23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

In XXXX of 2019, I applied to consolidate my six loans through the federal government in order to secure a fixed interest rate on a single loan. After submitting my application, I received a notification that FedLoan Servicing would be sending me new loan information and payment details once they processed my application ; however, this information never came. As the months went by, I would receive billing email notifications from FedLoan Servicing detailing that my payment for the month was " {$0.00}. '' I also received an electronic letter from FedLoan servicing that my loans had been paid in full, which was misleading. During this waiting period, I had called FedLoan Servicing on numerous occasions to inquire about my loan consolidation application status and loan/payment details, to which I received the excuse that my new loan information must have gotten lost in the mail and I was assured that they would resend it. Prior to applying to consolidate my loans, I had been paying {$380.00} a month for six months and had managed to pay off all of my interest on my student loans. While waiting for FedLoan Servicing to provide me with my updated loan information, which ended up being six months, I accrued {$810.00} in interest, which I do not feel I should be responsible for.
Product: Credit reporting or other personal consumer reports

Subject : Urgent : Request for Immediate Correction of Inaccurate Account Information ACCOUNT # # XXXX  # XXXX Dear TransUnion I am writing to formally notify you that you are in violation of the Fair Credit Reporting Act ( FCRA ) for failing to conduct a proper investigation into my dispute and continuing to report inaccurate information on my credit report. Attached is a copy of the legal notice sent to XXXX XXXX  regarding this matter. 

If TransUnion does not remove the inaccurate account information from my credit report based on the evidence I have provided, I will proceed with filing a lawsuit against TransUnion for non-compliance with the FCRA. Specifically, you are reporting inaccurate late payments and missing data. 

You are in violation of the following sections of the FCRA : 15 U.S.C. 1681i ( a ) : Failure to conduct a reasonable reinvestigation of disputed information.

15 U.S.C. 1681e ( b ) : Failure to follow reasonable procedures to assure maximum possible accuracy of the information in my credit report.

Please address this issue promptly to avoid further legal action. I have also attached a copy of the Metro-2 report showing proof that this account is not in compliance with Metro-2 standards XXXX
Product: Checking or savings account

On XX/XX/2017 Wells Fargo honored & allowed a debit card transaction of {$270.00} when i only had {$93.00} available in my account, putting the account in a {$180.00} negative. I contacted customer service as soon as i was alerted, a stop payment was placed on the still pending transaction and i was informed that " the payment will fall off and reverse and my balance will be restored by the afternoon or by the end of the business day '' ... which never happened! 
I asked why was the transaction honored instead of declined and why was n't i notified, Wells Fargo response was : " we decided to honor the payment as a favor because we feel that you are a good customer. '' I called Wells Fargo back numerous times, spoke with 2 more customer service reps, a supervisor, and the debit/credit claims department, who all claimed that there 's nothing that they can do for me. Completely disregarding what i was originally told & overlooking the stop payment that was placed by the first representative. 
Wells Fargo are looking to make a {$35.00} profit from the overdraft fee, for honoring a transaction that i did not have enough funds to cover, that they personally made the decision to pay and i did not ask them to do!
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) mandate that the XXXX credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card

I HAD ASKED THIS COMPANY MANY TIMES TO HELP ME WITH MY BILL DUE TO MY BEING A XXXX PATIENT I HAVE A {$300.00} CREDIT LIMIT AND HAVE PAID THEM OVER {$800.00} IN FEES AND LATE PAYMENT CHARGES! 
I HAVE OF MY OWN FREE WILL CANCELLED THIS CARD! 
THEY KEEP CHARGING OUTRAGEOUS FEES AND OFFER NO HELP!
Product: Credit reporting or other personal consumer reports

XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX Phone ( XXXX ) XXXX " RED FLAG '' Inaccurate reporting of my Recent XXXX XXXX Bankruptcies again they are leaving settle debt on credit reports and causing me pain and suffering upon applying for credit. This account was included in my XX/XX/2024 XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX, IN XXXX and has already been discharged 3 months to date! The XXXX  account was not delinquent during the filing process Why is XXXX? XXXX XXXX XXXX XXXX XXXX XXXX still reporting a Balance of {$160.00} ( it should be zero ) and it should have ceased in XX/XX/2024 the month of XXXX and not to continue to display in box 30, 60 days late
Product: Credit card or prepaid card

I had an credit card that I never excepted after it expired. It was a older account that I never received statements since I lived in my present address since XXXX. In XXXX of XXXX I was notified by debt collector I owed XXXX on a credit card. I reported to Citibank fraud that someone is using my account. I did pay XXXX on XX/XX/XXXX and updated my home and phone number which was not on Citi file. The only statement I received from Citi was XX/XX/XXXX with a balance of XXXX. My wife recalled using the account on 2 purchased XXXX XXXX XXXX for XXXX and XXXX XXXX for XXXX online purchase. I have no knowledge of any other purchases to create the XXXX balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX XXXX XXXX   and XXXX XXXXXXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX   XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Credit reporting or other personal consumer reports

My credit score was damaged because of a missed payment and high was caused by a faulty system by XXXX XXXX debit block. I. Three separate occasions I attempted to add XXXX XXXX XXXX as an approved payee through my chase business account. I received confirmation in my online banking portal on each occasion. Each time, XXXX blocked the debit resulting in a missed payment. This missed payment also caused XXXXXXXX XXXX to close a credit card that I had for 9 years. The combination of the missed payment and losing that card has significantly damaged my credit and prohibited me from new credit opportunities.
Product: Debt collection

X/X/17 I attempted to get receipts of payments I made to this company on behalf of XXXX XXXX. Although they had records..refused saying account went back to the original company. The Rep had shared with me the amount of payments I made and a total. When I asked for written verification she told me she could n't give them to me. When I insisted that I believed she could get it for me..she referred me to a Supervisor. He came on the line with intimidating nasty tone. He read me a debt collection disclosure that had already been read to me by the previous individual. When I began to tell him what I wanted he started to try to intimidate me and interrogate me on why I did n't have the info I was seeking, and the methods I should have tried to get it and control the conversation.. When I would n't let him, he hung up. He was nasty and provocative .Central Portfolio Control Inc , is a debt collection agency located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX , MN XXXX. I would like to report this company.
Product: Checking or savings account

I have been baking at Simmons Bank for 10 years and today I got a letter they where closing my account and giving me 10 days to get the money and go eles where. All this started when I made a complaint that multiple staff members felt mistreated by the XXXX XXXX at the location XXXX XXXX XXXX. # XXXX. She refused to cash checks and was just very aggressive simple things and rude to me when I ask for bank statements. XXXX staff member was so upset how she was treated because XXXX refused to let the teller cash a check because of a last name that was different on her SSN verses her ID which is very understandable. So I went up there asked XXXX what name does she prefer and She stated it I corrected it no big deal. XXXX was very aggressive towards the staff member in front of me. I felt like I had to Calm her down. Then same girl goes back in to cash her check same thing the receptionist takes it away from check out counter with her ID away from the Same staff member goes to XXXX XXXX again says she needs approval this time the staff member is filming the whole thing and brings to me I am mortified by what I see same aggressive behavior they threaten this girl with police for filming but she felt uncomfrontable of her ID being tooken into a different room she felt discrimination. XXXX XXXX the XXXX over XXXX gets involved says please send the video we don't tolerate this he watches it and then cancels my account. I am shocked to read this letter. He also tells me all of your staff and you don't go back to the XXXX branch and you don't know all the story these girls are not telling you everything. Well I told him I walked in stood at check out reception clear XXXX minutes they are laughing and the receptioninst goes to Karens XXXX never greeted us we just stood there me and my Mother that also works for me so I go threw the drive through and make a complaint I couldn't get anyone to service us I was upset so I called XXXX XXXX and he told me go to another branch I told him why do we have to go to another branch we have not done anything we have recieved poor customer service why are you overlooking this. Then by suprise my account is getting forced closed. I am hiring a Banking attonery they said do this now to start this. This isn't fair and I shouldn't have a account closed all my bills and credit card system is through this bank. I feel like someone thats over the branch over XXXX XXXX can see This is poor management. I want to do everything I can to make this right. This is miserable I have so much going in and out of the account I can go to a different branch XXXX XXXX is closing it forced and its my money and it also says i will get a money order through mail theres over XXXX in that account. This is wrong.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section XXXX of the Fair Credit Reporting Act. I am a victim oXXXX XXXX XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I got locked out of my own paypal account. They asked me to reset my password and when I try to do that, they tell me to verify my phone number which is my old number. I can't even change it. I don't understand why they can't just send me verification code to my email. Their system is quite flawed and no wonder people talk bad about paypal everywhere online. I guess it makes sense.
Product: Credit reporting, credit repair services, or other personal consumer reports

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY A

CC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I submitted a dispute letter to all three major bureaus ( Equifax, XXXX, XXXX ) due to some erroneous negative entries on my credit report As a result, this caused a lot of headaches to my livelihood I'm not being able to properly use my credit when needed. I have been denied access to Loans, Credit, Mortgages because of this.
Product: Credit card

I opened a CC with Chase - Slate. I activated the card by transferring XXXX to the card. I live out of the country part of the year and have someone handle my accounts when gone. After being out of the country for XXXX weeks I returned and found that we had not received my first statement from Chase. I immediately contacted them explaining the situation, they indicated that they would send me a duplicate statement. I received this statement and made the required payment. Since that date i have received my statements without trouble. However I recently reviewed my credit report and Chase has me as not making these XXXX XXXX payment which has significantly lowered my credit rating. The Chase account now has a zero balance and they tell me that in that they did not get the statement returned to them by the XXXX they can not do anything about the credit report.
Product: Mortgage

Carrington Mortgage Services is trying to foreclose on my property by way of assignment and i believe that the assignment is fraudulent and signed by robo signature it was conveyed on X/XX/2017 with fraudulent documents i do not owe Carringing or XXXX XXXX XXXX as trustee of XXXX XXXX XXXX XXXX any money also when XXXX  conveyed the assignment XXXX XXXX was out of business and fraud can not be the basis of securing a deed. I am revoking the power of attorney that they have because i never gave my power of attorney to them and the company that was my attorney in-fact is out of business
Product: Money transfer, virtual currency, or money service

Started XXXX deposits for XXXX dollars each on XX/XX/XXXX and was given instant deposit for XXXX dollars. All was good until the crypto market took a XXXX % hit on XX/XX/XXXX. On XX/XX/XXXX, they marked my account in deficit when the transfers were still in progress and took away my instant deposit or ability to buy crypto. They also said I had XXXX dollar deficit which I made a debit card transfer to satisfy. The money was taken from my account XX/XX/XXXX and to which I asked support why my instant deposit was taken away. Instead of giving me an answer they cancelled the completed transaction and gave no response or reason why any of this is happening to me. I think since the crypto market took a hit that they marked all pending transfers in deficit in an attempt to raise money to fund their reserves. I now am out XXXX dollars and have started numerous chats with not a single response from Robinhood support. There is not even a record of my money being returned to me. This seems odd to me so I'm reporting for them to be investigated. They keep closing my chat sessions with no reply.
Product: Student loan

I've been enrolled in the XXXX plan since it became available. I understand that there is an injunction by the federal court which has led to accounts going into forbearance. It was communicated via Mohela website that there would be no interest accruing while in forbearance, however, my account shows that interest is accruing. I now have over {$1000.00} in accrued interest that I should not have ; it was not communicated to me that there was any change in my repayment plan or that I would begin accruing interest while still in forbearance.
Product: Money transfer, virtual currency, or money service

I am writing formally express my concerns regarding Zelles handling of disputes, Particularly in light of 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 unfeasible. The CFPB findings indicate that zelle has not only neglected to protect consumers but also allowed repeat offenders to exploit the system leaving users vulnerable to scams.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX the natural person have been a victim of identity theft. Since I attached my form of ID, PROOF OF ADDRESS, & SOCIAL SECURITY NUMBER ( Social Security # : XXXX ), This complaint lists someone that your company should recognize as their customer or their customers authorized representative.I contacted all the credit reporting agencies on XX/XX/2021 and told them that these accounts were fraudulent. I understand that under 15 U.S. Code 1681c2 they were supposed to block the accounts after receiving my statement, but they ignored my consumer rights and left it on my report. it is now XX/XX/2021 and these fraudulent accounts are still appearing on my credit report. this is illegal, and I ASK THE CFPB TO HELP remedy this situation. Erroneous RESULT OF The Equifax XXXX Data Breach Direct Violation 15 USC 1681 Reporting incorrectly. PAYMENT HISTORY DATES ACCOUNT NUMBERS BALANCE INCORRECT AMOUNTS PAYMENT STATUS Inaccurate across all 3 Bureaus XXXX  XXXX  and Equifax. also I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block.
Product: Money transfer, virtual currency, or money service

A person XXXX XXXX, XXXX. I had done business with in the past had reached out to me to send him {$3000.00} to get {$4000.00} back in 2 weeks. He requested me to XXXX it to him and he never returned the monies back and he solicits other people to XXXX him for some real estate investment and never return the money.
Product: Credit reporting or other personal consumer reports

I am interested in processing disputes on my credit report to delete an remove all inaccurate information that is hindering my credit profile. this has been a issue that ive addressed an nothing has been updated. looking over my file I noticed that all items in question illegal an incorrect reporting on my credit. please review an remove all listed all items on my credit report asap.
Product: Credit reporting or other personal consumer reports

I have inquiries passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX 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 recovering lost funds impossible and that tracking these transactions was infeasible.The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated 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: Checking or savings account

I had originally submitted a complaint on XX/XX/XXXX against chase bank. That complaint was XXXX. XXXX said that they would refund all of the fraud that occured. On XXXX XXXX XXXX  chase reversed XXXX ATM withdrawals that they provided with the first resolution. Please see this complaint for the chase response which indicates that they are providing the full amount and the ATM amounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon, I am showing a new address that has never been associated with me. The address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Fl. XXXX. Also the following phone numbers have never been associated to me : XXXX XXXX XXXX XXXX I am afraid someone is using my name or SS and might open accounts under my name. I am checking my report now.