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

NCTUE has wrong information ( former name and address ) on my report. I am unable to reach anyone to make a request for a revision and I am unable to make a request for a copy of my report. I placed a security freeze on my account on XX/XX/22 and they provided me with a written confirmation with my former address on it. This mail is going to be delivered to an address that I haven't resided at for 6+ years and will include by personal PIN for my security freeze!
Product: Student loan

Mohela is not correctly updating my PSLF information. They are using the date I signed the application as my end of work date. I am still employed and had no miss in employment with the company. They are misrepresenting the dates to not honor the number of payments that have been made. I have been employed with the government agency since XX/XX/XXXX to current. They are showing an end date of employment of XX/XX/XXXX the date I signed the application. They are only honoring 9 PSLF payments and there should be several years of payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

i am a protected consumer. i know my rights. i certify that this request to block was made not in error, my request to block information was not based on a material misrepresentation, and i did not knowingly obtain or should have known that i obtained possession of goods, services, or moneys as a result of XXXX or more of the transactions that i am seeking to block. under XXXX u.s. code XXXX you must block all fraudulent accounts. since i attached my form of id, and social security card, this complaint lists someone that your company should recognize as their customer or their customers authorized representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

We have a mortgage on our home through XXXX XXXX  in XXXX. Over the past 15 months ( XXXX XXXX- XXXX XXXX ) they have reported my monthly mortgage payment past due 30+ days XXXX ( XXXX ) different times, and I can prove with bank statements that the house payments have been were automatically drafted from my bank account by XXXX XXXX  directly within the first 15 days of every one of those months. I have tried three different times to contact XXXX XXXX  directly, but they have failed to correct these reporting errors. Our credit scores have fallen drastically down into the 500s as a result of these inaccuracies on our credit reports, which has added a great amount of stress to our household. We are requesting that these negative marks be DELETED IMMEDIATELY. 
Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

Fraudulent XXXX XXXX credit card appearing on credit reports
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXXXXXX XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX  XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX Accounts # XXXX, Account name : XXXX XXXX XXXX  Account # XXXX, Account name : XXXX XXXX XXXX # XXXX, XXXX  XXXX  Account # XXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following Items of information Any other adverse item of information. other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following Companies has violated my rights : XXXX XXXX XXXX XXXX  stores Acc # XXXX XXXX ) XXXX  Acc # XXXX XXXX XXXX XXXX XXXX XXXX  Acc # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX ) XXXX XXXX XXXXy Acc # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Acc XXXX XXXX XXXX ) XXXX XXXX XXXX ACC # XXXX XXXX ) XXXXXXXX XXXX XXXX ACC # XXXX - XXXX XXXX ) XXXX XXXX XXXX ACC XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Acc # XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX ) XXXX XXXXXXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/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 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 XX/XX/XXXX 15 U.S.C 1681 Section 602 A ; States that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 ; also states ; A consumer reporting agency can not furnish any account without my Proper written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account was noted on my account as a chapter XXXX bankruptcy and when I requested XXXX XXXX to fix this issue with the credit bureaus they stated that they informed all three credit bureaus that the account is closed, Per Transunion and XXXX and XXXX the account is still noted with an error with a remark and comment saying account was included in bankruptcy when it was not. XXXX refuse to send me a letter stating that the account was reported in error and that it is closed so that I can forward the letter to the credit bureaus for them to report the information correctly on my credit report. this is for account to which I had a XXXX credit card that was closed by XXXX on XX/XX/2017
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX XXXX  who is the one who reported on my credit. They said they charged off the account it was sold off to XXXX. XXXX sent me something in the mail to settle the debt with a one time payment which I paid XX/XX/XXXX. I then filed a dispute with Experian to get it fixed. XXXX XXXX  rejected my dispute, so I then sent more information to Experian. Documentation from XXXX showing the account from XXXX XXXX was paid and I now have a XXXX balance. XXXX XXXX refused to still update my credit, saying I still owed the money. I should have just kept my money if I knew they were going to do this. You would thing Experian would see that it was paid and fought harder to get it taken care of but they arent either. XXXX XXXX  is still hitting me credit as of XX/XX/21 with negative feedback. I dont know what else to do!
Product: Credit reporting or other personal consumer reports

I entered into a settlement agreement with Bank of America to make a payment of {$350.00} to settle my charged off Bank of America credit card and show as settled 'in full ' for less than full balance. I made a payment on XX/XX/ and received confirmation XXXX XXXXXXXX  After reviewing my consumer credit report I see that they posted the amount paid, however there is still a balance showing. The purpose of settling the account with them was to show as settled in full with a {$0.00} balance. According to Bank of America they will not reflect a XXXX balance. I feel as if they did a 'bait and switch '. I was never notified that there would still be a balance showing on my credit report. When I entered into the agreement with the agent it was with the understanding that I was settling the credit card account out for less than the full balance to reflect, but the purpose of the settlement was to reflect a {$0.00} balance on my consumer credit report. When I spoke to Bank of America they continue to use verbiage regarding their disclosure statement as a way to cover up their mishandling of the account. Not once in their disclosure does it state that a balance would still reflect on my credit report. I feel as if they lured me into a settlement agreement under false pretense in order to collect a payment on the balance however their actions appear to be fraudulent. I would like for my credit report to be updated to reflect a {$0.00} balance.
Product: Credit reporting or other personal consumer reports

This reflect complaint about XXXX XXXX XXXX XXXX XXXX XXXX XXXX, their debt collection agency handling account ending in XXXX. I am extremely concerned about how both companies have handled my account and their failure to comply with both federal and state laws. Below are the issues experienced : XXXX. Failure to Provide Debt Valuation On XX/XX/year>, I sent a letter to XXXX, XXXX XXXX XXXX requesting a full breakdown and valuation of the debt. As of XX/XX/XXXX, no response or the requested documentation have been received This violates the requirement for creditors to provide accurate account details when asked. 
XXXX. Multiple Disputes to Credit Bureaus Ive submitted several disputes to the credit bureaus, asking for a breakdown of the account balances. Despite this, neither XXXX nor XXXX has provided any clarification, nor have they taken action to correct the errors. Their failure to verify the debt is unacceptable. 
XXXX. Violation of Consumer Protection Laws The actions of XXXX, XXXX XXXX XXXX and XXXX have been unfair, deceptive, and abusive, violating both the Fair Debt Collection Practices Act ( FDCPA ) and Floridas Consumer Collection Practices Act ( XXXX ). Theyve failed to verify the debt, misrepresented amounts due, and havent provided adequate information to support their claims. 
XXXX. Misleading Account Information The amounts listed on my credit report dont match the figures provided by XXXX XXXX which is damaging my credit score. Ive received no explanation for these discrepancies. 
XXXX. Violation of Privacy I have not agreed to any contract with a third-party collection agency, nor have I authorized XXXX, XXXX & XXXX to act on my behalf. Their involvement in this matter is a clear violation of my privacy rights, and I did not consent to this third-party collection effort. This unauthorized handling of my account is an infringement on my personal and financial privacy.
Product: Debt collection

This was a lease vehicle that was returned and fully covered. During the time I contacted XXXX when they stated this was due as per the tires and I was told it would be corrected that it was a mistake in the system as I paid for full coverage of all wear and tires within my lease agreement return.
Product: Credit card or prepaid card

I paid for a used  XXXX     XXXX   XXXX    and paid {$6000.00} all cash so I own the car outright. The document I submitted is a " WE OWE '' the customer document that clearly states my terms for purchasing the car that I negotiated..which is to have the car be fixed so that I can lock and unlock electronically.     I purchased the car on  XXXX   XXXX ,  XXXX . It is now  XXXX   XXXX ,  XXXX  and my car has not been fixed and all correspondence has ended between  XXXX   XXXX  ( the employee who sold me the car ) and myself.     I have email correspondence with  XXXX   XXXX  ( that I could not send electronically to you since you do not accept email as a way to upload a complaint ) that shows on 4 occasions that he said he would get the car fixed because his  manager a pproved the car being fixed and gave him a budget to get it done. Yet, 2 weeks later the car is not fixed and I do not have my car.     Please allow me to email you our correspondence so that you can see this is fraud and I can get my money back and you can go after   XXXX   XXXX   XXXX   with the all legal powers you have. They are no longer responding to my emails or phone calls.     Thank you.
Product: Debt collection

I closed an account because I can no longer pay on the account now or in the foreseeable future. I relieve Social Security XXXX now and I have sent the creditor a certified ( Letter, see attachments ), mail asking them to cease and desist from phone calls, emails, texts, snail mail regarding the closed account. They continue to break the law in accordance with Consumer Financial Protection Bureau Federal Law, ( See federal code in attachments ). I am prepared to file a cause of action against Sams Club/Synchrony Bank in XXXX XXXX Federal Court if they persist in trying to contact me... for account number XXXX.
Product: Money transfer, virtual currency, or money service

I am to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety. 

XXXX XXXX
Product: Mortgage

My mortgage company is Valon Mortgage. My escrow became delinquent in XX/XX/XXXX and my mortgage company did not notify me until XXXX of XXXX. They want an additional {$360.00} to cover this shortage. I am a single mother who can't afford my mortgage payments to increase that much. I can barely afford what I pay now. I called 4 times and left messages with no return call. Finally I was able to speak to someone about my escrow issue on my 5th phone call. I wanted them to put my delinquent escrow amount of {$4000.00} to the end of my loan. They will not do that. They said I could spread my payments over the course of 24 to 36 months. I can't afford the extra amount. I request I would like a manager to call me back on XXXX, XXXX and to date no one has called me back. I could have made arrangements last year when my escrow account was delinquent {$200.00}. I have been working on this for 4 weeks now with no resolution. Not even a phone call. I am hoping by talking this step I can get some resolution with this problem. 
Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX, XXXX, 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  Balance : {$330.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX  Original creditor XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX SXXXX Inquired XXXX XX/XX/XXXX 2023
Product: Debt collection

I have been getting constantly harassed by the company whom goes by the name " Atlas Credit CO. , INC. ''. They've used aggressive and illegal tactics by showing up to my home and banging on the door ( a neighbor witnessed this through the peep hole ) This is a direct violation of the " Fair Debt Collection Practices Act '' section 806 Harassment or abuse.
Product: Credit reporting or other personal consumer reports

The following company JP morgan chase bank is currently showing on my credit report with XXXX, XXXX, and XXXX, as a credit card with a limit of {$11.00}, XXXX balance of {$11.00}, XXXX. I have tried to resolve this matter amicably with this company via letter sent certified mail and through the credit reporting agencies as well. The card was open in or around XX/XX/2022. The information does not match who I am, address, phone, email etc. As I have explain to JP Morgan Chase Bank. I am not the one who open this account. Someone out there is using my personal information to obtain credit. I have file FTC identity theft report and Police report and sent copies to Credit reporting agencies to advise them and add a fraud alert on my file. I am reaching out to the CFPB to help me resolve this issue.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX reported on my credit file on XX/XX/XXXX, for the original creditor XXXX XXXX XXXX  opened on XX/XX/XXXX, and XXXX XXXXXXXX XXXX Credit Card closed the account on XX/XX/XXXX. XXXX XXXX opened the closed XXXX XXXXXXXX XXXX account on my credit file on XX/XX/XXXX, and then XXXX XXXX reopened again on my credit file on XX/XX/XXXX. XXXX XXXX XXXX should not have been reopened.
Product: Checking or savings account

On XX/XX/year> I walked into a citizens branch for the first time ( the nearest branch to me is XXXX miles one way ) to make 2 check deposits : 1 for {$13000.00} and the other for {$11000.00}. These checks were issued from payroll accounts from a previous employer. The teller not only did not ask for my ID, but didnt ask where the money was coming from. She then alerted me that one of my accounts was in the negative and I had been charged fees. Rather than help me with the fees ( which branch level can do : they have their own fee bucket ) she chose to pass it on to the customer service department to get me out of the branch ). I was told my checks would be on a 3 day hold and given a receipt that explains this. I then called customer service after discovering the {$170.00} in fees on my account. I asked for reimbursement, the rep said no, so I asked to escalate to a supervisor. The supervisor also said they would not reimburse the fees. I let him know that I was not happy with this banking experience and when my check clears Ill be leaving citizens. I told him this respectfully, but I wanted it notated. I then went online and opened a new bank account with a different bank- submitting the deposit to this bank using my citizens debit card. I woke up the next morning XX/XX/year> to all 3 of my deposit accounts with citizens frozen : both of my debit cards not working, and no access to online banking. I called citizens in panic asking whats wrong with my account and was told that my accounts were under review and they didnt notate why. I let the supervisor ( who gave the same name as the supervisor I spoke with the day before ) know that I believed this happened solely because of the fact that I said I was leaving the bank and the bank saw that within my account history as well as my statements the previous day. I let the supervisor know that he needed to alert the branch that I will be coming at the end of the 3 day hold and collecting all of my money across all accounts in cash and closing business with this bank. He said okay and notated that I would be in on Monday. Once I was ready to hang up with him, I asked : please make sure those funds are going to clear on Monday and then he told me actually, there was an extended hold placed for 10 days on it today. I let him know that I would be filing this complaint, along with a slew of others for deceptive banking practices.
Product: Mortgage

Strung along for over 2 months in a conventional refinance transaction. Received an approval and 5 estimated closing statements, and provided 68 deliverables only to be told right before closing that we needed 2 years of tax returns even though we were told at the beginning of the transaction that we could proceed as long as an extension was filed. The underwriter was discriminatory in my opinion as there is no valid reason for denial. The ultimate denial reason was around making an estimated tax payment for 2020, which we showed proof of. Then it was decided, after we provided this proof, that an additional deliverable was needed, which we provided, and then it was decided that 2 years of tax returns were required ... contrary to what was originally advised. The broker, XXXX, had different information in their system than Stearns Lending and was complicit in the discrimination and faulty transaction. I jumped through hoops only to be met with a second level underwriter who didn't understand self-employed and asked us for property tax verification to verify we paid our income taxes??? The underwriter also asked me to provide explanation as to why we estimated an estimated tax payment? We provided a letter of explanation and everything else under the sun and are not satisfied with the brokers handling of the transaction, the discriminatory conduct of the underwriter, nor the misinformation contained in the several teaser closing statements. The brokers system also reflected a different term than the lenders
Product: Debt collection

Everyday in XXXX and XXXX I am receiving calls on my cell phone ( XXXX ) number. After speaking to XXXX XXXX on XX/XX/17, she asked what number they could communicate with me on. I gave her my Home number ( XXXX ) the next day they started the Rotary Calls to that number at XXXX XXXX. She also stated that they investigated information on me and stated I had a lot of properties and asked about a person who has a last name as mine who has no connection nor responsibility for my grand-daughter 's Student Loan.
Product: Debt or credit management

Wells Fargo Auto continues to put false information on my credit reports. They misused my personal information stating a have XXXX vehicles with XXXX accounts which is false. They sold the debt and reported a charge off on my credit reports. This is a direct violation of my rights. I filed a police report for identity theft. ID # XXXX XXXX XXXX XXXX  XXXX. I have made every attempt to resolve this situation with Wells Fargo, CFPB, FTC, all three credit bureaus, and XXXX XXXX XXXX  XXXX. On XX/XX/year> I spoke with a representative at CFPB and was told they have all the information needed.