23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

XXXX XXXX Received YOUR response on my complaint. I still to this day have not received anything stating they denied the claim. I was told when I called in the complaint that not to pay the item and disregard the late fees and interest. I was confused on their reply, they did not even investigate the complaint. I called XXXX XXXX and was told they had not call on the charge. I have been as customer for more than 25 years on this card. It is great until you have a problem I had to mail in XXXX letters to XXXX different address and was told they never got them. on my XXXX call to the customer care ( a joke ) one person told me I need to do this on line. Which I did, I believe a total of 5 times and sent in all the information along with the reservation print out that states it is a free cancellation. They did not even call rXXXX  or XXXX to find out why both charged a fee of XXXX. Within XXXX minutes of my booking I called rXXXX and was told to late so sorry. I then called COMENITY BANK and told them not to pay this amount, was told can't do this until it hits your bill. Call back in a few days ... which I did. This is when this bank turned XXXX and XXXX. I would like the information they received when they investigated this and the people they spoke with. This is not a BANK it's a loansharking operation. Their reviews should have already shut them down. Who will investigate them?? This amount needs to be removed from my closed account. The only call I received from the COMENITY BANK WAS FROM THEIR COLLECTION DEPT. HE HAD NO CLUE ABOUT THE PROBLEM AND COULD CARE LESS.
Product: Credit card or prepaid card

Im loyal customer and this bank denied me another credit card that offers travel rewards I applied for a XXXX credit card and was declined for one reason and my credit is good its unfair for having too many recently new accounts this isnt fair their are the only bank denying me
Product: Credit reporting or other personal consumer reports

My problem happened after my mother passed away XX/XX/XXXX. She was helping me pay my bills. I tried to keep all my accounts paid or an agreement for a less amount to be paid. Discover Card advised me in XXXX that they would set up a hardship and I paid that amount they stated for 3 months and then that amount would be my monthly payment. However, as time passed and money was very tight, I called Discover and told them that my hardship was worse and they agreed to forgive my account. 
So, I figured that I should check my credit reports since I received a letter from XXXX XXXX XXXX  that my and my deceased mother 's personal banking information was possibly compromised. I attempted to sign up with the credit monitoring agency and I could not reach the link they advised customers to use. Therefore, I just hoped nothing would happen. 
So when I checked my credit reports and saw Discover Card still on my credit report as negative, I disputed that account with XXXX. After I submitted the dispute, XXXX dropped my credit score XXXX points and will not discuss anything with me while a dispute is ongoing. 
My main complaint with XXXX is the way that I was penalized for the dispute by dropping my credit by XXXX points and I am not allowed a reason why. If XXXX can not speak with me while a dispute is ongoing, they should not be able to penalize me either when nothing has changed with my credit. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian remove credit freeze page has not been working or down for more than 2 weeks. Every-time I visit the page to try and lift a freeze I receive the following error screen : Previous city 1 is a required entry. 
Previous state 1 is a required entry.

Previous ZIP Code 1 is a required entry. 

Although I am entering in the correct information with my current pin it continues to show errors no mater if I enter my current address of the past 6 years or my previous address. 

The site needs to be fix if one wants to lift a freeze. I have sent the company several emails but no reply from them as of today XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE NOT BEEN ABLE TO GET XXXX XXXX, EQUIFAX OR XXXX TO MAKE THE CORRECTIONS TO WRONG ADDRESSES AND NAMES ON MY CREDIT REPORT.
Product: Credit reporting or other personal consumer reports

I am writing to report significant inaccuracies in my credit reports from TransUnion, XXXX, and XXXX, which have caused serious harm to my financial well-being. Despite my consistent efforts to correct these errors, the credit bureaus have shown a blatant disregard for their legal obligations under the Fair Credit Reporting Act ( FCRA ), and I am now seeking your assistance in resolving this ongoing issue. 

On XX/XX/year>, I sent a letter to each bureau detailing inaccuracies in my personal information. I provided clear, verifiable identification documents, including my state ID, Social Security card, and proof of address. Despite this, I was informed that they could not verify that I initiated the disputes. 

On XX/XX/year>, XXXX responded by refusing to act on my dispute, claiming it did not appear to be sent by me. The next day, XX/XX/year>, TransUnion notified me that no changes were made due to potential fraud risks, suggesting I file a dispute online. In response, on XX/XX/year>, I sent another letter to all three bureausagain including my identificationrequesting a thorough investigation and correction. 

On XX/XX/year>, TransUnion once again inaccurately stated that the information was verified and accurate. XXXX repeated its claim that they did not believe I was the one filing the disputes, and XXXX has not responded since sending a letter around XX/XX/year>, questioning my identity. 

These actions, or lack thereof, by the credit bureaus constitute clear violations of the FCRA, particularly in their failure to ensure maximum possible accuracy of the information reported under 15 U.S.C. 1681e ( b ) and to conduct a reasonable reinvestigation of disputed information as required by 15 U.S.C. 1681i ( a ). Additionally, their failure to correct these inaccuracies has further violated my rights under 15 U.S.C. 1681i ( c ), which mandates that they must include a notice of dispute in any future reports. 

One of the most glaring errors involves XXXX missed payments being inaccurately reported as late, despite the account status being marked as closed. Each month, this ongoing error adds more late payments, severely damaging my credit score and violating the FCRAs requirements for accuracy and thorough investigation. 

I respectfully request that the CFPB hold these credit bureaus accountable for their non-compliance with federal law and ensure that the inaccurate information is removed from my credit reports immediately. The continued presence of these errors is not only unjust but illegal, and it is essential that these matters are resolved promptly. 

Thank you for your attention to this matter. I trust that with your assistance, these issues can be finally resolved.
Product: Student loan

The method of how Nelnet is handling refund requests has no structure. Please see the below timeline : XXXX called Nelnet to request a refund for my payments. I was told the request was submitted and I would receive an email or a call about the status. 

XXXX or XXXX called again and spoke to a Rep that gave me general information and stated the the department thats processing the refunds arent taking calls, but I would probably receive an email. 

XXXX submitted an email, but received an automatic response stating it would take them 5 days to respond, so I decided to call later on that day. 

XXXX called Nelnet and was told my refund request is in the system, but due to the volume, it would take XXXX weeks to process now. 

XXXX received an email response stating they need additional information to review my account. 

XXXX decided to provide them with the information needed to look deeper into my request.
Product: Credit reporting or other personal consumer reports

This is my follow up complaint. I have noticed that an inquiry and inaccurate information persist on my credit profile. Previously, I requested that you conduct an investigation into the inquiry on my credit report to determine its authorization. I understand that your investigation has concluded and supports my assertion. Therefore, I kindly request the expungement of this lingering inquiry and inaccurate data. Additionally, I request updated copies of my credit reports devoid of these remaining items. Below are the details of the disputed items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX : XXXX XXXX XXXX XXXX XXXX WA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. It is crucial to note that these disputed items do not pertain to any transactions initiated or authorized by myself. In accordance with the Fair Credit Reporting Act Section 605B ( a ), you are mandated to remove any items opened without my knowledge, consent, or authority within four business days. This removal necessitates suitable proof of consumer identity, an identity theft report copy, consumer identification of the disputed information, and a statement attesting that said information does not pertain to any transactions by the consumer.
Product: Mortgage

this is a follow up to the claim # XXXX. I was asked to send the email address to the compliance officer. I feel more comfortable sending it through here so we can all be on the same page and I have a paper trail and won't have to revisiting the previous info sent and other important details about my case, as we would all be able to come back to this portal for that information and then I have protection as to what is going on. attached is the email again showing who the email is from but as I was getting this information for you I noticed two of the same emails from XX/XX/2024 ... this time it didn't have your logo on it but it has everything else that would be in the body of one of your emails when sending notifications about monthly statements including what appears to be your XXXX # ... XXXX the email doesn't even reference my name as the borrower as you will see but it's using your XXXX #. So if this isn't you that means they are committing fraud.
Product: Credit reporting

I went to sign in at annual credit report .com and in order to get all three reports i have to answer XXXX questions per a report. XXXX XXXX was fine. The next report I tried to get had XXXX questions, the XXXX question stated I had a mortgage and a loan amount. I do not have a mortgage and no monthly payment. The XXXX time I tried I selected the option ( none of these ) I failed to get in. Then I tried again and got locked out. I can not get my credit report because a mortgage with an unknown bank is on my report.
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns regarding Zelle 's handling of disputes, particularly in light of recent CFPB lawsuit highlighting significant issues with the platform/company. 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 CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also 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 consumers safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

It all started sometime back in XX/XX/2013 when I was a loyal and good customer of 3 banks  : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , & XXXX XXXX. I had my bank accounts at the three banks including my 3 checking accounts that this complaint is in reference to. On the same week in XX/XX/2013, a very small mistake was made at the 3 banks. At XXXX XXXX, unbeknownst to me, I had deposited an envelope into the ATM machine with insufficient funds. The same week, I had deposited a business check into my account at XXXX which later was returned as insufficient funds. The same happened at XXXX XXXX XXXX. Before I was able to return back to XXXX XXXX to resolve the issue, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX closed my bank accounts and reported me to Early Warning Services. I have resolved the issues with all 3 banks and paid them the amount I owed them. I also got statements from the banks stating that I have paid the accounts off and that they will notify Early Warning Services to remove the negative reporting. I also sent these letters to Early Warning Services as proof. Early Warning Services has now had me actively in their system for 5 years now. This has prevented me from opening any bank accounts even until today. I am still unable to open an account which has clearly affected my life drastically. I am a US citizen who was born in XXXX XXXX, CA, USA who has worked very hard, who is very honest, and who was once a very young and successful man before these incidents/reporting 's. Since Early Warning Services has kept this incorrect reporting of me even after I have paid the banks off and resolved my issue with them and provided them proof, my way of life has taken a turn for the worst. The inability to open any bank accounts and the negative reporting inside Early Warning Services database has led me to close all of my businesses, lose all of my business partners and investors trust and relationships, and has recently finally led to relying on the governments assistance to survive. I am now on XXXX and I have lost all of my credibility in my community. My XXXX XXXX has declined drastically, and I am suffering from serious XXXX. This is all due to the false reporting and unethical and immoral practice by Early Warning Services. There should be a new and improved FAIR system that determines accuracy of reports from banks to the reporting agencies and vice-versa.
Product: Checking or savings account

Us bank took a couple of my stimulus checks and said my account was negative which it wasn't. There was fraudulent charges on my account. They also sent me a letter saying to take the money out by such and such date but that date had already passed. They sent the letter out after the date had passed. So there was no way for me to get the money. This all happened in XXXX XXXX I had business accounts. I went into the bank and tried to get the money explaining this was emergency money and they refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for or purposes
Product: Credit reporting or other personal consumer reports

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, accounts which are involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. 

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

Co-signed XXXX XXXX lease for my son with Gm Financial in XX/XX/XXXX.Total amount of lease totalled {$10.00}, XXXX. It is a 3 year lease. Credit Monitoring company had notified me by email on XXXX XXXX that my credit report drastically change, therefore lowering my credit score. As I looked into, I notice my balance on the car lease went from the original {$10000.00} to a staggering {$19000.00}. Now, let me explain first off that I paid almost the entire lease payments early- minus one last payment as you can not pay off the entire lease early without penalities so I left one last payment. My credit reports for the month of XXXX, and XXXX report only the lease payment balance. I mailed in a big check of XXXX in early XXXX, and then an additional payment on the XXXX of XXXX for $ XXXX totalling {$10000.00} I paid most of the lease off early as I am in the process of buying a house, and wanted to lessen the " debt '' on my credit report by paying down most of the LEASE. I called GM Financial at the end of XXXX as I was concerned they had not UPDATED the fact I made the big payments on my balance. I was informed by GM employee that they report to the Credit bureaus at the very end of the month XXXX or day after. When I checked my credit on XXXX, XXXX I noticed GM HAD NOT REPORTED THE LARGE PAYMENTS MADE 3 WEEKS PRIOR.Alarmed, I filed a DISPUTE with XXXX  stating the fact that the original balance of XXXX should now reflect only {$290.00}. When I got the notice on XX/XX/XXXX from the monitoring agency that my balance went up drastically, I immediatley called GM and was told they must of reported the wrong balance and gave the credit agency the " RESIDUAL '' balance. I informed them that this was a LEASE. I did not sign any contracts stating I am buying the car at end of lease. I would trade it in. I AM NOT BUYING THE CAR. They never reported a Residual amount in the beginning yet they got confused when XXXX called regarding my complaint that I was not credited with making that XXXX, XXXX payment. When the clerk at XXXX asked GM lease  employee what the balance owed was the person actually looked up the residual amount ( had i PURCHASED the car at end of lease and remember, they never reported in the past a residual fee. Always had a original balance of {$10000.00} on my LEASE. I can not get a home now because my debt to income ratio is now off the charts- I went from a balance of {$290.00} to {$19000.00}. GM Financial refuses to clear this up- they said it's a residual amount if i decide to buy itl. WELL, I AM NOT BUYING IT AND THEY NEVER REPORTED THAT AMOUNT PRIOR ... JUST THE LEASE BALANCE WHICH STARTED OFF AT {$10000.00}. PLEASE PLEASE PLEASE CORRECT THE BALANCE TO REFLECT THE AMOUNT OWED IS {$290.00}. I DO NOT OWE {$19000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Per 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. 

I told XXXX, XXXX, and Equifax to reinvestigate this account : XXXX XXXX XXXX : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, last reported date, and much more are incorrect? According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States that no consumer reporting agency may make any consumer report containing the following items. 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.

Also, they aren't even in compliance with Metro 2 credit reporting. I have evidence to prove my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXXXXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now XXXX XXXXXXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

I have asked for all the creditors that has falsely reported information on my credit file to validate debts by providing proof of this alleged item, specifically the original application, contract, note, other instrument bearing my signature and payment history. Please provide this information within 15 days. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. 

Debt buyer are not a creditor therefore on my report where it shows collection agency as creditor it's inaccurate reporting and violation under FDCPA definitions of creditor. This is inaccurate and needs to be deleted immediately as its a violation. Please view the below definitions, 12 CFR Part 1006 - Fair Debt Collection Practices Act ( Regulation G ) 1006.2 ( g ) Definitions.

( g ) Creditor means any person who offers or extends credit creating a debt or to whom a debt is owed. The term creditor does not, however, include any person to the extent that such person receives an assignment or transfer of a debt in default solely to facilitate collection of the debt for another. 

These account are inaccurate under 15 U.S.C. 1692g validation of debt. In addition, while the collector attempted to collect a debt that is not mine, they broke 15 U.S. Code 1692k - Civil liability. Below I have attached the definition of the law as this is my right. Please have this inaccurate account removed from my credit as it is damaging my personal life or pay the {$1000.00} fine for breaking this law.

15 U.S. Code 1692k - Civil liability ( a ) Amount of damages
Product: Credit reporting

They have my address and phone number wrong. They did not have my employer, and took adverse action based upon a hard inquiry check which is being disputed.