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

XXXX incorrectly reported a 30-days late payment on a credit card balance of about {$10.00} in XX/XX/XXXX. XXXX recorded this incorrect information and I discovered this some months later and disputed it. XXXX told me I had to pay {$4.00} a month for credit monitoring in order to get any information corrected, then go to XXXX to resolve the issue. I opened a dispute with XXXX and they found in my favor in a letter dated XX/XX/XXXX. XXXX then reported this to Experian, and I also sent the letter from XXXX finding in my favor to XXXX XXXX then closed the dispute with the incorrect information still in there and continues to bill for their " credit protection '' with a strong implication that more severe negative mistakes will show up on my credit report if I do not. This has already likely cost me a higher interest rate on a mortgage refinance. Equifax corrected the bad information already without even asking for payment. XXXX is still working on it but hasn't ever asked for payment in exchange for accurate reporting.
Product: Credit reporting or other personal consumer reports

Account were not verified with thorough investigation. I have not received verifications.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Legal Violations By reporting unfurnished loans, R.A. Rogers and XXXX has violated the following laws : I never obtained any notification from R.A. Rogers or XXXX. 

Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 : Rogers and XXXX is required by law to furnish accurate information to credit reporting agencies. The reporting of unfurnished loans is false and a clear violation of this statute.

Consumer Financial Protection Bureau ( CFPB ) Regulations : Under the CFPBs oversight, lenders are prohibited from engaging in retaliatory actions against consumers. Reporting false information after my attempt to resolve the issue can be construed as malicious intent.

Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 : Any attempts to coerce or punish consumers through false credit reporting are also violations under this law, particularly as they relate to unjust practices or misrepresentation of debts.

Demand for Immediate Action I demand that R.A. Rogers immediately take the following steps : Remove any and all inaccurate, unfurnished loan reports from my credit history with XXXX, and any other credit bureaus to which R.A. Rogers and XXXX may have reported. 
Provide me with written confirmation that these changes have been made within 30 days. 
Failure to comply with this request will result in the filing of formal complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and possible legal action for violating my consumer rights under the FCRA, FDCPA, and other applicable laws. 

I look forward to your prompt resolution of this matter.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX am a victim of Fraud/Identity theft. XXXX continue to conspire with these companies who report information that's not accurate. 
These late payments, closed accounts, hard inquires. In accordance with fair credit Reporting act accounts XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/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 1681 Section 608/623 as well.

15 USC 1666A : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review this account ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 
XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$5700.00}
Product: Mortgage

My mortgage was sold to PHH Mortgage on XX/XX/XXXX, prior to that it was serviced by XXXX XXXX. I have spoken to XXXX XXXX and my last payment was applied correctly on XX/XX/XXXX for the XX/XX/XXXX payment. Which meant that my first payment to PHH should be applied to the XX/XX/XXXX Payment. On XXXX XXXX I made a payment in the amount of XXXX to be applied to the XX/XX/XXXX payment and on XXXX XXXX I made another payment in the amount of XXXX for the XX/XX/XXXX payment. I have been monitoring the account online since then. I noticed that my account was showing that the due date for the next payment was XX/XX/XXXX. I contacted them 2 weeks after the payments were made and was told that the second payment was misapplied to principle and would be backed out and applied to the XX/XX/XXXX payment. I contacted them again today XX/XX/XXXX. After being transferred 4 times I was now told that both payments were misapplied. I was told again that they would " fix '' it and apply them correctly, but I would have to wait 7-10 days, then I was told 3-5 days then told that it would be fixed today but I still would be unable to have confirmation until Tuesday. I asked what is going to happen when I make a payment this month that should be applied to the XX/XX/XXXX payment. I was told there was no way for them to guarantee that they would apply that payment correctly and I would have to monitor my account. This is absolutely ridiculous, PHH is supposed to be a loan servicer they should be able to properly apply payments to the account. At this point the only acceptable resolution is to have my account transferred to a servicer that can handle accepting monthly payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I am writing to dispute the following information on my credit report, I recently received a copy of my credit report, and i found the following inaccurate information reporting to my credit. 

XXXX Account # XXXX Account Name : XXXX XXXX XXXX : Date of last Activity Reporting : XX/XX/XXXX Transunion Account # XXXX Account Name : XXXX XXXX XXXX XXXX Date of last Activity Reporting : XX/XX/XXXX XXXX  Account # XXXX Account Name : XXXX XXXX XXXX XXXX Date of last Activity Reporting : XX/XX/XXXX How can all three credit bureaus have three different dates on the same account. The dates of activity are incorrect and does meet FCRA. According to he Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of FCRA - You are required to promptly DELETE all information that is inaccurate, incomplete or which can not be verified.
Product: Checking or savings account

On XX/XX/2023 I attempted to close my Citizen 's Bank XXXX account through the phone. I was assured that my account would be closed, and that the remainder of my account would be sent to me as a check in the mail. 

I received the check within a few days, but never received confirmation that the account was closed. On XX/XX/2023 I wrote Citizen 's Bank a letter asking them to send me confirmation that my account was closed. 

On XX/XX/XXXX, I received an email saying that a scheduled transfer from my main XXXX XXXX was going to take place to my ( should now be closed ) Citizen 's Bank account. I called Citizen 's Bank and asked the representative to confirm that my account was closed, and asked to verify that any scheduled transfers were canceled. She confirmed that the account was closed and that the scheduled transfer would not go through. 

I have only had bad experiences with Citizen 's Bank and therefore didn't trust this, and so I paid {$15.00} for a stop payment request from my main bank. As I suspected, I was lied to by Citizen 's Bank and the scheduled transfer was attempted XXXX times.
Product: Debt or credit management

I never applied for XXXX XXXX XXXX on XXXX XXXX, 2023 on my credit report it says it was open that date and as I looked on the collection portion on my credit report says i owe an excessive amount of {$750.00} while researching the bank that I never signed up for stated i opened it on XXXX  2023 which is totally false and the company called Midland credit management never called or in hand writing how much they bought my credit with excessive fees and I found out that it was a subcontract by destiny credit card which only gave me {$300.00} original credit, credit Midland Management charge me an extreme over excessive fees and is not complying with the original credit that I owe I was never acknowledged or read anything saying that it was gon na be double the price plus Excessive fees I would like to settled the original amount of {$300.00} and also I am a victim of XXXX XXXX
Product: Mortgage

On XX/XX/XXXX, I was transferred from XXXX XXXX to Specialized Loan Servicing. Since the change, I have had a constant issue with Specialized Loan Servicing. I didn't even receive a " welcome letter '' until XX/XX/XXXX, where they demanded I owed {$11000.00}. I filed a complaint against them and magically the amount was reduced to {$4700.00}. The company also added a {$20.00} fee thats just titled " Fee Billed '' on XX/XX/XXXX. When I called on XX/XX/XXXX, I was told this was because my home was assessed, yet they don't have a report listed nor was I contacted about any assessment that would be performed. 

I also applied for the IL Homeownership Assistance Program where I was approved. On XX/XX/XXXX, the program wire transferred {$5700.00} to Specialized Loan Servicing to bring this account current. 

The practice SLS performs are predatorily and they should NOT be in business. They are known to take over loans that have potential to foreclose if the property has equity and they can make a quick dollar. This company is worse than XXXX.
Product: Credit reporting or other personal consumer reports

This account contains erroneous information on my credit report across XXXX Credit Bureaus, being XXXX and XXXX. The named account reports inaccurate information within XXXX bureaus that is completely different. The multiple inaccuracies such as payment history, balance owed and other factors reporting are completely against my rights under the FCRA. For that reason XXXX has removed this account from their reporting Bureau. I have sent XXXX a letter regarding this matter and it has not been resolved. It has now passed the 30 day time period making XXXX late to respond to my correspondence in writing. This is a clear violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, and I did not make this charge. Enclosed is a copy of my Identity Theft Report supporting my position? In addition, I am enclosing a copy of sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act ( FCRA ), which detail your responsibilities as an information furnisher to consumer reporting agencies in response to the Identity Theft Report I am providing. These enclosures also detail your responsibilities that apply in the event you receive from a consumer reporting agency notice under section 605B of the FCRA that information you provided to is the result of identity theft. 

Enclosures : Identity Theft Report FCRA Sections 605B, 615 ( f ), 623 ( a ) ( 6 ) RE : Account Number XXXX Account Number XXXX XXXX {$3200.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XX/XX/XXXX {$4400.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT
Product: Debt or credit management

I used Bright Builder on the Bright Money app, intended to take $ XXXX monthly from my account and report it to the credit bureau. The {$10.00} was only charged once and never reported. I was then charged XXXX for a membership that I did not sign up for which is stealing. Now there are many micro transactions happening daily in the amounts of XXXX cents, XXXX cents, XXXX cents, etc. for another service that I didnt sign up for, which is also considered stealing. I contacted them through their in app help line and was told these transactions would stop yet they continue ( stealing yet again ) and my account has even overdrafted. This company is clearly a scam and needs to be treated as such
Product: Credit reporting or other personal consumer reports

This morning, I came across incorrect accounts on my credit report and have no clue why they are there. I check my credit report often, but this time, there were errors that hadnt appeared before. I even refreshed my browser to see if it was a minor technical issue, but the accounts remained. Therefore, I am requesting that my submitted documents be carefully reviewed to put this concern to rest once and for all.
Product: Credit reporting or other personal consumer reports

I couldnt believe it when I saw incorrect accounts on my credit report today. I check my report regularly, and I was completely blindsided by these mistakes. I tried refreshing my browser to see if it was a simple glitch, but that didnt work. Im requesting that my submitted documents be thoroughly examined to ensure I wont have to face this issue again.
Product: Student loan

Hello, I am a XXXX resident who has multiple XXXX and XXXX student loans with Navient ( formerly with XXXX XXXX ). I have been making extra payments on these loans, in hopes of paying them off early so that I can save more for retirement. In order to pay down my balances as quickly as possible, I have been paying off the loans with the highest interest rates first. 

Navient has been misapplying my payments. Each time that I begin making extra payments on XXXX loan, they do apply the extra payment to that loan. But then they advance the due date for the loan that I am paying early, and reapply my regular monthly payment across the remaining loans. They do this in spite of the fact that each time I make an extra payment, I select the option for them NOT to advance my due date. This means that I am paying more interest each month. 

When I asked Navient why they were misapplying my payments, they said it was because my loans are in " groups. '' They said they could ungroup the loans, but given my past dealings with them I am concerned there will be consequences to doing this that they are not disclosing. I do not think Navient should be able to use this " grouping '' practice to end-run around the requirement that they fully apply extra payments early. 

I have attached an example. If you look at this payment history, you can see that as soon as I began making extra payments on this loan, Navient stopped deducting my regular payments on the loan. If you look at the statements for other loans in this group ( most of which are at a lower interest rate ), you would see that they 've spread this regular payment across the remaining loans.
Product: Credit card

On XXXX XXXX I lost my wallet at night. I had work following early in the morning, so I was going to wait to cancel all my cards and see If perhaps my wallet would show up. I got woken up at XXXX From a online Chase application alert stating that over {$4300.00} has been withdrawn from a " XXXX '' in XXXX XXXX, XXXX. I called Chase 24 hour support immediately and reported this as fraud and had them cancel my checking debit Card ASAP. They explained that this happens a lot and they will cover the fraudulent charges in 12 hours. Three days went by of me persistently calling with no valid answers but " We are in the process of disputing your claim ''. On the 4th day the funds were put back and I was at ease. Two weeks later, I received a letter in the mail from chase stating that On XX/XX/XXXX they will be taking out {$4300.00} from my checking account, and that the claim was researched and denied. I called Chase bank immediately, the reason for the denial was that I signed into my account at XXXX and then signed back out and there was about a 10 minute interval in between the time I checked my online bank account on the Iphone app until the time I called the Chase hotline. This is absurd! I used my Iphone to sign in because I received in alert, I mean this is XXXX of the reasons there is a mobile app RIGHT? Anyways, there is no way possible I will be able to cover this. I did some research and found out these funds were withdrawn from a casino in XXXX, XXXX. I am a XXXX year old XXXX living in XXXX and working hard to stay a float. On that note I am not even old enough to enter a casino, so how would I have done this transaction. XXXX, please help me handle this. Thank-You so much for reading my current situation. 
Sincerely, XXXX XXXX
Product: Checking or savings account

The bank I am filing a complaint about is XXXX XXXX. On XX/XX/2018 I initiated an ACH transfer out of my XXXX XXXX savings account to a previously linked external account that was verified by 2 ACH micro deposits. XXXX 's fraud department contacted me to verify the transfer which I did, but they said they don't " like making transfers out of the bank since they want to hold onto the deposits. '' The funds were available and within their published dollar amount limits so they made the transfer. However, they threatened not making another transfer in the future. 

Today, XX/XX/2018 I initiated another transfer out of my XXXX savings account to another VERIFIED external account but the transfer was rejected. This external account was VERIFIED by ACH test deposits and the transfer was within XXXX 's published dollar limits. 

XXXX is not allowing me to move funds out of my account with them. The funds are listed as available to me and again, the amount of the transfer was within XXXX 's published limits. 

I want XXXX XXXX to allow me to access my funds when I want based on THEIR published rules.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$49000.00XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$18000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

synerprise has XXXX open accounts since XX/XX/2010. 
XXXX is for {$220.00} dollars an the other is for {$380.00} dollars. 
I have already paid to the hospital.
Product: Credit card

In the afternoon of XX/XX/XXXX, I received an email saying there's a suspicious activity in my account and I should contact the discover immediately. I called them and provided the information they want, however, after providing my SSN and phone number, they told me they can not verify my identity.

I asked for alternative ways to verify myself but they just say I should wait for their response or contact them later. I did called them back, both in phone and by the online services, however, they use the same words over and over again, while I suddenly found my credit card in discover was suspended that I could make no transactions and purchases. I inquired for this issue immediately but they still say '' we can not verify your identity '' and do not offer me solutions to get my card back online.

I think it is not reasonable for them to disable my credit card and not telling me the proper reason! I do not do any purchases before it is suspended for over 12 hours, and they just locked my account for no reason.
Product: Vehicle loan or lease

I try to apply for a loan through Credit Acceptance through XXXX XXXX   XXXX in XXXX PA I'm trying to own Virtues  Of All XXXX XXXX XXXX through credit exception got denied trying to purchase a cartoon XXXX   forwarding and XXXX got the nine got them you tried to apply for XXXX XXXX XXXX got the nine any new places here in XXXX  PA the XXXX XXXX XXXX and purchasing a vehicle all because of XXXX XXXX XXXX XXXX XXXX and some more and some other more with my real to talk to someone over the phone about it XXXX XXXX denied me of a XXXX XXXX XXXX or XXXX XXXX a XXXX 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. 
XXXX