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

On XX/XX/XXXX the divorce between my ex husband, XXXX XXXX XXXX, and I XXXX XXXX XXXX was finalized before XXXX XXXX at the7th Judicial Circuit Court of XXXX County. As part of the judgement XXXX and I agree the property we shared while we were married would be awarded to him. The judge ordered my name to be taken off the the loan through Bayview Loan Servicing LLC within a month of the divorce judgement. XXXX and I have had to fight with the loan company to have this done. I have signed two quick claim deeds, one on the day of the divorce judgement and another more recently. I have signed modification and assumption paperwork through Bayview Loan Serving LLC, loan # XXXX, to have this finished. After the modification paperwork was approved the loan company reported late payments to the credit bureaus from XX/XX/XXXX to XX/XX/XXXX. Since XXXX of XXXX XXXX and I have continuously been in contact with the loan company to have my name removed. We both have been lied to and given the run around as to why it has taken so long to have this done. XXXX paid Bayview Loan Serving LLC {$1500.00} in closing costs to have this done. They finally accomplished this in XXXX of XXXX, but still have not correctly reported this to the three credit bureaus. I have submitted two disputes with all three credit bureaus to have this corrected with no success. My credit has been destroyed due to Bayview Loan Serving LLC failing to have my name taken off of this loan. I would like the late payments and the loan completely taken off of my credit reports. Bayview Loan Servicing is engaging in illegal activity by their refusal to correctly report to the credit bureaus. They should not be allowed to conduct their business in this manner.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX im requesting to have all negative items removed due to fraud activity. i am a victim of identy theft. i have submitted all requested. documents and all reports such as FTC reports and also police reports to each credit reporting agency and i still get no response my rights are being violated and this issues needs to be fixed and removed off my credit report immediately. I have contacted credit agency several times and they keep telling me that all the items meet the requirements to be removed.
Product: Mortgage

The Money Source Mortgage Company made errors in posting our payments incorrectly. This has caused a chain reaction of late payment postings to our account. Our payments, which have included additional monies toward principal and escrow shortages, have been made approximately 2 weeks prior to the due date. They have turned our account over to the credit bureau as late/slow pay even when they assured us they would not. One of the Representatives that we spoke to did indeed find that this was entirely their fault. However, their reporting to the Credit Bureau has caused our credit rating to drop XXXX points. Repeated phone calls to the mortgage company has only created more problems. We have documented proof of every payment made, phone call and supposed resolution to our account. We have not been able to talk to a Supervisor concerning any problem when we requested. This company has not been able to post our regular payments, additional principal payments or additional escrow shortage payments properly. 
We would very much like to have these problems resolved, our credit re-established and in good standing. We have never had a problem with any other mortgage company that we have dealt with in the past as we have with The Money Source!
Product: Student loan

My Issue is with Sallie Mae I have XXXX student loans with this lender and XXXX of them have problems. The XXXX XXXX is for an original principal amount of {$16000.00} which was cosigned by my mother and XXXX is a {$3000.00} loan that covered XX/XX/XXXX semester. XX/XX/XXXX I received a Final notice of Default for the loan cosigned by my mother. I then called in to the collection agent who gave me XXXX choices. Garnishment for both me and mom, My Mother could settle the debt outright for about {$11000.00}, or I could pay {$5000.00} down and {$100.00} a month until the Loan Balance was paid down. Since neither I or my parents had those kinds of assets readily available, and since the Representative used in My opinion Illegal Scare tactics and attempted to seek my mother 's retirement assets and assets held in Joint accounts from my father, I decided to consult an attorney. In the presence of my attorney, We called XX/XX/XXXX ( I forgot the exact date ), and we called the collections Agent back. She even had the Gull to ask If I was not liquid, How was it that I could afford an attorney I did not answer, but I opt for legal insurance through my job. My attorney informed the collections Agent that my parents were not liquid and I did not have the access to cash and we negotiated a deal whereby I would pay {$2000.00} down and {$100.00} a month for the life of the loan. In this phone call I specifically asked the Rep if this would apply to XXXX LOANS and she said YES! Well It did not. XX/XX/XXXX, I began receiving Collections calls again.I called in in XX/XX/XXXX ( Or XX/XX/XXXX ) To try and put a stop to it. I Informed them of the deal that was reached and that the rep had said that it applied to XXXX loans. The Manager I spoke to then said that it was Impossible to apply the deal to XXXX loans even after she reviewed the record of the call and that the {$3000.00} loan was still delinquent. I said that she was going back on her word and that I refused to pay because I did not have the resources and because Sallie Mae Gave their word and now they went back on it. I wanted to go back to my attorney to deal with this, but doing so requires taking time off of work I can not afford, as I am out of vacation/sick time for the year. So far I have not responded to them since XX/XX/XXXX and I have a log of XXXX Voicemail from Sallie Mae Collections Agents. The calls begin on XX/XX/XXXX and the last VM I received was at XXXX. they call at all hours of the day and quite frankly this is Harassment. How many Man hours and how much money has Sallie Mae spend trying to collect this Debt? I want them to keep their Original Word that the Settlement reached Would Encompass XXXX Loans. I have paid as agreed so far and kept my end of the deal, but Sallie Mae has not kept their end. I furthermore want Sallie Mae to remove ALL derogatory remarks from my Credit report concerning both these loans. The last thing I want is for an immediate end to all collections calls and letters.
Product: Credit card

12 USC 1431 & 15 USC 1611 Powers and duties of banks Banks are required by LAW to provide small businesses XXXX XXXX XXXX XXXX funding without showing documentation.All you need is an XXXX XXXX XXXX 

15 USC 1691 You can not be denied credit due to credit score credit history or income. Any adverse actions in a consumer credit transaction is unlawful for any creditor to discriminate against ANY applicant for ANY reason ( including bad credit ) it is their duty to extend credit to consumers.

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

I am a victim of identity theft, and did not make the charge [ s ] .This incorrect information on my credit report is causing problems when I try to apply for credit. I did some research on how you handle consumer disputes. I believe you use a system called E-Oscar to handle investigations. Please do not rely or do the investigate using this system because its not 100 % accurate. I really need your help because at this point I dont know where to turn. Please investigate this matter, and get back with me when you are finished. I am writing to dispute the following information on my file. Please update, modify or remove any account that is not reporting with 100 % accuracy. 
I demand the following accounts be corrected or removed immediately. I noticed problems with the following accounts are fraudulent : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, AL XXXX USA Open Date : XX/XX/2016 Amount : {$6400.00} XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX, AL XXXX USA Open Date : XX/XX/2016 Amount : {$48000.00}
Product: Credit reporting or other personal consumer reports

Recently, I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that credit bureaus will investigate this account for me to ensure accuracy. 
Here is the account I am asking you to verify as accurate : XXXX XXXX XXXXXXXX XXXX account number : XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain inaccuracies on my credit report. These inaccuracies are related to accounts and information that are currently the subject of an ongoing lawsuit, which involves unfair credit reporting practices. 

Specifically, as these items are being litigated, and I believe they are being reported incorrectly or unfairly. I request that you cease reporting these items or update them accordingly, pending the resolution of the lawsuit. 

As the matter is actively being disputed through legal channels, I respectfully request that you not update or report any information related to the contested items until the lawsuit has been resolved. Under the Fair Credit Reporting Act ( FCRA ), I understand you are required to investigate and respond to disputes within 30 days. 

Please provide written confirmation of your investigation and any actions taken to correct my credit report. If the disputed items are found to be inaccurate or can not be verified, I request that they be immediately removed or corrected. Additionally, I request that you notify the other credit bureaus of any changes to ensure consistent reporting across all agencies. 

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Checking or savings account

XX/XX/26 I opened a Savings Account with Discover over the phone. When opening the account I was asked how I was going to fund it and I mentioned from a different account, the banker mentioned she will be able to assist me with the transfer at the end. At the end of the call the banker let me know she was unable to help me and I had to call my other banking institution to walk me through the transfer process. In order to get this special of {$150.00} when depositing {$15000.00} you have to deposit it within 30 days BUT THIS IS NOT POSSIBLE. I was able to deposit {$10000.00} via bank transfer BUT they will not accept a bank transfer, a CASHIERS CHECK or a personal check for the remaining amount so I am not able to get to a {$15000.00} balance. I have wrote to the company and they mentioned the only option is a wire, which if they told me prior they would've been fine but I already closed that account so this is not an acceptable solution. Thankfully my other banking institution allowed me to instantly deposit my cashiers check via mobile deposit so I am not stuck walking around with an {$11000.00} check. 
What annoys me the most is i wrote a check from my personal checking and they even deny that check... They state this is for fraud prevention but I have {$10000.00} in the account so I should be able to deposit my {$5000.00} check because I have plenty of cash to cover it. 
Ridiculous circumstance. 
When calling they also mention a XXXX minute wait that turns into XXXX minutes and getting hung up on.
Product: Credit card

On XX/XX/year> I received an email from XXXX that my Rooms-to-go account with Synchrony Bank had been closed . When I contacted Synchrony they said the account was closed because they have checked my credit and the credit usage for the account was too high. 
My original credit line was {$5000.00}. On XX/XX/year> my balance was {$1900.00}, and without communicating me, Sychrony Bank have decreased my credit line to {$2000.00} - causing my credit score to drop XXXX points and increasing my credit usage to 86 %. 
My complaints are as follows : 1- Synchrony Bank never informed me why they decreased my credit line considering I was making substantial payments.

2- Synchrony Bank never informed me that they were going to check my credit prior to deciding on closing the account.

3- Synchrony Bank never sent me a letter or left me a voicemail proposing a resolution prior to closing my account. 
As a result of their actions, my credit score has been highly impacted going from XXXX ( verified with XXXX on XX/XX/year> ) to XXXX ( today ). As a consumer, it's frustrating ( to say the least ) that an institution would offer you credit, only to play with it when it's convenient. I made my payments to Synchrony Bank on time, and paid more than the minimum. I had another account with them in the past, to which I paid off, and they never closed that. 
This action shows lack of transparency, and bad business practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

Though XXXX XXXX, I was notified of 2 collection accounts that was reporting on all 3 bureaus. I also confirmed this through phone communication with them. I then submitted my dispute by mail. I then received one letter from XXXX XXXX which I included in this complaint. I followed up with the bureaus on the XXXX with a letter stating that they have not complied with the law by not communicating with me the results of the investigations that they are compelled to do with 30 days. 

These collectors has not provided any information to me as proof that this debt is mine, yet continues to report this information to the bureaus. I have asked for the information in these communications that I will upload. They also did not respond in a timely manner or ignored my requests outright. I am submitting this on my own behalf. I have no other authorized third party.

These collectors did not provide HIPAA release to be able to collect on this debt. They did not provide any information to me asking for validation of within 5 days after intial communication per 15 United States Code 1692g ( a ). Failed to provide proper verification. Communication with bureaus violating my right to privacy providing them with false reporting. Under 15 United States Code 1681n ( a ) ( 1 ) these violations have caused damages to my personal credit due to false, misleading, unverified, and unvalidated information.

15 United States Code 1681a ( 3 ) ( A ) and ( B ) restricts sharing medical information and services such as listed as " Emergency Dept Visit ''.

No response when asked to provide signed contracts as well as no response within 30 days of dispute. Under 15 United States Code 1681c ( C ) ( 1 ) this debt has passed 180 days and should no longer be on a consumer report.

I still have not recieved a credit report with updated information from these agencies, nor mention that this disputes is or even will be listed.
Product: Money transfer, virtual currency, or money service

This is in regard to my concerns stemming from Zelle 's handling of disputes, particularly in the light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, Zelle failed to investigate my claims adequately. I was informed that recovery of lost funds was deemed impossible and irreversible. This raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

A hard inquiry regarding a XXXX XXXX XXXX XXXX has been added back to my credit report via XXXX and XXXX XXXX. Its showing under my XXXX report but after reaching out to XXXX themselves, they arent seeing it on their end. This inquiry was deemed fraudulent almost a year ago and was removed last year XXXX. It has appeared after almost XXXX months. The inquiry is dated XX/XX/XXXX of 2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I submitted a dispute against Regional Acceptance Corp. On XX/XX/2022 Regional Acceptance Corp. stated that the account information disputed meets the requirements of the FCRA . Regional Acceptance Corp, illegally reported my information to unaffiliated third parties without giving me any disclosures. Pursuant 15 USC Sec 6802 Regional Acceptance Corp. is required by federal law to give me three disclosures, I have not received documents containing the required disclosures pursuant 15 U.S.C Sec. 6802 ( b ). Regional Acceptance Corp., is in violation of many other federal consumer laws. I did not give Regional Acceptance Corp. permissible purpose under 15 U.S.C Sec. 1681b ( 2 ) to furnish this information on my credit report. Without my written consent Regional Acceptance Corp. is committing aggravated identity theft pursuant 15 U.S.C Sec. 1681a ( q ) ( 3 ). As a federally protected consumer, I know that my consumer report shall not include a report containing information solely as to transactions or experiences between the consumer and the person making the report pursuant to 15 U.S.C Sec. 1681a ( 2 ) ( i ). If the consumer report does not include transactions or experience, this account should not be on my consumer report. If Regional Acceptance Corp. continues to report this account to my consumer report, they will be held criminally liable for aggravated identity theft pursuant to 18 U.S.C Sec 1028a and extortion. This is my final attempt to have this matter rectified before pursuing legal matters. If Regional Acceptance Corp, would like to continue committing fraud and unlawful criminal activities, this matter can be further discussed in federal court where I will file for litigation for actual damages caused by Regional Acceptance Corp in pursuant to 15 U.S.C Sec 1640.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a {$130.00} balance on a checking account at XXXX XXXX XXXX at the beginning of XXXX but due to the pandemic I completely forgot about it. I was immersed in trying to straighten out my business funding and business bank account locally. I was contacted by XXXX towards the end of XXXX about it and immediately paid it by phone. Experian has been given a documentation SEVERAL TIMES provided by the bank ( attached ) showing it was paid off in full and closed with no further issues. But despite my disputing it several times with this documentation they have not changed the account information reflecting {$130.00} charged off. And since XX/XX/XXXX I cant file any more disputes.
Product: Debt collection

ON XX/XX/XXXX I received a call from USI Solutions stating that I owed money on a debt. Client : USI SOLUTIONS, INC Your Account Number : XXXX Original Creditor : XXXX CARD Original Account Number : XXXX Amount Due : {$7900.00} 1.  They stated that in XX/XX/XXXX I was making payments, but that the law firm went out of business. Man on the phone stated he used to work for that law firm and because we had a " rapport '' he was trying to help me. He also stated that a statute of limitations doesn't exist for debt. After a back and forth I gave my email address only, and hung up on them, once they tried to pressure me into calling them back and set up payments. They also told me after 5 minutes of conversation, that this call was being recorded, something they are legally supposed to do at the beginning of the call. 

2. I actually settled this debt years ago with another collector as it was passed on to someone else. It was removed from my credit report, of which I am now in good credit health. 

3. Even if this debt wasn't updated in their systems, ( even though it was settled and they are now coming back at me after 8 years have passed ) they did not tell me that it is " time-barred '' and they couldn't pursue it legally. 

People on the email they sent to me : USI Solutions XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit act, this creditor has violated my rights. Under 15 USC 1681 section 602, states I have the right to privacy. 15 USC 1681 section 804A section 2, it also states that consumer reporting agency can not furnish an account without my written instructions. Under 15USC 1666B a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Money transfer, virtual currency, or money service

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

I am a former customer of US Bank. I closed my account over 2 years ago now, due to the fact that I couldn't afford the overdraft protection fees associated with my account. I asked US Bank, to turn off my overdraft protection so that I wouldn't have to worry about incurring these fees anymore. I was told, by a telephone banker that the overdraft protection, was turned off on my account and that I wouldn't occur any more fees. After several months, I received a letter in the mail stating that I owed US Bank {$130.00} and change. I inquired about how I was given this amount, but I wasn't given a straight answer. The last contact that I was given, was by letter again stating that my amount owed had changed to {$320.00}. Every time, I received a letter there was not an option to have my potential debt, reported to the NSCRA as paid in full. I spoke to 2 different people today, XX/XX/18 and was told that if I wanted my debt to be paid and reported in full to the NSCRA, I  would have to pay the total of {$320.00}. I don't feel that I'm responsible for this amount, due to US Bank " padding '' my bill, and due to the fact that my overdraft protection was supposed to be turned off. I will gladly pay the current settled amount of {$130.00} paid in full with, US Bank if they will be willing to report to the NSCRA, that my account is paid in full, not settled in full.
Product: Prepaid card

Numerous times I was affected by Cash app. Ive had money taken off my card on Cash app and having had that money replaced after weeks of trying to contact customer service, which seemed nonexistence during the time I had trouble trying to get someone on the phone or talk to a human being numerous occasions over the last 2 1/2 years Now I have been waiting for a card since XXXX thats never come that I paid {$16.00} for and its now XX/XX/XXXXXXXX XXXX XXXX