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

I am writing to formally dispute the outcome of your investigation regarding the fraudulent account ( s ) or transaction ( s ) reported under my name. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, I have the right to dispute inaccurate or fraudulent information on my credit report and to have it thoroughly investigated.

Despite my previous submission of a consumer fraud affidavit and supporting documentation, the investigation has not resolved the issue of identity theft related to my account ( s ). As a victim of identity theft, I have been subjected to unfair financial harm, and the reported information remains inaccurate. 
I am requesting a reinvestigation of the matter, as I believe that the response provided did not fully address or resolve the fraudulent activity. Additionally, I expect that this disputed item be marked as in dispute on my credit report, per FCRA regulations, while the investigation is reopened. 
Please be advised that under the FCRA, you are required to complete this reinvestigation within 30 days and provide me with a written notice of your findings. If the fraudulent activity is not removed or corrected within that time frame, I will consider further legal action, as permitted by the Fair Credit Billing Act ( FCBA ) and other applicable consumer protection laws. 
Thank you for your prompt attention to this matter. I look forward to a timely resolution and the removal of this fraudulent information from my credit report.
Product: Credit card

Capital One is charging too much on interests and late fee which makes it impossible to pay off what's owe. Every time I'm making a payment and I'm getting charged late fee, interest fee and other hidden fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion decreased my credit score by 57 points after I notified them that they still had a balance on a account I had paid off about two months ago. Instead of increasing my crefit score they decrease it.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Dispite using Zelle numerous times and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds wasn't possible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified account listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the XXXX and TransUnion credit bureaus XX/XX/XXXX, but no answer was received. This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate this account, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}
Product: Credit reporting or other personal consumer reports

Code ] Subject : Formal Complaint Regarding Account Closure and Credit Reporting Discrepancies Dear [ Bank Representative/Department Name ], I am writing to formally address a significant issue regarding my account [ insert account number ]. In July [ year ], I was informed by your institution that this account would be closed. However, upon reviewing my credit report recently, I noticed that the account is still being reported as open. Furthermore, I have had disputes related to this account denied on the basis that the account was closed, creating conflicting information and causing me financial and emotional harm.

Issues Identified : 1. Inaccurate Credit Reporting : Your institution appears to have provided inaccurate information to credit reporting agencies by continuing to list the account as open, contrary to your communication stating it would be closed. This violates the Fair Credit Reporting Act ( FCRA ), which mandates the accuracy of information furnished to credit reporting agencies.

2. Dispute Denials Based on Erroneous Claims : Disputes I filed regarding transactions on the account were denied, with the explanation that the account was closed. However, this claim contradicts its continued open status on my credit report, further demonstrating inconsistency and negligence in handling my case.

3. Failure to Notify of Changes or Corrections : If your institution decided to keep the account open despite prior communication, I was not notified. This lack of transparency is both misleading and unacceptable.
Product: Credit card

I have Synchrony Bank for several of my store cards Lowes, XXXX XXXX, QVC, Sams Club. The one in question here is Lowes. The company began trying to force me to accept online ( email only ) statements vs physical ( hard copy ) ones by charging XXXX per statement for not accepting this demand. 
I called around mid XX/XX/year> and was advised I needed to set up an online account with them to opt out of the physical mailing feature and into an emailed statement. I was advised of this fee by mail and was told not doing so would result in a monthly fee of XXXX each statement ( a fee for the physical mailing ). 
When I voiced my concerns the associate excused herself, got back on the phone and indicated if the amount is under a specified figure : I believe she said XXXX then no fee if paid in full. I asked about their XXXX interest option for 6-12 mos, depending upon purchase amount and she admitted that the fees would be charged for each statement mailed regardless of amount being paid off or the card agreement of XXXX interest for _said amount of months.

I voiced my concerns with this as I do not download any financial apps. related to my banking or credit cards. I do not trust that they will not be compromised. I work in healthcare and many systems as well as the largest clearinghouse that tranmits electronic insurance claims and payment as been compromised lof late. I requested to opt out of the online emailed statements.

Most of my store cards, I do not use as revolving credit, but instead opt to pay off in full each month are held by Synchrony Bank, thus, this would be an inordinate amount of fees being charged at XXXX per statement, per store card, per month.
Product: Credit card or prepaid card

Barclays Choice Privileges credit card company failed to timely credit my credit card payment. Barclays unlawfully held the payment over a weekend so Barclays could claim false and erroneous charges since I paid off my credit card in full each month. I timely paid, and Barclays timely received, {$220.00} on or before the due date, Friday, XXXX XXXX  2011. However, Barclays failed and refused to timely credit the payment. Instead, Barclays held the check over the weekend and did not credit it until Monday XXXX XXXX, 2011, after the weekend. Barclays then demanded {$35.00} as a false " late fee, '' and {$3.00} in false " interest. '' I immediately notified Barclays of the error and demanded it be corrected. When Barclays refused to respond and correct its mistake, I cancelled my account, terminating any contractual relationship between me and Barclays. Since that time, Barclays has attempted to charge me additional late fees and additional interest for my refusal to pay the original false and incorrect late fee and interest. SUCH LATE FEES ON LATE FEES AND INTEREST ON INTEREST IS NOW ALLEGED TO BE IN THE SUM OF HUNDREDS OF DOLLARS. NOT A SINGLE PENNY IS FOR PRINCIPAL. These false claims are negatively effecting my family 's ability to obtain credit. Clearly this is unlawful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been in an installment loan with XXXX XXXX almost a year. Ive already had issues with them giving out my information to third parties, co-workers among other things. My issues are a signed a forbearance form, considering my area is declared a natural disaster, that my payments be defered until XX/XX/XXXX. Im in the middle of closing a home equity line of credit to pay XXXX XXXX off. As of today, a 30 day deragatory remark is on all three of my credit bureaus which in essence has stopped my process with my home equity line of credit in regard to paying them off and also was completely deceptive in telling me what forbearance was given to me in the first place for.
Product: Checking or savings account

On XX/XX/2021, I received an email from my bank, LendingClub, informing me that my account was locked pending further review. After calling customer service, I was told that the account was locked due to ACH transfers between accounts with different owners. Specifically, ACH transfers between my mom 's XXXX XXXX XXXX Account and my account at LendingClub.

In order to unlock my account, I was informed by LendingClub that I needed to add my mom 's name to my Lending Club account. I and my mother agreed. On XX/XX/2021, both my mother, and I received docusign emails which added my mom 's name to my LendingClub account. All documents were signed and returned to LendingClub on XX/XX/2021. 

On the same day the documents were signed, XX/XX/2021, I sent an email to LendingClub asking for a status. No response was received. I sent several follow up emails, but still no response was received. On XX/XX/2021, I called customer service to get a status update. I was told that my account was still under review. I was further told there was nothing more needed from me, and the matter would be elevated to " urgent ''. 

I subsequently called LendingClub every single weekday, including today, to get a status. Each time, I was told there is no new status, that the matter will be elevated to " urgent ', and that I would contacted shortly. To date, nobody has contacted me, which is why I continue to call daily. 

At this point, LendingClub has had my account locked for almost a month without any explanation. There is a relatively sizable sum deposited in my LendingClub account. Locking me out of my account as resulted in some serious financial consequences to me and my family. Unless this is resolved very quickly, my family may suffer irreparable damage.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from XXXX 


1. Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 4. Company Name : XXXX XXXX   XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 5. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 6. Company Name : XXXX/XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 7. Company Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 8.  Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 9. Company Name : XXXX XXXX XXXX Inquiry Date : XXXX XXXX, XXXX -Unauthorized inquiry by Identity Theft 10. Company Name : XXXX Inquiry Date : XXXX XXXX, XXXX -Unauthorized inquiry by Identity Theft 11. Company Name : XXXX XXXX XXXX XXXX Inquiry Date : XXXX XXXX, XXXX -Unauthorized inquiry by Identity Theft 12. Company Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 13. Company Name : XXXX XXXX   XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 14. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 15. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 16. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 17. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 18. Company Name : XXXX/XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft
Product: Mortgage

I dealt with 1 loan officer, he put a note in computer for no one else to deal with me, no other branches of the same bank. 
He said I would be able to consolidate my debt into my mortgage, and refinance because with personal loan payment it was to high. He disappeared and no longer was at the bank, they said he moved to another location. The employees at that bank refused to help me. I did not have a phone or car and then covid happened and was told to shelter in place at home. Now they are trying to take my home.
Product: Credit card

I am requesting the name, address, phone number, fax and email for the custodian of records who maintains records for the credit card accounts financed by Comenity.
Product: Credit reporting or other personal consumer reports

As a result of a XXXX XXXX, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Collection/Charge Off : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting

I AM VERY DISTRAUGHT WITH THESE CREDIT REPAIR COMPANIES. AS A BUSINESS OWNER I KNOW THAT IT IS IMPORTANT FOR THE CUSTOMER TO BE SATISFIED HOWEVER I SEE EXPERIAN, XXXX DOES NOT GET THE MEMO. I HAVE CALLED AND CALLED AND DISPUTED AND DISPUTED, AND HAVE NOT GOTTEN ANYWHERE. I HAVE XXXX ACCOUNTS THAT I HAVE NO KNOWLEDGE OF WHICH I WAS ADVISED TO FILE A POLICE REPORT WHICH I DID, AND AN AFFIDAVIT WITH THE FTC WHICH I DID AND THE BUREAUS STILL REFUSE TO HELP ME. THERE WAS EVEN AN UNKNOWN ADDRESS TIED TO THE FRAUDULENT ACCOUNT THAT IVE NEVER EVEN HEARD OF WHICH EXPERIAN DELETED BUT IS NOT TRYING TO REMOVE THE FRAUDULENT ACCOUNTS. I AM DISGUSTED AND MY REPUTATION IS IN HARMS WAY AND NO ONE IS TRYING TO BE COMPLIANT WITH THE LAWS THAT ARE SET TO PROTECT US CONSUMERS. I HAVE A XXXX CREDIT CARD ON MY CREDIT REPORT THAT I NEVER EVEN SIGNED UP FOR AND A STUDENT LOAN THAT I NEVER EVEN SIGNED UP WITH KNOWN AS XXXX. IF THIS MATTER IS NOT SOLVED I WILL HAVE NO OTHER OPTION BUT TO FILE A CLAIM IN SMALLS CLAIMS COURT! PLEASE REMOVE!
Product: Credit card

On XX/XX/year> a credit card debt was posted to my credit report by XXXX for the amount of {$1500.00}. I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE. 
ENGELHARDT. V GRAVENS ( MO ) 281 SW715, 719 | PRESUME THAT PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS
Product: Mortgage

Mortgage was purchased by BSI Financial late XXXX. 
XXXX  submitted ( which did not got smoothly and took forever to process ) XX/XX/XXXX. 
PMI was not automatically removed ( although I was told it would be ). I submitted a letter to have PMI removed and eventually it was removed. Escrow overage check was received after XXXX closed out and payment was recalculated. 
I made my new payment each month on time. Most recently, I sent a check for my XXXX payment in the amount of {$1500.00}. The online portal shows the check as received on XX/XX/XXXX, but is listed as being " unapplied. '' It also shows my actual payment amount due as being {$1600.00} and shows that I'm delinquent on my XXXX payment. I've made several efforts to contact the company with no call back as of yet. I'm afraid of being charged late fees or worse, being reported to the credit bureau. They clearly have my latest payment and have not bothered to return my calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following organizations refuse to remove hard inquiries from my credit file that I did not authorize and ran my credit without my permission, causing my credit score to drop. Dispite the aftermath ; I merely asked for each to reverse the inquiry. I contacted each business and even tried working with each Bureau to have them removed. Only one has actually committed to doing the research and complied ( XXXX ) while the others will not send me proof of its actual findings to support keeping these inquiries on my credit file. 

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

In accordance with the Fair Credit Reporting act XXXXXXXX  Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Checking or savings account

Hello Robin Hood financial is well aware that XXXX XXXX has experience in data breach which put my financial information at risk and because of this I believe I had almost tens of thousands of dollars stolen from me. This has not been verified from XXXX XXXX Robin Hood. They do know exactly why Im calling and have been reaching out and no one wants to speak up to verify this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Department of Education/Navient is still reporting about 119 delinquencies on my credit report. My student loans were paid in full by XX/XX/XXXX. I have sent countless letters, e-mails and made phone calls concerning the delinquencies still be reported despite all accounts being paid in full. They have reported duplicate accounts on my report and they refuse to rectify this issue. XXXX and XXXX are still reporting 13 accounts as of XX/XX/XXXX. Navient has a class action lawsuit for deceptive practices and consumer protection. Also under the Rescue Act, they are supposed to abide by certain provisions and they will not update the information on the reporting.
Product: Bank account or service

Navy Federal has decided to practice extremely unfair mobile deposit practices. Their terms and condition state that you have to receive a approval email before XXXX otherwise it will not get processed that day. Although their customer service team clearly tells you that you can make a deposit at XXXX and it will be processed that day. Their is an approximate. 2-6 minute delay in their approval and you receiving the email. And their customer service also informed me that the approval time can take anywhere 20 minutes to 2 hours depending on how busy the bank is. By the impression your customer service gives it is clear that there is some give time in the processing time if you can submit a deposit at the very last second. This is not true. If you do not receive your approve before XXXX you will have to wait 24-48 business hours to get your check approved. No matter what time you submitted your deposit. All this is of course based of the bank time table and their app clock which you as a customer have no way of verify is correct nor do you get any sort of warning prior to depositing that it is close to their cut off time since this is a national bank that runs of EST but if you are n't in EST obviously XXXX EST would be a different time for you. So when I called and was informed their would be a two day hold on my check till tuesday I was upset and all I was told was the term and conditions were clear. Which they clearly are not since their own customer service team either 1 ) does not understand them or 2 ) is intentionally giving customers wrong information so that they will use their overdraft protection and the bank can charge a fee. Either way this huge disconnect in process time is an issue that is not clearly explained to customers and requires a lot of explanation. I have received multiple answers on the timeline of my claim. My check was approved sometime between XXXX EST and XXXXXXXX XXXX EST. No clear answer to that. The app says XXXX approved. One representatives said XXXX another said XXXX but the email was not sent till XXXX. the timeline process is horrendous and seems to benefit Navy Federal how they please
Product: Credit card

I disputed a transaction in the amount of {$90.00} for a transaction occuring on XX/XX/24 for services not rendered. On XX/XX/24, Discover stated " since the services were recieved XXXX XXXX XXXX this charge can not be disputed. '' Pursuant to the Fair Credit Billing Act, I requested " copies of documentary evidence of the obligor 's indebtedness. '' They refused to provide the documentation.