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

My mortgage account with XXXX XXXX XXXX is not reflecting that it is paid off on my TransUnion report and I recently tried to contact XXXX XXXX XXXX to no avail.
Product: Credit reporting or other personal consumer reports

My account was hacked and someone applied for a XXXX credit card. That part is all fixed with XXXXXXXX XXXX. I placed an alert on all 3 reports. XXXX and XXXX removed the inquiry from XX/XX/XXXX. TransUnion is giving me a hard time to do that. 

Hope it doesn't look funny as I have a more recent XXXX now that's real for a XXXX XXXX XXXX. All I'm trying to do is remove the Inquiry dated XX/XX/XXXX from XXXX ( XXXX ).
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, PA XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX : Request for Immediate Removal and Deletion of Inaccurate Accounts Dear Sir/Madam, I am writing to formally request the immediate removal and deletion of the following accounts from my consumer report, as they have been inaccurately reported without proper notice or my consent. The relevant accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX **Equifax Account # : ** XXXX XXXX Account Type : XXXX ( Credit Card ) - Balance : {$6400.00} - Status : XXXX - Date Opened : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX & Equifax ) - Last Reported : XX/XX/XXXX ( XXXX XXXX XXXX ), XX/XX/XXXX ( Equifax ) XXXX XXXX ( Original Creditor : Avant/WebBank ) : ** - **XXXX Account # : ** XXXX - **XXXX  Account # : ** XXXX - **Equifax Account # : ** XXXX - Account Type : XXXX  - Balance : {$7100.00} - XXXX : XXXX - Date Opened : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX & Equifax ) - Last Reported : XX/XX/XXXX ( XXXX & XXXX ), XX/XX/XXXX ( Equifax ) XXXX XXXX XXXX XXXX ** - *XXXX  Account # : ** XXXX - **XXXX  Account # : ** XXXX - **Equifax Account # : ** XXXX - Account Type : Installment ( Child/Family Support ) - Balance : {$1200.00} ( XXXX & XXXX ), {$1200.00} ( Equifax ) - Status : Collection/Chargeoff - Date Opened : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX & Equifax ) - Last Reported : XX/XX/XXXX ( XXXX & XXXX ), XX/XX/XXXX ( Equifax ) XXXX XXXX XXXX XXXX **Equifax Account # : ** XXXX - Account Type : XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1000.00} - Status : XXXX XXXX XXXX XXXX Date XXXX : XX/XX/XXXX - Last Reported : XX/XX/XXXX None of the creditors or collection agencies provided proper notice within the specified time frame, nor did I instruct or give written consent to furnish any information on my consumer report. Additionally, re-aging accounts by updating dates is a violation of the FCRA Section 605 ( c ). 

According to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e, 15 U.S.C. 1681b, 15 U.S.C. 1681 ( e ) ( b ), 15 U.S.C. 1681i, 15 U.S.C. 1681i ( 5 ) ( a ) ( i ), 15 U.S.C. 1692b, and 15 U.S.C. 1692c, I request that you take the following actions immediately : 1. Remove and delete the inaccurate accounts listed above. 
2. Provide detailed information regarding the steps taken to verify the validity of these alleged debts. 
3. Ensure that these accounts are permanently removed from my consumer report and notify me in writing once this has been completed. 

Please be advised that for every violation of my consumer rights under the FCRA, I shall be compensated up to {$1000.00} as stipulated by the law. Failure to comply with this request will result in further action. 

I appreciate your prompt attention to this matter and expect a response within XXXX days. 

Sincerely,
Product: Debt collection

The XXXX XXXX never sent me written notice of this debt. I would have contacted them to settle. Now my so called debt is with a law firm. XXXX XXXX XXXX is saying they deleted this from my credit report but that is not true. Its still on my credit report. This needs to be deleted. And this is not fair that i am being told i have to pay a debt i was never given notice of 6 years ago! The proof says my rent is paid through XX/XX/year>, let the itemized charges state that i owe rent for XX/XX/year>. This does not add up. This is not fair!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of this XXXX credit error showing on my credit report. I was a victim of Identity theft and reported it on XXXX & XXXX. I dont know if this is associate with that but this is not my debt. I have mailed out 2 request to the credit bureau and the company. I have not received a response from the credit bureau and XXXX told me they have no record of an account with me. I need this collections removed
Product: Credit reporting, credit repair services, or other personal consumer reports

Per the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ), you are required by federal law to clearly and accurately disclose all information in my file at the time of this request. Please respond with verifiable proof of an original consumer contract with my signature that you have on file for the accounts above. By law, unverifiable accounts must be removed. The accounts listed below are not mine. They each are associated with inaccurate personal information. Please remove them from my credit profile and credit report immediately. XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX
Product: Mortgage

I sold the house, so the loan was paid off. Both the mortgage company and the title company paid taxes due. So, they were double paid. XXXX XXXX has confirmed that the title company 's funds were applied, and the payment from the mortgage company was rejected. The mortgage company is refusing to refund me those funds saying they gave it to XXXX XXXX. I have sent proof from XXXX XXXX that it was paid by the title company. Mortgage company tax department basically said tough luck. The loan was paid in full XX/XX/2022 XXXX
Product: Debt collection

Dear CFPB Representative, I am submitting a formal complaint regarding the unauthorized exposure of my Social Security Number ( SSN ) in a data breach and the subsequent fraudulent activity on my credit report. Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ) and the Gramm-Leach-Bliley Act ( GLBA ) ( 15 U.S.C. 6801-6809 ), financial institutions and credit bureaus are required to protect consumer data and ensure its accuracy.

Complaint Details : 1.My SSN was compromised in a recent data breach.

2.As a result, fraudulent accounts and inaccurate information have appeared on my credit report. 
3.I have disputed these inaccuracies with the relevant credit bureaus, but they have failed to properly investigate and resolve the issue.

4.This has negatively impacted my credit score and financial standing.

Requested Actions : I request that the CFPB take immediate action to ensure that : The credit bureaus conduct a full investigation and remove any fraudulent accounts or inaccurate information from my credit report.

A fraud alert or credit freeze is placed on my file to prevent further unauthorized activity. 
The financial institution ( s ) responsible for mishandling my data are held accountable under applicable laws.

I have attached supporting documentation, including my dispute letters to the credit bureaus, identity theft affidavit, police report, and any responses received.

I request that the CFPB review this matter and ensure compliance with federal consumer protection laws. Please provide an update on the status of my complaint as soon as possible. 

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

Dear CFPB, I am writing to express my deep concern and distress regarding the negative items on my credit report, which have significantly impacted my ability to secure stable housing and maintain a positive outlook on life. 

Over the past few years, I have struggled to overcome the challenges associated with these negative marks on my credit report. Despite my efforts to improve my financial situation, these derogatory items have made it nearly impossible for me to find suitable housing. Every time I apply for an apartment or a rental home, I am met with rejection due to my credit score, which is heavily burdened by these past issues. 

This situation has taken a toll on my mental health. The constant XXXX  and fear of not having a stable place to live have left me feeling increasingly XXXX I feel as though I am trapped in a cycle where no matter how hard I try, I can not escape the shadow of my past financial mistakes. The rejection letters and denials have left me feeling hopeless and defeated. 

What is most disheartening is that I am trying to rebuild my life. I have taken steps to improve my financial habits, and I am committed to working hard to regain control of my finances. However, the weight of these negative items continues to hold me back, making it difficult to move forward and achieve the stability I so desperately need. 

I am requesting your assistance in addressing these issues. I believe that some of the items on my credit report may be inaccurate or outdated, and I am seeking your help to investigate these matters. It is my hope that, with your support, I can begin to see a path forward that includes the opportunity for fair and equal access to housing. 

Thank you for your time and attention to this matter. I am grateful for any assistance you can provide. 

Sincerely, XXXX XXXX
Product: Debt collection

This company failed to determine the stature of limitation of the debt in my State. There is no information sent to me in validating the debt. Please show me the postage verification that the information requested as a victim of identity theft was mailed to me. You keep calling me XXXX XXXX XXXX what makes you determine that person is me. This is the response you sent to CFPB. Please sent statements of account and receipts you have with my full name and same address I resided for the past XXXX years. You indicated to CFPB that you conducted an investigation and have enough evidence that this account is mine but fail to provide XXXX document with my name and address. Tell me when the creditor claims this debt became due and when it became delinquent, identify the date of the last payment made on this account. Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that. Please sent that information to CFPB to review.
Product: Credit reporting or other personal consumer reports

Our TD XXXX Auto Loan was marked with a late payment. The reason it was late was because we took out a HELOC which would pay off several debts in full, including this loan. I attempted to notify TD XXXX twice in writing and once via phone call that the check was in the mail, they mentioned on the call that they would note the account so it wouldn't be marked late. It now shows a late payment on our credit reports even though the check has been cashed and the loan paid off. 

When we called, we spoke to XXXX to and they acknowledged and said it wouldn't be marked late.
Product: Money transfer, virtual currency, or money service

I responded to an add on XXXX. I attempted to buy tickets to XXXX. The seller requested payment via XXXX They provided their name XXXX XXXX ph XXXX email : XXXX. I sent {$200.00} for ticket and they stopped replying and dis not send my ticket. An email search shows this Phone number belonging to : XXXX XXXX. XXXX XX/XX/93 at XXXX XXXX XXXX XXXX, KS XXXX. 

XXXX notified of scam. Bank notified of scam.
Product: Credit card

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. XXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

On XX/XX/2020 I attempted to make a cash deposit of XXXX to my Bank of America account using a Bank of America ATM. The machine counted the money but instead asked me to list the amount of the cash deposit which was in all XXXX dollar bills. The machine ripped one and returned it to me. I tried to list the amount of the deposit but I was unable to put in the correct amount because the screen malfunctioned. The machine did not give me a receipt for the deposit. I then called the phone number on the ATM to start a claim and I also called the police before leaving the ATM site.I have both a DC # XXXX and I filed a claim with the Bank of America. I also took pictures while standing in front on the ATM of the screen at the time.There are camera at each of Bank of America 's ATM 's so there is video of the transaction.Bank of America provided an investigation and now hey are claiming that there were no additional funds in the machine, I also have proof of where the cash came from that I deposited. This is a large sum of money and I just want to credit to my account. I submitted this money to bank of america in good faith. i did everything I was supposed to do to no avail. 
I need help in retreiving my money back. These are very difficult times and I need this money to take care of myself and my family.
Product: Credit card

Synchrony Bank calls several times each day although I explain my dire financial situation. Other actions are available to Synchrony Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been having this issue with Experian since XX/XX/2020. The only way to get a free credit report is through the annual credit report website. But here 's the thing, I can't pull my Experian on Experian.com or any other credit monitoring sites. It always seems like they're blocking my request. Called Customer service and she didn't know what was going on. She stated someone will contact me about it in 24 hours. No call or anything. This is NOT right.
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. I was told that recovering lost funds was impossible and tracking them would be infeasible. THE CFPBs findings indicate that Zelle has not only neglected to protect customers, but has also has allowed repeat offender to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises concerns about consumer safety.
Product: Credit card or prepaid card

On or About XX/XX/XXXX, my account was placed on " Fraud Suspension ''  without notice! And to this date, I am unable to access any of my funds! 

I have attempted to contact XXXX XXXX XXXX, everyday since being Denied at the Grocery Store in XX/XX/XXXX. Upon Initial contact & thereafter, I received the exact RUDE  response, " We apologize for any inconvenience but due to the " Fraud Suspension '' placed on your account, we are unable to access any information nor tell you why your account was placed under " Suspension '' in the first Place ... Someone from the Fraud Department will be contacting you soon upon completing there investigation - by letter or phone ''. I am also unable to get an exact time frame of when the investigation will be done & /or when I will have access to my fund 's. 

I have also requested to speak to a Supervisor & I'm told that an email has been sent & someone will contact me within 24 hours. Still NOTHING & No one in the Customer Service Center seems to care! Each Representative, I spoke to was extremely Rude & Cold-Hearted! For example, upon explaining my situation to the Representative, I was informed that I needed to WAIT. Because I wasn't satisfied with that response I asked, what would she do if she were in my situation? Representative replied, " Well its NOT me - so WAIT '' - " So if there's nothing else I can help you with " I don't have time for this ''! I got this response countless times! 

As of today, no one has contacted me nor did I receive a letter or email notifying me that my account would be placed on " Suspension '' OR " WHY ''. 

I am XXXX & have XXXX Children whom are Homeschooled due to illness & I am the XXXX XXXX for my family. Aside from XXXX, this is my only Source of Income. Since the suspension, I have been unable to pay any of my bills, purchase medications, toiletries, gas etc.! 

My phone service has been cut off, I have an automobile loan which is in default & may be repossessed any day now. My mortgage is due at the end of every month. In the meantime, Fees are incurring. 

I have also attempted to contact the Social Security Office directly in person & was informed that they are unable to offer any Guarantees & that I needed to contact XXXX XXXX XXXX, to resolve this issue!
Product: Debt collection

The XXXX XXXX account was paid. Without any warning, letters, or contact Credence Resource Mana put the collection on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for d purpose
Product: Credit card

Bank of America is issuing inaccurate statements. I have XXXX balance transfers, XXXX with a promo short-term zero interest rate ( after the. Under the Interest Charge Calculations section of my statement, under " balance subject to interest rate '' it shows a zero balance for each of the balance transfers. This is not correct. I have several thousand dollars subject to that special zero-percent interest rate. While the special promo rate happens to be XXXX at the moment, this will change when the promo time period is over. 

Every other credit card company I have ever had a balance transfer with shows the actual balance in this section of the statement, even when the rate is zero. Right now I have no idea of much of my actual balance is currently subject to this promo rate. When I called Bank of America about the issue, I spoke to supervisor who said they used to show the correct balance amount there, but it was changed last year, she did n't know why, they had had a lot of complaints, but while they knew they were providing inaccurate information to the consumer, they were not going to change it and will continue to provide inaccurate information. She said that If I wanted to know my balance for each balance transaction each month, I would just have to call each month since they would not provide the statement regarding my correct balance on my statements. 
This is completely ridiculous and counter to the information they are supposed to provide me so that I can make good financial decisions. As I said, every other credit card company provides this information correctly on their statements, and by their own admission, BofA used to provide this information correctly. 

I 've attached a sample of my BofA statement and my statement from XXXX bank. As you can see, the BofA statement gives me incorrect information in that it is stating that I have a XXXX balance subject to the promo interest rate. this is completely incorrect. The XXXX statement presents the exact same situation correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid to put a freeze on my data for all four credit bureaus several years ago prior to the major security breach. The only one I have a problem with is Experian. I am trying to lift my freeze to apply for credit and they won't recognize me to do it online. I have all the data and the pin that they gave me originally. The website is telling me I have to send all my sensitive information, including my original social security card by mail to them at their XXXX Texas location! When I call the phone number puts me through a series of prompts and then disconnects me. Can you help?
Product: Credit reporting or other personal consumer reports

In XXXX my wife at the Time wanted me to join her in a debt reduction of our household bills. I said sure Not knowing she is setting up a XXXX XXXXXXXX bankruptcy In our names. I found out when She had a conference call with XXXX XXXX XXXX to relay our income then I learned it was to file a bankruptcy The wife didn't include all her income under oath. After the cal I told her I don't want a bankruptcy and you lied under oath. I called the lawyer that was helping her and told him what happened and I don't what any part of a bankruptcy so he dismissed it. Now it shows up on my credit report as Bankruptcy Dismissed to XXXX. But I never went through with the bankruptcy or had it finalized It should not be on my credit report i asked experian several times to take it off it wasn't mine. But it's still on there.
Product: Credit reporting or other personal consumer reports

I just looked at my credit report and was shocked to see the numerous amounts of errors listed. 

i notified the consumer reporting agency with multiple letters they have not fixed or removed these items from my report. 
I am writing to have you remove them immediately. 
XXXX, XXXX, and transunion company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES :. IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include. Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.
Product: Checking or savings account

Had a problem where XXXX withdraw XXXX from my account without my authorization on XX/XX/XXXX bank would not let me dispute it until XX/XX/XXXX I haven't did business with XXXX since XXXX the bank told me it was auto withdraw but I my since XXXX my account has been close since then and I revoke my auto setup on XX/XX/XXXX the bank denied my dispute on XX/XX/XXXX they resubmit it saying the original dispute was put in wrong they won't even give me a temporary credit while they investigate the issue I feel like they are not protecting my money
Product: Credit reporting or other personal consumer reports

I contacted XXXX XXXX regarding my account and was told they no longer had the account, it was sold. XXXX reports XXXX XXXX close XX/XX/year>. But continues to report late payments and XXXX off on the report after the close date, showing on XXXX and Experian.