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

For all three credit bureaus ( XXXX, XXXX, Transunion ), my account balance for a XXXX XXXX XXXXXXXX XXXX closed account has failed to be updated to {$0.00} ( XXXX XXXX XXXX, REPORTED BALANCE {$720.00} ). The balance was paid in full in XX/XX/XXXX and I even received a letter from XXXX XXXX   XXXX XXXX dated XX/XX/XXXX advising that I don't have a balance and that my credit reports will be updated to show my {$0.00} balance. A telephone call with a representative from XXXX XXXX months ago suggested they had already reported my {$0.00} balance back in XX/XX/XXXX, yet my credit report from each credit bureau has yet to be updated. Furthermore, I've disputed the account balance multiple times with no success.
Product: Credit reporting

Dear CFPB, I am having a problem with accessing my credit. I 've applied for XXXX XXXX XXXX XXXX credit cards from XXXX XXXX Bank, XXXX. In XXXX 2015, I was denied and the reasons for their decision was credit bureau information missing or unavailable. I made a complaint to XXXX and they gave a response that was somewhat satisfactory. They explained that a initial fraud alert was placed on XXXX XXXX credit file. I then resubmitted the same application a month later and was denied for the same reason. I spoke with a supervision in the application dept. on XXXX/XXXX/15 at approx. XXXX and it was suggested to me to contact the CRA and get the initial fraud alert removed because they are not able to see items in XXXX XXXX credit file.
Product: Credit reporting or other personal consumer reports

PLEASE BLOCKED AND REMOVED. 
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next XXXX days. Enclosed are the pertinent documents for your thorough review and reference.
Product: Credit reporting or other personal consumer reports

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THAT THERE ARE ACCOUNTS THAT ARE NOT MINE. PLEASE REFER TO THE ATTACHED IDENTITY THEFT REPORT AND DELETE THE ACCOUNTS AS SHOWN BELOW. I HAVE SENT DISPUTE LETTERS ON and filed a police report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Account # : XXXX XXXX XXXX Account Type : Collection Collection Collection Account Type - Detail : Collection Collection Collection Bureau Code : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : - - - Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$4100.00} {$4100.00} {$4100.00} No. of Months ( terms ) : - - - High Credit : {$3500.00} {$3500.00} {$3500.00} Credit Limit : - - - Past Due : - - - Payment Status : Collection/Charge off Collection/Charge off Collection/Charge off Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Placed for collection - Subject has not satisfied debt. 
Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I sent the attached letter to Equifax requesting they verify the name being reported on the account. I received notification that the account was verified and remains on my report. This is impossible as the account does not belong to me and is NOT in my name and never was at any point per XXXX XXXX. I don't understand how Equifax is stating they verified my name as being reported for this account. My rights are being violated per FCRA and request this gets re-looked at and immediately removed.
Product: Credit reporting

My wallet was stolen in XX/XX/2005. My I.D . and social security card were in it. Since then collection bills, installment loans, and credit inquiries are now showing up on my credit report and I have to dispute them directly with the credit bureaus. I have had no success in having these items removed from my report so far. I am requesting that a further investigation into these claims against me be looked into by the consumer financial protection bureau. To protect my rights as a borrower, and to exercise my rights into the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a few disputes for unauthorized inquires on my account. I have submitted all the information requested and I have not heard back with an update. These fraudulent inquiries need to be removed per fcra act. This information is not correct nor does it belong to me. I would like to be contact and have these inquiries removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2019 I consolidated all of my Navient student loans with XXXX servicing. The new loan appears accurately on my report. However, my XXXX Navient loans appear as follows : {$0.00} balance, paid, current and closed. 
I am seeking the removal of all closed and late patents connected to these accounts if possible. 
I reached out to Navient but they said that I had to contact the credit bureaus for further information. I have sent letters to the three major bureaus in XX/XX/2019. That above status remains. 
Im simply needing clarification or the removal of the accounts along with any negative reporting/late payment history that is now current.
Product: Credit reporting or other personal consumer reports

I am writing to express my extreme dissatisfaction and concern regarding the unresolved status of my previous dispute about unauthorized inquiries on my credit report, which I submitted on XX/XX/scrub>XXXX followed XXXX and followed up on XX/XX/year>. This is my final attempt to resolve this matter amicably. I demand an immediate resolution in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
Unauthorized Inquiries in Question XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Section 611 ( 15 U.S.C. 1681i ) requires an immediate investigation of disputed information. It has been more than 30 days since my initial dispute, and I have yet to receive an adequate resolution, which is unacceptable.

Section 609 ( 15 U.S.C. 1681g ) entitles me to access all information in my file, including the results of your investigation. To date, I have not received the required information, which constitutes a violation of my rights. 
Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section, representing a serious infraction.

Immediate Action Required I demand immediate action to resolve this dispute. Specifically, I request the following : 1. Thorough and Immediate Reinvestigation : Conduct a complete and urgent reinvestigation of the unauthorized inquiries.

2. Immediate Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report without delay. 
XXXX. Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes immediately. 
XXXX. Detailed and Documented Notification : Inform me in detail of the steps taken and the results of your investigation within 15 days of receipt of this letter. Include documentation supporting your actions. 
Warning of Legal Action If I do not receive a satisfactory resolution within the specified timeframe, I will escalate this issue to the Consumer Financial Protection Bureau ( CFPB ) and proceed with legal action to protect my rights as a consumer. I will not hesitate to seek compensation for any damages resulting from your failure to adequately resolve this matter. 
I expect your immediate response and resolution to this issue.
Product: Credit reporting or other personal consumer reports

information was removed then placed back on the account. information is results of identity theft and error
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX 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  XX/XX/XXXX
Product: Mortgage

I have made XXXX prior complaints against Chase regarding my mortgage situation. However, since my last filing of complaint it has come to my attention that Chase is moving to foreclose on me, even though I am in an active trial payment plan agreement with them. As I stated in a prior complaint, I contested the way that Chase calculated my payment plan, however, I 've been making payments on the trial payment plan anyway, and they have been accepting my payments and cashing my checks. However, this past weekend I received a solicitation mailer that suggested that there is a foreclosure scheduled on my property for XX/XX/2017 and I confirmed this online with XXXX XXXX County Public Trustee office. I also contacted the executive office of Chase, and the representative confirmed that my Trial Payment Plan is in good standing, and also confirmed the foreclosure scheduled for XX/XX/2017 which the representative acknowledged that they can not do, and he would send a message to XXXX XXXX to return my call. However, multiple messages to speak with XXXX XXXX ( Sr. Legal Specialist ) have been sent and she has never returned my call, stating that she will only speak with an Attorney and even though I am representing myself in all matters, she still wo n't speak with anyone but an attorney. Therefore, I 'm unable to speak with Chase about anything on my loan, and up to this point although the CFPB has forwarded my complaints to them, they to communicate with me, my authorized representatives, and even a member of Congress. Is this what happens when someone does n't agree with Chase, they lose their home?
Product: Bank account or service

To whom this may concern, my name is XXXX XXXX XXXX and i have recently been a victim of funds stolen from my Bank Of America account via several ATM withdrawals as well as thousands of dollars worth of purchases of online merchandise. As soon as i became aware of suspicious activity i immediately notified Bank Of America. i was instructed to file a police report which i did. upon my own investigating i even went as far as identifying the alleged culprits. as far as revealing the culprits as my own daughter and closest friend. as i was told by a bank of america agent, if i were to file a police report with full and utter intent to prosecute, then my funds would be replaced into my account. well i have done everything that i am supposed to do to my understanding and i currently have multiple theft claims with BOA that have all been denied and the reason that BOA continuously gives me is that they have come to the determination that they feel that due to the fact that a small portion of the stolen funds were via ATM withdrawal that a fraudulent claim is highly unlikely. ok. that is understandable but it seems that the bank is choosing to focus solely on the UNAUTHORIZED ATM withdrawals and seemingly ignoring the majority of the theft which are thousands of dollars worth of unauthorized purchases byalleged culprits which i can and will name as XXXX XXXX XXXX as well as my own blood daughter XXXX. i have followed proper protocol pertaining to Bank Of Americas instructions and still after all of my complete and utter compliance Bank Of America has still yet to replace my stolen funds. I am reaching out to you for help. I am completely willing to do whatever i have to do to have my funds reinstated. i have mor than taken the first steps by identifying the criminals and have filed a report with the authorities. please contact me with some sort of information. because all i want is to have someone to hear my case and replace my stolen funds. Bank Of America is of no help. all i want is justice. please someone contact me. i honestly feel as though i am being underestimated because i am sufferer of mental illness. i am reaching out to you for help. I have copies of my police report. against my own daughter and my dearest friend. both of whom mutually conspired to steal funds from my account. i have had approximately XXXX unwillingly stolen from my account and all i am asking is for assistance in having those moneys replaced. i am a victim and am willing to do whatever need be done to have my stolen funds justifiably replaced. please please, i dont know where else to turn. please contact me as soon as possible at phone number XXXX XXXX XXXX email XXXXXXXXXXXX home address XXXX XXXX XXXX XXXX va XXXX please get back to me if for nothing else then for enlightenment. as i said before i will legally comply in anyway necessary so that either justice can be served and or i can obtain closure. i highly anticipate your call. please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several disputes with Equifax, and have never had issues. THey sent me a letter requesting for me to verify my identity ( which was done already when I mailed my disputes ). They are refusing to reinvestigate the bankruptcy on my credit report, which has come off XXXX as the information was incorrect. 

The latest dispute that I made on XX/XX/XXXX, shows they completed it on XX/XX/XXXX but on the dispute it shows they verified it on XX/XX/XXXX. So they did not reinvestigate the dispute and remove it. I have attached all the information as requested by Equifax as well.
Product: Debt collection

On XX/XX/XXXX, XXXX I had to call Innovative Recovery back due to the first 5 request not being fulfill. I was again transferred to XXXX. I mentioned that I received and email stating that Innovative Recovery received my complaints from the CFPB. I also mention that I have not received letter regarding my payment history or letter or deletion. XXXX gave an email : XXXX to received the documents. XXXX stated they may or may not fulfill my request. All I'm asking is for a letter a deletion and my payment history to a debt collecting. Why is that request questionable? I have the right to a receipt or some documentation of payment. 

Please see the original complaint below. Innovative Recovery sent me a bill on behalf of XXXX XXXX for XXXX. When I paid on line I was offered an about of XXXX which was paid on XX/XX/2021. I did not received an receipt via email, text or mail. XX/XX/XXXX I called Innovative Recovery because the my credit still shows Innovative Recovery as open and due for {$16.00}. I spoke with XXXX and transferred to XXXX who both stated my account was close. XX/XX/XXXX I spoke with manager XXXX who rudely stated your account is close, we don't control the credit reports and hung up. I sent a compliant to the XXXX  with a picture of the open delinquent account as proof it is not close. I never heard back form Innovative Recovery. The company continues to violate my FCRA rights. When I try to call back on XX/XX/XXXX XXXX stated ma'am we've already discussed this. I advise it have not been resolved. XXXX stated my account says paid and satisfied. Again I ask why are you all reporting that I owe XXXX if this is a record line as the call stated in the beginning please explain the XXXX. XXXX XXXX. I have attempted to call several time today and have been sent to messaging service.
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX Balance : {$17.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$2500.00} XXXX XXXX XXXX Balance : {$12000.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX {$2500.00} XXXX XXXX Balance : {$790.00} XXXX XXXX XXXX Balance : {$12000.00}
Product: Checking or savings account

Well around XXXX of 2023 I had lost my card and my phone. when I check my email it was saying my account was closing. I couldnt report my card stolen because I didnt have a phone and I was in a living crisis. When I did speak to the bank they said they couldnt do anything about it and said it was fraud in my account.when I try to open a bank account in any local bank I cant. I have checked my XXXX XXXX  and Ive checked my disclosure reports and nothing shows up I want to know why I cant get a bank account and want to make sure this doesnt happen again. I am using an online bank now to get direct deposits and I need a bank acc.
Product: Credit reporting

My XXXX XXXX XXXX account is reported as delinquent and seriously delinquent XXXX, the contract was signed XXXX XXXX 2014 and the first payment of {$85.00} bi-weekly was due XXXX/XXXX/2014. On XXXX XXXX 2014 I made a payment of {$320.00} which equals 2 months of payments. On XXXX/XXXX/2014, 10 days later, I made a payment of {$340.00} which equals another 2 months in advance. Although I provided a copy of my payment history from XXXX XXXX XXXX, Equifax continues to provide potential creditors with erroneous information. In addition, I have been denied credit because of this intentional reporting of wrong information.
Product: Credit reporting

I checked my credit and saw there were XXXX hard inquiries made by XXXX. I have not applied, contacted or requested anything from XXXX and recently my identity was stolen so this must be the case for these inquiries as well. 
On XXXX I did process a dispute with XXXX regarding the hard inquiry, and tried contacting XXXX. XXXX indicated they did not see anything on their end so that is concerning too. 
Attached is a screenshot from my XXXX XXXX credit report showing the XXXX inquiries I did not make.
Product: Credit card or prepaid card

I received a prepaid Card in the Mail on Monday from usbankreliacard. I live in New Jerey and am currently employed and never unemployed. I researched that this card is for unemployment benefits and I have never been unemployed. I have lock my credit file. I have sat on hold for 2 hours one time and 1 1/2 hours the second time to be hung up on. I did not ask for this card and I do not want this card. I was to to reach out to my state unemployment office and sat on hold there numerous times to be hung up on each time I called.
Product: Bank account or service

Since the beginning of XXXX, I have been unsuccessfully trying to have the funds from an IRA CD, maturing in mid-XX/XX/XXXX transferred to the XXXX Now, at the beginning of XXXX the Discover bank is still struggling to accomplish this. Contrary to my explicit oral and written requests Discover has rolled over the CD and then assessed a premature withdrawal penalty when the CD was terminated.at the end of XXXX. ( I submitted the proper XXXX and Discover forms weeks prior to the CD 's date of maturity ) On XXXX XXXX, the following was part of my message to Discover, " I find the length of the whole process excessive and the paperwork tedious, The prospect of having to do it again for my other XXXX CDs is unappealing, So, I now would like to update the request to include the transferring of the funds from CDs XXXX, XXXX, and XXXX to the XXXX ''. 

We are now more than a month past XXXX with only my zeroed out CD accounts to show for this passage of time. Following is the Discover response to my question of why the full amount of the CDs was not redeemed. " Due to the fact that the CDs were closed outside of maturity there were Early Withdrawal Penalties ( EWP ) applied, per the Deposit Account Agreement. '' Is this a fair system, upheld by FDIC, that the bank can ignore a customer 's request, do him damage, and then penalize him? 

Currently, the XXXX has checks for the CDs but no supporting documentation. The XXXX refuses to process the money until a completed XXXX form is provided by Discover. According to the XXXX, any funds they receive in my behalf from Discover will not be cashed or earn any interest. Meanwhile, Discover, sits on the money and presumably makes free use of it. So, at this point, I do not have a CD, an investment in the XXXX, access to my money, or much confidence in the system.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concen regarding zelles handling of disputes, particulary in light of the recent CFPB lawsuit highlighting significant issues with the plateform.Despite using Zelle numerous times and reporting discrepanices, my finincal institution and Zelle failed to investigate my claims adequately. They informed me that covering lost funds was impossible and tracking these transactions were unfeasible. The CFPB 's findings indicate that zelle has not only neglacted to protect consumer but also allowed repeat offenders to exploit the system, leaving users vulerable to scams.
Product: Payday loan, title loan, or personal loan

I sent my payoff check to Lending Club Corporation ( priority mail ) to Lending Club ( XXXX XXXX XXXX XXXX XXXX XXXX. XXXX ) XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, CA XXXX on XX/XX/2021. Lending Club received the check ( {$9900.00} ) on XX/XX/2021 and cashed the check on XX/XX/2021. I included a copy of my payoff with the check and wrote my account number on the check. I have called Lending Club just about every day since XX/XX/2021 to see if they have located the payoff funds. They claimed that they do not have a record of the funds but they cashed the check? They advised me to obtain a copy of the canceled check so I did and emailed the proof that the check was cashed on XX/XX/2021. Lending Club stated that the front and back copy of the canceled check ( that was emailed on XX/XX/2021 ) was not enough and that they needed a XXXX XXXX ID or a bank statement showing the check was cashed. The check was issued from the title company that funded my home loan so I am sure they will not provide me with a bank statement. Not to mention the federal trace ID number is associated with wire transfers. I did not have a wire I mailed a payoff check.
Product: Debt collection

I keep getting calls from the United Collection Bureau, saying that they are calling to collect a debt that they do not specify, which I do not owe anyone a debt, and I keep getting repeated calls. I also get calls from XXXX who says they are collecting a debt from me for a hospital near me, which is impossible because I have never been to that hospital.
Product: Checking or savings account

XX/XX/2023 : I noticed a total of {$4800.00} in fraudulent charges taken from my bank account from Chase. I contacted Chase within a few hours to lock down my account and report the charges as fraudulent. 

XX/XX/2023 : Chase provided a temporary credit towards my account while they investigated the matter. 

XX/XX/2023 : I received the following statement from Chase : We completed our research for the transaction ( s ) you reported on XX/XX/2023. 
Here 's what you should know We found that the transaction ( s ) was processed according to the information you provided or was authorized. 
As a result, we are removing {$4800.00} from your account on or after XX/XX/2023. If the account the claim is related to is no longer open with Chase, and you don't have an open account with Chase for us to debit, we may request you to repay the credit ( s ). 

XX/XX/2023 : I called Chase and spoke with an agent and asked them for verification. I was told that my account was less than 6 months old and therefore my claim was denied. My account has been open with Chase for over 10 years. 

I'm at a loss of what to do.