23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FTC # : XXXX Dear XXXX XXXX XXXX XXXX  XXXX name is XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX : * -- XXXX ), and I am writing to address the ongoing issue of identity theft affecting my credit report. Despite my prior efforts to resolve this matter with XXXX, fraudulent accounts remain on my report, contributing to a significant decline in my XXXX XXXX, now in the XXXX. This has directly resulted in my recent denial for a home loan. I have submitted a new FTC complaint ( FTC # : XXXX ) and am requesting immediate action to remove these fraudulent items. 

In compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681I ), I am exercising my legal right to dispute the erroneous information on my report. The listed companies do not have any legitimate accounts associated with me. These fraudulent accounts have been forwarded to a collection agency without proper validation, which is a violation of the FCRA. 

XXXX Accounts to be Removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX It is your legal obligation to correct these inaccuracies. Case law such as XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX affirms that emotional distress and financial damages are recoverable under the FCRA when inaccurate reporting harms consumers. XXXX failure to resolve this issue makes it liable for actual, statutory, and punitive damages. 

I request the immediate removal of these fraudulent accounts. If action is not taken, I will pursue further legal remedies. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

To whom this may concern, Bank of America ( BOFA ). I have an EDD account with this bank. This is the second time my account has been compromised because I have this account. Thanks BOFA for protecting your members. On XX/XX/XXXX, I send the California EDD an email about a reduction of my payment because on XX/XX/XXXX, I was only able to withdraw {$440.00} from the ATM out of {$450.00} that was there. I was expecting to see {$900.00} like weeks before, so I sent EDD another email on XX/XX/XXXX because they had not responded to my email sent on XX/XX/XXXX. On XX/XX/XXXX, they finally respond to my email and suggest I contact BOFA directly because their system shows {$450.00} paid out to me on XX/XX/XXXX which was late and {$900.00} on XX/XX/XXXX. 
I contacted BOFA on XX/XX/XXXX to find out what happened to my money and they tell me that ATM withdraws were made on XX/XX/XXXX for {$450.00}. I thought weird because the ATM withdraws in only 20 and 100 bill increments, otherwise the week before I would have withdrew {$450.00} also and not {$440.00} when expecting to see {$900.00}. I suspected the EDD was messed up like they have been in the past. In the same conversation I tell them it was not me or anyone in the world I know so they send me to the claims department. Wonderful. The person tells me to fax over a copy of my ID with my claim # XXXX. I do it that same day. Two days later I call BOFA claims and they tell me my claim was denied because either me or someone I allowed withdrew that money. Really BOFA, your accusing me of committing fraud against your bank. How dare you treat your customers like common crooks. What a disgrace to have America in your name and act like a bank for crooks, even your BOFA representative said that is is a common crime and my type of EDD card gets targeted all the time. Let me see your statistics of these crimes at your bank and most importantly, what the freak are you doing about it BOFA! Accuse me, send in the FBI then and sue me first so I can make some money on your bank. BOFA has the proof and video surveillance of this crime. I filed a XXXX XXXX Police report # XXXX XXXX with XXXX # XXXX on XX/XX/XXXX because the BOFA failed to mention this to me when I faxed over my info to the claims department. Now more time has been was wasted.
Product: Checking or savings account

I am suffering from being unnaployed due to covid- 19 and underlying XXXX and conditions. My account was overdrawn for XXXX they charged me a overdraft fee followed by another equalling {$70.00} and threaten to do so again in 5 days. I will have money to cover the original overdraft fee but do to being unemployed and XXXX am unable to pay them extended over draft fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a DUPLICATE Report and this not filed by a 3rd Party or Credit Repair Company.

I just reviewed my credit report and these accounts below that violate my rights In Accordance with the Fair Credit Reporting Act XXXX  these accounts below have violated my rights under 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 1. Account Name : US DEPT ED Account # XXXX XXXX. Account Name : XXXX Account # XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX ) Account # XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX
Product: Vehicle loan or lease

I am filing this complaint for myself, a consumer & natural person without any help of a third party. This complaint is about Santander Consumer USA, the bank that provided my loan for a used XXXX XXXX XXXX vehicle that I purchased from XXXX on XX/XX/XXXX. This loan which was for the total of {$29000.00} ( finance charge ), {$31000.00} ( amount financed ), {$61000.00} ( total of payments ) & finally {$62000.00} ( total sale price : total cost of my purchase on credit plus my {$900.00} cash down payment ) for 72 months, per my original contract, in which I traded in a vehicle ( given {$5000.00} for it ) as well. I want to get straight to the point, I am furious because Ive paid this car off as of XX/XX/XXXX which was my loan maturity date after 76 months, due to 4 payments being deferred over the 6 year period ( XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX, XX/XX/XXXX ). So now per multiple Santander representatives XXXX # XXXX, XXXX # XXXX, & XXXX # XXXX they are stating that I owe a total of {$10000.00} which is an accumulation of late fees, ( my XX/XX/XXXX credit report received from XXXX shows NO LATE PAYMENTS ) and interest fees of the late fees. Now this seemed ridiculous to me so I began to start doing some research on Santander and found immediately on the CFPB website that there were a tremendous amount of complaints of Santander violating consumer rights, providing erroneous car loans to consumers over the years and also even settling with the CFPB to pay in excess of $ XXXX dollars in penalties.
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 and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. this lack of accountability and transparency is unacceptable and raise a serious concerns about consumer safety.
Product: Mortgage

Statebridge LLC has recently sold my loan with errors. My account payments are due on the XXXX of each month, my loan agreement includes a 10 day grace period. Statebridge has practiced that if my loan payment is not paid by the XXXX, I am automatically charged a late fee and the late submission is then added to my credit report. This company was a hassle to deal with ; as not a month did n't go by that Statebridge had something wrong on my invoice. I review my statements diligently due to their illegal practices and poor customer service. 
In XXXX XXXX, I went through all my data and rebuffed all of Statebridge late submissions to the credit union, they were removed due to proof of payment submission. 
On XXXX XXXX a money order was sent on XXXX XXXX and cashed on XXXX XXXX by Statebridge. I received another late fee and late payment on my credit report. 
I have contacted them 2 by email and had left 3 voice messages between XXXX and XXXX. The late information was sent to the new lender and I have not heard back from Statebridge.
Product: Money transfer, virtual currency, or money service

I'm writing to formally express my issues I've had with zelle my concerns regarding XXXX handling of the disputes I've filed. I was told there was absolutely nothing they could do for loss of funds. In light of recent CFPB XXXX highlights significant issues with this exact issue along with other discrepancies. My financial institution along with zelle has neglected to protect me an other consumers an has allowed many to be repeat offenders leaving us vulnerable to repeated scams which raises many concerns for many of us consumer and safety
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed this bankruptcy that is appearing on my credit report at XXXX and Lexis Nexis and they are continually saying its been verified by the US Bankruptcy court in XXXX XXXX yet Nexis Lexis nor XXXX has provided me with any documentation verifying or validating this account. I am not in bankruptcy nor have I ever been. either way, the reporting requirements do not comply with FCRA 611 ( 15U>S>C 1681 and the information must be deleted immediately from both Lexis Nexis and XXXX. I currently have my XXXX dispute filed with XXXX as well as my second dispute filed with your office. CFPB I am asking you to file this report with Lexis Nexis Corporation, and XXXX XXXX on my behalf, please.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report with Transunion Reporting agency and discovered an inquiry from XXXX XXXX that was done on XX/XX/. I have never applied for any credit or services from this Bank / Company. I called them directly and ask what this inquiry was for and was told they do not have any record of me making application to this company. I asked that this inquiry be removed from my Transunion credit history and any other agencies that they use.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX shows two late payments in XXXX. Account was paid in full and closed in XXXX.
Product: Credit reporting or other personal consumer reports

There are numerous hard inquiries that I did not authorize on my TransUnion Credit Report. There are Fraudulent Hard Inquiries which include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove them asap.
Product: Checking or savings account

I used mobile deposit on CashApp on XX/XX/year> and was told in writing that the check would be available today XX/XX/year> and it is not in my account. When I spoke with customer service through chat they then told me it would be tomorrow and when I talked to them on the phone today they said up to XXXX business days. When asked why they lied about the deposit date the representative refused to answer and when I asked for a manager they told me there wasn't one and refused to give any more information. I would just like my money today like I was originally informed it would be.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Disputed Bankruptcy on my credit report and ask XXXX and Equifax to Verify the bankruptcy. They said that it was Verified .They never sent proof of the verification from the court house. I also contacted the courthouse to Verify their release policy and the court informed me that they don't give information to anyone with the debtor 's full social number and they don't provide Any credit bureau Any information of any bankruptcy cases. That's a Violation of the Fair Credit Reporting Act. To report inaccurate or unverifiable information on a credit report. FRCA ( 15 U.S.C 1681 Bankruptcy Case XX/XX/XXXX Docket # XXXXXXXX XXXX XXXXXXXX Bankruptcy XX/XX/XXXX Dismissed.
Product: Credit reporting or other personal consumer reports

This account is past the 7 year mark on my account and should be removed as an old account. I contacted them and they said the account was updated to reflect last updated time frame. This account was opened in XXXX. It's showing a negative effect from XXXX. The account was paid in full
Product: Mortgage

We had a contractor replace our roof & gutters due to hail around XX/XX/18. XXXX XXXX XXXX paid via check but Sun Trust Bank ( who our Mortgage is through ) needed to endorse it. I mailed Sun Trust the check on XX/XX/XXXX and we still dont have it back ( today is XX/XX/XXXX ). They are giving us the run around and we have done and provided everything theyve asked for. The money was due so we had to pay the contractor out of pocket {$8000.00}. Sun Trust needs to give us our endorsed check. They are horrible to work with and Ive called them daily. They wont return calls. Each rep tells me something different. Please help. Thanks.
Product: Debt collection

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 under FCRA and Consumer Law To Whom It May Concern,
Product: Credit reporting, credit repair services, or other personal consumer reports

There are numerous accounts listed on my credit report that I have no knowledge of. I did NOT initiate or authorize these accounts. This was a result of malpractice or an error.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

A couple of months ago i called Wells Fargo my mortgage servicer and i set up bi weekly payments for my mortgage. The usual monthly payment is {$1200.00}. I simply wanted the payment split into two monthly payments of {$600.00} each ... every 2 weeks. My bi monthly payments have been coming out of my bank account every 2 weeks as planned. Well l recently got a call from wells fargo stating that my monthly mortgage is a couple of months past due.This blows my mind as my monthly payment of {$1200.00} has been paid EVERY month. The rep on the phone said that when the bi weekly payments were set up they were set up to go directly to Principal and NOT my normal monthly payment. I NEVER said i wanted the payments to go to principal. I simply wanted to set up 2 monthly payments that equal my Monthly mortgage payment. When i spoke to the collections rep she kept trying to get me to state that i was having a " Hardship ''. Which i am NOT at all having a hardship. I currently work 2 jobs and i have NEVER missed a mortgage payment in my entire life. I told the rep that and she still insisted that i was having a hardship and she wanted to put me into some program. They are the ones who completely screwed up. Wells Fargo has DESTROYED my great credit score. I was NEVER late and i can prove it. Who would be making monthly payments ONLY to  Principal and NOT pay their normal monthly payment???? This is so stressful and frustrating and they have charged me late fees and reported me late on my credit when in fact I AM NOT LATE.
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 information 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 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
Product: Payday loan, title loan, or personal loan

The Best Egg company will not send me monthly statements. I have been paying early ( ahead of the due date ) the last two months in a row to get ahead and hopefully pay less interest. 

I'm concerned about the payment application ( s ) with Best Egg. Last month i paid on XX/XX/23 and of my {$250.00} payment. {$200.00} went to principal and {$41.00} went to interest. Whereas this month ( XXXX ) I paid on XX/XX/23 well ahead of the due date, and {$170.00} went to principal with {$78.00} going to interest. 

I would like for the company to send me a monthly statement via US Mail so i can closely monitor my account. Additionally, i would like for the company to review my account and payments applied and explain why i'm being charged more interest ; Especially if the interest is not yet due for the next corresponding month.
Product: Credit card

For the past several months Chase has interfered with my ability to login to view my account which is necessary to both view and pay bills. 

The first problem is that the login page will tell me that the browser is no longer supported which has resulted in me having to install a new browser. I've had this issue on XXXX, and then XXXX, and then XXXX. 

Now I am on XXXX browser and on that browser they de-authenticate way too frequently. I went to login tonight and it said they don't recognize the device. I can not verify my account either because it only provides XXXX methods of verification, each requires a phone and my phone is XXXX There is no email verification option. 

I might be able to use someone else 's phone within a few days, but the issue there is connected to a complaint I previously filed [ XXXX ] in which they refuse to follow the XXXX  laws and update my account with my correct legal name no matter how many times I try so it's always a major hassle requiring multiple transfers before I can verify my account. 

According to my records I last was able to make a payment on XX/XX/XXXX for {$180.00} which included a late fee from not being able to login to pay in XXXX. Since I wasn't able to login in XXXX I expect there's another late fee. Since I still can not login now, if I can not get logged in within the next few days, I won't be permitted to pay and that will result in a negative on my credit reports which I'd like to avoid. 

I believe that this is intentional. By making it as difficult as possible to login they actively ensure that I pay them fees. Both the issues with logging in and the issues with them not updating the name on my account is likely connected to this motivation on their part.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX North Carolina XXXX XXXX XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear TransUnion Consumer Solutions, I am writing to dispute several inaccuracies on my credit report. The following accounts contain incomplete and inaccurate information that violates the Fair Credit Reporting Act ( FCRA ). Therefore, I am requesting the immediate removal of these accounts from my credit report. 

Below are the details of the disputed items : XXXX. Account Name : XXXX XXXX XXXX  Account Number : Ending in XXXX Dispute Reason : This account is incorrectly reported as being in collection status. The information is incomplete and inaccurate. 
Requested Action : Please remove this account from my credit report immediately. 
XXXX. Account Name : XXXX Account Number : XXXX Dispute Reason : This account is inaccurately reported as being in collection status. The information is incomplete and inaccurate. 
Requested Action : Please remove this account from my credit report immediately. 
XXXX. Account Name : XXXX XXXX XXXX XXXX Account Number : Ending in XXXX Dispute Reason : This account is incorrectly reported as being in closed status. The information is incomplete and inaccurate. 
Requested Action : Please remove this account from my credit report immediately. 

The information reported is in violation of the FCRA, which mandates that credit reporting agencies maintain accurate and complete information. In cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX ), the Supreme Court underscored the importance of accurate reporting. Additionally, in XXXX v. TransUnion LLC ( XXXX XXXX XXXX XXXX, XXXX ), TransUnion was held liable for failing to ensure accurate information on consumer reports
Product: Payday loan, title loan, personal loan, or advance loan

Sometime last year and sometime this year, I have disputed this account multiple times with the company. I have emailed them. I have that on file they havent responded. They responded at first, but then stopped after I said the account was fraudulent. Ive disputed it a few times through the credit bureau report as fraudulent and lock my account, but I have had no success.
Product: Student loan

I call Account control Technology XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX on and XX/XX/XXXX to get a pay off and the transcripts of my loan where the payment was going and interest. because they are taking XXXX an month out of my check and only haft is showing on credit report. i told the lady i was thinking about getting a loan to ay this off and was told i was not allowed to do that recorded phone call by them. Never received the papers call again on XX/XX/XXXX, to see where the papers was was told by XXXX that i only owed XXXX i asked what i owed and and that is what he said i asked him again and he said yes recorded phone call again by them. XX/XX/XXXX i got papers in the the mail to request a hearing i never asked for these again i called asked again for the interest and payments was told by a supervisor i owed over XXXX dollars. i told her what i was told she put me on hold to pull the phone call said she could not pull it. that XXXX  miss spoke. all these phone calls are recorded but they can not seem to get this one. this call can be used in court. i told the that this company works for the federal government when i told them that they said you would use the federal government. thay are not the federal government but that act as thay are.