23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I'm locked out of my account, the App behaves poorly, doesn't do face ID regularly, invalid Pin ( even though I haven't changed it in 10+ years ). Worst banking account I have. All other bank accounts work perfectly no issues. 

I've complained multiple times so this needs to be documented. 

Automated system on phone doesn't let you talk to a representative anymore. Was easier to file this complaint took 10 minutes to get someone. 

Please have the IT department learn to code or do something productive. They are terrible at their jobs. All my banking accounts work fine except USAA. It's embarassing to be associated with this company at this point due to recent quality Issues.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt Vs. Gravens ( mo ) 281 SW 715,719, I presume no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Product: Bank account or service

Bank of America allowed XXXX Federal IRS tax refund checks that were jointly written to my ex husband XXXX XXXX XXXX and myself XXXX XXXX XXXX to be deposited and cashed by my ex husband without my authorization or signature. I do not now nor have I ever banked with them. The checks in question total {$730.00}. They were deposited into his checking account at one of their atms in XXXX, Maryland. The checks were never stopped once the transactions were posted on the next business day. The checks in question were forwarded illegally to someone else 's personal P.O. Box that did not belong to either my ex husband or myself. I contacted them to resolve this issue but they have refused to deal with me since I am not the account holder.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FTC XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Prepaid card

In XXXX of XXXX I requested a fraud investigation to be done by Direct Express because I noticed several fraudulent XXXX charges totaling {$1500.00} had been charged to the card over a period of a few months. As of recently Comerica has been sued in a class action accusing the bank Comerica and XXXX, the call-center operator for the program, of failing to properly handle fraud claims, reimburse customers, and oversee third-party vendors. The plaintiffs also alleged that the companies violated the Electronic Funds Transfer Act, which protects consumers when banks handle fraud claims. These actions were made in the period of time when Comerica was the distributor of the XXXX XXXX card. I previously submitted records of my XXXX of transactions to prove the excessive fraudulent charges were different from my legitimate ones showing the purchases didnt align with the fraudulent transaction 's. In XXXX of XXXX they denied my claim stating they couldnt differentiate the charges because I entered into an agreement with the merchant. They never reached out to XXXX for any information to assist in the investigation, and XXXX wouldnt disclose any information about the fraudulent chat because of confidentiality since they hadnt come from My own account. I lost out on over {$1500.00}, the card company wouldnt send any information regarding their so called investigation, their ceo wouldnt help, no one would. This company has decided to settle within the class action which shows theres a high probability of customers claims being incorrectly denied and rights being violated. I am asking Comerica to do the right thing and settle my claim of {$1500.00}.
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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1, XXXX XXXX XXXX XXXX Account # XXXX XXXX, XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX XXXX  Account # XXXX XXXX, XXXX U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a 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 items 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 furnished any information relating to a consumer to any consumer reporting agency if th person knows or has cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today XX/XX/XXXX, I called Navient to remove my information front credit report but was told that they did not remove the information because XXXX is suppose do that. I then called XXXX and they told me that it was the responsibility of Navient to report it wrong. A little got was a run around from both. My student loan was XXXX in XXXX. I have had other issues with XXXX not removing incorrect information on my credit report. The other credit reporting companies have removed this information. I hope you can help b cause I do not want to have to pay for a lawyer to solve this.
Product: Credit card

I have sent multiple letters to this address " American Express, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  '' regarding my issue and I have gotten the same automated message in writing in return. I've also sent a Claim Notice to the address " American Express XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On multiple occasions I tried calling customer service to connect me with someone of higher position or understanding to their SEC filings regarding the XXXX, Prospectus, and the indenture trust agreement dated XX/XX/2018, and yet have I received remedy. There are unjustified violations that American Express are committing to me as the Beneficiary and investor towards the company from breach of contract, breach of fiduciary duty and Securities Fraud. Behind everything I have said I have reason to believe they are committing organized crime without my known knowledge as well. Yes, I am the Note Holder, and I will attach proof of that as well as my letter and supporting documents. Please fulfill your fiduciary duty and fix this issue immediately or I will be reporting American Express to the Securities Exchange Commision and all other proper authorities and seeking all civil penalties.
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate this account by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX
Product: Credit reporting

I JUST HAD MY CREDIT RAN AND FOUND OUT THAT EQUIFAX HAS DELETED ALL MY POSTIVE TRADE LINES AND PUT BACK FRAUD ACCOUNTS THAT WERE DELETED YEARS AGO I DO N'T KNOW WHAT THEY ARE DOING BUT THEY HAVE RUNINED MY CREDIT AND NOW THEY CA N'T EVEN ANSWER WHY THOSE ACCOUNTS ARE THERE AND WHAT HAPPEN TO ALL MY POSTIVE CREDIT. I SPOKE TO A LADY NAME XXXX NOT SURE IF THAT IS HER REAL NAME. THIS ALL HAPPEN AFTER I MADE A COMPLAINT WITH CFPB ABOUT FRAUD INQUIRYS. ATTACHED ARE SCREENSHOTS ON HOW MY CREDIT LOOKS NOW
Product: Credit card or prepaid card

I have been a victim of identity theft resulting in these following SYNCB/PAYPALXXXXCONN XXXX SYNCB/BANANA REPUBLIC XXXX XXXX XXXX XXXX  XXXX US DEPT OF EDUCATION/XXXX  XXXX XXXX XXXX XXXX XXXX account being on my credit report this incident has ruined my life. I have also informed the company 's of these accounts
Product: Debt collection

I 'm not accepting calls from creditors. I am unemployed. I have no real property and we are seeking a Chapter XXXX bankruptcy. I want these calls to stop on my personal cell phone.
Product: Credit card

I have paid my bills on time and have a good relationship with my creditors. However, my new Amazon Store Credit Card issued by Synchrony Bank lowered my available credit by 20 % in less than 30 days with little or no warning until a letter was mailed explaining the reduction after the fact. A reduction of my available credit has caused an increase in my overall credit utilization. Such constructive activity by the credit issuer adversely affects my credit rating where my credit utilization will remain high based on the extreme low credit limits placed by Synchrony Bank. If Synchrony Bank would have left my initial credit limit, then my credit utilization would not be affected, and my credit score would remain steady, secure and much higher than it is today. I could understand if I was in default or habitually behind in payments, which I was not. Constructive credit practices by lenders that affect credit reporting without recourse or corrective measures should be unlawful or illegal especially when there is nothing wrong with the credit account.
Product: Credit reporting, credit repair services, or other personal consumer reports

CRA is erroneously reporting several items on my credit report file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2007 ; XXXXXXXX XXXX XXXXXXXX Balance : {$700.00} ; XXXX XXXXXXXX Balance : {$440.00}.
Product: Money transfer, virtual currency, or money service

I have a Mercury account ( XXXX XXXX XXXXXXXX ) My company name : XXXX XXXX  XXXX XXXX XXXX XXXX account on XX/XX/2024 and withheld the balance on my account. 

The total amount involved was XXXX {$25000.00}. 

It has been XXXX days now and I have tried to communicate with them via phone and email but they have not responded and I suspect they are holding my funds with malicious intent.
Product: Debt collection

I am writing to dispute the validity of the collection account associated with [ Account Number ] on my credit report. I recently obtained a copy of my credit report and noticed the presence of this account, which I believe has inaccuracies. Upon reviewing the details of the account, I have identified discrepancies in the information provided. I request that you investigate and verify the accuracy of the following points : 1. **Validation of Debt : ** Please provide detailed documentation verifying the legitimacy of the debt, including the original creditor 's name, the original account number, and the complete chain of ownership. 2. **Statute of Limitations : ** Verify and confirm whether the debt falls within the statute of limitations for collections in [ State ]. If the statute of limitations has expired, the debt should no longer be legally collectible. 3. **Reporting Dates : ** Ensure that the reporting dates on my credit report align accurately with the actual timeline of this debt. Any inaccuracies in reporting dates may be grounds for removal. I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) to dispute this information. I kindly request that you provide a written response within 30 days of receiving this letter. If you can not validate the debt or if any inaccuracies are found, I request the immediate removal of this collection account from my credit report. Additionally, please provide written confirmation of the resolution and any actions taken. Thank you for your prompt attention to this matter. I look forward to a timely and positive resolution.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
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 XXXXXXXX XXXX XXXX
Product: Mortgage

It sure would be nice if someone would finally help m for a change. It is obvious that JP Morgan Chase does not give a XXXX about their customers and leaving people homeless. I have written previously and WILL CONTINUE TO REPORT JP Morgan Chase until we receive a satisfactory resolution. 
JP Morgan Chase is the sorriest excuse for a mortgage company. I am writing about the mortgage in the name of my father, XXXX XXXX XXXX, XXXX and I have full authorization to discuss the account. Several years ago we started the process to obtain a loan modification. Of course we were unsuccessful trying it on our own so we hired an attorney to assist us and JP Morgan Chase had requested the same documents from us over and over again which we have sent EVERY document that was requested of us numerous times and in a timely manner. They told us numerous times that they did not receive them and requested them again and again. Evidently they sat somewhere on someone 's desk and did not get processed as they should have. This has been reported before by other mortgage holders with them and JP Morgan Chase has even been fined several times for such. 
Then they basically accused me of lying when I told them that after calling in and making several monthly temporary payments in a row, which we were set up for, one month I called to make the next payment and the person told me that she " could not take the payment because our account was under review for a loan modification '', ( well XXXX, that is why they were temporary payments ) I even gave them the name of the person that told me that and the telephone number that I called so it can be researched since their calls are " recorded for quality assurance and training '' but obviously no one even cares to research any of what I have been reporting over and over again. 
They said that my father whose name the loan is under did not reside at the property so that was a reason why they denied the request. That was not true at the time of the request. 
There is no reason why we could not have been approved for a loan modification to safe our home. We even paid off the second mortgage on the property but that did n't even seem to matter or account for anything. 
The property was scheduled for foreclosure but a representative from JP Morgan Chase told our attorney at the time that the sale was postponed because they were going to review the modification again per the request of our attorney but they still proceeded with the sale anyway. It should have never happened. 
They claim to want to help their customers save their homes but they did not do a single thing to help us save our home and foreclosed on our home leaving me homeless.
Product: Debt collection

I am writing to dispute the accuracy of information that's on my credit report. Accord to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Fair COLLECTIONS & Out Opened XX/XX/year> {$16000.00}
Product: Credit reporting or other personal consumer reports

I spoke with a customer service representative she was unable to provide me supporting documentation that the account belong to me nor was she able to provide detailed information of the original creditor. I informed her this account was not my account and requested it to be removed from my consumer file immediate, its been well over 45 days no response from the collection company or the credit bureaus.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the FCRA to conduct an accurate and through re-investigations of disputed items on my credit report, leaving inaccurate and unverifiable accounts unresolved. The CFPB has filed a lawsuit against the for systemically failing to forward consumer provided evidence to its furnishers, accepting unreliable responses and failing to adequality notify consumers of their disputed outcomes. These failures are aligned with what I am currently going through with Experian and they have neither corrected nor removed the disputed items despite the evidence I provided causing ongoing harm to my credit report as well as emotional distress. I am requesting immediate corrective action to remove or amend the disputed accounts as Experian actions violates federal law and my rights as a hard-working consumer.
Product: Payday loan, title loan, personal loan, or advance loan

I opened this line of credit with XXXX XXXX in XX/XX/XXXX. I had no problems with drawing money from the line of credit or making payments on the line of credit with XXXX XXXX. The problems started when the line of credit transferred to SoFi on XX/XX/XXXX. 

SoFi has incorrectly calculated my XXXX, XXXX, and XX/XX/XXXX payments. In addition, they have incorrectly applied my payments for XXXX and XX/XX/XXXX. Specifically, even though I paid the statement balance in full for those two months, they unilaterally applied a portion of the payment to the principal rather than only applying to the outstanding interest. As a result, after my XX/XX/XXXX and XX/XX/XXXX payments, SoFi said I had a small past due amount. If I had not been paying close attention to my SoFi portal, I would not have noticed this past due amount and would have incurred a past due fee and presumably a negative mark on my credit report. 

I have attempted to resolve this issue with SoFi multiple times. They have been extremely unhelpful and have said they need to investigate and will get back to me. They have always failed to get back to me. 

I am not sure if SoFi simply has buggy software or if they are intentionally misapplying payments to cause people to rack up extra fees. Regardless, this is unacceptable and their lack of customer service is appalling.
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXXXXXX  Incorrect Name : - XXXX XXXX Incorrect Name : XXXX XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX, XXXX, GA, XXXX Employer - XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX - XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!