23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

TO Make the Story short I was Scammed by   XXXX   XXXX   XXXX   previously called   XXXX   XXXX   XXXX   located in NEW YORK who 's charged my upfront fees to Settle my credit card debit and kept my credit card in their possessions and charged my cards fraudulently and never paid my debit pls see Email attached As a result  American express credit cards  was charged off under my name and my SSN I kindly SETTLED those ACCOUNT to move forward in life and be happy and when i tried to apply f or american express card s i was disqualified and denied credit for CHARGE AND CREDIT TYPE of cards MY WIFE   XXXX   XXXX   XXXX   Add me as an Authorized user on her   XXXX   XXXX   XXXX   credit card for   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX  CREDIT CARD FOR   XXXX   XXXX   XXXX   XXXX       Since she add me in  XXXX  and AMEX has BEEN ALWAYS DENYING CHARGES when i called in to discuss with them last  XXXX   XXXX  about some charges as an authorized USER and i told them she is my WIFE they did the following AFTER they IDENTIFIED ME ( SPOKED WITH  XXXX   )  from  Credit DEPARMTNET Transfe red her account to the Financial REVIEW TEAM within their CREDIT department Who Conducted a very RUDE Financial REVIEW / INVESTIGTION as we call it by  XXXX   XXXX  she asked about the growth income from our TAX RETURN but she DID NOT consider our TAX RETURN DOCUMENT because it SHOWS A HIGH GROWTH INCOME, and she chosen to call my BANK TO VERFY the Balance at that time on  tw  o accounts we use to PAY AMEX, th en she used the BEGINNING BALANCE of  XXXX  to put a limit on the account because they have a problem with me previously as  XXXX  EVEN THOUGH i SETTLED and cleared the issues A devastating Financial REVIEW was conducted asking personal QUESTION of Who 's own the COMPANY and the NATURE of Business and WHAT IS THE RELATIONSHIP TO   XXXX   XXXX   XXXX   With me   XXXX   XXXX   XXXX   Discrimination TOOK PLACE TOOK PLACE and unfair Decisions causing us inconvenience and   XXXX   XXXX    Supervisors Could not help except by saying your bank account have couple  XXXX  and not a  XXXX  the is why we limit you account you are no longer enjoying NO PRE SET LIMIT ANY MORE we STILL CHARGE YOU ANNUAL FEES {$170.00} WE CAN CANCEL YOU ANY TIME you CAN CANCEL AND WE GIVE YOU REFUND FOR ANNUAL FEES BUT JUST CANCEL   XXXX   XXXX
Product: Credit card or prepaid card

XXXX ) XX/XX/2019 Purchased new mattress from Mattress firm with a new account issued by Synchrony Bank. 
XXXX ) Purchase amount was for {$2600.00} and qualified for 0 % for six years. 
XXXX XXXX Synchrony Bank refused to honor the sales agreement financing. 
XXXX ) Consumer attempted on numerous occasions to have Synchrony bank update and correct the account details. The attempts were via telephone, emails and mail. 
XXXX ) Synchrony bank continuously made threats to report the consumer as delinquent to the credit bureaus despite been provided confirmation from Mattress firm that purchase qualify for 0 % for 6 years. This was a violation of fair credit reporting act and caused damages exceeding {$6500.00} in home refinance and car loan. 
XXXX ) The law firm of XXXX XXXX XXXXXXXX has repeatedly refused to provide all information pertinent to this account such as A ) all Statements, B ) correspondence c ) Telephone call recordings and needs to be investigated as an accomplice in the fair credit reporting and Deceptive marketing practices. 
XXXX ) Exhibit a-c clearly show that monthly charges and interest charges were invalid.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent Transunion a letter requesting that they disclose the method used to retrieve/verify an alleged bankruptcy on my credit report. This was not a dispute but a request to verify the method ; however, Transunion initiated a dispute for this item. 

On XX/XX/2022, Transunion responded noting that the name and person used to verify the bankruptcy was XXXX XXXX XXXX Illinois. 

On XX/XX/2022, I responded to Transunion noting that I went directly to the Bankruptcy Court and in response to my inquiry they claim to have never verified this item with Transunion as they do not report or verify such information. This would mean this bankruptcy is by law considered UNVERIFIED. 

On XX/XX/2022, Transunion responded stating that they've completed the investigation and the dispute item is verified as accurate. 

Transunion has failed to disclose the method used to verify the alleged bankruptcy considering the courts do not verify this information.
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 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 unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

when original note are challenge to provide original black ink sign at the time closing, the co-conspirator Ocwen, XXXX XXXX bank XXXX debt collector XXXX XXXX, XXXX XXXX XXXX, and XXXX forge the note just like a criminal will forge a check the co-conspirator Ocwen, XXXX XXXX XXXX XXXX XXXX debt collector XXXX XXXX, XXXX XXXX XXXX, and XXXX fraud note just like a criminal would forge a check fabricate checks through the use of modern technology. 
fabricated allonge signer XXXX fabricated signature fabricated the assignments are these above the law to forge notes through the use of modern technology
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, authorize nor benefit from any of the following inquiries or accounts. Block and remove them. I Am a PROTECTED CONSUMER. I know my rights. I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block. Under 15 U.S. Code 1681c2 you must block all fraudulent accounts. Since I attached my form of ID, PROOF OF ADDRESS, & SOCIAL SECURITY CARD, This complaint lists someone that your company should recognize as their customer or their customers authorized representative.Since I attached my form of ID, PROOF OF ADDRESS, & SOCIAL SECURITY CARD, This complaint lists someone that your company should recognize as their customer or their customers authorized representative.
Product: Debt collection

TD BANK USA/TARGETCRED {$1100.00} I had a person from the county of XXXX in Michigan come to my door and serve me with paper on a debt I found out that I did not owe. I ended up paying the amount. However, it is still on my credit report. This account is settled and needs to be removed now. 

I reported this debit as fraudulent and it is still on my credit because they are using the payoff as a form of validity. Which, I think is wrong and spiteful. This was also in the wake of my finding out I am a victim of identity theft.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. XXXX XXXX XXXX Account number # XXXX has violated my rights. 1 15 U.S.C 1681 Section 602 A. states I have the right to privacy 1 15 U.S.C 1681 Section 604 A. Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions 3 15 U.S.C 166B A Creditor may not treat a payment on an account under an open and consumer credit plan as late for any reason
Product: Credit card

My husband lost his job in XXXX leaving my income as the only source for paying bills. It has become hard juggling rent, food, creditors and other debts. We contacted Capital One with our situation. With each month we are charged a late fee and over the limit fee. Each time we are told we must pay the minimum passed due amount, which has been difficult on our limited income. With fees mounting our monthly due is skyrocketing and growing out of control. We feel like even when he finds employment we will never be able to catch up and our credit will be ruined.
Product: Mortgage

This Mortgage Company XXXX keeps harassing me over and over and over again AND KEEPS LEAVING ME VOICEMAILS, This just happened again today XXXX and has been going on for months. It is a Robo call saying that they are from XXXX XXXX  XXXX. I have called them and asked them to take my phone number off there system. They responded that it is MY PROBLEM. The number that they calling from is XXXX in XXXX.
Product: Credit reporting or other personal consumer reports

As requested by my financial advisor I'm filing this complaint for the 3rd time. I am a victim of identity theft. There is a chase bank account reporting on my account for 8 years now. According to my credit report a " XXXX XXXX '' was opened on XX/XX/XXXXXXXX  with a {$22000.00} credit limit. As of XX/XX/XXXX the current balance is {$22000.00}. I am very frustrated with the effect it has on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Product: Credit reporting or other personal consumer reports

I did not authorize the creation of these accounts and have suspicions regarding their legitimacy. I kindly ask that you conduct a thorough review and expeditiously remove them from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of certain inaccurate items from my credit file. A list of these items is attached in a separate document for your reference. 

I am a victim of identity theft and have discovered multiple unauthorized accounts and inquiries on my credit report that I did not apply for. I respectfully request that these fraudulent items be removed to ensure my credit report accurately reflects my financial history. 

I have reported the identity theft to the Federal Trade Commission and have enclosed copies of the report as supporting documentation. In accordance with Section 605B of the Fair Credit Reporting Act, I request that you block this fraudulent information from my credit report as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called, I emailed the CEO, I wrote goodwill letters and more. I respectfully requested a goodwill adjustment to remove the late payments ( XXXX, 2019 and XXXX, 2019 ) from my file with all three reporting agencies. I also told them it's illegal because of 15 U.S. Code 1666b - Timing of payments and 15 U.S.C. 6802 plus 15 U.S. Code 1681a, ( 2 ) Exclusions ( i ). They still haven't fixed it.
Product: Credit card or prepaid card

On XX/XX/XXXX I changed my email address for my Capital One credit card account. I was about to lose access to the email address I had been using. On XX/XX/XXXX I was advised that Capital One was sending account correspondence to the old email address. I reported this to Capital One. 

On XX/XX/XXXX Capital One sent a required privacy notice to that incorrect email address. I contacted them again. They asked me to do no end of things but can't say that any of them have rectified the problem. They don't seem to care that they're sending confidential information to an email address that is no longer mine.
Product: Credit reporting or other personal consumer reports

I recently checked my credit reports and noticed billing errors. You are in serious violation of TRUTH IN LENDING ACT ( TILA ) 15 U.S.Code 1637 ( b ) ( 2 ) ( a ) and the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error
Product: Credit reporting or other personal consumer reports

I pulled a copy of my credit report and noticed fraudulent accounts that i need DELETED immediately. Under 15 USC 1681c-2, I am demanding the following fraudulent accounts be immediately deleted from my consumer reports as they were NOT accounts originated by myself nor were they authorized to be posted on my consumer report. This constitutes identity theft and they must be deleted immediately. PLEASE DELETE THE FOLLOWING FRAUDULENT ACCOUNTS : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I check my credit report today XX/XX/XXXX and I noticed the inaccurate account and inquiries reported on my credit report. also I received emails from the XXXX credit bureaus saying I'm using 3rd party? which is wrong because I'm the one sending letters and filling this complaint. No one help me from any credit repair company or 3rd party here 's the inaccurate account and inquiries I demand to delete immediately : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

THE WELLS FARGO ACCOUNT ( LETTER ATTACHED ) DOES NOT HAVE ANY DELINQUENCIES PER THE CREDITOR ITSELF FOR WHICH THEY HAVE APPROVED. 
PLEASE HELP ME TO REMOVE THESE NEGATIVES LATES FROM XXXX AND XXXX. BECAUSE THEY ARE NOT COOPERATING. 
THANK YOU
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed XXXX XXXX has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, XXXX XXXX the courts ruled each and every time that the XXXX  couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the XXXX XXXX that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have consistently maintained timely payments, so I'm perplexed by an error in my credit report. I seek accurate, updated records that reflect my on-time payments for those accounts.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees i have incurred. Despite having sufficient funds when transactions were authorized, i want charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is not helping me over the phone and are not correcting errors needed
Product: Credit reporting, credit repair services, or other personal consumer reports

My information has to be being used witout my consent
Product: Credit reporting, credit repair services, or other personal consumer reports

After I reviewed my report on Experian, I realized that the company was not making any changes, everything was being reviewed and wasnt changed and I discovered also on my status from cfpb my complaint was closed, please I need my complaint resolved immediately, all the late payments need to be deleted, because in 2019 the company has given us an extension for the issue payment and the government has given us also right to pay in the future, please I need my complaints resolved immediately.
Product: Credit card

I had booked a ticket with XXXX XXXX in XX/XX/XXXX for the amount of XXXX XXXX days alter, I filed a dispute over the above transaction with Chase credit card, since I did not recognize the transaction on my credit card. 

XXXX XXXX cancelled the ticket, because I had opened a dispute on the transaction Chase provided provisional credit in XXXX for the Chase rebilled me in XXXX citing that I had lost the dispute and I had to pay for my cancelled tcket XXXX XXXX claims that refund was issued on XX/XX/XXXX, after accepting my dispute ( Refund notice attached ) Chase says that they have not recieved any refund from XXXX XXXX and that I lost the dispute Attaching my request to open a dispute and refund notice issued by XXXX XXXX claiming that they have accepted my dispute Ticket details Booking reference # ( XXXX  ) XXXX Round trip Ticket details ( XXXX XXXX XXXX -> XXXX ) XXXX XXXX XXXX XXXX last name ) / XXXX ( XXXX ) XXXX XXXX ( last name ) / XXXX ( fn ) Email ID on booking XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.
Product: Mortgage

In XXXX 2014 I obtained a reverse mortgage on my home with AAG. I am attaching various items of correspondence detailing the exact nature of my complaint, as my daughter prepared a very comprehensive letter that specifically explains the issues in the proper chronological order. I believe that AAG may have deliberately pressured me into entering into a mortgage with a Repair Rider ( which I expressly objected to several times prior to settlement ), and then provided advice and assistance intended to steer me toward default. The agent I worked with to initiate the loan advised me repeatedly after settlement that commencement of repairs was unnecessary as he had alternative loan products that would be available to me after my new loan had been in place for six months. When the time came to move forward on those assurances, he disappeared with no further contact being possible. I then obtained an extension from AAG and explained that extreme weather conditions were preventing contractors from scheduling my repairs until after XXXX XXXX. An extension was granted until XXXX XXXX ; as I feared, circumstances beyond my control resulted in the need for another extension. I contacted AAG and was told to submit my request in writing, which I immediately did. When I called back to check the status of my request I was told by the supervisor of the Reverse Mortgage Servicing Department that she did not submit it to HUD for a decision. Her response to my questioning of this was that she did n't need to do so because she knew they would deny it. I feel this company quite deliberately acted in a manner intended to lead to my breaking the terms of the settlement contract, resulting in default on the mortgage.