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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$250.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, i have rights under 15 USC 1681 Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Account : Individual Account Date reported XX/XX/2022 Account status Unpaid Creditor Classification Cable/Cellular Original amount owed {$1000.00} Original creditoXXXX XXXX XXXX Date assigned XX/XX/2022 Agency XXXX XXXX XXXX XXXX Status XXXX XX/XX/2022 Delinquency Date of last payment Balance owed {$1000.00} Comments Consumer Disputes Reinvestigation In Progress Balance date XX/XX/2022 Date of first delinquency Agency contact information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

while checking my credit report with XXXX i noticed an account that stated that i was derelict in the amount of {$640.00} but was a balance of {$0.00} as present.i have no knowledge as to where this comes from. i have never had any relationship with this account.
Product: Credit card or prepaid card

This is in reference to a Citi Bank Sears Credit Card. Company refuses to delete my online AND personal account information. Have received multiple explanations from Citi CSR Supervisors regarding why this cant be completed : ( Company Policy, Patriot Act, Credit Reporting Bureaus, Information Sharing ). 

Citi Bank has failed to disclose any written restrictions or limits to deleting online accounts and/or personal account information either in their User Agreement or on their website. 

This is a breach of privacy and of personal security to have this data just sitting out there on their servers for an undermined amount of time.
Product: Debt collection

XXXX called today from XXXX XXXX? And started off by saying they are about to take civil action against me before even telling me that it was a debt from Barclays and I made the last payment in XX/XX/XXXX. I said I settled that when I bought my house with another company and dont owe it. He went from threatening to sue me to closing down all my checking and savings accounts, yelling, Youll be calling me back then!, and hung up on me. They are using a different last name ( Ive been re-married since XX/XX/XXXX! ) and he wont mail me any correspondence. Verbally abusive, calls constantly and has even called my husband!!!!!! Please make it stop. Hes literally making me ill with anxiety. All I know is hes XXXX @ XXXX ; XXXX
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. I used Zelle numerous times and reporting discrepancies, my financial institutions 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: Student loan

In XXXX I was served with a lawsuit to garnish my wages after asking XXXX XXXX to combine my loans into XXXX. I was sued for XXXX loans. I hired a lawyer. We set up a payment agreement on all loans and I've never missed a payment. 
Around XXXX a different creditor pretended I had no agreement and tried to sue me again. I showed my paperwork and my payment history. 
Around XXXX this happened for a XXXX time. At all points when creditors tried to change I showed my agreement and never missing a payment. 
Finally those loans are gone. 
HOWEVER when I log into my navient account I see an account that I was never served, never once discussed and I XXXX  in XXXX. 
So surprise there is a XXXX loan that was never once mentioned in any documentation. 
When I log in and saw this I tried to continue my payments but creditors have returned payment. When i log into Navient website to pay for a mystery loan, I made XXXX payment and the payment button was XXXX. 
I don't even know what it is. I don't know why in XXXX  years this was never discussed with me ; I was never served ; I have no knowledge of the mysterious XXXX loan that is still showing up on my account. I don't even know if it's real or just some other manifestation of the loans that were paid off in full. The company doesn't explain. I want this XXXX  loan XXXX for time alone. I was never notified of its existence in XXXX  years despite how I was threatened to take to court 3 times over student loans that I had every payment documented.
Product: Checking or savings account

Chase Bank Fraud on my checking account : reported the claim & was not refunded. 
The following charges were made fraudulently after Chase sent my new debit card to an unauthorized address : XX/XX/2023 - XXXX XXXX XXXXXXXX {$160.00} charges XXXX - XXXX XXXX {$25.00} XXXX XXXX XXXX XXXX - {$77.00} XX/XX/XXXX - XXXX {$25.00} XXXX charges simultaneously. 

XX/XX/XXXX - XXXX {$25.00} XXXX charges XXXX : {$910.00} The fraud continued to occur after reporting it. I even kept my card locked, and it persisted. I was refunded for one of the XX/XX/XXXX charges for XXXX, but not the others and the bank is stating it was past the 60-day requirement, yet reimbursed me for that one XX/XX/XXXX charge. 

I can barely ever even get through to Chase Bank, but I spent so much time trying to, and was told when I filed the claim that it would be handled and I would be reimbursed in 5-7 business days. 

Now they are telling me there is nothing that can be done, and I will not accept this when Chase is liable for the fraud by sending my personal information to an address that I do not and did not have on file.
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 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 tracking these transactions was unfeasible. The CFPBs 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

I have a judgement/public record on my credit report that has been satisfied/paid in full and I would like this to be removed from my report.
Product: Mortgage

Previous lender ( XXXX loan # XXXX ) coincidentally sold my loan to Carrington mortgages which I've tried for 3 weeks relating I'm currently enrolled in a disaster relief program and are telling me I'm not in forbearance rather in foreclosure. This was not what was related to me from previous lender. I contacted XXXX who has assured to me the new lender must honor and continue the assistance provided keeping all the same terms and agreements that I currently have. I was made a mockery of, insulted, and told demeaning comments in an extremely unprofessional and hurtful manner by XXXX at Carrington. XXXX transferred me to her supervisor XXXX XXXX who also offered no help other than to fax any supporting documents to a research team that wont address the matter for 60 days. This all seems very methodical to cover themselves during RESPA duration telling me they can not service my account until after the period has passed. Once the time has passed I will be out of forbearance designed to help/assist me but in fact is creating additional hardships increasing more risks adding further penalties escalating the consequences that I may never recover from and possibly losing my house. This seems strategic and should not be allowed, I'd think it would be illegal if I'm to be honest. Assistance should be exactly what it means, both Carrington and XXXX are in cahoots avoiding any and all liability since they can not technically service my loan. These loopholes are creating further hardships for those in need and are being promised aid/assistance. I will circumstantially be at more risk if this is allowed.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding unresolved disputes on my credit report that have not been investigated or corrected despite my repeated attempts. I have filed multiple disputes with the credit bureaus regarding inaccuracies, yet the information remains unchanged and continues to negatively impact my credit score. I am requesting immediate assistance in resolving these issues. 

Specifically, I have disputed the following accounts, but they still appear on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$5000.00} Plus many more! 

These disputes have been open for several years, and despite my repeated efforts to have them resolved, no action has been taken to correct these entries. These accounts are inaccurately reported and have significantly affected my financial standing. I believe these entries are the result of errors or other factors that should not be affecting my creditworthiness. 

I have followed the dispute process with the credit bureaus multiple times, and each time, I have been assured that the information would be investigated and corrected. However, despite these assurances, I continue to see these negative entries reflected on my credit report, and I have not received any meaningful updates or resolutions.
Product: Student loan

I disputed a private student loan that was done through chase that was due to identity theft and in return I received a packet from chase student loan department to send my police report my FTC identity theft affidavit and the paperwork they sent for me to fill out and get notarized I completed all the steps and sent it over. There was a number on the paperwork that was n't correct so I called chase bank regular number and asked for the student loan dept they gave me the number to XXXX ( XXXX ) XXXX and I was told that they do n't deal with chase student loans that chase always give people their number and they do n't handle those accounts I called back and no one seems to know where to direct me or have any information on what 's going on the packet that was sent to me
Product: Debt collection

XXXX XXXX XXXX ( Hospital ) failed to submit a claim to XXXX XXXX XXXX for reimbursement in XX/XX/XXXX when I was on XXXX in the military. In XX/XX/XXXX, XXXX representative said the Hospital can resubmit the claim for payment. The hospital representative was contacted to resubmit the claim. A document was requested either by First Financial Asset Management or the Hospital pertaining to my case. The form was sent per their request. The hospital sold the bill to an outside collection department instead on resubmitting the claim. First Financial have XXXX XXXX XXXX attempting to collect the debt. The bill is XXXX and will settle for {$240.00}. I 'm required to pay a bill the hospital fail to submit to XXXX now owed by a collection organization?
Product: Checking or savings account

I know that I recieved at least 10 remediation checks and on XX/XX/year> when I called them the lady could only find 6. I need all 10! Im enclosing photos of all mail that I recieved from Wells Fargo that includes my bank statements, letters before the checks amd tbe checks with the enclsires that I need! I also have a photo of 5 of tbe checks if this will help any. I believe thst they all were for Affinion products that I did not request on my account. 
Here are the tracking numbers thst she gave me for the 3 checks. And yes there was 1 check for {$16.00} so I believe thete was 11 or 12 total checks! XXXX XXXX XXXX. XXXX XXXX XXXX THANKS Why would tbey not have record of at least 4 checks they sent me? Makes no sense!
Product: Vehicle loan or lease

PNC Bank and transfer agents have failed to extend credit to consumer by way of credit application. It is responded Of a concern addressed about an " unidentified security ''. However, the consumer has expressly shown and given details in regards to the credit application ( the security ) And The securities fraud that is taking place. 

I do not wish to be discriminated against by age. I am the majority of sound and able to handle my XXXX and to professionally transact for my XXXX. It is confirmed by XXXX XXXX in the previous response to the CFPB that I claimed rights to credit. Also in the response It states I was Simply not satisfied with the results when this is not the fact of the matter. You can not discriminate against my age ( I am the age of majority ). An application is defined as an extension of credit. I have given PNC Bank principal information relating to my trust and estates account ( XXXX ). I only requested PNC Bank to reconsider the terms in regards of their decision on a consumer extending credit to themselves, I have asked that since it was denied to have my application retracted. To deny my rights to my securities and credit is securities fraud. This is not negotiable. This is not a Personalized response this is In Law. I have done my diligence and contacting regulatory agents within the Security and exchange commission and submitted complaints in regards to this matter. It's not about meeting my expectations. It's about Being in compliance What state and local laws in regards to the consumer, credit privacy act, the equal credit opportunity act, the security and exchange commission provisions in regards to securities and the ceasing of discriminatory and misleading practices..
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. i had XXXX late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy, this account has not been late on payments I've attached a copy of my report to this complaint on the following dates XX/XX/2023 and XX/XX/2023. I'm now requesting you investigate this account and update this account to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Report Act ( FCRA ) to conduct a reasonable reinvestigation of disputed informal credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

NARRATIVE After reviewing my credit report in 2019 I noticed several unfamiliar accounts and a large loan I hadnt applied for. At first, I thought it was a mistake, but after contacting credit reporting agency, the truth hitsomeone had stolen my identity. The thief had used my personal information to open credit cards and rack up thousands in debt. I felt violated and overwhelmed, facing months of sorting through fraud claims and trying to repair my damaged credit. What seemed like a routine check turned into a nightmare of financial recovery and stolen trust. Finally accounts were removed except this One in particular XXXX XXXX XXXX, in the amount of XXXX dollars Account XXXXumber : XXXXThe thief created an falsified email, home address, phone number and also made payments to legitimizer the fraud.
Product: Bank account or service

I am a new customer of Suntrust bank. When offered, I opted into overdraft protection, assuming there would be commercially reasonable terms as I experienced with XXXX XXXX XXXX applied to my account. In fact there were not. They charged are total of {$140.00} of fees to me for transactions that had, in fact, overdrafted my account by {$42.00}. When I called, they said they only charged fees for transactions over {$5.00}. XXXX of the fees they charged in fact violated that policy by being for {$3.00} each. They voluntarily refunded XXXX unspecified fees as a matter of courtesy. There policy is n't in line with XXXX XXXX XXXX, which exempts transactions under {$10.00}, and XXXX goes out of its way to notify you that your account has been overdrawn via text message and e-mail. Clearly, Suntrust is out of line with public policy, and their checking account contract of adhesion is out of line with the common law in this country. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please review complaint number XXXX that was submitted to the CFPB. I have additional evidence and was not able to attach to the original complaint. Therefore, I have opened this complaint. 

Navient has refused to remove late payments from XX/XX/XXXX thru XX/XX/XXXX. However, I have requested deferment multiple times with this organization. Navient was first informed in XX/XX/XXXX of my economic hardship. I sent a letter during that time and sent another letter in XX/XX/XXXX. Also, a phone call was made to Navient on XX/XX/XXXX. According to Navient 's response in complaint number XXXX, Navient claims they were not contacted until XX/XX/XXXX. This is false and Navient is lying to a federal agency, which is a violation of federal law. Please see attached email, phone record, and letter from XX/XX/XXXX. The email correspondence shows that Navient was informed of economic hardship. Navient responded to my email requesting that I call for assistance. I called Navient ( as shown in the attached phone record from my XXXX wireless service ) at XXXX XXXX on XX/XX/XXXX at XXXX. The representative requested that I send a letter. See attached letter that was sent along with a printout of my economic hardship. Navient did not place my accounts in deferment and is reporting late payments, although they were informed of my deferment request.
Product: Bank account or service

Wells Fargo is constantly trying to add additional products and features to my account. I have a checking and credit card with WF ; they asked if I wanted to link the XXXX in the event of an overdraft the credit card would serve as my overdraft protection. They sold it as, do n't ever get denied at POS and do n't worry about paying returned check fees. Money transferred to the checking account to cover a transaction is done as a cash advance and paid at a higher interest rate. The credit card allows for a cash advance feature, which is just borrowing funds at the higher rate, but no charge. When money is advanced from the credit card with the overdraft protection feature, it is done so with a considerable fee. I think the fee is a way of WF layering fees and costs because they can. Obviously this is n't requiring anything more than electronically transferring of funds, which is a option without fees. Again, I can transfer money or take a cash advance at no charge, but due to an overdraft ( where I am obviously short funds ) I am being taxed by the fee and the additional higher interest rate. I think that if WF offers the " Protection '' they should be limited to collecting the higher interest on a cash advance and not be able to charge a fee.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). 

Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case.

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX XXXX XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXX v. XXXX XXXX ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft.

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023