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

Hi I am submitting this XXXX 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 XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$590.00} XXXX XXXX XX/XX/XXXX {$6500.00} XXXX XXXXXXXX XXXX {$380.00} XXXX XXXX XXXX XXXX XXXX {$650.00} 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 reporting, credit repair services, or other personal consumer reports

It is XXXX XXXX in America. After sending supporting documents supporting my case to XXXX and Equifax reporting unverified and inaccurate reporting Charge offs From XXXX XXXX. They continue to Parrot this WRONG information. Still NO CONTRACT WITH MY SIGNATURE OBLIGATING ME RESPONSIBLE FOR THIS MIXED FILE. In a Previous document XXXX XXXX admitted they had NO contract but believed their information was accurate refusing to remove the WRONG information. XXXX XXXX left the DECISION up to the CRA who decided to PARROT the INACCURATE information. Thank you Veterans YEAH RIGHT!
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns about Zelle 's handling of disputes, especially due to the recent CFPB lawsuit that highlights major issues with the platform. Even after using Zelle many times and reporting problems, my bank and Zelle did not properly investigate my claims. They told me that recovering lost funds was impossible and tracking transactions was unfeasible. The CFPB 's findings show that Zelle has not protected consumers and has let repeat offenders abuse the system, making users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

On XX/XX/XXXX I received a letter from EOS CCA about a debt originally owed to XXXX and then sold to XXXX XXXX XXXX XXXX and placed with EOS CCA. EOS CCA sent a letter on XX/XX/XXXX about the debt and I replied on XX/XX/XXXX asking the company to verify the debt. It is XX/XX/XXXX and EOS failed to validate the debt, but they did not hesitate to update the debt to my credit reports on XX/XX/XXXX within the time I requested debt validation, a clear violation of the FBCPA.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred, despite having sufficient funds when the transactions were authorized. I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB finishing against navy federal f or similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my accounts transactions.
Product: Mortgage

XXXX I suffering from memory loss and XXXX recently divorced husband left me with the house. Im on a fixed income and I apply for a modification however this company SPS denied my modification. They forced me info a forbearance when I thought my second mortgage would be modified. Also Im have issues because of covid because i am high risk. They continue to report late payments to the credit bureau to purposely harm me even though Im making payments. I was able to modify my first mortgage however XXXX put me in this horrible forbearance without my knowledge and will want full balloon payment in full in XXXX of almost XXXX dollars in which Im on a fixed income and will have no way of paying. XXXX not trying to help me they just set me up for failure Please help anyway you can as if i was modified I can pay all my payments on time. Im in and out the hospital XXXX days a week because of my XXXX conditions.They refuse to work with me. Seems they are more interested in reporting derogatory information to the credit bureaus that helping me in my situation..
Product: Mortgage

I was given a modification by my bank under the hamp program. Now per your program this is to be at no cost to the consumer. However, the bank added fees which made my mortgage more than it was originally. Also, with this modification I will never own my home, and I was told, and the numbers were explained to me that I would but would have a balloon payment for the amount not included in the mortgage payment. I have called several times and spoke with different representatives XXXX stated I would own the home and there would be a XXXX balance on the mortgage the other stated I would never own it. I have been paying on the home and it has not gone down XXXX bit I owe the same amount on it when the hamp was completed over XXXX years ago. How is this making it affordable if you never can own it? 

I should have filed this sooner I don't see how again a bank can take advantage of a person who could not make payments by taking a {$110000.00} mortgage and turning it into a {$160000.00} plus mortgage.
Product: Money transfer, virtual currency, or money service

Payment was made through XXXX, service offered by BECU, for a party equipment rental on XX/XX/23 in the amount of {$250.00}. XXXX was a scam through XXXX XXXX. An invoice was received from seller, but no party equipment rental was received for the payment that was made. The seller account has been reported to XXXX. We used XXXX through BECU because we thought it was a safer option because it's a service offered by BECU. Banks and XXXX XXXX are offering a service with no customer protection and scammers are using it to their advantage.
Product: Mortgage

PHH mortgage company XXXX This mortgage company obtained our loan from another loan servicing company. We have never received any statements, any information Whatsoever from this company. They had our mailing address wrong and no phone number in the system. They refuse to work with me to develop a repayment plan on back mortgage, even when offering to make two payments right away upfront. 

This company has posted my home as a foreclosure sale without a 30 day notice. They are refusing to work with me on a loan modification and or replacement plan.
Product: Vehicle loan or lease

I have USAA as my automobile insurance carrier. I had full coverage with vehicle reimbursement up until late 2018. A transaction happened with my ex wife 's vehicle and my vehicle reimbursement was removed without my authorization or my knowledge. USAA records all phone calls, but they can't locate a recording of when my vehicle reimbursement was removed from my policy. I had an accident and USAA has refused to pay for rental reimbursement on my policy like they are obligated to do so. They state that the policy reflects that I don't have rental reimbursement and that's the proof that they have, even though they record all calls, they fail to provide me a phone call recording which took place, but they state that I don't have it, even though I never removed vehicle reimbursement from my policy and I never authorized anyone to remove it. USAA is commiting illegal procedures against it's veteran customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter over 40 days ago to experian and they have failed to deliver updated results so now they are still investigating this dispute which is a violation of the FCRA.
Product: Credit reporting or other personal consumer reports

All loan balances were paid off by the Dept of Veterans affairs on XX/XX/2024. I was told by the loan servicer XXXX this would be updated in 30 days which would have been XX/XX/2024, but the balance still remains on my credit reports with Experian and XXXX. I have tried disputing through both Experian and XXXX, but no changes have been made. Experian and XXXX both display a balance over $ XXXX for XXXX XXXX loans, when they should reflect a {$0.00} balance on all XXXX XXXX loans.
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 reinvestigation of my disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved, The Consumer Finacial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as falling to forward consumer-provided evidence to furnishers, accepting unreliable responses, falling to adequately notify consumers of disputed outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed itemsdepite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immidiate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Debt collection

Hello, I have received a call from XXXX group in attempt to collect a debt on XX/XX/2017. During this call I requested that they send me a hard copy letter with more details so that I would feel more comfortable giving my banking information over the phone.They said they would do so, as well as sending an email. I did receive an email, however it seemed fishy because the senders email address was a different name than the name that was signed at the bottom of the letter. Since they agreed to send a copy through classic postal services, I decided to wait until I received the hard copy to ensure it was not a scam. I haven't received anything in the mail to this day, so I assumed that it was not a legitimate call as they didn't provide proof of debt in paper, so I proceeded to ignore any calls from that number until I could receive verification. Now my relatives are calling me, saying that somebody is looking for me and that there are charges against me. My aunt even stated that after she spoke with whoever was calling her about me that he said " She can consider herself served ''. I'm not sure how to take that but I do feel threatened. Today I sent a certified letter to XXXX XXXX, with my updated phone number asking them to send me something in paper so I can go ahead and make arrangements to clear the debt. I have also called three different numbers that seem to be linked to this group, and the line doesn't even ring. I will attach the letter, I sent along with receipts to this record. I will also attach the email the " XXXX representative '' sent me as well.
Product: Debt or credit management

XXXX XXXX 2024 bank levy on my bank account amount of {$4000.00}. And when I try to contact the debt collector to negotiate or some kind of agreement, no one answers the phone or returns my phone calls.
Product: Debt collection

Commonwealth, XXXX XXXX XXXX XXXX   XX/XX/XXXX {$1100.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$510.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$180.00}.

I have no knowledge or proof stating that I'm the owner for these debt collection payments but they are showing up on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL. XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX, TX. XXXX To Whom It May Concern : I recently received a copy of my ( Experian, XXXX or XXXX ) credit report, and I noticed some late payments posted on my credit report : XXXX ACCT. # XXXX XX/XX/XXXX, XX/XX/XXXX Your company is in clear violation of the law. Under 15 USC $ 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this account on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC {$1600.00} ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS - Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC {$1600.00}.

Failure to respond satisfactorily with deletion of the above referenced account will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC $ 1692g violations Fair Credit Reporting Act 15USC {$1600.00} violations for willful noncompliance - {$610.00}. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Send out a free copy of my report after the changes have been made. 

Best regards, XXXX XXXX XXXX
Product: Credit card

My wife and I have been trying to make a payment to our Amazon Store Card via Synchrony Bank. In order to make a payment, Synchrony requests that I set up a phone number to be used in conjunction with our payment, which we did. Now we have a new phone number. We have asked them at least 5 times to update the phone number associated with our account. Once, the phone number was changed. But the next time we wanted to make a payment, Synchrony had changed the phone number back to the old, defunct number. This morning my wife spent 2 hours both on the phone with Synchrony as well as using Amazon 's chat function. No one answers any questions nor provides any advice ; my wife was basically just on hold for 1 hour. The chat function was also useless with regards to our question. Without being able to update our phone number, or reach anyone who can provide advice, we will not be able to make a payment and will be charged interest on our bill ( which we can pay ).
Product: Mortgage

I filed for a loan Modification several times with Flagstar bank. It seems as every time i 've filed they would string me along, requesting Information that does not exist, and after pleading with them time and time again about the non existing Information, they would Deny my Application.
I do n't have Money to Hire a Lawyer to help me. I recently had to File Bankruptcy to stop the Bank from selling my Home. 


Please Help!!!!!!!!!
Product: Credit card or prepaid card

Citicard transaction declined on XX/XX/21 for {$320.00} I have been with Citicard many years, always paid on time and had minimal balance. Tried to make purchase and card was declined. I said that was impossible. Clerk tried again and purchase approved. 
I called Citicard to ask what happened. I was told that on random transactions they will decline a purchase as part of a security check. It had nothing to do with my account or history, it was just done randomly when they felt like it. They said that I had consented to this when I accepted their terms. 
I had never lost my card or reported fraud on the account. I can not begin to describe the embarrasment I felt, as I was in a very expensive store. I have maintained an excellent credit record in order to avoid this type of situation. 
I want people to know about Citicards practice on accounts that are in excellent standing.
Product: Credit card or prepaid card

I am writing to request an increase on my Chase XXXX credit card. I love my business credit card and the credit limit that I was started with. It has helped me scale my business. In the last year and a half since I've had this card, I unfortunately have not received a credit limit increase. My current limit is insufficient to cover my potential monthly business expenses. My payment record with Chase is perfect and I do not anticipate any difficulties in dealing with an increase in my credit limit. I have a Chase preferred personal credit with a XXXX credit limit. I am asking for an increase on my Chase XXXX from {$8000.00} to {$17000.00} to match my Chase XXXX. I have banked with chase for over 15 years and have a bank account with sufficient funds, so I am more than capable of making my monthly payments. I submitted this via CFPB because I did not receive an email back, and I did not want to request an increase over the phone or online because I wanted to explain some things on my credit report and send in documentation. There is a late payment reporting for XXXX XXXX  which is inaccurate, and I am in the process of filing a lawsuit against the credit bureaus for incorrect reporting and defamation of character due to many missed opportunities. I have also paid down balances on other cards that may not be reflected. My 3-bureau credit report is attached so there is no need for a hard pull. I will also attach the cfpb report filed against the bureaus with the intent to sue. My credit profile is great, but the late payment is recent therefore it is hurting my score. I wanted to share so this would not prevent me from an increase. I am hoping to hear a favorable outcome from XXXX. Please contact me if you need any information to expedite this process. I am looking forward to your reply.
Product: Debt collection

Good evening, I 'm constantly receiving mail and phone calls from Portfolio Recovery Associates LLC in reference to a credit card that I have no recollection of. What 's troubling is, it 's the same lady calling every time. The Merchant is XXXX XXXX XXXX in which I had a checking account but I had poor credit then so I do n't recall having had a credit card from this bank. However, this account is past ten years now. I 've been harrassed for almost five years by the same woman. The bottom of the letter even states " Because of the age of your debt, we will not sue you for it and we will not report it to any crefit reporting agency '' How can I get them to stop harrassing me or can I sue them or her for emotional distress? Their number is XXXX, located in XXXX Virginia. Thanks for your time and help. Be Blessed!
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is that i was told by the hospital XXXX XXXX that i should wait to pay my bill to see what my insurance picks up. so that time passed 2 or 3 years goes by. My wife and I think her multiple XXXX and mine have been covered 100 percent. We get a call from Financial Credit Network informing us we have many accounts in delinquency. All of them with XXXX XXXX hospital. Without any type of warning shot they want all the money now which i do n't have. All these accounts are for XXXX to XXXX dollars to XXXX dollars to XXXX dollars. So they pummel my credit report with several delinquent accounts with the same hospital i owe the money to. Meaning so instead of owing 1 delinquent account for XXXX dollars i owe several accounts for XXXX dollars to XXXX dollars destroying my credit. Just because i could n't give them the money right there and then. That would be like someone owing on a XXXX that went delinquent and getting reported on for that XXXX XXXXXXXX 40 different times because it was used at XXXX XXXX XXXX XXXX XXXX, the gym at XXXX XXXX. Well you get my drift i hope. It is unfair credit reporting because first of all it is the same place XXXX XXXX XXXX, Second of all I was never afforded the opportunity to settle this bill with the hospital before it got this big. Try calling them they never pick up the phone and they never call back after leaving messages. My wife is XXXX I am a veteran with medical issues, I tried to explain to Financial Credit Network how bad they screwed my credit up. For something i did n't even know about? How can these people hurt the public so bad and not even have to answer to anyone. XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, a hard inquiry showed up on my Experian and XXXX  credit reports for a line of credit I did not open at XXXX XXXX XXXX. I then ran my credit reports for all three agencies, only to discover 2 of the 3 showed what looked like someone's profile on my report. I discovered incorrect variations of my name, incorrect home addresses and places of employment, and about 16 accounts that did not belong to me. Naturally I freaked out. The odd thing was a lot of the incorrect accounts were from 2-8 years ago and these had never ever shown up on my credit reports before XX/XX/XXXX. I check my reports often so I would have seen these. 

So the first thing I addresses was the recent inquiry. On XX/XX/XXXX at XXXX PST I called the XXXX XXXX XXXX that made the hard inquiry on my credit report and they were unable to pull up an account with my name and social security number. None of the info I gave them pulled up an account ... which further made me believe there was a problem with the credit bureaus and not a case of identity thief. 

So, on XX/XX/XXXX at XXXX PST, I called Experian and they looked into my credit report and the customer service rep noticed that my profile was actually merged with another person with a very similar spelled name ( mine is XXXX and the incorrect one was XXXX ) and social security as mine. They started the process of un-merging my account with this other person. Somehow bc another person has a similar spelled name and social, our records were being merged in their system. Thankfully the customer service rep took the time to go line item by line item to separate the records. Sadly I now have to do this same thing with XXXX because these same errors were on that credit report too. I didn't see anything incorrect on XXXX  yet but I'll keep monitoring it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have tried multiple attempts to dispute information with Transunion and they continue to deny access to my credit report to dispute incorrect information.
Product: Mortgage

Hello, I could not find where to submit a concern about banks for a review of policies period. I am not currently having an issue. 
My concern is for when I applied for a mortgage. My average credit score was XXXX. Which I thought meant an excellent credit rating. The bank told me they don't use the average and picked my lowest score to deny me the advertised lowest rate. 
I think there needs to be clear and uniform reporting on rates prior to applying for a mortgage and for ALL financial institutions. Not left to a sales person with the bank to decide what they can sell you into. A bank being able to use arbitrary means for determining the rate a customer is charged makes it impossible to properly and with due diligence shop for the best financial product to fit the customer. 
In short I believe all should be treated equally. Income, payment history, debt to income, and job history.