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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, XXXXAccount name : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Checking or savings account

Someone hacked my Robinhood account to use it commit fraud and there is still no agency that investigated and prosecutes fraud done by decentralized leaderless fraud groups composed of U.S. citizens of the young white female nature.
Product: Money transfer, virtual currency, or money service

account XXXX XXXX Description of complaint : First and foremost : cash app support agents use the following script when they want to evade from helping you because they are not in compliance with federal guidelines and cant incriminate themselves by answering the question ( terrible business practice ). If my issue is not resolved immediately I am going to have my neighbor open class action for this which is specialty. I switched my business account into a personal account the day after it was modified from personal to business.. I selected the option to switch to personal account that same day and went through the notions. This showed me that my account was once again personal as it was only used to make personal transactions. I have received tax papers reflecting that they had this still in the business name and not my personal name. I called in to get this amended for tax liability and by law they must so I can file the correct taxes for these payments. IN ADDITION I GOT CHARGES 2.75 % on XXXX in transactions give or take.These would not be applied if they honored the request and had switched it as described in the app and confirmed. This needs to be fixed amended return must be given personal and the fees for XXXX must be returned to me.
Product: Checking or savings account

I have the absolute.legal right under Federal Law to file a complaint against Valley National Bank without it taking the vindictive action of closing my accounts as per the letter of First Vice President XXXX XXXX dated XXXX XXXX closing my accounts on XXXX XXXX! This is obstruction of justice which is a felony!
Product: Checking or savings account

On XX/XX/year> I deposited {$2000.00} all in XXXX dollar bills at my local Bank of America atm machine It took the cash in but gave me an error message and didnt give me the cash back, nor did it credit my account. I need this for my rent so this is freaking me out
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 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 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 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: 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 raises serious concerns about consumer safety. On Friday XX/XX/XXXXXXXX XXXX XXXX XXXX  me and my friend tried to reach out to our banks saying that whoever had her current phone number was accepting money from me that whole time Ive been sending her money we found out her name and everything and they still refused to give me my money back and said their was nothing they could do.
Product: Credit card or prepaid card

I have several accounts serviced by Synchrony Bank. Some of these I have had since the 1980s. They were all closed with no warning, call or email.They had been on time and were on auto pay. It has caused a considerable amount of mental anguish, embarrassment and humiliation. You cant speak to a human so any contact is usually just a bunch mumbo jumbo XXXX. I have never been so shocked in my life when I needed to uses a CareCredt card at the hospital and the account was closed. Payments had been on time and I had plenty available credit. Some accounts had a XXXX balance were even closed. What can be done to punish or reprimand this agregious bank? Looking at their social media shows everyone is unhappy with the way they treat customers.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent accounts from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any erroneous accounts. Once again HERE ARE THE LIST OF accounts THAT I WANTED TO REMOVE! 


XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

For over two years now I have had an issue with Equifax. I am unable to create an account and in turn can not access my credit report to review and dispute. When signing up Equifax ask 's identity verification questions all of which are invalid and do not apply to me. I have called multiple times and have gotten no where. Equifax has no solution and it seems they don't fully comprehend the situation. Upon looking into this issue further online, I found forums with people all over that are having the same exact problem. Identity verification questions that do not relate to me or anything on my credit report. They are allowing this to continue which is unacceptable. They are effectively preventing people from knowing or disputing anything on the report because we can't access it. They haven't made any effort to fix this issue which is denying everyone 's rights to their credit report. If they don't resolve this issue I will be looking to start a class action lawsuit seeing as how this involves people from all over.
Product: Credit reporting or other personal consumer reports

I have two inquiries from XXXX XXXX XXXX  on my credit report which I did not authorize, and I reached out to XXXX  XXXX which sent documentation to TransUnion that the inquiries should be removed. TransUnion has refused to remove these inquires after I have submitted documentation validating my claim.
Product: Mortgage

I issued a complaint against XXXX XXXX about the title transfer of my mortgage and not being informed of a foreclosure. XXXX has contacted me and stated they can remove the foreclosure from my records with proof of improper title transfer and supporting court cases. These have been sent to XXXX. My loan was sold from XXXX to Caliber Home Loans when they never legally had the title to actually transfer. This is to inform Caliber Home Loans of the incorrect foreclosure they have on record on my name. 
Here is what was relayed to XXXX Bank as to the issue : The title of my loan was not transferred from XXXX XXXX to XXXX until XXXX XXXX, XXXX, which is attached to this fax from XXXX County Clerk. I also have all other amendments that were filed with the court, NOT INCLUDING foreclosure proceedings. This is when foreclosure proceedings supposedly began against me but I was never given written notice of this. 
According to multiple court cases, the title transfer was incorrectly done and should not have been transferred in XXXX when foreclosure proceedings began without my knowledge. XXXX XXXX did not have proper rights to the title of my loan. It was not assigned to XXXX XXXX according to the trust agreement. This gives plausible inference that the assignment was improper. I am not looking to get my home back or for any financial reimbursement. I just want to get the foreclosure removed from my name. 
After much research, there are a tremendous amount of court cases that state this exact thing happened to them and were rewarded for their damages. You could also refer to a website called XXXX, which directly addresses issues with XXXX XXXX and XXXX deceiving homeowners during the time I was foreclosed upon. 
Four years after pledging to clean up wide-ranging foreclosure abuses, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX other banks still are n't complying with consent orders imposed by a federal regulator, reported the XXXX XXXX XXXX ( XXXX XXXX, XXXX ). As a result, the Office of the Comptroller of the Currency has restricted mortgage servicing operations at XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX. 
Banking regulators obtained the consent orders in XXXX in response to scandals involving the robo-signing of foreclosure documents by token officials without knowledge of the facts, lost paperwork, illegal fees, and other legal shortcuts that became common after the mortgage meltdown.
Product: Debt collection

I TRIED TO SETTLE A DEBT WITH XXXX XXXX BECAUSE THEY PUT NEGATIVE INFORMATION ON MY CREDIT REPORT AND I WAS NEVER NOTIFIED ABOUT THE DEBT IN THE 1ST PLACE. I AM XXXX MILITARY AND THIS IS AFFECTING MY LIFE. THE REP TOLD ME IF I SETTLED THEY WOULD NOT REMOVE THE INFORMATION
Product: Credit card or prepaid card

today on XX/XX/20 i tried contacting reliacard by US bank and spoke with XXXX he gave me a number of XXXX and that was to the us treasury dept, now this is a bank account not dept of treasury and want to close this account out all together because i thought it was a credit card and its not, nor do i need any unemployment i work for a living and i want this account closed and trying to get a hold of anyone of for customer service for reliacard is horrible it will just disconnect you if no one is available and you have to call back and put all that information again and restart waiting all over again and they refuse to the shut down this account
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, Experian has inaccurate reporting on my credit reports, I wrote all three bureaus and they are still reporting inaccurate information. I have reached out to the companies also that I notice that are inaccurate still no change. I notice hard inquiries, I also notice old accounts and old collections that I have Know Knowledge of please help me resolve this issue.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed i had fraudlent acconts on my report. Please remove these accounts from my report theyare hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

Despite submitting FTC report # XXXX & XXXX, these inquiries remain unresolved. This is my new complaint that I am a victim of inaccurate credit report data and I submit to dispute these inquiries in my file resulting from the crime. The inquiries I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of these inquiries in my credit file that resulted from an inaccurate credit report data. I am also attaching my new FTC report # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries are unknown to me. Also, the information you provided on these inquiries was DELETED from other bureaus and I have doubts about their accuracy and the reported history date on these inquiries are a mystery to me. XXXX Fair Credit Reporting Act Section 605B ( a ) you are requiring to remove any items which was opened without my knowledge, consent or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Product: Debt collection

On XX/XX/XXXX I received a debt collection notice from Convergent Outsourcing , Inc on behalf of XXXX XXXX XXXX for {$150.00}. I've spent multiple hours attempting to reach someone at XXXX or Convergent Outsourcing, Inc who can help resolve this incorrect debt collection request and am very disappointed in the inability to reach a customer service agent that understands the issue and is able to help resolve this issue. The debt collection notice is related to the following charge : In XX/XX/2021 I traded in my XXXX XXXX for a XXXX XXXX. I mailed my XXXX in to receive a trade in credit and on XX/XX/2021 I was informed I would be charged {$150.00} due to a cracked screen on my trade in device. I reached out to a customer care agent in order to request this be reviewed as my screen was not cracked when I mailed in the phone and on XX/XX/2021 I received the two attached emails stating the trade in charge for a cracked screen was refunded and ... there won't be any charges made by XXXX further ''.
Product: Credit card or prepaid card

Having met the promotional offer requirements, I am eligible for 30,000 Delta skymiles. American Express is contending that I am not eligible because I had a similar card in the past. Although I applied for the card under the promotional offer, Amex did not inform me at the time of approval that I would not be eligible for the promotional offer. Only after inquiry, Amex is now telling me that I had a similar card in the past.
Product: Mortgage

Vitek Loan 1. Loan originator told me my house may worth more than XXXX and asked me if I am interested to refinance. 
2. After quick research, I learned that conservative estimate of my house will be about XXXX. 
3. I asked the loan officer if it is possible to remove PMI if the refinance does n't go through. And he confirmed. 
4. Paid appraisal fee and the appraised value came about XXXX. as I expected. 
5. Since the refinancing did n't go through, I requested PMI removal. 
6. Vitek denied my request even though LTV ratio is XXXX %. Claiming that it should be XXXX %.
Product: Debt collection

On XX/XX/XXXX I wrote a letter to XXXX XXXX XXXX XXXX about a medical bill that was disputed back on XX/XX/XXXX that the validation of the debit wasnt mines. The company was unsuccessful at validating this debt they didnt have a contract or my signature they couldnt prove anything and the debt was removed. I receive a letter in the mail on XX/XX/XXXX and I wrote the letter telling them the debt doesnt belong to me and they sent a letter back stating a account number and balance no contract no nothing so now today they added this debt to my credit report without proving once again this debt is mines
Product: Checking or savings account

Someone opened a Chime account in my name at my home address, however it was opened in a nickname of mine when all my credit reports are already locked because of fraud. When I called chime they told me they don't have a fraud department and they wanted all my personal info to activate the account so they could have someone email me about it. Ok first off, I don't have anything sent to my home address. Someone tried to murder me seven years ago and I do not want my address getting out so I use a po box for everything. So, the problem is that whoever got ahold of my info, did not have my actual address. Chime opened the account and sent the card to my home address. Now I'm worried that they have given this thief my actual home address. Well, talking to them was the most frustrating experience ever. They kept referring to the fraudulent account as my account and saying things like, " so you're telling me you didn't mean to open the account? '' Hello. What in the actual...? At this point I have no idea if they have closed the account or how many other accounts they have opened fraudulently or if they have just sent this thief a new card or what. Who even opens an account with a nickname? Chime does, apparently.
Product: Checking or savings account

I have a chase account XXXX XXXX XXXX XXXX I on Friday XX/XX/2023 sent XXXX XXXX  by XXXX through my chase account. I then again sent XXXX to the same company again. 
Out of protection Chase bank locked my account. 
I had no issues with chase protecting my account. I then went through the procedures of verifying myself since my phone number wasnt accessible by text. I completed the verification process and was then transferred to fraud online. 
While on the phone with XXXX the online fraud specialist for chase..she informed me that my account was just being protected and would be opened. 
I then Hung up and waited. I knew things just dont work immediately so I gave chase time. 
After a few hours a called back because my account was still locked. I spoke with an associate named XXXX who I explained the process I had went through after having to give my verification again I was not happy at all I proceeded to ask the representative XXXX if I may speak to a supervisor to give my verification to since the representatives werent assisting me appropriately XXXX XXXX proceeded to overtalk me, denied me a supervisor and then hung up the phone while still leaving my account locked.
Product: Debt collection

Even though I have provided proof that a debt has been paid previously, I continue to get harassing phone calls from Centric Asset Management. They have even contacted my sister and former husband after I asked them to stop contacting me. Their calls include threats to file charges against me, sue me, and garnish my wages. I have asked them to stop to no avail.
Product: Mortgage

Signed a home equity loan mod contract on XXXX/XXXX/XXXX with Bank of America and have a signed a congratulations letter dated XXXX XXXX, XXXX for the approval of the modification agreement. I have been paying faithfully according to the terms of the agreement. Last increase was XXXX/XXXX/XXXX XXXX for 455 mos, the rate is {$980.00}, which I pd. Suddenly I rec 'd a XXXX XXXX bill of {$1000.00} after paying {$980.00} & a late pmt on my credit for XX/XX/XXXX. Nobody can tell me why.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a credit score in the upper XXXX 's around the mid XX/XX/2018 ; the following week I received and alert from XXXX XXXX  that something went wrong, I found out that XXXX XXXX dropped my credit limit from {$9500.00} 's to $ 1000s for no reason. This card I've always paid on time and paid it off last year. I contacted them and they informed me that it was because of what they saw on my credit report but no other detail, I've tried for them to give me a more specific answer but they wouldn't. They have messed up my credit for no reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

I the consumer original creditor never gave XXXX or any other credit reporting agencies written or verbal permission to have a credit report on me. I want all negative remarks and accounts removed. I requested on several occasions to remove XXXX XXXX XXXX from my credit report due to fraud and violating the FCRA and FDCPA. I never gave them written or verbal permission to give any of my information to any credit reporting agency and I want them removed my credit report and all hard inquiries. I AM SEEKING MONETARY VALUE FOR DAMAGES.