23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

On XX/XX/year>, the first date Sloan ( instead of Nelnet ) was to deduct ACH payment from my XXXX account ; Sloan failed to do so. The Sloan website showed that payment was made on XX/XX/XXXX even though it wasnt deducted from XXXX. I contacted Sloan by phone and I was told to check with XXXX as Sloan saw the loan paid ( XXXX had no record of even an attempt to deduct payment ). I followed up with an email to Sloan and received a nonsensical email response that seems automated about payments on weekends and holidays. One month later I received a noticed by mail that payment wasnt received and that my good payment/ACH benefit would be removed. I manually paid Sloan to keep my account in good standing and re-setup my auto debit. On XX/XX/XXXX, I received a letter from Sloan stating that my delay period ( deferment, forbearance, or six-month grace period ) would soon end ; I have never ever been in a delay period with Sloan. My account is in good standing, auto paid regularly on the XXXX of each month ( and have been for over a decade with Nelnet ), Sloan clearly made a deduction mistake, and I am no longer receiving the good payment/ACH benefit.
Product: Credit reporting or other personal consumer reports

I have a goal of getting a XXXX as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and XXXX XXXX XXXX XXXX XXXX Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified both XXXX and Experian that the late payment was wrongly submitted. I have provided documentation of police reports, ftc number and cyber crime along with notice that my bank account was closed. All of this is because of ID theft and fraudulent activity which has resulted in accounts being closed and causing problems beyond my control. Ive never missed a payment in over 20 years on my credit report. This is the first time and again because I was victim of identity theft. I notified the company and was making attempts to pay this but bank account was closing.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX Account Name : XX/XX/XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXX/XX/XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name :XX/XX/XXXX Account Number : XXXX Account Name :XX/XX/XXXX Account Number : XXXX Account Name : XX/XX/XXXX Account Number : XXXX Account Name XX/XX/XXXX Account Number : XXXX
Product: Checking or savings account

I approached the drive through window at First Interstate bank, located on XXXX XXXX in XXXX XXXX XXXX.I asked the Teller for {$150.00}, after recieving the money, i laid the cash on the seat of my truck, after pulling forward appoximatly 10 feet, I realized not all my money was there ( I was short {$2.00} ), I then backed up to the teller window, and the teller acknowledged she had shorted me {$2.00}, I then waited for her to hand me $ XXXXafter a minute or so, i look back at the window and another bank employee is standing there, when i asked what was going on? He informs me that they have to count the drawer, I then mentioned the teller had already acknowledged the error, after counting said drawer, i was informed there was no error and the bank did not owe me $ XXXX.I then told the tellers i would be coming into the branch, Upon entering the branch i spoke with the branch manager and asked how a simple error by an employee, who had already acknowledged the error, get to this point? She informs me that she will credit my account, when I asked if she could give me something in writing saying so, she asked me to leave, when i questioned her again about my missing money, she threatened to call the police, so I called the police and told them i was being robbed at the bank, when the police got there, the branch manager had already closed my account and said i was trespassing, closing my account from a mistake starting with an employee error, is going to cause checks to bounce, I never received the money i was shorted.All of this is on security video, someone needs to hold these people accountable for their actions of incompetence
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 violate 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: Credit card or prepaid card

I called and told capital one I didnt do a charge and they wont take it off. Gave me a new card for it at least that was already active and someone used it before I actives called and asked about it and said it was using during the night which I didnt even have it yet. How does that happen unless they are already having them active before sending out and knowing the information
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Account Number : XXXX PLEASE DELETE FROM MY CREDIT REPORT IMMEDIATELY I disputed the referenced account above on XX/XX/2021. The credit report of XX/XX/2021 and your report # shows results that these items were deleted from the credit file. Now I notice these items have been reinserted on my credit report. 

In accordance with the requirements of the FCRA as shown below, I am hereby requesting your complete compliance with any and all of the provisions : FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Requirements relating to reinsertion of previously deleted material.

Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinsert in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate.

If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date.

( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information.

I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. Your agency may avoid such action by immediately deleting this listing from my credit report.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns with Zelles handling disputes, particularly in the light of the recent CFPB lawsuit, highlighting the significant issues with the platform. Despite using Zelle numerous of times and report and discrepancies my financial institution in Zelle fail to investigate my claims adequately they informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. To see if CFPB findings indicates that Zelle has not only neglected to protect consumers but have 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 reporting, credit repair services, or other personal consumer reports

XX/XX/2022 XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, New Jersey XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX ATTN : EQUIFAX DISPUTE/CLIENT RESOLUTION SPECIALIST RE : ( XXXX  XXXX Bankruptcy : Bankruptcy Reference Number : XXXX ) According to the FCRA, in order for you to furnish the alleged US BANKRUPTCY COURT referenced above, you would need to be able to both VALIDATE and VERIFY the information with original creditor. The US Bankruptcy Court would be the original creditor to furnish this information and has previously communicated with me, a federally protected consumer through documented mail that they DO NOT furnish any corresponding information to ANY of the CRAs. Including but not limited to the 3 MAJOR credit reporting agencies and the minors such as XXXX XXXX, XXXX XXXX XXXX, and the likes. US Bankruptcy Court has also assured me that it is not within their policies or obligation to validate any public records. Following my confirmation with US Bankruptcy Court I also confirmed with XXXX that they were not able to validate this alleged bankruptcy in accordance with federal law. 


Having the above mentioned information, EQUIFAX is violating my federally protected consumer rights. In addition to that violation you are also committing fraud since you claim to have verified this bankruptcy but your sources deny that. Should you need a reminder please refer to 15 USC 1681 ( A ) ( E ), 15 USC 1681C ( A ) and 15 USC 1681B ( A ) ( 1 ) ( 2 ). I DID NOT give you neither direct nor indirect permission to furnish my information. I am hereby demanding this entry be permanently removed from my EQUIFAX consumer file and report within 30 days from the day you RECEIVE this letter. Should you choose to be negligent and willfully non-compliant in rectifying my affairs, I will follow up with a complaint to CFPB and initiate monetary arbitration in small claims against EQUIFAX. 

Warm Regards, XXXX XXXX : XXXX Without prejudice, all natural inalienable rights reserved.
Product: Debt collection

I've tried calling to figure out why I owe this debt and attempted to get more detail on to why I've been told I owe this money. I've sent certified mail to Credit Collection Services and haven't received or heard anything back from them since I've sent a debt verification letter over a month ago.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states : " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' AMERICAN EXPRESS is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' AMERICAN EXPRESS the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, AMERICAN EXPRESS whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party - the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code $ 1681s-2 ( A ) ( 1 ) A states " A person shall not furnish an 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services "
Product: Checking or savings account

I have one saving account and several CDs with Marcus by Goldman Sachs ( XXXX XXXX XXXX XXXX, XXXX, UT XXXX ; XXXX XXXX XXXXXXXX ). 

Last month, when I tried to transfer my money out of Marcus, I was told that all my accounts were locked. I called Marcuss customer service many times to solve the problem but failed. Everytime I had to speak to a new representative and had to have long conversations with them, but none of them were able to solve the problem. They said I need to complete an Affidavit of Identity by mail but I never received such mail. They also said someone will call me to verify my identity and I never received such call from them. They locked my account for no reason and did not try to help me to unlock it. Now, I really need the money since my baby is XXXX XXXX  and is staying in XXXX. I must get the money immediately to save my baby! Thats too tough for a mom to take care of her baby and at the same time had to deal with this ridiculous situation.
Product: Payday loan, title loan, or personal loan

Opened a Self Credit Builder Loan in XX/XX/2020, reduced hours and eventually lay off within 2 weeks due to the National Coronavirus Pandemic. Contacted Self to close the loan and account. Account was paid in full by security interest Certificate of Deposit. 

Account was not closed until lender showed 3 late payments. The account is showing closed on my report but not reflecting accurately as to payments. There were no payments made or due as the loan was not open long enough and was immediately paid in full. 

Have contacted the company and have encountered long wait times and then promises of corrections and email updates that never come to fruition. 

This is incorrect information and is impacting me negatively and severely for a situation that was totally out of my control. 

I never fell behind on payments or asked for any special assistance in regards to the acccount. Simply requested it be closed. Then requested the information be reported accurately which has not occurred to date. 

However I am now requesting that the company delete the account and record to all three bureaus as having never existed. 

I have since regained employment and started financial recovery from the Pandemic. I chose to open a new account with Self and it is being reported accurately at this time.
Product: Debt collection

I have received an alert from XXXX that Credence Resource Management has flagged my credit report for collection. I have NEVER received any correspondence regarding this. No one has called, emailed, or sent anything to me in the mail to tell me what this is regarding. My credit report notes that it is connected to XXXX XXXX XXXX but I switched from them in XX/XX/2021 and paid all that was owed. When I called Credence to get more information, the agent said they had nothing in their system matching my name and address. Even after my call, I have yet to receive any contact from them yet this is still on my credit report and affecting my score.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX time filing a complaint in regards to my credit reporting for my XXXX Bank Mortgage. In my previous complaints, XXXX Bank acknowledge that I was given false information and agreed to suppress XXXX and XX/XX/2022 payments. But they did not address the negative reporting of XX/XX/2022 payment and as this payment was also due to the false information that was given to me, the negative reporting for XX/XX/2022 should be suppressed too. The fact that XXXX Bank continues to drag this on is very concerning. It shows that this company does not care about its consumer and will just say anything to get you off the phone. As to save time I have attached the previous disputes and screenshot of my credit report showing the negative reporting for XXXX. Please remove all negative reporting for XXXX, XXXX, and XX/XX/2022.
Product: Mortgage

Hello, the company involved is https : //www.fayservicing.com/ they are the lender that holds the note/loan for an investment home that I have in Texas. They have been un-responsive, un-reachable, and have NOT taken the money out of my account for my monthly auto pay for my mortgage. Also when my loan was taken over by them, the original lender XXXX paied a {$2200.00} escrow shortage. Fay Services did not recognize or see this payment, and made it for a second time on their behalf. They then added the {$2200.00} to my mortgage for me to pay. I had to call the original lender XXXX and get documented evidence that this was paid. They then said they would reach out to the county and it would be handled somhow. They then told me they would lower my mortgage to take care of the adjustment. Again NO money or auto pay has hit my account. I have no idea what is going on. My mortgage is late on the XXXX, and hasnt been paid this month as I can not get ahold of them.
Product: Debt collection

I was sued without given Noticed by Cooling and Winter Attorney 's at law at or about the middle of 2019 for and alleged debt Re a credit card I once had with XXXX XXXX XXXXXXXX. This account was disputed with proper notices before it was allegedly assigned to COOLING & WINTER ATTORNEYS LLC. In 2019 after receiving debt collection letter from said attorney 's office I started my administrative process and was still sued without proper notice { I found out I was sued by receiving over 20 different letters in my mail from from a bunch of attorneys stating that i was sued in XXXX County Court } this was really embarrassing to know that at the time I was communicating with said debt collector. 

I then sent an affidavit to Cooling an Winter Attorneys at law after which they Voluntarily Dismissed the claim with prejudice after about 7 to 8 months a few months a second claim was filed in the court. 

I Completed another set on Administrative process by sending notices and affidavit where I was only sent one response that they " Cooling at Winter '' is not obligated to validate said alleged debt. 

I had obtained a certified copy of a lien search from the Secretary of State of Georgia on the name associated with said alleged debt which reveal there is no lien filed by Cooling and Winter Attorney 's LLC. am alleging this is a simulation of a legal process which puts the consumer in a disadvantage in accessing credit. 

On Monday XX/XX/XXXX I sent a Notice of Liability with intent to sue and a Bill of Particulars. 

I have reason to believe and do so believe that said third party debt collector overstepped their authority by filing a matter in the court and did nothing to even have a service of processor serve me the summons to answer even after I had completed my second administrative process as at the time of writing this the claim is still before the without the fees to process same. I am alleging this is a criminal simulation as its negligence, incompetent or malice and just a wanton disregard for the consumers laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX MD XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing about a XXXX  credit card account that was opened without my knowledge. Someone used my SSN to open this account and I have complained to XXXX and XXXX, TRANSUNION multiple times to delete this account from my credit report because I did not open it but till today nothing has been done The XXXX credit card was opened XX/XX/2018 and has a balance of XXXX BANK NAME : ACCOUNT NUMBER XXXX BANK : XXXX