23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I disputed an account which had reached the retention time and it was deleted. However, after a while I suddenly saw they placed it back and not only that they even changed the delinquency date to very current.
Product: Credit card or prepaid card

Hello. Thank you for your assistance with this matter. 

I signed up for the Venmo Credit card, which offers an introduction promo of double rewards for the first year. Over that it should go back to its regular reward program which is : 3 % cash back on the top spending category, 2 % on the second category, and 1 % on all other purchases ( so for the 1st year 6 %, 4 %, 2 % cash back respectively ). Venmo/ synchronycredit has not been upholding the contract with the rewards. Not only have I not been getting the promised double rewards, but I'm not even getting there regular rewards. I have spend {$300.00} with them thus far and only gotten back {$34.00}, or 1.1 % back.

They do not show customers how the rewards are calculated, instead they assure that all rewards will be calculated by them to make things easier on the customer. Unfortunately, they calculate the rewards incorrectly. By not showing the data they are intentionally make it very difficult for the customer to check their rewards, as well as obscure their shady and illegal business practices. 

I have called, emailed and messaged them about this issue repeatedly, they have verified that I should be receiving the 6 %, 4 %, 2 % rewards but I am not. They have said that they will fix the issue and send me my rewards balance, but have taken no action. 

I never received a physical copy of our card agreement, so I have asked for them to send me physical or emailed copy of our contract; to which they said that that was impossible. Pretty sure they are in violation of some laws by refusing to send my contract.
Product: Credit reporting or other personal consumer reports

Ive became aware of this issue a few day ago while getting my credit run for a house they told I have a collection for comenity bank/ the bureaus The was resolve a year ago it came back I have be a victim of thef Ive call the local police in contact ftc in the company a few time I wish this be removed from my report
Product: Credit reporting or other personal consumer reports

My credit report shows my name incorrectly. I will like to get the XXXX of XXXX XXXX. My correct name is XXXX XXXX XXXX. Also there is a telephone number that doesn't belong to me. ( XXXX ) XXXX. My correct number is ( XXXX ) XXXX. My previous address shows as XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX FL XXXX. Please remove this address since I have never lived here before. My correct address is XXXX XXXX XXXX XXXX XXXXXXXX, XXXX FL XXXX
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. Despite 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 was impossible 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. 
I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. The CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. 
~ Comments O itovorks. I consent to publishing this description after the Comment. has taken these steps.
Product: Credit reporting

I have disputed the charged off status of XXXX accounts that Experian shows as being charged off in the current month. I have sent in requests for investigation as well as provided them proof that in no conceivable way could the status of these XXXX accounts be charged off in the current months. 

Experian has consistently failed to investigate properly and each subsequent time has come back and updated the reporting to report the current month in which I disputed it as being the month the accounts are charged off. 

There is inaccurate payment history with these XXXX accounts that Experian fails to investigate or yield correct information. I have provided them proof on XXXX separate occasions that have yielded incorrect reporting again and again. 

Attached is a copy of the XXXX XXXX credit card account that display the inaccurate information. It is not possible for me to have a charged off payment status under these XXXX accounts since there is no balance due and the accounts have been paid and closed. Experian is knowingly reporting inaccurate information as I have previously provided them with evidence that these accounts are reporting inaccurately. 


The accounts are the following : XXXX XXXX which has inaccurate monthly reporting and other data issues. 
XXXX XXXX which also has inaccurate monthly reporting and other data issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

This item is inaccurate because the CARES ACT provided protection to consumers who were affected during the COVID-19 Pandemic. The late payment with XXXX XXXX ( Acct # XXXX ) shows on my credit report XXXX XXXX XXXX The CARES Act provided consumers with protection as many of us were on very hard times. We soon after received Forbearance on our Mortgage and didn't receive approval until several months later. I believe this adverse information has been incorrectly added on my credit report. Please reinvestigate this matter and remove the negative payment history from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding a recent dispute decision. I disagree While the decision stated that the dispute was resolved, I am concerned about the lack of transparency regarding the investigation. I am requesting a detailed description of method of verification. I'm seeking clarification on the steps taken, the sources consulted, and the criteria used to validate the accuracy of the information in question. Your prompt attention to this matter would be greatly appreciated.
Product: Credit reporting or other personal consumer reports

Notice to Agent is notice to principal notice to principal is notice to agent.

I have received a copy of my consumer reports and I notice you have furnished transactions on my consumer report that is excluded by law as per the FCRA 15 USC 1681a ( 2 ) a ( 1 ) ; ( 2 ) Exclusions. -- -Except as provided in paragraph ( 3 ), the term consumer report does not include -- - ( 1 ) Report containing information solely as to transactions or experiences between the consumer and the person making the report : Consumer transactions are excluded from the consumer reports. XXXX and or any other RISK score or algorithm that you use to calculate a consumer credit score is not a factor where the consumer report is concerned. Definition of what the consumer report means.

Consumer Report ( 1 ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing a consumers credit worthiness, credit standing, credit capacity, character general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes, ( B ) employment purposes ; or ( C ) any other purpose authorized under section1681 ( b ) of this title.
Product: Debt collection

I reviewed my XXXX credit file In XXXX XXXX and discovered that there were XXXX collection notices from Credit Service Company in XXXX, XXXX on behalf of XXXX XXXX XXXX at XXXX XXXX XXXX Hospital in XXXX, XXXX. I asked XXXX to investigate and they quickly verified that the bills belonged to me because the collection agency had a lot of my personal information. I had been hospitalized in XXXX XXXX at XXXX XXXX XXXX Hospital for at least a week. Medicare and XXXX XXXX XXXX XXXX XXXX paid the hospital bill in full and I assumed the associated bills from XXXX XXXX XXXX XXXX which is a separate billing entity were also paid in full. They usually have been paid in full. No one contacted me about unpaid balances From XXXX XXXX until now I have never received a telephone call nor correspondence from XXXX XXXX Hospital, XXXX, nor XXXX XXXX XXXX. Only XXXX XXXX XXXX XXXX uses XXXX XXXX XXXX as bill collector. I can not verify that the amounts ( approximately {$210.00} ) are vaild. There is specific no description of the services provided. The bills paid by XXXX and Medicare amounted to over {$5000.00}. I ca n't even find an accurate telephone number nor address for XXXX XXXX XXXX Services. I will not pay the collection bills until the amounts are described and verified. I have lived continually at my address in XXXX, XXXX and retained the same telephone number for approximately 29 years.
Product: Money transfer, virtual currency, or money service

Processed my monthly rent payment as always with an electronic funds transfer. Was notified by my property manager that the payment failed, which was odd because there was plenty of funds in the account, and I had heard nothing from my bank, so I assumed there had been a mistake. I retried the payment, and found out days later that the bank again failed to process the payment despite they're being adequate funds in my account. As a result I have been charged the following in addition to my regular rent payment : Late Fee for XX/XX/XXXXDue on XX/XX/ {$56.00} NSF Fee -1st NSF fee for Rejected ACH XX/XX/XXXXRent Due onXX/XX/XXXX {$25.00} 3 Day Notice Posted on XX/XX/ Due on XX/XX/ {$55.00} 2nd NSF fee for Rejected ACH XXXX Rent Due on XX/XX/ {$35.00} 3 Day Notice Posted on XX/XX/ Due on XX/XX/ {$55.00} Chase has the ability to contact me via call, text, mail, or email and they do so regularly all the time with each method. I was not imformed by chase that they had changed their policy and were no longer allowing my account to pay bills via ach/electronic check as I have been doing for years, and gave me no notice that they had not funded my rent payment. 

This violates SECTION 1005.7 ( a ) 5
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$650.00} XXXX XXXX Balance : {$520.00} XXXX XXXX Balance : {$4000.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$230.00} XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$260.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items 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 listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting 30day late payments on three of my accounts XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX. Pursuant to 15 U.S Code 6802 States that a financial institution may not directly or through any affiliate disclose to a nonaffiliated third party any personal information. Experian is the third party and is in direct violation of this code. This type of reporting is also violating my right to privacy. Privacy Act 1974, Experian never disclosed to me that I could opt out but assumed I opt in to this negative reporting, THAT IS INFACT IDENTITY THEFT.
Product: Debt collection

After a battle in which chase continues to refuse to accommodate my XXXX, I was able to get on a payment plan. Now chase has not abided by the terms of this plan, in which I am to pay XXXX $ per month until the account is paid off. They have increased this amount without my knowledge and continue to report my account as past due against my credit report. This goes directly against what the customer service rep told me, which was that this plan would bring my account current and they would stop reporting my account as past due! They are still requiring me to make phone calls which I am physically and financially unable to do, this discrimination must stop! I have over 14 unanswered requests for a XXXX accommodation and counting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit reports in XX/XX/XXXX from Transunion, XXXX, and XXXX am disputing some items that need to be deleted. There are inaccurate accounts and information listed on reports that I did not authorize anyone to open neither these companies to report on my history. I am assuming my information is at high risk of identity theft and fraud which is prohibiting me from acquiring a new home. 

XXXX XXXX XXXX received letter on XX/XX/XXXX, XXXX XX/XX/XXXX, and Transunion XX/XX/XXXX. Its been well over 30 days with no response from any companies. According to the provisions of the Fair Credit Reporting Act these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. In your investigation results please provide the names, addresses and telephone numbers of individuals you contacted during your investigation. 

Please see attached USPS Certified Mail Receipts of Dispute Letters sent to credit bureaus agencies.
Product: Mortgage

I have been making my mortgage payments to Select Portfolio Servicing ( SPS ) on time, and often, ahead of time. My job requires me to travel to different locations for an extended period of time. I will pay the SPS mortgage payments ahead of time. It is not my intent to pay down the principal ahead of the amortization schedule. 
For example, I pay the Month 1, Month 2 and Month 3 payments in the same envelope with three different check. Each check is clearly marked with the month and year that it is to be applied. One will have Month 1, Month 2 and Month 3 dates on each check. SPS will receive the checks and process the Month 1 payment and then apply Month 2 and Month 3 to principal. SPS does this even though the checks and mortgage payment stub are clearly marked! 

I will have to call several times for SPS to correct each error. The payment stub is clearly marked that the payments are for three separate months. In some cases, it is for two months. This is not an isolated incident. This is their standard practice. I called multiple times and the customer service person assured me that they will mark my account to reflect the problem and it wo n't happen again. It happens again and again. 

One alternative is to do ACH debit. I do not trust SPS with an authorization to debit my personal bank. I have no idea how they will use the information. With so many problems with billing, they may take more than required due to an " innocent administrative error ''. 

I am requesting the CFPB intercede here and audit the payment application practices of SPS. I can log on while on the XXXX and see the status of my account. Then I have to call in and complain. I will wait a few weeks and they will fix it. Please see the attached letter from SPS that details the dates this happened. They code it as " Principal Only Payment/Curtail payment ''. The dates are : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX XXXX. 
I pay attention to my statement and also have an XXXX degree in XXXX. I can spot this error. How many innocent people have had to pay late fees because of " administrative errors ''?
Product: Debt collection

Conn 's calls my phone and my wife 's phone more than 8 times every day. On many occasions, I have made verbal arrangements with them to automatically debit my checking account on the first of the month for the bill that is due, however, they start calling me on the XXXX of every month and call every single day numerous times. They also call my wife 's phone number even though she is not listed on the credit application. They call from several different telephone numbers and will discuss the debt with anyone who picks up the phone. They have talked to my wife, my step-children, my mother-in-law, and even once with a co-worker. I have repeatedly told them that such calls are considered harassment, and that they were not to call me any more, as I have already arranged payments with them. I also informed them of my work hours, which they have ignored and it had caused me problems at work.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX and 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. Also states a consumer reporting agency can not furnish an account without my written instructions
Product: Checking or savings account

Citizens bank Account Number : XXXX savings account A {$300.00} bonus was expected. 

Due to misleading language the bonus was not paid even after depositing a total of {$15000.00} into the savings account. 

I have tried to work with the bank but they would not pay the bonus.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against TransUnion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submission, transUnion consistently response within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. The practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C statue 1681i, which mandates reasonable investigation of disputes. Furthermore, TransUnions action may also Contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. Statue 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in a CFPD recent administrative proceeding File No. XXXX ) against them for similar violations. I requested the CFPD take action to ensure Transunion complies with federal law and provide consumers whats the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to resolve this matter regarding an alleged debt with   XXXX   XXXX   and the credit bureaus. However I have been assisted in no way by any of the mentioned parties. I have never had a  XXXX  account. I contacted the company and ask them to provide me with a contract that would show I agreed to any sort of terms and conditions and they failed to do so. They provided me a partial bill that had some sort of return deposit, early termination fees, and usage charges for a number that does not belong to me. What they failed to provide me with is a contract or any documentation that I signed. After receiving no resolution with  XXXX  I then contacted the credit bureaus my credit report was updated as account meets FCRA requirements but no documentation was provided to me on how they validated this account. After the  2nd att empt my report has been updated to say reinvestigation accounts meets FCRA requirements consumer disagrees.
Product: Checking or savings account

I went into the local branch on XX/XX/2022 to deposit a check. I specifically asked if a hold would be placed on the check and if so how long? The teller asked me to hold on a minute, she checked and said the hold would be lifted on XX/XX/2022. The teller gave me receipts with a hold date of " XX/XX/2022 '' and verbally told me the hold would be lifted on XX/XX/2022. I told her to go ahead and deposit the check. Last night I received an email from Bank of America telling me the hold would be extended to XX/XX/2022, The email stated and I quote " A hold was placed on your check ( s ) because check specific information indicates item may be returned ''. My reason for going into the bank and asking the teller about the hold time is because I know several people who have deposited checks and they are told one date by BOA and then find out later it is extended for several days. No need to call customer service, most of them are no help and can not explain why I was told one thing and the bank did another.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX Balance Owed : {$6600.00}
Product: Mortgage

In accordance with the fair credit reporting act Caliber Home Loans Account # XXXX 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 a account without my written instructions.

15 USC 1681a Definitions ; rules of construction- Exclusions- except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 UCS 1666B : A creditor may not treat a payment on credit card account under an open end consumer credit plan as late for purpose.
Product: Money transfer, virtual currency, or money service

On my Chase account I sent XXXX transactiin in the amount of XXXX XXXX.As they state max daily limit for transactions is {$2000.00}, they managed to charge my accoint twice for {$1900.00} totaling {$3800.00} which is over {$2000.00} daily limit anyways. 
The both transactions are showing pending and I called them to cancel one.They gave me a bunch of workarounds and rpocedures and finally filed a claim that 'will take them 10 business days ' to review. 
I demand my money back and their XXXX procedudes investigated. 
Claim # XXXX