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

Received a promotion addressed to me in XX/XX/2019 to open a TD Bank checking account and be credited {$300.00} if I met the direct deposit requirements. I met the requirements and called 4 times between XX/XX/XXXX and XX/XX/XXXX to find out why I hadn't been credited the promised {$300.00}. I got a different answer every time including being told in XX/XX/XXXX that I don't qualify for the promotion at all. I was told by a branch manager and a customer service representative just before XXXX  that they were contacting the back office on my behalf but I never received a response. I feel tricked into opening the account with the promise of a {$300.00} credit within 90 days of the XX/XX/XXXX account opening. Now I'm getting the run-around.
Product: Credit reporting or other personal consumer reports

Reviewing my Consumer Reports, I discovered some instances of late payments on an account of mine which Ive always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with accuracy. I have made all my payments on time on the account : ( XXXX XXXX  ), ( XXXX ). I request a thorough investigation into these discrepancy and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to provide such proof, I demand that these payments be promptly updated to reflect their true status as on time, as I have consistently upheld my payment obligations without any delays
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2022, I submitted disputes to XXXX, XXXX, and Experian about accounts listed on my consumer report as being inaccurate and false reporting. I clearly stated the law requires them to furnish accurate information on my credit report and to do a thorough investigation into the problem which was not done. Each time I disputed something on my credit report that I know was inaccurate they would come back within 7 days saying the information is verified ; I would never get any information on who verified it or who they spoke to absolutely nothing. Now the law clearly states the following : 15 USC 1681a 603 FCRA ( 2 ) ( A ) ( i ) EXCLUSION : except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; Credit Card : The term credit card means any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 

Social Security Card or Drivers License are considered credit cards under the TILA definition of a credit card for which they both were used to obtain credit and by law is excluded from being reported. 

Just by this section alone none of the accounts on my consumer report should be there but they are and that is a violation. The practices and procedures used by the credit reporting agencies are unfair and unjust to me as the consumer. Their investigation process is flawed and unfair and is damaging to me the consumer.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX  ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX  XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I was {$100.00} by someone trying to buy a laptop through Zelle. I didn't receive those funds. An email was sent from zelle saying I couldn't collect the full amount because I didn't have a business account. The buyer sent an extra {$100.00} and an email from Zelle was sent to me saying that I had received it and that I needed to refund the extra money. Zelle, in the email, said the money was on hold and no one was losing a dime on the transaction. I unsuccessfully sent the refund payment. Zelle sent a declined email and asked me to send it again with a screenshot. I did so. I never received any of the payments and I'm missing {$200.00} from my bank account. Zelle told me to contact my bank and XXXX told me there wasn't anything they could do but be more careful.
Product: Checking or savings account

XX/XX/21. 2 Refunds issued to Bank of America for my account. Issue my account was closed. Bank will not help me. XXXX XXXX XXXX has asked that I get documentation from the bank on two transactions to show that Bank of America returned the funds to carnival. Bank of America wont even run the transaction numbers all I get is were sorry. For your issues you will have to deal with XXXX and all I get from XXXX is contact the bank. Im at wits end. And dont know where to go. I just need something from the bank that shows they returned the transactions. Please help
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX  I was scammed a total of {$1300.00}. I had received a very convincing receipt from XXXX for {$500.00} regarding purchasing XXXX. I called the customer support line to refute this charge. The number was XXXX. I was in a panic because this was a lot of money. The man on the other line who was very convincing as a customer service agent had claimed that the purchase came from Texas. To verify who I was and where I lived they wanted to verify my IP address. In doing so they told me to XXXX  them and the money would come straight back. I was to XXXX XXXX XXXX  ( XXXX ) ( XXXX ) {$1300.00} who I believed to be the supervisor which would send right back. Again in a panic without thinking I sent the money to which it was never returned. I immediately went to my nearest Wells Fargo and explained the situation. We then made entirely new bank accounts for me but was told they were not able to cancel the transfer even though It was not even half an hour since the money was sent. XXXX would do nothing and claimed that my bank ( Wells Fargo ) had a chance of fixing this. This XXXX transfer happened under false pretenses and should not be considered valid. It's been over a year and I'm still trying to recover from this wrong that has been done to me. I don't understand why I've been refused justice and it's been incredibly disheartening that Wells Fargo has no sympathy for their clients who put in their trust and money which keeps them running. {$1300.00} may not seem like a lot of money to Wells Fargo but it is to many people. That amount of money can really help others like me. I plead my case that Wells Fargo does the right thing and consider my scam and making it right. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found a late payment on the dates below : XX/XX/2019 a 30 day late was recorded I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me. I called and was told that I didn't have a balance on my account so I'm not sure how this late payment could have been recorded. 


COMPANY INFORMATION XXXX ACCOUNT NUMBER XXXX****
Product: Credit card or prepaid card

I filed a charge dispute regarding my credit card at Bank of America, the merchant was supposed to refund me {$400.00}, and I never received the refund, and the merchant stopped responding to my inquiry. So i went to bank of america to file a credit card dispute, i gave all the documents required to the bank of america financial center ( XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX ) employee to fax over to their claim Department, he told me he faxed all the documents, later when i called ask for update, they told me they didnt received any documents to support my claim, and blame me for not calling and check, told me the time has passed, they no longer able to help. After countless hours waiting on the phone and physically being at the branch 3 times, they are denying responsibility and refuse to help. I had the same claim filed through XXXX XXXX XXXX, it was resolved in less than 40 mins on the phone. Bank of America just refuse to look at all the evidence and refuses to help.
Product: Mortgage

Have been trying since XXXX to get a pay off statement. After not receiving in XXXX we called again. We simply want to pay off loan. Last request was XX/XX/XXXX. They said we would have pay off quote in 7 to 10 days. Its now been 15 days.
Product: Credit card or prepaid card

XX/XX/XXXX I authorized {$100.00} to be taken out of my checking account, they took {$1200.00} out of my account. Called them on the XX/XX/XXXX guy told me I would be getting a refund check for {$1100.00} in 3-5 business days got nothing in that time frame. Called back on the XX/XX/XXXX lady I talked to told me it should come on the XX/XX/XXXX again nothing.Called back on the XX/XX/XXXX 4-5 times that day couldnt get any help, dont know for sure if they kept hanging up on me or if the call kept dropping after they kept me on hold for 5-10 minutes each time.
Product: Payday loan, title loan, or personal loan

I had a loan with sun loan /XXXX XXXX XXXX reporting to all 3 credit  bureaus the amount of XXXX I have a validation letter from sun loan stating company was sold and I don't owe debt
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently received a copy of my XXXX Bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX XXXX Balance Owed : {$130000.00}
Product: Debt collection

XXXX put a collection on my credit report after three years of it not being on there. 

ICSystems is the credit agency with the debt currently, that I paid off. 

ICSystems " said '' they sent me a letter before it went to my credit report. I've had the same address for the last 4 years and no letter was received. IF I would have received it, I would have taken care of the debt " before '' it hit my credit report if it were even valid. 

Maybe they should have sent it certified or something before they ruin someone's report after they " say '' they sent a letter, not knowing if it will get to me on time, if at all. 

I also talked to the CSR on the phone when making a payment and I want this line to come completely OFF my credit report, not just updated as paid. 

I've filed an FCC complaint against XXXX for shady business practices,, as they " recalled '' this debt THREE years ago after I tried to pay it off, then yesterday I wake up and the debt is on there from ICSystems. 

I never received ANY notice from ICSystems and I don't believe they even sent a letter to my address that I never received.
Product: Payday loan

I have recently completed a chapter XXXX and ace cash express was contacted. I have completed my plan and have been receiving these letters from persons who state I am going to be sued if I do not make a payment
Product: Checking or savings account

On XX/XX/2021, XX/XX/2021, XX/XX/2021 and XX/XX/2021, there were payments deducted from my then TCF account ( Since then TCF became Huntington Bank ). The payments were deducted by XXXX ( a buy now, pay later credit line ). The product I purchased was never received. The merchant had to do an investigation, which took months to complete. They finally determined that XXXX lost the package. They issued to my now Huntington account 4 separate refunds ( equaling the total amount originally deducted ). 

However, I only received one of these refunds totaling {$67.00}, XXXX has shown proof, that I in return showed to Huntington that they issued a total of four credits of {$67.00} to my account. Huntington is denying this. I have spent endless hours trying to explain the situation and they keep denying my claim. They still owe me {$200.00}. I have all the proof they owe me that refund.
Product: Debt collection

Per the FCRA I am now opting out of any and all authorization I the consumer may have given you, written un written verbal and nonverbal per 15 usc6802.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have prepaid my loan account completely but the credit report is still showing that I have pending loan amount for that account which is inaccurate and affected my ability to access a new loan from the market. The amount shown as debt is also inaccurate and the number of accounts open are also inaccurate. I was denied a personal loan despite having a credit score of XXXX and XXXX late payment. My income is also way more than the debt on record. Kindly help. 


XXXX XXXX : Original Loan : {$4000.00} prepaid in full ( See the attachment ) Total number of Account open : XXXX Shown on credit report : XXXX Total debt shown by Experian : {$7700.00} this includes prepaid XXXX personal loan of {$1000.00} Actual credit card balances : {$4600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I still have not seen results to an investigation into the items I believe to be inaccurate on my report. This is the second complaint I have had to make about the lack of response. My first was made on XX/XX/2020 and was accompanied by a dispute submitted directly to XXXX, XXXX  and Equifax. The complaint numbers were XXXX XXXXXX/XX/XXXXXXXX, XXXX ( XXXX  ) and XXXX ( Equifax ). While I understand that there is a pandemic which can cause delays, I have not received anything from them since my first dispute on XX/XX/2020. This is not a delay : this is negligence on the part of all 3 bureaus, enabled by the disastrous dismantling of regulation by you, the CFPB, in regard to the bureaus ' legal requirement to respond to a dispute within 30-45 days. There is no good faith effort by XXXX, XX/XX/XXXX or Equifax to resolve anything. I am also aware that data was released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. All 3 bureaus must be held accountable and to the standards clearly outlined in the FCRA.
Product: Debt or credit management

I open a XXXX XXXX account in XXXX  to put goods on my vehicles. I have been paying it like I was issued. But now all the sudden they want to raise my inetrest rate to 40 %. When I opened it it was only 29 %. I'm looking to get help with lowering my payments so I can pay it off. I'm on a fixed income so I can't really pay the over {$200.00} that they are charging me now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for employment and was offered a job with Mariner Finance XXXX XXXX, SC. I was excited to start this career as I have tons of experience that would have helped this company grow. They utilized XXXX XXXX XXXX to conduct their background report which I was not at all concerned about. When the results came back, I was appalled to discover that I had a public record from 21 years ago ( I am XXXX now and would have been XXXX when that was reported ) that stated I had written a {$66.00} bad check. This was all handled over half of my life ago and was a huge misunderstanding. I was not given a chance to explain this and was immediately denied employment. 
This denial is discriminatory and against the law. The law states that consumer reporting agencies are not to report outdated negative information more than XXXX years old ( bankruptcy being 10 years which I have never had ) and I did NOT agree to anything being pulled past that date. This should turn into a HUGE legal issue for both XXXX  AND Mariner Finance as I feel like I was unjustly discriminated against.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of certain accounts and inquiries on my credit report, as I am a victim of a data breach. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these fraudulent items blocked and removed from my credit file. 
The specific accounts and inquiries that need to be blocked and deleted are as follows : Accounts : XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX XXXX XX/XX/XXXX - {$1100.00} XXXX  - XXXX - XX/XX/XXXX - {$800.00} XXXX  XXXX  - XXXX - XX/XX/XXXX - {$9500.00} XXXX  - XXXX - XX/XX/XXXX - {$970.00} Inquiries : XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/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  XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

This complaint is about my savings account with the online bank XXXX ( associated with XXXX Bank ) and their action of entirely blocking my access to the account ( including the online access ) without explaining the situation and refusing to provide me an expected resolution time. 
Here are now the details associated with this case. 
I found the online bank XXXX listed by XXXX as FDIC insured and with a very attractive savings rate and thus decided to apply for an account. Proceeded with the online application process and submitted all my requested personal data and then after more than a week the account was opened and got online access to it. Subsequently I funded my new XXXX savings account from other personal bank accounts using initial withdraw initiated by XXXX as also XXXX transfers initiated by me on the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 
End of XXXX I scheduled another XXXX transfer from my XXXX account at an amount well below my current balance. Start of XXXX I received an email from XXXX stating that my external transfer capability got suspended. Figuring out that actually my entire online access to the account was suspended I called the banks customer service. They told me that my account was undergoing verification but this can be accelerated if I provide a copy of my driver license and most recent statements for my external accounts used in the funding process. I provided immediately all requested documents, confirmed by the banks representative who also told me they will soon follow-up with a resolution. 
I continued to check for status updates almost on a daily base. My emails remain unanswered. When I call the customer service line they tell me to wait for completion of the verification, refusing to give me an expected time for resolution. When I ask to talk to a supervisor or XXXX XXXX turned down or simply hung up. Even for my request to get the latest bank statement or to have the account closed and funds returned I was turned down. 
Also want to mention that all online actions to XXXX are redirected to a XXXX XXXX  XXXX. The site also states that all deposit products are provided by XXXX Bank and accounts opened via XXXX are marketed by XXXX. I tried to call directly XXXX Bank customer service but they claim not to have access to XXXX accounts. 
Ive also attached emails received from the bank directing me to access the account online but then that access is blocked and all my requests for having it restored remain unanswered. 
Here I am after 3 weeks of being cut off from my own money and with no perspective for a resolution. After finding hints in the XXXX magazine about the CFPB office as a path for mitigation Im turning to you for support to get the access to my own money restored.
Product: Credit card or prepaid card

The available credit on my account is showing {$0.00} when it should be showing {$1900.00} based on the recent payment plus the disputes that have been resolved in my favor. Goldman Sacs ( Apple Credit Card ) has not updates my available credit and they will not give me an answer as to why.
Product: Credit reporting, credit repair services, or other personal consumer reports

Previously disputed account asking to verify or delete as I do not recall having this debt with this creditor. Over XXXX  days has passed and I have not heard back in regards this dispute. Credit report is reporting inaccurate information stating incorrect dat last active, date last payment and missing data on closed date and date last verified. Account is reporting " account not disputed '' this is false because I have disputed and I have been ghosted. There is no way that account can state as collection but derogatory at the same time. Account is dead and there should be no late payments reported. Account is a mistake itself.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.