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

I have paid down all my credit cards on XX/XX/XXXX and my credit card companies have sent an update to XXXX, XXXX, and Equifax but they have still not posted the update to their reports - I have called each one and have asked them to update but they make me go through the process of doing a dispute rather than just publishing the new information. I need them to update it as I have to raise my score as much as possible to get a mortgage. I have even had the credit companies send letter to them - attached are copies of the letters
Product: Credit reporting or other personal consumer reports

UNAUTHORIZED INQUIRIES ON CREDIT REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am unable to access my account or money. Simple banking has transferred their accounts to BBVA. They would not allow people to transfer the accounts earlier. They only allowed this transition XX/XX/XXXX, conveniently a XXXX. Now trying to transfer the account results in a system error online. And attempting to contact them by phone results in our system is overloaded and automatically disconnects you. In this day and age this is ridiculous. I can't tell if this is outright fraud or a run on the bank 's money, but basically all Simple/BBVA customers are not able to access their money/accounts/or talk to a company representative. Please fine them, this is a huge class action waiting to happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian & XXXX continue to erroneously report multiple public record items that their public records vendor is not reporting ( see attached ). Additionally, Experian has covered the fact that XXXX is it's public records vendor in a malicious effort to harm the consumer ( ( EXPERIAN PUBLIC RECORD SETTLEMENT Case No. XXXX  ( XXXX Va. ) and Case XXXX XXXX ( XXXX Va. ) United States District Court for the XXXX District of Virginia ) ). I am requesting these credit bureaus be investigated in my case ...
Product: Credit reporting or other personal consumer reports

I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$1500.00} ; XXXX XXXX XXXX  ( Original Creditor : ) XXXX Balance : {$590.00} ; XXXX XXXX XXXX XXXX Original XXXX : XXXX XXXX XXXX ) XXXX  Balance : {$3400.00} ; XXXX XXXX, XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX Inquiry XXXX XXXX XXXX, XXXX ; XXXX XXXX  XXXX Inquiry XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXXXXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXXXXXX Inquiry XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list Of accounts below has violated my federany Protected Consumer rights to privacy and Confidentiality under 15 USC 1681 Account name : fair collection & out Account numberXXXX Date opened : XX/XX/XXXX Account mame : XXXX XXXX XXXX  Account number : XXXX Date opened : XX/XX/XXXX Account name : XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Has Violated my rights. 15 U.S. c 1681 Section 602 A States i have the right to privacy. 15 U.S.G 1681 section 604A Section 2 : it also states a Consumer reparting agency can not furnish a account without my written instructions. 15 vis. 1681 c ( a X5 ) section States no consumer reporting agency may take any consumer sepost containing any of the following items of information any other than records of Convictions of crimes Which antedates the report by more than seven vears. 15 US. C 16815 2 ( A ) ( 1 ) A person Shall 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.

privacy and Confidentiality under 15 USC 1681.
Product: Credit card

Chase credit card offered of cash back was not honored : The Chase offer for cash back required me to add the " offer '' to my card in the Chase mobile app, and then make a purchase of {$400.00} or more, using the qualifying credit card from XXXX XXXX XXXX XXXX XXXX and receive {$200.00} cash back. I made a qualifying online purchase from XXXX for {$440.00} on XX/XX/XXXX at XXXX, and have proof of this from the order confirmation email from XXXX ( I will attach ). The purchase immediately appeared pending on the qualifying credit cards transaction log, however Chase claims the charge did not post until XX/XX/XXXX and therefore didn't qualify for the cash back as the offered expired on XX/XX/XXXX. Chase doesn't seem to have an explanation as to why this purchase was pending for 3-4 days but refuses to honor the cash back. The offer terms and conditions state payment must be made on or best XX/XX/XXXX, therefore my purchase made on XX/XX/XXXX qualifies. I have raised concern to Chase customer service three times, most recently on XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express concerns regarding Zelles handling of disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lot funds was impossible and that tracking these transaction was unfeasible. The CFPB findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

Hi, last XXXX I started to receive call from " Renton Collection '' about a debt I have because of different XXXX XXXX I have received in the last 2 years. 

I paid every hospital bill, but they mention that I need to pay to the doctor network as well. 

I never received a bill for this and Renton Collection didn't send me a summary of this, I want to pay but need to validate where debt come from and why I didn't receive before, and now I need to lead with them instead of directly with the institution I received the service. 

Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a whole bunch of inquiries on all 3 of my credit reports, and I do not know where they came from. I have contacted all 3 credit bureaus and a whole bunch of the companies, but no one will help me. I have XXXX  kids and my oldest is XXXX and legally XXXX, this is really affecting my credit in a very bad way. And honestly it is affecting my life in a very negative way also!!! Please I need your help???? There is over 45 inquiries on each REPORT!!!
Product: Credit card or prepaid card

An authorized user used card to rent a vehicle from XXXX. I immediately block users card 3 days after I realized the charge. I believe the charge hold was in XX/XX/XXXX. The amount I believe was {$270.00}. The hold was released. I believe a week later. I assumed the authorized user paid the amount. On XX/XX/XXXX, XXXX charged {$5200.00} to my credit card account. I notified my credit card co Capital One Bank and a dispute was put on my account. I informed the bank that the users card was blocked and why was this charge put on my account when I blocked the authorized users card. The credit card id secured card with a limit of {$700.00}. The charge from XXXX in the amount of {$5200.00} was charged back to my account on XX/XX/XXXX and an additional charge of {$74.00} from XXXX was put on my account XX/XX/XXXX. The dispute case # XXXX.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I asked to have credit company, validate the debt and provide the instrument used to validate the alleged debt. Reappeared once removed and violated 15 U.S Code 1681n.This account is inaccurate please delete XXXX XXXX XXXX- Account- XXXX balance- {$720.00} I have asked for all the creditors that has falsely reported information on my credit file to validate debts by providing proof of this alleged item, specifically the original application, contract, note, other instrument bearing my signature and payment history. Please provide this information within 15 days. 
This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. 

This is inaccurate and needs to be deleted immediately as its a violation.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I recently received a copy of my credit report, and I noticed your furnishing an account on my consumer report that should not be on there. I demand the below accounts be deleted from my consumer report. 
1. XXXX XXXX XXXX XXXX Account # XXXX Account status is incorrect on all bureaus. This bureau is showing negative while the others are positive. This is inaccurate reporting. All three bureaus must maintain joint notification which puts this account in violation. 

Please delete this from my consumer report. 


The reporting of this account ( s ) is/are violations of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 
I demand this account be deleted from my consumer report. 
Best regards,
Product: Credit reporting or other personal consumer reports

Based on the Cares act for Covid 19 effective XX/XX/XXXX I requested late payment removal for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX per XXXX XXXX XXXX ( a ) ( 1 ) ( F ). ). I mailed multiple letters no response and when I called XX/XX/XXXX the representative told me that there wasn't a specific department to speak with about previous correspondence and system doesn't allow removal that far back so there was nothing that could be done contacting them. I want the late payments removed as I made payment and kept my account current.
Product: Debt collection

Online Information services Service for years have been showing on my credit report that I owe two amounts owed for {$100.00} and {$160.00} since XX/XX/XXXXand both of these amounts have been paid in full and when I call on XX/XX/XXXX I was told by them that the doctors office had to call to have it removed but when I spoke to the Doctors office on the same day they said that the collection agency would have to call them, both parties are giving me the run around about removing this false information because the Doctors shows both amounts have been paid years ago and it is affecting my credit profile and credit score badly. This is the account numbers Online Information Services are showing XXXX and XXXX and they show unpaid but the Doctors office that reported said that have been paid. Please help me get this cleared
Product: Mortgage

Back in XXXX I got an FHA loan on my home. I put the required amount down ( 10 % ), and was told that the PMI insurance ( mortgage default insurance ) would come off after 5 years. This wasn't the case as I am still charged PMI now in XXXX. 

By law, FHA loans before XXXX can have the PMI canceled after 5 years, or have 22 % equity in the property with no missed payments. In XXXX the banking industry got a law passed to make PMI insurance ( an income product they sell to investors and get paid to service the payments ) mandatory for the life of the loan. Since mine was on the books before XXXX, the PMI for life of the loan rule does not apply. 

I purchased my home for approximately $ 142K. Due to improved local real estate conditions, and several major home improvements my house was conservatively valued well over $ 200K+ ( by a local real estate agent and their team ). This market equity meets the legal guidelines for PMI removal, and since I have never missed a single payment in 10 years I should not have to pay PMI payments each month. 

Here is the complaint : 1. My mortgage issuer ( Wells Fargo ) is not using market value ( $ 200K+ ) they are using the loan value listed on my amortization schedule, which is based off the original purchase price. They choose to not use the market/sale value to calculate LTV. Instead, they use the loan balance divided by the original value of the home as their " loan to value. '' 2. This odd calculation was never shared with us before we got the loan. Or that fact, we would need to pay PMI for 20 years on a 30 year loan. This is unfair for other reason as well. If I defaulted, and they sold my home they would make a healthy profit ( easily double their loan principal ). My credit score is over 800, and I have never missed a payment. Paying mortgage default insurance is a waste of my money. 

3. Since they recommended that I get an FHA " so I only had to put 10 % down '' I feel even more abused, as I could have put down more and just got a conventional loan instead ( without PMI ). 

4. This is also a devious way for them to force me to refinance. They say I need a market value appraisal to remove the PMI. They will order it and I will pay for, then they can refinance me into a conventional mortgage without PMI. The evil in this, is the appraisal and refinance charges are more than the PMI payments I have " left to make. '' Plus, the rate on the new loan they offer is identical to the FHA one. 

5. Those monthly PMI payments could be dedicated to 1.5 months mortgage payments ( an extra payment each year ) and if applied directly to the principal it would have reduced the interest paid. 

Can you help me get the PMI removed?
Product: Credit reporting, credit repair services, or other personal consumer reports

I was effected by the the eqaifax security breach and enrolled in there free identity theft protection services id premier which is supposed to reemburse you for the cost to restore your identity up to 1 million dollars I bought my house during the beach and moved and XXXX the insurance company with the id premier service wont let me file my claim with out the original letter from eqaifax informing me that I was effected by the breach the letter was sent to my old address Im assuming because I never received it Equifax says they cant send me another letter for what ever reason that I can got to there web site and type in my info and that will tell me if I was effected but when u do that and hit submit it opens a new window with a brief message saying according to our records you where effected by the breach but XXXX want except that because it doesnt have my name on it
Product: Debt collection

I've discovered inaccurate and unauthorized accounts on my credit report. Please remove these fraudulent listings at once.
Product: Debt collection

I mail letters to the three credit reporting agency 's regarding past due accounts over Seven years old.They send me letters stating the accounts will be remove from my credit report raising my credit score a little.On XX/XX/2018 this company named ERC- REF # XXXX ACCOUNT # XXXX Amount debt # XXXX. I'm disputing the validity of the debt in question. I don't recall any service from XXXX XXXX XXXX XXXX
Product: Credit reporting

There is an address listed in XXXX that was related to a fraudulent account. The, fraud that occurred was straightened out over 10 years ago, but the address associated with that fraud.needs to be removed from my records. I have never lived outside of California
Product: Checking or savings account

Hello! I just wanted to send this recent experience that I have had with Wells Fargo and their fraud protection. Let me start that I have been a Wells Fargo customer since XXXX  and they have been my main bank. 

Recently I was in XXXX XXXX on vacation and my phone was stolen and so was my debit card. The criminals were very competent and quick acting. Within hours, as I was trying to find my phone, a team of people had used my debit card, hacked my phone and stolen all my money. They turned off my password on my XXXX, deactivated my " XXXX XXXX XXXX  '' app, deactivated XXXX XXXX XXXX, pulled money out ATMs around the city and drained my savings account. They also downloaded the " XXXX XXXX '' and transferred money. The transactions were thousands of dollars at a XXXX in XXXX XXXX, where I never was and spent thousands more dollars at the XXXX XXXX. I have never shopped at the XXXX XXXX  in my life. I have all the emails and notifications saved and was prepared to share this all with Wells Fargo in order to get my {$10000.00} which was stolen from me. 

So with all that being said, one would think that Wells Fargo would have my back and do the right thing. Not only should they have, it's nothing compared to the profits Wells Fargo makes each year. {$10000.00} is nothing to them. 

After many calls and emails over the next couple months and opening up new back accounts, I have nothing to show for it. I was told so many times that someone from Wells Fargo would get back to me and they never did. Each time that I spoke to someone, I had to re-explain the situation. This was also the fraud department. After all this time, I had one last phone call with the Wells Fargo fraud department. They admitted that what I experienced was fraud, they knew I didn't purchase these items in XXXX XXXX nor did I take money out of random ATMs around the city of XXXX XXXX. They told my that there was nothing they could do. They verbally admitted to me that it was 100 % fraud but they weren't obligated to give me any money back. 

Now that I have had time to calm myself down as all my savings account had been drained by theft, I finally had time to reflect. This was money for hours repairs and vacation money that I had been saving for years. 

Thank you! Again, I have all the emails saved to prove that it was fraud and theft.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXXXXXX XXXX XXXX
Product: Credit card

SYNCB/LOWES card was opened under my name on XX/XX/2023 for {$1200.00}. I have disputed the fraudulent card opening and charge with XXXX, XXXX, and XXXX.
Product: Vehicle loan or lease

I seems like I'm never going to pay this car off. I had this car for 5 years in XXXX and it has XXXX miles on it and I still have over {$12000.00} to pay back. Yes I know I missed some payments but It just seems like with the high interest rate, I'm never going to be able to pay off this car.
Product: Checking or savings account

credit card from fl. XXXX XXXX had an agrement to take {$150.00}. out of my checking acct. very month, on XXXX/XXXX/XXXX they took it out but also on the XXXX, they took unarthorize amount of {$750.00}. have called over a week said no money then said would credit wish they have not done. it made my checking acct. to be overdrawal {$750.00}, can u help me
Product: Debt collection

In response to XXXX, financial duties is to borrow pursuant to 12 United States Code 1431. Therefore employees at Toyota Financial Services refused to provide the XXXX XXXX information and can be heard on the phone stating that Im breaking up whenever they are questioned about the XXXX XXXX and to transfer me to the XXXX XXXX Department. Since they are being upholding unfair, fraudulent, misleading and deceptive practices by conflicting oppressive, I will file a subpoena regarding such matters and filing a claim with the XXXX. Theres no evidence which proves that these employees have not violated truth in lending section u and z. They know that any application submitted paid for the goods.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card account from XXXX XXXX showing up on my credit report that is showing inaccurate information. In XXXX my ex-wife and I divorced, the judge awarded her this debt. Since the divorce my ex-wife has not paid, it has been written off and is negatively showing on my credit report. I have tried talking to XXXX XXXX and they have said they do not honor divorce judgments. So I went to the credit bureaus. XXXX  has acknowledge this should not show negatively on me ; TransUnion and XXXX, however, are saying that XXXX XXXX says the information is accurate. I have provided the divorce paperwork to all of these companies and they just keep pointing me in the direction of the other guy. 
XXXX  cleared this dispute back in XX/XX/XXXX, TransUnion and XXXX  just finished the disputes ( acknowledged that the information was correct ) end of XX/XX/XXXX however nothing has changed on my reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

To CFPB, We previously contacted you concerning Trans Union and the old inaccurate addresses still on my report. Trans Union did send us a report but stopped short of showing the deletions of the old addresses. This is troubling to us considering that Trans Union states they take the accuracy of a report seriously. Apparently not!!