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

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

Im contacting to formally voice my concerns about Zelle 's dispute resolution process, especially in view of the recent CFPB complaint that brought to light serious problems with the platform. Despite my repeated use of Zelle and my reporting of inconsistencies, neither Zelle nor my banking institution sufficiently looked into my claims. They told me that it was impossible to track these transactions and to reclaim lost money. According to the CFPB 's findings, Zelle has not only failed to safeguard customers but has also let repeat criminals to take advantage of the system, making users susceptible to fraud. 
This lack of transparency and accountability is intolerable and poses major risks to consumer safety.
Product: Mortgage

We were on automatic payments with NewRez for 2 yrs no issues until XX/XX/XXXX they stopped taking payments. Did not notice until the second payment was not taken out for XX/XX/XXXX. No notice, email, or call. Recieced letter mid way through XXXX about missed payments. We changed nothing on our side. Website showed we did not have an account set up for payments and told us we had to reapply to set up autopayments. Even though we paid the back balance with the account they said we do not have on file or set up. Next shows we have autopayments still set up. Ok shows that next payment is set for XXXX. Come XX/XX/XXXX the website show no account or autopay set. Says to resubmit. Log in next day autopayments are showing again. Day XXXX of XXXX no autopayment is showing manually paid and is still not taken out of account. When we contacted they they said the issue is not on their part but our side. We have had XXXX for 17 years paid our mortgages on autopay through them and never had an issue. Over 11 years with XXXX XXXX not 1 issue. XXXX buy new house mortgage gets sold to NewRez no issues first 2 years and now this. Dropped my credit report over XXXX  points because of this and never had a missed payment in 20 years. This trash and I should not be pu ished for their mistakes. I hate this company and they have hundreds of reviews saying the same things. Worst company ever had to pay or depend on.
Product: Credit card or prepaid card

I moved at the beginning of XX/XX/2019. I changed my address and my cards all worked fine -- even my new zipcode worked at the gas pump. My address was correct on the account displayed on the website and I changed everything properly and timely. 

I was married on XX/XX/2019. On my way to my honeymoon, I stopped to get gas and my card doesn't work. My audible subscription trial doesn't work for the roadtrip. I spent 2 HOURS on the phone on my HONEYMOON to rectify the problem ( I had booked all the events on my Regions Credit Card ). I spent more hours fixing reservations until the card was cleared. 

Why was it locked? Because REGIONS put my street address down INCORRECTLY and the statement returned to the billing center. This apparently is policy. No TEXT, EMAIL, ONLINE WARNING, PHONE CALL was made to let me know that my card was locked. 

I incurred late fees on utilities and a myriad of other complications ON MY HONEYMOON. 

Region 's solution : " Well, I do apologize for that. If you have any fees that were incurred on your card, we can reimburse you. '' However, my fees were through the utility company and I switched payment methods. 

Thus, I canceled my credit card and soon plan to cancel my checking account with Regions ( 20 years loyal ). 

I was offered NO REAL RECOURSE. NO REAL RECOMPENSE. NOTHING. 

THIS PRACTICE IS NOT STATED EXPLICITLY ANYWHERE IN THE BILLING STATEMENT. " IF MAIL IS RETURNED, CARD WILL NOT WORK. '' OR " IF OUR BUSINESS MESSES UP YOUR ADDRESS, YOU HAVE TO BEAR THE FINANCIAL AND TIME BURDEN TO REMEDY OUR MISTAKE. ''
Product: Credit card or prepaid card

I received a bill in the mail from Chase. I paid and mailed the {$18.00} bill on XX/XX/XXXX, then realized that the bill was for purchases at XXXX in XXXX, IL. I never use XXXX and did not make these purchases. I called the customer services number on the bill. I talked to an agent, who then transferred me to security. The security agent asked for my social security number to check my identity. I know better but gave her my number. Then there was interference on the phone line and I couldn't understand anything else she said. I hung up and called the customer service number on another Chase bill ( which was a different number ) .. I spoke to another agent who told me my name was not on the Chase account in question but it was listed with my address. I checked the 2 Chase credit cards in my possession and gave that information to the agent. I had no credit card for the Chase bill I most recently paid. I was transferred to fraud alert dept. That agent told my the customer service number on the recent bill was not a Chase number. She is looking into my complaint and will get back to me. I called the 3 credit bureaus to freeze my accounts and filed a report with local police department.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN REPORT # XXXX for XX/XX/18 After submitting online and writing personal denying 609 Letter of original confirmation of medical debt and chain of title ownership and final ownership of buying medical debt paper from the collector before them Medical debt over 7 years old Refusal of removing incorrect info after 12 months of proven attempts Creditor XXXX XXXX XXXX acct # XXXX Debt of XXXX Dollars Original Creditor XXXX XXXX XXXX After several attempts creditor XXXX XXXX XXXX over 12 months could not provide ownership proof of debt Refusal of 609 letter clear violation of Fair Credit Reporting Act
Product: Mortgage

On the evening of XX/XX/XXXX, 3 business days before planned closing date of Monday XX/XX/XXXX, I received new disclosure documents. On this document was a new 1 % point, on top of the already disclosed and expected {$990.00} fee. This was a {$1700.00} extra fee, increasing my out of pocket c! doing costs by nearly 20 %. They knew rates were rising and it would take another month to finish, which would add hotel expenses and other fees to start over with another company, as well as risk the owner taking my earnest money and putting back on market
Product: Mortgage

My home mortgage loan was purchased by Planet Home Lending at some point at the beginning of this year. I created my online account with Planet Home Lending on XX/XX/22 after my original loan officer who completed my loan in XXXX notified me of the change. I made a manual payment that day with confirmation number XXXX and attempted to sign up for autopay. I never received a confirmation of enrolling in autopay The following month after realizing my payment had not be deducted I logged in to realize the payment never pulled. On XX/XX/22 I again made another manual payment with confirmation number XXXX and enrolled again in autopay. This time I did received a confirmation of my autopay enrollment on the same day XX/XX/22. 

Since this time, no communication has been received from Planet Home Lending until today when I received an email at XXXX PST asking me to contact the company with the following message : " XXXX XXXX Please call Planet Home Lending , LLC toll free at XXXX from XXXX to XXXX M-F and Saturday XXXX to XXXX Eastern Time Thank you, Planet Home Lending , LLC XXXX : XXXX '' After calling in I discovered the reason for the communication was because they had canceled my autopay without notifying me and did not pull payments for the following months, XXXX or XXXX. They informed me they contacted the credit bureaus on XX/XX/XXXX to report the lack of payment on the account which resulted in over a 100pt drop on my credit score which until now had a perfect payment record across all accounts. 

I ultimately was directed to the highest supervisor available - XXXX  ( Employee ID - XXXX ) who ultimately declined any help in resolving this matter after admitting Planet Home Lending was the party who canceled the autopay without any sort of communication to me. She only committed to removing a single late charge from my account and refused any further help. I have already paid the outstanding payment amounts to bring the account current - minus any late fees. 

I have included the chain of emails below that documents the development of this incident
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXXXXXX 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, GA XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX , GA XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX , GA XXXX ; XXXX XXXX XXXX XXXX  XXXX , GA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$580.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$4800.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$770.00} ; XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$150.00} ; XXXX XXXX XXXX XXXX Balance : {$820.00} ; XXXX XXXX XXXX Balance : {$730.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$4800.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$630.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$1600.00} ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX  XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX  XXXX XX/XX/2022 ; XXXX XXXX  XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XX/XX/2022 ; XXXX  XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX  XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an XXXX card issued by XXXX XXXX XXXX XXXX I never had any late payments on and even had autopay and scheduled payments enabled. I tried to call them multiple times because out of nowhere they had a glitch, closed my account and reported a false charge off on my credit reports ( XXXX, XXXX and Equifax, I checked my reports this morning ). Their customer service isnt even working right now either and my FICO score dropped by 13 points as a result and Im very angry and frustrated. Sending this in case XXXX does not fix this glitch. It has affected my account and damaged my credit. Lots of others have been affected as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complain once before regarding an older account that I had with my husband jointly that I was forced to pay. He and I were no longer together and he was told by a judge not to utilize any accounts, yet he did and it was clearly for an item associated with him. A gym membership to be concise. XXXX   advised me to get a police report in order for them to take into consideration and I did. This time around there is Fraud on my report and that was reported not only to the police but the XXXX because an ID Card of some sort was made using Maryland when I have been a bonafide District of Columbia resident for over a decade. I am tired of having this affect my ability to bank within normal capacity and something needs to be done as it is unlawful to maintain a record of fraud on someone's report. I have not had any problems with companies that understand how the Fair Credit Act works. I am wasting time and resources fighting this agency and do plan to file a complaint with The Office of Attorney General today as well. I have given the police reports and formally written dispute via U.S. Mail.
Product: Debt collection

National Credit Systems called in XXXX stating that we owed {$82.00} after moving out, I explain that this was not accurate and that I would reach out to the complex. I received an updated statement stating that we did not in fact owe money but was receiving {$180.00} from the security deposit. I received another call in XXXX for {$85.00}, I explained that we have received our deposit from the company so there was no way possible we owed this amount. This was ignored.
Product: Money transfer, virtual currency, or money service

late XX/XX/XXXX i requested money be moved from my ira to my checking account i called the bank and they said to scan the request in i did so but i did not here anything i called the bank in early XX/XX/XXXX and the bank said they do not take scans the request and to be made by fax or in person i faxed the request on XX/XX/XXXX i did not here any thing so i called in late XX/XX/XXXX the bank said they had received the fax and it would be 6 to 10 weeks i told them i needed the transfer in XXXX for tax purposes the bank said they could back date the transfer if necessary on XX/XX/XXXX i called to check when i was going to get the money the bank on XXXX said the transfer was denied because my birthdate was not on the fax this not true my birthday was on form i faxed and that i would have to start all over i now have a tax problem for my XXXX return and i can not get money XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$13000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNT 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, allegedly systematic issues, such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes.These failures align with my experiences, where Experian has neither corrected nor removed disputed items despise the evidence I provided, causing ongoing harm to my credit standing. I requested immediate, corrective action to remove, or amend the disputed accounts as Experians inaction violates federal law in my right as a consumer.
Product: Credit card

I applied Wells Fargo XXXX XXXX Visa Card last week ( Application reference number : XXXX ), and they asked me to provide my visa status. I gave my XXXX XXXX information, and they pulled my credit. Today ( XX/XX/year> ) they denied my application with unknown reason since i have XXXX credit score! I want Wells Fargo to remove the hard inquiry from my credit report since there is no good reason to deny my application.
Product: Debt collection

I opened an account with XXXX in 2005, The card was paid in full and closed. I owed no money in the credit card before I closed it yet MIDLAND FUNDING LLC has this account in collection with the full credit amount / total that was paid off. MIDLAND FUNDING is egregiously Violated Fair Debt Collection Practices Act ( " FDCPA '' ), the unfair collection practices by reporting on my credit report an account that was fully paid for before closing.The same account that is being reflected by the original creditor ( XXXX ) on my credit report as paid in full and balance as XXXX, Mid land funding a collection agency is reporting as i own a balance of XXXX. The credit limit on that account was XXXX and was paid off even before exceeding the limit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian credit Bureau makes it their intent to keep you from talking to an individual pertaining to fraud  on your account. I called XXXX XXXX XXXX ) to be treated with hello please give us your social security number so I can look you up. Now that sounded like fraud not stating who you called instantly asking for your social security number. Then youre told by a computer you can not talk to a person. How can you call in and dispute items if the credit bureau refuses to acknowledge your existence outside of a computer? Then I called XXXX which said call the computer line which will not allow you to address issues with a live person so they can understand what you say. I Then called XXXX. Again no person to discus the issues of fraudulent activity on my account. I have several payments Ive been trying to dispute but it says to call in, why to talk to a computer that caint understand what youre saying? Ive got a large amount of fraud to dispute from unsolicited credit card, hard and soft inquiries out like XXXX XXXXXXXX and XXXX XXXX  which has made almost 30 hard and soft inquiries. XXXX with Experian also has posted un requested inquiries. XXXX does not accept banks that are not national, Experian sells their credit services but prevents the consumer from being able to upgrade their credit report because now they dont recognize the bank you use. Experian, XXXX, and XXXX all need revamped to where they take care of the consumer not barricade the business behind the bureaus to violate the consumers and help perpetrate fraud on your account to reduce your score to increase business interest rates.
Product: Checking or savings account

Date repor ted :  XX/XX/2014  U.S Bank Operations Center   XXXX   XXXX  , MN  XXXX  Account ending :   XXXX    Social  XXXX  The financial Institution has reported me to  XXXX  and I am unable to open accounts at any bank do to this. The a ccount in my name was abused and fraudulently opened by an ex- girlfriend with access to my accounts to support her own downfalls from a bad break up. This was reported on my behalf several times and I have disputed the matter and still have not received any support or help to remove this item. I have no clue or what the abuse or if any amounts are due that I feel I am no liable for at this time. Any assistance would be greatly appreciated!
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been trying to remove a charge off account as soon as I turned XXXX and was able to look at my credit report. This account was supposedly opened in XXXX of XXXX, but I was a minor as I was XXXX XXXX XXXX. I didn't open this account and after months of disputes It has become increasingly hard to have this removed from all of my credit reports. My credit is terrible and I'm even having trouble just trying to get a secured card. Please I'm at a loss of where I can continue from here, I really need some help. Thank You!