23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

NUMEROUS TIMES I HAVE REACHED OUT TO MACYS IN REGARDS TO THE FRAUDULENT ACCOUNT THAT WAS OPENED AND MAINTAINED WITHOUT MY KNOWLEDGE. I DID NOT AUTHORIZE FOR THE CARD TO BE OPENED OR AUTHORIZE ANY OF THE CHARGES.I KEEP SENDING THEM EVERYTHING THEY ARE ASKING FOR BUT STILL ITS NOT ENOUGH. SEEMS LIKE SOMEONE SITTING AT THEIR OFFICE IS JUST DISCRIMINATING AGAINST A WOMAN. I AM NOT SURE WHAT ELSE I CAN SEND THEM IF THE POLICE REPORT, NOTARIZED IDENTITY THEFT REPORT, MAYBE NEXT THEY WILL REQUEST A BLOOD TYPE AND STILL WIL NOT BE SUFFICIENT FOR THEM TO REMOVE THE THIS FRAUDULENT ACCOUNT FROM MY CREDIT REPORT.
Product: Student loan

I filed a school misconduct application with Navient for my private student loan and they denied my application- even though my school ( XXXX  ) has been found over and over in multiple settlements and lawsuits ( one of which I am included in ) to have engaged in terrible practices and gross misconduct. 

The letter I got from Navient letting me know my application was denied has NO reason for the denial, just says this : Navient carefully considers a variety of factors in determining whether a private loan should be discharged based on school misconduct and you do not meet the requirements for discharge based on misconduct by your school. 

No explanation or reason was given by Navient. When I called, the rep was not able to give me an specific reason either.
Product: Debt collection

XX/XX/XXXX - {$570.00} - Disputed, no validation letter, was never given account to dispute, don't recognize this debt. 
XX/XX/XXXX - {$2200.00} - Disputed, no validation letter, was never given account to dispute, don't recognize this debt.
Product: Checking or savings account

On XX/XX/XXXX I was told my account was closing and to wait at that time 30 to 60 days to receive the remaining funds in account on XX/XX/XXXX I called because I was advised citi bank accepted my tax refund check into the account after telling me they would not do any debits or credits on the account then I was advised today XX/XX/XXXX that the account was still open the last 30 days so 30 to 60 more days to equal 90 days is far fetched and causes my family hardship they should not have this account open against my will for this long after the letter dated XX/XX/XXXX says the account is closed then on XX/XX/XXXX accepted my tax refund check
Product: Debt collection

In XX/XX/2014, I was unable to pay XXXX XXXX XXXX, and my debt was sold to XXXX   XXXX XXXX, XXXX. As soon as I received payment information, I began paying them and have paid them every month every since. I have also raised the amount I'm paying them twice and attempted to arrange a payment schedule. Even once I verified my identity for them, they refused to listen to me. 

XXXX XXXX XXXX calls up to five times a day and not unusually before XXXX or after XXXX. When I answer, the person on the line often refuses to identify the company he or she works for, and it takes asking them two or three times to identify the company before they will do so. The person also usually represents themselves as someone who knows me at a personal level. Once I manage to get them to identify the company, the person calling typically asks me for personal information ( Social Security number, birth date, etc. ) to verify my identity. The person also usually requests I give my whole Social Security Number or birth date, which if the person was a scammer would leave my identity vulnerable. On a recent call, I asked the supervisor I spoke with to verify the company she worked for by giving the company 's address, an item of public record, so I knew who I was talking to, and she refused to do so until I had requested her to do so another three times. When I affirmed who I was, she refused to talk to me about my account unless I verified personal information or flat out gave it to them. Each time I have spoken to a purported representative of the company, I have requested mailed statements with details about interest, how payments are applied to the account, terms and service agreements, etc. They have repeatedly refused. Earlier this summer, I did manage to get a balance statement but only by refusing to talk further until I had at least received that information. The balance statement provided none of the other information I requested. At that time, there was no way to verify the account information other than by phone since they had not given me an account number, so I could access it online. 

It's also worth mentioning that I finally was able to access their website and checked. I am currently paying more than the minimum amount the published amount allowed for a payment plan, and they still refuse to accept what I'm sending as my standard payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted Experian everyday for 1 month. They have refused to help me. I have 2 accounts on my consumer report that are preventing me and my children from being able to purchase a home and will leave us homeless. They have violated permissible purpose, and refuse to do anything about it. I have called repeatedly just to be put on hold and hung up on. I've also emailed the CEO of the company, Me and my family are left with no where to turn. Ill be forced to file bankruptcy to try and keep my apartment as we were suppose to get a home but funding was retracted due to these accounts XXXX Card and XXXX XXXX XXXX XXXX on my consumer report. Please help me and my children.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681c ( a ) ( 5 ) Section States ; no consumer reporting agency may make any containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my consumer report I received dated XX/XX/XXXX and I have noticed various areas in the way you are furnishing my information. If you havent been made aware, there are various federal laws in place to protect me as a consumer and to construct this business transaction. As a gentle reminder you CAN NOT report/treat a payment on an open ended credit plan as late for any reason. If you need direct citation please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted you XXXX XXXX, or XXXX XXXX such authority. Your apparent and constant neglect to properly carry out your job is costing me by ruining my consumer report. This letter is an attempt to remedy the following listings you have listed on my consumer report. As I have contacted XXXX XXXX and XXXX XXXX and the corresponding information is not as listed on my consumer report. These accounts should PROMPTLY be updated as ON TIME : 1. XXXX XXXX, XXXX listed late payments 2. XXXX  XXXX, XX/XX/XXXX listed late payment
Product: Debt collection

I am writing to you in regard to the fraudulent accounts listed on my credit report. Upon reviewing my credit report, I was shocked to discover the presence of these unauthorized accounts, which have undoubtedly tarnished my creditworthiness and compromised my financial integrity. 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: Debt collection

On XXXX My business Partner notified me that his brother received a phone call from a DCI representative. He forwarded me the message and I called them immediately. In the message they said to contact them immediately or there would basically be legal consequence. As I called them back, they stated the same. They said we owed {$2000.00} dollars to a XXXX XXXX XXXX XXXX or XXXX XXXX. I have never done business with this entity ( s ), and we do not owe any monies to anyone. We are a debt free company. I have requested the data sent to me in e-mail and have not yet received such data. The website seems legitimate, but I believe they are trying to fraud people out of fear with impending legal action. Can someone take a look into this. The man was ridiculously unprofessional and very threatening. Threatened to call the state on my licenses if I didn't comply. Is this company even registered? 

https : //www.dciclaims.com/ Debt Collectors International , Inc . 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Phone XXXX Fax XXXX Email : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted all three Credit Bureau ' advising them that Chapter XXXX  bankruptcy REFERENCE # XXXX was showing on my credit and this was inaccurate and all my accounts were closing. I was victim of identity theft or mixed file from a bankruptcy in XXXX, Al with someone with a similar name and last four  SSN. I contacted the Bankruptcy Court in XXXX XXXX of Alabama, they could not provide any additional info. They also advised that no one has contacted them trying to verify that this bankruptcy is mine. Someone else 's bankruptcy is destroying my credit standing.
Product: Credit card or prepaid card

On XX/XX/XXXX, I went to Belk. As I was leaving a lady asked me about a promotion for opening a belk card, I let her know I already had a belk card. She said that she could get me a better card by applying with her. She asked me to put in my income to see if I could get a higher limit. We discussed the advantages of the new card including additional rewards. I thought she was enhancing my card that I had already not applying for a whole new card. She then handed me a piece of paper with a new limit and lower credit amount. I was very confused by the whole process. I then got a new card in the mail that had less benefits than one the one I already had. I have a mastercard that I can use anywhere and the card I got was just a card to use in Belk. The whole interaction was offputting. I called the store to complain as it was misleading what was going on.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for XXXX  days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXXdays XXXX they record the calls XXXX admitted they had my police report XXXX ftc and XXXX  That was after attempting to contact Transunion more than XXXX times. transunion is an XXXX  company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX XXXX cant provide to my XXXX year old XXXX  PLEASE HELP ME PLEASE
Product: Debt collection

This debt is not owed and is reporting incorrectly on my credit reports. Address given is incorrect as well and also sold invalid debt to collection agency without my consent to do so.
Product: Consumer Loan

American Credit Acceptance and I had a car loan out, I then traded the vehicle in to XXXX XXXX XXXX in XXXX XXXX MD In XX/XX/XXXX. The dealership has since then made the final pay off amount to them and the continuously report that there is still a balance. the dealership sent the check via XXXX and gave me the tracking number of XXXX and the check has been signed for at their facility. I have disputed this for months and they continue to report. I have sent validation letters and made numerous phone calls. As of now they have my account in repo status and reporting as almost 130 days passed due. I have even faxed over trade in contracts from the dealership. I would like this removed form my account and the remarks to be cleared as well.
Product: Debt collection

I am writing to dispute the validity of the alleged debt associated with the account referenced above. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 USC 1692c ( c ), I am previously requested that you cease all communication with me regarding this matter. 

Under the FDCPA, I have the right to request that you cease communication with me regarding this debt. I am exercising this right by way of this letter. Please consider this a formal request to cease all communication, both written and verbal, concerning the alleged debt. 

Furthermore, I demand that you remove all information related to this disputed debt from all three major credit reporting agencies : XXXX, XXXX, and XXXX. Continuing to report this disputed debt would constitute a violation of the Fair Credit Reporting Act ( FCRA ). 

Please be advised that failure to comply with this request will result in further action, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal remedies available under the FDCPA and FCRA. 

I expect your prompt attention to this matter and confirmation in writing that you have ceased all communication and have removed the disputed account from all credit reporting agencies within 14 days of receipt of this notice. 

Thank you for your cooperation in this matter.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I submitted a complaint against XXXX XXXX XXXX XXXX for inaccurate reporting of my account on my credit report. Account # XXXX is listed as charged off/ profit loss but is still reporting a balance. On XX/XX/year> the company responded and stated that the debt was not charged off for profit loss, which my credit report clearly shows. At this point I am prepared to sue XXXX XXXX XXXX XXXX for statutory damages for fraud and violation of the FCRA if this account is not deleted from my credit report.
Product: Money transfer, virtual currency, or money service

I want 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 is impossible and that tracking these transactions was unfeasible. The CFBP 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. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

I am writing to express my XXXX with the dispute process regarding an items on my credit report and I want to dispute these fraudulent information. Despite my diligent efforts to provide valid documentation such as the required XXXX report, supporting my position, it seems that my message is not being properly received by your bureau. Let me be clear : I am the one initiating these disputes under my name. 

The items in question is unfamiliar to me and the documents I have submitted are authentic and registered with the appropriate agencies, corroborating my stance. I insist that the record be rectified. 
It is important to note that as a credit bureau, you are legally obligated to ensure the accuracy and timeliness of your records. By failing to remove these fraudulent accounts, you are not fulfilling these obligation and are exposing me to further harm. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX VT XXXX TODAYS DATE : XX/XX/XXXX TRANSWORLD SYSTEM INCXXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious TRANSWORLD SYSTEM INCXXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the XXXX XXXX XXXX for XXXX XXXX XXXX XXXX California XXXX XXXX XXXX XXXX me Signatures on applications and accounts Investigators report XXXX, XXXXXXXX XXXX XXXX XXXX  # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, VT XXXX
Product: Checking or savings account

I recently applied for a PPP loan through a completely different lender than Chase Bank. Before I was even approved for this loan I was required to provide all the necessary documentation that was requested of me by the bank/lender that I was going through to get approved. I provided all documentation that was requested at that point they reviewed my info and approved me for the loan. The loan was then deposited into my account and now Chase has a hold and a block on my account Stating I needed a business account to get this loan But when I contacted the lender they stated That is not true and I provided all the correct documentation to get approved for the loan. Now Chase has me going through a run around to get the block taken off my account for me to retrieve my funds. I have the closing documents the application emails etc whatever is needed to prove that I applied and got approved for this loan and now Chase is making me provide them with all this extra information which I don't understand why because I did not go through Chase to get this loan so now there holding my funds XXXX claiming I need to provide to 3 years taxes etc etc. And What I contact the lender they state they do not understand why Chase is making me go through this. I just want to block removed so I can withdraw my funds from Chase move on to a different bank you because this is the worst experience I've ever had. It doesn't say provider 's must have separate business accounts to apply. Also it states banks and other lenders can set there own rules on how they want to accept applications. With that being said the lender I went through must have acknowledge all my info that's why I was accepted. So I need help because they keep giving me the run around.
Product: Mortgage

We closed escrow on our home on XX/XX/2020. We had an escrow balance of more than {$5000.00} that Loancare was supposed to refund to us. I have had numerous conversations with Loancare and have documentation to support the conversations. They said they would be mailing it out in XX/XX/XXXX. I never received a check. I called them again and they said they would be mailing the check on XX/XX/XXXX. Today is XX/XX/XXXX and we still have not received our check. I have offered to give them a XXXX XXXX account number so that they would overnight the check to us but they refused. We are seniors and now, during COVID, this money would help us with our finances.