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

I accordance with the fair credit reporting act convergent an account with my Auto loan company and the bureaus has violated my rights.

15USC 1681 section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I traveled as I always do beginning in the Fall of XX/XX/XXXX to XXXX  for vacation and returned in XX/XX/XXXX to the US. Prior to leaving I put an excess amount in my credit card balance to cover any recurring payments and fees while I was away. However, Bank of America without my knowledge or consent decided to mail the excess balance to my residence in the form of a check while I was away. As a result, my credit card payments were not posting and I was being penalized with fees for not paying down the balance. My credit report eventually had my account as missing a payment damaging my score from a prior 100 % payment record. My credit limit also went from $ 10k to {$500.00} from the missed payment.

I contacted BofA upon my return to discover what happened and had no luck getting the credit report missing payment corrected or the fees associated with the missed payments. My credit limit was also not reversed to my prior limit.
Product: Credit reporting or other personal consumer reports

My information was exposed in a data breach. These accounts listed do not belong to me. 

XXXX XXXX XXXX XXXX acct XXXX, Bal- {$6100.00}, Date opened : XX/XX/XXXX XXXX XXXX- acct XXXX, Bal- {$6700.00}, Date opened : XX/XX/XXXX XXXX XXXX XXXX, Bal- {$930.00}, Date opened : XX/XX/XXXX XXXX XXXX XXXX- acct XXXX, Bal- {$130.00}, Date opened : XX/XX/XXXX XXXX XXXX XXXXacct XXXX, Bal- {$330.00}, Date opened : XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently had two companies put a inquiry on my credit Experian credit report unauthorized on XX/XX/2018.

XXXX XXXX XXXX XXXX : Address XXXX XXXX XXXX XXXX XXXX, Tx XXXX Phone : XXXX   I contacted this Bank and spoke with several departments and they said they do not have any application on me and that they don't know who pulled my credit and refused to give me a letter showing that, so I could give to Experian because they said they cant give me a letter due to I haven't filled out any application. I don't understand why my credit was pulled by them in the first place. I want this removed from my credit and have exhausted every other option and Experian suggested I contact y'all.

XXXX, XXXX XXXX XXXX XXXX XXXX, TN XXXX  Phone : XXXX Never heard of them before, will not answer the line given above. This company seems to be a scam artist. I have called everyday and a ladies voicemail name XXXX  is all you will get. They were not authorized to pull my credit. I need some help here.
Product: Credit reporting, credit repair services, or other personal consumer reports

During the month ofXX/XX/XXXX, I submitted a request for a Goodwill adjustment of my credit reports. The Adjustment was denied. My adjustment was based on the fact of my wife XXXX XXXX  on XX/XX/XXXX. The late payment was reported along this time frame as well. The missed payment was an inadvertent error on my part due to the dilemma I was in at the time. The payment was made current immediately and the account has been paid in full prior to terms of the agreement. I honestly feel my request was reasonable and I also feel that this creditor is being unreasonable in this instance based on the circumstances aforementioned.
Product: Credit reporting, credit repair services, or other personal consumer reports

Grettings, I have a problem with my credit report, because I was disputing all my errors and the credit bureaus didn't remove them. I sent 4 rounds to all the credit bureaus such as : Transunion, XXXX and XXXX, but they didn't answer me. I want to remove the inaccuracies, inquieries that I don't authorized them, and negative accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the TransUnion Credit Bureau XX/XX/XXXX to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. I've talked to the bank & they've agreed to remove the account. BUT TransUnion has some internal block which they're claiming they can use to not remove the account because they feel they're above the law. When questioned why they're not accepting the dispute letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the dispute letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy ... as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 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. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at TransUnion 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 item 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. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all.
Product: Checking or savings account

I made a cash deposit using a Drive-thru ATM at XXXX, PA on XX/XX/2019 around XXXX. I deposited {$1100.00} at first time and the ATM returned {$100.00} back to me, then I put another {$2000.00} then closed the whole transaction. I found out it only showed the system took {$2000.00} not the {$3000.00} in total on the same day. All {$3000.00} are 30 latest version of {$100.00}. I just got them at a bank from XXXX. The money is brand new. I called the Wells Fargo and made a claim on XX/XX/2019, but they refused my claim on XX/XX/2019. 

Based on Regulation E Electronic Fund Transfer Act from Federal Reserve System,  " the financial institution determines that no error occurred or that an error occurred in a different manner or amount from that described by the consumer, the financial institution must mail or deliver a written explanation of its findings within three business days after concluding its investigation. The explanation must include a notice of the consumers rights to request the documents upon which the financial institution relied in making its determination ( 12 CFR 1005.11 ( d ) ). '' I requested the detailed investgation information from Wells Fargo. After multiple phone calls and long waiting time, I only got pages of time list with unexplained code and no any data shown.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX rep totally messed up my credit cra violation cost me on a loan and credit cards ftc violation
Product: Credit card or prepaid card

I have an XXXX credit card through Chase, opened XX/XX/XXXX. I have a 100 % on-time payment history for all my other accounts, so the fact that this card was ultimately closed over issues on their end when I kept trying to make payments, is very frustrating. 

I did let this account go close to 90 days past due ONE time while I was having health issues, because I did not realize it wasn't being automatically deducted like I had set up. I called in XX/XX/XXXX to address this - and here is where the issue is - unknowingly, I gave them my old account number off an old check ( from my checking account with my credit union ), and they CONFIRMED the account came up as " good '' and my payment would be deducted that month. I believe payments were due the XXXX each month. I waited the few days it usually took to come out of my debit account after the XXXX, but never saw a payment deducted from Chase.  So I called back to find out what happened and at this point my account was now 120 days past due in XXXX. They asked me to confirm my checking account information that the payment should have been pulled from - again, unknowingly, I gave the old check numbers, and once AGAIN they said the account was valid and my payment would be processed. It wasn't processed. This happened three months in a row, putting me 180 days past due in XXXX - even though I was trying to pay! After 3 months and nobody being able to figure out why my payments weren't going through, a manager looked and figured out the checking account was NOT active. So I got the correct routing numbers from my bank and they put them in, and then it showed up as " not a valid account ''. I just wanted to pay my bill, but every time I called I felt like I was getting the run around and nobody knew what to do. 

My account was shut off due to non-payment, even though I WAS TRYING TO PAY. They set up a payment plan, and I have been paying {$100.00} each month, on time, for over 2 years. And what is frustrating about this, is I was having to physically go into a Chase branch to pay my bill. They told me that since my payment didn't go through so many times when I was accidentally giving my old checking account numbers ( even though they said it came up as a good, active account ), that now there was a hold on my account and the new, correct routing numbers show as " not valid '' on their end. 


Bottom line - I messed up by being late those first 90 days due to extraordinary circumstances, but I was TRYING to pay my bill and was being told each month that everything was set to work and go through, and then it wouldn't. So my account was shut off even though I was trying to pay my bill. I have a great credit and payment history besides this one thing, so this whole situation is so out of the norm for me and I'm upset how much it has affected my credit.
Product: Money transfer, virtual currency, or money service

I am wringing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlight significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that trucking these transactions was infeasible. The CFPBs finding indicates that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scam.

This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit reporting or other personal consumer reports

Equifax is NOT investigation thoroughly accounts that are been disputed by consumers such as myself. I have contacted Equifax specifically via certified letter ( please see attachment ) concerning the verification of a total of three ( 3 ) accounts that can not be verifiable. The first two accounts are with the company XXXX XXXX. XXXX XXXX, account # XXXX and the second account, XXXX XXXX XXXX. Also, I have disputed online with Equifax requesting to remove the accounts. Due to limitation of choices that a consumer can choose, I chose the best option, account is not mine. 

To do my due diligence, I have reached out to the company, XXXX XXXX, and they sent a total of four ( 4 ) letters. Two for each account ( please see attached ) that indicates, an application was taken over the phone or the internet but could not provide paper copy to send to me to validate the account actually belong to me. The second letter indicating they was not able to provide copies of any documentation associated with these accounts, bearing my signature. In addition, allegedly stating dates and amounts that DO NOT MATCH any information on my Equifax Credit report. ( credit report attached ) I specifically requested Equifax to send me VERIFICATION of how they would conduct their investigation of these accounts. Yet, I have received two updated Equifax credit reports confirmation # XXXX and confirmation # XXXX, which both reports results from the dispute is stated on my credit report now resolved by data furnisher. I DO NOT consent to e-Oscar or any means of automated verification. Which means, after receiving letters from XXXX XXXX, who could not accurately validate these accounts, Equifax did not provide an accurate investigation. Therefore, Equifax CAN NOT AND IS UNABLE TO VERIFY THE ACCURACY of these accounts if they companies are indicating they can not. 

Lastly, I have contacted Equifax specially via a certified letter and via online concerning the account XXXX XXXX. I did my due diligence and reached out to XXXX company, and they provided their response via the CFPB portal # XXXX stating they contacted Equifax XX/XX/2024 to remove their tradeline off my credit report as they have terminated collections on the account ( see attachment ) As of today, Equifax still have not remove this creditor off my report. Equifax has not done a proper investigation and this is a violation under the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refused to remove a collection and late statement made by XXXX after I submitted PROOF that XXXX did NOT provide the service as agreed. I was unable to get basic XXXX cellphone service in my HOME, despite numerous complaints to XXXX they were UNABLE to provide service. Experian is reporting FALSE information about my account with XXXX. Experian is taking the word of XXXX, despite the proof that I provided. I have NO problems in my home cellphone service with XXXX. Therefore, the information should be REMOVED from my Experian credit report!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to buy a house and Equifax has negative info on my Credit Score that should not be there. I have called Equifax 3 times and all 3 times I have been told via an automated system I can not talk to a customer service rep. I called a 4th time somehow i got a customer service rep. and After I verified My ID i was told I cant be helped because I answered something wrong on their automated system. First of all their automated system is terrible barely audible and the security questions had nothing to do with me. I have tried to access my acct on line and requested reset emails approx 20 times including to 2 different emails. This business is impossible to contact via phone, email or a live person. Equifax is the only credit agency doing this to me. The Cares act due to covid 19 suspends all payments and interest to federal student loans until XX/XX/2020. I have have several pieces of correspondence from my student loan provider XXXX stating this. But Equifax keeps showing interest and missed payments and increase in balance which in not correct. this is lowering my credit score weekly and I cant contact these Morons to correct the issue.
Product: Credit card or prepaid card

AMERICAN EXPRESS IS INCORRECTLY REPORTING TO ALL 3 MAJOR CREDIT BUREAUS THAT I STILL HAVE A BALANCE ON MY ACCOUNT. I PAID THE BALANCE OFF IN FULL IN XXXX BUT YET THEY ARE STILL REPORTING THAT I HAVE A BALANCE OF {$800.00} WHICH IS INCORRECT. 

WITH COVID19 OFFERS I AM PULLING MY CREDIT AND MONITORING IT VERY CLOSELY WHICH IS WHY I KNOW THEY ARE REPORTING AN INCORRECT BALANCE. 

THIS IS NOT THE FIRST TIME THAT AMEX HAS BEEN CAUGHT REPORTING INCORRECT INFORMATION. FIRST THEY ARE REPORTING LATE PAYMENTS THAT NEVER HAPPENED, AND NOW AN INCORRECT BALANCE. I PAID THEM OFF 100 % IN XXXX. THEY ACTUALLY OWE ME MONEY AND YET THEY ARE DOING THIS. THIS IS ILLEGAL AND A VIOLATION OF THE FCRA. 

I AM REQUESTING THAT A FULL INVESTIGATION BE DONE AND THAT IF A MONETARY FINE CAN BE IMPOSED PLEASE DO SO. IF THIS INFORMATION IS NOT CORRECTED ON ALL ASPECTS OF MY AMEX ACCOUNT I WILL BE SUING THEM FOR FCRA VIOLATION AND THAT IS A FINE OF {$1000.00} PER INSTANCE REWARDED TO ME BY THE COURTS.
Product: Debt collection

Im currently working with a financial advisor in order to repair my credit. I saved up for months to be able to pay the debt and was under the impression it was already removed from my credit report considering I no longer owe them with that said the account is still reporting on my credit report and affecting me negatively despite all of my efforts.
Product: Credit reporting or other personal consumer reports

TRANSUNION HAS STOP MY DISPUTES ON XXXX ACCOUNTS AND XXXX HARD INQUIRIES THE ACCOUNTS I WANTED TO BE DISPUTED AND BLOCKED KEEP IN MIND THESE ACCOUNTS WERE NEVER BLOCKED BY TRANSUNION BEFORE AND THEY ARE DENIED MY FRAUD BLOCK REQUEST 6 TIMES THE ACCOUNTS I WANTED TO DISPUTE AS FRAUD/IDENTITY THEFT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BALANCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BALANCE XXXX XXXX XXXX XXXX XXXX BALANCE {$0.00} IM DISPUTING A COLLECTIONS ACCOUNT XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX BALANCE {$3200.00}
Product: Credit card or prepaid card

Wells Fargo bank charged me in XXXX XXXX a late fee. The explanation being that I paid my monthly payment late. This is not true. They have since reversed the fee but as a " courtesy '' and have not corrected their records to show an on time payment. 

The minimum payment for this installment credit is {$220.00}. I have Wells on auto pay from my bank since XXXX XXXX. I send XXXX each time. Each month the check was cashed on time except for XXXX. Wells had my money on time in XXXX ( remember auto pay ) but did not cash it until late XXXX and claimed I sent it late. 

I have written to Senior Management and the BoD asking for an explanation and correction of the records. They have not replied. 

My guess is that they have operational difficulties or trying to extract additional fees from customers.
Product: Credit card or prepaid card

Synchrony Bank fails to honor its policies regarding disputed transactions. In later XXXX, I bought airline tickets with my Synchrony Mastercard ( around $ XXXX XXXX for a international trip on XX/XX/XXXX. In mid-XXXX the air carrier notified me that the flight was cancelled and failed to issue a refund in a timely manner. Thus, I was forced to file a dispute with Synchrony. Upon filing, I was informed of the policies which stated that Synchrony would investigate the dispute in up to 60 days. Throughout this period, I called numerous accounting managers to get updates, and documented these exchanges. Having been through this situation before with another credit card issuer, I asked for procedures in the event that the merchant does not respond to Synchrony within 60 days. I was told that if that is the case, then Synchrony would issue a temporary credit and allow the merchant another 30 days to respond. If the merchant failed to do so, the case would be considered closed. I filed on XX/XX/XXXX. As the XX/XX/XXXX deadline got near, I was told to rest assure that the case would be resolved in the 60 days. Well XX/XX/XXXX came and went and I still have not received an update. Moreover, the communication with the Synchrony dispute team has been minimal, at best. With other credit card issuers, such as XXXX and XXXX, their dispute team followed up with me periodically to provide updates. Despite providing numerous documents, Synchrony has neglected to reach out to me. Since their dispute involves a air carrier cancelling the flight and failing to issue the refund, the resolution is clear. As per a pair of Department of Transportation ( DOT ) memos, air carriers are mandated to provide refunds to customer. Since the services were not rendered, it is up to Synchrony to provide me with a refund in a timely manner. I have provided Synchrony 's dispute team with a plethora of evidence, documents and letters outlining the reasoning for my dispute. Unfortunately, Synchrony is not living up to its own dispute procedures. I expect Synchrony to respond with a revision of their dispute terms. The reason for this is every time I catch one of their account manager in a lie, they pause and then note that the previous account manager who provided me with a specific piece of information was in the wrong and they are in the right.
Product: Debt collection

This debt collector is claiming that I owe XXXX XXXX {$330.00}. I sent them a correspondence on Monday, XX/XX/2023 disputing the amount owed. I only owe {$85.00}. I requested for them to send me or have XXXX send me a return kit for the modem they are charging me for. Before this debt collector took over my account, I had requested for XXXX to send me a return kit, which they ( XXXX ) had stated they would send me when I closed the account. I have yet to receive a return kit to return the modem. 

Once again, I will not pay for a modem that I can return and have asked more than once to receive a return kit from XXXX to return it. I'll be more than happy to pay what I owe, which is {$85.00}. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted request the Free Annual Credit Report online to Equifax and after providing all my correct information as requested by them and and answering all there questions for verification. 

THEY DENIED IT.