23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have signed up for a few XXXX in the last year but having spent money at these outlets, I did not get the money back or discounts that the bank promised
Product: Credit reporting, credit repair services, or other personal consumer reports

There are third party medical collections on my credit report that do not belong to me and I did not authorize. This is a violation of the HIPPA act : XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

J.P. MORGAN CHASE. Credit Journey " XXXX, New York XX/XX/XXXX This Banking institution is constantly doing the wrong things ... They are notorious for ruining ones credit. They had me on their " Credit Journey " as being delinquent with 14 late payments to my XXXX XXXXXXXX credit card for the month of XX/XX/XXXX ... ..I am Always on top of my payments, making sure they are submitted by the " Due Date ''. I checked my account and sure enough there is a payment of {$100.00} to XXXX XXXX in the month of XXXX. I am getting tired of having to dispute issues with them ... .They discontinued the use of my card ... ... I think I am going to take my business elsewhere ....
Product: Credit reporting, credit repair services, or other personal consumer reports

i look on my credit report unknown things on report these are the list of the inqures i want revomed. XXXX XXXX on my report 2 times. XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I have been a victim of fraud. Yesterday, while attempting to apply for a link with XXXX, an XXXX XXXX sales representative, I inadvertently shared my HSBC credit card details during a screen share session. Subsequently, an unauthorized transaction of XXXX XXXX was made to 'XXXX XXXX  '. I have already taken the precaution of blocking my HSBC credit card and have attached a screenshot for reference. date of XXXX and XXXX XXXX  I have block the card aswell and also raise the ticket, cyber complaint also done.
Product: Mortgage

Select Portfolio Servicing , inc. is the mortgage servicer for my property. They escrow payments and are supposed to pay taxes and insurance. My insurance company billed them and they did not send out the payment. SPS stated they did not receive the bill or have information. SPS customer service rep stated they received the information but the insurance issues are handled by another department. They said they do not have the information. I gave them the former year 's policy and told them where to send it. They said they need valid coverage. The coverage wasn't valid because they didn't pay it. I said I can pay it but they should send me my money that was escrowed. They were not helpful and stated it's my responsibility. My loan documents state they are to pay the insurance on the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE IS A LATE PAYMENT ON MY XXXX XXXX ACCOUNT-XXXX IN XX/XX/2019 THAT WAS NOT LATE. XXXX  HAS IT CORRECT BUT EQUIFAX AND XXXX  SHOW THE LATE PAYMENT AND ITS HURTING MY CREDIT SCORES.
Product: Credit reporting or other personal consumer reports

PLEASE SEE ATTACHED DOCUMENTS INCLUDED WITH MY FTC REPORT XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX. ) XXXX Balance : {$620.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX, XXXX Inquiry : XXXX. XXXX, XXXX
Product: Credit card

Date : XX/XX/XXXX Amount : {$20.00} interest for XX/XX/XXXX payment although account due XX/XX/XXXX was paid {$920.00} on a due bill of {$920.00} Consumer statement : we will not charge you interest on purchases if you pay your entire balance by the due date each month. 

Company explanation ( XX/XX/XXXX and recorded ) : We charge interest for 3 months following any partial payment until you are back in grace with three full months of full payments. 

The Issue : XXXX XXXX would not put this explanation in writing because it contradicts the statement about no interest charged for payments made in full. This written statement was requested because this explanation is provided no where in the bill. This consumer explained this appears to be a firm of credit fraud. The explanatory statement was made on XX/XX/XXXX at XXXXXXXX XXXX EST in a recording by a supervisor when the credit card disclosure was read to them and they were asked where in the bill this " 3 months grace '' rule is made. It is not in the XX/XX/XXXX AAA Visa credit card bill. This seems to be unfair, deceptive, and fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  IS SUPRESSING OUR CREDIT FILES, AND AS A RESULT CAN NOT GET A LOAN FROM MACUS. DEMAND XXXX  TO STOP INTERFERING WITH THE FINANCIAL CREDIT APPARATUS DESINED SPECIALLY FOR THE CONSUMER AND THE CREDITOR. SEE ATTACHED.
Product: Debt collection

XXXX XXXX XXXX does not have proper communication skills with their entire company. 
I was recently involved with a payment arrangement with them. After having the arrangement set up and making payments on the account I received court documents to comply with the company. I called and talked with someone about this and was told that it wouldnt be happening again. 
Not even two weeks later there are court papers that were tapped to my front door. These were not even served to me or anyone. These were placed on my home door. Along with that was my credit card statement and other personal information attached. This is extremely unprofessional and not acceptable.
Product: Checking or savings account

XX/XX/XXXX - card was charged for {$XXXX} from an unauthorized transaction, I notified Citibank and a hold and fraud claim was made on my account XX/XX/XXXX - Contacted XXXX and they emailed me replying that this was not me XXXX - Emailed dispute letter along with police report from XXXX XX/XX/XXXX - XXXX emailed me saying it was " XXXX who purchased XXXX iPads at {$XXXX} '' I AM NOT XXXX XX/XX/XXXX- Citibank sent a letter in the mail requesting more information and I emailed it back XX/XX/XXXX asking for what exactly was purchased and what did the original merchant say regarding the charge XXXX - Citibank sent another letter in the mail requesting the exact information again because they said they never received it. 

XXXX - I went to a citibank branch location because they were not getting any of my emails or fax 's so I gave them all my information to internally fax since it is " easier '' XX/XX/XXXX - Still no update from Citibank employee, it is still up to XXXX days Each phone call from Citibank has not been helpful. They are telling me that it can take up to XXXX days for the fraud to be resolved. I have given all the information they have asked for. I did no make this unauthorized purchase and every person and manger has not helped in any way. They have not provided me any provisional credit or resolve the dispute within the initial XXXX business days according to Regulation XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and TransUnion are both reporting a public record on my credit file. On my XXXX they have the court listed for this public record as XXXX XXXX XXXX XXXX. First, I am not a resident of Connecticut nor have I ever lived there. Just to go through the process I contacted the court clerk at the court listed and they had no record of the published docket number as well as stated they do not report to the credit bureaus. When I asked XXXX where they received the information they stated that the court provided the information to the bureau and that was a lie. Transunion did not ever provide a court name for me to contact. Just as XXXX stated the court furnished this public record to the bureaus TransUnion is stating the same thing which is untrue because again no courts report to the bureaus. TransUnion does not even list a court name to contact, but as the clerk of the federal court stated NO FEDERAL COURTS OR ANY OTHER COURTS UNDER ANY CIRCUMSTANCE REPORTS TO ANY OF THE CREDIT BUREAUS.
Product: Consumer Loan

I have been paying on my loan of {$4500.00} with Avant monthly and on time every month, then I noticed that in almost XXXX years at {$150.00} per month the debt has only decreased by {$610.00}.
Product: Student loan

I was never even made aware of income driven repayment options. Now my student loans are double the principle. I am hounded multiple times a day by Navient.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention the serious infractions committed by Advanced Resolution Services , Inc. regarding the accuracy and privacy of consumer information, as mandated by the Fair Credit Reporting Act ( FCRA ). This issue needs immediate attention and resolution to prevent further harm to consumers. 

Based on the information provided, it is evident that Advanced Resolution Services , Inc. is not reporting accurate information, a violation of [ 15 USC 1681e ] ( b ). This statute requires consumer reporting agencies to follow reasonable procedures to ensure the maximum possible accuracy of information pertaining to individuals in the reports they prepare. 

Furthermore, Advanced Resolution Services , Inc. is in direct violation of [ 15 USC 1681b ] ( a ) ( 2 ) of the FCRA, which permits consumer reporting agencies to furnish consumer reports only in accordance with written instructions from the consumer whose information is being reported. I would like to emphasize that I have not granted authorization to anyone to access my private and confidential records, including the information that your agency is currently reporting.

These transgressions directly infringe upon my rights as a consumer, particularly my right to privacy, as outlined in [ 15 USC 1681 ] ( a ) ( 4 ). It is crucial to ensure that consumer reporting agencies exercise their responsibilities with fairness, impartiality, and respect for consumer privacy. 

To rectify the aforementioned violations, I humbly request that you take immediate action to delete the erroneous items specified in the attachment from my consumer file within your agency. Failure to comply with this request will leave me with no option but to pursue appropriate legal action. 

I want to draw your attention to the seriousness of these violations. Identity theft is a grave offense, and these actions can be classified as aggravated identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). Knowingly transferring, possessing, and utilizing someone's means of identification without lawful authority is a felony punishable by up to two years of imprisonment, in addition to civil liability.
Product: Credit reporting or other personal consumer reports

I have reached out to XXXX, XXXX XXXX, XXXX XXXX  multiple times to dispute these incorrect accounts. I have also disputed them via the XXXX credit bureaus multiple times most recently in XX/XX/2023 with no response. These items are detrimental to me providing for my family and my financial well being. I have also asked for my name to be corrected there are several names listed and none of them correct which if they would get back to me they would know these are incorrect accounts just based on the incorrect name alone. Per 15 usc code 1681 they are violating my writes as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has me listed at a previous address in XXXX, Maryland. I have never lived in XXXX, Md. 

This need to be corrected. TransUnion consistently continues to get things WRONG ... very WRONG!!! 

I need this corrected and an explanation why incorrect entries continue to show up on my credit report and score.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 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 unfeasibly. The CFPBs findings indicate that Zelle have 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 consumers safety.
Product: Credit reporting or other personal consumer reports

I notice there are unauthorized credit inquiries made by the companies listed below.. 

To my knowledge, I have not signed any documents authorizing the companies in question to view my credit report. The listed Inquiries were without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Report Act 604 as well as a violation of my rights to privacy. 


EQUIFAX 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
Product: Credit reporting or other personal consumer reports

**Subject : Violation of Fair Credit Reporting Act ( FCRA ) Failure to Provide Debt Validation** Dear CFPB, I am writing to file a formal complaint against Sunrise Credit Service , regarding an entry on my credit report and their non-compliance with the Fair Credit Reporting Act ( FCRA ). 

**Details of the Complaint : ** 1. **Creditor/Collector Information : ** - **Name : ** Sunrise Credit Service - **Account Number : XXXX XXXX 2. **Nature of the Complaint : ** - **Date of Dispute Request : ** XX/XX/year> - **Issue : ** I do not have any recollection of doing business with Sunrise Credit Service XXXX Despite my request for debt validation, which I submitted on XX/XX/year>, they have failed to provide a proper debt validation or purchase order. 

3. **Violation of FCRA : ** - Sunrise Credit Service has failed to comply with the FCRA requirements by not providing a valid debt validation in response to my request. As required under 15 U.S.C. 1692g of the FCRA, they are obligated to provide verification of the debt upon request. Their failure to do so constitutes a violation of my rights under the FCRA.

4. **Requested Action : ** - I am requesting the immediate removal of this entry from my credit report. This collection account is inaccurate and unverifiable, and its continued presence on my credit report is adversely affecting my creditworthiness.

Please investigate this matter and take appropriate action to ensure Sunrise Credit Service complies with the FCRA. I would appreciate a prompt resolution to this issue and confirmation of the removal of this incorrect entry from my credit report. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX XXXXXXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Bank Processing Delay : I made my payment on time, but the delay in processing by XXXX  XXXX XXXX led to the late payment being recorded. Attached is a copy of the bank statement showing the payment date. The delay was on the part of the bank and not due to any action on my side. 
Discrepancy in Due Date Communication : There was an inconsistency in the due date communication, which I raised with XXXX  XXXX XXXX. The discrepancy between the statements I received and the payment due date caused confusion. I have attached correspondence with the bank that acknowledges this discrepancy. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

To cfpb, On XX/XX/2021, I applied for a secured credit card for small business account on Wells Fargo online application platform. Application Number for Small Business Secured Credit Card : Application No. XXXX After about a week or two later from not hearing from anybody at Wells Fargo regarding the status, I decided to call. 

I spoke with one of the CSR 's who stated by application had been halted because they hadn't received my collateral. She mentioned that I needed to get a money order & take it to a branch. 

I then went to their branch in City of XXXX, California and the branch manager there had no clue they even had the service. I then went again another day and still they wouldn't take my collateral. 

I then made a complain to Wells Fargo corporate escalations : XXXX XXXX and I am a Case Specialist in the Wells Fargo Enterprise Complaints Management Office. Who stated he will promptly attend to my concern. And nothing. 

I then called their customer service escalation and she advise for me to mail new money order to : Payment Remittance Center ( For Business Platinum and Secured Card ) XXXX XXXX XXXX XXXX, MN XXXX Which I sent via USPS tracking # XXXX. The money order was signed for and delivered on XX/XX/XXXX, XXXX. 

A few weeks later, I called again because of no communication from Wells Fargo and they stated that process was incorrect, that I supposed to send it to another address with a collateral transmittal form. 
So I went back to the XXXX to get another money order for {$500.00} and send per his instructions via XXXX tacking # XXXX delivered to XXXX XXXX XXXX XXXX XXXX # XXXX, Attn : Business Card Collateral, XXXX XXXX XXXX, IA XXXX. 

Since XX/XX/XXXX, Wells Fargo has not opened by secured credit card, nor they have returned the additional {$500.00} that went to Minnesota. 
I tried calling many times customer service, escalations, and nobody will take imitative in locating my money order, action it, nor want to be responsible for helping me recover my {$500.00} money order, but if they are not going to open my secured credit card, they now owe me {$1000.00}, plus taxi fees, postage, etc. 

Thank you
Product: Debt collection

On XX/XX/XXXX 2017, I called syndicated office systems to payoff all medical bills. One was for a {$100.00}, then another one for {$90.00}. But when I told her about the one for {$80.00} she told me she had no record of it, and if I wo n't it off my credit report I must Dispute it. I ca n't dispute it without a account number, and ca n't pay it. Because it 's not on there system.
Product: Debt collection

JPMCB Auto Finance illegal vehicle repossession and illegal reporting on consumer credit profiles. 

Violation of XXXX USC XXXX for non-judicial action Violation of XXXX USC XXXX for unauthorized disclosure of my personal information to a third party entity. 

Failure to Send contract cancellation after vehicle recovery and subsequent sale to remedy.
Product: Mortgage

I continue to have problems with Rocket Mortgage. The terms and conditions continue to change every time we go to close. I was to receive 2 months grace upon closing now it is 1 month. The amount has gone up {$1000.00}. The terms keep changing. If I had money
Product: Credit reporting, credit repair services, or other personal consumer reports

While I was in the process of trying to rent an apartment my credit report had to get pulled. I was denied due to several unknown items on my report. I then printed out a copy of my report from identity XXXX to check the reason Iwas denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These account do not belong to me. Please remove these items from my report. XXXX XXXX XXXX {$430.00} XXXX XXXX   XXXX {$480.00} XXXX XXXX XXXX {$760.00} XXXX XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX {$2600.00} XXXX XXXX {$17000.00} XXXX XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX {$670.00} XXXX   XXXX {$830.00} XXXX XXXX {$93.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Have tried to get Experian to block these accounts from my credit file.its been proven they were identity theft accounts.Police report etc.As well as getting copies of id and social used.nit mine.They are supposed to block or remove fraudulent accounts. The accounts I want blocked are XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX card services.They never did a proper investigation.
Product: Mortgage

Penny Mac has missed my renewal premium 2 out of the last 4 years which has caused my to have a lapse in my Home Owners insurance. Penny MAC is horrible, they don't communicate and always blame the other party.

Every year I have to reach out to them to follow up to make sure they sent payment and it is always late. How can a fortune XXXX company be so incompetent? Please look into Penny MAC, they are processing renewal payments 48 hours before they are due and the insurance isn't receiving them in time.