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

i'm writing to let you know that zelle isn't handling disputes correctly. this includes the new cfpb lawsuit that has affected me personally. I used zelle a significant amount of times and i reported discrepancies, my financial institution and zelle have failed to ever investigate my claim. they told me recovering my funds was impossible and that i couldn't track my transaction. zelle has allowed people to repeat commuting fraud while not protecting its customers. its users are so vulnerable to scam, this lack of accountability and transparency is unacceptable.
Product: Checking or savings account

I submitted an application online for a checking and savings account on XX/XX/2019. The application was submitted under a new account promotion for {$400.00}. Later on XX/XX/2019 I received an email requesting that I submit documentation to verify my identity. I immediately submitted the documentation electronically. I have written showing confirmation that I completed the necessary task that same day. It then took Citibank nearly a month to process the documentation and open my account. After several phone calls with customer service, it was not until XX/XX/2019 that I received written notice that my account was opened. That is also when I received a debit card so I could fund the account. I immediately activated the debit card on XX/XX/2019 and began to fund the account. A deposit totaling $ XXXX was made on XX/XX/2019 and $ XXXX was made on XX/XX/2019. I subsequently contacted customer service after 90 days about the new account bonus and was informed that I failed to fund my account timely. I spoke with a manager and he looked at the timeline of events and said he would submit a request to the accounts bonus (? ) department to take another look because it took the bank so long to verify my identity. He said he listed out the timeline, showing that I funded the account as soon as I was given access to the account. I just received a letter with boilerplate language saying I failed to timely fund the account and qualify for the promotion. I dont know how anyone could qualify for the offer when it took the bank a month to verify my identity and give me the ability to fund the account. This looks a lot like a bait and switch scam.
Product: Debt collection

On XXXX XXXX I had a lump sum {$1000.00} taken from my checking account from Machol & Johanas LLC. I was never notified of a judgment entered against me in XX/XX/XXXX for a balance of {$2000.00} that was owed to the University XXXX XXXX After being left without a dime in my account I was advised that I owed them {$11000.00} and that unless i entered into a payment plan wiht them they would continue to withdraw my funds. When I asked them what all of this was about and how I was i never notified, i was forwarded a letter that they claimed was served to me in XX/XX/XXXX at an address that I no longer resided at. She did not care simply said that they did have record that the notice was served. So now i dont know what to do ... Im a single mother paying this company {$100.00} a month for a balance that isnt even on my credit report.
Product: Credit card

There is a problem calling the Capital One Customer Service Number XXXX when it comes time to pay my bill by phone. 

The problem is the number is ALWAYS busy when ting to pay by phone ( not the first time ) BUT if I use another phone to contact Capital One using the number above, the line is NOT busy. This phone number is NOT known to Cpital One! 

Now, I tried this FOUR times and ACH time I used my phone number the XXXX was ALWAYS BUSY but using another phone calling them at the same number was NOT busy!. 

Now, I did not used the " REDIAL '' on my phone but did it by pressing the numbers individually. 

I called ANOTHER company XXXX number on my personal phone to test if it was working correctly and it worked fine. 

There is a TACTIC HERE by Capital One to do something VERY FISHY here. This is not the first time this has happened dialing the Capital One Toll Free Number which is on the credit card and on the credit card statement bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX was added to my credit report a guy named XXXX XXXX at XXXX XXXX XXXX said it was from XXXX to XXXX which is not my account I have lived in my current address at those times the date on the report said the account was opened XX/XX/XXXX it is not my account.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to DATA BREACH AND XXXX XXXX debt bondage, which falls under the law 15 USC 1681c-2 ( a ). '' and trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four ( 4 ) business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of data breach and human trafficking of Debt bondage and would like for all listed accounts and inquiries to de delete with company information XXXX, Equitax, and XXXX. Please delete the following accounts and ANY and ALL inquires associated with the accounts. 
The accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I submitted a dispute to the Consumer Reporting Agency ( CRA ) : Experian XXXX XXXX XXXX XXXX, TX XXXX In this dispute articulated that this CRA was in violation of 15 USC 1681b - permissible purpose of consumer reports since, by the letter of the law, i must provide them with written permission to furnish this data on my consumer reports. Furthermore, I provided the exact laws which supported my demand to remove all " late payments '' from my consumer report which are illegal based on the consumer law 15 USC 1681 ( 2 ) ( a ) ( i ). 

I requested that all late payments be removed from my report. Additionally, I pointed out how they are presenting the status " CO/C '' on the reports to represent " Charge Off and Collection '' respectively. They are presenting this data as late payments and even support that this is a late payment when viewing the full reports and on the dashboard as late payments. Instead of actually adhering to the laws they are constantly " verifying '' an account which is not what I am asking for in the letters. 

Delete the late payments for the following account : XXXX XXXXXXXX XXXX  XXXX account # XXXX Delete the following accounts from my reports : XXXX XXXXXXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX This CRA is in violation of 15 USC 1681.
Product: Credit reporting or other personal consumer reports

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after XXXX days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section XXXX ( a ), if these items are not investigated within XXXX days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Product: Debt collection

I had a debt with XXXX XXXX XXXX and XXXX XXXX XXXX provided me with the following info via email : " As a result, on XXXX, we sold the debt ( s ) listed above to Reel Time Capital, a third-party debt buyer. All inquiries regarding the debt ( s ) listed above should be directed to Reel Time Capital at the contact information listed below : Reel Time Capital XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX '' I have contacted Reel Time Capital and have not heard anything back from them. I have been working on this for over XXXX years and have not heard anything. Until XXXX XXXX - I got a very distressing phone call from a person threatening to take me to court for XXXX judgements against me and would not reveal why or from whom. I asked repeatedly and after XXXX minutes passed they disclosed it was on behalf of a debt to XXXX XXXX XXXX They then proceeded to call my ex-husband and leave a very concerning and threatening message to him about my debt as well as my parents, too. This has caused a lot of concern with my family and even for my ex-husband. I am trying to take care of this but am not getting anywhere with it. 

I feel that these areas of concern have all happened in regards to dealing with Reel Time Capital LLC - as well, they have not even revealed themselves by name to me on the phone call and messages they have been leaving : " Took or threatened to take negative or legal action ( threatened to sue, arrest you, seize property, deport you, collect exempt funds, damage your credit ) Contacted someone and share information improperly ( contacted employer, contacted you after asked them not to ) Communication tactics ( repeated phone calls, used abusive language ) Written notification about debt ( didn't receive, didn't know you could dispute debt ) False statements or representation ( trying to collect wrong amount, impersonated lawyer or government official ) ''
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. 
ACCOUNTS : XXXX  XXXX - Account number - XXXX XXXX XXXX Account number - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number - XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 in accurate.

15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 C-2 15 USC 1681 BA2 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681.
Product: Mortgage

I had applied for a loan modification under my mortgage company 's ( LakeviewXXXX XXXX XXXX loss mitigation department beginning in early XXXX of this year. I had been told to submit, resubmit, and resubmit documentation. I was getting pretty aggravated after the third submission of the documentation XX/XX/2021. I was rather shocked today when I spoke with a representative named " XXXX '' at the loss mitigation department [ ( XXXX ) XXXX ] who had informed me that LakeviewXXXX had simple " removed '' my application. I did not know that an application could be " removed ''. I was waiting for a determination for over a month an a half before the application was removed at the eleventh hour. I think that the repeated requests for resubmissions was an intentional delay tactic and was a prelude for the mortgagee 's decision to disregard the application... this was clearly in bad faith. 

It is my belief that LakeviewXXXX had no intention to allow me to submit the application and that they were sandbagging me while waiting out the clock until XX/XX/2021. I would like in inquiry into this BAD FAITH, obviously prejudicial and oppressive action by the Consumer Financial Protection Bureau.
Product: Debt collection

My name is XXXX XXXX I didnt open this account this account was open in my name fraudulent without my permission so please closed this account out and waive the balance to {$0.00} etc. Account number XXXX Reference XXXX
Product: Student loan

In XXXX of XXXX, we took steps to avoid a {$1000.00} student loan charge that we were notified would be auto-paid on XX/XX/XXXX. Instead, we instructed the agent our account should instead be placed in administrative deferment pending word on the SAVE plan. The agent assured us we were successful in averting this auto-payment, and that we would not be charged because we had correctly followed all of the steps to do so. The money was still deducted, so we called back. We spoke with another agent and they agreed we were entitled to a refund. Initially we were told within XXXX XXXX. After this came and went, we were told the refund timeline had been extended to XXXX XXXX across Mohela, putting our deadline at the end of XXXX. This date has also come and gone. We are now seeking assistance from the CFPB to help apply pressure to receive the refund for funds that should have never been taken.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting

I wrote to Equifax on XXXX XXXX, asking them to investigate XXXX accounts on my credit report. As of today, they have yet to respond to me in any way.
Product: Credit reporting

On XXXX/XXXX/2015. I opened a dispute with Experian due to the fact that I had just paid off my Student Loan in full on XXXX/XXXX/2015 with the Creditor. I provided the amount of the payoff and an explanation stating that the loan was no longer in " collections '' and should be reported as closed. Per the FCRA, my understanding is that Experian is legally required to conduct a " reasonable investigation '' of this matter. XXXX days later on XXXX/XXXX/2015 Experian " hastily '' completed their investigation, citing that the account was being reported " correctly '' despite having direct evidence from me that the account was paid in full ( attached ). I assert that Experian did NOT conduct a reasonable investigation, and violated the FCRA by being " willfully negligent '' in their investigation, or that they did not actually do any type of investigation at all. Due to the failure of Experian to conduct a reasonable investigation, I demand that the report be removed from my account immediately.
Product: Credit reporting or other personal consumer reports

I filed for bankruptcy in 2021 and my student loans were a part of my bankruptcy. My case has since been resolved and the student loans were suppose to be taken off. Here it is almost XXXX years later and they are still showing up. It is still showing up on my credit report. This is for all three credit reports. How can I get this resolved.
Product: Debt collection

I received a judgement of wage garnishment and was never notified of it now Im out XXXX dollars as head of the household and only provider that greatly Impacts my ability to care for my family snd I was never notified of a date when this would begin. I want the garnishments stopped as I am unable to provide stable living for my wife and daughter
Product: Credit reporting or other personal consumer reports

I disputed these unauthorized inquiries with BARCLAYS BANK DELAWARE ( Bank ), they stated that they, 'did their research and concluded that these inquiries were not authorized by me nor did I benefit from it '. They agreed for these inquiries to be removed from my consumer report. It has been passed 60 days and these inquiries are still sitting on my report. I am requesting that this company show me proof of them sending it to the consumer reporting agencies requesting for it to be removed. If they can not provide me proof, I am requesting a {$3000.00} check to be sent to my residence within 5 days of receipt of this complaint : XXXX XXXX XXXX XXXX, XXXX, N.Y. XXXX for violation of 15 US 1681b ( a ) ( 2 ). The consumer reporting agencies stated that this company never reached out to informed them of the requested deletion. 

BARCLAYS BANK DELAWARE ( Bank ) XX/XX/XXXX BARCLAYS BANK DELAWARE ( Bank ) XX/XX/XXXX BARCLAYS BANK DELAWARE ( Bank ) XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Confirmation Number : XXXX. Account Name : XXXX. Account Number : XXXX. On XX/XX/2018 I mailed a dispute to Equifax regarding the credit item mentioned above. The dispute reason was " credit limit inaccurate. '' ( See attached copy of original dispute submitted. ) Equifax received the dispute letter on XX/XX/2018. ( See attached certified mail return receipt. ) Equifax provided me with the results of their reinvestigation on XX/XX/2018 stating " information disputed has been verified as accurate, however, information unrelated to your dispute has been updated. '' ( See attached copy of Equifax results of reinvestigation. ) Thus, the inaccuracy remains on my credit file. I contacted the data furnisher, XXXX and received a response on XX/XX/2018. In the response letter, the data furnisher acknowledged the credit limit for this account is ( XXXX. ) ( See attached copy of letter from data furnisher. I have highlighted their acknowledgement. ) Equifax 's reinvestigation results contradicts the response from the data furnisher. Therefore, the credit item must be deleted because it is not 100 % accurate. Equifax has violated the Fair Credit Reporting Act ( FCRA ). The FCRA does not allow the inaccurate reporting of information on my credit report. A reasonable investigation was not conducted and failing to comply with the FCRA is willful noncompliance. FCRA violations include section 607, 609, 611 and 623.  Therefore, if Equifax does not immediately remove this account from my credit report, Equifax will be subject to large monetary fines, plus punitive damages, court costs, and attorney 's fees, as well as complaints to the FTC, Florida Attorney General, and other state or federal agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2019, I initiated a dispute against an entry on my report from a company called XXXX.  XXXX  reported me late 60 days, however I should have been marked as late only once.  I received a response from your company stating that the information had been verified and all information was being marked appropriately.  The form that I received from Equifax contained incorrect information concerning balances, as well as date of last payment, aside from the original payment issue.  I then requested a complete copy of my report so that I may dispute this information according to FCRA section 611.  On XX/XX/2019, you sent me a letter stating you could not locate a credit profile under my name and social security number.  Please explain how it is possible you verified incorrect information on my report then claimed I do not have a credit report on file with your agency..
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed bankruptcy in XXXX XXXX XXXX and put this car on it. During my bankruptcy Ive paid off the car within the bankruptcy. The final dispersement payment was on XX/XX/XXXX for {$110.00}. They said the only payments they have received were that 1 and 2 more leaving my balance at XXXX XXXX and some change. I have court documents of like 20-30 checks dispersed to the company. They told me they gotten only 2 checks. I have court documents that say they received all payments for the car and there is nothing left in my bankruptcy trustee account because they've gotten the money. All I want is for the information to be corrected on my credit report before I have to call my lawyers back up. The company is known for crooked tactics by the XXXX  they have like a 2 star rating for good business. They told me the car is up for repossession and it's paid off which is the craziest thing Ive heard iny life.
Product: Debt collection

On XXXX XXXX, 2016 i received a notice from Stoneleigh Recovery Associates alleging that i owe a debt to XXXX XXXX Medical Center i advised them in writing that i previously disputed that debt with the original creditor XXXX XXXX Medical Center and the debt was canceled and removed from their records as a result of identity theft also under the Fair and Accurate Credit Transactions Act. I continued to received phone calls from the debt collector threatening me about paying this debt that was previously satisfied and deleted under the Fair and Accurate Credit Transactions Act.
Product: Credit reporting or other personal consumer reports

Lexus Nexus, has failed to investigate my disputes annd unauthorized inquiries under the fair credit reporting act. I have disputed this information XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>. The consumer financial protection bureau has recently filed a lawsuit against XXXX for not investigating, passing information for investigations, excepting unreliable responses, and not notifying consumers. Also, XXXX, XXXX, and XXXX have reported over the past XXXX years of data breaches on all consumer accounts. including mine. Lexus Nexus are aligned with what the lawsuit is currently about. This is causing great harm to my livelihood, credit standing, housing, employment, and health and well-being. I am requesting immediate correction and removal of the disputed accounts, freeze on all of my credit reports. They are in violation of federal law and my consumer protection rights.