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

I write to attach screenshots of my online acct at XXXX XXXX XXXX XXXX XXXX which states ACCOUNT CLOSED, Your Account is closed and Available credit {$0.00} which clearly documents that I have closed my account and my account obviously has been blocked from future purchase transactions. XXXX was required to report my account as Closed By Consumer simultaneously and promptly to all credit reporting agencies during my phone call to voluntarily close my account and block my account from future purchase transaction pursuant to the FCRA and XXXX XXXX protocols. Obviously, my screenshots clearly document that my account was closed and noted in the database of XXXX. However, my CLOSED account still remains reported to every CRA as OPEN and I have doubts whether it knows how to enter mid cycle mandatory reporting if Closed accounts or worse it may not report my account as closed in willful violation of the FCRA and XXXX XXXX protocols entitling be to {$1000.00} in Statutory damages against the Furnisher and every CRA who fails to report my account as Closed. No excuses will be tolerated for routine mandatory processing of my as closed. Please investigate and permanently report my account as closed and further mark my account as disputed.
Product: Checking or savings account

I dont have the dates or amounts because its been a year or so ago but there have been alot of transactions that didnt make sense to me. 
Regions Bank
Product: Credit reporting or other personal consumer reports

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 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair credit reporting act. The list of the accounts below has violated my Federal protection consumer rights to privacy and confidentiality under 15 USC 1681. XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 206A States I have the right to privacy. 15 U.S.C 1681 section 604A section 2 it also States a consumer reporting agency can not furnish accounts 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 items of information, other than records of convictions of crime which antedates the report more than 7 years. 15 USC 1681 s-2 A1 a person shall not furnish any information relating to the consumer to any consumer report agency if the person knowing or has responsible case to believe that the information is inaccurate.
Product: Checking or savings account

Dear CFPB, I went in branch to open a new personal checking account at US Bank in XX/XX/2022 with the promo as following : Earn {$500.00} with total direct deposits of {$6000.00} or more, Enroll in online banking, Complete two or more direct deposits. I satisfied the conditions, and it has been over 60 days, but I do not see promotional credits posting on the account. 
This has been very frustrating experience for me! 
Please kindly advise!
Product: Credit reporting or other personal consumer reports

I just looked at my consumer reports and noticed a late payment on an account that I was never late for. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly says. I have never been late on payments and did not provide written consent to report the account : Capital One : [ XXXX ]. Please investigate and provide proof with statements showing that these payments were late and proof that I authorized the reporting of this information. If proof can not be provided I demand these payments to be updated to on time as they should be as I was NEVER late.
Product: Credit reporting, credit repair services, or other personal consumer reports

PORTFOLIO RECOVERY ASSOCIATES is the debt buyer of which I do not have a contract with. Nor was I ever properly served to offer the opportunity to dissolve this account. During this time period indicated on my XXXX account the economy crashed, we were devastated by Hurricane Sandy, lost two cars our home was unlivable for one month and I didn't qualify for any programs because of my gross income which does not take into account loss of pay due to time/pay loss from work to attend numerous and frequent appointments.My credit was greatly effected from these events. Prior to this monumental time in my life, my credit was great. I am appealing to you to remove this derogatory account from my three credit reporting agencies. It has been with great difficulty attempting to recover from our my unfortunate situation. It has been almost seven years reaching the statute of limitations. I am hopeful that you are understanding of the unfortunate circumstances in our life you could understand that families affected by natural disasters, loosing time at work and not being compensated, and complete devastation you could offer the opportunity for this family of XXXX to recover and remove this account from all three report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX ( Original Creditor : XXXX XXXX ) # 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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple disputes to Experian, regarding the XXXX XXXX  account listed on my credit report contain inaccurate information. The last dispute was submitted on XX/XX/XXXX. I will attach a copy of the letter with this complaint, in that dispute I advised that my Experian report upon auditing the creditor is reporting : 1. A status of 180 days past due, while on my XXXX they are reporting a status of 120 days past due. How can I be 180 days and 120 days past due? Why are they vastly different? I also advised that 2. The same creditor XXXX XXXX is also again reporting on my Experian report a balance of {$23000.00} while on my XXXX report shown below, they are reporting a balance of {$31000.00}. Why are they vastly different? 
I provide screenshots from both credit reports in my dispute letter. Today on XX/XX/XXXX I received notification from Experian that the account will " remain as the the company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. '' Per the FCRA not every credit report has to contain every account however if the account is reporting to more than one bureau then all information must be the same. Experian has once again disregard the plain black and white information provided that shows in plain site that the creditor is reporting different information to different bureaus. This is a violation of my FCRA rights. I also included in both letters that vehicle solution sold the vehicle since XXXX of XXXX and if my last payment was in XXXX of XXXX. How can the account still reflect a 180 days past due with Experian and 120 past due with XXXX. I will attach all information.
Product: Credit card

My husband and I set up an account with XXXX to have monthly security monitoring at our house. A technician came out to set up the equipment. XXXX outsources all of their installations. The technician was at our house for hours, much longer than we thought he should have been. We had evening plans, and told him he would have to go. He said he could stay and finish, and he asked for me to leave my phone with him. He said he would install the equipment and get it set up on my phone. I left my phone and the technician finished the installation. We quickly found out that while he had my phone, he had approved a {$5000.00} credit card to pay for his services. I was NEVER given a total amount to approve, and I NEVER approved the card to begin with. On the phone, we agreed with a plan through XXXX. Then the installer came out, opened a credit card, and charged it for {$5000.00} when I had never authorized anything outside of XXXX. I have been fighting this charge from the very beginning and it is now going on close to a year. The charge card is through Home Design/Synchrony Bank XXXX This happened in XXXX of 2023 and Synchrony Bank has refused to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Bank account or service

I had my transfer account to my sons account blocked and cant unblock it. After 7 months the Capital one Bank blocked me from moving money from my account to my sons ( unknown to me ) I had to be on his account. I attempted to make a transfer after I got on his account and still cant do it. I understand the way this works, So I call capital one bank to rectify this issue. I called two times today and no one seems to know what is going on. I called two times and waited once 11 minutes and the other time 8 minutes .. Please help me
Product: Checking or savings account

XXXX. I opened checking and savings account with Chase bank. 
XXXX. I added an external bank account, this bank account is already added on my two credit cards I have through chase. 
XXXX. When I added external bank account for Checking and Saving accounts micro deposit was done in my external bank which I verified. 
XXXX. After this it allowed me to initiate transferring money from external account on XX/XX/XXXX : XXXX. XXXX to saving account XXXX. XXXX to checking account XXXX. After 1 week or so transaction was rejected. 
XXXX. I was on call almost an hour trying to resolve it, earlier customer service kept redirecting me to different departments and in the process long wait time. 
XXXX. One agent asked me to initiate another transaction which immediately got rejected. 
XXXX. Finally I reached to a supervisor- XXXX, call was around XXXX XXXX  PST on XX/XX/XXXX and should be recorded. He told us a ) that Chase bank can reject transfer b ) He refused to tell us reason for reject. 
c ) He didn't say that we will be informed of the reason. 
d ) Refused to give us any other information or number where we can call and was not helpful. 
XXXX. This is new account and have opted for direct deposit for my salary as well however now I am not sure if I would receive it on time.
Product: Credit card or prepaid card

I have a {$26000.00} credit card balance with American Express. I was with them for 21 years as a customer. A couple of months ago, I had run into a few delays on a XXXX XXXX I'm working on. 

After 21 years, Amex decided to cancel my account, confiscate my points and demand payment in full of my account. 

Amex has a policy of giving its customers four months before it sends an account to collections. But now, just 6 weeks after I last made a payment, they have sent my account to collections, even though I told them I needed one more month. Coronavirus has tanked my income, but in the middle of all of these companies offering forbearance for people whose businesses are suffering from Coronavirus - Amex JUST SENT ME TO COLLECTIONS THIS WEEK. I JUST GOT THE LETTER. CAN SOMEONE TALK TO AMERICAN EXPRESS? I TOLD THEM I WOULD PAY THEM. I HAVE MULTIPLE XXXX FOR SALE. IF I SELL ONE, I CAN PAY THEM IN FULL, BUT NOW THEY ARE GOING AFTER MY CREDIT. 

AMERICAN EXPRESS DOES NOT CARE ABOUT XXXX XXXX, IT ONLY CARES ABOUT THE APPEARANCE OF CARING FOR XXXX XXXX. BY THE WAY UP UNTIL NOW, I HAD A XXXX CREDIT SCORE. AFTER THEY ARE DONE WITH ME, I'M SURE IT'LL BE MUCH LOWER. AMERICAN EXPRESS IS NOT FOR XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo Bank unauthorized inquiry not authorized by me.
Product: Student loan

I have been in public service since the beginning of the PSLF program. I currently show XXXX payments eligible and XXXX plus payments ineligible due to no bill due. During the earlier years instead of being placed on XXXX payment status the loan services would put me in forbearance status for financial hardship which should also count as payments. When calling I am not able to gain contact with a live person hold times are very long. The whole PSFL system is difficult to navigate. Now with the new waiver I may quailing for forgiveness but their is now clear information given.
Product: Credit reporting, credit repair services, or other personal consumer reports

I settled my mortgage dispute with Selene a year or so ago and as part of the agreement which I will include with Selene was supposed to notify the credit agencies to remove the entries to my credit report, that no entry from Selene should exist on my report. I paid them the settle amount of around {$80000.00} but they did not abide by the agreement as the entry is still on my credit report. I attempted to have this resolved last year and it still has not been resolved and has thus far lead to several adverse credit situations. 

XXXX  also would not let me dispute this again since I had disputed it previously, in other words, just making the situation worse by not removing it the first time! XXXX XXXX system would not allow me to access my report where I'm just assuming the entry also exists. The issue is currently in dispute with XXXX.
Product: Credit card or prepaid card

Me and my husband applied for a credit card we were sent a pres-screening. We both applied my husband doesnt work I work he was approved for {$25000.00} with no income and a credit score of XXXX charge-offs etc. I another hand was approved for {$15000.00}. I have a credit score of XXXX better and I work I have all the income. I see that this is a discrimination of some kind either gender or race. I want to know who to talk to you I have sent letters nobody has respond. All I asked was that I have the same respect as my husband as a white male and as a female can I please get somebody to help me with this situation its been going on for years Ive sent a letter nobody replied back, and I do have a copy of the letter that I sent a year or two ago. Also, I have a plied for a credit increase. Several times I was denied Ive always paid my bill on time. I have once have even paid off the credit card and I was still denied for a credit line increase even in the last year.
Product: Credit reporting or other personal consumer reports

Despite my previous disputes, the creditor continues to knowingly and willingly report false information, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Here is the breakdown of the discrepancies : XXXX : Shows two late payments ; one for 30 days another for 60 days. XXXX : Shows one 30-day late payment. TransUnion : Shows two late payments ; one for 30 days another for 60 days. This inconsistent reporting not only demonstrates a lack of compliance but also indicates intentional misconduct. Furthermore, there should not be any late payments associated with this account. The creditors deliberate actions are causing undue harm to my credit profile and financial well-being, as this inaccurate reporting has adversely impacted my credit score and my ability to secure financial opportunities. Under 15 U.S. Code 1681s-2, creditors are obligated to report accurate and consistent information to credit reporting agencies. The continued failure to do so, despite prior disputes, is not only negligent but also a willful violation of federal law. All three credit bureaus are reporting different information and according to 15 U.S. Code 1681e - Compliance procedures, " Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' This is a direct violation and furthermore proves that there was no investigation to provide proper verification. The same information should be reported across all three credit reporting agencies.
Product: Money transfer, virtual currency, or money service

I sent out XXXX to my wife for a car and the payment says it went through but she never received the payment and I never got help from cashapp
Product: Credit reporting or other personal consumer reports

PLEASE BLOCKED AND REMOVED. 
The existence of this account has caused me significant distress, to the point where it is XXXX XXXX XXXX XXXX XXXX. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Product: Mortgage

Our Mortgage company, Specialized Loan Servicing is trying to foreclose on our home. We have been in contact with them to try to get a modification on our mortgage and was caught up on payments as of XX/XX/XXXX. Since then we fell behind on payments due to Covid19 and us being laid off from our jobs. The amount of the mortgage is {$2400.00} and the interest rate is 5 %. The mortgage company has refused to work with us for a modification and has put our home into foreclosure. My wife and I want to keep our home. We are the original owners for 42 years now. On a letter dated XX/XX/XXXX we received a letter from Specialized Loan Servicing stating that they received our recent request for modification, however, on XX/XX/XXXX we were advised that our request was denied because Specialized Loan Servicing put our home up for foreclosure sale.
Product: Credit card or prepaid card

I noticed 2 charges on charge card on XX/XX/XXXX that I did not recognize. The dates were for XX/XX/XXXX for {$82.00} and XX/XX/XXXX for {$89.00}. I called USAA Federal Savings Bank. They said on XX/XX/XXXX they would remove the charges. I may not hear anything for several months. On XX/XX/XXXX I received a email that they were working on it. On XX/XX/XXXX I received a email that the case was closed and on XX/XX/XXXX these 2 merchants received their money back. I was very angry because they didn't give me the opportunity to state my case. They told me I could and I did but it didn't matter they had been paid on the XX/XX/XXXX. I sent a XXXX folder with my documents to the Corporate Office and heard from XXXX XXXX XXXX XXXX   XXXX I phone number XXXX ext. XXXX. She said that the Dispute Claim Stands. Then I sent her documents from the Federal Trade Commission that states that if you receive a free Item. You can not be billed for another amount later. It is against the law. Today on the FTC web side that third partys can not bill. Law 15 U. S. C. # # XXXX These were numinous names for which I was told was something they didn't care about. I only dealt with one company. XXXX and XXXX of Florida was who I got the Free Bottles from. Other names were XXXX of CA, XXXX XXXX  XXXX, and XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Money transfer, virtual currency, or money service

On, or about, XXXX XXXX my Coinbase account had a withdrawal made by an unknown source. I filed a complaint with the FBI 's XXXX department. I then sent the information to Coinbase. I also made several attempts to use the support telephone system listed by Coinbase. The audio and visual responses indicated that audio contact was not available for my level of account. 

I tried contacting one of the corporate offices using social media. That ended with no replies. 

Eventually, my balance in the account was taken by Coinbase as payment for the transactions completed by the outside source. 

In XXXX months of attempting to make contact I have had no responses.
Product: Vehicle loan or lease

I was shocked when I receive my credit report and found a late payment on the dates below : 30 days late as of XX/XX/XXXX. 
30 days late as the XX/XX/XXXX. 
30 days late as of XX/XX/XXXX. 

I am not sure how this happened I believe that I had made a payment to you when I received my statement. My only thought is that my monthly statement did not get to me.
Product: Credit reporting or other personal consumer reports

I never gave permission to these companies to inquire about my credit report, it is really worrisome that they accessed my report without my permission which is a very clear violation of my rights. This is really frustrating and it's making me very anxious.
Product: Student loan

I originally consolidated all of my student loans and began repayment on XX/XX/XXXX. 
Loan was transferred from XXXX to XXXX with whom my loans stayed until being approved for PSLF program XX/XX/XXXX. During this time XX/XX/XXXX-XX/XX/XXXX, I paid an average of {$300.00} monthly on original loan of {$96000.00}. 

Following my approval and application acceptance to PSLF my loans were transferred to Fedloan Service. For the past 12 months XX/XX/XXXX to current, my payments have roller coasted from {$270.00} to {$630.00} to {$830.00} among other amounts. Fedloan reps have given me various different reasons for the changes. 

However, Fedloan does agree that after reviewing my loans I had a parent plus loan which excludes me from any IBR or ICR special programs. After asking for a copy of my original Master Promissary Note to confirm that I did check/choose consolidating the parent plus loan, Neither Fedloan or XXXX can locate the consolidating document. ( I originally thought my daughter had paid off that loan and removed it from my loans. ) I do not know if that {$9000.00} was even checked/marked to consolidate. 

Throughout these years I was never given any advice on how to consolidate or what would be beneficial to my situation, I paid my monthly bill without question. My loans now total {$110000.00} and I feel very taken by loan servicers. 

I continue to wait for a return call from Fedloan Ombudsman for his assistance on the new legislation which excludes plus loans as being a disqualifier for IBR payments. This would be accomplished through reconsolidation and result in my elimination of PSLF 3 years of payments, but lower payments, Fedloan service reps stated this was incorrect information and I could only reconsolidate if I had a new student loan. This resulted in a dead end for helping me. 

I would like to remain on PSLF and be eligible to continue on an IBR payment plan as I was prior to beginning the PSLF process.