23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On Thursday, XX/XX/2020, I received a direct deposit in the amount of {$750.00}, on Friday, XX/XX/2020, I received a direct deposit of {$240.00}. Both of the direct deposits are from my employer that I worked for. They put a 2 day hold on posting it to my account, I also tried to use my debit card and it was declined. I contacted the bank and they connected me to loss prevention and they verbally stated they put a restriction on my account and that they will be closing my account in 10 days and keeping my money. My account is in good standing, it is not in the negative, I would like my money returned to me as soon as possible.
Product: Debt collection

This company has been charging me a balance for a year with different collection companies. I make the complaint and the credit company removes it and a few days later they come back again with the same account but with another collection company. On XX/XX/2021 they placed it again.
Product: Credit reporting or other personal consumer reports

Hello i checked my report and ive seen unauthorized credit check inquiries that i have not given constent to. I am demanding these inquiries be removed withing 4 days as they are fraudulent. im trying to establish relationships with banks but continue to be declined becuase of these item on my report. i have attached the fraudulent items to my letter and notified the FTC
Product: Credit reporting, credit repair services, or other personal consumer reports

This XXXX XXXX # XXXX  was " paid-in-full '' on XX/XX/16 and " closed ''. The account is incorrectly being reported as " Derogatory '', " Open '', and in a " Payment Plan ''.
Product: Mortgage

Carrington Mortgage Services There has been ongoing issues in receiving my mortgage statement in the mail and a lengthy time for them to process the payment. So much time would pass before the payment was processed, that I would receive a late notice a day or XXXX after they would process the payment. Today, XX/XX/XXXX, I received the mortgage statement for due payment of XXXX. I sent out the payment on XX/XX/XXXX with the coupon used from last month that I thought was the current one. It came to me in the mail all beat up and half open. It takes an average of XXXX days for them to process my payment. I normally get the mortgage statement late on the XXXX week of the month. I can not access a statement online to print off for my records, but they will easily take a payment. I used to have to pay extra to process payments online until I recently saw that the fee was waived because of covid. 

I contacted the company regarding this issue, the representative on the phone agreed that I have not made any late payments and I am paying extra. I was supposed to have a follow up from someone in the company and have not received any. I was told that the late payment division doesn't communicate efficiently with the payment side, and that is why I got the late notices. 

They have also had to go through my escrow account and redo the amounts taken as I would have too much extra in that account. Trying to talk to someone on the phone is very difficult since covid has struck and the call volume is always very high. I have waited on the phone for XXXX minutes before giving up. I have had to write on paper my payment, account number, how much I am paying and how much goes towards principle because I am not receiving my statements and that is the only way I can see the statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account : XXXX has violated my rights. 

I have reviewed my payment history and I believe he late payments on my account are not accurate. I would like the late payments removed from my account. 

15. U.S.C. 1681 Section 602A States I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2, it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Student loan

XXXX became involved with my student loans at some point ; I am unclear on exactly when. The paperwork has been confusing and comes in overwhelming bunches, then not at all. My loan amount continues to increase and I am unable to afford the payments. I have no options regarding the interest rate or the fact that I do not make enough money to cover the smallest allowed percentage. Now my account is being handled by FedLoan Services. It has been switched between lenders at least 3 times now and I am confused. Also, a portion of it does not appear to be my loan.
Product: Bank account or service

I have a PayPal account and was recently advised that my acct has been permanently suspended. I have ~ {$400.00} in the acct, but they are advising that I can not obtain these funds for 180 days! Seems unreasonable that I should have to wait for 6 months to recover MY funds. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint on Transunion and XXXX/XXXX with Consumer Financial Protection Bureau on XX/XX/XXXX. ( Please see complaint ID XXXX and XXXX for further information ). As a result of the previous complaints that I had on these companies, XXXX/XXXX did agree to update my status on these closed accounts correctly and Transunion did comply. However, on XX/XX/XXXX as a result to a recent dispute that I submitted to Transunion, they updated all of the accounts from XXXX/XXXX as " Account 60 Days Past Due Date, Maximum Delinquency of 60 Days in XX/XX/XXXX ''. This matter has already been resolved by CFPB and Transunion decided to put this incorrect and misleading information back on my Transunion credit report. Transunion has also violated my rights under FCRA by not telling me within 5 days of the reinsertion of the derogatory information on this account.
Product: Debt collection

I am submitting this complaint because I am being extremely affected by Synchrony. They are being completely unfair and I dont know how to get ahold on them but through this portal.

I want to express that I have suffered a big impact in my credit score and I have lived one of the worst periods of my life with all this situation. 

I was a XXXX XXXX  and frontline worker and late payments happened during covid and I was working and also contracted XXXX. 

I would be very happy if the company accepted my request. This would help me a lot. 
I believe that we can continue to have fruitful relationships in the future, I am very happy with your services. 

Please see the document attached : My account information is : Account number : XXXX Open date : XXXX XXXX, XXXX Balance : {$570.00} Account status : Open Solution : deletes XXXX and XXXX late payments XXXX from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other XXXX to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 




XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Checking or savings account

I have been waiting for over 48 hours to receive two separate direct deposit checks. Capital one waited 24 hours or more to issue an email stating there is a technical issue. I have bills that are due which will now acquire a late fee when paid. It is an inconvenience to everyone who this has affected with little to no communication. There is a holiday on Monday and some of us rely on our hard earned money to eat, transport to jobs, health centers and pay our bills.
Product: Credit card

Some of my credit card issuers are trying to charge a minimum interest of {$2.00} even when my balance is paid in full each billing cycle. Others are charging it in lieu of the actual accrued interest, which is less than {$2.00}. I complained and was told that congress authorized them to steal my money in this way through the credit card reform act. Obviously, this is problematic. 
Sincerely, XXXX XXXX
Product: Debt collection

XXXX XXXX, a unit of Nelnet, sent me a notice of increased payments calculated on my student loan due to a variable interest rate. They repeatedly refused, and continue to refuse, sending me the complete set of calculations supporting the change in payments. They sent partial libor related data but never sent the full equation and explanation. I contend this is egregiously wrong and evidence of bad faith in lending and the process of collecting payments. I would ask that they notified of a valid complaint and an investigation commenced. Failure to share details such as this generally implies there is something to hide. My name is XXXX XXXX and phone number is XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to purchase a home. I have an inaccurate Experian credit score that has not been updated since XXXX XX/XX/XXXX. This is resulting in a higher interest rate. By law Experian is supposed to updated any inaccurate info on my credit report after 30 days. I have also disputed the two collections accounts on my credit summary but they still shows the accounts are in collections. They were paid off on XX/XX/XXXX. I need someone to ensure my score is reflected correctly to shows updated and accurate info. I have attached screenshots to reflect the issues, disputed info and more.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX Acct # XXXX, has violated my rights XXXX  XXXX Acct # XXXX, has violated my rights XXXX XXXX XXXX XXXX Acct # XXXX, has violated my rights XXXX/XXXX  Acct # XXXX, has violated my rights XXXX XXXX XXXX Acct # XXXX, has violated my rights XXXX  XXXX  Acct # XXXX, violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.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 seven 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: Credit reporting or other personal consumer reports

This same account was on my credit back in XXXX and was removed by the company once I talked to someone over the phone and they were unable to prove that this account was mines. Now it is XX/XX/XXXX and this same account is back on my credit report and is now a debt collection that I have no knowledge about
Product: Credit card or prepaid card

On XX/XX/2018 my wife and I checked into an XXXX XXXX for what was supposed to be a 7 day stay. Upon checking in that evening after flying into our destination, we were extremely disappointed in the cleanliness and filth of the home so we left 1st thing in the morning and checked into a local hotel. XXXX XXXX refused to give us a refund for our stay for the 6 nights we did not stay and insisted that they keep the full {$350.00} even after we sent them photos of how disgusting the house was. At this point, I called Chase Bank to dispute the charge and Chase gave my a provisional credit. Chase was able to see that we in fact checked into a hotel seeing that I used my Chase Credit Card for the hotel. They said that was sufficient to show that we did not stay at the XXXX XXXX and we thought the issue was resolved. I explained to Chase that I was willing to pay for the one night ( 12 hours ) we did stay and they said there was no way to refund only 6 of the 7 nights. Well now, over 2 months later, Chase is reversing {$260.00} of the {$350.00} that was originally reversed. After 3 phone calls with Chase, I have been told I have no recourse because XXXX XXXX provided documentation that substantiates the charge. Really??? So what was supposed to be {$50.00} a night is now {$260.00}? Chase could not refund my account only the applicable {$300.00} for the 6 nights we did not stay, but they can now credit XXXX XXXX {$260.00} for one night? Chase refuses to send me a copy of XXXX XXXX 's response to them so that I can properly refute their response. I have received no Communication from Visa and Chase said Visa has no phone number to call in this regard. Chase would not let me speak with a manager and acts as if its a closed deal. XXXX XXXX made NO attempt to settle this issue with me and now Chase is making no attempt to represent me as their customer either. So I apparently have no recourse except to file this complaint and/or hire legal representation which would cost far more than the {$260.00} that was in my opinion, just illegally taken from my checking account.
Product: Credit reporting, credit repair services, 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. 

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  Account name : XXXX XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.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 seven 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: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple dispute letters to XXXX Equifax and XXXX. I have not received a response or an intent to verify and investigate. I would greatly appreciate if you could investigate and delete the follow inaccuracies off of my credit report. thank you.
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reasons and will not help me with getting it back up and going i am not sure if this is some mistakes as i assumed it has to be. I have not been able to get help from them for months but i just remembered i could file a report on here as i feel they are not doing their job properly and it is affecting me a great deal as i used PayPal quite frequently. My email Linked to my PayPal account is XXXX XXXX
Product: Debt collection

I had a membership to   XXXX   XXXX   which was on auto pay out of my account, I was no longer able to go to the gym due to work priorities and went to my local facility and cancelled my membership. I pulled my credit report to view any changes and noticed a collection charge for  XXXX  from FIRST CREDIT SERVICES. I had auto pay and closed my account there was no previous balance due.
Product: Credit reporting or other personal consumer reports

TransUnion LLC XXXX XXXX XXXX, PA XXXX Dear sir, I have received two letters prepared on XX/XX/XXXX ( file # XXXX ) and XX/XX/XXXX ( F # XXXX ) sent from one of your branch offices addressed TransUnion LLC XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX I am not sure why your company, TransUnion, also needs to have many offices to contact or send the letters to me by unknown reasons. Even though your employee stated the letters were for the replies of credit score and dispute status, I do not recognize whether I requested to send the report which requires fee due to the nature of victim of identity theft. Since I have already struggled with other credit report companies by reporting to CFPB and other public organizations already from XX/XX/XXXX, I request why do you think I have requested the dispute and credit score. I believe most of the credit reports of other companies became unreliable due to the hackings, fraud activities, and illegal actions. I request further comments. I will send this letter to your company headquarters in XXXX, IL. 
Sincerely,
Product: Money transfer, virtual currency, or money service

Money was accidentally sent a few times and I was told no refund and some of my zelle transactions were cancelled from people sending me money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been battling with both of these accounts. I have reached out to the companies but i cant get anywhere with them. The following two accounts are not mines, and to the best of my knowlege i am a victim of identity thief.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account has been closed on my credit and I do not recognize
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 a company that goes by the name Sarma, location XXXX XXXX XXXX XXXX XXXX, TX XXXX had illegally pulled my credit report for a mortgage broker that never obtained my consent to pull my report. I did not give permission orally, or written to pull my credit report. They did so on their own. I have tried on 2 different occasions to contact Sarma @ XXXX on XX/XX/2019 @ XXXX and left a message to have a call back, spend 12mins on the phone waiting for a representative. Made another attempt to contact them on XX/XX/2019 @ XXXX @ XXXX and spend 14 mins on hold before the automated system hung up on me. Called XXXX on XX/XX/2019 @ XXXX XXXX to dispute the inquiry. Was told by XXXX representative that they could not remove the inquiry and that I had to have it removed by the company that requested it. Problem is I can't get ahold of the company that requested it as they don't answer their phone or call back.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I went to a XXXX XXXXXXXX XXXX in XXXX Ms , to trade in a vehicle. I discussed in the parking lot with the salesman my income and such. They proceed to run my credit with many banks without verifying my income or any information about me with an application. pretty much they used made up data to run my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

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

XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/2020 Balance XXXX, XXXX XXXX Date opened XX/XX/2020 Balance {$12000.00}, XXXX XXXX Date opened XX/XX/2020 Balance {$1900.00}, XXXX XXXX Date opened XX/XX/2020 Balance {$7500.00}, and XXXX XXXX Date opened XX/XX/2020 Balance {$1200.00}. 

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 an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB : I have been a Victim of the 2017 XXXX Security Breach. I have disputed with XXXX XXXX over six times regarding the same thing and I have sent them police reports along with FTC reports explaining the situation and each representative assures me that these inquiries are going to be removed. Then once the investigation is complete they sent me a copy of my credit report stating that the inquiries have been deleted but they still remain. I have contacted XXXX because most of the inquiries are from XXXX and they agreed to have them removed but they remain. This is a trying time for many American and worldwide people some of us need to take out loans and due to the fraudulent inquiries it is a hindrance right now to take loan.
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 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 others vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Money transfer, virtual currency, or money service

tried to transfer funds using the online app Cash App, when transferring funds the system would not transfer, so retried transfer and it went through. I immediately notice the transfer went through twice. I tried finding out on the app how to stop second transfer. Once I was told by friend to ask the receiver to transfer by asking for the amount using the request button. when they refused I went to XXXX to find out how to contact Cash App, there are no way to contact XXXX or Cust service using this App. I found away to contact Cash App & email the transaction information. I received a response saying Cash App was not responsible even it was a system error. I tried to escalate & always get same response Cash App was not responsible. Filed XXXX  complaint & Cash App still refused to refund the Amount of {$50.00}. 
Also I received a payment for {$40.00} using Cash App. Cash App received but was never deposited in my checking card. Contacted Cash App via email & have not got a response back.
Product: Money transfer, virtual currency, or money service

Over the course of about 2 months I was involved in a scam through cashapp in which I lost {$5000.00}. I made multiple attempts to reach out to cashapp regarding my situation and received no replies.
Product: Checking or savings account

Chase closed ALL my credit cards ( tot al 2 ). Th e only rationale they have given is " compliance '' .Despite my effort to resolve this issue, Chase has refused to work with me. I held a security clearance and my background was scrutinized by the department of defense. All my income are verifiable via  XXXX  or  XXXX . Every purchase is explainable. There should be no reason that I am offending any of their " compliance '' regulations. They have sent out letters that my accounts will be closed by  X/XX/2017