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

There is a total inaccuracy on my credit report and i noticed that some inquiries that are not authorized are on my report, this violated my consumer right because i do not have nothing to do with the inquiries, I will like the following inquiries to be removed from my credit report as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX finance XXXX XXXX XXXX XXXX XXXX XXXX bank XXXX XXXX XXXX XXXX XXXX bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX
Product: Mortgage

I recently received a letter dated XX/XX/2022 from Rocket Mortgage. Who indicated they were unable to approve my home loan. Because of Debt to Income : Excessive Debt. Which I feel that I am being discriminated against because of my race, color, age, sex and marital status. By them denial me the home I feel that I could afford as being single. Without an co-signer. Also they pull credit report from XXXX without me unlocking my credit report for them to withdraw. XXXX is wrong for allow them to have access to my credit file. Im paying XXXX {$24.00} each every month to keep safe from fraudulent accounts made in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has not properly corrected my credit report. I disputed XXXX XXXX XXXX XXXX. They have not reported my monthly payment for XXXX, my XXXX XXXX accounts run 2 months behind. My credit score has not moved in 6 months and I constantly pay my bills on time. in XXXX and XXXX my score is almost XXXX points higher. They had a XXXX old account they just recently deleted. This is not following the fair credit reporting act. This is a form of suppression with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXXXXXX XXXX SELF-REPORTED XXXX UTILITY SELF-REPORTED XXXX XXXX SELF-REPORTED XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate Under 15 U.S. Code 1681 b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( 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- ( IL promptly delete that tier of information from the fie of the consumer, or modify that item of information, as appropriate, based on though results of the reinvestigation ; and XXXX XXXXXXXX entity the furnisher of that information that the information has been modified or deleted from the tie of the consumer. Please remove the following items from my credit report, immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The collection agency sent me letters stating they purchased my original debt and are asking for payment. I responded to them stating I had filed bankruptcy and there was no way they acquired this debt as it was being paid back through my Chapter XXXX bankruptcy. They refuse to remove their accounts from my credit reports or acknowledge that the accounts were handled under my bankruptcy. The collection agency continues to damage my credit files even more.
Product: Checking or savings account

I have and account with Navy Federal Credit Union that my employer transfers {$200.00} every two weeks via ACH. I recently authorized all of my paycheck to be deposit into the same account. When I made the change I entered the last three numbers on the account wrong. I was not aware of that until I checked my account for the deposit. 

I called Navy Federal and was informed that the account that the money was transferred to was not associated with my account. I called back and spoke with XXXX XX/XX/24. I explained the mishap and he advised me he could fix the problem it would only take a few minutes. He placed me on hold. When he returned, he informed me that he could not transfer my money to my account. He stated that he could see that the money was in the wrong account. He stated that my employer had to fax a letter of " Indemnity '' to them.

I called my employer and informed them of the situation. They stated that they will reach out to our bank and request that the money be returned. Navy Federal is not complying and being very difficult. I even went into the bank with all my information and ID and they still denied me. They were very unhelpful and treated me as if I was trying to commit fraud. That's all they kept saying. I was never so humiliated in my life..
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out my identity had been compromised because my wallet was stolen from the movie theater. I did not take the proper measures afterward. I just got a duplicate drivers license and a copy of my social security. Several years later I am receiving letters after letters of several unpaid accounts that I have never open. I then started to investigate and pulled my credit to check what all had been open. There are way too many fraudulent accounts open that I am near familiar with. These accounts are not mine. Please remove them. 

XXXX XXXX XXXX {$4000.00} XXXX XXXX {$420.00} XXXX/XXXX  XXXX {$420.00} XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$2100.00} XXXX XXXX {$0.00} XXXX/XXXX  XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that XXXX will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX account XXXX
Product: Checking or savings account

BMO recently acquired Bank of the West ; during this process, all the money transfer methods ( XXXX, XXXX, bank to bank transfer ) are blocked, thus, the bank can not accept any type of incoming money to the account. 
This is a huge problem as I have multiple funds that can not be credited into my account unless its a check or cash????? ( Which is another issue as no one uses check anymore and none of my client pay in cash ). Their physical banking locations are not near me, and the ones that are ( over one hour away ), the bank operation hours are very limited. 
How can a bank REFUSE customers to make deposits? I have over two months of income ( ~ {$15000.00} ) that the BMO have turned away, and with all the bills on autopay, I am about to go into overdraft! 
I have contacted BMO online and on phone regarding this problem, and have verified my identity multiple times to lift the hold. Every time I call, they said it will take 3-4 business days to clear, yet its been almost 2 months, and my account is still on " hold ''. 
Furthermore, BMO is making money from the customers by purposing not fixing the glitch. 
In the two months of me contacting them, BOM had not made any effort to correct this issue or provide update or solution to this. It is clear the system is having glitch and at the same time collecting fees from their inadequate system glitch. 
I would close my account with them, but I cant even verify that I am the owner of the account.
Product: Credit card

Capital one is reporting a 30 days late payment from 2 years ago on my credit reports. This is incorrect as I never had a 30 day late payment. It is also showing in the potentially negative on my reports but showing paid as agreed. This account should be showing in accounts that are saitsfactory. Having this incorrect information reporting on my reports is causing me difficutly in obtaining substantial credit as it is reflecting negatively on my credit score. I have contacted capital one several times in requesting that this information be corrected and updated. I was told that it would be corrected that was month 's ago. I just checked my credit reports and it is still not corrected. I am submitting this complaint because I do n't seem to be getting anywhere with capital one. I have never been late in paying this credit card especially more than 30 days and it is from 2 years ago.
Product: Money transfer, virtual currency, or money service

PayPal is charging me for a fraudulent transaction and has a negative amount of {$1300.00} on my account. I have tried to resolve this many times but they are blocking my emails and demanding me to pay this fraudulent transaction. I did not authorize or give consent for this money to be taken out of my account
Product: Checking or savings account

Around XXXX of 2024, Chase bank closed my savings account without telling me. I had {$370.00} in my account and have not been sent that money in the mail nor any other way. I have called the bank multiple times asking when I will receive my money back and it has been 6 months yet they still havent given me my money back. They refused to tell me why I can not receive my money back or when I will get it back. So I would like to be reimbursed back for my {$370.00} that has been taken from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute fraudulent charge on my CREDIT REPORT BY XXXX  XXXX XXXX XXXX XXXX XX/XX/2018. I am a victim of identity theft, and I did not OPEN THIS ACCOUNT. I HAVE PROVIDED A IDENTITY THEFT REPORT AND A POLICE REPORT. I HAVE BEEN DISPUTTING THIS ACCOUNT FOR A WHILE AND NOTHING HAS COME OF IT. DISPITE PROVIDING INFORMATION REGARDING THE IDENTITY THEFT. PLEASE HELP. THIS IS NOT MY ACCOUNT, AND XXXX XXXX XXXX IS NOT COMPLYING WITH THE REQUEST. TRANSUNION AND XXXX HAVE FAILED TO FIX THIS ERROR.
Product: Credit reporting

In XX/XX/XXXX I moved to an area XXXX does not cover. I sent them several proofs of change of address and my new DL from SD where they do not have coverage. They canceled the contract, and I had a letter stating so. I do not owe XXXX any money at all, they agreed in XX/XX/XXXX to that fact Now a new company has reported collections that do not exist.
Product: Credit card or prepaid card

XX/XX/XXXX CFPB XXXX USAA RESPONSE CONFIRMS. XXXX {$170.00} & {$170.00} were USAA PERMANET CREDITS XX/XX/XXXX. see attatched. XX/XX/XXXX statement of BEGINNING FRAUD INVESTIGATION TEMPORARY CREDITS ON XX/XX/XXXX ( SAME  DAY I. REPORTED THE FRAUD. NOT A LENGTHY INVESTIGATION? ) INVESTIGATION WITH TEMPORARY CREDITS ARE AWAITING COMPLETION OF INVESTIGATION TO HOPEFULLY REMAIN PERMANET. AFTER INVESTIGATION. see attatched FRAUD LETTER OF XX/XX/XXXX USAA POLICY IS TEMPORARY CREDITS MUST BE MADE PERMANET ** AFTER COMPLETION OF INVESTIGATION. 1 ) HOW LONG DO INVESTIGATIONS TAKE TO COMPLETE? HOW COULD THIS INVESTIGATION END BEFORE IT BEGAN? ON XX/XX/XXXX?? HOW COULD TEMPORARY CREDITS BE PERMANET WITHOUT AN INVESTIGATION? WHY WASN'T AN INVESTGATION DONE??? I RECIEVED NO NOTIFICATION.. PLEASE PROVIDE WRITTEN DOCUMENTATION ITEMS DELIVERED INTO MY HANDS CONFIRMATION AFTER USAA INVESTIGATION COMPLETED.
Product: Credit reporting or other personal consumer reports

I was stunned to find out that my credit report includes accounts that dont belong to me. These errors are damaging my credit score and causing me unnecessary stress.
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 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 remove these files. 
XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I have a letter in writing stating I have no further financial obligation to XXXX XXXX on two Accounts please remove from my credit report my Husband just passed away
Product: Credit reporting or other personal consumer reports

I am filing a complaint against LexisNexis for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, LexisNexis has not provided any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, LexisNexis 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. 

Additionally, most of the information LexisNexis has in my report is inaccurate. If LexisNexis can not validate this information or provide me with validation of every entry, they need to clear my report and update it appropriately. 

I request that the CFPB take action to ensure LexisNexis complies with federal law and coordinates with the neighboring credit bureaus ( XXXX, XXXX, and XXXX ) to update my information accurately. LexisNexis must also remove all incorrect entries from my credit report and provide me with the necessary proof of a thorough investigation.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Matter - Identity Theft and Credit Profile Concerns Dear Credit Reporting Agency, I am XXXX XXXX, and I find myself in a distressing situation that requires immediate attention. My identity has been compromised, leading to significant damage to my credit profile. Despite seeking help repeatedly, my efforts have not yielded the resolution I desperately need. 

I am writing to address the unauthorized use of my social security number and card, which has resulted in accounts being opened without my consent. I want to emphasize that I did not authorize these accounts, nor do they have any connection to my actions. This situation is particularly alarming as it not only affects me but also jeopardizes the well-being of my children and my livelihood. 

I kindly request that you promptly remove this damaging information from my credit file within four days of receiving this letter, in accordance with 15 U.S. Code 1681c2.

Furthermore, as a consumer, I am entitled to know the steps your agency has taken to ensure the accuracy of these items, as outlined in 15 U.S.C. 1681i ( 7 ). I request a thorough description of the verification process, including the business name and address of any furnisher of information contacted, along with their telephone number if reasonably available. Please provide this information within 15 days of receiving my request.

I urge you to take immediate action to rectify this situation by removing all unauthorized accounts and inquires associated with my name. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

I had gotten a loan for a car and I purchased it and had been making payments on it but the car they gave me came with issues since day one and the dealer that I received the car from hasnt been able to find out the reason the car turns off and its been in their dealership since XX/XX/XXXX.
Product: Credit card

I have been asking Bank of America to apply the refund that I got from the Vendor ( XXXX ) because of a canceled transaction. The cas been dragging on ever since XX/XX/2023, and no refund has been applied. I reached out to the Vendor ( XXXX ) who provided me with paperwork, and I sent it to the Bank, but they keep closing the case. The Vendor can no longer refund me as the money sits at the Bank ; however, the Bank refuses to apply for the refund to my account.
Product: Credit reporting or other personal consumer reports

I have found that there are inaccuracies reporting on my file and it is so frustrating to see. I ask of you to investigate these accounts because it's causing me so much stress.
Product: Credit reporting or other personal consumer reports

My account with NATIONS FIRST CAPITA was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Debt collection

I XXXX XXXX HAVE BEEN A VICTIM OF ID THEFT. IN XX/XX/XXXX I CONTACTED XXXX XXXX TO INQUIRY WHY I HAD A CREDIT INQUIRY FROM THEM. I SPOKE TO XXXX XXXX PROPERTY MGT. SHE SAID NO LEASE WAS OPENED AND NOT TO WORRY..SHE TOLD ME LEASES ARE DONE BY XXXX XXXX. ON XXXX XXXX I CONTACTED XXXX XXXX XXXX AGAIN, AND GOT A RETURN CALL FROM XXXX XXXX. I ASKED WHY HER APT ADDRESS WAS ON MY CREDIT. I GAVE HER THE ADDRESS. SHE ASKED ME TO VERIFY MY INFO. MY SOCIAL WAS A MATCH, PLACE OF EMPLOYMENT AND DRIVERS LICENSE WAS NOT A MATCH. MY DL ENDS IN XXXXSHE THEN TOLD ME SHE WASNT ABLE TO TELL ME ANYTHING MORE. I TOLD. HER HANDS WERE TIED. POLICE AT THE TIME PAID A VISIT TO THE HOME AND GOT NO WHERE. ON XX/XX/XXXX I SPOKE TO A WOMAN AT CENTRAL PORTFOLIO CONTROL AND SHE TOLD ME IT WAS MINE, REFUSED TO LISTEN TO ME, REFUSED TO LABEL THE ACCT IN DISPUTE. SHE SAID LETTERS WERE MAILED TO LET ME KNOW OF DEBT. I NEVER GOT THEM, I WOULD HAVE CONTACTED AT ONCE. SHE SAID THERE MAIL IS IN PLAIN LETTER MAIL AND LOOKS LIKE JUNK MAIL. I TRIED TO TELL HER I WAS A VICTIM OF ID THEFT AND WHEN AND SO FORTH. SHE DIDNT EVEN TRY TO LISTEN OR CARE. SHE SAID PAID THE DEBT.I SAID I WILL CONTACT FTC AND FILE REPORT AND GO THRU CREDIT BUERAU. SHE SAID I COULDNT DO THAT, ITS TO LONG OF A PROCESS. SHE WOULDNT LABLE ACCOUNT AS FRAUD. I THEN TOLD HER TO CEASE AND DESIST. XXXX XXXX A FORMER FRIEND/ROOMMATE OF 10 YEARS, USED MY INFO TO OBTAIN CREDIT. IN XXXX AND XX/XX/XXXX HE WAS ARRESTED FOR FRAUD AND THEFT. HIS PUBLIC INFO WITH XXXX XXXX COURTS SHOW HE USED THE XXXX ADDRESS AND LISTED XXXX XXXX AS A FRIEND CONTACT AT THE ADDRESS. I HAD ALL THREE CREDIT AGENCIES TO REMOVE AND BLOCK THAT ADDRESS. THEY VERIFIED IT WASNT MY ADDRESS AS WELL. 
I ASKED CENTRAL PORTFOLIO FOR COPY OF THE DL/ PAYMENTS/ LEASE INFO WITH SIGNATURE AND OR PAYSTUBS. WAS DENIED ACCESS TO THAT INFO. 

CENTRAL PORTOFOLO CONTROL IS REPORTING AND VIOLATING THE FCRA. THEY NEVER ONCE CALLED ME, I GAVE IN XXXX MY PHONE NUMBER TO MANAGER THERE. THEY NEVER CALLED AND DONT BELIVE FOR A MINUTE THEY SENT A LETTER TO GIVE ME A CHANCE TO DISPUTE. I AM PREPARED TO FILE LAWSUIT WITH THIS COMPANY AND SEEK LEAGAL FEES AND DAMAGES. THEY DO NOT OWN THE DEBT/ THEY ARE COLLECTING FOR XXXX XXXX BASED OUT OF XXXX TEXAS
Product: Credit card or prepaid card

Issue : Chase has knowingly violated the Fair Credit Billing Act and Credit Card Act. 

Chase mishandled my XX/XX/2019 dispute for {$320.00} and rebilling me twice instead of refunding. Chase has been contacted XX/XX/2019 Just to give a little context, I contacted Chase to assist me with disputing the XX/XX/2019, {$320.00}, XXXX, transaction. The Chase dispute representative was advised that there was another transaction from XXXX XXXX of {$220.00} from XX/XX/2019. The Chase dispute representative was informed of the other transaction, to clarify that credits that were issued for the XX/XX/2019 transaction {$130.00} and {$130.00}. Chase informed me that they would be issuing a permanent credit of {$320.00} for the XX/XX/2019 transaction. On XX/XX/2019 I received a letter from Chase that stated I was being rebilled for credits that were issued ; however, this calculation is incorrect. The dispute representative cited that two credits were issued ; however, what they were not related to the XX/XX/2019 transaction, and were for the XX/XX/2019 transaction returns. Chase rebilled my account two additional times for ( {$320.00} ; {$270.00} ). I am disputing these amounts as they should not have been billed to my account. A refund of {$600.00} would resolve this matter.
Product: Mortgage

Started the refinancing process with Ally bank on or around XXXX XXXX. I was approved, and a rate of 3.3  % was locked. The appraisal was waived ( see attached ). All pertinent information was provided, reviewed, and completed by Ally 's staff, and closing was scheduled for XX/XX/XXXX. However, I encountered a problem with the closing rep, and I requested another rep to finish the process. I have a lien of {$20000.00} that was supposed to be added to the loan, ( " The Subordinate Deed of Trust is being added to your loan to be paid off at closing. Once fully added a new loan estimate will be sent to you for review '' from XXXX XXXX on XX/XX/XXXX ), but the reps failed to complete this process prior to closing. As such, I was told by the closing agent, XXXX XXXX, that the team was going to correct the issue, and closing needed to be rescheduled for another date. 

I received an email from XXXX XXXX on XX/XX/XXXX stating my rate went from 3.3 % to 3.5 %. On XX/XX/XXXX, the rate went from 3.5 % to 3.625 %. I disputed the rate hikes because I was a day from closing with a rate of 3.3 %. XXXX stated he would seek a " concession '' because of the mistakes on Ally 's part. XXXX days later, he informed me that the concession was only {$250.00}, which would not change my rate. I told him that was just unfair, and he states he would escalate the issue to another team. 

Today, XX/XX/XXXX, I received an email from XXXX XXXX stating '' Your appraisal has been ordered. '' Bear in mind that this process was waived early in the process, and we were in closing. Moreover, I was not aware of the appraisal and I did not approve it. I also received an email from Collateral Inspections requesting that I choose a date for next week. 
It appears Ally is doing everything to get out of this deal now that interest rates have gone up. They are using the appraisal against me because I informed XXXX XXXX that my daughter and my husband are unable to be exposed to anyone during the pandemic due to underlying health conditions. This is unfair, unethical, misleading. A