance with the legal requirements outlined in 15 USC 6802 , and I have retained documentation of my communication with the institution. 

Despite my explicit opt-out request and my clear assertion of my rights under the GLBA, I have reason to believe that Synovus Bank and it's Servicer XXXX XXXX XXXX has continued to furnish my nonpublic personal information to non-affiliated third parties and consumer reporting agencies without my consent. 

This unauthorized sharing of my personal information constitutes a serious violation of my privacy rights and a breach of federal law. I am deeply concerned about the potential consequences of this unauthorized sharing, including the potential for identity theft, fraud, or other financial harm I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that Synovus Bank and XXXX, XXXX, complies with all federal regulations and laws, including the GLBA, to protect the privacy and information security of consumers uke me. 

Additionally, I would appreciate regular updates on the progress of this investgation and any actions taken to address the violations committed by ( Financial Institution Name ). 

Please feel free to contact me at XXXX or XXXX if you require any further information or documentation to proceed with the investigation. I am committed to cooperating fully with your office to resolve this matter and to protect my privacy
Product: Debt collection

Went to XXXX XXXX XX/XX/2017 paid the amount owed the doctor said come back 7 day later there would be no charge this collection agency is puttin false charges on my XXXX XXXX XXXX credit reports I done went back to XXXX XXXX  they said there was no charge this collection agency should be fined by the federal government + they are putting medical information in credit reports
Product: Mortgage

See the attachment attached below. 

I'd like answers to these questions. 
Why was the {$49000.00} cashed when it was never applied???? The XXXX bill pay says the money will not be removed from my account until the check is cashed. The money was removed from my account. 
So, where was the money after it was removed from my account?? According to the Bill Pay the money is only taken from the account AFTER the check is cashed. Yet, I was told the CHECK was being returned per Nationstar phone calls on XX/XX/2019. Instead the check was cashed and the money taken from my account on XX/XX/2019. Then XXXX Nationstar Mortgage sent a check from XXXX to an address I have not used for years. My address had been updated every time it has been changed. The check took weeks to arrive to my correct address. Amazingly after 2 address changes over 3+years, thank you US Postal Service XXXX for getting the check to me. 
So, I have a check for {$49000.00} that arrived weeks later after the money was removed from my account. 
I still hold on to the check. If the check was not applied to my mortgage why was it cashed??? According to Bill Pay the check was cashed. 
Where was the money from the time it was cashed on XX/XX/2019 till the time XXXX wrote another check to me and sent to the wrong address?? 

For explanation of the complaint and the response, see attachment. 

This situation has shown incompetence, absolute lying, making up rules to fit their own agenda and cover their own mistakes. These are people representing a mortgage company. 
The person, XXXX XXXX, XXXX, says to call and she never picks up her phone. She then says she will schedule a time at " my convenience ''. I work 16 hours a day and can not talk on the phone during that time. She never called when it was convenient for me because she works her convenient shift and leaves. 
How is it they just make up their own rules as they so fit their agenda?? 
If employees like XXXX XXXX, XXXX, are so overworked and stressed out then XXXX needs to provide some EAP services. If not then why are they not performing their jobs??? Is it entitlement to not provide customer service to maybe certain age groups?? Down with the baby boomers who caused all the worldly problems?? Certain genders get no respect?? Certain people who work 7 days a week 24/7 to better there life get no respect?? NOTICE I AM WRITING THIS ON XXXX DAY!!!! XXXX employees/ Nationstar employees are sure not working.
Product: Credit card

I asked Target for help on XX/XX/XXXX. My bill was a little over {$4500.00}. 
This card has been closed since XX/XX/year> when i found fraudulent activity and reported it. My balance after a payment of {$190.00} in XXXX was {$4700.00}. 
I endured months of asking CFPB to help me with Target who claimed i had returned payments on my account and made charges that were not mine. 
My balance even though i paid never went back to what it should be at {$4700.00}. 
I spent 9 months still paying to this account $ XXXX with over now {$1500.00} in interests fees. 
I pay and the balance goes up. 

On XX/XX/XXXX after finding out my home 's owner wanted me, my senior parents and daughter to move out so she could sell i calked credit cards to ask for help. All i have is my credit score.

When i called Target the representative said other credit cards can help but that doesn't mean they should. 
Today XX/XX/XXXX i called back to see if they would help after i contacted CFPB to help on my behalf. They only increased my payment and when i asked for help there was none. 
After much tears and defeat i borrowed from my retirement unwillingly and paid the over charged credit card balance. At least with my retirement i have less interest and 5 years. And way less stress and over charges. 
My balance last XX/XX/year> was XXXX. I paid every month on time more than the minimum ( $ XXXX ). When i needed help nothing could be done with added unkindness ). 
Please CFPB confirm with them my account is paid in full and closed and erase me from their database forever. 
I wish i had some help. 9 months of just taking my money. I have not used the card since XXXX to help my daughter with the dentist.
Product: Credit reporting or other personal consumer reports

I was never late on my student loan debts and on all bureuas its reporting late in XXXX and XXXX this is a huge mistake and its messing up my credit report
Product: Credit reporting or other personal consumer reports

THESE HARD INQUIRIES ARE NOT MINE, NOT ASSOCIATED WITH ANY ACCCOUNTS IN MY NAME, AND MUST BE REMOVED PER THE FCRA

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

REMOVE THE ABOVE HARD INQUIRIES THAT ARE NOT ASSOCIATED WITH ANY ACCOUNTS AND RESTORE MY CREDIT FILE REPORTING TO ACCURATELY REPORT MY FILE.
Product: Credit card or prepaid card

I opened the credit card and was told I could use the discount all day in store and online. That was not true. I then make payments through my online bill pay with my bank and they claim to have not received any payments. They started assessing late fees. I contacted the company and they said no payments received. I spoke to a rep and she told me to contact my bank and that I still needed to make payment. I contacted their XXXX XXXX department and spoke to someone and they confirmed that my account was closed without authorization as well as no payments being received. I had stop payments issued per my bank and paid the balance. They then cashed the check weeks later that they never received and issued a return fee for {$30.00}. Its unethical and needs to be removed. Attached is a statement from my bank showing the dates the payments went out. I contacted XXXX the second week of XXXX. They chased the payment after telling me they never received them and to issue stop payments or continue collecting fees
Product: Student loan

I've been in the PSLF program since XXXX, in XXXX I learned that I had several loans that didn't qualify. I consolidated those loans into one unsubsidized loan and one subsidized loan, since XXXX I've had those two consolidation loans and 5 direct loans. Last XXXX I did an employer certification and had updated payment counts of 107 on my five direct loans and a payment count of 69 on both consolidation loans. This month I received forgiveness on the two consolidation loans but at this point the five direct loans remain unforgiven. All the loans originated prior to my public service and all should have the same payment counts under the waiver. 

I emailed Fedloan but haven't received a response at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

A notice of default was sent to Equifax by certified mail # XXXX attached with an invoice for their acceptance and agreement by acquiescence and failure to cure the issue within the specified time frame given and by not removing the unauthorized inquires done under identity theft.