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

I recently check my credit from experian.com and i notice a few fraudulent accounts on my credit report. I do not usually check my credit but i was at shocked when i saw that there was a fraudulent account open under my name. I got a few alerts stating that my information was on the dark web. Also, i was affected by the XXXX breach that happen a few years ago. I contacted the 3 credit bureaus regarding this and i was told to get an FTC report. I have attached my drivers license and Social along with the ftc report.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( 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. 


XXXX XXXX XXXX XXXX  Never Sent the periodic statement along with the disclosures from section

1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 a
nd It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting 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 1681. 


Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 Any other adverse item 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: Money transfer, virtual currency, or money service

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 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: Debt collection

I 'm a XXXX was working for the XXXX that I was contract with, XXXX in XXXX ca. They did not pay me for my services I took a load from XXXX to XXXX and back. My truck broke down they advance me some money to fix it but on the way back they kept the rest of my pay and now they been reporting on my credit over {$6200.00} that I owed them. This is an abuse to my self as an employee of XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX ( XXXX ), # XXXX ( XXXX XXXX ), # XXXX ( XXXX ), # XXXX ( XXXX ), # XXXX ( XXXX ), # XXXX ( XXXX XXXX  ), # XXXX ( XXXXXXXX XXXX ( Original Creditor : XXXX XXXX BANK ), XXXX XXXX ( XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX BANK XXXX XXXX XXXX, # XXXX ( XXXX ( Original Creditor : XXXX XXXX ), # XXXX ( XXXX XXXX XXXX  ), # XXXX ( XXXX XXXX ), # XXXX ( XXXX & XXXX ), # XXXX ( XXXX  ) ; has violated my rights under sections. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Money transfer, virtual currency, or money service

Bank of America was unable to recover a significant amount of lost funds from a scam I was involved in. I provided them with all of the information I could have, I also filed with the FBI and my local police. I have been with BOA for over 10 years, and have lost all of my savings. I thought BOA would have helped in anyway possible to ensure the safety of my money. They have done nothing to help me in any way except send me letters in the mail stating they were unable to recover the money.
Product: Mortgage

Hi. A little history. My mortgage has been sold to 4 different companies. Each company would change my mortgage ( including escrow ) starting at {$1200.00}, monthly to now {$1700.00}, without explanation. My interest rate is 4 % and my principal and interest is {$860.00} and a now 49 year term since it was sold to the last bank. Originally I was at a 30 year fixed. Im not sure where the mistake happened, and there is no explanation. To top it off, Covid hit and I was forced into forbearance due to covid hardship, at which point it had to be extended. I wasnt able to make payments during the forbearance program, and requested a loan modification with the bank. Ive been applying since XXXX of XXXX. I completed a loan modification packet and documents to support the application, only to have the bank prolong the review by telling me they never received the supporting documents. I would forward them again, only to be told other documents were needed also. This went on until XXXX. Finally I got a denial letter, and was told if I wanted to appeal, and I did. It was knocked down in 1 day, with a denial. After numerous calls, I was Told that unless I can make my 1742 monthly payments, I will keep getting a denial. Why. I thought a loan modification is to modify your loan to affordable payments. Not keep it the same. Nonetheless, I was told to resubmit a new application, which I did. I sent in another packet with the supporting documents. Ive called them on a weekly basis. Now its under review. Im getting a gut feeling that it will be denied again. Ive been living in my house since XXXX. I raised XXXX boys in this house, only to have my eldest son XXXX XXXX XXXX XXXX XXXX I have all his memories in this house and dont want to lose them. I am Incapable of paying the forbearance amount due. 
Covid caused hour reduction at my job. I went from 35-40 hrs to 12 hours a week. I am in over my head. Credit wise as well. 
I was asked why we dont sell. My house is in a lawsuit with the insurance company, for poor workmanship. I havent been released from the insurance company and things still need to be addressed. 
I feel as though Im getting the run around from this bank. 
I have bank forced home owners insurance because no insurance company will insure us due to still having an open claim. However, I used to have a XXXX principal and interest, with a XXXX interest rate and escrow at $ XXXX monthly on a 30 year fixed term. Now Im at 4 %, a 49 year term and having to pay {$64.00} dollars less. Doesnt make sense Any help will be truly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with a fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a customer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under and open end customer credit plan as late in any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I reported several accounts, mostly credit card accounts, that were reporting on my credit report as fraudulent accounts to XXXX, XXXX and XXXX XXXX because the accounts were not applied or used for myself. 
I suspected an identity theft, and requested all accounts that were involved with identity theft to be removed from my credit report. 
Also, I requested a validation of involved accounts to see how, when and where these accounts were created. 
XXXX and XXXX successfully made a decision that all accounts were fraudulent and removed them from my credit report. But XXXX is continuing to post accounts from CITICARDS, and I did not receive any explanation why these accounts were being posted. Not only explanation was not provided, but I did not receive any solid proof that I am the person who made these accounts. 
XXXX is in clear violation of FCRA. Disputed accounts must go through vigorous validation process that the process and the proof of the validation and verification must be shared with the consumer. 

CITICARDS CBNA XXXX CITICARDS CBNA XXXX Above listed accounts are fraudulent accounts that are still being reported on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted all three XXXX, XXXX and experian. The names on my report isnt me. 
XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I never worked at XXXX I never lived at the following addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX and Experian hasnt updated my credit since XX/XX/2021 XXXX still has old information on my credit
Product: Student loan

Recently my student loans were transferred to Nelnet. 
I applied for a SAVE repayment plan, and my student aid profile says the application has been reviewed by nelnet, and the case is marked Closed. Yet I have not had a single email ( or other ) communication from Nelnet, other than a bill that I can not afford that is due tomorrow. 
The most frustrating piece is that every time I call Nelnet I am stuck on hold for extreme amounts of time. I have not yet been able to get through to an actual person to ask what happened to my XXXX application, and why have I heard nothing about it? 
It feels like they are stalling on purpose - as Ive found vis XXXX that I many others are having the exact same problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX issued by Synchrony bank has reduced my credit limit from {$4000.00} to {$1000.00} without notifying me which has resulted in a drop of 30 points to my credit score [ XXXX  & XXXX  ]. When I tried to contact Synchrony bank the representative could not provide me with actual details why was not the consent taken from the customer esp for a decision that would negatively impact the Credit score. I would request CFPB to review this and consider adding regulations to help consumers from such predatory practices of banks. I think we should be clear to apply the same kind of rules that exists for an entity that checks consumers credit report be applied when they make decisions that would negatively impact their credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm am not XXXX XXXX XXXX I am not affiliated with XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I keep getting they cannot verify my identity even though I sent in all proper documents to prove my identity including my identification.
Product: Mortgage

I FINALLY FOUND OUT THE TRUTH! In XXXX I was approved for a loan mod with Chase Bank. I completed making my 3 trial payments to Chase and in XXXX of XXXX I call ; ed to make my 4th payment and Chase told me I was transferred to XXXX and that I would have to call them. I called them and they said that I would have to start the mod process all over again. I was DEVASTATED!! I tried to get the mod through XXXX but their system is slow, unorganized and unpredictable. They tried to utilize the NPV tool and input my wrong income. I sent them a pay stubs making XXXX per month and they input I was making XXXX per month and denied me because of income. On another occasion they stated they did not receive documents from me, however, I sent them every document they asked me for and I have records of me sending all the docs, timely. 

My real BLESSING came last week when I called XXXX to plead my case and see if I could short sale instead of foreclosure. I spoke to XXXX in customer service. She opened the file and blew it apart. She went back to XXXX when the file was sent to XXXX. She read all the notes and found that Chase did not send the mod package to XXXX so they had no record of it. Furthermore, she found that by the time XXXX recieved my package was in XXXX and the docs for the mod had expired. That is when XXXX stated the docs were expired and because they did not have my signature they were not going to honor my mod. IT TOOK ME 4 YEARS and a girl named XXXX to finally help me. I had no idea what the issue was. I am asking that Chase and XXXX honor my modification and apologize for the inconvenience they have both caused.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I had a passed due balance XX/XX/2018 only Bank of America credit card. Ive had multiple fraud issues with BOA, and people hacking into my email and more importantly my account with BOA. Ive had to change my account and get new debit cards and credit cards which Im turn made my automatic payments late with multiple accounts. Luckily I caught all of them in time except for the BOA account. Ive never been late, Ive worked hard on fixing my credit after my BK, and now Im right in the middle of our purchasing a home and this discrepancy is causing a major issue with financing for me. Ive tried disputing this through all 3 bureaus and BOA directly but unfortunately have had no success. Please help me get this off of my credit report. Im desperate
Product: Credit card or prepaid card

I have called mutiple times with American express to active my card and nothing happens. I keep getting told to wait few days and its been weeks. I want to use my remaining balance on my card. this is American express business giftcard.
Product: Student loan

Hello, I'm fed up. My almost {$800.00} per month student loans resumed this XX/XX/XXXX, and this is what I've had the displeasure of dealing with : XXXX set up auto-debit well before XX/XX/XXXX, along with my bank account information. 
-On about XX/XX/XXXX, I logged into my student loan account and was advised by Nelnet XXXX my account was delinquent, and I had to pay the outstanding balance immediately. 
XXXX did, and then they charged me twice for XXXX. When I tried to call them to remedy the situation, I was told I had to contact my bank to reverse the charges for the second unauthorized charge, which I did. The second charge was reversed. 
-While I was still doing automatic debit with Nelnet XXXX I received another message from them in XXXX that my automatic debit was not accepted because I had " insufficient funds. '' This was nonsense, as I had well over {$1600.00} in my account, and told them such. 
XXXX 'm continued to be hounded by emails and statement balances from the XXXX XXXX XXXX XXXX and Nelnet XXXX letting me know I am " behind '' in my payments. 
-As a last resort, I decided to just use my bank and XXXX XXXX XXXX payment to XXXX XXXX. 
XXXX just received a notice from my bank a moment ago that the transaction " Failed '', even though I have {$2200.00} in my account. 
-My patience is at an end. If Nelnet doesn't remedy this situation within 10 days, that will let me know I will need to pursue further legal action to protect myself from their nonsense. 
-I am begging you to please help me. I am not trying to get out of anything, and this is the first time in my life that I've had to strategize how to pay another entity ; you'd think they would want more money. Oh ... nevermind ... I won't get the scraps of minor interest rate reduction if my auto-debit is disputed or cancelled. 
-And this has been really great just in time for the holidays, so I guess my loved ones will be lucky to even get a card this year with this ridiculous amount of money I'll have to pay every month once again, even though the whole reason I got this degree was to become a clinical psychologist who helps my patients every day with suicidal thoughts, XXXX, and anxiety. Which I am a clinical psychologist, and help my patients everyday. 
XXXX days from today, and then I'll take further legal action if there is no response or remedy. I'm done. And I'm certain the XXXX would like to hear about my story, so I'm preparing for that too.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted disputes to you and didn't get a response within 30 days and you all are required by law to do so. Please investigate me disputes, please. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity fraud. A fraudster tried to open an account using my information. I was able to stop them via my real time alerting. I contacted the bank. XXXX and stopped the credit card app. The fraudulent application triggered a hard inquiry that stays with me for 2 years. I have been able to resolve with 2 other credit bureaus via phone and online submission. However Transunion refuses to do this. Their insistence is that I mail it registered mail at my cost. This is very unfriendly since their competitors have all online access available as option. I am also forced to write a detailed letter instead of a phone conversation with their representative. I find this very onerous. I have to visit post office during Covid time. Pay for expensive mail. Wait for mail to be delivered. Hope that it doesnt get delayed or lost and hope they open and read my info in timely manner. This is too XXXX. The company needs to help customers not make us jump through hoops. 

As better example. I was able to resolve my issue and submit evidence to other agencies and got satisfaction and resolution in 24 hours with no out of pocket and no pollution. 

I feel Transunion is very consumer unfriendly and putting cost burden to customer instead of their XXXX profits.
Product: Debt collection

Identity was stolen/compromised and later discovered that my personal information was utilized to rent/lease an apartment/home in my name even after informing of identity theft National Credit System continued to attempt collection and refused to remove from credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 XXXX XXXX XXXX XXXX XXXX PL XXXX, SC XXXX RE : Last XXXX SSN : XXXX XXXX XXXX XXXX  To Whom it may concern, Please accept this letter as notice that you are in violation of false reporting by verifying the account without providing account level documentation. According to FCRA, you are required to & quot ; ( 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. & quot; ( As stated in15 U.S.C . 1681i ) in conjunction with15 U.S.C.

1681i ( A ).

Pursuant to15 U.S. Code 1681o you failed to comply with the FCRA along with15 U.S. Code 1681n in which you KNEW it would be a violationand you intentionally violated the FCRA. 
Failing to follow procedure has caused mental anguish and caused me to be denied a personal line of credit and I received an adverse action letter stating because of the collection I was denied, even with having exceptional scores. 
I wish to settle this matter quickly and amicably. I am requesting a deletion of the tradeline, a release from the alleged debt obligation, and {$10000.00}. To remain in good faith, I am providing you 30 days to remedy this situation. Should I not hear from you, that will result a filing of this case in federal court. 
Should you wish to discuss this matter in greater detail, I can be reached via XXXX. 
Respectfully, XXXX XXXX
Product: Credit reporting or other personal consumer reports

My personal information was leaked in a data breach, I contacted each company and explained this to them. I asked the companies to investigate and delete off my report as this is all false information.No one has gotten back to me. Listed below is the fraudulent activity on my report : XXXX XXXX- XXXX XXXX XXXX Account # XXXX {$14000.00} Date Opened XX/XX/XXXX - Consumer XXXX XXXX XXXX # XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX Date Opened XXXX XXXX XXXX - XXXX XXXX Account # XXXX {$1200.00} Date Opened XX/XX/XXXX - XXXX XXXX XXXX XXXXt XXXX XXXX {$100.00} Date Opened XX/XX/XXXX There is also a bunch of inquiries and student loans that I disputed I'm waiting on the results for them to be deleted as well.