23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

My daughter received an invitation in the mail from Discover to apply for student loan. When she applied for the student loan for XXXX school year, Discover denied her and then requested a co-signer in which my wife and I agree to co-sign. Discover denied both me and my wife as well. Discover is penalizing us for receiving credit counseling services and for accounts that was paid off through this program.
Product: Checking or savings account

I want to express my deep concern and report a severe issue I have been experiencing with Bank of America since the end of XX/XX/2023. At that time, my account was abruptly put on hold, and all transactions and payments I attempted were summarily declined without any explanation. 
Despite my numerous calls to Bank of America seeking clarification on the matter, I have been unable to receive a satisfactory resolution. During these calls, I consistently explained that I initiated the transactions in question, yet Bank of America continued to decline them. Shockingly, it was revealed that my account had been blocked by the fraud department, a revelation that came after an extensive and arduous effort to connect with a representative from said department. 
In a conversation with a Bank of America representative in mid-XXXX, I was informed that a letter outlining the situation would be sent to my address. Regrettably, to date, I have neither received the promised letter nor received any communication from the fraud department. Meanwhile, Bank of America continues to decline transactions on all my accounts, causing significant financial and reputational harm. 
This situation has led to serious consequences, particularly in transactions involving XXXX XXXX. Transfers I initiated were inexplicably declined, leaving me in a perplexing situation where I am receiving notifications from XXXX XXXX, through emails and letters to my address, demanding payment for the outstanding amounts. As a result, I find myself in a precarious position with other service providers who perceive me as unreliable and dishonest due to these declined transactions. 
I hold Bank of America responsible for the extensive prejudices and stress caused by the ongoing situation. The lack of communication, failure to provide a clear resolution, and the subsequent impact on my financial transactions have not only caused significant distress but also created an unwarranted perception of unreliability. 
Again this situation is negatively affecting my financial stability and reputation and causing me a lot of prejudice
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX 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 CFPBs findings indicate that Zelle has not only neglected to protect consumers but has 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

On XX/XX/2020, ENHANCED RECOVERY CO L add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. 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 ENHANCED RECOVERY CO L has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Credit card or prepaid card

I made a purchase with my TJ Maxx credit card on XX/XX/XXXX in the amount of {$190.00} to a fraudulent company. I informed TJ Maxx and XXXX about the company. TJ Maxx and XXXX both issued a refund in the amount of {$190.00} TJ Maxx on XX/XX/XXXX and XXXX on XX/XX/XXXX. Instead of TJ Maxx reversing their credit they reverse both and now is showing a balance on my account in the amount of {$190.00}. I spoke with a rep on XX/XX/XXXX and it was reversed, however they rebilled me again. I called today and spoke with XXXX to no avail. They are fraudulently charging me for this amount. They tried to say that XXXX rebilled me which was not true.
Product: Credit reporting or other personal consumer reports

A few months ago I went to apply for credit cards and the underwriting team told me that Transunion and XXXX wasn't releasing my credit file. So, I tried to retrieve my credit information via XXXX XXXX. It was odd that my app kept telling me my credit scores wasn't updating. I reached out to Transunion to see if I had a credit freeze, they said no. Also, they informed me they didn't have a credit file for me which was odd. I had good credit with very little accounts on my credit especially my Transunion. They told me they were going to investigate to see what's going on with my credit file because when I was providing my name and SSN nothing was popping up on their end. Days went by and they informed me they found my credit file, but they did something wrong because they added all this debt and accounts that aren't mine. I have proof prior to the phone call that I didn't have all the debt they put on my credit. This is unsettling for me and my credit journey. They told me they didn't have a credit file for me but when they do finally do they add debt to make a credit file which is against the law. I've had credit history since I was XXXX XXXX XXXX. I attached files where it shows I didn't have all those accounts on my Transunion or XXXX in XX/XX/year> and XX/XX/year>. Now it doesn't make sense. Also, I listed a few laws from the FCRA that this action has violated me and my credit. 

15 USC 1681i ( 5 ) : Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.
Product: Credit reporting or other personal consumer reports

It appears XXXX XXXX XXXX has erroneously marked my account as 60 days past due, despite it being current. XXXX XXXX XXXX policy does not include grace periods for payment, and any payment after the due date by XXXX incurs a late fee. Additionally, although they offer payment protection for job loss, they have not applied it to my account.
Product: Debt collection

On XX/XX/year>, I suspended my account with XXXX XXXX XXXX. I returned all equipment as well as paid the amount of fees of {$170.00} at their location in XXXX XXXXXXXX XXXX XXXX. I never received any past due bill nor was informed of any posibile bill that I would be responsible for, Suddenly six months later I have received phone calls beginning this month XX/XX/year>, today I received a letter XX/XX/year> claiming I owe a collections company of {$120.00} for which I dispute.
Product: Mortgage

The issue I have with my mortgage lender, Nationstar, is that during my modification review the underwriter calculated the incorrect income and expenses that did not correspond with the supporting documents I submitted. My monthly expenses total {$3700.00} and my monthly gross income total {$5400.00}. The expenses the underwriter used for the review was {$4100.00} and monthly income of {$3700.00}. I have requested an appeal and escalated this matter with the lender. I want my loan modification application to be re- reviewed and I have submitted the most recent income documentation to the lender. The underwriter did not review the income and expenses that reflect my financial situation or correspond with the supporting income documents I submitter per lender 's request.
Product: Credit reporting or other personal consumer reports

I am writing to request your assistance in addressing critical issues I have encountered regarding the verification, validation, and accurate reporting of information on my credit reports as per the guidelines of the Fair Credit Reporting Act ( FCRA ) found in 15 U.S.C. 1681. I have been diligently disputing the following inaccuracies with XXXX, XXXX, and Equifax since XX/XX/2023, yet they have failed to properly investigate the reported discrepancies :
Product: Credit card

On XX/XX/XXXX we have contacted XXXX by XXXX who is an officiant to get me and my fiance married on XX/XX/XXXX and she was available and her fees were {$300.00}. We have proceeded with the down payment of {$150.00} that date XX/XX/XXXX and another payment of {$150.00} on XX/XX/XXXX. The venue we agreed on has some issues so we choose to go with a different venue ; However we could only find space available on XX/XX/XXXX ; so we informed XXXX XXXX about it 3 days later on XX/XX/XXXX that we had changed the venue and requested to get us married on XX/XX/XXXX instead of XXXX, unfortunately she was unavailable and refused to refunded us our money that we paid couple days earlier.
Product: Credit reporting, credit repair services, or other personal consumer reports

IVE SENT SEVERAL DISPUTE LETTERS BY CERTIFIED MAIL AND ONLINE DISPUTES AND NOTHING HAS HAPPENED. I STILL HAVE NOT HAD THESE ITEMS REMOVED FROM MY CREDIT REPORT BELOW ARE THE INQUIRES THAT NEED TO BE DELETED DUE TO NOT BEING MINE OR NOT AUTHORIZED BY ME. 
BELOW ARE THE INQUIRES THAT HAVE NOT BEEN REMOVED XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX # XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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 XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BELOW ARE THE ACCOUNTS THAT WERE SUPPOSE TO BE REMOVED OFF MY REPORT DUE TO THESE BEING AUTHORIZED FOR REMOVAL BY XXXX XXXX XXXX XXXX- ACCOUNT NUMBER -xxxxxxxxxxx XXXX XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXXXXXX XXXX -ACCOUNT HAS NEVER HAD A LATE PAYMENT. REPORTING HAS SHOWN A LATE PAYMENT IN XXXX ACCOUNT NUMBER XXXX
Product: Credit reporting or other personal consumer reports

Ive just reviewed my credit report and noticed the following inaccurate item ( s ) : XXXX XXXX with account number XXXX This account is listed as being 30 days late. I recently contacted that company regarding this matter and was informed by representative that I was automatically signed up for security card protection which was an extra {$160.00} in top of monthly payment. This was causing my monthly payments to increase and adding interest. However, I did not agree to enroll in the program nor did have any knowledge that i was enrolled into the program. I agreed to pay the full balance within 12 months with no interest. This my first time using XXXX XXXX. I am requesting a goodwill adjustment to remove this late payment from my XXXX, Experian, and XXXX credit reports. 

I truly believe that it doesn't reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payment. Thank you for your consideration, and I hope you'll approve my request.
Product: Credit reporting or other personal consumer reports

AMEX gave me XXXX $ cash bonus for my XXXX spend. I spent that money, after 8 months, I visited my country, I've asked if they charge foreign fee, and they said " yes. ". Then I closed my account. They did not say or informed me to return this XXXX $ ; if I close the account less than a year. I said I used this card, and I spent more than XXXX XXXX and I was not informed, or I signed any document. 

In this case I told them to refund an amount of XXXX $ ( XXXX of XXXX $ ), and they refused. 
Afterwards they sent me {$1.00} check, with an apology letter. 

But today I noticed that I owe more than {$300.00} ( with interests ). 
I did not get any credit from AMEX ; only cash bonus. But they charge an interest every month.And they informed this to credit offices. 

How can I cancel this misinformation from 3 credit offices?
Product: Vehicle loan or lease

XX/XX/XXXX, my XXXX journey was repossessed due to late payment. Wells fargo was the company I used thru the dealership, XXXX of XXXX, ok. My husband has just passed away and a week later my vehicle was repossessed. Both parties pretty much said they were going to sell my vehicle in which they did. I never received a call back from either companies. Ive been with Wells Fargo since XXXX, and never had a issue prior. I've been without a vehicle since then and now I'm handicapped in a wheelchair. I desperately am in need of a vehicle for my family. It's been tough and hard since last year. I missed many doctor appointments as well as my grandchildren. I'm at your mercy do fix my problem I had dealt with since XX/XX/XXXX. Feel free to contact me via email, XXXX or phone, XXXX. I appreciate any help and I thank you for being a new step to a brighter future for my family and I.
Product: Debt collection

On XXXX XXXX I received and email from Experian said I have a collection added to my credit report from the national credit system due to inaccuracies for a payment of {$450.00} from some apartments I moved out of last year XX/XX/year> XXXX
Product: Debt collection

I am dismayed by the ongoing inaccuracies in my credit profile despite multiple requests for correction. Your failure to address these issues promptly not only violates the Fair Credit Reporting Act but also reflects poorly on your professionalism. I talked to someone within the company to confirm the documents have been received and they informed me that they never receive documents from the CFPB. I am writing to express my extreme dissatisfaction regarding the ongoing inaccuracies in my personal credit profile, specifically pertaining to the accounts referenced below : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am adding additional information to this rebuttal to formally dispute XXXX XXXX XXXX XXXX continued improper credit reporting. On XX/XX/XXXX, XXXX reported my account as delinquent to credit bureaus, despite their own records showing my account as current. This action constitutes a direct violation of the CARES Act ( 15 U.S.C. 9056 ( c ) ), Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681s-2 ), Servicemembers Civil Relief Act ( SCRA ) ( 50 U.S.C. 3901-4043 ), and Metro 2 compliance guidelines. 

Key Evidence of XXXX Improper Credit Reporting : 1. XXXX XX/XX/XXXX Statement Contradicts Their XX/XX/XXXX Credit Reporting XXXX reported my loan as delinquent to the credit bureaus on XX/XX/XXXX. 
However, their own XX/XX/XXXX billing statement shows a {$0.00} overdue balance. 
This proves their credit reporting was incorrect, misleading, and non-compliant with industry standards. 
2. XXXX Acknowledged My Forbearance But Retroactively Applied Delinquencies CARES Act Violation The CARES Act mandates that if a borrower was current before forbearance, the loan must continue to be reported as current throughout forbearance. 
XXXX admitted in their CFPB response : While enrolled in the forbearance plan, the loan was reported as current and on a forbearance. 
However, after my forbearance ended, they retroactively reported delinquencies for XXXX XX/XX/XXXX, violating federal protections. 
3. Failure to Investigate & Correct Inaccurate Reporting FCRA Violation ( 15 U.S.C. 1681s-2 ) Under the FCRA, XXXX must ensure credit information is accurate and conduct a proper reinvestigation of disputes. 
Their decision to report delinquencies on XX/XX/XXXX, despite showing my account as current in their own records, proves their reporting is false. 
This also contradicts Metro 2 credit reporting guidelines, which require that accounts in forbearance not be reported as past due. 
4. Failure to Accommodate XXXX Servicemember Status SCRA Violation ( 50 U.S.C. 3901-4043 ) As a XXXX servicemember, I was entitled to protections under SCRA, yet XXXX : Failed to provide clear notice about how my account would be reported. 
Relied on online-only disclosures, despite my limited access while on XXXX XXXX. 
Retroactively applied negative credit reporting despite protections against such financial harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has continually reported a false chapter XXXX bankruptcy on my credit report that ALL their agents have acknowledge the bankruptcy being reported is under a DIFFERENT name! Experian will not remove the listing even though it's under someone else name due to they keep saying " their '' source verified the information? Experian will not provide me with the name of the source to dispute this directly with them. Under Federal law, any INACCURATE OR INCOMPLETE information must be deleted. How can a company verify information under a different than mine? Easy answer, they are not verifying anything! Over 30 days ago I submitted a written request for Experian to provide me with physical evidence of this chapter XXXX bankruptcy, as XX/XX/2018 they have not. Approximately on or about XX/XX/2018 I called Experian with the Federal Bankruptcy court on the line, Experian reps realize that a officer from the courts was on the line and stated they could not discuss that issue further and stated they would need to end the call if the court ( who they claim is reporting this ) did not disconnect. Experian is a fraud, the CFPB is supposed to protect Americans from these types of companies. They are ruining my life and has caused my great financial harm! I have been fighting with this company for over a year! CFPB, what are you going to do! Experian is breaking every Federal credit reporting law on the books! I am prepared to use every legal recourse available to me to fight this!
Product: Credit reporting or other personal consumer reports

ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT : 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.This hard inquiries dont belongs to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 Zelle numerous times, and reporting discrepancies, my financial institution and Zelle has failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also repeatedly allowed offenders to exploit the system leaving users vulnerable to scams and fraud. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

To whom it may concern : Please note that that this is not a refusal to pay off the account, but a notice sent as per the Fair Debt Collection practices Act, 15 USC 1692g Sec. 809 ( b ). The notice states that your claim is disputed and validation of the account is required. 

This notice is not a request for verification of the account or proof of my mailing address, but a request for validation made pursuant to the FDCPA laws. I humbly request that your agency/office sends me valid proof that I am legally obligated to pay you. 

Please provide me with the below mentioned things : * The amount you claim I owe you * Explain and show me how you have computed the amount * Send me the copies of any documents that prove I agreed to pay the alleged amount * Identify the original creditor * Confirm that the account has not crossed the SOL period * Prove that you're a licensed debt collector XXXX Show me your license numbers and registered agent. 
I would like to inform you that in case your agency has reported invalidated account information to any of the 3 main Credit Bureau 's such as XXXX, XXXX, XXXX, then it will be regarded as a fraudulent action under both the federal and state laws. Due to this reason, if any negative item is reported to any of my credit reports by your agency or the agency that you represent, then I will be compelled to take legal steps against you for the below mentioned reasons : * Violation of the FCRA * Violation of the FDCPA * Defamation of character If your agency can provide me with the requested documents, I will need minimum 30 days to investigate this information, and during this period of time, all collection activities must be stopped. 

I would like to further inform you that if any action is taken ( during the validation period ) which could be regarded as detrimental to any of my credit reports, then I will seek advice from my attorney for lawsuit. This includes listing any information on a credit report that could be incorrect or invalidated, or confirming an account as correct when in fact there is no provided proof that it is. 

If your agency/company fails to respond to this debt validation request within a period of 30 days from the date of your receipt, then the account information must be completely deleted from my credit report, and a copy of such deletion request should be sent to me at once. 

I would also like to request, in writing, that no calls should be made by your agency or company at my residence or work place. If your agency attempts to make unlimited or computer generated calls to me or any third parties, then it will be considered harassment, and I will have no option but to file lawsuit. All future communications with me should be done in writing and sent to the address mentioned in this letter. 

It would be advisable that you assure that your records are in order before I am forced to take legal action. This is an attempt to correct your records, any information obtained shall be used for that purpose. 



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

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$110000.00} XX/XX/XXXXXXXX XXXX XXXX {$960.00} XX/XX/XXXX XXXX XXXX {$5400.00} XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX {$19000.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$24000.00} XX/XX/XXXX