23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My loan was sold to Suntrust shortly after we obtained it XX/XX/XXXX. Their service has been unremarkable until recently, when I received a XXXX page machine generated letter stating that my house insurance had lapsed and threatening to buy a policy at a cost of more than XXXX times the actual cost of my insurance if we failed to update them. The letter claimed a lapse " notification date '' of XX/XX/XXXX. My home policy anniversary date is XX/XX/XXXX. I received an invoice from the insurance company on XX/XX/XXXX or thereabouts and I actually paid the premium online on XX/XX/XXXX ... which came out of my bank on XX/XX/XXXX. Just to be sure that it had posted, I talked to my agent on XX/XX/XXXX and she validated that it was in the system. 

The postmark on the letter SunTrust sent was XX/XX/XXXX. In Virginia they ca n't take any action until 60 days beyond lapse. Clearly they checked with my insurance company after the invoice date but before the anniversary date. Either it took them five days from the prodcution of the letter until it hit the mail ( incompetence ) or the letter was printed after the claimed notification date ( deceit ). They told me on the phone that they had checked with my insurance company before the letter went out. Either they checked before the actual due date and did n't check back on XX/XX/XXXX ( incompetence, deceit, or both ) and the sent the letter without thorough checking officially putting the burden on me to send proof of payment ( bad customer service ). And they have incurred unnecessary costs on ther off-chance that they will be able to charge way above market rates in the -- most likely -- few cases where there is a lapse that is not remedied within the statutory 60 days ( predatory business practice ). I am going to complain to the XXXX ... and the Consumer Financial Protection Bureau.
Product: Credit card

this card was open online, and to a po box address no id was sent no verification was done but they still want to say its mines do to payments were made, thats the point fraud shammers how can i be held liable for something that was opened online, and another state
Product: Student loan

I submitted applications to this company to get a private student loan. I was denied and called back to sibmit reconsideration and my first reconsideration was not even looked at. When I called for a second reconsideration, I was informed this first reconsideration was not even considered because of an error in the information they received. My second reconsideration resulted in denial due to errors in my credit report that I have recently filed complaints with the XXXX credit bureaus to correct the errors. Also, I admit to having some debts but I became ill and lost my job 2 years ago. It took me a year to learn to XXXX again and to get to where I am today. I still have some lasting XXXX from the XXXX I suffered. I have offered documentation to everything I have said and the company has never asked for any. My co-signer also has amazing credit and a lot of land he could borrow against to pay the company back of needed. XXXX of XXXX things are happening, either the multiple people I have talked to have not put this information in the reconsiderations or I am being discriminated against because I was ill, lost my job, lost my ability to XXXX and XXXX. I feel like it is discrimination but I will let the company answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to Equifax on XXXX XXXX, 2022 and have not reveiced a response from them. I have provided all documents several times and they are still showing a active dispute. 

It uzzling that they can update new informatin but not disputed information.
Product: Credit card

I have tried numerous times to set up direct pay on my credit card, but the banks website would not allow me to for several months. I spoke in person with my bank representative ( who has since left the bank ) and the phone help line, but both said the direct pay function was faulty. 

As a result I stopped intentionally using the card. 

On XX/XX/year> I had a charge from XXXX XXXX that left me with a {$1.00} balance. On XX/XX/year> there was a second charge from XXXX XXXX that left me with a combined balance of {$21.00}. 

I was not aware of either charge and did not receive any notification that they were made, outstanding, or overdue. I only discovered the issue via my credit report when the {$21.00} late payment was reported. 

I find it very frustrating that my credit would be impacted and they can charge me fees/interest as a direct result of their faulty systems. I always use direct pay and had over {$1000.00} in my linked Bank of America bank account that could have easily paid the liability. 

Thanks for any assistance you can provide.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a FTC report twice, ( XX/XX/2023 and XX/XX/2023 ) to all XXXX credit bureaus for a fraudulent account. XXXX did their investigation and found that the account was indeed fraudulent and removed it from my report. I submitted their findings to Transunion and XXXX, but they have yet to remove it and the only response that I received was that they would be investigating. That has been over 90 days now.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Afternoon, my name is XXXX XXXX, after applying for a loan today at my bank, I was informed by the loan officer that they could not process my loan application because my SSN was not showing on the Equifax credit report that they had pulled from the credit bureau. So the bank advised me to call the credit bureau to find out what was the problem. I called the credit company XXXX Equifax XXXX and the first person I spoke with after confirming my identity put me on hold and after 15 minutes or so another customer service representative answer the call and started the process all over again. After almost 30 minutes on the phone waiting for an answer I asked for a supervisor at first the representative didn't want to pass the call to a supervisor and them they let me on hold to the point that is an XXXX sec and I'm steel on hold! I have 12 companies reporting on my credit behavior monthly using my SSN but Equifax doesn't know why if a creditor pulls my information my SSN doesn't show and my name is using a XXXX  In the meantime my loan application is on hold because the credit bureau negligence ... ... .... please help.
Product: Checking or savings account

Chase Bank Fraudulent charges made on XX/XX/XXXX{$120.00}, {$120.00}, {$120.00} for a total of {$370.00} at a location XXXX miles away from a location where I was completing a transaction in person on my ATM card. Bank is stating that its possible to be in two places at the same time. I was told that it was impossible for my card to have been spoofed or cloned as their system was infallible. Refused to acknowledge that their records show that the distance makes it impossible to happen.
Product: Credit reporting or other personal consumer reports

I have been locked out suddenly out of Experian for XXXX months when I had no issues getting in before. Experian refuses to help me get in, but more importantly, it is a violation of consumer rights because : XXXX. Nobody answers their phone number no matter what extension you choose - you eventually just get disconnected XXXX. It is a security risk to me that I suddenly can not get into my account when I've faithfully logged in every month for years - clearly somebody has hacked my account or Experian just randomly locked me out XXXX. I filed a XXXX complaint and they pretended to help me but did nothing whatsoever to help and I am still locked out XXXX months later
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, the following accounts have violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXXXXXX XXXX XXXX XXXX ( {$980.00} ) XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX ( {$690.00} ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX ( {$830.00} ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( {$640.00} ) XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX ( {$3000.00} ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( {$2600.00} ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( {$1300.00} ) XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX ( {$210.00} ) XX/XX/XXXXXXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2021 I purchased a laptop computer from Best Buy located at XXXX XXXX XXXX XXXX, XXXX, OH XXXX. The salesperson offered me a {$100.00} discount if I opened up a " rewards '' card. He indicated that it was not a credit card, and only a store rewards card whereby I could accumulate points and special deals towards in-store purchases. I stated that I DID NOT WANT to apply for a credit card - the Best Buy salesperson stated that he would tell the person on the phone processing my application NOT to proceed with a credit card application... .only the in-store " rewards '' program card. 

I suspected something was wrong when the salesperson was on the phone with the other person for a prolonged time. He indicated that " my application didn't go through '' and that he could not honor the discount or enroll me in the rewards program. 

I subsequently received a warning from one of my banks that a credit report had been requested in my name ( which I did not authorize ). I then received a letter from Best Buy XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX dated XX/XX/2021 that I had made a recent credit card application, which was denied because of an identity fraud alert on my credit report. 

The Best Buy salesperson misled " tricked '' me into applying for a Best Buy credit card and this led to a credit inquiry on my credit report which may negatively impact my credit score. This practice is misleading and I am reporting this unethical behavior to CFPB.
Product: Credit reporting or other personal consumer reports

VIOLATION OF THE FCRA .. ( TRANSUNION ) & ( XXXX XXXX ) IS REPORTING UNAUTHORIZED HARD CREDIT INQUIRY ON MY TRANSUNION CONSUMER CREDIT FILE.... TITLED... ( XXXX CARD SERVICES DATED : XX/XX/2024 )... IS IDENTITY THEFT NOT AUTHORIZED BREACH FRAUD HACKING .... TRANSUNION AND XXXX FAILED TO REMOVE THE UNAUTHORIZED FRAUD ( XXXX CARD SERVICES DATED : XX/XX/2024 ) IS UNAUTHORIZED INQUIRY INFORMATION.SINCE ( XX/XX/2024 CREDIT ALERTS REPORTS HACKERS MASSIVE XXXX CREDIT DATA BREACH EXPOSED CONSUMER FINANCIAL INFORMATION )
Product: Credit reporting or other personal consumer reports

I had disputed an account that was open fraudulent. It took more than 3 months. 
I call XXXX XXXX  to let them know that was a fraudulent account open. 
I have accepted responsibility for the charges any responsability because it was not me. 
Nothing was shipped to your address I have not participated in, or benefited from the purchase. 
I have never made payments to no account Since I did not open it. 

I have not received anything to be to be reviewed by them after my complaint of fraud. 
The signature on sales receipt it not mine permitted a third party to use/ open the account I didn't activated any account.
Product: Credit reporting or other personal consumer reports

I have no knowledge of this company. The inquiry just appeared and has been on my report ever since.
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 Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 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: Debt collection

My wife XXXX XXXX was in XXXX XXXX Hospital from Thursday XX/XX/XXXX through Sunday XX/XX/XXXX. Without our request, the hospital admitted my wife to a semiprivate room on the XXXX XXXX. My wife is not a child ( DOB- XX/XX/XXXX ). We disputed the {$300.00} co-pay for the semiprivate room with the hospital with XXXX last name unknown on XX/XX/XXXX and XXXX last name unknown on XX/XX/XXXX. Both of them promised us a response from a supervisor at the hospital. We got no response. Instead we got a collection letter from Receivables Solutions , Inc,  XXXX XXXX XXXX, XXXX, South Carolina XXXX. 

We should not have to pay for a semi private room on a children 's ward that we did not request. Only the geniuses at XXXX XXXX Hospital can explain how my wife was placed in this room. 

Sincerely, XXXX XXXX XXXX
Product: Prepaid card

A friend purchased a {$50.00} XXXX gift card through a company called vanilla ( vanilla gift.com ). I tried to use it for a purchase that was about {$50.00} at a skincare company called XXXX XXXX ( XXXX  ). The purchase didn't go through, and I was given an error message where the company accepted blame : " We're sorry that your order could not be placed. This probably happened due to a high order volume or temporary connection errors. Please wait a few minutes and resubmit your order. We won't process your payment until you successfully place your order. If you have further questions, please contact us. '' I did not receive any receipt that told me the exact amount I was trying to purchase. The next day I made a few changes to the products I was going to buy and tried to check out again. I received the same error message. I called Vanilla. 

At first they wouldn't even help me unless I told them my name, but I do not want this gift card company to have any of my private information. I was transferred to a supervisor who admitted that they don't need my name to investigate the issue. He asked me to verify the exact amount of the charge I wanted to make the day before. Of course I don't have that. I asked him to just cancel that transaction, but he said he couldn't. He said that without that exact charge amount, he couldn't lift the hold but could send me a replacement card. Of course, to get that replacement card, I would have to give him not just my name but my address. He claimed this is all part of some agreement I have with the company, but I don't have an agreement with this company! I was just gifted a gift card that I can't use. 

They basically stole my friend 's money when they purchased this gift, and they are using these transactions as a way to mine information about people. This has to be against the law!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is showing on my Experian credit report twice, for the same amount on the same charged off auto loan. It is only reporting twice on Experian, not on any other bureaus. You can clearly see its the same loan, with the same open date, same original amount, same amount due. I have attempted to resolve this with XXXX XXXX as well as Experian with absolutely nothing being done. It is even currently in dispute on Experian and has been for several months with no correction made. 
XXXX XXXX altered the account number for the second so they could continue to report it. The first debt being posted is understandable, but Experian and XXXX XXXX XXXX reporting the same debt twice is damaging my credit far more than if they reported accurate information. They altered the account number for the second so they could continue to report it to further damage my credit. 
Account # XXXX is accurate and may remain Account # XXXX is a double post of the same debt and needs to be removed This is duplicate reporting of the same exact debt and needs to be resolved.
Product: Credit card or prepaid card

I received a letter in the mail ( dated XX/XX/XXXX ) from Capital One, stating that they needed a physical street address from me. It was noted in the letter that they can not accept a P.O. Box. To avoid having my account restricted, they needed to hear from me by XX/XX/XXXX. 

I called them on XX/XX/XXXX ( the date I received the letter ). I explained to them that I do not, and never have received regular mail at my physical ( residence ) address. That being said, I had no problem giving them my physical address, and proceeded to give them the info they requested. I also gave them my cell phone number. ( I have a land line number, which I use most often and which I called them from. ) They wanted to know why I do not have a mailbox at my home address and I explained to them that mailboxes have been routinely smashed and/or vandalized on my rural country road. My husband and I have lived at this address for 29 years, and have NEVER received regular mail here. It is our opinion that PO Box addresses are safer. They can not be smashed or broken into. Our identity is less likely to be stolen. 

The representative I spoke with was very understanding. My credit card account was not closed. 

But then in XX/XX/XXXX, when I ordered an item from XXXX, I was told that my Capital One credit card was again restricted. I was astonished. Immediately I called Capital One and asked WHY. Again they said they needed my residence address. I told them I had already provided it to them in XX/XX/XXXX. They said they did not have it. So I gave it to them again. They apologized and immediately lifted the restriction. I thought, well this company definitely has a departmental and/or communication problem. 

But that was not the last of it. Yesterday I ordered an item from XXXX. This morning I received an email from XXXX telling me the credit card I use with them ( Capital One ) was again restricted. Mind you, I regularly order from XXXX and my Capital One card had been working fine. This time I truly became angry. I called the company at XXXX XXXX  ET and was told that my account had a balance of {$37.00}, and had been closed. Well, I knew my balance for the month of XX/XX/XXXX was higher than that, so I asked where the {$37.00} figure came from. I was told they had applied all of my earned reward points to my XX/XX/XXXX bill, leaving it with a {$37.00} balance. I was flabbergasted. I was outraged. By what authority did they have the right to do that? I always pay my credit card bills IN TOTAL as soon as I receive them! And all of this was done without my knowledge or consent. I was transferred to a representative named XXXX ( ID # XXXX ) who claimed he was not aware of my situation and would need time to investigate it. After a lengthy and heated discussion, he agreed that I had done nothing wrong and the problem was with them. He told me he would need 10 days to get back to me. Meanwhile, my account is suspended. 

I am considering seeking legal action against this company.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by Experian. I believe these late payments are erroneous and do not accurately reflect my payment history. 
Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information. 


Thank you for your immediate attention to this matter.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. The account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX 3 fraudulent charges appeared on my Wells Fargo Business checking the XXXX XXXX in XXXX, NY ( totalling {XXXX} ). I noticed the charges on XX/XX/XXXX and immediately cancelled my card and reported the charges. Wells Fargo opened a fraud claim and ordered me a new card. A week or two later I was informed that my claim was denied because they believed I authorized the charges. I informed them that was not at all possible. I was in XXXX FL at the time working, and had my debit card with me. They told me the charge was made via XXXXXXXX XXXX  which I do not have nor have ever had. I asked to speak to a manager. I explained the situation to the manager/supervisor agreed it seemed like it was fraudulent and re-opened my claim. They asked for 10 business days to make a decision. I contacted them after probably 15-20 business days ( after receiving no correspondence ), and again was informed that my fraud claim was denied. About a week later I reached out to my local branch manager informing him I was considering closing my account because I no longer felt protected by Wells Fargo. He said he would file a complaint on my behalf. A few weeks ago I received a letter that my claim was still denied, and that the decision was final.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my complaints regarding Zelles handling of 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 the reversing of lost funds was impossible in that tracking these transactions were not feasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed to 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.