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

submitting a complaint regarding inaccurate information on my credit report provided by Transunion. I have identified several inaccuracies that I have disputed, but my concerns have not been adequately addressed. 

Inaccuracy # XXXX : XXXX XXXX Account inquiry XXXX Description : not mine I have made multiple attempts to resolve these issues directly with the agency, including submitting documentation to support my claims. However, the agency has not provided satisfactory responses or corrected the inaccuracies. 

This complaint is based on potential violations of the following laws and regulations : 1. Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) : 1. Under the FCRA, consumers have the right to dispute inaccurate information in their credit reports, and credit reporting agencies are required to investigate disputes and correct any inaccuracies.

2. Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 et seq. ) : 2. If any of the inaccuracies relate to debt collection, the FDCPA prohibits unfair practices in the collection of consumer debts.

3. Consumer Financial Protection Act ( CFPA ) ( 12 U.S.C. 5481 et seq. ) : 3. This act grants the CFPB authority to oversee and enforce compliance with consumer protection laws, including those related to credit reporting.

4. Truth in Lending Act ( TILA ) ( 15 U.S.C. 1601 et seq. ) : 4. If applicable, this act requires lenders to provide clear and accurate information about credit terms and costs.

I am particularly concerned about the lack of transparency in the verification process and the impact these inaccuracies have on my credit score and financial well-being.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to XXXX and TransUnion last XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX Balance {$63000.00} ; XXXX XXXX XXXX XXXX Balance {$27000.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX Balance {$8600.00}.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/year>, I went to US Bank to renew a CD. I expected to see a renewed balance of XXXX, calculate as follows : {$230000.00} x 4 % APY x XXXX XXXX = XXXX The bank renewed my CD at {$230000.00}, yielding a shortage of {$73.00}. 

I then checked my other 2 not-yet-maturing CDs. I expected to see : ( XXXX ) {$520000.00}, with interest calculated as follows : {$500000.00} x 4.5 % APY x XXXX / XXXX = XXXX ( XXXX ) {$170000.00}, with interest calculated as follows : {$170000.00} x 4.21 % APY x XXXX XXXX = XXXX The bank showed {$520000.00} and {$170000.00}. That means 2 more shortages of {$140.00} and {$58.00}. The 3 shortages totaled {$270.00}. 

I talked to XXXX XXXX about these discrepancies. She said she will get back to me with an answer in 2 days. After 2 weeks of phone tags and an in-person visit on XX/XX/XXXX, she gave me a " Certificate of Deposit Agreement & Receipt Truth-in-Savings Disclosure '', which does not show the more complicated daily compounding formula, but does state clearly the penalties for early withdrawal. 

Since she doesn't seem to have a finance background, I thought this matter would be best dealt with by someone who is familiar with interest calculation.
Product: Checking or savings account

I had opened an account with Juno ( CapitalJ Inc. ) in XXXX and they stated that funds were FDIC insured and are being held at a bank XXXX XXXXXXXX XXXX XXXX XXXX  ) but XXXX  bankruptcy all accounts were frozen as of XX/XX/XXXX. After months of reconciliation by XXXX XXXX XXXX XXXX they are stating they only help XXXX XXXX  of my funds and I am missing XXXX XXXX of my funds with no way of receiving it. I have filed an appeal with XXXX  but have not heard anything and they seem to be ignoring. Juno  has repeating push blame on the the service or banks that have used but it's them that most consumers have a relationship with and we have no say in how they move funds in the backend to route them to the banking partners of their choosing. I hope that the governing agencies get involved as this clearly fraud happening here.
Product: Student loan

I have been trying to make payments for my student loans under the XXXX program. However, every time I make any change to my account, I am given bad or incorrect information regarding how to make payments, when payments will be made, how long changes to my plan status will take to be changed, etc. Each of these delays costs me XXXX of dollars in payments and interests and delays the time in which I will be finished with my payments. FedLoan Servicing has been terrible regarding the information that they give me, which is extremely inconsistent between customer service representatives and has caused errors in my payments and processing.
Product: Debt collection

I have written on multiple occasions over the past 4 months documentation reflecting this debt is mine and not another party. The name and address on file associated with this debt do not match mine. I have requested signed contracts and the company has refused to provide them. I have requested Transunion to provide any and all documentation regarding this and I have received nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account name : XXXX XXXX Account numberXXXX Account name : XXXX XXXX XXXX XXXX Account XXXX Account XXXX : XXXX  Account XXXX Account name : XXXX Account XXXX Account name : XXXX XXXXXXXX XXXX  Account XXXX Account name : XXXX XXXX XXXX Account 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 instruction 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 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: Debt collection

I contacted Navy Federal credit Union and negotiated a settlement agreement for a debt that I owe them. we agreed upon a settlement amount and it was printed out and faxed to me. When it was time for them to accept the payment they were informed that it was more money on the table and proceeded to dishonor the settlement agreement because they then wanted more money.
Product: Debt collection

On XX/XX/2015 I began receiving " You 're being sued, hire us '' letters in the mail. They said I was being sued by XXXX XXXX XXXX who hired Brumbaugh and Quandahl P.C ( XXXX XXXX XXXX XXXX XXXX XXXX, NE XXXX, XXXX ) to sue me for the alleged debt. I was served on XX/XX/2015 by the constable. The summons stated XXXX XXXX XXXX as the creditor and Brumbaugh and Quandahl is the law firm suing on their behalf. The amount of the suit was listed at {$4300.00}. No other information was listed, i.e. original creditor, account information, etc. In doing research on LVNV I discovered they are junk debt buyers and predatory debt collectors. Brumbaugh and Quandahl recently started calling me at home but I have not answered knowing it is them. The calls are after XXXX. I believe both entities are violating my consumer rights. I have sent to complaints to the Nebraska Attorney General and the XXXX as well.
Product: Credit card

Hi, I closed my Bank of america XXXX credit card in XXXX, 2023. However, I have not yet received my security deposit of {$200.00} back since then. I have called bank of america multiple times regarding this, but they simply kept me waiting, or claimed that they have issued a new check, which never arrives.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account I previously had, has been charged off. By Definition The IRS Clearly says a Canceled debt or Charge off Is Income. The reporting of this account as a debt is inaccurate.

15 USC 1681 s-2 ( a ) ( 1 ) ( A ) a person not furnish any information relating to a consumer to any consumer reporting agency if the person if the person knows or has reasonable cause to believe that the information is inaccurate. 

I have contacted this establishment informing this manor. I have yet to see any change nor response from these companies reporting to the credit reporting agencies. 

companies contacted XXXX XXXX, XXXX XXXX XXXX, CXXXX XXXX XXXX BARCLAYS BANK DE, XXXX XXXX XXXX,
Product: Checking or savings account

I tried to open a HSBC Advance Checking Account on XX/XX/2018. 

HSBC withdrew {$10000.00} from my XXXXXXXX XXXX checking account as opening deposit on XX/XX/2018 but failed to provide any information on how to access the HSBC Advance account. I  contacted HSBC several times via online chat, phone call and email, HSBC still did not provide me access to the HSBC Advance account. I was never given EBN ( Electronic Banking Number ) to register my account. 

HSBC also falsely advertise 24x7 service for HSBC Advance banking. When I called XXXX after XXXX ET, no one was available to answer the call. 
https : //www.us.hsbc.com/XXXX 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. 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.
Product: Debt collection

On XX/XX/XXXX I paid a {$300.00} payday loan to XXXX XXXX. The loan originated in XX/XX/XXXX. Upon recently reviewing credit score A deragatory remark is shows from Ad Astra Recovery debt collector showing XXXX XXXX account for {$300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the items were erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : XXXX XXXX XXXX XXXX  XX/XX/2021 XXXX XX/XX/2021
Product: Money transfer, virtual currency, or money service

I was sent a job at email through my XXXX XXXX XXXX  email to become a research assistant for a professor that was on campus currently at the time when I accepted the job and discussed the job over the course of a few days and begun the job I quickly noticed that this was a scam and I lost {$420.00} on XX/XX/XXXX  through XXXX and the bank hasnt said much
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXXXXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles 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 infeasible. The CFPBs 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.
Product: Debt collection

I disputed an account with the credit reporting agencies about an account I see on my credit report. they claimed the account was verified and when asked how it was verified the credit bureau said " we take their word for it '' complete disbelief when I heard this. so I contacted the collection agency ( XXXX XXXX XXXX  ) my self and asked for physical proof the account was mine. a contract with my signature on it, photo id used to show proof that I was me opening the account and any other identifying information used to show it was actually me. the lady claimed they don't need that nowadays to open an account. so I asked did she not find nothing wrong with that? she said that's how they do it nowadays. that's also how identity theft occurs. nobody wants to get or see physical proof of the person who is wanting to obtain goods, they just let anybody use anybody 's information.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in Late XXXX  Days and Late XXXX Days to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Payday loan

these lender do n't care becuase all my payment just pay interest and dose not pay toward the princlbe
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I received an inquiry from XXXX that I had a new inquiry on my report and subsequently later a new account was added to my report. 

The inquiry and account was from " XXXX XXXX XXXX XXXX' which I had never heard of at the time. 

So I called them and explained everything and agreed this seemed like some type of identity theft, and that they would remove the account. 

At this point it seems that they have indeed removed the account, however I'm still seeing " XXXX CXXXX XXXX XXXX as a hard inquiry on my XXXX credit file.
Product: Money transfer, virtual currency, or money service

I used the XXXX app to transfer money to another person ( who also banks with one of the well-known, big-name institutions that endorse the app ) on XX/XX/19. The {$400.00} payment was initiated to pay for tickets I intended to purchase through XXXX. I was unfamiliar with the app, but felt confident in it when it was *literally included* within my Bank of America app . The email address for the recipient is listed as " verified ''. 

When the email containing a link to the tickets never appeared, I realized I'd probably been scammed and within ten minutes of initiating the transfer, I tried to cancel it. I was surprised when I was unable to do so via the app or the BOA website. I immediately called the BOA fraud department. The first agent was unable to help me & transferred me to ANOTHER agent, also unable to assist me. They transferred me a second time, supposedly to a specific department that handles XXXX fraud issues. Apparently there are a lot of them, because I waited on hold for an hour and thirty-five minutes. I finally spoke to someone who looked up my account, then suddenly " disappeared ''. I was then greeted by ANOTHER agent, who ( after ten minutes ) told me that I had once again been transferred to the wrong department & they would transfer me directly to someone who could help.

After an additional ten minutes, with total wait time now at an hour and fifty minutes, I finally spoke to an associate who stated that there was basically nothing they could do ... I'd need to speak to a " Recall Associate '', none of which were in the office at the moment?!

When I finally spoke to an associate the following business day, despite the fact that the transfer was still listed as " processing '' ( via the online account manager ), they would not reverse the transfer. They stated that had I read the fine print when I started the XXXX account, I would have seen that the app is only for use in transferring money to friends and family. 

I asked if they are going to close the account of the thief so that they couldn't scam other people. They are going to " file an internal report ''. 

I asked if they are going to file a criminal report against the thief, since BOA/Zelle has access to their identity. They recommended that I file a report with the police/FBI. 

I am planning to close my BOA account, as apparently I can not trust them or the institutions they partner with, and look into filing a report with the FBI.
Product: Checking or savings account

Citibank denied unauthorized transactions a clear violation of reg E. On their denial it states " by law I am entitled to the investigation Information '' they refuse. They break the law all day and no one does anything about it. I need their investigation documents.asap
Product: Credit reporting, credit repair services, or other personal consumer reports

The consumer reporting agencies has failed in the DUTY AND OBLIGATION to conduct an investigation of their own when ever consumers sends in disputes with wrong information being runished. Conspicuously and 100 % accurate and 100 % correct. Which they clearly have failed to do which has gotten me denials for credit in the hardest financial situation to man. NATIONAL CREDIT SYSTEMS has clearly violated the FDCPA on numerous occasions as ill attached below. THE information being furnished by NATIONAL CREDIT SYSTEMS has been changed before and has been deleted/remove from all XXXX Major reporting agencies and not XXXX time have I gotten a letter/NOTICE of information being reinstated before XXXX business day its furnished back into a consumers file. VIOLATION. If NATIONAL CREDIT SYSTEM ASSERTS it did in FACT SENT NOTICE OR LETTER I hereby request proof of any of those claims and or documents. Lastly NATIONAL CREDIT SYSTEMS has certified and verified that the information being furnished in all 3 of my consumer file are accurate when in fact its beyond accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

and I purchased my wifes engagement and wedding ring from XXXX XXXX from your retail store in XX/XX/XXXX. I have made my monthly payments on time and made my last and final payment of {$1000.00} in XX/XX/XXXX. I received a receipt once my payment was finalized. However, months after the payment was made I checked my credit online and it showed I had an outstanding balance with XXXX. Since XX/XX/XXXX I have been in contact with the home office in Ohio of XXXX XXXX. I have faxed the receipt and proof of payment countless times and as of XX/XX/XXXX my issue has yet to be resolved. Each time I contact XXXX XXXX I have to re-explain the situation but only to be transferred to a supervisor who always assures me the issue is being worked on and I will be contacted. There was a point I was in contact with a supervisor who was very apologetic and let me know a credit repair service will contact me and the payment will be applied through the treasury/finance department. Since my conversation with her, I have had nothing but failed contact attempts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, EXPERIAN, XXXX are showing late payments where none existed. Documents attached include ; 1 ) XXXX CUSTOMER STATEMENTS, SHOWING ZERO LATE CHARGES AFTER XX/XX/XXXX AND SOONER WHEN ... .... . 2 ) XXXX REFUNDED 100 % OF LATE CHARGES AS SHOWN ON THIS XXXX STATEMENT ON XX/XX/XXXX ... .. AS SETTLEMENT OF 100 % OF LATE CHARGES AND ALSO PRIOR TO XXXX ... .AS ... SETTLEMENT OF A LONG RUNNING DIPUTE, 3 ) A LETTER FROM XXXX CONFIRMING WAIVER OF ALL LATE FEES ON THE XXXX 4 ) Not clear they have not confused account numbers, the enclose statement from XXXX HAS CORRECT AC #