23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

on XX/XX/XXXX I called Equifax to dispute addresses that did not belong to me they deleted the address but not the inquires attached to them none of the inquiries resulted in accounts from nor where they ever done by me the following inquiries need to be deleted there are no accounts ever done by me or showing on my credit report the following things need immediate deletion per section 623 of the FCRA as well as section 609 of the FCRA as well as section 611 FCRA please send me requested proof that these belong to me I never requested anything from these companies these where done at addresses that where deleted off my credit file thank you I need XXXX deletions done asap XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. 

EQUIFAX MORTGAGE SOL EQUIFAX MORTGAGE SOL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing today to formally complain about how Zelle handles disputes, especially since XXXX has made known some of the issues. Even though I have used Zelle on multiple occasions and reporting discrepancies, I feel as though my bank and Zelle did not investigate properly. I was always told that the funds were not able to be tracked and recovered. With what XXXX has found and reported, it shows Zelle has neglected keeping its customers safe and has allowed repeat offenders to exploit customers multiple times with out consequences. This lack of responsibility is unacceptable and raises serious concern about consumer safety.
Product: Debt collection

They reported an incorrect amount on my credit report as well as doubled the charge on my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Clarity COMPLIANCE DEPT RE : NOTICE - Gramm Leach Bliley Act NON-COMPLIANCE REPORTING THIS IS NOT a request for verification or validation of debt. This is a NOTICE & DEMAND to Clarity that the listed institutions ATTACHED have not conformed and are currently reporting in non-compliance with the following Gramm Leach Bliley Act statutes Reference number XXXX Record type Bankruptcy XXXX XXXX-petition filed Court US BKPT CT CA L A Reference number XXXX Record type Bankruptcy XXXX XXXXXXXXdismissed Court US BKPT CT XXXX XXXX XXXX  Sec. XXXX - Obligations with respect to disclosures of personal information ( a ) ( b ) ( c ) ( d ) Sec. 6803 - Disclosure of institution privacy policy ( a ) ( b ) For the record, I, XXXX XXXX HAVE NEVER received an INITIAL OR ANNUAL PRIVACY POLICY NOTICE from any of the ATTACHED reporting institutions as required by the GLBA statute ( s ) above, nor have I been given a chance to opt-out from my personal information from being shared w/ 3rd parties. Why does clarity allow these non-compliant institutions to report on my credit profile and put my privacy at risk? Until compliance with Sec. 6802-6803 of the GLBA can be substantiated, I DEMAND that clarity PERMANENTLY DELETE the following non-compliant ATTACHED account ( s ) within 3 days and forward to me a FULL updated credit report with these deletions to the address above By publishing these non-compliant account ( s ) on my credit profile and distributing them to 3rd parties you are INTENTIONALLY DAMAGING my reputation and credit worthiness. For the record, I will also file this complaint with my state Attorney Generals office and the Consumer Financial Protection Bureau ( CFPB ). CLARITY is in violation of the GLBA GLBA non-compliance penalties can be quite serious for financial institutions. They include both monetary fines as well as imprisonment. The GLBA non-compliance penalties include : A fine of up to {$100000.00} for each violation A fine of up to {$10000.00} for officers and directors of the financial institution In case of a serious violation, individuals may be imprisoned for up to 5 years Revocation of licenses
Product: Credit card or prepaid card

I called a hospital on XX/XX/2023 to pay my up front portion of {$3200.00} for a procedure. I tried my Care Credit ( Synchrony Bank ) card, to see if I was eligible for any payment plans. Found out I was not, so the hospital voided the transaction. I paid the {$3200.00} with another credit card on XX/XX/XXXX. I received an email update on my Care Credit ( Synchrony Bank ) card that indicated I had a balance of {$3200.00}. The hospital has no recorded of the {$3200.00} from XX/XX/2023 on my account, only the transaction from XX/XX/2023. I have tried a couple of times to dispute the charge of {$3200.00} on my Care Credit ( Synchrony Bank ) card, including providing all records from my hospital account, showing there is no charge on XX/XX/2023. So far Care Credit ( Synchrony Bank ) card has not credited my account for the amount of {$3200.00}. I have tried several times to get updates via Synchrony Bank 's online customer service portal, but I can not get any information. I have tried several times to call their customer service number, but am told the disputes group does not take phone calls. So, I can not get a proper update on the status of my dispute.
Product: Debt collection

We opened a Care Credit account when I had some major dental work done about 18 months ago. We have been making the payments every month - three weeks early. We get the statement online on the XXXX of the month and the payment is made by the XXXX and due on the XXXX. We do not receive paper statements nor have I ever received an actual card. When the online statement comes up on the screen, there are only XXXX options - pay minimum amount or pay amount in full. The minimum payment is filled in for us and there is no option to type another amount. At this point I was fairly certain most had been paid off. On the contrary - I am OVER my credit limit. I found this out today when I inquired about tacking on some extra onto the " card '' because my daughter needs her wisdom teeth taken out. After an hour of going round and round with them with their canned statements and them helping us navigate to a part of the site they said we should have been looking or just found on our own to see a myriad of bogus late charges that make no sense, we discontinued our conversation. So the only option with them is pay the minimum which automatically comes with late fees that increase your balance OR pay in full. They confirmed with us that that is their practice. So I guess the {$220.00} XXXX they had to pay out for Deceptive Marketing and the XXXX XXXX they paid in Care Credit Refunds just 18 months ago when they were " formerly known as GE Capital '' did not teach them a lesson. And the building similar complaints and even complaints now as Synchrony Bank are not deterring them from monster deception.
Product: Mortgage

My concern is that I was scammed and taken advantage of during the process of this mortgage loan, my concern is that XXXX XXXX the real estate agent friend XXXX XXXX the loan originator at Academy Mortgage. My concern is that XXXX was dealing with unethical people to get this home that was very toxic to me and my family and the home has/had severe black mold in the home. The FHA loan should not have been funded because the house had severe safety and health issues that the financial lender should have complete a full home inspection to make sure that the home met the safety and health concerns of an FHA loan. The assessment of the home was not properly evaluated and overly assessed at XXXX. The family and I had to move out because of the severity of the health and safety issues this home caused. The home inspection was not completed by XXXX or her financial institution.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX- Based on these alleged facts, the Complaint asserted a single cause of action for violation of California 's Automobile Sales Finance Act. The Complaint also alleged that XXXX XXXX XXXX was liable for XXXX XXXX 's conduct because it was the assignee of the XXXX XXXX Several XXXX XXXX companies violated consumer protection ... would be waived or forgiven if they accepted certain settlement offers XXXX  : n XXXX of 2017, XXXX  announced a data breach that exposed the personal information of XXXX XXXX people. The company has ... 

other Major violations : The Fair Credit Reporting Act, 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies XXXX XXXX XXXX XXXX XXXX inquires : the dealership violated institution or insured credit union under the Federal Deposit Insurance Act [ 12 U.S.C. 1811 et seq. ] ... information from the consumer report will not be used in violation of any applicable Federal or ...

XXXX XXXX XXXX XXXX XXXX is fair debt violation XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ftc violations XXXX XXXX wife was affected also same above ss last 4 is XXXX
Product: Debt collection

A CREDIT REPORT WAS PULLED IN XXXX AND XXXX DIDN'T APPEAR ON TRANSUNION. ANOTHER REPORT WAS PULLED IN XXXX AND XXXX APPEARED ON TRANSUNION. XXXX NEVER SENT AN NOTICES. PER MY INVESTIGATION, TRANSUNION IS REPORTING MY NAME SEVERAL DIFFERENT WAYS WHICH INDICATE THAT THERE IS FRAUD GOING ON WITH MY NAME, DOB AND SOCIAL. THIS ACCOUNT REPORTED TO TRANSUNION FROM XXXX DOES NOT BELONG TO ME.
Product: Credit card

To anyone reading this, based on my recent experience with Citi, I strongly advise against this bank unless you are fine with a bank with 0 customer service. I was approved for a Citi credit card on XXXX XXXX, in the notice it was mentioned that the card will be sent to me in 7-10 working days. I reached out to Citi on XX/XX/XXXX, mentioning that my card was not received, and I have 2 requests : 1 ) to expedite the process of reissuing my card 2 ) to provide me with a temporary card so that I can start making purchases using the card. The staff decided to pass me to the fraud department, the fraud department tried sending a text code for verification but the system failed, the staff said they would call me back but I never received a call. I tried calling hotline again multiple times the same day and finally got hold of someone ( XXXX ) who told me they are unable to do anything because it hasn't been 10 business days and told me to wait till tomorrow. On XX/XX/XXXX, I did not receive the card and called the hotline again, in my first call, I was passed to the wrong department and was told to wait on the call for 30 mins to have someone from the correct department to call me. I tried calling again, finally got hold of someone, and was passed around 2 times ( XXXX, then XXXX ) and finally got to someone ( XXXX ) who was supposed to be able to help me, but apparently had the wrong story of what I explained to the first two individuals. The attempt to do the text code verification failed twice. I was almost forced to report stolen card by the staff over the phone and when I made my request ( the 2 items above ), she told me that I need to be charged {$60.00} for expedited delivery. I am in shock and dismay of the service I have received from this large bank which I think definitely does not deserve its customers. In total, I have spent more than 2.5 hours in calls speaking with more than 6 different staff from various teams and voice responses and left without a proper resolution. I sincerely hope that the CFPB can assist and support me in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Equifax is not allowing me to get access to my mortgage credit scores. I recently made an application to get a first time buyer 's home mortgage loan. When I received my scores from the lender I was not aware of the scores they sent me, a copy of the scores XXXX and Equifax provided them. These score are XXXX 's XXXX XXXX XXXX and Equifax 's XXXX XXXX XXXX model scores. I was able to get a copy of XXXX  's XXXX, XXXX XXXX XXXX score from a membership subscription they provide to me. My mortgage score from XXXX  and Equifax seems to be impossible to obtain. I need access to these mortgage scores from these two credit bureaus to know what they are before applying for a home loan. They are using different models with XXXX XXXX XXXX XXXX XXXX  XXXX ) which is easy to obtain, but this is not the scores used to get a mortgage loan. I recent had an issue with XXXX  not updating and report accurate credit card information. I believe this caused me to be denied over one point ( XXXX  ) with XXXX 's XXXX XXXX XXXX due to not reporting accurate account information on my credit report. Yet, without me having access to the correct credit score model for a mortgage, I am in the dark of when and how this score is updated/calculated. I have a monthly membership subscription with Equifax with the XXXX XXXX  XXXX score of ( XXXX ), but they are not providing me with the XXXX XXXX XXXX score to know my mortgage score. The same issue with XXXX  's XXXX XXXX  XXXX of XXXX. This is very confusing because these two credit bureaus agencies are not being fair on the access to the mortgage scores that the mortgage lender pulled with the application I submitted on XXXX XXXX, 2020. If XXXX  can provide access to my mortgage credit model score, I should have the same fair option to obtain these hidden score from XXXX  XXXX XXXX XXXX XXXX XXXX and Equifax XXXX XXXX XXXX XXXX ).
Product: Credit card or prepaid card

i appliled for a credit card 6 weeks ago to start building up credit never got the card called my bank and they said they never sent out a accpiltion for me to sighn up for one they said it sounds like fraud it apread it was from my bank but it wasnt
Product: Credit card or prepaid card

Since the date of XX/XX/2020 I have not received my way2go debit card for unemployment and i have called sat on hold to the point my government minutes were tremendously deducted and I'm still disappointed not satisfied and I can't seem to get the point to why it's almost XX/XX/2020 and haven't received anything from my unemployment on a debit card please email XXXX or call to speak to me XXXX XXXX on this matter at XXXX
Product: Credit reporting or other personal consumer reports

I looked at my report XXXX 2024, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts XXXX XXXX XXXX, XXXX XXXX, are not complete and accurate. 
And one more thing according to 15 USC 1681s-2 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 I have attached to reflect inaccurate information
Product: Credit reporting, credit repair services, or other personal consumer reports

Im accordance with the fair credit reporting act AMERICOLLECT  {$100.00}, AMERICOLLECT {$150.00}, and XXXX XXXX XXXX {$1200.00}. Has 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.

15 U C S 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

Every time I will get a quote for insurance either I was ineligible or it was way to high. I would always ask what was the reason for this and I always get told that it could be because of my credit. I decided to pull my credit and I am extremely shocked on the outcome of the report. The things I have listed on this application are not mine. Could you please remove these items from my report. 

DEPTEDXXXX XXXX {$3600.00} XXXX XXXX XXXX {$750.00} XXXX XXXX XXXX {$17000.00} XXXX  XXXX XXXX XXXX {$950.00} XXXX XXXX {$660.00} XXXX  XXXX XXXX {$180.00} XXXX  XXXX XXXX {$180.00} XXXX   XXXX {$3500.00}
Product: Debt collection

Capital one charged off an account that had a fraudulent debt that was then charged with interest. I want the debt cleared out of my name. They have never requested the police reports attached to the issues. I can send all the police reports but I need the debt removed from my name and the account listed as closed with no balance. Thats the proper way to follow the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent two dispute letters to transunion along with my credit report with highlighted errors. They said the report was accurate and they didnt have to reinvestigate the matter. The credit report clearly shows differences across all three agencies so they all cant be correct.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX at XXXXXXXX XXXX I tried to withdraw {$1800.00} from my Robinhood spending account into my XXXX XXXX wallet because my mortgage was due. There was an unexpected error. That mightve been my fault for changing the names on the billing address They just restricted my account. Never tried to contact me to resolve the issue. I had to contact them on the XXXX of XXXX when they told me to take a selfie and upload my ID which I did for them to tell me wait till the XXXX They still never tried to reach out to me. I had to contact them again on the XXXX when they asked for my bank account statements, which I provided, they told me to wait till the XXXX again but I noticed the date changed from the XXXX to XXXX which is a weekend and I wouldnt be able to contact them on the weekends. I called on the XXXX to let them know how dire my situation was after I got off the phone with them they changed the date again to the XXXX sent me an email that my account was closed for no reason and Ill have to wait even longer to access my own money for my mortgage.
Product: Credit card

I applied for and received a business credit card from American Express for a professional limited liability partnership. I specified in the application and was advised that this credit card was not a personal card, but for the business only, for business use only. I disassociated from the business and the business continued with the other XXXX owners. XXXX of the other XXXX owners who continued to operate the business cut up the card in front of me and advised that it would not longer be used. Over a year later, American Express sought payment for overdue balances from me personally. I requested a verification of the debt amount owed, a copy of the credit application, and made multiple attempts to dispute any personal obligation of the alleged debt and suggested that the such transactions were unauthorized and any credit granted to me was non-transferrable, but all the representatives of American Express would do is demand payment in full without verification. Now, my credit score has been effected and this will cost me tens of thousands of dollars.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending letter to Equifax requesting the deletion of unauthorized inquiries. I have a fraud alert on my file that requires the merchant to contact me before performing a credit check. Equifax has violated my consumer protection right by allowing these unauthorized inquiries to be performed.
Product: Money transfer, virtual currency, or money service

I took out 3 wire transfers to withdraw XXXX total ( XXXX each ) on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX from Coinbase.com. Coinbase stated there could be a potential 2 to 3 day delay and was hoping to get the money sooner. 

It 's XX/XX/XXXX and my bank still has no records of ever receiving those funds. Coinbase should never have allowed wire transfers if their operations are so XXXX XXXX XXXX XXXX. 

To make matters worse Coinbase.com no longer offers any support related to wire transfers.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15U.S.C 1681. 


AccounXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 15 U.S.C . 1681 Section 602A states that I have the right to privacy.

15 U.S.C .1681 Section 2 604A states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. Section ( a ) ( 5 ) states : No consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information other than records of convictions for crimes that antedate the report by more than XXXX 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: Mortgage

Closed on a VA loan XX/XX/XXXX. Have had issues with the USPS delivering my mail, and today upon obtaining my mail, is a letter of cancelled coverage from the insurance provider from a home builder, who setup a policy and used an outside title company. Title company just never used the escrow to pay the premium, and my coverage cancelled XX/XX/XXXX. I discovered this on XX/XX/XXXX. 

XXXX : XXXX XXXX ( based in XXXX, CA ) Lender : XXXX  Title Company : XXXX XXXX XXXX ( in XXXX, CA ) My Address : XXXX XXXX XXXX XXXX, CA XXXX
Product: Money transfer, virtual currency, or money service

Im extremely frustrated with the issues Ive been experiencing with Zelle. Not only has the app been unreliable, but I recently noticed unauthorized transactions on my account that I never approved. This is completely unacceptable, as I trusted Zelle to be a secure and efficient way to transfer money. Despite reaching out to customer service, the response has been slow and unhelpful, leaving me worried about the safety of my finances. I expected better safeguards and accountability from a platform handling sensitive financial transactions. This experience has seriously made me reconsider using Zelle in the future.
Product: Credit card or prepaid card

Contacted Credit Card Collections Officer, Chase Bank, via mail, the first time, on XX/XX/XXXX, to make arrangements to settle the account in exchange for the original instrument of indebtedness in its original form. They received the letter according to return receipt, on XX/XX/XXXX, but no response. Sent a second request for removal of inaccurate information on XX/XX/XXXX. They received the letter according to return receipt, on XX/XX/XXXX, but no response.
Product: Debt collection

A collection agency called Diversified Adjustment Service , Inc. has been calling and leaving voicemails indicating that they are a collection agency. These are neither XXXX nor XXXX based voicemails. The 3rd party collection representative states outright that they are a debt collector. There is no pause to allow me to stop the voicemail, no mini-miranda and nothing to try to verify they are calling the correct consumer. I have been a debt collector for over a decade and I know that these multiple voicemails, of which I have saved two of, violate the FDCPA.