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

There is an item that Portfolio Recovery Associates is reporting to all 3 credit reporting agencies on behalf of a debt for XXXX  XXXX in the amount of XXXX dollars that is more that XXXX XXXX XXXX. I don't even know if the debt is mine, but I haven't done business with XXXX XXXX in more than XXXX  years. By law, this debt it too old to be on my credit report. They are reporting that this debt started to become delinquent in XXXX of XXXX. There is no way that this is possible. I disputed this in XXXX of XXXX and XX/XX/XXXX and they continue to lie about it. Each month they reporting that the account became delinquent that month.
Product: Credit reporting or other personal consumer reports

ALLY XXXX sent me a pre-approved credit offer in a letter based on my current credit score. I am trying to fix my credit and have gotten my score up so I responded. They mislead me to think I had already been approved for the credit card and so I scanned the QR code, then got a rejection for this card and the credit reporting bureau dropped my credit score by XXXX points throwing me back to a bad status. 

I am trying to fix my credit and Ally deliberately hurt my efforts in doing so. I can not reach anyone at Ally to stop this false advertising.
Product: Credit reporting or other personal consumer reports

I previously notified Experian of unauthorized inquiries on my credit report and submitted an FTC Identity Theft Report as supporting evidence. However, Experian responded by stating that the inquiries were verified, yet failed to provide any explanation or proof of how this verification was conducted. Under the Fair Credit Reporting Act ( FCRA ), inquiries must have a permissible purpose, such as for employment, insurance, a court order, or a firm offer of creditnone of which apply in this case. Furthermore, in XXXXXXXX XXXX XXXXXXXX, the court ruled that credit reporting agencies must conduct a proper and reasonable reinvestigation of disputed information rather than simply relying on automated responses. Given Experians failure to properly verify these inquiries, I formally request the immediate removal of the following inquiries within 7 days : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, XXXX made a Retail Inquiry by checking my XXXX  Credit File . I did not apply for any store credit cards through XXXX. 

On XX/XX/2024, CAPITAL ONE/XXXX  made a Bank / Credit Card Inquiry by checking my XXXX  Credit File . I did not apply for any store credit cards through Capital OneXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 a account without my written instructions
Product: Money transfer, virtual currency, or money service

I am writing to formally address my concerns regarding Zelles dispute resolution process, particularly in light of the recent CFPB lawsuit that exposed critical shortcomings with the platform. Despite frequent use of Zelle and reporting discrepancies, my financial institution and Zelle failed to conduct a thorough investigation into my claims. I was informed that recovering lost funds was not possible and that tracking these transactions was beyond their capabilities. The CFPBs findings highlight Zelles failure to adequately protect consumers, enabling repeat offenders to exploit the system and leaving users susceptible to fraud.
Product: Student loan

On XX/XX/XXXX I received notice by mail that I was granted both an Administrative Forbearance with a begin date of XX/XX/XXXX, and General/Temporary Hardship Forbearance with a begin date of XX/XX/XXXX, and I was also told by phone that my loan was granted deferment. As of today my loan has not been reported to the credit reporting agencies correctly. It still shows late payments on my loan and I have written AES to address this and made numerous phone calls without any progress. I am going to send a copy of my forbearance results along with the portion of 15 USC 1681 that states having these missed payments on my report is incorrect.
Product: Vehicle loan or lease

I have contacted Exeter Finance LLC about the bill ariving after the due date. 
Some times as much as 15 days late and get told tuff luck pay the bill and penalty. 
They are rude and threatining about it.
Product: Debt collection

I received an affidavit from Nathan and Nathan P.C. back in XXXX stating that I owed XXXX XXXX XXXX. I was not aware of my rights at the time, so I didn't request validation. I contacted Nathan and Nathan P.C. to set up payments for the alleged XXXX XXXX debt. although it had been charged off. I ended up making two payments in the amount of XXXX around XX/XX/XXXX and XX/XX/XXXX. In XXXX XX/XX/XXXX I received a letter from Nathan and Nathan P.C stating that if I was going to receive a tax refund, I should consider payment and if I choose to pay, they will give me a deal instead of paying XXXX I can pay XXXX. I never responded to the letter. XXXX XXXX I was at work on payday and checked my account and noticed that my check was really short. I began to do my research at work and found a letter in my email stating my job received a letter from the courts to garnish my wages 25 % I was devasted to say the least. I then called the courts to see what my options were because I could not survive off the amount that was left to take care of my family. The courts directed me to do a slow pay where I can go in front of the judge and tell him what I can afford. XX/XX/XXXX the judge allowed me to pay XXXX/month for 6months and in 6months he instructed me to come back to see if my financial situation was better so that I can pay more. XX/XX/XXXX, I sent Nathan and Nathan a debt validation letter along with a cease and desist. XXXX, I received a letter from XXXX XXXX  stating that they investigated my account and found that no fraud had been found on my account and that they have not made any adjustments and if I have any question to contact the third party that handles the account. which lead me to believe that Nathan and Nathan P.C. reached out to XXXX  XXXX after they received my debt validation letter. they are trying to cover their tracks. yet I still haven't received validation from them as of yet and it has been over thirty days however, I did receive the green certified card back that I sent along with the letter, so I know they received the letter but have not responded.
Product: Checking or savings account

First Horizon Bank was/is running a new account sign-up bonus of {$450.00} with the following terms : Maintain a {$5000.00} average daily balance over the first three ( 3 ) full statement cycles.

Conduct a minimum of ten ( 10 ) qualifying client-initiated transactions for each statement cycle for the first three full statement cycles. A qualifying client-initiated transactions may include deposits, checks paid, ACH items, and signature and PIN-based purchased made with a First Horizon Debit Card.

The cash bonus will be deposited into your account within ten ( 10 ) business days after qualifying activities are met. Bonus will only be paid to open accounts with a posive balance. 

I opened my account in branch on XX/XX/year> with a deposit of {$50.00}. I then made a deposit of {$5000.00} on XX/XX/year>, bringing balance to {$5000.00}. I have maintained a daily minimum balance of > {$5000.00} for the period since, and have made the required ten ( 10 ) debit card purchases per month for the last three ( 3 ) full statement cycles.

All monthly statements are attached.

I have reached out to support through the app, and they are " unable to provide assistance '' and to " reach out to my local branch ''. I visited my branch, and they informed me they couldn't see status on their computers, but would " reach out '' to the new accounts team. Since then, I have had no further details from First Horizon.
Product: Credit reporting or other personal consumer reports

My correct address is the following is : XXXX XXXX XXXX XXXX SC XXXX I have never resided at the following addresses, please delete them : XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX
Product: Checking or savings account

I scheduled a transfer of {$2000.00} ( online, via the Capital One website ) from my Capital One 360 online savings account into my linked personal checking account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX. It posted on XX/XX/2023 and the amount was deducted from my Capital One 360 savings account. It said 1-3 business days for funds to be available. No funds have shown up in my XXXX XXXX checking account. On XX/XX/2023, I called XXXX and they can find no evidence of the funds anywhere and stated it was an issue on Capital One 's side. ( They also stated this is a " pervasive problem '' with Capital One. ) So I contacted Capital One the same day. I first spoke with XXXX, who blamed my credit union and then transferred me to XXXX. My understanding is that XXXX filed a dispute claim ( but she kept putting me on hold as there seemed to be some problem with the system- the call lasted XXXX minutes ). She stated that the claim number and status updates would be sent to me via email, and a resolution should be forthcoming within 45 days. It is now 3 days later and I have not received any claim number or any acknowledgment of my complaint/issue ( though they did send me a survey, so they clearly have the correct email address ). This is a nightmare scenario where both companies blame the other and I am out the {$2000.00} with no written acknowledgment or confidence in the system handling the issue.
Product: Credit card or prepaid card

On XX/XX/2022, Citi bank decided to close 4 of my credit cards accounts. Citi XXXX card ending with XXXX, with a credit limit of {$74000.00} and Citi XXXX preferred card ending with XXXX with a limit of {$25000.00}. My Best buy Credit card with a limit of {$38000.00} and Macy Card with a limit of {$15000.00} Approximately. I have been with Citi bank on average of 7 years. I Haven't committed any fraud or had issues pertaining to fraud with Citi bank. I have always paid my bills on time as expected and have never had any type of issues with Citi Bank whatsoever. Why my account was closed is still a sad mystery to me and I did try to reach out to Citi bank to ask why my account was closed after years of many scarifies and struggling to build a solid credit history and foundation. I called at different occasions ; nobody was willing to give me a reason why my accounts were closed, because am quite sure they had none. After weeks of relentless efforts, I got through to someone who told me to write a letter to find out why my account was closed. I wrote a letter asking why my account were closed, only to receive a letter that was vague and had no specifics. This is a big slap on my face, you are told to do everything right, and only to receive this type of slap in the face for doing the right things. This is tyranny. I don't know who else to turn to for help. They haven't given any specific reasons, and there is no just cause for taking adverse action against me, and I feel discriminated against. Under the Equal Opportunity Credit Act, a bank can't discriminate against you based on race, color, religion, nationality, gender, age, or good faith exercise of any rights. Their actions obviously are very discriminating to me, because the bank is very quick to give reasons in their letters while certain actions are taken. In a case where the bank writes a letter and can't give you specifics, or specific reasons why certain actions are taken, it's obvious this is discriminatory action taken against me. To make matters worse, I do not even know if a can open a new credit card with Citi bank, if after how many years of relentless efforts from me and they discriminate against me, how can I guarantee that this same type of discrimination wouldn't happen again to me?
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

CFPB Complaint against XXXX XXXX XXXX : XXXX XXXX, XXXX : XXXX ; XXXX : XX/XX/XXXX XXXX  The CFPB complaint has been filed to request pursuant to FRCA 605B ( U.S.C. 1681c-2 ) that you, XXXX, Experian, XXXX XXXXn reporting agency , block/remove information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following accounts need to be deleted : 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 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Dispute of Inaccurate Credit Reporting by Credit Management LP - Account No. XXXX Dear [ Recipient 's Name ], I hope this letter finds you well. I am writing to formally dispute the accuracy of an item on my credit report, which has been reported by Credit Management LP. The information pertains to an account with the original creditor XXXX XXXX, with the account number XXXX. The details of the disputed item are as follows : Balance : {$400.00} Balance Updated : XX/XX/2023 Original Balance : {$400.00} Date Opened : XX/XX/2023 Account Type : Collection Account Status : Collection account. {$400.00} past due as of XX/XX/2023. 
Status Updated : XX/XX/2023 I firmly believe that there are violations of consumer protection laws and the XXXX XXXX Reporting Guidelines in the reporting of this account, and I am writing to formally request an investigation into this matter. The inaccuracies and violations I have identified are as follows : Lack of Verification and Validation : According to the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), I have the right to request validation of the debt and verify its accuracy. I have not received proper validation and verification from Credit Management LP regarding the debt in question. 

Inaccurate Reporting : The account is being reported as " Collection account. {$400.00} past due as of XX/XX/2023. '' This statement is misleading and inaccurate, as the debt has been fully paid off and has a balance of {$0.00}. The reporting is in direct violation of FCRA, which mandates accurate and up-to-date reporting of consumer accounts. 

XXXX XXXX Violation : The XXXX XXXX XXXX Guidelines are designed to ensure accurate and consistent credit reporting. The reported information is not reflective of the true status of the account and is therefore in violation of these guidelines. 

These inaccuracies and violations have a significant negative impact on my credit history and financial well-being. I kindly request that you conduct a thorough investigation into this matter in accordance with the FCRA and other applicable consumer protection laws. During the investigation process, I ask that you take the following actions : Contact Credit Management LP and request that they provide documented evidence of the debt, including verification and validation of its accuracy. 
Verify that the reported account information is compliant with the XXXX XXXX Reporting Guidelines. 
Update my credit report to reflect the accurate and correct information regarding the status of the account in question. 
I am providing copies of relevant documentation, including payment records and correspondence with Credit Management LP, to support my dispute. I trust that you will promptly address this issue and provide a resolution in accordance with the law. 

I would also like to bring to your attention the specific consumer protection laws and guidelines that pertain to this dispute : Fair Debt Collection Practices Act ( FDCPA ) Fair Credit Reporting Act ( FCRA ) XXXX XXXX Reporting Guidelines
Product: Credit card

I made a double payment on my credit card and Bank of America will not refund my second payment. Also, the account is in a negative balance. Also, I submitted a dispute with a receipt showing a refund and the will not process a temporary credit required by Reg E.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX filed a claim for breach of contract in the amount of {$340.00} on XXXX of XXXX. I contacted XXXX XXXX XXXX an informed them that I never signed a contract with their company and as such would not pay this amount. 
I paid for all oil that was delivered XXXX was unable to provide a signed contract Sunrise Credit Service Inc XXXX XXXX XXXX XXXX, NY XXXX contacted me by mail dated XX/XX/2021 demanding {$420.00} for XXXX XXXX XXXX XXXX XXXX I sent a written response on XX/XX/2021 stating that I never signed a contract for oil delivery with XXXX and would not pay this bill I was contacted again by telephone and informed the caller that I had already responded by email and he said that he would make a note in the file XXXX & XXXX XXXX sent me a letter dated XXXX XXXX for collection of {$420.00} For XXXX XXXX XXXXXXXX I am under the belief that this must be the XXXX Heating claim I do not owe this money and I will not waste more time responding to these claims
Product: Credit reporting, credit repair services, or other personal consumer reports

The student loan company XXXX XXXX XXXX has giving me incorrect information about student forgiveness program. In XX/XX/XXXX I was told I would have a grace period and not make payments till XX/XX/XXXX. I missed payments XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX because given the wrong information. I have never missed a payment before that or was I late. I tried to dispute it but they denied it which is unfair. It hurt my credit very much and I would like a second opinion. This was not my fault.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL, XXXX XXXX XXXX XXXX LVNV FUNDING LLC Subject : Identity Theft - Account Number XXXX To Whom It May Concern, I am writing to address an account that has been reported as a collection/charge-off on my credit report, which I believe to be the result of identity theft. I recently became aware of this account and the associated negative impact on my credit history. 

Account Information : - Account Number : XXXX - Original Creditor : XXXX XXXX XXXX XXXX  XXXX - Date Opened : XXXX - Current Balance : XXXX - Status : Collection/Charge-Off I wish to dispute the validity of this account based on the fact that I have been a victim of identity theft. I have taken immediate steps to report the identity theft to the appropriate authorities and have obtained a copy of the relevant police report as supporting documentation. 

I kindly request that you investigate this matter and remove the account from my credit reports with XXXX and XXXX. As a victim of identity theft, I have taken the necessary actions to rectify the situation and protect my financial well-being. 

Please provide written confirmation once the account has been removed from my credit reports. Additionally, I request that you provide any guidance or documentation necessary to facilitate this process and ensure the prompt resolution of this matter. 

You can reach me at XXXX or XXXX to provide further instructions or to discuss this matter in detail. I am committed to resolving this issue and appreciate your cooperation. 

Thank you for your immediate attention to this important matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

On XX/XX/2022, I went to JP Morgan Chase ( Branch # XXXX ) XXXX  XXXX XXXX located at XXXX XXXX XXXX, ME, XXXX XXXX, XXXX, GA XXXX, to deposit a check in the amount of {$92000.00}. I specifically told the young lady greeting me that I wanted to open a savings account. She introduced me to Chase Private Client representative, XXXX XXXX XXXX. XXXX XXXX looked at my Chase accounts and informed that I already had a savings account, so I requested XXXX XXXX to deposit the funds into that savings account. When I left the bank I noticed that the check had been deposited into my checking account ending in XXXX. I immediately contacted XXXX XXXX about the error and requested he correct it ASAP. He informed me at that point it was too late. I informed XXXX XXXX I requested the funds to be deposited into savings for tax purposes. He inquired if the check was " income ''. Although this was no business of his, I told him it was not income. However, why should I need to explain where my funds come from? What makes a Chase representative think they can determine whether a customers funds should be deposited into a banking or checking account? This is another perfect example of the hazards of 'Banking While XXXX '. There appears to be a double standard when working with XXXX American consumers. This must be stopped immediately.
Product: Mortgage

Hi, last month I filed another complaint against carringtonm mortgage services llc, last month after I received the home insurance premium, I contacted carringtonm M S LLC., to get the new analysis, they told me that the new payment will be {$350.00},, last year the home Insurance premium was almost the same as this year and I paid every month the same amount, but today XXXX I received another different analysis for {$400.00}. On XXXX several times I called carringtonm and they told me that the new analysis will be the same as last year, about {$350.00}. Every year I have to file a complaint against carringtonm because they do the same tricks and trying to get more money. Last complaint was because carrington didn't wait the 30 days period for me to pick a different insurance, so I did it, then the house payment went down, but this month they increased again. Carringtonm mortgage services llc XXXX fax : XXXX. 

I
Product: Mortgage

XX/XX/XXXX I went inside the branch to make my mortgage payment using a bank cashier check.

Long story short, as of XX/XX/XXXX ... XXXX XXXX XXXX dont see a payment. Called multiple time and I keep getting different answers. A few Agents said they see XX/XX/XXXX payment it will post soon and a few of other agents says they dont see the payment or havent received it.

XX/XX/XXXX I received a late fee charge but it was credited back because Im safe for 60 days.

2 months in with this dumb company and still cant get it resolved. Worst customer service and worst customer experience.

So the XX/XX/XXXX payment is no where to be found. I still have a copy of my XX/XX/XXXX Payment Cashier check. Processed my payment for XX/XX/XXXX ( which was posted for XX/XX/XXXX ).

Before XXXX XXXX XXXX, there was XXXX  before they merged/bought out. It says it will take XXXX XXXX XXXX up to 45 days to catch on to XXXX  system which ... the days have passed.

Need to get their XXXX  straight.