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

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

The BAY AREA CREDIT SERVICE offered me a pay now at a discount offer last year. I paid the discounted price that day. They have now sent a number of bills for the remainder ( discounted ) amount. They were contacted by phone as well as mailed and emailed a copy of the discount agreement. We asked them to mark this as paid in full and to send a receipt within 60 days. It has now been 120 days and I have just received yet another bill.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complain.

As per guidance from the Consumer Financial Protection Bureau ( CPFB ) the document needed and a letter from an Advocacy group helping me due to Human Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you Block this information from my Credit Report within four ( 4 ) Business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be removed, blocked and deleted from company information Transunion, XXXX and XXXX. Please delete the following accounts and ANY and ALL inquiries associated with the accounts. The accounts XXXX with a bal. of {$3300.00}, XXXX XXXX with bal. of {$210.00}, XXXX with bal.of {$0.00}, XXXX XXXXXXXX XXXX  with XXXX. of {$1100.00}, XXXX with bal. of {$600.00}, XXXX XXXX with bal. of {$5100.00}, XXXX XXXX XXXX  with XXXX. of {$310.00}. The XXXX inquiries from XXXXXXXX XXXX 


These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year> BRIDGECREST ACCEPTANCE CORPORATION committed a non judicial repossession ( not an order given by the judge ), on my personal property from a private location and pursuant to 15 USC 1692F that is illegal. There was no present right to possession of the property claimed as collateral through an enforceable security interest, the property is exempt by law. These corporations, these BANKRUPT MANUFACTURERS have been taking advantage of the people for so long they fail to stay in compliance. According to 15 USC 6802, BRIDGECREST should not and did NOT have my permission to disclose my non-public personal information to a non affiliate third party XXXXXXXX XXXX XXXX, that I have not done any business with, that is identity theft. No court order was signed by a judge nor was I notified in writing that such action would take place I was never given an opportunity to cure and my property was stolen. I never received any non disclosure forms to exercise my rights to opt out. The third party non affiliate XXXX XXXX XXXX was closed all weekend and I was without transportation and my wallet and other important items. My credit was extended to XXXX and BRIDGECREST bought this obligation for pennies on the dollar and is trying to coerce me into making payments for a consumer credit transaction before the Consumer Financial Protection Bureau has had time to complete its investigation. All payments should have been suspended during this administrative process. I informed BRIDGECREST that late payment was being held in escrow after seeking legal advice so there was never any refusal to pay.
Product: Checking or savings account

I was trying to open a business account with chase business, on XX/XX/XXXX online. 
I accidentally deposited the funds into an online checking account instead, I inform chase of my mistake, I was sent a link to open the correct account, in which I did. I told them to close the checking and put the funds in the new open business account I was told, it can not be done, they will refund the check, so I can put it in the business account, after about a month of waiting for the fund, I call chase to inquire about the funds I was told I can not get the funds until I provide a phone number of the employer, in which did chase rejected that number and continuously been doing the same with every phone number I sent, I went a chase branch to identify myself n was given the loss claim department I call kno result, it's been a roller-coaster ride since then, I even ask chase to speak to the employer n they refused, I would just like to get my check back...
Product: Checking or savings account

On XX/XX/XXXX at XXXX, I went to the Chase branch ATM machine and deposited {$7500.00} in cash to my savings account. The machine began counting it and totaled it to be {$5400.00}. I hit requested the ATM machine to return the cash, thinking that it will return the amount I deposited, but instead, it returned {$5400.00}. Out of the many thoughts that crossed through my mind, I deposited the money the ATM returned to me but in smaller quantities to avoid the same mistake. I was also hoping for the ATM to detect the missing money and waiting for it to return it back but that never happened. My biggest concern was that there is no physical record that I deposited {$7500.00} in the ATM machine so it would be my word against the receipt. I called and spoke with Chase customer service right away and XXXX filed a claim and said that an investigation was going to be done. He said if after ten days the issue was not resolved, a 2,000 temporary credit was going to be placed on my account. But for the meanwhile I was going to received live up-to-date notifications in my email, which I never received.

In fact, a few days later I received a letter from Chase about a claim to my checkings account and that no action was taken because XXXX claimed the wrong information, he filed a claim to my checkings account instead of my savings account. This factor doesnt help with the immediate action and investigation that had to be taken for a large amount of money.

On XX/XX/XXXX, I made a second claim via phone and written through the chase bank website. Via phone, the representative told me exactly what XXXX told me but this time, minutes later, I did receive the temporary credit and an email with a claim number. I also heard back from the written complaint stating that a claim has been open nd to continue with that claim.

On XX/XX/XXXX I received two letters from chase. The first letter stated their conclusion about my claim : They do not require any correction and are reversing the temporary credit of {$2100.00}. The second letter stated that I reported a transaction on XX/XX/XXXX and confirmed they were incorrect, and accredited my account {$200.00}. I never reported any transaction XX/XX/XXXX. This action is confusing and the claim that states is false because I never made a claim on XX/XX/XXXXon the amount of {$200.00}.

On XX/XX/XXXX, I went to the XXXX Chase branch and spoke to XXXX about the entire case. She spoke with a representative via phone. XXXX was told to send me to the precinct to request an authorization for bank video from the court. She said she was going to bring this to the managers attention and reopen the claim. She also said that I would be getting a call from Chase about this issue but I have yet to receive the call.

Each Chase representative will give me different versions in how to resolve this case. Chase has the authority to check their cameras in their ATM machines and conduct an investigation. Why would I have to go the precinct and ask the court to authorize Chase to check their own cameras? How does Chase go about researching and investigating in these cases?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a letter from XXXX XXXX  stating they have no bankruptcy on file from me .. XXXX  XXXX to say they verified this account with XXXX ... is XXXX verify this account when I have provided a letter from the vendor XXXX . This is my 4th time send this letter
Product: Credit reporting or other personal consumer reports

To whom it may concern : This letter is a formal dispute under the provisions of the Fair Credit Reporting Act ( " FCRA '' ) 15 USC 1681 et seq. that you are reporting inaccurate credit information.

After a careful review of my credit report it has come to my attention that there are several inaccurate listings contained in my credit report. The accounts listed below are incorrect and several are outdated. The following accounts need to be investigated immediately to reflect my truthful credit history. If any accounts listed below can not be verified they should be deleted from my credit report as soon as possible.

I was very upset when I discovered that you have included the information I have specified below in my credit profile which has resulted in my credit score being negatively impacted in a major way. As I am sure you are aware, the FCRA requires you to properly investigate any debt dispute. I am sure that the inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. 
Because of the mistakes on my credit report, I have been wrongfully denied credit recently which was extremely embarrassing and has negatively impacted my lifestyle. 
My rights were violated under Laws : 15. USC 6802 and 15 USC 1681a, 15 USC 1681b, 15 USC 1681c, 15 USC 1681- I, 15 USC 1681-I ( a ) ( 6 ) ( B ) ( 1 ) and 18 USC 1028A.

I was NEVER given the option to opt out from having my information to third parties which include but are not limited to the following entities and I did not receive Form 1099-c from any creditor.
Product: Credit reporting or other personal consumer reports

My information was used fraudulently to finance a truck. The person stop paying for the truck and now this information is on my credit and im being sued for whats owed on the vehicle. Also I filed a police complaint as well.
Product: Student loan

I am working toward loan forgiveness through the Public Service Loan Forgiveness program. 

A few months ago, I received notification that DOE finally approved an employer that's been in question for over a year - XXXX XXXX XXXX XXXX. I had originally submitted the paperwork to XXXX in XXXX of XXXX and received notification that the employer was verified by DOE in XX/XX/XXXX. 

My loans were transferred to Mohela in XXXX XXXX XXXX and at that time I already had XXXX qualifying payments without the additional payments I was expecting from my time working at XXXX XXXX XXXX XXXX With the employment verification of XXXX XXXX XXXX XXXX XXXX that will add an additional XXXX qualifying payments. I also still work for a qualified employer and have submitted employment verification forms for XXXX XXXX XXXX which would only add more qualifying payments. 

From XXXX and now Mohela, I've been waiting over 14 months for my counts which would exceed XXXX at this point in time. I'm so frustrated. 

I've submitted all of the proper documentation to XXXX and now Mohela. Mohela has had all of my information for over XXXX  days and still no action has taken place. I've made my XXXX payments, I've submitted all of the necessary documentation- I've done all that has been asked of me. 

Over the last 14 months, I have filed complaint after complaint, made phone calls, sent messages, reached out to local politicians, sent form after form. 

Now, I ask kindly, when will my loans be discharged?? 
I'm tired of waiting patiently
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion and XXXX failed to verify the accuracy of the account XXXX XXXX XXXX .The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in receipt of the results of the investigation which I have attached regarding the XXXX XXXX XXXX XXXX account appearing on my credit report per Equifax says on investigation results they claimed the account is not appearing on my report however I just pulled my report and XXXX XXXXXXXX XXXX XXXX XXXX account is still appearing on my report and still doing damage to my reputation. I ask that you please remove the account as soon as possible from my report and send me a confirmation after doing so please stop stalling and claiming account is not on my report when it clearly is reporting. That is a clear violation of the FCRA if not play misrepresentation of the facts. Remove a XXXX XXXX XXXX XXXXXXXX for my credit report as soon as possible
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit freeze, identity theft hold on my credit profile. XXXX is reporting credit inquiry from XXXX XXXX/XXXX XXXX XXXX, XX/XX/2018. I have mailed a request to XXXX to remove, they failed to follow procedure with credit freeze, identity theft on my profile.
Product: Mortgage

During the mortgage process I asked the lender to match the rate of the competitor. They obliged my request but failed to disclose that they obtained that rate not by matching it but by having me pay points to buy the lower rate. It was not broken out separately in the closing documents and was only brought to my attention when the tax statement for points paid arrived.
Product: Credit reporting or other personal consumer reports

Fraud credit reporting Requested all of this information from all 3 credit reporting agencies and no answer and nothing was give. 

I was frauded in XXXX and XXXX and just recently notified someone tried to use my credit card.
Product: Credit reporting or other personal consumer reports

Dear Creditors Representative I am writing regarding my account with your institution, I recently noticed that the account has been reported as charged off for {$460.00} of XX/XX/ on my credit report. I would like clarification regarding this matter. 

Please provide the following details : 1. Confirmation of the charge-off status of the account.

2. The amount that has been charged off.

3. Whether the debt has been transferred or sold to a collection agency. If so, provide the name and contact details of the agency.

4. Options available to resolve the debt, including the possibility of payment arrangements or settlements.

I am eager to resolve this matter responsibly and request that you provide any supporting documents and information regarding the outstanding balance. 

Thank you for your attention to this matter. Please respond in writing to the address listed above or contact me via email at XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously filed a complaint regarding important credit history missing from the 3 credit reporting agencies, TransUnion, XXXX and XXXX. Out of the three agencies I have acquired one accurate credit report summary from XXXX that reflects my correct 30+ year credit history summary. When I checked my credit reports around 4 months ago, all 3 agencies were the same as this attached copy from XXXX. 

Once more I would greatly appreciate your assistance in getting my credit history summary corrected with TransUnion and XXXX.
Product: Credit card or prepaid card

I am requesting a Refund of the Past Due Fee on XX/XX/XXXX in the amount of XXXX and the pass due fee of XXXX on on XX/XX/XXXX. Since the Switch over from XXXX  to Capital One I have not recieved my bills and the App malfunctions and does not tell the Minum Due on the Home Page
Product: Credit reporting or other personal consumer reports

I was shocked to see incorrect accounts on my credit report this morning with no explanation for why they appeared. I check my credit report regularly, and this time, out of nowhere, there were errors. I even refreshed my browser hoping it might be a glitch, but the inaccurate accounts stayed. I am truly concerned, and Im asking that the documents Ive provided be carefully reviewed so I can finally stop worrying about this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX. of XXXX marked my student loan accounts as late, when I clearly deferred my loans over a month ago. I also re-submitted my deferment documents ( this time online ) today to ensure that you got them. It is not my fault that a publicly funded university that receives millions of dollars a year due to ever increasing tuition fees can not keep up with their mail. Not only is it completely disgusting and abhorrent that this university would try to collect on loans during a national emergency and a global economic depression, it is also completely unethical and inaccurate to mark payments late while most of country is very obviously in unemployed, receiving benefits, and/or eligible for deferment through other means.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Account XXXX, has violated my rights. 

15 U.S.C 1681 Section 602A.

I have rights to privacy.

15 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 168 S-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.
Product: Credit reporting or other personal consumer reports

I discovered this account on being reported on my credit reports from XXXX XXXX and Experian. I sent dispute letters to all credit bureaus, in response XXXX and XXXX both deleted this credit card from my credit report yet Experian validated. Due to validation I called XXXX several times and was repeated informed that there was no credit card found under my name or my ssn. I disputed this again to Experian and it continues to be reported to my credit report. This account is being reported on my Experian credit report as XXXX balance {$960.00} partial account number XXXX showing being opened in XX/XX/XXXX, XXXX Credit limite of {$1000.00}. I do not have any recollection of ever opening this account, even XXXX doesn't have this information in their system under my name. Attached is my last credit report, its on page 4
Product: Credit card or prepaid card

Thank you for reviewing this : Prev complaint XXXX made XXXX XXXX and closed. Citibank replied by restating the terms of the Promotional Balance program but not admitting to wrong doing or that I had complied with the rules completely. This newest part of the issue is because they failed to process my payments as requested by me and acknowledged by them. Attachments show : Stmt XXXX XXXX shows : XXXX due for Promo Bal due XXXX XXXX / XXXX due for Promo Bal due XXXX XXXX ( side fact, I paid the XXXX on XXXX XXXX and requested it be applied to the Promo Bal Due XXXX XXXX ). Ltr from them XXXX XXXX confirms I requested payments in excess of min bal should apply to Promo Bal due XXXX XXXX Payment XXXX made XXXX XXXX ( after minimum due paid XXXX XXXX ) so the XXXX shd be applied to Promo Bal due XXXX XXXX. The payment made XXXX XXXX was NOT applied to Promo Bal due XXXX XXXX but applied to the Promo Bal due XXXX XXXX. The result of their constantly misapplying my payments is that they charged me {$160.00} for interest on the Promo Bal due XXXX XXXX for not paying it off in the agreed upon manner.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times for several years and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect customers 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: Credit reporting

When using the www.annualcreditreport.com website, Transunion link only offers a " sign-up '' for {$1.00} for use of the website. 

Pasted web page ; TransUnionFree Credit Score & {$1.00} Report Unlimited updates to your TransUnion credit score and monitoring Email alerts of any critical changes to your TransUnion credit Personalized debt analysis and credit trending Up to {$1000000.00} in Identity Theft InsuranceGet my ScoreDo n't worry, checking your score wo n't lower it. 

Offer Details : Your FREE TransUnion Credit Score & {$1.00} Credit Report are available as part of a XXXX-day trial of our subscription-based credit monitoring service. You may cancel at any time during the trial period. At the end of your 7-day trial, you will be billed at the low cost of only {$17.00} per month ( plus tax for NY residents ). 

XXXX Get Your TransUnion Score 3 Achieve Your GoalsGet my Score
Product: Checking or savings account

I was trying to connect my PNC account with my XXXX and it is not allowing me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to instate a credit freeze with XXXX, XXXX, and TransUnion. All attempts failed beginning at XXXX PST. It looks  like I will have to either call in the middle of the night, or do this by mail. 

Why do I have to pay {$10.00} to anyone to freeze my credit, when it was the negligence of the companies as well as lax data security policies that put 140,000,000 US citizens at risk of identity theft? 

The fact that it is n't easier to secure my identity in this situation is frustrating and infuriating. This process should be almost automatic, not reactionary. 

I want companies like XXXX, XXXX, and TransUnion to have to ASK my permission to use my identity information.
Product: Debt collection

This company portfolio recovery has repeatedly called me, my relatives, and leaves threatening voicemails about locating me and getting in touch with my supervisor they have called several of my relatives stating they know their address and will come to see if Im there.
Product: Vehicle loan or lease

Credit acceptance over charged me for my XXXX XXXXXXXX XXXX XXXXXXXX