23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Account permanently disabled without explanation. Contacting the company results in an apology letter for the service cancellation without offering any steps to rectify and without giving any clear explanation on what terms may have been broken. This account is also linked to a credit card and debit card. I have concerns this may affect my credit
Product: Consumer Loan

My primary mortgage has a foreclosure sale date, I am trying to do a short sale but Washington Federal will not work with my Realtor/agent. They refuse to even give a fax number for her to work with them on the short sale.
Product: Credit reporting or other personal consumer reports

This debt was handled by an attorney the agreement was that Advance America would remove information from my credit reports and they have not done so
Product: Credit reporting or other personal consumer reports

This is a violation of 15 U.SCode 1681a ( 2 ) ( A ) ( i ). 

I did not give written consent or permission to any of the listed data furnishers to place the items in question on my credit report : XXXX XXXX XXXX XXXX {$1900.00} XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX {$1000.00} XX/XX/XXXX XXXX XXXX XXXX {$910.00} XX/XX/XXXX XXXX  {$1000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$2700.00} XX/XX/XXXX XXXXXXXX XXXX {$1000.00} XX/XX/XXXX XXXX XXXXXXXX {$3300.00} XX/XX/XXXX I swear to all information provided herein, I do so under the penalty of perjury that the information I so affirm to be true, correct, accurate to the best of my ability and knowledge, so be it. 

On the date of XXXX XXXX
Product: Mortgage

On XX/XX/XXXX, I agreed via a phone conversation with XXXX to a loan modification to bring my account current and adjust monthly payments. The agreement called for three monthly payments of {$1200.00}. beginning in XX/XX/XXXX. The first two payments were made on time as agreed, XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, we received two certified notices of default with intent to accelerate dated XX/XX/XXXX. We also received three notices stating that the loan modification was no longer available and to contact the company for information about other " foreclosure alternatives. '' The company 's hours are Monday through Thursday, XXXX to XXXX and Friday, XXXX to XXXX. Since it was after XXXX when we received the certified letter, we had to wait until Monday to call. We spoke with XXXX, ID XXXX, who told us that we now had to talk with a " single point of contact, '' XXXX XXXX, at XXXX. We called him Monday morning. On Tuesday evening, after not receiving a return call, I called a second time. Once again, I got voicemail. I mentioned that we planned to work with a debt management company, and so I needed to know what our monthly payment would be moving forward. Very shortly, XXXX XXXX returned my call. Unfortunately, I was unable to answer. He asked me to return his call to XXXX, which is an outright scam. I called him a third time and once again left a message. I called the main number, XXXX, and was told that our point of contact is not XXXX XXXX but instead XXXX XXXX at XXXX. I have left two messages with her with no response. Please see the " additional comments '' section of the XX/XX/XXXX and XX/XX/XXXX statements regarding this modification agreement.
Product: Checking or savings account

On XX/XX/2019 2 fraudulent checks in the amount of {$4000.00} & {$4900.00} from XXXX was deposited at Bank Of America ATM in Maryland. I called Bank Of America to do a claim due to I did not make these deposits ... claim # XXXX was open and I am a XXXX XXXX never been to Maryland. after 30 days I I was notified by mail that my account was closed and I am liable for the fraudulent checks. I did a appeal and received the same notice stating I was liable. Upon calling i was advised that I can not open another account for 7 years. I asked was a full investigation was completed and I was advised that I should file a police report. Bank Of America didnt try to help me at all.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, my auto loan with American Credit Acceptance was made current, and my deferment payments were approved. Despite this, a repossession remark was recently added to my credit report. 

Between XX/XX/XXXX and XXXX, XXXX, my XXXX credit report added the remark XXXX XXXX. Today, on XX/XX/XXXX, my XXXX credit report added the same remark, stating this update was made between XX/XX/XXXX and XXXX, XXXX. 

Why This is Inaccurate & Violates the FCRA : XXXX. My vehicle was never physically repossessed. 
XXXX. My loan was made current on XX/XX/XXXX, before this remark appeared. 
XXXX. A redeemed repossession falsely suggests my car was taken and then recovered, which is misleading. 

Under the Fair Credit Reporting Act ( XXXX  ) XXXX XXXX. XXXX, credit reporting must be 100 % accurate and not misleading. This reporting is damaging my credit and affecting my ability to secure loans and credit. 

I appreciate your time in reviewing this matter.
Product: Checking or savings account

Keybank is refusing to allow me to close my account without charging me a {$25.00} fee. This seems ridiculous to me. I should not have to pay a bank to stop being their customer! Whether I keep the account open or close the account, they will charge me some sort of fee. They are in effect forcing me to buy a service that I do not want.
Product: Credit card or prepaid card

i have tried XXXX to resolve this issue with synchrony bank, a credit card i have with t.j. maxx. in XXXX i alerted them with chat room email them and called them to try and stop a charge i saw pending! the amount {$95.00}. they would not fight on my behalf with the company. the company tried to fool them by saying they refunded my money! they lied! they charged twice for 2 separate charges and when i used the phone number that was on my payment list connected to this charge, they say " oh, that was for an online exercise program and now it has expired! i never ordered no such thing! i closed this account number and ordered another number that i put on hold. i want some recognition and compensation of {$95.00}.
Product: Credit reporting or other personal consumer reports

I was taken aback when I saw that my credit report had inaccurate accounts on it this morningI genuinely dont understand why. I check my report regularly, but this time, new errors showed up out of nowhere. I even refreshed the browser, hoping it was just a glitch, but nothing changed. Id appreciate it if the documents I submitted could be checked thoroughly, as I need assurance that this wont happen again.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX  XXXX, XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

My XXXX XXXXXXXX account that was charged off was reporting incorrectly for multiple months. It was and still is reporting as charged off even though when I call them, they say that they sold the debt to XXXX XXXX XXXX, a debt collection company. 

On XX/XX/XXXX, portfolio recovery associates said that I was approved for a permanent hardship program and that they would cease collections on the account close it permanently marking it paid on my credit reports. 

On XX/XX/XXXX I pulled my credit report. The issue is in the discrepancy between this credit report and following ones. The XX/XX/XXXX credit report showed BOTH the XXXX XXXXXXXX account that was sold to XXXX XXXX XXXX, AND showed the Portfolio recovery associates account as paid off. If XXXX XXXX sold my debt, they are responsible for not be reporting it as an account that they currently own that is charged off, and therefore only the collections should be showing. 

However, as I mentioned, I was approved for the permanent hardship program after I applied for it in XX/XX/XXXX. To my surprise when I pulled my credit report in XX/XX/XXXX, both XXXX XXXX and XXXX XXXX XXXX were both showing as charged off accounts, and paid and closed that was on my XX/XX/XXXX credit report was no longer there. 

I am requesting that you remove both the XXXX XXXXXXXX account ending in XXXX and the XXXX XXXX XXXX ( XXXX ) account from my credit report among all three bureaus, especially given the fact that it was considered paid off due to my permanent hardship application through XXXX, the company XXXX XXXX sold my debt to. I called XXXX XXXX XXXX today XX/XX/XXXX and the representative told me verbatim that I am no longer liable for the debt. 

This discrepancy is negatively impacting my ability to fix and repair my credit and XXXX XXXX XXXX is refusing to furnish a physical letter saying that I was approved for this hardship program. Regardless, it was reported as paid off before in XXXX, so there should be no reason it is showing up as charged off or in collections when it is not either of those things. XXXX XXXXXXXX is also still saying as of XX/XX/XXXX that on their end the debt still shows as being sold and collected upon by XXXX XXXX XXXX. 

Again, the resolution I'm looking for is to delete both of these accounts off of my credit report since they have been satisfied, and the terms of satisfying the account include deleting the debt off of my credit report.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes particularly considering 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 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 scams lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times, and reporting discrepancies, my financial institution 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. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The following hard inquiry listed on my Equifax credit report is fraudulent and unauthorized : XXXX, the hard inquiry do n't belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Yes, I'm going to publish for the world to see. first of all, I have purchased my XXXX XXXX XXXX XXXX ticket back in XX/XX/XXXX and they told me that I would receive it by mid-XX/XX/XXXX I have waited and waited and nothing has ever come in!! and I even tried to contact them but they never contacted by and I'm currently am trying to dispute this charge with my bank send I never received anything for what I have paid for ... .but my bank told me that they can't do anything about it and I have to handle this situation on my own, which I have already tried!!

I want my money back since i never have gotten anything in the mail!

XX/XX/2018 XX/XX/2018 EB XXXX XXXX {$720.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent  XXXX  several letters regarding the inaccurate information they are reporting to credit bureau but they consist on continuing sending false information and they also are re-ageing this account to keep it on my credit report longer.This is really hurting me financially and mentally.   I recently disputed this account with the credit bureaus and the information was reported as verified and accurate.I 'm sure we both understand that most disputes are often conducted using software, such as  XXXX , and that mistakes can be made.   On  XXXX  -17 I se nt them a certified letter asking them to investigate. Also to send me an explanation of the methods used, and a description/copies of records reviewed, when they conducted their investigation so I can conduct my own investigation into the accuracy of their records and verify that a reasonable investigation was completed. According to FCRA if they can not perform a reasonable investigation they have to remove this account from the credit bureau ASAP!   If not i will sue. The original creditor can be held liable for reporting inaccurate informati on (   XXXX  vs.  XXXX ,  XXXX  vs.  XXXX   XXXX   ), the FACTA l egislation passed recently allows the consumer to go directly to the original creditor and dispute information which the original creditor ( called the information furnisher ) in the FCRA, has supplied to the credit bureaus.   .
Product: Debt collection

CARTER-YOUNG INC at ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX ) has been sending me collection notices in the amount of ( XXXX ) the collection has been reported as past due balance. I do not know this company. I have never done any business with this company Carter Young Inc. This company does not have a contract with my signature.

Also, Carter Young Inc sent me part of my medical records or personal information. I intend to make an official complaint because they have violating HIPAA and I did not authorize them and I did not sign a HIPAA form authorizing this agency to access my medical records.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Inquiries : XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XXXX 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 ( XX/XX/XXXX ) In accordance with the FAIR CREDIT REPORTING ACT ( FCRA ), the list of accounts below/attached has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 15 U.S.C. 1681 section 602 A-States I have the right to privacy. 15 U.S.C. 1681 a. section 604 A- States a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 168c. ( a ) ( 5 ) 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 card

I was charged by healthcare provider XXXX XXXX XXXX for services not rendered and provided a receipt on XX/XX/year>. This charge was not approved or authorized despite the practitioner having the card information. Healthcare provider was reported to the state of the Washington Department of Health for fraudulent billing practices. Evidence exceeding health privacy rights was given to Capital One of personal health insurance claim history. This proved that the provider never tried to submit a claim to insurance. This may be in violation of HIPAA laws.
Product: Vehicle loan or lease

Solo por hacer mi reclamo me bajo el score, no contestaron y volvieron a activar la cuenta en mi rcords de crdito como negativa solo por reclamar, es un acto de hostigamiento ya su dealer me estafo y ahora ellos me enviaron un papel del IRS como perdida del 2020 cuando ellos declararon esta deuda como perdida en el 2017, si nunca declararon la perdida en sus libros contables quiero que me enven la carta y quiero que esto sea entregado al IRS.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Futhermore, their despute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and i seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX  XXXX XXXX Balance : {$540.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX  Balance : {$590.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$640.00} ; XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX  Balance : {$810.00} ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the XXXXair Reporting Act XXXX Account XXXX, XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A States that I have a right to privacy. 

15 U.S.C 1681 Section 604 Section 2 It also states a consumer reporting agency can not furnish an account without your written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Multiple unauthorized inquires on credit file that I did not authorize. Credit bureaus keeps telling me to call the creditors but I have no accounts with the inquiries showing on my credit report that I have reported as fraud t.The only permissible purpose for pulling someone 's credit report is 1. firm offer of credit. 2 insurance 3. employment 4. court order. None of 4 do not apply to me. I have attempted to contact each credit inquiry on my credit report and my information is not in the their records.
Product: Credit card

On Tue XX/XX/XXXX I noticed a charge and filed a dispute with my credit card company for a charge of {$650.00} on XX/XX/2023 at XXXXXXXX XXXX made without my permission. 

On XX/XX/XXXX I recieved notice my dispute had been denied as their had been no " evidence to substantiate my claim ''. 
At XXXXXXXX XXXX I then moved to get further information on to what information was used to determine this dispute. I received a copy of the same email with the outcome of the dispute with no further information. I then requested further information from the associate at XXXX citing the policy of the company stating to the representative `You have the right to see the information we gathered to make this decision. To request a copy, please contact an Apple Card Specialist. I am requesting a copy " The associate then replied : " I see that we don't have a merchant response that we can resend to you. Do you wish to reassert the dispute? '' And at that point I reopened the dispute further adding clarity that the transaction was not made by me and I did not recieve the goods and services nor did I pick up the goods requested. 

On XX/XX/XXXX I then received notice that my dispute had been denied and requested further information of the decision. I recieved no information even after this point. I then requested another appeal with further information regarding the goods not being received. 

On XX/XX/XXXX I then received another notice that my dispute had been denied and then requested further information regarding the decision again not receiving any furhter information.
Product: Vehicle loan or lease

US BANK AUTO LOAN - LATE PAYMENT REPORTED I have two car loans with US Bank. First loan is set up on Auto payment. The second loan, the website would not allow me to set up auto payment for the same account. When I make payment manually, the website does not allow autopayment set up at that time. Finally I sent the paper form for autopayment. The form was never entered into the system. The payments were not processed and late payments were reported to credit agencies which negatively affected my score. Again no voicemail ever! 

When I asked US Bank why didn't you call me and left me a voicemail. They said they are not required to leave voicemail. Their calls and mails are drowned in tons of advertising mails and calls we get from US bank. They do not come on line but instead say press 1 to connect which sounds suspicious. They do not leave voicemail. The paper notices and emails are mixed with tons of spam mail. 

They reported and ruined our credit without ever talking to us or leaving a voicemail. I did my part by sending the form but they say they never received it. Their online system, mail system and phone policies are aligned to make us fail from making payment on time despite all good intentions. I had excellent score of XXXX now ruined. This is pure harassment and disregard for someone's hard work of while life by ruining their credit without making appropriate effort to convey message. All I needed was one voicemail. 

I offered to pay the entire loan so that this negative payment can be removed. I could not get anywhere with their customer service. I work very very hard for my family. As a XXXX I work hard at XXXX. I wake up at XXXX XXXX and do not look back. I feel frustrated and helpless where my financial situation is ruined by US bank. 

Bank 's system did not allow customer to easily make autopayment and did not use effective communication. In addition, made trivial effort to inform the customer hidden in tons of calls and mails without leaving one real voicemail before ruining the credit.
Product: Credit reporting or other personal consumer reports

I sent a letter on XX/XX/2024 to remove the items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any account or information not later than XXXX business days. Ive already included this in my previous Complaint # & I am including it again.XXXX XXXX XXXX XXXX XXXX  XXXX XXXX : {$0.00}