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

I submitted a complaint regarding the reporting of XXXX XXXX XXXX of an account with data inaccurate. I requested this account be deleted for inaccurate reporting. I received a letter back from XXXX after pointing out the discrepancies XX/XX/16 that it meets FCRA. I have attached the document which clearly shows an open account which a collections account should not be reporting open and it also is reporting past due which is also a violation. As such I am requesting damages in the amount of XXXX as well as the removal of the account from both my XXXX account as well as my Experian credit report.
Product: Checking or savings account

On XX/XX/XXXX a checking account was opened in my name at Bank of America. 
This part of the email I received notifying me of this fraud Your new account is open Great news! The following account ( s ) are open : Bank of America Advantage SafeBalance Banking Account # : XXXX
Product: Mortgage

I have a complaint against my mortgage company Fay Servicing and the handling of my insurance proceeds for the hurricane. I have been waiting over two months for them to Pay the company that finished my roof on my house. I submitted the invoice and they paid half before they started at the beginning of XXXX on XX/XX/XXXX. I have been waiting since then for the other half. The roofers completed the roof on my house on XX/XX/XXXX. They told me that an inspector had to come out before they paid the other half. The first inspector was supposed to come out on XX/XX/XXXX. However he never showed and never called. Fay Servicing took two additional weeks to try to contact that adjuster. After two weeks of no response they found another adjuster. It has been over four weeks since the second inspector has been to my house and submitted pictures. Fay Servicing told me that they still havent received the pictures. I spoke with the inspector on the phone and he resubmitted the photos to them. I keep calling Fay Servicing to get my roofer paid. I have spoken to numerous supervisors. They are giving me the run around with confusing information. Ive been told that they dont have the pictures to they have the pictures but there department havent had the time to look over them yet. I have much more damages and out of the pocket expenses for my house but cant get my money from Fay Servicing to cover it with my own insurance proceeds.
Product: Credit reporting

My name is XXXX XXXX and I 'm writing you about an entry listed on my credit report for trans union. Apparently someone with as similar name to mine filed bankruptcy in XXXX, NJ bankruptcy court and it appeared on my credit report. I decided to contact the bankruptcy court and they informed me that they do n't provide anyone with debtor 's full social security number and they do n't provide any credit reporting act to report erroneous information. As you know it a a violation of fair credit reporting Act. And I 'm requesting to have it removed immediately.
Product: Credit card or prepaid card

Chase Visa Southwest airlines card : Fraudulent charge for {$4600.00} on XX/XX/22 and {$3400.00} on XX/XX/22, both to the same merchant. Chase initially warned me of the fraud, texting an alert, and asking me if I did or did not authorize this transaction. My response was NO. They subsequently closed my account for safety, revered the charges pending an investigation, and issued me a replacement card with a new number. Somehow, their investigation determined that these WERE in fact charges that I had made, and they reinstated the charges, now onto my new account. I disputed them again, to which they again ruled against me, but said they could not release any written documentation of how they came to that determination. I again appealed a third time, on XX/XX/22, and that appeal is still withstanding. My belief is that Chase Visa may somehow be complicit in this fraud, as there is absolutely no way these charges are mine. The {$4600.00} charge says it was made in person, in XXXX XXXX Illinois. I live in California over XXXX miles away. Not possible. 
I'm still waiting for their response.
Product: Credit reporting

In XX/XX/XXXX. I cancelled the $ XXXX/month charges x 2 months ( XX/XX/XXXX & XX/XX/XXXX ) and received credits for these charges from the Transunion Interactive Co . In XX/XX/XXXX, I received XXXX more charges on my credit card for {$35.00} and called the company a second time. After a lengthy and argumentative session with a supervisor, he informed me that I had received refunds for the XX/XX/XXXX and XX/XX/XXXX charges but had " used '' XX/XX/XXXX charges and would have to pay those. I do n't even know at this point what was signed up for, what I was paying for or what the company provided for this charge. I think they are giving me the run-around and the website does not state specifically what you are paying or signing up for and is very confusing. Therefore, I would like to lodge this complaint against the Transunion Interactive company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting a XXXX account on my credit report that does not belong to me and is result of identity theft. I have attempted to dispute this account with Equifax multiple times to no avail. I went to the police station and filed a police report and completed an identity theft report which is attached to this dispute. Please make the corrections immediately as it is affecting my ability to obtain a mortgage. If this account is not removed immediately I will be left with no choice but to file a civil lawsuit pursuant to FCRA 616 and 617 for willful noncompliance and negligence.
Product: Credit reporting or other personal consumer reports

I took out a loan from this company in XXXX. I had previously done business with them and paid all previous loans on time as agreed. Shortly after taking out this particular loan, my bank account information tied to my automatic ACH/debit payments was compromised, so I notified Possible to postpone the scheduled payments until I could get a new bank account and debit card issued to connect to my account to make payments. I was offered the option of paying by money order, which I did not want to do. On XX/XX/2023 I received an email regarding my payment status, which clearly stated that I could use the Possible Finance website to submit my remaining payments. It took a few weeks to get my new account information, and on XX/XX/2023 I received an email stating that my account needed to be paid in full by XX/XX/XXXX in order to avoid charge off. Again, it referred me to their online services department to remit payment, which I did. I logged in and paid off my loan in full on XX/XX/2023. I did everything on my end, but this company failed to process my payments for over 10 days, which put it past the XX/XX/XXXX deadline for the chargeoff. I called and emailed multiple times prior to XX/XX/XXXX to see why they had not processed my payment and closed the loan on the XXXX and I was told that they wanted me to pay by money orderdespite having sent multiple emails advising me to pay online via debit card. This has resulted in a derogatory mark on my credit and I am in the middle of trying to buy a house for my family. I have all of the documents to back up my claim that the loan was paid on the XXXX, and then they CANCELLED my payments over a week later in order to charge it off. I want this removed from my report immediately to reflect the account being paid as agreed and NOT CHARGED OFF
Product: Checking or savings account

XXXX XXXX received an email from Cedit Karma stating, XXXX XXXX, Heads up your Credit Karma Money account has been locked. Don't worry, your money is still safe. This can happen as a safety measure to protect your account. 

If your account has a negative balance, please make a deposit right away to continue using your account. 

If your account does not have a negative balance, please keep an eye on your emails for more information and next steps. If you need help immediately, please reach out to member support. 

We're sorry for the inconvenience. 

Thanks, The Credit Karma Money Team Once I reached out the several times and escalated the situation to a supervisor, I was still told that they cant provide me with any information about my account.
Product: Credit reporting or other personal consumer reports

On or around XX/XX/year> Transunion reported an unauthorized inquiry from XXXX XXXX. I never authorized this credit pull. And Transunion is illegally reporting this unverified unauthorized transaction. They are in federal violation of 15 USC 1681
Product: Debt collection

I was a victim of identity theft and the debt was removed from credit report. The debt was purchased and again and is currently in litigation. I would like this removed from credit until the court proceedings are concluded.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX Credit Bureau is reporting inaccurate information on NISSAN-INFINITI LT. Another thing, this was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Checking or savings account

Years ago, my girlfriend and me opened up a checking account with SunTrust. With the merger with BB & T, they are now Truist. My SunTrust debit card was good until the end of XX/XX/2023 and my girlfriend 's card had an expiry date further away than that. In XXXX, Truist sent us Truist debit cards with instructions on how to activate them. There was nothing mentioned about our SunTrust cards being cancelled or that there was any sort of timeframe to activate these cards by. We decided we would continue using our SunTrust cards that were still valid because they offered XXXX as a payment service, which can sometimes be helpful when merchants are having issues with XXXX. A couple of weeks ago, I tried to use my SunTrust card to pay for a couple of games online. It told me, the card was declined. When I called Truist, the customer service representative told me the card had been automatically cancelled back in XXXX. We received zero notice that our SunTrust cards were going to be cancelled and the customer service representative told me, it was automatically done and there was nothing she could do. I asked for a supervisor. She told me one would return my call the next day, which never happened. I tried calling back on 3 different occasions, to wait more than 2 hours on hold to get hung up on as soon as the call was answered. 

As a XXXX XXXX person, the raised numbers and letters on my SunTrust card was much more useful to me. What really irks me off though is, that there was no notice at all in regards to our old cards being cancelled and customer care just kept repeating, there was nothing they could do until I asked for a supervisor, which I never got a call back from and have not been able to reach anyone at Truist customer care since.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX 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 an account without my written instructions.
Product: Money transfer, virtual currency, or money service

I use XXXX XXXX  and I am filing a complaint against Zelle due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Zelle failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX account XXXX is wrongfully reporting on XXXX, transunion and XXXX credit bureaus.jcs is collector for XXXX XXXX the original creditor.they are collecting or trying to collect XXXX dollars, approximately 700 dollars in charges appeared after I cancelled for poor service.and switched my phone number and service to XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached an FTC report with 2 accounts ans inquiries I did not authorize
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX 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 2 : It also states a consumer reporting agency can not furnish a account with my written instructions
Product: Payday loan, title loan, or personal loan

Around XX/XX/XXXX, my wife and I opened a line of credit with Wells Fargo bank. 
In XX/XX/XXXX, we paid off the entire outstanding balance ( {$10000.00} ) in one payment, to improve our financial credit standing. To our surprise, after making the payoff, we were notified by Wells Fargo that our line of credit had been closed. We contacted the branch, and were allowed to reopen the credit line, but at a higher interest rate. 
This XX/XX/XXXX, we wanted to pay down the line of credit again. 
In order to avoid what happened before, I went to the local branch to discuss this with a banker. I met with XXXX XXXX at the XXXX XXXX XXXX XXXX branch. When I expressed my concern, she contacted corporate headquarters to inquire about any impact of making a large payment towards the LOC balance. The corporate representative on the phone assured me and XXXX XXXX that making a large payment would neither incur a reduction in available credit, nor a risk of the LOC being closed. With this promise in hand, we paid {$5700.00} towards the {$10000.00} balance. To our surprise, we saw that WF reduced our available credit to {$4400.00}, only days after having made the payment. 
I contacted the branch manager about what had happened, and an executive case was generated to look into why the promise had been broken. 
After not hearing from WF in 2 weeks, I contacted them via phone. I was informed that they have the right to change the terms of the LOC at their discretion, which I know is the case. The reason for doing so, I was told was ; too many high outstanding balances, too high debt to income ratio, too many recently opened accounts and too many inquiries. My credit reports at the time did have high outstanding balances. However, my debt to income ratio was only 25 %, there were XXXX inquiries over the past 2 years and 2 new accounts over the last year. The fact that WF finds that profile to be too risky for them, indicates to me that they are prohibiting a large portion of American consumers, who bank with them, from the ability to obtain credit at nationally accepted rates. 
The whole reason for us to want to pay off credit, was to improve our credit worthiness. Wells Fargo did nothing but damage our credit scores by reducing the available credit, and the unprofessional response I received on the phone when inquiring about this matter, leaves me worried for the consumers who are trying to improve their credit and banking with Wells Fargo. 
For my wife and myself, we are taking our banking elsewhere to avoid this type of unprofessional conduct, but hopefully this complaint can be useful to someone else who are undecided wether to bank with WF or not. 
Sincerely XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX is obligated as per the FCRA to report accurate accounting. I, the consumer have repeatedly reported to Equifax approx. 8 times. XXXX is the 8th and last dispute regarding inaccurate information being reported onto my consumer credit file pertaining to the Attorney General of Texas account which is a fictitious debt being reported onto my consumer file. I have made several communications with the Attorney General XXXX Texas aka Office of the Attorney General - Child support division ( DUNS # XXXX ) hereinafter ( OAG ), which is state government acting in a divested, commercial capacity and not a sovereign capacity. I have demanded the OAG validate the debt and they simply will not. The alleged debt is arrearages in the amount of {$2200.00}, inaccurately being reported as {$2200.00}. It is without controversy that Title IV-D is a contract, see Blessing v. Freestone and 42 USC 603 ( 5 ) ( I ) ( iii ) ( III ) GRANTS TO STATES, and commercial, see U.S. v. Lewko, 269 F.3d 64, 68-69 ( 1st Cir. 2001 ). According to the court order/contract there is no such agreement or disclosure that interest/arrearages is apart of the transactions between debt collector ( OAG ) and alleged obligor. 

I have informed Equifax of these inaccuracies, provided with attachments and evidences. I have strong reason to believe that Equifax and the Attorney General of Texas are both conspiring together to violate my consumer rights. Equifax is allowing the OAG to investigate themselves, and closing my disputes as " verified '' without of proof of validation of debt. I am demanding that Equifax and OAG delete the information from my consumer file on deaf ears. I believe that Equifax is acting in a willful and negligent non-compliance of their obligations as mandated per U.S. law. 

The OAG is in violation of the FDCPA by not validating the alleged debt. They are in no capacity to collect upon a non-agreed-debt. I will also add, I have attached a letter from XXXX which agrees that " child support '' should not be reported onto consumer reports as they do not originate from credit transactions. 

Equifax is liable under the FCRA and the SEC to follow certain rules. Equifax commission file # XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, New York XXXX. 

I am strongly considering filing a lawsuit in federal court.
Product: Credit reporting or other personal consumer reports

I have disputed with Experian regarding inaccurate reporting and nothing has changed. These debt collection companies refuse to provide any purchase agreements that are signed by me.
Product: Student loan

Hi-I previously submitted a complaint to CFPB ( XXXX ) in XX/XX/XXXX. Either CFBP misunderstood the complaint or XXXX XXXX   misrepresented the response. 

The issue continues to be that fedloans has not properly calculated payments for the Public Service Loan Forgiveness Program. 

I am a former XXXX XXXX and currently an XXXX XXXX XXXX in the XXXX XXXX XXXX XXXX. Other than a few months ( approximately 3-4 ), I have been making qualifying payments since XXXX. Yet, XXXX continues to miscalculate this. 

Would like this elevated ( potentially to the senior leadership at the Dept. of Education ) as this issue has been going on now for several years. My cell is XXXX. My work email is XXXX and personal email is XXXX Thank you and sincerely, XXXX XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : XXXX XXXX ( Experian report number ) # XXXX my Social security # XXXX my address : XXXX XXXX XXXX 
XXXX, WI. XXXX ( XXXX ) XXXX Email : XXXX unresolving Issue Re : XXXX XXXX XXXX  Account number XXXX Account type Collection Date opened XX/XX/XXXX Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. 
This account is continuously reporting negative account information the above account has been included in my bankruptcy XXXX XXXX filed XX/XX/XXXX and was discharged XX/XX/XXXX in case number # XXXX this information keeps reporting and experian keeps reporting it as negative information
Product: Mortgage

Compliant # XXXX The problems continue with Amerihome Mortgage company I they have again failed to process my XXXX payment and now I ca n't make a XXXX payment useless I pay for 2 months now. In an attempt to get away from them my mortgage broker informed me my credit report has been damaged by there failing to process my payment in this summer. This will prevent me from getting refinance. There employee who stated she tried to call me on XXXX XXXX lied and never called me at all. This is criminal to case me personal damage on my credit report and to put my home in danger of default by not posting payment made to them. Please Please help. Below please find the email sent to their staff attorney XXXX/XXXX/16 regarding my XXXX payment not be posted. He contacted me after receiving your compliant. 


Dear XXXX XXXX ( Attorney for Amerihome Mortgage ) I would like to let you know the problems continue with my not being able to make payments on my mortgage due to your system errors. I made a payment on line in XXXX with a manager in your office and discovered the payment has not been registered yet and my XXXX payment is not showing as having been paid. I can not pay my XXXX payment on line as it requires XXXX and XXXX be paid! I spoke with a mortgage broker to refinance to get away from Amerihome and he said you have damaged my credit report by stating my payment was 30 day past due. I need to have these issues resolved asap this is absolutely horrible. I spoke with someone in your executive office 2 days ago who lied and said she called me but no message was left on my cell phone and my home phone ca n't take messages. I hope to avoid filing a new compliant with the federal government and to not look for additional regulatory assistance with this important matter. I can be reached at XXXX XXXX XXXX XXXX. I need to have my XXXX payment posted and in order to make my XXXX payment and to have my credit cleared.
Product: Credit reporting or other personal consumer reports

Didnt give written permission to have XXXX XXXX or Synchrony Bank furnished on my credit report
Product: Credit card or prepaid card

Discover bank never provide any proof transactions which one made not buy me Discover don't know how to investigate and proof the transaction is mine I explain to them but they just ignoring me and they just put it fraudulent transactions back to my account