23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a private student loan with XXXX XXXX XXXX ( XXXX ),  which I pay on time. However despite the fact that I pay on time, I was reported 30 days late in XX/XX/2019. I contacted the company three times and spoke to 9 different " supervisors. '' They repeatedly assured me that my account correctly reflects that I was not late and denied reporting to the credit bureau that I was late. They sent me two different letters confirming that in XX/XX/2019, my account was in good standing and advised me to dispute it with the credit bureaus. 

I filed two disputes with all three credit bureau agencies and each time XXXX confirmed that the late payment was correct. I advised XXXX  of this and they once again denied it. I was denied a loan because of my " late payment history '' so this error is negatively impacting me and causing me an extreme hardship. I am trying to get this resolved ASAP. Thank you.
Product: Checking or savings account

I am filing a complaint with Cfpb regarding Capital Ones failure to deposit my direct deposit from my employer. Capital one has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you
Product: Mortgage

I own a mortgage company, and we have caught a specific loan officer who works for CrossCountry Mortgage in our local market committing fraud ( editing income documents and social security verifications ) numerous times in the past 12 months. After the mortgages were funded, we have been told by the realtors involved what he did to get them done or had applications and income documentation or verifications from the same borrowers proving it was not possible. Creating fake social security cards, changing employment dates on employment verifications, and editing income amounts on documents are recent situations where we had an application from the same borrower and had verified the documents which could easily be used to compare to the documents that the loan officer with CrossCountry Mortgage gave to their underwriter.

I am required to report these occurrences when they happen, and have called CrossCountry Mortgage to report the fraud immediately after it came to our attention six times in the past 12 months. Each time, the phone operator takes down my name and number and says they will send it to their compliance department so they can call me for the details. They have never once called me back to find out which of their loan officers is committing fraud and on which transactions. It appears they are supportive of their loan officers unethical and illegal actions by not bothering to follow up. I even sent a message to their CEO through XXXX at one point that again resulted in no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was not late with 1. American Express XXXX, XXXX, XXXX, XXXXXX/XX/2020. 2. I was not late with XXXX XXXX XXXX, XX/XX/2020. 
3. I was not late with XXXX XXXX XXXX, XX/XX/2020. 
4. I was not late with XXXX XXXX XXXX  XXXX, XX/XX/2020. 
I send all three credit bureaus dispute via certified mail. All three came back as verified. I send copy ' s of my bank 's statement from XXXX to XX/XX/2020 showing bill 's paid.
Product: Vehicle loan or lease

Purchased a vehicle from US Auto Sales on XX/XX/XXXX for {$22000.00}. I found out XX/XX/XXXX that I could not pay my bill online like I normally do. Once I tried to call US Auto Sales, it stated that the loan was transferred to collections under XXXX XXXX XXXX. I started to XXXX and search social media and that's how I found out that US Auto Sales closed down and many accounts were transferred to collections. Not sure what is going on with things like titles and gap insurance but I'm hesitant on making the next move without some answers. My vehicle is almost paid off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the account referenced XXXX AUTO XXXX. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? I have contacted the creditor myself and have been unable to get them to verify that this balance and payment history is accurate. You are also reporting different payment history between all 3 bureaus which I will include a copy of my credit report to show. How does this meet FCRA guidelines when all data furnished should be the same? I dispute your claim and I am requesting that this is removed from my credit report. This account is also over 7 years old and should have been removed on XX/XX/2022 which is another violation. Stop reporting this information on my credit report for many FCRA violations. Attached is the dispute letter sent 2 months ago which is dated and time stamped.
Product: Credit reporting, credit repair services, or other personal consumer reports

Very difficult to cancel and remove my information from the site. they make you call to cancel. You can sign up online but you can't cancel online. Good example of predatory marketing
Product: Debt collection

I am unsure of the timing, the creditor never reached out in any instance, if I paid it was because I was notified by XXXX XXXX I moved several time in the last few years, so if I didn't receive it, could have been that reason. I found out recently through mortgage inquires on owing several of these, I asked them to take out of collection and delete
Product: Money transfer, virtual currency, or money service

I can not connect my account to zensales to use for my XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was compromised in XX/XX/2022. My information is on the dark web. My information has been breached by several companies including XXXX, and XXXX XXXX XXXX, XXXX. Since then the individual with my information has opened several accounts in my name. They had a utility account in Arizona, a townhouse in my name in Arizona, and renters insurance. The most recent account that has shown up on my credit report is with XXXX XXXXXXXX, at home address XXXX XXXX XXXX XXXX XXXX NV. They opened the account in XXXX. 
They have also tried to get furniture in my name. I check my soft inquiries and see that they are still actively attempting to use my credit file. 

I have contacted EXPERIAN and they will not suppress the fraudulent information within 4 business days per 15-US Code 1681c-2 The Experian upload system is difficult to use and will not allow me to upload documents. I have sent them these documents several times and I do not have a vehicle to get to the post office. EXPERIAN creates multiple hurdles for victims of identity theft which makes it very emotionally stressful and difficult to remove fraudulent information from my credit report. This is impacting my ability to purchase a home for my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, Bank of America, and XXXX are three companies that are reporting inaccurate information on my credit report. 
I have stated that accounts from these banks were generated because of an identity theft crime. To make my position clear, FTC 's identity theft report and police report were submitted to the credit reporting agencies and to the creditors. 
Also, I requested the following documents to be provided by these creditors to verify accounts ' information. 

1. A written contract and agreement between the creditors and me.

2. Original copy of the application of fraudulent accounts that are being reported on my credit report.

3. A statement from the person who witnessed and approved these accounts to be opened in my name. 

Even though the request was made to review these documents, the creditors basically ignored my demand and continuing to post accounts that are not mine. 

The fraudulent accounts ' information that is being posted on my credit report is, XXXX XXXX BANK OF AMERICA XXXX BANK OF AMERICA XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX For the record, many different names were used to created fraudulent accounts.
Product: Checking or savings account

I called the bank yesterday after I saw a text message that my account was shutting down around XX/XX/XXXX, XXXX but they reversed the same story without hearing my answer. I couldn't understand it, and I think I should at least give it some use in case of emergencies. And then today, XX/XX/XXXX, my weekly payday, but after the same story again, they offered to send me a check in the next business day, but they blocked me from spending money after forcing my account to close. I don't know when and where I'm going to eat and what's going to happen. I feel really bad about why my money should be managed by them. I don't know when the people who sent me the check will send me my money. I don't know how long I'm going to starve. They need to remit my money immediately. They even extort my money from the hospital. I said I can't talk about everything and it's not fair. I haven't eaten in two days. i am really really mad. This won't happen if they let me take action to get enough funds available before canceling it. Both of my bank accounts are not being withdrawn, withdrawn, or deposited
Product: Money transfer, virtual currency, or money service

I used Zelle financial institutions either ignored or failed to resolve my complaints and discrepancies where not investigated or resolved. They informed me that I couldnt receive funds back. The cfpb found that Zelle neglected to protect consumers but also has allowed repeat offenders to abuse the system.
Product: Credit reporting or other personal consumer reports

In accordance with the with fair credit reporting act XXXX  acount XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX mi XXXX Has violated my rights 15. u.s , c 1681 sections 602 A state i have the rights to privacy 15 u.s.c 1681 section 604 section 2 has also states a consumer reporting agency can not furnish a account without my written instuctions
Product: Debt collection

XXXX XXXX company reported me to Convergent debt collector for {$190.00}, my concern is how can I owe them if I am currently have XXXX account and using it in house for cable, internet and phone line. If I owe them they will not let me have a new account and I've been using this XXXX account in my place for 3.5 years now.
Product: Credit reporting, credit repair services, or other personal consumer reports

CRA continues to violate FCRA 605A. Identity theft prevention ; fraud alerts and active duty alerts [ 15 U.S.C. 1681c-1 ] 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] Several other consumer protection laws, state laws and federal laws. 

Also CRA is claiming that they haven't received any correspondence by way of the CFPB from me.
Product: Credit reporting or other personal consumer reports

Experian, XXXX, XXXX need to remove late payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Debt collection

A week ago I received a letter from a collection agency that had been sent to my old address. 
I am being charged for a debt I do not recognize, I wasn't even in the USA at the time of the debt.

I'm posting a letter tomorrow disputing the debt, but now I'm worried that there may be other debts incurred under my name without my knowledge or permission.
Product: Student loan

I believe am fully eligible for PSLF, I have been with the same XXXX employer since XX/XX/XXXX and the program started XX/XX/XXXX AND I have been on income based repayment plans all this time too. I completed my application for PSLF in XX/XX/XXXX and I received a letter dated XX/XX/XXXX that states I am not fully eligible for discharge yet, and it is estimated that I will not be until XXXX. I am totally confused how I can be on income based repayment plans for the last 12 years and NOT be fully eligible for PSLF   yet. I am also confused on how two of my loans originated on the same date but have two different dates for estimated eligibility dates. PLEASE any suggestions or assistance you can provide will be greatly appreciated!!!! 

I also sent proof of name change and that has not been fixed
Product: Checking or savings account

I have a bank account with Citizens Bank in the state of New York. After receiving my tax return as a deposit on my checking account, I tried to make a wire transfer to another account of mine which resulted in the account being locked. 

I now can not access my bank account in any way, and it's been two weeks since it happened. I tried calling the bank twice but they refused to give me any information regarding this issue, regarding what is happening, and how long it will take before it is resolved. 

I need to access my funds and it is absolutely insane that I am not allowed to do that or to know when I'll be able to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/XXXX XXXX XXXX and XXXX are showing different and incorrect information on my credit reports. 

Account # XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX shows that the XXXX account is PAST DUE and has a balance of {$5.00}. This is not correct. The account was paid in full XXXX of XXXX. I am not PAST DUE {$5.00}. 

XXXX shows that the XXXX XXXX XXXX  Account is PAID with the last payment date is XX/XX/XXXX. However, XXXX also shows that I missed a payment in XX/XX/XXXX. This is not accurate. I paid the account in full and XXXX sent me a refund check because I overpaid it. 

The account was paid in full and both of these credit agencies are reporting inaccurate date which is hurting my credit. 

I asked them to investigate and both came back as validated and updated. This is incorrect.
Product: Credit card or prepaid card

XXXX XXXX XXXXXXXX XXXX account was fraudulently made by an unknown person to me using an email of : XXXX and they transferred {$4900.00} into an online acct ending in XXXX ( not associated with me in any way ). I NEVER created an online Acct. with Bank of America. I was just calling the number in the back of the card to see when my XXXX money would be available. Apparently the card was loaded by the XXXX dept. On XX/XX/XXXX. On that same day {$4900.00} was transferred to that unknown acct ending in XXXX. I didnt even call until XX/XX/XXXX ( I was unaware the money had already been stolen ) when there was a discrepancy what the XXXX stated they loaded and what was left on the card was only {$2800.00}. I immediately contacted B of A s fraud dept. Who closed the online login stuff ( that was never me in the XXXX place ) and issued a new card with only the remaining balance of {$2800.00}. They informed me how to make a claim to get the rest ( XXXX ) back. I followed all their steps and faxed the appropriate paperwork to them twice now and I keep getting the same letter stating your claim has been resolved, you or someone you authorized to use your acct verified the transaction prior to the funds being sent as a result your claim has been denied also in the letter it states, I have the right to see the documents that they relied on for the decision when I called demanding those documents they said they can not send them?!?! Im on my XXXX reconsideration letter now. Not sure XXXX ever receive the XXXX money that I have earned and am owed by Bank of America. XXXX started on XX/XX/2023, I went back to work XX/XX/2023 2023
Product: Credit reporting

Ive initiated several disputes with Transunion over the last year for erroneous accounts that are not mine. I '' ve followed every step they 've outlines and that your site has told me to do. Still having issues with some accounts because Iguess they want to collect more money from these creditors because they get paid to report negative. It 's hurting my family. below are some documents i sent to them on several occasions. It really seems they keep accounts/collections on credit reports because the credit bureau will make more money the longer it 's there. Company XXXX XXXX XXXX XXXX XXXX XXXX XXXX are one in the same but neither one can really help ... .... So how is it the bureau claims to have all the info nut they ca n't find me in their system ... I think me and millions of americans are being lied to by the credit reporting agencies. Hope the fines keep coming. This is ridiculous. 

I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking. Also attempted to contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX per the address listed on my credit report and the letter got returned. I sent it to the bureaus and they ignored it. Please help if you can thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 I went to my courthouse to ask if they report bankruptcies to the credit bureaus. They gave me a letter stating They do not report any bankruptcies to anyone. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate? They never did a fair investigation according to 15 USC 1681.

The credit bureaus violated my given rights under 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consum
ers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

According to : 15 U.S.C 1681 section 602 A ( 4 ). I have the right to privacy.

According to : 15 U.S.C 1681 Section 604 A ( 2 ) : A consumer reporting agency can not furnish an account without my written instructions.

According to : 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: Credit card

My American Express Macy 's credit card failed to send me any sort of invoice or bill for purchases I made on the card. Then then charged me XXXX late fees and ultimately reported the account as delinquent to the XXXX credit company which brought down my credit score and caused me to be denied a loan. When I contacted them they said I was set up for " electronic billing '' but they did not have my email address. I never signed up for electronic billing, so I do n't know why they would say that. Also, they have my home address, so if they did n't have my email, they could have sent a bill there. I had to pay over {$100.00} in late fees and it ruined my credit score, cost me a car loan, and took hours out of my life trying to get it resolved. I have never not paid a bill in my life. If they had sent me a bill, I would have paid it, but I had no idea there was an outstanding balance because they did not notify me. I spoke with multiple representatives, waited hours on hold, and no one has been able to help me. I was told someone was going to contact me to resolve this, but it has been a week and I have heard nothing.
Product: Debt collection

I am unable to pay back payday loan due to unfornate accident would like withdrawal from checking to stop in fact interest amount is ursury and illegal in my state and compensate see attached documentation for more details
Product: Credit reporting, credit repair services, or other personal consumer reports

I have to account is close still show open In my credit report 1- XXXX XXXX 2- XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint last XX/XX/ XXXX XXXX  and some got deleted there are still a lot of fraudulent items reporting. I'm reaching out again regarding these fraudulent items and for assistance to remove them from my credit report immediately. I do not have any idea regarding these fraudulent accounts on my credit report. These accounts are not mine.
Product: Checking or savings account

A fraud was committed through the Capital One online banking portal where there were erroneous charges hitting my checking account in the amount of {$2200.00}. Capital one did not address this complaint in accordance with the Reg E Error resolution process as they did not conform with the technical requirements of the regulation. In addition, claims reported were denied because their investigation found that I was the one who created the reported charges which is totally false and without merit and I am willing to state as such in an affidavit if necessary. If you look at the nature of the transactions they align with fraudulent activity such as multiple transactions being charged for the same vendor in the same day.
Product: Credit reporting or other personal consumer reports

i applied for an apartment and they provided me with a background report with an account that i have no knowledge of so i disputed it as fraud and identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

It clearly demonstrates that information appearing on my credit report is inaccurate and is damaging my character, credibility, or ability to obtain credit. I've learned that I can seek Injunctive Relief through the courts.This is a false and misleading tactic used by the creditor and is it illegal.Failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed.Communicated and are continuing to communicate incorrect and defamatory information to third parties including but not limited to : XXXX, XXXX, and Trans Union.As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. I am also very upset at your firm 's intentional infliction of emotional distress and at the other diminishes of the quality of my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

They Keep sending me letter a accusing me of credit repair because I know my rights. I have received a computer-generated letter stating that they have ceased investigation of my credit reports because, in there opinion, they believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on there part to XXXX XXXX additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.
Product: Debt collection

This debt was removed from other reports but Experian. 
XXXX XXXX XXXX Original creditor : XXXX XXXX XXXXXXXX XXXX {$330.00} Balance updated XX/XX/2021 2021
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 XX/XX/XXXX Miscellaneous And Public Record XXXX XX/XX/XXXX Oil And National Credit Cards I am requesting validation, made pursuant to the Fair Debt Collections Practices Act. I am requesting competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to run my credit.