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

I sent a certified letter out on XX/XX/2023, to Experian and it was received on XX/XX/2023signed by XXXX XXXX at XXXX XXXX- tracking # XXXX XXXX XXXX XXXX XXXX XXXX. On XX/XX/2023, I received notification that my disputes were complete and found accurate. This makes no sense because the open dates are inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is ground for removal. 

In my original letter, I asked Experian specifically to provide pictures, receipts, dates, times, and Bonafide witnesses who can attest to these accounts being mine. I also provided an FTC report along with a police report that was rejected for the 2nd time this year stating that my filing was believed to be done in error or misrepresented though I included the officer 's telephone number and badge number. A police report can not be falsified, that is against the law. I spoke with supervisor XXXX who admitted that they did not read my letter, nor was it entered into their system. My rights have been violated under 15 U.S.C 1681 Section 604A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I have not given these accounts written permission to furnish these accounts on my reports as well. 

Experian also made false claims to my active credit card companies ( XXXX XXXX XXXX XXXX XXXX  ) and informed them that I was disputing the accounts I have with them as fraud. As a result, my cards were immediately frozen, and I had to be authenticated to have them unfrozen. The XXXX XXXX  card investigator advised me that Experian sent them a 30-page document, however, nothing in that document stated that I was disputing my active credit cards and that Experian had indeed wasted their time and falsified my complaint. The investigator apologized to me for the error and provided their contact number at XXXX extension XXXX. Needless to say, my credit cards were then thankfully unfrozen. 

Because of this, I am led to believe that Experian picks and chooses what they want to address and addresses matters falsely and carelessly. In my letter, I made it very clear which accounts were fraud and also marked them on the FTC report and provided my social security number, lease agreement and utility bills outlining my physical address. 

There is no reason for there to have been confusion. Experian has continued to report the fraud address on my profile of XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX. I am demanding Experian to remove these accounts immediately : XXXX XXXX XXXX for {$11000.00} Account # : XXXX XXXX XXXX XXXX for {$2200.00} Account # : XXXX and an inquiry from XXXX  XXXX on XX/XX/2023.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Equifax has account that should not appear on my credit file
Product: Checking or savings account

This is in reference to case # XXXX, You closed my case without any resolution or follow-up and you need to reopen it and advise what action has it is being been taken against Citizens Bank who severely XXXX XXXX me by refusing to allow me to access my account out of malicious retaliation.
Product: Credit card

I have been a victim of identity theft, and the issue is that multiple fraudulent accounts were opened without my consent and authorization. As a matter of fact, for a very long time, I was unaware that these fraudulent accounts were reported on my credit report. After being notified about this issue, I contacted the credit bureaus and the creditors, including DISCOVER BANK. I informed them that I'd been an identity theft victim. DISCOVER BANK opened an account using my social security and personal information without my permission, and they needed to stop doing that. I told them DISCOVER BANK used my personal information without my consent ; they opened an account without my permission and required me to control and delete the bill because it was a FRAUDULENT account. I spoke with DISCOVER BANK 's fraud team and consumer affairs and with many supervisors, investigators, and executive fraud team members. They all try to deflect the fundamental issue of removing and disputing this account, and they want to blame me. The bill currently has an outstanding balance of {$1100.00}. However, I have told them I never opened the report, was never involved with this account, nor conducted any business with DISCOVER BANK. I do not use credit cards in general. DISCOVER BANK is violating my rights and reporting a fraudulent and derogatory account that does not belong to my credit report. I have been a victim of identity theft, and the history that DISCOVER BANK furnished was given to an identity thief, not me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I will be filing an identity theft report against XXXX. They logged into my account and falsified documents, fraudulently signed documents under my name and when I try to change the password on my account I do not receive the email with the reset link. I have to " select try another way ''. Since the time of my first complaint of fraud XXXX has taken steps to conceal information and I receive a 404 error message when I click the link to view the document they fraudulently claim I signed. My account does not look the same. They have deleted information from my report in which XXXX was accurately reporting and have failed to remove their own inaccurate accounts they are reporting on my credit report. The system also indicates the fraudulent document XXXX alleges I signed, was created manually. Furthermore, XXXX claims to have a promissory note signed by me, if this is true attached to the last page would be the electronic history of the document which I am also requesting. XXXX IS FRAUDULENTLY ACCESSING MY STUDENT AID ACCOUNT AS A STUDENT AND NOT A LOAN SERVICER. Lawsuit to follow.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fifth Third Bank sent a final statement in the amount of {$1200.00} with a due date of XX/XX/22. I was unprepared to pay the amount, as my normal payment is {$350.00}. However, I received a deferment due to COVID-19 hardship and was informed that the final payment was higher because it included those XXXX months rather than the number of months being extended as I initially thought when I requested the deferment. Given the surprise increased payment, I could only afford to make my normal payment that month ( XXXX ). The remainder amount ( {$860.00} ) was paid on XX/XX/22, which was a Sunday. Unfortunately, Fifth Third Banks payment cutoff time is XXXX XXXX Monday-Friday ; therefore, they do not process payments on the weekend, which is when the due date would have been for being considered 30 days late. The following Monday ( XXXX ) was also XXXX XXXX and Fifth Third Bank does not process payments on holidays. Therefore, the payment was not processed and posted until the XXXX. Given that Fifth Third Bank offers no method for receiving/processing payment on weekends ( which would have been the due date for being considered 30 days late ) and given that they were also closed the following Monday for payment receipt/processing, I do not believe that my payment should be considered 30 days late for any purpose, including credit reporting purposes. According to Regulation Z, Part 1026, the creditor may generally not treat a payment received the next business day as late for any purpose when the creditor does not receive or accept payments on the due date.
Product: Debt collection

On my credit report it's saying XXXX XXXX  with wrong amount and wrong dates received letter today saying milestone owes my closed flex shopper which XXXX took off my report received letter from emergent saying they own it wrong amount and date how can 3 companies claim on the same debt
Product: Credit reporting, credit repair services, or other personal consumer reports

My TransUnion credit bureau was pulled by  XXXX   XXXX  on  X/XX/2014   . I do not recognize this company and have been the victim of identity theft. I asked they provide a copy of my drivers license to prove it was me requesting credit to which they refused to provide.
Product: Credit card or prepaid card

On XX/XX/XXXX a credit card was opened in my name, With XXXX XXXX.That I had no idea that it was on my credit report, this account was opened for 2 years until the payment stopped until I went to purchase a home and was required to go to credit counseling for unresolved issues.This is when the matter comes up in XXXX of XXXX, advised by the credit counselor of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX told us to get a copy of the judgement that went to court in XXXX of XXXX! upon getting the info and contacting Jacob Law Group, I filed a police report and faxed it over to them and they are going to proceed with the garnishment back as stated from XX/XX/XXXX!! My credit advisor advised me that the statue of limitations is 3 years in Mississippi and that they could not garnish his wages.and I was advised to contact to you for solutions.I tried to pay the debt as well, so that I can proceed in my home purchase and try to retain a lawyer later if wrong doings or involve, but Jacob Law Representative said they could not provide proof of the payment until 30 after being paid.Balance of credit card statement is XXXX.
Product: Credit reporting or other personal consumer reports

This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX Account NumberXXXX Date opened XXXX XXXX for the amount of {$6500.00}
Product: Prepaid card

American Express gift card is a scam even the customer service. I have a gift card worth {$50.00} and it doesnt work anywhere online or in-store. Even paypal or apple pay wont accept the card. Its basically useless. 

Ive called customer service for a gift card replacement last XX/XX/year> and the guy said he cancelled my card after I provided my card number, and will send a new one via mail. I asked for a tracking number or at least the new card number and he said he cant give out those information which I found odd. I had my doubts since then and true enough the replacement card never arrived. 

I decided to follow up this XX/XX/year> and complain about the card that never arrived, only to have the same solution and nothing else, send the replacement card via mail. When I provided my shipping address the girl that I spoke with told me it will arrive within 7-10 business days and wanted to end the call right then. I stopped her, told her to repeat my address to make sure its correct and will arrive this time. Guess what, she then asked for my first and last name. How the XXXX can you send out a package to someone if you dont have the first and last name of the receiver?? she also asked me to repeat my address. what an absolute joke!! it seems they never plan to send a replacement card in the first place and its a scam!! its already XX/XX/year> and beyond 10 days, THE REPLACEMENT CARD NEVER ARRIVED FOR THE SECOND TIME! 

I want to raise awareness that American Express has been giving customers a hard time to use their gift card as well as failing to provide a decent customer service to its customers. The customer service that they have is outsourced from another country and is basically no help at all, seems like a scam too. If there is an on-going lawsuit about this customers should know to file a claim against American Express XXXX they are only deceiving people.
Product: Credit card

XX/XX/year> I completed credit card application with laptop and the webpage malfunctioned. It appeared approved but another 3rd party took page and printed a denial thing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would advise you that the company 's actions in refusing to correct the violations and inaccuracies on your credit report, and then subsequently changing the information that was reported, may be in violation of several provisions of the Fair Credit Reporting Act ( FCRA ).

First, under section 611 of the FCRA, credit reporting agencies ( CRAs ) have an obligation to investigate disputes submitted by consumers and to correct any inaccurate or incomplete information that is discovered as a result of the investigation. By refusing to correct the inaccuracies on your credit report, the company may be in violation of this provision.

Additionally, under section 616 of the FCRA, CRAs are required to maintain reasonable procedures to ensure the maximum possible accuracy of the information in a consumer 's credit report. By changing the information on your credit report without conducting an investigation or without providing notice to you, the company may be in violation of this provision.

Furthermore, under section 615 ( a ) of the FCRA, CRAs are required to provide consumers with a notice of their rights under the FCRA upon request, including the right to dispute inaccurate or incomplete information in a credit report and the right to receive a copy of the credit report. By not providing you with such a notice, the company may be in violation of this provision.

refer to the picture that BEFORE and after our conversation.
Product: Mortgage

Re ; loan # XXXX Over the past years Nation Star assumed servicing of my home mortgage from XXXX ( XXXX ), who assumed it from XXXX XXXX XXXX XXXX XXXX XXXX, who assumed it from XXXX who was the original bank on XXXX/XXXX/XXXX. XXXX invited me to a loan mod out reach event in XXXX RI years ago when they serviced loan in which they identified mine as " preditory '' however were unable to help me after it was determined the " investors '' didnt participate in a program of relief for my product ...??? 
Over the years since XXXX no servicer has honored my adjustable rate rider terms which was to drop my rate annualy & calculated an inflated arrears amt since I fell behind in XXXX that year. This inflated balance has also effected numerous in house loan mod denials as it throws off ratios. Last month Nation Star falsely claimed {$350000.00} amount in arrears on my loan mortgage ( if determined to be valid ) is incorrect. At time I fell behind in XXXX XXXX my principal was around $ XXXX & now I 'm informed its $ XXXX along with this additional $ XXXX in arrears! 
In past servicers such as XXXX & your own co. had indicated the wrong interest rate at 6.75 % beyond XXXX XXXX. My rate was to be fixed for 5 years per my adjustable rate rider originally signed with XXXX. Effective XXXX XXXX it was to have adjusted to 3.75 %, 2.875 % on XXXX XXXX, 2.75 % XXXX XXXX, & 3 % XXXX XXXX. Bank XXXX acknowledged the XXXX rate adjustment in XXXX prior to XXXX servicing the loan. Sls had acknowledged the rate however it was not consistently correct on statements nor in calculations as with your co. Although they now finally indicate the correct rate is being applied currently ; I retained a CPA who can not substantiate a past even less recent aggregate amount. In the past I had an Attorney, a CPA, & myself requested a review of this matter as well as a corrected amortization schedule. I no longer can afford to pay an attorney & CPA to make sense of the aggregate as its a waste of time & the Bank is unable to provide adequate info nor substantiate past inflated amounts. 
Ive requested they rectify this issue & recalculate this aggregate as well as provide an amortization otherwise I 'm trying to secure a loan mod on an inflated erroneous amount. In past I 've been denied numerous loan mods for for reasons related to insufficient income or not enough disposable income ; which this inflated aggregate is effecting the ratios on. I was most recently denied a few days ago & once again am facing foreclosure. Please Help me & my family. " Thank You ''
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. I was informed 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 have 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: Mortgage

Called the lender number several times and waited on hold for well over an hour. You can't get anyone on the phone. 

The lender reported a late payment incorrectly, which resulted in a 50 point drop in my credit score. I have never had payment issues. The credit drop will cost me on a current refinance. 

My mortgage is with Citizens One. 

Please advise! 

Thank you,
Product: Student loan

The news reported that Biden was considering forgiving XXXX in student loan debt, literally after the story hits the news, OSLA puts false information on my credit report as if some one is running up a bill in my name. Photo is attached of what my credit showed that they posted TODAY.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I paid a settlement amount of {$670.00} to XXXX  XXXX XXXX for the debt amount of {$840.00} accrued with State Farm Bank. XXXX  XXXX XXXX told me State Farm Bank is responsible for reporting to the credit bureau. I have filed multiple disputes with XXXX  that have included an attachment of the settled account letter from XXXX  XXXX XXXX. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/2020. The account still remains. I have tried getting a hold of the right people with State Farm Bank that can help me. I was always Transferred to someone who could not help me or transferred to XXXX XXXX XXXX  which tells me my account has been settled and it is State Farm Bank who is reporting the information. On XX/XX/2020, I finally got some kind of answer from an employee of State Farm Bank. I was told the paid account would be reflected on the next credit cycle XX/XX/2020 based on information gathered from XX/XX/2020. This account was paid on XX/XX/2020. It should already be on my credit report as paid. Instead the company has continued to report derogatory remarks for the month of XXXX stating that I have a {$160.00} balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

15USC 1681Section 602 states that 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Debt collection

earlier this year I was impacted by COVID. I paid and settled one account with XXXX XXXX, and told them the maximum amount I could pay to settle the other was between {$200.00} and {$300.00}, the entire amount in my savings account at the time, as I had just received what was my final paycheck from the job I was let go from due to COVID. I was told they simply could not do that on the phone and online when I inquired, and that there were no other options for me. I can not afford the entire balance on any of their " convenient payment plans. '' Since then, they have threatened a lawsuit, serving papers, etc. I find these threats both inappropriate and poor business practice since I chose first to reach out to this business and settle with them, and have settled another account with them. As I know collectors purchase debt for pennies on the dollar, I know they CAN help me, and are choosing to threaten me instead, which is an unfair tactic, and also harassment. I receive calls multiple times a day, all hours of the day, which impacts my work, as I am finishing a XXXX degree, entirely on a XXXX I wrote for, because I couldn't afford school, so I won't be IN these situations. Further, legal action could jeopardize my licensure, which is intentional, since I told this to the representative on the phone, as I was desperately begging to settle and make good on the debt as best I can given my situation.
Product: Credit reporting or other personal consumer reports

on XX/XX/2023 I sent a dispute to trasnunion regarding some collection accounts that i had questions about. I dont believe such accounts belong to me and they have yet to respond to my request.
Product: Student loan

I went thru a bankruptcy and these loans were discharged and they have never stopped billing and collecting from me. This has been a hardship financially for me for YEARS. Please talk to the PHEAA for me and have them honor the bankruptcy from 2007!!
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report. 
XXXX XXXX XXXX  XXXX BALANCED {$31000.00} XXXX XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXX XXXX XXXX {$520.00}