23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/2023 i open a checking and savings account at Dollar Bank in person with my ID at the XXXXXXXX XXXX location. Opened with {$50.00} cash. On XX/XX/2023 my account is closed by a XXXX at the XXXX, XXXX  operations facility in the XXXX XXXX because my residence isn't close to a branch. I swear these banks, just get goofier and goofier by the minute with stupid closure reasons that amount to nothing but XXXX. I really planned on using this account because of all the features this bank had to offer. Good thing i didnt set up my direct deposit. You're online website application does not restrict or prohibit account opening with my zip code. I was told long as i resided in XXXX XXXX, and or XXXX i could open an account. Therefore, someone's full of XXXX and i'm demanding the accounts be re-opened before i have an internal investigation opened up with your regulators that govern you to determine if your organization is behind any corrupt, discriminating and derogatory illegal activities. When applying online if you type in a zip code outside of the XXXX states you operate A copy of this is also being fowarded to the Consumer Financial Protection Bureau. 

XX/XX/2023 : called Dollar Bank and was lied to about reason for account closure. XXXX specified now that it was because of to many inquiries. Them are legit valid inquiries, no fraud or ill intent never took place and part of the reason for the inquiries were banks invited me to open an account and even though my charge off from XXXX XXXX was paid they wouldn't open it. Most banks will accept the paid closures such as you guys did. But the inquiries were due to trying to open an account and being declined because XXXX XXXX wasnt fully removed but did show paid.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCR

A section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX Balance : {$620.00} XXXX XXXXXXXX Balance : {$200.00} XXXX XXXXXXXX Balance : {$190.00} XXXXXXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX Balance : {$230.00} XXXX XXXX XXXXXXXX Balance : {$6000.00} XXXX XXXX XXXXXXXX Balance : {$480.00} XXXX XXXX Balance : {$2000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$33000.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX ) XXXX Balance : {$310.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$290.00} XXXXXXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$700.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows closed and over 180 days delinquent. The government has been paying since Covid relief started. How can it be delinquent? Also, my loan was with XXXX XXXX and was sold to XXXX without notification or ability to get in touch with this company. Even if the government wasnt paying student loan payments, I couldnt pay because I have no way to contact this third party company. I am requesting this delinquency be removed for the above reasons.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to Equifax about an inaccurate item on my credit report on XX/XX/XXXX and still have not received any resolution as of XX/XX/XXXX. When I check their website, it tells me it is still pending with an estimated completion date of XX/XX/XXXX. I have tried e-mailing Equifax to follow-up but have received no response. I also tried calling but gave up after waiting on hold for three hours. This has been very frustrating and has impacted my ability to complete a refinancing of my mortgage.
Product: Debt collection

On XX/XX/XXXX Equifax received and accepted through certified mail a dispute for the following account : ( XXXX XXXX ACCOUNT # XXXX ). Equifax did not respond to my request for debt validation, simply closed the dispute as verified without providing me any debt validation. On XX/XX/XXXX I sent a follow up letter requesting for the method of debt validation that was used to validate the debt, Equifax failed to respond again and continues to close the dispute as validated without sending proof of debt validation or how they validated the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I notified XXXX XXXX XXXX XXXX that I want verification of the debt they state I owe by providing the following : - ( actual accounting of mortgage loan debt ) from date of origination of loan to current date -verification of the claim against me ( an invoice signed by the mortgage bank ) -a copy of the original contract binding both parties ( XXXX XXXX XXXX and mortgage bank lender ) -signed contract stating I agreed to pay what they state I owe - how this amount has been calculated in a way that I can understand -full disclosure statement that was provided when loan was originated which outlines -equal consideration and lawful terms and conditions XXXX  provided the name of XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX as the owner of mortgage. XXXX, XXXX has not provided all of the information I requested regarding this debt. This company continues to report this information on my credit report without providing its validity after I informed them in writing that I dispute this debt. They are in violation of Fair Debt Collection Practices Act 15 USC 1692 ( a-p ).
Product: Payday loan, title loan, or personal loan

I contacted fortiva because they are who I make payments through. A company named XXXX came to do work on my flooring they did NOT complete the work. I paid {$5000.00} to have them complete. They came in XXXX to do the work, I have been calling the company back to back to have someone come out and complete the work. I have been given the run around I spoke to a manger as well as corporate now nobody basically wants to do anything. This is now XXXX and my carpet is still not completed.
Product: Credit reporting or other personal consumer reports

RE : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

ACCOUNTS : XXXX XXXX, XXXX XXXX XXXX XXXXXXXX I looked at my credit report and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, 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.

and according to 15 USC 1681s-2 they are supposed to 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: Debt collection

They called me to collect a debt from a grocery delivery service. They have done a few things that were unlawful. First, have called me multiple times and then would just hang up when I answered. Second They lied to me, saying they represented XXXX XXXX XXXX. Also, they did n't send me written notice of the debt. ( they sent a letter to a wrong address ).
Product: Mortgage

We refinanced our mortgage with another bank. The closing date for the loan was XX/XX/XXXX. The last day to pay our mortgage for XXXX was XX/XX/XXXX. The payoff amount was wired on XX/XX/XXXX. Rushmore returned the wire payment was returned by Rushmore on XX/XX/XXXX stating that it was short although they sent the payoff amount to the bank that was good thru XX/XX/XXXX. They are a ripoff and I hate that our loan was ever sold to them. They have been taking our money thru high interest rates since we have been with them and I am so glad to be rid of them!
Product: Student loan

On XX/XX/2021 I called because I was unable to adjust my FedLoan Servicing loan automatic payments online because the system would not allow it. I believe this is a website technical issue. When I spoke to a customer service agent I let them know I would record the call. They then looked into my account and insisted that my payments were {$500.00} instead of what is posted on the website under my account : {$90.00}. The first agent said it was not possible to change the payment amount and that I would need to pause the payment each month. Then she said that I have already used all six eligible payment pauses. However, I haven't ever paused my payment. She said she couldn't help me. I called back to say that I believed this was a website error. On my second call I told the agent that I was recording the call and that I believed that the website had an error and that my payment due should only be {$90.00}, then she said she would have to put me on hold because she wasn't sure if she could speak on a recorded line. A few moments later the call disconnected. I called back to as for help to adjust my payment and let the agent know that I was recording the call. The agent quickly said that she couldn't speak on a recorded line - I asked her to transfer me to someone who could speak on a recorded line or a supervisor. XXXX ID # XXXX told me that she would not assist me based on the fact that I wanted to record the call for my records.
Product: Credit reporting or other personal consumer reports

As of XX/XX/2024 Amount for first account amount is {$15000.00} the second account amount is {$22000.00} company did nothing to remove or resolve.
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. 



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

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 1681e ( b ). XXXX XXXX XXXX XXXX  Account number XXXX .... Date opened XX/XX/XXXX XXXX .... Recent balance {$5400.00} XXXX XXXX XXXX XXXX FL XXXX, UT XXXX XXXX  XXXX Inquiry Date : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX contact ( XXXX ) XXXX XXXX XXXX contact : ( XXXX ) XXXX XXXX Inquiry Date : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NM XXXX has violated my rights. 15 U.S.C. 1681 section 602 A. States I have a 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. 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items 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 information is inaccurate.
Product: Checking or savings account

Synchrony Bank failed to notify customers about changes in its new transfer limits ( for inbound and outbound transfers ). 

According to a bank representative : " the inbound funding limits for all products is {$500000.00} per customer. '' While the outbound funding limits for all products " will depend on the tenurity of your balance to your account, the minimum amount for outbound transfer limit is up to {$25000.00} daily. '' In the past, I have previously transferred ( outbound ) more than {$25000.00} daily without any issues. Now, I no longer can transfer more than that amount. 

Synchrony Bank failed to send letters or post the new transfer funding limits policies on their website informing its customers. Has a Synchrony Bank customer I have now incurred additional unnecessary expenses because the bank failed to communicate said policy changes. 

I requested the bank to share with me its new policies and to post them on its website and the bank did not share all the details about its new policies and only agreed on passing my feedback to its manager. 

I need to withdraw more than the new daily limit and Synchrony Bank is refusing to help me.
Product: Credit reporting

My personal information was compromised. Someone is trying open up credit card accounts in my name without authorization. When I called the individual companies, they said they can not do anything about it. 
Here are the inquiries in question. 
XXXX XXXX XXXX XX/XX/2016 XXXX XXXX XXXX XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XXXX XX/XX/2016
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX, and XXXX XXXX/XXXX  on XX/XX/XXXX about an unauthorized inquiry on my credit report, that was reported by XXXX XXXX/XXXX on me on XX/XX/XXXX. I requested that the inquiry be deleted. I have attached a copy of both letters that I mailed certified. XXXX responded that the inquiry was updated. I have never received a response from XXXX XXXX/XXXX on the matter. However the inquiry has not been deleted by XXXX XXXX/XXXX or by XXXX. I have never applied or purchased anything from XXXX XXXX/XXXX. I have had previous issues with my personal information being compromised by XXXX. I am not sure if the 2 incidents are related, but I am sure that this was not an authorized inquiry by me and it needs to be removed.
Product: Credit reporting or other personal consumer reports

United Auto credit corp have furnished alleged late payments on my XXXX that you identified as late. 
The only way a creditor can treat a payment as late falls under 15 U.S. Code 1666b - Timing of payments ( a ) Time to Make Payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

For any creditor to treat a payment as late you must prove the following : 1 ) Each Periodic statement ; and 2 ) The information required under 15 USC 1637 ( b ) of this title ; 3 ) was mailed out or delivered ; 4 ) 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the payment due date.
Product: Credit card

My issue has been resolved but I am advocating for the greater good. 

I was charged a late fee on my credit card bill due to being on pacific time and the bill needing to be paid by east coast XXXX time. Since I am always on time they reversed the {$27.00} charge. 

However, I asked them whether they were aware that per a new ruling by you and the Biden Administration they are only allowed to charge an {$8.00} fee. The supervisor stated she was but that Chase had not given them direction about that. 
Now I am sure there are many that are not even aware of this. 

My plea to you is to nudge these credit card companies and make sure they are not charging people these fees. I can imagine that many do not even know about this. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX How will you enforce or communicate better that they are not allowed to charge these fees?
Product: Payday loan, title loan, or personal loan

This company is now under the name of XXXX. I spoke with a representative a few weeks ago and she was kind enough to help me with my account and extremely pleasant. Unfortunately I had to call the company again because my account number for payments to be withdrawn was not changed. I called and all of a sudden they are unable to transfer me to specific extensions and they are unable to move payments something that was JUST done for me. Mind you I spend an hour of my time going through this ridiculous customer service merry-go-round that go me nowhere. Every time I requested a manager, I was told that they don't have managers, they have supervisors ... same thing! And I haven't had my issue resolved, which is going to result in me defaulting on my payments and affect my credit when it was this company 's error that this happened in the first place! They have changed their customer service and are outsourcing and I am not protected as a consumer. I am being asked more personal information every time I call and I feel deceived and leery of every doing business with them again.
Product: Credit reporting or other personal consumer reports

There is one account reporting on my credit report incorrectly, the account number for the account is XXXX. Date the account was opened XXXX XXXX this account must be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I went to XXXX XXXX I signed a promissory note my freshman year to take out a $ XXXX loan for my tuition. To my knowledge that was the only loan I had once I graduated. After my freshman year I obtain a XXXX XXXX  and received multiple scholarships and became a part of multiple groups like the XXXX Program that gave scholarship money for the the next 3 years that I was there. I also moved off campus my sophomore and junior year. I didn't move back until my senior year. 

Once I graduated I found out that my school took out a loan for me my junior year for about $ XXXX. I knew nothing about this money and I saw no parts of it. I advised the department of education that this was fraud and submitted a fraud claim. They inturn sent me a copy of the promissory note from my freshman year basically saying since I signed that my school had the right to take out loans without my knowledge. That is some bull. 

I pay all my bills and I'm currently paying on the $ XXXX loan I had. I just refuse to pay this until someone can show me where or how this money was applied to my tuition. Any bill that I pay has a breakdown of the charges. That's all I'm asking for is a breakdown. Show me how this was applied to my tuition and I will pay. Noone seems to be able to do that and that is my problem. 

There was no reason for my school to have to take out a loan for me my junior year. I lived off campus so my tuition should have been way lower. If I didn't need any loans my sophomore year I should not have needed any my junior year. I had the same scholarships. Also I moved back on campus my senior year and not showing any loans for then. What since does that make? How would I need loans when I stay off campus but don't need any when I move back on campus. Tuition should be way higher. It makes no sense. Anybody should be able to see that and agree. 

Also last year the department of education took my taxes. I disputed it and started the process for arbitration but then my money came back in the mail and my credit was updated to show this as a closed account. 

Also, about a month ago I was trying to refinance my home when I was denied due to credit. I went and checked it out on XXXX XXXX  and it showed this account as closed but it was still showing a payment history. So I disputed this through XXXX XXXX  and they updated it on XX/XX/21 on XXXX to show correctly now XXXX screen shot attached XXXX but on Equifax they put it on there as an open account now showing all these late payments. It has caused my credit score to drop XXXX points. All credit bureas should be showing the same way TransUnion is.
Product: Credit reporting or other personal consumer reports

You are in Violation of the Fair Credit Reporting Act. The information you have on my credit report is incorrect and causing a negative impact on my credit, my livelihood, and ability to obtain employment. This has also hurt my ability to get a loan from lending institutions. I did not consent to them doing this. 15 U.S.C 1681 section 602 A. Clearly states that 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 tarnish an 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 purposes. Remove all late payments hard inquiries from my credit report immediately and update this account immediately as you are in direct violation of several laws under the Fair Credit Reporting Act you are in violation of 15 USC 1681 section 602 a you are in violation of 15 USC 1681 section 604 a section 2 you are in violation of fifteen USC 1666 B which is hurting my ability as an XXXX  American woman to do business in this country..... I want this and any all-other violations removed ASAP!!!
Product: Debt collection

I paid the National Credit System to remove a collections debt placed on my credit report without authorization. I never received a letter signifying my payment nor any notification regarding a balance due ; however, the collections mark on my credit report has hindered my ability to sign a lease and move. I am now homeless as a result and unable to move anywhere else, although I paid on this debt. XXXX refuses to remove it from my credit report in a malicious attempt to manipulate me into giving them more money.
Product: Credit reporting, credit repair services, or other personal consumer reports

2 unauthorized credit inquires on XXXX credit report.

My information was compromised from XXXX data hack.