23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I have been with this company since XXXX of 2016. I originally started making my payments in full and recently about three months ago, I started sending in weekly or bi-weekly payments because it was easier for me. I called last week to find out what the balance of my payment was due for this upcoming Friday and received an odd amount. I called back this week and spoke with three different agents who provided me with three different amounts. I spoke with a supervisor who provided me with an amount that was more than what I showed I owed. I had to go back and check my payments to just verify and the numbers just did n't add up. Their online website only provides the statement amount due and does not reflect the current balance after payments have been made, nor does the phone system. You have to speak to someone to get an answer even if it is not accurate. I am so concerned that my payments have not been accurately posted to the account. I need to figure how how someone can audit my account to ensure that I my overall balance is correct. This frightens me and it is unsettling to know that the company I have my car loan with does not have my best interest at heart and I wonder how many other customers they are getting over on.
Product: Student loan

I am currently XXXX XXXX XXXX and have been trying to have my Employment Certification Form verified by XXXX XXXX for over two years now. The most reason submissions were on XX/XX/XXXX, XX/XX/XXXX and now XX/XX/XXXX. All were denied for erroneous reasons by XXXX XXXX. I had the person in charge of our XXXX XXXX on base sign and verify my paperwork and now XXXX is telling me said person is n't authorized and I need a different signature. However, when I call to find out WHO exactly they want to sign off on my paperwork they are if no help. 

Additionally, the admin office typed up a formal letter of service stating my start and anticipated end date for XXXX XXXX, this is a legal document. Also, I tried submitting a copy of my XXXX statement which once again is proof of military service which qualifies under PSLF.
Product: Credit reporting, credit repair services, or other personal consumer reports

The 3 major credit bureaus are reporting medical bills infringing on HIPAA protection rule, they are also reporting balances on my credit cards even when my credit cards are paid in full every month ( which they are ). 
Since I requested for my personal information not to be sold and or distribute to advertisers, my XXXXredit score when down from over 800 to below 700. This is an unfair practice and it must be investigate.
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 Zelles platform and reporting discrepancies numerous times, my financial institution and Zelle both failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these funds was unfeasible. The CFPBs finding indicate that Zelle not only neglected to protect consumers but also allowed repeat offenders to exploit the system, leaving users vulnerable to the scams. The lack of accountability and transparency is unacceptable and raises concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

I applied for a credit limit increase on my XXXXXXXX XXXX XXXX  on XX/XX/24 and was turned down. Today, I received a letter from XXXX XXXX XXXX informing me that the main reason for their decision was the fact that my TransUnion XXXXredit score was reportedly XXXX as of XX/XX/24. This is almost XXXX points below my XXXX credit score which is currently XXXX ( as of XX/XX/24 ), and just a few days ago was XXXX ). 
I had contacted TransUnion several months ago when I noticed that my XXXX Score ( which I check regularly ) was about XXXX points higher than my TransUnion score, back then. So, they sent me my free annual credit report, and I honestly couldn't find any serious errors. So, I called and asked how the same credit report could result in such different scores. The woman I spoke with insisted that it was simply that the two credit reporting agencies have different ways of evaluating the same information. 

But now it is a XXXX point difference, and I really can't imagine that their different methodologies could possibly explain this discrepancy in their respective credit scores. 

Thank you.
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 XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX 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 section2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Its 96 inquires on my credit report that i never applied for and its not fair to me, i am a fraud victim and i want this credit report agency to remove all that off my credit now and rescore my credit .Its keep reappering on credit and i want it off now, this goes back from XX/XX/XXXX to XX/XX/XXXX .This is Fraud ... someone stealing my name applying for stuff in my name
Product: Student loan

Sallie Mae 's system does not allow the home address of the debtor to be different than the address associated with the debit card of the debtor. I have a P.O. box used for my debit card. This difference flagged my payment as I fraud and denied it. I could not figure out what was wrong and kept trying to pay but it kept not working. This caused me to appear late on my loan payments for 90 days and really messed up my credit. The payment is question was {$25.00} a month as I am still in school. My credit is damaged because of {$25.00}. The student loan is the first thing on my credit as I am still in school and now my score is low. I was on the phone was Sallie Mae for a few hours and got this all sorted but it seems like a fairly common thing to have different addresses ( especially for university students ) and should be fixed. Thank you.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$13000.00} XXXX XXXX XXXX # XXXX -- {$120.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$460.00XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$590.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$690.00} XXXX  # XXXXXXXX XXXX XXXX XXXX  # XXXX XX/XX/XXXX -- {$480.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$920.00} XXXX, XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$1000.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX ALL XXXX XX/XX/XXXX XXXX FINANCIAL XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I had a account with skrill and they locked me out of my account before I can get my bitcoin info and they have blocked me from calling or messaging them now
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I desperately need your help in this matter with Equifax. Please help me, I would like to put another complaint on Equifax, I have been disputing items on my credit report since XX/XX/2019. FIRST, I would like to say each time I open a dispute my credit takes a 70 point decrease just from opening a dispute almost as to discourage me and being punish for opening a dispute. Second, Im really getting sick of the stall static that this company continues, I have received a letter that says that Equifax was not able to find me in your database, and that I need to send a valid social security card and a statement with proof of address. 

I have made copies of my previous letter and my last letter send out on XX/XX/2019 I also have attach the documents I have sent to prove my identity from my previous letter # 3 and letter # 4 each time. I have sent a COPY of my S.S card, COPY of my driver license, COPY of my check stub and even a COPY of my XXXX  XXXX bill and XXXX online statement. Only to receive a letter from your company suggesting I did NOT send the correct forms to prove my identity. When that is just a plain lie, my complaints have remained OPEN with absolutely NO response from your company. 

Complaints submitted on XX/XX/2019 OPEN COMPANY RESPONSE IS IN PROGRESS SINCE XX/XX/2019 on XX/XX/2019 OPEN COMPANY RESPONSE IS IN PROGRESS AS OF XX/XX/2019 on XX/XX/2019 OPEN COMPANY RESPONSE IS N PROGRESS AS OF XX/XX/2019 it is now XX/XX/2019 and NOTHING has been done. 

Equifax has been unable to solve and answered complaints but you they have time to send a stall tactic letter? 

Enclose : are my original scan paper work that I already and always have sent to Equifax, please see for yourself.
Product: Credit card or prepaid card

This company is reporting that i have one 30 day late payment with them and also a 60 day late payment with them. Please be further advised, I dispute the validity of the alleged late payments in its entirety. Further I request verification of the alleged late payments.i disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
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 INQUIRY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX has violated my rights.

15 USC 1681 SECTION 602 A States I have the right to privacy 15 USC 1681 SECTION 604 Section 2. It also states a consumer reporting agency can not furnish a account without written consent
Product: Money transfer, virtual currency, or money service

Date of occurence was XX/XX/2019, XXXX $ scammed via a online fake puppy website for pugs, it was under my belief that it was a licensed breeder in another state. Payment was to be through XXXX and as it had me login to my Bank of America account the scammer had an account to receive funds I had assumed. All of it seemed that it was safe, as I did not think a Bank would work with an App that was unsafe.I had became concerned and reached out to a BOA rep in the fraud department an hour or so after the occurence. It became apparent it was a scam, after the fake breeder informed me I would need to pay XXXX $ for a specific puppy crate, that is when I contacted BOA to relay my concern for a second time.Unfortunately the website XXXX is still up and I have reported this to multiple sites to flag this. Hopefully to prevent this from happening to others.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Date : XX/XX/2022 2022
Product: Debt collection

TransUnion Credit reporting Agencie is reporting false and inaccurate information on my credit report I have reached out to them about this matter this medical debt collection that is appearing on my credit is inaccurate reporting. XXXX XXXX XXXX in the amount XXXX. I Have reached out to this Agency many times with 3 and 4 disputes that are not been properly Investigated the dispute is coming back as updated and accurate and that information is false I have send documents Certified Mail with a return receipt I have sent many document supporting my clam I have call this company many times and I am unsuccessful with reaching a live agent I have uploading documents on line on the website and unsuccessful also website is giving a Stange Error the account that is being reported on my account is a Violation of HIPPA and a complaint Has also been Filed and also a complaint has been filed with the Attorney General in that matter I think this Reporting Agency has some fraudulent activity going on that needs to be investigated by Higher authorities because they are dealing with a large amount of accounts and data to be this negligent with accounts. If this Account is not removed from my consumer report within 30 days a Law suite will be filed against the two parties XXXXXXXX XXXX XXXXXXXX and TransUnion
Product: Credit reporting, credit repair services, or other personal consumer reports

Total Visa has two predatory lending practices. 

1. Reports inaccurate balances 2. Reports under two different names for the same credit account. 

I would like to request an investigation into their practices and a letter denouncing their deceptive practices so that I can have my credit report updated.
Product: Payday loan, title loan, personal loan, or advance loan

I was struggling to pay my rent and this was the only lender that would approve meso I took it out of desperation.they will be deducting XXXX every XXXX weeks from my pay and when I agreed I thought it was XXXX every month the interest for this loan 547 % in which Ill end up paying XXXX at the end of my loan period which is in XXXX I also wasnt given any other options other then direct debit about how to pay the loan off but the loan documents show other options
Product: Checking or savings account

Me and my wife bank with truist bank a credit card company put a writ of garnesment on her for a credit card that she forgot to pay so the bank froze our account when we found about it we called the company that she owed and explained to them that we just missed it and it was complety our fauilt so they let us set up payments to pay the card off so then they contacted our bank and told them that we are paying the card off and to stop the garnesment at witch time they did it was on XX/XX/22 so they unfroze our account but they put a hold on {$340.00} so i have called the bank and no one can tell us why they have a hold on our account they just tell us to call this number to the lawyer that put the garnesment on us witch we did and he says that he did not have them put a hold on our money and he also explained to them that he sent the leter to them to stop the garnesment witch clearley they got because they stopped it but no one can tell us why the hold is there and they will not give us our money.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a lot of issues with my credit report, inquiries that I did not authorize and accounts that are not mine.
Product: Credit reporting or other personal consumer reports

Experian, through my paid account, shows the dispute in progress ; however, once I click on each CFPB complaint to each account, they have summarily dismissed my complaints. I want to reiterate, that I filed complaints as to each account and fraud, through the CFPB ; I then filed " identity theft '' and fraud reports with the FTC ; I further mailed each bureau : a comprehensive file that contained copies of both FTC reports ; a letter of dispute on the accounts notifying them of the identity theft and fraudulent affected accounts ; all CFRA letters pertinent to identity theft and fraud, regulations, subsections, etc. ; copies of my driver 's license, SS card, bank statement, IRS 2023 filing, and met all requirements under FCRA Section 605B, FCRA Section 623 ( a ) ( 6 ) and have met my burdens. I want to state here formally, that the CRAs and furnishers, must comply with FCRA guidelines, and have a legal obligation to remove, or block, all accounts theft and fraud-related accounts and information. I am being specific to Experian due to my history of unethical, unlawful, and discriminatory actions. I as the consumer, filing under the affidavit of complaint, am accountable for my actions and was fully aware before filing with the FTC and CFPB ; that Experian would attempt to continue with its retaliatory, discriminatory, and unlawful actions. I am so certain, I am providing this complaint before they act. Not to alter the outcome that is already lawfully provisioned, but rather as further proof of the extent to which Experian will go, and to what measures. 
The CRA, having been provided by the consumer with an identity theft report from the FTC alone, obligates the CRA under FCRA Section 605B to block the fraudulent information from the consumer 's credit report.
Product: Credit reporting or other personal consumer reports

I'm experiencing immense stress and sleepless nights because of this problem. It's frustrating because I've always been punctual with my payments for this account.
Product: Vehicle loan or lease

I have been using Bank of America XXXX XXXX for more than a year, at the very begging of our car purchase. To be on time with our payments we set up our automatic payment from Bank of America app, with have never been late with payments until recently. We received a letter from the bank stating that we were late on 2 payments and we were already 34 days past due. We were abroad and as soon as we get back we called Costumer Service asking for this matter, In XXXX I paid {$43.00} pay to capital, the bank app misunderstood as a default, again I paid the rest of my monthly amount over the phone so I could up to date. On XXXX we still past due on our payment, so I called again to Costumer Service and on Friday XX/XX/XXXX they told us that the autopay was set up only for 12 months. When I set it up I chose recurrent automatic payments ( in the app it did not mention that it would stop after 12 months, and we didn't received any notification from the bank stating that autopay should be renew ). I have had previous car loans paid with autopay drafted directly from our bank accounts with other companies and never been had this issue happened. I don't want my credit record to be negatively impacted because of this matter.
Product: Credit reporting or other personal consumer reports

Under XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On my reports there is a closed account with huge amount of missed payments. WESTLAKE FINANCIAL SERVICES XXXX. Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA WESTLAKE FINANCIAL SERVICES has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 Citi made a hard inquiry without my authorization. I am in the process of buying a home and the last thing I would want is a hard inquiry on my credit that I did not authorize
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX XXXX closed their account without warning or even taking measures to assure that no ones credit will be affected due to them going out of business in XXXX. Because of this lack of failed communication on their part, I have been struggling to bring my credit back up. They closed the account and dropped my credit score by XXXX XXXX when my car wasnt paid off. Without warning, without any implications that the customers accounts or credit history would not be affected they made this decision that affected THOUSANDS of people. I have tried to contact the company and had no luck. I even tried to dispute this and nothing.
Product: Checking or savings account

Hello I have made in excess of 6 withdrawals from my Chase savings account in XX/XX/XXXX which is permitted under the legislation passed in XX/XX/XXXX for COVID-19 relief. Chase charges you for every withdrawal over 6 which I do not believe is permitted. I asked them to stop and they refused. They said the best they could do is retroactively reverse the charges.