23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

I contacted Discover Bank regarding my personal loan ending in XXXX which I had any issues before on regarding changing my due date. My pay schedule from my employer had changed and I needed to change my draft to the XXXX th of the month. I gave them advance notice however i was notified this would not go into effect until XX/XX/2021. I paid a partial payment and my credit card which is current and set up payment arrangements for the remaining balance on XX/XX/2021. Discover personal loans then which is a separate consumer product and has a separate disclosure sent to customer has absolutely nothing to do with my credit card which was established years before I even requested a personal loan. When I called customer service to inquire why was there a hold on credit card from the personal loan department I got the run around saying it was company policy. I asked the representative where is that in the consumer disclosure issued to consumers that other products or services would be disrupted or not available even if they are current. The representative couldnt find any ounce of documentation disclosed to the consumer that had this information. I was on hold for a while and even reviewed my personal loan agreement which does not state explicitly anything where if suitable payments or payment arrangements are set even on accounts in current status services would be altered. I am not sure how a financial institution is allowed to alter services from an entirely different consumer service or product that were not established at the same time or year that do not have the same payment or fees together. This is in violation of the fair debt collection act
Product: Student loan

I consolidated my loans in XX/XX/XXXX to the Public Service Loan Forgiveness program. I have 2 letters from XXXX XXXX dated XX/XX/XXXX and XX/XX/XXXX stating I chose the Income Contingent payment plan - which is the correct plan.Fed Loan is not counting I filed a complaint and had my case " escalated '' and they are still not counting the payments made from XX/XX/XXXX - XX/XX/XXXX. I have documentation of the payments made and a letter stating my payments would start XX/XX/XXXX. 
I received a letter from Fedloan regarding my case and they still refuse to accept those payments. 
I have documentation of all my payments made and correspondence between me and the student loan companies for the past 10 years.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

My homeowners insurance has been escrowed with my morgage since I purchased my condo back in 2015. Rocket mortgage took over servicing or bought my mortgage from XXXX in the last year and did not escrow my homeowners insururance which lapsed for non payment. I am in the process of getting the insurance coverage back in place but a new policy must be issued which will be a higher rate due to cancellation/lapse in coverage. In my opinion Rocket mortgage is at fault here and responsible for this lapse and I have never had to pay directly to the insurance company since it has always been escrowed. Reaching out to Rocket mortgage has been useless so far. Their staff specifically XXXX is very rude and zero help. Explained she has a boss but her bosses do not take phone calls from customer or return calls to customers. Something has to be done where a company drops your escrow without your permission and does nothing to rectify the situation.
Product: Credit reporting or other personal consumer reports

In the middle of XXXX, my twin brother applied for a credit card. The bank submitted XXXX  information to the bank and the credit bureau ( Equifax ) sent MY information and credit report. This occurred twice, onces on XX/XX/XXXX and once on the XXXX. It negatively impacted my credit my XXXX XXXX. I called the bank to ask what happened they didnt know and looked into it. I had to ask the bank to contact equifax on my behalf for the hard inquiries to be removed. As of today they are now soft inquires. Equifax FALSELY reported my information without permission and without it even being requested.
Product: Mortgage

On XX/XX/2019, I opened escrow on a property with One West Bank 's home mortgage division, this is after multiple calls with the lender to get timelines and list of documents. On the same day, I sent ALL of the documents on the list of required documents to XXXX XXXX, the loan officer, no missing files. On XX/XX/2019, I called XXXX and she informed me that I need to sign some documents online. I immediately went online to sign and notice there was a mistake on one of the forms and told her to get it corrected and send back to me. It wasn't until XX/XX/2019, 10 days later, I called her to followup since I haven't heard anything, she told me that NOTHING has been done on their end and when I logged into their online portal, the wrong form was still in there. I asked her to get the processor to change the form. Effectively, she did NOT followup as she should have, and did not move the process along. 4 days later on XX/XX/2019, the day that I was suppose to sign off my loan contingencies, I received an email from XXXX telling me that the underwriter needed more documents and that the INITIAL review hasn't even been completed yet, and the purchase agreement clearly spelled out sign off of loan contingencies on XX/XX/2019, and that we were closing escrow on XX/XX/2019. On XX/XX/XXXX, initial hasn't even occurred yet. At this point we have wasted 3 weeks of time and nothing was moving along, AND she did not communicate or inform me or did ANYTHING to push things along. I then called her manager XXXX, who promised me that he would make some calls and move things along. Then I was emailed by another processor, XXXX who then 3 days later send me another LONG list of documents required by the underwriter. Both XXXX and XXXX seems very incompetent, and neither could explain to me what the underwriter wanted. They each gave me a complete different answer regarding a particular document that was needed. Their lack of understanding and knowledge of the underwriting process was absolutely ridiculous and unprofessional. After I had provided all the document requirement only to find out a day later when i proactively called the processor that she still needed 2 pieces of documents from the escrow and that she wasn't proactively obtaining, and refuse to submit the documents from underwriter until all of the documents are done. XXXX and XXXX, the processor are both non-communicative and I have to call them constantly just to get information, as they continue to hender process and extend my closing date. Their competence is costing me $ XXXX of earnest deposit that I owe to the seller and escrow, and this is unacceptable. I have over 100 emails and call logs regarding this process, not able to upload all of them. Thank you for your investigation into this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are reporting incorrectly an account where I am shown as an Authorized User on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit card

Synchrony bank fails to investigate fraud, or protect consumer accounts. They continue to refuse acknowledging their gross negligence in protecting the security of my account, as this credit card was used without my knowledge and my fraud claims fall on deaf ears. " XXXX XXXX '' from the last response put zero effort into resolving this issue which I wil bring forward again until it is resolved. 

I opened a credit card in XXXX and made one purchase on XXXX. Shortly after, I destroyed the card. In XXXX Synchrony allowed this credit card to be used without verifying that the buyer had it in their possession. Since the card was long gone, there is no way the buyer could enter the 3 digit security code on the card. I was not prompted via XXXX, and once I learned of the charges months later, I have been reporting fraud ever since through their fraud line, and no one has corrected it. It took multiple outreaches for them to close the card at my request, and they continue to open new accounts in my name with new account numbers, making it imposisble for their customer service people to locate the account to assist. 

Instead of correcting their mistake, they have snowballed interest and fees on this small balance for over two years, creating a bill of almost {$400.00}. 
My Amazon account is a shared account, as is the laptop, and this is not an uncommon practice among amazon users. 

After 2+ years they will not disclose proof that I was without a doubt involved with these XXXX purchases. They can not show proof because there is NONE.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act account : - XXXX  XXXX BANK XXXX XXXX Date of Inquiry XXXX, - XXXX  XXXX BANK XXXX XXXX XXXX XXXX Inquiry XXXX, - XXXX  Date of Inquiry 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 a account without my written instructions
Product: Money transfer, virtual currency, or money service

I am writing to formally address my concerns regarding Zelles handling of business disputes, particularly in light of the recent CFPB lawsuit highlighting 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 tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but also has allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety
Product: Credit reporting or other personal consumer reports

Please see attached XXXX. Do not close this complaint stating it is not me. I am a natural person and a consumer.
Product: Credit card

My credit card was charged around {$500.00} for things I did not purchase. I reported these purchases as fraud. My bank then denied the charges were fraudulent. I called the bank a second time and they went to a redetermination group that also denied it was fraud. I have never shopped at those institutions and have only ever reported fraud XXXX other time in my history with this bank ( around XXXX or XXXX years )
Product: Credit reporting, credit repair services, or other personal consumer reports

A police report was sent to remove fraudulent accounts to be removed
Product: Credit reporting

XXXX account # XXXX The late dates are an inaccurate representation of my billing history with this company. They did not deliver my furniture as specified. I have a long history going back and forth ; it took them more than 90 days to complete delivery of the goods purchased. During which time they were accuring billing and late fees. However, until they delivered my furniture as agreed, they should have begun billing me. I began paying them when I recieved my furniture order in full.They are claiming I 'm late and reporting dates are inaccurately. I paid them in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, but they also began billing me before delivering my products undamaged.
Product: Credit reporting, credit repair services, or other personal consumer reports

Showing loan under my name for XXXX XXXX XXXX which i never had vehicle with as we look up the vehicle the company don't ever own the vehicle
Product: Credit reporting, credit repair services, or other personal consumer reports

Convergent Outsourcing responded to complaint :  XXXX  the representative  XXXX   XXXX  stated that the company would remove the account from my credit report.  <P/> Ive called the number she gave in her response to the CFPB and it was not to her Ive sent an email to the email address she gave and they have all come back undelivered.   I have called the convergent outsourcing number to have them tell me, the account is still showing on my report and " if it were to be removed it would be done in 45 days. '' In my earlier statement I told the CFPB and the rep from convergent that this inaccurate bill is negatively influencing my career, as maintaining good credit is a requirement.   In addition I told the CFPB of the   XXXX   continuing to fight with the company for repeatedly putting false information on reports and not adhering to federal law.  <P/> this company needs to be fined, stopped from practicing or sued!   if this inaccuracy causes me my career, I am suing.
Product: Credit card or prepaid card

Synchrony bank has been illegally obtaining customers credit reports/data without permission to make adverse credit decisions on accounts in GOOD standing with no issues. 

I had a perfectly fine account closed by Synchrony bank. No late payments, no issues, just closed. First was the Mattress Firm XXXX, they sent me a letter similar to the one you will see for my Lowes account, which they JUST lowered my credit line for NO reason. But illegally obtained information I did not authorize them to have aka My credit report. 

This has happen before, and I currently bank with : XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX and more, and Synchrony is the ONLY business doing this. Please read my letter, and see for yourself if you believe this is something a US based company should be doing. I didn't authorize them to check my credit, at the worst time of the year, of course my score is low only due to credit utilization. No late payments, no other information on my credit report is horrible, which I will provide to CFPB if needed to prove this is not only illegal in action by Synchrony but completely Unjustifiable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a car from XXXX XXXX  on XX/XX/XXXX XXXX i was unsuccessful in purchasing the vehicle even though XXXX XXXXXXXX established that i have a XXXX credit score which I worked very hard to get. I accepted that I wouldnt get the car and moved on, after about a week I received a call from the dealership, which i missed. I instantly returned theyre call and i was informed that no one called me because the company is closed. i showed them proof of call that someone at their institution called. they denied and said theyre closed for the day. I suddenly decided to check my credit score only to see it lost XXXXpoints after I received a miss call from the same company i was not doing business with any more. i called them to ask why is my credit being run even though we arent conducting business anymore. I was transferred immediately and told me they do not know why. This was after theyd told me they were already closed and no one was available to talk. i have made several attempts to talk to some one in charge but they all had a nonchalant attitude so i then realized this company maliciously did this to hurt my credit score. They deliberately lied to me. They ran my credit over and over again without my permission. they did not have permission to run my credit because the conversation about getting a car was over and done with over a week back!
Product: Credit reporting or other personal consumer reports

Loans and or charges against my information which are not mine. Also discovered the address they are using to take out loans/charges is not mine either. I have disputed with all XXXX creditors. I also have XXXX and XXXX XXXX ( disputed on these as well. ) XXXX XXXX, Balance of {$1200.00}. XXXX shows this was opened in XX/XX/XXXX. Not mine. I have disputed this numerous times. These account was opened under a false address that does not belong to me either. 

XXXXXXXX XXXX  XXXX, Opened balance of {$270.00}. XXXX XXXX shows this account was opened XXXX XXXX. This account is not mine. I have disputed this numerous times. This account was opened under a false address that does not belong to me either. 

I have disputed the address that these accounts are assigned to. Never lived at the address that these are associated with.
Product: Credit reporting, credit repair services, or other personal consumer reports

Discharged Chapter XXXX reported XX/XX/XXXX - I have disputed this as the record should have been removed after 7 years. It has not been removed. It is currently affecting my credit score and ability to rebuild my credit score. 

XXXX Dept of Education Balance {$7200.00} Reports 5 late  payments -- - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX disputed with credit report companies These were not late payments as they were deferred. 

XXXX Dept of Education Balance {$4000.00} Reports 5 late payments -- - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX disputed with credit report companies These were not late payments as they were deferred. 

XXXX Dept of Education Balance {$1900.00} Reports 5 late payments -- - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX disputed with credit report companies These were not late payments as they were deferred. 

XXXX Dept of Education Balance {$3900.00} Reports 5 late payments -- - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX disputed with credit report companies These were not late payments as they were deferred. 

XXXX Dept of Education Balance {$9300.00} Reports 5 late payments -- - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX disputed with credit report companies These were not late payments as they were deferred. 

XXXX XXXX Credit Card Reports late payment XX/XX/XXXX This payment was covered under payment protection which is a paid for service on my account and covered the payment for the month. 

XXXX XXXX Credit Card Reports late payment XX/XX/XXXX This payment was covered under payment protection which is a paid for service on my account and covered the payment for the month.
Product: Debt collection

At the beginning of this year my credit score dropped abruptly, I realized that ABILITY RECOVERY SERVICES put a medical collection of {$1500.00} on my credit report that I was not aware of, after investigating I realized that this account is from more than 6 years ago ( it is dated XXXX  ). This account does not belong to me. Also I contacted the company to give me more information about this account because I really want to fix it since this is negatively affecting my life and my emotional health. The company representative was very rude and hostile and said that they had my information and that with my information they could collect that debt, however I have never seen the original bill although I did ask for it but they did not send it to me. I ask that this account be removed from my credit report please.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a XXXX XXXX credit card and I was denied with a credit score of about 400/850. I requested a credit report from and it shows 2 accounts ( XXXX XXXX XXXX $ 5000+ ) XXXX XXXX ( $ 400+ ) that are ( Responsibility : Individual ) and are both late 90+ days, along with this they are over balance. I DO NOT have accounts with XXXX XXXX or XXXX XXXX XXXX XXXX, and will contact my local Police station tomorrow to file a report of fraud/identity theft. 


XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX Balance : {$26000.00} XXXX XXXX Balance : {$23000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$26000.00} XXXX XXXX Balance : {$23000.00} XXXX XXXX Balance : {$26000.00} XXXX  XXXX Balance : {$23000.00}
Product: Credit reporting or other personal consumer reports

Complaint Details : Summary : I am filing this complaint to report violations of the Gramm-Leach-Bliley Act ( GLBA ) by XXXX XXXX XXXX and Equifax XXXX XXXX XXXX XXXX improperly shared my nonpublic personal information ( NPI ), specifically my payment history, with Equifax without my consent and in violation of privacy provisions under the GLBA. Equifax also violated consumer protection laws by accepting and using this unauthorized information. 
Details : 1. Nature of Information Shared : o The information shared includes detailed aspects of my payment history, such as on-time payments, late payments, and missed payments. This constitutes nonpublic personal information ( NPI ) as defined under 15 U.S.C. 6809, which includes " personally identifiable financial information. '' 2. Unauthorized Disclosure : XXXX XXXXXXXX XXXX XXXX reported this payment history to Equifax without my explicit consent. This disclosure was made outside the permissible parameters set forth in the GLBA. 
XXXX. Violation of Privacy Standards : o The Gramm-Leach-Bliley Act requires financial institutions to protect the confidentiality and security of XXXX and to provide consumers with privacy notices explaining how their information is collected, used, and shared. XXXX XXXX XXXX failed to provide an adequate privacy notice and did not offer an opt-out option as mandated by the Act. Equifax, by accepting and using this information, also failed to ensure compliance with privacy standards. 
Specific Consumer Laws Violated : 1. 15 U.S.C. 6801 ( GLBA ) : Protecting the confidentiality of XXXX. 
2. 15 U.S.C. 6802 ( GLBA ) : Providing privacy notice and opt-out options.

3. 15 U.S.C. 6803 ( GLBA ) : Initial and annual privacy notices.

4. 15 U.S.C. 1681b ( FCRA ) : Permissible purposes for consumer reports. 
5. 12 U.S.C. 5531 ( Consumer Financial Protection Act of 2010 ) : Prohibiting unfair practices.

6. 15 U.S.C. 45 ( Federal Trade Commission Act ) : Prohibiting unfair or deceptive acts. 
Calculation of Fines : Each violation incurs a fine of {$1000.00}. With XXXX violations identified for both XXXX XXXX XXXX and Equifax, the total fines for each entity would be : XXXXviolations XXXX XXXXper violation= {$6000.00}
Product: Credit card or prepaid card

Capital One has been paid and closed out. They put another credit card on my credit report. The closed the credit card immediately with a balance. I believe there is some fraud activity going on with capital one credit card. I only had one credit card with them and it was closed on XX/XX/2020. Why are they still reporting on my XXXX credit report. There was another charge of XXXX dollars and closed account. Please help me with this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reports violates my rights to financial privacy under 12 U.S.C.CHAPTER 35 XXXX XXXX XXXX XXXX # XXXX XXXX $ sold to collections. 
XXXX XXXX XXXXXXXX sold as charge off. 
XXXX XXXX XXXX XXXX XXXXXXXX charge off for XXXX $ XXXX XXXX # XXXX sold as charge off. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX charge off XXXX $ XXXX XXXX # XXXX charge off for XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX # XXXX incorrect balance of XXXX $ also violates my rights to financial privacy. File number XXXX issued XX/XX/2022.