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

My credit reports state that I am deceased and I am obviously not. I can not apply for many things and could not even get a utility bill in my name! PLEASE help me. I called the credit agency and they said to contact social security. I called social security and they told me to contact the credit agencies. I wrote in requesting a report since XXXX would not provide one for me.
Product: Prepaid card

This case is with two prepaid XX/XX/XXXX Prepaid XXXX that I had received through Cardholder Services - XX/XX/XXXX ( XX/XX/XXXX Member FDIC ). Without warning ( no warning emails etc ... ) they XX/XX/XXXX out my 2 accounts from {$1.00} and {$2.00} fees and called them dormancy fees. And my cards had an expiry date of XX/XX/XXXX. So it was a fair assumption on my part that my balnce will be good until XX/XX/XXXX. 

I only learnt this when I tried to use the cards last week. This is an unfair business practice to take away money from someone without giving them any warning. They didn't allow me to consolidate my cards either which makes using some of these smaller balances hard. 

I am sure I am not the only one to have suffered this. I hope you can assist in getting my money back and putting some guard rails in place to prevent this from happening to other unsuspecting card holders. 

Nowhere on their website do they warn of dormancy fees, unless it just surreptitiously hits your account.. This is cheating and amounts to fraud in my opinion,
Product: Credit reporting or other personal consumer reports

This unauthorized account is reporting on my credit report in a negative way. this account does not belong to me I have filed police reports and spoke to the reporting companies. The account is Santander Consumer USA date opened XX/XX/year> account # XXXX amount {$25000.00}. I am a victim of identity theft and can not get approved for any of the necessary things in life, please assist with the removal of this harmful account!
Product: Checking or savings account

I have been unable to log in to my Ally Bank account for weeks now, ( ever since XX/XX/year> ). I have around XXXX dollars between my XXXX IRA account and my savings account with them. 
In order to solve this ever since XX/XX/year> I have called them multiple times spent hours on the phone in order to solve this, every time they told me that I would need to solve this issue with a specialist and that one will call me in about 2 business days, a call which I never receive, even when I spent hours on hold to talk to one I could not get trough.

My only recourse if they will not solve this issue is to close the account, I called them asking what information I would need to provide in order to close the account they told me I would need to talk to a specialist, and they did not know what the process was to do it over the mail. Which would be my only recourse since they do not have in person customer service.

It's important to keep in mind that every time I called I would have to provide information such as last for digits of social security number, phone number, etc. to identify myself, and I still got the same responses even though the information was correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, On XX/XX/XXXX, at approximately XXXX XXXX Arizona time, I attempted to have a security freeze removed from my credit report. This freeze has been in place for a long time. We had been through a chapter XXXX bankruptcy in the mean time. The website could not verify my information. I called and was eventually transferred to a woman who spoke poorly, had a heavy accent and would not listen to any of my pleas for clarification. I was able to figure out ultimately online how to resolve this matter and she did provide enough sentence fragments to point me in a direction. Experian was dismissive and condescending. Could not wait to get me off the phone and would not answer my questions. When I asked to talk to someone else such a supervisor I was ignored and stonewalled. I do not understand how a company with so much control over my financial life can be so lazy when it comes to customer support. All I wanted was information on how to resolve this and what I got but a minimalist brushoff both insulting and vague. As a company, they have a responsibility to communicate how to resolve issues better. I fumbled around the website until I found the answer but I largely abandoned and dismissed by Experian.
Product: Credit reporting or other personal consumer reports

Greetings and Blessings from the XXXX XXXX XXXX. Per the FCRA as a federally protected consumer and child of XXXX. I am formally REVOKING, REMOVING and OPTING-OUT of any and all authorizations, I the consumer XXXX XXXX XXXX may have given XXXX XXXX, written, unwritten, verbal and nonverbal per 15 usc 6802. Account : XXXX, XXXX XXXX has consistently violated my federally protected rights. Despite numerous requests and filing a FTC Fraud report. My demands as federally protected consumer have been ignored. Currently XXXX, EQUIFAX, XXXX, XXXX are in direct violation of my federally protected rights, by which I have numerous attempts of exercising my right to privacy and accurate data furnishing.
Product: Checking or savings account

Funds withdrawn without my consent. Contacted Wells Fargo regarding a monthly withdrawal for insurance we never needed or wanted. 
Withdrawal Start Date : XX/XX/XXXX Monthly Withdrawal : {$24.00} Company Withdrawing : XXXX XXXX XXXX XXXX My financial advocate was going over my checking account and noticed a fee being withdrawn monthly. I told them I could not get out of paying because every time I called Wells Fargo they told me I had to pay this. My financial advisor told me I did not have to pay this.

Never wanted the insurance.Called many times to cancel but they would not listen to me. I contacted Wells Fargo and told them to cancel this ( XX/XX/XXXX ) and they finally did because I told them I was going to place a complaint with the Consumer Financial Bureau. When asked about all the monthly withdrawals being reimbursed, they said they had a recording of me saying I wanted it. I asked for an audible recording of me agreeing to this and they said they could not supply it.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX 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 XXXXXX/XX/XXXX
Product: Mortgage

complaint against : Sun West Coast Mortgage XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX Ca XXXX Upon moving into the home we have noticed or had issues that was not listed in inspection and appraisal documents. These issues have cost my family over XXXX dollars. We purchased the home and was never told about the fire hazard with a sliding door not being able to open. We also have a gas fire place that the previous home owner told me he dont know if it works or not. We had to cut down trees, we had a second floor leak and all of these problems where within a week or two of us moving in. I hav documentation of these issues along with invoices. I spoke with the company on numerous ocassions and they have not tried to help me. I told them that FHA wouldnt have approved of that home with the hazards it had coming in. I also explained to them my family would had made contengencies based on the issues the home presented. But these issues was not listed in the inspection. To me it seem like he left off the things that didnt work to finish to process. The appraisal as well as the inspection was done by my mortgage company in which i feel they are doing illegal practices to benefit from higher loans for clients. Also when they got word of my complaint of my concerns I recieved paper in the mail stating I have a new company to sent my mortgage payments to
Product: Checking or savings account

I have been a chase costumer for quite some time with no issues. I recently ( XX/XX/2018 ) got a letter in the mail saying my account is being closed and that I should remove all my money from there. There is no reason in the letter as to why they are doing this. I called them and went to the bank and no one seems to want/able to help me out. They also refuse to give me and reason as to why they are closing my account. They also say that due to this they shut down all my credit cards which never had a late or missed payment ever. Again there is no one to talk to there about this issue either. Seeing as I've never caused Chase any problems with my credit card or bank account I don't see why they are doing this and its very frustrating that when I try to talk to them about it they refuse to give me any help or information at all.
Product: Debt collection

I noticed a collection on my credit report for {$13000.00}. This is NOT my debt, and they are lowering my credit score by claiming that it is. I was recently turned down on an application for a new credit card because of this. I believe this is a debt of my XXXX XXXX XXXX mother and I own the house she lives in. In addition my name is very similar to her ( now deceased ) husband. These factors may have contributed to the collection company claiming it is my debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need the XXXX XXXX to be Deleted from my credit reports today as promised by XXXX XXXX
Product: Mortgage

XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, all seem to now know who is responsible for my mortgages. I have a first and second mortgage. SPS says that they stopped servicing my mortgage a year ago, and gave me a letter stating this fact. 

So how do I get the liens released? I am requesting a full reconveyance of the liens for the property at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 

The loans have been charged off and there is XXXX balance owing as per the documents received by SPS. 

Please see attached.
Product: Debt collection

Thank you for your recent contact dated : XX/XX/XXXX. 

I would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following documentation from you : 1. Validation of the alleged debt ( the actual accounting showing a loss ) ; 2. Verification of your claim against me ( either a sworn affidavit or a hand-signed invoice in accordance with The Bills of Exchange Act 1908, Section 23 ) ; 3. A copy of the contract signed by both parties and therefore binding both parties. 
4. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Anti-Money Laundering and Countering Financing of Terrorism Act 2009 and what actions s/he has taken in relation to this account.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my deep dissatisfaction and frustration regarding the repeated attempts I have made to rectify the ongoing issue of late open accounts associated with my [ account/reference number ]. Despite my numerous efforts to resolve this matter, the problem remains unresolved, causing significant inconvenience and distress. 

Since then, I have diligently contacted your company 's customer service department on [ list dates of previous attempts ] to bring this matter to your attention. During these interactions, I have provided all the necessary documentation and information requested, yet the issue persists, and no concrete action has been taken to correct it. 

The late open accounts issue has had a negative impact on my financial stability and credit score. I have faced undue stress and financial setbacks as a result of this unresolved problem, which should have been addressed promptly and efficiently. I have made timely payments and fulfilled all obligations on my end, and it is disheartening to see that my efforts have not been reciprocated.

I am formally requesting the following actions to be taken promptly : Immediate correction of the late open accounts on my credit report to accurately reflect my payment history and prevent any further damage to my credit score. 
A written confirmation of the resolution, including the date when the correction was made. 
An apology for the inconvenience and stress caused by the repeated failures to address this issue in a timely manner. 
I understand that mistakes can happen, but I believe it is only fair that your company takes responsibility for its errors and takes the necessary steps to rectify them. I trust that this matter will be resolved promptly, as it is in both of our interests to ensure the accuracy of my credit report. 

I sincerely hope that it does not come to that, and I look forward to a swift resolution of this matter. I am asking for your assisstance to correct these accounts in my credit file : XXXX XXXX/XXXX  XXXX Balance : {$820.00} ; XXXX XXXX XXXX XXXX : {$50000.00}.
Product: Credit reporting or other personal consumer reports

I was notified that a collections account was added to my credit report, a major derogatory record. It shows an alleged {$180.00} unpaid debt, which wouldnt make sense given my flawless credit history and credit line extended. I can affirm, under penalty of perjury, that I have never received any communication about this alleged debt before this record shows up in my credit report, which is a clear violation of laws. I have been living in the same apartment complex as of today and for the past two plus years. I have amicable relationship with management staff, with rent account thats current, and management staff has my up-to-date contact info.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've called the credit bureaus to try to correct my information and removed the addresses that are not mine and was a sibling address and they have not removed it. 

I sent a letter out XX/XX/22 and I am sending one out today again to make sure they do it but I need this done soon as possible.
Product: Credit card or prepaid card

I noticed theres a charge account listed in my profile, but I was unaware of that until now. I dont remember opening this account.
Product: Credit reporting or other personal consumer reports

I am filing this formal complaint against Experian for its failure to comply with the Fair Credit Reporting Act ( FCRA ) regarding the reporting of inaccurate information in my credit history. Specifically, this pertains to the XXXX XXXX XXXXXXXX account with the partial number XXXX. This account contains substantial errors that have negatively impacted my credit profile.

Specific Issues with the Account 1. Incorrect Status : The account is reported as " Collection/Chargeoff '' by Experian, while other credit bureaus provide different statuses for the same account, highlighting a lack of data consistency.

2. Inaccurate Payment History : Delinquencies, such as 30- and 60-day late payments, along with a " Chargeoff '' status, are recorded for XXXX and XX/XX/year>. These dates do not match the information provided by other credit reporting agencies. 

XXXX. Date Inconsistencies : The date of last payment and the date of last activity on the account are inconsistent with records maintained by other credit bureaus. 

FCRA Violations 1. Section 607 ( b ) : Accuracy of Information Experian is required to ensure the accuracy of all data reported. The discrepancies in account status, payment history, and dates violate this requirement.

2. Section 611 ( a ) : Reasonable Investigation of Disputes Despite prior disputes filed regarding this account, Experian has failed to conduct a reasonable investigation and correct the inaccuracies, as mandated by this section.

3. Section 605 ( a ) : Reporting of Obsolete or Inaccurate Information Experian continues to report information that is inaccurate and outdated, which is prohibited by this section.
Product: Credit card or prepaid card

CFPB XXXX-XXXX was mistakenly closed as a duplicate compliant - this was NOT A DUPLICATE compliant as it contains new information regarding evidence of fraud that I did not have when the original compliant was filed. I had requested the evidence many times however, AMEX did not clearly communicate where I could find the information and delayed mailing it out until just a few weeks ago even though this dispute started back in XX/XX/2019. 

COMMUNICATION FROM CFPB XXXX-XXXX This is a follow-up compliant to CFPB Ref No : XXXX-XXXX. In there response, AMEX completely failed to address the issue of fraudulent charges as evidence by the fraudulent signatures shown in the documentation provided by the merchant. From day one of the compliant initially started on XX/XX/2019, I was very clear that I was at the location but did not make the charges. Any surveillance footage provided by the merchant does not prove anything. ID was provided to enter the merchant 's place of business. AMEX initial response documentation includes : evidence of one way mail correspondence by AMEX but failed to mention the multiple times I had called to complain I wasn't receiving the mail correspondence or the 5 times I re-disputed the claim but I 100 % disagree with the findings. Documentation also includes XXXX receipts showing fraudulent signatures as well as surveillance footage. Additionally note, on the XX/XX/XXXX call with AMEX I specifically requested that the associate mail any and all documentation/evidence that the company has on this case so that I may review it and not identify the inaccuracies. AMEX representative said this would happen - to date, I have not received any of the " evidence '' in the mail. Attached - + Original CFPB compliant + AMEX inadequate response + AMEX one way communications - this is what was provided in the original response by AMEX
Product: Debt collection

I had a  XXXX   XXXX   XXXX  account that I have paid in full. For whatever reaso n, Southwest Credit Systems will not update the account as paid in full with all three credit bureaus (   XXXX   XXXX   XXXX   XXXX   ). I keep disputing the debt, but they keep saying that I owe it. I even have receipts to show that the account has been paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX  is reporting negative on my account for a  CANCELED CONTRACT.  I have recently been informed that there is negative information reported by   XXXX   XXXX   XXXX   in the file transunion and  XXXX  maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing showing that i owe {$2400.00} to   XXXX   XXXX   XXXX  . I dispute the accuracy of this listing.Please validate this information with national credit systems and provide me with copies of any documentation associated with this account, bearing my signature showing that i have done business with them, signed a contract with them or owe this company specifically money. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.   I am keeping careful record of experian and transunion 's actions, including their Method of Verification. I do not consent to  XXXX  or any means of automated verification.   I have been the victim of id theft and this company is claiming that i owe them money, but they can not produce DATED, SIGNED CONTRACTS THAT I HAVE DONE BUSINESS WITH THEM OR OWE THEM ANY MONEY. Again, i need to see copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file
Product: Money transfer, virtual currency, or money service

This is regarding XXXX with-holding a transaction fee when it suppose to be reversing or refunding a transaction that was beyond my control. The sender happens to send me money as a business, when I am not nor did I register as a business. 
On XX/XX/21, a person sent me money for {$510.00}, which XXXX charges a 3 % fee of {$15.00} because they sent it as a business and not to a friend. XXXX did NOT offer me any option to reject the transaction and therefore allow the payment to be received, and I got {$500.00}. 
I then issue a refund, in thinking that the transaction would be reversed, and {$500.00} would be taken out, but instead when the refund completed, XXXX took out {$510.00} from my account and withheld the fee of 3 % - {$15.00} There needs to be consumer protection since XXXX did not give me any option to reject a transaction if they already intend to hold the 3 % fee and not fully reversing the transaction. No notice was given. More regulation is needed since I made many attempts to get an answer and to help me dispute this, but I'm unsuccessful due to their excuse that it's Covid. 
This is just blatant robbery since I had no control of sending/receiving the money.