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

I have disputed Student loan late payments with Equifax MULTIPLE times over the last few months. Each time they come back with the same generic, 'verified ' response and change around different payment amounts and dates. However, XXXX XXXX, XXXX, they successfully removed all late payments on all four XXXX accounts. I was pleased as I thought they had finally gotten it right for once. Unfortunately, I was wrong, as they added all previously deleted late payments back on only ONE of the accounts.Which as you know is impossible for only one of the accounts to have late payments as they are all connected. I am well aware of the FCRA law ( section 611 a,5, ii ) that states that anytime a consumer reporting agency reinserts a previously deleted item from a consumers report, they must notify that consumer within 5 days of reinsertion. I patiently waited the five days for them to provide me the information they were legally obligated to, which never came. I then mailed them a letter stating all the information regarding the reinsertion, and stated the law supporting my claims and that I requested immediate removal of this account information. To date ( XXXX XXXX ) I have not been contacted by anyone or been able to get this matter resolved. I then awoke this morning to see that they have yet again added all previously deleted late payments back to the remaining three accounts. This is a clear violation of FCRA law forbiding the bureaus to reinsert this information without proper written notification to me. Not only have they reinserted the information, but the info they added back does not even match the other accounts. EVERYTHING should be the exact same on these accounts. That in itself is a violation because it proves that they are reporting unvalidated incorrect information.
Product: Money transfer, virtual currency, or money service

Im here because Zelle is not handling things correctly!! Theres significant issues with this platform and its even being brought to light finally with the CFPB lawsuit. I have used Zelle many times and have reported my discrepancies, but Zelle failed to investigate my claims adequately.They told me that getting my money back was impossible and they could not track down the transaction. The CFPBs findings indicate that Zelle has not only neglected to protect customers but has allowed repeat offenders to exploit the system. The lack of accountability and transparency is completely unacceptable. This is leaving us vulnerable to all these scams and its ridiculous and quite frankly unsafe!!
Product: Credit card

Purchased XXXX  by mistake, when I meant to purchase XXXX XXXX. Both are {$99.00}. Thought I could maybe just cancel and purchase the other, or at least transfer. Was told no. And to purchase the right one next time. Terrible resolution. 
XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am writing to request a reinvestigation of the information contained in my credit report in accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information. I recently reviewed my credit report and wish to ensure that all the information is 100 % correct and accurate.

Below are the accounts I am requesting to be reinvestigated : Account Name : XXXX XXXX XXXXXXXX Account XXXX
Product: Debt collection

i HAVE NOT HAD XXXX SINCE 2007 AS FAR AS I REMEMBER, I HAVE CONTACTED DIVERSIFIED CONSULTANTS TO ADVISE AND THEY HAVE HAD THIS IN DISPUTE FOR 90 DAYS NOW AND REFUSE TO REMOVE IT FROM MY CREDIT REPORT OR SEND ME PROOF THAT THIS IS MY DEBT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already filed a written complaint and sending correspondence for evidence and l would like to know the status of my complaint.
Product: Mortgage

From XXXX XXXX I was contacted by FBC Mortgage , LLC Underwriter XXXX XXXX and she was disrespectful and Call me to verify a credit card that was paid off and was at a XXXX balance. She had me call XXXX on the phone with her on the line to verify that it was a XXXX balance. I had to state my password and other personal information and once I completed the call I called XXXX and changed my information. I submitted documentation showing my credit card had XXXX balance and credit in my favor. I also submit the document for my XXXX XXXX as well. She went on to ask me why I purchase grocery at the military base and why did I withdraw {$140.00} from the ATM. She stated are you sure that was your XXXX XXXX  money and that is when I stop speaking to her. When I requested FBC mortgage for her information and that I will like to file a formal complaint against her for her unethical and disrespectful behavior. I feel she was discriminatory towards me because of my veteran status. FBC gave me only an email to file the complaint and no one has contacted me. FBC refused to give me her information or reprimand her or even apologize for your behavior. This is no way to treat a veteran and a XX/XX/11 survivor. This underwriter is biased towards veterans.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I  may b e entitled to under Sectio n 616 and Section 617 re garding your continued willful and negligent noncompliance. Despite my previou s 2 written  requests, the unverified items listed below still remain on my credit report in violation of  Federal Law. Yo u stated in your responses to m y 2  dispute letters that you have verified that the items listed below are accurate but you failed to send me copies of the documents that you used to verify these accounts as per my request. The fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you cant and did not verify any of the disputed accounts like you said you did. Your failure to delete the disputed accounts that you cant verify aft er two wr itten requests is also evidence of your willful disregard o f Federal Law.   <P/> When we go to litigation and through the discovery process you will be required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. The fact that you dont have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law and t he Court will order you to delete them.   <P/> You say that you have reinvestigated these accounts but youve admitted that all you have done is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation o f 1681 ( a )   ( 4 ).   <P/> I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violatio n of Federal Law and e vidence of your willful disregard of the law.  <P/> Please be advised that under Se ction 611 ( 5 ) ( A ) of the FCRA  you are required to promptly DELETE all information which can not be verified. I request that you do this immediately.  <P/> The law is very clear as to the civil liability and the remedy available to  me ( Section 616 & 617 ) if  you fail to comply w ith Federal Law. I am  a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand that you delete all of the accounts listed below immediately & provide me with a copy of an updated and corrected credit report showing that these items have been deleted.  <P/>  XXXX   XXXX   XXXX  UNVERFIED ACCOUNT/NO CONTRACT
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached an FTC report with XXXX accounts and inquiries I did not authorize
Product: Credit card or prepaid card

On the date XX/XX/XXXX of this year Unemployment released my payments to KEYBANK which than processs me to receive a card. KEYBANK NEVER SENT ME A CARD! They keep telling me unemployment never sent a email to the bank for my account to be unlocked! THATS NOT TRUE! UNEMPLOYMENT SENT NUMEROUS EMAILS TO KEYBANK FOR MY ACCOUNT TO BE UNLOCK AND I BELIEVE THEY DID SEND S EMAIL BECAUSE I STILL WAS RECEIVING AND STILL RECEIVING PAYMENTS BUT ITS ONLY DUE TO THE FACT I SWITCH THE OPTION TO GET DIRECT DEPOSIT! ITS OVER {$4000.00} that unemployment sent to key bank and the bank never even sent the bank back! Its to the point I call the bank they now telling me its {$0.00} in my account so wheres the money that was sent since XXXX?!?! Im so confused and I need help!
Product: Credit reporting

I am writing in regards to an Auto Loan Repo that has been on my credit report for more than 7 years, which is beyond the statue of limitations in CA. It has not been removed from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to work with the bureaus and they have not responded to my letters. I am trying to provide for my family and make a better life for myself and they will not and have not removed these inaccurate items from my report. I need to hear something back from them so I can finish this process. It is causing immense hardship.
Product: Money transfer, virtual currency, or money service

PNC REFUSES TO GIVE ME MY MONEY BACK. They made me pay them back for a scam on my account and I am unemployed. IT WAS A SCAM THEY HAVE INSURANCE FOR THIS. They have not even tried to resolve the issue. They just keep trying to call me to tell me the decision will not change. GIVE ME MY MONEY BACK NOW. Also, when I was widowed and inherited this account in 2016 they stole a bunch of money out of the account. It was my husbands account. No one informed me I would get fees for a lower balance than {$700.00} or fees for him no longer having a direct deposit on the account. They would not reimburse me.
Product: Credit reporting or other personal consumer reports

I have been requesting from LEXIS NEXIS a copy of my Consumer Disclosure Report, to NO avail, whatsoever. I have attempted to obtain it via regular mail and certified letter with confirmation, return receipt. However, I have never obtained the report, despite incurring costs to make copies, pay for postage, travel to and from the United States Postal Service Station. Not only that, when my letters failed to generate a response from the company ; I even phoned them, only for them to request the same identification that I'd sent along with my mailed letters. Thus, I complied with the request that I was given via phone only to not even receive any report to download ( as I was told that I would be supplied with a copy for download ), once my information was " verified. '' And that I could call back in 45 minutes after uploading the documents to be given a code to obtain the download. Well, once I called back, I was told my email with the credentials to download the report would be forthcoming. However, that did not happen. 

I am seeking help to finally be able to obtain my Consumer Disclosure Report from Lexis Nexis. ***** PLEASE SEE ATTACHED COMMUNICATION from XX/XX/2023 ***** confirming that they received my " Communication '' which was my uploaded Texas DL and Social Security card, again ( which was what they requested during my phone call ) and instructed me to follow the directions in the email. This was my 3RD ATTEMPT, in 2 years trying to obtain my Consumer Disclosure Report from Lexis Nexis.
Product: Mortgage

I am also a victim of Green Treen and Ditech charging {$12.00} for the my mortgage payment.
Product: Debt collection

This account does not belong to me. I do not know where this account came from but it definitely is not mine!
Product: Credit reporting or other personal consumer reports

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and XXXX am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Product: Checking or savings account

I have been trying as the executer of my mother 's estate to get People 's united bank in XXXX to disperse my deceased  mother 's CD funds to the listed beneficiaries. I first went to the bank in XX/XX/2021 ( her death was XXXX ) and provided a death certificate. I was advised that I needed a letter of authority to disperse funds. Other accounts ( with different financial institutions and listed beneficiaries ) were dispersed without such requests. I eventually got a letter of authority from the probate court in XXXX  and provided this to them along with current addresses for all my siblings as beneficiaries. My mother had us all listed on this account. The People 's representative then stated that they wouldn't accept this letter of authority. I have since got the estate lawyer to apply pressure to disperse the funds, but they have gotten the run around as well. I had no such trouble with the many other bank accounts, ira accounts, or 401k accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I FILE MY DISPUTE WITH THIS CREDITOR XXXX XXXX XXXX  BACK IN XX/XX/XXXX THROUGH THE CONSUMER FINANCIAL PROTECTION BUREAU .YOU ALL SUBMITTED MY COMPLAIN THROUGH XXXX XXXX XXXX XXXX XXXX . XXXX XXXX XXXX DID INVESTIGATION ON MY DISPUTE AND THEY SENT ME A LETTER EXPLAINING THE RESULTS AND I HAD A CHANCE TO TALK TO XXXX XXXX ON THE PHONE REGARDING MY COMPLAIN. I HAVE SENT EXPERIAN, XXXX, AND XXXX A COPY OF THE RESULTS AND STILL THEY HAVE NOT UPDATED WHEN THE ACCOUNT WAS CLOSED AND ALSO THE RIGHT DELINQUENT DATE WHEN THE ACCOUNT SHOULD FALL OF MY CREDIT REPORT. THIS ACCOUNT WAS OPEN IN XX/XX/XXXX AND THE ACCOUNT WAS CLOSED IN XX/XX/XXXX.. ALSO I STOP MAKING PAYMENT ON THE ACCOUNT IN XX/XX/XXXX THAT WHEN I WAS 90 DAYS LATE DELINQUENT. ACCORDING TO XXXX, EXPERIAN  AND XXXX   XXXX I WAS DELINQUENT ON XX/XX/XXXX/ THAT DATE IS INCORRECT. ACCORDING TO THE INVESTIGATION ON MY DISPUTE IT STATES THAT THE ACCOUNT WAS PERMANENTLY CLOSED ON XX/XX/XXXX. SO WHY IS THE CREDITOR BUREAU ALLOWING THIS ACCOUNT TO STAY ON MY CREDIT REPORT WHAT IS HAPPENING IS THIS ACCOUNT IS RE AGEING .FROM 7 YEARS OF DATE OF DELINQUENT. SO IF I WAS LATE THIS ACCOUN T SHOULD OF BEEN REMOVE LAST MONTH IN XX/XX/XXXX. ACCORDING TO THE CREDITOR BUREAU THIS ACCOUNT IS NOT DUE TO COME OF UNTIL XX/XX/XXXX WHICH IS NOT RIGHT. I CONTACTED XXXX XXXX XXXX XXXX ON THIS MATTER AND THEY STATED THEY ONLY KEEP RECORDS UP TO 5 YEARS ONLY. I EXPLAIN TO THEM ABOUT DISPUTE THAT WAS DONE EARLIER AND THEY STATED THERE NOTHING THEY CAN DO. I ASK TO SPEAK TO A MANGER WHICH I WAS TOLD THAT SHE WILL BE LOOKING AT THE SAME INFORMATION THAT WE ARE. DISPUTING THROUGH THIS ACCOUNT THROUGH THE CREDIT BUREAU WOULD BE WASTE A TIME AGAIN SINCE IVE DONE IT AND I SENT A LETTER THAT EXPLAIN THE DETAILS OF WHAT A THIRD PARTY FOUND TO BE BUT STILL NOTHING. I HAVE SUPPLY MY EXPERIAN CREDIT REPORT BACK DATED XX/XX/XXXX AND I SUPPLY MY EXPERIAN CREDIT REPORT DATED XX/XX/XXXX AND I SUPPLY THE LETTER FROM XXXX XXXX XXXX XXXX XXXX AND ACCORDING TO EXPERIAN THEY COULD NOT USE THAT FOR MY DISPUTE. EXPERIAN DOES NOT VERIFY YOUR DISPUTE SO HOPEFULLY THIS TIME AROUND IT GET LOOK AT AND UPDATED CORRECTLY. THIS ACCOUNT SHOULD NOT BE ON MY CREDIT REPORT AFTER THE 7 TEARS MARK. THE SAME FOR XXXX XXXX AND XXXX I SENT A COPY OF MY CREDIT REPORT THAT SHOWS THE ACCOUNT. I HAVE SUMMITED A COPY OF MY XXXX AND MY XXXX XXXX CREDIT REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly that I am 90 days past due on the DEPT OF ED/XXXX XXXX account. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference page 1 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1.  This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX was bought out by XXXX XXXX XXXX in XX/XX/XXXX, XXXX XXXXXXXX XXXX did not take on the credit cards associated with XXXX XXXX XXXX, had been a customer for since XX/XX/XXXX, never late with a payment ever. We were told that we could no longer stop at the bank to make our payments, this is where the fraud started if you contact XXXX it is credit card services, located in XXXX Texas, under the name of XXXX XXXX XXXX that no longer exists, they will tell you after you keep pressing the option after making the call double XXXX, 2 times you are transferred over, I had mailed check payments to an unknown address only a XXXX XXXX XXXX and they were returned, this bank has traumatized numerous customers especially myself and they need to be investigated asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

After checking my credit report online via XXXX XXXX and XXXX. I would to dispute my PayPal and Bill Me Later closed account. In 2011, I purchased a mini XXXX laptop for myself and an XXXX laptop for a friend. The mini laptop was paid off and the second laptop could only reach five payments. The account is noted as an Revolving account on Paypal.  The account is paid satisfactorily and I would like to have the account removed from credit history as well as an increase in my credit score for XXXX and XXXX. Also, note that the following laptops while moving were lost/ stolen.
Product: Credit card or prepaid card

I called in today ( XXXX2018 ) to discuss an issue with a billing cycle change and was told that my call would be recorded. I asked if they would provide me with a copy of the recording if I requested it. They said no. I then told them that I would record the call as well. They told me that I could not do that and they would terminate the call if I recorded it. 
I asked why they could record the call but I could not. No answer was provided other than that is their policy. Why is Chase Card Services entitled to record the call but I am not?
Product: Student loan

I previously had my substantial student debt serviced by XXXX. Within the last year, the servicer was changed or the account was sold to Nelnet. 

Under XXXX, by default any overpayment of your monthly payment amount was automatically applied to principal. Thus, in the case of long term repayment plan, reducing the term and overall dollar amount of payments over the life of the loan. 

With Nelnet, there is no option to apply overpayments directly to principal on their paper statements or on the website ( I use electronic payments through the website ). Nelnet by default takes your overpayment and applies it to reduce your next payment. Buried deep within the fine print, dropdown menus, and additional steps which include a phone call to an account representative, there is an option to call them to change the allocation and have overpayment applied directly to principal. 

I submit there is a very good reason this feature is buried and not easy to accomplish. The servicer will be fleecing anyone who does not understand the difference of advancing to a future payment vs being applied to principal. I am sure there are plenty of borrowers out there that do not understand the difference and will ultimately be paying more than necessary over the life of the loan. I believe this is a deceptive practice. A practice I actually believed was illegal but perhaps only when applied to credit card issuers. 

I generally do not take the time to write complaints, but this practice will result in perhaps many thousands of borrowers significantly overpaying on a long term loan because they being taken advantage of by these deceptive practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX should not be reporting to Equifax and XXXX  a chargeoff in the amount of {$1100.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I had GAP insurance at the time and the claim was paid in full. There is no outstanding balance due and therefore there is no collection/chargeoff to report. ( I have attached a copy of the check from XXXX for {$6100.00} dated XXXX along with a letter confirming the payment from XXXX XXXX dated XXXX. ) This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted XXXX as well as the bureaus to fix this however, I have not been successful.
Product: Checking or savings account

XX/XX/2020,, Cont Issues, Yes I Received ( 2 ) Letters,, Explaining The,, Unathorized Bank Account Settlement Claim Website,, Went To That Website, Too Many Times And Got The Same Response,, The Amotated Machine Said They Where,, Very High Call Volume And Put Me On Hold For About,, 5mins And Then Hang Up Repeatly, So I Just Stop Calling,, This Was Very Frustrated,,,, And I Called Again On,,XX/XX/2020,, Same Response,, Call AOn,,