23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I am reaching out to firmly express my concerns regarding Zelle 's handling of disputes, especially in light of the recent CFPB lawsuit, which has brought to light serious issues with the platform. Despite numerous transactions through Zelle and my repeated reports of discrepancies, both my financial institution and Zelle have failed to conduct a proper investigation into my claims. I was informed that recovering lost funds is impossible and that tracking these transactions is unworkable. The findings from the CFPB indicate that Zelle has not only neglected consumer protections but has allowed repeat offenders to take advantage of the system, leaving users exposed to scams. This blatant lack of accountability and transparency is unacceptable and raises significant alarms about consumer safety.
Product: Credit reporting or other personal consumer reports

Hi I have unauthorized credit inquiries on all three buearu 's. I didn't not authorize the credit inquiries. Please remove the credit inquiries. 
Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX University ( XXXX XXXX XXXX ) suddenly appeared on my credit report for a loan with derogatory information that is identical to accurate information from the Dept of Education. I have attempted to contact them but the Office is always closed or I only get voicemail. This is over XXXX XXXX XXXX this is the first time I have ever seen this appear. I have never received a bill or statement from the university for this debt, I have never been billed or made aware of it in any fashion. I have never taken out a loan directly with the university. This information is incorrect, invalid, and unfounded my credit score took over a XXXX point drop with this bad information while I am trying to purchase a home.
Product: Credit reporting or other personal consumer reports

I have been disputing incorrect fraud related information for almost a year. Sent I. The ftc reports and told them I wanted the information blocked and removed they will not remove it and it has now been over 35 days and I have heard nothing since I sent the last letters which would be 6 letters of dispute and 100 online disputes and 3 phone disputes
Product: Credit reporting or other personal consumer reports

This marks my third submission of a complaint through CFPB concerning the remaining fraudulent items in my XXXX and TransUnion Credit Reports, as well as the unattended fraudulent items by the XXXX Credit Bureau. Due to these issues, I kindly request the Consumer Financial Protection Bureau ( CFPB ) to assist me in ensuring the resolution of these fraudulent items, particularly the inquiry issue on my XXXX Credit Report. Here 's a list of the fraudulent items I need to have removed : XXXX : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX : XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION : XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX : {$0.00} XXXX 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

XXXX  XXXX XXXX I made a mobile deposit of {$4000.00} into my wifes and I  savings account. I was notified that there was a hold placed on the account until XXXX. On XXXX I was then notified that the savings account had been restricted due to it being suspicious, irregular, fraudulent, unauthorized or unlawful. I then called and was told to visit a branch. I spoke with the branch and was told to sit tight and it should be resolved on its own, like a deposit hold, the fraud dept restricts the account. The branch did nothing further. I also verified that the check cleared from the bank. I believe Regions is accusing me of fraud and wont let me access my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Two finance companies XXXX XXXX and XXXX XXXX keep reporting my account as charged off and unpaid. When I file a complaint then it is changed back to charge off paid in most cases. This has been ongoing since XX/XX/XXXX. 

My dispute dates with Equifax are as follows : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Debt collection

This bill came from XXXX XXXX XXXX. Nationwide Recovery Systems never sent nothing to my house.I would like for this debt off my credit report for failure to send notice. I don't know the account number and there age of this account. I would like a full debt validation.
Product: Credit card or prepaid card

Simmons Bank Decreased the Credit limit on visa Credit cards of hurricane evacuation victims.
Product: Credit card or prepaid card

I am XXXX XXXX and Im submitting the complaint myself and there is no third party involved. 

I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan, was denied my right of credit ( an increase in my credit line ) by CAPITAL ONE BANK d/b/a CAPITAL ONE. I was notified of this transgression of my rights, specifically 15 USC 1601- The Truth in Lending Act by CAPITAL ONE BANK d/b/a CAPITAL ONE on several occasions ; XX/XX/2021, XX/XX/2021, and XX/XX/2021 via email and notification through my Capital One mobile app. According to 15 USC 1602 definitions of The Truth in Lending Act, I as a natural person possessing an open-end credit plan was harmed by CAPITAL ONE BANK d/b/a CAPITAL ONE adverse action taken against me denying my rights, of which the civil damages pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( iii ) are up to ( {$5000.00} ). CAPITAL ONE BANK d/b/a CAPITAL ONE is now civilly liable to pay me for the damages.
Product: Checking or savings account

XXXX was sent to the wrong person but I couldn't get the money back. When I requested assistance my account was limited instead of assisted. After checking my account, there were funds that were XXXX  without my knowledge & my money was not returned. 
Please assist with the recovery of my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to get my free annual credit report from XXXX. XXXX worked. However, Experian and XXXX do not honor my request even if I am answering the questions correctly. I have called their number many times but was never able to get through to a real person and the automated system was not able to identify me. I have also gone to their website directly to order my free report and that did not work as well. Also, given XXXX is a breached, insecure and unethical entity I hesitate to mail them a copy of my SSN and driver 's license etc. I have locked my credit with all three credit bureaus. I am merely interested in getting my free credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX Account that is listed on my credit report was deleted and appeared again. This account was unauthorized and was removed from my credit file around XX/XX/XXXX. This account has reappeared again and is damaging my credit file. Please delete this fraudulent account immediately as this was not authorized by me. Attached below are documents that support my dispute in reference to all of my personal being compromised from XX/XX/XXXX- XX/XX/XXXX on the black web, sold to creditors and also was found in several data breaches. XXXX XXXX and XXXX XXXX are two account that were not authorized by me and I am requesting for deletion. Please check the history and past deletion of both account on the approximate date above. These two accounts were previously deleted and has reappeared.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at XXXX  is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureau to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX XXXX ******* XXXX Date Opened : XX/XX/19 Balance : {$17000.00}
Product: Debt collection

Equifax has not responded to my letter about four fraudulent accounts. These are not my accounts nor did I consent or authorize them. Also, according to the ) 1681 ( b ) ( 2 ) nothing can be furnished on the consumer report without the written instructions of the consumer. 
XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting 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 Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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: Debt collection

I am 7 days late on a payment to Comenity Bank and they have called me multiple times today, Friday XX/XX/XXXX. They called at XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. They are relentless.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Reliant Capital Solutions to negotiate a debt. I attended XXXX XXXX XXXX during XXXX and dropped a class within the drop period. XXXX billed me for the class anyway. I dropped the class over the phone so I can not provide proof that I was within the approved time frame. I disagree with this debt entirely, but I was denied for a business loan because of this collection account. Reliant Capital Solutions agreed to accept {$1900.00} to pay for delete from my credit report. I've filed several disputes to have this account updated to paid and removed as a collection account. All three bureaus have denied my requests saying that Reliant Capital is reporting this account as unpaid.
Product: Credit reporting

XXXX ca n't provide my Experian free annual credit report on-line. No reason is given ; no fix time-frame is provided. There site lets me send them a complaint but it does not ask for my email, so there is not way for them to respond on a timely basis.
Product: Credit reporting or other personal consumer reports

XXXX is a company that is here to " help '' build credit however they are falsely reporting late payments on the following account # XXXX. Pursuant to XXXX U.S. Code 1681s-2 this company has reason to believe that they are reporting inaccurately because the truth in lending act states that a creditor may NOT treat any payments as late. 15 U.S. Code 1666b. Additionally, to verify that those " late payments '' are true, I am requesting that this company sends me all accounting records pertaining to this account. If they can not provide it, I demand that this company updates my consumer report to reflect PAANL status which is " Paid As Agreed Never Late ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX are reporting an inaccurate account. The account XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX is being reported incorrectly and I have also tried to fix this to the point of no avail. Since it has been well over 35 days since my handwritten dispute letter, I am now reporting this inaccuracy to the CFPB and XXXX with proof of error. Attached is the document showing that the collection account was opened in XX/XX/2020, but is reporting XX/XX/2020 which is incorrect. The date last active is also wrong and inconsistent. It is my understanding that consumer reporting agencies are to follow reasonable procedures to ensure maximum possible accuracy of information in consumer reports. 15 U.S.C. 1681e ( b ). I know that this violation can be taken to small claims court, and I will be able to show the inaccurate report and proof that it has caused me to suffer damages. Please see the attached inaccurate report and the documentation showing the different information you are reporting. Remove immediately.
Product: Debt collection

Resurgent Capital Services L.P., LVNV Funding, LLC, and XXXX XXXX XXXX XXXXXXXX. are violating a standing cease and desist order. All three companies continue to contact me and communicate with me via phone and email.
Product: Mortgage

I am requesting assistance with stopping the foreclosure sale on my property scheduled for XX/XX/2022. My husband died and it is a struggle for me to pay the mortgage. There is a buyer that wants to purchase my property. My real estate agent and I have contacted the mortgage company ( Freedom Mortgage ) and submitted ALL the documents they requested for a short sale. We were informed that there was enough time to review the short sale. 

On XX/XX/2022 my real estate agent did a follow up phone call with Freedom Mortgage. After submitting all the short sale documents, they are now saying there is not enough time to review the short sale due to the scheduled foreclosure sale of XX/XX/2022.
Product: Student loan

On  XXXX   XXXX ,  2017  - I received notice from  XXXX  that  my IBR re newal had been processed ( based on the IRS online tool I use every year ) and that I owed {$0.00} a month, despite my income increasing by 30 %. I called them and apparently the IRS had reported my taxable income as  XXXX . They forwarded me paperwork immediately and I faxed it to them on  XXXX   XXXX . It was processed on  XXXX   XXXX , correctly, e xactly two  weeks later. My experience with them was simple and excellent.     I also faxed my informatio n to Navient t hat same day,  XXXX   XXXX ,  2017 , as I assumed the same thing happened with them. I called them and they confirmed that they had recieved my paperwork and were processing it. On  XXXX   XXXX     2017  I recieved a notice that my new payments for the year were again  XXXX . I contacted them via chat and they claimed they never received my faxed paperwork, but if I uploaded it today it would be processed wit hin 5-10 minutes. I called 20 minutes after uploading my information and they claimed they had received it, but that it would take more than 2 weeks to   process.     I am deeply concerned that this will affect my Forgiveness program or set me up for legal action later taking the blame for a mistake th  at Navient made. Given the recent lawsuit, this sounds pretty typical on their behalf. I 'm also concerned that this has happened to other borrowers who submitted their paperwork and simply relieved at the lower payments, and never thought to check further, putting their trust in Navient.
I still do not have my problem resolved, so I wanted a record of the situation submitted to the government.
Product: Mortgage

I applied for a mortgage refi. With ROYAL UNITED MORTGAGE. We are currently in a adjustable rate mortgage. And wanted to refinance to get locked in. My credit score is a XXXX my income is over 100,000. we have about {$90000.00} of equity in our home. However I was steered into applying for an FHA loan. I paid {$500.00} for a home appraisal FHA.My wife happened to look over this loan application and realized that we qualify for a conventional loan, and paying almost 11,000 for points. We feel we were pushed into this loan so they could reap more monetary benefit from the government loan. Also I consider this predatory lending. If my wife did n't look into this loan it would 've cost us thousands of dollars and years to even get back the money that we put into it.The fees were astronomical, they were charging us for almost 3 1/2 points.
Product: Credit reporting or other personal consumer reports

Ive attempted to contact Sezzle on the XXXX of XX/XX/2024, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I seen that there were many fees added to payments making it hard for me to have them up to date. For example, a {$19.00} biweekly payment was {$45.00} eventually with all the fees accumulated. I contacted customer service to talk to get in contact with a supervisor. I was told on XX/XX/XXXX that I would be getting a call back from a supervisor. I was not given a call back. I kept calling back to follow up and I received apologies but no call back. The loans were so small that I would think I would get some grace. This company has lied to me and charged me multiple fees. I reviewed my credit report today and found that my account was reported as 30 days late for XXXX on today, XX/XX/2024. This is an installment loan that I never gave permission to report. I just found out about Sezzle Up. I never gave this company permission to report this personal business matter with the credit bureaus. Sezzle XXXX XXXX XXXX  was never given permission to report my account. Is there something that I signed to give them permission? I did not give the company permission to report anything with the 3 credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a police report and affidavit and mailed it to the credit bureaus and the creditor XXXX. XXXX stated they told the credit bureaus it was fraudulent, but Experian and XXXX refuse to correct the issue. Experian keeps changing my information in their system without my permission. I gave them my address and phone number. I had the police and discover call with me, but Experian kept hanging up the phone on us. I want my correct name, address, and phone number on my file and the fraudulent accounts from XXXX XXXX XXXX and XXXX removed. They have wrong employers listed form me that I want removed as well. This is how my identity has been stolen 12 times in the last 20 years through Experian. 

My correct address is XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX My name is XXXX XXXX My phone number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with XXXX XXXX XXXX. ( account number XXXX ) I paid it on time and paid it out this month. I also was cosigned on another XXXX account that was charged off. ( account number XXXX ). XXXX has mistakenly placed the " charged off status on the current account ( ending in XXXX ) that was from the latter account ( ending in XXXX ). 

To prove this I have provided a copy of my credit file from XX/XX/XXXX where I circled the 30/60/90 days late indicator showing " XXXX '' in all of those fields ... .and that reported to the credit bureaus on XX/XX/XXXX. 

I then provided a copy of the files from TWO MONTHS LATER that now showed " 25 times 90 days late '' and was reported in XX/XX/XXXX. Now this account could not have gone 25 times 90 days late IN JUST TWO MONTHS. 

This is a clear violation of my rights under the Fair Credit Reporting Act.
Product: Mortgage

I do have mortgage with Caliber Home Loans for almost 2 years now. My current interest rate is XXXX XXXX. I was on covid 19 forebearance programme with Caliber home loans until XX/XX/2020 and Iam current on my payments, I requested caliber home loans to remove me from from the covid 19 forebearance programme accordingly they removed me in XX/XX/2020, but my report shows me that Iam still in the forebearance plan, I contacted Caliber Home Loans several times to report to the credit buereaus about my current status. Now Iam trying to refinance my house at lower interest rate but becuase my credit shows that Iam still on covid19 forebearance programme I can not refinance my house
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX. The current status should not be showing late because I paid it on time XXXX, Equifax and XXXX Credit Reporting Agencies lacks proper record keeping. The account is closed and when I requested records to prove theyre reporting is erroneously they have failed to provide me with any evidence.. Lets correct this immediately. The Bureaus are required to verify for them, but they failed to neither verify nor update me about these complaints. Provide documentation that the Bureau has not abrogated my rights by reporting false information, otherwise remove these accounts immediately. REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX  XXXX XXXX Open Date XX/XX/2017 XXXX : {$380000.00}
Product: Checking or savings account

On XX/XX/XXXX, I tried to deposit my money amount of {$10000.00} which my mom gave me as a lawyer fee. And I depoted it by using a ATM machine because all Chase bank was closed due to the holiday hours. 
My mom and myself counted the money amount twice and we were sure it was exact {$10000.00} but the ATM deposited only {$7600.00}. So, I called the Chase bank and requested to resolved problem, and they gave me a temporary {$2400.00}. 
However, today, XX/XX/XXXX, they withdrew {$1900.00} from my account without any additional description, only short note left saying due to ATM error. 
I sincerely hope you can investigate the problem and resolve the problem.