23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Never received notice of collection nor proof of debt/breakdown of fees. Disputed w credit bureaus but never received response for request of debt validation. Has caused extreme damage to credit report. I want proof of debt including all names of contact, dates, what was sent and to whom & also written contract that states this can be reported.

I consumer and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
1.Account Name : rent recovery solutions Account Number : XXXX 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 Delete this account immediately, unless you want to be held {$1000.00} per violation
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. 

I told XXXX, Transunion, and XXXX to reinvestigate these accounts and provide me with the method of verification, as well as whom they spoke to at each creditor. They sent correspondence back stating everything was verified and correct and no information on how information was verified. 
Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. I have enclosed copies of my report with the inaccurate information.

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, credit repair services, or other personal consumer reports

The credit reporting company continually and flagrantly is reporting inaccurate information regarding my total and completely discharged XXXX loans serviced by XXXX for the US Dept. of Education. 

It is erroneously reporting the status of the students loans are transferred - sold - or paid. When supporting documentation from XXXX and the US. Dept. of Education emphatically states the loans have been discharged with XXXX balance. 

The impact of this is detrimental to my personal financial overview, as anyone or algorithms can interpret the " transferred - sold '' comment indicates that I still have a balance just no longer with initial creditor or servicer.
Product: Credit reporting or other personal consumer reports

When applying for a XXXX XXXX  credit card in XX/XX/year> it was stated this is under XXXX and not my personal information, as I applied with a XXXX XXXX number. This XXXX inquiry on my Equifax credit report on XX/XX/year>, should not be on my personal credit report as stated by law. 

Also, a XXXX on all XXXX credit reports from XXXX XXXX dated XX/XX/XXXX is incorrect. I did not open a XXXX credit card with XXXX XXXX. Therefore, the XXXX XXXX XXXX dated XX/XX/year>, should be removed from my credit reporting.
Product: Mortgage

Dear Sir Or Madam : On or around XX/XX/2020 I XXXX XXXX with XXXX XXXX entered a contract for a sale of a real estate property located at XXXX XXXX XXXX XXXX FL XXXX. I contacted the lender Alterra Loans. XXXX XXXX XXXX NMLS XXXX was the loan officer/branch manager that was doing the financing on this deal. He told me this was a straight-up just FHA Loan and probably will close before the contract date. After a few weeks, he kept on saying everything is fine and he was waiting on clear to close. He decided to take some time off and apparently never assigned the loan to anyone else so this just set us back. We finally got the clear to close after extending the closing date another week. The title company described his work as a disaster nothing was balanced the buyer did not even know what amount he needed to take to closing. And The title company was the one to inform me this was a down payment assistant. I find this unprofessional, unethical, dishonest, I feel cheated and taken advantage off. Why not be forthcoming and stating the type of loan from the beginning? Even the realtor using his services told me she will never do another deal with this person or company. 

Respecfully, XXXX XXXX XXXX
Product: Credit card

Closed my Chase credit card back in XX/XX/year>, paid off remaining balance, and yet, the company allowed an unauthorized charge on the closed credit card months after it was closed. Now it is charging me for something that shouldn't be allowed in the first place. Using a closed account to pay for something I did not authorize is not only unethical but also criminal. When you close a bank account they don't allow any further charges, why would a credit card be different? I removed any authorization from Chase to accept any more charges the day I closed the account.
Product: Credit reporting or other personal consumer reports

WF CRD SVC  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Dear sir, I would like to ask your company, WF CRD SVC, to check whether you have provided the auto loan or home equity and mortgage. Since my family lives in the extremely old, rented apartment in XXXX XXXX near XXXX, I could not understand why I need to apply for the mortgage and other payment system. I request to investigate whether a person called, XXXX XXXX, applied to your service; therefore, whether your company asked the credit report to satisfy the financial need and assistance of this so-called XXXX XXXX from the credit report company of the United States , with which I have so much difficulty to receive the claim and dispute answers to satisfy me. Since I am a real XXXX XXXX, whose nationality is XXXX, I would like you to investigate whether there is any other XXXX XXXX, who resides at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX. If so, as far as I know, I clearly can prove that person is not XXXX XXXX with my passport and another necessary documents to prove that I am a XXXX XXXX of XXXX nationality. If your company lends some money to this impersonated XXXX XXXX, I would like you to act the necessary legal action to regain your financial loss. And I request you to work together with XXXX to remove your company from my credit report. Besides, I can clearly say I do not have any real estate in this country and other countries. 

Sincerely,
Product: Credit reporting or other personal consumer reports

XXXX Letters were mailed to Experian XXXX XXXX and XXXX regarding the inaccuracies of my personal informtion.
Product: Credit card or prepaid card

I have a MasterCard with Citi that I have held since XX/XX/2014. I have never had an issue paying the account, have not gone delinquent. I have used the card and paid as agreed for over 5 years. During XXXX, I was distracted caring for a sick family member and forgot to make the payment for early XXXX. When I logged in and saw that I was past due I immediately made the payment. They charged a late fee. Also, within the same week, they sent me a notification that my credit line was decreased. The reason the noted in the communication was that " they show I have high utilization of other credit accounts. '' I take offense to this tactic of taking adverse action on a long time customer who is in good standing. During a crisis where all institutions, including Citi, say they are here to help and this is how I am treated. My credit utilization has been the same for the recent 2-3 years and I am current on all of my credit accounts, mortgage and car loans. Nothing is past due. To impact my credit line, charge a late fee during a global pandemic is unacceptable. Also, on this account, I have not used it recently - which should be viewed as me being responsible and paying down this debt and other debts. My high utilization will be further impacted by Citi reducing my credit line, which in turn will show me at a higher credit utilization for this account and my overall credit profile in general. I think it is an unfair practice. I am requesting that Citi reverse this decision, restore my account, which is in good standing and paid current, never past due. I'd like the initial credit line to be restored and the late fee reversed.
Product: Payday loan, title loan, personal loan, or advance loan

I purchased a XXXX XXXXXXXX XXXX XXXX  with 0 % financing by Synchrony bank on XX/XX/XXXX. 

The first time I set up autopay for the amount due each month, Synchronys system deducted the ENTIRE AMOUNT on the first payment. I believe this is a user experience designed to encourage people to accidentally pay the full amount and avoid 0 % interest-rate loans. However, I reached out to Synchrony Bank and requested that they undo this action and allow me to pay the monthly amount as advertised. They wrote me a check for the amount, and I set up monthly payments with autopay After issuing the check described above, Synchrony Bank has placed the phone purchase balance under Regular Purchase and has been charging me a hefty interest rate without informing that they have done so. The account is listed as a Credit Card account, but I have never actually received any credit card from Synchrony Bank. 

I filed a complaint with Synchrony Bank in XX/XX/XXXX, and they acknowledged the mistake. However, they applied an incomplete remedy ( which can be seen in my XX/XX/XXXX statement ). They refunded only 12 months worth of incorrectly-applied interest. I had been paying this interest unknowingly for 2 years. They also did not move the balance from Regular Purchase to Phone Purchase which means they have continued to charge me interest for all of XXXX as well.
Product: Credit reporting or other personal consumer reports

Due to the absence of the REINVESTIGATION process from the credit bureaus end, I insist on a quick deletion of those derogatory items from my records. I kept reaching out to these companies for a couple of months this year XX/XX/2023, because of these numerous inconsistencies they have furnished on my credit report. 

XXXX. XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account XXXX XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX. XXXX XXXX XXXX Account XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I found inaccurate information in my EXPERIAN credit repot. I tried to fix the issues by sending them a letter through the mail ; however, I was not satisfied with the results. 
The accounts were not verified. Inaccurate information, such as payment status, payment history, date opened, and date of late payments are still being reported. My rights were violated according to 15 U.S.C. Section 602, I have the right to privacy, and 15 U.S.C Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have loan with DEPT OF EDUCATIONXXXX XXXX I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. The confusing part for me is it doesnt reflect anything except 90, 120 and 150 days past due. Ive never been behind on my payment. I tried contacting the 3 credit Bureaus and the DEPT OF EDUCATION/XXXX  but they have provide me with noting tangible, which reflects anything verifiable. There is definitely an error with their part. I was never late on this account. Investigate properly and please update for 100 % accuracy. DEPTEDXXXX  XXXX Date Opened : XX/XX/2016 Balance Owed : {$0.00}
Product: Credit card or prepaid card

Denied an AMAZON STORECARD by Synchrony Bank ( SB ). Reason dated XX/XX/2020 was Dear XXXX XXXX, We have received your request for a credit product with AMAZON STORECARD issued by Synchrony Bank. 
Unfortunately, we are unable to approve your request at this time. 
Your request was denied for the following reason ( s ) : History of dishonored payment ( s ) to Synchrony Bank Sincerely , Synchrony Bank I have two credit cards opened with SB ( Guitar Center and XXXX ). I have never missed nor had a late payment on these cards, and paid them off early. Contacting SB customer service for the AMAZON STORECARD, no one was able to explain this or give me the contact information of someone who could. I was told there was no one at SB who was responsible for the decision, that it was automated, and that I should re-apply.
Product: Credit reporting, credit repair services, or other personal consumer reports

My issue is that my credit report is showing I missed the XXXX, XXXX and XX/XX/2019 payments for my Barclays Frontier credit card. I attempted to reach Barclays by phone to correct this but was told by a recording that they have limited staff and were unable to accept my call. This was on XX/XX/2019.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I received a credit alert from XXXX XXXX indicating the following notification verbatim ( dropping my Experian credit report by XXXX points ) : Balance Decreased : XXXX XXXX XXXX account was closed - Between XX/XX/2023, and XX/XX/2023, your XXXX XXXX XXXX automotive account appears to have been closed. 

Note : Upon initially contacting the creditor to confirm that in fact, my account is open and in good standing, I was advised that I needed to resolve this with the credit reporting agency to which I replied, NO your the creditor responsible for the misreporting of my account status impairing my credit rating and then asked for a manager to which I was transferred and formally filed a complaint with them along with a request to correct the reporting as I will not get back my XXXX points once its inaccurately reported. Nobody was able to provide me with details or verify the misrepresentation, and from my personal perspective FRAUDULENTLY misreported the current status of my account impairing my credit report by XXXX points. The only thing the representative I spoke with said was she would forward my complaint to their credit resolution department for further investigation and that I could call back in a few days to discover the status of the complaint. Concurrently, they also reported the following contradicting their misreporting of the account being closed as follows : Payment History Changed ( Positive ) Nice! It looks like your payment history was updated or corrected. The more one-time payments you have the better. 

My Complaint : Misreporting/misrepresentation of account status that is conflicting. While they incorrectly reported the account closed - decreasing my Experian credit rating by XXXX points their contradicting notice of positive payment history did not increase or correct my credit score. 

Contact for XXXX XXXX XXXX : ( XXXX ) XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year I filed an Identity Theft report with the FTC and as a result placed security freezes and fraud alerts on my credit reports with the 3 major reporting agencies. Of the XXXX only XXXX allows me to access my reports and freeze online. XXXX and Equifax both deny me online access and Ive tried to resolve the problem over the phone and by mail but every time I request any reports or lifts or any information I have been denied. Ive submitted Identifying documentation but still havent received any help. Recently I even received two letters denying me credit and/or loans that I havent applied for. I request access to any application attempts for credit as well as access to my reports.
Product: Checking or savings account

On the date of XX/XX/2022 to XX/XX/2022 I was having an open house and during that time my phone and my wallet were taking. I noticed on the XXXX where I can find my phone that morning and I try to find it and find it and deal with the open house at the same time when the open house was done so can not find my phone so I went to find my wallet and I can not find that neither how much time in the next day thinking I just left it somewhere or missed placed it. At what time finally I grabbed another device XXXX now this was the evening and logged into and found the phone was elsewhere at this time I remotely disabled the phone and remotely wiped it back factory reset it then I just had to look to the banking accounts on the XXXX and I seen that XXXX transactions were going at this time I immediately contacted all the financial services and canceled cards closed and shut off cards and everything so they can not be accessed anymore upon the next morning I filed a dispute on all charges as you can see Ive never charged into these places before with sound Im going over to XXXX and XXXX and everything else ATM withdrawal. I figured they hacked my phone to bypass the password which is very easy nowadays nothings truly locked when it comes to a phone. What is a Financial services have reclaimed my money and if you dont new cards and new protections to lock but still have one company that has denied every single claim they denied the ATM claim plus all the other charges heres a list of everything they denied. 
XX/XX/2022 {$55.00} ( XXXX XXXX  ) XX/XX/2022 {$100.00} ( XXXX XXXX  ) XX/XX/2022 {$100.00} ( XXXX XXXX  ) XX/XX/2022 {$40.00} ( Sent money to XXXX XXXX  account ) XX/XX/2022 {$210.00} ( Send money to XXXX XXXX account ) XX/XX/2022 {$67.00} ( House of valor $ XX/XX/2022 {$700.00} ( ATM Withdrawal ) I cant believe that theyre denying us its like I wish they wouldve shut the card off as soon as them Weird charging start popping up. XXXX say I had claim with XXXX XXXX  with you guys and you guys made that get corrected and finally taken care of and I was at that with them for months until I finally found your services here so thank you for that
Product: Credit reporting or other personal consumer reports

The late payment in question is reported by [ transunion ] for the period of [ XXXX 2024 of late payment ]. I believe this information is incorrect and does not comply with the requirements outlined in the Truth in Lending Act ( TILA ), specifically section 1637 ( b ) of Title 15, which mandates that creditors provide accurate and complete information regarding the terms of credit, including payment history.

Furthermore, according to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s-2, furnishers of information must report accurate details. The late payment reported does not reflect my true payment history, and I request that you investigate this matter in accordance with 15 U.S. Code 1681i. 

XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES : XXXX XXXX XXXX XXXX2024XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I uploaded a letter to XXXX, Equifax and XXXX and asked if they could send me copies of the documents used to verify the accuracy of the account on DATE SUBMITTED. They sent me an alert which said the account was updated and the companies verified my accounts. I asked for proof of any files to verify these accounts and if there are not any, please delete these accounts. XXXX, Equifax, or XXXX does not have any files to verify these accounts, nor will they delete it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On X/XX/2017, I mailed a dispute letter to XXXX asking them to remove collection account, XXXX XXXX XXXX from my credit report AND to verify that the debt. I requested that they send me the name, address and phone number of the person that verified the debt. I asked them to obtain physical proof, because I have no knowledge of this company. The dispute result came back as " verified '', but with no validation or verification. I am desperately trying to buy a home and this is keeping me from that goal. I do not and I have never had a contract with this company. I am not liable for this collection.
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX 
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
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputed transactions, particularly given the ongoing scrutiny and recent findings about the platforms accountability. Despite multiple attempts to resolve discrepancies through my financial institution and Zelle, my claims were inadequately investigated. I was informed that recovering lost funds was not possible and that transaction tracking was unfeasible. 

The findings from consumer advocacy organizations suggest that Zelle has failed to implement effective consumer protection measures, leaving users exposed to fraud and repeat exploitation. This lack of security and accountability has undermined trust in the system. 

I consent to the Consumer Financial Protection Bureau publishing this statement on its public database ( consumerfinance.gov ) so that others may benefit from my experience. I understand that steps will be taken to anonymize my personal details, though I acknowledge there may still be a risk of identification.
Product: Credit card

Back in 2018 I called the stores And explain to them I didn't apply for any credit card from them And now it is on my credit report