23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I created an account with XXXX about a month ago and initially deposited {$8000.00} as an investment, purchasing XXXX along with a few other cryptocurrencies. Approximately two weeks later, I attempted to withdraw a portion of my funds, but XXXX informed me that my withdrawal had been suspended. 

Since then, the price of XXXX has increased, and I am in urgent need of access to my funds. I have reached out to customer support multiple times, but it seems they do not have a clear way to assist me, as their responses have been repetitive and unhelpful. 

Despite having two-factor authentication enabled and having recently changed my password, I submitted a recovery photo as requested. Although I provided a clearer photo after their initial feedback, I have yet to receive a response after almost two weeks. 

I am becoming increasingly concerned about the situation and wondering what is happening with my money. I would appreciate any guidance or assistance, as my experience with XXXX 's support has been quite frustrating. 

For reference, my ticket number is # XXXX, and the email associated with my XXXX account is XXXX but you could easily access me with my registered email on this website which is XXXX Thank you for any help you can provide.
Product: Student loan

I made a payment of {$500.00} on my student loan on XX/XX/20. 3 days later I had an outstanding interest payment of {$77.00}. This was after the care act was signed in XXXX. I've sent a dozen emails to my servicer, Fedloan, and keep getting told the interest has been removed, but it has not.
Product: Credit card

My card was charged {$1300.00} in XXXX. I opened the dispute twice, and was rejected twice. I called/ texted the customer service at least 5 times in the span of 4 months asking the agent to request the evidence that the bank has gathered which led to the rejection of the dispute. 
However, the bank has never responded/ reached out for any of my evidence. And it has been months without them resolving the issue.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that restoring 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 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 card

XXXX Account # XXXX XX/XX/XXXX, XXXX- XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX, XXXX XX/XX/XXXX, XX/XX/XXXX violated my rights under : 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE and 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

Pursuant to 15 USC 1666b 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Once again I notice Erroneous and Wrong information on my credit reports regarding the account of XXXX XXXX XXXX  .... See attachment!!! 

On Transunion they report : " Times 30/60/90 days late '' 0/0/0 ( 0 ) late payments On XXXX  they report : " Times 30/60/90 days late '' 5/1/1 ( 7 ) late payments On XXXX they report : " Times 30/60/90 days late '' 5/2/1 ( 8 ) late payments, but see experian pic attachment, they said I have 9 POTENTIALLY NEGATIVE MONTHS. 

I request that this account to be remove from all my credit reports immediately due the fact XXXX XXXX is reporting inaccurate and inconsistent information on 3 different credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX CUSTOMER SERVICE WOULD NOT TAKE CARE OF NEGATIVE INQUIRIES ON MY CREDIT REPORT XXXX XXXX XXXX  XX/XX/2020 XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I

have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX. Since then the accounts has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should not include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate these accounts properly after I asked you to do it TWICE and your neglect has violated my rights. I am demanding a deletion of the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request that you block and delete the inquiries listed below from my credit file pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, and these inquiries were fraudulently conducted in my name without my authorization. 
The fraudulent inquiries are as follows : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

My ex wife opened a credit card in my name without my knowledge and has been using it for the last 20 years. I just found out and contacting the credit card company to no avail. They will have NO authorization from me on file to have opened this credit card because I didnt do it. I need it removed from my credit report.
Product: Credit reporting

I 'm complaining against Equifax for their negligence in not making sure that my credit report is accurate after I have proven to them time and again that they are reporting these XXXX public records inaccuratey. I am including the letter that I sent to them as well as my credit report. Here is the body of my letter to Equifax : *you can see the public records section on page XXXX of the report XXXX XXXX XXXX I 'm including the proof that you have the date filed as a nonexistent " XXXX/XXXX/001 '' as well as the court that you have listed must be accurate which it is not - " XXXX ''? XXXX what? You also have no plaintiff! 

XXXX XXXX I 'm including the proof that you have the date filed as a nonexistent " XXXX/XXXX/0001 '' as well as the court that you have listed must be accurate which it is not - " XXXX count ''? I 'm also including the proof that this account is paid and that you are reporting a balance when it has been XXXX released and paid! You also have no plaintiff!
Product: Debt collection

I previously closed my cable vision account ( several years ago ) due to irregularities on my bill and sent in the old XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) cable box device. This was previously sent to corrections which I disputed and the collection was removed from my credit. Now recently, this old amount is owned by a new debt collector that goes by Enhanced Recovery Company ( ERC ) and is showing up again on my credit by a different collector this time. I have disputed this, yet again, through XXXX XXXX # XXXX and now taking further actions against these collectors to protect my credit. Please SOMEONE assist. The contact information for this collector is : ENHANCED RECOVERY COMPANY ( ERC ) XXXX XXXX XXXX XXXX, FL XXXX
Product: Debt collection

On XX/XX/XXXX I used the tool XXXX to view and print my credit report, at which point I noticed that the company Jefferson Capital Systems was reporting that I am indebted to them {$16000.00}. I have NEVER entered into any type of contract with Jefferson Capital Systems. On or around XX/XX/XXXX, I mailed Jefferson Capital Systems a certified letter requesting validation that I am contractually obligated to pay them. Said letter was to include : the name and address of the alleged creditor, name on file of the alleged debtor, alleged account #, amount of alleged debt, date that this alleged debt became payable and date of original charge-off or delinquency. Also, I asked whether the debt was assigned to a debt collector or purchased? As well as, the amount paid if it was purchased? Lastly, the agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor. 

On or around the end of XX/XX/XXXX, I received correspondence from Jefferson Capital Systems which included the following information : An account #, current creditor listing of Jefferson Capital Systems, JCS reference # which is the number listed on my credit report, the amount of debt listed as {$16000.00}. But, most surprisingly was the box listed debt description with the name " XXXX XXXX '', which is also the name listed as the original creditor on my credit report. 

I have NEVER entered into any type of agreement with XXXX XXXX. More importantly after several XXXX searches I have come to realize " XXXX  XXXX '' as a company, DOES NOT EXIST. 

Since Jefferson Capital Systems was obviously refusing to delete the blatant error of reporting that I owe them any amount of money, I sent certified letters to the three credit bureaus : XXXX, XXXX  and XXXX  requesting that if they could not verify the legitimacy of the information they were reporting on my credit report, they needed to delete it. 

I have been monitoring my report for changes ; To date XXXX  has deleted the reporting while XXXX  is reporting that they have verified the information and it meets FCRA requirements. And, XXXX  simply states the consumer disputes the reporting. Both agencies have also updated the original creditor to XXXX XXXX XXXX. 

The basis by which the reporting was probably deleted from XXXX  is because XXXX XXXX XXXX reported on or around XX/XX/XXXX that the account had been paid and closed with 100 % of the payments for that account being on time. With 0 % being left to pay on the loan. 

I am hereby demanding that Jefferson Capital Systems as well as both XXXX  and XXXX  delete the inaccurate information that they are reporting on my credit report. According to FCRA regulations which state : If inaccurate information is discovered in a consumers file, the consumer reporting agency must examine the disputed information, usually within 30 days. If the inaccurate information can not be verified, the consumer reporting agency has responsibility to remove it.
Product: Mortgage

I received a letter stating Wilmington Trust holds the note on my mortgage I believe this to be false, the originator of the loan is XXXX which went bankrupt a month after I closed on my home, currently it states they still own my XXXX mortgage yet XXXX XXXX XXXX serviced my XXXX mortgage.
Product: Credit reporting or other personal consumer reports

Submitted previous complaint with CFPB # XXXX. My specific resolution request was : Complete deletion of the account from all of the credit bureaus along with a copy of the 1099-C. 
The Executive Correspondence Team for Fortiva Retail Credit/XXXX XXXX XXXX XXXX  assured that the account was removed the bureaus. It has not been removed from XXXX. This was not a truthful statement. 

1.I responded in the previous complaint that it was not removed 2.I have tried to reach out to them over a span of weeks to get it resolved, yet they keep responding about another account even though I clearly outlined the correct account and sent them a copy of the complaint.

3.I called them and was promised a call back only to receive an email This was promised back in XX/XX/2024 and I have suffered damages and adversely affected by this not being removed and it is now XX/XX/2024. 

I have attached all of the documents validating my claims
Product: Credit reporting or other personal consumer reports

I went to XXXX XXXX XXXX of XXXX SC to trade in my XXXX XXXX XXXX that I purchased from them and was told that I would be on the family plan and get the perks that came with it. The dealership told me that they were unable to pull my Equifax credit report and I have called Equifax multiple times a day since Saturday XX/XX/XXXX and verified all of my information and lifted the freeze and fraud alert because I have been the victim of identity theft since XXXX when my identity was compromised from the IRS and has been compromised multiple times since then and twice again from the IRS. Equifax told me there is no reason that XXXX XXXX XXXX should not be able to see my Equifax report and even told them to call the business line at Equifax as well as email equifax.com/business to come to a resolution Equifax mailed me XXXX hard copies of my credit report and the dealership said they could not use those that it had to be pulled from their website. I am unable to see my own Equifax credit history from my equifax.com. So how am I to buy a car or purchase a home if no one or me can see my Equifax credit history. It seems that XXXX XXXX XXXX as well as Equifax are not concerned with my dilemma. I'm a XXXX XXXX of XXXX years and I XXXX XXXX my entire life but can not find anyone to help me get this issue resolved and get my life back Please help me. Thank you
Product: Payday loan, title loan, or personal loan

I was laid off in XXXX and was having issues making payments exactly on the due date to my Navy Federal Credit card. After being about 15 days late, Navy Federal took money from my checking account to satisfy the credit card. That caused all my other bills to bounce and required me to pay an enormous amount in insufficient fees. Ultimately, Navy Federal froze my account. I still have a Line of Credit balance attached to the checking account. Navy Federal makes it extremely difficult to make the payment to that line of credit. If I pay online or automated by phone, it appears that the payment is set up and then a few days later the ACH is rejected. If I speak to a customer service representative, they set up the payment and it is rejected. It is certain customer service representatives that have experience with this situation that know how to get the payment to actually take. Recently, I was 25 days late and on XX/XX/XXXX ( the day I got paid ) I called and made a payment. I asked the representative if he knew how to get the payment to my Line of Credit and he assured me that he did. Today on XX/XX/XXXX, I got an auto-generated email stating that the ACH was canceled. The account is now 31 days past due and will be reported to my credit. It is not my fault that that Navy Federal representative doesn't know the process and lead me to believe that my payment went through. I had to call back 2 times today to get to someone who can understand my situation.
Product: Mortgage

One XX/XX/XXXX I spoke with a customer service rep about assistance due to Hurricane Irma. I  sustained damage to my home and needed to make repairs without filing an insurance claim due to high deductible. I was offered to defer my mortgage payment for three months and have those three months just added onto the end of my mortgage term extending my loan time. I agreed to this and was advised I would have a new contract sent to me to sign and return extending the loan for three months. After two weeks I received a letter in the mail from SPS advising that I did not owe a payment for three months but on XX/XX/XXXX I had a balloon payment due which was in the total of four months of mortgage payments. I was extremely upset because this in not what I was offered or agreed upon. I also had already started having the repairs made to my home and had paid for them. I will not have enough money to make a balloon payment due to the expense of having my repairs made. I mean seriously how is this helping me financially? On XX/XX/XXXX I called and spoke with a customer service rep who was no help and then asked to speak with a supervisor. Supervisor could only apologize and advised that the customer service rep on XX/XX/XXXX told me incorrect information and he would be counseled by his supervisor. I was then told that on XX/XX/XXXX if I can not afford the balloon payment then I could then request for a deferment at that time and MAYBE I could be approved if not then I would need to pay the balloon payment. I explained that I wanted the deal that was originally offered to me and that I could not just live in limbo hoping to get a deferment after XX/XX/XXXX. These people are setting people up for failure! Horrible customer service and obviously DO NOT know what they are doing
Product: Debt collection

CREDIT SYSTEM INTERNATIONAL CLAIMS I OWE A {$39.00} DEBT Date Date Created : XX/XX/XXXX Date Debt/Collection : XX/XX/XXXX Amount of Debt : {$39.00} I ask the Debt Collection Company to properly investigate this debt and they have refused to do so which is in direct violation of the fair debt collection laws. If this company does not accept my dispute request then I will file a complaint with the FTC and the Attorney General 's Office of Texas. 

I am told by this Debt Collection Company that this Debt is in favor of XXXX XXXX XXXX XXXX. I'm not sure how this debt was created but this debt was not created by me.
Product: Debt collection

I received a letter dated XX/XX/2022 from a company I never did business with or ever gave permission to call/write or contact me with any form of communication. In the letter they erroneously stated that I owed an alleged debt, I was shocked, appalled and offended by their false allegations. I don't know how they obtained my private information but i did not give it to them so as far as i am concerned that is identity theft which I will be filing a complaint with the FTC about. As for now If they can not provide me with documentary proof that I gave them written permission to obtain my non-public information then they are to Cease and Desist all their Illegal activities, this goes for all their affiliates and any 3rd Party that they do business with.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are reporting incorrectly that I am an authorized user on the XXXX  XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Money transfer, virtual currency, or money service

Ive had to open several cash apps because cashapp TAKES my money!
Product: Vehicle loan or lease

XXXX XXXX I called the company to see how much it was to release the car after it was repossessed they told me XXXX and XXXX XXXX I paid about XXXX to get it out of repossession. I asked to speak with a supervisor they put me on hold and went voicemail I left a message no one contacted me as of yet. Looking for a clarification and a solution was so overwhelmed with that number I
Product: Credit card or prepaid card

Am a membership rewards member with American Express. Points have been frozen as my account is under review to make sure my purchases fall in-line with their guidelines.

On XX/XX/2018, I filed a complaint with CFPB. See, " CFPB Ref No : XXXX ''. American Express responded on XX/XX/2018 with a letter stating that all XXXX MR points have been released and are available for redemption and transfer. See letter, " Ref : XXXX ''. Called American Express customer service. Nothing they can do on their level.

Unfortunately, my points are still not usable as per letter. Filing a new complaint to get this resolved as soon as possible. This is my second complaint sent to American Express.
Product: Credit reporting or other personal consumer reports

I received record of late payment in XXXX, along with several harassing phone calls, after checking our bank records we confirmed that we had never been late and in fact had been forced to pay future payments. Ive filed XXXX claims so far and explained to WSFS bank reps that the payments have never been late. The reps acknowledge this but say they will have someone call me back. They have never reached out to try to resolve this and my credit has been impacted by over XXXX points, which inhibits new credit with other creditors.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made numerous attempts through phone and certified mail to resolve with the bureau. I have sent in multiple times proof of identity and residence. I have submitted this information XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX There are multiple detrimental fraudulent inaccuracies STILL reporting on my credit file. I have informed the bureau of myself being a victim of identity theft. I have requested original proof of verification as there is none to give me. The bureau has neither brought forth proof as inquires and the listed fraudulent accounts as belonging to me or being authorized by me yet they have failed to remove them from reporting on my personal file. Inquires include : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX does not belong to me, XXXX does not belong to me XXXX XXXX does not belong to me
Product: Mortgage

Hello my name is  XXXX   XXXX . This  is my story related to the loan for the house.Fuor years ago i did loan modification with  XXXX   XXXX   XXXX . Six months later loan been transfer to a Select Portfolio Cervicing Inc.From last year i have a another company  XXXX   XXXX   XXXX   XXXX .That company trying to selling my house on act ion two times.First time in last year, and second time couple of months ago.I 'm going to present a paper wor k wich is showing the new owners of the house after the action selling. This is a big crime for me and my family, because from this time we live in under a  XXXX . No one is informe officially with leather the house is going to be selling on auction. I 'm current with my mortgage payment and I do n't see the reason my house to be sell on action. I am so confused and I need to help how to get out from this situation. Thank you so much and I provide you my phone number to contact with me  XXXX   XXXX   XXXX .
Product: Credit reporting or other personal consumer reports

I filed a dispute on XX/XX/year> and XX/XX/year> for amounts of {$950.00} and the other in the amount of {$470.00} that do not belong to me. No actions was taken by either company of XXXX or service loan company.
Product: Debt collection

This co united collection bureau inc calls several times a day calling with 2 different numbers.