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

I pay for credit monitoring through Experian. My main complaint is in the speed in which they change the status of my accounts. I have other companies, like XXXX XXXX, which is free, who have a better breakdown of my score and all my on time payments are visible. They also put more weight on the fact that I have never been late on my payments and every loan that I have ever acquired has been paid in full at some point without any missed payments. I have a joint credit card with my wife, and we have a few payments that automatically are paid using this account. The minute there is a balance on this account, it shows up almost automatically, and it swings my score by 5 to 10 points monthly. On average, I pay about $ 2k a month to get my credit cards back to where they were pre pandemic, but the balances take so very long to update, and in order for Experian to move a little faster, you have to pay to have it refreshed and even after, nothing changes. I have one account that has changed banks. XXXX is now XXXX. My XXXX account switched to XXXX. On my credit report now, it shows a balance of almost $ 9k on XXXX and {$8800.00} on XXXX. This is incorrect, as XXXX should be closed and show zero balance, as it does on almost all other credit reports that I have. The XXXX balance is actually {$7400.00}, again this greatly effects my credit score. If Experian can not communicate with the lenders and vice versa, they should not swing my score so wildly until all the information available is at their disposal in order to create more accurate scores. This is all so disheartening to all of us that pay our bills on time and have never missed payments, or filed bankruptcy or consolidated, etc. Experian XXXX is also an issue of concern. The app is not accurate and can not figure out what companies are utilities companies and or phone companies. I have had more than 20 straight years of successful utilities and cell phone payments and I have never been boosted. The sole parameter is for them to scan your account, but what they fail to understand is that your account is ACH debited, or funds come off you debit card, or directly taken out. XXXX can not recognize anything and is a completely unnecessary and useless tool for most of us. Its not a product that is easily used or explained to the consumer. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

these accounts don't belong to me. 
Please see below the list of accounts that are reporting derogatory on all credit reporting agencies : 1. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine.
Product: Mortgage

Every year Loan Care sends me letters saying that I don't have flood insurance, even when they have had proof of it every time they asked. Then they go an buy a insurance of my behalf which is about 2000 % the amount I actually pay for my actual flood insurance. They do all this without my approval and then charge it to my scrow. I have called them every single year about this issue and after a long process they " fix it ''. I believe they are doing this to other home owners and getting ridiculous amount of money on the process. This is totally wrong and they should be penalized for doing it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX # XXXX is reporting inaccurately on my credit. This was included in my chapter XXXX bankruptcy in 2016 and should not be an active collection on my report.
Product: Credit reporting or other personal consumer reports

I am writing to address a matter of non-compliance with the Fair Credit Reporting Act ( FCRA ) Section 609 by the credit bureaus. I submitted a complaint to the credit bureaus regarding inaccuracies in my credit report, as per FCRA guidelines. According to the FCRA, the credit bureaus are legally obligated to respond within XXXX days of submission. However, it has now been more than XXXX days since my complaint was filed, and I have not received any response from the credit bureaus. As per FCRA rules, this failure to respond within the stipulated timeframe warrants the removal of the disputed negative items from my credit report. I kindly request that the credit bureaus address this issue promptly and take the necessary steps to rectify my credit report in accordance with FCRAregulations. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Product: Credit reporting or other personal consumer reports

There are two bankruptcies being reported on my credit file listed below : XXXX  XXXX bankruptcy : REFERENCE NUMBERXXXX XX/XX/XXXX XXXX  XXXX bankruptcy : REFERENCE NUMBER:XXXX XXXX XXXX XXXX  When I reached out to the courts I was told they do not report to the credit bureaus.

The credit bureaus also stated they do not participate in the investigation of the disputes but fail to explain who does. Who is the source because the bankruptcy court isn't reporting these records.

Rule 9037 Protecting Privacy for Filings the credit bureaus have failed to protect my privacy.

Additionally, the Bankruptcy Court does not report, furnish, and/or transmit bankruptcy Court records or other information to the credit reporting agencies.

The bankruptcy court, for cause, may protect an individual, with respect to the following types of information to the extent the court finds that disclosure of such information would create undue risk of identity theft or other unlawful injury to the individual or the individuals property.

The credit reporting agencies independently obtain Bankruptcy case information.

RULE 9037 is a law in place to protect privacy filings to the public the purpose of credit reporting is for creditors to REPORT NOT THE CREDIT BUREAUS.

The credit bureaus are violating my privacy rights also being that I am a victim of identity theft they are putting me at risk.

I did not request the bureaus to report, furnish, and/or transmit bankruptcy court records or any third party information on my credit file. These bankruptcies are not being reported or validated by the courts.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX  Account Number : XXXX Account name : XXXX XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX  Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been the victim of identity theft the following inquiries were not authorized by me : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 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 XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to XXXX XXXX  XXXX, XXXX XXXX  XXXX, and XXXX/XXXX  XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service representative.
Product: Credit reporting 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. 
XXXX XXXX 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 XXXXXX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I currently have 2 cards with Barclays. A Rewards Mastercard and an XXXX XXXX Aviator MasterCard. 
Begining in 2022 I began noticing that information about my account was being changed on the web site. Phone numbers and addresses had been changed. I contacted Barclays about this, they said there was no problem. It must have been someont there that changed the information accidentally. All is good. 
Then I noticed a payment made on one of my accounts that I did not make. 
Called fraud division at Barclays, card canceled, new card on the way. 
Begining this year as soon as the new cards are issues, they are compromised. 
I can not access the web site since it is locked out. 
I have talked to many people at Barclays iincluding fraud and told them I only want statements mailed to my house and I will pay from them. Next day I get an email notification that all statements will be online. Now I can not access online, can't get through there terrible automated phone system since I do not have a current card, and I am not getting statements in the mail. Now they are hitting my credit reports.This goes on and on, and all I get is lip service from everyone I talk to
Product: Debt collection

I was enrolled on debt settlement program the agency made a settlement agreement to the debt collection agency XXXX XXXX XXXX XXXX XXXX the Settlement Agency paid the XXXX XXXX XXXX  By monthly basis in the amount of {$180.00} for a period of 12 months a total of {$2100.00} which the payment was deducted from the funds. the agency collected. this fund came from a disability payment of my husband from his military service the {$2100.00} already receive by XXXX XXXX XXXX it means the payment agreement already completed. the XXXX XXXX XXXX XXXX did not take an action to remove the charge off as bad debt to the Credit Bureau and just ignore everything because they already receive a payment on their behalf, I don't have communication with this collection agency at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCOUNTS ARENT MINE, NEVER AUTHORIZED THOSE ACCOUNTS TO BE OPENED. 

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

In response to Wells Fargo 's closure to my complaint ( ref # XXXX & XXXX & ) I'm again very displeased with the lack of accountability and total disregard of the financial harm inflicted on all victims of Well Fargo 's Pick-A-Payment mortgage loan that it so sanctimoniously stands behind and thereby supports. Once more Wells " special '' representative assign to review my complaint called on XX/XX//19 to inform me of her findings and again to my disappointment it was evident that she had investigated for closure rather than for fair and amicable resolve. I had to once again explain that the Modification once approved by then XXXX did nothing to provide any sustainable financial relief, but rather placed my outstanding payments due on the back of the loan with no interest rate or payment relief. When I went on to once again explain that by accepting the so-called " Modification '' the terms forfeited my rights to pursue any legal action ( have supporting documentation ), she seemed unaware and unfamiliar with my complaint and to the degree of Wells legal responsibilities.Please now be advised that I've hired the law firm of " XXXX XXXX XXXX  '' and in correspondence with my District Attorney XXXX XXXX for a full investigation, but keep standing behind this destructive loan product and the unjust decisions that were made along the way.
Product: Credit card or prepaid card

On XX/XX/XXXX, I purchased two tickets on XXXX XXXX for USD XXXX each with my travel rewards card ending in XXXX. I could not take this flight and even though XXXX was supposed to refund me, they never did. I disputed the transaction however you found XXXX was right and I lost the dispute. 
Recently, and due to the COVID-19, changes have applied. I contacted XXXX on XX/XX/XXXX and was told I would now be able to get my money back for this unused reservation. They also told me the process would take approximately 8 business days. Ever since then I have contacted XXXX with the tracking refund number XXXX and they have told me the transaction has been completed, however I still dont get my USD XXXX back. I also contacted XXXX given I paid though them, but they said I should contact you to see if maybe there might be a mistake given that the travel rewards card ending in XXXX was canceled for fraud a few days ago. 
I was told by phone I could now start a dispute with the refunds support which I am ataching to this communication. On XX/XX/XXXX Bank of America responded they had nothing to do with refunds so they couldnt process my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. 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. 

XXXX XXXX  XXXX XX/XX/XXXX {$660.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX  XXXX XX/XX/XXXX {$750.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX  XXXX XXXX XX/XX/XXXX {$280.00} XXXX XXXX XXXX XX/XX/XXXX {$730.00} XXXX XXXX XXXX XX/XX/XXXX {$1100.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX  XXXX XXXX XX/XX/XXXX {$9100.00} XXXX XXXX  XXXX XX/XX/XXXX {$830.00} XXXX XXXX XX/XX/XXXX {$630.00} XXXX  XXXX XX/XX/XXXX {$680.00} XXXX  XXXX XXXX XX/XX/XXXX {$420.00} XXXX  XXXX XX/XX/XXXX {$3500.00} XXXX XXXX XXXX  XXXX XX/XX/XXXX {$630.00} XXXX  XXXX XXXX XX/XX/XXXX {$2200.00} XXXX  XXXX XX/XX/XXXX {$650.00} XXXX  XXXX XX/XX/XXXX {$640.00} 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Credit card

I am a victim of fraud and mail theft. Discover alleged I have an outstanding charged off account that was opened in XX/XX/XXXX. They referred this account to XXXX XXXX XXXXXXXX XXXX. which is a law firm that specializes in debt collection. This law firm filed suit and a deputy from my local sheriff 's department delivered a Writ of Execution to my home in XX/XX/XXXX. XX/XX/XXXX is the first I have heard of this charged off account opened by a fraudster in XX/XX/XXXX. I have an active account with Discover in good standing that I opened in XXXX. I have no knowledge of any account with Discover opened XX/XX/XXXX. I promptly contacted Discover by phone and after being passed around to several representatives I was directed to their Customer Protection Security Department XXXX. The representative that assisted me in that department deemed the account from XX/XX/XXXX as fraud and updated my file ( screenshot to be attached ) to reflect that I have been a Discover customer since XXXX and not XXXX.
Product: Debt collection

I applied for XXXX University because I was working in a school and I need l CertificationXXXX. The admissions person ( XXXX XXXX XXXX XXXX ) reassured me that their program was accredited in XXXX XXXX  XXXX I had just moved to XXXX XXXX from XXXX XXXX so I trusted she knew what she was talking about. After completing and paying for one class with my finical Aid I discovered that XXXX University Education program was not an accredited school in XXXX XXXX. I was advised to withdrew ASAP and I was told my funds would be returned to Finical Aid and I was told I should have a bill, but then I get hit with a collection on my credit. Please see below. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2018, XXXXXXXX XXXX to Financial I withdrew from the university XX/XX/2018. please return loans to Department nof Education ASAP. Thank you On XXXXXXXX  XX/XX/2018 at XXXXXXXX XXXX  Financial Aid XXXX wrote : Hello XXXX, Thank you for contacting the XXXX University Office of Financial Aid. I am just following up on our phone call. Please send me back a quick message requesting cancellation of your XXXX awards and an update to the XXXX. As soon as I receive your email I will send the case over for review. If you have any further questions, please feel free to contact us at XXXX or XXXX ( XXXX ) and follow the prompts for financial aid. Have a great day! Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX University XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Toll-free : XXXX Fax : XXXX XXXX ** Please remember to monitor your email regularly for updates to your financial aid account. ** ref : XXXX : ref -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ( cell ) XXXX ( home ) Support Bot XXXX  XX/XX/2018, XXXX XXXX Hello XXXX, Sorry, but could you please send a new email requesting that they cancel the remaining award and update the XXXX? The wording is important here. - XXXX XXXX XXXX XXXX XXXX  XX/XX/2018, XXXXXXXX XXXX to Support Effective XX/XX/2018 please cancel XXXX awards and an update to the XXXX. -- XXXX ( cell ) XXXX ( home )
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting the Consumer Financial Protection Bureau in regards to an old account which is still appearing on my credit report in violation of FCRA Section 605 with all 3 credit reporting bureaus ( XXXX, XXXX and EXPERIAN ). The account in question is a XXXX XXXX   opened in XX/XX/XXXX. The partial account number is # XXXX ... 

I am contacting this agency after hearing about your effectiveness in forcing credit reporting bureaus to follow the law. I had previously written to them regarding other violations on my credit report but they had inaccurately validated them and I have been slowly fighting those accounts personally in order to have those creditors fix and or remove the inaccuracies and this process has taken a very big toll on my stress levels and it has not been easy. I am finally successful in getting those inaccuracies adjusted and would like to come to this platform regarding this XXXX account because XXXX XXXX refuses to open a new investigation for me because this card has been closed for over 7 years and it is past the statue of limitation and also because they no longer have my information on file. 

My complaint is that this XXXX credit card had its final payment made in XX/XX/XXXX. That is over 7 years ago and this account is still reporting to my credit report with countless lates and delinquencies, which is illegal. 
There are other inaccuracies as well. Experian, XXXX and XXXX   have incorrect dates for the LAST payment on this account and it seems illegally re-aged because it is showing that I made payments AFTER its closure in XX/XX/XXXX which I NEVER did. So, for some odd reason this account was illegally aged over 6 months when in actuality the FINAL payment was made in XX/XX/XXXX. This account should have been deleted from my profile completely in XX/XX/XXXX,  according to FCRA law. It has illegally been reported as being paid past its final payment and its closure and this is absolutely incorrect and damaging to my credit report. This account was settled in court in XX/XX/XXXX and I have had no responsibilities to pay them monthly since XX/XX/XXXX.
Product: Vehicle loan or lease

Again I reached out to this collection company about the car collection that's paid in full and email was sent to them showing proof it was paid off from XXXX. Been 2 months and still no reply to my emails and only reply was to the former complaint that they lied to. I sent the first email and waited 4 days and sent second email. Now 2 months have passed and no calls no emails and no information from this company. They didn't even have the information when the replied to the last complaint. I still have email record from XXXX that the loan is paid in full and will use it as proof of payoff
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns on zelle handling my dispute particularly in light of recent CFPB lawsuit highlighting significant issues with the platform. Despite using zelle multiple times and reporting discrepancies my financial institution and zelle failed to invistigate my claims adequately.they informed me that covering lost funds was impossible and that tracking these funds was unfeasible. The CFPB 's findings indicate that zelle has not only neglected to protect consumers but also has allowed repeat offenders to exploit the system leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Mortgage

Loan # XXXX - Gregory Funding, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Phone number - XXXX - they also have an address of XXXX XXXX XXXX, XXXX, XXXX XXXX My real estate taxes are escrow-ed and are due on XX/XX/XXXX of each year. According to the XXXX XXXX XXXX XXXX in the XXXX XXXX  XXXX my real estate taxes have not been paid and are accumulating interest. I have tried since XX/XX/XXXX to get thru to their customer service line and can not get thru, they keep giving a ridiculous number of people ahead of me. Today when I called again I was number XXXX in line to speak to an agent. I have written to them, faxed them, uploaded a letter to my account and have received no response. If they have paid my taxes they need to address this with the XXXX XXXX XXXXXXXX. If they have not paid them, they need to be paid immediately and include the interest payment which brings my tax balance, as of today, to {$2400.00} and growing. I believe that interest is assessed monthly. I have never before had a problem getting thru to this company and am concerned. I would appreciate your assistance in resolving this.