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

I called TransUnion XX/XX/18 regarding data error using the number provided online from free credit report. I was connected to an offshore representative without my knowledge. I was not alerted my call was re-routed to a foreign country albeit to an employee of TransUnion. Because my call was routed outside the US and the information requested included my US Social and other personal data it occured to me my shared data was potentially at risk. I only realized I was talking to a foreign national due to the delay over the phone. I requested to be re-directed to a US based representative. I asked if the call was secure and encrypted otherwise my voice and vocal responses could potentially be hacked/tapped in the foreign country used by TransUnion to re-route my US based inquiry. This may be a common cost saving initiative by all Credit Bureaus but it potentially represents a glaring gap in security because its routed un-encrypted through a foreign telecommunication system. While I was assured Transunion makes every effort to secure information AT its offshore locations this is not a safeguard for interception of call TO those offices in foreign telecommunication systems subject to foreign unknown laws. At a minimum if a call is routed outside the US and representatives are collecting personal data you need to be informed at the outset of the discussion with a representative. This needs to be fixed asap.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my cor regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues w the platform. Despite using Zelle nume times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. The informed me that recovering lost funds impossible and that tracking these transactions was unfeasible. The XXXX  findings indicate that Zelle has not only neglected to protect consumers but ha allowed repeat offenders to exploit the system, leaving users vulnerable to scams I want the CFPB to publish this description on consumer fins Security number, etc. We may ask to this information later, to help the cor identify you and your account. 
I am writing to formally express my cor regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues w the platform. Despite using Zelle nume times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. The informed me that recovering lost funds impossible and that tracking these transactions was unfeasible. The XXXX findings indicate that Zelle has not only neglected to protect consumers but ha allowed repeat offenders to exploit the system, leaving users vulnerable to sca I want the CFPB to publish this description on consumer finance so that others can learn from m experience.
Product: Credit reporting or other personal consumer reports

I am currently in a XXXX XXXXXXXX and my services XXXX XXXX  keeps reporting my mortgage as being late when its not. I have not missed any payments and the amount they are reporting is incorrect and is apart of the bankruptcy. I have notified my attorney and he has not gotten a resolution. When I contacted XXXX they advised that nothing should have been reported and that it was an error on their part. They asked for my XXXX XXXX credit report which I sent showing that they reported it being late twice. How when the company doesnt allow anyone whos is currently in bankruptcy to pay their loan on line!!! My payment gets taken out of my account and sent to the po box they provided.
Product: Credit card or prepaid card

I was coerced into signing up for a XXXX XXXX by a salesclerk at a XXXX store and I did. I signed up for the card and purchased to items with the card. However right after I purchased the items I returned to my residency at my university and therefore never received the card because it was sent to my home address. After a couple of months passed I received a call from Comenity Capital bank saying that I was overdue on the payment and therefore would have to pay XXXX which I did. 

A couple of months go by and I make another purchase at XXXX with my card ( though I still don't have the physical card so I have to use my phone number associated with it ). This time I make sure to pay it within a reasonable time frame so I can avoid the interest fees. However without a card I have to call to make the payment. I call to make the payment with a representative to make a payment, and then I am directed to a machine. The machine is unable to process my payment so I have to call back to speak to a representative to make the payment with the representative. The representative tells me I have a payment coming up THAT IS NOT DUE YET but I can still make the payment with her for a fee.I told the lady as there was no other option for me I did not think it was fair for me to pay a fee and she agreed to waive it ( though I was still charged an additional fee ). Now I am receiving calls from Comenity saying that I owe them a late payment fee of over XXXX dollars because my recent payment ( the one I was told was not due yet ) was overdue, and I did not pay it for 6 months so the interest accrued ( XXXX per month for 6 months ). This was not what I was told on the phone and now it is also my affecting my credit score. Please do something. I have proof that I paid the balances that I described in FULL.
Product: Credit reporting or other personal consumer reports

I am writing to formally address a violation of the Fair Credit Reporting Act ( FCRA ) and to highlight specific inaccuracies and in how XXXX has reported my account to the credit bureaus XXXX and Equifax. These actions breach FCRA sections 623 ( a ) ( 1 ) ( A ) and 623 ( b ), which require accurate reporting of information and reasonable investigation of disputes. I believe I am a victim of predatory and immoral practices to mislead consumers into paying devastating hidden fees, and violates consumer protection laws.This company is currently involved in a multi-state lawsuit for such practices ( XXXX XXXX. XXXX ). Moreover, the account status was not updated to reflect the payment accurately, as required under FCRA Section 623 ( a ) ( 1 ) ( A ), which mandates that information provided to credit bureaus be accurate and truthful. XXXX XXXX has also reported inconsistent and inaccurate information to XXXX and Equifax regarding this account. Specifically, the account balance is being reported as {$1900.00} on XXXX, and {$1900.00} on Equifax. There are also inconsistencies regarding last payment date ( XX/XX/XXXX Equifax, XX/XX/XXXX XXXX ), last active dates ( XX/XX/XXXX XXXX, XX/XX/XXXX Equifax ), and more. Despite multiple disputes, both credit bureaus continue to report this inaccurate information, indicating XXXX XXXX has failed to fulfill its obligations under FCRA Section 623 ( b ), which requires a reasonable investigation of disputes and the correction of errors. These actions have caused significant harm to my financial well-being and creditworthiness. The inaccurate and unfair reporting on my credit profile directly impacts my ability to access financial opportunities and has created unnecessary stress. As a consumer, I have the right under FCRA to dispute any inaccuracies on my credit report and expect them to be corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

For last year between XX/XX/XXXX XX/XX/XXXX Being receiving pre approved notices through emails and notifications from credit karma stating that I was pre approved for credit cards for at least XXXX And when I applied it was dis approved and it all was denied but they keep sending them XXXX XXXX times a week Its stressful because it lies and get your info and you apply over and over loosing points and was hoping to get approved. I really needed the money for medical bills it has caused harm stress and affected my credit by multiple inquiries and also medical stress and denial from other companies I ask them to stop and has not! 
My score is dropping and their saling my information for profit while I struggle its cause great stress and affect my living!
Product: Credit reporting or other personal consumer reports

XXXX XXXX and the credit reporting agencies has violated multiple laws that pertaining to my right to fair and accurate reporting. 15 U.S.C 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( XXXX XXXX ) making the report. 15 U.S.C 1681s-2 ( a ) ( 1 ) ( a ) states that a person ( XXXX XXXX ) shall not furnish any information relating to a consumer ( myself ) to any credit reporting agency ( XXXX, XXXX, Equifax ) if the person knows or has reasonable cause to believe that the information is inaccurate. By XXXX XXXX reporting on their transactions between themselves and I this would automatically make the the report inaccurate. Yet XXXX, XXXX, and Equifax continue to report this on my credit report. Before the account was sent to collections the account was a " Charge-Off ''. The IRS defines a " Charge-Off '' as a certificate of indebtedness and that it is considered Gross or Ordinary income. Income is not to be reported on the consumer report. Because the account was " Charged-Off '' that means that XXXX XXXX submitted a 1099-C with the IRS but failed to provide myself with the 1099-C for tax purposes. I have reached out to XXXX XXXX to remedy the situation and expected the matter to be handled with good faith, but I have been met with no response
Product: Debt collection

This is a formal complaint against NCB Management Service located in XXXX, PA. This company has repeatedly violated my consumer rights under the Fair Debt Collection Practices Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable collection account on all 3 of my credit reports, XXXX XXXX  and XXXX and not to mention an account in which I've asked for proof of claim and in which they have refused to validate per my request under the Fair Debt Collection Practices Act. Despite my efforts to resolve this unfortunate nightmare for nearly a year now, NCB Management Service has completely ignored my communications and legal submissions to remove this inaccurate information from my credit reports. I am well aware of the many, many other complaints filed against this company for their illegal and unethical collection practices - disguising themselves under multiple business names and using ILLEGAL collection practices all across the country. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Product: Credit card or prepaid card

On XX/XX/18 I contacted Capital One to discuss repayment options due to my account being past due. The Capital One website explained that while my account was past due, I still had payment options. I initiated a chat with an account specialist to discuss the terms for repayment. I was advised that if I made a payment of {$200.00} on XX/XX/18 it would bring the account current & in good standing & I would have access to the account. Today I checked my XXXX XXXX account and saw that the Capital One account showed closed. I called Capital One & spoke with a Credit Specialist ( XXXX ) that advised the arrangements were made in error and the representative that made the arrangements would be coached and that my account had already been closed as of XX/XX/18. I explained that this was unfair & misleading. The credit specialist ( XXXX ) clearly became frustrated during our interaction and essentially released the call. I would like to have my chat interaction, website alert message that states that even as todays date that I still have payment options, and call interaction from today to be reviewed. At this point I want to make sure that if I pay {$200.00} that my account would be in good standing and accessible or an explanation if I have any rights. This is extremely unfair & demonstrates deceptive practices by Capitol One.
Product: Mortgage

The company provides estimates with language that is very clearly not calculating repayment amounts correctly because of a mysterious additional variable that enters the calculus when you ask why the numbers don't add up.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agency has done it again I sent in every single document for an alleged Bankruptcy file # XXXX they have reporting on my report. I just received a document from them stating the item was verified which is completely false and in violation of the. They stated to me the item was verified through XXXX XXXX. I then went to them and they replied they could not even verify the information and removed it from my file. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted and they responded and flat out lied that the item was verified. This has been going on since XXXX. I have now gotten my states attorney involved as well as the XXXX XXXX XXXX. They are violating my rights and damaging my credit. I do not think they are conduction any research and furthermore once gain I sent them every single document. it is also on Transunion website they use XXXX XXXX : XXXX has removed it off my report with no issues because once again it is unverifiable and false. 

For bankruptcy public records collected through XX/XX/2018, TransUnion obtained information about your bankruptcy from third-party vendor, XXXX. XXXX may be contacted using the information provided below. 

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

Upon reviewing my credit file, incorrect information was found in my reports. The 3 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 : 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 EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I recently refinanced my house ( paperwork signed XXXX XXXX, 2016 ). Last week beginning XXXX XXXX, I checked my mortgage balance with the old mortgage lender ( Branch Bank & Trust ) to verify that the old mortgage balance had gone to XXXX. It had not. I contacted the new mortgage company, XXXX XXXX XXXX to verify the transaction. They provided me with a document that showed that XXXX XXXX XXXX had transferred, through XXXX {$270000.00} to BB & T on XXXX XXXX, 2016. I have called the mortgage lending group of BB & T almost every day since then to check on the status of the wire transfer. I have called all of the parties involved XXXX XXXX XXXX, XXXX, XXXX, and BB & T multiple times and am unable to get a clear answer on exactly what happened to the {$270000.00} ). The money seemed to have disappeared : XXXX claims they have records of the transfer and BB & T seems to have no records of the transfer. And I seem to be on the hook for two mortgage payments now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had accounts included in bankruptcy. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. the accounts must be fixed for their erroneous status XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried 3 times for Experian to remove 17 unauthorized inquires, my credit information was released by XXXX on the dark web and ever since several attempts to view and obtain credit in my name have been made. 
These companies have no permissible or authorized use to view my credit and Experian is compliant in identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Formal Notice of Non-Compliance with the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX Guidelines To Whom It May Concern : I am writing to express my deep dissatisfaction and concern regarding the continued presence of inaccurate negative items and unauthorized soft and hard inquiries on my credit report, despite my previous demands for their removal. Your failure to comply with the guidelines set forth by the Fair Credit Reporting Act ( FCRA ) and the XXXX XXXX reporting standards is unacceptable and demonstrates a blatant disregard for my rights as a consumer. 

As previously communicated, I have identified inaccuracies in my credit report, including but not limited to negative items and unauthorized inquiries. In accordance with the FCRA, I am entitled to a fair and accurate representation of my credit history. Your non-compliance with these regulations has caused significant harm to my credit score and financial reputation. 

Your organization 's failure to rectify these errors after receiving my initial notice and demand for removal raises serious questions about your commitment to consumer protection and compliance with the law. Your inaction has left me with no choice but to consider escalating this matter, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal remedies available under the FCRA. 

I hereby demand immediate action to remove all inaccurate negative items and unauthorized soft and hard inquiries from my credit report. Failure to comply with this demand will result in the initiation of legal proceedings against your organization for violations of the FCRA and any other applicable laws. 

To prevent further harm to my credit standing and reputation, I insist that you undertake the following actions without delay : Conduct a thorough investigation of my credit report to identify and remove all inaccuracies, including negative items and unauthorized inquiries. 
Provide written confirmation of the removal of these items from my credit report as soon as the corrections have been made. 
I urge you to take this matter seriously and prioritize the correction of my credit report to avoid further escalation. I expect a prompt response and action on your part to resolve this issue and restore the integrity of your credit reporting processes. 

Should your organization continue to disregard my rights under the FCRA and XXXX XXXX guidelines, I will not hesitate to pursue all legal avenues available to me, including seeking compensation for damages, statutory damages, punitive damages, and reimbursement of attorney 's fees and court costs. 

I trust that you will treat this matter with the urgency it deserves and take immediate action to rectify the inaccuracies in my credit report. 

Sincerely, XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau ( CFPB )
Product: Mortgage

To The Consumer Protection Bureau. I requested an audit of my mortgage from my lender previously, as I believe my principal & total amount amount owed should be lower than it is currently. Also, my escrow balance is extremely high versus the totals for my expenses. My homeowners insurance. is {$1300.00} & my XXXX. Property Tax annual bill is only XXXX, yet, my current total for escrow is {$4500.00} paid thru XXXX & will possibly go as high as {$8300.00}. My request is they be required to provide me an audit trail regarding my balance & principal and also identify the cause of such a high yearly escrow. Thank You.
Product: Credit card or prepaid card

I used my SYNCHRONY XXXX XXXX XXXX to pay for the flooring work. When I began the project, the bank assured me that there would be no interest for 18 months, which I have in writing. However, after 12 months, I noticed that my balance had increased by an extra {$3000.00} for interest when I check on XX/XX/2023. I contacted the bank and learned that the interest-free period was only for XXXX months, and there was a mistake in my timing. 

I expressed my concern that this was unfair, but it took nearly a whole month of discussions with their supervisors to reach a conclusion. Unfortunately, there was no resolution offered except for the option to contact the flooring company, Floor and More. They informed me that they could extend my promotional date, but it would cost me {$1500.00} for them to do so. This payment was necessary for SYNCHRONY XXXX to extend the promotion on their end. 

I genuinely believe that the bank 's actions were misleading, and I feel like I was taken advantage of. It's important to note that throughout this process, both the supervisors and employees I spoke with were very impolite and unhelpful in their interactions with me.
Product: Credit card

I purchased a pair of sneakers from XXXXXXXX XXXX XXXX XXXX XXXX XXXX and received the wrong size. I then sent the sneakers back and they were delivered per the tracking number. I did not see the refund on my credit card statement, so I opened a dispute with Citi Bank ( my CC provider ). 

About a week later I saw the refund pending on my account, so I cancelled the dispute. A day later the pending credit disappeared. Now Citi is telling me there is nothing they can do since the dispute was cancelled. It was only cancelled because I saw the credit pending back on my account. 

I have asked the merchant for proof of the return and have yet to receive a response. The communication before that they told me to resolve with my bank.
Product: Debt collection

I received an alert of my credit being negatively impacted by an entry made by XXXX XXXX XXXX in the amount of {$1400.00} on XXXX XXXX. I have NEVER received anything in writing from this company to show that I owe them nor have I received any notice showing that I have the right to dispute. When I looked up this company in your database, a suggested name came up of Midwest Recovery Systems. Once again, I have NEVER received ANY letter from said company either. 

Furthermore, I do n't have any contracts with XXXX XXXX XXXX nor Midwest Recovery Systems nor XXXX XXXX XXXX XXXXXXXX. 

It is not now, nor has it ever been my intention to avoid paying any obligation that I lawfully owe.