23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

A few months ago I had requested my credit report from Experian but for some unknown reason I was n't able to get it from them so I just went online and got my report from some website instead. 
I ended up filing some disputes with Experian because there was incorrect and incomplete information on my credit report. So I prepared a nice letter and sent it with a copy of my driver 's license, proof of my social security number and proof of my mailing address so that Experian would be able to verify my identity. 
It has been at least 2 months since I mailed my letter and I have n't heard back. When I try calling their XXXX number they want a report number before I speak with an agent and since I do n't have one I ca n't speak to anyone. 
I thought that the credit companies had to respond back to me within 30 days otherwise they are supposed to remove things from my credit report?! 
Well it 's been way more than 30 days and all of the stuff I disputed is still there. I know I can go online and buy a credit monitoring service and try to dispute things online but I thought that Experian is supposed to help me for free! 
I 'm at the point where I 'm done wasting time and need to get this fixed immediately.
Product: Bank account or service

PayPal suspended my account and seized {$2500.00} in funds without warning. They provided no avenue for fund recovery other than to simply hold it ransom for a 180 period, which is simply inexcusable. They shut down my account and froze the funds upon a 2nd appeal.
Product: Credit reporting or other personal consumer reports

I want to know the mystery to happen to me. 
I explained what happen about this matter at attachments.
Product: Debt collection

I am writing to make a formal complaint against Capital One Bank for contacting me in a manner they knew not to be acceptable in protecting my privacy and failing to document the evidence that this took place. 

I have a credit card account with Capital One and until recently it was in good standing, but due to my financial stress due to the pandemic, I could no longer afford to make payments. In XXXX of XXXX I had written a letter to Capital One ( below ) : " I am writing to inform you that due to my current situation I am unable to continue to make payments on my account. I am a full-time student and am not working at this time and during this pandemic, I do not foresee my situation changing. Please do not sell or transfer any of my personal information or data to another party. You may contact me by mail or email, but I do not wish to be contacted by any other means. '' I later confirmed that this letter was received by Capital One and that they had made adjustments to their system to comply with my request. 

On XX/XX/XXXX, XXXX, XXXX and XXXX XXXX, despite my request, I received automated voicemails fromXXXX at Capital One. All the voicemails had the same ( prerecorded ) content : Hi this is XXXX from Capital One weve been trying to reach you about an important personal business matter. Please return the call at XXXX, again the number to reach us at Capital One is XXXX, thank you. 

It is my experience that dealing with banks is intimidating and stressful, so I reached out to my brother-in-law to help navigate the process. On XX/XX/XXXX we called Capital One to see what the status of my account was and if there were any reasonable options for me. We inquired about the voicemails and both an account manager and a Sr. account manager claim not to have ANY record of them taking place. 

So, not only did they ignore my request ( ensuring my privacy ), they either erased or failed to document their communications with me. This type of deceptive and negligent behavior is the reason people no longer trust financial institutions. If I cant trust them to follow their own procedures or not hide their records how can I trust the amount they claim I owe?
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, 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 CFPB 's 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. I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, 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 CFPB 's 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. 
Despite using Zelle numerous times and reporting discrepancies, 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 CFPB 's 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 reporting or other personal consumer reports

Dear TransUnion I see that you verified the account listed below : XXXX : Account number : XXXX, How did you verify this account. I see this account is still not remove. Please delete. 

XXXX : Account number : XXXX, How did you verify this account. I see this account is still not remove. Please delete. 

XXXX : Account number : XXXX, How did you verify this account. I see this account is still not remove. Please delete. 

XXXX XXXX : Account number : XXXX, How did you verify this account. I see this account is still not remove. Please delete. 

XXXX XXXX : Account number : XXXX, How did you verify this account. I see this account is still not remove. Please delete. 

XXXX XXXX : Account number : XXXX, How did you verify this account. I see this account is still not remove. Please delete. 

XXXX XXXX : Account number : XXXX, How did you verify this account. I see this account is still not remove. Please delete. 

XXXX XXXX XXXX : Account number : XXXX, How did you verify this account. I see this account is still not remove. Please delete. 

XXXX XXXX : Account number : XXXX, How did you verify this account. I see this account is still not remove. Please delete. 

XXXX XXXX : Account number : XXXX, How did you verify this account. I see this account is still not remove. Please delete. 

XXXX XXXX : Account number : XXXX, How did you verify this account. I see this account is still not remove. Please delete. 

XXXX XXXX : Account number : XXXX, How did you verify this account. I see this account is still not remove. Please delete. 

XXXX : Account number : XXXX, How did you verify this account. I see this account is still not remove. Please delete. 

XXXX : Account number : XXXX, How did you verify this account. I see this account is still not remove. Please delete. 

XXXX | XX/XX/2022 : Account number : XXXX, How did you verify this account. I see this account is still not remove. Please delete. 

XXXX  XXXX : Account number : XXXX, How did you verify this account. I see this account is still not remove. Please delete. 

XXXX XXXX | XX/XX/2022 : Account number : XXXX, How did you verify this account. I see this account is still not remove. Please delete. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. Im just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.
Product: Checking or savings account

In XX/XX/2021 I attempted to assist my Niece with obtaining an Apt in XXXX, NY. I was told I needed to submit {$100.00} to XXXX XXXX XXXX, Real Estate Manager, ( via XXXX XXXX in order to receive an application for the Apt . I proceeded to submit the money to XXXX XXXX via XXXX using the email address he provided to me. I never received the application nor my money back when I requested it. The next day ( XX/XX/2021 ) {$1500.00} had been taken out of my acct via XXXX by XXXX XXXX for the first Month rent. I contacted XXXX XXXX to report this and demand a return of the funds and was told to submit {$250.00} for a refund which I did on XX/XX/2021. On XX/XX/2021 {$1200.00} was taken out of my acct by XXXX XXXX for the remainder of the first Month rent. I realized there was no Real Estate Agency and apparently these were fraudulent transactions. I immediately contacted JP Morgan Chase Bank Fraud Dept to report the activity and to change my acct information in an attempt to try and get some or all of my money back. I was told by ( I did not get the name of the individual I spoke to ) because the transaction took place via XXXX there was nothing they could do to get back the money I lost.
Product: Debt collection

I was contacted by Allied Account Services Inc, XXXX XXXX XXXX, XXXX, NY XXXX, phone # XXXX XXXX. I XXXX XXXX in R.I. that rents units to various tenants. These tenants set up individual accounts for utilities with XXXX XXXX ( R.I. ). A tenant did not pay their bills. I called XXXX XXXX, as far as they were concerned, I was not liable, but this collection agency just wanted anyone associated to try to collect. They have reported me as in debt and are trying to ruin my credit rating!
Product: Credit reporting, credit repair services, or other personal consumer reports

Navy Federal Credit Union verified that I applied for a credit card 12 years ago that was never issued to me. A review of my credit report shows that Navy reported derogatory information on my credit report that does not belong to me, which is impacting my credit report and hindering me from obtaining employment. 

I spoke to several representatives that have confirmed no credit card was issue, but I am unable to get them to provide a written statement confirming that there was never issued to me and that it was fraud or an error by Navy Federal Credit Union. 

I am requesting a written statement confirming that there was never a credit card issued to me and that it was fraud or an error by Navy Federal Credit Union. 
I need this information immediately, for my background check to move forward.
Product: Mortgage

I have an FHA loan that was being serviced by Greentree servicing. Greentree servicing has since changed to Ditech. Neither company paid the XXXX/XXXX/2015 tax payment that was due. I called on XXXX XXXX, after receiving a delinquent tax notice. I then faxed the notice and the original tax bill to Ditech. As of XXXX/XXXX/2015, the tax is still delinquent, and interest is accruing on the account.
Product: Credit card or prepaid card

My account was closed on XX/XX/2019, when according to 15 usc 1602 this is an open end credit plan, and an open end credit plans can't be closed by anyone except the person who originated the credit. I am the original creditor. I sent them documents as they state they have received them. In the documents they received an affidavit, invoice, and cease and desist which can all be found attached. Pursuant to 12 CFR 1102.33 " ( b ) Requirements of Rebuttal ; effect of failure to deny. A Rebuttal filed under this section shall specifically admit, deny or state that the party does not have sufficient information to admit or deny each statement in the Notice of Intention. A statement of lack of information shall have the effect of a denial. Any statement not denied shall be deemed to be admitted. When a party intends to deny only a part or a qualification of a statement, the party shall admit so much of it as is true and shall deny only the remainder. '' In the attached response letter they stated " We are reporting your account accurately. '' This is false due to 15 usc 1666b which states " A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose ... ... '' They have marked my payments as late more than once, which proof can be found on the attached documents. They stated on the document " Were unwilling to reopen your account. '' They don't have the right or power to tell me they aren't reopening my account because they didn't have the right or power to close it according to what was stated above. Which means by them stating and reporting it to my credit file thats a violation of it. They then proceeded to state " Were unwilling to remove the account from your credit report. '' I never gave them written permission to report anything on my credit report. This is in fact a violation as well. They lastly stated, " Weve verified were reporting the account correctly to the credit reporting agencies, as required by law. '' This is also in fact no true because who did they call or interview to " verify ''.
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States that I have to the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 ) : also states that 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: Credit reporting, credit repair services, or other personal consumer reports

CREDIT INQUIRE STILL REPORTING ON MY CREDIT WITH TRANSUION AFTER THE COMPANY STATED IT SHOULD HAVE BEEN REMOVED
Product: Credit card

My father died on XX/XX/year>. I quickly reported his death to XXXX for his XXXX XXXX credit card account and the account was closed. At some point, an additional charge for {$XXXX} came through and I accidentally paid it twice. 

I now have a {$XXXX} credit balance on this account as shown on the statement received at the end of XXXX. I informed XXXX of the mistake in writing on XX/XX/XXXX and received another bill at the end of XXXX still showing the credit balance of {$XXXX}. I called XXXX once I received the bill in XXXX and was informed the refund was being processed. 

I have just received another statement at the end of XXXX showing a {$XXXX} credit balance so it is clear the refund is not being processed. 

They are aware that the cardholder is deceased and the account has been closed so no further charges are possible and yet they are unwilling to process the refund to me. I can't get my attorney involved because I will lose money. I have already spent too much time trying to get this {$XXXX refunded.
Product: Debt collection

QVC XXXX XXXX, I never gave permission to discuss Employees told XXXX different family members exactly what and how much I owed on easy payments, some things which were returned even do not owe.That is in collections at this time.Even credit and debit cards which was used.One was daughter in law, other my ex.Totaling XXXX is personnel information. Given out XXXX is invasion of my privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please remove these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, I noticed an inquiry made on  XXXX   XXXX ,  2016 un der the name of  XXXX    XXXX     XXXX   XXXX  I immediately made contact with Equifax to dispute and have this corrected. I 've been trying to have them remove this inquiry for the last couple months and each time they claim that this inquiry is correct. I made contact with   XXXX   and informed them of the situation. They immediately apologized and informed me they would mail me a letter in regards to the inquiry with all the information needed to remove this inquiry. Once I recieved this letter, I was to fill out the bottom portion of the form and mail it over to Equifax. I mailed the letter to Equifax but they are claiming that inquiries are a factual record of file access and will not remove this inquiry and that I need to contact   XXXX   directly and follow their internal fraud procedures which I have already done.
Product: Student loan

NAVIENT IS THE SERVICER OF MY LOAN, I HAVE BEEN MAKING PAYMENTS FOR YEARS AND MY BALANCE HAS NOT MOVED. I SENT THEM A LETTER ASKING FOR STATEMENT SHOWING PAYMENT HISTORY NO ANSWER. I SENT THEM A LETTER ASKING THEM TO PROVE THEY OWNED THE LOAN AND THE PURCHASE OF THE LOAN FOR DEPT OF ED, NO ANSWER. THEY ARE IN VOLITATION OF FDCPA BY NOT PUTTING MY ACCOUNT IN DISPUTE ON MY CREDIT REPORT AND NOT ANSWERING MY QUESTIONS ON THE DEBT, THEY CONTINUE TO BILL ME AND IGNORE MY REQUEST FOR VALIDATION.
Product: Debt collection

Calling my employer after I specifically stated never to call me at work again. Collector is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been with this company since XX/XX/2021 and they aren't reporting to credit reporting agency
Product: Mortgage

From the period XX/XX/XXXX through XX/XX/XXXX three requests for payoff information for this mortgage have made. Requests have been made by both the borrower and refinancing lender. In each occasion XXXX XXXX/Banco Popular has claimed it will take 7-10 business days to produce the information and it will only be provided by mail. After the first request they claimed that no previous requests were made and no information has been received. This is preventing me from refinancing and costing thousands of dollars as a result of their refusal to provide basic information.
Product: Credit reporting or other personal consumer reports

There are multiple inquirys on my account that werent opened by me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

DELETE UNATHORIZED INQUIRIES XXXX, XXXX : XX/XX/2023 XXXX, XXXX : XX/XX/2023 XXXX, XXXX : XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX this statement with my proper identification and verifying my identity. I have enclose below the proof of violations done by Equifax in the attachments. 

CHECK ATTACHMENTS BELOW.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently got a copy of my Equifax credit report.. Upon review of my credit report, I found that there is an inaccurate and unverified bankruptcy on my report.This has negatively impacted my ability to receive credit and has resulted in unnecessary embarrassment and inconvenience. 
As stated in Section 609 of the Fair Credit Reporting Act, ( 2 ) ( E ) : A consumer reporting agency is not required to remove accurate derogatory information from a consumer 's file unless the information is outdated under Section 609 or can not be verified.

As is my right, I am requesting verification of the bankruptcy reported on my credit report. 
Thank you for your prompt attention to this matter.
Product: Mortgage

I had a construction/rehab loan. I had reached the maximum number of withdrawals from the escrow account, after which I was not allowed to make any more draws on the account. The servicer ( Homebridge ) refused to have the balance of the account applied to the principal of the mortgage. This cost me interest, as I am paying interest on the escrow.

After a year, I finally refinanced the loan. At this time, the servicer claimed that the account was closed and that the balance on the escrow account had been applied to the principal at the time of payoff.

This turned out not to be true. They held that money for ten months before sending me a check for the balance. During all this time, I have been paying interest on this money because it is still part of the principal that I owe on the mortgage.
Product: Debt collection

Hello, my name is XXXX XXXX, I am writing to delete the following information from my file. The items I need deleted are limited in the report. I am a victim of identity theft. and did not make the charge. I'm trying to get a new car and these items won't get me approved. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible Fraudulent Accounts : XXXX XXXXXXXX XX/XX/XXXX {$2700.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$850.00} XXXX  XXXX XXXX XX/XX/XXXX {$540.00} XXXX XXXXXXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX