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

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Bureaus are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and Bureaus couldn't provide me a copy of verifiable proof, you must remove the accounts listed : XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX  ( ORIG CREDITOR : XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX ), XXXX XXXX   XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX ) -- all same account name, original creditor name, but different trade lines on my credit report.. XXXXXXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX ) , XXXX XXXX XXXXXXXX ( ORIG CREDITOR : XXXX XXXX XXXX ) , XXXX  XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  These 4 accounts are not mine. They are fraud and were possibly opened under my identity but I am not aware of how they got started. Under rule 609 they must produce the documents used to open the account or remove. I have written letters, called and no one helps. This is not right. The 4 Accounts and the balance are : 1 XXXX. {$7300.00} 2. XXXX XXXX XXXX. {$400.00} 3. XXXX XXXX {$220.00} 4.  XXXX. {$1100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

None of these fraudulent accounts are related to any of my legit transactions. Recently I was checking my credit and I found these accounts that don't belong to me. These accounts are the result of identity theft. I don't know who the perpetrator is and I need these fraud accounts removed as soon as possible. My personal information was a part of the XXXX Data Breach in XXXX and I assume that is when my identity was stolen. 

These are the fraudulent accounts : XXXX XXXX that opened last XX/XX/XXXX, PREFERRED CR that opened last XX/XX/XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX that opened last XX/XX/XXXX.
Product: Bank account or service

I am in the habit of paying my credit cards around the first week of the month. I do this electronically. I was under the impression that this was the correct thing to do, and in 2015 I have consistent records showing a payment to my credit card every month. In some months, I even paid down the cards twice. 

Chase, however, had my due-date set for the end of the month and so paying at the beginning of the month resulted in XXXX late fees. I believe that Chase sets end of month due-dates in order to confuse customers like myself, and this is an abuse of their power over their customers. 

Because I did not notice these late fees until now when I am preparing my taxes, Chase is refusing to refund me the money even though they agree that indeed, I did pay my credit card every month -- sometimes even twice in a month. 

I would like Chase to refund me these XXXX fees from XXXX and XXXX of last year - totally {$80.00}. In addition to my checking account, I have a mortgage currently being held by chase. They need to refund this money in order to keep me as a customer - I will absolutely transfer my accounts elsewhere.
Product: Money transfer, virtual currency, or money service

I received a report of fraudulent activity on my PayPal account on XX/XX/18 that someone had requested {$500.00} and if I did not cancel it would come out today. I canceled the request and called the number provided by PayPal for fraudulent activity. XXXX. 

The non-US person stated that he would cancel the request. I informed that I had already canceled and that I was reporting the user that requested. He hung up on me. 

I called back 2 times and he continued to hang up on me. 

The last time someone else answered that he would take care of my cancel request to which I informed that I would be reporting the establishment for taking place in fraudulent activity. BUYER BEWARE
Product: Credit card

I was told it wouldnt affect my credit score and low apr. the card has been a nightmare trying to payoff. I contacted them for an assistance program and to close my card for a lower APR and they refused.
Product: Credit reporting

Credco in XXXX XXXX, CA did XXXX hard credit inquiries XXXX day after the other on XXXX XXXX, 2015 and XXXX XXXX, 2015. I have no idea why they would pull XXXX hard copies reports on 2 consecutive days. I may have authorized XXXX, but, never XXXX in XXXX days. This is hurting my credit rating and XXXX should be removed as it is clearly a duplicate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have wrote to XXXX, equifax, and more then 3 times about them posting unfair inaccurate information on my credit report and they keep writing me saying that the information they are posting is accurate, how can that be if they all are posting different information for the same accounts.
Product: Mortgage

Wells Fargo Home Mortgage request from XXXX that an insurance check in the amount of {$49000.00} be reissued and sent to them. WFHM forged my signature and deposited the check even after I object. Pursuant to Georgia Code OCGA 11-3-116 ( b ) .An instrument payable to the order of two or more persons :... [ i ] f not in the alternative is payable to all of them and may be negotiated, discharged, or enforced only by all of them. '' ( Emphasis supplied. ) OCGA 11-3-116 ( b ). " An instrument is converted when :... ( b XXXX Any person to whom it is delivered for payment refuses on demand either to pay or to return it ; or... ( c ) It is paid on a forged endorsement. ''
Product: Credit reporting or other personal consumer reports

Experian has failed to meet its legal obligation under the Fair Credit Reporting Act ( FCRA ) by not conducting a reasonable reinvestigation of the disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently sued Experian over systemic failures, including its refusal to forward consumer-provided evidence to furnishers, reliance on unreliable responses, and inadequate consumer notifications regarding dispute outcomes. My experience reflects these same issuesdespite submitting clear evidence, Experian has neither corrected nor removed the disputed items, causing ongoing harm to my credit standing. I am demanding immediate corrective action to remove or amend these accounts, as Experians inaction violates federal law and infringes on my rights as a consumer.
Product: Money transfer, virtual currency, or money service

I am filing this complaint regarding XXXX inadequate handling of disputes, particularly in light of the CFPBs recent lawsuit, which has highlighted systemic issues with the platform. I experienced discrepancies with who I sent money too. When I attempted to resolve this issue through Zelle and my financial institution through the resolution process, I encountered significant obstacles : they failed to investigate my claims adequately. They informed me that recovering lost funds was not possible and that tracking the transactions was unfeasible. 

The CFPBs findings indicate that XXXX process for dispute resolution does not seem to comply with fair and transparent practices. Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. As a consumer, I am deeply concerned about their accountability and adherence to regulatory requirements.
Product: Checking or savings account

I was sent a check XXXX via fed-ex. 
The check turned out to be fraudulent. I simply deposited it. 
I DID not attempt to use any funds. 
I apologized for it. The bank ( M & T Bank ) where I HAD been a customer for 21 years, asked me then to close all of my accounts, citing that after 21 years I was a high risk for simply depositing a fraudulent check. 
a ). I apologized b ). I explained how I came to get the check - the people that sent me the check were arrested in XXXX. 
c ). I made NO attempt to use the funds. 

Yet, I am the victim and now I continue to be the victim.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/XXXX, 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. These accounts [ First Progress Card & XXXX opened on XX/XX/XXXX with them amount of {$230.00}. [ First Progress Card XXXX opened XX/XX/XXXX with the amount of {$200.00}, are not complete and accurate. The open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I believe your actionsor lack thereofconstitute.

Your personnel 's inability to communicate effectively in clear English and the repeated delays and contradictions in your process are unacceptable. This lack of accountability not only hinders my efforts to resolve inaccuracies on my credit report but also erodes my trust in your institution 's integrity.

I demand an immediate investigation and resolution of my dispute, as well as a written confirmation of corrective actions taken. If this issue remains unresolved, I will consider escalating the matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Mass. Attorney General 's Office, and pursuing legal action under applicable state and federal laws. 

I look forward to your prompt attention to this matter and expect a response within 15 days of receipt of this letter.
Product: Mortgage

XXXX XXXX XXXX Reported me late to the credit Bureau and has violated their Forbearance agreement due to COVID 19. I applied for a forbearance due to job loss. I was told not to pay. I advised the bank that I will pay this loan off with funds from a 401k plan. That I just needed time to pay this off, They approved my forbearance and waived late fees. I have disputed this with all 3 credit bureaus. 

On XX/XX/XXXX I requested a forbearance via telephone. I was advised by the representative that If I don't hear back from her in 48 hours the forbearance would be approved. On XX/XX/XXXX I sent an email to follow up in regards to the forbearance. On XX/XX/XXXX I received a letter dated XX/XX/XXXX from XXXX XXXX stating I was granted an extension and that my next payment would be due XXXX. On XX/XX/XXXX I received funds from my 401 K plan and paid off the loan in the amount of XXXX. I was advised by XXXX XXXX XXXX in the collection dept. That they would consider correcting the late score due to these unprecedented times. The loan # XXXX with XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I did the 90 day pay out option with acima credit for a outstanding balanced I owed to acima. At the time, I did the payout over there automated service. I did this early pay out on XX/XX/XXXX The automated service charged my card for whatever I owed them as a 90 day pay out which resulted to a payment of {$420.00}. On XX/XX/XXXX I put a STOP on any auto payments with my bank account so i could do the 90 day pay off instead. So I got the {$420.00} loaned to me to do a 90 day early pay off with acima so my total balance on the account would not double as they told me it would if it was not paid by XX/XX/XXXX. They some how Aquired my  debit card number that i never provided, and on XX/XX/XXXX started taking money out of my account again without my knowledge. So I contacted my bank and stopped all payments from them and I immediately contacted acima VIA live customer service. The representative I spoke to said there was a pending XXXX from XX/XX/XXXX that did not clear at the time of my early payoff so there for went past the 90 day pay out option and doubled my total, which they say resulted in re-opening my account. I offered to pay the {$64.00} that supposedly never went through in hopes it would clear my balance with them but the representative said I MUST pay {$900.00} now. I dont see why there system like she says, did not recognize there was a missing payment and why there system wouldnt just add that {$64.00} to the early pay off total. That is not my fault. They instead applied the {$420.00} I paid them to installment payments instead of the " early pay off ''
Product: Credit reporting, credit repair services, or other personal consumer reports

American Express claims I had a New Balance of {$170.00} with a Please Pay By date of XX/XX/2017 and another new balance on XX/XX/2017 statement showing a Past Due Amount of {$280.00} American Express also claimed I had a new charge from XXXX XXXX XXXX XXXX for {$100.00}. As I have mentioned to both American Express and XXXX XXXX XXXX the debt collection company they assigned to collect this debt that none of these transactions were mine and I had no idea who they belong to. 

Out of stress and frustration I offered XXXX XXXX XXXX XXXX a one time offer to settle the account for {$100.00} just to get rid of the derogatory account, they countered with {$220.00} I declined because I was not going to pay this company more money for an account with transactions that were not even mine, period! 

But now I'm fed up and have had enough I want the entire account removed from my credit report in its entirety. 

Dependent upon the response, I will detail any potential issues with both American Express and XXXX XXXX XXXX XXXX via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Attorney Generals Office CC : XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX Some one send through my account XXXX XXXX and right after the same day another XXXX $ to a guy i don't know named XXXX XXXX. As soon as i found out i called the fraud department of citi bank, they temporarily put back the money while doing their investigation. After few weeks without letting me know, they took back the money from my account, putting me in really difficult position, i was't able to cover my rent. 
I work in construction and don't make much, but always able to take care off my bills. 
Also, since last year, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX have been charging me monthly during covid, while the gym was closed, i called the bank and told them not to allow any charges. After the gyms opened, the local gym that i was signed up was closed, meanwhile the XXXX was still charging me, over all most of my savings for this year were gone from my citi bank. I closed my account with the bank today as of XX/XX/XXXX. I am not sure if i will ever get my hard earned money. Any help will be really appreciated in this hard times. Thank you in advance if you can do anything to help.
Product: Vehicle loan or lease

THERE WAS AN AUTO ACCOUNT OPENED UNDER MY PERSONAL NAME AND SOCIAL SECURITY NUMBER FOR THE AMOUNT OF {$38000.00} ON XX/XX/year>. I REACHED OUT TO THE COMPANY FOR MORE INFORAMTION ON HOW THE ACCOUNT WAS OPENED AND SOMEONE USED MY INFORMATION TO OPEN IT WITHOUT MY CONSENT.
Product: Mortgage

The initial complaint was submitted on XX/XX/XXXX. The staff named XXXX contacted me on XX/XX/XXXX called me saying she will be investigating and shadowing all calls and grt back to me after the fourth of XXXX holiday and see if she can provide any resolution. She did not get back to me until XX/XX/XXXX, left me the voicemail saying I did not get back to her whether I want to close the account or not. 

I made several attempts and left the voicemail to her and she never got back to me. She failed to address the issue that I have with the heloc account- I requested to waive the origination, annual and closing fee since I do not intend to use their heloc due to PNC failed to provide the adequate and prompt service and disclosure on payment method, purposely delayed the payment and blocked the payment making the checking account closed and heloc account to be overdue, went to the branch to resolve but no one could help. Multiple phone calls were made to the escalation team and they were unable to help. Requested to speak with the manager with the issues above and no one was able to resolve and bouncing the calls around to different departments- avoiding and delaying to resolve the issue again. Could have hurt my and my husbands credit scores. 

Also, XXXX just waived the late charge fee and she failed to reinstate the discounted mortgage interest rate with associated pnc checking account that was initially offered to us when we signed up for heloc. 

The initial complaint number is 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 federal protected consumer rihgts to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX, XXXX XXXX {$54.00} XX/XX/2021 has violated my right. ( I was not even a resident of the United States of America at the time the account was opened. I am a XXXX XXXX 
15 U.S.C, 1681 section 602 A. States I have the right 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 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting

I got notice of a judgement from a company called XXXX , XXXX about XXXX years ago for a bill that I had no idea what it was for but by the time I was served with any information they already had a judgement and garnished my wages for the full amount until the bill was at a XXXX balance. I did dispute the bill years ago but it remained on my credit report anyway but as of XXXX XXXX 2016 I just got a notice saying they were trying to sue me again for what i assume is the same bill but still with no explanation of wha the debt was. I paid the bill without knowing what it was for because my wages were garnished but now its come up again. I do not want this to affect my credit for another 10 years especially since they are billing me out of the blue, years later and again ... I have NO KNOWLEDGE what the bill was for.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document of my identity theft. I am also a victim of the XXXX XXXX and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXXXXXX XXXX as well.
Product: Credit card or prepaid card

XXXX XXXX Care Credit was reporting to the major credit bureaus that I was an authorized user of a Care Credit account. I do understand that Care Credit can report Authorized User credit history to the credit bureaus. This isn't the problem.

I am unaware of being an " authorized user '' on any Care Credit account ( I had my own, which was paid and closed, a while back ). The account I was supposedly an authorized user on was opened in XX/XX/2014. I've only discovered it because I am trying to buy a house and had to get my report. 

Even though there is a positive payment history, the high balance is hurting me and keeping me from getting a loan. I disputed the account showing I was an " Authorized User '' to XXXX  and Care Credit apparently verified the information as accurate, then updated it to report that the account was my own! This makes the problem worse. How did Care Credit determine I was no longer an " authorized user '' but now, all of a sudden, the actual primary account holder? That's nuts.
Product: Credit card or prepaid card

Z I have banked at Wells Fargo Bank since XXXX  to never have a problem until I try to get a mortgage for my home I just bought in Maryland I had a credit card that was compromised and the bank canceled the card sent a new card with the debt of the old card. XX/XX/XXXXXXXX  Trying to attain a mortgage I was denied the mortgage because of one thing on my credit rating after going through some other changes with the bank I had to consolidate my bills While starting consolidating the same credit card that was supposed to been canceled and transferred to the new card showed to be still active. When trying to talk to Wells Fargo about it the bank became hostile and I didn't know what else to do. My credit was fine until I tried to get a mortgage other problems occurred in the banking service as well. 
I was turned down because of poor credit rating the one item on my credit report was a fraud claim my only loans are through the Wells Fargo I'm My only thought is to believe it's an act of discrimination any other problems I had was due to rules changing which cause major problems without notification of rule changing of disputing any kind of problem on your credit cards from two years to now a hundred and twenty days.