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

Zelles limited identity verification methods have allowed bad actors to quickly create accounts and target Zelle users. For example, criminals often exploited Zelles design and features to link a victims token to the fraudsters deposit account, which caused payments intended for the consumers account to instead flow to the fraudster account.
Product: Credit card or prepaid card

I was contacted by phone from Credit Control LLC by represented XXXX on XX/XX/2022 he informed me that the company was willing to give me a settlement deal for the credit card I had for XXXX I informed him I did not have the money but I was expecting something but I do not want my card debited until I called to confirm the money was in my account I was informed by XXXX XXXX they will not debit my account unless I called to confirm and it was a recorded line on XX/XX/2022 the money was taken out my account without my permission I called them and they will not refund the money back to my account I spoke to a manager XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute an inquiry listed on my credit report, which I believe is inaccurate and unauthorized.
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you one opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the mental distress, XXXX emotional distress, and financial hardship that your actions have caused me. Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXX website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request. I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. Please send all correspondence related to this matter to the address listed above.
Product: Checking or savings account

Citibank is currently taking advantage of customers by allowing a monthly service fee to trigger and overdraft fee charge. Banks that need to find predatory ways to gouge money from customers like this should be sued and fined for those practices. XXXX XXXX, XXXX XXXX, and XXXX  XXXX XXXX no longer do this because they have been sued over it. Even though we're still dealing with the pandemic they haven't adjusted any of their business practices. My concern doesn't just sit with me its the concern there are those whom can be harmed just like me. The error in my situation was the banks fault and they tried to blame me and write off the lack of integrity a bank would need to have to allow their own charges to trigger other charges. I want others to be safe and understand that Citibank 's style of business is predatory and they shouldn't bank with an institution like this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a dispute with Experian on XX/XX/21 for a Bankruptcy being reported by XXXX XXXX. I uploaded a document from XXXX XXXX dayes XX/XX/21 that states they removed the bankruptcy from my XXXX XXXX report because they could not verify the bankruptcy was mine. Experian closed my dispute today XX/XX/21 stating they verified with XXXX XXXX it was mine. I called them today and they stated I have disputed too many times and that why they closed it. They said if I want it removed I need to contact a lawyer and remove it from my public records. When I told them the court is not reporting the bankruptcy, it is XXXX XXXX, they said it doesnt matter. I ask to speak to supervisors and none are available. Im still waiting for previous requests to be contacted
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I made my mortgage payment on line to Ocwen. I always make my payments at the end of the month before XXXX XXXX. Ocwen assured me that as long as the payment is made within the month it is not considered late. 

My payment was made on line XX/XX/XXXX a little after XXXX XXXX. ( on time ) Upon checking my credit report in XX/XX/XXXX, I noticed that Ocwen reported that I was late on my mortgage payment for XX/XX/XXXX. Ocwen reported that I made the payment on XX/XX/XXXX. I immediately called Ocwen to address the issue in XX/XX/XXXX and the representative looked up the payment information and  admitted that the error was made by Ocwen and that they would correct my credit report to reflect the actual date that I went on line to make my payment. The representative told me that I should check my creidt report after 30 days and I would see the correction. 

Thirty days later I checked my report and the 30 day late was still there. I called Ocwen and inquired about the late payment and told the representative that I spoke to another rep. who assured me that the inaccurate information would be removed. She was very nasty to me and said they can not remove the information because the payment posted on XX/XX/XXXX and there was nothing I could do and that I should have received a letter in the mail. I insisted that I spoke to another Rep who told me something totally different. Then she tells me my payment was made after XXXX XXXX and that why it posted the next day. However, I told her to check my history to see that I make all my payments the last day of the month just before midnight and I always get credit for that same day not the post date. She asked me " What if I check your payment history and we decide to go back and change all your payments to late ''? She was really rude! After we kept going back and forth she told me that the credit bureau would not allow Ocwen to change the late payment. She kept giving me different excuses. 

I am very particular about making my payments on time. As you can see from my attached documentation, I have not been late on my mortgage payments for the past years and I am quite disturbed that Ocwen does not valueme as a loyal customer by putting incorrect and negative information on my credit report.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I received an email from Collection Bureau of America regarding an alleged debt they are trying to collect on behalf of XXXX XXXX and XXXX in the amount of {$1100.00}. On XX/XX/XXXX, I responded to their email, clearly stating that I dispute the alleged debt and requested additional information, including the name and address of the creditor, a copy of the last billing statement, and proof of Collection Bureau of America 's right to collect the debt. On XX/XX/XXXX, Collection Bureau of America responded to my email ( which proves they received my email ) with a document showing my name and amount owed. On XX/XX/XXXX, I obtained my credit report and discovered that Collection Bureau of America had placed a collection on my XXXX and XXXX credit reports without reporting the debt as disputed, as required by the FDCPA. Between XX/XX/XXXX and XX/XX/XXXX, I pulled my credit report 11 times, and each time, the debt was reported without being marked as disputed. On XX/XX/XXXX, I called your company and spoke with a representative named XXXX, again explicitly expressing my dispute of the debt. I have a recording of this call. Despite my clear disputes, Collection Bureau of America continued to falsely report the debt on my credit reports. I have documentation of all communications between Collection Bureau of America and myself, which unequivocally prove that I disputed the debt. I also have all my credit reports showing this collection being reported on my consumer report without reporting it was disputed. Collection Bureau of America 's repeated failure to report the debt as disputed constitutes a willful violation of the FDCPA, specifically section 1692e ( 8 ). They also violated XXXX  XXXX and Professions Code17200, XXXX XXXX  and Professions Code 17500 BPC and California XXXX XXXX XXXX. On XX/XX/XXXX, and again on XX/XX/XXXX, Collection Bureau of America, received letters from my legal counsel putting them on notice of these violations and demanding compensation. Unfortunately, the company failed to respond to both letters, demonstrating a willful disregard for the law and a refusal to resolve this matter amicably. I am willing to provide one final opportunity for Collection Bureau of America to respond to this complaint and take corrective action. I expect a response within 10 days from the date of this complaint was submitted. If I do not receive a satisfactory response, I will be forced to take further legal action and file a lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following account is not mine : XXXX XXXX ( capital one ) opened XX/XX/XXXX, and XXXX BANK XXXX opened XX/XX/XXXX. I have never applied nor used these accounts. these accounts are unauthorized and not approved by me
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX -- requested information/documentation of Western Union transactions that I sent to ONE person. 

XX/XX/XXXX -- called to see why it has n't arrived. They told me that after all this time, it will take 21 additional days to process this simple request. I told them this is for an id theft/fraud prosecution and they STILL told me it would take 21 days to even e-mail me the requested information. 

I now must attempt to plead with the investigator of my case to subpoena this infomation from them before the id thief leaves town. I am a 2 time XXXX XXXX veteran and I got no cooperation!
Product: Credit reporting

I submitted a request to update my current information and have ALL other inaccurate personal information to be removed to Equifax , like inaccurate phone numbers, variations of my name and addresses that are incorrect. They are refusing to do this.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 for any inquiry you have on file. 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. 
Experian has not complied with any of my request I ask that my inquries that I list be verified with my signature or be deleted. 

XXXX Date of request XX/XX/XXXX XXXX XXXX XXXX  Date of request XX/XX/XXXX XXXX XXXX XXXX Date of request XX/XX/XXXX XXXX XXXX XXXX Date of request XX/XX/XXXX XXXX XXXX Date of request XX/XX/XXXX XXXX/XXXX XXXX XXXX Date of request XX/XX/XXXX XXXX XXXX XXXX Date of request XX/XX/XXXX XXXX XXXX Date of request XX/XX/XXXX XXXX Date of request XX/XX/XXXX XXXX  Date of request XX/XX/XXXX XXXX XXXX XXXX Date of request XX/XX/XXXX XXXX XXXX Date of request XX/XX/XXXX Account name XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Account name XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

We are not able to obtain a mortgage payoff statement. 
My wife and I wish to pay off the adjustable rate mortgage on our house at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX The mortgage is serviced by PHH Mortgage, XXXX, XXXX, NJ XXXX. 
I telephoned PHH on XXXX XXXX, 2016 to request a payoff statement. I spoke with XXXX XXXX XXXX, XXXX XXXX XXXX ext XXXX. He stated that the payoff statement would be mailed to me on Monday, XXXX XXXX, 2016. I telephoned XXXX XXXX again on XXXX XXXX, 2016, because the statement had not arrived. This time I chose to have a payoff statement faxed to me at a XXXX office where we do business. The fax did not arrive ; therefore, I telephoned XXXX XXXX the morning of XXXX XXXX, 2016, and he assured me that a payoff statement would be faxed to me and would arrive by XXXX, my time. The fax had not arrived by XXXX, and I was unable to reach XXXX XXXX by telephone. 
I note that PHH continues to accrue interest on our mortgage while they delay the loan payoff process.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 hard inquiry and decline for credit TD Bank XX/XX/2022 hard inquiry and decline for credit TD Bank XX/XX/2022 hard inquiry and decline for credit XXXX  XXXX  XX/XX/2022 called TD Retail Card Services to remove these inquiries as fraud. 

XX/XX/2022 called XXXX XXXX to remove inquiry as fraud XX/XX/2022 set up a 1 year security alert with XXXX. 

XX/XX/2022 reported these inquiries to XXXX as fraud.
Product: Credit card or prepaid card

Comenity does not provide automatic payments for its XXXX credit card. Providing a means for automatic payment is the norm for online payment systems, and users assume the feature is available from all companies. As such, to not provide such a service is a tactic to collect fees for late payment since users are particularly susceptible given the deviation from common trade practices.
Product: Credit reporting or other personal consumer reports

According to my understanding of FCRA 605B, any incorrect accounts must be removed from my credit report. Could you please verify the documents? Several accounts are inaccurately reported with incorrect amounts and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached and FTC report with 2 account and inquiries I did not authorize
Product: Prepaid card

Rushcard perform a system upgrade on the morning of XX/XX/2015 and ever since then I have not been able to access my funds. I have gotten the same answer for the past 9 days and they have all been inaccurate. I have called at least 3-4 times a day since XX/XX/2015 and I never got my issue resolved. I have bills to pay and ca n't because they can not or will not figure out what has happened to the funds I loaded previously not can they tell me when the funds I have directly deposited from my employer will be available
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX Date XX/XX/year> To whom It May Concern, On XX/XX/year> I looked at my report. I sent a letter to Experian, XXXX, XXXX on XX/XX/year> asking them to re-investigate these accounts : XXXX, and here is my tracking number : XXXX The day they sent me their research and said these accounts are complete and accurate. 
I looked at my report and noticed that everything is still the same. 
and in accordance with 15 USC 1681i 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any further investigation pursuant to paragraph ( 1 ) of any information disputed by a consumer, an item of information is determined to be inaccurate or incomplete or unverifiable, the consumer reporting agency shall : ( i ) immediately delete that item of information from the consumer 's file, or modify that information, as appropriate, based on the results of the new investigation; and ( il ) immediately notify the provider of that information that the information has been modified or deleted from the consumer 's file.

and according to 15 USC 1681eb they are supposed to ensure this b ) Accuracy of the report Whenever a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the greatest possible accuracy of information relating to the person to whom the report relates.

And according to 15 USC 1681s-2 this is supposed to happen ( A ) Report information with actual knowledge of the errors A person shall not provide any information relating to a consumer to any consumer reporting agency if he or she knows or has reasonable grounds to believe that the information is inaccurate.

( B ) Report information after error notification and confirmation A person shall not provide information relating to a consumer to any consumer reporting agency if : ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, inaccurate.

Experian didn't really investigate again, they lied in an official document saying they did something they didn't do and I have evidence to prove my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I sent out a notarized packet disputing fraudulent information on my credit report including the police report number used when the report of stolen identity occurred. I sent this packet out to all 3 credit bureaus. XXXX  in compliance removed the fraudulent accounts however Equifax did not. They also sent no proof that these accounts belong to me. I did not receive any documents with an original signature or I.P address in which any application for credit were processed.
Product: Mortgage

I applied for a refi in XXXX XXXX. Freedom Mortgage has been completely unorganized. They continually are switching my account to different employees ... Losing my documents.. Requesting and re-requesting documents. They have lost information. It has now come down to where they wo n't honor my locked in interest rate and want to charge me additional fees. Freedom has caused the delay, with hiring and firing and losing documents. 
No one is on the same page. It has been 6 months. One person will tell me that the Quick Claim Deed does not prove that I am not financially responsible for another home in my name.. While another will tell me different. I am completely frustrated and feel like they are pushing me around because the rate has changed and want to charge me more fees. I have all emails since XXXX XXXX and all documents that I have provided up til now XXXX XXXX. Is there something that can be done? If I drop the refi.. They will bill me for appraisal and I will lose out on rate???
Product: Credit reporting, credit repair services, or other personal consumer reports

After my vehicle 's total loss on XX/XX/2019, I was shopping around for another vehicle. I visited XXXX  XXXX of XXXX on XX/XX/2019 and gave authorization to run my SS # to see if they could beat the APR that my credit union was offering me. They could not, however, and I then pursued financing through my credit union. Nevertheless, I purchased a vehicle from XXXX  XXXX on the same day. A couple of weeks later, I received three credit denial letters, all of which were from banks that XXXX  XXXX had apparently submitted a credit application to. As a result, I ended up having a total of three credit report inquiries from XXXX  XXXX, as one of the denial letters stated that I had no credit file. I did not authorize the dealership to submit my SS # more than once or to more than one bank, and I had no idea that they had done so until I'd received these letters! Upon checking my credit reports afterwards, I discovered that three hard inquiries indeed were made from XXXX  XXXX on XX/XX/2019. I am extremely upset about this, to say the least, as my credit score has been severely impacted as a result.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed unverified information on my Equifax credit report more than once. Equifax claims they can not find my credit file after sending the necessary documents they have asked for. The first dispute was sent to Equifax on XX/XX/2019 asking them to verify the accounts in the amounts of {$5400.00}, {$460.00}, {$470.00}, {$450.00}, {$400.00}, {$960.00}, {$860.00}, {$2000.00}, {$1400.00}, {$1000.00}, and {$200.00}. The second dispute was sent to Equifax on XX/XX/2019 with the same accounts, and amounts. After Equifax received my disputes they still claim that they can not find my credit file after I sent them the necessary documentation again notarized. They have failed to verify these accounts in the proper manner which they have to according to the Federal Law. They have failed to send the contracts with my signatures, or any audio/ video that proves this information is accurate.
Product: Credit reporting or other personal consumer reports

The credit card company is XXXX and their website is XXXX XXXX XXXX The problem is they disengaged the automatic pay feature on my account without notifying me that it was disengaged. When my payment was past due the lowered my available credit which caused my credit score to drop XXXX points. 

I called the company to advise them they disengaged my automatic pay. This conversation took place on or around XX/XX/2024 I would like to have have the company reinstate my previous credit line to restore my credit to the same score it was prior to them lowering my credit limit.
Product: Bank account or service

I opened a checking account at Chase Bank in XXXX, NY with a coupon guaranteeing a {$200.00} rebate with direct deposit. I told the clerk I was a secondary name on another chase account to ask if I still qualified. She went to a manager to check and came back with an affirmative. I complied with the direct deposit stipulation but hadnt received the rebate months later. When I asked at the branch they said I didnt qualify. I wouldnt have opened the account if the bank representative said I didnt qualify at that time. Obvious misrepresentation to get me to open an account.