23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Early XXXX I had an unexplained large drop in credit score. Credit reporting did not offer explanation. The only change I had with my financials was using a Synchrony Bank card ( care credit ). The large drop in credit was not justified by the small usage on the already established card. I contacted the company directly and explained the issue. They never followed up with a response or solution, but a few days later I saw where my credit score had an increase. I was grateful they fixed their issue, but then a few days later I saw where another one of my cards with Synchrony Bank ( TJmaxx rewards card ) had been closed. I didnt authorize the closure, I use the card, theres no required usage amount in the agreement so I reached out to them. They were very rude and told me it had been closed due to inactivity. I explained I use the card and that it was odd that it just so happened to be closed after I had to dispute a credit report factor with the company days prior & requested information be sent to me. They offered no help & never sent the info I requested. I contacted the company again this time requesting a supervisor. The supervisor was just as unhelpful and told me it had been closed due to inactivity or so the note for closure said. I explained their wasnt anything in the agreement that stated it had to be used so often nor did I receive a notice about it. After a long hold she said they can close my account for any reason any time. I explained to her that I believed the reason my account had been closed was due to the fact I had to dispute a credit report factor with them days prior to the closure & it was done as a way to bully & spite me. I honestly do not care about the account being closed and me being unable to use the card because the max limit was very low anyways, but what I do care is how it negatively affected my credit score by XXXX points! Thats a large drop! I used my card every so often just to keep the account active to avoid the credit drop. I feel theres been some very serious bullying and discrimination coming from Synchrony Bank and their employees. I will not be satisfied until justice is served and my credit report is back to how it was before the account was closed and dropping it XXXX. I have given the company every opportunity to make this right & my next step if unresolved will be legal action. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

We purchased some beds from XXXX XXXX. While we were there the company stated that they were not going to go through one finance company but another one. So after a few months we got that one paid off. Then another company ( Acima ) tried taking money out our bank account. We were not sure who they were so we  filed fraud. We called Acima and they told us to call XXXX XXXX. We called XXXX and they said we see you with the other company ( snap finance, the one we paid off ) so we reported fraud. We tried to talk to Acima several times but all that was said was to contact XXXX. We finally called XXXX again and got someone else ( the back and forth had been going on for months ) the new guy said no you got beds through XXXX and mattresses through other company. We immediately called Acima explained everything and got up to date and have been up to date since. The owner of XXXX tried to call Acima to straighten everything out as well and they would not talk to him as he is not on the lease. A supervisor stated they would take off the 60 day late off of XXXX because of the HUGE mishap as it was not our fault. She said to dispute on XXXX so it could be updated and fixed. We disputed on XXXX. It showed we were up to date but the 60 days has not been taken off. We have been back and forth with Acima and a gentleman there named XXXX stated someone named XXXX who is in charge of the credit department would call us the next day so we could get XXXX fixed or get sent a letter of deletion which still has not happened. We have been calling and back and forth with Acima all week and have not gotten anywhere. They told us they would remove the 60 day late fee on XXXX as it was not our fault. We need a letter of deletion to be able to do it ourselves and everything I have stated IS IN THEIR NOTES.
Product: Credit reporting or other personal consumer reports

After reviewing my consumer file I noticed a reporting from Barclays that was not correct, I reached out to them and sent them proof that I was in prison at that time and did not engage in that debt or authorized the debt. There were a lawsuit filed against me for the debt which was deleted after providing the proof of incarceration. Barclays sold the alledge debt to another company and both companies still reports to my consumer file. I contacted them and told them this is misleading, illegal and false and I want it deleted, as per usc 1692e this is a clear violation. They responded with a letter saying they believe I gave someone permission to use my credit.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain personal information that is inaccurately reported in my credit report. I have recently obtained a copy of my credit report from your agency and have identified discrepancies that require immediate attention. The inaccurate information is negatively affecting my credit profile and financial well-being. 

I would like to bring to your attention the following inaccuracies : Incorrect Address : The current address listed on my credit report is XXXX XXXX XXXX, XXXX, MI, XXXX. However, my correct address is XXXX XXXX XXXX, XXXX, MI, XXXX. I request that you update my address information accordingly. 

1. Ailias Name : My Alias is misspelled as XXXX, XXXX, XXXX on my credit report. The correct spelling of my name is XXXX XXXX. Please remove the alias name to accurately reflect my personal information. 

I understand the importance of accurate personal information in credit reports, as it directly impacts my ability to secure loans, housing, and other financial opportunities. Therefore, I kindly request that you investigate and rectify these inaccuracies as soon as possible. 

Enclosed with this letter, please find copies of documents that support the correct information : A copy of my driver 's license displaying my correct name and address. 
A recent utility bill displaying my correct address.
Product: Credit card

I am on a credit card with Wells Farcgo as an authorized user that I did not sign up for. This is effecting my credit in a negative manor. I have spent over 4 hours on the phone with Wells Fargo trying to fix this. Most of my time spend during this wasted time was verifying who I was and getting transferred and hung up on. They even sent me into a bank branch because they were sure that would resolve my issue. I drove all the way to bank only to be told that they do not deal with credit cards. On XX/XX/XXXX I called XXXX and spoke with XXXX employee # XXXX ref # for call - XXXX - He was supposed to send me proof that I should be on this account and teh proof was never received. Finally, after wasting over 6 hours of my time, I have decoded to file a report.
Product: Debt collection

Someone from my past, 20 years ago, used my old address and name and made purchases through a sales book and it has come back to me. I havent lived in va for 14 yrs. 
I never received anything from this company. 
They should never send out mail with pre-approved credit for someone to take advantage of. Now i, m paying for it with being called twice a day and my credit ruined.
Product: Checking or savings account

I have called multiple times to close my accounts with TD Bank after having withdrew all funds. They have not closed the accounts and due to the low balance, I am getting maintenance fee charges for the low balance each month. The last time I talked to them, they said they would remove the fees and close the account. I asked them to email me confirming the closure. They didnt email or close the accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights.

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
Product: Mortgage

We have been in our home for 2.5 years and have done a lot of work on it. We have a conventional, fixed rate mortgage to which we initially put down 10 % at closing. We have contacted our mortgage provider in order to obtain a reappraisal because we believe the value of the home has increased and that our loan to value should give us at least 20 % equity in the home. The mortgager ( to whom our mortgage was sold by our original mortgage company ) stated that because we have not been in the home for at least 5 years that our loan to value must exceed 25 % equity. Is this consistent with Homeowners Protection Act?
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to check my credit report prior to loan for daughters school and realized I have damages on my credit report. According to 15 USC 1681 Law there should not be any damages on my report as it is a defamation to my character. XXXX, XXXX AND XXXX HAVE AIDED IN THIS FRAUD BY NOT VERIFYING THESE ACCOUNTS pursuant to 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that result from an alleged identity theft. You are in VIOLATION of this law because I am a victim of identity theft!! I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. PLEASE DELETE ALL FRAUDULENT ACCOUNTS IMMEDIATELY
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  all hard inquiries by XXXX XXXX has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> 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 according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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, credit repair services, or other personal consumer reports

I have contacted the third-party XXXX XXXX. Regarding Experian confirmation on my dispute of the accuracies of bankruptcy XXXX, Experian is reporting on my credit file as Accurate Remain. XXXX XXXX could not and did not confirm all the information that Experian claimed to be apart of bankruptcy XXXX.
Product: Credit reporting 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. 

Account Name : XXXX XXXX XXXX  : Account XXXX XXXXXXXX : Balance : {$760.00} Account Name : Unknown : Account XXXX XXXXXXXX Balance : {$760.00} And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XX/XX/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 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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I paid of my loan in full on XX/XX/2021 to Wells Fargo, they are still holding on to my escrow and overpayment of XXXX dollars. The automated system said the payment was sent on the XX/XX/2021, the bank said I should have it no later than XX/XX/2021. Its now the XX/XX/2021, they now are talking about business days, this is not the 20th century. No such thing as business days, mail moves 24/7. They are holding my money to squeeze interest out of it!! This needs to be stop, Wells Fargo does this all the time. Thats why I dont wish to do business with them ever again!! But they will not let me or my money go!!!!
Product: Checking or savings account

My Citibank account suddenly became blocked without notice around XXXX. I called customer service to ask for the reason for the block, and they said they cant provide any information. I followed up 4 times throughout the week of XXXX, and again on XX/XX/XXXX, and even visited the branch on XX/XX/XXXX. 

Every single time, the response was the same : that they will expedite the concern to resolve in XXXX hours, and that they dont have information on why my account is blocked. Ive been hearing the same repertoire since last Tuesday. 

I have returned payment fees from my credit cards now because I couldnt use my own money to pay them off, because Citibank is not releasing my funds. I asked to close the account in branch and have my money back, but they said they cant until account is unblocked from reasons whatever they wont give me. 

All my cash is stuck. I have bills and contractors to pay. And Im waiting for XXXX weeks for them to give me a reason so that we can have the account unblocked. 

I need CFPB to help get them to address this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I were lied to yesterday XX/XX/XXXX by XXXX  at XXXX XXXX XXXX eastern time and are an very unfair process and according to the games they play my outstanding 19 years of missing benefits hidden by them will never entered into the needed accounts XXXX, XXXX, XXXX and XXXX because they for the longest make the decision themselves without my authorization to block my accounts which blocks any benefits from elsewhere a chance to enter the accounts and effect my credit score and they are embarrassing me by repeated over and over you have XXXX cents in your account XXXX they I finally got them to unblock. I ask to send code finally they did and ask to speak to supervisor XXXX refused to open all my accounts and indicated the other four are closed. I told her no they are not closed because i can enter my account ending XXXX and tells me the other four accounts are at XXXX dollars and that based on that response they are not closed but she denied me. I filed several complaints against XXXX  that she lied and i wish to have all my accounts open and later i spoke to XXXX whom documented my complaint very helpful about missing funds and agreed with me that the account is not closed. They are also effecting my credit score by holding back my benefits and forced my bank account first state bank XXXX into the negative and also harms my credit.
Product: Debt collection

keeps calling my job and harassing me at work on a debt that is over 15 years old
Product: Credit reporting or other personal consumer reports

I have noticed unfair and inaccurate reporting on my consumer credit report, along with multiple inquiries that need to be removed as for I have never received any goods, products, services nor credit from any of those companies. This falls under violation of Federal Law and shall be removed immediately for my safety and as a federally protected consumer. And any address that is not my current mailing address, is consider non-mailable and needs to be remove. It is causing me injury and damage! 
XXXX XXXX Report dated XX/XX/2024 states XXXX XXXX XXXX as the account name which is inaccurate and incorrect as well as the account number listed. 
XXXX XXXX Report dated XX/XX/2024 states : XXXX XXXX  XXXX as the account name which is inaccurate and incorrect as well as the account number listed. 
Experian Consume Report dated XX/XX/2024 states : XXXX XXXX XXXX  as the account name which is inaccurate and incorrect as well as the account number listed.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reveiwing my credit report I seen multiple inaccurate late payments that was never late.
Product: Checking or savings account

My account was made fraudulent charges on. I disputed these transactions and was now banned from the bank. I should not be penalized for something that I was a victim of. I have no criminal record. I am a XXXX XXXX and a XXXX XXXX On top of that I made the mistake of depositing a check On XX/XX/XXXX I visited a branch to deposit a check in the amount of {$3200.00} I was unemployed and started working for a company online which was a scam. I was told I would received direct deposit. During my first check after working for the company I was asked to use my check to order merchandise I would need to use to do XXXX XXXX XXXX XXXX I deposited the check and that is when everything came to reality. The suppose manager was very press about me using the funds and at this point I comfronted him and submitted a formal fraudulent complaint. I have emails that proof and the biggest proof is that I didnt access the funds. I am now behind on my mortgage. I have no way of accessing my funds. This is not fair.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish. an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
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 recent CFPB lawsuits 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 lost funds was and impossible and tracking these transactions was unfeasible. the CFPB 's findings indicate that Zelle has not only neglected to protect its consumers, but allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Transunion credit bureaus must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. This account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I noticed an inquiry. I want to clarify that I did not authorize this inquiry, nor did I provide any consent for my personal information to be accessed by this entity. 
According to the Fair Credit Reporting Act ( FCRA ) i have a right to dispute any inaccuracies in my credit reports, including unauthorized inquiries. 
I kindly ask that you investigate this matter and take appropriate action to remove the unauthorized inquiry from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Monday, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FLorida XXXX SSN : XXXX | XXXX : XX/XX/1994 To : XXXX XXXX Equifax Information Services LLC XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you 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 if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also, please remove all non-account holding inquiries over 30 days did and add a Promotional Suppression to my credit file. 
Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following accounts and information. Block and remove it. Please also send me a copy of my updated report with the updated result of your investigation. These inquiries should also be removed.