23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/XXXX, I arrived at my residence letter from my bankruptcy lawyers indicating the action that the popular bank against me is taking in the bankruptcy court informing me that they want to charge {$150.00} for lawyer services for indicating changes in the mortgage payment. For my state of bankruptcy submitted and in defense my lawyers inform me the situation and I do not agree with this action of the bank because for all the years that I carry my mortgage nonca I was charged for such information for such reason I raise this complaint towards the banking entity
Product: Student loan

XXXX XXXX XXXX, XXXX XXXX of XXXX I requested to have my co signer released from my Discover Student Loans which were originally disbursed and serviced by XXXX, XXXX. 
I received the attached letter denying this request, stating my credit score resulted in the denial for the reasons below. My Credit Score is XXXX which is below average however I have an excellent payment history with Discover and all of my student loan servicers despite the astronomical amount and unbearably high interest rates. My interest rate with Discover is 10.875 %. 
1. ) Serious Delinquency2. ) Proportion of Balances to Credit limits is too high on bank revolving or other revolving accounts. 
3. ) The time since delinquency is too recent or unknown4. ) Proportion of loan balances to loan amount is too high. 
Please see my responses below to each numbered item. 

RESPONSE TO 1. ) There are no delinquencies on my credit report and to the best of my knowledge there have been no delinquencies in my financial history since XXXX. Please see my full credit report attached. 
RESPONSE TO 2. ) I have minimal Credit Card Debt of {$800.00} which is paid on time and I have no overdue balance over my limit. If this is referring to my Student Loan Balances, the balance to credit limit ratio is due to high interest rates SUCH AS Discover 's Rate of 10.875 % RESPONSE TO 3. ) The Time since delinquency is not recent. As previously mentioned there are no delinquencies on my attached credit report which has balances dating back to XXXX. 

RESPONSE TO 4. ) The proportion of my Loan Balances to Loan Amounts are too high because of high interest rates again, citing XXXX high interest rates of 10.875 %. 

CONCLUSION : This application has been denied because of my credit score which has been directly impacted by Discover and my other Student Loan Servicers. Given the predatory policies of these lenders it is almost impossible to achieve an average to good credit score. I respectfully request that Discover takes into consideration my excellent payment history, reverses their decision and releases my cosigner. 
Once my co-signer is released I will have a better chance of refinancing these loans in an attempt to build a more stable future.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX refused to permanently remove late payments shown for three XXXX XXXX loans that I took out in XX/XX/XXXX for each of my XXXX sons. The first basis for my request for removal of one loan showing in collections and all showing several months late -- severely damaging my credit -- was that I have several private student loans being serviced by XXXX. I am currently a XXXX XXXX. When XXXX advised that my " private loans '' were in repayment, and I began a payment plan, I reasonably understood that ALL student loans that were supposedly due were included in the repayment plan. Secondly, XXXX insists that the loans were not for my children despite that my children 's names are on the loan documents as the benefactors of the loans. Third, I argued that the negative entries had to be removed, as a matter of federal law, because I was never notified that the XXXX XXXX loans were in arrears. Finally, I filed Bankruptcy in XX/XX/XXXX in the XXXX District of Oklahoma. Many Circuits, including the XXXX Circuit wherein the XXXX  District of Oklahoma sits, recognize that XXXX XXXX  loans are commercial loans and not student loans that are exempted from Chapter XXXX bankruptcy. My last conversation with Navient evinced their attempt to conceal that they were collecting on the XXXX XXXX loan because the agent referred to the loans by either loan number or another acronym -- never calling the loans XXXX XXXX loans. My dispute with the credit bureau resulted in XXXX removing from my credit report the XXXX XXXX loan that is supposedly 18 months or more in arrears and in collections. Within a month of that retraction, XXXX and the credit bureaus added the loan that was in collection back on my report -- -reflecting me being {$7000.00} past due. 

My primary issue is with XXXX. However, that the credit bureaus allow me ( and others ) to initiate a dispute only to resolve said dispute by taking the furnishers ' " verification '' at face value without providing me a copy of the certification furnished denies my right to due process and to further challenge the issue. I would like for the CFPB to ( 1 ) intervene in the investigation into this particularly nuanced case regarding XXXX XXXX Loans i.e. loans taken for a third party and ( 2 ) initiate an action aimed at requiring credit bureaus to make their dispute process transparent and provide the person making the dispute with a copy of the documents upon which the Bureau relied to confirm or modify the information furnished BEFORE such action is taken
Product: Money transfer, virtual currency, or money service

I am writing to formally express any concerns regarding Zelle 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 would be impossible. The CDPBs finding indicate that Zelle has not any neglected to protect consumers but also allowed repeated offenders to exploit the system leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concern about consumer safety
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to all 3 credit bureaus and the fraudulent and inaccurate information was not deleted off of my credit.
Product: Credit reporting or other personal consumer reports

I have disputed online several times regarding multiple credit cards & collection agencies on my credit report for the same lines of credit. I called XXXX & spoke with XXXX to escalate the disputes but she refused. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX both on my credit report for the same closed line of credit/credit card. XXXX has the original creditor as XXXX XXXX XXXX both are for the same amount of {$870.00}. 

XXXX collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX have the same original creditor XXXXXXXX XXXX  but XXXX different amounts for the same closed line of credit on my report. XXXX has {$600.00} & XXXX has {$850.00}. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX are both on my credit report for the same closed line of credit/credit card. XXXX has the original creditor as XXXX for the amount of {$1100.00} but the original creditor XXXX XXXX has the amount of {$1000.00}.
Product: Debt collection

I have told this company on multiple occasions to dispute the debt. They keep calling me and then talk disparaging to me and on multiple occasions they hang up on me. One rep told me I couldn't pay my bills so she wouldn't talk to me. Other gentleman told me I couldn't dispute or talk to them about the debt until they hit my credit. XXXX has sent this to a XXXX debt collector because they know I've disputed this. This company is the shadiest and refuse to dispute the debt and act professionally.
Product: Credit reporting or other personal consumer reports

I'm in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately reinvestigated. the inaccuracies are highly injurious to my credit score. 

XXXX XXXX XXXX  Account # XXXX in accordance with the fair credit reporting act public Law 91-506, Title VI, Section 611 Please provide the names and business addresses of each individuals with whom you verified the account above so that I may follow up please send an updated copy of my credit report after your reinvestigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed chapter XXXX bankruptcy and we had an account with Ally Bank for a car loan. We did not reaffirm this loan in our bankruptcy. Ally continued to send late payment notices to XXXX. They even closed the account and opened it back up to only record another late payment. We have disputed this account 8 times and have attempted to call them. We have tried to talk to XXXX  and they say they are supplied with the info and report. We have even had our attorney contact them and they seemed to get mad and open it up and nail us with another late payment. My wife had the same account and they reported hers accurately. We are two years from our bankruptcy and my wife and I are getting ready to purchase a home. We have worked very hard to rebuild our credit and this company has continued to harass us.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Transunion Customer Service/Fraud Department regarding inquiries, not authorized. I spoke to XXXX he was very rude and refused to assist.
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to XXXX - XXXX XXXX  XXXX and XXXX XXXX XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service representative.
Product: Debt collection

Last month I requested that my mortgage company provide me with the modification agreement to substantiate the interest they are charging me in my payoff ( please see attached ). They told me they could not email or fax it, but they would get it to me in a few days. It has been more than a month and they have not sent it to me yet. They are holding me up from refinancing and I am about to lose the low interest rate that has been offered to me.
Product: Credit reporting or other personal consumer reports

I have filed numerous disputes with Equifax, XXXX, and XXXX. I have accounts on my credit report reporting late payments, but the accounts were closed and transferred before the late payment was reported. There is a 60 day grace period of mortgage transfers. The mortgage was never late. I have asked the original creditors for information, but none has been provided. I would like your assistance in making sure the bureaus actually investigate my disputes. Thank you.
Product: Credit reporting or other personal consumer reports

Unauthorized credit inquiries noted on my credit report please see attached report
Product: Checking or savings account

Account closed and no explanation. According to support violation of service policy, but will not let me appeal or tell me what I did to violate their service policy.
Product: Student loan

I have a consolidated loan for my child 's school loan. I was wondering if I can get a lower amount then I found out that Navient hasn't been above board with the loans. 
I don't know if I need to still have them take the payment out of my auto payment or should I stop it. 
Am I supposed to get some reimbursement from them. 
Please let me know what my next steps are. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 


XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX XXXX and XXXX This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

XXXX  ( Original Creditor : XXXX XXXX XXXX ) - XXXX - {$110.00} - XX/XX/XXXX ( Original Creditor : XXXX XXXX ) - XXXX - {$110.00} - XX/XX/XXXX XXXX  XXXX - XXXX - {$10000.00} - XX/XX/XXXX XXXX XXXX XXXX XXXX - {$1000.00} - XX/XX/XXXX XXXX - XXXX {$10000.00} XX/XX/XXXX XXXX XXXX - XXXX - {$26000.00} - XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This company is sharing non public personal information about my relationship with non affiliates in particular they are sharing my credit utilization percentage with non affiliates to which it is in conflict with the fair credit reporting act 15 USC 1681 ( 2 ) ( a ) ( i ) exclusion from a consumee credit report clearly states ( A ) EXCLUSIOS- Except as provided in a paragraph ( 3 ), the term consumer report does not include - ( A ) Subject to section 1681s-3 of this title, any - ( I ) Report containing information solely as to transactions or experiences between the consumer and the person making the report and in has been well established that credit utilization percentage is a transaction and experience to which should be excluded.
Product: Credit reporting or other personal consumer reports

The following account was opened as a result of identity theft and this does not belong to me. This account was opened and used without my verifiable authorization ; incurring late fees. 

XXXX Account # XXXX In accordance with the Fair Credit Reporting Act. The List of accounts below have violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681 Account Name : : 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 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 the following information items. 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 inaccurate. 



please close, delete and remove this account from my credit profile as it was opened and used without my authority as a result of identify theft and fraud
Product: Credit reporting or other personal consumer reports

I, XXXX, XXXX XXXX, federally protected consumer, a natural living being of majority status conducting the style and condition of The Principle and Beneficial Equitable Holder, and not an infant/minor, have the right to make sure that the information being listed on my consumer report is accurate, fair and equitable. There are plenty of names and plenty of addresses that does not pertain to the consumer. 

Please See Attached Documents which include the following : Personal Information Amendment Notice Passport Card ( Identification ) Power of Attorney/ XXXX  Notice/ Fee Schedule
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I mailed off a letter to Annual Credit Report Request Service requesting XXXX credit reports from XXXX, XXXX, and Experian in paper form. 

XXXX and XXXX responded by mailing the requested documents in the month of XXXX. It is over XXXX days later and Experian has not provided my credit report in paper form. My certified mail receipt shows that my letter was deposited in the XXXX XXXX for Annual Credit Report Request Service on XX/XX/2022. 

Experian 's failure to provide what has been requested of them is holding up a process and is costing me money.
Product: Debt collection

On XX/XX/XXXX, Capio Partners , LLC, located at XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX, telephone number ( XXXX ) XXXX, placed with the credit bureau, XXXX a debt of {$330.00} allegedly owed to XXXX XXXX XXXX XXXX of Texas for XXXX performed on XX/XX/XXXX. I disputed the collection, informing all parties this is an covered procedure paid through worker 's compensation and I am not responsible for any charges. 

This company alleged it was true. They reported the debt, again on XX/XX/XXXX, XX/XX/XXXX and again, XX/XX/XXXX. 

I, continually, disputed these claims, submitting an Explanation of Benefits from XXXX XXXX XXXX XXXX verifying the charges for service and the fact I did not owe the provider. 

I, faxed this information to XXXX and the account was removed from collections on my account. 

In XXXX, XXXX and XX/XX/XXXX, the same company using another name, XXXX XXXX, using the same address with a different XXXX XXXX ( XXXX ) and telephone number ( XXXX ) XXXX submitted the {$330.00} debt, again. I disputed on XX/XX/XXXX and again on XX/XX/XXXX, they claimed the debt is valid. 

I contacted XXXX via telephone, informed them this was the same company that had been deleted, now they are using another name. XXXX was able to find the supporting document I had provided, previously and are opening the case, again.
Product: Credit card or prepaid card

I traveled to XXXX inXX/XX/XXXXand used my Citibank Mastercard on XX/XX/XXXX for 1 transaction at a restaurant ( XXXX XXXX ) for {$59.00}. When I returned to the US, I found a second transaction on my account from the same restaurant for {$350.00}. I immediately contacted Citibank to report a fraudulent charge on XXXX/XXXX/XXXX and was issued a credit and a new card. 
Since then, Citibank has re-added the {$350.00} charge to my account twice ( on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX ) with the following explanation ( from a Citibank letter dated XXXX/XXXX/XXXX ) : Our investigation found that the disputed charges ( s ) is not related to a fraud disputes ( s ). You provided your credit card number to XXXX  XXXX XXXX XXXX XXXX XXXX, therefore, this charge ( s ) is not unauthorized. 

In other words, I used my card for a legitimate transaction, so they think any fraudulent transactions that occur after that are still authorized, which is clearly against my card holder agreement. 

I have submitted documentation to Citibank contesting the charge as fraud with my legitimate receipt 3 times. I have spent several hours on the phone ( on XXXX, XXXX, XXXX, and XXXX/XXXX/XXXX ) with Citibank representatives and supervisors, being passed back and forth between the Billing Dispute Group and Security Services Group, with each group saying that I needed to speak to someone in the other group. As of today ( XXXX/XXXX/XXXX ), Citibank has added the fraudulent charge back on my account. They sent a copy of the charge from the merchant and it 's very clear that the signature was badly faked ( it is not even close to looking like my signature on the legitimate transaction ) and was processed hours after I left XXXX XXXX and was back at my hotel. 

This is not only terrible customer service, but it is clearly in violation of my cardholder agreement which states " {$0.00} Liability on Unauthorized Charges You wo n't pay for any unauthorized charges made on your consumer Citibank Debit Card and consumer credit cards. ''