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

On XXXX XXXX, 2017, I accessed the website to learn that I may have been impacted by the Equifax breach. As a new member ( still a college student ) navigating the complex credit system, I had no idea how I could receive help and read online that there may be a lot of deception behind Equifax 's system. Upon attempting to access my credit report online via Equifax, I got an error and could n't navigate the system to get it on paper ; plus, I would like to have the information now to know that I have n't been compromised.
Product: Credit reporting or other personal consumer reports

The XXXX XXXX XXXX Account- Disputed discrepancy in reporting contradictory open and closed dates and that account was too old to be reported to credit bureaus. TransUnion removed account from Credit Report but XXXX and XXXX did not. ( Report Created On : XX/XX/2024 File Identification Number : XXXX Provided by TransUnion Consumer Relations. INVESTIGATION RESULTS- DELETED : The disputed items ) was removed from your credit report. ) ( In response to your dispute, this item was DELETED from your credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Between XX/XX/2024 and XX/XX/2024, your credit card account with XXXX XXXX XXXX XXXX XXXX XXXX was removed from your credit report. )
Product: Checking or savings account

On XX/XX/XXXX there were several unauthorized charges to my account totaling almost XXXX dollars. After noticing, I reported these charges to Credit Karma but they sent me a letter saying that they would not refund me for these unauthorized charges because they were authorized I didnt authorize them!
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Student loan

Idiots. This is not a duplicate complaint. ONE IS FOR XXXX. THE OTHER ONE IS FOR ASCENDIUM. 

NOT A DUPLICATE NOT A DUPLICATE NOT A DUPLICATE XXXX This is for Ascendium. 

NOT A DUPLICATE. NOT A DUPLICATE. NOT A DUPLICATE. NOT A DUPLICATE. NOT A DUPLICATE. NOT A DUPLICATE. NOT A DUPLICATE. NOT A DUPLICATE. NOT A DUPLICATE. NOT A DUPLICATE. NOT A DUPLICATE. NOT A DUPLICATE. NOT A DUPLICATE. NOT A DUPLICATE. NOT A DUPLICATE. NOT A DUPLICATE. 


YOUR COMPLAINT Ascendium, the loan guarantor ( and XXXX, the loan servicer ) are both threatening collection action, call the loan and damage my credit history for an amount they claim is overdue, but I am actually paid ahead. Ascendium sends letters and calls, but I offered to sit down with someone to go over my payment history evidence. Ascendium tells me I have to talk to XXXX. " ... see attachment for full text. ''
Product: Prepaid card

I have been a customer of Rushcard since XX/XX/XXXX. On XX/XX/XXXX i received a refund over {$2400.00} to my rushcard from my Home Mortgage Insurance company. Rushcard immediately froze my account and labeled this matter as fraud. They would not even allow me to access funds i already had in the account before the refund was deposited into my account. i sent in proof of my identity and the insurance company sent in proof of this transaction showing it is legeit. Rushcard will not allow me still to access the funds that were previous in my account. i have XXXX kids to feed and i have no money because all of my money was on my rushcard debit card. Your help is greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX # XXXX and Knight Adjustment Bureau # XXXX are double reporting the same debt to my credit report, this is a violation of the Fair Credit Reporting Act and they should not be double reporting. I need this removed off of my credit immediately.
Product: Payday loan, title loan, personal loan, or advance loan

I sent e-mail to them requesting that I can pay the amount in XXXX installment payments but not the outrageous fees of {$4000.00} dollars for an amount of {$1000.00} I use the money to cover a medical bill. They need to stop charging my bank and work with me to pay off the loan but the outrageous fees.
Product: Checking or savings account

I filed a merchant dispute complaint on XX/XX/2022, Dispute ID : XXXX, at Mechanics Bank for 2 POS ( Point Of Sale ) transactions charges XXXX. The merchandise was defective and the company did not want to honor the warranty. I also submitted another complaint merchant dispute for ACH transactions charges XXXX, Dispute ID : XXXX. I received a letter from Mechanics Bank for both disputed transactions and they made the decision that they could not help me with my claim and closed the investigations. I would like for you guys to investigate if the bank made the correct decision under the law. Thank you
Product: Debt collection

This {$2400.00} amount is showing on my XXXX Credit Report only, not on XXXX or XXXX? This debit started on XX/XX/year>, I have never received any written notice or other notice for that matter and it is not mine. I have XXXX delinquencies on my credit reports and am perplexed as to why this is on my XXXX Report? The name of the debtor is Affirm in XXXX XXXX, Ca.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico 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 n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX XXXX XXXX XXXX XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive 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 n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today I was contacted by appointment with XXXX XXXX in an attempt to transfer 401k investment accounts as a result of my recent departure with my employer. I called XXXX XXXX ( also XXXX ) to  move my investment account to a different selected portfolio within their infrastructure. I met with a financial advisor who spent in totality more than 2 hours walking me through my options over the course of the last two days. I elected an IRA account with no withdrawals and was taken through the account launch process which lasted approximately 30+ minutes.

On the telephone, I specifically asked the representative if my credit report was going to incur a hit and I was advised " no, that this was not required ''. However, upon submitting my personal and financial information, I received an automated denial notice with indication as to why. I asked to speak with a manager and was finally advised that I was listed on a " do not open warning list '' with no further explanation. I then called BOA who transferred me to the " closing department '' ( XXXX ) and was advised that BOA closed a checking account in my name for " reasons unknown '' in 2013. They then advised that they reserved the right to do so despite the fact that my credit was in good standing, I had no outstanding returned checks and quite frankly never have, and despite me having absolutely no accounts in collections or otherwise and maintain a quality credit ranking. 

I further inquired as to why BOA would allow me to keep an investment account with my former employer and in-turn, refuse approval of an IRA account ( XXXX ) when in fact, they solicited and even specified that I review my available options to reallocate these funds to another BOA investment product now that my employer is no longer making contributions. I asked why they would send me solicitations regarding my options if their system of record was in-fact predetermined to deny my application without a true and clear review of my credit report and financial qualifications. Thus, AFTER placing an unnecessary inquiry on my credit report and taking me through hours of a deceitful exchange. 

I have never been denied a checking account or credit for that matter and maintain an excellent rapport with XXXX XXXX for day-to-day banking. As such, XXXX should be utilized by BOA as a true example of professional banking standards and regulatory compliance. This was surely a waste of BOA employees time, of mine and is a clear example of a break in process.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is directed to Transunion credit bureau. I have followed their process to remove XXXX hard inquiries that I didn't do. I sent a letter on XX/XX/XXXX regarding these XXXX inquiries : XXXX Bank XX/XX/XXXX XXXX Bank XX/XX/XXXX I didn't receive any information moving forward. So I called multiple times between XXXX XXXX. On the last call on XX/XX/XXXX at XXXX EST I was on the phone with the rep name as XXXX XXXX he refused to give me his last name and his employee id #. The call lasted XXXX mins of XXXX being aggressive on the call about the removal of the inquiries. I stated to him several times I've sent letters which he confirmed they received and nothing was done about the inquiries. He confirmed what I had believed at the beginning that they were going to give me the run around and never fix the problem. 

In result I would like for Transunion to provide physical documentation proving that these inquiries was " me ''. When documentation isn't presented those XXXX inquiries need to be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX  and 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 reported in those account to be removed.

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. 


XXXX XXXX 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 1002 and It was never provided. 

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

Delete the late payments from my consumer reports
Product: Mortgage

I had a mortgage with Wells Fargo during period described in the XXXX XXXX law suit and was never notified. They may have tried with an old email but I should have received notification in the mail and I did not. My mortgage was with them during the timeframe identified XXXX to XXXX ( it was around XXXX ). 


Wells Fargo XXXX XXXX XXXX XXXX Was wondering if I should contact them or to go through your ageny?
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.despite using zelle numerous times and reporting discrepencies, 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 CFPBS 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 .this lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit card or prepaid card

I am in XXXX XXXXXXXX XXXX for the past 2 years. 

Due to limited internet access, I have not been able to manage my account properly. 

I would like my interest to be refunded through my conversation with customer service conversation representative with American Express. I have paid all my outstanding balance. 

I would also like my account be restored, since I have been with American Express for the past 5 years ( since 2018 ). 

I would also like to have my negative impact on my credit report to be removed. 

Please find my current contact below : phone : XXXX XXXX Email : XXXX Address : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX contact through Email
Product: Credit reporting or other personal consumer reports

According to FCRA XXXX, incorrect accounts should be removed from my credit report. Can you please review the documents? Some accounts listed have inaccurate reporting details, amounts, and dates.
Product: Mortgage

I applied for a " rocket Mortgage '' on Quicken 's site thinking I could do the mortgage online XX/XX/XXXX. I was then called every hour for about a week with people wanting to talk to me about a mortgage. I never received any disclosures despite them reviewing all 3 credit reports. I never received any documentation about where my scores were or what products were available but NUMEROUS calls about how their agents could assist me on the phone. After over 10 days of little to no documentation in writing I requested to ONLY be contacted in writing. I received 1 email and NEVER received any disclosures.
Product: Student loan

In XX/XX/XXXX I refinanced my student loans with the federal gov in order to participate in the Public Service Loan Forgiveness program. Due to incorrect information and a mistake on the part of the person who assisted me I was put into the incorrect payment plan structure ( standard repayment plan ) which I only accidentally caught in XX/XX/XXXX. This denied me 9 months of the loan forgiveness program and cost nearly {$10000.00}. The payments made on the incorrect payment structure are higher than the payments made on the correct plan ( income based repayment ). I have been trying to resolve it ever since but every time it seems someone is going to  help me I never hear from them again. 

Apparently there is an appeal process but noone knows how it works and there is noone to physically speak with by me or the loan officers so there is no way I can tell if they have actually reviewed my materials or not. 

Since this time XXXX XXXX XXXX has made multiple other mistakes on my account, only caught by hypervigilance on my part due to no faith in business practices. Things such as putting my loans in deferment without my permission, Sending me a letter stating I made 154 qualifying payments ( 120 necessary for loan forgiveness ). That one was in my favor so they addressed that immediately.
Product: Student loan

I am an XXXX XXXX service member and my student loans were held with XXXX, I was just notified that my student loans were sold to another company. I think this action was unjust, my loans should be transferred back and included in the recent court judgment that was assessed against XXXX.
Product: Debt collection

AUGUSTA COLLECTION AGENCXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ga XXXX has been sending me collection notices in the amount of {$410.00}.. THE COLLECTION HAVE BEEN REPORTED AS PAST DUE BALANCE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE BUSINESS WITH THIS COMPANY. THIS COMPANT DOES NOT HAVE A CONTRACT WITH MY SIGNITURE.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 a certified letter was sent to equifax informing them that there was a number of inquiries on my credit report that was not authorized by me. they recieved the letter and to this date they have NOT removed these or inquires or have responded to me in any way. Im asking these inquires be removed and equifax be fined. 

This lack of doing the right thing has cost me a denial of credit.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block Inc. ) due to inadequate customer service and unfair practices, which violates The Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

i have file numreous complaints on ocwen loan co. for 4 yrs. now. 4 yrs. and you people have let this go on for 4 yrs. now and now we are going to lose our home. i have repeatedly told you that they are practicing improper practices ( for 4 yrs. ) one day this co. will send us a letter stating our app. is complete and the very next day they will send us a letter stating they need something els. not once, not twice, 4 yrs worth. and i know XXXX XXXX doesnt work for ocwen she started the cfpb and she needs to know that you guys are collecting paychecks for nothing. every complaint i have made you send me a letter stating what ocwen says, i know what ocwen says, and what they say is wrong. they are ruining peoples lives and you people are letting them. 4 yrs. to put a family through XXXX is about enough, dont you think so? what if they was doing this to your mother, daughter, brother, sister, you can bet your XXXX would be putting a stop to it then, right? when i first called ocwen for help they told us we must be 3 mo behind before they can help us. we reluctantly did and its been hell from there. we filled out an app. for help and the very first offer they made us was a higher housepayment. thats ok, right? then they drug it out for almost a yr. having us refax, resend, rewrite, redo, whatever it was, they did it.thats ok, right? we found save the dream which helped us for 15 mo. and i honestly thought ocwen would be gone by then for their improper practices. nope, they are still here. so we reapplied, and of course, they started it all over again. well, we lost or cant find this, can you rewrite that, refax, redo. and this is ok, right? 4 yrs. worth. i hired XXXX lawyers, XXXX took our money and ran so i hired another XXXX to get our money back from him and he took half that so here we are that much more behind. one day a relationship mgr. will call us and tell us our app. is complete, 2 days later they call and need something else. not once, not twice, 4 yrs. worth. i have every bit of my paperwork and documentation to prove this and i also have all my paperwork from you guys thats basically says ok, oh well. and thats ok, right? this co. is ruining lives!!!! and no one cares. im going to go to XXXX news and try like XXXX to get our story on there. i thought i was alone before but now i have like XXXX other people ocwen is doing the same thing to. and thats just in 2 days. ill find more. bc obviously i cant do this alone. and no one in the govt dept. gives a XXXX. FOUR YRS OF XXXX. I now have an XXXX, which is due to how your body handles stress. mmm? not only am i now complaining about ocwen i am contacting the XXXX and complaining about you .... im sick of this XXXX. you people do not belong there if your not going to do your job.
Product: Debt collection

Im making this complaint because I have filled a ftc report, as well as disputed this fraudulent debt XXXX  times with no resolution. In need of help with the false discipinces on my consumer report. 


Account XXXX XXXX XXXX Account Type : Collection Account Status : Derogatory Date Opened : XX/XX/XXXX Balance : {$110.00} Payment Status : XXXX XXXX  Reported : XX/XX/XXXX
Product: Credit card or prepaid card

I went to a XXXX ( gas ) station ( private label credit card ) and was not able to get gas for my car. When I called their customer service number to discuss the issue ( XXXX ) I was alerted this account was closed. I asked when and why this account was closed since I have been a customer since XXXX. The account rep told me the account was closed in XX/XX/XXXX due to inactivity. Then I asked if they could furnish me with proof that I was alerted that the account was " in danger of closing due to inactivity ''. Furthermore, I also asked if they could furnish me with proof that I was alerted that the account was " closed due to inactivity ''. The account rep could not because as the customer I was NOT alerted in any way, shape, or form. I believe this is in clear violation of my rights as the account owner, not because the account was closed, but because I should have been made aware of the account closure either before OR after. None of which took place. Please hold this financial institution accountable for acting fraudulently.