23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Me and my husband went on vacation to XXXX XXXX for our anniversary and new years. On XX/XX/XXXX I called M & T customer service to get my withdraw limit increased as I already was at my limit. I spoke with a man and he asked me security questions to verify myself and that it was my account. I answers all questions including the last four digits of my social, debit card number and last transaction. He was processing to increase my withdraw limit and then told me he couldnt. He didnt give an explanation he just told me that he couldnt after telling me he could. I got off the line with him and called back to speak to another representative as I didnt feel as though he was trying to help me. I spoke with a lady and I went through the same process. She was able to approve the limit increase. I went to withdraw money out of the ATM as I just got the limit increased. It didnt work after I tried multiple times. I went to another ATM and tried the same thing. I continued to get the same error message about my debit card. I waited until 12 which was new years and tried again. I still continued to get the same message. I called back again and spoke with a representative and I explained the problem I was having. I was informed then that my card was reported stolen. I asked how could it be reported stolen if I didnt report it and I just called and spoke with two different representatives to get my withdrawal limit increased. I was told by the representative that they are only the overnight team that I had to call back tomorrow morning. I called back the next morning which is now XX/XX/XXXX. It is now new years and the bank is closed. I waited on hold for 3 hours and 20 minutes before I talked to another representative and asked about why my card was reported stolen and if I could get the employee name or ID number she said she couldnt give me that information and put me on hold. The phone disconnected and hung up. I called back again talked to another representative and asked the same thing and she was able to provide me with the employee ID who reported my card stolen without my authorization which is ( # XXXX ). I stated that I am on vacation and dont have any money to be able to access as all of my money is in that bank account that I wouldnt even be able to eat or get back to the airport to go home. She gave me a number to call energy card service to see if they could help. They was not able to help as the only solution they had was to mail me out another debit where I was vacationing at and they did not have a time period of when I would receive that debit card. I was celebrating me and my husbands 7th year anniversary and new years without any access to any of my money out of state in XXXX XXXX and there was no M & T bank in XXXX XXXX that I couldve went to.
Product: Student loan

I have paid a good portion of my loans down and asked repeatedly for a change in the amount due as my income has dipped a bit. They have been unreasonable and are harassing me constantly, even when I still make the very high payments. If I try to pay a little less, my entire family receives phone calls asking for my whereabouts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I reached out to Equifax on dates XX/XX/21, and XX/XX/21. On XX/XX/21 I requested from Equifax a Method Of Verification and I did not receive a response from Equifax concerning my request. On XX/XX/21 I sent Equifax a letter stating that Equifax was not in compliance with my request for a Method Of Verification. I explained to Equifax that my request was a request as authorized by the FCRA 611 ( a ) ( 7 ) and that Equifax now had 15 days to respond to my request. Equifax has not responded to my request of providing me with a contract with my signature from the original creditor XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian RentBureau as a financial institution did not disclose to me my right to opt out of the disclosure of my nonpublic information. I was not given the opportunity to opt out the disclosure of my nonpublic information and I wasnt given any directions on how to exercise my right to opt out of said disclosure of non public information in accordance with 15 U.S.Code 6802 ( b ) ( a ) ( A ) ( B ) ( C ). Experian RentBureau is in violation of 15 U.S. Code 6802 ( b ) ( a ) ( A ) ( B ) ( C ) for failure to comply with these requirements. Remove my information from your company 's database or I will be seeking litigation.
Product: Payday loan, title loan, or personal loan

Had my credit pulled and saw a Rise credit loan on my credit report. Did not apply for the loan or receive funds for the loan.
Product: Credit reporting or other personal consumer reports

I was just checking my credit report and I noticed some unauthorized inquiries on my credit report. I HAVE NO IDEA WHY SO PLEASE CHECK THE DOCUMENTS I'VE SENT.
Product: Credit reporting or other personal consumer reports

XX/XX/scrub>XXXX XXXX XXXX  Dear Consumer Financial Protection Bureau, I am writing to express my extreme frustration and disappointment with the persistent inaccuracies on my credit report, specifically regarding my XXXX XXXX XXXXXXXX account, account number XXXX. Despite multiple attempts to dispute these errors with XXXX, XXXX, and Equifax, as well as XXXX XXXX XXXXXXXX, the problems persist. 

Specific Issues : Inconsistent Account Status : The Bank XXXX XXXX account is erroneously reported as both " Charged Off '' and " Never Late. '' Inaccurate Balance : The reported balance of {$150.00} is inconsistent with the {$450.00} written off. 

Misleading Payment History : The payment history provided is confusing and does not accurately reflect the true payment timeline. 

XXXX XXXX Reason : The stated reason for closure, " closed at credit grantor 's request, '' is inaccurate and misleading. 

These inaccuracies have negatively impacted my credit score and my ability to obtain credit, housing, and other financial services. I have experienced significant stress and financial hardship as a result of these errors. 

I have repeatedly contacted XXXX, XXXX, and Equifax to dispute these inaccuracies. Despite their claims of investigating and resolving the issues, the incorrect information remains on my credit report. I have also contacted XXXX  XXXX XXXX to address these discrepancies, but their efforts have been unsuccessful. 

This matter was part of a litigation case that I won against XXXX XXXX  XXXX. It was resolved in court, and I can not understand why these inaccuracies are still being reported on my credit report. XXXX XXXX XXXXXXXX wronged me, and a court of law recognized this. It is unacceptable that these errors persist despite the clear resolution of this issue in my favor. 

I am deeply concerned that the CFPB has failed to hold the credit bureaus accountable for their repeated failures to correct these inaccuracies. It is disheartening to see that the CFPB is not fulfilling its role in protecting consumers ' rights. 

I urge the CFPB to take immediate action to investigate these matters and compel XXXX, XXXX, and Equifax to correct the inaccurate information on my credit report, specifically regarding the XXXX XXXX XXXXXXXX account, account number XXXX. I believe that the credit bureaus ' failure to accurately report my credit information violates the Fair Credit Reporting Act ( FCRA ). 

Thank you for your immediate attention to this urgent matter. 

Sincerely, XXXX XXXX
Product: Student loan

I never recieved a bill for XXXX and was not able to pay online and when i did recieve a bill at the end of XXXX I was already late I am XXXX to date now but that was difficult and it still shows I am behind in payment. and was late.
Product: Mortgage

I have been paying biweekly for the last year and half. My payment is XXXX a month. I pay {$800.00} dollars every two weeks. I pay XXXX  from one Huntington account to another Huntington account. They have been charging me late fees and now have returned my check for the first time this month. They state they will not take partical payment even thought I pay more than expected each month.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has information on my credit report which is false. I tried to file the dispute on line and there was no ability to contact them. I need the information regarding student loans corrected and my credit report reassessed as soon as possible. I have not heard from anyone in the company since telling Transunion the information was incorrect. My credit score with Transunion is listed as a D. This has placed me in a difficult situation.
Product: Mortgage

I am in the process of obtaining a renovation loan with First Choice Loan Services Inc. I have paid for my appraisal and provided all of my financial documents for closing. They are now requiring me to pay {$490.00} for a Feasibility Study, this cost was not disclosed in my Settlement Statement I was told that it is an FDIC requirement, I told my loan officer that it was not in the settlement statement. But paid it anyways to not hold up the process.
Product: Checking or savings account

Bank of the West ran a promotion stating they would credit {$250.00} to my account if I had 3 consecutive months with direct deposits totaling {$1000.00} or more for each month. The terms stated only that they needed to be direct deposits from my employer, not that they needed to be ACHs. 

I had deposits totaling over {$1000.00} from my employer for each month of XXXX, XXXX and XXXX. For some of my payments, they paid me through my Bank of the West debit card, which are still direct deposits from my employer. The amounts for those payroll direct deposit payments were {$380.00}, {$430.00} and {$630.00} and I have corresponding payment history from my employer. 

I met the qualifications, however they have refused to payout the bonus. I appreciate any help you can provide. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I got many calls today XX/XX/2019 from the same number XXXX and the people even left a voice message on my phone saying that they are calling from the Social Security on the voice mail it clearly states that they have found some very supspious activity with my SSN, I called the number back to see what the call was about and I was told that I am in trouble for money landing and drug trafficking the person said that his name was XXXX XXXX, I asked for an agent ID number and he told me ( XXXX ) the man tried to get me to give him my personal information and I was not willing to give my information the man then processed to tell me that My bank account is n the process of being frozen/ seeazed and that there is a warrant out for my assest the man then started to asked my have I ever been to the state of Texas and if so when was the last time I been there I then processed to hang up the phone and that's when I started getting back to back phone calls from the number non-stop
Product: Student loan

Navient has only offered to give me a payment plan which would result in a payment I can not afford on a monthly basis. I 've tried to work with them to reset my debt back to what I took out. They only want a cash offer as a payoff. I pay them {$50.00} a month and my debt increase by {$1000.00} each month. What I owe is almost triple what I borrowed.
Product: Credit reporting or other personal consumer reports

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

I recently reviewed a copy of my credit report and noticed TransUnion reinserted XXXX Bank account # XXXX previous deleted material fraudulent accounts on my credit report.Please remove these accounts from my report, they are hurting my ability to obtain credit
Product: Debt collection

PROFESSIONAL CREDIT SE has put a collection on my account on my XXXX credit report. I do not know who this company is. I have never done business with them. They are causing me ongoing damage by falsely claiming I owe them a debt. They say I have a past due amount of {$640.00} past due. I do not have a contract with them on anything and they claim the original creditor is XXXX XXXX XXXX XXXX. I have paid my balance to XXXX XXXX XXXX XXXX. The account # is blocked, I can only see XXXX. This is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Requesting written instructions and power of authority and/or power of attorney to destroy the credit score/history reputation without consent and without the due process of law. 
( 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1692d ( 1 ), 15 USC 1681 ( a ) ( 1 ), 5th Amendment, 18 U.S. Code 242, and 18 U.S. Code 112 ) You also violated 42 U.S. Code 408 ( 8 ), 42 U.S. Code 3617, 18 U.S. Code 1038, 18 USC 1342 ( for assuming the XXXX name is the living man ), and 18 U.S. Code 1962 [ RICO ] ( 1028 )
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX  and XXXX  are all reporting bankruptcy on my credit profile. I've disputed this information they continue to report inaccurately without validating the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXX {$220.00} XXXX XXXX XXXX {$21000.00} XXXX XXXX XXXX  {$560.00} XXXX XXXX XXXX {$2000.00}
Product: Credit card or prepaid card

I applied and received a capital one platinum secured card in XX/XX/XXXX. I paid a deposit to my credit limit and was told that after six months my card would go under review to be unsecured and the deposit money would either be returned to me or put towards paying the balance on the account. In XX/XX/XXXX I called to find out about getting it unsecured and was told that anyone with 100 % payment history was being reviewed to become unsecured and I would hear from someone soon, and never did. 
Now two years later I have had one smallCredit increase and can not get anyone to talk to me about why or why not my card can be graduated. Today I spoke with a senior account supervisor named XXXX who told me that the secured card Component does not take phone calls or talk to anyone. And she had no answers for me except for Im not sure and Im sorry. I also have a second card with the same company, that was offered to me unsecured, no interest for the first year and a much higher credit limit to start and I have had that card just a few months less than the other one.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my final attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, XXXX XXXX Consumer Financial Protection Bureau I am writing to request the removal of unauthorized credit accounts and XXXX, XXXX and/or XXXX ) credit report. My credit that I did not authorize. Please remove any unauthorize information from XXXX XXXX XXXX is {$1600.00} also {$390.00} and this self financial for {$1600.00} with my name on it. None of these transactions was me. It was Fraud. I made a police report about these two accounts.
Product: Credit card or prepaid card

I paid off my XX/XX/23 to XX/XX/23 statement. The statement amount due was {$8000.00} and I paid {$8000.00}. I was charged interest of {$98.00}. 
The company informed me I need to go 2 months of have balances paid off without getting charged the interest fee. 
They should put that information up by the amount due area- " even if you pay off this balance we will still charge you interest '' Plus how do they calculate?
Product: Debt collection

Last year someone stole my wallet and I have all my identification inside. I never went to XXXX XXXX. I dont even have my diploma. I dont know what that they talking about. I never open student loan in XXXXplease take this down
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting an old Inquiry from XXXX XXXX dated XX/XX/2016 that is beyond the two year required length of time for it to remain on the report. I attempted to contact Equifax directly but they keep responding stating " Please be advised that inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor directly. " How do they know that the inquiry is indeed factual? The law is very clear on this matter, the information must be verified. It can't be shrugged off, they have to investigate the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had problems with Experian before so I filled with CFPB so Experian just canceled my product and when I restored it they said they need all this information and proof its me. I cant even do a dispute on line. I have to call in talk to someone that doesnt even speak good English and on and on. No for the last six months my report doesnt get updated. XXXX XXXX XXXX  had to send me my payment history. Experian said its reported right and XXXX XXXX said Experian is not reporting updated information because they are short staffed so they are a few months behind. Well thats great for adding higher interest rates. What a scam. Please investigate them. The owner needs to go to jail!!
Product: Credit reporting, credit repair services, or other personal consumer reports

On. XX/XX/2023. I received a email from U S. DEPT OF EDUCATION CONFIRMATION MY APPROVAL OF THE SWEET VS. CARDONA CASE. 
MY BURROWER DEFENSE APPLICATION WAS APPROVED WHICH MEANS TOTAL LOAN DISCHARGE {$14000.00} DEBT AMOUNT NEEDS TO BE REMOVED FOR MY CREDIT FILES WITH XXXX XXXX AND XXXX. IMMEDIATELY THANK YOU. Please review attached verification letters for ( 2 ) student loans PLEASE REMOVE ALL TOTAL DEBT
Product: Credit reporting or other personal consumer reports

I WOULD LIKE THE CREDITOR TO REMOVE INFORMATION FROM MY CREDIT REPORT. 

CHARGE-OFF DEBT IS TAXABLE INCOME AND CAN NO LONGER REPORT TO A CONSUMERS PROFILE VIOLATING 15 USC 1681 EB
Product: Debt collection

Please see case number XXXX. I continue to get calls. I called and asked to speak to a supervisor and he said he could not help me unless I gave him my SSN.
Product: Prepaid card

I purchased some tires from XXXX on XX/XX/year> using my cash app card for {$370.00} and I didnt receive them! I stated to the carrier despite they are stating delivered when I got home they were not there! XXXX XXXX denied responsibility as well as my card cash app! I filed 2 disputes submitting everything and was still denied! This company needs to be truly investigated all the bad reviews from customers stating the same issue or similar it is an issue denial of disputes when theyre valid claims And their unprofessional response to customers about their concern is whats their XXXX XXXX  or XXXX? How is that professional from a company thats so called a financial institution! Instead of really resolving the issue
Product: Credit reporting

I have been checking into my credit lately because I plan to purchase a house. I see on my credit report that Capital one has reported late payments. I have never had a late payment with them EVER. I have spoke to them and they keep referring me to a collection agency. I do n't know why I have to speak to someone in collections if my account was paid in full before I closed it. I want to keep all my financial business with one company and that 's why I closed the account.
Product: Debt collection

Around XX/XX/XXXX I noticed a {$17.00} collection report on my XXXX  report. I don't know what this is as I paid it a year ago, on time. I have never received a notice about this, it just showed up on the credit report. I have excellent credit ( used to be > 800 ) and pay all bills on time. 

I called the creditor 's number listed on the credit report and they show it as paid off XX/XX/XXXX. I have the credit card statement showing the {$17.00} amount. XXXX said they did not send this to collections. 

Their contact info : Phone : XXXX Toll XXXX Fax : XXXX Hours : Monday Friday, XXXX XXXX. XXXXXXXX XXXX Central Time From <https : //propath.com/home/contact-us/> XXXX was unable to help because there is " no collections record ''. 

I disputed twice with XXXX. 

On XX/XX/XXXX, case XXXX On XX/XX/XXXX, case XXXX And I just called into XXXX   to dispute a third time, this time the rep recommend disputing as not mine vs the {$17.00} amount. 

I'm stuck between a rock and a hard place on this as it's paid off and XXXX  says they can confirm it. I don't know who to turn to.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report, in violation of federal law. These items must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these items, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
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: Money transfer, virtual currency, or money service

I am writing to express my concerns regarding Zelles handling of disputes, particularly in light of the recent crib lawsuit highlighting significant issues with the platform. Despite using Zelle multiple times and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately. They told me tracking and recovering funds was impossible the cfpbs findings indicate that Zelle not only neglected to protect costumers but also let repeat offenders exploit the system leaving users vulnerable to scams.