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

On XX/XX/XXXX @ XXXX XXXX, I connected ( due to their call-back feature ) with " XXXX ''. I wanted to know why my credit score on XXXX dropped 41 pts on XX/XX/XXXX for no apparent reason. She just kept repeating it's the algorithms and unless I can give HER the reason something changed she couldn't help me. She told me I had to get a copy of my credit report, but that wouldn't tell me my score and I would have to pay for the actual score. I had noticed the drop because of XXXX XXXX, which shows consumers the scores of Equifax and XXXX, therefore, I did not have an actual credit report or an " official '' ( according to XXXX ) XXXX score ( even though it's EXACTLY THE SAME as it turns out ). I tried doing the FreeAnnualCreditReport thing and couldn't get the XXXX report ( I did retrieve it long after I had hung up with her, but it didn't help at the time ). She also refused to assist me with an alternative way to get the report without having to sign up for XXXX monitoring for a monthly fee. So I'm stuck. I still don't know why my score dropped or how this " algorithm '' works in deciding to lower it by such a huge amount. I have worked extremely hard over the past 7 years to get my scores back up from a horrible place and have done a XXXX good job of it just to have some random agency with random algorithms knock me back down for doing nothing but a good job. The ONLY thing I could see is that one of my VERY old ( aged out due to 7 year rule ) accounts was removed from my report and I can not see why that would or should have a negative effect. If it does, shame on anyone in government who allows this to happen. It also happened with my Equifax report, but after the experience with XXXX, I didn't even bother to call or contact them directly ( BTW, this was a 23 pt drop ). So I went from having VERY GOOD credit scores to " Fair '' at XXXX and " Good '' at Equifax. Heartbreaking.
Product: Credit card or prepaid card

I opened my account with Chase on XX/XX/XXXX. 
My account was in good standing and paid on time. XXXX credit report attached. 

Chase billed me for {$81.00} for the annual account fee. Statement showing due XX/XX/XXXX attached. 
{$81.00} Bill paid on XX/XX/XXXX Chase closed the account on XX/XX/XXXX. XXXX and XXXX statements attached showing $ XXXX balance. 

I called them in what I believe was early XXXX after having received a check from Chase for {$81.00}. They told me to cash the check and fax a written reply to request reopening of the account to their Correspondence Team at XXXX. 

I deposited the {$81.00} check in my checking account as instructed in approximately XX/XX/XXXX. 
Having noticed that my account still showed closed, on XX/XX/XXXX, I requested automatic bill pay in the amount of {$81.00} to Chase. Chase did not accept payment, see XXXX XXXX  payment history attached. 

On XX/XX/XXXX, I faxed the Correspondence Team to request reopening my account and notified them of incoming {$81.00} on XX/XX/XXXX. 

After seeing that the status of my account was still closed after the XX/XX/XXXX request, I forwarded the same XX/XX/XXXX request again through their secure correspondence message system on XX/XX/XXXX. 

They notified me in writing on XX/XX/XXXX through their messaging system that they would not reopen my account. 

Account remains closed effective today XX/XX/XXXX.
Product: Mortgage

I purchased a condo and less than  one  and a half years later  my 30-year FIX ED rate mortgage payment has increased {$370.00} a mon th ( or 14 % ) due to erro rs. The dispute and follow up has been ongoing since  XXXX  and my fourth increase in just  five  months is set to occur in  XXXX .     Each time I have noted an error and voiced a concern, I receive an acknowledgement an error occurred and my account will be fixed / credited, and then my mortgage payments INCREASE.     All errors made with my escrow account ( that I know of to date ) have now been credited but my mortgage payment remains at the exasperated amount.     I have discontinued auto-payments and will send the original amount that I 'm meant to pay, as these errors should not result in a significant financial hardship for me and my family.   
Please see attached for the letter I most recently sent Ocwen and all the support I provide as well - and cross referenced for ease of use - for them to fix the error. Happy to provide evidence of my attempts to resolve as well as the inaccurate letters and statements I received from Ocwen thus fa  r.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX BANK ACOOUNT # XXXX, XXXX XXXX XXXX ACCOUNT # XXXX, AND XXXX XXXX XXXX ACCOUNT # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, XXXX fcra violation and XXXX for not looking at the obviously mistake dropping my score under the required min to get approved
Product: Checking or savings account

A teller from the XXXX texas branch gave out a temperory credit card with my personal account numbers for my business on them. ( XX/XX/1922 ) i notified the office there when i was notified by the Pennsylvania branch that activied my account atm withdraws were happing in Texas with them knowing iam in XXXX at the time and just left office days earlier in PA as were were discussing business.i have filed complaints on the account. The teller who isssued my personal account numbers to a card without any knowledge cost my account XXXX and several overdrafts and i was forced to withdrawl all my money except a few XXXX because of fear it would be taken.i would never give anyone access to my personal account for my business and i had a balance at the time of XXXX a simple mistake by that teller giving out the wrong routing number and not making the complints to make it right and accepting resonbilbility has cost me money time and countless phonecalls to the instituation and staff of the bank.iam a publisher with SESACand have been with the bank for years. i think i should be able to trust they can make the right decision with my money. 
thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to fix errors on my credit reports, and the companies have not been helpful. I have inquires that date back XXXX, XXXX XXXX that I have no knowledge of! I have requested help and even reached out to the creditors no help or any updates. 

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 There are also collections on my account the can not validate any information the credit companies XXXX XXXX and XXXX has not helped me with these matters XXXX XXXX XXXX {$2700.00} XXXX XXXX {$760.00} XXXX XXXX XXXX {$550.00} LVNV FUNDING {$490.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX Date of Birth : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT Attn CFO : Attn. Chief Compliance Officer Account # XXXX To Whom It May Concern : I recently received a copy of my XXXX, XXXX and TransUnion consumer report, and I noticed some late payments furnished on my consumer report : List of the accounts with late payments along with their account numbers. 

XXXX OPEN LATE PAYEMENTS XXXX CLOSED ACCOUNT LATE PAYMENTS Late payment status reporting inaccurately Update this non metro two compliant account to paid as agreed because the Date Last Active : XXXXXXXX XXXX XXXXXXXX Transunion XXXX XXXX reporting inaccurately and inconsistently with all three consumer reporting agencies.
Product: Credit reporting or other personal consumer reports

Company is in violation of USC 1605. Company continues to furnish false information on my report. Company is also in direct violation of USC 1681. 

Account # XXXX
Product: Debt collection

XXXX XXXX is reporting negative information on my credit file. I’ve requested validation multiple times and they have failed to provide this information. The account was previously sold to XXXX XXXX XXXX. They have ceased all collections and removed the collection account from my credit file. I’m addition I received notification from XXXX XXXX   and equifax that the XXXX XXXX account had been removed from my credit reports. As of today it is still reporting negatively. I am requesting for the account to be removed immediately.
Product: Debt collection

This company is reporting that there is a balance owed. According to XXXX there is a XXXX balance but this collection agency is stating that there is amount owed. We paid XXXX {$220.00} about two weeks ago and was informed by over 10 reps that the remainder of the balance will not removed. Well the collection agency only removed the {$220.00} and not the full payment. I spoke with a manager by the name of XXXX at XXXX and informed me that we do not have a balance. The {$230.00} that is left on the account need to mimic what XXXX system has. The services have been disconnected as paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

It's been a rough Year for me. I'm Ready to purchase Property for me and my kids, so I decided to check my credit..

I cant Believe that I became a victim of Identity Theft. I work very Hard to maintain my credit for me, and my Kids Future.

How Can someone destroy My credit ... this is not Fair nor is this right, I did not give any Consent to these fraudulent Account. this was not authorize by me. I want these Accounts blocked and Removed from my credit thank you
Product: Debt collection

I received a Perkins Loan from XXXX University in Spring XX/XX/XXXX. I graduated in XX/XX/XXXX and believed that I completed all of my student loan exit interviews. I subsequently started making payments on Federal Student loans in XX/XX/XXXX. I did not refinance my student loans. I believed that I was making payments on ALL of my student loans ( income based repayment via monthly auto-payment ), but apparently this was only for my subsidized, unsubsidized, and grad plus loans. I was unaware of a separate company through which the Perkins loan was being managed. Four days ago, I received an alert from my credit monitoring service notifying me of a " 30 days past due '' bill from " XXXX University '' which was reported to XXXX AND XXXX. I graduated from XXXX in XX/XX/XXXX. The amount in the alert was almost identical to the Perkins loan amount I had accepted two years earlier ( plus {$100.00} of late fees ). I called XXXX University Student Account Services, and they stated that I did not owe money to the school, but rather, that this was an issue with Financial Aid and my student loans. I called the Financial Aid office and reached a recording which instructed me to call XXXX XXXX for issues of late payments on student loans. This was my first encounter with this company. I called Heartland and spoke with a representative who verified the following information ; name, telephone number, last four digits of my SSN, school/university attended, and mailing address. Each identifier was correctly recorded in the Heartland system, except for my address. I have n't lived at that address since XX/XX/XXXX. The correct address was on file at XXXX University during the time that I applied for the Perkins loan in XX/XX/XXXX.  I explained this to the Heartland representative. He stated that my repayment requirements began in XX/XX/XXXX and that I was past due on this payment by 30 days AND past due for the XX/XX/XXXX payment. Heartland had not yet reported this additional late bill to the credit bureaus. I asked the representative why I had not been contacted initially in XX/XX/XXXX ( or at any other point in XX/XX/XXXX ), at least by phone ( since the mailing address was incorrect ), and he stated that an agreement between XXXX University and Heartland stated that the Heartland company would not contact XXXX loan recipients until their accounts were 90 days past due. This was because of a fee which would be charged to XXXX by Heartland for contacting loan recipients within that 90 day window. 
But, Heartland was able to notify TWO credit bureaus within 30 days. 
I set up an online account today with Heartland, paid the amount which was owed, and created a monthly auto-payment to prevent future issues, but I still have the missed payment reflected on my credit report. The Heartland representative said that he could not assist me in filing a correction with the credit bureaus.
Product: Debt collection

I bought a garment for {$35.00} from Old Navy store in XX/XX/2019. The cashier made an offer that if I apply for their credit card from Synchrony Bank, I shall get a good discount and I accepted the offer. After many months, I received a statement in mail with a total outstanding amount of {$190.00}. I did not recognize these charges and requested the company to provide me the original purchase details. After many weeks, I got a statement that showed that the amount relates to my original purchase of {$35.00} and the remaining balance is their monthly late fee of {$30.00} per month. I immediately paid the original amount of {$35.00} and called the company to reverse their illegitimate late fee charges. They have not yet done that and have also reported my account to the credit reporting agency as " delinquent ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been using an Apple Card for the past two years. The main reason I started to use the card was to create credit. However, I havent been able to access my credit reports/score. I have continuosly tried to solve the issue with Goldman & Sachs. At first they said since I was only a participant I wasnt getting my credit reported. That I had to opt-in for credit reporting if you are a participant. When I did, they told me the change would reflect on reports in the next few months. It is now more than 6 months after that and I still have no reports for my credit score. I called today and they said that they have no clue why its not credit reporting. This is an issue I have had for 2 years ongoing and still have no information. 2 years of positive credit lines without missing a payment and all for nought. Today the issue was taken to their investigative department to check the situation out. I want to report this issue to see whether it is an issue with the beureaus or with Goldman & Sachs.
Product: Vehicle loan or lease

i purchased a motorcycle through XXXX XXXX XXXX  and they got me approved with a loan from model finance, i was extremely happy, even tho my APR was 21 percent, they did not try very hard there to help me get a lower APR. 2 months go by and on the third month i find out that i already have a late payment as of the XXXX, but for some reason model took the payment out on the XXXX instead of the XXXX. the new finance company ( XXXX XXXX ) will only take out the money on the XXXX. i called them multiple times and i constantly cant figure out how to reach a person, there is no option for it. i have to end up calling a number that had been trying to reach me for the missed payment. after i finally found out my loan was sold and had to go on a wild goose chase because when XXXX XXXX called my they sounded like an XXXX on a scam call asking for me and that they have some business for me, no mention of hey do you have a motorcycle loan. this has caused many problems, I'm not able to buy groceries because i cant get the finance company model finance to move the due date they keep saying they will but never do, after arguing with them over the the phone. i made a due date promise to pay by XX/XX/XXXX, i made the payment on the XXXX because i was supposed to, make it by the XXXX, well westlake financial just charged me again on the XXXX, and i dont want to agru with them anymore this whole finacial loan stuff is absolute XXXX, no regulations just let people like me get XXXX XXXXXXXX XXXX XXXX  XXXX. XXXX for a XXXX loan in apr, america should be ashamed, land of the free? more like land of the XXXX as many people over so i can live in a bigger house.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts appear on my report that I never opened or authorized. The accounts are : XXXX XXXX XXXX XX/XX/XXXX BBY/CBNA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Mortgage

We have an adjustable rate mortgage that is serviced by Wells Fargo, that is owned by XXXX XXXX, that is not eligible for the HARP program. It was sold to XXXX XXXX during the time of the banking industries questionable tactics causing the banking " crisis '' in 2008. While the FED has not increased interest rates and mortgage rates are in fact going down still, Wells Fargo has increased our interest rate. We are not behind in payments but it is difficult to afford this rate increase every 6 months. We have been contacted by loan officers from Wells Fargo stating that they can convert the mortgage, we go through all of the paperwork required, for them to tell us that since they only service the mortgage they can not help us. We have tried this several times with different loan officers at Wells Fargo. We are at least {$45000.00} underwater in our house due to the housing crisis with little hope of the value of our home going up to what our mortgage is. We are not behind on our mortgage, we just want some assistance to get out from this horrible mortgage for a home that will never be worth what we paid or what we can sell it for. We are XXXX and would like to retire in a few years but will not be able to retire while we have this mortgage. We do n't want to have to walk away from our home either, but if retirement is in our future that may be what we have to do. No one at Wells Fargo is willing to assist us with our situation. We have tried to refinance the amount but no lender will give us a mortgage for the amount of our current one since the value of the house is so low. My husband is a veteran and we ca n't even get a VA Loan which he qualifies for because of the value. XXXX is still in bankruptcy and will be forever considering the case is constantly being continued.
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 recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. the CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit card or prepaid card

After extensive review of credit report after a prior divorce from a fudiciary noticed this account, and have/had no clear recognition of this account/transaction or any of the kind or similar by this company or affiliates. I have tried contacting them on several occasions to inform them of XXXX  status of XXXX XXXX and my XXXX XXXX of not being able to manage his/her own finances or contract in accordance with 38 CFR 3.353. After calling their customer service number multiple times and disputing the validity of the account all that would be done is more negative marks on credit report and harassment from the customer service representatives that were doing nothing to assist and only making accusations of false claims of XXXX  status from military service related XXXX and XXXX  related issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Experian about the following negative accounts XXXXXXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$460.00} ), XXXX XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX Balance : {$1100.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$560.00}, original creditor XXXX XXXXXXXX XXXX ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1900.00}, original creditor XXXX XXXX XXXX ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$630.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$820.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$620.00}, XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$330.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$430.00} ), XXXX  XXXX ( Date Opened XX/XX/XXXX, Balance : {$1100.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, the list of acounts belows has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 The accounts below have violated my rights. 15 U.S.C 1681 Section 602A. 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 : 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 ) ( a ) 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. 

Delete then accounts below : XXXX XXXX-24
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX Balance {$7900.00} ; XXXX, XXXX, XXXXXXXX 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 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