23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

As per my letter, I have already verified all the information in their file TWICE. There are a couple of minor issues which have been addressed. 

Nonetheless no bank can verify me through LexisNexis. LexisNexis doesn't investigate what is causing this secondary problem. It apparently it something to do with my cell number which I have had for over 10 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting 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 an account without my written instructions.
Product: Debt collection

In XXXX XXXX, a collection attorney ( Beard & Lane Attorneys At Law ) has charged my HOA account {$2700.00} for attorney fees when I was already in a payment agreement with the XXXX XXXX XXXX ( XXXX XXXX ) that I would make my own siding repairs at XXXX XXXX XXXX XXXX in exchange for a HOA Credit. I also paid for siding repairs and some credits were disallowed for {$2800.00} ( see attached invoices ) for {$18000.00}, while I was only credited {$15000.00}. In addition, I was charged {$1500.00} in late fees while I was making the agreed repairs. 

In addition, they have violated 3 FDCPA laws to include : 1. The collector ca n't add on any extra fees that your original credit or loan agreement does n't allow. [ 15 USC 1692f ] 808 ( 1 ). However XXXX XXXX has added {$2700.00} in legal fees ( see attachment ) and {$1500.00} in late fees ( see attachment ) to my HOA Fees. Beard & Lane Attorneys are applying my XXXX fees and credits to pay their legal fees and is threatening foreclosure in 2 weeks ( see attached ). 
2. They have Ignored my written request to verify the debt and continue to collect even though I made the request within 30 days of the notice [ 15 USC 1692g ] 809 ( b ). I sent a Validation of Debt letter XXXX/XXXX/XXXX ( certified mail ) and on XXXX/XXXX/XXXX, I was contacted by Beard & Lane to cash my XXXX HOA fees, which will be applied to their legal fees. I requested an updated statement with XXXX payments, which I have not received yet. 
3. I made a written request for the collector to cease communication ( see attached validation of debt letter ), but they emailed me on XXXX/XXXX/XXXX to ask me if they could cash my checks I sent for XXXX HOA. They can only contact me one more time, via mail to let me know one of the following : that further efforts to collect the debt are terminated, that certain actions may be taken by the collector, or that the collector is definitely going to take certain actions. [ 15 USC 1692c ] 805 ( c )
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to all three bureaus by certified mail and no response. I have unverified items on my report. These are the ones : XXXX XXXX, XXXX XXXX/ XXXX , XXXX XXXX , Us Dept of Education # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, XXXX XXXX # XXXX, XXXX.
Product: Mortgage

WE FELL BEHIND 2 PMTS. WE SENT IN 1 XXXX PMTS FOR 4 MONTHS BUT THEY KEPT SENDING THEM WANTING THE FULL XXXX DUE, WHICH WE DID NOT HAVE. THEN THE HARASSING CALLS SEVERAL TIMES EACH DAY. AFTER FINALLY TALKING TO A REP HE TOLD US TO STOP SENDING PMTS UNTIL THEY GOT IT STRAIGHTENED OUT, THAT WAS 3 YEARS AGO. NOW THEY HAVE FORECLOSED AND ARE AUCTIONING OFF OUR HOUSE ON XX/XX/2016. STAY AWAY FROM THESE PEOPLE THEY WILL XXXX!!!!!!!!!!!!!!!!!!!!!!
Product: Credit reporting or other personal consumer reports

Notice of Arbitration, Attention to XXXX XXXX. I do not consent to e-OSCAR verification and want an actual living human being to read this complaint. EQUIFAX has taken XXXXXXXX XXXX XXXXXXXX XXXX off my consumer report to just put it back on to take it off again and I have complained multiple times in reference to the federal laws being infringed upon by the reporting from EQUIFAX for EQUIFAX to just keep playing with me with the reporting. I will have my marked-up consumer report attached below in reference to my federal consumer rights being violated by the XXXX XXXX XXXXXXXX XXXX reporting . Every circled furnishing attached below is a violation to my federal consumer rights and each furnishing violates the Privacy Act of 1974, 15 USC 1681c, 15 USC 681, 15 USC 1681e, 15 USC 1681b, 15 USC 1681n, and 15 USC 1681a. My invoice for actual damages and violations will be attached also.
Product: Student loan

My student loans were consolidated by XXXX in XX/XX/1997. I have been paying on my student loans for XXXX yrs, yet the principal I owe has almost doubled. I started out on their graduated payment plan. Because the amount of my payment did n't cover any interest, any interest that accrued, they kept applying to the principal. I am now on an income based repayment plan. It 's the same thing. I 'm making the payments, but because they do n't cover the interest, they apply the accrued interest to the principal balance. How is this ok?? Now I 'm paying interest on the interest on the interest, etc ... This is such a scam. It needs to stop! They make paying off your student loan impossible.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Checking or savings account

XXXX. Supposed been a direct deposit from my employer, XXXX XXXX XXXX XXXX at XXXX XXXX. Never received it, never heard anything about a delay from this bank until I checked XXXX. Reached out to the bank never received notification about anything but me and millions other is experiencing this diaster
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed inquiries that are not mine. XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted a complaint for a late payment showing on my credit union account ( XXXX - opened XX/XX/XXXX. Payment in question is XXXX, XXXX. Transunion said this information was verified accurate. They wont provide me method of verification, they claim thats not their responsibility, but according to FCRA section 611, they are supposed to send me that method within 15 days. Ive explained this to their special escalations department, and they claim to have no knowledge of this. I spoke with XXXX & a XXXX and they both claim thats not Transunions duty under the law. They are willing fully & negligently breaking the law & violating my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

hen I investigated my credit report, I realized that some of the information was erroneous. The XXXX and Equifax credit bureaus are required to authenticate these accounts under Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). ( A ), ) as required under Section XXXX ( a ) ( XXXX ) ( A ) Disclosures to consumers [ XXXX XXXX XXXXXXXX ] ( ( a ) Information on file ; sources ; report recipients. XXXX shall, upon request, and subject to XXXX ( a ) ( XXXX ) [ XXXX ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & XXXX XXXX ( a ) ( XXXX ) ( XXXX ) Procedure in case of disputed accuracy [ XXXX XXXX. XXXX ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor, please investigate the unverifiable item/accounts/information below : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$2600.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance : {$0.00}
Product: Mortgage

I purchased my home in XXXX of XXXX. The loan was sold by my original lender to Loan Care a Service Link Company ( My Loan Care ). Since then I have been over charged for my MIP. They seem to be treating my loan as an FHA not a USDA loan. I was charged : {$840.00} In XXXX of XXXX {$830.00} In XXXX of XXXX {$810.00} In XXXX of XXXX and {$840.00} In XXXX of XXXX I am only supposed to be paying .35 % of the value of my loan which is about {$550.00} a year and that number should be decreasing due to paying the loan amount down. As you can see mine jumped back up to the origination amount. 

I started trying to resolve this issue in XXXX of XXXX with the loan company and they just steadily give me the run around and they promise I'll have someone call me back but that never has happened. I end up calling them and spending at least an hour if not more on the phone every time. 

I have consistently followed the step they ask me to and they do not follow through on their end. I have filed emails to create a paper trail, waited for the follow that never came. Spoken to a supervisor and waited for a follow up that never came and now i am wondering if there's anything that can be done.
Product: Credit card or prepaid card

First Bankcard Cardmember Services XXXX XXXX. XXXX XXXX XXXX, NE XXXX Re : Complaint of Discrimination Accounting Ending XXXX Dear First Bankcard, Please allow this letter to serve as my complaint of discrimination against me. 

I applied for the bank credit card because the promotional flyers was sent to me to take advantage of the Amtrack points. The bank ran my credit, and the application was approved, and I got email to be expecting the card in the mail. 

But instead, I got a letter from the bank ( copy attached ) that the account was closed after second review and ELEMENT ASSOCIATED WITH FRAUD. This I dont understand what fraud we are talking about here, other than to assume that this was a discrimination. 

I could care less if the bank gave me credit, but you put a ding on my credit file, approved the card and only to cancel the card for reason I dont understand. 

Please explain to me the fraud that has occurred here. The only thing I can think of is my address. I have two properties and use both addresses. 

Home address : XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX Mailing Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX I feel that I am being discriminated against based on my race until someone proves me otherwise. 

Since the card was canceled, and there is a credit ding on my file, Im requesting that the inquiry be removed immediately. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

Capital One has changed my credit cards from Fixed Rate to Variable Rate. They went from 9.9 % fixed rate on XXXX account to 12.9 % variable without notifying me and with out my approval. The other one went from 10.9 % fixed to 17.99 % variable without my permission and without notification. This is very disturbing. I only signed up for fixed rate cards with Capital One and do not appreciate them doing a bait and switch procedure with my accounts. I also feel they are price gouging and using the interest rate hike to change the terms of agreements to their customers accounts. When I spoke to the agent on the phone she said there is nothing they can do to put my rates back. I asked for a supervisor above her and she said there is no one above her. Unfortunately I did not get her name as I was transferred to her and she did not say her name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to first point out XXXX XXXX  XXXX does not own my mortgage XXXX XXXX XXXX is the owner. My mortgage has not been sold to XXXX XXXX XXXX. Thus, said XXXX should be reporting the original debt in the same format as XXXX XXXX XXXX in the attachments provided. XXXX XXXX XXXX 's reported to Transunion, the first date of delinquency reported in XXXX. Therefore, since XXXX is not the owner of the debt just the collection agency this should be reported in the same manner. 

XXXX is attempting to restart the debt by reporting the first date of delinquency asXXXX, without including historical data. I have reached out to Transunion almost one month ago regarding the reporting of XXXX XXXX XXXX on my credit report. The representative explained that Transunion reports what the creditor send over in the file and I should dispute all inaccuracies, which I did via fax on XXXX/XXXX/XXXX. The response from Transunion was an update of XXXX status on my credit report without updated the historical data. Based on my credit report from Transunion dates XXXX/XXXX/XXXX XXXX XXXX XXXX was due to be deleted from my report on XXXX.
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was told by this collection agency that this was my XXXX 's credit card. I told them that was impossible as I was working with XXXX XXXX as a debt consolidator and that my XXXX 's card balance of {$8900.00} was being settled with them. They were verbally abusive on the phone and I gave them the phone number of my consolidator to deal with the situation numerous times. They stopped calling. XXXX/XXXX  is how the Closed Paid account shows. XXXX verified 100 % that this was the same XXXX 's card ( the only one I ever owned ) closed XX/XX/XXXX and opened XX/XX/XXXX. Midwest recovery shows Opened XX/XX/XXXX from XXXX XXXX XXXX for {$8900.00}. I am not sure how they are able to try to get the same money from me for the same account but this is not a new account opened in XX/XX/XXXX. I would never have qualified for this amount in XX/XX/XXXX due to my debt consolidation. This was harassment, and possibly identity theft or at best an account sold to 2 different collections agencies. It is paid and done. I need to get this removed as I have done everything including advise them who to contact.
Product: Debt collection

Good Day - I received a letter on XX/XX/XXXX & an email on XX/XX/XXXX that I just noticed yesterday evening from Transworld Systems Inc. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have never provided my email to TSI nor have heard of this company until I received a letter in the mail. I would like to know how my email address was obtained. I have not received emails from the utility company at the email address TSI used since XX/XX/XXXX. 


I called the utility company to inquire why I received a letter

from TSI & why this account was in collections They reassured me that they would notify TSI that it was paid. That never happened.

I called TSI today XX/XX/XXXX to let them know I do not have a debt & the debt was paid. There was an error with the utility company & I also had an entire new account with the utility company that I knew nothing about which had a balance. I also paid that day I spoke to the company. 

I called TSI today XX/XX/XXXX to inform them that there is no debt. They stated that they haven't received anything.They asked me to send an email to dispute the information to someone named XXXX. I do not want to send anything to someone named XXXX. I initially was going to send an email however I will be sending a certified letter as well as making this this complaint with CFPB. I was informed by XXXX that this is the only way to resolve the debt & once validated it takes a week or so to resolve. 

I contacted the utility company again today and asked why the information has not been sent that this account is paid it has been 2 weeks since I called. They informed me they would send an email to the department that handles the communication today to inform TSI.
Product: Credit reporting or other personal consumer reports

They refuse to report my correct address that I have lived at since XXXX of 2023 even though I have uploaded and mailed documents to show I live at this address. 

My current address is : XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX
Product: Checking or savings account

On XXXX I have contacted Marcus XXXX  by Goldman Sachs to find out my savings account details for a wire transfer. I have done this by logging in to my account at marcus.com website and using the chat system on the website. 

The chat agent gave me the following details for the wire transfer to my account : Account number : XXXX. 
Bank name and address : Goldman Sachs Bank USA XXXX XXXX XXXX XXXX XXXX, Utah XXXX. 

My sister has transferred XXXX XXXX USD to the above mentioned details on the same day ( wire confirmation attached ) from her account with XXXX XXXX XXXX 

I have started to check my account every few hours after that but haven't seen the transfer. I contacted Marcus XXXX  numerous times to find out why the money is not being credited. At first, Marcus XXXX  told me that the funds haven't arrived yet. Then they told me that the transfer has been rejected. Then they told me that the transfer has never been received. 

I asked several times to provide any form of confirmation that the transfer hasn't arrived or was rejected/ sent back to XXXX XXXX XXXX Marcus XXXX  refused without explaining the reason. Today is XX/XX/2022 and I still can't get any information from Marcus XXXX. 

Please help.
Product: Credit reporting or other personal consumer reports

I made phone calls to XXXX, Equifax and XXXX customer representative departments on XX/XX/XXXX. Inquiring as to why my XXXX XXXX credit card payments have not been reported by their credit bureaus yet. I called XXXX XXXX and they said they had reported it to the credit bureaus. I acquired my XXXX XXXX XXXX card on XX/XX/XXXX. But each one of the XXXX, Equifax and XXXX customer representatives said they didn't even show an credit card account open under my name or any credit card payment activities. According to the information I am aware of, my on-time credit card payments to XXXX XXXX should have been reported by the three credit bureaus mentioned by now.
Product: Mortgage

According to a statement that I received in XXXX, my escrow account had an overage of over {$11000.00}. My taxes and insurances have been paid. I was told I would be issued a check within 30 days. According to the company, a check was issued on XX/XX/23, however this was voided. I was initially told it was returned via the mail ( although sent to the correct address ) then subsequently told it was written for the wrong amount and they actually owed me ~ {$15.00} dollars (? ) more. A new check was being issued and it would be arriving in 10 days. I have called several times since then and have received a variety of answers- had to go through a second verification; making sure all bills were paid on the property ; escrow department needing to approve. As of today, XX/XX/XXXX, the check has not been issued. No one can tell me why. I have made several calls. This is a substantial amount of money and, to be quite honest, I am concerned about this company. Our mortgage was sold to SPS by XXXX XXXX, so did not choose them.
Product: Credit reporting or other personal consumer reports

Predatory loan at 25 % APR - $ XXXX balance written off as profit/loss by XXXX. Please update each of the XXXX major credit bureaus to reflect XXXX balance. Provide me a 1099-C for debt cancellation.
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 the recent CFPB lawsuit. I would like to highlight significant issues Ive faced 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.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc. ) due to Inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely And effective measures to prevent an address fraud on their platform. Leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process Was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I REACHED OUT TO THE COMPANIES THAT HAVE THESE FRAUDULENT ACCOUNTS ON ALL 3 OF MY CREDIT REPORTS ASKING FOR PROOF SHOWING THAT THESE ACCOUNTS BELONG TO ME. THEY HAVE YET TO PROVE THESE ACCOUNTS BELONG TO ME. THEY ARE CONTINUING TO REPORT FRAUDULENT INFORMATION EVEN AFTER BEING NOTIFIED.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX on my XXXX XXXX, XXXX, XXXX are not accurate. my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I never lived at another address in the past 10 years. my name is : XXXX XXXX XXXX XXXX XXXX XXXX NAME : XXXX XXXX XXXX XXXX XXXX I XXXX ALSO KNOWN AS : XXXX, XXXX, XXXX DATE OF BIRTH : XXXX XXXX XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX XXXX NC, XXXX XXXX XXXX XXXX XXXX NC, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC, XXXX / XX/XX/XXXX / PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX VA, XXXX XX/XX/XXXX EMPLOYER : MILITARY XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX NY XX/XX/XXXX RETIRED XX/XX/XXXX MILITARY XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX/