23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Recently found out I have a XXXX which makes it hard for me to work. As such I have tried to reach out to XXXX XXXXXXXX XXXX XXXX XXXX XXXX  regarding getting XXXX discharge since its posted on there website that they have a way for people with XXXX or death that can be helped/discharged I tried calling the number on the website but it just rings constantly. And usually if someone answers they have no clue what I am talking about XXXX XXXX XXXX Emailed XXXX XXXX XXXX XXXX Sent the link regarding the XXXX information XXXX XXXX XXXX Linda responded telling me to contact a different department regarding it ( they didnt know what I was talking about )
Product: Debt collection

I have repeatedly asked this hospital to remove my number from their robo calls. They continue to call everyday, twice a day.
Product: Credit card or prepaid card

On XX/XX/XXXX I transferred a balance of {$1100.00} to my Citibank credit card. At this time, I was taking advantage of a promotional offer of 0 % apr on transferred balances. This promo apr was to expire on XX/XX/XXXX. 

At the time of this transfer, I also had an existing fixed-repayment balance on this card, something Citibank calls a " flex loan. '' This " flex loan '' balance is and was subject to a apr of 6.99 %. 

As my most recent statement, dated XX/XX/XXXX, confirms, the promotional apr rate for transferred balances expired on XX/XX/XXXX, increasing the apr on the remaining {$700.00} from my balance transfer to 22.49 %. 

On XX/XX/XXXX, I reached out to a Citibank representative to confirm that any payment above the minimum payment due ( {$330.00} ) would be applied to the highest apr balance, in accordance with federal law. I had this conversation over online chat, and I preserved a screenshot of the conversation. This was my third time reaching out to Citi. I had wanted to make the payment sooner so as to be doubly sure of avoiding any extra interest charges, but I was told expressly that so long as the 0 % rate was in effect any payment would be credited to the 6.99 % " flex balance. '' I was further instructed that I had to wait specifically until the XXXX XXXX XXXX in order for my payment to be credited toward the balance-transfer balance, which by then would be the higher apr balance ( at 22.49 % ). 

In accordance with the guidance I received from Citi, I initiated a payment on XX/XX/XXXX for {$1000.00} ( the amount of the minimum payment due plus the remaining balance-transfer balance ). Incidentally, when I initiated this payment through Citibank 's website, the website expressly confirmed that this was the amount I need to pay to satisfy my " flex loan '' payment and pay off what Citi calls on my statement the " adjusted new balance '' ( not a new balance at all in fact, just the remainder of the original balance transfer from last XXXX ). 

My statement indicates however that the payment was allocated entirely to the " flex '' balance. I still have a {$700.00} balance at 24.49 % apr. 

I reached out to Citi on XX/XX/XXXX to ask them to correct the misallocated payment. The agent told me that there was an " accounting issue '' with my card. I asked to be transferred to a supervisor, after which the supervisor, XXXX, told me that Citibank would " review '' my account and " give a decision '' after XXXX business days. 

I really have a hard time believing that these kinds of practices on the part of the banks are innocent accounting mistakes. In this case I made a good-faith, proactive effort to confirm that I was timing my payment in such a way as to ensure that it would be credited to the higher-apr balance. Citi seems to have ignored both the law and what they claim is their own policy, and they have saddled me with a balance that is still accruing exorbitant interest charges as we speak. In my view, Citibank 's behavior in this matter is quite predatory and clearly illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block accounts that are on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX Balance Owed : {$18000.00}
Product: Credit reporting or other personal consumer reports

I am writing this complaint because I have not received my credit report from LEXIS NEXIS. I was told they could not verify my identity and I gave them the correct information. There is some information on there that I want to dispute but LEXIS NEXIS has not sent me my consumer report. I requested this information through their online portal.
Product: Credit card

I have 3 negative accounts on my credit that was open fraudulently. I would like to have them removed. I have sent several letters to these companies and disputed the transactions, and nothing has happened. 

SELFINC/LEAD, XXXX SBNASELFLNDR, XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payments on Account [ XXXX ] Dear CFPB, I am filing a formal complaint against your bureau for failing to correct inaccurate information regarding late payments reported on my credit report for account [ XXXX ]. Despite multiple requests for correction via disputes submitted on XX/XX/XXXX and XX/XX/XXXX, no action has been taken to address these inaccuracies. This lack of resolution is a clear violation of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations : According to 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The late payment reporting on this account suggests a failure to comply with this requirement. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files. Your bureaus continued inaction contravenes this obligation.

TILA Violations : The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. The erroneous reporting of late payments has caused significant and undue harm to my creditworthiness.

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act reinforces the responsibility of creditors to provide timely statements, preventing unfair penalties to consumers. The failure to correct this inaccurate information reflects non-compliance with these provisions. 
Discrepancies and Account Information : Below are the discrepancies observed on my account : Account Details ( TransUnion ) : Account Number : XXXX High Balance : {$2400.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1500.00} Account Status : Open Payment Status : Current Two-Year Payment History : Erroneously reported 30-day late payment for XX/XX/XXXX Desired Resolution : Immediate removal of the inaccurate late payment notation for XX/XX/XXXX from my credit report. 
Written confirmation of the corrections. 
Supporting Evidence : Copies of my payment history showing timely payments. 
Correspondence regarding previous disputes submitted on XX/XX/XXXX and XX/XX/XXXX. 
Relevant sections of the FCRA and TILA demonstrating your obligations.

If this issue is not resolved promptly, I will escalate my complaint further, including potential legal action and filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ) and other relevant regulatory agencies. 
Thank you for your immediate attention to this matter. I look forward to your prompt response confirming the resolution of this issue. 
Sincerely, XXXX XXXX XXXX
Product: Mortgage

I have called newraz several times to make corrections on my account for mistakes they made and the issue still has not been rectified. 
I am on a semi monthly payment plan for the XXXX and XXXX of the month. I submitted their form they provide me. XXXX payment was good and XXXX was good. XX/XX/XXXX I get a notification from my bank stating my account went into negative. When I reviewed the account. I saw that Newraz drafted my account on XXXX XXXX. I call immediately and speak to a representative, who couldn't help me so I request a manager and got supervisor XXXX, who advised me it was a mistake, my account wasn't the only one affected its all because XXXX had only 29 days, she assured me she will send a message to the payment processing department give it 24hrs she is have them stop the XXXX payment. I told her I have other bills that come out of my account that if I moss a payment for my credit will get dingged. XX/XX/XXXX rolls around I get a notification from my bank again showing XXXX refund from NewRez. I call newraz to inquire about the refund. I am told it's the XX/XX/XXXX payment. I tell the representative, no that's incorrect the XX/XX/XXXX payment already went through. I spoke to XXXX on XXXX she was stopping the payment for XXXX going through be it's a mistake ( XXXX payment would be due on the XXXX ). The representative suggested she will send a message to the payment department and tell them this info so the can draft the XXXX payment again because a refund shouldn't have been issued. Few days pass I got into my newraz account and I don't see the payment on there. So I call again, I get the same run around, but this time I request someone to call me back ... still no call from anyone... .XX/XX/XXXX comes around and I usually get a email for my drafts from newraz, but no email ... I give it a day before I call them back and get another representative on the phone ... the representative tells me she was not sure why my XX/XX/XXXX payment has not been drafts but she sees that XXXX due to draft on Thursday ... Friday comes around payment has not been drafted... .so now we are dealing with XX/XX/XXXX and XX/XX/XXXX payments that have not been processed. I put requests through their website with call log proof, screen shot of their website showing my account balance as {$2700.00} but that's not my balance. To top it all of the last representative I spoke to this Friday told me that I asked to be removed from ach payments and I was not on a Simi monthly payment plan anymore that I requested to have it removed. Which I did not. After all these calls and all the time spent on the phone to correct a mistake they made. Dealing with this during XXXX XXXX and a XXXX is unreal. I don't know how I can get in touch with a manager to fix my account.
Product: Checking or savings account

In XX/XX/2019, my Wells Fargo Debit/ATM card reached it's expiration date. A replacement card was issued, and it would get stuck in the ATM. After several weeks of complaining a new card was issued, it also would not be returned by the atm,. A third replacement card was issued, this one being the newer style, with a flash chip and my name on the back of the card with less embossment. This card also got stuck. I tried it in another Wells Fargo branch atm and it got stuck there too. When the card is not returned the atm actually reboots. After 3 months of this I finally complained to the Branch Manager of Wells Fargo, XXXX XXXX, XXXX CT, XXXX, this past Thursday, it took 20 minutes for her to actually escalate the situation enough to generate a reference number, she originally wanted me to sign a form that they were looking into it. I can provide some dates if necessary but I'm submitting this complaint without the information readily available.
Product: Credit reporting or other personal consumer reports

Attached to this complaint is a police report. The following accounts currently listed and showing on my XXXX and Equifax credit report are unauthorized and fraudulent accounts : 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 XXXXXXXX XXXX All of the credit card accounts and transactions are fraudulent and unauthorized accounts and transactions.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date, XX/XX/year>. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Im am writing to formally express my concerns regarding Zelles handling of disputes, particularly and light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite of using Zelle numerous of times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible in tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving userss vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed Item : - Inaccurate Reporting XXXX XXXX  XXXX Last reported XX/XX/XXXX Closed Date opened XX/XX/XXXX Account type Credit Card
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account name : XXXX XXXXXXXX XXXX  XXXX Account Number : XXXX Account name : XXXX XXXX  Account Number : XXXX Account name : XXXXXXXX XXXX XXXX Account Number : XXXX has violated my rights. Or 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.
Product: Credit reporting or other personal consumer reports

There is a collection account reporting to my credit report which lists SYNCHRONY BANK as the original creditor of the account XXXX XXXX XXXX XXXX. I don't recall opening an account with your company, and there was no correspondence sent to me regarding this account or the sale of this account. Please send me debt validation of the account mentioned. I am also seeking the forward flow agreement as well as original paperwork with my signature for this account. Also please send the correspondence that was mailed to me informing me that this alleged debt was to be sold. Being that I am trying to validate the information you send me, I will not be providing any more information than I already have in order for me to fact check what the alleged collection agency is reporting. Furthermore, I will not accept any correspondence outside of the CFPB portal. I am not interested in anything being mailed to me. I am requesting all documentation to be sent via CFPB so that it is easier to keep record of in case of legal proceeding. If you can not furnish the requested information, I advise you to contact the collection agency and/or credit reporting agencies and have the account removed from my credit report due to FCRA violations. If information is not received within 15 days, I will have no choice but to escalate this to the FTC and further seek my options in small court. Thank you for your help with this matter.
Product: Debt collection

I was sent an email from the debt agency in which they are not the original debtors. I asked them for written validity and verification of this debt they saying I owed and I dont receive anything and not they have reported to my credit reports
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the XXXX XXXX XXXX law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date : XX/XX/year> To Whom It May Concern : I was just looking over my credit report and found some addresses that appear to be incorrect. I've enclosed documentation providing proof of my current address, as instructed to do on your website. To make your process of deletion easier, here is a list of the incorrect addresses that I am currently seeing listed ( which I would like removed please ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Incorrect Addresses ) There should only be one address listed on my report, which is ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). 

Once you have deleted the inaccurate addresses from my credit report, please send me a copy of my updated report. 

Thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

XX/XX/XXXX received next monthly payment notice, which is common. However, because Specialized Loan Servicing doesn't want to understand, listen or even try to mitigate the problem regarding escrow account. On the monthly statement, they have included two billings for fees against the escrow account. 

XXXX XXXX XXXX ( XXXX ) transferred my mortgage loan to Specialized Loan Services ( SLS ). XXXX said they passed on all the paper work about the loan, including the paperwork showing the State of Oregon paid my property taxes. SLS said they didn't find the paperwork regarding the property taxes, which I suspect is a lie because they didn't look for it, and furthermore ignored the information relayed to them about Oregon paying the taxes. I talked twice to a gentleman about the issue, provided all the contact information for the Dept of Revenue on the tax issue, and they ignored this, too. They provided a notice that said the issue could be brought up to date if a payment of {$1000.00} was submitted. Again, it appears they have ignored all that has been said to them. The State of Oregon reviews the tax payment issue every two years, and this is that time again. Oregon has acknowledged receipt of the paperwork for re-certification for payment. The approval will not be issued prior to XX/XX/XXXX.  Once received, a copy can be forwarded to SLS, but I suspect they will feel entitled to fees. In the mean time, the Principle and Interest have been paid on my mortgage based on prior data. But SLS feels a penalty is due. They will NOT receive any such penalties, because a course of action has been provided, but they have thus far ignored everything. 

SLS isn't listening to me, and it appears my case is not original. This can be rectified, but on terms suitable to the situation, and not on terms where SLS charges a fee on almost everything they do. The money for escrow is available, or the State of Oregon can issue a payment schedule for the taxes due in XX/XX/XXXX. There was prior documentation that this was done in the past with XXXX XXXX, but SLS has chosen to ignore and disregard this procedure. Any and all explanations and data provided to SLS have been ignored, because I suspect their sole objective is to thrive on fees, to which they are NOT entitled. 

The underfunded escrow can be brought up to date. But it's all subject to government agencies providing paperwork or funds. The property taxes will be paid, it's a matter of timing, and this has been explained in detail to SLS. It's all fallen on deaf ears intentionally. NO FEES WILL BE PAID. PERIOD.
Product: Credit reporting or other personal consumer reports

I looked at a copy of my credit report and noticed several inaccuracies on my report. 
these accounts are hurting my ability to obtain credit. it is my understanding that you will investigate these items for me to ensure accuracy here is the items Iam asking you to verify as accurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was fraudulently used to apply for credit. XXXX details XXXX. 
XXXX XXXX from XX/XX/XXXX + XXXX. 
XXXX XXXX XXXX from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX & XXXX XXXX XXXX from XX/XX/XXXX + Bank XXXX XXXX XXXX from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX + XXXX  XXXX Inquiry from XX/XX/XXXX + XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

I did not open this account, nor authorize anyone to open it on my behalf, or engage in any transactions associated with this account. The account is listed to an address in XXXX, Indiana, in which I have never lived. I have attached documents proving that I lived in Georgia, during the time this account was open, and not in XXXX. This account is fraudulent and is affecting my credit report and score unjustly.