23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Oh XXXX In XXXX XXXX I notified customer service that I'd been directly impacted by Hurricane Irma and both my county of residence ( XXXX ) and employment ( XXXX ) had been federally declared National Disaster Zones. XXXX XXXX   offered to place my account in forbearance between XX/XX/XXXX - XX/XX/XXXX during which time payments would not need to be made, interest wouldn't accrue, late payments wouldn't be assessed and negative credit reporting would not occur. XX/XX/XXXX I recontacted customer service to inform them that I was still in a financial burden with having to pay for insurance deductibles that was caused by the storm and not qualifying for FEMA assistance. At that time, they offered an extension of the forbearance from XX/XX/XXXX - XX/XX/XXXX, with the same benefits offered as before. When billing reoccurred in XX/XX/XXXX, I disputed the amount owed because it contained late fees and accused interest for 6 month forbearance period. I escalated my concerns to the Customer Service Manager in XX/XX/XXXX when these same charges were being improperly charged. This continued through XX/XX/XXXX at which time they reported my account as a charge off status, reported all payments from XX/XX/XXXX - XX/XX/XXXX as not paid and serious delinquencies to all three credit reporting agencies and sold the original account that was still for the disputed amount to XXXX XXXX XXXX in XX/XX/XXXX and they continue to report collections and serious delinquencies until current, XX/XX/XXXX. This has drastically affected my financial ability to recover and continues to impact my credit scores and livelihood. I believe they fraudulently charged off the account and sold it to XXXX XXXX XXXX because they were unable or unwilling to honor the original forbearance guarantee. I have disputed this with XXXX XXXX, XXXX XXXX XXXX, Experian, XXXX, and XXXX to no avail.
Product: Credit reporting or other personal consumer reports

I am writing to clarify the nature of my previous dispute submission dated XX/XX/2024. It appears there was a misunderstanding regarding the content of my dispute. 

In my letter, I did not state that I was disputing inaccurate or fraudulent items on my credit report. Rather, I was specifically addressing the issue of unauthorized information reporting under 15 USC 1681b. I highlighted that certain information was furnished and disseminated without my written consent, and therefore, in violation of the Fair Credit Reporting Act ( FCRA ). 

To clarify, my primary concerns are as follows : Unauthorized Furnishing of Information : The dissemination of my personal and credit information without my explicit written consent. 
Request for Removal : The removal of all unauthorized closed accounts that were obtained and reported without my consent. 
Request for Explanation : A detailed written explanation of how and when my personal and credit information was obtained and furnished without my consent. 
I apologize for any confusion caused by my initial correspondence, including the incorrect reference to " 15 USC 1681 '' instead of the correct " 15 USC 1681b. '' Please investigate this matter thoroughly and address the specific concerns mentioned above. Additionally, I request that you provide me with a free copy of my credit report as per my rights under the FCRA. 

Thank you for your prompt attention to this matter. I look forward to a resolution within the legally specified timeframe.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, I have contacted them directly spoke with Ms. XXXX who stated she was a Manager. I explained that this account was awarded to my ex husband during court proceeding and I sent the court documents showing that he was responsible for the account til paid in full which was enforced by XXXX County XXXX. I have disputed this many times as well as to credit bureau. Ms. XXXX informed me in XXXX of XXXX that she would remove all derogatory reporting on credit report which at that time was 4 30 days past due, she never did I called back in XXXX of XXXX after pulling report to see that she never removed and their was more 30 days. She apologized and stated she would correct. This continue til XXXX and more was reported. I contacted again spoke with Ms. XXXX who informed me that this would be addressed and removed. It was destorying my credit so I paid the account off with the understanding that it would be removed and I would handle a court order with the fact my ex was in violation. Here we are still battling this to get removed. Please assist. 

XXXX XXXX  XXXX XXXX  - I have no clue what this account is and it was written off as bad debt. I have tried to contact the 800 number of credit report and no record of me found. I have disputed on credit report as well and still there. Company has apparently sold and are of no use to me at all. This is not my account and should not be on my report. 


XXXX XXXX XXXX account was awarded to my ex during court proceeding. I have sent documentation to XXXX as well as disputed online. This is the same as XXXX. XXXX ordered him to pay the account since he was the one that used the account. I was told my XXXX XXXX XXXX negative reporting would be updated on the credit report by XXXX and here we are nothing go fixed. 

SYNCB/XXXX  - THIS IS NOT MY ACCOUNT. I do not know how someone got hold of my information but this is not mine.I have disputed with credit report and it still remains. I call the 800 number on report and the creditor is unable to indentify me yet it is reported on my credit report. This is not me or my account.
Product: Credit reporting or other personal consumer reports

As of XX/XX/2024 - An account is XXXX years ofd on my credit report. It is shy XXXX  months of last payment date. I requested that this item be removed, not only was it removed. It was updated stating historical data is correct and brought an old account current that should be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

company is currently reporting a negative listing to the XXXX major credit bureaus ( Experian, XXXX XXXX, and XXXX ) regarding the above referenced account. Based on my recollection and my records, I can find no reason for you reporting such a history. If you'll review your records I think that you will find your reported notations are inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

After obtaining a copy of my credit report I noticed multiple unauthorized inquiries from the same company all around the same date. There are  XXXX   XXXX   XXXX   Inquires  for 3 days in a row that I did not authorize. The  XXXX  I am disputing is   XX/XX/XXXX     and  XX/XX/XXXX   . I 'm not sure why this creditor ran my credit multiple times. The next is  XXXX  inquiries for  XXXX   XXXX . The other  XXXX  is for  XXXX  and  XXXX  I am not sure who or what these companies are.     On  XXXX  there are  XXXX  inquiries per creditor. I did not authorize  XXXX   XXXX  to run my credit on   XX/XX/XXXX     or  XXXX  on   XXXX   XXXX   I am not sure how these creditors got my information. I called the credit bureaus and was told to contact the creditors directly, I did so and I was informed to contact the bureaus. I sent the creditors certified letters and not one of them has responded but  XXXX   XXXX  for the  XXXX  inquiry  XX/XX/XXXX   .     The credit bureau proclaims to have verified I authorized these accounts, I asked them to provide me with the information they used to validate these accounts but my request have went ignored.
Product: Mortgage

Wells Fargo Mortgaging Service claims that your payment goes to the accrued interest, then principal, then escrow, if applicable. 

What really happens if you pay enough extra is that they apply the amount to the full interest and payment of TWO months. You lose the advantages of paying down the principal and a few hours time while you get them to correct the payment and pay to principal. my account is supposed to have a note to pay to principle even, so it does not happen. 

This has happened to me for EVERY payment since 2012. When I complained Wells Fargo said they made a mistake and it's been corrected ... so no follow-up.
Product: Checking or savings account

On XX/XX/24 I went in person to close my account. I handed teller XXXX both debit cards, yet US Bank kept my account opened against my wishes. Now apparently I have a loan out with them? I no longer have access to either account yet fees are multiplying?????. My credit score is exceptional why is us bank jeopardizing my credit standing?????? Why do they continue lying after XXXX reports of me saying I wanted my account closed, yet they force me to keep it open?????? Since the CFPB does absolutely nothing this report is merely for the record when I find an attorney to sue us bank. I have left a clear paper trail clearly desiring this account to be closed. Why are you trying to destroy my credit and WHEN WILL YOU RETURN THE FEES AND CLOSE MY ACCOUNT? I turned in both debit cards. You took possession of those cards. Lets see what an attorney has to say about your games. This is unbelievable.
Product: Debt collection

Did a rental application no application fee is at the cost of XXXX no such thing I no longer wanted to go with this unit so I didnt go further I didnt sign no lease anything of that nature I have email in communication and receipt sent that I had a balance of XXXX and few month down the line I received a collection as if they sold my profile to collection and I owe nothing at all its been deleted off my XXXX and XXXX and now is affecting only my XXXX and collection never hit on my XXXX to begin with
Product: Credit reporting

Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
Those account are fraudulent please remove XXXX ACC # XXXX XXXX XXXX ACC # XXXX XXXX XXXX XXXX XXXX ACC # XXXX XXXX XXXX XXXX ACC # XXXX XXXX XXXX XXXX ACC # XXXX XXXX XXXX XXXX ACC # XXXX NOT MY IQUIRE XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 

Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Money transfer, virtual currency, or money service

I made a wire transfer at the branch located at the XXXX store on XX/XX/2024 to my XXXX account. Wire transfer was completed prior to XXXX XXXX XXXX As per the bank policy, the wire should have reached the XXXX Bank account on the same day since the wire was initiated prior to XXXX XXXX. There was a pending payment to IRS at the XXXX bank due on XX/XX/XXXX. To my dismay, Citizens bank did not complete the wire transfer until Monday XX/XX/XXXX. This caused the IRS payment to be returned from the XXXX bank account due to insufficient funds. IRS charged me {$XXXX} for dishonored check. In addition, IRS also charged me {$XXXX} for interest and {$XXXX} for failure to pay in the month of XXXX. There are multiple factors that are being overlooked by the bank including ( 1 ) Wire was initiated at the XXXX branch by the instructions provided by the customer representative at the branch. ( 2 ) The transaction was done at XXXXXXXX XXXX XXXX  which is well within the cut off for wires which is XXXXXXXX XXXX. ( XXXX ) What is the reason for flagging the wire for review when there are enough funds in the account? What additional review is being done by the bank? There is no transparency on this additional review and is making it up to cover the system failure ( 4 ) I am a XXXX customer and have enough funds in the account ( 5 ) This was a system error and bank is trying to cover it up. I have proof saying that it is a system error
Product: Debt collection

The Revenue Group is constantly calling my cell phone, which is on the  Do  Not Call List. They call from a  XXXX   (  My caller ID indicates this number belongs to  XXXX   XXXX  ) but when I call it back, it rings into this debt collection company. I received a call from this number on     XX/XX/XXXX .      Today,   XXXX   ,  I received another call from The Revenue Group from phone number  XXXX .     This company has repeatedly called and now calling from fake numbers.     I want them to STOP all communications to me and my family.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit, highlighting significant issues with the platform. The spot using Zelle numerous times reporting discrepancies, Zelle failed to investigate my claims adequately. They inform me that recovering lost funds was impossible and I tracking these transactions was unfeasible. The CFPBs findings indicate that sells has not only neglected to protect consumers, but Ive also allowed repeat offenders to exploit the system, leaving users, vulnerable to scams. This lack of accountability and transparency is unacceptable and raise a serious concerns about consumer safety.
Product: Debt collection

( Notice of Cease and Desist ) This is a WARNING NOTICE. I am a consumer/natural person, and my consumer rights have been violated by LVNV Funding LLC XXXX and Resurgent Capital Services, LP, according to the FDCPA. 

Pursuant to 15 USC 1692c ( c ), I refuse to pay any alleged debt and demand that the debt collector ( s ) : LVNV Funding LLC, and Resurgent Capital Services, LP, cease all communication with me regarding this alleged debt, through email, text, mail, and any other medium. Please Cease and Desist all communication
Product: Credit card or prepaid card

On XX/XX/XXXX, it is stated on my credit report that I have a hard-inquiry from XXXX. This was not me applying for the card. On XX/XX/XXXX, I have a hard-inquiry from XXXX XXXX, I am 100 % not sure where or what this company is. On XX/XX/XXXX, I have a hard-inquiry from XXXX XXXX XXXX, not sure as to why I have one with them, when all I currently have is a debit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my XXXX account through XXXX, I noticed student loan accounts in my name from the University XXXX XXXX, XXXX. 

I never attended the University XXXXXXXX XXXX, XXXX in my life and have never taken courses at the university. Most importantly, I never applied for financial aid and/or take out student loans through the University XXXX XXXX, XXXX. 

I believe someone committed fraud and stole my identity to perpetrate this massive crime in my name at the University XXXX XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

The secured card that I have from XXXX XXXX  has stopped reporting my updated payment information for the month of XXXX to all XXXX credit bureaus. I've provided documents showing statements of on time payments, and lack of updated information.
Product: Debt collection

Subject : Formal Request for Compliance Under XXXX XXXX Standards Account # XXXX To Whom It May Concern, I am writing regarding the collection account listed under Account # XXXX, which Capio Partners has been reporting to all major credit reporting agencies. As a XXXX-party debt collector, Capio Partners is required to comply with both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), as well as adhere to XXXX XXXX reporting standards for accurate and complete credit reporting. 

Details of the Situation : Date Opened : XX/XX/year> Amount Reported : {$980.00} Credit Reporting : Capio Partners has reported this account to all XXXX  credit bureaus, impacting my creditworthiness. 
Issue : Despite multiple disputes, Capio Partners has failed to provide proper validation of the debt or evidence that their reporting complies with XXXX XXXX standards. 

Actions Requested : To resolve this matter and ensure compliance, I am requesting that Capio Partners provide the following : XXXX. Proof of Ownership : Documentation showing that Capio Partners legally owns or has been assigned the right to collect this debt. 
XXXX. Date of XXXX Delinquency ( DOFD ) : This information is necessary to confirm whether the account is accurately reported and within the permissible reporting period under the FCRA. 
XXXX. Original Creditor Documentation : A copy of the original agreement with US XXXX XXXX XXXX that shows my obligation to this debt. 
XXXX. Detailed Account Breakdown : An itemized calculation of the balance, including the original amount, interest, fees, and any other charges. 
XXXX. XXXX XXXX Compliance : Confirmation that the reporting of this account meets XXXX XXXX guidelines, including proper assignment of the DOFD and accurate reporting of account status. 

Resolution Requested : If Capio Partners is unable to provide the requested information, I demand the immediate removal of this account from all credit reports and cessation of all collection activities. Failure to comply will result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other regulatory authorities. 

Timeline : Please provide the requested information or confirmation of account deletion within XXXX  days of receipt of this letter. If this matter is not resolved, I will pursue further action to protect my rights.
Product: Credit reporting or other personal consumer reports

Despite my persistent attempts, I have not made any progress in resolving these issues. Enclosed is a copy of the letter I previously sent to the credit bureaus. Your firm 's response dismissed my request for verification of erroneous items on my report as " frivolous '' or " irrelevant. '' I want to emphasize that I take this matter very seriously. If you choose not to address my original request, which was sent via certified mail, I will not hesitate to escalate the matter to the Federal Trade Commission. I implore you to conduct a thorough review of the following information and provide evidence supporting the alleged item, such as a contract, note, or any document bearing my signature. Failure to provide such evidence will result in my insistence on the immediate removal of these items from my report.
Product: Checking or savings account

The following EMAIL complaint was sent to Discover Bank on! XXXX with no response. 

XXXX I would like to inform you about your negative customer service. Around XX/XX/XXXX I notified customer service that one of my IRA accounts was not posting any interest since XX/XX/XXXX. I received a message on XX/XX/XXXX that the problem was escalated and the interest would be posted in 2 or 3 days. 

On XX/XX/XXXX I faxed an IRA distribution request to close the account in XXXX because I would not be required to pay any income tax this year versus next year when my tax rate will be high. 

On XX/XX/XXXX I called to verify that the distribution was being processed and was told you will not process the distribution until they resolves the interest problem at a later date. I told them this is unacceptable and demanded they close the account in XXXX or I will file a complaint with CFPB. 

Towards the end of day XX/XX/XXXX, I received a call informing me that they will close the account and asked me to select an option for the claw-back of interest for XXXX & XXXX in the amount of {$23.00}. The options were withdrawing the funds from another account or reducing the payment payout. 

It is very cheap and greedy of Discover Bank to be more concerned about {$23.00} rather than the importance of distributing my funds and the inconvenience caused in addition to the value of my time spent reporting the problem and trying to get my IRA distribution processed. As a XXXX year old client I do not appreciate the stress you caused. It is amazing that Discover Bank worth billions of dollar will do anything, regardless of how it effects the client to recover a few dollars that may have lost through their own fault. 

I would like to know how you justify your intentional delay of distributing my IRA funds.
Product: Credit card or prepaid card

I had a quote done in XX/XX/XXXX with Home Depot and XXXX XXXX XXXX to get my floors done. In XX/XX/XXXX I finally had them to come in and before they touched anything they told me that I have to pay an additional {$6200.00} to have the tiles removed. I told them that I did n't have that kind of money and they preceded to say if I did n't do it they would n't do the floors at all and would n't be responsible for anything that would happen if something was to go wrong. Out of desperation since the materials were already in my home I agreed to this extra {$6200.00} being added to my credit card to remove my tiles and complete the job. After the tiles were removed they said they needed to speak to me and requested an additional {$4000.00} to put the floors down I told them no this is ridiculous everytime you get ready to proceed with the next part of the job I 'm getting charged additional money and I 'm not giving you anymore money. They then left me with no floors for 3 months since I would n't agree to another new spur of the moment charge to my credit card. After I cursed, screamed and yelled at the store for all of those months I finally met a big boss who said that Home Depot would cover the charges. They also damaged my furniture but gave me money to get it repaired. They did n't do the job the right way and have n't fixed it yet and also due to the extra charge my credit card bill is constantly changing and I ca n't afford it I live alone and I ca n't pay this high monthly bill on my own. Please help me!
Product: Debt collection

I was never notified of the debt by the original medical office. I believed the sum in question was to be paid by insurance. My first notice of the sum due arrived from a debt collection agency, with a threat to notify credit bureaus. 
When I called the medical office, their automated service told me there was no balance owing.
Product: Credit card or prepaid card

I got my card locked from DirectExpress and its been 3 days straight Ive been on the phone up to 5 hours at a time and no answer havent been able to get a hold of anyone I havent been able to pay my rent or purchase any food