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

XXXX XXXX XXXX XXXX XXXX  DATE OPEN XX/XX/XXXX Charged off XX/XX/XXXX Balance XXXX Original balance XXXX Terms 82 months Responsibility - individual In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card

On XX/XX/year> I received a letter from Bank of America indicating that they have closed my Bank of America XXXX  XXXX credit card due to my risk profile not aligning with their risk tolerance. On the same day they also closed by checking account of 27 years. I pay 100 % of my credit card balance each month on time. My credit usage is always low. This is a personal card. I do not own a business. I do not have employees. I I do not have foreign transacations. There is nothing in my profile that would indicate risk. I believe that either BOFA has confused me with another customer, has made a mistake or possibly my identy has been compromised.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has the worst business ethics. I have reached out to them via email and have yet to receive a response. My credit has been destroyed due to their practice. Here is the story how we got to this point. I reached out to them to set up a payment plan. During this phone call I asked the representative several times will the payment plan stop the late history from reporting on my credit report which the representative insured me it would not report late anymore under the plan. I made my first plan payment then weeks later check my credit report and there were late payments reported. I have reached out to this company to resolve this and have those 60 day late payments removed and have had XXXX results. I am asking if they don't remove the late payments to have them submit a copy of the phone call with the representative. I have since caught up on the payments to save my credit from further damage from this company. I have XXXX late payments from any other creditors I deal with. This company kept reducing my overall credit limit, raising my utilization while my payments were all on time. They eventually closed the account with no late payments on my account. This company is one of the worst companies to exist. There reviews prove my point. I just want the 60 day late payments off my credit.
Product: Payday loan, title loan, personal loan, or advance loan

I was a vitims is theft ally financial. I provide police report. They need to fixed this issues.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), only accounts involving a credit transaction such as loans or credit card are reported to credit bureaus. Service accounts like phone or internet bills are not included in credit report.

Demand for Immediate Action : To resolve this matter without the need for formal litigation, I request the following : Immediate removal of the phone/internet account from my credit report, as it was never a credit account, and should not have been reported.

If the account remains on my report, I demand that both positive and negative information be reported accurately and in compliance with the FCRA.

A written explanation of your investigation into my dispute and the actions you have taken to correct this error.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles 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 loss funds was impossible and that tracking of these transaction was in feasible. The CFPBs 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.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$2700.00} -late/closed XXXX XXXX XXXX XXXX  Date OpenedXXXX  Balance Owed : {$0.00} Chargeoff XXXX XXXX XXXXDate Opened : XX/XX/year> Balance Owed : {$0.00} Late/Closed
Product: Credit reporting or other personal consumer reports

-- I have been receiving this attached postcard more than 5 times. Since it looks like the military statement issue is solved, I would like Experian to stop sending this same one. 

-- Email issues ( total 10 mails : From XX/XX/XXXX to XX/XX/XXXX at XXXX ) -The mail to ask me to remove the fraud alert, when I need to start to check and write the dispute to XXXX and other credit report companies. 

-One email that states the current address has been updated. After the removal of XXXX XXXX XXXX., I have never asked to update my current address, where I have lived about 20 years. Therefore, I wonder where I was moved from. ( XXXX ) -Loan offer ( XXXX ) XXXX -Credit offer ( XXXX ) XX/XX/XXXX -Insurance offer ( XXXX ) XX/XX/XXXX - dispute result ( 3 times ) -important information ( 2 times )
Product: Credit reporting or other personal consumer reports

I sent my forgiveness letters from XXXX due to meeting PFSL requirements. Letters show my school loan balances as XXXX. Experian has denied the dispute 2x. I have called XXXX XXXX  services and they claim they have already send in the information to the Credit agencies. XXXX shows them as XXXX balance. XXXX also shows them as XXXX balance. Experian refuses to accept my letters showing this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending several disputes to XXXX, XXXX and XXXX  in regards to an account on my consumer report reflecting inaccurate information I am receiving the decision that this account is being verified and continues to report several inaccuracies. On XX/XX/XXXX after speaking with a representative from XXXX in regards to the inaccuracies showing on the account I asked if I could see the proof of Verification as they claim to have verified the information as accurate. I was denied this information as they stated that they do not provide the proof of verification. I was then instructed to call TD Auto Finance to obtain a copy of the contract to prove the inaccuracies that is currently being reported as far as the past due amount and the fact that this account has been closed for several years and not open as it is currently reporting as an open account. After speaking with 2 different agents from TD Auto Finance plus a supervisor on XX/XX/XXXX I was told that they are unable to provide me with a copy of my contract due to the fact I was unable to answer 1 of the several questions to prove my authenticity ( even though I provided my SSN, name, D.O.B, address at the time and the Dealership where the car was purchased from. I then contacted the dealership and ask could I get a copy of the cont tract and I was told that after 5 years they shred it leaving me with no other option to resolve this situation which has caused me financial hardship due to the inaccurate information that is currently reporting on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$140.00} XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX XXXXXXXX Balance : {$600.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$5300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Per CFPB complaint XXXX that was previously sent to Chase Bank , I was told i need to wait XXXX weeks before any manual review can be completed for the referral bonus. 

Well today is XX/XX/XXXX. XXXX XXXX was referred on XX/XX/XXXX and applied same day. This means it has now been a full XXXX weeks since his application and approval for the Chase Business Ink card, and I still have not received the XXXX points. 

His zip code is XXXX. I sent him the referral link that he used to apply. Please give me the points as per previous complaint.
Product: Student loan

I previously filed a complaint for this that was closed because the company simply responded. My complaint is not closed. 

Per the Fair Credit Reporting Act, it is not legal to just respond " we're working on it '' when you have received documentation discharging the loan. You are still reporting inaccurate information to credit bureaus and that's hurting my credit. Your system showed me nearing 30 days late so I was forced to make a payment on XX/XX/year> to preserve my credit. 

As of now, that payment is not reflected on the system and it shows me with a past due balance of {$150.00}. The documentation associated with the discharge expressly said I was no longer required to make payments. 

Your computer system demonstrates negligence. I sent a letter to you on XX/XX/XXXX demanding action within XXXX business days or I would file a small claims case in XXXX XXXX XXXX. Your lack of action leaves me no other choice.
Product: Mortgage

I have had a on going problem with Nationstar Mortgage every since i started paying extra on principal. There latest is to cash my check for {$4400.00} on XXXX XXXX and as off to day have n't entered it on my account. I have called them the pass XXXX mornings to get them to put the {$4400.00} on my account. so what my phone calls to them have accomplished is they have change my online information from ( last payment of {$5800.00} was received on XXXX/XXXX/2015 Past due amount of {$14000.00} due immediately, Next payment due on Friday, XXXX XXXX ) to ( Last payment of {$14000.00} was received on XXXX/XXXX/2015, Next payment due on Monday, XXXX XXXX, 2015 ). The check for {$4400.00} that they cashed on XXXX/XXXX/2015 still has n't been accounted for. I 'm sure that my case is just the tip of the iceberg with this company. With my dealings with this company it is almost certain that they have criminally and knowingly defrauded their customers out of XXXX abound XXXX of dollars. With this being said I 'm sure they have defrauded the federal government out of a lot of money also. 
I think it is time for the federal government to step in and shut them down before they steal more money from there customers.
Product: Mortgage

On XX/XX/year>, I spoke to XXXX XXXX about a bank statement loan to purchase a home in VA XXXX. He represented to me his company will be able to help and once I submitted my application, he will review and get back to me in a day. I was also told that XXXX XXXX would work over the weekend usually. I submitted the application at XXXX EST on XX/XX/year> and followed up with XXXX XXXX XXXX emails 4-5 times, texts and phone calls over the past week. However, I received no response and no one picked up the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, & Equifax have not been responding to any of my disputes! I have been disputing items on my credit report and NON of them have responded to me. I have been patient because I understand that COVID has caused some delays but it is getting ridiculous. Under the law they still have to notify me and respond within 30 days!! There are erroneous items on my credit report that need to be removed immediately.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Experian and XXXX Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX ; XXXX XXXX XXXX  ; XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX, WI XXXX ; XXXX XXXX XXXX XXXX  XXXX, WI XXXX ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$88.00} ; XXXX XXXX XXXX  XXXX Balance : {$28000.00} ; XXXX ( Original XXXX XXXX  XXXX XXXX ) XXXX Balance : {$9800.00} XXXX XXXX XXXX : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX BankruptcyReference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX  XXXX BankruptcyReference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX  XXXX BankruptcyReference # : XXXX Date Filed/Reported : XX/XX/XXXX ; AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus on XX/XX/22, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against the credit bureaus if they do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have paid more than 20 % down on my mortgage and didn't have to pay mpi previously. I talk to Rocket XXXX and they said they want you to pay for 14 years
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, especially in light of the recent CFPB lawsuit that highlights significant issues with the platform. Despite using Zelle on multiple occasions and reporting discrepancies, both my financial institution and Zelle failed to properly investigate my claims. I was informed that recovering the lost funds was not possible and that tracking the transactions was unfeasible. The findings from the CFPB indicate that Zelle has not only failed to protect consumers adequately but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is deeply troubling and raises serious concerns about the safety of consumers using the platform.
Product: Credit reporting or other personal consumer reports

This account is fraudulent. Please remove this off my report. Someone had my social, pictures of ids on dark web and my credit has been beyond messed up. I finally can lock it but please remove this is fraud!! I am back in the process of fixing my credit and for some reason u guys keep closing and reopening the account. Please remove this off my credit report. It's fraudulent. I am in the process of buying a house right now and because of this fraudulent activity i will have to pay a higher APR and my family needs to move ASAP. Please remove these illegal/fraudulent accounts off of my credit report ( Transunion, XXXX, XXXX ) PLEASE!!! 


**They keep closing and reopening two accounts that was fraudulent which keeps causing my score to fluctuate back up and down. Can we please get this removed? XXXX removed these two accounts from my report 9 months ago. I have no clue why I have to keep fighting with transunion and experian and then they keep reopening and closing a fraudlent accoubnt! PLEASE HELP! 

PLEASE HELP!!! 


***************************************** XXXX XXXX XXXX Balance {$1200.00} Balance updated XX/XX/year> ***************************************** XXXX XXXX XXXX Balance {$840.00} Balance updated XX/XX/year> This is TOTAL IDENTITY THEFT AND I WOULD LIKE THIS REMOVED. I FINALLY INSTALLED XXXX XXXX AND SURE ENOUGH MY INFORMATION WAS ON THE DARK WEB I MEAN YOU GUYS CAN SEE FOR YOURSELF. PLEASE PLEASE PLEASE REMOVE THESE ITEMS OFF MY REPORT SO I CAN LIVE AND GET MY NEW HOUSE PLEASE THANKS! 

XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/19 Never authorized an inquiry for credit with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One Bank USA added my name without my knowledge or consent on my wife 's credit card account as an authorized user. I discovered this transaction after I was denied credit and obtained a copy of my credit report. Capital One reported the following delinquencies to all 3 of the credit reporting agencies : 30 day delinquencies on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Capital One also reported a 60 day delinquency on XX/XX/XXXX. On XX/XX/XXXX my wife XXXX XXXX, my XXXX XXXX and myself conference called Capital One. My wife requested Capital One to revoke my signing authority and I requested them to correct my credit reports. Capitol One said the credit history reported on my credit file would stay the same. I then asked them to provide me with a copy of a document that had my signature either acknowledging or authorizing the transaction and they could not produce one. Subsequently I asked Capital One to send me a copy of a letter disclosing to me that I was added as an authorized user on my wife 's account. I was told no letter would have been generated for this transaction. I am self employed and the negative reporting has affected my ability to obtain credit and has put severe limitations for terms on purchases from my suppliers. I am in the process of filing a dispute with XXXX, XXXX and XXXX and have already contacted an attorney regarding this matter. My attorney advised me to file a complaint with CFPB.
Product: Credit card

As a result of of my complaint to your office with a complaint case number : XXXX, Chase did not fully comply to providing me all the credit it overcharged me nor did it provide me the reason while it reported me as a charged off account with discrepancy in what it stated I owed and the " Stated Charged Off Amount ''. as I was trying to work with Chase, while paying as agreed to get to a number that we can both agreed on until there was an impasse. Chase in XXXX then provided me with a XXXX with inaccurate number as a charged off amount, knowing that I must report it as income with the IRS. 

Unknowingly, I was not the only party that Chase had been playing with its account in the State of Florida. This information was brought to Court and I was named as part of the Plaintiff in the Class action suit brought by XXXX, et al. v. Chase USA, NA, with a case number XXXX. This case was finally settled by Chase rather than risking a full trial and Chase made a payment to all class members including me. As a result of the settlement, I informed all the XXXX credit credit reporting agencies that the derogatory information reported by Chase must be immediately removed from my credit file since no agency should reward fraudulent activity no matter how small, however, Chase refused to allow the reporting agencies to remove this derogatory information, which even without the class action lawsuit would have been inaccurate. It is as a result of this pressing and damaging issue that I approach your agency for a positive resolution since Chase has settled the case in a Court of Law and should no longer be rewarded to continually damage my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in XXXX this is the reason why my loans was paid-off or clear by the department of Social Security on XX/XX/2018. I was checking my credit report to see that reflected, since the Social Security department notify me about that, then it supposed to be clear by then right but for some reason the same day it was closes the same day they reopen or duplicate the same loans. I contact the Social Security and they told me to try to call this company " XXXX '', but I was not able to open my account with them since I do not have any loan. I called them and they said they do not have idea. My credit score shows I still owe them when obviously I am not. It is not fear they are try to charge me again just to get more money.