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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX ran my credit without my permission and is ruining my credit on XXXX. Sync and XXXX XXXX XXXX ran my credit without my permission and is ruining my XXXX credit score. Please remove immediately
Product: Student loan

MOHELA loan servicers are giving inaccurate information regarding interest rates on loans. Currently the website states loans are accruing 0.0 % but loans are still capitalizing interest. This disinformation is of shady business practices to give me the impression that no interest is being capitalized while the loan servicer is profiting off interest at the same time.
Product: Money transfer, virtual currency, or money service

I am writing this complaint towards Paypal which permanently limited my account and being accused of selling of unapproved file sharing services. Resulting to my account has been permanently limited and won't be able to conduct any further business with Paypal. Bank XXXX linked can not be removed and my account balance will be on hold for 180 days. 

I was able to comply with the action that they would like me to do including sending tracking information which is inappropriate for virtual goods/services for my business. 

I would like to seek help on this matter as these funds and account is very beneficial for me and my business. Hoping to get the best help from you. Thank you very much!
Product: Credit reporting or other personal consumer reports

You are reporting Inaccurate information in consumer reports concerning me that you have compiled and published to third parties. The following tradeline items are inaccurate. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX The inaccurate that you are reporting concerning me is harming me personally, emotionally, and financially, and causing me damage. 

I request that you promptly DELETE the above-listed account and send me an updated copy of my credit report within 30 days of your request that you fully comply with the law in my request.
Product: Debt collection

This account was paid by the insurance protection I had purchased due to layoff from XXXX XXXX. The amount is incorrect, the date opened is incorrect, everything is incorrect on the credit report. It still shows that I owe this debt. I have been back and forth for XXXX years with the company and the collections.
Product: Checking or savings account

I opened a " any deposit checking account " online and submitted the proper documentation and got approved. Used my checking account for about 30 days then the bank suddenly out of nowhere closes my account asking me to go into the branch. Once I'm in the branch, the employees tell me to go home and they will give me a call. Well they never did. So i make another appearance and get helped by a XXXX manager who explains that the bank suspected me of being a fraud, but me being in branch with a valid government ID would get them to re open my account and get access back which it did. Same week the account gets closed again. I visit the branch and they turn me away with another promise to have a manager call me. This time I just opened another account online because my app suggests it.. same thing, submitted my documents and got approved. and so i procedded to used that one instead waiting for a call from that branch that never came. 
. Same thing happened again. Random online access blockage and a blocked debit card. I go to the bank ready to not go home and wait like they have suggested before but demand answers and service. I was lucky enough to be greeted by a manager who proceeds to tell me my debit card was reported hot and the account was closed and its a final decision. When I told her that doesn't make any sense to me and I have no idea why this was happening she just looked at me like I was a crinimal. It's my account and my money!! Why do they treat me like garbage and at that not tell me why. Her assistance to my horrible news was " you will receive a correspondence from them through the mail '' the manager didn't even offer me to withdraw my available funds .and when I asked her for my money her reply was " I don't have a cash drawer, you can try with one of the tellers '' at this point I'm just shocked and embarrassed so I just left. I'll be returning tomorrow morning to withdraw my funds. I don't know what will happen if they don't let me. Why couldn't the manager give me any real service? The bank itself is horrible and known to be involved with scandals.
Product: Vehicle loan or lease

A while back in XX/XX/2017, I purchased an auto lease turn in of a 3 year old XXXX XXXX XXXX XXXX The car had XXXX miles on it and valued at approximatel {$13.00}. I put a down payment of approx {$2600.00} on the car ... ... .I agreed to monthly payments but I didn't agree to make illegal State of California interest payments over the statutory rate of 12 percent or whatever the legal amount is. 
As far as I am concerned I am paying illegal interest payments of almost 30 percent. This is usury. When the car is paid off in 7 entire years I will have paid them double the money for that car approximately {$26.00} This is illegal. The State allows them to do legal business and charge interest of 12 percent. Why am I being charged double when I did not agree to be involved in no illegal rang-lings..
Product: Checking or savings account

on XX/XX/XXXX, we closed the CD account with Citibank over the phone through customer service. The check is in the amount of {$52000.00}. We have not received the check yet. We have called numerous time and even visited the branch, but we have not received any information or check yet.
Product: Credit reporting or other personal consumer reports

I noticed Resurgent receivables reporting on my credit report on XX/XX/year>. After noticing this account is a result of identity theft, I filed a dispute with transunion, XXXX and XXXX, including my identity theft report. Ive allowed these companies over 4 business days to investigate this but I have yet to receive a response. I included my identity theft report with this complaint. 15 US code 1681c-2 states that a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from identity theft, not later than 4 business days after the date of receipt. According to the FCRA, if a credit reporting agency fails to remove an identity theft account after I have disputed it, they may be violating the Fair Credit Reporting Act ( FCRA ). The FCRA is a federal law that regulates how consumer reporting agencies handle your credit information, including investigating disputes and correcting errors. Please resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

1 ) I have lived at the same address since I was XXXX years old ... over 55 years ... and have never used any other address. The address listed on my credit report of XXXX XXXX XXXX XXXX, reported on XX/XX/XXXX, is totally fraudulent as no such address exists and I request that it be removed immediately. In fact, the U.S. Postal Service stopped using Rural Route addresses many years ago due to XX/XX/XXXX vehicles not being able to find the addresses. Therefore there are no longer any such addresses. 

2 ) The only employment I ever had was with the XXXX XXXX XXXX, where I retired as a XXXX, XXXX XXXX. 

3 ) The entry from XXXX XXXX XXXX was closed in good standing, in XX/XX/XXXX, almost 13 years ago, and it should have permanently been removed in XX/XX/XXXX. It WAS removed but is now back on my report. I am requesting that this entry be permanently removed immediately. 

I contacted Equifax by letter to dispute these entries on XX/XX/XXXX and my letter of dispute has been totally ignored.
Product: Credit reporting or other personal consumer reports

On XX/XX/23 I wrote Equifax a dispute letter in order to have a payment history on several accounts verified. The accounts are XXXX XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX, Account Number : XXXX, and XXXX XXXX XXXX Account Number : XXXX. Please refer to the attached supporting documents for more information as to why I am disputing them. I never received an answer from them. I gave them enough time to complete an investigation and respond, but I never heard anything. Not even a letter or notification that stated my dispute was received. So on XX/XX/23 I wrote them again to once again look into the late payments they are inaccurately reporting on my credit report. Well it is now XX/XX/23, and I have not received any type of response from them. It's clear to me the payments are wrong and unverifiable.
Product: Debt collection

I got in a wreck a year ago, I got a bill from the XXXX XXXX XXXX in XXXX XXXX For {$530.00} XX/XX/XXXX I paid this bill after constantly going through hoops from the hospital and their billing service. I paid the bill on XX/XX/XXXX for the amount of {$530.00}. 
I thought that would be the end of it, I then got a letter from XXXX XXXX XXXX  saying it has gone to collections and I still owe the full amount. I then called them for the first time on XX/XX/XXXX. And left a message explaining everything and my personal number so they could call me back. I never received a phone call so I called them for the second time on XX/XX/XXXX, explaining again and finally talking to someone she said she'd get in touch with the client ( the hospital ) to see why they sent it to collections. I never got a phone call from them about a follow up so I called again XX/XX/XXXX. They told me the client has no record of payment and I still owe the full amount. I have a statement from my bank saying I paid the full amount to XXXX XXXX XXXX XXXX.
Product: Student loan

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Edfinancial Services, a financial company that handles my student loan payments. My complaint pertains to severe payment processing issues that I have been experiencing over the past month, which have caused significant financial and emotional distress. 

Below, I have outlined the details of my grievance : On XX/XX/2023, I initiated a payment of {$3500.00} towards my student loan account with Edfinancial. 

On XX/XX/2023, I made an identical payment of {$3500.00}, believing that the first payment might not have gone through. 

On XX/XX/2023, I made a third payment of {$3900.00}, with the intention of ensuring that my payments were up to date. 

On XX/XX/2023, I attempted to make yet another payment of {$4200.00}, hoping that this would resolve the situation. 

Despite making these payments, I have received no confirmation or acknowledgment from XXXX beyond a receipt email that my payments were received and applied to my account. This lack of communication and transparency is deeply concerning. 

Moreover, when I attempted to contact Edfinancial to inquire about the status of my payments and seek a resolution, I faced extreme difficulty in reaching their customer service representatives. On the rare occasions when my calls did go through, I was met with unprofessionalism, as I was hung up on without any attempt to address my concerns. 

As a responsible borrower, I also contacted my bank to verify whether these payments were processed successfully or if they were flagged as fraudulent. My bank confirmed that none of the payments I made to Edfinancial have been processed or withdrawn from my account. This further indicates that Edfinancial has not fulfilled its obligation to process my payments appropriately. 

While Edfinancial fails to process my payments, my student loan account continues to accrue interest on the principal loan amount. This situation has placed me in a precarious financial position and is causing undue stress and anxiety. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against Edfinancial Services for their failure to process my payments and provide adequate customer service. I also request that Edfinancial be held accountable for any financial losses or damages I may incur due to their actions. 

I am more than willing to provide any additional information or documentation that may be necessary for your investigation. 

I sincerely hope that the Consumer Financial Protection Bureau will address this matter promptly and ensure that Edfinancial Services adheres to the necessary standards of conduct and customer service. 

Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX XXXX XXXX On XX/XX/2018 I noticed in the morning an overdraft was going over the weekend so I deposited more then needed to cover the check and as I deposited money it deducted the money from my deposit so I felt all was good. The next 2 days on XX/XX/2018 my fee was added I made the deposit prior to XX/XX/2018 but the bank doesn't credit it the same day even though they told me it was.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX XXXXXXXX account number XXXX XXXX XXXX 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Debt collection

There is a company called Central Financial Control who is refusing to delete a series of collection accounts from my report. I do n't know who this company is, what services they offer or why they want money from me.     I 've never had any business dealings with them in the past and they have never provided me with any supporting documents to back up the debts they are claiming I owe them.     There are currently  XXXX  past due accounts being reported to my credit by them! These are the account numbers and balances that I could pull out from a recent credit report : Account # : "  XXXX  '' and {$14000.00} balance ; Account # : "  XXXX  '' and {$4700.00} balance ; Account # : "  XXXX  '' and {$2200.00} balance ; Account # : "  XXXX  '' and {$740.00} balance ; Account # : "  XXXX  '' and {$740.00} balance ; Account # : "  XXXX  '' and {$690.00} balance ; Account # : "  XXXX  '' and {$690.00} balance ; Account # : "  XXXX  '' and {$690.00} balance ; Account # : "  XXXX  '' and {$690.00} balance ; Account # : "  XXXX  '' and {$73.00} balance ; Account # : "  XXXX  '' and {$73.00} balance ; Account # : "  XXXX  '' and {$73.00} balance ; Account # : "  XXXX  '' and {$50.00} balance ; The only information I can find for them online are bad reviews and scam stories by other consumers who have been taken advantage of.
Product: Student loan

I paid off my student loans in XX/XX/year> and Moehla keeps contacting me for payment. ( See paid in full letter attached. ) I have been calling and writing in for 2 years trying to rectify this and they hang up and do not respond. I am scheduled to make payments next month on a loan that is already paid off.
Product: Mortgage

XXXX XXXX XXXX mortgage company select portfolio servinging. Acct # XXXX On XX/XX/XXXX we appointed a new insurance agent for our home insurance policy. The agent informed us that we were not given the correct policy for our home from the prior agent. We were under covered by the company. We decided to go with the new account, As you probably know in XXXX Florida you must get a re inspection of the policy in order to update the policy. We went ahead and renewed our policy. Select portfolio is now stating that we must pay an {$300.00} for lapse of insurance. We never had a lapse it takes the new company to send inspection and must go through underwriting to create the new policy. During this course they was no damages to the property and we have all the forwarding information and conversions with the new agent. I feel its completely unfair for this company to now want to send me delinquent letter bill stating we owe them XXXX when the house is insured. We do not have an escrow account with our mortgage company. Once again I fell its a tactic for them to continue to charge bogus amounts to there client. We have had continuous problems with them and they continue to hassle home owners. we tried resolving the issue with them over the phone and to no help. Now we received a certified letter about this XXXX bill. 

Please if there is anyway we can help us to resolve this matter. 

our insurance policy is through citizen
Product: Debt collection

I wrote a letter to Experian to requesting a removal of items being reported at not 100 % accurate. 

I didn't receive a response within the 30 day timeframe. I checked my credit report online and saw that they are verifying the items. I called today XX/XX/2023 and the agent said she couldn't do anything. 

I believe under the FRCA, I am protected and Experian is in violaton of my rights as a consumer. 

15 U.S. Code 1681e ( b ) - Compliance procedures ( b ) Accuracy of report
Product: Credit card

XX/XX/year> the company asked my to pay {$20.00} in order to hold by account that was supposed to be charged on XX/XX/XXXX. Said they will hold my account until XX/XX/XXXX. I paid the {$20.00}. I called to pay the settlement offer of {$210.00} on XX/XX/XXXX and they said my account was charged off and I would need to pay the full amount. They were supposed to hold my account from being charged off as agreed.
Product: Debt collection

In XXXX I filed a complaint with you about 2 charges that showed up in my credit report from the Collection Bureau of Fort Walton Beach. One is for XXXX XXXX XXXX ( I have n't used this place in at keast 10 years ) and the other is XXXX XXXX XXXX ( I do n't even know who this is ). I believe you assigned one of the accounts XXXX, but I ca n't get back to the page at this moment to get the other number. In their response they said they would send me something verifying and proving that these charges are valid and are indeed mine, but as of this date, XXXX XXXX, XXXX, I have not received anything from the Collection Bureau of Fort Walton Beach. I provided feedback to the extent that I was hopeful they would send me the requested info as they said they would, but I should n't have sent feedback so soon. If they ca n't provide me with the verification, these charges need to be removed from all of my credit reports. I am not going to pay a charge that ca n't be proved to be mine.
Product: Mortgage

Home Point Financial ( https : //my.hpfc.com/ ) notified me today ( XX/XX/2022 ) that the servicing for my mortgage loan was been transfered to XXXX XXXX, as of XX/XX/2022. This is less than 15 days from today, which violates Federal law requiring notification at least 15 days prior to any transfer.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, and as a result, several fraudulent accounts and inquiries have been added to my credit file without my authorization. Under the provisions of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that these items be blocked and deleted from my credit report as they were not opened or authorized by me. 
Fraudulent 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax lowered my score due to old Mortgage & Vehicle accounts that were paid off & closed years ago have now fallen off due to reporting dates. I have concerns about the methodology they use to determine credit scores. Also, I am beginning to think there is a bit of discrimination with XXXX or something is not right. If a person refuses to take on excess debt for the purpose of these credit bureaus reporting higher scores why are they being held as not creditworthy? The entire credit score reporting industry is a scam fiasco.
Product: Money transfer, virtual currency, or money service

I am writing to formally to express my concerns regarding Zelle 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 adequately. They informed 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. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.