23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Empower Finance Inc. is a scam business that violates FCRA laws and does not care about customers please be weary of this company, they will DESTROY your credit profile intentionally. They failed to collect payment on the scheduled time in XX/XX/year> which led to 103 % usage being reported on my credit report. After finding this out I had to call in and manually to submit my payment. I requested they update my usage for XXXX they told me they couldnt because they had to report accurate information for that cycle. Now it is XXXX I have a XXXX balance with them and they havent updated my account for the current cycle, my usage is still showing 103 % even though Ive had a XXXX balance for over a month. My credit has dropped nearly XXXX points for a {$350.00} line of credit. This small account has ruined me being able to close on my house. I have expressed the sense of urgency and how they are violating FCRA laws but they seem to not care. Ive sent numerous emails and now they are deliberately violating FCRA laws out of spite. This company is a scam and I will utilize every legal means available to get justice from this spiteful, disgusting company. I've contacted them numerous times via phone and email on the dates of XX/XX/year>, XX/XX/year>, and XX/XX/year> they keep telling me they will investigate and have a supervisor reach out however it has been several days I haven't received XXXX call. I desperately need my account information to be reported fairly but it seems they aren't reporting my information simply out of spite.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint due to some fraudulent addresses that are not mine possibility a family member of other relatives. 

XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX OXXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Product: Credit reporting or other personal consumer reports

15 usc 1692 ( b ) account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violated this law and needs to be removed ASAP. 

15 usc 1681 ( B ) accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  violates this law and needs to be removed ASAP. 

Credit reporting agency should not have the right to knowingly and willingly violate the law on any consumer report
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent XXXX lawsuit, highlighting significant issues with the platform. Despite using Zelle, numerous times and reporting discrepancies, my financial institution and XXXX failed to investigate my claims adequately. They inform me that recovering lost funds was impossible, and these transactions was unfeasible. The CFPB findings indicate has not neglected to protect consumers, but has also a lab repeat offenders to exploit the system, leaving users vulnerable to scams. this lack of accountability and transparency is an unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

Comenity Bank on behalf of XXXX card has been trying to collect {$99.00} from me since early XXXX. I called them on XX/XX/XXXX and send the letter of explanation and proof of payment to the address provided by Comenity Bank. In my letter, I also filed a formal complaint about the way Comenity Bank conducts it collection. Additionally, 1. Comenity is rude. I asked them to transfer me to their supervisor whom I talked to before. I provided the supervisor 's first name and her representative ID. The XXXX representative told me she could not transfer me unless I provide her extension. How am I supposed to know her extension? Isn't her representative ID good enough? 

2. The communications between Comenity and XXXX are flawed. Comenity and XXXX are transferring me between these two entities back and forth. One doesn't know what the other is doing. For instance, Comenity asked me to send my letter of explanation and proof of payment to XXXX. I did so on XX/XX/XXXX. However, I called on XX/XX/XXXX with respect to the correspondence. First, Comenity claimed I sent it to the wrong recipient. I should have sent the correspondence to Comenity. However, it was Comenity who told me to send it to XXXX. Then, Comenity said they saw I sent in some correspondence, but did not have the date and exact content. This is very bad record keeping.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I received an alert from my paid credit monitoring service ( XXXX XXXX  ), that informed me of changes to my credit score and/or report. Upon review of my credit report from all three credit reporting agencies ( TransUnion, XXXX, XXXX ), I was alarmed to find my credit score dropped over 100 points ( from XXXX down to XXXX ) without any reasonable cause for the points drop! I could not find any new derogatory tradelines or accounts or inquiries that would have contributed to the adverse effect to my credit score? There was only one newly added account which is a credit card. That account is in good standing and current according to my credit report as of this date. Therefore, I do not understand how such a negative change to my credit score has occurred, since there was no new derogatory information added to my report? The accounts I currently have in collection, have been there since XXXX, and my credit score has gradually been improving as my credit report shows. I honestly believe someone at the credit bureaus has entered inaccurate or false information, or has unjustly altered my credit score to reflect a 100 point drop from my previous score as evidenced by my credit reporting services, score tracker on XX/XX/XXXX. I have snapshots of my previous scores as well as my credit report for proof of my claim. Please help!!! Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried over the years to get my credit report from XXXX  free  XXXX  XXXX and cant. Also with equifax on their website I can never get my reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

Zelle did not have the proper disclosure on the transfer account, which creates an unsafe way to transfer your money. If it was sent accidentally to the wrong person, Zelle will not help you to get it back.
Product: Debt collection

1 ) After filing for a bankruptcy and having it discharged, Navy Federal Credit Union has a permanent message posted to your account that you see when you sign in on both the website and mobile app platform. The message states " Your account information is being provided for informational purposes only. Providing you this information is not an attempt to collect a debt. '' I've called and asked to have this message removed as there is no debt anymore because it was discharged. Therefore, this message only serves as a punitive punishment and " brand '' that Navy Federal gives its customers who fell on hard times and filed bankruptcy. Its as if they are constantly reminding you that you caused them a loss. 

2 ) I applied for a Navy Federal Credit Union credit card on XX/XX/2022 and was denied. I knew it was because of my bankruptcy that included a loss to them. However, I sent a message through the secure message portal asking if I will ever be able to reestablish credit with Navy Federal or will I forever be disapproved/declined for Navy Federal loan or credit products. On XX/XX/2022 I received a response that stated they are unable to extend credit to members who have caused Navy Federal a financial loss. The response also stated " If you are interested in repayment information of the loss account balance, please contact our Bankruptcy Department during normal business hours at XXXX. '' This goes against my rights as a bankruptcy filer. They shouldn't even be bringing this up to individuals who filed bankruptcy and caused them a loss. It seems like a subtle hint that if you pay them back they will then approve you for credit.
Product: Credit card or prepaid card

1. ) Received emails from XXXX XXXX stating a purchase made in XXXX, XXXX which I replied that I never made a purchase or have an account with XXXX XXXX. I called the XXXX XXXX XXXX XXXX. and that I never applied for an account or purchased any items. I proceeded to freeze my credit accounts with XXXX, XXXX and XXXX and have reported to then the wrong addresses on my report and all the hard inquiries and accounts in dispute. I received a debt collection notice on XX/XX/XXXX from Convergent - XXXX # XXXX - for XXXX XXXX account XXXX XXXX requesting payment of {$2200.00}. I have notified them on-line of my dispute with this debt- identify theft/fraud. I noticed on the 3 credit reports of 2 New York addresses that are not mine and are currently being investigated -- Addresses are : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, NY XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX. My credit score has dropped due to the identify theft/fraud of my name, personal information. 2. ) Received in the mail XX/XX/XXXX from XXXX  XXXX XXXX - Reference # XXXX of an account that was not approved from a XXXX XXXX XXXX card. I never applied for this credit card - again identify theft/Fraud. Please resolve this issue. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020
Product: Debt collection

On XX/XX/XXXX : My pandemic stimulus money held at XXXX  XXXX XXXX ; in which would also be unlawful-to take away stimulus money through their levy. 

This would be based on a prior judgement entered in the amount of {$13.00}, XXXX. XXXX plus taxed costs. 

This amount was supposedly a XXXX credit card that I had when I was previously employed there. However ; during the recession when jobs were lost in XXXX ; I had credit protection. 

Therefore ; there should be no outstanding bill. 

I notified XXXX and sent them proof of credit protection charges on my statements. XXXX states that a third party bought out the said amount account and that they have nothing to do with the outstanding bill. 

Main Street Acquisitions XXXX XXXX would be that 3rd party. Harassing and fraudulent he is. I faxed them proof { XXXX - XXXX } of credit protection charges on my statement as well. No response in 30 days. And no response until now ; when they levied my stimulus money from my bank account. 

According to a past complaint on XXXX XXXX XXXX  : Main Street is a passive account owner and does not make any direct collection attempts. A third party law firm working on behalf of Main Street obtained the judgment. 

The lawyer in my case would be XXXX XXXX XXXX XXXX, Such, XXXX XXXX XXXX. 

And even even if the above statement was true ; XXXX XXXX - debt collector is handling accounts as if direct collection attempts - would be directly from him.
Product: Mortgage

On XX/XX/XXXX I was XXXX overseas. Unfortunately when first arriving in country my pay was delayed for several weeks due to an accounting error that was beyond my control. During this time I was unable to make my mortgage payments also due to limited internet and computer access I missed another payment. I have notified my mortgage company that I am on XXXX XXXX military status and this had little to no affect. I was hit with numerous late fees, endless phone calls and they have greatly impacted my credit. The missed payments were out of my control due to delay in my pay. 
In XX/XX/XXXX I spoke with XXXX XXXX, VP, Loan servicing. During this conversation XXXX assured me that when I returned home, got my pay situation handled and got caught up on the mortgage at this time XXXX XXXX XXXX would update the report and change the late reporting to the bureaus as a sign of good faith. Unfortunatley XXXX XXXX is no longer with XXXX XXXX XXXX and I can not get anyone to return my calls. I have made several calls and nothing has been resolved. 
I have been with XXXX XXXX XXXX mortgage for 10 years and have never missed a payment. The only payments that were missed were XX/XX/XXXX and XX/XX/XXXX, however XXXX XXXX XXXX reports 30,60, and 90 day late payments all the way through XX/XX/XXXX. I made full and complete mortgage payments every month expect except for the two months XX/XX/XXXX and XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank some how turned off autopay without notifying me, months ago. Although I had multiple points of contact with bank I was never notified payments were not made/ late or that autopay was turned off. Funds were always available. Hold times to speak to a rep are over one hour. Each rep gives different and conflicting information as to which bank account was linked/ why autopay was turned off and how it was turned back on. I was only notified by an third party agency of 30 days delinquent. I made payment that day and paid bank card payment in full. Then magically the autopay was turned back on by bank ( not by me ) to the correct account. Bank does not return calls, makes it impossible to speak to a manager nor can give clear reasons for the failure of communication/ notification. Bank is not making good faith error to correct the erroneous credit report of 30 days delinquent. due to system error or explain clearly the mechanisms that caused the failure. Bank was not able to advise me of when and how I was notified of problems. Further more when I asked to close the account I was told that also could not be done without a call back. That I also never received.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my updated personal credit report and I noticed unauthorized credit inquiries still remain on my personal credit report I contacted these companies and asked them to remove their credit inquiries from my credit profile. 

I request that you initiate an investigation into the below inquiries on my credit report to determine who authorized these inquiries. If, once your investigation is complete, you find my allegation to be true, please remove these inquiries and send me an updated copy of my credit report at the address listed above. 

XXXX XXXX XXXXnquired on XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX If you find the inquiries referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation.
Product: Debt collection

I received an attempt to collect a debt in the amount of {$5400.00} letter dated XX/XX/XXXX from XXXX. The letter clearly stated " Unless you notify this office within 30 days after receiving this notice that you dispute the validity of the debt or any portion thereof, the office will assume this debt is valid ''. 

This clearly means that prior to that 30 days, the office should not assume that the debt is valid yet on XX/XX/XXXX, I received a credit monitoring alert that I had a new collection account which was reported by the company unlawfully and to make matters worse ; the item is showing as a collection item under the name Jefferson Capital System ( a company I have NEVER had communication with nor has an attempt been made to contact me ) and falsely reporting that the account was opened on XX/XX/XXXX. 

The letter further states that " If you notify this office in writing within 30 days from receiving this notice, that the debt or any portion thereof is disputed, this office will obtain verification of the debt or obtain a copy of a judgment and mail a copy of such judgement or verification ''. 

Please be advised I have requested VALIDATION { not verification } ( Notarized and mailed via USPS Within The 30 Days of XX/XX/XXXX ) of an item sold to XXXX by the original creditor/collection agency. I have received a response that clearly violates my rights. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the above mentioned accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to ALL 3 credit bureaus- XXXX XXXX XXXX XXXX Equifax several times to have this account with ( XXXX XXXX- name reported on my credit report ). The first time was for them to verify this account- ( XXXX ) and send me documents of their method of verification and proof. I RECEIVED nothing but a stall letter saying that I the account was verified. The second letter I asked for a reinvestigation and they replied with the same letter and ignored my request. I also pointed out some violations on this account to the bureaus that was also IGNORED. This account have different information reporting from each bureau which lets me know that they are also in VIOLATION of Metro 2 Compliance. Each bureau is showing DIFFERENT account numbers on my credit report, HIGH BALANCE, LAST VERIFIED DATE, OPEN DATE, & CLOSED DATE, just to name a few. This information is INACCURATE which explains WHY the 3 credit bureaus CAN'T verify this account and present me actual PROOF of their method of verification of WHO they verified this account with and the actual ORIGINAL DOCUMENTS bearing MY SIGNATURE. The account is ALSO reporting late payments which is illegal because a closed account is not supposed to report late payments.
Product: Checking or savings account

I have a complaint about my bank : Bank of America, freezing my accounts for 3 weeks. A debt collector contacted them & requested them the submit a payment. Not to freeze because funds paid in full. I was unable to, access my accounts because bank of America couldn't read. The lawfirm faxed the bank 3 times to, release the freeze.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX. 2024 I made a second request from Equifax and XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX. What the money you say I owe is for. 
2. A detailed explanation of how you calculated what you say I owe.

3. Copies of any and all papers that prove I agreed to pay what you say I owe.

4. A verification or copy of any judgment, if applicable.

5. The identity, name, and address of the original creditor.

6. Proof that the Statute of Limitations has not expired on this account.

7. Proof that you are licensed to collect in my state.

8. Your license numbers and Registered Agent or Agent of Service.

9. original signed documents
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an open and active account with the First National Bank of Omaha and have had the account for XXXX years and XXXX months. The card is reporting to the bureaus that the account is closed when it is an open/active account. This improper reporting is affecting my credit age so it looks like I have just started receiving credit XXXX year ago instead of XXXX and a XXXX  years ago. I have reached out to the lender and made disputes with the credit bureaus and no one has made any changes.
Product: Consumer Loan

Regional Management pulled my credit UNAUTHORIZED on XXXX XXXX, 2016. I have contacted the companies home office at XXXX, and they do n't seem concerned at all that they pulled my credit without my approval for a " prescreen '' for their live check program, and my score dropped XXXX points because of their inquiry. I am in finance and know the laws. They need to be investigated FULLY. Regional Management Corp needs to take their inquiry off my report immediately. They can be reached at Regional Management Corp, XXXX XXXX XXXX XXXX, XXXX, SC XXXX, XXXX ext XXXX.
Product: Money transfer, virtual currency, or money service

To PayPal : I am respectfully requesting that the hold on my funds/account be lifted. I am not necessarily requesting that my account be re-opened or allowed to continue to use the PayPal service, as I have already taken my business to your largest competitor and I am no longer in need of PayPals services. 

I have previously requested a review/appeal of my case which was denied. Although I still disagree with the decision to deny my appeal I will abide by it however because I feel that holding my funds for 180 days for a non-fraudulent violation of PayPals Acceptable Use Policy is excessive, and perhaps a punitive abuse of power. 

I understand PayPals need for holding funds for credit card chargeback purposes, however a review of my account history for the last year will reveal a very low chargeback rate as well as a high customer-satisfaction rate. I feel that any reasonable person would conclude that holding my entire balance for 180 days is excessive and may be viewed by some as punitive or as already stated, an unnecessary abuse of power and perhaps even contrary to the laws of some states. That being said I have no problem with, and agree to leave a balance of {$50.00} for credit card chargeback purposes for the duration of the 180 days. I feel that this is a fair resolution while still leaving PayPal with the means to charge back any future credit card disputes to my account. Please be aware that replying with the standard this is part of the terms of service that you agreed to will not satisfy my request or deter me from filing my complaints
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is still reporting, that I'm paying on that account, I have not paid on this account for XXXX or XXXX years, I am asking that you remove it from my report.