23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This has been on my credit for some time now and I never knew what it was and I am not familiar with this statement.
Product: Credit reporting or other personal consumer reports

When I reviewed my recent credit report, I have identified discrepancies that require immediate attention. Specifically, regarding the accounts below : XXXX XXXX XXXX XXXX XXXX and XXXX XXXX  XXXX XXXX XXXX. 

The company has acknowledged this error and has committed to updating the status to closed/never late. Other credit bureaus have already corrected the status of the accounts after the companies recognized the inaccuracy of the accounts.
Product: Consumer Loan

According to XXXX XXXX and LendUp.com, I am eligible for a personal loan that would be able to help me squash some debt. After showing me that my score falls into a " approval zone '', I get denied because of lack of credit.
Product: Vehicle loan or lease

I purchased my vehicle through All approved auto sales, and they informed me that I was allowed to obtain a vehicle for {$20000.00} in which I just came across that the loan was immensely impacted and that what I signed off on was not what I expected to, and I tried to refinance my vehicle due to hardships, they told me that there was nothing they can do. The car is only worth {$10000.00}, the payout owed is {$34000.00}. Because I was behind on my payments, they stated that I had to pay more than what I was already paying, they do not work with you. I can't even trade the vehicle in because I'll still owe a lumpsum that's deterring car companies to turn me away because of the negative equity. My credit is heavily impacted by them, and I can no longer afford these payments. I was also told that I had GAP coverage and, on the payout, quote I was informed that I don't. I were scammed through All Approved Auto Sales in XXXX, NJ and I am looking to seek legal services in regard to this matter.
Product: Mortgage

We paid our mortgage w ck # ending in # XXXX. Our servicer Select portfolio Servicing, processed the check twice. ( A total of 3 payments debited, intended to pay 2 ) The same check number cleared our account and was debited twice. We called servicing to correct the issue. We asked to send in the documentation to show where the ck had cleared. I sent in my account statement to show where the duplicate payment was made. I was told that the payment would be applied to my XXXX payment. It was not applied. I am now 30 days behind due to the payment not being applied correctly. I have called and spoken with multiple people who say no notes have been made and each call I send in documentation. Each time I'm told it will be fixed. I have been told that they are way behind and it will be another 30 days each time I call in. I now have a 30 day late payment and late notices due to non payment on my mortgage. I am attaching my bank statement to show where the money was duplicated and debited.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX XXXX  and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check the status of these items, i believe it was reporting in error. 
XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX, MA XXXX, XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX Balance : {$0.00}
Product: Credit card

I paid my balance in full including all previously charged interested. 
the following billing cycle I was charged interest eventhough my balanace was {$0.00}
Product: Credit reporting or other personal consumer reports

I have applied for several new XXXX accounts, as either transffered my business to chase, or expanding my business cards for rebates and rewards. 

I applied for XXXX only, my personal Credit should not of been effected, these XXXX inquiries dropped my personal credit score. I did not apply for Personal credit therefor my personal credit should not suffer for this. 

Personal credit report Hard pulls for XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/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. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety especially when following all steps for transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account was opened in XXXX and is still being reported as a negative closed account on my credit report. In addition, a payment history check will show the first delinquency on this account is over XXXX XXXX XXXX. This account should be deleted in totality. I asked for it to be removed entirely. according to the credit reporting laws accounts not paid as agreed or delinquent can not be reported after XXXX years.
Product: Credit card

Three years ago, I called and asked for a decrease in my interest rate on the CITI Bank credit card, " Sear 's " Shop-Your Way ''. I started off with 18 % and now it's XXXX. I called again in XX/XX/year> and Monday, XX/XX/year>. The call center is in XXXX, and no one I have spoken to is willing to lower these credit card rates. I received subprime loans which I did not know they were offering when I applied for this card. I pay my monthly bill on time, and I pay more than the minimum balance. I am being punished because I pay my bill on time and the majority of my payments are more than the {$29.00} minimum payment.
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report and notice I had some fraudulent accounts on my report. Please removed these accounts from my report they are hurting my ability to obtain credit
Product: Credit reporting or other personal consumer reports

I have reporting from Va XXXX XXXX XXXX XXXX XXXX thats reporting twice and has the incorrect balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Midland Credit Management has placed a collection on my XXXX & XXXX that I have no knowledge of. I have not recieved any validation or correspondence from Midland Credit Management.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 - 30-DAY LATE PAYMENT XX/XX/2018 - 60-DAY LATE PAYMENT XX/XX/2018 - 90-DAY LATE PAYMENT XX/XX/2018 - 120-DAY LATE PAYMENT I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

Taxes Called Fake Customer Service And Gave My Personal Information
Product: Credit reporting, credit repair services, or other personal consumer reports

involve in the process. This account is inaccurately and  erroneously reporting. Your remark says that it falls to  a charge off account while the balnce is already 0. There is no payment history also that shows a 120 days past due for this account. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623  and  according to FCRA Section 611. I have done many attempts to reach out tothe 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and  remove it from my personal credit file. Thank you. 
WFDS ***** Opened Date XX/XX/2015  Balance {$0.00} WELLS FARGO DLR SVC/ ***** Opened Date XX/XX/2015 Balance
Product: Credit reporting or other personal consumer reports

I requested that a bankruptcy that was reporting on my credit report with only TransUnion be validated. The sent back information it was validated with the US Bankruptcy Court. I supplied a letter from the courts verifying they did not furnish the information to and credit bureau. I then sent another letter asking for it to be removed immediately, their reply stated it was verified. Considering this, I am hereby invoking my rights under FCRA 611 ( a ) ( 7 ) to request a comprehensive description of all the methods employed to verify the collection account being reported to your bureau. I am eager to understand how your investigators were able to validate and verify this account as accurate, especially considering that the collection agency failed to provide validating documents within the 30-day period mandated by the FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was impacted by the Equifax security breach and want to place a freeze on my credit. The fact that I need to PAY money to freeze my credit to fix this giant error by a company that clearly does n't care about it 's customers is just terrible. The American people should get free credit freezes/unfreezes in general.
Product: Checking or savings account

Ive had an ongoing issue with my bank ( Truist ) since XX/XX/XXXX. I have been back-and-forth trying to get this resolved with both financial institutions. ( Truist and XXXX XXXX ) and still no resolution. The attorney generals office advised to contact the consumer finance department - It is imperative, I speak to somebody regarding this matter, not only to help resolve my issue, but because it was brought to my attention, that my bank, Truist, has committed fraud by illegally hand writing in an account number on one of my checks when they re-deposited for payment XX/XX/XXXX, I deposited four checks each in the amount of {$500.00}, totaling {$2000.00}. My bank took out {$500.00} on two separate dates. ( XX/XX/XXXX and XX/XX/XXXX ( total if {$1000.00} ) stating one check was returned and the other {$500.00} deduction out of my account was for an adjustment case. 
I have contacted XXXX XXXX numerous times regarding the situation, and after speaking to many representatives, including the supervisor XXXX at the corporate office, they all informed me and sent a letter and the checks stating that the checks were paid/cashed. XXXX XXXX advised me to contact my bank and have my bank contact XXXX XXXX to resolve. After my bank manager told me she was not going around and around with me anymore and removing this from her desk, I then contacted area supervisor, XXXX XXXX, up in XXXX, in which he told me, my bank manager should have stood by me until this was resolved, he promised the same Now he directed me to another branch manager up and XXXX XXXX, South Carolina, after speaking to her, XXXX, and explaining to her that XXXX XXXX confirmed the checks were paid, and that they asked for Truist bank to contact them to resolve, she ( XXXX Truist manager ) told me that they can not speak to XXXX XXXX. I work a full-time job, I am a single mother, and {$1000.00} is very valuable to me. I need help with getting this resolved and finding out who has my XXXX dollars. I appreciate your help in this matter and Im willing and able to send you any or all documents I have on this case. This has been a long drawn out process, that has caused me not only Time but a lot of XXXX XXXX. Thank you in advance XXXX XXXX
Product: Credit reporting or other personal consumer reports

A collection in the amount of {$1000.00} is being reported as a collection on my credit file. The original creditor, XXXX XXXX, is claiming that I opened car insurance with them that has went unpaid. This is completely false and erroneous! I have never owned a vehicle in my life nor have I ever had nor authorized any person to open car insurance on my behalf. I have contacted XXXX Fraud, XXXX, Equifax and XXXX but this account still remains on my report. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to report negative fraudulent information on my credit report and refuses to remove it. They are in violation of the FCRA.
Product: Credit reporting or other personal consumer reports

UNAUTHORIZED INQUIRIES ON MY REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

On XX/XX/year> while booking a reservation for the XXXX XXXX XXXX, XXXX, a XXXX XXXX  XXXX  on the XXXX XXXX Website, as part of the checkout process I was given a limited-time offer to apply for a XXXX XXXX XXXX XXXX XXXX XXXX promised the following, " Limited-Time : {$400.00} XXXX  + XXXX Points '' which XXXX showed this savings for my booking : Total Stay XXXX USD XXXX - XXXX USD Total after XXXX XXXX USD The annual fee for the card was shown as {$95.00}. 

Due to the offer providing a {$400.00} eGiftCard that it said I could use on the current booking, I applied for the credit card and was approved, figuring the {$400.00} would cover XXXX  years of the annual fee, made it a good deal. 

However, the credit card company " baited and switched '' the offer, and instead of giving me what was promised, they gave me an offer that would only give me {$150.00} statement credit, after the first purchase ( which was immediate because after the card was approved in the checkout, it automatically used it for the booking I was booking ) and will give me XXXX points but only after I spend {$3000.00} on purchases in my first XXXX months after opening the account. 

I feel this is deceptive advertising and a " bait and switch '' they performed on me. Had the offer been what was given I would never have applied as the annual fee is too high for a measly {$150.00} statement credit. 

I reached out to XXXX and they refused to fix the issue that was obviously caused either intentionally or through a defect in their software, even after asking to talk with the agent 's manager ( both the initial agent and the manager gave the same XXXX answer that they could not change it to the correct offer.
Product: Vehicle loan or lease

This company is reporting that this loan has been charged off however they are still contacting me to collect payment and I have never received a 1099C. This is illegal as they have written it off as a charge off, which they have received payment for and still contacting me for payment. They are still not releasing my title and I have no way to register my vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports and need to delete immediately : XXXX XXXXBalance {$0.00} XXXXBalance {$3000.00} XXXX-Balance {$350.00} XXXX-Balance {$12000.00} XXXX  ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX-Balance {$1400.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) -XXXX****-Balance {$1400.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXXXXX-Balance {$1400.00} XXXX XXXXXXXX-Balance {$190.00}
Product: Credit reporting or other personal consumer reports

XX/XX/2017 XXXX XXXX  reported a delinquency to XXXX for a valid debt of {$1100.00} with the account # ending in " XXXX ''. Years later when I attempt to negotiate a settlement XXXX XXXX XXXX, the collection agency they turned the debt over to. XXXX said that it was " XXXX '' accounts roughly for the same amount of money and I vehemently objected! Stating that I only rec 'd service from the dental company one time and one time only. I've asked Both XXXX XXXX XXXX to provide me valid proof of the 2nd account and name of the dental company here in XXXX Tx so I can go and prove this error yet they both refuse to do so! I finally got XXXX to delete both entries off my credit profile only to have XXXX turn right back around and put them both on my Equifax XXXX XXXX credit reports! I mailed a certified letter to XXXX requesting proof of XXXX " bogus '' account and name of the dental company that I rec 'd service from to no avail. In the meantime XXXX wants me to settle 50 % on both accounts w/o any proof or justification. I will send you all the documentation I have dealing with these two very unscrupulous companies! As they are directly stopping me from purchasing a home for my family, because I simply refuse to pay for the same account twice!!
Product: Checking or savings account

XXXX supervisor chase bank fraud department. 

On XX/XX/year>, At or around XXXX hours, I have made my XXXX th attempt of 24 days to resolve the issue without involving the government. 

My final point of contact before submitting this complaint was with XXXX a supervisor of consumer relations.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the 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 XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a request to investigate inaccurate accounts on my credit profile on XXXX/XXXX/2020, it has now been months since I sent my inquiry but I have yet to receive a response. I'm looking to purchase a home/car and the inaccurate information on my profile are stopping me from achieving my dreams.
Product: Checking or savings account

This is a complaint against SunTrust bank and it's unscrupulous, inhuman and unethical business practices. SunTrust bank is closing my checking and savings account without giving me any notice or reason why they are closing my account and they are not letting me access my account whatsoever and they also blocked my debit card for me not to spend my own I repeat my own money. There were several transactions on my account that that needed validate on just to make us I was the one making those purchase which I validated and they are still bent on shutting down my account. Right now I am out of state with no money and food to eat for several days now and can not do anything nor move anywhere as a result of the situation SunTrust bank has put me in. I am starving and XXXX going through a lot of emotional, psychological and financial breakdown due to the inhuman treatment SunTrust bank has netted out to me. I did not do anything shady or suspicious with my bank account whatsoever. I have tried to resolve this issue with the bank on several and several occasions for them to release my money to me as I am not owing the bank but they would not listen. This is my story and just wanted to be heard.
Product: Student loan

I have been trying to login to my account since XX/XX/2023, and the website keeps saying that it does not recognize my account number/social security number. I want to login so I can set up autopay with my checking account, so I don't have to mail them a check. 

I missed my first payment because I thought I was easily going to be able to register on the site before the due date. No information whatsoever has been sent to me via mail if I have been charged a penalty. 

They have an automated phone system, but when they say they will connect you with a customer service rep, they never pick up. I have waited XXXX hours with my phone sitting on my desk, still no answer. I work full time, and can't sit on the phone all day and wait. 

Also, the website also has no email address or contact form available. 

All I want is for someone from customer service to call or email me to fix this issue.
Product: Debt collection

Called wanting XXXX $ forwarded them an email from original company demanding debt stating I only owed XXXX $ still calling saying I owe XXXX $ and something now.
Product: Debt collection

This account it should be snt to the insurance company at the time XXXX I have never advise of the collection.
Product: Checking or savings account

After I suddenly started getting fees on my savings account, I checked the rules and didnt understand how I violated them.It looked like I was following the rules so I contacted Wells Fargo . Wells Fargo employee said I wasnt depositing money every month.I had never deposited monthly into my savings. They ended up giving me back one fee but that was after I threatened to take my banking elsewhere.