23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I had identity theft and have XXXX fraud accounts one with XXXX and another is a business account with XXXX. I have filed police and FTC reports, the other credit agencies have removed the fraud account, but for Experian they refuse to remove the fraud or provide reason of why they refuse to remove fraud and attempt to hold me liable for fraud when evidence has been provided. They even refuse me online access Why they did not remove the fraud identity theft account, the same as XXXX and XXXX have XXXX XXXX {$1600.00} JPM Biz {$52000.00} Experian has not addressed the matter. They have fraudulent accounts on my credit report and refuse me access and refuse to remove them. While I have provided XXXX and XXXX letters showing they are to be removed XXXX XX/XX/24 a supervisor refused me access after I informed him there is fraud. He told me that he sees the fraud and will not grant access due to internal issues. Experian has hurt my credit for over a year now.
Product: Vehicle loan or lease

Truist bank withdrew two auto payments at once without my consent and in violation of the terms of my loan. I tried calling and, while pleasant, their employee states she can't do anything bout it and I might happen again. She refused to refund the amount taken out illegally stating that 'it wasn't in their system yet '. Employee states she'll have to 'send a note to someone ' and I might get a 'call later in the week '. SunTrust was the originating institution, the auto draft was set up through them, and I had no problems with the previous 16 payments until Truist bought them out.
Product: Credit reporting or other personal consumer reports

my record show conviction of hit and run but the charge was expunged, but is still showing conviction which is incorrect. It should show dismissed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I applied for a Kays credit card. The manager & regular sales associate told me that it would only be a soft inquiry on my credit, after I expressed my concern of the inquiry. I had not built any credit at that point, so I figured why not build my credit with a small amount on a Kays card. I talked to the manager at Kays & she told me to either go online or call the number on the back of my card. I emailed Sterling Jewelers on Saturday, XX/XX/XXXX to make them aware of the situation. Today, XX/XX/XXXX I received an email informing me that I needed to contact the CFPB, since they are unable to modify information being reported to the credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

First let me start with I have been on file noted with the Federal trade as a victim of ID theft and it is clearly noted on my credit bureau files that I am the victim of identity theft, yet I still have all these credit inquiries which are negatively impacting my credit ... I did find out that XXXX about 2 months ago removed everyones credit inquiries and then put them back on, without sending a 5 day reinsertion letter which is a violation of 6.11 of the Fair Credit Reporting Act. I did call in this morning and was on hold with operator, XXXX, at XXXX, XXXX XXXX, XXXX regarding both issues. She is stating she is not able to do anything for me. I did notify her that I would be filing a complaint with both the CFPB and the Attorney Generals Office. 
All inquiries made against my social should be removed. I have not attempted to purchase or open any accounts. I am just finding out about all of this since XXXX and have been desperately trying to fix this disaster.
Product: Credit reporting or other personal consumer reports

This is my 3rd endeavors to tell the 3 credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$920.00} XXXX XXXX XXXX XXXX Balance : {$860.00} XXXX XXXX XXXX XXXX  Balance : {$3300.00} XXXX XXXX XXXX XXXX Balance : {$930.00} XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian via phone on XX/XX/2019,XX/XX/2019,XX/XX/19,XX/XX/19 regarding inaccuracies on my credit report. I provided my FTC number regarding the identity theft that has taken place. I was advised that once I uploaded the report that the information could be removed. I spoke with a rep who refused to remove it even though the information is inaccurate and not true. I am upset that the information has not been corrected.
Product: Credit reporting or other personal consumer reports

I recently overlooked my credit report and noticed several remarks are being reported for late payments. I strongly believe that this information is improperly being reported by TransUnion, XXXX, XXXX and is violating my rights as a consumer. Under the consumer law it states 15 usc 1681 restrictions on information use credit reports can only be accessed for permissible purposes. I did not give any permission or was not informed by the credit company. 
The dates that XXXX XXXX XXXX  considers late payments are XX/XX/XXXX and XX/XX/XXXX. I would ask that this be fully investigated and any documents to prove this verified be sent to me.
Product: Credit reporting

I filed Chapter XXXX in XXXX 2015 ; discharge XX/XX/2015. Between XX/XX/2015-XX/XX/2015 I had accounts that were under the Bankruptcy Stay. I disputed XXXX XXXX, XXXX XXXX, XXXX, and XXXX. XXXX, XXXX and XXXX XXXX were all reporting Charge OFf or key derrogatory as the status between XXXX 2015 and XXXX 2015. The account 's coding was never corrected by Experian at all. This is negatively affecting my credit it dropped about XXXX points. They also blocked my ability to dispute which is my right under FCRA. The disputes are not frivolous inasmuch as I have sent documentation each time. They just chose to ignore it and close out the investigation without due diligence of the investigation. I am attaching the negative reporting of XXXX and also the blocked access. I need this corrected. They can not simply ignore the documentation. They must update if I am providing proof. This is my right under FCRA.
Product: Payday loan, title loan, or personal loan

It says my bank had mad a XXXX and cant contect to XXXX
Product: Credit card or prepaid card

Credit account was transfered to Comenity Bank by XXXX XXXX XXXXXXXX. I was not aware of the transfer until I tried to log into my account and got an automated message saying to call the number on the card. I have no card. Looked the bank up via XXXX. Got in touch with a service rep on XX/XX/XXXX was informed card would take 7 to 10 business days. Called back on XX/XX/XXXX. ( XXXX XXXX XXXX ). Service rep wanted my social security number, I refused to give it. I asked him what address did they send the card to, he couldn't tell me. I received a bill from XXXX XXXX XXXX credit via my e mail. I want this account closed. I want access to see what charges were made.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act i believe XXXX XXXX XXXXXXXX account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a 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 a open end consumer credit plan as late for any purpose.
Product: Bank account or service

TD Bank - I made a deposit in the amount of XXXX on XXXX/XXXX/15 - my account balance, prior to the deposit was {$1300.00}. According to my previous conversations with customer service reps, deposits are credited to the account before debits are made. On XXXX/XXXX/15, XXXX checks were debited from the account in the amount of {$1800.00} and {$500.00}, I had a bill payment in the amount of {$360.00}, and various debit charges totaling {$180.00}. According to my account view, at the time of the withdrawals from my account, the account balance was {$3100.00}. However, I was still charged {$170.00} in overdraft fees. Upon calling to complain, I was told that only {$100.00} from my deposit was actually made available on XXXX/XXXX/15, therefore the funds were not actually available in the account to cover the amounts in the checks posted on XXXX/XXXX/15 thus overdrawing my account for the {$57.00} I spent over the weekend on my debit card. {$170.00}, for {$57.00} spent, when the deposit for {$1800.00} was made into the account. If you look at my bank account, there is no negative balance - because the full deposit shows despite the claim that the full amount was not actually credited to my account. I am sick of the criminal nature of the reordering of funds and the blatant disregard of the customers of TD Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was opened without my permission and several fraudulent charges were applied to the card. I disputed with XXXX XXXX and opened an investigation the account was CLOSED by XXXX XXXX This account was opened XX/XX/2017 account balance {$1000.00}
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX  XXXX act. # XXXX, XXXX XXXX  acct. # XXXX, XXXX XXXX XXXX acct. # XXXX has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general lf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I contacted Valley National Bank to inquire about the waiving of my escrow account. I spoke with XXXX XXXX who said that she " thinks '' escrow is required for ALL condos. I could not find any documentation to support this and then contacted the title reviewer for my loan XXXX XXXX. XXXX told me via email that XXXX and XXXX XXXX federal guidelines require escrow accounts for all condos. I contacted XXXX and was told that information incorrect. I was also directed to a page on XXXX website that contradicted the information XXXX provided. I then informed XXXX of this and she stated again that Valley National Bank MUST escrow on all condos. I reviewed the Mortgage documents that I signed and they contain information about waiving escrow. I have spoken to three people at Valley National Bank who confirm that escrow can be waived. However, XXXX and XXXX, who are responsible for servicing my loan, refuse to give me any information on how to do so or facilitate my request. I have called and sent emails several times and I am provided with false or misleading information. I have also requested a written copy of Valley National Bank 's official escrow policy and they refuse to provide it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I filed a dispute with XXXX, XXXX, and Equifax. XXXX was able to delete an account from my report, which led to a dramatic increase in my credit score. Equifax completed their investigation on XX/XX/2019 and found that the account in dispute is in fact mine. It obviously is not. XXXX also provided results that coincide with Equifax. I have contacted XXXX XXXX XXXX and they say they are backlogged for 60 days.
Product: Credit reporting

I belong to XXXX XXXX and check my status regularly. For some reason my late payments on the Equifax report, ( which I have none ) went from XXXX percent on time to XXXX percent in the last month! Looking at my Equifax credit report out of the XXXX accounts shown there are NO late payments. According to Equifax out of XXXX reported payments I supposedly have XXXX late payments?? Please supp ; y me with the company 's or persons that I supposedly have not paid. They are not on the Equifax credit report that is on XXXX XXXX and must have happened over the last month! As a side note my XXXX information XXXX payments were on time, it would also be highly unlikely that XXXX would miss this. 
Thank you
Product: Credit reporting or other personal consumer reports

XXXX XXXX sabotage due to Bank XXXX XXXX lies/fraudulence. XXXX yrs of admitted technical issues/ glitches admitted to me but their IT technicians, representatives, and supervisors of representatives that in the end has resulted in them lying and retracting their admitted guilt which significantly affected my XXXX XXXX dropping it by XXXX points, and being denied in endpoint attempts of justifiably disputing these illegal rejections of my disputes. Even with recorded conversations of Bank XXXX XXXX 's representatives and upper management claiming complete and total fault ... Now they sent their fault in this dispute and previous recognition of thus. Resulting in XXXX and the other XXXX credit bureaus refusing to reinstate the incredible amount of points that were reduced upon my XXXX XXXX that I've worked diligently and exhaustively to achieve over the last XXXX yrs ( my XXXX XXXX was XXXX before XXXX XXXX slashed it with their report falsely blaming me and not admitting to their inexplicable website/app/systems failures and glitches that they were incapable of fixing the last XXXX years ), in which I've always paid off and bills on time. I've never missed a payment- on any of my accounts- and therefore never had a late fee charge. I pay all of my bills on time - utilizing correctly working autopay connected to my XXXX bank account. XXXX XXXX XXXX has admitted fault several times, but now chooses to lie and claim fraudulently and falsely that this is my fault. They've promised letters to all three credit bureaus to fix my excessive XXXX XXXX drop ... and then claimed the opposite. They record all of there phone calls so I know the representatives that guaranteed me they were recognizing their ( XXXX  XXXX XXXX 's ) fault has been reported several times. A representative even revealed to me that this is something the company would never - will never - admit, due to repercussions and possible media coverage. They instantly refunded my charges taking responsibility over 9 months ago, and now they're lying and refusing to retract their allegations and restore my XXXX XXXX that lost - insanely - XXXX points due to them reporting fraudulent details to the credit bureaus. They don't want to admit their fault surrounding their IT/technical failures that are excessive beyond belief. XXXX years later they couldn't fix double debiting my bank when I only authorized debiting once. This again is fraudulent and litigable. 

Please help me in holding a billion+ dollar conglomerate responsible for their fallacies, lies, and attempted deflection of their own faults against XXXX of their XXXX year loyal customers. 

Thank you for taking the time to read this.
Product: Debt collection

At approximately XXXX on XXXX XXXX, 2016 a company by the name of Capital Management Services called a family member and left a message that they were attempting to collect a debt and left a phone number of XXXX. When the family member returned the call to find out what this was about they asked if she was a relative - they named me - and asked if she lived with me and had a phone number for me. This company has placed calls to my cell phone so they are in possession of a means to contact me. This is an invasion of privacy as well as an attempt to humiliate and embarrass.
Product: Mortgage

XX/XX/XXXX payment was put in suspension. 
When applied to loan it went to interest only. The principal balance was not lowered. XXXX principal balance was wrong therefore my XXXX payment is off as well. 
No resolution yet. 
They want me to pay for the systems error.
Product: Checking or savings account

I mailed a check to my landlord around XX/XX/year>. It was for {$2100.00}. I have mailed her checks to the same address for 3 years. She did not receive it. I mailed it from my office. 
The postal worker picks up mail inside the office, not a mailbox. On XX/XX/year>, someone named XXXX XXXX altered the check and cashed it. He put XXXX XXXX XXXX on the check. It obviously wasn't the same ink or writing. I noticed the charge on my checking account XX/XX/year>. I immediately called Wells Fargo Bank and filed a fraud claim. I closed that checking account and opened a new one. I went into my Wells Fargo branch on XX/XX/year> to fill out and file a notarized affidavit. All they have done is turn it over to a collections agency. They said the collections agency will try to pull the funds once or twice but they couldn't tell me how often they try or when they try. The change on the check was so obvious and I am very disappointed that Wells Fargo isn't advocating to get my money back.
Product: Money transfer, virtual currency, or money service

Im very disappointed about how zelle handles disputes.Ive been a loyal customer with zelle for multiple years & my financial institution failed to investigate my claims adequately. Ive been denied my hard earnes money on multiple occasions from services ive never received as well as being scamed by multiple individuals. Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving vulnerable to scams & a lost. This is unacceptable & something needs to be corrected for change.
Product: Debt collection

XXXX / XXXX / {$0.00} XXXXXXXX XXXX XXXX  XXXX XXXX / XXXX / {$0.00} XXXX XXXX / XXXX / {$0.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Product: Checking or savings account

I changed cell phone providers from XXXX to XXXX XXXX XXXX. The change was successful. After that I went to log on to Citi and received a popup asking me to call a number for a One Time Activation code.

I called the number and was told, on four separate calls, that because I had switch cell phone providers that there was a " service provider restriction '' on my account. Citi said that XXXX XXXX XXXX could resolve the issue. 

So I called XXXX XXXX XXXX and they had no idea what I was talking about. There was absolutely no restriction on XXXXXXXX XXXX XXXX end that would disable me from accessing my CITI account. So I called Citi back and asked them what my bank needed to do. CITI said that my bank needed to remove the service provider restriction. I called XXXX XXXX XXXX and I have no service provider restriction on my account. I'm stuck in a loop with no access to my own money because of obstruction by Citi.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, an I am submitting this comlaint myself to address the inaccuracies on my Credit Report. I am submitting this complaint to inform the Creidt bureaus that I was the victim of identity theft. I researched on how to remove the fraudulent information in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts and information listed on an ID THEFT REPORT. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX  AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX Balance : {$85.00} XXXX XXXX XXXX Balance : {$5400.00} XXXX XXXX XXXX Balance : {$9100.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$170.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

XXXX is the original creditor for this reassigned debt that Credence Resource manage is attempting to collect. Also these two businesses have committed identity theft because they are using my information without my consent, or me even knowing. Also they never got my consent to contact me, and they call my phone almost everyday. My rights are being violated by these 2 companies.
Product: Checking or savings account

Citizens Bank continues to clear the larger debit prior to the little charges regardless of transaction time. This results in numerous overdraft charges instead of just the single one... They have told me that it is that way because the larger one may be more important. I don't see it that way and feel it is a very unfair practice. No real relief thru the Covid crisis which I also feel is terrible practice.