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

I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is very alarming.
Product: Credit reporting or other personal consumer reports

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, XXXX, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple credit cards on my report that are not mine. I believe someone used my information to get these card
Product: Credit card

On XX/XX/XXXX I made a very large online purchase from the online clothing merchant XXXX XXXX XXXX. On XX/XX/XXXX, within the merchant 's mandated timeframes and methods, I requested a return merchandise authorization and return label that was subsequently mismanaged by the merchant and all attempts to correspond with the merchant to remedy the situation went unanswered between XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, I filed a full, comprehensive dispute with my credit card issuer, Chase Bank, however, failed to accept and/or properly document pro-offered evidence and XXXX crucial, subsequent messages from Chase were relegated exclusively to a demonstrably obscure part of my online Chase account between XX/XX/XXXX and XX/XX/XXXX. Without any commonly standard follow-up attempts via phone, text, or email, critical information and evidence was not able to be relayed in a timely manner and the dispute was ultimately decided against me. Furthermore, Chase refused to escalate the dispute, evaluate any new evidence, or reconsider their decision based on the egregious breakdowns and stop-gaps within their own communications portal. As of XX/XX/XXXX, XXXX XXXX XXXX had received {$2000.00} of returned merchandise without ever issuing a refund or responding to emails, calls, or complaints, and Chase failed to adequately inform, counsel or protect me with regards to this matter having finally closed the dispute in XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of

a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score. Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation. The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Product: Checking or savings account

I have attempted numerous times to open an online account with TD Bank via their specific link to a special offer allowing me to earn {$300.00} when I set up direct deposit after opening a TD Premier Checking account. I continually get a message stating " your identity could not be verified in the public record ''. It is not asking me detailed information. It is only asking my name, SSN, DOB, DL info, address, and source of my income ( I am a 27 year veteran and former XXXX XXXX ). They state they have no other means to verify my identity and since this account must be opened online in order to take advantage of this promotion, there is nothing they can do because " the computers won't allow it ''. Now I am on a " junk '' email list from TD Bank which emails me reminders that I did not complete my online application. My last attempt to open an account and speak to CSR was on XX/XX/2018 from XXXX-XXXX EST. 
The company responded that I could still get the {$300.00} by opening up an account at a branch. The closest branch is nearly three hours one way ( XXXX, VA ) and I am a XXXX XXXX XXXX veteran who was born in the US, and been in the US military 27 years and worked for the Federal Government also. How can my identity not be verified?? It does not make sense and to tell me to go to a branch 3 hours away is not resolving the issue. Surely there is some method of verifying my identity - I have a valid passport, SSN, DL, and am willing to scan or mail any or all of these to have my identity verified. Please assist me in getting a reasonable resolution to simply open an online checking account - I have online accounts at XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, and others and never have been to any branch or office to open accounts at those companies.
Product: Debt collection

This is not my account when they called me I asked for as much information on the debt as possible, but they wouldn't provide me with any. 
They kept contacting me via email as well after I stated I wasnt the individual they were looking for. 
I also filed a XXXX.
Product: Credit reporting or other personal consumer reports

I need to inform you I was the victim of identity theft. I'm disputing the following accounts as they were opened without my knowledge, consent or authority. I contacted the companies and they said to file the FTC affidavit from the site identitytheft.gov. 

Please dispute the following accounts. They were opened without my knowledge, authority or consent. 

XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX.
Product: Credit card or prepaid card

A few weeks ago, I submitted a request to increase the credit limit associated with my corporate business account. Today, on XX/XX/2023, I contacted customer service to inquire about the status of the request. I was informed that a representative from the bank tried to contact me on XX/XX/2023. Unfortunately, I missed that call as I do not answer calls from unknown numbers. 

As a business owner, I often have a busy schedule and can not always be available at a moment 's notice. Additionally, I hold the status of a platinum with honors reward client, and I believe that should have warranted special attention and consideration. It is my belief that, under these circumstances, leaving a voicemail should have been a standard practice. 

I am deeply concerned that Bank of America 's handling of this matter may constitute a violation of privacy and data protection regulations that are put in place to protect customers ' personal information. 

The fact that I was not notified by any correspondence regarding the attempted contact and that the representative did not leave a voicemail or provide any other contact details further exacerbates my concerns. 

I would like to request that the bank conducts a review and investigation of their credit department to ensure compliance with privacy and data protection standards. 
Additionally, I believe the representative involved with the call on XX/XX/2023 should receive coaching to improve their communication practices. 

As a loyal and valued customer, I trust that Bank of America will address these issues promptly and take the necessary steps to safeguard consumers ' privacy and data. I hope that my complaint will be taken seriously, and appropriate actions will be taken to rectify the situation.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so.
Product: Money transfer, virtual currency, or money service

This is a resubmission or my initial complaint against Zelle, as their dismissive response requires no action from consumers. Your response to legitimate consumer complaints reflects exactly why the CFPB is suing Zelle under violations of the Consumer Financial Protection Act ( CFPA ) and Electronic FundTransfer Act ( EFTA ). Per the CFPB 's lawsuit filed XX/XX/year> ( XXXX XXXX ), Zelle failed to implement adequate fraud prevention measures and investigate consumer claims, resulting in over {$870.00} million in documented fraud losses. Your claim of " insufficient facts '' directly mirrors the lawsuit 's allegations of systematically denying valid consumer complaints. Under EFTA ( 15 U/S.C. 1693f ), financial institutions must conduct reasonable Investigations of reported errors. My complaint warrants a proper investigation, not dismissal!
Product: Student loan

On XXXX XXXX, 2017, we sent a payoff for a Navient-serviced student loan in the amount of {$6200.00}. Roughly 3.5 months later, Navient has failed to apply the payment to the loan, make a single phone call, or draft a single letter, or take any other action with regard to these funds. When contacted, Navient acknowledges the payment was mailed to their address on their website, received, and deposited, but was mailed to the wrong Navient address. This does not excuse their unconscionable servicing of these funds or their failure to make a single phone call, draft a single letter, or take any steps to apply the payment properly. Their confusing and misleading statements about a possible refund are no longer availing.
Product: Credit card

My {$350.00} payment never reflected my credit card balance despite showing it posted the same day, after my intial payment was returned so I made this second payment. I called once I week to check on this for a month and was provided conflicting information. I then started a claim. This claim was incorrectly submitted so it was cancelled, per a manager I spoke with. Due to this I am being held liable for the {$350.00} that USAA stole from me and never credited to my credit card. They refused to tell me what information I can provide to have this rectified and refused to look into this further.
Product: Debt collection

I have submitted XXXX letters demanding verification of debt and this company replies by stating they have verified the debt and are satisfied it is mine but I have not received any verification documentation as allowed by law. They continue collection efforts by continuing to report a negative account to all credit bureaus. They have deliberately ignored my validation requests and continue the collection process on an account that I do n't own. They refuse to provide me with any document containing my signature or any other information requested in my validation requests. They have added a notation to my credit report indicating my dispute and the fact the dispute is invalid as they have validated the account in house.
Product: Checking or savings account

On XX/XX/2018, I received a letter Key Bank advising me they were closing my Checking, Savings and Safe Deposit Box on XX/XX/2018 Key Bank stated the reason for this closure was my account relationship posed excessive risk to the bank, therefore they were closing everything in 30 days. 

I have made every attempt to figure out what was going on. I have never had a returned checked, overdraft on my account nothing. At one point I was depositing over close to {$15000.00} a month into this a account and never had a problem. So this came as a huge surprise. 

I contacted XXXX XXXX XXXX and they finally narrowed it down to a transaction onvXX/XX/2018 : Transacting ( or attempting to transact ) with an account in an unauthorized or prohibited manner. 

I have the Bank Manager at the local Key Bank near me and was they saw no problems with the transactions that happened on XX/XX/2018. 
The information Key Bank is reporting is completely incorrect and is preventing me from opening another bank account.
Product: Credit card

I have diligently established automatic payments on all my credit cards to ensure timely payments and uphold my excellent credit score. Bank of America was no exception, and I entrusted their system to process payments reliably. I had auto-payment set up since XXXX  with Bank of America and , till date, never canceled/discontinued that service. I was notified by XXXX regarding a XXXX score drop on my credit score based on " delinquent payment '' status on Bank of America . Upon enquiring with the bank, I was told that my automated payment had been deactivated and that I had " missed payments '' for the months of XXXX and XXXX XXXX based on my auto-payments being deactivated, which I neither was made aware of nor authorize. However, despite my consistent efforts of contacting Bank of America to rectify their error, they have refused to make efforts to acknowledge their system 's mistake and, thereby, amend the information they had submitted to the credit bureaus. 

Because of this system error, my credit score has suffered a significant drop, plummeting from XXXX to the XXXX  within a week, due to XXXX " missed payments ''. This setback jeopardizes not just my hard-work of reaching an " excellent credit '' status, but also my plans for the near future- to secure a mortgage for my first home, a milestone I've diligently worked towards. 

I have always maintained my auto-payments active, recognizing their crucial role in my financial management. It is disheartening that Bank of America failed to fulfill their obligation to process these payments promptly. As a result, I now find myself tasked with rebuilding my credit, a burden unfairly imposed upon me through no fault of my own. 

Despite my efforts of diligently paying off my Bank of America credit card, the oversight in the last XXXX months has caused a major disruption amidst significant life events. The sudden interruption in auto-payments is perplexing and concerning, as it undermines the trust I've placed with this institution. Bank of America must rectify this error promptly and communicate with credit reporting agencies to ensure they understand that this decline in my credit score rests solely on the oversight of the company and not on my financial responsibility.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a copy of my credit report today XX/XX/21 because I am planning on hopefully buying a home later this year however, I noticed that there are a few credit inquiries on my report that are not mine. The inquiries are from different companies all of which I have never applied to ; I did not authorize these companies to run or access my credit file nor am I affiliated to them in any way. I don't know who is responsible for these credit inquiries but I have taken it upon myself to file a police report as well as complaint with the Consumer Financial Protection Bureau in hopes of getting unauthorized credit inquiries removed.
Product: Payday loan, title loan, or personal loan

I was contacted by a " currier '' who did not have a correct address and only verified my first name. He gave me a # and a reference # to thus company. No name given. I called. No recording disclosure or mini miranda. No company name or name of person. She only verified my first name..never once asked my last name. Had the last  4 of  my  SSN wr ong. And when I said it was wrong continued disclosing. Stated to me I had until   XXXX   XXXX   today to pay {$580.00} or they would charge me with intent to defraud a financial institution. And it was in my best interest to be at my residence for the currier. If not she wished me best of luck. I already have a panic disorder and health issues I am out of work. This conversation was threatening to me and I do n't know where to go with this. I do owe that company they called about but I contacted them yesterday. They already sol d it to United Debt Holdings . .. .which is who I talked to yesterday. I have both #  s a nd the reference #. They probably have me listed as   XXXX   XXXX  . My last name has now changed. I will not provide my SS # because they did n't have the la st 4 right t o begin with.
Product: Credit reporting, credit repair services, or other personal consumer reports

attached is the CERTIFIED MAIL FROM USPS XXXX. Equifax is discriminating against me and refuses to pick up my mail that i sent. Its been over 60 days and no response nor results!!! This is illegal and blatant violation of my federal rights. 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been well beyond 30 days and you are in VIOLATION of this law because I am victim of identity theft!!! Please delete these items as soon as possible! CHILD SUPPORT ENFORCEM Account : XXXX Inquiries : CITIZENS BANK MONTANA XXXX XXXX These accounts should not be furnished on my consumer report as they are in violation Under 15 US Code 1681b - A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) IN ACCORDANCE with the WRITTEN INSTRUCTION of the consumer whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. No CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX. I AM NOT XXXX. FIX IT NOW
Product: Mortgage

On   XXXX   XXXX   XXXX   I was approved for a property tax deferral by the Oregon Department  of Revenue.   This program is for seniors and people on  XXXX  below a certain income level. Under this program, the state pays the property tax to  the county  taxing authority. The tax and interest are due to the state at the time the property is sold.    Wells Fargo Home Mortga ge is the mortgage holder on my house. My   XXXX   XXXX   payment was reduced from {$1100.00} per month to {$870.00}. At that time I was also issued a refund of {$2500.00} from  Wells Fargo  for the overpayment I had made to the escrow account. for property tax.   Since t hen Wells   Fargo has made multiple  attempts to collect property tax from me, claiming that I owe them for property tax. On   XXXX   XXXX   XXXX   I received an email  from Wells Fargo stati ng that the payment they received on   XXXX   XXXX   XXXX   for {$870.00} would not be credited to my account because they had increased my monthly payment amount by {$560.00} per month to {$1400.00} per month for my 30 year fixed rate mortgage. " ... Since we 're unable to make partial payments to the loan, we 'll hold these funds until you make the rest of your payment ... '' No changes have taken place with my property tax deferral. It is not due for renewal until the   XXXX   tax year.  Wells Fargo has  not paid property tax for  XXXX . They will not pay property tax for  XXXX .
Product: Student loan

I took out private student loans through Navient, and they went into default in 2008. It was at some point sent to XXXX XXXX XXXX, and I setup payments through them. I've been paying the collection agency faithfully for the past probably 6-7 years. No missed or late payments. About 2 weeks ago, I receivedan email from the collection agency that the payments were canceled. No explanation given, and when i tried calling it says they are closed. I then today received a letter from Navient about my loans being in default. When I called them, all they told me was that XXXX XXXX stopped handling the debt, and that my only options were to make a settlement or pay in full. I asked for a letter and they refused to send me anything about the loan. I received zero help or information.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 
XXXXXXXX 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 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

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"