23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX reveals that I had a hard inquiry made on XX/XX/2024. I did not authorize any inquiry on that date to Citibank Best Buy and I called XXXX and they worked patiently with me on the phone with Citibank Best Buy, but we could not get to the right person to get this resolved Please assist in getting this removed from credit as soon as possible. This is the third fraud attack against my credit in the last 2 years please help
Product: Mortgage

XX/XX/1996 my husband and I completed paperwork to refinance our home with XXXX XXXX XXXX previously located in New Jersey for {$33000.00}. Within 72 hours we decided to cancel the loan and drive to the mortgage company to complete the cancellation process. I recently found out that the mortgage is still opened when I tried to sell my home and realized the company never canceled the loan. I have never paid on the loan or received any late payment notices because the loan was canceled. I tried to explain this to the title company but was unsuccessful. Unfortunately, I can't find the cancellation letter from over 20 years ago. I conducted some research and found that XXXX XXXX XXXX. of New Jersey was once a subsidiary of XXXX XXXX XXXX XXXX  and later acquired by XXXX XXXX and now Santander Bank. I was never notified of a change of ownership or payment notice for the mortgage.
Product: Credit card

I have two credit cards with Upgrade. One had over {$11000.00} credit limit, lower it to {$7800.00}, and the other {$2500.00} card was lowered to {$1800.00}. I have NEVER MISSED a payment! NEVER!!!! They have dropped my limits on both cards to what I owe. 

Now I will accrue overage charges each month, when they add the interest, they will now get an overage charge each month since they lower limit to balance. I had stopped using it to pay it down and guess this is how they get top me. Now they show me at 100 % usage on both cards since they lower the limits today. 

This is a scam and this credit card company represents itself as a credit card company but then it shows up as loans. The minimum payments are outrageous compare to my many other credit cards. They are doing this to make more money and I don't think it is right to do consumers such as they have done. 

I have not had any of my other credit cards do this. There has been no changes to income, payments are ALWAYS on time and I had lots of available credit left until today. 

I hope they are investigated for bad business practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint in XX/XX/2023. I requested for unauthorized items listed on my report be removed. I attached all documents needed to complete this process, but only selected items were removed. Per the FCRA, section 609, I am requesting all information pertaining to the attached inquiries.

I am legally entitled to all documents related to each item, please include each original credit application and contract containing my signature. 

If you are unable to meet my request, please remove all 3 inquiries attached. I am allowing 15 days for all items attached to be removed.
Product: Money transfer, virtual currency, or money service

I Am Writing To formally express my concerns regarding zelles handing disputes particularly in light of recent CFPB lawsuit highlights significant issues with the playform.Despite Using zelle numerous of times-and reporting discrepancies, My Financial institution and zelle failed XXXX investigate my claims adequately .They Informed Me That recovering lost funds was impossible and that tracking these transactions was unfeasible.CFPB findings indicate that zelle has not only neglected to protect customers but has also allowed repeate offenders to exploit the system, leaving user 's vulnerable to scams in taking lack of accountability
Product: Credit card or prepaid card

I paid off my AMEX card on XX/XX/XXXX, {$780.00}. The available credit has not shown up as of XX/XX/XXXX, I am leaving tomorrow to North Dakota, and planned on using it to pay for gas. I am also XXXX    XXXX, so i can chat, or email. I can not make a telephone call. When i chatted with support, they said they would be able to remedy the situation, but that I would have to call someone ( another agent ). When i told them that i couldn't do that, they said " well, you are going to have to wait another 4-5 days then. '' Basically, if the problem could have been solved by a person who did not have a XXXX   XXXX, but not by one who has, this is discrimination. They didn't even attempt to help me once I told them I can't XXXX. Game over. They quit. Now I am stranded, and have no money, because I spent everything to pay off that card. In the past, payments were applied immediately, and I was able to use them right away. Had I know this beforehand I would not have done that, I would have kept some cash to pay for my fuel. Now I have no money, a card that doesn't work, and can't get to North Dakota for my job. I feel totally helpless, and completely ignored and pushed aside. They have my money, hostage, and I can't get it back. Please help me, or at least make sure they can't do this to someone else in the future.
Product: Payday loan, title loan, or personal loan

I got a loan from The Cash Store In XXXX, Utah. 
I explained to them when I got in there that I needed a loan, easy to pay, no gimmicks, no games. 
They assured me that their pay off process was simple, it was not only so confusing, deceiving but also they make it impossible to pay off your loan. This institutions shouldnt be allowed to operate. 

I borrowed {$1000.00}. After several payments which totaled over {$400.00} In a short period of time I still owe the ssme amount. 
They dont have a Office toncall, when you call is redirects you to the same location or the nearest one. When trying to pay early they refinance you and get you into further debt.

When trying to make payment over the phone, they dont allow it.

When you ask them for an app or a website to pay, they dont have one. 
Their schedule is short XXXX to XXXX Monday to Friday so a lot of people can not make it in person to make their payments.

Saturdays they only open XXXX to XXXX XXXX  very short to avoid people from paying, Sundays is closed.

They only allowed auto payment on the interest but not on the balance IT IS SO FRAUDULENT. I want federal and state agencies to investigate this company. 
I bet you there are so many people owning forever and just paying interest with this company payoff practices and process. 
It is setup in way that you dont pay the loan off. I am seriously concern, upset and worry not only for me but a lot more people that for sure have the same problem or worse.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

Thank you for removing some of the inaccurate items from my credit report. However, there are still inaccuracies that need to be addressed. I am writing to inform you that I have been a victim of incorrect credit reporting. According to the Fair Credit Reporting Act Section 605B ( a ), you are obligated to remove any items that were opened without my knowledge, consent, or authority within four business days if provided with the following : ( 1 ) Proof of my identity ; ( 2 ) A copy of an identity theft report ; ( 3 ) Identification of the disputed information ; and ( 4 ) A statement asserting that the disputed information is not related to any transaction by me. The following items need to be removed as they are inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX 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 XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -- -- -- -- -- TransUnion XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX XXXX Balance Owed : {$1300.00} XXXXXXXX XXXX XXXXXX/XX/XXXX. You have four business days to remove these inaccuracies from my credit file. I do not authorize the use of E-OSCAR or any automated verification systems.
Product: Credit reporting or other personal consumer reports

I was stunned to see incorrect accounts on my credit report this morning, and I'm at a loss as to why. I checked my credit report as I normally do, but this time, unexpected discrepancies showed up. Refreshing my browser didn't help ; the inaccuracies stayed. I'm requesting a meticulous check of the documents I've sent so I can finally put this worry behind me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is an account on my credit report. This account is closed, paid, please get the account removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX for XXXX $ from XXXX is too old to be on my credit report, please get this account removed. It is 11 years old. 

XXXX XXXX XXXX XXXX XXXX for XXXX $ from XXXX is too old to be on my credit report, please get this account removed from my credit report. It is 9 years old. 

XXXX XXXX XXXX XXXX XXXX for XXXX $ from XXXX is too old to be on my credit report, please get this account removed from my credit report. It is 9 years old. 

XXXX XXXX XXXX XXXX XXXX for XXXX $ from XXXX is too old to be on my credit report, please get this account removed from my credit report. It is 9 years old. 

XXXX XXXX XXXX XXXX XXXX for XXXX $ from XXXX Is too old to be on my credit report, please get this account removed from my credit report. It is 11 years old. 

XXXX XXXX XXXX XXXX XXXX for XXXX $ from XXXX is too old to be on my credit report, please get this account removed from my credit report it is 11 years old.
Product: Bank account or service

I hold a CD account at KeyBank NA - Key Direct. The account is held in a Revocable Family Trust and I and my wife are the Trustees. Upon its expiry in XXXX XXXX and during the 10 grace period, I contacted the Bank to terminate the CD and return my funds. They asked for another of the Trust, ( which was originally provided when I first opened the account and was subsequently provided at their request a number of years ago. ) I sent them the XXXX copy of the Trust and a Letter of Direction on or around XXXX XXXX, XXXX. I heard nothing from the Bank. After a number of weeks I contacted the bank and inquired about the matter. They told me that the Letter of Direction needed to be notarized - which was not part of their original instructions. A notarized Letter of Direction was prepared, signed and notarized in my attorney 's offices. The letter was sent to the Bank on XXXX XXXX, XXXX and subsequently on XXXX XXXX, XXXX. At no time did I ever hear back from the Bank. Today, XXXX XXXX, XXXX I called the Bank to again to inquire. I was told the date on top of the letter ( when I wrote it ) of XXXX XXXX, XXXX did not match the date of the notary signature which was the next morning XXXX, XXXX when we signed the letter. Additionally, they seems to have a problem with the Notary 's stamp which clearly states she a Notary of the State of Illinois and her commission expires in XXXX XXXX. For 6 months the bank has refused to close the account and send me back our money. They make up a differing rule or requirement every time I seek to satisfy their requirements and never have the contact me with an update or request it has always been up to me to reach out to them and figure this stuff out. Frankly, I now consider that this issue has gone beyond poor customer service and is a matter of actively obstructing me from my money and quickly approaching a criminal act of theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my XXXX XXXX in XXXX XXXX in XXXX, XXXX. I am now a XXXX XXXX XXXX. I applied for an Economic Hardship Deferment in XXXX of XXXX online and was waiting to hear back in case XXXX needed more documentation. However, I never heard back, and I called to double check that everything was good and the deferment was approved, and they told me it was being processed. The representative also had told me they would contact me if they needed anything further, In late XXXX of XXXX, I was trying to figure out a faster way to pay off my student loans owed to XXXX so I would be able to pay down my balance. So, I applied for a Home Equity Loan ( and got pre-approved, my credit score was XXXX ) to pay XXXX around half of what I owe. I checked my credit score a week later in XX/XX/XXXX, and it had gone down over 200 points. From XXXX to XXXX overnight. It showed that XXXX had put in 10 accounts that said I was 90 days late. I was mortified, and was told my a XXXX Representative that my deferment was approved back in XXXX of XXXX. 

At that moment, I cried and thought my credit would be ruined forever and I still am in absolute shock and turmoil over what this has caused me and my family. I have worked so hard to pay what I owe and had very good credit for years prior to this horrible situation. This error is not my doing and this error is on XXXX part. I filled out the appropriate paperwork in XX/XX/XXXX, and a representative that I spoke with on XX/XX/XXXX said no one had ever processed my Economic Hardship Deferment way back in XXXX of XXXX. 

I was told to send this letter to explain my situation and how I was wrongfully put in the credit bureau, so this can be corrected. I work with special needs kids every day, I pay all of my debt every month, and I have worked for years trying to build up my credit because I knew I would have student loans to pay off. I have nothing negative in the credit bureau before XXXX made this life-altering error. I have sent two letters ( one letter in XX/XX/XXXX and one letter in XX/XX/XXXX ) to XXXX explaining their error, and they have yet to respond. 

I have graduated with both, a XXXX  and a XXXX XXXX. I want nothing more than to pay my loans back, but I can not begin to become financially available if my credit is ruined for XXXX error. My FICO score, XXXX, Transunion and XXXX credit bureau have all been effected significantly to the point where I have lost over 20,000 dollars in credit thus far. Please help me correct these errors against me as soon as possible so my credit is no longer wrongfully negative. 

Thank you for your time with this matter. I would never be irresponsible, and I assure you that I was not in error, XXXX was at fault 100 % and my graduation and credit is proof of my responsibility. If you have any questions or need further documentation, please let me know. Thank you again.
Product: Credit card or prepaid card

I have two Credit Cards with Bank of America and it has been a nightmare. I had to stop using it due to unfair fees and their website not properly working. Mobil app is inaccurate. People, please READ this before applying for a Bank of America Card DO NOT apply for a Bank of America card. On XX/XX/2021 I spoke with a representative from Bank of America and recognized that there was a fee of XXXX plus interest charge on one of my Credit Cards. On my two credit cards, I have my checking account. However, Last month only one of my cards was paid with my checking account. My checking account is listed, but Bank of America FAIL to take the payment. After calling several times now Bank of America representative stated that there are no records about my complaint on the XXXX indicating what the representative had said about refunding the {$25.00} USD and the written complaint indicating that there was not fair for me to be charged a fee. THAT is EXTREMELY SCARY. Citizens how can we trust a company like this. Most of us have been abused over and over and this situation must come to an END, STOP! 

I want the written complaint from the representative that I spoke with at XXXX XXXX  on XX/XX/2021. According to the Bank of America representative that I spoke with on XX/XX/2021 there is no record that I talked to someone at XXXX XXXX  on XX/XX/2021, and stated that the representative did not write a complaint. That is NOT true. 

Bank of America Must get the conversation on XXXX XXXX  on XX/XX/XXXX since the first thing they said is " your call will be recorded ''
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau is incorrectly reporting a " XXXX XXXX '' account on my credit report. According to my credit, it was opened in XX/XX/XXXX for a debt of {$1300.00}. The account number is : " XXXX ''. I have never had any business dealings with this collection company. I do n't know who they are or why the credit bureau is reporting that I have a debt with them. This is not the first time I have disputed this account, I have sent written disputes on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to get this removed but time after time, the credit bureau has dismissed my disputes as frivolous and they refuse to remove this from my credit. I want to add that XXXX has no record of this account. When I sent the same dispute, it was confirmed that the account did not belong to me and was promptly deleted. How can there be a different result for the same investigation between XXXX and this credit bureau? This does not make sense. This is why I am taking my complaint to the Consumer Financial Protection Bureau.
Product: Vehicle loan or lease

I have had continuous problems with FlagShip Credit Acceptance. 1st started when I was placed on unpaid CoVid Leave. I called requesting a payment deferment. They said no problem, but my account had to be behind ( account was current ) and I had to pay {$130.00} for process the paperwoork - which I did. Then when I noticed that they never deferred my payment, I contacted them only to find out that they had no record of my contact even though I sent my request via registered mail, email, fax, and by phone. Then while catching my account backup, they blocked my online access to pay my bill - forcing me to make payments via U.S. Mail which taked several weeks for them to process thus creating late fees. My current statement shows last months payment not received yet and current months payment due of {$420.00}. Today, my account finally shows last months payment finally processed and should reflect current months payment not due yet. Instead it shows that {$95.00} is behind, and that current months payment reduced by that amount. If I make the {$95.00} payment, how can it reduce the amount that isn't due yet? Thus, they are forcing me to make my monthly payment early, or are charging me a {$95.00} a month fee to mailing my payment because they blocked my online access, In addition, I have recived robo calls from unpublished numbers from them requesting my bank information. They refuse to put anything in writing. THIS IS FRAUD AND PREDATORY LENDING PRACTICES AND POSSIBLY CRIMINAL!
Product: Student loan

I have been waiting for ACS Education ( " ACS '' ) to provide a certified payoff to my new lender for over 9 months. However, ACS is refusing to do so. 

ACS currently services XXXX of my student loans. In approximately XXXX 2016, I submitted an application for a federal consolidation loan with XXXX XXXX. This was approved and all of my student loans were paid off with the exception of the loans serviced by ACS. XXXX XXXX informed me that it had requested an up-to-date certified payoff amount from ACS but was told that ACS could not provide this information due to an accounting issue. 

At XXXX XXXX ' request, I called ACS to ask about how we could clear this issue up. I was informed that ACS needed to recalculate my principal, interest, and payments to ensure they were giving XXXX XXXX an accurate and certified payoff. I was informed that this process was completed by a separate ACS department and that they did not know how long it would take. I asked to speak with someone connected to that department and they refused. For over 9 months now, I have been waiting for ACS to complete this " adjustment '' calculation and provide the payoff to XXXX XXXX so that my federal consolidation can be completed. The only information I receive is from an ACS customer service manager on a semi-weekly basis. This manager simply informs me that, " this matter is still pending and I have no updates for you. '' In the meantime, interest is still accumulating on this account and ACS is still being paid to service it. Due to the types of loans, these accounts do not qualify for certain IBR plans which was the main reason for my consolidation into XXXX federal loan. This has placed an extreme hardship on me and my family and I am considering bringing a formal action in state or federal court against ACS.
Product: Credit reporting or other personal consumer reports

Trans Union XXXX and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Trans Union, XXXX, and XXXX have 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 agen
cy 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 or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the data is inaccurate.